Document:

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                                                                    EXHIBIT 10.1

                        MORTGAGE LOAN PURCHASE AGREEMENT

       THIS MORTGAGE LOAN PURCHASE AGREEMENT dated as of November 26, 2002, by
and between FIRST HORIZON HOME LOAN CORPORATION, a Kansas corporation (the
"Seller"), and FIRST HORIZON ASSET SECURITIES INC. (the "Purchaser").

       WHEREAS, the Seller owns certain Mortgage Loans (as hereinafter defined)
which Mortgage Loans are more particularly listed and described in Schedule A
attached hereto and made a part hereof.

       WHEREAS, the Seller and the Purchaser wish to set forth the terms
pursuant to which the Mortgage Loans are to be sold by the Seller to the
Purchaser.

       WHEREAS, the Seller will simultaneously transfer the servicing rights for
the Mortgage Loans to First Tennessee Mortgage Services, Inc. pursuant to the
Servicing Rights Transfer and Subservicing Agreement (as hereinafter defined).

       NOW, THEREFORE, in consideration of the foregoing, other good and
valuable consideration, and the mutual terms and covenants contained herein, the
parties hereto agree as follows:

                                    ARTICLE I
                                   Definitions

       Agreement: This Mortgage Loan Purchase Agreement, as the same may be
amended, supplemented or otherwise modified from time to time in accordance with
the terms hereof.

       Business Day: Any day other than (i) a Saturday or a Sunday, or (ii) a
day on which banking institutions in the City of Dallas, or the State of Texas
or New York City is located are authorized or obligated by law or executive
order to be closed.

       Closing Date: November 26, 2002.

       Code: The Internal Revenue Code of 1986, including any successor or
amendatory provisions.

       Cooperative Corporation: The entity that holds title (fee or an
acceptable leasehold estate) to the real property and improvements constituting
the Cooperative Property and which governs the Cooperative Property, which
Cooperative Corporation must qualify as a Cooperative Housing Corporation under
Section 216 of the Code.

       Coop Shares: Shares issued by a Cooperative Corporation.

       Cooperative Loan: Any Mortgage Loan secured by Coop Shares and a
Proprietary Lease.

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       Cooperative Property: The real property and improvements owned by the
Cooperative Corporation, including the allocation of individual dwelling units
to the holders of the Coop Shares of the Cooperative Corporation.

       Cooperative Unit: A single family dwelling located in a Cooperative
Property.

       Custodian: LaSalle Bank National Association, a national banking
association, and its successors and assigns, as custodian under the Custodial
Agreement dated as of November 26, 2002 by and among The Bank of New York, as
trustee, First Horizon Home Loan Corporation, as master servicer, and the
Custodian.

       Cut-Off Date: November 1, 2002.

       Cut-off Date Principal Balance: As to any Mortgage Loan, the Stated
Principal Balance thereof as of the close of business on the Cut-off Date.

       Debt Service Reduction: With respect to any Mortgage Loan, a reduction by
a court of competent jurisdiction in a proceeding under the Bankruptcy Code in
the Scheduled Payment for such Mortgage Loan which became final and
non-appealable, except such a reduction resulting from 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 Payment that
results in a permanent forgiveness of principal, which valuation or reduction
results from an order of such court which is final and non-appealable in a
proceeding under the United States Bankruptcy Reform Act of 1978, as amended.

       Delay Delivery Mortgage Loans: The Mortgage Loans for which all or a
portion of a related Mortgage File is not delivered to the Trustee or to the
Custodian on its behalf on the Closing Date. The number of Delay Delivery
Mortgage Loans shall not exceed 25% of the aggregate number of Mortgage Loans as
of the Closing Date.

       Deleted Mortgage Loan: As defined in Section 4.1(c) hereof.

       Determination Date: The earlier of (i) the third Business Day after the
15th day of each month, and (ii) the second Business Day prior to the 25/th/ day
of each month, or if such 25/th/ day is not a Business Day, the next succeeding
Business Day.

       Insurance Proceeds: Proceeds paid by an insurer pursuant to any insurance
policy, including all riders and endorsements thereto in effect, including any
replacement policy or policies, in each case other than any amount included in
such Insurance Proceeds in respect of expenses covered by such insurance policy.

       Liquidation Proceeds: Amounts, including Insurance Proceeds, received in
connection with the partial or complete liquidation of defaulted Mortgage Loans,
whether through trustee's sale, foreclosure sale or otherwise or amounts
received in connection with any condemnation or partial release of a Mortgaged
Property.

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       Mortgage: The mortgage, deed of trust or other instrument creating a
first lien on the property securing a Mortgage Note.

       Mortgage File: The mortgage documents listed in Section 3.1 pertaining to
a particular Mortgage Loan and any additional documents required to be added to
the Mortgage File pursuant to this Agreement.

       Mortgage Loans: The mortgage loans transferred, sold and conveyed by the
Seller to the Purchaser, pursuant to this Agreement.

       Mortgage Loan Purchase Price: With respect to any Mortgage Loan required
to be purchased by the Seller pursuant to Section 4.1(c) hereof, an amount equal
to the sum of (i) 100% of the unpaid principal balance of the Mortgage Loan on
the date of such purchase, and (ii) accrued interest thereon at the applicable
Mortgage Rate from the date through which interest was last paid by the
Mortgagor to the first day in the month in which the Mortgage Loan Purchase
Price is to be distributed to the Purchaser or its designees.

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

       Mortgaged Property: The underlying property securing a Mortgage Loan,
which, with respect to a Cooperative Loan, is the related Coop Shares and
Proprietary Lease.

       Mortgagor: The obligor(s) on a Mortgage Note.

       Principal Prepayment: Any payment of principal by a Mortgagor on a
Mortgage Loan that is received in advance of its scheduled Due Date and is not
accompanied by an amount representing scheduled interest due on any date or
dates in any month or months subsequent to the month of prepayment.

       Proprietary Lease: With respect to any Cooperative Unit, a lease or
occupancy agreement between a Cooperative Corporation and a holder of related
Coop Shares.

       Purchase Price: $503,118,335.

       Purchaser: First Horizon Asset Securities Inc., a Delaware corporation,
in its capacity as purchaser of the Mortgage Loans from the Seller pursuant to
this Agreement.

       Recognition Agreement: With respect to any Cooperative Loan, an agreement
between the Cooperative Corporation and the originator of such Mortgage Loan
which establishes the rights of such originator in the Cooperative Property.

       Scheduled Payment: The scheduled monthly payment on a Mortgage Loan due
on the first day of the month allocable to principal and/or interest on such
Mortgage Loan which, unless otherwise specified herein, shall give effect to any
related Debt Service Reduction and any Deficient Valuation that affects the
amount of the monthly payment due on such Mortgage Loan.

       Security Agreement: The security agreement with respect to a Cooperative
Loan.

                                      -3-

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       Seller: First Horizon Home Loan Corporation, a Kansas corporation, and
its successors and assigns, in its capacity as seller of the Mortgage Loans.

       Servicing Rights Transfer and Subservicing Agreement: The servicing
rights transfer and subservicing agreement, dated as of November 26, 2002 by and
between First Horizon Home Loan Corporation, as transferor and subservicer, and
First Tennessee Mortgage Services, Inc., as transferee and servicer.

       Stated Principal Balance: As to any Mortgage Loan, the unpaid principal
balance of such Mortgage Loan as specified in the amortization schedule at the
time relating thereto (before any adjustment to such amortization schedule by
reason of any moratorium or similar waiver or grace period) after giving effect
to any previous partial Principal Prepayments and Liquidation Proceeds allocable
to principal (other than with respect to any Liquidated Mortgage Loan) and to
the payment of principal due on such date and irrespective of any delinquency in
payment by the related Mortgagor.

       Substitute Mortgage Loan: A Mortgage Loan substituted by the Seller for a
Deleted Mortgage Loan which must, on the date of such substitution, (i) have a
Stated Principal Balance, after deduction of the principal portion of the
Scheduled Payment due in the month of substitution, not in excess of, and not
more than 10% less than the Stated Principal Balance of the Deleted Mortgage
Loan; (ii) have Mortgage Rate not lower than the Mortgage Rate of the Deleted
Mortgage Loan; (iii) have a maximum mortgage rate not more than 1% per annum
higher or lower than the maximum mortgage rate of the Deleted Mortgage Loan;
(iv) have a minimum mortgage rate specified in its related Mortgage Note not
more than 1% per annum higher or lower than the minimum mortgage rate of the
Deleted Mortgage Loan; (v) have the same mortgage index, reset period and
periodic rate as the Deleted Mortgage Loan and a gross margin not more than 1%
per annum higher or lower than that of the Deleted Mortgage Loan (vi) be
accruing interest at a rate no lower than and not more than 1% per annum higher
than, that of the Deleted Mortgage Loan; (iv) have a loan-to-value ratio no
higher than that of the Deleted Mortgage Loan; (vii) have a remaining term to
maturity no greater than (and not more than one year less than that of) the
Deleted Mortgage Loan; (viii) not be a Cooperative Loan unless the Deleted
Mortgage Loan was a Cooperative Loan and (ix) comply with each representation
and warranty set forth in Schedule B hereto.

       Trustee: The Bank of New York and its successors and, if a successor
trustee is appointed hereunder, such successor.

                                   ARTICLE II
                               Purchase and Sale

       Section 2.1 Purchase Price. In consideration for the payment to it of the
Purchase Price on the Closing Date, pursuant to written instructions delivered
by the Seller to the Purchaser on the Closing Date, the Seller does hereby
transfer, sell and convey to the Purchaser on the Closing Date, but with effect
from the Cut-off Date, (i) all right, title and interest of the Seller in the
Mortgage Loans, excluding the servicing rights for the Mortgage Loans, and all
property securing such Mortgage Loans, including all interest and principal
received or

                                      -4-

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receivable by the Seller with respect to the Mortgage Loans on or after the
Cut-off Date and all interest and principal payments on the Mortgage Loans
received on or prior to the Cut-off Date in respect of installments of interest
and principal due thereafter, but not including payments of principal and
interest due and payable on the Mortgage Loans on or before the Cut-off Date,
and (ii) all proceeds from the foregoing. Items (i) and (ii) in the preceding
sentence are herein referred to collectively as "Mortgage Assets."

       Section 2.2 Timing. The sale of the Mortgage Assets hereunder shall take
place on the Closing Date.

                                  ARTICLE III
                             Conveyance and Delivery

       Section 3.1 Delivery of Mortgage Files. In connection with the transfer
and assignment set forth in Section 2.1 above, the Seller has delivered or
caused to be delivered to the Trustee or to the Custodian on its behalf (or, in
the case of the Delay Delivery Mortgage Loans, will deliver or cause to be
delivered to the Trustee or to the Custodian on its behalf within thirty (30)
days following the Closing Date) the following documents or instruments with
respect to each Mortgage Loan so assigned (collectively, the "Mortgage Files"):

              (a)   (1)  the original Mortgage Note endorsed by manual or
       facsimile signature in blank in the following form: "Pay to the order of
       ________________, without recourse," with all intervening endorsements
       showing a complete chain of endorsement from the originator to the Person
       endorsing the Mortgage Note (each such endorsement being sufficient to
       transfer all right, title and interest of the party so endorsing, as
       noteholder or assignee thereof, in and to that Mortgage Note); or

                    (2)  with respect to any Lost Mortgage Note, a lost note
              affidavit from the Seller stating that the original Mortgage Note
              was lost or destroyed, together with a copy of such Mortgage Note;

       (b)    except as provided below, the original recorded Mortgage or a copy
              of such Mortgage certified by the Seller as being a true and
              complete copy of the Mortgage;

       (c)    a duly executed assignment of the Mortgage in blank (which may be
              included in a blanket assignment or assignments), together with,
              except as provided below, all interim recorded assignments of such
              mortgage (each such assignment, when duly and validly completed,
              to be in recordable form and sufficient to effect the assignment
              of and transfer to the assignee thereof, under the Mortgage to
              which the assignment relates); provided that, if the related
              Mortgage has not been returned from the applicable public
              recording office, such assignment of the Mortgage may exclude the
              information to be provided by the recording office;

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

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     (e)  either the original or duplicate original title policy (including all
          riders thereto) with respect to the related Mortgaged Property, if
          available, provided that the title policy (including all riders
          thereto) will be delivered as soon as it becomes available, and if the
          title policy is not available, and to the extent required pursuant to
          the second paragraph below or otherwise in connection with the rating
          of the Certificates, a written commitment or interim binder or
          preliminary report of the title issued by the title insurance or
          escrow company with respect to the Mortgaged Property, and

     (f)  in the case of a Cooperative Loan, the originals of the following
          documents or instruments:

               (1)  The Coop Shares, together with a stock power in blank;

               (2)  The executed Security Agreement;

               (3)  The executed Proprietary Lease;

               (4)  The executed Recognition Agreement;

               (5)  The executed UCC-1 financing statement with evidence of
          recording thereon which have been filed in all places required to
          perfect the Seller's interest in the Coop Shares and the Proprietary
          Lease; and

               (6)  Executed UCC-3 financing statements or other appropriate UCC
          financing statements required by state law, evidencing a complete and
          unbroken line from the mortgagee to the Trustee with evidence of
          recording thereon (or in a form suitable for recordation).

     In the event that in connection with any Mortgage Loan the Seller cannot
deliver (i) the original recorded Mortgage or (ii) all interim recorded
assignments satisfying the requirements of clause (b) or (c) above,
respectively, concurrently with the execution and delivery hereof because such
document or documents have not been returned from the applicable public
recording office, the Seller shall promptly deliver or cause to be delivered to
the Trustee or the Custodian on its behalf such original Mortgage or such
interim assignment, as the case may be, with evidence of recording indicated
thereon upon receipt thereof from the public recording office, or a copy
thereof, certified, if appropriate, by the relevant recording office, but in no
event shall any such delivery of the original Mortgage and each such interim
assignment or a copy thereof, certified, if appropriate, by the relevant
recording office, be made later than one year following the Closing Date;
provided, however, in the event the Seller is unable to deliver or cause to be
delivered by such date each Mortgage and each such interim assignment by reason
of the fact that any such documents have not been returned by the appropriate
recording office, or, in the case of each such interim assignment, because the
related Mortgage has not been returned by the appropriate recording office, the
Seller shall deliver or cause to be delivered such documents to the Trustee or
the Custodian on its behalf as promptly as possible upon receipt thereof and, in
any event, within 720 days following the Closing Date. The Seller shall forward
or cause to be forwarded to the Trustee or the Custodian on its behalf (i) from
time to time additional original documents evidencing an assumption or
modification of a Mortgage Loan and (ii) any other

                                      -6-

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documents required to be delivered by the Seller to the Trustee. In the event
that the original Mortgage is not delivered and in connection with the payment
in full of the related Mortgage Loan and the public recording office requires
the presentation of a "lost instruments affidavit and indemnity" or any
equivalent document, because only a copy of the Mortgage can be delivered with
the instrument of satisfaction or reconveyance, the Seller shall execute and
deliver or cause to be executed and delivered such a document to the public
recording office. In the case where a public recording office retains the
original recorded Mortgage or in the case where a Mortgage is lost after
recordation in a public recording office, the Seller shall deliver or cause to
be delivered to the Trustee or the Custodian on its behalf a copy of such
Mortgage certified by such public recording office to be a true and complete
copy of the original recorded Mortgage.

       In addition, in the event that in connection with any Mortgage Loan the
Seller cannot deliver or cause to be delivered the original or duplicate
original lender's title policy (together with all riders thereto), satisfying
the requirements of clause (v) above, concurrently with the execution and
delivery hereof because the related Mortgage has not been returned from the
applicable public recording office, the Seller shall promptly deliver or cause
to be delivered to the Trustee or the Custodian on its behalf such original or
duplicate original lender's title policy (together with all riders thereto) upon
receipt thereof from the applicable title insurer, but in no event shall any
such delivery of the original or duplicate original lender's title policy be
made later than one year following the Closing Date; provided, however, in the
event the Seller is unable to deliver or cause to be delivered by such date the
original or duplicate original lender's title policy (together with all riders
thereto) because the related Mortgage has not been returned by the appropriate
recording office, the Seller shall deliver or cause to be delivered such
documents to the Trustee or the Custodian on its behalf as promptly as possible
upon receipt thereof and, in any event, within 720 days following the Closing
Date.

       Notwithstanding anything to the contrary in this Agreement, within thirty
days after the Closing Date, the Seller shall either (i) deliver or cause to be
delivered to the Trustee or the Custodian on its behalf the Mortgage File as
required pursuant to this Section 3.1 for each Delay Delivery Mortgage Loan or
(ii) (A) substitute or cause to be substituted a Substitute Mortgage Loan for
the Delay Delivery Mortgage Loan or (B) repurchase or cause to be repurchased
the Delay Delivery Mortgage Loan, which substitution or repurchase shall be
accomplished in the manner and subject to the conditions set forth in Section
4.1 (treating each Delay Delivery Mortgage Loan as a Deleted Mortgage Loan for
purposes of such Section 4.1), provided, however, that if the Seller fails to
deliver a Mortgage File for any Delay Delivery Mortgage Loan within the
thirty-day period provided in the prior sentence, the Seller shall use its best
reasonable efforts to effect or cause to be effected a substitution, rather than
a repurchase of, such Deleted Mortgage Loan and provided further that the cure
period provided for in Section 4.1 hereof shall not apply to the initial
delivery of the Mortgage File for such Delay Delivery Mortgage Loan, but rather
the Seller shall have five (5) Business Days to cure or cause to be cured such
failure to deliver.

                                   ARTICLE IV
                         Representations and Warranties

       Section 4.1 Representations and Warranties of the Seller. (a) The Seller
hereby represents and warrants to the Purchaser, as of the date of execution and
delivery hereof, that:

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              (1) The Seller is duly organized as a Kansas corporation and is
       validly existing and in good standing under the laws of the State of
       Kansas and is duly authorized and qualified to transact any and all
       business contemplated by this Agreement to be conducted by the Seller in
       any state in which a Mortgaged Property is located or is otherwise not
       required under applicable law to effect such qualification and, in any
       event, is in compliance with the doing business laws of any such state,
       to the extent necessary to ensure its ability to enforce each Mortgage
       Loan and to perform any of its other obligations under this Agreement in
       accordance with the terms thereof.

              (2) The Seller has the full corporate power and authority to sell
       each Mortgage Loan, and to execute, deliver and perform, and to enter
       into and consummate the transactions contemplated by this Agreement and
       has duly authorized by all necessary corporate action on the part of the
       Seller the execution, delivery and performance of this Agreement; and
       this Agreement, assuming the due authorization, execution and delivery
       thereof by the other parties thereto, constitutes a legal, valid and
       binding obligation of the Seller, enforceable against the Seller in
       accordance with its terms, except that (a) the enforceability thereof may
       be limited by bankruptcy, insolvency, moratorium, receivership and other
       similar laws relating to creditors' rights generally and (b) the remedy
       of specific performance and injunctive and other forms of equitable
       relief may be subject to equitable defenses and to the discretion of the
       court before which any proceeding therefor may be brought.

              (3) The execution and delivery of this Agreement by the Seller,
       the sale of the Mortgage Loans by the Seller under this Agreement, the
       consummation of any other of the transactions contemplated by this
       Agreement, and the fulfillment of or compliance with the terms thereof
       are in the ordinary course of business of the Seller and will not (a)
       result in a material breach of any term or provision of the charter or
       by-laws of the Seller or (b) materially conflict with, result in a
       material breach, violation or acceleration of, or result in a material
       default under, the terms of any other material agreement or instrument to
       which the Seller is a party or by which it may be bound, or (c)
       constitute a material violation of any statute, order or regulation
       applicable to the Seller of any court, regulatory body, administrative
       agency or governmental body having jurisdiction over the Seller; and the
       Seller is not in breach or violation of any material indenture or other
       material agreement or instrument, or in violation of any statute, order
       or regulation of any court, regulatory body, administrative agency or
       governmental body having jurisdiction over it which breach or violation
       may materially impair the Seller's ability to perform or meet any of its
       obligations under this Agreement.

              (4) No litigation is pending or, to the best of the Seller's
       knowledge, threatened against the Seller that would prohibit the
       execution or delivery of, or performance under, this Agreement by the
       Seller.

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              (b) The Seller hereby makes the representations and warranties set
       forth in Schedule B hereto to the Purchaser, as of the Closing Date, or
       if so specified therein, as of the Cut-off Date.

              (c) Upon discovery by either of the parties hereto of a breach of
       a representation or warranty made pursuant to Schedule B hereto that
       materially and adversely affects the interests of the Purchaser in any
       Mortgage Loan, the party discovering such breach shall give prompt notice
       thereof to the other party. The Seller hereby covenants that within 90
       days of the earlier of its discovery or its receipt of written notice
       from the Purchaser of a breach of any representation or warranty made
       pursuant to Schedule B hereto which materially and adversely affects the
       interests of the Purchaser in any Mortgage Loan, it shall cure such
       breach in all material respects, and if such breach is not so cured,
       shall, (i) if such 90-day period expires prior to the second anniversary
       of the Closing Date, remove such Mortgage Loan (a "Deleted Mortgage
       Loan") from the pool of mortgages listed on Schedule B hereto and
       substitute in its place a Substitute Mortgage Loan, in the manner and
       subject to the conditions set forth in this Section; or (ii) repurchase
       the affected Mortgage Loan or Mortgage Loans from the Purchaser at the
       Mortgage Loan Purchase Price in the manner set forth below. With respect
       to the representations and warranties described in this Section which are
       made to the best of the Seller's knowledge, if it is discovered by either
       the Seller or the Purchaser that the substance of such representation and
       warranty is inaccurate and such inaccuracy materially and adversely
       affects the value of the related Mortgage Loan or the interests of the
       Purchaser therein, notwithstanding the Seller's lack of knowledge with
       respect to the substance of such representation or warranty, such
       inaccuracy shall be deemed a breach of the applicable representation or
       warranty.

              With respect to any Substitute Mortgage Loan or Loans, the Seller
       shall deliver to the Trustee or to the Custodian on its behalf the
       Mortgage Note, the Mortgage, the related assignment of the Mortgage, and
       such other documents and agreements as are required by Section 3.1, with
       the Mortgage Note endorsed and the Mortgage assigned as required by
       Section 3.1. No substitution is permitted to be made in any calendar
       month after the Determination Date for such month. Scheduled Payments due
       with respect to Substitute Mortgage Loans in the month of substitution
       will be retained by the Seller. Upon such substitution, the Substitute
       Mortgage Loan or Loans shall be subject to the terms of this Agreement in
       all respects, and the Seller shall be deemed to have made with respect to
       such Substitute Mortgage Loan or Loans, as of the date of substitution,
       the representations and warranties made pursuant to Schedule B hereto
       with respect to such Mortgage Loan.

              It is understood and agreed that the obligation under this
       Agreement of the Seller to cure, repurchase or replace any Mortgage Loan
       as to which a breach has occurred and is continuing shall constitute the
       sole remedy against the Seller respecting such breach available to the
       Purchaser on its behalf.

       The representations and warranties contained in this Agreement shall not
be construed as a warranty or guaranty by the Seller as to the future payments
by any Mortgagor.

                                      -9-

<PAGE>

       It is understood and agreed that the representations and warranties set
forth in this Section 4.1 shall survive the sale of the Mortgage Loans to the
Purchaser hereunder.

                                    ARTICLE V
                                  Miscellaneous

       Section 5.1 Transfer Intended as Sale. It is the express intent of the
parties hereto that the conveyance of the Mortgage Loans by the Seller to the
Purchaser be, and be construed as, absolute sales thereof. It is, further, not
the intention of the parties that such conveyances be deemed a pledge thereof by
the Seller to the Purchaser. However, in the event that, notwithstanding the
intent of the parties, the Mortgage Loans are held to be the property of the
Seller or the Purchaser, respectively, or if for any other reason this Agreement
is held or deemed to create a security interest in such assets, then (i) this
Agreement shall be deemed to be a security agreement within the meaning of the
Uniform Commercial Code of the State of Texas and (ii) the conveyance of the
Mortgage Loans provided for in this Agreement shall be deemed to be an
assignment and a grant by the Seller to the Purchaser of a security interest in
all of the Mortgage Loans, whether now owned or hereafter acquired.

       The Seller and the Purchaser shall, to the extent consistent with this
Agreement, take such actions as may be necessary to ensure that, if this
Agreement were deemed to create a security interest in the Mortgage Loans, such
security interest would be deemed to be a perfected security interest of first
priority under applicable law and will be maintained as such throughout the term
of the Agreement. The Seller and the Purchaser shall arrange for filing any
Uniform Commercial Code continuation statements in connection with any security
interest granted hereby.

       Section 5.2 Seller's Consent to Assignment. The Seller hereby
acknowledges the Purchaser's right to assign, transfer and convey all of the
Purchaser's rights under this Agreement to a third party and that the
representations and warranties made by the Seller to the Purchaser pursuant to
this Agreement will, in the case of such assignment, transfer and conveyance, be
for the benefit of such third party. The Seller hereby consents to such
assignment, transfer and conveyance.

       Section 5.3 Specific Performance. Either party or its assignees may
enforce specific performance of this Agreement.

       Section 5.4 Notices. All notices, demands and requests that may be given
or that are required to be given hereunder shall be sent by United States
certified mail, postage prepaid, return receipt requested, to the parties at
their respective addresses as follows:

                   If to
                   the Purchaser:      4000 Horizon Way
                                       Irving, Texas 75063
                                       Attn: Larry P.Cole

                   If to the Seller:   4000 Horizon Way
                                       Irving, Texas 75063

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<PAGE>

                                        Attn: Larry P. Cole

       Section 5.5 Choice of Law. This Agreement shall be construed in
accordance with and governed by the substantive laws of the State of Texas
applicable to agreements made and to be performed in the State of Texas and the
obligations, rights and remedies of the parties hereto shall be determined in
accordance with such laws.

                  [remainder of page intentionally left blank]

                                      -11-

<PAGE>

       IN WITNESS WHEREOF, the Purchaser and the Seller have caused their names
to be signed hereto by their respective officers thereunto duly authorized as of
the 26th day of November, 2002.

                            FIRST HORIZON HOME LOAN
                            CORPORATION, as Seller

                            By:______________________________________________
                                 Wade Walker
                                 Senior Vice President - Asset Securitization

                            FIRST HORIZON ASSET SECURITIES INC.,
                            as Purchaser

                            By:______________________________________________
                                 Wade Walker
                                 Senior Vice President - Asset Securitization

<PAGE>

                                   SCHEDULE A

                              [BEGINS ON NEXT PAGE]

<PAGE>

                                   SCHEDULE B

             Representations and Warranties as to the Mortgage Loans

       First Horizon Home Loan Corporation (the "Seller") hereby makes the
representations and warranties set forth in this Schedule B on which First
Horizon Asset Securities Inc. (the "Purchaser") relies in accepting the Mortgage
Loans. Such representations and warranties speak as of the execution and
delivery of the Mortgage Loan Purchase Agreement dated as of November 26, 2002
(the "MLPA"), between First Horizon Home Loan Corporation, as seller, and the
Purchaser and as of the Closing Date, or if so specified herein, as of the
Cut-off Date or date of origination of the Mortgage Loans, but shall survive the
sale, transfer and assignment of the Mortgage Loans to the Purchaser and any
subsequent sale, transfer and assignment by the Purchaser to a third party.
Capitalized terms used but not otherwise defined in this Schedule B shall have
the meanings ascribed thereto in the MLPA.

       (1)    The information set forth on Schedule A to the MLPA, with respect
              to each Mortgage Loan is true and correct in all material respects
              as of the Closing Date.

       (2)    Each Mortgage is a valid and enforceable first lien on the
              Mortgaged Property subject only to (a) the lien of nondelinquent
              current real property taxes and assessments and liens or interests
              arising under or as a result of any federal, state or local law,
              regulation or ordinance relating to hazardous wastes or hazardous
              substances and, if the related Mortgaged Property is a unit in a
              condominium project or Planned Unit Development, any lien for
              common charges permitted by statute or homeowner association fees,
              (b) covenants, conditions and restrictions, rights of way,
              easements and other matters of public record as of the date of
              recording of such Mortgage, such exceptions appearing of record
              being generally acceptable to mortgage lending institutions in the
              area wherein the related Mortgaged Property is located or
              specifically reflected in the appraisal made in connection with
              the origination of the related Mortgage Loan, and (c) other
              matters to which like properties are commonly subject which do not
              materially interfere with the benefits of the security intended to
              be provided by such Mortgage.

       (3)    Immediately prior to the assignment of the Mortgage Loans to the
              Purchaser, the Seller had good title to, and was the sole owner
              of, each Mortgage Loan free and clear of any pledge, lien,
              encumbrance or security interest and had full right and authority,
              subject to no interest or participation of, or agreement with, any
              other party, to sell and assign the same pursuant to this
              Agreement.

       (4)    As of the date of origination of each Mortgage Loan, there was no
              delinquent tax or assessment lien against the related Mortgaged
              Property.

       (5)    There is no valid offset, defense or counterclaim to any Mortgage
              Note or Mortgage, including the obligation of the Mortgagor to pay
              the unpaid principal of or interest on such Mortgage Note.

                                      B-1

<PAGE>

       (6)    There are no mechanics' liens or claims for work, labor or
              material affecting any Mortgaged Property which are or may be a
              lien prior to, or equal with, the lien of such Mortgage, except
              those which are insured against by the title insurance policy
              referred to in item (10) below.

       (7)    To the best of the Seller's knowledge, no Mortgaged Property has
              been materially damaged by water, fire, earthquake, windstorm,
              flood, tornado or similar casualty (excluding casualty from the
              presence of hazardous wastes or hazardous substances, as to which
              the Seller makes no representation) so as to affect adversely the
              value of the related Mortgaged Property as security for such
              Mortgage Loan.

       (8)    Each Mortgage Loan at origination complied in all material
              respects with applicable state and federal laws, including,
              without limitation, usury, equal credit opportunity, real estate
              settlement procedures, truth-in-lending and disclosure laws or any
              noncompliance does not have a material adverse effect on the value
              of the related Mortgage Loan.

       (9)    Except as reflected in a written document contained in the related
              Mortgage File, the Seller has not modified the Mortgage in any
              material respect; satisfied, cancelled or subordinated such
              Mortgage in whole or in part; released the related Mortgaged
              Property in whole or in part from the lien of such Mortgage; or
              executed any instrument of release, cancellation, modification or
              satisfaction with respect thereto.

       (10)   A lender's policy of title insurance together with a condominium
              endorsement and extended coverage endorsement, if applicable, in
              an amount at least equal to the Cut-off Date Principal Balance of
              each such Mortgage Loan or a commitment (binder) to issue the same
              was effective on the date of the origination of each Mortgage
              Loan, each such policy is valid and remains in full force and
              effect.

       (11)   To the best of the Seller's knowledge, all of the improvements
              which were included for the purpose of determining the appraised
              value of the Mortgaged Property lie wholly within the boundaries
              and building restriction lines of such property, and no
              improvements on adjoining properties encroach upon the Mortgaged
              Property, unless such failure to be wholly within such boundaries
              and restriction lines or such encroachment, as the case may be,
              does not have a material effect on the value of such Mortgaged
              Property.

       (12)   To the best of the Seller's knowledge, as of the date of
              origination of each Mortgage Loan, no improvement located on or
              being part of the Mortgaged Property is in violation of any
              applicable zoning law or regulation unless such violation would
              not have a material adverse effect on the value of the related
              Mortgaged Property. To the best of the Seller's knowledge, all
              inspections, licenses and certificates required to be made or
              issued with respect to all occupied portions of the Mortgaged
              Property and, with respect to the use and occupancy of the same,
              including but not limited to certificates of occupancy and fire

                                      B-2

<PAGE>

              underwriting certificates, have been made or obtained from the
              appropriate authorities, unless the lack thereof would not have a
              material adverse effect on the value of such Mortgaged Property.

       (13)   The Mortgage Note and the related Mortgage are genuine, and each
              is the legal, valid and binding obligation of the maker thereof,
              enforceable in accordance with its terms and under applicable law.

       (14)   The proceeds of the Mortgage Loan have been fully disbursed and
              there is no requirement for future advances thereunder.

       (15)   The related Mortgage contains customary and enforceable provisions
              which render the rights and remedies of the holder thereof
              adequate for the realization against the Mortgaged Property of the
              benefits of the security, including, (i) in the case of a Mortgage
              designated as a deed of trust, by trustee's sale, and (ii)
              otherwise by judicial foreclosure.

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

       (17)   At the Cut-off Date, the improvements upon each Mortgaged Property
              are covered by a valid and existing hazard insurance policy with a
              generally acceptable carrier that provides for fire and extended
              coverage and coverage for such other hazards as are customarily
              required by institutional single family mortgage lenders in the
              area where the Mortgaged Property is located, and the Seller has
              received no notice that any premiums due and payable thereon have
              not been paid; the Mortgage obligates the Mortgagor thereunder to
              maintain all such insurance including flood insurance at the
              Mortgagor's cost and expense. Anything to the contrary in this
              item (17) notwithstanding, no breach of this item (17) shall be
              deemed to give rise to any obligation of the Seller to repurchase
              or substitute for such affected Mortgage Loan or Loans so long as
              the Seller maintains a blanket policy.

       (18)   If at the time of origination of each Mortgage Loan, related the
              Mortgaged Property was in an area then identified in the Federal
              Register by the Federal Emergency Management Agency as having
              special flood hazards, a flood insurance policy in a form meeting
              the then-current requirements of the Flood Insurance
              Administration is in effect with respect to such Mortgaged
              Property with a generally acceptable carrier.

       (19)   To the best of the Seller's knowledge, there is no proceeding
              pending or threatened for the total or partial condemnation of any
              Mortgaged Property, nor is such a proceeding currently occurring.

                                      B-3

<PAGE>

       (20)   To best of the Seller's knowledge, there is no material event
              which, with the passage of time or with notice and the expiration
              of any grace or cure period, would constitute a material
              non-monetary default, breach, violation or event of acceleration
              under the Mortgage or the related Mortgage Note; and the Seller
              has not waived any material non-monetary default, breach,
              violation or event of acceleration.

       (21)   Any leasehold estate securing a Mortgage Loan has a stated term at
              least as long as the term of the related Mortgage Loan.

       (22)   Each Mortgage Loan was selected from among the outstanding
              adjustable-rate one- to four-family mortgage loans in the Seller's
              portfolio at the Closing Date as to which the representations and
              warranties made with respect to the Mortgage Loans set forth in
              this Schedule B can be made. No such selection was made in a
              manner intended to adversely affect the interests of the
              Certificateholders.

       (23)   The Mortgage Loans provide for the full amortization of the amount
              financed over a series of monthly payments.

       (24)   At origination, substantially all of the Mortgage Loans in the
              Mortgage Pools had stated terms to maturity of 30 years.

       (25)   Scheduled monthly payments made by the Mortgagors on the Mortgage
              Loans either earlier or later than their Due Dates will not affect
              the amortization schedule or the relative application of the
              payments to principal and interest.

       (26)   The Mortgage Loans may be prepaid at any time by the related
              Mortgagors without penalty.

       (27)   Substantially all of the Mortgage Loans are jumbo mortgage loans
              that have Stated Principal Balances at origination that exceed the
              then applicable limitations for purchase by Fannie Mae and Freddie
              Mac.

       (28)   Each Mortgage Loan in Pool I was originated on or after August 2,
              2001. Each Mortgage Loan in Pool II was originated on or after
              August 9, 2002.

       (29)   The latest stated maturity date of any Mortgage Loan in Pool I is
              December 1, 2032, and the earliest stated maturity date of any
              Mortgage Loan in Pool I is October 1, 2022. The latest stated
              maturity date of any Mortgage Loan in Pool II is November 1, 2017
              and the earliest stated maturity date of any Mortgage Loan in Pool
              II is October 1, 2012.

       (30)   No Mortgage Loan was delinquent more than 30 days as of the
              Cut-off Date.

       (31)   No Mortgage Loan had a Loan-to-Value Ratio at origination of more
              than 95%. Generally, each Mortgage Loan with a Loan-to-Value Ratio
              at origination of greater than 80% is covered by a Primary
              Insurance Policy issued by a mortgage insurance company that is
              acceptable to Fannie Mae or Freddie Mac.

                                      B-4

<PAGE>

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

                                      B-5EXECUTION COPY

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

                        RESIDENTIAL ACCREDIT LOANS, INC.,

                                    Company,

                        RESIDENTIAL FUNDING CORPORATION,

                                Master Servicer,

                                       and

                      DEUTSCHE BANK TRUST COMPANY AMERICAS,

                                     Trustee

                               SERIES SUPPLEMENT,

                          DATED AS OF NOVEMBER 1, 2002,

                                       TO

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

                 Mortgage Asset-Backed Pass-Through Certificates

                                Series 2002-QS17

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

<PAGE>

<TABLE>
<CAPTION>

<S>                                                                                        <C>
Article I         DEFINITIONS...............................................................4

 Section 1.01.    Definitions...............................................................4

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

Article II        CONVEYANCE OF MORTGAGE LOANS; ORIGINAL ISSUANCE OF CERTIFICATES..........19

 Section 2.01.    Conveyance of Mortgage Loans.  (See Section 2.01 of the Standard
                  Terms)...................................................................19

 Section 2.02.    Acceptance by Trustee.  (See Section 2.02 of the Standard Terms).........19

 Section 2.03.    Representations, Warranties and Covenants of the Master Servicer and
                  the Company..............................................................19

 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/ Issuance of
                  Certificates Evidencing Interests in Certificates........................22

 Section 2.06.    [Reserved]...............................................................22

 Section 2.07.    [Reserved]...............................................................23

 Section 2.08.    Purposes and Powers of the Trust (See Section 2.08 of the Standard
                  Terms)...................................................................23

Article III       ADMINISTRATION AND SERVICING OF MORTGAGE LOANS...........................24

Article IV        PAYMENTS TO CERTIFICATEHOLDERS...........................................27

 Section 4.01.    Certificate Account (See Section 4.01 of the Standard Terms).............27

 Section 4.02.    Distributions............................................................27

 Section 4.03.    Statements to Certificateholders; Exchange Act Reporting.................37

 Section 4.04.    Distribution of Reports to the Trustee and the Company; Advances by
                  the Master Servicer......................................................38

 Section 4.05.    Allocation of Realized Losses............................................38

 Section 4.06.    Reports of Foreclosures and Abandonment of Mortgaged Property.  (See
                  Section 4.06 of the Standard Terms)......................................40

 Section 4.07.    Optional Purchase of Defaulted Mortgage Loans.  (See Section 4.07 of
                  the Standard Terms)......................................................40

 Section 4.08.    Surety Bond. (See Section 4.08 of the Standard Terms)....................40

Article V         THE CERTIFICATES.........................................................46

 Section 5.01.    The Certificates.  (See Section 5.01 of the Standard Terms)..............46

 Section 5.02.    Registration of Transfer and Exchange of Certificates....................46

 Section 5.03.    Mutilated, Destroyed, Lost or Stolen Certificates.  (See Section
                  5.03 of the Standard Terms)..............................................46

                                        i

<PAGE>

 Section 5.04.    Persons Deemed Owners.  (See Section 5.04 of the Standard Terms).........46

 Section 5.05.    Appointment of Paying Agent.  (See Section 5.05 of the Standard
                  Terms)...................................................................46

Article VI        THE COMPANY AND THE MASTER SERVICER......................................47

Article VII       DEFAULT..................................................................48

Article VIII      CONCERNING THE TRUSTEE...................................................49

Article IX        TERMINATION..............................................................50

Article X         REMIC PROVISIONS.........................................................51

 Section 10.01.   REMIC Administration.  (See Section 10.01 of the Standard Terms).........51

 Section 10.02.   Master Servicer; REMIC Administrator and Trustee Indemnification.
                  (See Section 10.02 of the Standard Terms)................................51

 Section 10.03.   Designation of REMIC.....................................................51

 Section 10.04.   [Reserved]...............................................................51

 Section 10.05.   Compliance with Withholding Requirements.................................53

Article XI        MISCELLANEOUS PROVISIONS.................................................54

 Section 11.01.   Amendment.  (See Section 11.01 of the Standard Terms)....................54

 Section 11.02.   Recordation of Agreement; Counterparts.  (See Section 11.02 of the
                  Standard Terms)..........................................................54

 Section 11.03.   Limitation on Rights of Certificateholders.  (See Section 11.03 of
                  the Standard Terms)......................................................54

 Section 11.04.   Governing Laws.  (See Section 11.04 of the Standard Terms)...............54

 Section 11.05.   Notices..................................................................54

 Section 11.06.   Required Notices to Rating Agency and Subservicer (See Section 11.06
                  of the Standard Terms)...................................................55

 Section 11.07.   Severability of Provisions. (See Section 11.07 of the Standard Terms)....56

 Section 11.08.   Supplemental Provisions for Resecuritization.  (See Section 11.08 of
                  the Standard Terms)......................................................56

 Section 11.09.   Allocation of Voting Rights..............................................56

 Section 11.10.   No Petition..............................................................56
</TABLE>

                                        ii

<PAGE>

                                    EXHIBITS

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

                                        iii
<PAGE>

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

                             PRELIMINARY STATEMENT:

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

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

                                       1
<PAGE>

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

<TABLE>
<CAPTION>

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

                                                Senior/      November 25,
<S>      <C>     <C>      <C>                                    <C>                         <C>
Class CB-1       6.00%    $185,000,000.00     Fixed Rate         2032           AAA/AAA      $25,000.00
                                                Senior/
                                                 Fixed       November 25,
Class CB-2       6.00%    $ 13,170,000.00      Rate/Retail        2032          AAA/AAA      $1,000.00
                                                Senior/      November 25,
Class NB-1       6.00%    $186,950,000.00     Fixed Rate         2032           AAA/AAA      $25,000.00
                                                Senior/
                                              Fixed Rate/    November 25,
Class NB-2       6.00%    $ 15,158,000.00        Retail           2032          AAA/AAA      $1,000.00
                                             Senior/PrincipalNovember 25,
Class A-P        0.00%    $    793,686.86           Only            2032        AAA/AAA      $25,000.00
                                             Senior/Variable
                Variable                     Rate/Interest   November 25,
Class A-V       Rate3     $          0.00              Only            2032     AAA/AAA        4
                                             Senior/Fixed    November 25,
Class R          6.00%    $        100.00         Rate/Residual       2032      AAA/AAA        5
                                              Mezzanine/     November 25,
Class M-1        6.00%    $  9,475,500.00       Fixed Rate         2032         NA/AA        $25,000.00
                                              Mezzanine/
Class M-2        6.00%    $  4,210,800.00       Fixed Rate   November 25,       NA/A         $250,000.00
                                                                 2032
                                              Mezzanine/     November 25,
Class M-3        6.00%    $  2,526,500.00       Fixed Rate         2032         NA/BBB       $250,000.00
                                             Subordinate/    November 25,
Class B-1        6.00%    $  1,263,300.00       Fixed Rate         2032         NA/BB        $250,000.00
                                             Subordinate/    November 25,
Class B-2        6.00%    $  1,263,300.00       Fixed Rate         2032         NA/B         $250,000.00
                                             Subordinate/    November 25,
Class B-3        6.00%    $  1,263,305.51       Fixed Rate         2032         NA/NA        $250,000.00
</TABLE>

_______________

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

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

3    The initial Pass-Through Rate on the Class A-V Certificates is 0.3611%.

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

5    The Class R Certificates shall be issuable in minimum  denominations of not
     less than a 20% Percentage Interest;  provided,  however,  that one Class R
     Certificate 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%.

                                       2
<PAGE>

        The Mortgage Loans have an aggregate principal balance as of the Cut-off
Date of $421,074,492.37.

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

                                       3
<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.

        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)
$154,892 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)  (i) the greater of (i) 0.0006 times the aggregate principal balance of
          all  the  Mortgage  Loans  in the  Mortgage  Pool  as of the  Relevant
          Anniversary  having  a  Loan-to-Value  Ratio  (other  than  Additional
          Collateral  Loans) at origination which exceeds 75% and (ii) $100,000;
          and

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

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

        The  Bankruptcy  Amount  may be further  reduced by the Master  Servicer
(including  accelerating the manner in which such coverage is reduced)  provided
that prior to any such  reduction,  the Master Servicer shall (i) obtain written
confirmation  from each Rating Agency that such  reduction  shall not reduce the

                                       4
<PAGE>

rating  assigned to any Class of  Certificates  by such Rating  Agency below the
lower of the then-current  rating or the rating assigned to such Certificates as
of the  Closing  Date by such  Rating  Agency  and (ii)  provide  a copy of such
written confirmation to the Trustee.

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

     Certificate: Any Class CB-1, Class CB-2, Class NB-1, Class NB-2, Class A-P,
Class A-V, Class M, Class B or Class R Certificate.

        Certificate  Account:  The  separate  account or  accounts  created  and
maintained  pursuant  to Section  4.01 of the  Standard  Terms,  which  shall be
entitled  "Deutsche Bank Trust Company  Americas,  as trustee,  in trust for the
registered holders of Residential  Accredit Loans, Inc.,  Mortgage  Asset-Backed
Pass-Through  Certificates,  Series  2002-QS17"  and which  must be an  Eligible
Account.

        Certificate Policy:  None.

        Class A Certificate:  Any one of the Class A-P Certificates 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 CB Certificate: Any one of the Class CB Certificates,  executed by
the Trustee and authenticated by the Certificate Registrar  substantially in the
form annexed to the Standard  Terms as Exhibit A, which  Certificates  relate to
the Group CB Loans.

        Class CB 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 Class CB 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) in the
CB Loan Group immediately prior to such Distribution Date.

        Class CB Principal Distribution Amount: As to any Distribution Date, the
lesser of (a) the balance of the Available Distribution Amount related to the CB
Loan Group  remaining  after the  distribution  of all  amounts  required  to be
distributed  pursuant to Section  4.02(a)(i)(X),  after the  distribution of the
portion of the amounts required to be distributed  therefrom pursuant to Section
4.02(a)(i)(Z),  and  after  the  distribution  of  the  amount  required  to  be
distributed   to  the  Class  A-P   Certificateholders   pursuant   to   Section
4.02(a)(ii)(X)  or, after the Credit Support Depletion Date, the amount required
to be  distributed  to the  Class A-P  Certificateholders  pursuant  to  Section
4.02(d), and (b) the sum of the amounts required to be distributed  therefrom to
the Class CB  Certificateholders  on such Distribution Date pursuant to Sections
4.02(a)(ii)(Y), 4.02(a)(ii)(Z) and 4.02(a)(xvii).

        Class NB Certificate:  Any one of the Class NB-1  Certificates and Class
NB-2 Certificates,  executed by the Trustee and authenticated by the Certificate
Registrar  substantially in the form annexed to the Standard Terms as Exhibit A,
which Certificates relate to the Group NB Loans.

                                       5
<PAGE>

        Class NB 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  Class  NB  Certificates  and  Residual
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)  in  the NB  Loan  Group  immediately  prior  to  such
Distribution Date.

        Class NB Principal Distribution Amount: As to any Distribution Date, the
lesser of (a) the balance of the Available Distribution Amount related to the NB
Loan Group  remaining after (i) the  distribution of all amounts  required to be
distributed  pursuant to Section  4.02(a)(i)(Y),  (ii) the  distribution  of the
portion of the amounts required to be distributed  therefrom pursuant to Section
4.02(a)(i)(Z),  (iii) the  distribution of the amount required to be distributed
to the Class A-P Certificateholders pursuant to Section 4.02(a)(ii)(X) or, after
the Credit Support  Depletion Date, the amount required to be distributed to the
Class A-P Certificateholders pursuant to Section 4.02(d), and (b) the sum of the
amounts required to be distributed  therefrom to the Class NB Certificateholders
and Residual  Certificateholders  on such Distribution Date pursuant to Sections
4.02(a)(ii)(Y), 4.02(a)(ii)(Z), 4.02(a)(xvii) and 4.02(a)(xviii).

        Class R Certificate: Any one of the Class R 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 the REMIC for purposes of the REMIC Provisions.

        Closing Date:  November 26, 2002.

        Commission:  The Securities and Exchange Commission.

     Corporate Trust Office: The principal office of the Trustee at which at any
particular  time its corporate  trust  business  with respect to this  Agreement
shall  be  administered,  which  office  at the  date of the  execution  of this
instrument  is  located at 1761 East St.  Andrew  Place,  Santa Ana,  California
92705-4934, Attention: Residential Funding Corporation Series 2002-QS17.

        Cut-off Date:  November 1, 2002.

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

        Discount Net Mortgage Rate: 6.00% per annum.

        Due Period:  With  respect to each  Distribution  Date 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 regard to
Section  4.02(a)(ii)(Y)(D)  hereof),  (iii) the Class A-P Principal Distribution

                                       6
<PAGE>

Amount (determined without regard to Section  4.02(b)(i)(E) hereof) and (iv) the
aggregate amount of Accrued  Certificate  Interest on the Class M, Class B-1 and
Class B-2 Certificates.

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

        Fraud Loss  Amount:  As of any date of  determination  after the Cut-off
Date, an amount equal to: (X) prior to the first anniversary of the Cut-off Date
an amount equal to 2.00% of the aggregate  outstanding  principal balance of all
of the Mortgage Loans as of the Cut-off Date minus the aggregate amount of Fraud
Losses  allocated  solely to one or more  specific  Classes of  Certificates  in
accordance with Section 4.05 of this Series Supplement since the Cut-off Date up
to such date of determination,  (Y) from the first to the second  anniversary of
the Cut-off Date, an amount equal to (1) the lesser of (a) the Fraud Loss Amount
as of the most  recent  anniversary  of the  Cut-off  Date and (b)  1.00% of the
aggregate  outstanding  principal balance of all of the Mortgage Loans as of the
most recent  anniversary  of the Cut-off Date minus (2) the aggregate  amount of
Fraud Losses allocated solely to one or more specific Classes of Certificates in
accordance  with Section 4.05 since the most recent  anniversary  of the Cut-off
Date up to such  date of  determination,  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  outstanding  principal  balance of all of the  Mortgage
Loans as of the most  recent  anniversary  of the  Cut-off  Date  minus  (2) the
aggregate  amount  of Fraud  Losses  allocated  solely  to one or more  specific
Classes of  Certificates  in accordance  with Section 4.05 since the most recent
anniversary of the Cut-off Date up to such date of  determination.  On and after
the fifth anniversary of the Cut-off Date, the Fraud Loss Amount shall be zero.

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

        Group CB Loans:  The Mortgage  Loans  designated  on the  Mortgage  Loan
Schedule as Group CB Loans,  having  original  principal  balances  less than or
equal to (i)  $300,700  in the  case of  Mortgage  Loans  secured  by  mortgaged
properties  consisting of a single  dwelling unit,  (ii) $384,900 in the case of
Mortgage Loans secured by mortgaged properties consisting of two dwelling units,
(iii)  $465,200 in the case of Mortgage  Loans  secured by mortgaged  properties
consisting of three  dwelling  units,  and (iv) $578,150 in the case of Mortgage
Loans secured by mortgaged properties consisting of four dwelling units.

        Group NB Loans:  The Mortgage  Loans  designated  on the  Mortgage  Loan
Schedule as Group NB Loans,  having original  principal  balances  exceeding the
amounts  listed in clauses (i) through (iv) of the definition of Group CB Loans,
except for 11.8% of the Group NB Loans,  which have original  principal balances
that meet the restrictions  applicable to the CB Loan Group described in clauses
(i) through (iv) of the preceding sentence.

                                       7
<PAGE>

        Initial Monthly Payment Fund: $83,089,  representing scheduled principal
amortization  and interest at the Net Mortgage Rate during the Due Period ending
on December 1, 2002,  for those Mortgage Loans for which the Trustee will not be
entitled to receive such payment.

        Initial Notional  Amount:  With respect to the Class A-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:

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

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

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

        Loan Group:  Either or both of the CB Loan Group or the NB Loan Group.

     Maturity  Date:  November  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:

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

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

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

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

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

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

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

                                       8
<PAGE>

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

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

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

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

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

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

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

        Notional Amount: As of any Distribution  Date, 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 immediately prior to such date.

        Pass-Through Rate: With respect to the Senior  Certificates  (other than
the Class A-V Certificates and Class A-P Certificates), Class M Certificates and
Class B Certificates and any Distribution Date, the per annum rates set forth in
the Preliminary  Statement  hereto.  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 0.3611% 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). The Principal Only Certificates have no Pass-Through Rate and are
not entitled to Accrued Certificate Interest.

        Prepayment  Assumption:   The  prepayment  assumption  to  be  used  for
determining  the  accrual of  original  issue  discount  and  premium and market
discount on the Senior,  Class M and Class B Certificates for federal income tax
purposes, which assumes a constant prepayment rate of 16.0% per annum.

                                       9
<PAGE>

        Prepayment  Distribution  Percentage:  With respect to any  Distribution
Date and the Available Distribution Amount for each Loan Group 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 December 2007
     (unless the Certificate  Principal Balances of the Class CB Certificates or
     Class NB Certificates and Residual Certificates,  as applicable,  have been
     reduced to zero), 0%.

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

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

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

(iii)Notwithstanding  the  foregoing,   if  the  application  of  the  foregoing
     percentages  on any  Distribution  Date as provided in Section 4.02 of this
     Series  Supplement  (determined  without  regard  to  the  proviso  to  the
     definition of "Subordinate  Principal Distribution Amount") would result in
     a  distribution  in  respect  of  principal  of any  Class  or  Classes  of
     Subordinate   Certificates   in  an  amount   greater  than  the  remaining
     Certificate Principal Balance thereof (any such class, a "Maturing Class"),
     then:  (a) the  Prepayment  Distribution  Percentage of each Maturing Class
     shall be reduced to a level that,  when applied as described  above,  would
     exactly reduce the Certificate Principal Balance of such Class to zero; (b)
     the Prepayment  Distribution  Percentage of each other Class of Subordinate
     Certificates (any such Class, a "Non-Maturing Class") shall be recalculated
     in  accordance  with the  provisions  in  paragraph  (ii) above,  as if the
     Certificate  Principal  Balance of each Maturing  Class had been reduced to
     zero (such percentage as recalculated,  the "Recalculated Percentage"); (c)
     the  total  amount  of  the  reductions  in  the  Prepayment   Distribution
     Percentages of the Maturing Class or Classes pursuant to clause (a) of this
     sentence,  expressed as an aggregate  percentage,  shall be allocated among
     the  Non-Maturing  Classes in proportion to their  respective  Recalculated
     Percentages  (the portion of such  aggregate  reduction so allocated to any
     Non-Maturing Class, the "Adjustment  Percentage");  and (d) for purposes of
     such  Distribution  Date,  the Prepayment  Distribution  Percentage of each
     Non-Maturing  Class  shall  be  equal  to the  sum of  (1)  the  Prepayment
     Distribution   Percentage  thereof,   calculated  in  accordance  with  the
     provisions in paragraph (ii) above as if the Certificate  Principal Balance

                                       10
<PAGE>

     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.

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

     Retail  Certificates:  Any of the Class  CB-2  Certificates  and Class NB-2
Certificates.

     Scheduled Final Distribution Date: November 25, 2032.

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

     Senior  Percentage:  The Class CB  Percentage  or Class NB  Percentage,  as
applicable.

     Senior Principal  Distribution Amount: The Class CB Principal  Distribution
Amount or the Class NB Principal Distribution Amount, as applicable.

        Special Hazard Amount:  As of any Distribution  Date, an amount equal to
$4,212,495  minus the sum of (i) the aggregate  amount of Special  Hazard Losses
allocated  solely to one or more specific  Classes of Certificates in accordance
with Section 4.05 of this Series  Supplement and (ii) the Adjustment  Amount (as
defined below) as most recently calculated.  For each anniversary of the Cut-off
Date, the Adjustment  Amount shall be equal to the amount,  if any, by which the
amount  calculated in accordance  with the preceding  sentence  (without  giving
effect to the deduction of the Adjustment Amount for such  anniversary)  exceeds
the greater of (A) the greatest of (i) twice the outstanding  principal  balance
of the  Mortgage  Loan in the  Trust  Fund  which  has the  largest  outstanding
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 39.4%
(which  percentage  is equal to the  percentage  of Mortgage  Loans by aggregate
principal balance initially secured by Mortgaged Properties located in the State
of California) and (ii) the aggregate  outstanding  principal balance (as of the

                                       11
<PAGE>

immediately preceding Distribution Date) of the largest Mortgage Loan secured by
a Mortgaged  Property  (or,  with  respect to a  Cooperative  Loan,  the related
Cooperative Apartment) located in the State of California.

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

        Subordinate   Principal   Distribution   Amount:  With  respect  to  any
Distribution Date and Loan Group and each Class of Subordinate Certificates, (a)
the sum of the  following:  (i)  such  Class's  pro  rata  share,  based  on the
Certificate  Principal  Balance of each Class of Subordinate  Certificates  then
outstanding,  of the aggregate of the amounts calculated  (without giving effect
to the related Senior  Percentages) for such  Distribution  Date for the related
Loan Group under  clauses (1), (2) and (3) of Section  4.02(a)(ii)(Y)(A)  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)  for the related Loan Group  (without  giving effect to the
related  Senior  Accelerated  Distribution   Percentages)  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 for
the  related  Loan Group  (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 the  related  Loan Group for such
Distribution  Date; and (v) any amounts described in clauses (i), (ii) and (iii)
as determined for any previous  Distribution Date, that remain  undistributed to
the extent that such amounts are not  attributable to Realized Losses which have
been allocated to a Class of Subordinate  Certificates minus (b) with respect to
the Class of  Subordinate  Certificates  with the  Lowest  Priority,  any Excess
Subordinate Principal Amount for such Distribution Date; provided, however, that
the  Subordinate  Principal  Distribution  Amount  for any Class of  Subordinate
Certificates on any  Distribution  Date shall in no event exceed the outstanding
Certificate Principal Balance of such Class of Certificates immediately prior to
such date.

        Uncertificated Class A-V REMIC Regular Interests or Uncertificated REMIC
Regular Interests: Each of the 2,113 uncertificated partial undivided beneficial
ownership  interests in the Trust Fund,  numbered  sequentially from 1 to 2,113,
each  relating to the  particular  Mortgage Loan  identified by such  sequential
number on the Mortgage Loan Schedule, each having no principal balance, and each
bearing  interest  at the  respective  Pool Strip  Rate on the Stated  Principal
Balance of the related Mortgage Loan.

     Underwriters:  Salomon Smith Barney Inc. and Residential Funding Securities
Corporation.

                                       12
<PAGE>

Section 1.02.  Use of Words and Phrases.

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

                                       13
<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, with respect to a majority of the Mortgage
        Loans,  on the  first  day of  each  month  and  terms  to  maturity  at
        origination or modification of not more than 30 years;

(iv) To the  best  of the  Company's  knowledge,  except  with  respect  to nine
     Mortgage Loans, representing approximately 0.3% of the principal balance of
     the  Mortgage  Loans at  origination,  if a  Mortgage  Loan is secured by a
     Mortgaged  Property with a Loan-to-Value  Ratio at origination in excess of
     80%, such Mortgage Loan is the subject of a Primary  Insurance  Policy that
     insures (a) at least 35% of the Stated  Principal  Balance of the  Mortgage
     Loan at  origination  if the  Loan-to-Value  Ratio is between  100.00%  and
     95.01%,  (b) at least 30% of the Stated  Principal  Balance of the Mortgage
     Loan at  origination  if the  Loan-to-Value  Ratio is  between  95.00%  and
     90.01%,  (c) at least 25% of such  balance  if the  Loan-to-Value  Ratio is
     between  90.00%  and  85.01%  and (d) at least 12% of such  balance  if the
     Loan-to-Value  Ratio  is  between  85.00%  and  80.01%.  To the best of the
     Company's  knowledge,  each such Primary  Insurance Policy is in full force
     and effect and the Trustee is entitled to the benefits thereunder;

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

                                       14
<PAGE>

(vi) No more  than  0.4% of the  Group CB 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 0.6% of the Group
     CB 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; and no more than 0.8% of the Group NB 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 Group NB Loans by aggregate Stated Principal  Balance as of the
     Cut-off  Date are secured by  Mortgaged  Properties  located in any one zip
     code area outside California;

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

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

(ix) Approximately  67.8% of the Group CB Loans by  aggregate  Stated  Principal
     Balance  as of the  Cut-off  Date were  underwritten  under a reduced  loan
     documentation  program,  approximately  18.03%  of the  Group  CB  Loans by
     aggregate Stated Principal Balance as of the Cut-off Date were underwritten
     under a no-stated income program,  and approximately  4.17% of the Group CB
     Loans by  aggregate  Stated  Principal  Balance as of the Cut-off Date were
     underwritten under a no income/no asset program; and approximately 47.8% of
     the Group NB Loans by aggregate Stated Principal  Balance as of the Cut-off
     Date  were  underwritten  under  a  reduced  loan  documentation   program,
     approximately  10.10% of the Group NB Loans by aggregate  Stated  Principal
     Balance as of the Cut-off Date were  underwritten  under a no-stated income
     program,  and 1.49% of the  Group NB Loans by  aggregate  Stated  Principal
     Balance as of the Cut-off Date were underwritten under a no income/no asset
     program;

(x)     Except  with  respect  to  approximately  22.1% of the Group CB Loans by
        aggregate  Stated  Principal   Balance  as  of  the  Cut-off  Date,  and
        approximately  8.1% of the Group NB Loans by aggregate  Stated Principal
        Balance as of the Cut-off Date,  the Mortgagor  represented  in its loan
        application with respect to the related Mortgage Loan that the Mortgaged
        Property would be owner-occupied;

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

                                       15
<PAGE>

(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 is a  Cooperative  Loan;  with respect to a
        Mortgage Loan that is a Cooperative  Loan, the Cooperative Stock that is
        pledged  as  security  for the  Mortgage  Loan is held by a person  as a
        tenant-stockholder  (as  defined  in  Section  216  of  the  Code)  in a
        cooperative housing corporation (as defined in Section 216 of the Code);

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

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

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

(xviii) None of the  Group CB Loans or Group NB Loans  will  have  been  made to
        International Borrowers;

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

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

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

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

                                       16
<PAGE>

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/   Issuance  of
     Certificates.

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

Section 2.06.  [Reserved].

Section 2.07.  [Reserved].

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

                                       17
<PAGE>

                                  ARTICLE III

                          ADMINISTRATION AND SERVICING

                                OF MORTGAGE LOANS

                     (SEE ARTICLE III OF THE STANDARD TERMS)

                                       18
<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, shall distribute to the Master
Servicer,  in the case of a distribution  pursuant to Section 4.02(a)(iv) below,
the amount  required to be distributed to the Master  Servicer or a Sub-Servicer
pursuant to Section 4.02(a)(iv) below, and to each  Certificateholder  of record
on the next  preceding  Record Date  (other  than as  provided  in Section  9.01
respecting the final  distribution)  either in immediately  available  funds (by
wire transfer or otherwise) to the account of such  Certificateholder  at a bank
or   other   entity   having   appropriate    facilities   therefor,   if   such
Certificateholder  has so notified the Master  Servicer or the Paying Agent,  as
the case may be, or, if such  Certificateholder  has not so notified  the Master
Servicer  or the  Paying  Agent by the  Record  Date,  by check  mailed  to such
Certificateholder  at the address of such Holder  appearing  in the  Certificate
Register  such  Certificateholder's  share (which share (A) with respect to each
Class of Certificates  (other than any Subclass of the Class A-V  Certificates),
shall be based on the  aggregate  of the  Percentage  Interests  represented  by
Certificates of the applicable  Class held by such Holder or (B) with respect to
any  Subclass  of the Class A-V  Certificates,  shall be equal to the amount (if
any)  distributed  pursuant  to  Section  4.02(a)(i)  below to each  Holder of a
Subclass thereof) of the following  amounts,  in the following order of priority
(subject to the provisions of Section 4.02(b),  (c), (d), (e) and (f) below), in
each case to the  extent of the  related  or  specified  Available  Distribution
Amount  remaining in the case of clauses (i) through (iii), and to the extent of
the Available  Distribution  Amount for each Loan Group,  in the case of clauses
(iv) through (xvii):

(i)     (X) from the Available Distribution Amount related to the CB Loan Group,
        to the Class CB Certificateholders  Accrued Certificate Interest on such
        Class of  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);

                      (Y) from the Available  Distribution Amount related to the
        NB  Loan  Group,  to  the  Class  NB  Certificateholders   and  Residual
        Certificateholders  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 for
        such Distribution  Date, plus any Accrued  Certificate  Interest thereon
        remaining unpaid from any previous  Distribution Date except as provided
        in the last paragraph of this Section 4.02(a); and

                      (Z) from the Available  Distribution  Amount  derived from
        the related Loan Group, on a parity with the  distributions  in Sections
        4.02(a)(i)(X)  and  4.02(a)(i)(Y),  as  applicable,  to  the  Class  A-V
        Certificates  (or  Subclasses,  if any) in proportion to the  respective
        amounts of Accrued  Certificate  Interest thereon derived from each Loan

                                       19
<PAGE>

        Group,  Accrued  Certificate  Interest on the Class A-V Certificates (or
        Subclasses,  if any) with respect to such  Distribution Date and derived
        from the related  Loan  Group,  plus any  Accrued  Certificate  Interest
        thereon  remaining  unpaid  from any  previous  Distribution  Date  with
        respect to such Loan Group  except as provided in the last  paragraph of
        this Section 4.02(a);

(ii)    (X) to the  Class  A-P  Certificates,  from the  Available  Distribution
        Amount for each Loan Group in  proportion to the  respective  amounts of
        the Class  A-P  Principal  Distribution  Amount  derived  from each Loan
        Group,  the Class A-P Principal  Distribution  Amount (applied to reduce
        the Certificate Principal Balances of such Senior Certificates); and

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

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

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

     (3)  the  principal  portion  of all  other  unscheduled  collections  with
          respect to the related Loan Group (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),
          including  Subsequent   Recoveries,   received  during  the  preceding

                                       20
<PAGE>

          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 in the related Loan Group 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
     related  Senior  Percentage  for such  Distribution  Date  times the Stated
     Principal  Balance of such Mortgage  Loan (other than the related  Discount
     Fraction of such Stated  Principal  Balance,  with respect to each Discount
     Mortgage  Loan)  and  (b)  the  related  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 related Senior  Accelerated  Distribution  Percentage for such
     Distribution Date times the aggregate of all Principal  Prepayments in Full
     with respect to the related Loan Group  received in the related  Prepayment
     Period and Curtailments  with respect to the related Loan Group 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 portion of the Excess  Subordinate  Principal  Amount for such
     Distribution Date allocated to the related Loan Group; 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; and

                      (Z)  to  the   Holders   of  the  Class  CB  or  Class  NB
        Certificates, as applicable, amounts required to be distributed pursuant
        to Section 4.02(c);

(iii)if the aggregate Certificate Principal Balance of the Class CB Certificates
     or Class NB  Certificates  and  Residual  Certificates  is greater than the
     aggregate  Stated  Principal  Balance of the Mortgage  Loans in the related
     Loan Group  (other than the  related  Discount  Fraction  of each  Discount

                                       21
<PAGE>

     Mortgage  Loan in the related Loan Group) and the Class M  Certificates  or
     Class B  Certificates  are still  outstanding,  in each case  after  giving
     effect  to  distributions  to be  made on such  Distribution  Date,  to the
     Holders of such Class or Classes of Class CB  Certificates  or Class NB and
     Residual  Certificates,  as  applicable,  an  amount  equal to one  month's
     interest at a rate equal to the Discount Net Mortgage Rate on the amount of
     the difference between the aggregate  Certificate Principal Balance of such
     Class or  Classes of Class CB  Certificates  or Class NB  Certificates  and
     Residual  Certificates,  as the  case  may  be,  and the  aggregate  Stated
     Principal   Balance  of  its  related  Loan  Group,   from  the   Available
     Distribution  Amount for the other  Loan  Group  with  respect to which the
     aggregate Stated Principal Balance of the Mortgage Loans in that Loan Group
     are not less  than  the  aggregate  Certificate  Principal  Balance  of the
     related  Classes  of  Senior  Certificates,  applied  first to pay  Accrued
     Certificate  Interest on such Class or Classes of Class CB  Certificates or
     Class NB Certificates and Residual  Certificates on a pro rata basis to the
     extent not paid on such Distribution  Date pursuant to Section  4.02(a)(i),
     and then to pay principal on such Class or Classes of Class CB Certificates
     or Class NB Certificates  and Residual  Certificates in accordance with the
     priorities set forth in Section  4.02(b),  until the Certificate  Principal
     Balance of such Class CB Certificates or Class NB Certificates and Residual
     Certificates  is equal to the  aggregate  Stated  Principal  Balance of the
     Mortgage Loans in the related Loan Group;

(iv) 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;

(v)  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;

(vi) 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 each Loan Group 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)(viii),  (x),  (xii),
     (xiv), (xv) and (xvi) of this Series Supplement are insufficient  therefor,
     applied in reduction of the Certificate  Principal Balance of the Class M-1
     Certificates;

(vii)   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;

                                       22
<PAGE>

(viii)  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 each Loan Group 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) (x), (xii),
        (xiv), (xv) and (xvi) are insufficient therefor, applied in reduction of
        the Certificate Principal Balance of the Class M-2 Certificates;

(ix)    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;

(x)     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 each Loan Group 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)(xii),
        (xiv), (xv) and (xvi) are insufficient therefor, applied in reduction of
        the Certificate Principal Balance of the Class M-3 Certificates;

(xi)    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;

(xii)   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 each Loan Group 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),  (xv)
        and  (xvi)  are  insufficient  therefor,  applied  in  reduction  of the
        Certificate Principal Balance of the Class B-1 Certificates;

(xiii)  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;

(xiv)   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 each Loan Group 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)(xv)  and
        (xvi) are insufficient therefor, applied in reduction of the Certificate
        Principal Balance of the Class B-2 Certificates;

(xv)    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) (xvi)
        are insufficient therefor;

                                       23
<PAGE>

(xvi)   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 each Loan Group 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;

(xvii)  to the Senior Certificates, on a pro rata basis in accordance with their
        respective  outstanding  Certificate Principal Balances, the portion, if
        any, of the Available Distribution Amounts for each Loan Group remaining
        after  the  foregoing  distributions,  together  with  Rounding  Account
        withdrawals with respect to the Retail  Certificates,  applied to reduce
        the Certificate  Principal Balances of such Senior Certificates,  but in
        no  event  more  than  the  aggregate  of  the  outstanding  Certificate
        Principal  Balances  of each  such  Class of  Senior  Certificates,  and
        thereafter,  to each Class of Subordinate  Certificates then outstanding
        beginning with such Class with the Highest Priority,  any portion of the
        Available  Distribution  Amounts for each Loan Group 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

(xviii) to the Class R  Certificates,  the  balance,  if any,  of the  Available
        Distribution Amounts for each Loan Group.

        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.

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

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

                                       24
<PAGE>

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

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

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

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

(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)    second,  concurrently with the  distributions  described in clause (iii)
        below, from the Available Distribution Amount for the CB Loan Group, the
        Class CB Principal Distribution Amount shall be distributed sequentially
        to the Class  CB-1  Certificates  and Class CB-2  Certificates,  in that
        order,  until the  Certificate  Principal  Balances  of the  Class  CB-1
        Certificates and Class CB-2 Certificates have been reduced to zero; and

             (iii) third, concurrently with the distribution described in clause
        (ii)  above,  the  Class  NB  Principal  Distribution  Amount  shall  be
        distributed in the following manner and priority:

                      (A)    first,  to the  Class  R  Certificates,  until  the

                                       25
<PAGE>

                             Certificate  Principal  Balance  thereof  has  been
                             reduced to zero; and

                      (B)    second,  to the Class NB-1  Certificates  and Class
                             NB-2   Certificates,   in  that  order,  until  the
                             Certificate  Principal  Balances  of the Class NB-1
                             Certificates and Class NB-2  Certificates have been
                             reduced to zero.

     (c) Prior to the occurrence of the Credit Support  Depletion Date but after
the reduction of the Certificate Principal Balances of the Class CB Certificates
or Class NB Certificates and Residual  Certificates to zero, the remaining Class
CB  Certificates  or  Class  NB  Certificates  and  Residual  Certificates,   as
applicable,   will  be  entitled  to  receive,  in  addition  to  any  Mortgagor
prepayments  related to such  Certificates'  respective Loan Group,  100% of the
Mortgagor  prepayments  on the  Mortgage  Loans in the other Loan Group,  and in
accordance  with the priorities set forth in clause (b) above,  and in reduction
of the Certificate  Principal Balances thereof,  on any Distribution Date unless
(i) the weighted  average of the  Subordinate  Percentages for both Loan Groups,
weighted on the basis of the Stated Principal  Balances of the Mortgage Loans in
the  related  Loan  Group,  is at least two times the  weighted  average  of the
initial Subordinate  Percentages for both Loan Groups (calculated on such basis)
and (ii) the  outstanding  principal  balance of the Mortgage Loans in both Loan
Groups  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%. In addition,  on any  Distribution
Date  prior  to the  Credit  Support  Depletion  Date  on  which  the  aggregate
Certificate  Principal  Balance  of  the  Class  CB  Certificates  or  Class  NB
Certificates  and  Residual  Certificates,  as  applicable,  is greater than the
aggregate  Stated  Principal  Balance of the Mortgage  Loans in the related Loan
Group in each  case  after  giving  effect to  distributions  to be made on such
Distribution  Date,  100%  of  the  Mortgagor   prepayments   allocable  to  the
Subordinate  Certificates  on the Mortgage Loans in the other Loan Group will be
distributed  to such  class or  classes  of Class  CB  Certificates  or Class NB
Certificates and Residual  Certificates,  as applicable,  and in accordance with
the  priorities  set  forth  in  clause  (b)  above,  and  in  reduction  of the
Certificate   Principal  Balances  thereof,   until  the  aggregate  Certificate
Principal Balance of such Class or Classes of Certificates  equals the aggregate
Stated Principal Balance of the Mortgage Loans in the related Loan Group.

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

                                       26
<PAGE>

     (e) 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 for each Loan Group will be paid solely to
the holders of the Class A-P, Class A-V and  Subordinate  Certificates,  in each
case as described herein.

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

     (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

                                       27
<PAGE>

(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; Exchange Act Reporting.

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

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

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

Section 4.05.  Allocation of Realized Losses.

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

                                       28
<PAGE>

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 Class CB  Certificates  (in the case of a Group CB Loan) or among
the Class NB Certificates and the Residual  Certificates (in the case of a Group
NB Loan), and the Class A-V Certificates (in the case of the interest portion of
a Realized Loss on a Mortgage Loan in either Loan Group) on a pro rata basis, as
described  below.  The principal  portion of any Excess  Special  Hazard Losses,
Excess  Bankruptcy  Losses,  Excess  Fraud  Losses and  Extraordinary  Losses on
Discount  Mortgage Loans will be allocated to the Class A-P  Certificates  in an
amount equal to the Discount  Fraction  thereof and the Class CB  Percentage  or
Class NB Percentage (as applicable) of the remainder of the principal portion of
such losses  (including  the  principal  portion of such losses on  Non-Discount
Mortgage Loans) will be allocated among the Class CB Certificates  and Class A-V
Certificates  (in the case of a Group CB Loan) on a pro rata basis, or among the
Class NB, Residual and Class A-V  Certificates  (in the case of a Group NB Loan)
on a pro rata basis,  as described  below;  and the  remainder of the  principal
portion  of  such  Realized  Losses  will be  allocated  among  the  Subordinate
Certificates,  on a pro rata basis, as described  below. The interest portion of
any Excess Special Hazard Losses,  Excess Bankruptcy Losses, Excess Fraud Losses
and Extraordinary Losses will be allocated to all the Certificates on a pro rata
basis.

        As used herein,  an  allocation of a Realized Loss on a "pro rata basis"
among two or more specified Classes of Certificates 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  derived  from the  related  Loan  Group  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  from the related  Loan Group in respect of such  Distribution  Date and
derived from the related Loan Group (without regard to any Compensating Interest
for such  Distribution  Date) in the case of an  interest  portion of a Realized
Loss.  Except as provided  in the  following  sentence,  any  allocation  of the
principal  portion of Realized Losses (other than Debt Service  Reductions) to a
Class  of  Certificates  shall be made by  reducing  the  Certificate  Principal
Balance thereof by the amount so allocated,  which allocation shall be deemed to
have occurred on such Distribution Date. Any allocation of the principal portion
of Realized  Losses  (other than Debt  Service  Reductions)  to the  Subordinate
Certificates  then  outstanding  with  the  Lowest  Priority  shall  be  made by
operation of the definition of "Certificate  Principal Balance" and by operation
of the provisions of Section  4.02(a).  Allocations of 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"

                                       29
<PAGE>

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

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

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

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

                                       30
<PAGE>

ARTICLE V

<PAGE>

                                THE CERTIFICATES

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

Section 5.02. Registration of Transfer and Exchange of Certificates.

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

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

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

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

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

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

                                       31
<PAGE>

                                   ARTICLE VI

                       THE COMPANY AND THE MASTER SERVICER

                     (SEE ARTICLE VI OF THE STANDARD TERMS)

                                       32
<PAGE>

                                  ARTICLE VII

                                     DEFAULT

                     (SEE ARTICLE VII OF THE STANDARD TERMS)

                                       33
<PAGE>

                                  ARTICLE VIII

                             CONCERNING THE TRUSTEE

                    (SEE ARTICLE VIII OF THE STANDARD TERMS)

                                       34
<PAGE>

                                   ARTICLE IX

                                   TERMINATION

                     (SEE ARTICLE IX OF THE STANDARD TERMS)

                                       35
<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.

        The REMIC  Administrator  will  make an  election  to treat  the  entire
segregated pool of assets described in the definition of Trust Fund, and subject
to this  Agreement  (including  the  Mortgage  Loans but  excluding  the Initial
Monthly Payment Fund) as a REMIC for federal income tax purposes.

        The Class CB-1,  Class CB-2,  Class NB-1,  Class NB-2,  Class A-P, Class
M-1, Class M-2, Class M-3, Class B-1, Class B-2 and Class B-3  Certificates  and
the Uncertificated Class A-V REMIC Regular Interests, the rights in and to which
will be represented by the Class A-V Certificates,  will be "regular  interests"
in the REMIC,  and the Class R Certificates  will be the sole class of "residual
interests"  therein for  purposes of the REMIC  Provisions  (as defined  herein)
under federal  income tax law. On and after the date of issuance of any Subclass
of Class A-V Certificates  pursuant to Section  5.01(c),  any such Subclass will
represent  the  Uncertificated  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  issue  discount  payments  or  advances  thereof  that the
Trustee or any Paying Agent, as applicable,  reasonably  believes are applicable
under the Code. The consent of Certificateholders shall not be required for such
withholding.  In the event the Trustee or any Paying Agent, as applicable,  does
withhold  any amount  from  interest  or  original  issue  discount  payments or
advances  thereof  to any  Certificateholder  pursuant  to  federal  withholding
requirements, the Trustee or any Paying Agent, as applicable, shall indicate the
amount  withheld  to  such  Certificateholder  pursuant  to the  terms  of  such
requirements.

                                       36
<PAGE>

                                   ARTICLE XI

                            MISCELLANEOUS PROVISIONS

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

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

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

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

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

            RECIPIENT                                  ADDRESS
Company                     8400 Normandale Lake Boulevard
                            Suite 250, Minneapolis, Minnesota  55437,
                            Attention: President

Master Servicer             2255 N. Ontario Street, Suite 400
                             Burbank, California 91504-2130,
                            Attention:  Managing Director/Master Servicing

Trustee                     Corporate Trust Office
                            1761 East St. Andrew Place
                            Santa Ana, California 92705-4934,
                            Attention:  Residential Accredit Loans, Inc.
                                  Series 2002-QS17

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

                                       37
<PAGE>

Any notice  required or permitted to be mailed to a  Certificateholder  shall be
given by first class  mail,  postage  prepaid,  at the address of such holder as
shown  in the  Certificate  Register.  Any  notice  so  mailed  within  the time
prescribed in this Agreement  shall be  conclusively  presumed to have been duly
given, whether or not the Certificateholder receives such notice.

Section 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.

               98.0%  of all of the  Voting  Rights  shall  be  allocated  among
Holders  of  Certificates,  other  than the Class A-V  Certificates  and Class R
Certificates, in proportion to the outstanding Certificate Principal Balances of
their  respective  Certificates;  1.0% of all Voting  Rights  shall be allocated
among the  Holders  of the Class A-V  Certificates,  in  accordance  with  their
respective  Percentage  Interests;  and  1.0%  of all  Voting  Rights  shall  be
allocated  among the Holders of the Class R  Certificates,  in  accordance  with
their respective Percentage Interests.

Section 11.10. No Petition.

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

                                       38
<PAGE>

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

                                       RESIDENTIAL ACCREDIT LOANS, INC.
[Seal]

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

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

                                       RESIDENTIAL FUNDING CORPORATION
[Seal]

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

Attest: //s// Julie Steinhagen
      Name: Julie Steinhagen
      Title: Director

                               DEUTSCHE BANK TRUST COMPANY AMERICAS, as Trustee
[Seal]

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

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

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

                                       39
<PAGE>

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

               On 26th day of November,  2002 before me, a notary  public in and
for said State,  personally  appeared  Joseph  Orning,  known to me to be a Vice
President of Residential  Accredit  Loans,  Inc., one of the  corporations  that
executed  the  within  instrument,  and also  known to me to be the  person  who
executed  it on behalf of said  corporation,  and  acknowledged  to me that such
corporation executed the within instrument.

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

                                                   //s// Brian Bangerter
                                                          Notary Public
[Notarial Seal]

                                       40
<PAGE>

STATE OF MINNESOTA
                                  )
                                  ) ss.:
COUNTY OF HENNEPIN                )
               On the 26th day of November,  2002 before me, a notary  public in
and for said  State,  personally  appeared  Lisa  Lundsten,  known to me to be a
Managing Director of Residential  Funding  Corporation,  one of the corporations
that executed the within  instrument,  and also known to me to be the person who
executed  it on behalf of said  corporation,  and  acknowledged  to me that such
corporation executed the within instrument.

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

                                                   //s// Brian Bangerter
                                                          Notary Public

[Notarial Seal]

                                       41
<PAGE>

STATE OF CALIFORNIA
                                  )
                                  ) ss.:
COUNTY OF ORANGE                  )
               On the 26th day of November,  2002 before me, a notary  public in
and for said State,  personally  appeared  Ronaldo  Reyes,  known to me to be an
Associate  of  Deutsche  Bank  Trust  Company  Americas,  the New  York  banking
corporation that executed the within instrument,  and also known to me to be the
person who executed it on behalf of said banking corporation and acknowledged to
me that such banking corporation executed the within instrument.

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

                                                   //s// Brent Wayne Hoyler
                                                          Notary Public

[Notarial Seal]

                                       42
<PAGE>

STATE OF CALIFORNIA               )
                                  ) ss.:
COUNTY OF ORANGE                  )
               On the 26th day of November,  2002 before me, a notary  public in
and for said State,  personally  appeared  James F. Noriega known to me to be an
Associate  of  Deutsche  Bank  Trust  Company  Americas,  the New  York  banking
corporation that executed the within instrument,  and also known to me to be the
person who executed it on behalf of said banking corporation and acknowledged to
me that such banking corporation executed the within instrument.

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

                                                   //s// Brent Wayne Hoyler
                                                          Notary Public

[Notarial Seal]

                                       43
<PAGE>

                                   EXHIBIT ONE

                             MORTGAGE LOAN SCHEDULE

  RUN ON     : 11/21/02           RFC DISCLOSURE SYSTEM       RFFSDFIX-01
  AT         : 08.20.07           FIXED PASSTHRU REPORT       AMORTIZED BALANCE
  SERIES     : RALI 2002-QS17 CONFORMING                      CUTOFF : 11/01/02
  POOL       : 0004637
             :
             :
  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
  -------------------------------------------------------------------------

      7547535                              .2500
      248,318.00                          .0800
            7.2500                         .0000
            7.0000                         .0000
            6.9200                         .0000
            6.0000                         .9200

      7683347                              .2500
      225,532.07                          .0800
            7.5000                         .0000
            7.2500                         .0000
            7.1700                         .0000
            6.0000                        1.1700

      7759671                              .2500
      116,640.60                          .0800
            7.3750                         .0000
            7.1250                         .0000
            7.0450                         .0000
            6.0000                        1.0450

      7782627                              .2500
      129,744.94                          .0800
            6.8750                         .0000
            6.6250                         .0000
            6.5450                         .0000
            6.0000                         .5450

      7786127                              .2500
       80,558.91                          .0800
            6.8750                         .0000
            6.6250                         .0000
            6.5450                         .0000
            6.0000                         .5450

      7786131                              .2500
       88,544.89                          .0800
            6.8750                         .0000
            6.6250                         .0000
            6.5450                         .0000
            6.0000                         .5450
1

      7786321                              .2500
       59,757.19                          .0800
            7.1250                         .0000
            6.8750                         .0000
            6.7950                         .0000
            6.0000                         .7950

      7787189                              .2500
       66,673.71                          .0800
            7.1250                         .0000
            6.8750                         .0000
            6.7950                         .0000
            6.0000                         .7950

      7787211                              .2500
       49,756.51                          .0800
            7.1250                         .0000
            6.8750                         .0000
            6.7950                         .0000
            6.0000                         .7950

      7800467                              .2500
      127,293.91                          .0800
            7.2500                         .0000
            7.0000                         .0000
            6.9200                         .0000
            6.0000                         .9200

      7826213                              .2500
       72,271.71                          .0800
            7.2500                         .0000
            7.0000                         .0000
            6.9200                         .0000
            6.0000                         .9200

      7842669                              .2500
      107,568.54                          .0800
            7.3750                         .0000
            7.1250                         .0000
            7.0450                         .0000
            6.0000                        1.0450

      7863383                              .2500
      165,838.78                          .0800
            7.0000                         .0000
            6.7500                         .0000
            6.6700                         .0000
            6.0000                         .6700

      7871241                              .2500
      142,763.09                          .0800
            7.2500                         .0000
            7.0000                         .0000
            6.9200                         .0000
            6.0000                         .9200
1

      7888643                              .2500
      284,259.74                          .0800
            6.7500                         .0000
            6.5000                         .0000
            6.4200                         .0000
            6.0000                         .4200

      7893855                              .2500
      240,887.84                          .0800
            6.8750                         .0000
            6.6250                         .0000
            6.5450                         .0000
            6.0000                         .5450

      7909909                              .2500
      136,061.45                          .0800
            7.2500                         .0000
            7.0000                         .0000
            6.9200                         .0000
            6.0000                         .9200

      7921785                              .2500
       64,831.16                          .0800
            6.7500                         .0000
            6.5000                         .0000
            6.4200                         .0000
            6.0000                         .4200

      7924287                              .2500
       97,563.97                          .0800
            7.1250                         .0000
            6.8750                         .0000
            6.7950                         .0000
            6.0000                         .7950

      7930411                              .2500
      184,480.89                          .0800
            6.7500                         .0000
            6.5000                         .0000
            6.4200                         .0000
            6.0000                         .4200

      7936613                              .2500
      113,500.24                          .0800
            7.3750                         .0000
            7.1250                         .0000
            7.0450                         .0000
            6.0000                        1.0450

      7937013                              .2500
       46,433.18                          .0800
            6.8750                         .0000
            6.6250                         .0000
            6.5450                         .0000
            6.0000                         .5450
1

      7937131                              .2500
       89,001.90                          .0800
            7.8750                         .0000
            7.6250                         .0000
            7.5450                         .0000
            6.0000                        1.5450

      7937185                              .2500
      187,360.30                          .0800
            6.8750                         .0000
            6.6250                         .0000
            6.5450                         .0000
            6.0000                         .5450

      7937203                              .2500
      139,653.73                          .0800
            7.0000                         .0000
            6.7500                         .0000
            6.6700                         .0000
            6.0000                         .6700

      7940143                              .2500
      112,835.90                          .0800
            7.6250                         .0000
            7.3750                         .0000
            7.2950                         .0000
            6.0000                        1.2950

      7941575                              .2500
      196,100.18                          .0800
            7.3750                         .0000
            7.1250                         .0000
            7.0450                         .0000
            6.0000                        1.0450

      7944851                              .2500
       48,451.85                          .0800
            6.8750                         .0000
            6.6250                         .0000
            6.5450                         .0000
            6.0000                         .5450

      7947387                              .2500
      116,531.73                          .0800
            7.3750                         .0000
            7.1250                         .0000
            7.0450                         .0000
            6.0000                        1.0450

      7949485                              .2500
       29,934.45                          .0800
            7.6250                         .0000
            7.3750                         .0000
            7.2950                         .0000
            6.0000                        1.2950
1

      7952211                              .2500
       84,499.92                          .0800
            6.7500                         .0000
            6.5000                         .0000
            6.4200                         .0000
            6.0000                         .4200

      7952927                              .2500
      158,133.08                          .0800
            6.8750                         .0000
            6.6250                         .0000
            6.5450                         .0000
            6.0000                         .5450

      7954061                              .2500
      114,796.52                          .0800
            6.6250                         .0000
            6.3750                         .0000
            6.2950                         .0000
            6.0000                         .2950

      7954147                              .2500
       64,408.65                          .0800
            7.7500                         .0000
            7.5000                         .0000
            7.4200                         .0000
            6.0000                        1.4200

      7954247                              .2500
      143,751.34                          .0800
            6.7500                         .0000
            6.5000                         .0000
            6.4200                         .0000
            6.0000                         .4200

      7954323                              .2500
       49,919.80                          .0800
            7.1250                         .0000
            6.8750                         .0000
            6.7950                         .0000
            6.0000                         .7950

      7954953                              .2500
      107,132.08                          .0800
            7.2500                         .0000
            7.0000                         .0000
            6.9200                         .0000
            6.0000                         .9200

      7954961                              .2500
      141,777.79                          .0800
            7.2500                         .0000
            7.0000                         .0000
            6.9200                         .0000
            6.0000                         .9200
1

      7955013                              .2500
      198,245.53                          .0800
            6.7500                         .0000
            6.5000                         .0000
            6.4200                         .0000
            6.0000                         .4200

      7956269                              .2500
       88,953.51                          .0800
            7.0000                         .0000
            6.7500                         .0000
            6.6700                         .0000
            6.0000                         .6700

      7956301                              .2500
       59,851.59                          .0800
            7.0000                         .0000
            6.7500                         .0000
            6.6700                         .0000
            6.0000                         .6700

      7956309                              .2500
      125,288.96                          .0800
            7.0000                         .0000
            6.7500                         .0000
            6.6700                         .0000
            6.0000                         .6700

      7956691                              .2500
      174,797.63                          .0800
            6.7500                         .0000
            6.5000                         .0000
            6.4200                         .0000
            6.0000                         .4200

      7958335                              .2500
      107,739.35                          .0800
            7.1250                         .0000
            6.8750                         .0000
            6.7950                         .0000
            6.0000                         .7950

      7959139                              .2500
      171,736.41                          .0800
            7.3750                         .0000
            7.1250                         .0000
            7.0450                         .0000
            6.0000                        1.0450

      7959879                              .2500
      207,361.07                          .0800
            7.3750                         .0000
            7.1250                         .0000
            7.0450                         .0000
            6.0000                        1.0450
1

      7959947                              .2500
      123,715.18                          .0800
            7.3750                         .0000
            7.1250                         .0000
            7.0450                         .0000
            6.0000                        1.0450

      7960075                              .2500
      129,564.72                          .0800
            7.5000                         .0000
            7.2500                         .0000
            7.1700                         .0000
            6.0000                        1.1700

      7960083                              .2500
      123,700.72                          .0800
            7.1250                         .0000
            6.8750                         .0000
            6.7950                         .0000
            6.0000                         .7950

      7960145                              .2500
       64,810.00                          .0800
            7.6250                         .0000
            7.3750                         .0000
            7.2950                         .0000
            6.0000                        1.2950

      7963463                              .2500
      274,048.51                          .0800
            6.5000                         .0000
            6.2500                         .0000
            6.1700                         .0000
            6.0000                         .1700

      7963533                              .2500
      139,608.92                          .0800
            6.3750                         .0000
            6.1250                         .0000
            6.0450                         .0000
            6.0000                         .0450

      7963611                              .2500
      135,145.72                          .0800
            6.8750                         .0000
            6.6250                         .0000
            6.5450                         .0000
            6.0000                         .5450

      7963697                              .2500
       51,062.27                          .0800
            7.1250                         .0000
            6.8750                         .0000
            6.7950                         .0000
            6.0000                         .7950
1

      7963741                              .2500
      142,737.24                          .0800
            6.8750                         .0000
            6.6250                         .0000
            6.5450                         .0000
            6.0000                         .5450

      7963893                              .2500
      229,402.57                          .0800
            6.7500                         .0000
            6.5000                         .0000
            6.4200                         .0000
            6.0000                         .4200

      7964011                              .2500
      169,437.73                          .0800
            7.0000                         .0000
            6.7500                         .0000
            6.6700                         .0000
            6.0000                         .6700

      7964021                              .2500
      137,008.86                          .0800
            7.3750                         .0000
            7.1250                         .0000
            7.0450                         .0000
            6.0000                        1.0450

      7964039                              .2500
      132,890.71                          .0800
            7.5000                         .0000
            7.2500                         .0000
            7.1700                         .0000
            6.0000                        1.1700

      7964835                              .2500
       86,751.99                          .0800
            7.7500                         .0000
            7.5000                         .0000
            7.4200                         .0000
            6.0000                        1.4200

      7964839                              .2500
       74,763.82                          .0800
            7.2500                         .0000
            7.0000                         .0000
            6.9200                         .0000
            6.0000                         .9200

      7964847                              .2500
       82,206.25                          .0800
            7.3750                         .0000
            7.1250                         .0000
            7.0450                         .0000
            6.0000                        1.0450
1

      7968985                              .2500
      132,991.55                          .0800
            7.2500                         .0000
            7.0000                         .0000
            6.9200                         .0000
            6.0000                         .9200

      7969211                              .2500
       67,882.57                          .0800
            6.7500                         .0000
            6.5000                         .0000
            6.4200                         .0000
            6.0000                         .4200

      7969745                              .2500
      131,526.87                          .0800
            6.6250                         .0000
            6.3750                         .0000
            6.2950                         .0000
            6.0000                         .2950

      7978421                              .2500
       66,881.45                          .0800
            6.6250                         .0000
            6.3750                         .0000
            6.2950                         .0000
            6.0000                         .2950

      7979091                              .2500
      109,800.58                          .0800
            6.5000                         .0000
            6.2500                         .0000
            6.1700                         .0000
            6.0000                         .1700

      7982203                              .2500
      187,515.53                          .0800
            6.8750                         .0000
            6.6250                         .0000
            6.5450                         .0000
            6.0000                         .5450

      7984639                              .2500
       63,101.09                          .0800
            7.2500                         .0000
            7.0000                         .0000
            6.9200                         .0000
            6.0000                         .9200

      7985455                              .2500
       84,111.48                          .0800
            7.0000                         .0000
            6.7500                         .0000
            6.6700                         .0000
            6.0000                         .6700
1

      7987577                              .2500
       75,871.93                          .0800
            6.8750                         .0000
            6.6250                         .0000
            6.5450                         .0000
            6.0000                         .5450

      7988507                              .2500
       74,882.64                          .0800
            7.2500                         .0000
            7.0000                         .0000
            6.9200                         .0000
            6.0000                         .9200

      7988587                              .2500
       74,882.64                          .0800
            7.2500                         .0000
            7.0000                         .0000
            6.9200                         .0000
            6.0000                         .9200

      7988627                              .2500
      112,276.98                          .0800
            6.7500                         .0000
            6.5000                         .0000
            6.4200                         .0000
            6.0000                         .4200

      7993281                              .2500
       99,032.85                          .0800
            6.8750                         .0000
            6.6250                         .0000
            6.5450                         .0000
            6.0000                         .5450

      7994091                              .2500
      103,017.40                          .0800
            6.6250                         .0000
            6.3750                         .0000
            6.2950                         .0000
            6.0000                         .2950

      7995883                              .2500
       87,455.98                          .0800
            7.0000                         .0000
            6.7500                         .0000
            6.6700                         .0000
            6.0000                         .6700

      7996169                              .2500
      163,709.82                          .0800
            6.6250                         .0000
            6.3750                         .0000
            6.2950                         .0000
            6.0000                         .2950
1

      7996223                              .2500
       80,127.49                          .0800
            7.3750                         .0000
            7.1250                         .0000
            7.0450                         .0000
            6.0000                        1.0450

      7996227                              .2500
       65,150.39                          .0800
            7.3750                         .0000
            7.1250                         .0000
            7.0450                         .0000
            6.0000                        1.0450

      7997547                              .2500
      127,554.98                          .0800
            7.3750                         .0000
            7.1250                         .0000
            7.0450                         .0000
            6.0000                        1.0450

      7997589                              .2500
      115,809.28                          .0800
            7.0000                         .0000
            6.7500                         .0000
            6.6700                         .0000
            6.0000                         .6700

      8005027                              .2500
      111,801.82                          .0800
            6.6250                         .0000
            6.3750                         .0000
            6.2950                         .0000
            6.0000                         .2950

      8005051                              .2500
      234,594.20                          .0800
            6.7500                         .0000
            6.5000                         .0000
            6.4200                         .0000
            6.0000                         .4200

      8005315                              .2500
       50,356.61                          .0800
            6.7500                         .0000
            6.5000                         .0000
            6.4200                         .0000
            6.0000                         .4200

      8009525                              .2500
      111,811.28                          .0800
            6.8750                         .0000
            6.6250                         .0000
            6.5450                         .0000
            6.0000                         .5450
1

      8014255                              .2500
      134,566.34                          .0800
            7.0000                         .0000
            6.7500                         .0000
            6.6700                         .0000
            6.0000                         .6700

      8015421                              .2500
      143,751.34                          .0800
            6.7500                         .0000
            6.5000                         .0000
            6.4200                         .0000
            6.0000                         .4200

      8015503                              .2500
       37,453.30                          .0800
            7.2500                         .0000
            7.0000                         .0000
            6.9200                         .0000
            6.0000                         .9200

      8015773                              .2500
      183,712.07                          .0800
            7.2500                         .0000
            7.0000                         .0000
            6.9200                         .0000
            6.0000                         .9200

      8017317                              .2500
       58,898.11                          .0800
            6.7500                         .0000
            6.5000                         .0000
            6.4200                         .0000
            6.0000                         .4200

      8017631                              .2500
      106,075.29                          .0800
            7.0000                         .0000
            6.7500                         .0000
            6.6700                         .0000
            6.0000                         .6700

      8017911                              .2500
      124,897.54                          .0800
            7.0000                         .0000
            6.7500                         .0000
            6.6700                         .0000
            6.0000                         .6700

      8017919                              .2500
      199,827.80                          .0800
            6.7500                         .0000
            6.5000                         .0000
            6.4200                         .0000
            6.0000                         .4200
1

      8018049                              .2500
      297,262.10                          .0800
            7.1250                         .0000
            6.8750                         .0000
            6.7950                         .0000
            6.0000                         .7950

      8018077                              .2500
      180,362.65                          .0800
            7.3750                         .0000
            7.1250                         .0000
            7.0450                         .0000
            6.0000                        1.0450

      8023305                              .2500
      239,595.58                          .0800
            6.8750                         .0000
            6.6250                         .0000
            6.5450                         .0000
            6.0000                         .5450

      8023375                              .2500
      199,679.17                          .0800
            7.1250                         .0000
            6.8750                         .0000
            6.7950                         .0000
            6.0000                         .7950

      8026973                              .2500
      249,568.29                          .0800
            6.7500                         .0000
            6.5000                         .0000
            6.4200                         .0000
            6.0000                         .4200

      8027765                              .2500
      162,185.24                          .0800
            6.8750                         .0000
            6.6250                         .0000
            6.5450                         .0000
            6.0000                         .5450

      8028375                              .2500
       78,691.18                          .0800
            6.8750                         .0000
            6.6250                         .0000
            6.5450                         .0000
            6.0000                         .5450

      8029897                              .2500
      116,751.83                          .0800
            6.8750                         .0000
            6.6250                         .0000
            6.5450                         .0000
            6.0000                         .5450
1

      8030169                              .2500
       71,143.06                          .0800
            7.1250                         .0000
            6.8750                         .0000
            6.7950                         .0000
            6.0000                         .7950

      8030695                              .2500
       75,085.20                          .0800
            7.3750                         .0000
            7.1250                         .0000
            7.0450                         .0000
            6.0000                        1.0450

      8031435                              .2500
       73,545.38                          .0800
            7.5000                         .0000
            7.2500                         .0000
            7.1700                         .0000
            6.0000                        1.1700

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      100,750.00                          .0800
            6.6250                         .0000
            6.3750                         .0000
            6.2950                         .0000
            6.0000                         .2950

      8168929                              .2500
       89,500.00                          .0800
            6.6250                         .0000
            6.3750                         .0000
            6.2950                         .0000
            6.0000                         .2950

      8169007                              .2500
       89,450.00                          .0800
            6.6250                         .0000
            6.3750                         .0000
            6.2950                         .0000
            6.0000                         .2950

      8169009                              .2500
      100,550.00                          .0800
            6.6250                         .0000
            6.3750                         .0000
            6.2950                         .0000
            6.0000                         .2950

      8169971                              .2500
       63,445.33                          .0800
            6.7500                         .0000
            6.5000                         .0000
            6.4200                         .0000
            6.0000                         .4200

      8170573                              .2500
       54,000.00                          .0800
            6.5000                         .0000
            6.2500                         .0000
            6.1700                         .0000
            6.0000                         .1700

      8178067                              .2500
      176,000.00                          .0800
            6.3750                         .0000
            6.1250                         .0000
            6.0450                         .0000
            6.0000                         .0450

      8179571                              .2500
      112,000.00                          .0800
            6.6250                         .0000
            6.3750                         .0000
            6.2950                         .0000
            6.0000                         .2950
1

      8179699                              .2500
      209,700.00                          .0800
            6.6250                         .0000
            6.3750                         .0000
            6.2950                         .0000
            6.0000                         .2950

      8179923                              .2500
      126,000.00                          .0800
            7.5000                         .0000
            7.2500                         .0000
            7.1700                         .0000
            6.0000                        1.1700

      8179979                              .2500
      300,000.00                          .0800
            6.8750                         .0000
            6.6250                         .0000
            6.5450                         .0000
            6.0000                         .5450

      8179983                              .2500
       54,925.00                          .0800
            6.7500                         .0000
            6.5000                         .0000
            6.4200                         .0000
            6.0000                         .4200

      8179993                              .2500
       60,000.00                          .0800
            6.3750                         .0000
            6.1250                         .0000
            6.0450                         .0000
            6.0000                         .0450

      8180049                              .2500
      149,013.00                          .0800
            7.0000                         .0000
            6.7500                         .0000
            6.6700                         .0000
            6.0000                         .6700

      8180051                              .2500
      188,000.00                          .0800
            6.5000                         .0000
            6.2500                         .0000
            6.1700                         .0000
            6.0000                         .1700

      8180155                              .2500
       62,000.00                          .0800
            6.7500                         .0000
            6.5000                         .0000
            6.4200                         .0000
            6.0000                         .4200
1

      8180157                              .2500
      106,000.00                          .0800
            6.3750                         .0000
            6.1250                         .0000
            6.0450                         .0000
            6.0000                         .0450

      8180175                              .2500
      176,000.00                          .0800
            6.5000                         .0000
            6.2500                         .0000
            6.1700                         .0000
            6.0000                         .1700

      8180341                              .2500
       98,000.00                          .0800
            7.2500                         .0000
            7.0000                         .0000
            6.9200                         .0000
            6.0000                         .9200

      8180575                              .2500
      147,250.00                          .0800
            6.3750                         .0000
            6.1250                         .0000
            6.0450                         .0000
            6.0000                         .0450

      8180583                              .2500
      115,650.00                          .0800
            7.5000                         .0000
            7.2500                         .0000
            7.1700                         .0000
            6.0000                        1.1700

      8184257                              .2500
       50,000.00                          .0800
            6.8750                         .0000
            6.6250                         .0000
            6.5450                         .0000
            6.0000                         .5450

      8184735                              .2500
       97,000.00                          .0800
            6.5000                         .0000
            6.2500                         .0000
            6.1700                         .0000
            6.0000                         .1700

      8190519                              .2500
      120,000.00                          .0800
            6.3750                         .0000
            6.1250                         .0000
            6.0450                         .0000
            6.0000                         .0450
1

      8191283                              .2500
      138,600.00                          .0800
            6.7500                         .0000
            6.5000                         .0000
            6.4200                         .0000
            6.0000                         .4200

      8192539                              .2500
      119,000.00                          .0300
            6.2500                         .0000
            6.0000                         .0000
            5.9700                         .0000
            5.9700                         .0000

      8326656                              .2500
      188,629.33                          .0800
            6.5000                         .0000
            6.2500                         .0000
            6.1700                         .0000
            6.0000                         .1700

      8327912                              .2500
      249,779.43                          .0800
            6.6250                         .0000
            6.3750                         .0000
            6.2950                         .0000
            6.0000                         .2950

      8328578                              .2500
       99,913.90                          .0800
            6.7500                         .0000
            6.5000                         .0000
            6.4200                         .0000
            6.0000                         .4200

      8329816                              .2500
       90,522.00                          .0800
            6.7500                         .0000
            6.5000                         .0000
            6.4200                         .0000
            6.0000                         .4200

      8330196                              .2500
       75,940.72                          .0800
            7.2500                         .0000
            7.0000                         .0000
            6.9200                         .0000
            6.0000                         .9200

      8330238                              .2500
      247,775.80                          .0800
            6.5000                         .0000
            6.2500                         .0000
            6.1700                         .0000
            6.0000                         .1700
1

      8330578                              .2500
      179,845.02                          .0800
            6.7500                         .0000
            6.5000                         .0000
            6.4200                         .0000
            6.0000                         .4200

      8331198                              .2500
       78,400.00                          .0800
            6.6250                         .0000
            6.3750                         .0000
            6.2950                         .0000
            6.0000                         .2950

      8331912                              .2500
      275,400.00                          .0800
            6.3750                         .0000
            6.1250                         .0000
            6.0450                         .0000
            6.0000                         .0450

      8332190                              .2500
      131,500.00                          .0800
            6.5000                         .0000
            6.2500                         .0000
            6.1700                         .0000
            6.0000                         .1700

      8332408                              .2500
      115,000.00                          .0300
            6.0000                         .0000
            5.7500                         .0000
            5.7200                         .0000
            5.7200                         .0000

  TOTAL NUMBER OF LOANS:     1443
  TOTAL BALANCE........:        208,505,153.05

  RUN ON     : 11/21/02            RFC DISCLOSURE SYSTEM      RFFSDFIX-01
  AT         : 08.20.07            INITIAL SECURITY FEES      AMORTIZED BALANCE
  SERIES     : RALI 2002-QS17 CONF  FIXED SUMMARY REPORT      CUTOFF : 11/01/02
  POOL       : 0004637
             :
             :
  POOL STATUS: F

                                   WEIGHTED AVERAGES      FROM         TO
  ---------------------------------------------------------------------------
  CURR NOTE RATE                        6.6858            5.8750      8.0000
  RFC NET RATE                          6.4358            5.6250      7.7500
  NET MTG RATE(INVSTR RATE)             6.3622            5.5950      7.6700
  POST STRIP RATE                       5.9876            5.5950      6.0000
  SUB SERV FEE                           .2500             .2500       .2500
  MSTR SERV FEE                          .0737             .0300        .0800
  ALL EXP                                .0000             .0000       .0000
  MISC EXP                               .0000             .0000       .0000
  SPREAD                                 .0000             .0000       .0000
  STRIP                                  .3745             .0000      1.6700

  TOTAL NUMBER OF LOANS:  1443
  TOTAL BALANCE........:     208,505,153.05

                             ***************************
                             *      END OF REPORT      *
                             ***************************
  RUN ON     : 11/21/02           RFC DISCLOSURE SYSTEM       RFFSD177-01
  AT         : 08.20.47          FIXED RATE LOAN LISTING      AMORTIZED BALANCE
  SERIES     : RALI 2002-QS17 CONFORMING                      CUTOFF : 11/01/02
  POOL       : 0004637
             :
             :
  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 #
  ______________________________________________________________________________

    7547535          286/286             F          250,000.00         ZZ
                                         360        248,318.00          1
                                       7.250          1,705.44         59
                                       7.000          1,705.44
    FREMONT          CA   94536          5            02/12/02         00
    0745045                              03           04/01/02          0
    745045                               N            03/01/32
    0

    7683347          975/G02             F          226,900.00         ZZ
                                         360        225,532.07          2
                                       7.500          1,586.52         80
                                       7.250          1,586.52
    LOS ANGELES      CA   90047          2            05/01/02         00
    0434083762                           05           07/01/02          0
    2021539                              O            06/01/32
    0

    7759671          E82/G02             F          117,000.00         ZZ
                                         360        116,640.60          3
                                       7.375            808.09         90
                                       7.125            808.09
    OGDEN            UT   84401          2            06/10/02         04
    0400633244                           05           08/01/02         25
    3992236                              N            07/01/32
    0

    7782627          964/G02             F          130,500.00         ZZ
                                         360        129,744.94          1
                                       6.875            857.29         90
                                       6.625            857.29
    FIFE             WA   98424          1            06/04/02         04
    0434196853                           05           08/01/02         25
1

    217529                               O            07/01/32
    0

    7786127          286/286             F           81,000.00         ZZ
                                         360         80,558.91          1
                                       6.875            532.11         73
                                       6.625            532.11
    LAS VEGAS        NV   89121          2            04/24/02         00
    781121                               05           06/01/02          0
    781121                               N            05/01/32
    0

    7786131          286/286             F           89,000.00         ZZ
                                         360         88,544.89          1
                                       6.875            584.67         79
                                       6.625            584.67
    LAS VEGAS        NV   89121          2            04/22/02         00
    779365                               05           06/01/02          0
    779365                               N            05/01/32
    0

    7786321          286/286             F           60,000.00         ZZ
                                         360         59,757.19          1
                                       7.125            404.24         62
                                       6.875            404.24
    YPSILANTI        MI   48198          2            05/22/02         00
    1292226                              05           07/01/02          0
    1292226                              O            06/01/32
    0

    7787189          286/286             F           67,000.00         ZZ
                                         360         66,673.71          1
                                       7.125            451.39         80
                                       6.875            451.39
    SAN BERNARDINO   CA   92404          2            04/25/02         00
    781453                               05           06/01/02          0
    781453                               N            05/01/32
    0

    7787211          286/286             F           50,000.00         ZZ
                                         360         49,756.51          1
                                       7.125            336.86         80
                                       6.875            336.86
    HEMET            CA   92543          1            04/05/02         00
    776599                               05           06/01/02          0
    776599                               N            05/01/32
    0

1

    7800467          E45/G02             F          128,000.00         ZZ
                                         360        127,293.91          1
                                       7.250            873.19         80
                                       7.000            873.19
    HIGHLAND         CA   92346          1            06/06/02         00
    0434207528                           03           08/01/02          0
    245060                               N            07/01/32
    0

    7826213          E47/G02             F           72,500.00         ZZ
                                         360         72,271.71          1
                                       7.250            494.58         36
                                       7.000            494.58
    CITRUS HEIGHTS   CA   95610          5            06/03/02         00
    0434279634                           05           08/01/02          0
    7333012242                           N            07/01/32
    0

    7842669          E22/G02             F          107,900.00         ZZ
                                         360        107,568.54          1
                                       7.375            745.24         85
                                       7.125            745.24
    MESA             AZ   85203          2            06/28/02         04
    0414065177                           09           08/01/02         20
    0414065177                           N            07/01/32
    0

    7863383          U05/G02             F          166,250.00         ZZ
                                         360        165,838.78          4
                                       7.000          1,106.07         95
                                       6.750          1,106.07
    WASILLA          AK   99654          1            07/02/02         11
    0434731238                           03           09/01/02         30
    3237270                              O            08/01/32
    0

    7871241          E22/G02             F          143,100.00         ZZ
                                         360        142,763.09          1
                                       7.250            976.19         90
                                       7.000            976.19
    MIAMI            FL   33161          1            07/19/02         04
    0414458828                           05           09/01/02         25
    0414458828                           O            08/01/32
    0

    7888643          E22/G02             F          285,000.00         ZZ
                                         360        284,259.74          1
                                       6.750          1,848.50         95
                                       6.500          1,848.50
1

    GIG HARBOR       WA   98332          1            07/19/02         04
    0414491282                           03           09/01/02         30
    0414491282                           O            08/01/32
    0

    7893855          U05/G02             F          241,500.00         ZZ
                                         360        240,887.84          1
                                       6.875          1,586.48         80
                                       6.625          1,586.48
    SALEM            OR   97304          2            07/15/02         00
    0434352787                           05           09/01/02          0
    3240949                              O            08/01/32
    0

    7909909          S48/S48             F          136,500.00         ZZ
                                         360        136,061.45          1
                                       7.250            931.18        100
                                       7.000            931.18
    LAS VEGAS        NV   89110          1            06/21/02         14
    6370326115                           03           08/01/02         35
    6370326115                           O            07/01/32
    0

    7921785          F36/G02             F           65,000.00         ZZ
                                         360         64,831.16          1
                                       6.750            421.59         71
                                       6.500            421.59
    LAKEWOOD         WA   98499          5            07/26/02         00
    0434407862                           05           09/01/02          0
    06505067                             N            08/01/32
    0

    7924287          E22/G02             F           97,800.00         ZZ
                                         360         97,563.97          1
                                       7.125            658.90         80
                                       6.875            658.90
    MIDWAY           GA   31320          1            07/26/02         00
    0414518704                           05           09/01/02          0
    0414518704                           O            08/01/32
    0

    7930411          964/G02             F          184,800.00         ZZ
                                         360        184,480.89          1
                                       6.750          1,198.61         70
                                       6.500          1,198.61
    AURORA           CO   80013          5            08/05/02         00
    0434735023                           03           10/01/02          0
    237788                               O            09/01/32
    0
1

    7936613          286/286             F          113,850.00         ZZ
                                         360        113,500.24          4
                                       7.375            786.34         90
                                       7.125            786.34
    SELAH            WA   98942          1            06/20/02         12
    1306920                              05           08/01/02         25
    1306920                              N            07/01/32
    0

    7937013          286/286             F           46,800.00         ZZ
                                         360         46,433.18          1
                                       6.875            307.45         90
                                       6.625            307.45
    ORANGE PARK      FL   32073          1            06/25/02         21
    1335277                              05           08/01/02         25
    1335277                              O            07/01/32
    0

    7937131          286/286             F           89,250.00         ZZ
                                         360         89,001.90          1
                                       7.875            647.12         75
                                       7.625            647.12
    SACRAMENTO       CA   95828          5            06/14/02         00
    801027                               05           08/01/02          0
    801027                               N            07/01/32
    0

    7937185          286/286             F          188,000.00         ZZ
                                         360        187,360.30          2
                                       6.875          1,235.03         80
                                       6.625          1,235.03
    LOS ANGELES      CA   90037          5            06/25/02         00
    805781                               05           08/01/02          0
    805781                               O            07/01/32
    0

    7937203          286/286             F          140,000.00         ZZ
                                         360        139,653.73          1
                                       7.000            931.42         73
                                       6.750            931.42
    LOS ANGELES      CA   90018          5            06/28/02         00
    806645                               05           09/01/02          0
    806645                               O            08/01/32
    0

    7940143          E22/G02             F          113,000.00         ZZ
                                         360        112,835.90          1
1

                                       7.625            799.81         85
                                       7.375            799.81
    SACRAMENTO       CA   95822          5            08/02/02         01
    0414592196                           05           10/01/02         12
    0414592196                           O            09/01/32
    0

    7941575          E57/G02             F          196,400.00         ZZ
                                         360        196,100.18          1
                                       7.375          1,356.49         80
                                       7.125          1,356.49
    FONTANA          CA   92335          1            07/31/02         00
    0434413555                           05           10/01/02          0
    06008856                             O            09/01/32
    0

    7944851          W02/G02             F           48,575.00         ZZ
                                         360         48,451.85          1
                                       6.875            319.11         69
                                       6.625            319.11
    JACKSONVILLE     FL   32221          2            07/31/02         00
    0434464988                           27           09/01/02          0
    1001338713                           O            08/01/32
    0

    7947387          E47/G02             F          116,800.00         ZZ
                                         360        116,531.73          1
                                       7.375            806.71         80
                                       7.125            806.71
    JACKSONVILLE BE  FL   32250          1            07/31/02         00
    0434726915                           05           09/01/02          0
    7361012703                           N            08/01/32
    0

    7949485          U05/G02             F           30,000.00         ZZ
                                         360         29,934.45          1
                                       7.625            212.34         27
                                       7.375            212.34
    MORENO VALLEY    CA   92551          1            07/23/02         00
    0434491023                           05           09/01/02          0
    3246049                              O            08/01/32
    0

    7952211          J95/G02             F           84,720.00         ZZ
                                         360         84,499.92          1
                                       6.750            549.50         80
                                       6.500            549.50
    MOUNTAIN HOME    ID   83647          1            07/22/02         00
    0434475166                           05           09/01/02          0
1

    0029563038                           O            08/01/32
    0

    7952927          477/G02             F          158,400.00         ZZ
                                         360        158,133.08          1
                                       6.875          1,040.58         80
                                       6.625          1,040.58
    CANBY            OR   97013          1            08/05/02         00
    0434457727                           05           10/01/02          0
    226028                               O            09/01/32
    0

    7954061          E22/G02             F          115,000.00         ZZ
                                         360        114,796.52          1
                                       6.625            736.36         58
                                       6.375            736.36
    MIAMI            FL   33142          2            08/12/02         00
    0414257410                           05           10/01/02          0
    0414257410                           O            09/01/32
    0

    7954147          E22/G02             F           64,500.00         ZZ
                                         360         64,408.65          1
                                       7.750            462.09         75
                                       7.500            462.09
    SANTA ANA        CA   92701          1            08/07/02         00
    0414526020                           01           10/01/02          0
    0414526020                           N            09/01/32
    0

    7954247          E22/G02             F          144,000.00         T
                                         360        143,751.34          1
                                       6.750            933.98         80
                                       6.500            933.98
    HOLLY            MI   48442          1            08/16/02         00
    0414626952                           05           10/01/02          0
    0414626952                           O            09/01/32
    0

    7954323          E22/G02             F           50,000.00         ZZ
                                         360         49,919.80          1
                                       7.125            336.86         80
                                       6.875            336.86
    WYOMING          MI   49548          1            08/16/02         00
    0414734129                           05           10/01/02          0
    0414734129                           O            09/01/32
    0

1

    7954953          E82/G02             F          107,300.00         ZZ
                                         360        107,132.08          1
                                       7.250            731.98         90
                                       7.000            731.98
    JERSEY CITY      NJ   07307          2            08/09/02         10
    0400645107                           01           10/01/02         25
    0400645107                           O            09/01/32
    0

    7954961          E82/G02             F          142,000.00         ZZ
                                         360        141,777.79          1
                                       7.250            968.69         95
                                       7.000            968.69
    HYATTSVILLE      MD   20784          2            08/09/02         10
    0400668877                           05           10/01/02         30
    3977056                              O            09/01/32
    0

    7955013          E82/G02             F          198,700.00         ZZ
                                         360        198,245.53          1
                                       6.750          1,288.76         85
                                       6.500          1,288.76
    AUDUBON          PA   19403          2            08/09/02         04
    0400669750                           05           10/01/02         12
    4788186                              O            09/01/32
    0

    7956269          940/G02             F           89,100.00         ZZ
                                         360         88,953.51          4
                                       7.000            592.78         90
                                       6.750            592.78
    BARSTOW          CA   92311          1            08/07/02         10
    0434466777                           05           10/01/02         30
    65020325                             N            09/01/32
    0

    7956301          477/G02             F           60,000.00         ZZ
                                         360         59,851.59          1
                                       7.000            399.18         80
                                       6.750            399.18
    MESA             AZ   85210          1            07/29/02         00
    0434473914                           01           09/01/02          0
    237744                               O            08/01/32
    0

    7956309          S11/G02             F          125,600.00         ZZ
                                         360        125,288.96          1
                                       7.000            835.62         80
                                       6.750            835.62
1

    RIVERSIDE        CA   92505          2            07/25/02         00
    0434464459                           05           09/01/02          0
    10208426                             O            08/01/32
    0

    7956691          B57/G02             F          175,100.00         ZZ
                                         360        174,797.63          1
                                       6.750          1,135.70         85
                                       6.500          1,135.70
    FONTANA          CA   92335          1            08/09/02         12
    0434464764                           05           10/01/02         25
    10003256                             O            09/01/32
    0

    7958335          U05/G02             F          108,000.00         ZZ
                                         360        107,739.35          1
                                       7.125            727.62         80
                                       6.875            727.62
    HEMET            CA   92544          1            07/03/02         00
    0434457669                           05           09/01/02          0
    3235632                              O            08/01/32
    0

    7959139          967/G02             F          172,000.00         ZZ
                                         360        171,736.41          1
                                       7.375          1,187.96         79
                                       7.125          1,187.96
    WOODBURN         OR   97071          2            08/01/02         00
    0434467320                           27           10/01/02          0
    5573720                              O            09/01/32
    0

    7959879          286/286             F          208,000.00         ZZ
                                         360        207,361.07          2
                                       7.375          1,436.60         80
                                       7.125          1,436.60
    FT LAUDERDALE    FL   33308          1            06/12/02         00
    1326909                              05           08/01/02          0
    1326909                              N            07/01/32
    0

    7959947          286/286             F          124,000.00         ZZ
                                         360        123,715.18          1
                                       7.375            856.44         80
                                       7.125            856.44
    NEW PORT RICHEY  FL   34652          1            07/11/02         00
    1385207                              05           09/01/02          0
    1385207                              N            08/01/32
    0
1

    7960075          286/286             F          130,000.00         ZZ
                                         360        129,564.72          4
                                       7.500            908.98         80
                                       7.250            908.98
    REDDING          CA   96002          1            06/17/02         00
    815053                               05           08/01/02          0
    815053                               N            07/01/32
    0

    7960083          286/286             F          124,000.00         ZZ
                                         360        123,700.72          1
                                       7.125            835.42         80
                                       6.875            835.42
    STOCKTON         CA   95205          1            07/11/02         00
    811333                               05           09/01/02          0
    811333                               N            08/01/32
    0

    7960145          286/286             F           65,000.00         ZZ
                                         360         64,810.00          1
                                       7.625            460.07         52
                                       7.375            460.07
    CITRUS HEIGHTS   CA   95621          5            06/05/02         00
    812998                               03           08/01/02          0
    812998                               N            07/01/32
    0

    7963463          286/286             F          275,000.00         ZZ
                                         360        274,048.51          1
                                       6.500          1,738.19         76
                                       6.250          1,738.19
    WAIPAHU          HI   96797          2            06/28/02         00
    1330460                              05           09/01/02          0
    1330460                              O            08/01/32
    0

    7963533          286/286             F          140,000.00         ZZ
                                         360        139,608.92          1
                                       6.375            873.42         90
                                       6.125            873.42
    LOMA LINDA       CA   92354          2            07/18/02         12
    1343972                              03           09/01/02         25
    1343972                              O            08/01/32
    0

    7963611          286/286             F          137,500.00         ZZ
                                         360        135,145.72          1
1

                                       6.875            903.28         79
                                       6.625            903.28
    SACRAMENTO       CA   95823          2            07/25/02         00
    1436423                              05           09/01/02          0
    1436423                              O            08/01/32
    0

    7963697          286/286             F           51,200.00         T
                                         360         51,062.27          1
                                       7.125            344.95         90
                                       6.875            344.95
    DAYTON           OH   45420          1            07/26/02         28
    1340568                              05           09/01/02         25
    1340568                              O            08/01/32
    0

    7963741          286/286             F          143,100.00         ZZ
                                         360        142,737.24          1
                                       6.875            940.07         80
                                       6.625            940.07
    DAYTON           OH   45414          1            07/10/02         00
    1356708                              05           09/01/02          0
    1356708                              O            08/01/32
    0

    7963893          286/286             F          230,000.00         ZZ
                                         360        229,402.57          1
                                       6.750          1,491.78         70
                                       6.500          1,491.78
    APPLE VALLEY     CA   92307          1            07/03/02         00
    808202                               05           09/01/02          0
    808202                               O            08/01/32
    0

    7964011          286/286             F          170,000.00         ZZ
                                         360        169,437.73          1
                                       7.000          1,131.01         85
                                       6.750          1,131.01
    RESEDA AREA      CA   91335          1            06/18/02         11
    803983                               01           08/01/02         12
    803983                               O            07/01/32
    0

    7964021          286/286             F          137,500.00         ZZ
                                         360        137,008.86          1
                                       7.375            949.68         80
                                       7.125            949.68
    RIVERSIDE        CA   92503          1            06/20/02         00
    805363                               05           08/01/02          0
1

    805363                               O            07/01/32
    0

    7964039          286/286             F          133,200.00         ZZ
                                         360        132,890.71          1
                                       7.500            931.36         90
                                       7.250            931.35
    MAYWOOD          CA   90270          1            07/11/02         11
    804809                               05           09/01/02         25
    804809                               O            08/01/32
    0

    7964835          286/286             F           87,000.00         ZZ
                                         360         86,751.99          1
                                       7.750            623.28         65
                                       7.500            623.28
    LOS ANGELES      CA   90001          5            06/20/02         00
    805549                               05           08/01/02          0
    805549                               N            07/01/32
    0

    7964839          286/286             F           75,000.00         ZZ
                                         360         74,763.82          1
                                       7.250            511.64         62
                                       7.000            511.64
    SALT LAKE CITY   UT   84118          5            06/19/02         00
    803358                               05           08/01/02          0
    803358                               N            07/01/32
    0

    7964847          286/286             F           82,550.00         ZZ
                                         360         82,206.25          1
                                       7.375            570.15         80
                                       7.125            570.15
    VICTORVILLE      CA   92392          1            06/19/02         00
    806022                               05           08/01/02          0
    806022                               N            07/01/32
    0

    7968985          U42/G02             F          133,200.00         ZZ
                                         360        132,991.55          2
                                       7.250            908.66         90
                                       7.000            908.66
    AUSTIN           TX   78745          2            08/16/02         14
    0434468427                           05           10/01/02         25
    10201313                             N            09/01/32
    0

1

    7969211          X67/G02             F           68,000.00         ZZ
                                         360         67,882.57          1
                                       6.750            441.05         80
                                       6.500            441.05
    HESPERIA         CA   92345          1            08/14/02         00
    0434468393                           05           10/01/02          0
    00268567                             N            09/01/32
    0

    7969745          F36/G02             F          131,760.00         ZZ
                                         360        131,526.87          1
                                       6.625            843.67         80
                                       6.375            843.67
    YAKIMA           WA   98908          1            08/12/02         00
    0434478558                           05           10/01/02          0
    06404989                             O            09/01/32
    0

    7978421          E22/G02             F           67,000.00         ZZ
                                         360         66,881.45          1
                                       6.625            429.01         94
                                       6.375            429.01
    BAKERSFIELD      CA   93309          2            08/14/02         11
    0414558502                           05           10/01/02         30
    0414558502                           O            09/01/32
    0

    7979091          E85/G02             F          110,000.00         ZZ
                                         360        109,800.58          1
                                       6.500            695.27         66
                                       6.250            695.27
    MCCLOUD          CA   96057          1            08/05/02         00
    0434825907                           05           10/01/02          0
    9614326                              N            09/01/32
    0

    7982203          E22/G02             F          187,960.00         ZZ
                                         360        187,515.53          1
                                       6.875          1,234.76         80
                                       6.625          1,234.76
    GIG HARBOR       WA   98332          1            08/16/02         00
    0414747139                           05           10/01/02          0
    0414747139                           O            09/01/32
    0

    7984639          G34/G02             F           63,200.00         ZZ
                                         360         63,101.09          1
                                       7.250            431.14         80
                                       7.000            431.14
1

    BEDFORD          TX   76022          1            08/20/02         00
    0434684262                           05           10/01/02          0
    85206304                             O            09/01/32
    0

    7985455          E22/G02             F           84,250.00         ZZ
                                         360         84,111.48          1
                                       7.000            560.52         53
                                       6.750            560.52
    SPANAWAY         WA   98387          2            08/19/02         00
    0414313098                           05           10/01/02          0
    0414313098                           N            09/01/32
    0

    7987577          E22/G02             F           76,000.00         ZZ
                                         360         75,871.93          1
                                       6.875            499.27         80
                                       6.625            499.27
    LARGO            FL   33777          5            08/23/02         00
    0414485714                           05           10/01/02          0
    0414485714                           O            09/01/32
    0

    7988507          E57/G02             F           75,000.00         ZZ
                                         360         74,882.64          1
                                       7.250            511.63         65
                                       7.000            511.63
    LAKE ELSINORE    CA   92530          5            08/09/02         00
    0434490611                           07           10/01/02          0
    06009056                             N            09/01/32
    0

    7988587          E57/G02             F           75,000.00         ZZ
                                         360         74,882.64          1
                                       7.250            511.63         64
                                       7.000            511.63
    LAKE ELSINORE    CA   92530          5            08/09/02         00
    0434500245                           05           10/01/02          0
    06008982                             N            09/01/32
    0

    7988627          144/144             F          112,500.00         ZZ
                                         360        112,276.98          4
                                       6.750            729.67         90
                                       6.500            729.67
    PORT JERVIS      NY   12771          1            08/19/02         14
    1                                    05           10/01/02         25
    1                                    N            09/01/32
    0
1

    7993281          E22/G02             F           99,200.00         ZZ
                                         360         99,032.85          1
                                       6.875            651.67         80
                                       6.625            651.67
    PALMDALE         CA   93550          2            08/22/02         00
    0414666552                           05           10/01/02          0
    0414666552                           O            09/01/32
    0

    7994091          E44/G02             F          103,200.00         ZZ
                                         360        103,017.40          1
                                       6.625            660.80         80
                                       6.375            660.80
    SALT LAKE CITY   UT   84118          1            08/15/02         00
    0434499091                           05           10/01/02          0
    59020037                             O            09/01/32
    0

    7995883          E22/G02             F           87,600.00         ZZ
                                         360         87,455.98          1
                                       7.000            582.80         80
                                       6.750            582.80
    SACRAMENTO       CA   95817          2            08/27/02         00
    0414634972                           05           10/01/02          0
    0414634972                           N            09/01/32
    0

    7996169          E22/G02             F          164,000.00         ZZ
                                         360        163,709.82          1
                                       6.625          1,050.11         80
                                       6.375          1,050.11
    DALLAS           TX   75287          5            08/26/02         00
    0414785501                           05           10/01/02          0
    0414785501                           O            09/01/32
    0

    7996223          E22/G02             F           80,250.00         ZZ
                                         360         80,127.49          1
                                       7.375            554.27         75
                                       7.125            554.27
    GARLAND          TX   75043          5            08/30/02         00
    0414815530                           05           10/01/02          0
    0414815530                           N            09/01/32
    0

    7996227          E22/G02             F           65,250.00         ZZ
                                         360         65,150.39          1
1

                                       7.375            450.67         75
                                       7.125            450.67
    MESQUITE         TX   75149          5            08/30/02         00
    0414815670                           05           10/01/02          0
    0414815670                           N            09/01/32
    0

    7997547          U05/G02             F          127,750.00         ZZ
                                         360        127,554.98          2
                                       7.375            882.34         90
                                       7.125            882.34
    PORTLAND         OR   97213          1            08/19/02         40
    0434819769                           05           10/01/02         25
    3225468                              N            09/01/32
    0

    7997589          X60/G02             F          116,000.00         ZZ
                                         360        115,809.28          1
                                       7.000            771.75         80
                                       6.750            771.75
    SEDRO WOOLLEY    WA   98284          1            08/26/02         00
    0434508842                           05           10/01/02          0
    10208048                             O            09/01/32
    0

    8005027          X67/G02             F          112,000.00         ZZ
                                         360        111,801.82          1
                                       6.625            717.15         38
                                       6.375            717.15
    CORONA AREA      CA   92882          1            08/23/02         00
    0434601530                           05           10/01/02          0
    00269166                             O            09/01/32
    0

    8005051          U05/G02             F          235,000.00         ZZ
                                         360        234,594.20          1
                                       6.750          1,524.21         73
                                       6.500          1,524.21
    YACOLT           WA   98675          2            08/16/02         00
    0434505392                           05           10/01/02          0
    3254563                              O            09/01/32
    0

    8005315          E22/G02             F           50,400.00         ZZ
                                         360         50,356.61          1
                                       6.750            326.89         78
                                       6.500            326.89
    KANSAS CITY      MO   64127          2            09/04/02         00
    0414844035                           05           11/01/02          0
1

    0414844035                           N            10/01/32
    0

    8009525          E22/G02             F          112,000.00         ZZ
                                         360        111,811.28          1
                                       6.875            735.76         59
                                       6.625            735.76
    ALLEN            TX   75013          5            08/30/02         00
    0414711911                           03           10/01/02          0
    0414711911                           O            09/01/32
    0

    8014255          624/G02             F          134,900.00         ZZ
                                         360        134,566.34          1
                                       7.000            897.49         90
                                       6.750            897.49
    SAN JACINTO      CA   92582          1            07/25/02         04
    0434594792                           05           09/01/02         25
    1000005671                           O            08/01/32
    0

    8015421          624/G02             F          144,000.00         ZZ
                                         360        143,751.34          1
                                       6.750            933.98         80
                                       6.500            933.98
    HESPERIA         CA   92345          2            08/20/02         00
    0434569471                           05           10/01/02          0
    1000005968                           O            09/01/32
    0

    8015503          950/G02             F           37,512.00         ZZ
                                         360         37,453.30          1
                                       7.250            255.90         76
                                       7.000            255.90
    BREMERTON        WA   98310          1            08/15/02         00
    0434688669                           01           10/01/02          0
    EW207269                             O            09/01/32
    0

    8015773          U05/G02             F          184,000.00         ZZ
                                         360        183,712.07          1
                                       7.250          1,255.20         80
                                       7.000          1,255.20
    AUSTIN           TX   78749          5            08/14/02         00
    0434666764                           05           10/01/02          0
    3249795                              O            09/01/32
    0

1

    8017317          S27/G02             F           59,000.00         ZZ
                                         360         58,898.11          1
                                       6.750            382.68         71
                                       6.500            382.68
    LEHIGH ACRES     FL   33936          5            08/30/02         00
    0434585196                           05           10/01/02          0
    1010022488                           N            09/01/32
    0

    8017631          S27/G02             F          106,250.00         ZZ
                                         360        106,075.29          1
                                       7.000            706.89         84
                                       6.750            706.89
    OXON HILLS       MD   20745          5            08/27/02         01
    0434651873                           05           10/01/02         25
    1020004382                           O            09/01/32
    0

    8017911          E22/G02             F          125,000.00         ZZ
                                         360        124,897.54          1
                                       7.000            831.63         95
                                       6.750            831.63
    WEST VALLEY CIT  UT   84120          2            08/29/02         01
    0414654392                           05           11/01/02         25
    0414654392                           O            10/01/32
    0

    8017919          E22/G02             F          200,000.00         ZZ
                                         360        199,827.80          1
                                       6.750          1,297.20         80
                                       6.500          1,297.20
    AUSTIN           TX   78759          5            08/30/02         00
    0414665521                           05           11/01/02          0
    0414665521                           O            10/01/32
    0

    8018049          E22/G02             F          297,500.00         ZZ
                                         360        297,262.10          4
                                       7.125          2,004.31         70
                                       6.875          2,004.31
    CHICAGO          IL   60645          2            09/09/02         00
    0414784587                           05           11/01/02          0
    0414784587                           N            10/01/32
    0

    8018077          E22/G02             F          180,500.00         ZZ
                                         360        180,362.65          1
                                       7.375          1,246.67         95
                                       7.125          1,246.67
1

    TAMPA            FL   33626          5            09/03/02         04
    0414806133                           03           11/01/02         30
    0414806133                           O            10/01/32
    0

    8023305          X31/G02             F          240,000.00         ZZ
                                         360        239,595.58          2
                                       6.875          1,576.63         80
                                       6.625          1,576.63
    DOWNEY           CA   90241          2            08/16/02         00
    0434602389                           05           10/01/02          0
    40102858                             O            09/01/32
    0

    8023375          W93/G02             F          200,000.00         ZZ
                                         360        199,679.17          1
                                       7.125          1,347.44         80
                                       6.875          1,347.44
    NORWALK          CA   90650          1            08/22/02         00
    0434582292                           05           10/01/02          0
    01387147                             O            09/01/32
    0

    8026973          S11/G02             F          250,000.00         ZZ
                                         360        249,568.29          1
                                       6.750          1,621.50         79
                                       6.500          1,621.50
    PERRIS           CA   92570          5            08/29/02         00
    0434569604                           03           10/01/02          0
    10208982                             O            09/01/32
    0

    8027765          M24/G02             F          162,459.00         ZZ
                                         360        162,185.24          1
                                       6.875          1,067.24         80
                                       6.625          1,067.24
    LAS VEGAS        NV   89141          1            08/23/02         00
    0434769113                           03           10/01/02          0
    201104327                            N            09/01/32
    0

    8028375          E45/G02             F           79,000.00         ZZ
                                         240         78,691.18          1
                                       6.875            606.57         42
                                       6.625            606.57
    CANTONMENT       FL   32533          5            08/21/02         00
    0434593174                           05           10/01/02          0
    271600                               O            09/01/22
    0
1

    8029897          E22/G02             F          116,850.00         ZZ
                                         360        116,751.83          1
                                       6.875            767.62         95
                                       6.625            767.62
    CHESAPEAKE       VA   23321          2            09/05/02         04
    0414277780                           07           11/01/02         30
    0414277780                           O            10/01/32
    0

    8030169          E22/G02             F           71,200.00         ZZ
                                         360         71,143.06          1
                                       7.125            479.69         80
                                       6.875            479.69
    MIRAMAR          FL   33023          1            09/11/02         00
    0414878991                           05           11/01/02          0
    0414847046                           N            10/01/32
    0

    8030695          E45/G02             F           75,200.00         ZZ
                                         360         75,085.20          1
                                       7.375            519.39         80
                                       7.125            519.39
    GULFPORT         FL   33707          1            08/23/02         00
    0434580130                           05           10/01/02          0
    266445                               O            09/01/32
    0

    8031435          F89/G02             F           73,600.00         ZZ
                                         360         73,545.38          1
                                       7.500            514.62         80
                                       7.250            514.62
    LANCASTER        CA   93534          1            09/10/02         00
    0434568671                           05           11/01/02          0
    10623068                             N            10/01/32
    0

    8031713          950/G02             F          125,000.00         ZZ
                                         360        124,804.39          2
                                       7.250            852.72         72
                                       7.000            852.72
    TACOMA           WA   98408          5            08/20/02         00
    0434584306                           05           10/01/02          0
    E1207205                             N            09/01/32
    0

    8033681          U05/G02             F          194,000.00         ZZ
                                         360        193,665.00          1
1

                                       6.750          1,258.28         80
                                       6.500          1,258.28
    SOUTH LAKE TAHO  CA   96150          1            08/24/02         00
    0434538559                           05           10/01/02          0
    3255327                              O            09/01/32
    0

    8034211          601/G02             F          185,000.00         ZZ
                                         360        184,664.60          1
                                       6.500          1,169.33         47
                                       6.250          1,169.33
    ALICO VIEJO      CA   92656          5            08/06/02         00
    0434612487                           03           10/01/02          0
    6158251                              O            09/01/32
    0

    8034301          601/G02             F           86,400.00         T
                                         360         86,254.40          1
                                       6.875            567.59         80
                                       6.625            567.59
    DAYTONA BEACH    FL   32118          1            08/08/02         00
    0434596698                           06           10/01/02          0
    6157668                              O            09/01/32
    0

    8035509          Q57/G02             F           72,090.00         ZZ
                                         360         71,558.57          1
                                       7.000            479.62         90
                                       6.750            479.62
    LANCASTER        CA   93534          1            08/28/02         10
    0434614202                           05           10/01/02         25
    52700004                             N            09/01/32
    0

    8035565          601/G02             F           67,500.00         ZZ
                                         360         67,328.89          1
                                       6.875            443.43         87
                                       6.625            443.43
    KANSAS CITY      KS   66104          2            07/19/02         11
    0434600052                           05           09/01/02         25
    61582375                             O            08/01/32
    0

    8035635          601/G02             F          165,500.00         ZZ
                                         360        165,221.12          1
                                       6.875          1,087.22         79
                                       6.625          1,087.22
    CHICAGO          IL   60634          2            08/15/02         00
    0434599734                           05           10/01/02          0
1

    61727830                             O            09/01/32
    0

    8035637          601/G02             F          190,370.00         ZZ
                                         360        190,049.21          1
                                       6.875          1,250.60         85
                                       6.625          1,250.60
    CHESTERFIELD     VA   23832          1            08/20/02         14
    0434599106                           05           10/01/02         12
    61473211                             O            09/01/32
    0

    8035703          601/G02             F          193,600.00         ZZ
                                         360        193,273.76          1
                                       6.875          1,271.82         80
                                       6.625          1,271.82
    BRADENTON        FL   34208          5            08/14/02         00
    0434597373                           05           10/01/02          0
    61761789                             O            09/01/32
    0

    8035713          601/G02             F          118,450.00         ZZ
                                         360        118,245.47          1
                                       6.750            768.26         79
                                       6.500            768.26
    OREM             UT   84097          5            08/15/02         00
    0434593869                           05           10/01/02          0
    61736518                             O            09/01/32
    0

    8036575          E22/G02             F           66,000.00         ZZ
                                         360         65,944.56          1
                                       6.875            433.57         80
                                       6.625            433.57
    DUNDALK          MD   21222          2            09/13/02         00
    0414678722                           07           11/01/02          0
    0414678722                           N            10/01/32
    0

    8036593          E22/G02             F          115,500.00         ZZ
                                         360        115,402.97          1
                                       6.875            758.75         82
                                       6.625            758.75
    COLLINSVILLE     TX   76233          2            09/06/02         04
    0414706507                           05           11/01/02         12
    0414706507                           O            10/01/32
    0

1

    8036611          E22/G02             F           87,000.00         ZZ
                                         240         86,822.60          1
                                       6.500            648.65         67
                                       6.250            648.65
    ACWORTH          GA   30102          5            09/09/02         00
    0414725218                           05           11/01/02          0
    0414725218                           O            10/01/22
    0

    8036625          E22/G02             F           42,750.00         ZZ
                                         360         42,721.32          1
                                       8.000            313.68         75
                                       7.750            313.68
    TIPTON           CA   93272          5            09/05/02         00
    0414753384                           05           11/01/02          0
    0414753384                           N            10/01/32
    0

    8039389          E57/G02             F          136,000.00         ZZ
                                         360        135,759.36          1
                                       6.625            870.82         80
                                       6.375            870.82
    INGLEWOOD        CA   90302          5            08/27/02         00
    0434627121                           05           10/01/02          0
    06009180                             O            09/01/32
    0

    8039481          601/G02             F          201,400.00         ZZ
                                         360        201,084.81          1
                                       7.250          1,373.91         90
                                       7.000          1,373.91
    PORT ORANGE      FL   32127          1            08/16/02         11
    0434612818                           05           10/01/02         17
    61785986                             O            09/01/32
    0

    8039611          601/G02             F          176,000.00         ZZ
                                         360        175,710.62          4
                                       7.000          1,170.94         80
                                       6.750          1,170.94
    TAMPA            FL   33614          1            08/05/02         00
    0434593109                           05           10/01/02          0
    61536793                             O            09/01/32
    0

    8039627          601/G02             F          184,000.00         ZZ
                                         360        183,544.87          1
                                       7.000          1,224.16         80
                                       6.750          1,224.16
1

    LAS VEGAS        NV   89130          5            07/26/02         00
    0434600516                           03           09/01/02          0
    61467676                             O            08/01/32
    0

    8039675          601/G02             F          115,200.00         ZZ
                                         360        115,005.87          1
                                       6.875            756.79         80
                                       6.625            756.79
    INGLESIDE        IL   60041          5            07/29/02         00
    0434594503                           05           10/01/02          0
    61438685                             O            09/01/32
    0

    8039679          601/G02             F          140,000.00         ZZ
                                         360        139,636.34          1
                                       6.750            908.04         67
                                       6.500            908.04
    KIRKWOOD         MO   63122          1            08/08/02         00
    0434600219                           05           09/01/02          0
    61719266                             O            08/01/32
    0

    8039711          601/G02             F          123,000.00         ZZ
                                         360        122,570.49          1
                                       6.375            767.36         76
                                       6.125            767.36
    TERRELL          TX   75160          1            08/29/02         00
    0434594198                           05           10/01/02          0
    61803292                             O            09/01/32
    0

    8040453          E22/G02             F          103,000.00         ZZ
                                         360        102,913.46          1
                                       6.875            676.64         73
                                       6.625            676.64
    MATTESON         IL   60443          2            09/11/02         00
    0414761247                           05           11/01/02          0
    0414761247                           O            10/01/32
    0

    8040627          E22/G02             F           91,200.00         ZZ
                                         360         91,125.25          1
                                       7.250            622.14         80
                                       7.000            622.14
    ASHEVILLE        NC   28806          2            09/16/02         00
    0414901942                           27           11/01/02          0
    0414901942                           O            10/01/32
    0
1

    8041183          G27/G02             F           80,000.00         ZZ
                                         360         79,940.63          1
                                       7.500            559.37         52
                                       7.250            559.37
    BAKERSFIELD      CA   93313          5            09/09/02         00
    0434617585                           05           11/01/02          0
    20302279                             O            10/01/32
    0

    8041911          U05/G02             F          212,000.00         ZZ
                                         360        211,624.88          1
                                       6.625          1,357.46         80
                                       6.375          1,357.46
    MURPHY           TX   75094          5            09/04/02         00
    0434664314                           09           10/01/02          0
    3251558                              O            09/01/32
    0

    8042521          601/G02             F          175,500.00         ZZ
                                         360        175,348.90          1
                                       6.750          1,138.29         90
                                       6.500          1,138.29
    SUGAR GROVE      IL   60554          1            09/05/02         10
    0434587366                           05           11/01/02         25
    61845640                             O            10/01/32
    0

    8042657          601/G02             F          185,000.00         ZZ
                                         360        184,507.61          1
                                       6.625          1,184.58         27
                                       6.375          1,184.58
    MONUMENT         CO   80132          5            08/02/02         00
    0434591616                           03           09/01/02          0
    61699799                             O            08/01/32
    0

    8042709          601/G02             F          115,200.00         ZZ
                                         360        114,996.16          3
                                       6.625            737.64         80
                                       6.375            737.64
    BRISTOL          CT   06010          1            08/09/02         00
    0434598835                           05           10/01/02          0
    61707436                             O            09/01/32
    0

    8042793          601/G02             F          108,000.00         ZZ
                                         360        106,816.59          1
1

                                       7.000            718.53         80
                                       6.750            718.53
    BELLE FOURCHE    SD   57717          1            08/16/02         00
    0434591533                           27           10/01/02          0
    61685459                             O            09/01/32
    0

    8042829          601/G02             F          164,200.00         ZZ
                                         360        163,783.77          1
                                       6.875          1,078.68         80
                                       6.625          1,078.68
    SIOUX FALLS      SD   57108          1            07/31/02         00
    0434587572                           05           09/01/02          0
    61702502                             O            08/01/32
    0

    8042851          601/G02             F          168,000.00         ZZ
                                         360        167,563.61          1
                                       6.750          1,089.65         80
                                       6.500          1,089.65
    FT LAUDERDALE    FL   33331          2            07/30/02         00
    0434586350                           03           09/01/02          0
    61672184                             O            08/01/32
    0

    8043395          601/G02             F           70,400.00         ZZ
                                         360         70,269.23          1
                                       6.375            439.21         80
                                       6.125            439.21
    SAN ANTONIO      TX   78212          1            08/23/02         00
    0434596458                           05           10/01/02          0
    61566949                             O            09/01/32
    0

    8044039          W93/G02             F          175,000.00         ZZ
                                         360        174,705.10          1
                                       6.875          1,149.63         74
                                       6.625          1,149.63
    SALINAS          CA   93905          5            08/22/02         00
    0434625166                           05           10/01/02          0
    20380834                             O            09/01/32
    0

    8044173          W93/G02             F          208,000.00         ZZ
                                         360        207,674.50          1
                                       7.250          1,418.93         80
                                       7.000          1,418.93
    OXNARD           CA   93035          5            08/22/02         00
    0434622262                           05           10/01/02          0
1

    25365400                             O            09/01/32
    0

    8044175          W93/G02             F          190,000.00         ZZ
                                         360        189,671.90          1
                                       6.750          1,232.34         72
                                       6.500          1,232.34
    SANTA CLARITA    CA   91354          5            08/22/02         00
    0434625877                           05           10/01/02          0
    25365426                             O            09/01/32
    0

    8044177          W93/G02             F          208,000.00         ZZ
                                         360        207,647.50          1
                                       6.875          1,366.42         76
                                       6.625          1,366.42
    SAN DIEGO        CA   92139          5            08/21/02         00
    0434648705                           09           10/01/02          0
    28395929                             O            09/01/32
    0

    8044187          W93/G02             F          212,000.00         ZZ
                                         360        211,633.91          1
                                       6.750          1,375.03         80
                                       6.500          1,375.03
    SAN DIEGO        CA   92126          5            08/29/02         00
    0434630646                           05           10/01/02          0
    28396515                             O            09/01/32
    0

    8044267          W93/G02             F          140,000.00         T
                                         360        139,780.90          1
                                       7.250            955.05         70
                                       7.000            955.05
    ROCKAWAY BEACH   OR   97136          5            08/07/02         00
    0434622783                           05           10/01/02          0
    82372880                             O            09/01/32
    0

    8044735          601/G02             F          233,600.00         T
                                         360        233,007.85          1
                                       6.875          1,534.59         80
                                       6.625          1,534.59
    CHICAGO          IL   60605          1            08/01/02         00
    0434599767                           08           09/01/02          0
    61678240                             O            08/01/32
    0

1

    8044751          601/G02             F          180,000.00         ZZ
                                         360        179,532.44          1
                                       6.750          1,167.48         80
                                       6.500          1,167.48
    PAGOSA SPRINGS   CO   81147          1            07/30/02         00
    0434613014                           05           09/01/02          0
    61682688                             O            08/01/32
    0

    8044995          E22/G02             F           90,000.00         ZZ
                                         360         89,926.23          1
                                       7.000            598.77         95
                                       6.750            598.77
    GREENACRES       FL   33463          5            09/12/02         04
    0414782474                           09           11/01/02         30
    0414782474                           O            10/01/32
    0

    8045271          E57/G02             F          138,000.00         ZZ
                                         360        137,878.24          1
                                       6.625            883.63         79
                                       6.375            883.63
    DIAMOND BAR      CA   91765          5            09/05/02         00
    0434653176                           01           11/01/02          0
    06009401                             O            10/01/32
    0

    8045761          U05/G02             F          136,000.00         ZZ
                                         360        135,753.45          1
                                       6.500            859.61         80
                                       6.250            859.61
    GRESHAM          OR   97080          1            08/29/02         00
    0434632089                           05           10/01/02          0
    3256228                              O            09/01/32
    0

    8045983          N47/G02             F          172,800.00         ZZ
                                         360        172,647.54          1
                                       6.625          1,106.46         80
                                       6.375          1,106.46
    SACRAMENTO       CA   95833          2            09/03/02         00
    0434618542                           05           11/01/02          0
    30122206                             O            10/01/32
    0

    8046415          967/G02             F          136,000.00         ZZ
                                         360        135,874.04          1
                                       6.375            848.46         80
                                       6.125            848.46
1

    TACOMA           WA   98446          2            09/05/02         00
    0434619649                           05           11/01/02          0
    5655055                              O            10/01/32
    0

    8046867          477/G02             F          178,100.00         ZZ
                                         360        177,792.46          1
                                       6.750          1,155.15         95
                                       6.500          1,155.15
    BAKERSFIELD      CA   93313          1            08/26/02         10
    0434614277                           05           10/01/02         30
    218036                               O            09/01/32
    0

    8048157          E22/G02             F          126,400.00         ZZ
                                         360        126,301.40          2
                                       7.250            862.27         80
                                       7.000            862.27
    ANDERSON         SC   29625          5            09/13/02         00
    0414823377                           05           11/01/02          0
    0414823377                           O            10/01/32
    0

    8048185          E22/G02             F          199,700.00         ZZ
                                         360        199,523.81          1
                                       6.625          1,278.70         80
                                       6.375          1,278.70
    ALEDO            TX   76008          5            09/13/02         00
    0414843649                           05           11/01/02          0
    0414843649                           O            10/01/32
    0

    8048199          E22/G02             F          175,000.00         ZZ
                                         360        174,852.97          1
                                       6.875          1,149.63         78
                                       6.625          1,149.63
    VALLEJO          CA   94590          5            09/06/02         00
    0414859553                           05           11/01/02          0
    0414859553                           O            10/01/32
    0

    8048269          E22/G02             F          121,000.00         ZZ
                                         360        120,890.62          1
                                       6.500            764.80         95
                                       6.250            764.80
    KNOXVILLE        TN   37914          1            09/18/02         10
    0414952598                           05           11/01/02         30
    0414952598                           O            10/01/32
    0
1

    8048329          E22/G02             F           59,200.00         ZZ
                                         360         59,149.03          1
                                       6.750            383.97         48
                                       6.500            383.97
    MADISON HEIGHTS  MI   48071          2            09/18/02         00
    0414583765                           05           11/01/02          0
    0414583765                           N            10/01/32
    0

    8048363          E22/G02             F           64,500.00         ZZ
                                         360         64,440.26          1
                                       6.375            402.40         76
                                       6.125            402.40
    SACRAMENTO       CA   95838          2            09/08/02         00
    0414675876                           05           11/01/02          0
    0414675876                           O            10/01/32
    0

    8049777          N74/G02             F          122,000.00         ZZ
                                         360        121,887.01          1
                                       6.375            761.12         88
                                       6.125            761.12
    JAMESTOWN        NC   27282          5            09/13/02         10
    0434656484                           05           11/01/02         25
    0030724010                           O            10/01/32
    0

    8049813          N74/G02             F          289,750.00         ZZ
                                         360        289,506.58          1
                                       6.875          1,903.45         95
                                       6.625          1,903.45
    GREENSBORO       NC   27407          1            09/18/02         10
    0434632451                           05           11/01/02         30
    0030741010                           O            10/01/32
    0

    8049817          W02/G02             F           65,000.00         ZZ
                                         360         64,942.64          1
                                       6.625            416.21         70
                                       6.375            416.21
    CAPE CANAVERAL   FL   32920          5            09/05/02         00
    0434657953                           01           11/01/02          0
    1001420320                           O            10/01/32
    0

    8050187          W93/G02             F          186,000.00         ZZ
                                         360        185,831.85          1
1

                                       6.500          1,175.65         80
                                       6.250          1,175.65
    PHOENIX          AZ   85048          1            09/12/02         00
    0434615415                           05           11/01/02          0
    35404791                             O            10/01/32
    0

    8050437          950/G02             F          173,116.00         ZZ
                                         360        172,824.29          1
                                       6.875          1,137.25         80
                                       6.625          1,137.25
    REDDING          CA   96001          1            08/14/02         00
    0434652160                           05           10/01/02          0
    A5109026                             O            09/01/32
    0

    8050575          E47/G02             F           40,000.00         ZZ
                                         360         39,966.40          1
                                       6.875            262.77         50
                                       6.625            262.77
    OAK PARK         MI   48237          5            09/04/02         00
    0434638417                           05           11/01/02          0
    7360514014                           O            10/01/32
    0

    8052065          A35/G02             F          212,800.00         ZZ
                                         360        212,616.78          1
                                       6.750          1,380.22         80
                                       6.500          1,380.22
    HENDERSON        NV   89052          5            09/10/02         00
    0434666830                           03           11/01/02          0
    00841                                O            10/01/32
    0

    8053015          E86/G02             F           84,000.00         ZZ
                                         360         83,939.20          1
                                       7.625            594.55         80
                                       7.375            594.55
    VAN NUYS         CA   91405          5            09/12/02         00
    0434643060                           01           11/01/02          0
    0000208014                           O            10/01/32
    0

    8053485          E22/G02             F          191,900.00         ZZ
                                         360        191,734.78          1
                                       6.750          1,244.66         80
                                       6.500          1,244.66
    HOOKSETT         NH   03106          1            09/20/02         00
    0414696716                           05           11/01/02          0
1

    0414696716                           O            10/01/32
    0

    8053505          E22/G02             F          154,500.00         ZZ
                                         360        154,373.36          1
                                       7.000          1,027.89         80
                                       6.750          1,027.89
    NAPERVILLE       IL   60564          5            09/16/02         00
    0414743260                           09           11/01/02          0
    0414743260                           O            10/01/32
    0

    8053523          E22/G02             F          185,250.00         ZZ
                                         360        185,090.50          1
                                       6.750          1,201.53         95
                                       6.500          1,201.53
    WIGGINS          CO   80654          2            09/16/02         04
    0414765354                           05           11/01/02         30
    0414765354                           O            10/01/32
    0

    8053679          E22/G02             F          189,604.00         ZZ
                                         360        189,428.39          1
                                       6.375          1,182.88         80
                                       6.125          1,182.88
    LITTLETON        CO   80125          1            09/20/02         00
    0414914986                           03           11/01/02          0
    0414914986                           O            10/01/32
    0

    8054849          940/G02             F          102,500.00         ZZ
                                         360        102,411.75          1
                                       6.750            664.81         63
                                       6.500            664.81
    RIALTO           CA   92377          2            09/13/02         00
    0434647269                           05           11/01/02          0
    40020855                             O            10/01/32
    0

    8057019          E22/G02             F          182,000.00         ZZ
                                         360        181,847.10          1
                                       6.875          1,195.61         81
                                       6.625          1,195.61
    DAVENPORT        IA   52802          5            09/18/02         04
    0414963926                           05           11/01/02         12
    0414963926                           O            10/01/32
    0

1

    8057027          E22/G02             F           61,400.00         ZZ
                                         360         61,344.49          1
                                       6.500            388.09         68
                                       6.250            388.09
    LONE GROVE       OK   73443          4            09/23/02         00
    0414990895                           05           11/01/02          0
    0414990895                           O            10/01/32
    0

    8057093          E22/G02             F           66,725.00         ZZ
                                         360         66,668.94          1
                                       6.875            438.34         85
                                       6.625            438.34
    BRADFORD         IL   61421          5            09/17/02         04
    0414611608                           05           11/01/02         12
    0414611608                           O            10/01/32
    0

    8057181          E22/G02             F          197,000.00         ZZ
                                         360        196,821.91          1
                                       6.500          1,245.17         75
                                       6.250          1,245.17
    CINCINNATI       OH   45208          5            09/17/02         00
    0414771683                           05           11/01/02          0
    0414771683                           O            10/01/32
    0

    8057247          E22/G02             F          165,750.00         ZZ
                                         360        165,623.88          1
                                       7.375          1,144.79         85
                                       7.125          1,144.79
    SARASOTA         FL   34240          5            09/18/02         04
    0414848119                           03           11/01/02         12
    0414848119                           O            10/01/32
    0

    8057283          E22/G02             F          144,000.00         ZZ
                                         360        143,876.02          1
                                       6.750            933.98         80
                                       6.500            933.98
    MIAMI            FL   33133          1            09/23/02         00
    0414867390                           06           11/01/02          0
    0414867390                           O            10/01/32
    0

    8057299          E22/G02             F          284,500.00         ZZ
                                         360        284,260.99          1
                                       6.875          1,868.96         84
                                       6.625          1,868.96
1

    COLORADO SPRING  CO   80921          5            09/18/02         04
    0414885145                           03           11/01/02          6
    0414885145                           O            10/01/32
    0

    8057301          E22/G02             F          173,565.00         ZZ
                                         360        173,415.56          1
                                       6.750          1,125.74         95
                                       6.500          1,125.74
    ARLINGTON        TX   76013          1            09/23/02         04
    0414886861                           05           11/01/02         35
    0414886861                           O            10/01/32
    0

    8057303          E22/G02             F          185,250.00         ZZ
                                         360        185,098.16          1
                                       7.000          1,232.47         95
                                       6.750          1,232.47
    FOX LAKE         IL   60020          5            09/17/02         11
    0414888008                           05           11/01/02         30
    0414888008                           O            10/01/32
    0

    8057319          E22/G02             F          178,000.00         ZZ
                                         360        177,826.99          1
                                       6.125          1,081.55         79
                                       5.875          1,081.55
    BIRMINGHAM       AL   35216          5            09/18/02         00
    0414898866                           05           11/01/02          0
    0414898866                           O            10/01/32
    0

    8057339          E22/G02             F           88,400.00         ZZ
                                         360         88,332.73          1
                                       7.375            610.56         85
                                       7.125            610.56
    FESTUS           MO   63028          5            09/17/02         04
    0414911529                           05           11/01/02         12
    0414911529                           O            10/01/32
    0

    8057345          E22/G02             F          144,000.00         ZZ
                                         360        143,869.82          1
                                       6.500            910.18         80
                                       6.250            910.18
    NEPTUNE          NJ   07753          5            09/18/02         00
    0414915702                           01           11/01/02          0
    0414915702                           O            10/01/32
    0
1

    8057497          E45/G02             F          273,700.00         ZZ
                                         360        273,458.52          1
                                       6.625          1,752.53         85
                                       6.375          1,752.53
    LILBURN          GA   30047          5            08/30/02         11
    0434639498                           03           11/01/02         17
    278094                               O            10/01/32
    0

    8057939          E47/G02             F          172,500.00         ZZ
                                         360        172,340.23          1
                                       6.375          1,076.18         75
                                       6.125          1,076.18
    CORTEZ           CO   81321          5            09/06/02         00
    0434640132                           05           11/01/02          0
    7332021187                           O            10/01/32
    0

    8058573          X82/G02             F          208,000.00         ZZ
                                         360        207,811.97          1
                                       6.500          1,314.70         80
                                       6.250          1,314.70
    HUNTINGTOWN      MD   20639          5            09/16/02         00
    0434637922                           05           11/01/02          0
    837115                               O            10/01/32
    0

    8058627          X82/G02             F          283,500.00         ZZ
                                         360        283,273.29          1
                                       7.125          1,909.99         90
                                       6.875          1,909.99
    FAIRFAX          VA   22031          1            09/20/02         12
    0434774147                           05           11/01/02         30
    835182                               O            10/01/32
    0

    8058857          758/G02             F          165,200.00         ZZ
                                         360        165,054.25          1
                                       6.625          1,057.79         80
                                       6.375          1,057.79
    HOUSTON          TX   77042          2            09/11/02         00
    0434665881                           03           11/01/02          0
    102067                               O            10/01/32
    0

    8059369          E82/G02             F           63,050.00         ZZ
                                         360         62,994.37          1
1

                                       6.625            403.72         54
                                       6.375            403.72
    FRASER           MI   48026          2            09/17/02         00
    0400697819                           05           11/01/02          0
    1657629                              O            10/01/32
    0

    8059531          E22/G02             F           70,000.00         ZZ
                                         360         69,938.24          1
                                       6.625            448.22         27
                                       6.375            448.22
    COLORADO SPRING  CO   80919          5            09/19/02         00
    0414798306                           05           11/01/02          0
    0414798306                           O            10/01/32
    0

    8059549          E22/G02             F          137,300.00         ZZ
                                         360        137,169.72          1
                                       6.250            845.38         73
                                       6.000            845.38
    SOUTH BOUND BRO  NJ   08880          5            09/19/02         00
    0414826875                           05           11/01/02          0
    0414826875                           O            10/01/32
    0

    8059557          E22/G02             F          191,990.00         T
                                         360        191,840.23          1
                                       7.250          1,309.71         80
                                       7.000          1,309.71
    MILLER PLACE     NY   11764          1            09/24/02         00
    0414840751                           05           11/01/02          0
    0414840751                           O            10/01/32
    0

    8059625          E22/G02             F           66,300.00         ZZ
                                         360         66,240.07          1
                                       6.500            419.06         85
                                       6.250            419.06
    BIRMINGHAM       AL   35215          2            09/19/02         01
    0414900829                           05           11/01/02         12
    0414900829                           O            10/01/32
    0

    8059643          E22/G02             F          105,058.00         ZZ
                                         360        104,967.55          1
                                       6.750            681.40         90
                                       6.500            681.40
    VICTORVILLE      CA   92392          5            09/18/02         11
    0414928929                           05           11/01/02         25
1

    0414928929                           O            10/01/32
    0

    8060589          W39/G02             F           69,000.00         ZZ
                                         360         68,943.44          1
                                       7.000            459.06         75
                                       6.750            459.06
    DESTIN           FL   32541          5            09/12/02         00
    0434732731                           09           11/01/02          0
    LA023013                             N            10/01/32
    0

    8060869          X31/G02             F          320,000.00         ZZ
                                         360        319,737.70          2
                                       7.000          2,128.97         78
                                       6.750          2,128.97
    LONG BEACH       CA   90807          5            09/16/02         00
    0434646543                           05           11/01/02          0
    40103648                             O            10/01/32
    0

    8060949          S07/G02             F           52,250.00         ZZ
                                         360         52,205.02          1
                                       6.750            338.89         50
                                       6.500            338.89
    PAGOSA SPRINGS   CO   81147          1            09/18/02         00
    0434647657                           05           11/01/02          0
    0610428                              O            10/01/32
    0

    8061049          E11/G02             F          164,300.00         ZZ
                                         360        164,168.61          1
                                       7.125          1,106.92         90
                                       6.875          1,106.92
    OTSEGO           MN   55330          1            09/18/02         10
    0434647756                           05           11/01/02         25
    0010001043300                        N            10/01/32
    0

    8061247          W02/G02             F           65,550.00         ZZ
                                         360         65,492.16          1
                                       6.625            419.73         95
                                       6.375            419.73
    JACKSONVILLE     FL   32209          5            09/04/02         12
    0434656625                           05           11/01/02         30
    1001470028                           O            10/01/32
    0

1

    8061287          477/G02             F          175,200.00         ZZ
                                         360        175,049.16          1
                                       6.750          1,136.34         80
                                       6.500          1,136.34
    STANTON          CA   90680          1            09/12/02         00
    0434650537                           01           11/01/02          0
    233338                               O            10/01/32
    0

    8062677          E22/G02             F          193,600.00         ZZ
                                         360        193,424.99          1
                                       6.500          1,223.68         80
                                       6.250          1,223.68
    FRANKLIN TOWNSH  NJ   08801          5            09/20/02         00
    0414889998                           05           11/01/02          0
    0414889998                           O            10/01/32
    0

    8062709          E22/G02             F           68,000.00         ZZ
                                         360         67,942.87          1
                                       6.875            446.71         80
                                       6.625            446.71
    NEW SMYRNA BEAC  FL   32168          5            09/20/02         00
    0414912816                           05           11/01/02          0
    0414912816                           O            10/01/32
    0

    8062717          E22/G02             F          200,000.00         ZZ
                                         360        199,814.76          1
                                       6.375          1,247.74         27
                                       6.125          1,247.74
    WALNUT CREEK     CA   94595          5            09/16/02         00
    0414918359                           05           11/01/02          0
    0414918359                           O            10/01/32
    0

    8062723          E22/G02             F          180,000.00         ZZ
                                         360        179,851.04          2
                                       7.000          1,197.54        100
                                       6.750          1,197.54
    LOGAN            UT   84321          1            09/19/02         04
    0414924381                           05           11/01/02         35
    0414924381                           O            10/01/32
    0

    8062737          E22/G02             F          132,000.00         ZZ
                                         360        130,558.93          1
                                       6.750            856.15         80
                                       6.500            856.15
1

    OAK HARBOR       OH   43449          2            09/20/02         00
    0414934463                           27           11/01/02          0
    0414934463                           O            10/01/32
    0

    8062749          E22/G02             F          242,400.00         ZZ
                                         360        242,196.35          1
                                       6.875          1,592.40         80
                                       6.625          1,592.40
    PALM BEACH GARD  FL   33418          5            09/20/02         00
    0414946525                           05           11/01/02          0
    0414946525                           O            10/01/32
    0

    8062795          E22/G02             F          135,000.00         ZZ
                                         360        134,889.34          1
                                       7.000            898.16         66
                                       6.750            898.16
    CEDAR            MI   49621          5            09/20/02         00
    0414989210                           05           11/01/02          0
    0414989210                           O            10/01/32
    0

    8062897          E22/G02             F          180,000.00         ZZ
                                         360        179,841.19          1
                                       6.625          1,152.56         67
                                       6.375          1,152.56
    HOUSTON          TX   77096          5            09/20/02         00
    0414796193                           05           11/01/02          0
    0414796193                           O            10/01/32
    0

    8062907          E22/G02             F          268,000.00         ZZ
                                         360        267,796.07          2
                                       7.375          1,851.01         85
                                       7.125          1,851.01
    PLYMOUTH         MA   02360          5            09/20/02         04
    0414815373                           05           11/01/02         12
    0414815373                           O            10/01/32
    0

    8063115          U05/G02             F          282,500.00         ZZ
                                         360        281,987.86          1
                                       6.500          1,785.59         74
                                       6.250          1,785.59
    PORTLAND         OR   97225          1            08/26/02         00
    0434724555                           05           10/01/02          0
    3256174                              O            09/01/32
    0
1

    8063255          E45/G02             F          216,000.00         ZZ
                                         360        215,608.40          1
                                       6.500          1,365.27         73
                                       6.250          1,365.27
    SANTA FE         NM   87505          5            08/29/02         00
    0434663175                           05           10/01/02          0
    232269                               O            09/01/32
    0

    8063267          E45/G02             F          176,000.00         ZZ
                                         360        175,653.30          1
                                       7.250          1,200.63         80
                                       7.000          1,200.63
    SANTA FE         NM   87505          5            08/29/02         00
    0434663142                           05           10/01/02          0
    232272                               O            09/01/32
    0

    8063375          E45/G02             F           85,000.00         ZZ
                                         360         84,853.22          1
                                       6.750            551.31         78
                                       6.500            551.31
    ATHENS           GA   30607          2            08/16/02         00
    0434646162                           05           10/01/02          0
    265152                               O            09/01/32
    0

    8063411          Q73/G02             F           56,500.00         ZZ
                                         360         56,448.92          1
                                       6.500            357.12         87
                                       6.250            357.12
    CORINTH          MS   38834          2            09/18/02         12
    0434652152                           05           11/01/02         25
    2968438                              O            10/01/32
    0

    8063451          E45/G02             F          192,000.00         ZZ
                                         360        191,826.43          1
                                       6.500          1,213.57         80
                                       6.250          1,213.57
    WINTERVILLE      GA   30683          5            09/06/02         00
    0434646857                           05           11/01/02          0
    267015                               O            10/01/32
    0

    8063843          R55/G02             F          168,000.00         ZZ
                                         360        167,851.77          1
1

                                       6.625          1,075.73         80
                                       6.375          1,075.73
    CHANDLER         AZ   85226          1            09/23/02         00
    0434641767                           03           11/01/02          0
    100094600000159                      O            10/01/32
    0

    8064081          737/G02             F          172,500.00         ZZ
                                         360        172,358.60          1
                                       7.000          1,147.65         75
                                       6.750          1,147.65
    BOLINGBROOK      IL   60440          1            09/20/02         00
    0434656740                           05           11/01/02          0
    2086681                              O            10/01/32
    0

    8064351          W39/G02             F          125,600.00         ZZ
                                         360        125,499.55          1
                                       7.125            846.20         80
                                       6.875            846.20
    RICHARDSON       TX   75061          1            09/06/02         00
    0434816005                           05           11/01/02          0
    PNI21192                             O            10/01/32
    0

    8064597          E11/G02             F          162,300.00         ZZ
                                         360        162,153.28          1
                                       6.500          1,025.85         52
                                       6.250          1,025.85
    VICTORIA         MN   55386          1            09/20/02         00
    0434656401                           09           11/01/02          0
    0002001043085                        O            10/01/32
    0

    8065205          E82/G02             F          168,000.00         ZZ
                                         360        167,868.94          1
                                       7.250          1,146.06         75
                                       7.000          1,146.06
    POMPANO BEACH    FL   33060          2            09/24/02         00
    0400655221                           05           11/01/02          0
    0400655221                           O            10/01/32
    0

    8065221          E82/G02             F           69,200.00         ZZ
                                         360         69,140.42          1
                                       6.750            448.83         70
                                       6.500            448.83
    PALM BAY         FL   32907          2            09/21/02         00
    0400688602                           05           11/01/02          0
1

    1431533                              O            10/01/32
    0

    8065901          E22/G02             F          194,250.00         T
                                         360        194,098.46          1
                                       7.250          1,325.13         75
                                       7.000          1,325.13
    WORLEY           ID   83876          5            09/20/02         00
    0414536417                           05           11/01/02          0
    0414536417                           O            10/01/32
    0

    8066477          E11/G02             F          181,000.00         ZZ
                                         360        180,832.36          1
                                       6.375          1,129.20         76
                                       6.125          1,129.20
    BROOKLYN PARK    MN   55443          5            09/19/02         00
    0434653028                           05           11/01/02          0
    0003001047099                        O            10/01/32
    0

    8066693          E22/G02             F           71,250.00         ZZ
                                         360         71,191.59          1
                                       7.000            474.03         75
                                       6.750            474.03
    GARLAND          TX   75040          5            09/25/02         00
    0414941609                           05           11/01/02          0
    0414941609                           N            10/01/32
    0

    8066737          E22/G02             F           36,000.00         ZZ
                                         360         35,969.76          1
                                       6.875            236.49         80
                                       6.625            236.49
    MEMPHIS          TN   38122          2            09/26/02         00
    0414986042                           05           11/01/02          0
    0414986042                           N            10/01/32
    0

    8066855          P09/G02             F          246,000.00         ZZ
                                         360        245,772.16          1
                                       6.375          1,534.72         76
                                       6.125          1,534.72
    FAIRFAX          VA   22030          2            09/25/02         00
    0434742722                           05           11/01/02          0
    R0208700                             O            10/01/32
    0

1

    8066857          A21/G02             F          106,850.00         ZZ
                                         360        106,760.23          1
                                       6.875            701.93         95
                                       6.625            701.93
    ALLENTOWN        PA   18103          1            09/16/02         01
    0434733903                           05           11/01/02         30
    7770000274                           O            10/01/32
    0

    8066999          X08/G02             F          140,000.00         ZZ
                                         360        139,876.48          1
                                       6.625            896.44         63
                                       6.375            896.44
    MURRAY           UT   84123          2            09/13/02         00
    0434654042                           05           11/01/02          0
    2798738                              O            10/01/32
    0

    8067017          X08/G02             F           75,000.00         ZZ
                                         360         74,928.83          1
                                       6.250            461.79         75
                                       6.000            461.79
    PROVO            UT   84601          2            09/12/02         00
    0434837142                           01           11/01/02          0
    6012734                              N            10/01/32
    0

    8067157          U68/G02             F          106,400.00         ZZ
                                         360        106,319.04          1
                                       7.375            734.88         95
                                       7.125            734.88
    CAPE CORAL       FL   33990          5            09/17/02         01
    0434670956                           05           11/01/02         30
    02FL351154                           O            10/01/32
    0

    8067215          F62/F62             F          132,800.00         ZZ
                                         360        132,691.15          1
                                       7.000            883.52         80
                                       6.750            883.52
    MIAMI            FL   33173          1            09/13/02         00
    28469                                09           11/01/02          0
    28469                                O            10/01/32
    0

    8067229          A52/G02             F           74,700.00         ZZ
                                         360         74,635.69          1
                                       6.750            484.50         90
                                       6.500            484.50
1

    RIVERDALE        GA   30274          5            09/25/02         11
    0434652863                           05           11/01/02         25
    21062                                O            10/01/32
    0

    8067243          U05/G02             F          115,960.00         ZZ
                                         360        115,860.17          1
                                       6.750            752.11         80
                                       6.500            752.11
    PORTLAND         OR   97214          1            09/10/02         00
    0434663514                           07           11/01/02          0
    3262075                              O            10/01/32
    0

    8067295          P21/G02             F          180,600.00         ZZ
                                         360        180,451.96          1
                                       7.000          1,201.54         80
                                       6.750          1,201.54
    CARMICHAEL       CA   95608          5            09/12/02         00
    0434664538                           05           11/01/02          0
    0208071                              O            10/01/32
    0

    8069047          E22/G02             F           37,000.00         ZZ
                                         360         36,968.92          1
                                       6.875            243.06         72
                                       6.625            243.06
    HOUSTON          TX   77055          5            09/19/02         00
    0414569897                           01           11/01/02          0
    0414569897                           O            10/01/32
    0

    8069113          E22/G02             F           91,000.00         ZZ
                                         360         90,917.74          1
                                       6.500            575.18         90
                                       6.250            575.18
    WRAY             CO   80758          5            09/23/02         01
    0414834028                           05           11/01/02         25
    0414834028                           O            10/01/32
    0

    8069155          E22/G02             F           80,000.00         ZZ
                                         360         79,925.90          1
                                       6.375            499.10         54
                                       6.125            499.10
    WESTMINSTER      MD   21157          1            09/27/02         00
    0414876573                           05           11/01/02          0
    0414876573                           O            10/01/32
    0
1

    8069159          E22/G02             F          230,400.00         ZZ
                                         360        230,196.72          1
                                       6.625          1,475.28         80
                                       6.375          1,475.28
    BEND             OR   97701          5            09/20/02         00
    0414879304                           03           11/01/02          0
    0414879304                           O            10/01/32
    0

    8069171          E22/G02             F          168,000.00         ZZ
                                         360        167,840.60          1
                                       6.250          1,034.40         60
                                       6.000          1,034.40
    BELGRADE         MT   59714          1            09/27/02         00
    0414883967                           05           11/01/02          0
    0414883967                           O            10/01/32
    0

    8069209          E22/G02             F          117,000.00         ZZ
                                         360        116,906.44          1
                                       7.125            788.25         90
                                       6.875            788.25
    STONE MOUNTAIN   GA   30088          5            09/23/02         10
    0414911636                           05           11/01/02         25
    0414911636                           O            10/01/32
    0

    8069225          E22/G02             F           66,000.00         ZZ
                                         360         65,945.90          1
                                       7.000            439.10         80
                                       6.750            439.10
    PEMBROKE PARK    FL   33023          1            09/27/02         00
    0414933044                           01           11/01/02          0
    0414933044                           O            10/01/32
    0

    8069257          E22/G02             F           65,550.00         ZZ
                                         360         65,487.81          1
                                       6.250            403.60         95
                                       6.000            403.60
    SPOKANE          WA   99207          2            09/18/02         04
    0414953661                           05           11/01/02         30
    0414953661                           O            10/01/32
    0

    8069305          E22/G02             F           64,000.00         ZZ
                                         360         63,951.30          1
1

                                       7.375            442.03         80
                                       7.125            442.03
    TREMONT          PA   17981          2            09/23/02         00
    0414989376                           05           11/01/02          0
    0414989376                           O            10/01/32
    0

    8069311          E22/G02             F          105,000.00         ZZ
                                         360        104,902.75          1
                                       6.375            655.06         75
                                       6.125            655.06
    BREMERTON        WA   98312          5            09/10/02         00
    0414773341                           05           11/01/02          0
    0414773341                           O            10/01/32
    0

    8069323          E22/G02             F          116,850.00         ZZ
                                         360        116,756.56          3
                                       7.125            787.24         95
                                       6.875            787.24
    SPRINGFIELD      MA   01107          5            09/23/02         01
    0414775361                           05           11/01/02         30
    0414775361                           O            10/01/32
    0

    8069365          E22/G02             F          204,000.00         ZZ
                                         360        203,815.58          1
                                       6.500          1,289.42         80
                                       6.250          1,289.42
    AUBURN           NH   03032          1            09/27/02         00
    0415095413                           05           11/01/02          0
    0415095413                           O            10/01/32
    0

    8069367          E22/G02             F           79,000.00         ZZ
                                         240         78,838.92          1
                                       6.500            589.00         75
                                       6.250            589.00
    MOBILE           AL   36606          2            09/23/02         00
    0414916684                           05           11/01/02          0
    0414916684                           O            10/01/22
    0

    8069381          E22/G02             F          183,000.00         ZZ
                                         360        182,822.13          1
                                       6.125          1,111.93         78
                                       5.875          1,111.93
    FARMINGVILLE     NY   11738          5            09/23/02         00
    0414945709                           05           11/01/02          0
1

    0414945709                           O            10/01/32
    0

    8069907          144/144             F           79,800.00         ZZ
                                         360         79,727.86          1
                                       6.500            504.39         95
                                       6.250            504.39
    POUGHKEEPSIE     NY   12603          1            09/17/02         04
    160697565                            01           11/01/02         30
    160697565                            O            10/01/32
    0

    8070179          X67/G02             F          108,000.00         ZZ
                                         360        107,899.97          2
                                       6.375            673.78         90
                                       6.125            673.78
    CHICAGO          IL   60609          2            09/18/02         10
    0434664405                           05           11/01/02         25
    00268758                             O            10/01/32
    0

    8070697          K15/G02             F           76,000.00         ZZ
                                         360         75,932.94          1
                                       6.625            486.64         80
                                       6.375            486.64
    MAPLE HEIGHTS    OH   44137          5            09/25/02         00
    0434651162                           05           11/01/02          0
    028605502540                         O            10/01/32
    0

    8070759          950/G02             F          104,000.00         ZZ
                                         360        103,811.45          1
                                       6.500            657.35         80
                                       6.250            657.35
    VANCOUVER        WA   98660          1            08/21/02         00
    0434850558                           05           10/01/02          0
    YG208001                             N            09/01/32
    0

    8070827          168/168             F           71,400.00         ZZ
                                         360         71,339.34          1
                                       7.125            481.04         79
                                       6.875            481.04
    TONAWANDA        NY   14150          2            09/18/02         00
    0089621409                           05           11/01/02          0
    0089621409                           O            10/01/32
    0

1

    8071257          X60/G02             F          159,960.00         ZZ
                                         360        159,822.28          1
                                       6.750          1,037.50         80
                                       6.500          1,037.50
    KENMORE          WA   98028          1            09/26/02         00
    0434678876                           01           11/01/02          0
    917335                               O            10/01/32
    0

    8071365          T44/G02             F          129,900.00         ZZ
                                         360        129,779.68          1
                                       6.375            810.41         69
                                       6.125            810.41
    STOW             OH   44224          1            09/13/02         00
    0434645925                           05           11/01/02          0
    1053012                              O            10/01/32
    0

    8071739          696/G02             F          165,600.00         ZZ
                                         360        165,450.30          1
                                       6.500          1,046.70         80
                                       6.250          1,046.70
    FRONT ROYAL      VA   22630          5            09/09/02         00
    0434651139                           03           11/01/02          0
    50102119                             O            10/01/32
    0

    8072663          E22/G02             F          126,400.00         ZZ
                                         360        126,291.17          1
                                       6.750            819.83         80
                                       6.500            819.83
    WEST JORDAN      UT   84084          2            09/24/02         00
    0414689273                           05           11/01/02          0
    0414689273                           N            10/01/32
    0

    8072673          E22/G02             F          271,200.00         ZZ
                                         360        270,977.70          1
                                       7.000          1,804.30         80
                                       6.750          1,804.30
    ROCKWALL         TX   75032          1            09/30/02         00
    0414705129                           05           11/01/02          0
    0414705129                           O            10/01/32
    0

    8072675          E22/G02             F          300,000.00         ZZ
                                         360        299,722.14          1
                                       6.375          1,871.61         84
                                       6.125          1,871.61
1

    RANDOLPH         NJ   08769          5            09/24/02         04
    0414706689                           05           11/01/02         12
    0414706689                           O            10/01/32
    0

    8072737          E22/G02             F          168,000.00         ZZ
                                         360        167,858.86          1
                                       6.875          1,103.64         80
                                       6.625          1,103.64
    HIGHLAND VILLAG  TX   75007          5            09/25/02         00
    0414777474                           05           11/01/02          0
    0414777474                           O            10/01/32
    0

    8072771          E22/G02             F          270,000.00         ZZ
                                         360        269,743.81          1
                                       6.250          1,662.44         27
                                       6.000          1,662.44
    FALLBROOK        CA   92028          2            09/24/02         00
    0414801555                           03           11/01/02          0
    0414801555                           O            10/01/32
    0

    8072893          L76/G02             F          176,000.00         ZZ
                                         360        175,828.94          1
                                       6.125          1,069.39         80
                                       5.875          1,069.39
    CHANHASSEN       MN   55317          5            09/20/02         00
    0434669388                           05           11/01/02          0
    991180                               O            10/01/32
    0

    8072955          E22/G02             F          170,000.00         ZZ
                                         360        169,857.18          1
                                       6.875          1,116.78         57
                                       6.625          1,116.78
    DALLAS           TX   75243          5            09/23/02         00
    0414869040                           05           11/01/02          0
    0414869040                           O            10/01/32
    0

    8072961          E22/G02             F           95,000.00         ZZ
                                         360         94,924.03          1
                                       7.125            640.03         95
                                       6.875            640.03
    CHEYENNE         WY   82001          5            09/25/02         01
    0414873778                           05           11/01/02         30
    0414873778                           O            10/01/32
    0
1

    8072971          E22/G02             F           82,800.00         ZZ
                                         360         82,725.15          1
                                       6.500            523.35         90
                                       6.250            523.35
    OCALA            FL   34474          1            09/30/02         01
    0414875955                           09           11/01/02         30
    0414875955                           O            10/01/32
    0

    8073013          E22/G02             F          170,400.00         ZZ
                                         360        170,242.18          1
                                       6.375          1,063.07         80
                                       6.125          1,063.07
    WESTMINSTER      CO   80021          5            09/25/02         00
    0414882985                           05           11/01/02          0
    0414882985                           O            10/01/32
    0

    8073049          E22/G02             F           61,750.00         ZZ
                                         360         61,692.81          1
                                       6.375            385.24         95
                                       6.125            385.24
    EMMETT           ID   83617          1            09/25/02         01
    0414899591                           05           11/01/02         30
    0414899591                           O            10/01/32
    0

    8073079          E22/G02             F          190,000.00         ZZ
                                         360        189,832.37          1
                                       6.625          1,216.59         78
                                       6.375          1,216.59
    AURORA           CO   80016          2            09/25/02         00
    0414910745                           03           11/01/02          0
    0414910745                           O            10/01/32
    0

    8073083          E22/G02             F          173,500.00         ZZ
                                         360        173,343.15          1
                                       6.500          1,096.64         78
                                       6.250          1,096.64
    AUSTIN           TX   78732          5            09/25/02         00
    0414913335                           03           11/01/02          0
    0414913335                           O            10/01/32
    0

    8073091          E22/G02             F          163,200.00         ZZ
                                         360        163,048.84          1
1

                                       6.375          1,018.16         80
                                       6.125          1,018.16
    LAKEPORT         CA   95453          5            09/23/02         00
    0414914473                           03           11/01/02          0
    0414914473                           O            10/01/32
    0

    8073103          E22/G02             F          191,000.00         ZZ
                                         360        190,823.10          1
                                       6.375          1,191.59         77
                                       6.125          1,191.59
    LAS VEGAS        NV   89102          2            09/24/02         00
    0414920033                           05           11/01/02          0
    0414920033                           O            10/01/32
    0

    8073105          E22/G02             F          127,500.00         ZZ
                                         360        127,390.23          1
                                       6.750            826.96         68
                                       6.500            826.96
    HOUSTON          TX   77008          5            09/26/02         00
    0414920058                           05           11/01/02          0
    0414920058                           N            10/01/32
    0

    8073145          E22/G02             F           85,000.00         ZZ
                                         360         84,825.01          1
                                       6.625            544.26         73
                                       6.375            544.26
    LONE GROVE       OK   73443          5            09/24/02         00
    0414927491                           05           11/01/02          0
    0414927491                           O            10/01/32
    0

    8073153          E22/G02             F          160,000.00         ZZ
                                         360        159,862.24          1
                                       6.750          1,037.76         67
                                       6.500          1,037.76
    OCEAN            NJ   07712          5            09/25/02         00
    0414930784                           05           11/01/02          0
    0414930784                           O            10/01/32
    0

    8073305          E22/G02             F          186,000.00         ZZ
                                         360        185,843.74          1
                                       6.875          1,221.89         78
                                       6.625          1,221.89
    GRASS VALLEY     CA   95945          5            09/25/02         00
    0414966598                           05           11/01/02          0
1

    0414966598                           O            10/01/32
    0

    8073329          E22/G02             F          180,000.00         ZZ
                                         360        179,845.02          1
                                       6.750          1,167.48         75
                                       6.500          1,167.48
    ENUMCLAW         WA   98022          2            09/23/02         00
    0414973073                           05           11/01/02          0
    0414973073                           O            10/01/32
    0

    8073333          E22/G02             F          247,500.00         ZZ
                                         360        247,281.64          2
                                       6.625          1,584.77         79
                                       6.375          1,584.77
    HINGHAM          MA   02043          5            09/25/02         00
    0414973420                           05           11/01/02          0
    0414973420                           O            10/01/32
    0

    8073407          E22/G02             F          176,000.00         ZZ
                                         360        175,844.72          1
                                       6.625          1,126.95         80
                                       6.375          1,126.95
    DELRAY BEACH     FL   33444          1            09/30/02         00
    0411989822                           05           11/01/02          0
    0414989822                           O            10/01/32
    0

    8073493          E22/G02             F          300,000.00         ZZ
                                         360        299,728.80          1
                                       6.500          1,896.20         80
                                       6.250          1,896.20
    PHOENIX          AZ   85226          2            09/25/02         00
    0415037274                           03           11/01/02          0
    0415037274                           O            10/01/32
    0

    8073523          E22/G02             F          119,120.00         ZZ
                                         360        119,017.44          2
                                       6.750            772.61         80
                                       6.500            772.61
    AUSTIN           TX   78745          1            09/30/02         00
    0415061498                           05           11/01/02          0
    0415061498                           O            10/01/32
    0

1

    8073541          E22/G02             F          127,960.00         ZZ
                                         360        127,841.49          1
                                       6.375            798.30         80
                                       6.125            798.30
    DES MOINES       WA   98198          1            09/26/02         00
    0415083765                           05           11/01/02          0
    0415083765                           O            10/01/32
    0

    8073705          003/G02             F          187,000.00         ZZ
                                         360        186,846.71          1
                                       7.000          1,244.12         80
                                       6.750          1,244.12
    DULUTH           GA   30097          1            09/23/02         00
    0434835450                           03           11/01/02          0
    0021821830                           N            10/01/32
    0

    8073973          L20/G02             F          141,000.00         ZZ
                                         360        140,878.61          1
                                       6.750            914.52         77
                                       6.500            914.52
    MERIDIAN         ID   83642          2            09/26/02         00
    0434735122                           03           11/01/02          0
    1151040001                           N            10/01/32
    0

    8074181          783/G02             F          133,500.00         ZZ
                                         360        133,379.32          1
                                       6.500            843.81         89
                                       6.250            843.81
    PORT ORCHARD     WA   98366          2            09/20/02         11
    0434675021                           05           11/01/02         25
    9420040037                           O            10/01/32
    0

    8074711          N74/G02             F           88,000.00         ZZ
                                         360         87,828.50          1
                                       6.125            534.70         80
                                       5.875            534.70
    CORPUS CHRISTI   TX   78413          5            09/25/02         00
    0434695367                           05           10/30/02          0
    0030779010                           O            09/30/32
    0

    8075095          E82/G02             F           69,000.00         T
                                         360         68,940.60          1
                                       6.750            447.53         75
                                       6.500            447.53
1

    KISSIMMEE        FL   34744          2            09/30/02         00
    0400699757                           03           11/01/02          0
    2788460                              O            10/01/32
    0

    8075097          E82/G02             F          150,000.00         T
                                         360        150,000.00          1
                                       7.375          1,036.01         67
                                       7.125          1,036.01
    TRUCKEE          CA   96161          5            09/30/02         00
    0400690640                           01           12/01/02          0
    0400690640                           O            11/01/32
    0

    8075459          E22/G02             F          120,800.00         ZZ
                                         360        120,690.79          1
                                       6.500            763.54         80
                                       6.250            763.54
    BILLINGS         MT   59105          1            09/30/02         00
    0414516302                           05           11/01/02          0
    0414516302                           O            10/01/32
    0

    8075495          E22/G02             F           69,600.00         ZZ
                                         360         69,537.08          1
                                       6.500            439.92         80
                                       6.250            439.92
    COLUMBUS         OH   43207          2            10/01/02         00
    0414770289                           05           11/01/02          0
    0414770289                           N            10/01/32
    0

    8075517          E22/G02             F           75,050.00         ZZ
                                         360         74,991.46          1
                                       7.250            511.97         95
                                       7.000            511.97
    SPANAWAY         WA   98387          1            09/24/02         04
    0414812966                           05           11/01/02         30
    0414812966                           O            10/01/32
    0

    8075553          E22/G02             F          202,500.00         ZZ
                                         360        202,500.00          1
                                       7.375          1,398.62         90
                                       7.125          1,398.62
    RUIDOSO          NM   88345          1            10/01/02         01
    0414875922                           05           12/01/02         25
    0414875922                           O            11/01/32
    0
1

    8075587          E22/G02             F           62,000.00         ZZ
                                         360         61,945.30          1
                                       6.625            396.99         80
                                       6.375            396.99
    NEW ALBANY       IN   47150          1            10/01/02         00
    0414928093                           05           11/01/02          0
    0414928093                           O            10/01/32
    0

    8075657          E22/G02             F          189,100.00         ZZ
                                         360        188,944.99          1
                                       7.000          1,258.09         77
                                       6.750          1,258.09
    DALLAS           TX   75252          5            09/26/02         00
    0414999706                           03           11/01/02          0
    0414999706                           O            10/01/32
    0

    8075923          W35/G02             F          184,000.00         ZZ
                                         240        183,601.76          1
                                       6.000          1,318.24         80
                                       5.750          1,318.24
    LAKE VILLA       IL   60046          5            09/26/02         00
    0434669545                           05           11/01/02          0
    14301                                O            10/01/22
    0

    8076365          W35/G02             F          164,000.00         ZZ
                                         360        163,840.59          1
                                       6.125            996.49         80
                                       5.875            996.49
    STERLING HEIGHT  MI   48310          5            09/13/02         00
    0434668703                           05           11/01/02          0
    14099                                O            10/01/32
    0

    8076691          X72/G02             F          174,400.00         ZZ
                                         360        174,234.52          1
                                       6.250          1,073.81         80
                                       6.000          1,073.81
    LAKEWOOD         CO   80226          1            09/25/02         00
    0434679155                           05           11/01/02          0
    21026096                             O            10/01/32
    0

    8076773          Q14/G02             F          126,400.00         ZZ
                                         360        126,293.81          1
1

                                       6.875            830.36         80
                                       6.625            830.36
    LEES SUMMIT      MO   64064          5            09/25/02         00
    0434663043                           05           11/01/02          0
    0209195                              O            10/01/32
    0

    8076789          Q14/G02             F          130,000.00         ZZ
                                         360        129,885.31          1
                                       6.625            832.40         86
                                       6.375            832.40
    TIPTON           IA   52772          5            09/26/02         01
    0434652079                           05           11/01/02         25
    0209101                              O            10/01/32
    0

    8076913          W39/G02             F          143,920.00         ZZ
                                         360        143,796.08          1
                                       6.750            933.47         80
                                       6.500            933.47
    ALLEN            TX   75013          1            09/30/02         00
    0434706347                           03           11/01/02          0
    122399                               O            10/01/32
    0

    8077197          N74/G02             F          173,000.00         ZZ
                                         360        172,851.06          1
                                       6.750          1,122.07        100
                                       6.500          1,122.07
    RICHMOND         VA   23231          2            09/26/02         10
    0434651592                           05           11/01/02         35
    0030789010                           O            10/01/32
    0

    8077851          X67/G02             F          300,000.00         ZZ
                                         360        299,728.80          1
                                       6.500          1,896.20         85
                                       6.250          1,896.20
    LOS ANGELES      CA   90041          5            09/17/02         10
    0434677175                           05           11/01/02         12
    269337                               O            10/01/32
    0

    8077939          B44/G02             F           84,000.00         ZZ
                                         360         83,920.30          1
                                       6.250            517.20         80
                                       6.000            517.20
    BOISE            ID   83706          1            09/26/02         00
    0434672929                           05           11/01/02          0
1

    4021429                              O            10/01/32
    0

    8077941          B44/G02             F          108,800.00         ZZ
                                         360        108,701.64          1
                                       6.500            687.69         85
                                       6.250            687.69
    KENNEWICK        WA   99336          5            09/24/02         11
    0434671897                           05           11/01/02         12
    4021541                              O            10/01/32
    0

    8078633          N74/G02             F          122,850.00         ZZ
                                         360        122,754.17          1
                                       7.250            838.05         90
                                       7.000            838.05
    STRASBURG        VA   22657          5            09/26/02         10
    0434655098                           05           11/01/02         25
    0030788010                           O            10/01/32
    0

    8078711          E22/G02             F          172,000.00         ZZ
                                         360        171,848.25          1
                                       6.625          1,101.33         80
                                       6.375          1,101.33
    SACRAMENTO       CA   95816          5            09/16/02         00
    0414755561                           05           11/01/02          0
    0414755561                           O            10/01/32
    0

    8078713          E22/G02             F          182,000.00         ZZ
                                         360        181,835.47          1
                                       6.500          1,150.36         58
                                       6.250          1,150.36
    SANTA ANA        CA   92704          2            09/24/02         00
    0414772277                           05           11/01/02          0
    0414772277                           O            10/01/32
    0

    8078745          E22/G02             F          113,400.00         ZZ
                                         360        113,311.54          1
                                       7.250            773.59         90
                                       7.000            773.59
    ATHENS           AL   35613          5            09/27/02         01
    0414865782                           05           11/01/02         25
    0414865782                           O            10/01/32
    0

1

    8078767          E22/G02             F          116,100.00         ZZ
                                         240        115,863.27          1
                                       6.500            865.61         90
                                       6.250            865.61
    RICHLAND         MS   39218          5            09/27/02         01
    0414883439                           05           11/01/02         30
    0414883439                           O            10/01/22
    0

    8078771          E22/G02             F          167,500.00         ZZ
                                         360        167,359.28          1
                                       6.875          1,100.36         85
                                       6.625          1,100.36
    RIFLE            CO   81650          2            09/27/02         01
    0414896803                           05           11/01/02         25
    0414896803                           O            10/01/32
    0

    8078787          E22/G02             F          142,500.00         ZZ
                                         360        142,500.00          1
                                       6.500            900.70         95
                                       6.250            900.70
    FREMONT          NE   68025          1            10/02/02         04
    0414915058                           05           12/01/02         30
    0414915058                           O            11/01/32
    0

    8078807          E22/G02             F          181,600.00         ZZ
                                         360        181,431.80          1
                                       6.375          1,132.95         80
                                       6.125          1,132.95
    OREGON CITY      OR   97045          5            09/26/02         00
    0414926345                           05           11/01/02          0
    0414926345                           O            10/01/32
    0

    8078857          E22/G02             F          112,900.00         ZZ
                                         360        112,802.79          1
                                       6.750            732.27         95
                                       6.500            732.27
    GUNTERSVILLE     AL   35976          5            09/27/02         01
    0414939512                           05           11/01/02         30
    0414939512                           O            10/01/32
    0

    8078867          E22/G02             F          101,460.00         ZZ
                                         360        101,460.00          1
                                       6.875            666.52         90
                                       6.625            666.52
1

    GAINSVILLE       FL   32606          1            10/02/02         04
    0414947267                           03           12/01/02         25
    0414947267                           N            11/01/32
    0

    8078911          E22/G02             F          200,000.00         ZZ
                                         360        199,810.24          1
                                       6.250          1,231.43         62
                                       6.000          1,231.43
    EUGENE           OR   97408          5            09/26/02         00
    0414982264                           05           11/01/02          0
    0414982264                           O            10/01/32
    0

    8078939          E22/G02             F          170,000.00         ZZ
                                         360        169,830.76          1
                                       6.000          1,019.24         72
                                       5.750          1,019.24
    MIAMI            FL   33175          5            09/27/02         00
    0415014513                           05           11/01/02          0
    0415014513                           O            10/01/32
    0

    8078959          E22/G02             F          252,000.00         ZZ
                                         360        252,000.00          1
                                       6.250          1,551.61         80
                                       6.000          1,551.61
    SUGARLOAF SHORE  FL   33042          1            10/02/02         00
    0415024678                           05           12/01/02          0
    0415024678                           O            11/01/32
    0

    8078975          E22/G02             F           78,400.00         ZZ
                                         360         78,332.50          1
                                       6.750            508.50         80
                                       6.500            508.50
    GRAND RAPIDS     MI   49505          5            09/27/02         00
    0415036037                           05           11/01/02          0
    0415036037                           O            10/01/32
    0

    8078983          E22/G02             F          116,450.00         ZZ
                                         360        116,339.51          1
                                       6.250            717.00         85
                                       6.000            717.00
    BIRMINGHAM       AL   35214          2            09/27/02         01
    0415042894                           05           11/01/02         12
    0415042894                           O            10/01/32
    0
1

    8078987          E22/G02             F           76,050.00         ZZ
                                         360         75,986.11          1
                                       6.875            499.59         90
                                       6.625            499.59
    COLUMBUS         OH   43228          1            10/02/02         01
    0415045186                           05           11/01/02         25
    0415045186                           N            10/01/32
    0

    8078999          E22/G02             F           96,000.00         ZZ
                                         360         96,000.00          3
                                       6.875            630.65         69
                                       6.625            630.65
    CORTEZ           CO   81401          5            10/02/02         00
    0415056910                           05           12/01/02          0
    0415056910                           N            11/01/32
    0

    8079069          W39/G02             F           65,000.00         ZZ
                                         360         64,945.39          1
                                       6.875            427.01         59
                                       6.625            427.01
    MCKINNEY         TX   75069          5            09/10/02         00
    0434715058                           05           11/01/02          0
    PNI22137                             N            10/01/32
    0

    8079093          G34/G02             F          288,000.00         ZZ
                                         360        287,733.25          1
                                       6.375          1,796.75         80
                                       6.125          1,796.75
    SAN JOSE         CA   95119          5            09/23/02         00
    0434668646                           01           11/01/02          0
    48200680                             O            10/01/32
    0

    8080939          950/G02             F           81,500.00         ZZ
                                         360         81,428.10          1
                                       6.625            521.85         47
                                       6.375            521.85
    PORTLAND         OR   97211          2            09/18/02         00
    0434684924                           05           11/01/02          0
    YC208010                             N            10/01/32
    0

    8080977          X44/G02             F          160,000.00         ZZ
                                         360        159,855.36          1
1

                                       6.500          1,011.31         68
                                       6.250          1,011.31
    SICKLERVILLE     NJ   08081          1            09/30/02         00
    0434715017                           05           11/01/02          0
    6064                                 O            10/01/32
    0

    8081045          X05/G02             F          229,500.00         ZZ
                                         360        229,158.29          4
                                       7.500          1,604.70         85
                                       7.250          1,604.70
    SAN DIEGO        CA   92105          1            08/19/02         11
    0434685202                           05           10/01/02         12
    01208042                             O            09/01/32
    0

    8081175          420/G02             F          185,000.00         ZZ
                                         360        184,836.77          2
                                       6.625          1,184.58         39
                                       6.375          1,184.58
    SEBASTOPOL       CA   95472          5            09/18/02         00
    0434672499                           05           11/01/02          0
    72002238                             O            10/01/32
    0

    8081211          L76/G02             F          201,500.00         ZZ
                                         360        201,500.00          1
                                       6.000          1,208.09         56
                                       5.750          1,208.09
    SAVAGE           MN   55378          5            10/02/02         00
    0434683462                           05           12/01/02          0
    9507007                              O            11/01/32
    0

    8081259          S11/G02             F          185,000.00         ZZ
                                         360        184,848.36          1
                                       7.000          1,230.81         65
                                       6.750          1,230.81
    SANTA ANA        CA   92703          5            09/23/02         00
    0434684205                           05           11/01/02          0
    10209514                             O            10/01/32
    0

    8081347          P09/G02             F          123,000.00         ZZ
                                         360        122,888.81          1
                                       6.500            777.44         88
                                       6.250            777.44
    CATONSVILLE      MD   21228          2            09/27/02         10
    0434785739                           09           11/01/02         25
1

    R0208670                             O            10/01/32
    0

    8081389          W93/G02             F          139,600.00         ZZ
                                         360        139,473.80          1
                                       6.500            882.37         80
                                       6.250            882.37
    LOS ANGELES      CA   91040          1            09/20/02         00
    0434677399                           01           11/01/02          0
    51371330                             O            10/01/32
    0

    8081409          W93/G02             F           96,000.00         ZZ
                                         360         95,925.11          1
                                       7.250            654.89         80
                                       7.000            654.89
    PHOENIX          AZ   85013          1            09/20/02         00
    0434683777                           05           11/01/02          0
    35414223                             O            10/01/32
    0

    8081427          W93/G02             F          200,000.00         ZZ
                                         360        199,843.98          1
                                       7.250          1,364.35         80
                                       7.000          1,364.35
    STOCKTON         CA   95219          1            09/25/02         00
    0434683785                           03           11/01/02          0
    46378314                             O            10/01/32
    0

    8081429          225/G02             F          117,300.00         ZZ
                                         360        117,210.75          1
                                       7.375            810.16         85
                                       7.125            810.16
    ANNANDALE        VA   22003          5            08/27/02         10
    0434653259                           01           11/01/02         12
    006208326                            O            10/01/32
    0

    8081447          A06/G02             F          136,800.00         ZZ
                                         360        136,679.30          1
                                       6.625            875.95         80
                                       6.375            875.95
    MARIETTA         GA   30066          5            09/27/02         00
    0434670683                           05           11/01/02          0
    005000010201441                      O            10/01/32
    0

1

    8081459          225/G02             F           69,550.00         T
                                         360         69,441.17          1
                                       7.250            474.45         74
                                       7.000            474.45
    DINGMAN'S FER    PA   18428          1            08/16/02         00
    0434656351                           03           10/01/02          0
    006548076                            O            09/01/32
    0

    8081511          F62/G02             F           75,000.00         ZZ
                                         360         74,938.52          1
                                       7.000            498.98         42
                                       6.750            498.98
    MIAMI            FL   33186          5            09/30/02         00
    0434777710                           03           11/01/02          0
    28788                                O            10/01/32
    0

    8081621          225/G02             F          205,200.00         ZZ
                                         360        204,716.85          1
                                       7.250          1,399.83         90
                                       7.000          1,399.83
    BERWYN           IL   60402          5            07/18/02         11
    0434656427                           05           09/01/02         25
    007381068                            O            08/01/32
    0

    8081707          225/G02             F           71,550.00         ZZ
                                         360         70,991.10          1
                                       7.375            494.18         95
                                       7.125            494.18
    PORT ALLEN       LA   70767          2            09/03/02         11
    0434655247                           05           11/01/02         25
    007395857                            O            10/01/32
    0

    8081819          F61/G02             F          135,950.00         ZZ
                                         360        135,841.28          1
                                       7.125            915.92         80
                                       6.875            915.92
    SEATTLE          WA   98126          1            09/24/02         00
    0434679338                           01           11/01/02          0
    021733B                              O            10/01/32
    0

    8081871          X82/G02             F           80,000.00         ZZ
                                         360         79,929.42          1
                                       6.625            512.25         36
                                       6.375            512.25
1

    REVA             VA   22735          1            09/30/02         00
    0434687083                           03           11/01/02          0
    837485                               O            10/01/32
    0

    8082419          E82/G02             F          113,000.00         ZZ
                                         360        113,000.00          1
                                       6.625            723.55         29
                                       6.375            723.55
    MASSAPEQUA       NY   11758          2            10/01/02         00
    0400679999                           05           12/01/02          0
    0400679999                           O            11/01/32
    0

    8082429          E82/G02             F          107,600.00         T
                                         360        107,600.00          1
                                       6.750            697.89         76
                                       6.500            697.89
    CHICO            CA   95928          2            10/02/02         00
    0400710117                           05           12/01/02          0
    1193406                              O            11/01/32
    0

    8082491          X43/G02             F          275,000.00         ZZ
                                         360        274,763.24          1
                                       6.750          1,783.64         76
                                       6.500          1,783.64
    SPRING VALLEY    CA   91977          5            09/24/02         00
    0434688719                           05           11/01/02          0
    10902012                             O            10/01/32
    0

    8082703          E22/G02             F           78,000.00         ZZ
                                         360         77,937.63          1
                                       7.125            525.50         80
                                       6.875            525.50
    SPOKANE          WA   99202          5            09/26/02         00
    0414751388                           05           11/01/02          0
    0414751388                           O            10/01/32
    0

    8082757          E22/G02             F          243,750.00         ZZ
                                         360        243,529.64          3
                                       6.500          1,540.67         75
                                       6.250          1,540.67
    NEVADA CITY      CA   95959          1            09/27/02         00
    0414914671                           05           11/01/02          0
    0414914671                           N            10/01/32
    0
1

    8082825          E22/G02             F          135,000.00         ZZ
                                         360        134,886.59          1
                                       6.875            886.85         75
                                       6.625            886.85
    PUEBLO           CO   81007          2            10/02/02         00
    0415004084                           05           11/01/02          0
    0415004084                           N            10/01/32
    0

    8082833          E22/G02             F           29,600.00         ZZ
                                         360         29,576.91          1
                                       7.250            201.92         80
                                       7.000            201.92
    KANSAS CITY      MO   64123          2            10/02/02         00
    0415015486                           05           11/01/02          0
    0415015486                           N            10/01/32
    0

    8082841          E22/G02             F           30,000.00         ZZ
                                         360         29,976.60          1
                                       7.250            204.65         77
                                       7.000            204.65
    KANSAS CITY      MO   64127          2            10/02/02         00
    0415018571                           05           11/01/02          0
    0415018571                           N            10/01/32
    0

    8082847          A06/G02             F          174,400.00         ZZ
                                         360        174,253.48          1
                                       6.875          1,145.69         80
                                       6.625          1,145.69
    WESTLAND         MI   48185          1            09/25/02         00
    0434689071                           05           11/01/02          0
    021000020221144                      O            10/01/32
    0

    8082905          E22/G02             F           72,900.00         ZZ
                                         360         72,835.68          1
                                       6.625            466.79         61
                                       6.375            466.79
    MIDLAND          MI   48640          1            10/03/02         00
    0415110790                           05           11/01/02          0
    0415110790                           O            10/01/32
    0

    8083001          W39/G02             F          173,000.00         ZZ
                                         360        172,847.36          1
1

                                       6.625          1,107.74         76
                                       6.375          1,107.74
    AUSTIN           TX   78704          5            09/25/02         00
    0434729802                           05           11/01/02          0
    PNI22184                             O            10/01/32
    0

    8083035          Q14/G02             F          168,000.00         ZZ
                                         360        167,844.40          1
                                       6.375          1,048.10         87
                                       6.125          1,048.10
    KANSAS CITY      KS   66112          2            09/27/02         01
    0434680534                           05           11/01/02         25
    0209090                              O            10/01/32
    0

    8084053          U05/G02             F           84,000.00         ZZ
                                         360         83,927.68          1
                                       6.750            544.82         80
                                       6.500            544.82
    AUSTIN           TX   78744          5            09/24/02         00
    0434716916                           05           11/01/02          0
    3263555                              O            10/01/32
    0

    8084099          696/G02             F          196,000.00         ZZ
                                         360        195,835.34          1
                                       6.875          1,287.58         80
                                       6.625          1,287.58
    WASHINGTON       DC   20036          1            09/20/02         00
    0434730891                           01           11/01/02          0
    32602238                             O            10/01/32
    0

    8084351          U05/G02             F          137,000.00         ZZ
                                         360        136,873.11          1
                                       6.375            854.70         95
                                       6.125            854.70
    NORTH LAUDERDAL  FL   33068          5            09/25/02         10
    0434792834                           03           11/01/02         30
    3249787                              O            10/01/32
    0

    8084373          X21/G02             F          300,000.00         ZZ
                                         360        299,741.70          1
                                       6.750          1,945.80         79
                                       6.500          1,945.80
    WASHINGTON       DC   20011          1            09/25/02         00
    0434731162                           05           11/01/02          0
1

    704741                               O            10/01/32
    0

    8084457          W39/G02             F           81,850.00         ZZ
                                         360         81,850.00          1
                                       7.000            544.56         90
                                       6.750            544.56
    DALLAS           TX   75228          1            10/01/02         01
    0434785945                           05           12/01/02         25
    PNI22259                             O            11/01/32
    0

    8084579          X67/G02             F           85,000.00         ZZ
                                         360         84,932.03          1
                                       7.125            572.66         85
                                       6.875            572.66
    TIPP CITY        OH   45371          2            09/16/02         10
    0434690129                           05           11/01/02         12
    00269550                             O            10/01/32
    0

    8084587          N74/G02             F           77,000.00         ZZ
                                         360         76,932.06          1
                                       6.625            493.04         43
                                       6.375            493.04
    MATTHEWS         NC   28105          5            09/27/02         00
    0434668273                           05           11/02/02          0
    0030769010                           O            10/02/32
    0

    8084815          642/G02             F          115,200.00         ZZ
                                         360        115,095.86          1
                                       6.500            728.14         80
                                       6.250            728.14
    INDIANAPOLIS     IN   46260          2            09/20/02         00
    0434677415                           01           11/01/02          0
    08202402                             O            10/01/32
    0

    8084915          R84/G02             F          140,000.00         ZZ
                                         360        139,746.18          1
                                       6.500            884.90         79
                                       6.250            884.90
    EVERETT          WA   98205          5            08/30/02         00
    0434766176                           05           10/01/02          0
    WA800497                             N            09/01/32
    0

1

    8085007          N47/G02             F          200,000.00         ZZ
                                         360        199,819.19          1
                                       6.500          1,264.14         84
                                       6.250          1,264.14
    VISTA            CA   92084          5            09/21/02         04
    0434691200                           05           11/01/02         12
    30122708                             O            10/01/32
    0

    8085903          E82/G02             F          145,731.00         ZZ
                                         360        145,731.00          1
                                       6.625            933.13         75
                                       6.375            933.13
    SPARKS           NV   89436          2            10/03/02         00
    0400710810                           05           12/01/02          0
    1939612                              O            11/01/32
    0

    8085909          G18/G02             F          149,200.00         ZZ
                                         360        149,083.61          1
                                       7.250          1,017.81         80
                                       7.000          1,017.81
    APPLE VALLEY     MN   55124          1            10/02/02         00
    0434734430                           07           11/01/02          0
    03RP00200900                         N            10/01/32
    0

    8085921          E82/G02             F           98,300.00         ZZ
                                         360         98,300.00          2
                                       6.875            645.76         46
                                       6.625            645.76
    BROOKLYN PARK    MN   55428          2            10/07/02         00
    0400707824                           05           12/01/02          0
    1903399                              N            11/01/32
    0

    8085933          E82/G02             F          130,000.00         ZZ
                                         360        130,000.00          2
                                       6.500            821.69         80
                                       6.250            821.69
    SOMERVILLE       NJ   08876          2            10/03/02         00
    0400708921                           05           12/01/02          0
    5126650                              O            11/01/32
    0

    8086015          E22/G02             F          116,000.00         ZZ
                                         360        115,897.66          1
                                       6.625            742.76         80
                                       6.375            742.76
1

    STRATFORD        CT   06614          5            09/30/02         00
    0414784249                           05           11/01/02          0
    0414784249                           O            10/01/32
    0

    8086049          E22/G02             F          105,600.00         ZZ
                                         360        105,600.00          1
                                       6.500            667.46         80
                                       6.250            667.46
    LANTANA          FL   33462          1            10/04/02         00
    0414832410                           05           12/01/02          0
    0414832410                           O            11/01/32
    0

    8086065          E22/G02             F          256,500.00         ZZ
                                         360        256,500.00          1
                                       6.500          1,621.25         90
                                       6.250          1,621.25
    GOLD RIVER       CA   95670          1            10/01/02         01
    0414859561                           09           12/01/02         25
    0414859561                           O            11/01/32
    0

    8086079          E22/G02             F          139,192.00         ZZ
                                         360        139,069.20          1
                                       6.625            891.26         80
                                       6.375            891.26
    SANTA CLARITA    CA   91351          1            09/30/02         00
    0414879205                           01           11/01/02          0
    0414879205                           O            10/01/32
    0

    8086089          E22/G02             F          170,000.00         ZZ
                                         360        169,838.70          1
                                       6.250          1,046.72         79
                                       6.000          1,046.72
    SACRAMENTO       CA   95829          5            09/26/02         00
    0414895060                           05           11/01/02          0
    0414895060                           O            10/01/32
    0

    8086091          E22/G02             F           94,400.00         ZZ
                                         360         94,400.00          1
                                       6.750            612.28         79
                                       6.500            612.28
    SALT LAKE CITY   UT   84104          5            09/30/02         00
    0414896001                           05           12/01/02          0
    0414896001                           O            11/01/32
    0
1

    8086095          E22/G02             F          299,250.00         ZZ
                                         360        299,250.00          1
                                       7.125          2,016.10         95
                                       6.875          2,016.10
    SALT LAKE CITY   UT   84124          1            09/30/02         04
    0414898973                           05           12/01/02         30
    0414898973                           O            11/01/32
    0

    8086105          E22/G02             F          124,200.00         ZZ
                                         360        124,093.07          1
                                       6.750            805.56         90
                                       6.500            805.56
    FOUNTAIN         CO   80817          5            09/30/02         04
    0414927749                           05           11/01/02         25
    0414927749                           O            10/01/32
    0

    8086167          E22/G02             F          151,200.00         ZZ
                                         360        151,066.60          1
                                       6.625            968.15         80
                                       6.375            968.15
    FRISCO           TX   75034          1            10/01/02         00
    0414976639                           03           11/01/02          0
    0414976639                           O            10/01/32
    0

    8086185          E22/G02             F           64,000.00         ZZ
                                         360         63,944.90          1
                                       6.750            415.10         80
                                       6.500            415.10
    BEAUMONT         TX   77706          5            09/30/02         00
    0414998906                           05           11/01/02          0
    0414998906                           O            10/01/32
    0

    8086221          E22/G02             F          296,000.00         ZZ
                                         360        296,000.00          1
                                       6.625          1,895.32         71
                                       6.375          1,895.32
    OREM             UT   84058          2            09/27/02         00
    0415041896                           05           12/01/02          0
    0415041896                           O            11/01/32
    0

    8086237          E22/G02             F           85,500.00         ZZ
                                         360         85,433.30          1
1

                                       7.250            583.26         75
                                       7.000            583.26
    ATLANTA          GA   30314          2            10/04/02         00
    0415065101                           05           11/01/02          0
    0415065101                           N            10/01/32
    0

    8086269          E22/G02             F          336,000.00         ZZ
                                         360        335,696.25          2
                                       6.500          2,123.75         80
                                       6.250          2,123.75
    REVERE           MA   02151          1            10/04/02         00
    0415112143                           05           11/01/02          0
    0415112143                           O            10/01/32
    0

    8086339          N74/G02             F          223,000.00         ZZ
                                         360        222,798.41          1
                                       6.500          1,409.51         79
                                       6.250          1,409.51
    SAINT GEORGE     UT   84790          2            09/30/02         00
    0434657441                           05           11/04/02          0
    0030837010                           O            10/04/32
    0

    8086379          W68/G02             F          168,055.00         ZZ
                                         360        167,910.31          1
                                       6.750          1,090.00         95
                                       6.500          1,090.00
    SUNNYVALE        TX   75182          1            09/17/02         12
    0434710976                           03           11/01/02         30
    30262                                O            10/01/32
    0

    8086451          H22/G02             F          384,000.00         ZZ
                                         360        384,000.00          2
                                       6.750          2,490.62         62
                                       6.500          2,490.62
    WHITESTONE       NY   11357          5            09/27/02         00
    0434692026                           05           12/01/02          0
    0208029                              O            11/01/32
    0

    8086491          806/G02             F          284,100.00         ZZ
                                         360        283,379.84          1
                                       6.875          1,866.34         80
                                       6.625          1,866.34
    CHULA VISTA      CA   91911          1            07/05/02         00
    0434783197                           05           09/01/02          0
1

    1050005525                           O            08/01/32
    0

    8086499          B57/G02             F          330,000.00         ZZ
                                         360        329,701.68          2
                                       6.500          2,085.82         65
                                       6.250          2,085.82
    LOS ANGELES      CA   90019          2            09/20/02         00
    0434685038                           05           11/01/02          0
    10005405                             O            10/01/32
    0

    8086691          K39/G02             F          154,500.00         ZZ
                                         300        154,500.00          1
                                       6.000            995.45         84
                                       5.750            995.45
    WINDHAM          ME   04062          5            09/28/02         10
    0434740585                           05           12/01/02         12
    085521996                            O            11/01/27
    0

    8086707          K15/G02             F          198,000.00         ZZ
                                         360        197,802.89          1
                                       6.000          1,187.11         80
                                       5.750          1,187.11
    STERLING         VA   20164          5            09/25/02         00
    0434688677                           05           11/01/02          0
    013405310156                         O            10/01/32
    0

    8086857          253/253             F          183,200.00         ZZ
                                         360        182,867.87          1
                                       6.500          1,157.95         80
                                       6.250          1,157.95
    ASHBURN          VA   20147          1            08/30/02         00
    430578                               09           10/01/02          0
    430578                               O            09/01/32
    0

    8087041          N74/G02             F           45,200.00         ZZ
                                         360         45,162.95          1
                                       7.000            300.72         80
                                       6.750            300.72
    MAUMELLE         AR   72113          2            10/04/02         00
    0434668182                           07           11/04/02          0
    0050862010                           N            10/04/32
    0

1

    8087075          N74/G02             F           45,200.00         ZZ
                                         360         45,162.95          1
                                       7.000            300.72         80
                                       6.750            300.72
    MAUMELLE         AR   72113          2            10/04/02         00
    0434668133                           07           11/04/02          0
    0030864010                           N            10/04/32
    0

    8087131          K15/G02             F          121,000.00         ZZ
                                         360        120,900.81          2
                                       7.000            805.02         74
                                       6.750            805.02
    WENDELL          NC   27591          5            09/23/02         00
    0434796488                           05           11/01/02          0
    017105503147                         O            10/01/32
    0

    8087501          W93/G02             F          136,800.00         ZZ
                                         360        136,687.86          1
                                       7.000            910.14         80
                                       6.750            910.14
    PEORIA           AZ   85382          1            09/20/02         00
    0434685327                           03           11/01/02          0
    35414246                             O            10/01/32
    0

    8087619          964/G02             F          300,700.00         ZZ
                                         360        300,400.65          1
                                       6.000          1,802.85         42
                                       5.750          1,802.85
    MILL VALLEY      CA   94941          5            09/18/02         00
    0434704466                           05           11/01/02          0
    249323                               O            10/01/32
    0

    8087623          964/G02             F           99,000.00         ZZ
                                         360         98,899.07          1
                                       5.875            585.62         33
                                       5.625            585.62
    SAN PABLO        CA   94806          5            09/16/02         00
    0434696209                           05           11/01/02          0
    252808                               O            10/01/32
    0

    8087627          964/G02             F          250,000.00         ZZ
                                         360        249,751.12          1
                                       6.000          1,498.88         33
                                       5.750          1,498.88
1

    GRANITE BAY      CA   95746          5            09/06/02         00
    0434698692                           05           11/01/02          0
    254070                               O            10/01/32
    0

    8087629          964/G02             F          136,000.00         ZZ
                                         360        135,880.01          1
                                       6.625            870.82         80
                                       6.375            870.82
    CORONA           CA   92882          1            09/18/02         00
    0434682050                           05           11/01/02          0
    258061                               O            10/01/32
    0

    8087631          964/G02             F          200,000.00         ZZ
                                         360        199,823.55          1
                                       6.625          1,280.62         79
                                       6.375          1,280.62
    MARYSVILLE       CA   95901          1            09/19/02         00
    0434686580                           05           11/01/02          0
    258186                               O            10/01/32
    0

    8087633          964/G02             F          122,800.00         ZZ
                                         360        122,688.99          1
                                       6.500            776.18         80
                                       6.250            776.18
    BOISE            ID   83716          1            09/20/02         00
    0434682886                           03           11/01/02          0
    261398                               O            10/01/32
    0

    8087635          964/G02             F          260,000.00         ZZ
                                         360        259,759.19          1
                                       6.375          1,622.06         69
                                       6.125          1,622.06
    HAYWARD          CA   94541          2            09/13/02         00
    0434690947                           05           11/01/02          0
    263211                               O            10/01/32
    0

    8087641          964/G02             F          243,750.00         ZZ
                                         360        243,507.35          1
                                       6.000          1,461.40         66
                                       5.750          1,461.40
    ROSEBURG         OR   97470          5            09/17/02         00
    0434689568                           05           11/01/02          0
    266153                               O            10/01/32
    0
1

    8087645          964/G02             F          202,500.00         ZZ
                                         360        202,325.65          4
                                       6.750          1,313.41         90
                                       6.500          1,313.41
    PHOENIX          AZ   85013          1            09/23/02         01
    0434699435                           07           11/01/02         25
    269140                               N            10/01/32
    0

    8087649          964/G02             F          300,700.00         ZZ
                                         360        300,441.11          1
                                       6.750          1,950.33         70
                                       6.500          1,950.33
    LIVERMORE        CA   94550          5            09/12/02         00
    0434689485                           05           11/01/02          0
    243423                               O            10/01/32
    0

    8087653          964/G02             F          215,000.00         ZZ
                                         360        214,810.31          1
                                       6.625          1,376.67         48
                                       6.375          1,376.67
    ANTIOCH          CA   94531          2            09/18/02         00
    0434682225                           05           11/01/02          0
    249451                               O            10/01/32
    0

    8087655          964/G02             F          190,000.00         ZZ
                                         360        189,810.85          1
                                       6.000          1,139.15         51
                                       5.750          1,139.15
    PACIFICA         CA   94044          2            09/13/02         00
    0434686713                           05           11/01/02          0
    252825                               O            10/01/32
    0

    8087657          964/G02             F          300,000.00         ZZ
                                         360        299,715.35          1
                                       6.250          1,847.15         47
                                       6.000          1,847.15
    BELMONT          CA   94002          2            09/12/02         00
    0434692323                           05           11/01/02          0
    254045                               O            10/01/32
    0

    8087733          964/G02             F          240,000.00         ZZ
                                         360        239,772.28          1
1

                                       6.250          1,477.72         45
                                       6.000          1,477.72
    FREMONT          CA   94555          5            09/18/02         00
    0434699823                           05           11/01/02          0
    255994                               O            10/01/32
    0

    8087741          964/G02             F           76,500.00         ZZ
                                         360         76,422.00          1
                                       5.875            452.53         57
                                       5.625            452.53
    PLANO            TX   75025          2            09/19/02         00
    0434706024                           05           11/01/02          0
    262144                               O            10/01/32
    0

    8087745          964/G02             F          107,000.00         ZZ
                                         360        106,905.60          1
                                       6.625            685.13         48
                                       6.375            685.13
    MILWAUKIE        OR   97222          5            09/10/02         00
    0434686416                           05           11/01/02          0
    263951                               O            10/01/32
    0

    8087751          964/G02             F          164,050.00         ZZ
                                         360        163,918.81          2
                                       7.125          1,105.24         83
                                       6.875          1,105.24
    SACRAMENTO       CA   95838          1            09/16/02         11
    0434684569                           05           11/01/02         17
    244540                               N            10/01/32
    0

    8087753          964/G02             F          262,000.00         ZZ
                                         360        261,768.84          1
                                       6.625          1,677.62         75
                                       6.375          1,677.62
    YORBA LINDA      CA   92886          5            09/20/02         00
    0434698189                           05           11/01/02          0
    248693                               O            10/01/32
    0

    8087755          964/G02             F          116,000.00         ZZ
                                         360        115,902.54          1
                                       6.875            762.04         82
                                       6.625            762.04
    CHANDLER         AZ   85226          2            09/19/02         21
    0434691341                           05           11/01/02         12
1

    250571                               O            10/01/32
    0

    8087757          964/G02             F          168,000.00         ZZ
                                         360        167,844.40          1
                                       6.375          1,048.10         80
                                       6.125          1,048.10
    GALT             CA   95632          5            09/18/02         00
    0434697546                           05           11/01/02          0
    252875                               O            10/01/32
    0

    8087759          964/G02             F          292,500.00         ZZ
                                         360        292,229.09          1
                                       6.375          1,824.82         75
                                       6.125          1,824.82
    PLACERVILLE      CA   95667          5            09/07/02         00
    0434699542                           05           11/01/02          0
    253462                               O            10/01/32
    0

    8087761          964/G02             F          170,000.00         ZZ
                                         360        169,842.55          1
                                       6.375          1,060.58         59
                                       6.125          1,060.58
    AUBURN           CA   95602          5            09/15/02         00
    0434698874                           03           11/01/02          0
    253826                               O            10/01/32
    0

    8087765          964/G02             F          236,000.00         ZZ
                                         360        235,801.73          2
                                       6.875          1,550.35         80
                                       6.625          1,550.35
    SACRAMENTO       CA   95818          1            09/20/02         00
    0434692554                           07           11/01/02          0
    263296                               N            10/01/32
    0

    8087771          964/G02             F          100,400.00         ZZ
                                         360        100,307.01          1
                                       6.375            626.37         80
                                       6.125            626.37
    ROWLETT          TX   75089          1            09/23/02         00
    0434696308                           05           11/01/02          0
    267677                               O            10/01/32
    0

1

    8087775          964/G02             F          226,450.00         ZZ
                                         360        226,235.14          1
                                       6.250          1,394.29         79
                                       6.000          1,394.29
    WOODBURN         OR   97071          2            09/19/02         00
    0434692372                           05           11/01/02          0
    233716                               N            10/01/32
    0

    8087813          P01/G02             F           30,000.00         ZZ
                                         360         29,976.01          1
                                       7.125            202.12         24
                                       6.875            202.12
    CLIFTON PARK     NY   12065          1            09/30/02         00
    0434700431                           05           11/01/02          0
    02003139                             O            10/01/32
    0

    8088123          196/G02             F          199,700.00         ZZ
                                         360        199,519.47          1
                                       6.500          1,262.24         79
                                       6.250          1,262.24
    PHOENIX          AZ   85050          2            09/18/02         00
    0434710109                           03           11/01/02          0
    1326486                              O            10/01/32
    0

    8088159          196/G02             F          100,000.00         ZZ
                                         360         99,907.38          1
                                       6.375            623.87         70
                                       6.125            623.87
    DECATUR          GA   30033          5            09/25/02         00
    0434710182                           05           11/01/02          0
    1327813                              O            10/01/32
    0

    8088213          196/G02             F           77,000.00         ZZ
                                         360         76,932.06          1
                                       6.625            493.04         64
                                       6.375            493.04
    HERTFORD         NC   27944          5            09/23/02         00
    0434735767                           05           11/01/02          0
    1559501                              O            10/01/32
    0

    8088571          P09/G02             F          273,000.00         ZZ
                                         360        272,770.64          1
                                       6.875          1,793.42         84
                                       6.625          1,793.42
1

    MONTGOMERY VILL  MD   20886          5            09/26/02         10
    0434700696                           05           11/01/02         25
    R0209115                             O            10/01/32
    0

    8088819          E82/G02             F           95,800.00         ZZ
                                         360         95,800.00          1
                                       7.000            637.36         80
                                       6.750            637.36
    BRYANT           AR   72022          2            10/02/02         00
    0400697405                           05           12/01/02          0
    0400697405                           O            11/01/32
    0

    8088823          E82/G02             F           55,300.00         ZZ
                                         360         55,300.00          1
                                       6.625            354.09         74
                                       6.375            354.09
    ALIQUIPPA        PA   15001          2            10/02/02         00
    0400683777                           05           12/01/02          0
    0400683777                           O            11/01/32
    0

    8088827          E82/G02             F          197,500.00         ZZ
                                         360        197,500.00          1
                                       6.625          1,264.61         52
                                       6.375          1,264.61
    ARLINGTON        WA   98223          2            10/02/02         00
    0400697595                           03           12/01/02          0
    1887903                              O            11/01/32
    0

    8088843          E82/G02             F           60,700.00         ZZ
                                         360         60,700.00          1
                                       6.500            383.67         46
                                       6.250            383.67
    OLIVET           MI   49076          2            10/01/02         00
    0400698627                           05           12/01/02          0
    4249917                              O            11/01/32
    0

    8088847          E82/G02             F          278,200.00         ZZ
                                         360        278,200.00          1
                                       7.000          1,850.87         57
                                       6.750          1,850.87
    LARKSPUR         CO   80118          2            09/27/02         00
    0400672408                           05           12/01/02          0
    1739494                              O            11/01/32
    0
1

    8088903          U05/G02             F          124,800.00         ZZ
                                         360        124,800.00          1
                                       6.875            819.85         80
                                       6.625            819.85
    PORT ST LUCIE    FL   34983          1            10/01/02         00
    0434699500                           05           12/01/02          0
    3264498                              O            11/01/32
    0

    8089085          E22/G02             F          172,800.00         ZZ
                                         360        172,800.00          1
                                       6.875          1,135.17         80
                                       6.625          1,135.17
    SAINT LOUIS      MO   63109          2            10/02/02         00
    0414620138                           05           12/01/02          0
    0414620138                           O            11/01/32
    0

    8089089          E22/G02             F          201,600.00         ZZ
                                         360        201,404.06          1
                                       6.125          1,224.94         80
                                       5.875          1,224.94
    SEWARD           AK   99664          5            09/26/02         00
    0414664508                           05           11/01/02          0
    0414664508                           O            10/01/32
    0

    8089093          E22/G02             F          126,000.00         ZZ
                                         360        125,886.09          1
                                       6.500            796.41         60
                                       6.250            796.41
    SALEM            OR   97306          2            09/24/02         00
    0414671248                           05           11/01/02          0
    0414671248                           O            10/01/32
    0

    8089095          E22/G02             F           73,800.00         ZZ
                                         360         73,742.43          1
                                       7.250            503.45         90
                                       7.000            503.45
    MANASSAS         VA   22110          2            10/02/02         10
    0414674440                           01           11/01/02         25
    0414674440                           N            10/01/32
    0

    8089101          E22/G02             F          239,900.00         ZZ
                                         360        239,677.81          1
1

                                       6.375          1,496.66         82
                                       6.125          1,496.66
    SAN ANTONIO      TX   78231          2            09/20/02         04
    0414696286                           05           11/01/02         12
    0414696286                           O            10/01/32
    0

    8089119          E22/G02             F           75,000.00         ZZ
                                         360         74,940.02          1
                                       7.125            505.29         79
                                       6.875            505.29
    HOLLAND          OH   43528          5            10/02/02         00
    0414738252                           05           11/01/02          0
    0414738252                           O            10/01/32
    0

    8089125          E22/G02             F           65,000.00         ZZ
                                         360         64,941.24          1
                                       6.500            410.84         65
                                       6.250            410.84
    DELRAY           FL   33446          2            10/01/02         00
    0414744995                           01           11/01/02          0
    0414744995                           O            10/01/32
    0

    8089149          E22/G02             F          173,000.00         ZZ
                                         360        172,843.60          1
                                       6.500          1,093.48         79
                                       6.250          1,093.48
    FORT LAUDERDALE  FL   33309          5            10/02/02         00
    0414784264                           05           11/01/02          0
    0414784264                           O            10/01/32
    0

    8089161          E22/G02             F          113,000.00         ZZ
                                         360        112,911.85          1
                                       7.250            770.86         71
                                       7.000            770.86
    TEQUESTA         FL   33469          5            10/01/02         00
    0414811521                           05           11/01/02          0
    0414811521                           O            10/01/32
    0

    8089197          T29/G02             F          140,000.00         ZZ
                                         360        139,870.33          1
                                       6.375            873.42         50
                                       6.125            873.42
    LINDEN           AZ   85901          1            09/25/02         00
    0434689220                           05           11/01/02          0
1

    1523929                              O            10/01/32
    0

    8089203          E22/G02             F          120,000.00         ZZ
                                         360        119,888.86          1
                                       6.375            748.64         80
                                       6.125            748.64
    PORTLAND         OR   97203          5            09/26/02         00
    0414865139                           05           11/01/02          0
    0414865139                           O            10/01/32
    0

    8089253          E22/G02             F           63,500.00         ZZ
                                         360         63,443.97          1
                                       6.625            406.60         63
                                       6.375            406.60
    STONE MOUNTAIN   GA   30083          5            10/01/02         00
    0414890582                           05           11/01/02          0
    0414890582                           O            10/01/32
    0

    8089321          E22/G02             F          171,500.00         ZZ
                                         360        171,500.00          1
                                       6.250          1,055.95         71
                                       6.000          1,055.95
    PHILOMATH        OR   97370          5            10/01/02         00
    0414957480                           05           12/01/02          0
    0414957480                           O            11/01/32
    0

    8089325          E22/G02             F           90,000.00         ZZ
                                         360         89,918.64          1
                                       6.500            568.86         80
                                       6.250            568.86
    PEARLAND         TX   77581          5            10/01/02         00
    0414960229                           05           11/01/02          0
    0414960229                           O            10/01/32
    0

    8089333          E22/G02             F          196,000.00         ZZ
                                         360        195,814.02          1
                                       6.250          1,206.81         80
                                       6.000          1,206.81
    LIGHTHOUSE POIN  FL   33064          5            10/02/02         00
    0414965061                           05           11/01/02          0
    0414965061                           O            10/01/32
    0

1

    8089353          E22/G02             F          295,000.00         ZZ
                                         360        295,000.00          1
                                       6.750          1,913.36         80
                                       6.500          1,913.36
    CASTRO VALLEY    CA   94546          5            10/01/02         00
    0414976316                           05           12/01/02          0
    0414976316                           O            11/01/32
    0

    8089377          E22/G02             F          167,200.00         ZZ
                                         360        167,200.00          1
                                       6.375          1,043.11         80
                                       6.125          1,043.11
    EAST PROVIDENCE  RI   02915          1            10/07/02         00
    0414992412                           05           12/01/02          0
    0414992412                           O            11/01/32
    0

    8089381          E22/G02             F           97,600.00         ZZ
                                         360         97,600.00          1
                                       7.000            649.34         80
                                       6.750            649.34
    CAMERON PARK     CA   95682          1            09/27/02         00
    0414993832                           09           12/01/02          0
    0414993832                           N            11/01/32
    0

    8089401          E22/G02             F           16,000.00         ZZ
                                         360         16,000.00          1
                                       7.250            109.15         80
                                       7.000            109.15
    KANSAS CITY      MO   64127          2            10/07/02         00
    0415000595                           05           12/01/02          0
    0415000595                           N            11/01/32
    0

    8089405          X07/G02             F           77,400.00         ZZ
                                         360         77,400.00          2
                                       6.875            508.47         90
                                       6.625            508.47
    MILWAUKEE        WI   53216          1            10/04/02         10
    0434697801                           05           12/01/02         25
    6910000730                           N            11/01/32
    0

    8089419          E22/G02             F           71,600.00         ZZ
                                         360         71,600.00          1
                                       6.500            452.56         80
                                       6.250            452.56
1

    LARAMIE          WY   82072          1            10/07/02         00
    0415004993                           07           12/01/02          0
    0415004993                           N            11/01/32
    0

    8089445          E22/G02             F          288,750.00         ZZ
                                         360        288,750.00          1
                                       6.625          1,848.90         75
                                       6.375          1,848.90
    SANTEE           CA   92071          5            10/02/02         00
    0415025691                           05           12/01/02          0
    0415025691                           O            11/01/32
    0

    8089457          E22/G02             F          200,000.00         ZZ
                                         360        200,000.00          1
                                       6.750          1,297.20         63
                                       6.500          1,297.20
    NEVADA CITY      CA   95959          1            09/30/02         00
    0415031004                           05           12/01/02          0
    0415031004                           N            11/01/32
    0

    8089467          E22/G02             F          116,000.00         ZZ
                                         360        116,000.00          1
                                       6.375            723.69         80
                                       6.125            723.69
    DES PLAINES      IL   60018          2            10/01/02         00
    0415038017                           09           12/01/02          0
    0415038017                           O            11/01/32
    0

    8089491          E22/G02             F          114,300.00         ZZ
                                         360        114,213.03          1
                                       7.375            789.44         90
                                       7.125            789.44
    BEDFORD          TX   76021          1            10/04/02         04
    0415041607                           09           11/01/02         25
    0415041607                           O            10/01/32
    0

    8089497          T29/G02             F          187,200.00         ZZ
                                         360        187,030.77          1
                                       6.500          1,183.23         80
                                       6.250          1,183.23
    GLENDALE         AZ   85306          1            09/25/02         00
    0434696100                           05           11/01/02          0
    1524116                              O            10/01/32
    0
1

    8089529          E22/G02             F          110,000.00         ZZ
                                         360        109,902.95          1
                                       6.625            704.34         48
                                       6.375            704.34
    JUPITER          FL   33458          1            10/07/02         00
    0415097989                           09           11/01/02          0
    0415097989                           O            10/01/32
    0

    8089531          E22/G02             F          181,600.00         ZZ
                                         360        181,419.22          1
                                       6.000          1,088.78         80
                                       5.750          1,088.78
    AUBURN           WA   98001          1            10/02/02         00
    0415111400                           05           11/01/02          0
    0415111400                           O            10/01/32
    0

    8089541          E22/G02             F          277,500.00         ZZ
                                         360        277,249.14          1
                                       6.500          1,753.99         75
                                       6.250          1,753.99
    SALT LAKE CITY   UT   84106          5            09/30/02         00
    0415134949                           05           11/01/02          0
    0415134949                           O            10/01/32
    0

    8090085          964/G02             F           97,000.00         ZZ
                                         360         96,907.96          1
                                       6.250            597.25         57
                                       6.000            597.25
    PACIFIC CITY     OR   97135          2            09/20/02         00
    0434692653                           05           11/01/02          0
    266137                               O            10/01/32
    0

    8090089          964/G02             F          146,250.00         ZZ
                                         360        146,120.96          1
                                       6.625            936.46         75
                                       6.375            936.46
    GRASS VALLEY     CA   95945          5            09/21/02         00
    0434681664                           05           11/01/02          0
    266456                               O            10/01/32
    0

    8090097          964/G02             F          190,000.00         ZZ
                                         360        189,819.72          1
1

                                       6.250          1,169.86         80
                                       6.000          1,169.86
    BRIGHTON         CO   80601          1            09/27/02         00
    0434686119                           03           11/01/02          0
    267087                               O            10/01/32
    0

    8090105          964/G02             F          224,654.00         ZZ
                                         360        224,450.91          1
                                       6.500          1,419.97         80
                                       6.250          1,419.97
    LAFAYETTE        CO   80026          1            09/30/02         00
    0434696423                           03           11/01/02          0
    268120                               O            10/01/32
    0

    8090109          964/G02             F          104,400.00         ZZ
                                         360        104,303.31          1
                                       6.375            651.32         90
                                       6.125            651.32
    TWIN FALLS       ID   83301          1            09/24/02         04
    0434691283                           05           11/01/02         25
    271011                               O            10/01/32
    0

    8090787          E57/G02             F          132,000.00         ZZ
                                         360        132,000.00          1
                                       6.375            823.51         80
                                       6.125            823.51
    DIAMOND BAR      CA   91765          1            09/30/02         00
    0434779575                           01           12/01/02          0
    06009862                             O            11/01/32
    0

    8091173          F36/G02             F           96,100.00         ZZ
                                         360         96,100.00          1
                                       6.500            607.42         70
                                       6.250            607.42
    TACOMA           WA   98409          1            10/02/02         00
    0434701850                           05           12/01/02          0
    06405213                             N            11/01/32
    0

    8091269          369/G02             F           84,000.00         ZZ
                                         360         83,929.42          2
                                       6.875            551.83         80
                                       6.625            551.83
    ARLINGTON        TX   76011          1            09/12/02         00
    0434735858                           05           11/01/02          0
1

    0074435132                           N            10/01/32
    0

    8091291          P44/G02             F          106,500.00         T
                                         360        106,500.00          1
                                       6.750            690.76         75
                                       6.500            690.76
    BELMONT          NH   03220          5            10/03/02         00
    0434726238                           05           12/01/02          0
    1                                    O            11/01/32
    0

    8091305          L86/G02             F          300,700.00         ZZ
                                         360        300,428.16          1
                                       6.500          1,900.63         59
                                       6.250          1,900.63
    PACIFICA         CA   94112          2            09/26/02         00
    0434700795                           05           11/01/02          0
    14500280                             N            10/01/32
    0

    8091417          964/G02             F          142,000.00         ZZ
                                         360        141,868.48          1
                                       6.375            885.90         40
                                       6.125            885.90
    SANTA CRUZ       CA   95062          2            09/10/02         00
    0434681854                           09           11/01/02          0
    242626                               O            10/01/32
    0

    8091421          964/G02             F          104,400.00         ZZ
                                         360        104,310.11          1
                                       6.750            677.14         90
                                       6.500            677.14
    COLORADO SPRING  CO   80916          1            09/30/02         04
    0434695300                           05           11/01/02         30
    263009                               N            10/01/32
    0

    8091433          964/G02             F          168,000.00         ZZ
                                         360        167,844.40          1
                                       6.375          1,048.10         56
                                       6.125          1,048.10
    ORANGE           CA   92868          5            09/03/02         00
    0434731089                           05           11/01/02          0
    248423                               O            10/01/32
    0

1

    8091651          P09/G02             F          227,000.00         ZZ
                                         240        227,000.00          1
                                       6.625          1,709.20         93
                                       6.375          1,709.20
    ACCOKEEK         MD   20607          2            10/03/02         10
    0434713830                           05           12/01/02         30
    THOMPSON                             O            11/01/22
    0

    8092071          477/G02             F          127,200.00         ZZ
                                         360        127,093.14          1
                                       6.875            835.61         80
                                       6.625            835.61
    RIALTO           CA   92376          1            09/06/02         00
    0434689436                           05           11/01/02          0
    234008                               O            10/01/32
    0

    8092187          J40/G02             F          164,000.00         ZZ
                                         360        163,862.22          1
                                       6.875          1,077.36         50
                                       6.625          1,077.36
    BIRMINGHAM       AL   35205          5            09/11/02         00
    0434778924                           08           11/01/02          0
    7755399                              O            10/01/32
    0

    8092189          W17/G02             F           61,200.00         T
                                         360         61,200.00          1
                                       7.250            417.49         80
                                       7.000            417.49
    CORAL SPRINGS    FL   33065          1            10/07/02         00
    0434700373                           01           12/01/02          0
    020254                               O            11/01/32
    0

    8092235          N74/G02             F           94,900.00         ZZ
                                         240         94,700.62          1
                                       6.250            693.65         80
                                       6.000            693.65
    OLIN             NC   28660          5            09/30/02         00
    0434691853                           05           11/04/02          0
    0030838030                           O            10/04/22
    0

    8092265          N47/G02             F          230,000.00         T
                                         360        229,781.77          1
                                       6.250          1,416.15         77
                                       6.000          1,416.15
1

    CHICO            CA   95926          1            09/27/02         00
    0434756706                           05           11/01/02          0
    20620637                             O            10/01/32
    0

    8092813          286/286             F          188,000.00         ZZ
                                         360        187,675.35          1
                                       6.750          1,219.37         80
                                       6.500          1,219.37
    RESEDA AREA      CA   91335          2            08/06/02         00
    782615                               05           10/01/02          0
    782615                               O            09/01/32
    0

    8092845          286/286             F          139,100.00         ZZ
                                         360        138,535.34          1
                                       6.500            879.21         80
                                       6.250            879.21
    THOMASTON        CT   06787          1            08/15/02         00
    1445151                              05           10/01/02          0
    1445151                              O            09/01/32
    0

    8092853          286/286             F           58,500.00         T
                                         360         58,396.47          1
                                       6.625            374.59         90
                                       6.375            374.59
    PHILIPSBURG      MT   59858          1            08/15/02         11
    1456378                              05           10/01/02         25
    1456378                              O            09/01/32
    0

    8092877          286/286             F          195,000.00         ZZ
                                         360        194,471.68          2
                                       6.875          1,281.01         78
                                       6.625          1,281.01
    TUCSON           AZ   85719          2            08/01/02         00
    1413513                              05           09/01/02          0
    1413513                              O            08/01/32
    0

    8092893          286/286             F          135,000.00         ZZ
                                         360        134,766.88          1
                                       6.750            875.61         90
                                       6.500            875.61
    AURORA           CO   80017          1            08/06/02         12
    1432847                              01           10/01/02         25
    1432847                              O            09/01/32
    0
1

    8092899          286/286             F          178,200.00         ZZ
                                         360        177,860.94          1
                                       6.250          1,097.21         77
                                       6.000          1,097.21
    MISSOURI CITY    TX   77459          2            08/12/02         00
    1468778                              03           10/01/02          0
    1468778                              O            09/01/32
    0

    8092927          286/286             F           74,250.00         ZZ
                                         360         74,041.36          1
                                       7.000            493.99         90
                                       6.750            493.99
    PAHRUMP          NV   89060          1            07/11/02         14
    1351970                              05           09/01/02         25
    1351970                              O            08/01/32
    0

    8092955          286/286             F          193,200.00         ZZ
                                         360        192,866.36          1
                                       6.750          1,253.10         84
                                       6.500          1,253.10
    SCIO             OR   97374          1            08/01/02         14
    1449113                              05           10/01/02         12
    1449113                              O            09/01/32
    0

    8092989          286/286             F           54,000.00         ZZ
                                         360         53,869.68          1
                                       7.125            363.81         39
                                       6.875            363.81
    RESTON           VA   20190          2            07/30/02         00
    1442638                              01           09/01/02          0
    1442638                              O            08/01/32
    0

    8092993          286/286             F          136,750.00         ZZ
                                         360        136,541.24          1
                                       7.375            944.50         80
                                       7.125            944.50
    NEWARK           NJ   07114          1            08/21/02         00
    1446120                              05           10/01/02          0
    1446120                              O            09/01/32
    0

    8092997          286/286             F          160,000.00         T
                                         360        159,749.60          1
1

                                       7.250          1,091.49         80
                                       7.000          1,091.49
    WELLINGTON       FL   33414          1            08/13/02         00
    1435887                              03           10/01/02          0
    1435887                              O            09/01/32
    0

    8092999          286/286             F          170,190.00         ZZ
                                         360        169,923.66          1
                                       7.250          1,161.00         90
                                       7.000          1,161.00
    CHICAGO          IL   60618          1            08/13/02         11
    1398118                              01           10/01/02         25
    1398118                              O            09/01/32
    0

    8093013          286/286             F          121,500.00         ZZ
                                         360        121,305.10          2
                                       7.125            818.57         90
                                       6.875            818.57
    CHESTNUTHILL     PA   18322          2            08/20/02         11
    1410797                              05           10/01/02         25
    1410797                              O            09/01/32
    0

    8093015          286/286             F           61,600.00         T
                                         360         61,439.98          1
                                       6.750            399.54         80
                                       6.500            399.54
    TEMPE            AZ   85281          1            07/26/02         00
    1411831                              01           09/01/02          0
    1411831                              O            08/01/32
    0

    8093021          286/286             F          187,110.00         ZZ
                                         360        186,794.70          1
                                       6.875          1,229.18         90
                                       6.625          1,229.18
    PEMBROKE PINES   FL   33026          1            08/13/02         21
    1479311                              05           10/01/02         25
    1479311                              O            09/01/32
    0

    8093027          286/286             F           60,000.00         ZZ
                                         360         59,896.39          1
                                       6.750            389.16         67
                                       6.500            389.16
    VERO BEACH       FL   32966          1            08/15/02         00
    1480283                              01           10/01/02          0
1

    1480283                              O            09/01/32
    0

    8093069          286/286             F          172,000.00         ZZ
                                         360        171,314.23          1
                                       6.500          1,087.16         80
                                       6.250          1,087.16
    ORLAND           CA   95963          1            07/30/02         00
    1461887                              09           09/01/02          0
    1461887                              O            08/01/32
    0

    8093075          286/286             F          186,800.00         ZZ
                                         360        186,326.47          1
                                       6.875          1,227.15         75
                                       6.625          1,227.15
    SCAPPOOSE        OR   97056          2            07/29/02         00
    1328242                              05           09/01/02          0
    1328242                              O            08/01/32
    0

    8093079          286/286             F           85,000.00         ZZ
                                         360         84,762.55          1
                                       6.375            530.29         66
                                       6.125            530.29
    CHICO            CA   95928          2            07/17/02         00
    1385562                              01           09/01/02          0
    1385562                              O            08/01/32
    0

    8093083          286/286             F          171,000.00         ZZ
                                         360        170,718.84          1
                                       7.000          1,137.67         90
                                       6.750          1,137.67
    HACKENSACK       NJ   07601          1            08/16/02         10
    1440447                              01           10/01/02         25
    1440447                              O            09/01/32
    0

    8093085          E47/G02             F          114,800.00         ZZ
                                         360        114,705.90          1
                                       7.000            763.77         73
                                       6.750            763.77
    CHARLOTTE        NC   28269          1            09/30/02         00
    0434698627                           05           11/01/02          0
    7350510328                           O            10/01/32
    0

1

    8093087          286/286             F          138,000.00         T
                                         360        137,761.69          1
                                       6.750            895.07         80
                                       6.500            895.07
    ORLANDO          FL   32808          1            08/15/02         00
    1491319                              03           10/01/02          0
    1491319                              O            09/01/32
    0

    8093089          286/286             F          128,700.00         ZZ
                                         360        128,435.78          2
                                       6.750            834.75         90
                                       6.500            834.75
    PROVIDENCE       RI   02903          1            08/05/02         12
    1441351                              05           10/01/02         25
    1441351                              O            09/01/32
    0

    8093095          286/286             F          137,700.00         ZZ
                                         360        137,473.60          1
                                       7.000            916.12         90
                                       6.750            916.12
    SPARKS           NV   89436          1            08/15/02         10
    1432327                              05           10/01/02         25
    1432327                              O            09/01/32
    0

    8093113          286/286             F          118,400.00         T
                                         360        118,163.77          1
                                       6.750            767.95         80
                                       6.500            767.95
    MARGATE          FL   33068          1            08/02/02         00
    1386472                              05           10/01/02          0
    1386472                              O            09/01/32
    0

    8093131          286/286             F           78,400.00         ZZ
                                         360         78,277.31          1
                                       7.250            534.83         80
                                       7.000            534.83
    COLCHESTER       CT   06415          1            08/13/02         00
    1411386                              01           10/01/02          0
    1411386                              O            09/01/32
    0

    8093137          286/286             F          135,000.00         ZZ
                                         360        134,631.86          2
                                       6.500            853.30         90
                                       6.250            853.30
1

    CORVALLIS        OR   97333          1            07/31/02         14
    1454276                              05           09/01/02         25
    1454276                              O            08/01/32
    0

    8093149          286/286             F          175,000.00         ZZ
                                         360        174,404.17          1
                                       6.500          1,106.12         75
                                       6.250          1,106.12
    GROVER BEACH     CA   93433          2            07/29/02         00
    1411525                              05           09/01/02          0
    1411525                              O            08/01/32
    0

    8093151          286/286             F           68,000.00         ZZ
                                         360         67,876.71          1
                                       6.500            429.81         40
                                       6.250            429.81
    DRAPER           UT   84020          1            08/08/02         00
    1391670                              05           10/01/02          0
    1391670                              O            09/01/32
    0

    8093163          286/286             F          137,250.00         ZZ
                                         360        136,983.22          1
                                       6.375            856.27         90
                                       6.125            856.27
    WEST LINN        OR   97068          1            08/15/02         11
    1468150                              05           10/01/02         25
    1468150                              O            09/01/32
    0

    8093171          286/286             F          173,200.00         ZZ
                                         360        172,878.30          1
                                       6.375          1,080.55         68
                                       6.125          1,080.55
    FRISCO           TX   75089          1            08/14/02         00
    1428127                              03           10/01/02          0
    1428127                              O            09/01/32
    0

    8093183          286/286             F          117,500.00         ZZ
                                         360        117,306.81          2
                                       7.000            781.73         74
                                       6.750            781.73
    NEW ORLEANS      LA   70115          2            08/16/02         00
    1487365                              05           10/01/02          0
    1487365                              O            09/01/32
    0
1

    8093205          286/286             F          140,000.00         ZZ
                                         360        139,752.27          2
                                       6.625            896.44         80
                                       6.375            896.44
    TUCSON           AZ   85719          1            08/13/02         00
    1483276                              05           10/01/02          0
    1483276                              O            09/01/32
    0

    8093217          286/286             F          171,000.00         ZZ
                                         240        169,747.15          1
                                       6.625          1,287.55         47
                                       6.375          1,287.55
    LAKE FOREST      CA   92630          2            07/30/02         00
    1398288                              03           09/01/02          0
    1398288                              O            08/01/22
    0

    8093227          286/286             F          192,000.00         ZZ
                                         360        191,666.40          1
                                       6.875          1,261.31         80
                                       6.625          1,261.31
    ARNOLD           MD   21012          1            08/22/02         00
    1356395                              05           10/01/02          0
    1356395                              O            09/01/32
    0

    8093241          286/286             F           71,000.00         ZZ
                                         360         70,938.87          1
                                       6.750            460.51         67
                                       6.500            460.51
    AKRON            IN   46910          2            09/23/02         00
    1387650                              05           11/01/02          0
    1387650                              O            10/01/32
    0

    8093247          286/286             F          139,500.00         ZZ
                                         360        139,260.23          1
                                       6.875            916.42         90
                                       6.625            916.42
    LA QUINTA        CA   92253          1            08/09/02         10
    1435285                              05           10/01/02         25
    1435285                              O            09/01/32
    0

    8093249          286/286             F          175,500.00         T
                                         360        175,181.84          1
1

                                       6.500          1,109.28         75
                                       6.250          1,109.28
    BIG BEAR LAKE    CA   92315          1            08/07/02         00
    1456333                              05           10/01/02          0
    1456333                              O            09/01/32
    0

    8093261          286/286             F          119,900.00         ZZ
                                         360        119,687.83          1
                                       6.625            767.74         76
                                       6.375            767.74
    BOZEMAN          MT   59715          1            08/14/02         00
    1449001                              05           10/01/02          0
    1449001                              O            09/01/32
    0

    8093265          286/286             F          180,000.00         ZZ
                                         360        179,532.44          1
                                       6.750          1,167.48         44
                                       6.500          1,167.48
    SAN DIEGO        CA   92131          2            07/26/02         00
    0001107217                           05           09/01/02          0
    0001107217                           O            08/01/32
    0

    8093269          286/286             F          189,000.00         ZZ
                                         360        188,575.99          1
                                       7.500          1,321.52         84
                                       7.250          1,321.52
    NORWALK          CA   90650          2            07/19/02         11
    0000809475                           05           09/01/02         12
    0000809475                           O            08/01/32
    0

    8093287          286/286             F          165,000.00         ZZ
                                         240        164,345.22          1
                                       6.750          1,254.60         83
                                       6.500          1,254.60
    BALDWIN PARK     CA   91706          2            08/06/02         14
    0001107698                           05           10/01/02         12
    0001107698                           O            09/01/22
    0

    8093297          286/286             F          139,000.00         ZZ
                                         360        138,621.00          1
                                       6.500            878.57         40
                                       6.250            878.57
    EL CAJON         CA   92021          2            07/29/02         00
    0000802152                           05           09/01/02          0
1

    0000802152                           O            08/01/32
    0

    8093311          286/286             F          172,000.00         ZZ
                                         360        171,588.72          1
                                       6.875          1,129.92         77
                                       6.625          1,129.92
    BEND             OR   97701          2            08/13/02         00
    0000815414                           05           10/01/02          0
    0000815414                           O            09/01/32
    0

    8093323          286/286             F          135,000.00         ZZ
                                         360        134,772.53          1
                                       6.875            886.85         68
                                       6.625            886.85
    SAN DIEGO        CA   92128          2            08/08/02         00
    0001108994                           01           10/01/02          0
    0001108994                           O            09/01/32
    0

    8093327          286/286             F          163,950.00         ZZ
                                         360        163,534.43          1
                                       6.875          1,077.03         80
                                       6.625          1,077.03
    RIALTO           CA   92377          1            07/24/02         00
    0000742850                           05           09/01/02          0
    0000742850                           O            08/01/32
    0

    8093335          286/286             F          140,900.00         ZZ
                                         360        140,644.57          1
                                       6.500            890.58         55
                                       6.250            890.58
    ANAHEIM          CA   92808          1            08/08/02         00
    0001110000                           01           10/01/02          0
    0001110000                           O            09/01/32
    0

    8093341          286/286             F          195,000.00         ZZ
                                         360        194,663.27          1
                                       6.750          1,264.77         77
                                       6.500          1,264.77
    BURBANK AREA     CA   91504          2            08/15/02         00
    1453643                              01           10/01/02          0
    1453643                              O            09/01/32
    0

1

    8093345          286/286             F          161,600.00         ZZ
                                         360        161,159.33          1
                                       6.500          1,021.43         80
                                       6.250          1,021.43
    WHITEHOUSE       TX   75791          1            08/16/02         00
    1471550                              05           09/01/02          0
    1471550                              O            08/01/32
    0

    8093349          286/286             F          116,000.00         T
                                         360        115,784.55          1
                                       6.375            723.69         80
                                       6.125            723.69
    OVERGAARD        AZ   85933          1            08/08/02         00
    1481934                              05           10/01/02          0
    1481934                              O            09/01/32
    0

    8093695          N74/G02             F           40,000.00         ZZ
                                         360         39,960.18          1
                                       6.000            239.82         36
                                       5.750            239.82
    SPRINGFIELD      MO   65802          5            10/02/02         00
    0434690301                           05           11/07/02          0
    0030846010                           O            10/07/32
    0

    8093705          L76/G02             F          113,500.00         ZZ
                                         360        113,500.00          1
                                       6.000            680.49         78
                                       5.750            680.49
    FARIBAULT        MN   55021          5            10/04/02         00
    0434777397                           05           12/01/02          0
    9507048                              O            11/01/32
    0

    8093743          L76/G02             F           69,600.00         ZZ
                                         360         69,600.00          1
                                       6.375            434.21         80
                                       6.125            434.21
    WATERVILLE       MN   56096          5            10/04/02         00
    0434721635                           05           12/01/02          0
    9506316                              O            11/01/32
    0

    8093835          K79/G02             F          159,000.00         ZZ
                                         240        159,000.00          1
                                       6.500          1,185.46         62
                                       6.250          1,185.46
1

    RANDOLPH         MA   02368          2            10/03/02         00
    0434705331                           05           12/01/02          0
    15226                                O            11/01/22
    0

    8093865          E22/G02             F          100,000.00         ZZ
                                         360        100,000.00          1
                                       6.875            656.93         61
                                       6.625            656.93
    ALBUQUERQUE      NM   87105          5            10/03/02         00
    0414715185                           05           12/01/02          0
    0414715185                           O            11/01/32
    0

    8093871          E22/G02             F          188,900.00         ZZ
                                         360        188,748.94          1
                                       7.125          1,272.65         90
                                       6.875          1,272.65
    STOCKBRIDGE      GA   30281          1            09/25/02         10
    0414726042                           03           11/01/02         25
    0414726042                           O            10/01/32
    0

    8093873          E22/G02             F           97,500.00         ZZ
                                         360         97,500.00          1
                                       7.250            665.12         95
                                       7.000            665.12
    DAPHNE           AL   36526          2            10/03/02         01
    0414733865                           05           12/01/02         30
    0414733865                           O            11/01/32
    0

    8093893          E22/G02             F           80,550.00         ZZ
                                         360         80,550.00          1
                                       6.625            515.77         90
                                       6.375            515.77
    PORT ST. LUCIE   FL   34953          5            10/04/02         04
    0414803510                           05           12/01/02         25
    0414803510                           O            11/01/32
    0

    8093901          E22/G02             F          122,000.00         ZZ
                                         360        122,000.00          1
                                       6.375            761.12         83
                                       6.125            761.12
    GLEN BURNIE      MD   21060          2            10/03/02         04
    0414814178                           05           12/01/02         12
    0414814178                           O            11/01/32
    0
1

    8093913          E22/G02             F          130,000.00         ZZ
                                         360        130,000.00          1
                                       6.250            800.43         44
                                       6.000            800.43
    ANTIOCH          CA   94509          1            10/01/02         00
    0414831842                           05           12/01/02          0
    0414831842                           N            11/01/32
    0

    8093919          E22/G02             F          109,600.00         ZZ
                                         360        109,600.00          1
                                       6.750            710.86         80
                                       6.500            710.86
    ASHEVILLE        NC   28806          1            10/08/02         00
    0414845842                           05           12/01/02          0
    0414845842                           N            11/01/32
    0

    8093937          E22/G02             F          128,000.00         ZZ
                                         360        127,887.07          1
                                       6.625            819.60         80
                                       6.375            819.60
    RALIEGH          NC   27613          2            09/13/02         00
    0414617449                           03           11/01/02          0
    0414617449                           O            10/01/32
    0

    8093939          E22/G02             F          123,500.00         ZZ
                                         360        123,500.00          1
                                       6.375            770.48         95
                                       6.125            770.48
    TREMONTON        UT   84337          2            09/30/02         04
    0414633412                           05           12/01/02         30
    0414633412                           O            11/01/32
    0

    8093971          E22/G02             F          134,000.00         ZZ
                                         360        134,000.00          1
                                       6.375            835.99         80
                                       6.125            835.99
    ALBUQUERQUE      NM   87114          2            10/02/02         00
    0414893834                           05           12/01/02          0
    0414893834                           O            11/01/32
    0

    8093987          E22/G02             F          132,000.00         ZZ
                                         360        132,000.00          1
1

                                       6.250            812.75         80
                                       6.000            812.75
    NAUGATUCK        CT   06770          5            10/03/02         00
    0414902254                           05           12/01/02          0
    0414902254                           O            11/01/32
    0

    8094013          E22/G02             F          215,000.00         ZZ
                                         360        215,000.00          2
                                       6.875          1,412.40         80
                                       6.625          1,412.40
    JAMAICA          NY   11435          2            10/02/02         00
    0414926071                           05           12/01/02          0
    0414926071                           O            11/01/32
    0

    8094025          E22/G02             F           85,000.00         ZZ
                                         240         85,000.00          1
                                       6.875            652.64         85
                                       6.625            652.64
    COKER            AL   35452          5            10/03/02         11
    0414941351                           05           12/01/02         12
    0414941351                           O            11/01/22
    0

    8094027          E22/G02             F          109,500.00         ZZ
                                         360        109,500.00          1
                                       6.875            719.34         90
                                       6.625            719.34
    KATY             TX   77449          2            10/03/02         01
    0414944579                           03           12/01/02         25
    0414944579                           O            11/01/32
    0

    8094033          E22/G02             F          300,000.00         ZZ
                                         360        300,000.00          1
                                       6.250          1,847.15         67
                                       6.000          1,847.15
    MIAMI            FL   33178          5            10/03/02         00
    0414958314                           03           12/01/02          0
    0414958314                           O            11/01/32
    0

    8094037          E22/G02             F          153,000.00         ZZ
                                         360        153,000.00          1
                                       6.750            992.36         80
                                       6.500            992.36
    FORT WORTH       TX   76110          5            10/01/02         00
    0414966796                           05           12/01/02          0
1

    0414966796                           O            11/01/32
    0

    8094043          E22/G02             F          213,600.00         ZZ
                                         360        213,600.00          1
                                       6.500          1,350.10         80
                                       6.250          1,350.10
    MANASSAS         VA   20109          5            10/03/02         00
    0414972414                           05           12/01/02          0
    0414972414                           O            11/01/32
    0

    8094051          E22/G02             F          152,000.00         ZZ
                                         360        152,000.00          1
                                       6.750            985.87         80
                                       6.500            985.87
    NEW BRAUNFELS    TX   78132          5            10/04/02         00
    0414980508                           05           12/01/02          0
    0414980508                           N            11/01/32
    0

    8094057          E22/G02             F          136,000.00         ZZ
                                         360        136,000.00          1
                                       6.875            893.42         80
                                       6.625            893.42
    AUSTIN           TX   78748          5            10/01/02         00
    0414989913                           05           12/01/02          0
    0414989913                           O            11/01/32
    0

    8094059          E22/G02             F          104,550.00         ZZ
                                         360        104,550.00          1
                                       6.875            686.82         85
                                       6.625            686.82
    LAKE WORTH       FL   33460          5            10/03/02         01
    0414990226                           05           12/01/02         12
    0414990226                           O            11/01/32
    0

    8094105          E22/G02             F          145,600.00         ZZ
                                         360        145,600.00          1
                                       6.375            908.35         80
                                       6.125            908.35
    PUEBLO WEST      CO   81007          2            10/08/02         00
    0415042548                           05           12/01/02          0
    0415042548                           N            11/01/32
    0

1

    8094117          E22/G02             F           69,000.00         ZZ
                                         360         69,000.00          1
                                       7.375            476.57         73
                                       7.125            476.57
    BELLEVUE         NE   68147          2            10/08/02         00
    0415050756                           05           12/01/02          0
    0415050756                           N            11/01/32
    0

    8094133          E22/G02             F          160,000.00         ZZ
                                         360        160,000.00          1
                                       7.375          1,105.08         85
                                       7.125          1,105.08
    STERLING HEIGHT  MI   48310          1            10/08/02         04
    0415061399                           05           12/01/02         25
    0415061399                           O            11/01/32
    0

    8094145          E22/G02             F          186,000.00         ZZ
                                         360        185,827.73          1
                                       6.375          1,160.40         75
                                       6.125          1,160.40
    MONKTON          MD   21111          2            10/02/02         00
    0415079235                           05           11/01/02          0
    0415079235                           O            10/01/32
    0

    8094165          E47/G02             F          192,000.00         ZZ
                                         360        191,830.60          1
                                       6.625          1,229.40         80
                                       6.375          1,229.40
    TROY             MI   48098          5            09/20/02         00
    0434697645                           05           11/01/02          0
    7360514218                           O            10/01/32
    0

    8094333          E47/G02             F          168,000.00         ZZ
                                         360        167,858.86          1
                                       6.875          1,103.64         69
                                       6.625          1,103.64
    ELLICOTT CITY    MD   21043          2            09/25/02         00
    0434698437                           07           11/01/02          0
    7341510152                           O            10/01/32
    0

    8094665          P44/G02             F          180,000.00         ZZ
                                         360        179,829.21          1
                                       6.250          1,108.29         50
                                       6.000          1,108.29
1

    BARNSTABLE       MA   02647          5            09/30/02         00
    0434706768                           05           11/01/02          0
    0011798                              O            10/01/32
    0

    8094823          P44/G02             F          223,200.00         T
                                         360        223,200.00          1
                                       6.250          1,374.28         80
                                       6.000          1,374.28
    DENNIS (WEST)    MA   02670          1            10/04/02         00
    0434697173                           05           12/01/02          0
    1                                    O            11/01/32
    0

    8094827          E57/G02             F          300,000.00         ZZ
                                         360        299,722.14          1
                                       6.375          1,871.61         80
                                       6.125          1,871.61
    ANAHEIM          CA   92806          2            09/23/02         00
    0434730552                           05           11/01/02          0
    06009451                             O            10/01/32
    0

    8095173          R84/G02             F          161,650.00         ZZ
                                         360        161,503.86          1
                                       6.500          1,021.74         81
                                       6.250          1,021.74
    LAS VEGAS        NV   89121          2            09/20/02         10
    0434712055                           05           11/01/02         12
    LVR4677                              O            10/01/32
    0

    8095259          964/G02             F          106,000.00         ZZ
                                         360        105,812.44          1
                                       6.625            678.73         52
                                       6.375            678.73
    TEMECULA         CA   92591          2            08/13/02         00
    0434698106                           05           10/01/02          0
    226126                               O            09/01/32
    0

    8095261          964/G02             F          177,000.00         ZZ
                                         360        176,839.99          1
                                       6.500          1,118.76         64
                                       6.250          1,118.76
    MONTE VISTA      CO   81144          2            09/16/02         00
    0434684403                           05           11/01/02          0
    255908                               O            10/01/32
    0
1

    8095263          964/G02             F          184,950.00         ZZ
                                         360        184,774.51          1
                                       6.250          1,138.77         45
                                       6.000          1,138.77
    RENO             NV   89511          1            09/10/02         00
    0434699575                           03           11/01/02          0
    179438                               O            10/01/32
    0

    8095265          964/G02             F          197,000.00         ZZ
                                         360        196,826.19          1
                                       6.625          1,261.41         50
                                       6.375          1,261.41
    PRESCOTT         AZ   86305          2            09/11/02         00
    0434690467                           05           11/01/02          0
    254519                               O            10/01/32
    0

    8095267          964/G02             F          150,000.00         ZZ
                                         360        149,877.05          1
                                       7.000            997.95         79
                                       6.750            997.95
    GEORGETOWN       CA   95634          1            09/04/02         00
    0434695862                           05           11/01/02          0
    227843                               O            10/01/32
    0

    8095269          964/G02             F          275,000.00         ZZ
                                         360        274,751.39          1
                                       6.500          1,738.19         70
                                       6.250          1,738.19
    FAIRFAX          CA   94930          2            09/12/02         00
    0434690863                           09           11/01/02          0
    240607                               O            10/01/32
    0

    8095273          964/G02             F          254,000.00         ZZ
                                         360        253,775.90          1
                                       6.625          1,626.39         93
                                       6.375          1,626.39
    TEMPE            AZ   85281          2            09/10/02         01
    0434693115                           05           11/01/02         30
    251166                               O            10/01/32
    0

    8095275          964/G02             F          210,000.00         ZZ
                                         360        209,790.94          1
1

                                       6.000          1,259.06         47
                                       5.750          1,259.06
    PETALUMA         CA   94954          5            09/11/02         00
    0434681565                           05           11/01/02          0
    253877                               O            10/01/32
    0

    8095283          964/G02             F          232,000.00         ZZ
                                         360        231,785.12          1
                                       6.375          1,447.38         80
                                       6.125          1,447.38
    HENDERSON        NV   89014          1            09/16/02         00
    0434698338                           03           11/01/02          0
    266269                               O            10/01/32
    0

    8095287          964/G02             F          300,700.00         ZZ
                                         360        300,421.49          1
                                       6.375          1,875.98         75
                                       6.125          1,875.98
    BREA             CA   92823          1            09/18/02         00
    0434690624                           03           11/01/02          0
    211942                               O            10/01/32
    0

    8095291          964/G02             F          300,700.00         ZZ
                                         360        300,428.16          1
                                       6.500          1,900.63         42
                                       6.250          1,900.63
    CAMARILLO        CA   93012          2            09/05/02         00
    0434691416                           05           11/01/02          0
    241518                               O            10/01/32
    0

    8095295          964/G02             F          275,000.00         ZZ
                                         360        274,739.07          1
                                       6.250          1,693.22         44
                                       6.000          1,693.22
    OAKLAND          CA   94602          5            09/13/02         00
    0434730602                           05           11/01/02          0
    245079                               O            10/01/32
    0

    8095297          964/G02             F          154,000.00         T
                                         360        153,870.62          1
                                       6.875          1,011.67         67
                                       6.625          1,011.67
    MAMMOTH LAKES    CA   93546          5            09/12/02         00
    0434695920                           09           11/01/02          0
1

    245815                               O            10/01/32
    0

    8095299          964/G02             F           50,000.00         ZZ
                                         360         49,954.80          1
                                       6.500            316.03         22
                                       6.250            316.03
    SACRAMENTO       CA   95825          5            09/09/02         00
    0434695052                           05           11/01/02          0
    249848                               O            10/01/32
    0

    8095301          964/G02             F          250,000.00         ZZ
                                         360        249,784.75          1
                                       6.750          1,621.50         54
                                       6.500          1,621.50
    BURBANK          CA   91506          5            09/13/02         00
    0434690434                           05           11/01/02          0
    250442                               O            10/01/32
    0

    8095303          964/G02             F           57,500.00         ZZ
                                         360         57,450.50          1
                                       6.750            372.94         50
                                       6.500            372.94
    PHOENIX          AZ   85008          1            09/23/02         00
    0434691648                           05           11/01/02          0
    252530                               O            10/01/32
    0

    8095305          964/G02             F          299,700.00         ZZ
                                         360        299,448.21          1
                                       6.875          1,968.82         40
                                       6.625          1,968.82
    SONOMA           CA   95476          2            09/18/02         00
    0434686960                           05           11/01/02          0
    254074                               O            10/01/32
    0

    8095307          964/G02             F          177,200.00         ZZ
                                         360        177,031.87          1
                                       6.250          1,091.05         71
                                       6.000          1,091.05
    PASO ROBLES      CA   93446          2            09/13/02         00
    0434692117                           05           11/01/02          0
    256701                               O            10/01/32
    0

1

    8095311          964/G02             F          122,250.00         ZZ
                                         360        122,139.49          1
                                       6.500            772.70         75
                                       6.250            772.70
    COLORADO SPRING  CO   80909          5            09/16/02         00
    0434683959                           05           11/01/02          0
    261165                               O            10/01/32
    0

    8095315          964/G02             F          136,000.00         ZZ
                                         360        135,874.04          1
                                       6.375            848.46         52
                                       6.125            848.46
    ATASCADERO       CA   93422          5            09/17/02         00
    0434682688                           05           11/01/02          0
    263461                               O            10/01/32
    0

    8095317          964/G02             F          282,000.00         T
                                         360        281,738.82          1
                                       6.375          1,759.31         57
                                       6.125          1,759.31
    BIG BEAR LAKE    CA   92315          2            08/30/02         00
    0434692562                           05           11/01/02          0
    245877                               O            10/01/32
    0

    8095335          X80/G02             F          164,000.00         ZZ
                                         360        163,851.74          1
                                       6.500          1,036.59         79
                                       6.250          1,036.59
    PACOIMA AREA LO  CA   91331          2            09/18/02         00
    0434700407                           05           11/01/02          0
    14                                   O            10/01/32
    0

    8095413          X82/G02             F          275,000.00         ZZ
                                         360        274,739.07          1
                                       6.250          1,693.22         50
                                       6.000          1,693.22
    SOUTH RIDING     VA   20152          2            09/24/02         00
    0434743134                           03           11/01/02          0
    836740                               O            10/01/32
    0

    8095417          W39/G02             F          218,500.00         ZZ
                                         360        218,500.00          4
                                       7.125          1,472.07         95
                                       6.875          1,472.07
1

    NEW ORLEANS      LA   70118          1            10/01/02         01
    0434704607                           05           12/01/02         30
    LA023582                             O            11/01/32
    0

    8095431          P44/G02             F          187,000.00         ZZ
                                         360        186,826.80          1
                                       6.375          1,166.64         70
                                       6.125          1,166.64
    YARMOUTH (WEST)  MA   02673          2            09/27/02         00
    0434720330                           05           11/01/02          0
    1                                    O            10/01/32
    0

    8095437          A52/G02             F          131,000.00         ZZ
                                         360        130,878.67          1
                                       6.375            817.27         95
                                       6.125            817.27
    JONESBORO        GA   30236          1            10/04/02         11
    0434724647                           05           11/01/02         30
    21102                                O            10/01/32
    0

    8095451          G27/G02             F          132,000.00         ZZ
                                         360        131,877.74          1
                                       6.375            823.51         80
                                       6.125            823.51
    KANSAS CITY      MO   64133          1            09/20/02         00
    0434686077                           05           11/01/02          0
    25302119                             O            10/01/32
    0

    8096021          E47/G02             F          265,500.00         ZZ
                                         360        265,287.69          1
                                       7.125          1,788.72         90
                                       6.875          1,788.72
    CHICAGO          IL   60613          1            09/30/02         11
    0434716866                           01           11/01/02         25
    7360514136                           O            10/01/32
    0

    8096031          E60/G02             F          247,000.00         ZZ
                                         360        246,782.08          1
                                       6.625          1,581.57         80
                                       6.375          1,581.57
    OCEANSIDE        CA   92056          5            09/25/02         00
    0434734141                           03           11/01/02          0
    525697                               O            10/01/32
    0
1

    8096373          X31/G02             F          192,000.00         ZZ
                                         360        191,826.43          1
                                       6.500          1,213.57         80
                                       6.250          1,213.57
    RESEDA AREA      CA   91335          1            09/25/02         00
    0434742599                           05           11/01/02          0
    40104054                             O            10/01/32
    0

    8096383          G34/G02             F          260,000.00         ZZ
                                         360        259,776.14          1
                                       6.750          1,686.36         70
                                       6.500          1,686.36
    CAROLINA BEACH   NC   28428          1            09/25/02         00
    0434820882                           05           11/01/02          0
    85207606                             O            10/01/32
    0

    8096389          F89/G02             F          164,000.00         ZZ
                                         360        163,844.39          1
                                       6.250          1,009.78         80
                                       6.000          1,009.78
    LOS ANGELES      CA   91304          1            09/19/02         00
    0434718730                           01           11/01/02          0
    11623476                             O            10/01/32
    0

    8096451          W40/G02             F          180,000.00         ZZ
                                         360        179,833.28          1
                                       6.375          1,122.97         80
                                       6.125          1,122.97
    CANTON           MI   48187          5            09/30/02         00
    0434705000                           05           11/01/02          0
    1010011444                           O            10/01/32
    0

    8096461          W35/G02             F           43,000.00         ZZ
                                         360         43,000.00          1
                                       6.625            275.34         72
                                       6.375            275.34
    TERRE HAUTE      IN   47804          5            10/03/02         00
    0434689451                           05           12/01/02          0
    14553                                O            11/01/32
    0

    8096533          962/G02             F           75,000.00         ZZ
                                         360         75,000.00          2
1

                                       7.250            511.63         72
                                       7.000            511.63
    FARGO            ND   58103          5            10/04/02         00
    0434701090                           05           12/01/02          0
    1                                    N            11/01/32
    0

    8096737          964/G02             F          216,000.00         ZZ
                                         360        215,804.73          1
                                       6.500          1,365.27         55
                                       6.250          1,365.27
    ALPINE           UT   84004          2            09/23/02         00
    0434690582                           05           11/01/02          0
    258634                               O            10/01/32
    0

    8096743          964/G02             F           69,000.00         ZZ
                                         360         68,937.62          1
                                       6.500            436.13         50
                                       6.250            436.13
    HOUSTON          TX   77070          2            09/25/02         00
    0434693214                           03           11/01/02          0
    259721                               O            10/01/32
    0

    8096745          964/G02             F           78,750.00         ZZ
                                         360         78,683.84          1
                                       6.875            517.33         75
                                       6.625            517.33
    WOODBURN         OR   97071          5            09/19/02         00
    0434695987                           05           11/01/02          0
    261116                               O            10/01/32
    0

    8096749          964/G02             F          134,000.00         ZZ
                                         360        133,872.86          1
                                       6.250            825.06         67
                                       6.000            825.06
    THE WOODLANDS    TX   77381          2            09/23/02         00
    0434684148                           03           11/01/02          0
    262584                               O            10/01/32
    0

    8096757          964/G02             F          130,000.00         ZZ
                                         360        129,870.58          1
                                       6.000            779.42         40
                                       5.750            779.42
    ARROYE GRANDE    CA   93420          1            09/25/02         00
    0434685335                           05           11/01/02          0
1

    262589                               O            10/01/32
    0

    8096761          964/G02             F          149,600.00         ZZ
                                         360        149,461.44          1
                                       6.375            933.31         80
                                       6.125            933.31
    HENDERSON        NV   89015          1            09/24/02         00
    0434698163                           03           11/01/02          0
    269822                               O            10/01/32
    0

    8096763          964/G02             F          191,200.00         ZZ
                                         360        191,022.91          1
                                       6.375          1,192.84         76
                                       6.125          1,192.84
    LITTLETON        CO   80120          1            09/25/02         00
    0434685129                           03           11/01/02          0
    275536                               O            10/01/32
    0

    8096767          964/G02             F          275,000.00         ZZ
                                         360        274,751.39          1
                                       6.500          1,738.19         53
                                       6.250          1,738.19
    SAN JOSE         CA   95136          2            09/20/02         00
    0434699534                           05           11/01/02          0
    242490                               O            10/01/32
    0

    8096777          964/G02             F          223,000.00         ZZ
                                         360        222,783.26          1
                                       6.125          1,354.97         28
                                       5.875          1,354.97
    GREENWOOD VILLA  CO   80121          2            09/25/02         00
    0434692018                           03           11/01/02          0
    249794                               O            10/01/32
    0

    8096779          964/G02             F          136,000.00         ZZ
                                         360        135,880.01          1
                                       6.625            870.82         80
                                       6.375            870.82
    SANDY            UT   84093          2            09/23/02         00
    0434689725                           05           11/01/02          0
    251767                               O            10/01/32
    0

1

    8096785          964/G02             F          252,600.00         ZZ
                                         360        252,377.13          1
                                       6.625          1,617.43         64
                                       6.375          1,617.43
    LAKE FOREST      CA   92630          5            09/19/02         00
    0434687703                           03           11/01/02          0
    254873                               O            10/01/32
    0

    8096815          964/G02             F          250,400.00         ZZ
                                         360        250,179.08          1
                                       6.625          1,603.34         38
                                       6.375          1,603.34
    SAN FRANCISCO    CA   94121          2            09/10/02         00
    0434693289                           05           11/01/02          0
    253862                               O            10/01/32
    0

    8096817          964/G02             F          178,987.00         ZZ
                                         360        178,829.09          1
                                       6.625          1,146.07         33
                                       6.375          1,146.07
    LAGUNA HILLS     CA   92653          2            09/09/02         00
    0434699286                           05           11/01/02          0
    239600                               O            10/01/32
    0

    8096865          S27/G02             F          114,750.00         ZZ
                                         360        114,750.00          1
                                       7.125            773.10         85
                                       6.875            773.10
    KISSIMMEE        FL   34744          1            10/03/02         01
    0434712600                           05           12/01/02         12
    1010022796                           O            11/01/32
    0

    8096873          P09/G02             F          212,500.00         ZZ
                                         360        212,303.19          1
                                       6.375          1,325.72         52
                                       6.125          1,325.72
    GAITHERSBURG     MD   20878          5            10/05/02         00
    0434780680                           05           11/01/02          0
    R0209165                             O            10/01/32
    0

    8096877          U36/G02             F          218,500.00         ZZ
                                         360        218,320.89          1
                                       7.000          1,453.69         95
                                       6.750          1,453.69
1

    SUWANEE          GA   30024          1            09/30/02         10
    0434731717                           03           11/01/02         30
    819942002                            O            10/01/32
    0

    8096883          738/G02             F          128,000.00         ZZ
                                         360        128,000.00          1
                                       6.500            809.05         80
                                       6.250            809.05
    MIAMI            FL   33157          1            10/01/02         00
    0434699591                           05           12/01/02          0
    40593746                             O            11/01/32
    0

    8096931          W93/G02             F           82,000.00         ZZ
                                         360         81,932.78          1
                                       7.000            545.55         80
                                       6.750            545.55
    PRESCOTT         AZ   86301          1            09/25/02         00
    0434719977                           05           11/01/02          0
    35405832                             O            10/01/32
    0

    8096939          E22/G02             F          105,600.00         ZZ
                                         360        105,504.54          1
                                       6.500            667.46         80
                                       6.250            667.46
    SPRING           TX   77386          1            10/07/02         00
    0414994293                           05           11/01/02          0
    0414994293                           N            10/01/32
    0

    8096949          E22/G02             F          176,000.00         ZZ
                                         360        175,848.47          1
                                       6.750          1,141.53         80
                                       6.500          1,141.53
    LOS ANGELES      CA   90047          5            09/25/02         00
    0415002609                           05           11/01/02          0
    0415002609                           O            10/01/32
    0

    8096953          E22/G02             F          126,400.00         ZZ
                                         360        126,400.00          1
                                       6.375            788.57         80
                                       6.125            788.57
    EUGENE           OR   97404          1            10/03/02         00
    0415005917                           05           12/01/02          0
    0415005917                           O            11/01/32
    0
1

    8096979          E22/G02             F           96,000.00         ZZ
                                         360         96,000.00          1
                                       6.375            598.92         77
                                       6.125            598.92
    FAIRFIELD        AL   35064          5            10/04/02         00
    0415030402                           05           12/01/02          0
    0415030402                           O            11/01/32
    0

    8096985          E22/G02             F          100,000.00         ZZ
                                         360        100,000.00          1
                                       6.375            623.87         70
                                       6.125            623.87
    ALBUQUERQUE      NM   87112          2            10/04/02         00
    0415032721                           05           12/01/02          0
    0415032721                           O            11/01/32
    0

    8096989          E22/G02             F          138,000.00         ZZ
                                         360        138,000.00          1
                                       6.250            849.69         80
                                       6.000            849.69
    GLENDALE         AZ   85308          1            10/04/02         00
    0415040781                           03           12/01/02          0
    0415040781                           O            11/01/32
    0

    8096991          E22/G02             F          260,000.00         ZZ
                                         360        260,000.00          1
                                       6.375          1,622.06         76
                                       6.125          1,622.06
    LINCOLNWOOD      IL   60712          5            10/04/02         00
    0415045442                           05           12/01/02          0
    0415045442                           O            11/01/32
    0

    8096999          E22/G02             F          116,800.00         ZZ
                                         360        116,701.88          1
                                       6.875            767.29         80
                                       6.625            767.29
    HOUSTON          TX   77083          2            10/01/02         00
    0414736934                           03           11/01/02          0
    0414736934                           O            10/01/32
    0

    8097027          E22/G02             F          103,500.00         ZZ
                                         360        103,500.00          1
1

                                       6.875            679.92         58
                                       6.625            679.92
    GRASS VALLEY     CA   95945          2            10/03/02         00
    0414851428                           05           12/01/02          0
    0414851428                           N            11/01/32
    0

    8097055          E22/G02             F          240,000.00         ZZ
                                         360        240,000.00          1
                                       7.250          1,637.22         80
                                       7.000          1,637.22
    CONCORD          CA   94519          5            10/01/02         00
    0414893453                           05           12/01/02          0
    0414893453                           O            11/01/32
    0

    8097059          E22/G02             F          226,000.00         ZZ
                                         360        226,000.00          1
                                       6.750          1,465.83         50
                                       6.500          1,465.83
    TRUSSVILLE       AL   35173          5            10/04/02         00
    0414905307                           05           12/01/02          0
    0414905307                           O            11/01/32
    0

    8097067          E22/G02             F           60,000.00         ZZ
                                         360         59,953.19          1
                                       7.250            409.31         93
                                       7.000            409.31
    CENTRE           AL   35960          5            10/04/02         04
    0414925768                           05           11/01/02         30
    0414925768                           O            10/01/32
    0

    8097085          E22/G02             F          200,000.00         ZZ
                                         360        200,000.00          1
                                       6.250          1,231.43         80
                                       6.000          1,231.43
    LYONS            CO   80540          5            10/02/02         00
    0414958264                           03           12/01/02          0
    0414958264                           O            11/01/32
    0

    8097127          E22/G02             F          226,400.00         ZZ
                                         360        226,400.00          1
                                       6.250          1,393.98         80
                                       6.000          1,393.98
    TACOMA           WA   98406          2            10/01/02         00
    0415049337                           03           12/01/02          0
1

    0415049337                           O            11/01/32
    0

    8097137          E22/G02             F           90,000.00         ZZ
                                         360         90,000.00          1
                                       6.500            568.86         67
                                       6.250            568.86
    MAGALIA          CA   95954          1            10/01/02         00
    0415082536                           03           12/01/02          0
    0415082536                           N            11/01/32
    0

    8097141          E22/G02             F          229,600.00         ZZ
                                         360        229,600.00          1
                                       6.375          1,432.41         80
                                       6.125          1,432.41
    PLANO            TX   75093          5            10/04/02         00
    0415067057                           03           12/01/02          0
    0415067057                           O            11/01/32
    0

    8097143          E22/G02             F          190,000.00         ZZ
                                         360        190,000.00          1
                                       6.750          1,232.34         63
                                       6.500          1,232.34
    MILAN            NM   87021          5            10/04/02         00
    0415067305                           05           12/01/02          0
    0415067305                           O            11/01/32
    0

    8097157          E22/G02             F          208,500.00         ZZ
                                         360        208,500.00          1
                                       6.500          1,317.86         66
                                       6.250          1,317.86
    FREEPORT         ME   04032          2            10/04/02         00
    0414529727                           05           12/01/02          0
    0414529727                           O            11/01/32
    0

    8097159          E22/G02             F          126,800.00         ZZ
                                         240        126,800.00          1
                                       6.500            945.39         71
                                       6.250            945.39
    MIAMI            FL   33165          2            10/09/02         00
    0414546325                           05           12/01/02          0
    0414546325                           N            11/01/22
    0

1

    8097165          E22/G02             F          184,000.00         ZZ
                                         360        184,000.00          1
                                       6.500          1,163.01         80
                                       6.250          1,163.01
    BRICK            NJ   08724          5            10/04/02         00
    0414584599                           05           12/01/02          0
    0414584599                           O            11/01/32
    0

    8097167          E22/G02             F          221,000.00         ZZ
                                         360        221,000.00          1
                                       6.375          1,378.75         85
                                       6.125          1,378.75
    RENO             NV   89506          5            09/30/02         01
    0414594341                           05           12/01/02         12
    0414594341                           O            11/01/32
    0

    8097181          E22/G02             F          140,000.00         ZZ
                                         360        140,000.00          1
                                       6.875            919.70         94
                                       6.625            919.70
    MECHANICSVILLE   VA   23116          2            10/04/02         01
    0415086693                           05           12/01/02         30
    0415086693                           O            11/01/32
    0

    8097189          E22/G02             F          159,300.00         ZZ
                                         360        159,300.00          1
                                       6.625          1,020.02         90
                                       6.375          1,020.02
    FAIRBANKS        AK   99712          5            10/02/02         04
    0415089796                           05           12/01/02         25
    0415089796                           O            11/01/32
    0

    8097191          E22/G02             F          100,000.00         ZZ
                                         360        100,000.00          1
                                       6.375            623.87         67
                                       6.125            623.87
    SNELLVILLE       GA   30078          5            10/04/02         00
    0415100270                           05           12/01/02          0
    0415100270                           O            11/01/32
    0

    8097193          E22/G02             F          107,000.00         ZZ
                                         360        107,000.00          1
                                       6.250            658.82         76
                                       6.000            658.82
1

    THORNVILLE       OH   43076          5            10/04/02         00
    0415103126                           05           12/01/02          0
    0415103126                           O            11/01/32
    0

    8097197          E22/G02             F           68,000.00         ZZ
                                         360         68,000.00          1
                                       6.750            441.05         80
                                       6.500            441.05
    PUEBLO           CO   81001          2            10/09/02         00
    0415112531                           05           12/01/02          0
    0415112531                           N            11/01/32
    0

    8097211          E22/G02             F           80,000.00         ZZ
                                         360         80,000.00          1
                                       6.250            492.57         64
                                       6.000            492.57
    MERIDIAN         ID   83642          1            10/08/02         00
    0415172964                           03           12/01/02          0
    0415172964                           O            11/01/32
    0

    8097223          E82/G02             F           94,050.00         ZZ
                                         360         94,050.00          1
                                       6.625            602.21         90
                                       6.375            602.21
    STOCKTON         CA   95205          1            10/08/02         04
    0400685871                           05           12/01/02         30
    0400685871                           N            11/01/32
    0

    8097235          E82/G02             F          124,200.00         ZZ
                                         360        124,200.00          1
                                       6.375            774.85         79
                                       6.125            774.85
    WYNNEWOOD        PA   19096          2            10/07/02         00
    0400712188                           05           12/01/02          0
    1764873                              O            11/01/32
    0

    8097249          E82/G02             F          148,800.00         ZZ
                                         360        148,800.00          2
                                       7.000            989.97         32
                                       6.750            989.97
    COSTA MESA       CA   92627          2            10/07/02         00
    0400685889                           05           12/01/02          0
    1943111                              N            11/01/32
    0
1

    8097581          642/G02             F          236,600.00         ZZ
                                         360        236,600.00          1
                                       6.750          1,534.58         76
                                       6.500          1,534.58
    EL CAJON         CA   92019          2            10/02/02         00
    0434707410                           05           12/01/02          0
    09113802                             O            11/01/32
    0

    8097615          N47/G02             F          180,000.00         ZZ
                                         360        180,000.00          2
                                       6.500          1,137.72         52
                                       6.250          1,137.72
    SAN JOSE         CA   95112          1            10/01/02         00
    0434703930                           05           12/01/02          0
    20121156                             N            11/01/32
    0

    8097621          P44/G02             F          230,000.00         ZZ
                                         360        230,000.00          1
                                       6.125          1,397.50         53
                                       5.875          1,397.50
    SALEM            NH   03079          2            09/27/02         00
    0434783304                           05           12/01/02          0
    0011920                              O            11/01/32
    0

    8097669          738/G02             F          174,000.00         ZZ
                                         360        174,000.00          1
                                       7.000          1,157.63         39
                                       6.750          1,157.63
    ANNA MARIA       FL   34216          5            09/30/02         00
    0434717062                           05           12/01/02          0
    40562492                             O            11/01/32
    0

    8097893          N74/G02             F           45,200.00         ZZ
                                         360         45,162.95          1
                                       7.000            300.72         80
                                       6.750            300.72
    MAUMELLE         AR   72113          2            10/04/02         00
    0434732848                           07           11/04/02          0
    0030863010                           N            10/04/32
    0

    8099419          N34/G02             F          135,200.00         ZZ
                                         360        135,200.00          1
1

                                       6.375            843.47         80
                                       6.125            843.47
    AURORA           IL   60504          1            10/04/02         00
    0434682365                           05           12/01/02          0
    7387417                              O            11/01/32
    0

    8099871          742/G02             F          135,000.00         ZZ
                                         360        134,894.69          1
                                       7.250            920.94         90
                                       7.000            920.94
    ORCHARD PARK     NY   14127          1            09/26/02         11
    0434685343                           05           11/01/02         25
    5663075                              O            10/01/32
    0

    8099891          822/G02             F          199,800.00         ZZ
                                         360        199,800.00          4
                                       6.750          1,295.90         90
                                       6.500          1,295.90
    JOHNSTON         RI   02919          1            10/04/02         10
    0434681391                           05           12/01/02         25
    3786005656                           N            11/01/32
    0

    8099905          R84/G02             F          130,000.00         ZZ
                                         360        129,879.60          2
                                       6.375            811.03         73
                                       6.125            811.03
    OLYMPIA          WA   98513          2            09/12/02         00
    0434744918                           05           11/01/02          0
    WA900049                             N            10/01/32
    0

    8100309          U19/G02             F          194,000.00         ZZ
                                         360        193,832.97          1
                                       6.750          1,258.28         80
                                       6.500          1,258.28
    DENVER           CO   80231          1            09/25/02         00
    0434742391                           05           11/01/02          0
    50804806                             O            10/01/32
    0

    8100349          696/G02             F          112,000.00         ZZ
                                         360        111,898.75          1
                                       6.500            707.92         80
                                       6.250            707.92
    ROCKVILLE        MD   20852          1            09/26/02         00
    0434706115                           06           11/01/02          0
1

    30402146                             O            10/01/32
    0

    8100679          E82/G02             F          113,500.00         ZZ
                                         360        113,500.00          1
                                       6.500            717.40         60
                                       6.250            717.40
    AURORA           CO   80013          2            10/08/02         00
    0400689196                           05           12/01/02          0
    1805678                              N            11/01/32
    0

    8100681          E82/G02             F          127,600.00         ZZ
                                         360        127,600.00          1
                                       6.500            806.52         71
                                       6.250            806.52
    AURORA           CO   80013          2            09/26/02         00
    0400689212                           05           12/01/02          0
    2787487                              N            11/01/32
    0

    8100697          E82/G02             F          178,800.00         T
                                         360        178,800.00          1
                                       6.750          1,159.69         67
                                       6.500          1,159.69
    HUNTINGTON BEAC  CA   92646          2            10/08/02         00
    0400698742                           05           12/01/02          0
    0400698742                           O            11/01/32
    0

    8100703          E82/G02             F           81,000.00         ZZ
                                         360         81,000.00          1
                                       6.625            518.65         73
                                       6.375            518.65
    BELLEVILLE       IL   62221          2            10/09/02         00
    0400697538                           05           12/01/02          0
    1797901                              N            11/01/32
    0

    8100729          E82/G02             F           78,600.00         ZZ
                                         360         78,600.00          1
                                       6.500            496.81         58
                                       6.250            496.81
    FERNDALE         MI   48220          2            10/07/02         00
    0400704219                           05           12/01/02          0
    0400704219                           O            11/01/32
    0

1

    8100743          B57/G02             F           52,000.00         ZZ
                                         360         51,958.42          1
                                       7.125            350.33         80
                                       6.875            350.33
    SCOTTSDALE       AZ   85251          1            09/26/02         00
    0434843108                           01           11/01/02          0
    20000796                             N            10/01/32
    0

    8100773          M27/G02             F          196,000.00         T
                                         360        195,809.50          1
                                       6.125          1,190.92         80
                                       5.875          1,190.92
    WILMINGTON       NC   28405          1            10/02/02         00
    0434742094                           03           11/01/02          0
    0600821258                           O            10/01/32
    0

    8100845          E22/G02             F          131,950.00         ZZ
                                         360        131,950.00          1
                                       6.875            866.82         95
                                       6.625            866.82
    SHELBY TOWNSHIP  MI   48317          1            10/11/02         04
    0415023373                           05           12/01/02         30
    0415023373                           O            11/01/32
    0

    8100889          E22/G02             F          114,855.00         T
                                         360        114,855.00          1
                                       6.500            725.96         95
                                       6.250            725.96
    ALACHUA          FL   32615          1            09/30/02         04
    0415105394                           03           12/01/02         30
    0415105394                           O            11/01/32
    0

    8100891          E22/G02             F          185,000.00         ZZ
                                         360        185,000.00          1
                                       6.500          1,169.33         51
                                       6.250          1,169.33
    SACRAMENTO       CA   95831          1            10/04/02         00
    0415106442                           03           12/01/02          0
    0415106442                           N            11/01/32
    0

    8100927          E22/G02             F          155,000.00         ZZ
                                         360        155,000.00          1
                                       6.000            929.30         80
                                       5.750            929.30
1

    ARCATA           CA   95521          5            10/02/02         00
    0414760017                           05           12/01/02          0
    0414760017                           O            11/01/32
    0

    8100967          E22/G02             F          176,200.00         ZZ
                                         360        176,200.00          1
                                       6.750          1,142.83         72
                                       6.500          1,142.83
    HOSCHTON         GA   30358          2            10/04/02         00
    0414970350                           03           12/01/02          0
    0414970350                           O            11/01/32
    0

    8101031          W02/G02             F           64,000.00         ZZ
                                         360         63,943.53          1
                                       6.625            409.80         77
                                       6.375            409.80
    SUNRISE          FL   33351          5            09/24/02         00
    0434821872                           01           11/01/02          0
    1001514008                           O            10/01/32
    0

    8101099          X31/G02             F          222,800.00         ZZ
                                         360        222,800.00          2
                                       6.500          1,408.25         80
                                       6.250          1,408.25
    ALHAMBRA         CA   91803          1            10/02/02         00
    0434713566                           05           12/01/02          0
    40104122                             O            11/01/32
    0

    8101109          X44/G02             F          199,600.00         ZZ
                                         360        199,415.14          1
                                       6.375          1,245.24         56
                                       6.125          1,245.24
    WAYNE            NJ   07420          2            10/04/02         00
    0434731477                           05           11/01/02          0
    13682                                O            10/01/32
    0

    8101171          967/G02             F           98,395.00         ZZ
                                         360         98,395.00          2
                                       6.625            630.03         79
                                       6.375            630.03
    BOISE            ID   83702          5            10/03/02         00
    0434711180                           05           12/01/02          0
    5682059                              O            11/01/32
    0
1

    8101223          514/G02             F          170,000.00         ZZ
                                         360        169,423.79          1
                                       6.875          1,116.78         93
                                       6.625          1,116.78
    SOUTH BEND       IN   46614          5            06/17/02         04
    0434756318                           05           08/01/02         30
    720387                               O            07/01/32
    0

    8101479          E82/G02             F          157,800.00         ZZ
                                         360        157,800.00          1
                                       6.500            997.40         79
                                       6.250            997.40
    YUBA CITY        CA   95991          2            10/04/02         00
    0400706628                           05           12/01/02          0
    0400706628                           O            11/01/32
    0

    8101701          E47/G02             F          131,900.00         ZZ
                                         360        131,780.76          1
                                       6.500            833.70         80
                                       6.250            833.70
    CALIFORNIA       MD   20619          1            09/30/02         00
    0434836789                           05           11/01/02          0
    7342510184                           O            10/01/32
    0

    8101781          964/G02             F          183,000.00         ZZ
                                         360        182,826.36          1
                                       6.250          1,126.76         38
                                       6.000          1,126.76
    MARCO ISLAND     FL   34145          2            09/25/02         00
    0434693347                           06           11/01/02          0
    262906                               O            10/01/32
    0

    8101789          E57/G02             F          105,000.00         ZZ
                                         360        104,911.78          1
                                       6.875            689.78         54
                                       6.625            689.78
    RIVERSIDE        CA   92509          1            09/19/02         00
    0434729661                           05           11/01/02          0
    06009791                             N            10/01/32
    0

    8102295          624/G02             F          228,600.00         ZZ
                                         360        228,600.00          1
1

                                       6.875          1,501.74         90
                                       6.625          1,501.74
    SANTA MARIA      CA   93454          1            10/01/02         01
    0434707139                           05           12/01/02         25
    1000012721                           O            11/01/32
    0

    8102343          624/G02             F          234,000.00         ZZ
                                         360        233,783.27          1
                                       6.375          1,459.86         65
                                       6.125          1,459.86
    NORCO            CA   92860          2            09/21/02         00
    0434692109                           05           11/01/02          0
    1000011754                           O            10/01/32
    0

    8102395          624/G02             F          247,500.00         ZZ
                                         360        247,306.92          1
                                       7.250          1,688.39         75
                                       7.000          1,688.39
    STANTON          CA   90680          5            09/24/02         00
    0434693297                           05           11/01/02          0
    1000005672                           O            10/01/32
    0

    8102507          R26/G02             F          292,000.00         ZZ
                                         360        292,000.00          1
                                       6.375          1,821.70         80
                                       6.125          1,821.70
    DUARTE           CA   91010          5            10/02/02         00
    0434754560                           05           12/01/02          0
    004432                               O            11/01/32
    0

    8102577          624/G02             F          214,000.00         ZZ
                                         360        213,806.54          1
                                       6.500          1,352.63         80
                                       6.250          1,352.63
    PESCADERO        CA   94060          1            09/19/02         00
    0434690194                           05           11/01/02          0
    1000009509                           O            10/01/32
    0

    8102601          624/G02             F           72,000.00         ZZ
                                         360         72,000.00          1
                                       7.000            479.02         72
                                       6.750            479.02
    PHOENIX          AZ   85032          1            10/01/02         00
    0434735080                           05           12/01/02          0
1

    1000012472                           O            11/01/32
    0

    8102731          X31/G02             F          284,000.00         ZZ
                                         360        283,736.96          1
                                       6.375          1,771.79         80
                                       6.125          1,771.79
    CORONA           CA   92881          2            09/26/02         00
    0434743878                           01           11/01/02          0
    26000019                             O            10/01/32
    0

    8102773          T29/G02             F          164,800.00         ZZ
                                         360        164,639.83          1
                                       6.125          1,001.34         79
                                       5.875          1,001.34
    PHOENIX          AZ   85048          2            09/27/02         00
    0434743076                           03           11/01/02          0
    1524270                              O            10/01/32
    0

    8102775          W93/G02             F          137,100.00         ZZ
                                         360        136,976.06          1
                                       6.500            866.57         80
                                       6.250            866.57
    HIGLEY           AZ   85236          1            09/27/02         00
    0434722542                           03           11/01/02          0
    88404159                             O            10/01/32
    0

    8102821          U05/G02             F          156,000.00         ZZ
                                         360        155,868.94          4
                                       6.875          1,024.81         80
                                       6.625          1,024.81
    PORTLAND         OR   97217          1            09/26/02         00
    0434732467                           05           11/01/02          0
    3259805                              N            10/01/32
    0

    8102893          X64/G02             F          105,600.00         ZZ
                                         360        105,600.00          1
                                       6.750            684.92         80
                                       6.500            684.92
    DETROIT          MI   48227          5            10/08/02         00
    0434743555                           05           12/01/02          0
    0620298                              O            11/01/32
    0

1

    8102931          W93/G02             F          140,000.00         ZZ
                                         360        139,870.33          1
                                       6.375            873.42         80
                                       6.125            873.42
    GLENDALE         AZ   85308          2            09/25/02         00
    0434702650                           03           11/01/02          0
    35415148                             O            10/01/32
    0

    8102973          624/G02             F          207,200.00         T
                                         360        207,008.09          1
                                       6.375          1,292.66         80
                                       6.125          1,292.66
    ARROYO GRANDE    CA   93420          1            09/26/02         00
    0434688990                           03           11/01/02          0
    1000012341                           O            10/01/32
    0

    8102979          F89/G02             F           59,200.00         ZZ
                                         360         59,146.49          1
                                       6.500            374.18         80
                                       6.250            374.18
    LANCASTER        CA   93534          1            09/24/02         00
    0434734042                           05           11/01/02          0
    23827                                N            10/01/32
    0

    8103611          K15/G02             F           90,200.00         ZZ
                                         360         90,200.00          1
                                       6.500            570.13         61
                                       6.250            570.13
    BURLINGTON       VT   05401          5            10/07/02         00
    0434705539                           05           12/01/02          0
    037105502011                         O            11/01/32
    0

    8103819          B28/G02             F           92,000.00         ZZ
                                         360         91,928.22          1
                                       7.250            627.61         80
                                       7.000            627.61
    GRAND ISLAND     NE   68803          1            10/01/02         00
    0434734257                           05           11/01/02          0
    1004584                              N            10/01/32
    0

    8103995          E82/G02             F           74,700.00         ZZ
                                         360         74,700.00          1
                                       7.000            496.98         72
                                       6.750            496.98
1

    CHICAGO          IL   60617          2            10/10/02         00
    0400698416                           05           12/01/02          0
    3514457                              N            11/01/32
    0

    8104063          E47/G02             F          203,300.00         ZZ
                                         360        203,129.20          1
                                       6.875          1,335.54         95
                                       6.625          1,335.54
    CHICAGO          IL   60639          1            09/30/02         11
    0434719217                           05           11/01/02         35
    7360514207                           O            10/01/32
    0

    8104109          E22/G02             F          207,900.00         ZZ
                                         360        207,900.00          1
                                       6.250          1,280.08         80
                                       6.000          1,280.08
    HUEYTOWN         AL   35023          5            10/07/02         00
    0414578781                           05           12/01/02          0
    0414578781                           O            11/01/32
    0

    8104135          E22/G02             F           45,000.00         ZZ
                                         360         45,000.00          1
                                       6.625            288.14         79
                                       6.375            288.14
    KILLEN           AL   35645          5            10/07/02         00
    0414802975                           05           12/01/02          0
    0414802975                           O            11/01/32
    0

    8104137          E22/G02             F          274,400.00         ZZ
                                         360        274,400.00          1
                                       6.625          1,757.01         80
                                       6.375          1,757.01
    VISTA            CA   92083          1            10/08/02         00
    0414807172                           03           12/01/02          0
    0414807172                           N            11/01/32
    0

    8104143          E22/G02             F          240,000.00         ZZ
                                         360        240,000.00          1
                                       6.375          1,497.29         73
                                       6.125          1,497.29
    OXNARD           CA   93030          5            10/02/02         00
    0414822262                           05           12/01/02          0
    0414822262                           O            11/01/32
    0
1

    8104179          E22/G02             F           85,000.00         ZZ
                                         360         85,000.00          1
                                       6.875            558.39         45
                                       6.625            558.39
    MIAMI            FL   33182          5            10/07/02         00
    0414878363                           05           12/01/02          0
    0414878363                           O            11/01/32
    0

    8104187          E22/G02             F          120,000.00         ZZ
                                         360        120,000.00          1
                                       6.750            778.32         59
                                       6.500            778.32
    CRESSON          TX   76035          5            10/07/02         00
    0414889808                           05           12/01/02          0
    0414889808                           O            11/01/32
    0

    8104189          E22/G02             F          101,200.00         E
                                         360        101,200.00          1
                                       6.500            639.65         80
                                       6.250            639.65
    PROVO            UT   84604          1            10/08/02         00
    0414894956                           01           12/01/02          0
    0414894956                           N            11/01/32
    0

    8104193          E22/G02             F          179,000.00         ZZ
                                         360        179,000.00          1
                                       6.375          1,116.73         63
                                       6.125          1,116.73
    CASTLE ROCK      CO   80104          2            10/07/02         00
    0414899344                           05           12/01/02          0
    0414899344                           O            11/01/32
    0

    8104203          E22/G02             F           96,000.00         ZZ
                                         360         96,000.00          1
                                       6.375            598.92         80
                                       6.125            598.92
    EUGENE           OR   97401          1            10/07/02         00
    0414913004                           05           12/01/02          0
    0414913004                           N            11/01/32
    0

    8104213          E22/G02             F          296,000.00         T
                                         360        296,000.00          1
1

                                       7.250          2,019.24         80
                                       7.000          2,019.24
    MINONG           WI   54859          1            10/11/02         00
    0414917344                           05           12/01/02          0
    0414917344                           O            11/01/32
    0

    8104221          E22/G02             F          104,000.00         ZZ
                                         360        104,000.00          2
                                       6.500            657.35         80
                                       6.250            657.35
    SPRINGFIELD      OR   97478          1            10/07/02         00
    0414924761                           05           12/01/02          0
    0414924761                           N            11/01/32
    0

    8104247          E22/G02             F          117,000.00         ZZ
                                         360        117,000.00          1
                                       6.125            710.90         27
                                       5.875            710.90
    FLORENCE         OR   97439          1            09/27/02         00
    0414972927                           05           12/01/02          0
    0414972927                           O            11/01/32
    0

    8104251          E22/G02             F           39,600.00         ZZ
                                         360         39,600.00          1
                                       7.375            273.51         90
                                       7.125            273.51
    OAKLAND PARK     FL   33334          1            10/11/02         04
    0414973958                           01           12/01/02         25
    0414973958                           N            11/01/32
    0

    8104281          E22/G02             F           94,500.00         ZZ
                                         360         94,500.00          1
                                       7.000            628.71         90
                                       6.750            628.71
    LARGO            FL   33778          1            10/11/02         11
    0415001387                           05           12/01/02         25
    0415001387                           N            11/01/32
    0

    8104287          E22/G02             F           85,400.00         ZZ
                                         360         85,335.01          1
                                       7.375            589.84         90
                                       7.125            589.84
    WYANDOTTE        MI   48192          1            09/23/02         01
    0415007137                           05           11/01/02         25
1

    0415007137                           N            10/01/32
    0

    8104291          E22/G02             F          225,000.00         ZZ
                                         360        225,000.00          1
                                       6.375          1,403.71         66
                                       6.125          1,403.71
    CALHAN           CO   80808          5            10/07/02         00
    0415012004                           05           12/01/02          0
    0415012004                           O            11/01/32
    0

    8104297          E22/G02             F          228,000.00         ZZ
                                         360        228,000.00          1
                                       6.750          1,478.80         76
                                       6.500          1,478.80
    LONGMONT         CO   80501          5            10/07/02         00
    0415017409                           05           12/01/02          0
    0415017409                           O            11/01/32
    0

    8104299          E22/G02             F          112,000.00         ZZ
                                         360        112,000.00          1
                                       6.250            689.60         77
                                       6.000            689.60
    BOISE            ID   83709          5            10/04/02         00
    0415018183                           03           12/01/02          0
    0415018183                           O            11/01/32
    0

    8104303          E22/G02             F          266,000.00         ZZ
                                         360        266,000.00          1
                                       6.875          1,747.43         67
                                       6.625          1,747.43
    MORRIS TOWNSHIP  NJ   07960          5            10/07/02         00
    0415019678                           05           12/01/02          0
    0415019678                           O            11/01/32
    0

    8104313          E22/G02             F           60,350.00         ZZ
                                         360         60,350.00          1
                                       7.000            401.51         85
                                       6.750            401.51
    MISHAWAKA        IN   46545          5            10/09/02         04
    0415026277                           05           12/01/02         12
    0415026277                           O            11/01/32
    0

1

    8104337          E22/G02             F          126,500.00         ZZ
                                         360        126,500.00          1
                                       6.250            778.88         67
                                       6.000            778.88
    HESPERUS         CO   81326          5            10/07/02         00
    0415049162                           05           12/01/02          0
    0415049162                           O            11/01/32
    0

    8104341          E22/G02             F          144,800.00         ZZ
                                         360        144,800.00          1
                                       6.625            927.17         80
                                       6.375            927.17
    SOUTH PADRE ISL  TX   78597          5            10/07/02         00
    0415051655                           07           12/01/02          0
    0415051655                           O            11/01/32
    0

    8104345          E22/G02             F          180,000.00         ZZ
                                         360        180,000.00          1
                                       6.625          1,152.56         80
                                       6.375          1,152.56
    STERLING HEIGHT  MI   48310          5            10/08/02         00
    0415052919                           05           12/01/02          0
    0415052919                           O            11/01/32
    0

    8104347          E22/G02             F           80,845.00         ZZ
                                         360         80,845.00          1
                                       6.750            524.36         95
                                       6.500            524.36
    VERO BEACH       FL   32096          1            10/11/02         04
    0415060417                           05           12/01/02         30
    0415060417                           O            11/01/32
    0

    8104351          E22/G02             F          101,700.00         ZZ
                                         360        101,700.00          1
                                       6.125            617.94         90
                                       5.875            617.94
    NAMPA            ID   83686          2            10/03/02         04
    0415065689                           03           12/01/02         25
    0415065689                           O            11/01/32
    0

    8104353          E22/G02             F          111,000.00         ZZ
                                         360        111,000.00          1
                                       6.875            729.19         80
                                       6.625            729.19
1

    PENNSAUKEN       WA   98110          5            10/07/02         00
    0415066703                           05           12/01/02          0
    0415066703                           O            11/01/32
    0

    8104355          E22/G02             F          238,000.00         ZZ
                                         360        238,000.00          1
                                       7.125          1,603.45         85
                                       6.875          1,603.45
    DAVISBURG        MI   48350          5            10/08/02         01
    0415067230                           05           12/01/02         12
    0415067230                           O            11/01/32
    0

    8104375          E22/G02             F          194,574.00         ZZ
                                         360        194,574.00          1
                                       6.750          1,262.00         90
                                       6.500          1,262.00
    FLOWER MOUND     TX   75022          1            10/09/02         04
    0415086982                           03           12/01/02         25
    0415086982                           O            11/01/32
    0

    8104383          E22/G02             F          177,500.00         ZZ
                                         360        177,500.00          1
                                       6.750          1,151.26         95
                                       6.500          1,151.26
    SALT LAKE CITY   UT   84109          2            10/03/02         04
    0415090166                           05           12/01/02         30
    0415090166                           O            11/01/32
    0

    8104389          E22/G02             F           80,000.00         ZZ
                                         360         80,000.00          1
                                       6.500            505.65         45
                                       6.250            505.65
    LONG BRANCH      NJ   07740          5            10/08/02         00
    0415106020                           05           12/01/02          0
    0415106020                           N            11/01/32
    0

    8104391          E22/G02             F          105,200.00         ZZ
                                         360        105,200.00          4
                                       6.250            647.73         90
                                       6.000            647.73
    BILLINGS         MT   59102          1            10/11/02         01
    0415107077                           05           12/01/02         25
    0415107077                           N            11/01/32
    0
1

    8104413          E22/G02             F          104,500.00         ZZ
                                         360        104,500.00          1
                                       6.750            677.79         77
                                       6.500            677.79
    TRAVERSE CITY    MI   49686          2            10/11/02         00
    0415139112                           05           12/01/02          0
    0415139112                           N            11/01/32
    0

    8104479          E22/G02             F          110,500.00         ZZ
                                         360        110,500.00          4
                                       7.375            763.20         85
                                       7.125            763.20
    MACON            GA   31204          2            10/11/02         04
    0415167543                           05           12/01/02         20
    0415167543                           N            11/01/32
    0

    8104481          W68/G02             F           80,000.00         ZZ
                                         360         79,937.59          2
                                       7.250            545.74         80
                                       7.000            545.74
    FORT WORTH       TX   76107          1            09/09/02         00
    0434768305                           05           11/01/02          0
    29942                                N            10/01/32
    0

    8104493          E22/G02             F           66,500.00         ZZ
                                         360         66,500.00          1
                                       6.750            431.32         74
                                       6.500            431.32
    NAMPA            ID   83651          5            10/07/02         00
    0415213032                           05           12/01/02          0
    0415213032                           O            11/01/32
    0

    8104507          W68/G02             F           88,000.00         ZZ
                                         360         87,931.35          2
                                       7.250            600.32         80
                                       7.000            600.32
    FORT WORTH       TX   76107          1            09/09/02         00
    0434767968                           05           11/01/02          0
    28969                                N            10/01/32
    0

    8104593          W68/G02             F           60,000.00         ZZ
                                         360         59,952.02          1
1

                                       7.125            404.23         80
                                       6.875            404.23
    DALLAS           TX   75235          1            09/09/02         00
    0434769683                           05           11/01/02          0
    28797                                O            10/01/32
    0

    8104595          T23/G02             F           58,900.00         ZZ
                                         360         58,900.00          1
                                       6.750            382.02         94
                                       6.500            382.02
    NEWARK           OH   43055          5            10/01/02         10
    0434744322                           05           12/01/02         30
    5604                                 O            11/01/32
    0

    8104661          T44/G02             F          246,320.00         ZZ
                                         360        246,118.10          2
                                       7.000          1,638.77         80
                                       6.750          1,638.77
    SNELLVILLE       GA   30078          1            10/04/02         00
    0434835021                           05           11/01/02          0
    1055875                              N            10/01/32
    0

    8104787          T44/G02             F          246,320.00         ZZ
                                         360        246,118.10          4
                                       7.000          1,638.77         80
                                       6.750          1,638.77
    SNELLVILLE       GA   30078          1            10/04/02         00
    0434828703                           05           11/01/02          0
    1055874                              N            10/01/32
    0

    8104899          L96/G02             F          153,600.00         ZZ
                                         360        153,454.26          1
                                       6.250            945.74         80
                                       6.000            945.74
    CHICO            CA   95926          1            09/27/02         00
    0434723771                           05           11/01/02          0
    0622996                              N            10/01/32
    0

    8105595          624/G02             F          104,650.00         ZZ
                                         360        104,650.00          1
                                       6.375            652.88         70
                                       6.125            652.88
    OAKHURST         CA   93644          1            09/27/02         00
    0434703773                           05           12/01/02          0
1

    1000012575                           N            11/01/32
    0

    8106097          X78/G02             F          132,300.00         ZZ
                                         360        132,300.00          1
                                       6.750            858.10         80
                                       6.500            858.10
    DALLAS           GA   30132          1            10/11/02         00
    0434764916                           05           12/01/02          0
    990210                               O            11/01/32
    0

    8106105          R84/G02             F           80,000.00         ZZ
                                         360         79,927.68          1
                                       6.500            505.65         42
                                       6.250            505.65
    ADDY             WA   99101          5            09/18/02         00
    0434754164                           05           11/01/02          0
    WA900133                             O            10/01/32
    0

    8106577          N47/G02             F          263,500.00         ZZ
                                         360        263,500.00          4
                                       6.875          1,731.01         55
                                       6.625          1,731.01
    SANTA MONICA     CA   90404          2            10/01/02         00
    0434732442                           05           12/01/02          0
    30122578                             N            11/01/32
    0

    8106663          N47/G02             F          352,500.00         ZZ
                                         360        352,500.00          4
                                       6.875          2,315.67         62
                                       6.625          2,315.67
    SANTA MONICA     CA   90404          2            10/07/02         00
    0434732350                           05           12/01/02          0
    30122579                             N            11/01/32
    0

    8106745          Q14/G02             F          186,000.00         ZZ
                                         360        186,000.00          1
                                       6.375          1,160.40         75
                                       6.125          1,160.40
    SPRINGVILLE      UT   84663          2            10/08/02         00
    0434768982                           05           12/01/02          0
    0209537                              O            11/01/32
    0

1

    8106893          X08/G02             F          172,200.00         ZZ
                                         360        172,036.60          1
                                       6.250          1,060.27         64
                                       6.000          1,060.27
    SOUTH JORDAN     UT   84095          2            09/26/02         00
    0434763587                           05           11/01/02          0
    2799818                              O            10/01/32
    0

    8107181          T44/G02             F          246,320.00         ZZ
                                         360        246,118.10          4
                                       7.000          1,638.77         80
                                       6.750          1,638.77
    SNELLVILLE       GA   30078          1            10/04/02         00
    0434732178                           05           11/01/02          0
    1055563                              N            10/01/32
    0

    8107297          742/G02             F          110,500.00         ZZ
                                         360        110,500.00          1
                                       6.875            725.91         68
                                       6.625            725.91
    RED HOOK         NY   12571          1            10/04/02         00
    0434825840                           05           12/01/02          0
    5632310                              O            11/01/32
    0

    8107335          R84/G02             F          158,400.00         ZZ
                                         360        158,266.92          1
                                       6.875          1,040.58         90
                                       6.625          1,040.58
    LAS VEGAS        NV   89117          1            09/27/02         10
    0434831541                           03           11/01/02         25
    4704                                 N            10/01/32
    0

    8107633          E82/G02             F          233,500.00         ZZ
                                         360        233,500.00          1
                                       6.500          1,475.88         72
                                       6.250          1,475.88
    ROCKVILLE CENTR  NY   11570          2            10/11/02         00
    0400717815                           05           12/01/02          0
    4450859                              O            11/01/32
    0

    8107635          E82/G02             F           67,200.00         ZZ
                                         360         67,200.00          4
                                       7.250            458.42         66
                                       7.000            458.42
1

    SAINT LOUIS      MO   63109          2            10/07/02         00
    0400702056                           05           12/01/02          0
    3809685                              N            11/01/32
    0

    8107643          E82/G02             F          169,300.00         ZZ
                                         360        169,300.00          1
                                       6.625          1,084.05         95
                                       6.375          1,084.05
    SHEPERD          MI   48883          2            10/09/02         10
    0400693248                           05           12/01/02         30
    4828390                              O            11/01/32
    0

    8107645          E82/G02             F          174,500.00         ZZ
                                         360        174,500.00          1
                                       6.375          1,088.65         73
                                       6.125          1,088.65
    KANSAS CITY      MO   64114          2            10/08/02         00
    0400702791                           03           12/01/02          0
    6084094                              O            11/01/32
    0

    8107703          E82/G02             F           88,800.00         ZZ
                                         360         88,800.00          1
                                       6.750            575.96         80
                                       6.500            575.96
    HIXSON           TN   37343          2            10/08/02         00
    0400691184                           05           12/01/02          0
    0400691184                           O            11/01/32
    0

    8107725          E82/G02             F          167,800.00         ZZ
                                         360        167,800.00          2
                                       7.250          1,144.69         70
                                       7.000          1,144.69
    LOWELL           MA   01852          5            10/10/02         00
    0400697025                           05           12/01/02          0
    0400697025                           O            11/01/32
    0

    8107727          E82/G02             F           67,400.00         ZZ
                                         360         67,400.00          1
                                       6.500            426.01         41
                                       6.250            426.01
    EL PASO          TX   79912          2            09/30/02         00
    0400687786                           05           12/01/02          0
    1672080                              O            11/01/32
    0
1

    8107775          624/G02             F          204,800.00         ZZ
                                         360        204,605.68          1
                                       6.250          1,260.99         80
                                       6.000          1,260.99
    MURRIETA         CA   92563          1            09/24/02         00
    0434727970                           05           11/01/02          0
    1000012044                           O            10/01/32
    0

    8107779          L03/G02             F          150,000.00         ZZ
                                         360        149,873.99          1
                                       6.875            985.39         71
                                       6.625            985.39
    PHOENIX          AZ   85086          5            10/01/02         00
    0434776985                           05           11/01/02          0
    40007186                             O            10/01/32
    0

    8107783          624/G02             F          300,700.00         ZZ
                                         360        300,428.16          1
                                       6.500          1,900.63         79
                                       6.250          1,900.63
    SANTA ANA        CA   92704          1            09/26/02         00
    0434727178                           05           11/01/02          0
    1000011529                           O            10/01/32
    0

    8107787          624/G02             F          230,000.00         ZZ
                                         360        229,781.77          4
                                       6.250          1,416.15         64
                                       6.000          1,416.15
    LONG BEACH       CA   90804          5            09/26/02         00
    0434706701                           05           11/01/02          0
    1000010264                           O            10/01/32
    0

    8107813          624/G02             F          197,000.00         ZZ
                                         360        196,808.53          1
                                       6.125          1,196.99         75
                                       5.875          1,196.99
    RIVERSIDE        CA   92508          1            09/24/02         00
    0434705240                           05           11/01/02          0
    1000012212                           O            10/01/32
    0

    8107903          W24/G02             F          151,000.00         ZZ
                                         360        150,866.78          1
1

                                       6.625            966.87         79
                                       6.375            966.87
    LONG BEACH       CA   90805          5            09/10/02         00
    0434824488                           05           11/01/02          0
    01003135AFC                          N            10/01/32
    0

    8107979          962/G02             F           72,600.00         ZZ
                                         360         72,600.00          1
                                       7.250            495.26         69
                                       7.000            495.26
    FARGO            ND   58102          5            10/14/02         00
    0434764973                           05           12/01/02          0
    N0209181                             N            11/01/32
    0

    8108009          X08/G02             F          121,000.00         ZZ
                                         360        120,898.35          2
                                       6.875            794.88         68
                                       6.625            794.88
    PROVO            UT   84606          2            09/27/02         00
    0434774170                           05           11/01/02          0
    6014892                              N            10/01/32
    0

    8108183          R65/G02             F          265,500.00         ZZ
                                         360        265,500.00          1
                                       6.000          1,591.81         80
                                       5.750          1,591.81
    VIENNA           VA   22181          2            10/04/02         00
    0434747267                           07           12/01/02          0
    41804000004180                       O            11/01/32
    0

    8108225          X31/G02             F          224,000.00         ZZ
                                         360        223,797.50          1
                                       6.500          1,415.83         80
                                       6.250          1,415.83
    REDONDO BEACH    CA   90277          5            09/27/02         00
    0434753745                           01           11/01/02          0
    40103814                             O            10/01/32
    0

    8108231          S07/G02             F          116,800.00         ZZ
                                         360        116,800.00          1
                                       6.375            728.68         80
                                       6.125            728.68
    COLORADO SPRING  CO   80911          1            10/03/02         00
    0434814760                           05           12/01/02          0
1

    2100234                              N            11/01/32
    0

    8108743          369/G02             F           94,300.00         ZZ
                                         360         94,220.77          1
                                       6.875            619.49         80
                                       6.625            619.49
    PEORIA           AZ   85345          1            09/16/02         00
    0434776886                           05           11/01/02          0
    0074462516                           N            10/01/32
    0

    8108903          369/G02             F           90,400.00         ZZ
                                         360         90,324.05          1
                                       6.875            593.87         80
                                       6.625            593.87
    PEORIA           AZ   85345          1            09/16/02         00
    0434710323                           05           11/01/02          0
    0074407032                           N            10/01/32
    0

    8109133          W35/G02             F           86,000.00         ZZ
                                         360         86,000.00          1
                                       6.000            515.62         59
                                       5.750            515.62
    ALBUQUERQUE      NM   87109          5            10/04/02         00
    0434765210                           05           12/01/02          0
    14476                                O            11/01/32
    0

    8109331          K15/G02             F          265,000.00         ZZ
                                         360        265,000.00          1
                                       6.375          1,653.26         63
                                       6.125          1,653.26
    PORTLAND         OR   97221          5            10/09/02         00
    0434732145                           05           12/01/02          0
    030105503162                         O            11/01/32
    0

    8109375          X31/G02             F          175,500.00         ZZ
                                         360        175,500.00          2
                                       7.625          1,242.18         90
                                       7.375          1,242.18
    SAN BERNARDINO   CA   92405          1            10/01/02         01
    0434777009                           05           12/01/02         35
    24000356                             N            11/01/32
    0

1

    8109451          F25/G02             F          252,000.00         ZZ
                                         360        252,000.00          1
                                       6.750          1,634.47         83
                                       6.500          1,634.47
    WALLKILL         NY   12589          5            10/10/02         01
    0434764833                           05           12/01/02         12
    0208103                              O            11/01/32
    0

    8109475          S43/G02             F          246,000.00         ZZ
                                         360        246,000.00          1
                                       6.500          1,554.89         80
                                       6.250          1,554.89
    ALBUQUERQUE      NM   87111          1            10/15/02         00
    0434776555                           05           12/01/02          0
    021645                               N            11/01/32
    0

    8109477          825/G02             F          116,500.00         T
                                         360        116,500.00          1
                                       6.875            765.32         56
                                       6.625            765.32
    BRECKENRIDGE     CO   80424          2            10/10/02         00
    0434767109                           01           12/01/02          0
    15302                                O            11/01/32
    0

    8109691          A35/G02             F          185,000.00         ZZ
                                         360        185,000.00          1
                                       6.500          1,169.32         61
                                       6.250          1,169.32
    MASSAPEQUA PARK  NY   11762          5            10/07/02         00
    0434765475                           05           12/01/02          0
    GONZALEZ                             O            11/01/32
    0

    8109973          E82/G02             F          107,500.00         ZZ
                                         360        107,500.00          1
                                       6.750            697.24         66
                                       6.500            697.24
    BOCA RATON       FL   33428          2            10/10/02         00
    0400698320                           09           12/01/02          0
    4156013                              O            11/01/32
    0

    8110001          E82/G02             F           65,000.00         ZZ
                                         360         65,000.00          1
                                       6.625            416.20         31
                                       6.375            416.20
1

    GLENDALE         CA   91203          5            10/11/02         00
    0400697470                           01           12/01/02          0
    0400697470                           O            11/01/32
    0

    8110021          E82/G02             F          123,900.00         ZZ
                                         360        123,900.00          1
                                       6.250            762.87         77
                                       6.000            762.87
    MIRAMAR          FL   33027          2            10/11/02         00
    0400713152                           03           12/01/02          0
    5085354                              O            11/01/32
    0

    8110039          K15/G02             F           99,200.00         ZZ
                                         360         99,200.00          1
                                       7.125            668.33         85
                                       6.875            668.33
    BURLINGTON       VT   05401          5            10/09/02         41
    0434796751                           01           12/01/02         12
    037105502663                         O            11/01/32
    0

    8110057          E22/G02             F          213,500.00         ZZ
                                         360        213,500.00          2
                                       7.000          1,420.42         70
                                       6.750          1,420.42
    SACRAMENTO       CA   95814          5            10/10/02         00
    0414188144                           05           12/01/02          0
    0414188144                           N            11/01/32
    0

    8110059          K15/G02             F           71,000.00         ZZ
                                         240         71,000.00          1
                                       6.500            529.36         60
                                       6.250            529.36
    NIANTIC(EAST LY  CT   06357          5            10/08/02         00
    0434732194                           05           12/01/02          0
    029705502624                         O            11/01/22
    0

    8110061          E22/G02             F          100,000.00         ZZ
                                         360        100,000.00          2
                                       7.000            665.30         45
                                       6.750            665.30
    SACRAMENTO       CA   95816          2            10/10/02         00
    0414188748                           05           12/01/02          0
    0414188748                           N            11/01/32
    0
1

    8110087          E22/G02             F           66,500.00         ZZ
                                         360         66,500.00          1
                                       7.000            442.43         75
                                       6.750            442.43
    STUART           FL   34997          2            10/15/02         00
    0414745505                           09           12/01/02          0
    0414745505                           N            11/01/32
    0

    8110089          E22/G02             F           72,375.00         ZZ
                                         360         72,375.00          1
                                       6.625            463.43         75
                                       6.375            463.43
    CAMDEN           SC   29020          5            10/14/02         00
    0414752543                           05           12/01/02          0
    0414752543                           N            11/01/32
    0

    8110097          E22/G02             F          116,000.00         ZZ
                                         360        116,000.00          1
                                       6.750            752.37         80
                                       6.500            752.37
    SAN ANTONIO      TX   78250          5            10/09/02         00
    0414763482                           03           12/01/02          0
    0414763482                           O            11/01/32
    0

    8110105          E22/G02             F           67,500.00         ZZ
                                         360         67,500.00          1
                                       7.000            449.08         90
                                       6.750            449.08
    MUNCIE           IN   47303          1            10/15/02         04
    0414813873                           05           12/01/02         25
    0414813873                           N            11/01/32
    0

    8110115          E22/G02             F           93,500.00         ZZ
                                         360         93,500.00          1
                                       6.500            590.98         85
                                       6.250            590.98
    FREDERICKSBURG   VA   22407          5            10/09/02         10
    0414877936                           05           12/01/02         12
    0414877936                           O            11/01/32
    0

    8110133          E22/G02             F           99,000.00         ZZ
                                         360         99,000.00          1
1

                                       6.375            617.63         90
                                       6.125            617.63
    GRAYSVILLE       AL   35073          5            10/09/02         01
    0414888636                           05           12/01/02         25
    0414888636                           O            11/01/32
    0

    8110135          E22/G02             F           80,000.00         ZZ
                                         360         80,000.00          1
                                       6.500            505.65         42
                                       6.250            505.65
    GRASS VALLEY     CA   95945          2            10/04/02         00
    0414893495                           05           12/01/02          0
    0414893495                           O            11/01/32
    0

    8110137          E22/G02             F          270,000.00         ZZ
                                         360        270,000.00          1
                                       6.500          1,706.58         79
                                       6.250          1,706.58
    ELK GROVE        CA   95624          2            10/07/02         00
    0414896035                           05           12/01/02          0
    0414896035                           O            11/01/32
    0

    8110161          E22/G02             F          106,864.00         ZZ
                                         360        106,864.00          1
                                       6.250            657.98         58
                                       6.000            657.98
    TOMBALL          TX   77377          2            10/08/02         00
    0414915827                           03           12/01/02          0
    0414915827                           O            11/01/32
    0

    8110171          E22/G02             F          190,250.00         ZZ
                                         360        190,250.00          1
                                       6.250          1,171.40         75
                                       6.000          1,171.40
    SEATTLE          WA   98133          2            10/03/02         00
    0414923193                           05           12/01/02          0
    0414923193                           N            11/01/32
    0

    8110181          E22/G02             F          102,800.00         ZZ
                                         360        102,800.00          1
                                       6.500            649.77         80
                                       6.250            649.77
    KALISPELL        MT   59901          2            10/09/02         00
    0414934596                           05           12/01/02          0
1

    0414934596                           O            11/01/32
    0

    8110211          E22/G02             F          168,400.00         ZZ
                                         360        168,400.00          1
                                       6.250          1,036.87         21
                                       6.000          1,036.87
    SALT LAKE CITY   UT   84117          5            10/03/02         00
    0414960377                           05           12/01/02          0
    0414960377                           O            11/01/32
    0

    8110215          E22/G02             F          300,700.00         ZZ
                                         360        300,700.00          1
                                       6.250          1,851.46         78
                                       6.000          1,851.46
    SAN LORENZO      CA   94580          5            10/04/02         00
    0414963637                           05           12/01/02          0
    0414963637                           O            11/01/32
    0

    8110269          E22/G02             F           54,000.00         ZZ
                                         360         54,000.00          1
                                       7.250            368.38         90
                                       7.000            368.38
    BLK MTN          NC   28711          1            10/15/02         01
    0415012384                           01           12/01/02         25
    0415012384                           O            11/01/32
    0

    8110275          E22/G02             F          236,000.00         ZZ
                                         360        236,000.00          1
                                       6.375          1,472.33         80
                                       6.125          1,472.33
    DENVER           CO   80210          5            10/09/02         00
    0415014943                           05           12/01/02          0
    0415014943                           O            11/01/32
    0

    8110277          E22/G02             F           85,000.00         ZZ
                                         360         85,000.00          1
                                       6.750            551.31         50
                                       6.500            551.31
    MANCHESTER       NH   03103          5            10/09/02         00
    0415018407                           05           12/01/02          0
    0415018407                           O            11/01/32
    0

1

    8110287          E22/G02             F          160,000.00         ZZ
                                         360        160,000.00          3
                                       7.500          1,118.74         73
                                       7.250          1,118.74
    STOCKTON         CA   95210          2            10/07/02         00
    0415024215                           05           12/01/02          0
    0415024215                           N            11/01/32
    0

    8110313          E22/G02             F          178,000.00         ZZ
                                         360        178,000.00          1
                                       6.625          1,139.75         64
                                       6.375          1,139.75
    SANTA FE         NM   87505          5            10/09/02         00
    0415036102                           05           12/01/02          0
    0415036102                           O            11/01/32
    0

    8110321          K15/G02             F           66,000.00         ZZ
                                         360         66,000.00          1
                                       6.750            428.07         60
                                       6.500            428.07
    MUSKEGON         MI   49442          5            10/09/02         00
    0434732871                           05           12/01/02          0
    035905503888                         O            11/01/32
    0

    8110323          E22/G02             F          114,000.00         ZZ
                                         360        114,000.00          1
                                       6.750            739.40         80
                                       6.500            739.40
    HOUSTON          TX   77036          5            10/08/02         00
    0415037522                           05           12/01/02          0
    0415037522                           O            11/01/32
    0

    8110333          E22/G02             F          216,000.00         ZZ
                                         360        216,000.00          1
                                       6.375          1,347.56         80
                                       6.125          1,347.56
    KELLER           TX   76248          5            10/08/02         00
    0415042332                           05           12/01/02          0
    0415042332                           O            11/01/32
    0

    8110335          E22/G02             F           68,000.00         ZZ
                                         360         68,000.00          1
                                       6.500            429.81         80
                                       6.250            429.81
1

    AUBURN           CA   95602          1            10/09/02         00
    0415043652                           01           12/01/02          0
    0415043652                           N            11/01/32
    0

    8110343          E22/G02             F          114,800.00         ZZ
                                         360        114,800.00          1
                                       7.000            763.77         70
                                       6.750            763.77
    SACRAMENTO       CA   95816          5            10/10/02         00
    0415046515                           05           12/01/02          0
    0415046515                           N            11/01/32
    0

    8110347          E22/G02             F          132,400.00         T
                                         360        132,400.00          1
                                       6.875            869.77         80
                                       6.625            869.77
    CAROLINA BEACH   NC   28428          1            10/14/02         00
    0415047398                           01           12/01/02          0
    0415047398                           O            11/01/32
    0

    8110415          E22/G02             F           86,400.00         ZZ
                                         360         86,400.00          1
                                       7.125            582.09         80
                                       6.875            582.09
    ATHENS           GA   30607          1            10/14/02         00
    0415091651                           05           12/01/02          0
    0415091651                           N            11/01/32
    0

    8110419          E22/G02             F           88,800.00         ZZ
                                         360         88,800.00          1
                                       7.125            598.26         80
                                       6.875            598.26
    ATHENS           GA   30607          1            10/14/02         00
    0415093889                           05           12/01/02          0
    0415093889                           N            11/01/32
    0

    8110421          E22/G02             F           85,600.00         ZZ
                                         360         85,600.00          1
                                       7.125            576.70         80
                                       6.875            576.70
    ATHENS           GA   30607          1            10/14/02         00
    0415094531                           05           12/01/02          0
    0415094531                           N            11/01/32
    0
1

    8110423          E22/G02             F           73,200.00         ZZ
                                         360         73,200.00          1
                                       6.500            462.67         80
                                       6.250            462.67
    SOUTH PADRE ISL  TX   78597          1            10/14/02         00
    0415094697                           01           12/01/02          0
    0415094697                           O            11/01/32
    0

    8110425          E22/G02             F           85,600.00         ZZ
                                         360         85,600.00          1
                                       7.125            576.70         80
                                       6.875            576.70
    ATHENS           GA   30607          1            10/14/02         00
    0415095553                           05           12/01/02          0
    0415095553                           N            11/01/32
    0

    8110437          E22/G02             F          124,400.00         ZZ
                                         360        124,400.00          1
                                       7.125            838.11         80
                                       6.875            838.11
    BATTLE CREEK     MI   49017          2            10/15/02         00
    0415105576                           05           12/01/02          0
    0415105576                           N            11/01/32
    0

    8110443          E22/G02             F          147,820.00         ZZ
                                         360        147,820.00          1
                                       6.500            934.32         65
                                       6.250            934.32
    NEW BRAUNFELS    TX   78132          1            10/15/02         00
    0415116102                           03           12/01/02          0
    0415116102                           O            11/01/32
    0

    8110461          E22/G02             F          119,200.00         ZZ
                                         360        119,200.00          1
                                       6.750            773.13         80
                                       6.500            773.13
    RENO             NV   89503          1            10/09/02         00
    0415137843                           05           12/01/02          0
    0415137843                           N            11/01/32
    0

    8110467          E22/G02             F          275,200.00         ZZ
                                         360        275,200.00          1
1

                                       6.500          1,739.45         80
                                       6.250          1,739.45
    FORT WORTH       TX   76109          1            10/11/02         00
    0415139252                           05           12/01/02          0
    0415139252                           O            11/01/32
    0

    8110473          E22/G02             F          295,000.00         ZZ
                                         360        295,000.00          1
                                       6.500          1,864.60         75
                                       6.250          1,864.60
    SEATTLE          WA   98146          1            10/10/02         00
    0415144708                           05           12/01/02          0
    0415144708                           O            11/01/32
    0

    8110479          E22/G02             F          101,200.00         ZZ
                                         360        101,200.00          1
                                       6.500            639.65         80
                                       6.250            639.65
    PROVO            UT   84604          1            10/08/02         00
    0415148816                           01           12/01/02          0
    0415148816                           N            11/01/32
    0

    8110497          E22/G02             F          143,550.00         ZZ
                                         360        143,550.00          1
                                       7.250            979.26         90
                                       7.000            979.26
    GULFPORT         MS   39503          1            10/08/02         04
    0415165174                           05           12/01/02         25
    0415165174                           N            11/01/32
    0

    8110499          E22/G02             F          162,000.00         ZZ
                                         360        162,000.00          1
                                       6.500          1,023.95         90
                                       6.250          1,023.95
    GAITHERSBURG     MD   20878          1            10/15/02         01
    0415166255                           09           12/01/02         25
    0415166255                           O            11/01/32
    0

    8110511          E22/G02             F          128,250.00         ZZ
                                         360        128,250.00          4
                                       6.875            842.51         90
                                       6.625            842.51
    BATON ROUGE      LA   70808          1            10/14/02         04
    0415181791                           05           12/01/02         25
1

    0415181791                           N            11/01/32
    0

    8110735          T29/G02             F           86,400.00         ZZ
                                         360         86,323.77          1
                                       6.625            553.23         80
                                       6.375            553.23
    MESA             AZ   85201          5            09/23/02         00
    0434762753                           05           11/01/02          0
    1522800                              O            10/01/32
    0

    8110739          P44/G02             F          180,000.00         ZZ
                                         360        180,000.00          1
                                       6.125          1,093.70         68
                                       5.875          1,093.70
    MASHPEE          MA   02649          5            10/03/02         00
    0434776472                           05           12/01/02          0
    MARTONE                              O            11/01/32
    0

    8110745          Q14/G02             F          157,500.00         ZZ
                                         360        157,500.00          1
                                       6.875          1,034.66         90
                                       6.625          1,034.66
    ELDRIDGE         IA   52748          2            10/11/02         01
    0434735130                           05           12/01/02         30
    0209297                              O            11/01/32
    0

    8110795          Q87/G02             F           94,800.00         ZZ
                                         240         94,606.70          1
                                       6.500            706.80         80
                                       6.250            706.80
    GRANBURY         TX   76048          5            09/27/02         00
    0434809471                           05           11/02/02          0
    EIWI02                               O            10/02/22
    0

    8110953          P01/G02             F          140,000.00         ZZ
                                         360        139,879.46          1
                                       6.750            908.04         80
                                       6.500            908.04
    NEW FAIRFIELD    CT   06812          2            09/27/02         00
    0434768354                           05           11/01/02          0
    02004159                             O            10/01/32
    0

1

    8110963          G34/G02             F          252,000.00         ZZ
                                         360        252,000.00          1
                                       6.250          1,551.61         80
                                       6.000          1,551.61
    HENDERSON        NV   89012          2            10/04/02         00
    0434766168                           03           12/01/02          0
    39012205                             O            11/01/32
    0

    8111023          U42/G02             F           37,500.00         ZZ
                                         360         37,500.00          1
                                       7.250            255.82         75
                                       7.000            255.82
    FORT WORTH       TX   76115          5            10/09/02         00
    0434770202                           05           12/01/02          0
    33201018                             N            11/01/32
    0

    8111185          369/G02             F          116,900.00         ZZ
                                         360        116,717.06          1
                                       7.250            797.47         90
                                       7.000            797.47
    PHOENIX          AZ   85029          1            08/26/02         12
    0434780268                           05           10/01/02         25
    23453287                             N            09/01/32
    0

    8111565          742/G02             F          177,300.00         ZZ
                                         360        177,147.35          1
                                       6.750          1,149.96         86
                                       6.500          1,149.96
    LIMERICK         PA   19468          1            09/26/02         11
    0434779989                           09           11/01/02         25
    8881872                              O            10/01/32
    0

    8111805          E47/G02             F          192,000.00         ZZ
                                         360        192,000.00          3
                                       7.000          1,277.38         80
                                       6.750          1,277.38
    STOCKTON         CA   95210          1            10/04/02         00
    0434768065                           05           12/01/02          0
    7333012610                           N            11/01/32
    0

    8112913          M27/G02             F          144,000.00         ZZ
                                         360        144,000.00          1
                                       6.375            898.37         80
                                       6.125            898.37
1

    LIBERTY          NC   27298          1            10/10/02         00
    0434776944                           05           12/01/02          0
    0100016122                           O            11/01/32
    0

    8113725          K15/G02             F          175,000.00         ZZ
                                         360        175,000.00          1
                                       6.750          1,135.05         78
                                       6.500          1,135.05
    BAYSHORE         NY   11706          5            10/08/02         00
    0434792453                           05           12/01/02          0
    020805504182                         O            11/01/32
    0

    8113805          N67/G02             F          100,000.00         ZZ
                                         360         99,809.73          1
                                       6.250            615.72         76
                                       6.000            615.72
    PHOENIX          AZ   85013          5            08/30/02         00
    0434746939                           05           10/01/02          0
    1781002952A                          O            09/01/32
    0

    8113935          N67/G02             F          196,000.00         ZZ
                                         360        195,839.34          1
                                       7.000          1,303.99         80
                                       6.750          1,303.99
    VILLA RICA       GA   30180          2            09/05/02         00
    0434748364                           03           11/01/02          0
    3254001465A                          O            10/01/32
    0

    8113953          N67/G02             F          132,000.00         ZZ
                                         360        131,902.04          1
                                       7.500            922.96         71
                                       7.250            922.96
    TARPON SPRINGS   FL   34689          1            09/10/02         00
    0434748596                           05           11/01/02          0
    3254001787A                          O            10/01/32
    0

    8114017          X67/G02             F          280,000.00         ZZ
                                         360        279,740.66          1
                                       6.375          1,746.84         75
                                       6.125          1,746.84
    HAWTHORNE        CA   90250          2            09/26/02         00
    0434782850                           05           11/01/02          0
    00269691                             O            10/01/32
    0
1

    8114653          W35/G02             F          124,800.00         ZZ
                                         240        124,800.00          1
                                       6.000            894.11         80
                                       5.750            894.11
    TURNER           ME   04282          5            09/30/02         00
    0434707501                           05           12/01/02          0
    14347                                O            11/01/22
    0

    8114691          F89/G02             F          152,800.00         ZZ
                                         360        152,655.01          1
                                       6.250            940.82         80
                                       6.000            940.82
    PALMDALE         CA   93551          1            09/26/02         00
    0434845558                           05           11/01/02          0
    1033123                              N            10/01/32
    0

    8114835          B57/G02             F          245,000.00         ZZ
                                         360        244,794.17          1
                                       6.875          1,609.48         74
                                       6.625          1,609.48
    NORTH HILLS ARE  CA   91343          5            09/26/02         00
    0434778106                           05           11/01/02          0
    10005684                             O            10/01/32
    0

    8114857          588/G02             F          208,000.00         ZZ
                                         360        207,811.97          1
                                       6.500          1,314.70         80
                                       6.250          1,314.70
    ROXBURY TOWNSHI  NJ   07852          1            09/27/02         00
    0434767539                           01           11/01/02          0
    1075315                              N            10/01/32
    0

    8114885          758/G02             F          357,000.00         ZZ
                                         360        356,714.51          2
                                       7.125          2,405.18         70
                                       6.875          2,405.18
    UNIVERSITY PARK  TX   75205          1            09/30/02         00
    0434815684                           05           11/01/02          0
    402053                               N            10/01/32
    0

    8114897          L16/G02             F          155,160.00         ZZ
                                         360        155,160.00          4
1

                                       7.500          1,084.90         90
                                       7.250          1,084.90
    BAKERSFIELD      CA   93304          1            10/14/02         04
    0434822904                           05           12/01/02         25
    7301                                 N            11/01/32
    0

    8114905          N74/G02             F           47,000.00         ZZ
                                         240         46,909.78          1
                                       7.000            364.39         79
                                       6.750            364.39
    SPRINGDALE       AR   72764          5            10/11/02         00
    0434840336                           05           11/17/02          0
    0030885010                           O            10/17/22
    0

    8114923          X19/G02             F           53,600.00         ZZ
                                         360         53,600.00          1
                                       6.625            343.21         80
                                       6.375            343.21
    PEEKSKILL        NY   10566          1            10/11/02         00
    0434783171                           01           12/01/02          0
    22082604                             N            11/01/32
    0

    8114979          F25/G02             F          225,000.00         ZZ
                                         240        225,000.00          1
                                       6.375          1,661.02         65
                                       6.125          1,661.02
    STONY POINT      NY   10980          5            10/11/02         00
    0434716320                           05           12/01/02          0
    R0208110                             O            11/01/22
    0

    8114993          P44/G02             F          236,000.00         ZZ
                                         360        236,000.00          1
                                       6.750          1,530.69         80
                                       6.500          1,530.69
    NAPLES           FL   34109          1            10/16/02         00
    0434792826                           05           12/01/02          0
    3776308                              O            11/01/32
    0

    8115013          P44/G02             F          180,000.00         ZZ
                                         360        180,000.00          1
                                       6.375          1,122.97         80
                                       6.125          1,122.97
    FALMOUTH (EAST)  MA   02536          5            10/07/02         00
    0434772885                           05           12/01/02          0
1

    1                                    O            11/01/32
    0

    8115071          742/G02             F           50,000.00         ZZ
                                         360         49,960.99          1
                                       7.250            341.09         53
                                       7.000            341.09
    HAMBURG          NY   14075          1            09/30/02         00
    0434791406                           05           11/01/02          0
    5622915                              O            10/01/32
    0

    8115091          926/926             F          141,900.00         ZZ
                                         360        141,900.00          1
                                       6.500            896.91         79
                                       6.250            896.91
    BLUFFTON         SC   29910          1            10/01/02         00
    163028230                            03           12/01/02          0
    163028230                            O            11/01/32
    0

    8115103          R26/G02             F          200,000.00         ZZ
                                         360        199,814.76          1
                                       6.375          1,247.74         71
                                       6.125          1,247.74
    FORT WAYNE       IN   46814          2            09/26/02         00
    0434792438                           05           11/01/02          0
    003705                               O            10/01/32
    0

    8115215          W53/G02             F          108,000.00         ZZ
                                         360        107,907.01          1
                                       6.750            700.49         80
                                       6.500            700.49
    ZEPHYRHILLS      FL   33544          1            09/27/02         00
    0434794095                           05           11/01/02          0
    1303000366                           O            10/01/32
    0

    8115231          962/G02             F          111,825.00         ZZ
                                         360        111,825.00          4
                                       7.250            762.84         90
                                       7.000            762.84
    FARGO            ND   58102          1            10/14/02         14
    0434756268                           05           12/01/02         25
    2002606                              N            11/01/32
    0

1

    8115237          K15/G02             F           86,400.00         ZZ
                                         360         86,400.00          1
                                       7.250            589.40         95
                                       7.000            589.40
    RICHMOND         IN   47374          1            10/11/02         41
    0434777140                           05           12/01/02         30
    033705503409                         O            11/01/32
    0

    8115239          K21/G02             F          196,000.00         ZZ
                                         360        196,000.00          1
                                       6.125          1,190.92         39
                                       5.875          1,190.92
    REDONDO          CA   90278          5            10/07/02         00
    0434784773                           01           12/01/02          0
    0220573                              O            11/01/32
    0

    8115257          M27/G02             F          105,300.00         ZZ
                                         360        105,207.09          1
                                       6.625            674.25         95
                                       6.375            674.25
    MANCHESTER       TN   37355          1            10/01/02         01
    0434803318                           05           11/01/02         30
    600821687                            O            10/01/32
    0

    8115265          W40/G02             F          115,000.00         ZZ
                                         360        115,000.00          1
                                       6.375            717.45         73
                                       6.125            717.45
    WESTLAND         MI   48185          5            10/10/02         00
    0434788907                           01           12/01/02          0
    101010488                            O            11/01/32
    0

    8115375          K15/G02             F           73,200.00         ZZ
                                         360         73,200.00          1
                                       7.000            487.00         80
                                       6.750            487.00
    GILLETTE         WY   82716          5            10/09/02         00
    0434776480                           05           12/01/02          0
    023305300009                         O            11/01/32
    0

    8115413          E11/G02             F          143,900.00         ZZ
                                         360        143,900.00          1
                                       6.500            909.55         90
                                       6.250            909.55
1

    ARDEN HILLS      MN   55112          1            10/11/02         04
    0434775029                           09           12/01/02         25
    1                                    O            11/01/32
    0

    8115415          K15/G02             F           74,600.00         ZZ
                                         360         74,600.00          1
                                       7.500            521.61         70
                                       7.250            521.61
    WHITE BLUFF      TN   37187          2            10/10/02         00
    0434777843                           27           12/01/02          0
    002905502918                         O            11/01/32
    0

    8115693          X44/G02             F          296,000.00         ZZ
                                         360        296,000.00          2
                                       6.500          1,870.92         80
                                       6.250          1,870.92
    EAST RUTHERFORD  NJ   07073          5            10/08/02         00
    0434716148                           05           12/01/02          0
    7506                                 O            11/01/32
    0

    8115707          E82/G02             F           74,000.00         ZZ
                                         360         74,000.00          1
                                       6.875            486.13         55
                                       6.625            486.13
    PLYMOUTH         MI   48170          2            10/16/02         00
    0400708228                           05           12/01/02          0
    2991158                              N            11/01/32
    0

    8115715          E82/G02             F          103,800.00         ZZ
                                         360        103,800.00          1
                                       6.875            681.89         80
                                       6.625            681.89
    WAREHAM          MA   02571          2            10/10/02         00
    0400695003                           05           12/01/02          0
    5462057                              O            11/01/32
    0

    8115749          E82/G02             F           84,000.00         ZZ
                                         360         84,000.00          1
                                       6.250            517.20         80
                                       6.000            517.20
    LARAMIE          WY   82070          2            10/11/02         00
    0400711404                           05           12/01/02          0
    5251315                              O            11/01/32
    0
1

    8115751          E82/G02             F           92,400.00         ZZ
                                         360         92,400.00          1
                                       6.625            591.65         66
                                       6.375            591.65
    ORMOND BEACH     FL   32174          2            10/14/02         00
    0400712949                           03           12/01/02          0
    5428086                              O            11/01/32
    0

    8115777          E82/G02             F          244,400.00         ZZ
                                         360        244,400.00          1
                                       6.375          1,524.74         78
                                       6.125          1,524.74
    TORRANCE         CA   90503          2            10/08/02         00
    0400713160                           05           12/01/02          0
    1826256                              O            11/01/32
    0

    8115999          W34/G02             F          259,800.00         ZZ
                                         360        259,800.00          1
                                       6.250          1,599.63         73
                                       6.000          1,599.63
    JACKSON          CA   95642          5            10/12/02         00
    0434769303                           05           12/01/02          0
    IF01020002599                        O            11/01/32
    0

    8116173          E22/G02             F          100,000.00         ZZ
                                         360        100,000.00          2
                                       7.000            665.30         45
                                       6.750            665.30
    SACRAMENTO       CA   95816          2            10/10/02         00
    0414188656                           05           12/01/02          0
    0414188656                           N            11/01/32
    0

    8116261          E22/G02             F          127,000.00         ZZ
                                         360        127,000.00          1
                                       6.625            813.19         46
                                       6.375            813.19
    SAYREVILLE       NJ   08859          1            10/16/02         00
    0414885897                           05           12/01/02          0
    0414885897                           O            11/01/32
    0

    8116265          E22/G02             F          121,500.00         ZZ
                                         360        121,500.00          1
1

                                       7.500            849.55         90
                                       7.250            849.55
    DES PLAINES      IL   60016          1            10/16/02         04
    0414891101                           01           12/01/02         25
    0414891101                           O            11/01/32
    0

    8116271          E22/G02             F          108,800.00         ZZ
                                         360        108,800.00          1
                                       6.000            652.31         80
                                       5.750            652.31
    PORTLAND         OR   97213          5            10/02/02         00
    0414926774                           05           12/01/02          0
    0414926774                           O            11/01/32
    0

    8116279          E22/G02             F          210,000.00         ZZ
                                         360        210,000.00          1
                                       6.875          1,379.55         74
                                       6.625          1,379.55
    SYLMAR           CA   91342          5            10/07/02         00
    0414931667                           05           12/01/02          0
    0414931667                           N            11/01/32
    0

    8116287          E22/G02             F          158,400.00         ZZ
                                         360        158,400.00          1
                                       6.875          1,040.58         80
                                       6.625          1,040.58
    BROKEN ARROW     OK   74012          2            10/10/02         00
    0414944108                           03           12/01/02          0
    0414944108                           O            11/01/32
    0

    8116327          E22/G02             F          126,500.00         ZZ
                                         360        126,500.00          1
                                       6.625            809.99         82
                                       6.375            809.99
    VIRGINIA BEACH   VA   23464          2            10/09/02         01
    0415001452                           05           12/01/02         25
    0415001452                           O            11/01/32
    0

    8116333          E22/G02             F          195,000.00         ZZ
                                         360        195,000.00          1
                                       6.500          1,232.53         75
                                       6.250          1,232.53
    DENVER           CO   80241          2            10/10/02         00
    0415012442                           03           12/01/02          0
1

    0415012442                           O            11/01/32
    0

    8116335          E22/G02             F           85,900.00         ZZ
                                         360         85,900.00          1
                                       6.750            557.15         73
                                       6.500            557.15
    BRISTOL          CT   06010          1            10/16/02         00
    0415015239                           05           12/01/02          0
    0415015239                           O            11/01/32
    0

    8116339          E22/G02             F          228,000.00         ZZ
                                         240        228,000.00          1
                                       6.375          1,683.17         90
                                       6.125          1,683.17
    MATTHEWS         NC   28105          5            10/10/02         01
    0415018498                           05           12/01/02         25
    0415018498                           O            11/01/22
    0

    8116341          E22/G02             F          136,000.00         ZZ
                                         360        136,000.00          1
                                       6.375            848.46         80
                                       6.125            848.46
    NORTH PORT       FL   34287          5            10/10/02         00
    0415020304                           05           12/01/02          0
    0415020304                           O            11/01/32
    0

    8116343          E22/G02             F           83,200.00         ZZ
                                         360         83,200.00          1
                                       6.500            525.88         80
                                       6.250            525.88
    PORTLAND         OR   97206          2            10/11/02         00
    0415021252                           05           12/01/02          0
    0415021252                           N            11/01/32
    0

    8116349          E22/G02             F          300,700.00         ZZ
                                         360        300,700.00          1
                                       6.375          1,875.98         59
                                       6.125          1,875.98
    FORT COLLINS     CO   80528          5            10/09/02         00
    0415025147                           05           12/01/02          0
    0415025147                           O            11/01/32
    0

1

    8116359          E22/G02             F          144,000.00         ZZ
                                         360        144,000.00          1
                                       6.875            945.98         80
                                       6.625            945.98
    TAMPA            FL   33624          2            10/08/02         00
    0415036805                           01           12/01/02          0
    0415036805                           O            11/01/32
    0

    8116383          E22/G02             F          114,000.00         ZZ
                                         360        114,000.00          1
                                       7.000            758.44         80
                                       6.750            758.44
    GRESHAM          OR   97080          1            10/03/02         00
    0415058734                           09           12/01/02          0
    0415058734                           N            11/01/32
    0

    8116395          E22/G02             F          300,000.00         ZZ
                                         360        300,000.00          1
                                       6.500          1,896.20         75
                                       6.250          1,896.20
    BAY CITY         MI   48708          1            10/16/02         00
    0415068279                           08           12/01/02          0
    0415068279                           O            11/01/32
    0

    8116397          E22/G02             F          266,000.00         ZZ
                                         360        266,000.00          1
                                       6.375          1,659.49         75
                                       6.125          1,659.49
    SIMI VALLEY      CA   93065          5            10/07/02         00
    0415069863                           05           12/01/02          0
    0415069863                           O            11/01/32
    0

    8116419          E22/G02             F           55,500.00         ZZ
                                         360         55,500.00          1
                                       6.750            359.97         51
                                       6.500            359.97
    BOYNTON BEACH    FL   33426          2            10/10/02         00
    0415093681                           05           12/01/02          0
    0415093681                           O            11/01/32
    0

    8116443          E22/G02             F           51,200.00         ZZ
                                         360         51,200.00          1
                                       6.875            336.35         80
                                       6.625            336.35
1

    GREENTOWN        PA   18426          1            10/16/02         00
    0415177245                           03           12/01/02          0
    0415177245                           N            11/01/32
    0

    8116445          E22/G02             F           50,400.00         ZZ
                                         360         50,400.00          1
                                       6.875            331.09         80
                                       6.625            331.09
    PUEBLO           CO   81001          2            10/11/02         00
    0415180256                           05           12/01/02          0
    0415180256                           N            11/01/32
    0

    8116453          E22/G02             F          115,200.00         ZZ
                                         360        115,200.00          1
                                       7.125            776.12         80
                                       6.875            776.12
    WILLIS           MI   48197          1            10/16/02         00
    0415223346                           05           12/01/02          0
    0415223346                           N            11/01/32
    0

    8116457          E22/G02             F           48,600.00         ZZ
                                         360         48,600.00          1
                                       6.750            315.22         80
                                       6.500            315.22
    ST JOHNS         PA   18247          5            10/10/02         00
    0415102979                           05           12/01/02          0
    0415102979                           O            11/01/32
    0

    8116461          E22/G02             F           44,800.00         ZZ
                                         360         44,800.00          1
                                       6.875            294.30         80
                                       6.625            294.30
    GREENTOWN        PA   18426          1            10/16/02         00
    0415104140                           03           12/01/02          0
    0415104140                           N            11/01/32
    0

    8116473          E22/G02             F          127,500.00         ZZ
                                         360        127,500.00          1
                                       6.750            826.96         94
                                       6.500            826.96
    LIBERTY CENTER   OH   43532          5            10/10/02         04
    0415128149                           05           12/01/02         30
    0415128149                           O            11/01/32
    0
1

    8116481          E22/G02             F           53,600.00         ZZ
                                         360         53,600.00          1
                                       7.125            361.11         80
                                       6.875            361.11
    CINCINNATI       OH   45216          1            10/16/02         00
    0415134717                           05           12/01/02          0
    0415134717                           N            11/01/32
    0

    8116485          E22/G02             F          108,750.00         ZZ
                                         360        108,750.00          1
                                       6.750            705.35         75
                                       6.500            705.35
    BEND             OR   97701          2            10/08/02         00
    0415143098                           05           12/01/02          0
    0415143098                           N            11/01/32
    0

    8116491          E22/G02             F           68,000.00         ZZ
                                         360         68,000.00          1
                                       7.125            458.13         80
                                       6.875            458.13
    PUEBLO           CO   81001          2            10/16/02         00
    0415154624                           05           12/01/02          0
    0415154624                           N            11/01/32
    0

    8116539          144/144             F          145,000.00         ZZ
                                         360        144,865.70          1
                                       6.375            904.61         79
                                       6.125            904.61
    KERHONKSON       NY   12446          5            09/23/02         00
    160698746                            05           11/01/02          0
    160698746                            O            10/01/32
    0

    8117197          998/998             F          396,000.00         ZZ
                                         360        395,410.38          4
                                       7.500          2,768.89         90
                                       7.250          2,768.89
    BROOKLYN         NY   11233          1            08/29/02         12
    4981377                              05           10/01/02         25
    4981377                              O            09/01/32
    0

    8117245          N67/G02             F          117,700.00         ZZ
                                         360        117,524.75          1
1

                                       7.500            822.98         80
                                       7.250            822.98
    TUCSON           AZ   85747          1            08/19/02         00
    0434759031                           03           10/01/02          0
    1785003237A                          O            09/01/32
    0

    8117287          N67/G02             F           99,000.00         ZZ
                                         360         98,922.78          1
                                       7.250            675.35         90
                                       7.000            675.35
    JONESBORO        GA   30238          1            09/30/02         12
    0434760567                           05           11/01/02         30
    3252003158A                          O            10/01/32
    0

    8117745          N67/G02             F          367,200.00         ZZ
                                         360        366,927.48          3
                                       7.500          2,567.52         90
                                       7.250          2,567.52
    BRONX            NY   10473          1            09/23/02         10
    0434762084                           05           11/01/02         30
    3274003792A                          O            10/01/32
    0

    8118143          Q66/G02             F          100,800.00         ZZ
                                         360        100,800.00          1
                                       6.625            645.43         80
                                       6.375            645.43
    MEDFORD          MN   55049          5            10/07/02         00
    0434789103                           05           12/01/02          0
    02B0030                              O            11/01/32
    0

    8118265          X31/G02             F          182,000.00         ZZ
                                         360        182,000.00          1
                                       6.500          1,150.36         42
                                       6.250          1,150.36
    LOS ANGELES      CA   90035          2            10/07/02         00
    0434774436                           05           12/01/02          0
    40104359                             O            11/01/32
    0

    8118289          825/G02             F          219,920.00         ZZ
                                         360        219,920.00          1
                                       6.500          1,390.04         80
                                       6.250          1,390.04
    MANTECA          CA   95337          1            10/10/02         00
    0434793279                           05           12/01/02          0
1

    LEESHIRLEY                           O            11/01/32
    0

    8118299          A06/G02             F           79,000.00         ZZ
                                         360         79,000.00          1
                                       7.250            538.92         71
                                       7.000            538.92
    ROCHESTER        MI   48307          5            10/11/02         00
    0434768032                           01           12/01/02          0
    021000020215781                      N            11/01/32
    0

    8118459          P01/G02             F          152,000.00         ZZ
                                         360        152,000.00          1
                                       6.625            973.28         80
                                       6.375            973.28
    TROY             NY   12180          5            10/10/02         00
    0434793220                           05           12/01/02          0
    02003182                             O            11/01/32
    0

    8118515          B44/G02             F           53,000.00         ZZ
                                         360         53,000.00          1
                                       6.875            348.17         71
                                       6.625            348.17
    BOISE,           ID   83704          5            10/03/02         00
    0434809588                           05           12/01/02          0
    4021555                              N            11/01/32
    0

    8118587          B44/G02             F          136,000.00         ZZ
                                         360        136,000.00          1
                                       6.875            893.42         80
                                       6.625            893.42
    BOISE            ID   83712          1            10/03/02         00
    0434783783                           05           12/01/02          0
    4021554                              N            11/01/32
    0

    8118677          420/G02             F           50,000.00         ZZ
                                         360         49,958.00          1
                                       6.875            328.46         50
                                       6.625            328.46
    SAN PABLO        CA   94806          5            09/27/02         00
    0434763363                           01           11/01/02          0
    72003127                             O            10/01/32
    0

1

    8118783          950/G02             F          125,000.00         ZZ
                                         360        124,902.49          2
                                       7.250            852.72         76
                                       7.000            852.72
    FEDERAL WAY      WA   98003          2            09/11/02         00
    0434828422                           05           11/01/02          0
    E1208171                             N            10/01/32
    0

    8119535          A06/G02             F          228,000.00         ZZ
                                         360        228,000.00          1
                                       6.750          1,478.81         80
                                       6.500          1,478.81
    LIVONIA          MI   48150          2            10/07/02         00
    0434776506                           05           12/01/02          0
    001000010201692                      N            11/01/32
    0

    8119537          E82/G02             F           90,550.00         ZZ
                                         360         90,550.00          1
                                       6.500            572.34         79
                                       6.250            572.34
    MIAMI            FL   33196          2            10/16/02         00
    0400718037                           03           12/01/02          0
    1633457                              O            11/01/32
    0

    8119557          E82/G02             F          175,000.00         T
                                         360        175,000.00          1
                                       6.750          1,135.05         64
                                       6.500          1,135.05
    BEDFORD          WY   83112          2            10/16/02         00
    0400689519                           05           12/01/02          0
    3945858                              O            11/01/32
    0

    8119565          E82/G02             F           74,000.00         ZZ
                                         360         74,000.00          1
                                       6.250            455.63         79
                                       6.000            455.63
    PHOENIX          AZ   85016          2            10/16/02         00
    0400720579                           05           12/01/02          0
    1616528                              O            11/01/32
    0

    8119567          E82/G02             F          231,500.00         ZZ
                                         360        231,500.00          1
                                       6.375          1,444.26         85
                                       6.125          1,444.26
1

    WHITTIER         CA   90601          2            10/10/02         10
    0400706552                           05           12/01/02         12
    3673517                              O            11/01/32
    0

    8119589          E82/G02             F           82,100.00         ZZ
                                         360         82,100.00          1
                                       6.375            512.20         51
                                       6.125            512.20
    PHOENIX          AZ   85086          2            10/16/02         00
    0400677951                           05           12/01/02          0
    1906797                              O            11/01/32
    0

    8119607          E82/G02             F           66,800.00         T
                                         360         66,800.00          1
                                       6.625            427.73         75
                                       6.375            427.73
    PALMDALE         CA   93550          2            10/16/02         00
    0400710281                           05           12/01/02          0
    1755444                              O            11/01/32
    0

    8119609          E82/G02             F          136,800.00         ZZ
                                         360        136,800.00          1
                                       6.625            875.95         86
                                       6.375            875.95
    TACOMA           WA   98446          2            10/11/02         10
    0400698767                           05           12/01/02         25
    4880674                              O            11/01/32
    0

    8119613          A06/G02             F          137,000.00         ZZ
                                         360        137,000.00          1
                                       6.500            865.94         95
                                       6.250            865.94
    WARREN           MI   48089          2            10/08/02         12
    0434766663                           05           12/01/02         30
    001000010201590                      O            11/01/32
    0

    8119651          A06/G02             F           65,700.00         ZZ
                                         360         65,700.00          1
                                       6.375            409.89         90
                                       6.125            409.89
    FERNDALE         MI   48220          1            10/15/02         12
    0434767562                           05           12/01/02         25
    001000010201816                      N            11/01/32
    0
1

    8119693          S27/G02             F           92,000.00         ZZ
                                         360         91,926.42          1
                                       7.125            619.83         80
                                       6.875            619.83
    FOREST HEIGHTS   MD   20745          1            10/03/02         00
    0434869715                           05           11/01/02          0
    1020004724                           N            10/01/32
    0

    8119789          G34/G02             F          290,000.00         ZZ
                                         360        290,000.00          4
                                       7.250          1,978.31         49
                                       7.000          1,978.31
    ANAHEIM          CA   92806          1            10/01/02         00
    0434773511                           05           12/01/02          0
    41000276                             N            11/01/32
    0

    8120607          E22/G02             F          108,000.00         ZZ
                                         360        108,000.00          2
                                       6.750            700.49         90
                                       6.500            700.49
    MEMPHIS          TN   38122          1            10/17/02         10
    0414750208                           05           12/01/02         25
    0414750208                           O            11/01/32
    0

    8120611          E22/G02             F          112,000.00         ZZ
                                         360        112,000.00          1
                                       6.875            735.76         70
                                       6.625            735.76
    MIAMI BEACH      FL   33165          1            10/17/02         00
    0414763029                           01           12/01/02          0
    0414763029                           N            11/01/32
    0

    8120715          E22/G02             F          156,000.00         ZZ
                                         360        156,000.00          1
                                       6.500            986.03         80
                                       6.250            986.03
    DENISON          TX   75020          5            10/11/02         00
    0414877951                           05           12/01/02          0
    0414877951                           O            11/01/32
    0

    8120741          E22/G02             F          215,000.00         ZZ
                                         360        215,000.00          1
1

                                       6.625          1,376.67         80
                                       6.375          1,376.67
    HOLLYWOOD        FL   33029          2            10/11/02         00
    0414923284                           03           12/01/02          0
    0414923284                           O            11/01/32
    0

    8120755          W68/G02             F          112,000.00         ZZ
                                         360        111,912.63          2
                                       7.250            764.04         80
                                       7.000            764.04
    DALLAS           TX   75218          5            09/24/02         00
    0434783429                           05           11/01/02          0
    27425                                N            10/01/32
    0

    8120881          E22/G02             F          123,120.00         ZZ
                                         360        123,120.00          1
                                       6.875            808.81         95
                                       6.625            808.81
    MIAMI            FL   33175          5            10/11/02         01
    0414989095                           07           12/01/02         30
    0414989095                           O            11/01/32
    0

    8120939          E22/G02             F           65,000.00         ZZ
                                         360         65,000.00          1
                                       6.375            405.52         70
                                       6.125            405.52
    EVANSTON         WY   82930          1            10/17/02         00
    0415011337                           05           12/01/02          0
    0415011337                           O            11/01/32
    0

    8120943          E22/G02             F          162,000.00         ZZ
                                         360        162,000.00          1
                                       6.625          1,037.30         81
                                       6.375          1,037.30
    BIRMINGHAM       AL   35243          5            10/11/02         04
    0415024702                           05           12/01/02         12
    0415024702                           O            11/01/32
    0

    8121033          E22/G02             F          277,000.00         ZZ
                                         360        277,000.00          1
                                       6.500          1,750.83         51
                                       6.250          1,750.83
    SNOHOMISH        WA   98296          2            10/11/02         00
    0415062868                           05           12/01/02          0
1

    0415062868                           N            11/01/32
    0

    8121125          E22/G02             F          132,000.00         ZZ
                                         360        132,000.00          1
                                       6.375            823.51         80
                                       6.125            823.51
    FEDERAL WAY      WA   98003          5            10/04/02         00
    0415106715                           01           12/01/02          0
    0415106715                           O            11/01/32
    0

    8121223          E22/G02             F          188,500.00         ZZ
                                         360        188,500.00          1
                                       6.500          1,191.45         84
                                       6.250          1,191.45
    MIDDLESEX        NJ   08846          2            10/11/02         04
    0415130863                           05           12/01/02         12
    0415130863                           O            11/01/32
    0

    8121227          E22/G02             F          136,000.00         ZZ
                                         360        136,000.00          1
                                       6.500            859.61         90
                                       6.250            859.61
    ALGONQUIN        IL   60102          5            10/11/02         01
    0415132893                           09           12/01/02         25
    0415132893                           O            11/01/32
    0

    8121247          E22/G02             F           64,500.00         ZZ
                                         360         64,500.00          1
                                       7.375            445.49         79
                                       7.125            445.49
    CHARLESTOWN      IN   47111          1            10/15/02         00
    0415151729                           05           12/01/02          0
    0415151729                           N            11/01/32
    0

    8121251          E22/G02             F           56,000.00         ZZ
                                         360         56,000.00          1
                                       6.625            358.57         90
                                       6.375            358.57
    SAN ANTONIO      TX   78233          1            10/17/02         01
    0415155845                           05           12/01/02         25
    0415155845                           O            11/01/32
    0

1

    8121257          E22/G02             F          153,000.00         ZZ
                                         360        153,000.00          1
                                       6.750            992.36         90
                                       6.500            992.36
    PAWTUCKET        RI   02861          5            10/11/02         01
    0415162593                           05           12/01/02         25
    0415162593                           O            11/01/32
    0

    8121285          E22/G02             F          300,700.00         ZZ
                                         360        300,700.00          1
                                       6.500          1,900.63         62
                                       6.250          1,900.63
    BRIGHTON         MI   48114          5            10/11/02         00
    0415184597                           05           12/01/02          0
    0415184597                           O            11/01/32
    0

    8122185          Q14/G02             F           80,000.00         ZZ
                                         240         80,000.00          1
                                       6.250            584.74         52
                                       6.000            584.74
    ODESSA           MO   64076          5            10/11/02         00
    0434763470                           05           12/01/02          0
    0209376                              O            11/01/22
    0

    8123211          E44/G02             F           78,750.00         ZZ
                                         360         78,750.00          1
                                       7.500            550.63         88
                                       7.250            550.63
    PROVO            UT   84604          1            10/02/02         14
    0434797965                           01           12/01/02         25
    48020104                             N            11/01/32
    0

    8123309          U05/G02             F          122,850.00         ZZ
                                         360        122,850.00          2
                                       6.625            786.62         74
                                       6.375            786.62
    SAN ANTONIO      TX   78209          2            10/10/02         00
    0434792883                           05           12/01/02          0
    3269641                              N            11/01/32
    0

    8123343          U05/G02             F           88,350.00         ZZ
                                         360         88,350.00          1
                                       6.750            573.04         95
                                       6.500            573.04
1

    MISSOURI CITY    TX   77459          1            10/08/02         10
    0434787594                           03           12/01/02         30
    3268903                              O            11/01/32
    0

    8123429          X81/G02             F          208,000.00         ZZ
                                         360        208,000.00          2
                                       6.500          1,314.70         80
                                       6.250          1,314.70
    MINNEAPOLIS      MN   55409          5            10/04/02         00
    0434790200                           05           12/01/02          0
    952546                               O            11/01/32
    0

    8125271          A06/G02             F          215,000.00         ZZ
                                         360        215,000.00          1
                                       6.250          1,323.80         78
                                       6.000          1,323.80
    OAKLAND          CA   94619          5            10/03/02         00
    0434786695                           05           12/01/02          0
    1                                    O            11/01/32
    0

    8125847          A06/G02             F          200,000.00         ZZ
                                         360        200,000.00          1
                                       6.125          1,215.23         79
                                       5.875          1,215.23
    BRIGHTON         MI   48116          5            10/09/02         00
    0434786430                           05           12/01/02          0
    1                                    O            11/01/32
    0

    8125997          A06/G02             F          300,000.00         ZZ
                                         360        300,000.00          1
                                       6.125          1,822.84         54
                                       5.875          1,822.84
    ANN ARBOR        MI   48104          2            10/07/02         00
    0434768248                           05           12/01/02          0
    1000020221813                        O            11/01/32
    0

    8127349          P44/G02             F          215,000.00         ZZ
                                         300        215,000.00          1
                                       6.125          1,401.72         59
                                       5.875          1,401.72
    READING          MA   01867          2            10/09/02         00
    0434787438                           05           12/01/02          0
    0012006                              O            11/01/27
    0
1

    8127479          P44/G02             F          300,000.00         ZZ
                                         360        300,000.00          1
                                       6.250          1,847.15         73
                                       6.000          1,847.15
    MEDFORD          MA   02155          5            10/11/02         00
    0434796181                           05           12/01/02          0
    0011955                              O            11/01/32
    0

    8127903          N67/G02             F          207,900.00         ZZ
                                         360        207,725.33          1
                                       6.875          1,365.76         80
                                       6.625          1,365.76
    KANSAS CITY      MO   64133          1            09/18/02         00
    0434745097                           05           11/01/02          0
    1161001678A                          O            10/01/32
    0

    8127975          N67/G02             F          300,000.00         ZZ
                                         360        299,728.80          1
                                       6.500          1,896.20         69
                                       6.250          1,896.20
    FOUNTIAN HILLS   AZ   85268          1            09/10/02         00
    0434745626                           03           11/01/02          0
    1760003062A                          O            10/01/32
    0

    8128211          N67/G02             F          126,000.00         ZZ
                                         360        125,901.71          1
                                       7.250            859.54         90
                                       7.000            859.54
    SAVANNAH         GA   31415          1            09/19/02         01
    0434747655                           05           11/01/02         30
    3254002055A                          O            10/01/32
    0

    8128231          N67/G02             F           93,150.00         ZZ
                                         360         93,075.51          1
                                       7.125            627.57         90
                                       6.875            627.57
    COLUMBIA         TN   38401          1            09/16/02         10
    0434747887                           05           11/01/02         30
    3254002185A                          O            10/01/32
    0

    8128633          N67/G02             F          219,000.00         ZZ
                                         360        218,802.02          1
1

                                       6.500          1,384.23         60
                                       6.250          1,384.23
    DORCHESTER       MA   02122          1            09/19/02         00
    0434752960                           05           11/01/02          0
    3274004463A                          O            10/01/32
    0

    8128661          P09/G02             F          222,000.00         ZZ
                                         240        222,000.00          1
                                       6.250          1,622.66         70
                                       6.000          1,622.66
    SPRINGFIELD      VA   22152          2            10/15/02         00
    0434792677                           05           12/01/02          0
    R0209007                             O            11/01/22
    0

    8128663          R84/G02             F           70,000.00         ZZ
                                         240         69,713.76          1
                                       6.500            521.90         75
                                       6.250            521.90
    ATHENS           TN   37303          5            08/23/02         00
    0434802922                           05           10/01/02          0
    R2070116                             O            09/01/22
    0

    8128947          Q14/G02             F           82,000.00         ZZ
                                         360         82,000.00          1
                                       6.375            511.57         74
                                       6.125            511.57
    ALTOONA          IA   50009          2            10/14/02         00
    0434768438                           05           12/01/02          0
    0209081                              O            11/01/32
    0

    8128989          E82/G02             F           97,300.00         ZZ
                                         360         97,300.00          1
                                       6.375            607.03         80
                                       6.125            607.03
    LANGHORNE        PA   19047          2            10/17/02         00
    0400716353                           07           12/01/02          0
    1696370                              O            11/01/32
    0

    8129047          E82/G02             F          120,000.00         ZZ
                                         360        120,000.00          4
                                       6.875            788.31         80
                                       6.625            788.31
    CINCINNATI       OH   45238          2            10/18/02         00
    0400715033                           05           12/01/02          0
1

    4396785                              N            11/01/32
    0

    8129051          E82/G02             F          120,000.00         ZZ
                                         360        120,000.00          4
                                       6.875            788.31         80
                                       6.625            788.31
    CINCINNATI       OH   45238          2            10/18/02         00
    0400715009                           05           12/01/02          0
    4396801                              N            11/01/32
    0

    8129059          E82/G02             F           90,100.00         ZZ
                                         360         90,020.51          1
                                       6.625            576.92         74
                                       6.375            576.92
    TEMPE            AZ   85283          2            09/23/02         00
    0400691168                           09           11/01/02          0
    0400691168                           O            10/01/32
    0

    8129157          L96/G02             F          165,000.00         ZZ
                                         360        165,000.00          1
                                       6.375          1,029.39         79
                                       6.125          1,029.39
    CASTAIC AREA     CA   91384          1            10/01/02         00
    0434815221                           27           12/01/02          0
    92032101                             O            11/01/32
    0

    8129221          L76/G02             F          125,400.00         ZZ
                                         360        125,400.00          1
                                       6.875            823.79         95
                                       6.625            823.79
    FARIBAULT        MN   55021          2            10/15/02         11
    0434794558                           05           12/01/02         30
    9507237                              O            11/01/32
    0

    8129783          X64/G02             F          136,000.00         T
                                         360        136,000.00          1
                                       6.375            848.46         76
                                       6.125            848.46
    CHIKAMING        MI   49128          1            10/11/02         00
    0434779211                           05           12/01/02          0
    9719316                              O            11/01/32
    0

1

    8129995          E22/G02             F          198,000.00         ZZ
                                         360        198,000.00          1
                                       6.500          1,251.49         75
                                       6.250          1,251.49
    CHINO            CA   91710          5            09/30/02         00
    0414914903                           05           12/01/02          0
    0414914903                           O            11/01/32
    0

    8129999          E22/G02             F          200,000.00         ZZ
                                         360        200,000.00          1
                                       6.750          1,297.20         71
                                       6.500          1,297.20
    YPSILANTI TWP    MI   48197          2            10/14/02         00
    0414915090                           05           12/01/02          0
    0414915090                           O            11/01/32
    0

    8130011          E22/G02             F           98,000.00         ZZ
                                         360         98,000.00          1
                                       6.875            643.79         80
                                       6.625            643.79
    REDDING          CA   96001          5            10/10/02         00
    0414934810                           05           12/01/02          0
    0414934810                           O            11/01/32
    0

    8130037          E22/G02             F           99,000.00         ZZ
                                         360         99,000.00          1
                                       6.875            650.36         78
                                       6.625            650.36
    JOLIET           IL   60435          2            10/18/02         00
    0415004332                           05           12/01/02          0
    0415004332                           N            11/01/32
    0

    8130055          E22/G02             F           83,300.00         ZZ
                                         360         83,300.00          1
                                       7.500            582.45         85
                                       7.250            582.45
    PORT SAINT LUCI  FL   34953          2            10/18/02         04
    0415029016                           05           12/01/02         20
    0415029016                           N            11/01/32
    0

    8130141          E22/G02             F          191,200.00         ZZ
                                         360        191,200.00          1
                                       6.500          1,208.51         80
                                       6.250          1,208.51
1

    KENMORE          WA   98028          1            10/15/02         00
    0415042860                           05           12/01/02          0
    0415042860                           O            11/01/32
    0

    8130167          E22/G02             F          300,000.00         ZZ
                                         360        300,000.00          1
                                       6.250          1,847.15         80
                                       6.000          1,847.15
    CARY             IL   60013          1            10/18/02         00
    0415130335                           05           12/01/02          0
    0415130335                           O            11/01/32
    0

    8130169          E22/G02             F           65,700.00         ZZ
                                         360         65,700.00          1
                                       7.250            448.19         90
                                       7.000            448.19
    ST. LOUIS        MO   63114          1            10/18/02         04
    0415133693                           05           12/01/02         25
    0415133693                           N            11/01/32
    0

    8130177          E22/G02             F          240,000.00         ZZ
                                         360        240,000.00          1
                                       6.375          1,497.29         79
                                       6.125          1,497.29
    GARDEN GROVE     CA   92840          5            10/09/02         00
    0415154525                           05           12/01/02          0
    0415154525                           O            11/01/32
    0

    8130183          E22/G02             F          230,000.00         ZZ
                                         360        230,000.00          1
                                       6.500          1,453.76         63
                                       6.250          1,453.76
    HIALEAH          FL   33018          1            10/18/02         00
    0415165380                           03           12/01/02          0
    0415165380                           O            11/01/32
    0

    8130185          E22/G02             F          103,000.00         T
                                         360        103,000.00          1
                                       6.625            659.52         80
                                       6.375            659.52
    CHEYENNE         WY   82001          2            10/18/02         00
    0415175454                           05           12/01/02          0
    0415175454                           O            11/01/32
    0
1

    8130189          E22/G02             F          189,000.00         ZZ
                                         360        189,000.00          1
                                       6.875          1,241.60         90
                                       6.625          1,241.60
    BEALTON          VA   22712          5            10/14/02         04
    0415178904                           05           12/01/02         25
    0415178904                           O            11/01/32
    0

    8130195          E22/G02             F           60,300.00         ZZ
                                         360         60,300.00          1
                                       6.875            396.13         90
                                       6.625            396.13
    ANDERSON         IN   46012          5            10/14/02         11
    0415182096                           05           12/01/02         25
    0415182096                           O            11/01/32
    0

    8130197          E22/G02             F           66,400.00         ZZ
                                         360         66,400.00          1
                                       6.625            425.17         80
                                       6.375            425.17
    HOUSTON          TX   77023          1            10/18/02         00
    0414791384                           05           12/01/02          0
    0414791384                           O            11/01/32
    0

    8130199          E22/G02             F          300,700.00         T
                                         360        300,700.00          1
                                       6.625          1,925.42         64
                                       6.375          1,925.42
    BETHANY BEACH    DE   19930          1            10/18/02         00
    0414797217                           06           12/01/02          0
    0414797217                           O            11/01/32
    0

    8130229          E22/G02             F          120,000.00         ZZ
                                         360        120,000.00          1
                                       6.375            748.64         55
                                       6.125            748.64
    OCALA            FL   34470          1            10/18/02         00
    0414952671                           05           12/01/02          0
    0414952671                           O            11/01/32
    0

    8130239          E22/G02             F          121,400.00         ZZ
                                         360        121,400.00          1
1

                                       6.875            797.51         77
                                       6.625            797.51
    SPRINGFIELD      OR   97477          5            10/09/02         00
    0414963876                           05           12/01/02          0
    0414963876                           O            11/01/32
    0

    8130251          E22/G02             F           45,000.00         ZZ
                                         360         45,000.00          1
                                       7.500            314.65         75
                                       7.250            314.65
    PUEBLO           CO   81003          2            10/18/02         00
    0414979906                           05           12/01/02          0
    0414979906                           N            11/01/32
    0

    8130259          E22/G02             F           78,400.00         ZZ
                                         360         78,400.00          1
                                       6.500            495.54         80
                                       6.250            495.54
    CHEYENNE         WY   82007          5            10/14/02         00
    0414983395                           03           12/01/02          0
    0414983395                           O            11/01/32
    0

    8130275          E22/G02             F           70,400.00         ZZ
                                         360         70,400.00          1
                                       6.375            439.20         80
                                       6.125            439.20
    PILOT POINT      TX   76258          5            10/14/02         00
    0415056712                           05           12/01/02          0
    0415056712                           O            11/01/32
    0

    8130285          E22/G02             F           78,250.00         ZZ
                                         360         78,250.00          1
                                       7.500            547.14         85
                                       7.250            547.14
    DENVER           CO   80247          2            10/18/02         01
    0415073204                           01           12/01/02         12
    0415073204                           N            11/01/32
    0

    8130405          E22/G02             F           52,000.00         ZZ
                                         360         52,000.00          1
                                       6.625            332.96         80
                                       6.375            332.96
    HOUSTON          TX   77045          1            10/18/02         00
    0415035427                           05           12/01/02          0
1

    0415035427                           O            11/01/32
    0

    8130413          A35/G02             F          260,000.00         ZZ
                                         360        260,000.00          1
                                       6.250          1,600.86         80
                                       6.000          1,600.86
    MANORVILLE       NY   11949          1            10/16/02         00
    0434799888                           05           12/01/02          0
    14255                                O            11/01/32
    0

    8130485          A35/G02             F          212,000.00         ZZ
                                         360        212,000.00          1
                                       6.375          1,322.60         80
                                       6.125          1,322.60
    ISLIP TERRACE    NY   11752          1            10/16/02         00
    0434799946                           05           12/01/02          0
    FWW2571                              O            11/01/32
    0

    8130527          L96/G02             F          227,000.00         ZZ
                                         360        227,000.00          1
                                       6.625          1,453.51         75
                                       6.375          1,453.51
    LOS ANGELES      CA   91344          5            10/03/02         00
    0434795852                           05           12/01/02          0
    92503601                             O            11/01/32
    0

    8130785          642/G02             F          132,930.00         ZZ
                                         360        132,930.00          4
                                       7.250            906.82         90
                                       7.000            906.82
    FARGO            ND   58103          1            10/10/02         11
    0434783924                           05           12/01/02         25
    08234502                             N            11/01/32
    0

    8131573          L16/G02             F          130,590.00         ZZ
                                         360        130,590.00          3
                                       7.500            913.10         90
                                       7.250            913.10
    BAKERSFIELD      CA   93305          1            10/14/02         04
    0434790051                           05           12/01/02         25
    7261                                 N            11/01/32
    0

1

    8132097          A06/G02             F          107,200.00         ZZ
                                         360        107,200.00          1
                                       6.375            668.79         78
                                       6.125            668.79
    REDFORD          MI   48239          2            10/08/02         00
    0434786554                           05           12/01/02          0
    0020222298                           O            11/01/32
    0

    8132653          G34/G02             F          287,000.00         ZZ
                                         360        287,000.00          1
                                       6.375          1,790.51         56
                                       6.125          1,790.51
    SAN RAMON        CA   94583          1            10/08/02         00
    0434804498                           03           12/01/02          0
    48200774                             N            11/01/32
    0

    8132811          B44/G02             F          155,120.00         ZZ
                                         360        155,120.00          1
                                       6.250            955.10         80
                                       6.000            955.10
    BOISE            ID   83713          1            10/11/02         00
    0434797692                           03           12/01/02          0
    4021600                              O            11/01/32
    0

    8133013          E82/G02             F          144,000.00         ZZ
                                         360        144,000.00          4
                                       6.250            886.63         68
                                       6.000            886.63
    NORTH LAUDERDAL  FL   33068          2            10/18/02         00
    0400704094                           05           12/01/02          0
    3106078                              N            11/01/32
    0

    8133015          E82/G02             F          144,000.00         ZZ
                                         360        144,000.00          4
                                       6.375            898.37         68
                                       6.125            898.37
    NORTH LAUDERDAL  FL   33068          2            10/18/02         00
    0400703153                           05           12/01/02          0
    3106077                              N            11/01/32
    0

    8133043          E82/G02             F           97,200.00         ZZ
                                         360         97,200.00          1
                                       6.625            622.38         78
                                       6.375            622.38
1

    WOODLAND         WA   98674          2            10/16/02         00
    0400679403                           05           12/01/02          0
    7808108                              O            11/01/32
    0

    8133051          E82/G02             F          116,800.00         ZZ
                                         360        116,800.00          1
                                       6.625            747.88         67
                                       6.375            747.88
    STAFFORD         VA   22554          2            10/15/02         00
    0400688412                           05           12/01/02          0
    0400688412                           O            11/01/32
    0

    8133233          E82/G02             F           96,500.00         ZZ
                                         360         96,500.00          3
                                       6.500            609.95         75
                                       6.250            609.95
    WOONSOCKET       RI   02895          2            10/17/02         00
    0400703799                           05           12/01/02          0
    4374457                              N            11/01/32
    0

    8133235          E82/G02             F          100,000.00         ZZ
                                         360        100,000.00          1
                                       6.500            632.07         67
                                       6.250            632.07
    MORRISVILLE      PA   19067          5            10/16/02         00
    0400705505                           05           12/01/02          0
    0400705505                           O            11/01/32
    0

    8133251          E82/G02             F          122,300.00         ZZ
                                         360        122,300.00          1
                                       6.625            783.10         56
                                       6.375            783.10
    SONORA           CA   95370          2            10/16/02         00
    0400697215                           05           12/01/02          0
    1883214                              O            11/01/32
    0

    8133259          E82/G02             F           90,500.00         ZZ
                                         360         90,500.00          1
                                       6.375            564.60         51
                                       6.125            564.60
    SANDY            UT   84094          2            10/15/02         00
    0400702973                           07           12/01/02          0
    1850302                              O            11/01/32
    0
1

    8133279          E82/G02             F          242,300.00         ZZ
                                         360        242,300.00          1
                                       6.250          1,491.88         65
                                       6.000          1,491.88
    SAN JUAN CAPIST  CA   92675          2            10/14/02         00
    0400704227                           05           12/01/02          0
    1862134                              O            11/01/32
    0

    8133609          E22/G02             F           68,000.00         ZZ
                                         360         68,000.00          1
                                       6.625            435.41         80
                                       6.375            435.41
    TEXAS CITY       TX   77590          5            10/16/02         00
    0414947580                           03           12/01/02          0
    0414947580                           O            11/01/32
    0

    8133611          E22/G02             F           87,500.00         ZZ
                                         360         87,500.00          1
                                       6.625            560.27         93
                                       6.375            560.27
    NEW RICHMOND     OH   45157          5            10/15/02         04
    0414953000                           05           12/01/02         25
    0414953000                           O            11/01/32
    0

    8133621          E22/G02             F           82,000.00         ZZ
                                         360         82,000.00          1
                                       6.500            518.30         90
                                       6.250            518.30
    MAIZE            KS   67101          5            10/16/02         01
    0414956953                           05           12/01/02         25
    0414956953                           O            11/01/32
    0

    8133627          E22/G02             F          200,000.00         ZZ
                                         360        200,000.00          1
                                       6.875          1,313.86         84
                                       6.625          1,313.86
    VALLEJO          CA   94591          5            10/12/02         11
    0414957548                           05           12/01/02         12
    0414957548                           O            11/01/32
    0

    8133631          E22/G02             F           96,000.00         ZZ
                                         360         96,000.00          1
1

                                       6.875            630.65         80
                                       6.625            630.65
    CANDLER          NC   28715          2            10/16/02         00
    0414958868                           05           12/01/02          0
    0414958868                           O            11/01/32
    0

    8133647          E22/G02             F          300,700.00         ZZ
                                         360        300,700.00          1
                                       7.000          2,000.56         84
                                       6.750          2,000.56
    SPRINGFIELD      VA   22152          5            10/16/02         01
    0414978536                           05           12/01/02         12
    0414978536                           O            11/01/32
    0

    8133665          E22/G02             F          133,600.00         ZZ
                                         360        133,600.00          1
                                       6.375            833.49         84
                                       6.125            833.49
    SPRINGFIELD      OR   97478          2            10/15/02         04
    0415007103                           05           12/01/02          6
    0415007103                           O            11/01/32
    0

    8133675          E22/G02             F           94,000.00         ZZ
                                         360         94,000.00          1
                                       6.500            594.14         74
                                       6.250            594.14
    LOVELAND         CO   80537          2            10/21/02         00
    0415034891                           09           12/01/02          0
    0415034891                           N            11/01/32
    0

    8133679          E22/G02             F          121,500.00         ZZ
                                         360        121,500.00          1
                                       6.750            788.05         75
                                       6.500            788.05
    CHESTERFIELD     MI   48051          1            10/21/02         00
    0415041995                           01           12/01/02          0
    0415041995                           O            11/01/32
    0

    8133687          E22/G02             F           73,800.00         ZZ
                                         360         73,800.00          1
                                       7.375            509.72         90
                                       7.125            509.72
    KENNEWICK        WA   99336          5            10/11/02         04
    0415044254                           05           12/01/02         25
1

    0415044254                           O            11/01/32
    0

    8133693          E22/G02             F          271,000.00         ZZ
                                         360        271,000.00          1
                                       6.250          1,668.59         76
                                       6.000          1,668.59
    HURST            TX   76054          2            10/16/02         00
    0415045533                           05           12/01/02          0
    0415045533                           O            11/01/32
    0

    8133701          E22/G02             F          131,000.00         ZZ
                                         360        131,000.00          1
                                       6.500            828.01         80
                                       6.250            828.01
    FRUITVALE        CO   81504          1            10/21/02         00
    0415082437                           05           12/01/02          0
    0415082437                           O            11/01/32
    0

    8133707          A06/G02             F          132,000.00         ZZ
                                         360        132,000.00          1
                                       6.125            802.05         71
                                       5.875            802.05
    ROYAL OAK        MI   48073          5            10/14/02         00
    0434796256                           05           12/01/02          0
    021000020222808                      O            11/01/32
    0

    8133725          E22/G02             F           85,600.00         ZZ
                                         360         85,600.00          1
                                       7.125            576.70         80
                                       6.875            576.70
    ARLINGTON        TX   76015          5            10/16/02         00
    0415092493                           05           12/01/02          0
    0415092493                           O            11/01/32
    0

    8133745          E22/G02             F          180,500.00         ZZ
                                         360        180,500.00          1
                                       7.000          1,200.87         95
                                       6.750          1,200.87
    CLIFFWOOD BEACH  NJ   07735          5            10/16/02         10
    0414443838                           05           12/01/02         30
    0414443838                           O            11/01/32
    0

1

    8133767          E22/G02             F          145,000.00         ZZ
                                         360        145,000.00          1
                                       7.250            989.16         87
                                       7.000            989.16
    HUEYTOWN         AL   35023          2            10/16/02         04
    0414791277                           05           12/01/02         30
    0414791277                           O            11/01/32
    0

    8133793          E22/G02             F          166,500.00         ZZ
                                         360        166,500.00          1
                                       6.750          1,079.92         75
                                       6.500          1,079.92
    KYLE             TX   78640          5            10/15/02         00
    0414868612                           05           12/01/02          0
    0414868612                           O            11/01/32
    0

    8133797          E22/G02             F          262,500.00         ZZ
                                         360        262,500.00          1
                                       6.625          1,680.82         79
                                       6.375          1,680.82
    WEST HILLS       CA   91307          5            10/07/02         00
    0414873257                           05           12/01/02          0
    0414873257                           O            11/01/32
    0

    8133807          E22/G02             F           95,000.00         ZZ
                                         360         95,000.00          1
                                       6.500            600.46         95
                                       6.250            600.46
    IRVINGTON        AL   36544          5            10/16/02         11
    0414902320                           05           12/01/02         30
    0414902320                           O            11/01/32
    0

    8133821          X72/G02             F          138,500.00         ZZ
                                         360        138,500.00          1
                                       6.375            864.06         75
                                       6.125            864.06
    ARVADA           CO   80002          5            10/17/02         00
    0434802807                           05           12/01/02          0
    20021129                             N            11/01/32
    0

    8133863          E22/G02             F          375,000.00         ZZ
                                         360        375,000.00          3
                                       6.875          2,463.48         60
                                       6.625          2,463.48
1

    SANTEE           CA   92071          5            10/11/02         00
    0415058759                           05           12/01/02          0
    0415058759                           O            11/01/32
    0

    8133867          Q57/G02             F          265,000.00         ZZ
                                         360        265,000.00          1
                                       6.250          1,631.65         75
                                       6.000          1,631.65
    UPLAND           CA   91784          1            10/02/02         00
    0434797320                           03           12/01/02          0
    48400725                             O            11/01/32
    0

    8133935          E22/G02             F           72,000.00         ZZ
                                         360         72,000.00          1
                                       7.000            479.02         90
                                       6.750            479.02
    HOMESTEAD        FL   33032          1            10/21/02         11
    0415117605                           05           12/01/02         25
    0415117605                           O            11/01/32
    0

    8133945          E22/G02             F           88,000.00         ZZ
                                         360         88,000.00          1
                                       7.000            585.47         80
                                       6.750            585.47
    PENSACOLA        FL   32503          5            10/21/02         00
    0415118058                           05           12/01/02          0
    0415118058                           N            11/01/32
    0

    8133963          E22/G02             F          116,000.00         ZZ
                                         360        116,000.00          1
                                       6.500            733.20         80
                                       6.250            733.20
    SUNRISE          FL   33323          2            10/15/02         00
    0415168129                           05           12/01/02          0
    0415168129                           O            11/01/32
    0

    8133971          E22/G02             F           77,400.00         ZZ
                                         360         77,400.00          1
                                       6.750            502.01         90
                                       6.500            502.01
    NORFOLK          VA   23508          1            10/18/02         04
    0415174416                           05           12/01/02         25
    0415174416                           N            11/01/32
    0
1

    8134043          E22/G02             F          108,000.00         ZZ
                                         360        108,000.00          1
                                       6.375            673.78         80
                                       6.125            673.78
    OLIVE BRANCH     MS   38654          1            10/21/02         00
    0415261379                           03           12/01/02          0
    0415261379                           O            11/01/32
    0

    8134051          Q87/G02             F          112,575.00         ZZ
                                         360        112,470.73          1
                                       6.375            702.32         95
                                       6.125            702.32
    MACON            GA   31216          5            09/27/02         10
    0434809844                           05           11/02/02         30
    HEJ004                               O            10/02/32
    0

    8134121          601/G02             F           78,400.00         ZZ
                                         360         78,280.32          2
                                       7.375            541.49         80
                                       7.125            541.49
    CHEYENNE         WY   82001          1            08/30/02         00
    0434794681                           05           10/01/02          0
    61832168                             N            09/01/32
    0

    8134243          601/G02             F           68,000.00         ZZ
                                         360         67,896.20          2
                                       7.375            469.66         80
                                       7.125            469.66
    CHEYENNE         WY   82001          1            08/30/02         00
    0434793980                           05           10/01/02          0
    61831442                             N            09/01/32
    0

    8134291          601/G02             F           91,200.00         ZZ
                                         360         91,119.53          1
                                       6.625            583.96         80
                                       6.375            583.96
    TOMS RIVER       NJ   08753          1            09/23/02         00
    0434796652                           01           11/01/02          0
    61639365                             N            10/01/32
    0

    8134621          601/G02             F           80,000.00         ZZ
                                         360         79,880.89          1
1

                                       7.500            559.37         63
                                       7.250            559.37
    GATLINBURG       TN   37738          2            08/28/02         00
    0434818399                           05           10/01/02          0
    61302626                             O            09/01/32
    0

    8134661          601/G02             F          105,000.00         ZZ
                                         360        104,907.36          1
                                       6.875            689.78         78
                                       6.625            689.78
    ALLENTOWN        PA   18103          2            09/09/02         00
    0434814117                           05           11/01/02          0
    61710133                             O            10/01/32
    0

    8134723          601/G02             F          120,650.00         ZZ
                                         360        120,553.50          1
                                       7.125            812.85         95
                                       6.875            812.85
    ALTOONA          IA   50009          1            09/30/02         11
    0434820221                           05           11/01/02         30
    61534764                             O            10/01/32
    0

    8134857          L20/G02             F          146,400.00         ZZ
                                         360        146,400.00          1
                                       6.375            913.35         80
                                       6.125            913.35
    PLEASANT VIEW    UT   84414          1            10/16/02         00
    0434798229                           05           12/01/02          0
    1061070034                           O            11/01/32
    0

    8134897          F61/G02             F          195,700.00         ZZ
                                         360        195,700.00          1
                                       7.000          1,302.00         95
                                       6.750          1,302.00
    BOTHELL          WA   98021          1            10/09/02         04
    0434848404                           05           12/01/02         30
    022036B                              O            11/01/32
    0

    8135155          601/G02             F          300,000.00         ZZ
                                         240        300,000.00          1
                                       6.750          2,281.10         80
                                       6.500          2,281.10
    MCHENRY          IL   60050          5            10/07/02         00
    0434806774                           05           12/01/02          0
1

    6179877                              O            11/01/22
    0

    8135173          601/G02             F           97,750.00         ZZ
                                         360         97,665.83          1
                                       6.750            634.00         83
                                       6.500            634.00
    WINDER           GA   30680          2            09/20/02         14
    0434803458                           05           11/01/02         12
    61804928                             O            10/01/32
    0

    8135213          N47/G02             F          306,000.00         ZZ
                                         360        306,000.00          2
                                       7.000          2,035.83         75
                                       6.750          2,035.83
    HAYWARD          CA   94541          1            10/03/02         00
    0434811212                           05           12/01/02          0
    20500142                             N            11/01/32
    0

    8135499          X51/G02             F          300,700.00         ZZ
                                         360        300,700.00          1
                                       6.875          1,975.38         80
                                       6.625          1,975.38
    CORONA           CA   92882          5            10/08/02         00
    0434784450                           05           12/01/02          0
    R2053831                             O            11/01/32
    0

    8137655          144/144             F           91,200.00         ZZ
                                         360         91,117.55          1
                                       6.500            576.45         80
                                       6.250            576.45
    GRANVILLE        NY   12832          1            10/01/02         00
    160699199                            05           11/01/02          0
    160699199                            O            10/01/32
    0

    8137737          U05/G02             F           52,000.00         ZZ
                                         360         52,000.00          1
                                       6.750            337.27         80
                                       6.500            337.27
    MIAMI            FL   33166          1            10/15/02         00
    0434816740                           01           12/01/02          0
    3265489                              N            11/01/32
    0

1

    8137815          U05/G02             F          116,800.00         ZZ
                                         360        116,800.00          1
                                       6.375            728.68         80
                                       6.125            728.68
    AUSTIN           TX   78750          5            10/03/02         00
    0434817169                           05           12/01/02          0
    3264452                              O            11/01/32
    0

    8137855          822/G02             F          278,100.00         ZZ
                                         360        278,100.00          3
                                       6.750          1,803.76         90
                                       6.500          1,803.76
    MARGATE          NJ   08402          1            10/03/02         12
    0434804456                           05           12/01/02         25
    3626110109                           N            11/01/32
    0

    8137919          253/253             F           95,000.00         ZZ
                                         360         94,920.18          1
                                       6.875            624.09         59
                                       6.625            624.09
    HAMBURG          PA   19526          2            09/12/02         00
    433836                               05           11/01/02          0
    433836                               O            10/01/32
    0

    8137967          E22/G02             F           52,000.00         ZZ
                                         360         52,000.00          1
                                       6.750            337.27         66
                                       6.500            337.27
    HOUSTON          TX   77009          5            10/22/02         00
    0414731513                           05           12/01/02          0
    0414731513                           N            11/01/32
    0

    8137973          E22/G02             F          290,000.00         ZZ
                                         360        289,511.34          3
                                       6.875          1,905.09         69
                                       6.625          1,905.09
    WHITE PLAINS     NY   10606          2            08/08/02         00
    0414321448                           05           10/01/02          0
    0414321448                           N            09/01/32
    0

    8138015          E22/G02             F          158,500.00         ZZ
                                         360        158,500.00          1
                                       6.500          1,001.83         85
                                       6.250          1,001.83
1

    MODESTO          CA   95351          5            10/10/02         04
    0414919175                           05           12/01/02         12
    0414919175                           O            11/01/32
    0

    8138019          E22/G02             F           86,400.00         ZZ
                                         360         86,400.00          2
                                       6.750            560.39         80
                                       6.500            560.39
    FRESNO           CA   93704          1            10/08/02         00
    0414927673                           05           12/01/02          0
    0414927673                           N            11/01/32
    0

    8138031          E22/G02             F          218,250.00         ZZ
                                         360        218,250.00          1
                                       6.875          1,433.75         90
                                       6.625          1,433.75
    GRASS VALLEY     CA   95949          1            10/11/02         01
    0414962423                           05           12/01/02         25
    0414962423                           O            11/01/32
    0

    8138039          E22/G02             F          144,000.00         ZZ
                                         360        144,000.00          1
                                       6.250            886.63         80
                                       6.000            886.63
    BROOKSIDE VILLA  TX   77581          1            10/22/02         00
    0414972505                           05           12/01/02          0
    0414972505                           O            11/01/32
    0

    8138047          E22/G02             F           79,400.00         ZZ
                                         360         79,400.00          1
                                       6.625            508.41         75
                                       6.375            508.41
    HORSE SHOE       NC   28742          5            10/17/02         00
    0414978239                           05           12/01/02          0
    0414978239                           O            11/01/32
    0

    8138063          E22/G02             F          285,000.00         ZZ
                                         360        285,000.00          1
                                       6.000          1,708.72         75
                                       5.750          1,708.72
    FULLERTON        CA   92831          2            10/11/02         00
    0414999128                           05           12/01/02          0
    0414999128                           O            11/01/32
    0
1

    8138075          E22/G02             F          101,473.00         ZZ
                                         360        101,473.00          1
                                       6.625            649.74         79
                                       6.375            649.74
    HIALEAH          FL   33018          5            10/15/02         00
    0415016039                           01           12/01/02          0
    0415016039                           O            11/01/32
    0

    8138099          E22/G02             F           51,000.00         ZZ
                                         360         51,000.00          1
                                       6.875            335.03         67
                                       6.625            335.03
    PUEBLO           CO   81004          5            10/22/02         00
    0415068105                           05           12/01/02          0
    0415068105                           N            11/01/32
    0

    8138115          E22/G02             F          192,000.00         ZZ
                                         360        192,000.00          1
                                       6.625          1,229.40         80
                                       6.375          1,229.40
    EUGENE           OR   97405          1            10/17/02         00
    0415083229                           03           12/01/02          0
    0415083229                           O            11/01/32
    0

    8138149          E22/G02             F           92,000.00         ZZ
                                         360         92,000.00          1
                                       6.875            604.37         80
                                       6.625            604.37
    COLORADO SPRING  CO   80909          1            10/22/02         00
    0415118025                           05           12/01/02          0
    0415118025                           N            11/01/32
    0

    8138171          E22/G02             F          194,250.00         ZZ
                                         360        194,250.00          1
                                       6.750          1,259.90         75
                                       6.500          1,259.90
    AUBURN           CA   95602          1            10/15/02         00
    0415138163                           05           12/01/02          0
    0415138163                           N            11/01/32
    0

    8138175          E22/G02             F          104,200.00         ZZ
                                         360        104,200.00          4
1

                                       7.125            702.01         90
                                       6.875            702.01
    BATON ROUGE      LA   70816          1            10/22/02         04
    0415141191                           05           12/01/02         25
    0415141191                           N            11/01/32
    0

    8138201          E22/G02             F          189,600.00         ZZ
                                         360        189,600.00          1
                                       6.500          1,198.40         80
                                       6.250          1,198.40
    LAWNDALE         CA   90260          1            10/15/02         00
    0415169150                           05           12/01/02          0
    0415169150                           O            11/01/32
    0

    8138205          E22/G02             F          103,120.00         ZZ
                                         360        103,120.00          2
                                       7.875            747.69         80
                                       7.625            747.69
    FRESNO           CA   93703          1            10/16/02         00
    0415175587                           05           12/01/02          0
    0415175587                           N            11/01/32
    0

    8138217          E22/G02             F           62,400.00         ZZ
                                         360         62,400.00          1
                                       7.250            425.68         80
                                       7.000            425.68
    WESTLAND         MI   48186          1            10/22/02         00
    0415180124                           05           12/01/02          0
    0415180124                           N            11/01/32
    0

    8138231          E22/G02             F          324,000.00         ZZ
                                         360        324,000.00          2
                                       6.375          2,021.34         80
                                       6.125          2,021.34
    SAN DIEGO        CA   92117          1            10/15/02         00
    0415211598                           05           12/01/02          0
    0415211598                           O            11/01/32
    0

    8138255          E22/G02             F           91,120.00         ZZ
                                         360         91,120.00          1
                                       6.875            598.59         80
                                       6.625            598.59
    MERIDIAN         ID   83642          1            10/11/02         00
    0415265859                           03           12/01/02          0
1

    0415265859                           N            11/01/32
    0

    8138267          E22/G02             F           62,700.00         ZZ
                                         360         62,700.00          1
                                       7.375            433.05         95
                                       7.125            433.05
    TAMPA            FL   33611          5            10/17/02         04
    0414720664                           09           12/01/02         25
    0414720664                           O            11/01/32
    0

    8138281          E22/G02             F          130,000.00         ZZ
                                         360        130,000.00          1
                                       6.750            843.18         69
                                       6.500            843.18
    MIAMI            FL   33182          2            10/17/02         00
    0414813535                           05           12/01/02          0
    0414813535                           O            11/01/32
    0

    8138307          E22/G02             F          145,000.00         ZZ
                                         360        145,000.00          1
                                       6.250            892.79         71
                                       6.000            892.79
    CONCORD          CA   94521          5            10/16/02         00
    0414907006                           09           12/01/02          0
    0414907006                           O            11/01/32
    0

    8138333          G51/G02             F          116,800.00         ZZ
                                         360        116,800.00          1
                                       7.250            796.79         80
                                       7.000            796.79
    DENVER           CO   80212          5            10/15/02         00
    0434801155                           05           12/01/02          0
    28000009                             O            11/01/32
    0

    8138341          U05/G02             F          110,200.00         ZZ
                                         360        110,200.00          1
                                       6.500            696.54         95
                                       6.250            696.54
    LAREDO           TX   78041          1            10/15/02         10
    0434796934                           09           12/01/02         30
    3267930                              O            11/01/32
    0

1

    8138359          758/G02             F          260,700.00         ZZ
                                         360        260,469.99          1
                                       6.625          1,669.29         39
                                       6.375          1,669.29
    LOVELAND         CO   80537          1            09/10/02         00
    0434793030                           05           11/01/02          0
    611751                               N            10/01/32
    0

    8138537          W93/G02             F           73,200.00         ZZ
                                         360         73,200.00          1
                                       6.500            462.68         80
                                       6.250            462.68
    NAMPA            ID   83686          1            10/16/02         00
    0434790317                           05           12/01/02          0
    60392437                             O            11/01/32
    0

    8138543          M18/G02             F          300,000.00         ZZ
                                         360        299,715.35          1
                                       6.250          1,847.15         78
                                       6.000          1,847.15
    GLENDALE         CA   91208          2            09/05/02         00
    0434803102                           05           11/01/02          0
    980102012                            O            10/01/32
    0

    8138571          S27/G02             F           52,500.00         ZZ
                                         360         52,500.00          1
                                       7.250            358.15         75
                                       7.000            358.15
    INDIANAPOLIS     IN   46218          5            10/16/02         00
    0434796975                           05           12/01/02          0
    1830002355                           N            11/01/32
    0

    8138611          U05/G02             F           62,800.00         ZZ
                                         360         62,800.00          1
                                       6.750            407.32         80
                                       6.500            407.32
    BEAUMONT         TX   77703          5            10/09/02         00
    0434818548                           05           12/01/02          0
    3264478                              O            11/01/32
    0

    8138867          F32/G02             F          160,000.00         ZZ
                                         360        160,000.00          1
                                       6.375            998.20         75
                                       6.125            998.20
1

    BALL GROUND      GA   30107          5            10/11/02         00
    0434803631                           05           12/01/02          0
    15149040                             O            11/01/32
    0

    8139063          B44/G02             F          123,000.00         ZZ
                                         360        123,000.00          1
                                       6.375            767.36         73
                                       6.125            767.36
    BOISE            ID   83705          2            10/03/02         00
    0434837092                           05           12/01/02          0
    4021556                              O            11/01/32
    0

    8139075          M66/G02             F           98,250.00         ZZ
                                         360         98,250.00          3
                                       7.375            678.59         90
                                       7.125            678.59
    LANCASTER        PA   17603          1            10/11/02         12
    0434802187                           05           12/01/02         25
    148684                               N            11/01/32
    0

    8139387          A52/G02             F          149,400.00         ZZ
                                         360        149,400.00          1
                                       6.750            969.01         90
                                       6.500            969.01
    MARIETTA         GA   30062          5            10/15/02         11
    0434801882                           05           12/01/02         25
    21574                                O            11/01/32
    0

    8139413          E47/G02             F          159,000.00         ZZ
                                         360        159,000.00          1
                                       6.375            991.95         78
                                       6.125            991.95
    CHICAGO          IL   60629          2            10/07/02         00
    0434805636                           05           12/01/02          0
    7360514320                           O            11/01/32
    0

    8139461          N47/G02             F          182,000.00         ZZ
                                         360        182,000.00          1
                                       6.750          1,180.45         79
                                       6.500          1,180.45
    MURRIETA         CA   92563          5            10/07/02         00
    0434813069                           05           12/01/02          0
    30122902                             O            11/01/32
    0
1

    8139573          U05/G02             F           70,200.00         ZZ
                                         360         70,200.00          1
                                       7.000            467.04         90
                                       6.750            467.04
    FRESNO           CA   93726          1            10/03/02         04
    0434864526                           05           12/01/02         25
    3264209                              N            11/01/32
    0

    8139851          E47/G02             F          116,800.00         ZZ
                                         360        116,800.00          2
                                       7.500            816.68         80
                                       7.250            816.68
    SACRAMENTO       CA   95824          1            10/08/02         00
    0434808689                           05           12/01/02          0
    7333012605                           N            11/01/32
    0

    8139885          U05/G02             F          135,000.00         ZZ
                                         360        135,000.00          1
                                       6.625            864.42         51
                                       6.375            864.42
    PALM CITY        FL   34990          1            10/11/02         00
    0434833851                           03           12/01/02          0
    3271766                              O            11/01/32
    0

    8139977          U05/G02             F          155,000.00         ZZ
                                         360        155,000.00          1
                                       6.500            979.71         78
                                       6.250            979.71
    HILLSBORO        OR   97123          2            10/02/02         00
    0434815734                           05           12/01/02          0
    3261997                              O            11/01/32
    0

    8140453          U05/G02             F          100,000.00         ZZ
                                         360        100,000.00          1
                                       7.000            665.30         77
                                       6.750            665.30
    MESQUITE         TX   75150          5            10/11/02         00
    0434861860                           05           12/01/02          0
    3269959                              O            11/01/32
    0

    8140475          738/G02             F          134,400.00         ZZ
                                         360        134,400.00          1
1

                                       6.500            849.50         80
                                       6.250            849.50
    MARIETTA         GA   30066          5            10/08/02         00
    0434784039                           05           12/01/02          0
    40551801                             O            11/01/32
    0

    8140501          N47/G02             F          296,000.00         ZZ
                                         360        296,000.00          1
                                       6.375          1,846.65         80
                                       6.125          1,846.65
    SAN DIEGO        CA   92116          1            10/09/02         00
    0434795506                           05           12/01/02          0
    30520269                             O            11/01/32
    0

    8140529          575/G02             F          178,470.00         ZZ
                                         360        178,330.77          3
                                       7.250          1,217.49         90
                                       7.000          1,217.49
    LAKEWOOD         OH   44107          1            09/30/02         11
    0434805339                           05           11/01/02         25
    0012245262                           N            10/01/32
    0

    8140561          W02/G02             F           60,000.00         ZZ
                                         360         60,000.00          1
                                       7.375            414.41         47
                                       7.125            414.41
    BETHEL           OH   45106          5            10/14/02         00
    0434855987                           05           12/01/02          0
    1001470507                           O            11/01/32
    0

    8140571          W02/G02             F          240,000.00         ZZ
                                         360        240,000.00          1
                                       6.625          1,536.75         49
                                       6.375          1,536.75
    DAYTONA BEACH    FL   32127          5            10/10/02         00
    0434824405                           05           12/01/02          0
    1001522366                           N            11/01/32
    0

    8140603          W02/G02             F           70,325.00         ZZ
                                         360         70,262.95          1
                                       6.625            450.30         80
                                       6.375            450.30
    ESTERO           FL   33928          5            09/19/02         00
    0434822466                           05           11/01/02          0
1

    1001501518                           O            10/01/32
    0

    8140619          W02/G02             F           72,000.00         ZZ
                                         360         71,936.47          1
                                       6.625            461.03         88
                                       6.375            461.03
    DUNEDIN          FL   34698          5            09/25/02         26
    0434824587                           01           11/01/02         25
    1001569144                           O            10/01/32
    0

    8140627          F36/G02             F          140,000.00         ZZ
                                         360        140,000.00          1
                                       6.250            862.00         66
                                       6.000            862.00
    SEATTLE          WA   98117          1            10/17/02         00
    0434812616                           05           12/01/02          0
    06405359                             O            11/01/32
    0

    8140663          U42/G02             F          108,000.00         ZZ
                                         360        108,000.00          1
                                       6.500            682.63         80
                                       6.250            682.63
    COLORADO SPRING  CO   80906          1            10/11/02         00
    0434808697                           05           12/01/02          0
    32200639                             N            11/01/32
    0

    8140669          A19/G02             F          269,100.00         ZZ
                                         360        269,100.00          2
                                       6.875          1,767.80         90
                                       6.625          1,767.80
    NORTH ANDOVER    MA   01845          1            10/21/02         04
    0434812954                           05           12/01/02         25
    7537200000                           N            11/01/32
    0

    8140723          738/G02             F          180,000.00         ZZ
                                         360        180,000.00          2
                                       6.625          1,152.56         80
                                       6.375          1,152.56
    CHARLESTON       SC   29401          5            10/11/02         00
    0434795456                           05           12/01/02          0
    0040642309-0014                      N            11/01/32
    0

1

    8140741          X67/G02             F          202,500.00         ZZ
                                         360        202,349.72          2
                                       7.500          1,415.91         90
                                       7.250          1,415.91
    MANCHESTER       NH   03103          1            10/01/02         12
    0434805065                           05           11/01/02         25
    00241137                             N            10/01/32
    0

    8140829          742/G02             F           45,000.00         ZZ
                                         360         45,000.00          1
                                       7.125            303.17         90
                                       6.875            303.17
    EAST ROCHESTER   NY   14445          1            10/16/02         11
    0434810891                           01           12/01/02         25
    5720156                              N            11/01/32
    0

    8140851          783/G02             F          123,750.00         ZZ
                                         360        123,750.00          2
                                       6.375            772.04         75
                                       6.125            772.04
    YAKIMA           WA   98908          5            10/09/02         00
    0434825915                           05           12/01/02          0
    9420030097                           N            11/01/32
    0

    8140877          408/G02             F           62,400.00         ZZ
                                         360         62,350.10          1
                                       7.125            420.40         80
                                       6.875            420.40
    MOORE            OK   73160          5            09/25/02         00
    0434808325                           05           11/01/02          0
    703029312                            N            10/01/32
    0

    8140889          X82/G02             F          224,000.00         ZZ
                                         360        224,000.00          1
                                       6.875          1,471.52         80
                                       6.625          1,471.52
    ARLINGTON        VA   22206          1            10/17/02         00
    0434803383                           01           12/01/02          0
    841905                               N            11/01/32
    0

    8140905          967/G02             F           79,920.00         ZZ
                                         360         79,849.48          1
                                       6.625            511.74         80
                                       6.375            511.74
1

    VANCOUVER        WA   98664          1            09/24/02         00
    0434810834                           01           11/01/02          0
    5712914                              N            10/01/32
    0

    8140973          Q73/G02             F           37,800.00         ZZ
                                         360         37,800.00          1
                                       7.000            251.48         90
                                       6.750            251.48
    INVERNESS        MS   38753          1            10/11/02         01
    0434813010                           05           12/01/02         30
    2945723                              O            11/01/32
    0

    8141225          W40/G02             F          102,400.00         ZZ
                                         360        102,400.00          1
                                       7.250            698.55         80
                                       7.000            698.55
    WARREN           MI   48092          1            10/11/02         00
    0434818977                           05           12/01/02          0
    101009659                            O            11/01/32
    0

    8141263          E22/G02             F           79,200.00         ZZ
                                         360         79,200.00          1
                                       6.875            520.29         90
                                       6.625            520.29
    DAVIE            FL   33324          1            10/23/02         04
    0414633347                           01           12/01/02         25
    0414633347                           N            11/01/32
    0

    8141275          E22/G02             F          252,000.00         ZZ
                                         360        252,000.00          1
                                       6.875          1,655.46         90
                                       6.625          1,655.46
    PROSPECT         CT   06712          1            10/23/02         04
    0414779413                           05           12/01/02         25
    0414779413                           O            11/01/32
    0

    8141279          E22/G02             F          175,000.00         ZZ
                                         360        175,000.00          1
                                       6.125          1,063.32         68
                                       5.875          1,063.32
    FAIR OAKS        CA   95628          2            10/16/02         00
    0414800417                           05           12/01/02          0
    0414800417                           O            11/01/32
    0
1

    8141295          E22/G02             F           90,000.00         ZZ
                                         360         90,000.00          3
                                       6.750            583.74         90
                                       6.500            583.74
    VIOLET           LA   70092          5            10/18/02         04
    0414853606                           05           12/01/02         25
    0414853606                           O            11/01/32
    0

    8141317          E22/G02             F           73,100.00         ZZ
                                         360         73,100.00          1
                                       6.750            474.13         85
                                       6.500            474.13
    GLADWIN          MI   48624          5            10/18/02         04
    0414910000                           05           12/01/02         12
    0414910000                           O            11/01/32
    0

    8141331          E22/G02             F          188,000.00         ZZ
                                         360        188,000.00          1
                                       6.875          1,235.03         80
                                       6.625          1,235.03
    CORBETT          OR   97019          2            10/15/02         00
    0414956789                           27           12/01/02          0
    0414956789                           O            11/01/32
    0

    8141369          E22/G02             F          128,000.00         ZZ
                                         360        128,000.00          1
                                       6.375            798.55         76
                                       6.125            798.55
    RENO             NV   89509          5            10/16/02         00
    0414983700                           05           12/01/02          0
    0414983700                           O            11/01/32
    0

    8141373          E22/G02             F          212,800.00         ZZ
                                         360        212,800.00          1
                                       6.500          1,345.04         80
                                       6.250          1,345.04
    SAN ANTONIO      TX   78232          5            10/16/02         00
    0414990036                           05           12/01/02          0
    0414990036                           O            11/01/32
    0

    8141393          E22/G02             F           79,500.00         ZZ
                                         360         79,500.00          1
1

                                       6.250            489.50         63
                                       6.000            489.50
    SPRINGFIELD      OR   97477          5            10/16/02         00
    0415129949                           05           12/01/02          0
    0415129949                           O            11/01/32
    0

    8141411          E22/G02             F           83,400.00         ZZ
                                         360         83,400.00          2
                                       7.875            604.71         80
                                       7.625            604.71
    FRESNO           CA   93728          1            10/16/02         00
    0415141522                           05           12/01/02          0
    0415141522                           N            11/01/32
    0

    8141415          E22/G02             F          190,065.00         ZZ
                                         360        190,065.00          1
                                       6.375          1,185.76         80
                                       6.125          1,185.76
    MERIDIAN         ID   83642          1            10/18/02         00
    0415143320                           03           12/01/02          0
    0415143320                           O            11/01/32
    0

    8141421          E22/G02             F           83,400.00         ZZ
                                         360         83,400.00          2
                                       7.875            604.71         80
                                       7.625            604.71
    FRESNO           CA   93705          1            10/16/02         00
    0415151877                           05           12/01/02          0
    0415151877                           N            11/01/32
    0

    8141433          E22/G02             F          225,000.00         ZZ
                                         360        225,000.00          1
                                       6.500          1,422.15         55
                                       6.250          1,422.15
    HOUSTON          TX   77063          5            10/18/02         00
    0415190479                           03           12/01/02          0
    0415190479                           O            11/01/32
    0

    8141455          E22/G02             F          238,500.00         ZZ
                                         360        238,500.00          3
                                       7.000          1,586.75         89
                                       6.750          1,586.75
    CHICAGO          IL   60649          2            10/23/02         04
    0415209634                           05           12/01/02         25
1

    0415209634                           N            11/01/32
    0

    8141467          E22/G02             F          300,500.00         ZZ
                                         360        300,500.00          1
                                       6.250          1,850.23         70
                                       6.000          1,850.23
    LANCASTER        OH   43130          5            10/18/02         00
    0415231927                           05           12/01/02          0
    0415231927                           O            11/01/32
    0

    8141469          E22/G02             F           87,750.00         ZZ
                                         360         87,750.00          2
                                       6.625            561.87         75
                                       6.375            561.87
    SPOKANE          WA   99206          5            10/15/02         00
    0415233998                           05           12/01/02          0
    0415233998                           N            11/01/32
    0

    8141483          E22/G02             F          193,600.00         ZZ
                                         360        193,600.00          1
                                       6.375          1,207.81         80
                                       6.125          1,207.81
    CEDAR PARK       TX   78613          1            10/22/02         00
    0415011923                           03           12/01/02          0
    0415011923                           O            11/01/32
    0

    8141503          E22/G02             F          135,000.00         ZZ
                                         360        135,000.00          1
                                       6.500            853.29         71
                                       6.250            853.29
    WAYNESVILLE      NC   28786          5            10/18/02         00
    0415022243                           05           12/01/02          0
    0415022243                           O            11/01/32
    0

    8141507          E22/G02             F          125,000.00         ZZ
                                         360        125,000.00          1
                                       6.625            800.39         66
                                       6.375            800.39
    SANDPOINT        ID   83864          5            10/16/02         00
    0415030980                           05           12/01/02          0
    0415030980                           O            11/01/32
    0

1

    8141511          E22/G02             F          146,250.00         ZZ
                                         360        146,250.00          1
                                       6.750            948.57         75
                                       6.500            948.57
    MODESTO          CA   95358          2            10/15/02         00
    0415036409                           05           12/01/02          0
    0415036409                           N            11/01/32
    0

    8141519          E22/G02             F          105,600.00         ZZ
                                         360        105,600.00          1
                                       6.625            676.17         80
                                       6.375            676.17
    MITCHELL         NE   69357          5            10/18/02         00
    0415042670                           05           12/01/02          0
    0415042670                           O            11/01/32
    0

    8141523          E22/G02             F          154,700.00         ZZ
                                         360        154,700.00          1
                                       6.250            952.51         90
                                       6.000            952.51
    RIO LINDA        CA   95673          1            10/18/02         01
    0415046101                           05           12/01/02         25
    0415046101                           N            11/01/32
    0

    8141571          E22/G02             F          144,000.00         ZZ
                                         360        144,000.00          1
                                       7.000            958.04         80
                                       6.750            958.04
    KIHEI            HI   96753          1            10/14/02         00
    0415110493                           08           12/01/02          0
    0415110493                           N            11/01/32
    0

    8141641          E22/G02             F           88,000.00         ZZ
                                         360         88,000.00          1
                                       7.500            615.31         80
                                       7.250            615.31
    CONYERS          GA   30012          2            10/23/02         00
    0415184787                           07           12/01/02          0
    0415184787                           N            11/01/32
    0

    8141645          E22/G02             F           88,000.00         ZZ
                                         360         88,000.00          1
                                       7.500            615.31         80
                                       7.250            615.31
1

    CONYERS          GA   30012          2            10/23/02         00
    0415184860                           07           12/01/02          0
    0415184860                           N            11/01/32
    0

    8141647          E22/G02             F           88,000.00         ZZ
                                         360         88,000.00          1
                                       7.500            615.31         80
                                       7.250            615.31
    CONYERS          GA   30012          2            10/23/02         00
    0415183102                           07           12/01/02          0
    0415183102                           N            11/01/32
    0

    8141653          E22/G02             F           87,200.00         ZZ
                                         360         87,200.00          1
                                       7.500            609.72         80
                                       7.250            609.72
    CONYERS          GA   30012          2            10/23/02         00
    0415183912                           07           12/01/02          0
    0415183912                           N            11/01/32
    0

    8141663          E22/G02             F           98,200.00         ZZ
                                         360         98,200.00          4
                                       6.875            645.10         75
                                       6.625            645.10
    LAKEWOOD         OH   44107          1            10/23/02         00
    0414901637                           05           12/01/02          0
    0414901637                           N            11/01/32
    0

    8142129          W39/G02             F          246,400.00         ZZ
                                         360        246,400.00          1
                                       7.250          1,680.89         72
                                       7.000          1,680.89
    MANITOU SPRINGS  CO   80829          2            10/18/02         00
    0434845517                           05           12/01/02          0
    PNI22261                             N            11/01/32
    0

    8142131          N74/G02             F           98,400.00         ZZ
                                         360         98,400.00          1
                                       6.375            613.89         79
                                       6.125            613.89
    GREENSBORO       NC   27406          2            10/16/02         00
    0434849717                           03           12/01/02          0
    0030916010                           O            11/01/32
    0
1

    8142619          M27/G02             F          200,500.00         ZZ
                                         360        200,500.00          1
                                       6.250          1,234.51         76
                                       6.000          1,234.51
    WILMINGTON       NC   28409          2            10/10/02         00
    0434831962                           05           12/01/02          0
    06008245806                          O            11/01/32
    0

    8142621          U05/G02             F          121,600.00         ZZ
                                         360        121,600.00          1
                                       6.625            778.62         80
                                       6.375            778.62
    MIAMI            FL   33196          1            10/18/02         00
    0434812210                           03           12/01/02          0
    3270024                              N            11/01/32
    0

    8142801          420/G02             F          240,000.00         ZZ
                                         360        240,000.00          1
                                       6.375          1,497.29         46
                                       6.125          1,497.29
    HEALDSBURG       CA   95448          5            10/04/02         00
    0434805099                           05           12/01/02          0
    72003666                             O            11/01/32
    0

    8142855          H93/G02             F          300,000.00         ZZ
                                         360        300,000.00          1
                                       6.375          1,871.61         75
                                       6.125          1,871.61
    PLATTE CITY      MO   64079          2            10/10/02         00
    0434815304                           05           12/01/02          0
    2002001705                           O            11/01/32
    0

    8142859          K39/G02             F          155,200.00         ZZ
                                         240        155,200.00          1
                                       6.500          1,157.13         80
                                       6.250          1,157.13
    VINELAND         NJ   08361          5            10/07/02         00
    0434784195                           05           12/01/02          0
    158584167                            O            11/01/22
    0

    8142877          601/G02             F          117,000.00         ZZ
                                         360        117,000.00          2
1

                                       7.500            818.08         90
                                       7.250            818.08
    CLEARWATER       FL   33770          1            10/09/02         14
    0434796827                           05           12/01/02         25
    61966107                             N            11/01/32
    0

    8142897          601/G02             F          153,000.00         ZZ
                                         360        153,000.00          3
                                       7.500          1,069.80         90
                                       7.250          1,069.80
    CLEARWATER       FL   33755          1            10/09/02         14
    0434809323                           05           12/01/02         25
    61966099                             N            11/01/32
    0

    8142935          601/G02             F           66,000.00         ZZ
                                         360         66,000.00          1
                                       6.375            411.76         80
                                       6.125            411.76
    JACKSONVILLE     FL   32257          5            10/03/02         00
    0434799185                           05           12/01/02          0
    61979084                             O            11/01/32
    0

    8143013          601/G02             F           76,000.00         ZZ
                                         360         76,000.00          1
                                       6.500            480.37         80
                                       6.250            480.37
    CHEYENNE         WY   82007          2            09/30/02         00
    0434813275                           05           12/01/02          0
    61858635                             O            11/01/32
    0

    8143057          601/G02             F          190,000.00         ZZ
                                         360        189,836.41          2
                                       6.750          1,232.34         70
                                       6.500          1,232.34
    ROSELLE PARK     NJ   07204          2            09/26/02         00
    0434799292                           05           11/01/02          0
    61873568                             N            10/01/32
    0

    8143093          L33/G02             F          131,920.00         ZZ
                                         360        131,920.00          1
                                       6.250            812.25         80
                                       6.000            812.25
    LAS VEGAS        NV   89123          1            10/03/02         00
    0434815791                           05           12/01/02          0
1

    2702631                              O            11/01/32
    0

    8143227          601/G02             F           52,000.00         ZZ
                                         360         51,961.40          1
                                       7.500            363.60         60
                                       7.250            363.60
    LUTZ             FL   33558          1            09/30/02         00
    0434799417                           05           11/01/02          0
    61877502                             N            10/01/32
    0

    8143263          601/G02             F          100,000.00         ZZ
                                         360         99,921.99          1
                                       7.250            682.18         59
                                       7.000            682.18
    SILVERTHORNE     CO   80498          5            09/26/02         00
    0434821070                           09           11/01/02          0
    61937819                             N            10/01/32
    0

    8143271          601/G02             F           64,750.00         ZZ
                                         360         64,695.59          1
                                       6.875            425.37         69
                                       6.625            425.37
    SIOUX FALLS      SD   57103          2            09/25/02         00
    0434816716                           05           11/01/02          0
    61935912                             O            10/01/32
    0

    8143291          601/G02             F          151,800.00         ZZ
                                         360        151,659.40          1
                                       6.375            947.04         78
                                       6.125            947.04
    DAWSONVILLE      GA   30534          2            09/27/02         00
    0434817375                           05           11/01/02          0
    61960506                             O            10/01/32
    0

    8143299          950/G02             F           72,000.00         ZZ
                                         360         71,943.83          1
                                       7.250            491.17         80
                                       7.000            491.17
    YAKIMA           WA   98901          1            09/25/02         00
    0434826962                           05           11/01/02          0
    E5209004                             N            10/01/32
    0

1

    8143301          967/G02             F          130,400.00         ZZ
                                         360        130,400.00          2
                                       6.750            845.77         80
                                       6.500            845.77
    EUGENE           OR   97405          2            10/10/02         00
    0434827325                           05           12/01/02          0
    5708854                              N            11/01/32
    0

    8143311          601/G02             F          130,500.00         ZZ
                                         360        130,382.03          4
                                       6.500            824.85         90
                                       6.250            824.85
    FENTON           MO   63026          1            09/30/02         04
    0434799573                           05           11/01/02         25
    61958690                             N            10/01/32
    0

    8143323          601/G02             F          285,000.00         ZZ
                                         360        284,783.10          3
                                       7.375          1,968.43         95
                                       7.125          1,968.43
    PORTLAND         ME   04102          1            10/07/02         04
    0434822102                           05           11/01/02         30
    61960654                             O            10/01/32
    0

    8143331          737/G02             F          204,000.00         ZZ
                                         360        203,815.58          2
                                       6.500          1,289.42         80
                                       6.250          1,289.42
    TRACY            CA   95376          1            09/12/02         00
    0434834032                           05           11/01/02          0
    2083150                              N            10/01/32
    0

    8143339          601/G02             F          111,125.00         ZZ
                                         360        111,031.60          1
                                       6.875            730.02         95
                                       6.625            730.02
    OKLAHOMA CITY    OK   73165          1            09/26/02         10
    0434821351                           05           11/01/02         30
    61935144                             O            10/01/32
    0

    8143371          M27/G02             F          119,700.00         ZZ
                                         360        119,700.00          1
                                       7.125            806.44         90
                                       6.875            806.44
1

    MANCHESTER       TN   37355          2            10/15/02         01
    0434828935                           05           12/01/02         25
    600824239                            O            11/01/32
    0

    8143373          601/G02             F          107,900.00         ZZ
                                         360        107,804.80          1
                                       6.625            690.90         83
                                       6.375            690.90
    BALTIMORE        MD   21234          5            09/13/02         14
    0434809026                           05           11/01/02         12
    61885414                             O            10/01/32
    0

    8143375          601/G02             F          180,000.00         ZZ
                                         360        179,848.78          1
                                       6.875          1,182.48         79
                                       6.625          1,182.48
    CHIPITA PARK     CO   80829          5            09/06/02         00
    0434801387                           05           11/01/02          0
    61860730                             O            10/01/32
    0

    8143377          601/G02             F          126,000.00         ZZ
                                         360        125,886.09          3
                                       6.500            796.41         90
                                       6.250            796.41
    FENTON           MO   63026          1            09/30/02         04
    0434799599                           05           11/01/02         25
    61958740                             N            10/01/32
    0

    8143413          601/G02             F           47,120.00         ZZ
                                         360         47,085.03          1
                                       7.500            329.47         80
                                       7.250            329.47
    BONITA SPRINGS   FL   34135          1            10/02/02         00
    0434813465                           01           11/01/02          0
    61979175                             N            10/01/32
    0

    8143419          601/G02             F          180,000.00         ZZ
                                         360        179,837.28          1
                                       6.500          1,137.73         75
                                       6.250          1,137.73
    ST CHARLES       IL   60175          1            09/30/02         00
    0434807541                           05           11/01/02          0
    61894606                             O            10/01/32
    0
1

    8143613          W93/G02             F           94,425.00         ZZ
                                         360         94,339.64          1
                                       6.500            596.83         75
                                       6.250            596.83
    IRVINE           CA   92620          1            09/24/02         00
    0434822425                           01           11/01/02          0
    03402981                             N            10/01/32
    0

    8143705          W93/G02             F          164,600.00         ZZ
                                         360        164,600.00          1
                                       6.875          1,081.31         75
                                       6.625          1,081.31
    CLOVIS           CA   93611          1            10/07/02         00
    0434826350                           05           12/01/02          0
    45376851                             O            11/01/32
    0

    8143709          W93/G02             F          170,300.00         ZZ
                                         360        170,153.37          1
                                       6.750          1,104.57         80
                                       6.500          1,104.57
    MERCED           CA   95340          1            09/25/02         00
    0434816799                           05           11/01/02          0
    47402722                             O            10/01/32
    0

    8143713          W93/G02             F           47,450.00         ZZ
                                         360         47,450.00          1
                                       6.750            307.76         65
                                       6.500            307.76
    PHOENIX          AZ   85020          5            10/08/02         00
    0434822292                           01           12/01/02          0
    55358342                             N            11/01/32
    0

    8143741          W93/G02             F          157,500.00         ZZ
                                         360        157,377.13          1
                                       7.250          1,074.43         90
                                       7.000          1,074.43
    SALEM            OR   97305          1            09/26/02         10
    0434821088                           05           11/01/02         25
    76314075                             O            10/01/32
    0

    8143753          W93/G02             F          109,200.00         ZZ
                                         360        109,101.28          1
1

                                       6.500            690.22         80
                                       6.250            690.22
    PORTLAND         OR   97218          5            08/23/02         00
    0434820825                           05           11/01/02          0
    82372909                             O            10/01/32
    0

    8143755          W93/G02             F          183,000.00         ZZ
                                         360        183,000.00          1
                                       8.000          1,342.79         48
                                       7.750          1,342.79
    CARLSBAD         CA   92009          1            10/02/02         00
    0434817201                           01           12/01/02          0
    86412221                             N            11/01/32
    0

    8143855          E82/G02             F           74,000.00         ZZ
                                         360         74,000.00          1
                                       6.500            467.73         71
                                       6.250            467.73
    HESPERIA         CA   92345          2            10/18/02         00
    0400700449                           05           12/01/02          0
    3948985                              N            11/01/32
    0

    8143885          E82/G02             F           97,000.00         ZZ
                                         360         97,000.00          1
                                       6.375            605.15         80
                                       6.125            605.15
    ALBUQUERQUE      NM   87107          2            10/22/02         00
    0400715447                           05           12/01/02          0
    1855981                              N            11/01/32
    0

    8143939          E82/G02             F          124,000.00         ZZ
                                         360        124,000.00          1
                                       6.500            783.76         68
                                       6.250            783.76
    NAPLES           FL   34103          2            10/21/02         00
    0400706941                           05           12/01/02          0
    5100753                              O            11/01/32
    0

    8143955          E82/G02             F          134,800.00         ZZ
                                         360        134,800.00          1
                                       6.750            874.31         78
                                       6.500            874.31
    LONG BEACH       CA   90810          2            10/22/02         00
    0400715322                           05           12/01/02          0
1

    3751557                              N            11/01/32
    0

    8143961          E82/G02             F          172,500.00         ZZ
                                         360        172,500.00          1
                                       6.500          1,090.32         75
                                       6.250          1,090.32
    HOFFMAN ESTATES  IL   60195          2            10/18/02         00
    0400714945                           05           12/01/02          0
    0400714945                           O            11/01/32
    0

    8144069          601/G02             F          126,450.00         ZZ
                                         360        126,348.88          1
                                       7.125            851.92         90
                                       6.875            851.92
    SARASOTA         FL   34243          1            09/30/02         10
    0434807038                           03           11/01/02         25
    61864492                             N            10/01/32
    0

    8144131          601/G02             F          106,000.00         ZZ
                                         360        105,919.34          1
                                       7.375            732.12         80
                                       7.125            732.12
    STEAMBOAT SPRIN  CO   80477          1            09/06/02         00
    0434797460                           01           11/01/02          0
    61846747                             N            10/01/32
    0

    8144157          E82/G02             F           76,800.00         ZZ
                                         360         76,800.00          1
                                       6.500            485.43         63
                                       6.250            485.43
    FRESNO           CA   93702          2            10/23/02         00
    0400708657                           05           12/01/02          0
    3786457                              N            11/01/32
    0

    8144169          E82/G02             F           79,400.00         ZZ
                                         360         79,400.00          1
                                       6.375            495.35         76
                                       6.125            495.35
    PEMBROKE PINES   FL   33029          2            10/23/02         00
    0400722344                           05           12/01/02          0
    0400722344                           O            11/01/32
    0

1

    8144203          E82/G02             F          154,200.00         ZZ
                                         360        154,200.00          1
                                       6.625            987.36         72
                                       6.375            987.36
    ATLANTA          GA   30316          2            10/23/02         00
    0400710638                           05           12/01/02          0
    1985107                              O            11/01/32
    0

    8144217          E82/G02             F          183,000.00         ZZ
                                         360        183,000.00          1
                                       6.625          1,171.77         84
                                       6.375          1,171.77
    EDGEWOOD         NM   87015          2            10/22/02         10
    0400710232                           05           12/01/02         12
    0400710232                           O            11/01/32
    0

    8144223          E82/G02             F          164,900.00         ZZ
                                         360        164,900.00          1
                                       6.375          1,028.76         79
                                       6.125          1,028.76
    CORVALLIS        OR   97330          2            10/23/02         00
    0400706602                           05           12/01/02          0
    1989957                              O            11/01/32
    0

    8144233          601/G02             F          176,400.00         ZZ
                                         360        176,244.36          4
                                       6.625          1,129.51         90
                                       6.375          1,129.51
    METAIRIE         LA   70006          1            09/13/02         14
    0434805891                           05           11/01/02         25
    61880464                             N            10/01/32
    0

    8144237          E82/G02             F          104,600.00         ZZ
                                         360        104,600.00          1
                                       6.500            661.14         54
                                       6.250            661.14
    SHORELINE        WA   98133          2            10/21/02         00
    0400717062                           05           12/01/02          0
    6640574                              O            11/01/32
    0

    8144251          E82/G02             F          103,200.00         ZZ
                                         360        103,200.00          1
                                       6.875            677.95         80
                                       6.625            677.95
1

    HENDERSON        NV   89014          2            10/24/02         00
    0400702494                           05           12/01/02          0
    7495121                              N            11/01/32
    0

    8144277          E82/G02             F          138,300.00         ZZ
                                         360        138,300.00          1
                                       6.625            885.55         78
                                       6.375            885.55
    CORAL SPRINGS    FL   33071          2            10/21/02         00
    0400687992                           05           12/01/02          0
    1595265                              O            11/01/32
    0

    8144299          601/G02             F           82,800.00         ZZ
                                         360         82,738.55          2
                                       7.500            578.95         90
                                       7.250            578.95
    TAMPA            FL   33612          1            09/27/02         14
    0434812988                           05           11/01/02         25
    61855755                             N            10/01/32
    0

    8144303          E82/G02             F           93,700.00         ZZ
                                         360         93,700.00          1
                                       6.625            599.97         58
                                       6.375            599.97
    WHITE LAKE       MI   48386          2            10/23/02         00
    0400711024                           05           12/01/02          0
    2796432                              N            11/01/32
    0

    8144367          601/G02             F          100,000.00         ZZ
                                         360         99,925.79          1
                                       7.500            699.21         38
                                       7.250            699.21
    SAN DIEGO        CA   92101          1            09/26/02         00
    0434805503                           08           11/01/02          0
    61881504                             N            10/01/32
    0

    8144375          601/G02             F          223,200.00         ZZ
                                         360        223,034.35          3
                                       7.500          1,560.65         90
                                       7.250          1,560.65
    FT LAUDERDALE    FL   33304          1            09/13/02         14
    0434809604                           05           11/01/02         25
    61846671                             N            10/01/32
    0
1

    8144379          601/G02             F          108,900.00         ZZ
                                         360        108,812.90          1
                                       7.250            742.89         90
                                       7.000            742.89
    SARASOTA         FL   34243          1            09/30/02         10
    0434805743                           05           11/01/02         25
    61864716                             N            10/01/32
    0

    8144433          601/G02             F          160,380.00         ZZ
                                         360        160,103.00          4
                                       6.750          1,040.23         90
                                       6.500          1,040.23
    BLUE SPRINGS     MO   64015          1            09/04/02         04
    0434818225                           05           10/01/02         25
    61810057                             N            09/01/32
    0

    8144445          601/G02             F          252,000.00         ZZ
                                         360        251,788.30          2
                                       6.875          1,655.47         82
                                       6.625          1,655.47
    DENVER           CO   80216          2            09/27/02         11
    0434804720                           05           11/01/02         25
    61718045                             N            10/01/32
    0

    8144467          601/G02             F          160,380.00         ZZ
                                         360        160,103.00          4
                                       6.750          1,040.23         83
                                       6.500          1,040.23
    BLUE SPRINGS     MO   64015          1            09/04/02         14
    0434797239                           05           10/01/02         25
    61810123                             N            09/01/32
    0

    8144539          601/G02             F           56,000.00         ZZ
                                         360         55,958.43          1
                                       7.500            391.56         80
                                       7.250            391.56
    EL PASO          TX   79936          1            09/24/02         00
    0434803789                           05           11/01/02          0
    61930228                             N            10/01/32
    0

    8144551          601/G02             F           32,800.00         ZZ
                                         360         32,775.66          1
1

                                       7.500            229.34         72
                                       7.250            229.34
    LYNCHBURG        VA   24502          2            09/12/02         00
    0434818787                           05           11/01/02          0
    61773248                             N            10/01/32
    0

    8144611          P09/G02             F          178,500.00         ZZ
                                         240        178,500.00          1
                                       6.125          1,291.73         75
                                       5.875          1,291.73
    LANHAM           MD   20706          2            10/21/02         00
    0434828802                           05           12/01/02          0
    R0209379                             O            11/01/22
    0

    8144675          K15/G02             F          103,000.00         ZZ
                                         360        102,906.89          1
                                       6.500            651.03         80
                                       6.250            651.03
    MADISON          OH   44057          5            09/16/02         00
    0434822177                           05           11/01/02          0
    101                                  O            10/01/32
    0

    8144683          883/G02             F           75,000.00         ZZ
                                         360         75,000.00          1
                                       6.750            486.45         53
                                       6.500            486.45
    FORT PIERCE      FL   34982          1            10/16/02         00
    0434816781                           05           12/01/02          0
    48000465                             O            11/01/32
    0

    8144717          601/G02             F          138,400.00         ZZ
                                         360        138,283.70          1
                                       6.875            909.19         80
                                       6.625            909.19
    DENVER           CO   80216          2            09/06/02         00
    0434804522                           05           11/01/02          0
    61716833                             N            10/01/32
    0

    8144747          E22/G02             F          133,000.00         ZZ
                                         360        133,000.00          1
                                       7.250            907.29         95
                                       7.000            907.29
    MIAMI            FL   33177          1            10/24/02         04
    0414900118                           03           12/01/02         30
1

    0414900118                           O            11/01/32
    0

    8144891          E22/G02             F          160,000.00         ZZ
                                         360        160,000.00          1
                                       6.875          1,051.09         80
                                       6.625          1,051.09
    BAY CITY         MI   48706          2            10/24/02         00
    0415087832                           05           12/01/02          0
    0415087832                           N            11/01/32
    0

    8144895          E22/G02             F          150,000.00         ZZ
                                         360        150,000.00          1
                                       6.500            948.10         77
                                       6.250            948.10
    WATERVILLE       OH   43566          1            10/24/02         00
    0415101849                           05           12/01/02          0
    0415101849                           O            11/01/32
    0

    8144921          E22/G02             F          217,500.00         ZZ
                                         360        217,500.00          1
                                       6.375          1,356.92         75
                                       6.125          1,356.92
    OAKLAND          CA   94609          1            10/11/02         00
    0415114834                           05           12/01/02          0
    0415114834                           N            11/01/32
    0

    8144945          E22/G02             F          178,500.00         ZZ
                                         360        178,500.00          1
                                       6.750          1,157.75         85
                                       6.500          1,157.75
    ST PETERSBURG    FL   33703          1            10/25/02         04
    0415145853                           01           12/01/02         12
    0415145853                           O            11/01/32
    0

    8144957          E22/G02             F          175,000.00         ZZ
                                         360        175,000.00          1
                                       7.000          1,164.28         78
                                       6.750          1,164.28
    INDIANAPOLIS     IN   46239          5            10/24/02         00
    0415159672                           05           12/01/02          0
    0415159672                           N            11/01/32
    0

1

    8144979          E22/G02             F          180,000.00         ZZ
                                         360        180,000.00          1
                                       6.250          1,108.29         80
                                       6.000          1,108.29
    ROSEVILLE        CA   95661          5            10/16/02         00
    0415163740                           05           12/01/02          0
    0415163740                           O            11/01/32
    0

    8144991          E22/G02             F          135,000.00         ZZ
                                         360        135,000.00          1
                                       6.875            886.85         75
                                       6.625            886.85
    PUEBLO  WEST     CO   81007          2            10/24/02         00
    0415181775                           05           12/01/02          0
    0415181775                           N            11/01/32
    0

    8145065          E22/G02             F          198,000.00         ZZ
                                         360        198,000.00          1
                                       6.375          1,235.26         90
                                       6.125          1,235.26
    MANCHESTER       NH   03109          1            10/24/02         01
    0415260538                           05           12/01/02         25
    0415260538                           O            11/01/32
    0

    8145101          601/G02             F          143,400.00         ZZ
                                         360        143,279.50          2
                                       6.875            942.04         56
                                       6.625            942.04
    LONGMONT         CO   80501          2            09/05/02         00
    0434818605                           05           11/01/02          0
    61781001                             N            10/01/32
    0

    8145263          E22/G02             F          151,200.00         ZZ
                                         360        151,200.00          1
                                       6.500            955.69         80
                                       6.250            955.69
    LOWER TOWNSHIP   NJ   08204          1            10/01/02         00
    0414913939                           05           12/01/02          0
    0414913939                           O            11/01/32
    0

    8146053          L16/G02             F           86,000.00         ZZ
                                         360         86,000.00          1
                                       6.750            557.79         72
                                       6.500            557.79
1

    MERIDIAN         ID   83542          2            10/18/02         00
    0434837852                           03           12/01/02          0
    7274                                 N            11/01/32
    0

    8146061          N47/G02             F          167,500.00         ZZ
                                         360        167,500.00          1
                                       6.625          1,072.52         78
                                       6.375          1,072.52
    SAN DIEGO        CA   92128          2            10/08/02         00
    0434850681                           01           12/01/02          0
    30122212                             O            11/01/32
    0

    8146081          B57/G02             F           72,900.00         ZZ
                                         360         72,900.00          1
                                       7.375            503.50         90
                                       7.125            503.50
    PHOENIX          AZ   85035          1            10/18/02         01
    0434812087                           05           12/01/02         25
    20000919                             N            11/01/32
    0

    8146083          L16/G02             F           86,000.00         ZZ
                                         360         86,000.00          1
                                       6.750            557.79         72
                                       6.500            557.79
    MERIDIAN         ID   83542          2            10/18/02         00
    0434837761                           03           12/01/02          0
    7272                                 N            11/01/32
    0

    8146341          N74/G02             F           65,500.00         ZZ
                                         360         65,442.21          1
                                       6.625            419.40         80
                                       6.375            419.40
    EL DORADO        AR   71730          2            10/21/02         00
    0434843702                           05           11/25/02          0
    0030949010                           O            10/25/32
    0

    8146349          F89/G02             F          183,600.00         ZZ
                                         360        183,600.00          1
                                       6.375          1,145.43         80
                                       6.125          1,145.43
    SANTA CLARITA    CA   91350          1            10/17/02         00
    0434822193                           01           12/01/02          0
    24203                                O            11/01/32
    0
1

    8146375          T29/G02             F          280,000.00         ZZ
                                         360        280,000.00          1
                                       6.375          1,746.84         42
                                       6.125          1,746.84
    SCOTTSDALE       AZ   85260          5            10/10/02         00
    0434799144                           05           12/01/02          0
    1524184                              O            11/01/32
    0

    8146383          B28/G02             F          196,000.00         ZZ
                                         360        196,000.00          1
                                       6.625          1,255.01         77
                                       6.375          1,255.01
    DENVER           CO   80231          5            10/18/02         00
    0434802112                           05           12/01/02          0
    01200665                             O            11/01/32
    0

    8146893          742/G02             F           78,300.00         ZZ
                                         360         78,300.00          3
                                       6.500            494.91         90
                                       6.250            494.91
    WELLS BRIDGE     NY   13859          1            10/23/02         11
    0434824769                           05           12/01/02         25
    5736061                              N            11/01/32
    0

    8146935          E82/G02             F          129,600.00         ZZ
                                         360        129,600.00          1
                                       6.625            829.84         78
                                       6.375            829.84
    AKRON            OH   44319          2            10/24/02         00
    0400722575                           05           12/01/02          0
    1762811                              O            11/01/32
    0

    8146971          E82/G02             F          144,400.00         ZZ
                                         360        144,400.00          1
                                       6.500            912.71         79
                                       6.250            912.71
    NEW PORT RICHEY  FL   34654          2            10/23/02         00
    0400671822                           05           12/01/02          0
    4561760                              O            11/01/32
    0

    8147103          E47/G02             F          112,000.00         ZZ
                                         360        112,000.00          1
1

                                       6.625            717.15         60
                                       6.375            717.15
    BIG PINE KEY     FL   33043          2            10/08/02         00
    0434828885                           05           12/01/02          0
    7361012823                           O            11/01/32
    0

    8147351          E22/G02             F           62,000.00         ZZ
                                         360         62,000.00          1
                                       7.000            412.49         80
                                       6.750            412.49
    CALDWELL         ID   83605          2            10/11/02         00
    0414940916                           05           12/01/02          0
    0414940916                           N            11/01/32
    0

    8147355          E22/G02             F          192,000.00         ZZ
                                         360        192,000.00          1
                                       6.500          1,213.57         80
                                       6.250          1,213.57
    NEAR JOHNSON     TX   78636          5            10/21/02         00
    0414945113                           05           12/01/02          0
    0414945113                           O            11/01/32
    0

    8147365          E22/G02             F          150,000.00         ZZ
                                         360        150,000.00          1
                                       7.000            997.95         90
                                       6.750            997.95
    UNION            NJ   07083          1            10/25/02         01
    0414962662                           01           12/01/02         25
    0414962662                           O            11/01/32
    0

    8147407          E22/G02             F          282,000.00         ZZ
                                         360        282,000.00          1
                                       6.375          1,759.31         78
                                       6.125          1,759.31
    COLORADO SPRING  CO   80906          2            10/21/02         00
    0415037183                           05           12/01/02          0
    0415037183                           O            11/01/32
    0

    8147451          E22/G02             F           76,000.00         ZZ
                                         360         76,000.00          1
                                       6.500            480.37         80
                                       6.250            480.37
    AUBURN           CA   95602          1            10/10/02         00
    0415043702                           01           12/01/02          0
1

    0415043702                           N            11/01/32
    0

    8147471          E22/G02             F          111,400.00         ZZ
                                         360        111,400.00          1
                                       7.500            778.92         80
                                       7.250            778.92
    SALT LAKE CITY   UT   84117          5            10/16/02         00
    0415062355                           05           12/01/02          0
    0415062355                           N            11/01/32
    0

    8147475          E22/G02             F          175,000.00         ZZ
                                         360        175,000.00          1
                                       6.125          1,063.32         66
                                       5.875          1,063.32
    JUPITER          FL   33477          5            10/21/02         00
    0415065358                           03           12/01/02          0
    0415065358                           O            11/01/32
    0

    8147487          E22/G02             F          140,000.00         ZZ
                                         360        140,000.00          1
                                       6.500            884.90         80
                                       6.250            884.90
    OREM             UT   84057          5            10/18/02         00
    0415224377                           05           12/01/02          0
    0415224377                           O            11/01/32
    0

    8147489          E22/G02             F          180,225.00         ZZ
                                         360        180,225.00          1
                                       6.750          1,168.94         90
                                       6.500          1,168.94
    PALM BEACH GARD  FL   33418          1            10/25/02         11
    0415226562                           09           12/01/02         25
    0415226562                           O            11/01/32
    0

    8147501          E22/G02             F           55,250.00         ZZ
                                         360         55,250.00          1
                                       6.750            358.35         85
                                       6.500            358.35
    HIGH POINT       NC   27260          2            10/25/02         01
    0415235712                           05           12/01/02         20
    0415235712                           N            11/01/32
    0

1

    8147523          U05/G02             F          174,000.00         ZZ
                                         360        174,000.00          2
                                       7.250          1,186.99         41
                                       7.000          1,186.99
    LIVERMORE        CA   94550          5            10/11/02         00
    0434839007                           05           12/01/02          0
    3270481                              N            11/01/32
    0

    8147553          M12/G02             F          121,500.00         ZZ
                                         360        121,500.00          1
                                       6.375            758.00         90
                                       6.125            758.00
    TUCSON           AZ   85748          5            10/23/02         10
    0434825188                           03           12/01/02         25
    R0861                                O            11/01/32
    0

    8147599          E22/G02             F          113,400.00         ZZ
                                         360        113,400.00          2
                                       7.125            764.00         90
                                       6.875            764.00
    VERADALE         WA   99037          2            10/21/02         04
    0415067974                           05           12/01/02         25
    0415067974                           N            11/01/32
    0

    8147617          E22/G02             F           70,400.00         ZZ
                                         360         70,400.00          2
                                       6.750            456.61         80
                                       6.500            456.61
    OKLAHOMA CITY    OK   73129          1            10/25/02         00
    0415086461                           05           12/01/02          0
    0415086461                           N            11/01/32
    0

    8147673          967/G02             F           76,000.00         T
                                         360         76,000.00          1
                                       6.875            499.27         80
                                       6.625            499.27
    RIO RICO         AZ   85648          1            10/16/02         00
    0434825311                           05           12/01/02          0
    5750120                              O            11/01/32
    0

    8147679          E22/G02             F          207,200.00         E
                                         360        207,200.00          1
                                       6.750          1,343.90         80
                                       6.500          1,343.90
1

    MIAMI SHORES     FL   33138          1            10/25/02         00
    0415133974                           05           12/01/02          0
    0415133974                           N            11/01/32
    0

    8147683          E22/G02             F           87,300.00         ZZ
                                         360         87,300.00          2
                                       6.500            551.80         90
                                       6.250            551.80
    CHATTANOOGA      TN   37412          1            10/25/02         10
    0415135698                           05           12/01/02         25
    0415135698                           N            11/01/32
    0

    8147685          E22/G02             F           83,400.00         ZZ
                                         360         83,400.00          2
                                       7.875            604.71         80
                                       7.625            604.71
    FRESNO           CA   93728          1            10/16/02         00
    0415141019                           05           12/01/02          0
    0415141019                           N            11/01/32
    0

    8147691          E22/G02             F          116,550.00         ZZ
                                         360        116,550.00          4
                                       6.750            755.94         90
                                       6.500            755.94
    FRESNO           CA   93702          1            10/16/02         01
    0415142629                           05           12/01/02         30
    0415142629                           N            11/01/32
    0

    8147759          E22/G02             F           87,500.00         ZZ
                                         360         87,500.00          1
                                       6.750            567.52         79
                                       6.500            567.52
    OMAHA            NE   68107          2            10/25/02         00
    0415190446                           05           12/01/02          0
    0415190446                           N            11/01/32
    0

    8147771          601/G02             F           36,000.00         ZZ
                                         360         36,000.00          1
                                       7.500            251.72         80
                                       7.250            251.72
    BIRMINGHAM       AL   35206          2            10/10/02         00
    0434796512                           05           12/01/02          0
    62002134                             N            11/01/32
    0
1

    8147877          601/G02             F          121,000.00         ZZ
                                         360        121,000.00          1
                                       7.250            825.43         80
                                       7.000            825.43
    NAPLES           FL   34116          2            10/08/02         00
    0434798534                           05           12/01/02          0
    84365142                             O            11/01/32
    0

    8147885          L76/G02             F          112,500.00         ZZ
                                         360        112,500.00          1
                                       6.500            711.08         90
                                       6.250            711.08
    FARIBAULT        MN   55021          5            10/11/02         11
    0434830451                           05           12/01/02         30
    9507234                              O            11/01/32
    0

    8147933          601/G02             F           70,800.00         ZZ
                                         360         70,740.52          1
                                       6.875            465.11         57
                                       6.625            465.11
    NASHVILLE        TN   37211          2            09/25/02         00
    0434798609                           05           11/01/02          0
    8422282                              O            10/01/32
    0

    8147953          601/G02             F          118,000.00         ZZ
                                         360        117,907.95          1
                                       7.250            804.97         75
                                       7.000            804.97
    ROCKFORD         IL   61108          1            09/27/02         00
    0434798740                           05           11/01/02          0
    84235908                             O            10/01/32
    0

    8147969          601/G02             F          129,300.00         ZZ
                                         360        129,185.92          1
                                       6.625            827.92         65
                                       6.375            827.92
    CLARKSVILLE      VA   23927          2            09/25/02         00
    0434793535                           05           11/01/02          0
    61838611                             O            10/01/32
    0

    8148057          601/G02             F          144,000.00         ZZ
                                         360        143,882.00          4
1

                                       7.000            958.04         90
                                       6.750            958.04
    CHEYENNE         WY   82001          1            09/23/02         14
    0434803482                           05           11/01/02         25
    6196085                              N            10/01/32
    0

    8148059          601/G02             F           57,000.00         ZZ
                                         360         56,957.69          1
                                       7.500            398.56         75
                                       7.250            398.56
    STATESVILLE      NC   28625          5            09/11/02         00
    0434809125                           05           11/01/02          0
    84046472                             N            10/01/32
    0

    8148061          L76/G02             F          122,500.00         ZZ
                                         360        122,500.00          1
                                       6.125            744.32         99
                                       5.875            744.32
    FARIBAULT        MN   55021          1            10/10/02         11
    0434839957                           05           12/01/02         35
    9507205                              O            11/01/32
    0

    8148171          601/G02             F          170,000.00         ZZ
                                         360        169,838.70          1
                                       6.250          1,046.72         76
                                       6.000          1,046.72
    CASTLE ROCK      CO   80109          2            10/03/02         00
    0434797130                           05           11/01/02          0
    61935680                             O            10/01/32
    0

    8148341          W93/G02             F          155,400.00         ZZ
                                         360        155,400.00          1
                                       6.375            969.50         80
                                       6.125            969.50
    PHOENIX          AZ   85085          1            10/11/02         00
    0434814737                           03           12/01/02          0
    35415216                             O            11/01/32
    0

    8148493          N47/G02             F          172,000.00         T
                                         360        172,000.00          1
                                       6.000          1,031.23         80
                                       5.750          1,031.23
    NEWCASTLE        CA   95658          1            10/16/02         00
    0434844486                           05           12/01/02          0
1

    20620329                             O            11/01/32
    0

    8148547          Q14/G02             F           52,000.00         ZZ
                                         360         52,000.00          1
                                       7.000            345.96         84
                                       6.750            345.96
    DES MOINES       IA   50314          5            10/17/02         01
    0434811808                           05           12/01/02         12
    0209340                              O            11/01/32
    0

    8148711          B39/G02             F          340,000.00         ZZ
                                         360        340,000.00          2
                                       6.750          2,205.23         80
                                       6.500          2,205.23
    ST. PAUL         MN   55104          5            10/22/02         00
    0434819942                           05           12/01/02          0
    20022430F                            O            11/01/32
    0

    8148733          U35/G02             F          151,650.00         ZZ
                                         360        151,650.00          4
                                       7.750          1,086.44         90
                                       7.500          1,086.44
    CLOVIS           CA   93612          1            10/24/02         01
    0434835740                           05           12/01/02         25
    7334457                              N            11/01/32
    0

    8148789          M37/G02             F           80,000.00         ZZ
                                         360         80,000.00          1
                                       6.625            512.25        100
                                       6.375            512.25
    SUN CITY         AZ   85351          2            10/11/02         04
    0434855672                           05           12/01/02         35
    609562                               O            11/01/32
    0

    8148819          X67/G02             F          300,700.00         ZZ
                                         360        300,700.00          1
                                       6.375          1,875.98         94
                                       6.125          1,875.98
    HELENA           MT   59602          2            10/16/02         10
    0434827671                           05           12/01/02         30
    00269160                             O            11/01/32
    0

1

    8148851          E47/G02             F          140,000.00         ZZ
                                         360        140,000.00          2
                                       7.500            978.90         80
                                       7.250            978.90
    SACRAMENTO       CA   95823          1            10/04/02         00
    0434864278                           05           12/01/02          0
    7333012616                           N            11/01/32
    0

    8148859          P59/G02             F          107,350.00         ZZ
                                         360        107,350.00          1
                                       6.625            687.37         95
                                       6.375            687.37
    ATASCADERO       CA   93422          5            10/09/02         01
    0434824942                           05           12/01/02         30
    AT004350                             O            11/01/32
    0

    8149001          R26/G02             F          300,700.00         ZZ
                                         360        300,700.00          1
                                       6.500          1,900.63         63
                                       6.250          1,900.63
    WESTON           CT   06883          2            10/18/02         00
    0434871372                           05           12/01/02          0
    0003823                              O            11/01/32
    0

    8149021          964/G02             F          252,000.00         ZZ
                                         360        252,000.00          4
                                       6.500          1,592.81         90
                                       6.250          1,592.81
    PRESCOTT VALLEY  AZ   86314          1            10/04/02         21
    0434816492                           05           12/01/02         25
    234521                               N            11/01/32
    0

    8149031          964/G02             F          120,700.00         ZZ
                                         360        120,700.00          2
                                       6.500            762.91         61
                                       6.250            762.91
    RENO             NV   89502          2            10/04/02         00
    0434814273                           05           12/01/02          0
    254391                               O            11/01/32
    0

    8149045          964/G02             F          170,400.00         ZZ
                                         360        170,400.00          1
                                       6.875          1,119.41         80
                                       6.625          1,119.41
1

    PHOENIX          AZ   85086          2            10/08/02         00
    0434810321                           03           12/01/02          0
    269337                               N            11/01/32
    0

    8149053          964/G02             F          193,000.00         ZZ
                                         360        193,000.00          1
                                       6.750          1,251.79         70
                                       6.500          1,251.79
    ANAHEIM          CA   92804          2            10/04/02         00
    0434817219                           05           12/01/02          0
    270972                               O            11/01/32
    0

    8149061          964/G02             F          200,000.00         ZZ
                                         360        200,000.00          1
                                       6.125          1,215.22         58
                                       5.875          1,215.22
    STOCKTON         CA   95204          1            10/07/02         00
    0434818746                           05           12/01/02          0
    270106                               O            11/01/32
    0

    8149067          964/G02             F          173,500.00         ZZ
                                         360        173,500.00          1
                                       6.625          1,110.94         71
                                       6.375          1,110.94
    LODI             CA   95242          2            10/04/02         00
    0434821278                           05           12/01/02          0
    272197                               O            11/01/32
    0

    8149095          964/G02             F          108,900.00         ZZ
                                         360        108,900.00          1
                                       6.375            679.39         90
                                       6.125            679.39
    LAS VEGAS        NV   89101          1            10/15/02         10
    0434824553                           05           12/01/02         25
    230025                               O            11/01/32
    0

    8149117          964/G02             F          184,500.00         ZZ
                                         360        184,500.00          1
                                       6.500          1,166.17         90
                                       6.250          1,166.17
    SEATTLE          WA   98168          1            10/11/02         04
    0434820361                           05           12/01/02         25
    257419                               O            11/01/32
    0
1

    8149119          964/G02             F          171,350.00         ZZ
                                         360        171,350.00          1
                                       6.375          1,069.00         75
                                       6.125          1,069.00
    PANORAMA CITY (  CA   91402          1            10/05/02         00
    0434819306                           05           12/01/02          0
    268590                               O            11/01/32
    0

    8149121          964/G02             F          134,750.00         ZZ
                                         360        134,750.00          1
                                       6.375            840.66         71
                                       6.125            840.66
    CARMICHAEL       CA   95608          2            10/02/02         00
    0434824223                           01           12/01/02          0
    257828                               O            11/01/32
    0

    8149131          964/G02             F          159,000.00         ZZ
                                         360        159,000.00          1
                                       6.625          1,018.09         58
                                       6.375          1,018.09
    GILBERT          AZ   85296          2            10/08/02         00
    0434817052                           03           12/01/02          0
    271056                               O            11/01/32
    0

    8149141          964/G02             F          110,500.00         ZZ
                                         360        110,500.00          1
                                       6.750            716.70         80
                                       6.500            716.70
    RENO             NV   89503          2            10/10/02         00
    0434837704                           05           12/01/02          0
    272554                               N            11/01/32
    0

    8149149          964/G02             F          228,600.00         ZZ
                                         360        228,600.00          1
                                       6.375          1,426.17         65
                                       6.125          1,426.17
    SISTERS          OR   97759          2            10/09/02         00
    0434810206                           03           12/01/02          0
    270824                               N            11/01/32
    0

    8149169          964/G02             F          175,950.00         ZZ
                                         360        175,950.00          1
1

                                       6.125          1,069.09         80
                                       5.875          1,069.09
    AUBURN           WA   98092          1            10/15/02         00
    0434823340                           03           12/01/02          0
    274967                               O            11/01/32
    0

    8149173          964/G02             F          208,000.00         ZZ
                                         360        208,000.00          2
                                       6.375          1,297.65         80
                                       6.125          1,297.65
    WEST VALLEY CIT  UT   84121          2            10/16/02         00
    0434813440                           05           12/01/02          0
    275549                               N            11/01/32
    0

    8149183          964/G02             F          138,327.00         ZZ
                                         360        138,327.00          1
                                       6.375            862.98         57
                                       6.125            862.98
    BRIDGE CITY      TX   77611          2            10/10/02         00
    0434813002                           05           12/01/02          0
    262109                               O            11/01/32
    0

    8149237          964/G02             F          156,000.00         ZZ
                                         360        156,000.00          1
                                       6.125            947.87         80
                                       5.875            947.87
    FEDERAL WAY      WA   98023          1            10/08/02         00
    0434812368                           03           12/01/02          0
    222710                               O            11/01/32
    0

    8149583          E82/G02             F          141,300.00         ZZ
                                         360        141,300.00          1
                                       6.500            893.11         65
                                       6.250            893.11
    MCDONOUGH        GA   30253          2            10/25/02         00
    0400700902                           03           12/01/02          0
    3963561                              O            11/01/32
    0

    8149595          E82/G02             F          160,000.00         ZZ
                                         360        160,000.00          1
                                       6.375            998.19         80
                                       6.125            998.19
    MIAMI            FL   33156          2            10/25/02         00
    0400708822                           09           12/01/02          0
1

    5645353                              O            11/01/32
    0

    8149611          E82/G02             F          124,700.00         ZZ
                                         360        124,700.00          1
                                       6.500            788.19         66
                                       6.250            788.19
    BURIEN           WA   98148          2            10/25/02         00
    0400700860                           05           12/01/02          0
    0400700860                           O            11/01/32
    0

    8149641          E82/G02             F          112,000.00         ZZ
                                         360        112,000.00          1
                                       6.375            698.73         66
                                       6.125            698.73
    AUBURN HILLS     MI   48326          2            10/25/02         00
    0400723029                           05           12/01/02          0
    3818559                              O            11/01/32
    0

    8149691          E82/G02             F           74,500.00         ZZ
                                         360         74,500.00          1
                                       6.500            470.89         88
                                       6.250            470.89
    PENSACOLA        FL   32526          2            10/25/02         10
    0400718474                           05           12/01/02         25
    1924871                              O            11/01/32
    0

    8149725          E82/G02             F          127,000.00         ZZ
                                         360        127,000.00          1
                                       6.250            781.96         71
                                       6.000            781.96
    HOLLYWOOD        FL   33021          2            10/25/02         00
    0400716320                           05           12/01/02          0
    2761434                              O            11/01/32
    0

    8149757          E82/G02             F           98,000.00         ZZ
                                         360         98,000.00          1
                                       6.625            627.50         48
                                       6.375            627.50
    VACAVILLE        CA   95687          2            10/25/02         00
    0400685368                           05           12/01/02          0
    1544303                              N            11/01/32
    0

1

    8149763          E82/G02             F           60,300.00         ZZ
                                         360         60,300.00          1
                                       6.625            386.11         47
                                       6.375            386.11
    PORT ARANSAS     TX   78373          2            10/29/02         00
    0400718169                           05           12/01/02          0
    1757630                              N            11/01/32
    0

    8149871          K15/G02             F          121,000.00         ZZ
                                         360        121,000.00          1
                                       7.500            846.05         95
                                       7.250            846.05
    CRESTVIEW        FL   32539          2            10/17/02         41
    0434810776                           05           12/01/02         30
    009305503170                         O            11/01/32
    0

    8149885          E44/G02             F          121,400.00         ZZ
                                         360        121,400.00          1
                                       6.250            747.48         80
                                       6.000            747.48
    WEST JORDAN      UT   84084          1            10/17/02         00
    0434830378                           01           12/01/02          0
    02060033                             O            11/01/32
    0

    8150041          U05/G02             F           90,000.00         ZZ
                                         360         90,000.00          1
                                       6.750            583.74         90
                                       6.500            583.74
    MIAMI            FL   33196          1            10/18/02         14
    0434869608                           01           12/01/02         25
    3270016                              N            11/01/32
    0

    8150217          E22/G02             F          189,000.00         T
                                         360        189,000.00          1
                                       7.500          1,321.52         66
                                       7.250          1,321.52
    KIHEI            HI   96753          2            10/21/02         00
    0414919688                           21           12/01/02          0
    0414919688                           O            11/01/32
    0

    8150263          E22/G02             F           51,900.00         ZZ
                                         360         51,900.00          1
                                       6.875            340.95         80
                                       6.625            340.95
1

    WILMER           AL   36587          5            10/23/02         00
    0415059419                           05           12/01/02          0
    0415059419                           O            11/01/32
    0

    8150353          E22/G02             F          148,000.00         ZZ
                                         360        148,000.00          1
                                       6.250            911.26         58
                                       6.000            911.26
    KENT             WA   98031          2            10/11/02         00
    0415031822                           05           12/01/02          0
    0415031822                           O            11/01/32
    0

    8150381          E22/G02             F          176,500.00         ZZ
                                         360        176,500.00          4
                                       6.750          1,144.78         69
                                       6.500          1,144.78
    LOS ANGELES      CA   90029          2            10/21/02         00
    0415110709                           05           12/01/02          0
    0415110709                           N            11/01/32
    0

    8150393          E22/G02             F           66,400.00         ZZ
                                         360         66,400.00          1
                                       7.000            441.76         80
                                       6.750            441.76
    HURST            TX   76053          5            10/23/02         00
    0415112804                           05           12/01/02          0
    0415112804                           O            11/01/32
    0

    8150461          E22/G02             F          108,150.00         ZZ
                                         360        108,150.00          1
                                       6.750            701.46         66
                                       6.500            701.46
    PLANO            TX   75025          5            10/23/02         00
    0415159185                           05           12/01/02          0
    0415159185                           O            11/01/32
    0

    8150463          E22/G02             F          186,500.00         ZZ
                                         360        186,500.00          1
                                       7.250          1,272.26         85
                                       7.000          1,272.26
    CORAL SPRINGS    FL   33065          2            10/23/02         04
    0415159342                           05           12/01/02         12
    0415159342                           O            11/01/32
    0
1

    8150491          E22/G02             F           68,000.00         ZZ
                                         360         68,000.00          1
                                       6.375            424.23         76
                                       6.125            424.23
    HIALEAH          FL   33012          1            10/28/02         00
    0415165877                           01           12/01/02          0
    0415165877                           O            11/01/32
    0

    8150515          E22/G02             F          290,400.00         ZZ
                                         360        290,400.00          1
                                       6.375          1,811.72         71
                                       6.125          1,811.72
    NOVI             MI   48375          2            10/22/02         00
    0415180363                           05           12/01/02          0
    0415180363                           O            11/01/32
    0

    8150547          E22/G02             F           79,750.00         ZZ
                                         360         79,750.00          1
                                       6.500            504.07         84
                                       6.250            504.07
    NEW HAVEN        CT   06513          2            10/22/02         01
    0415204742                           05           12/01/02         12
    0415204742                           O            11/01/32
    0

    8150583          E22/G02             F          110,800.00         ZZ
                                         360        110,800.00          1
                                       6.625            709.46         80
                                       6.375            709.46
    WICHITA          KS   67235          1            10/25/02         00
    0415229574                           05           12/01/02          0
    0415229574                           O            11/01/32
    0

    8150631          E22/G02             F          307,000.00         ZZ
                                         360        307,000.00          2
                                       7.125          2,068.32         60
                                       6.875          2,068.32
    EAST ELMHURST    NY   11369          5            10/22/02         00
    0415260553                           05           12/01/02          0
    0415260553                           O            11/01/32
    0

    8150635          E22/G02             F           85,840.00         ZZ
                                         360         85,840.00          1
1

                                       6.875            563.91         80
                                       6.625            563.91
    LENEXA           KS   66210          1            10/28/02         00
    0414943316                           07           12/01/02          0
    0414943316                           N            11/01/32
    0

    8150639          E22/G02             F           97,200.00         ZZ
                                         360         97,200.00          1
                                       6.875            638.53         90
                                       6.625            638.53
    SHAWNEE MISSION  KS   66210          1            10/28/02         01
    0414943373                           07           12/01/02         25
    0414943373                           N            11/01/32
    0

    8150661          E22/G02             F          180,500.00         ZZ
                                         360        180,500.00          1
                                       7.250          1,231.33         95
                                       7.000          1,231.33
    BIRMINGHAM       AL   35216          5            10/22/02         10
    0414963199                           05           12/01/02         30
    0414963199                           O            11/01/32
    0

    8150675          E22/G02             F          112,500.00         ZZ
                                         360        112,500.00          3
                                       7.875            815.70         75
                                       7.625            815.70
    FRESNO           CA   93727          1            10/21/02         00
    0414987750                           05           12/01/02          0
    0414987750                           N            11/01/32
    0

    8150713          E22/G02             F          170,000.00         ZZ
                                         360        170,000.00          1
                                       6.750          1,102.62        100
                                       6.500          1,102.62
    WHITE LAKE       MI   48386          1            10/28/02         01
    0415310606                           05           12/01/02         35
    0415310606                           O            11/01/32
    0

    8150729          P01/G02             F           63,920.00         ZZ
                                         360         63,920.00          3
                                       6.875            419.91         80
                                       6.625            419.91
    SCHENECTADY      NY   12308          1            10/18/02         00
    0434826988                           05           12/01/02          0
1

    02003151                             N            11/01/32
    0

    8150833          E57/G02             F          190,500.00         ZZ
                                         360        190,500.00          1
                                       6.250          1,172.94         78
                                       6.000          1,172.94
    ALISO VIEJO      CA   92656          2            10/17/02         00
    0434852042                           09           12/01/02          0
    06008908                             O            11/01/32
    0

    8150983          W93/G02             F           78,000.00         ZZ
                                         360         78,000.00          1
                                       6.625            499.45         80
                                       6.375            499.45
    RIVERSIDE        CA   92501          1            10/18/02         00
    0434822458                           09           12/01/02          0
    67421234                             O            11/01/32
    0

    8151015          964/G02             F          164,000.00         ZZ
                                         360        164,000.00          1
                                       6.000            983.26         80
                                       5.750            983.26
    LAKE STEVENS     WA   98258          1            10/16/02         00
    0434813382                           05           12/01/02          0
    266796                               O            11/01/32
    0

    8151023          964/G02             F          256,000.00         ZZ
                                         360        256,000.00          1
                                       6.500          1,618.10         79
                                       6.250          1,618.10
    LAS VEGAS        NV   89131          2            10/10/02         00
    0434820007                           03           12/01/02          0
    269728                               O            11/01/32
    0

    8151029          964/G02             F          152,000.00         ZZ
                                         360        152,000.00          1
                                       6.125            923.57         80
                                       5.875            923.57
    GRASS VALLEY     CA   95945          1            10/12/02         00
    0434819264                           05           12/01/02          0
    282162                               O            11/01/32
    0

1

    8151051          964/G02             F           80,500.00         ZZ
                                         360         80,500.00          2
                                       6.750            522.12         70
                                       6.500            522.12
    SPOKANE          WA   99202          5            10/11/02         00
    0434819116                           05           12/01/02          0
    264454                               N            11/01/32
    0

    8151079          964/G02             F          129,600.00         ZZ
                                         360        129,600.00          2
                                       6.375            808.54         90
                                       6.125            808.54
    CALIFORNIA CITY  CA   93505          1            10/15/02         01
    0434818860                           05           12/01/02         25
    270367                               N            11/01/32
    0

    8151087          964/G02             F          172,500.00         ZZ
                                         360        172,500.00          1
                                       6.500          1,090.32         69
                                       6.250          1,090.32
    PORTLAND         OR   97225          2            10/10/02         00
    0434820437                           03           12/01/02          0
    275484                               O            11/01/32
    0

    8151345          W93/G02             F          135,900.00         ZZ
                                         360        135,900.00          1
                                       6.375            847.84         80
                                       6.125            847.84
    PEORIA           AZ   85382          1            10/21/02         00
    0434820577                           03           12/01/02          0
    35415408                             O            11/01/32
    0

    8151389          R84/G02             F           90,000.00         ZZ
                                         360         90,000.00          1
                                       6.875            591.24         90
                                       6.625            591.24
    GRAHAM           WA   98338          1            10/07/02         11
    0434860441                           05           12/01/02         25
    WA900931                             N            11/01/32
    0

    8151469          U05/G02             F          172,000.00         ZZ
                                         360        172,000.00          1
                                       6.125          1,045.09         50
                                       5.875          1,045.09
1

    PORTLAND         OR   97215          2            10/11/02         00
    0434815627                           05           12/01/02          0
    3263246                              O            11/01/32
    0

    8152017          477/G02             F          103,200.00         ZZ
                                         360        103,200.00          1
                                       6.625            660.80         80
                                       6.375            660.80
    PEORIA           AZ   85345          2            10/17/02         00
    0434834073                           05           12/01/02          0
    238297                               N            11/01/32
    0

    8152019          477/G02             F          106,200.00         ZZ
                                         360        106,200.00          1
                                       6.500            671.26         90
                                       6.250            671.26
    REDLANDS         CA   92354          1            10/10/02         11
    0434833752                           05           12/01/02         25
    234543                               O            11/01/32
    0

    8152295          477/G02             F          412,000.00         ZZ
                                         360        412,000.00          3
                                       6.875          2,706.55         80
                                       6.625          2,706.55
    GLENDALE         CA   91206          5            10/09/02         00
    0434833919                           05           12/01/02          0
    234517                               O            11/01/32
    0

    8152965          A06/G02             F           79,200.00         ZZ
                                         360         79,126.64          1
                                       6.375            494.11         90
                                       6.125            494.11
    LINCOLN PARK     MI   48146          5            09/27/02         11
    0434824041                           05           11/01/02         25
    021000020220918                      O            10/01/32
    0

    8153051          W40/G02             F          105,600.00         ZZ
                                         360        105,600.00          1
                                       6.750            684.92         80
                                       6.500            684.92
    HOLLAND          MI   49424          5            10/22/02         00
    0434829503                           05           12/01/02          0
    102011000                            O            11/01/32
    0
1

    8153059          477/G02             F          123,750.00         ZZ
                                         360        123,750.00          1
                                       6.375            772.04         75
                                       6.125            772.04
    SAN DIEGO        CA   92108          1            10/04/02         00
    0434831517                           01           12/01/02          0
    234379                               N            11/01/32
    0

    8153611          477/G02             F          139,650.00         ZZ
                                         360        139,650.00          1
                                       6.875            917.40         95
                                       6.625            917.40
    PALMDALE         CA   93552          1            10/09/02         11
    0434831327                           05           12/01/02         30
    234448                               O            11/01/32
    0

    8154067          L16/G02             F           52,500.00         ZZ
                                         360         52,500.00          1
                                       6.750            340.51         75
                                       6.500            340.51
    BAKERSFIELD      CA   93307          1            10/23/02         00
    0434817789                           05           12/01/02          0
    7264                                 N            11/01/32
    0

    8154169          642/G02             F           99,750.00         T
                                         360         99,750.00          1
                                       6.500            630.49         95
                                       6.250            630.49
    ELLENWOOD        GA   30294          1            10/18/02         10
    0434828836                           05           12/01/02         30
    10103702                             O            11/01/32
    0

    8154223          E22/G02             F          180,000.00         ZZ
                                         360        180,000.00          1
                                       6.250          1,108.29         79
                                       6.000          1,108.29
    FORT COLLINS     CO   80526          5            10/24/02         00
    0415304542                           05           12/01/02          0
    0415304542                           O            11/01/32
    0

    8154237          E22/G02             F           83,200.00         ZZ
                                         360         83,200.00          1
1

                                       6.750            539.63         80
                                       6.500            539.63
    LACEY            WA   98503          1            10/14/02         00
    0415010222                           09           12/01/02          0
    0415010222                           N            11/01/32
    0

    8154321          E22/G02             F          155,000.00         ZZ
                                         360        155,000.00          1
                                       6.375            967.00         56
                                       6.125            967.00
    SOUTH PLAINFIEL  NJ   07080          1            10/29/02         00
    0415094465                           05           12/01/02          0
    0415094465                           O            11/01/32
    0

    8154325          E22/G02             F           61,500.00         ZZ
                                         360         61,500.00          1
                                       6.750            398.89         80
                                       6.500            398.89
    BAY CITY         MI   48706          1            10/29/02         00
    0415100643                           05           12/01/02          0
    0415100643                           O            11/01/32
    0

    8154369          E22/G02             F          140,000.00         ZZ
                                         360        140,000.00          1
                                       6.375            873.42         80
                                       6.125            873.42
    WEST VALLEY CIT  UT   84120          2            10/16/02         00
    0415136308                           05           12/01/02          0
    0415136308                           O            11/01/32
    0

    8154423          E22/G02             F          120,000.00         ZZ
                                         360        120,000.00          1
                                       6.500            758.48         75
                                       6.250            758.48
    PLANTATION       FL   33317          5            10/29/02         00
    0415188721                           05           12/01/02          0
    0415188721                           N            11/01/32
    0

    8154425          E22/G02             F          105,000.00         ZZ
                                         360        105,000.00          1
                                       6.500            663.67         75
                                       6.250            663.67
    MARGATE          FL   33063          5            10/29/02         00
    0415191329                           05           12/01/02          0
1

    0415191329                           N            11/01/32
    0

    8154431          E22/G02             F          108,000.00         ZZ
                                         360        108,000.00          1
                                       6.500            682.63         75
                                       6.250            682.63
    NORTH LAUDERDAL  FL   33068          5            10/29/02         00
    0415191451                           05           12/01/02          0
    0415191451                           N            11/01/32
    0

    8154439          E22/G02             F          108,000.00         ZZ
                                         360        108,000.00          1
                                       6.750            700.49         80
                                       6.500            700.49
    NORTH LAUDERDAL  FL   33068          2            10/24/02         00
    0415195635                           05           12/01/02          0
    0415195635                           O            11/01/32
    0

    8154501          E22/G02             F           63,200.00         ZZ
                                         360         63,200.00          1
                                       7.000            420.47         80
                                       6.750            420.47
    LIBBY            MT   59923          2            10/24/02         00
    0415224047                           05           12/01/02          0
    0415224047                           O            11/01/32
    0

    8154517          F89/G02             F          112,000.00         ZZ
                                         360        112,000.00          1
                                       6.250            689.60         80
                                       6.000            689.60
    LANCASTER        CA   93535          1            10/15/02         00
    0434845533                           05           12/01/02          0
    1033128                              N            11/01/32
    0

    8154525          E22/G02             F           76,050.00         ZZ
                                         360         76,050.00          4
                                       7.500            531.75         90
                                       7.250            531.75
    MEMPHIS          TN   38111          1            10/28/02         04
    0415235530                           05           12/01/02         25
    0415235530                           N            11/01/32
    0

1

    8154557          E22/G02             F           52,000.00         ZZ
                                         360         52,000.00          1
                                       6.500            328.68         56
                                       6.250            328.68
    COLUMBIA         SC   29201          5            10/24/02         00
    0415293430                           05           12/01/02          0
    0415293430                           O            11/01/32
    0

    8154565          E22/G02             F           73,000.00         ZZ
                                         360         73,000.00          1
                                       6.625            467.43         48
                                       6.375            467.43
    LEWISVILLE       TX   75077          5            10/24/02         00
    0415190990                           05           12/01/02          0
    0415190990                           O            11/01/32
    0

    8154567          F89/G02             F           96,000.00         ZZ
                                         360         96,000.00          1
                                       7.000            638.69         79
                                       6.750            638.69
    LANCASTER        CA   93536          5            10/17/02         00
    0434845467                           05           12/01/02          0
    24019                                N            11/01/32
    0

    8154571          L20/G02             F          133,600.00         ZZ
                                         360        133,600.00          1
                                       6.500            844.44         80
                                       6.250            844.44
    RENO             NV   89502          1            10/24/02         00
    0434839973                           05           12/01/02          0
    1141050017                           N            11/01/32
    0

    8154703          N74/G02             F          127,350.00         ZZ
                                         360        127,350.00          1
                                       6.875            836.60         90
                                       6.625            836.60
    FAYETTEVILLE     AR   72703          2            10/21/02         10
    0434841599                           05           12/01/02         25
    0030954010                           O            11/01/32
    0

    8154705          N47/G02             F          191,950.00         ZZ
                                         360        191,950.00          1
                                       6.500          1,213.25         80
                                       6.250          1,213.25
1

    LOS ANGELES      CA   91342          1            10/15/02         00
    0434850418                           01           12/01/02          0
    30121687                             O            11/01/32
    0

    8154867          N74/G02             F           68,000.00         ZZ
                                         360         68,000.00          1
                                       6.500            429.81         80
                                       6.250            429.81
    HIGH POINT       NC   27260          5            10/24/02         00
    0434843595                           05           12/01/02          0
    0030969010                           O            11/01/32
    0

    8154987          U05/G02             F          207,000.00         ZZ
                                         360        207,000.00          4
                                       6.875          1,359.84         90
                                       6.625          1,359.84
    SALEM            OR   97305          1            10/14/02         14
    0434818159                           05           12/01/02         25
    3259544                              N            11/01/32
    0

    8155493          M37/G02             F          299,250.00         ZZ
                                         360        299,250.00          1
                                       6.125          1,818.27         56
                                       5.875          1,818.27
    FLAGSTAFF        AZ   86004          2            10/18/02         00
    0434831558                           05           12/01/02          0
    992STANLEYK                          O            11/01/32
    0

    8156841          X19/G02             F          270,000.00         ZZ
                                         360        270,000.00          1
                                       7.375          1,864.82         90
                                       7.125          1,864.82
    NEW ROCHELLE     NY   10801          1            10/30/02         04
    0434840245                           05           12/01/02         25
    22080101                             N            11/01/32
    0

    8156849          B44/G02             F           77,500.00         ZZ
                                         360         77,500.00          1
                                       6.875            509.12         74
                                       6.625            509.12
    BOISE            ID   83705          2            10/21/02         00
    0434857926                           05           12/01/02          0
    4021557                              N            11/01/32
    0
1

    8157169          B44/G02             F          297,500.00         ZZ
                                         360        297,500.00          1
                                       6.250          1,831.76         85
                                       6.000          1,831.76
    BOISE            ID   83704          2            10/21/02         11
    0434847653                           03           12/01/02         12
    4021648                              O            11/01/32
    0

    8157197          E82/G02             F          134,000.00         T
                                         360        134,000.00          1
                                       6.750            869.12         80
                                       6.500            869.12
    CEDAR CITY       UT   84720          2            10/28/02         00
    0400717088                           05           12/01/02          0
    7722319                              O            11/01/32
    0

    8157245          E82/G02             F           92,600.00         ZZ
                                         360         92,600.00          2
                                       6.625            592.93         64
                                       6.375            592.93
    GRAIN VALLEY     MO   64029          2            10/28/02         00
    0400711214                           05           12/01/02          0
    1667422                              N            11/01/32
    0

    8157291          B44/G02             F           93,750.00         ZZ
                                         360         93,750.00          1
                                       7.000            623.72         75
                                       6.750            623.72
    BOISE            ID   83704          5            10/25/02         00
    0434847687                           05           12/01/02          0
    4021683                              N            11/01/32
    0

    8157517          E47/G02             F          149,600.00         ZZ
                                         360        149,600.00          1
                                       6.250            921.11         80
                                       6.000            921.11
    WAXHAW           NC   28173          1            10/18/02         00
    0434845079                           05           12/01/02          0
    7350510379                           O            11/01/32
    0

    8157591          E22/G02             F          254,000.00         ZZ
                                         360        254,000.00          1
1

                                       6.500          1,605.45         73
                                       6.250          1,605.45
    SEATTLE          WA   98119          2            10/28/02         00
    0414971218                           05           12/01/02          0
    0414971218                           N            11/01/32
    0

    8157601          E22/G02             F          182,990.00         ZZ
                                         360        182,990.00          1
                                       6.250          1,126.70         78
                                       6.000          1,126.70
    HOUSTON          TX   77019          1            10/29/02         00
    0414988212                           05           12/01/02          0
    0414988212                           O            11/01/32
    0

    8157609          E22/G02             F           84,700.00         ZZ
                                         360         84,700.00          2
                                       7.375            585.00         88
                                       7.125            585.00
    LOUISVILLE       KY   40210          2            10/30/02         10
    0414996470                           05           12/01/02         25
    0414996470                           N            11/01/32
    0

    8157619          E22/G02             F          121,500.00         ZZ
                                         360        121,500.00          1
                                       6.875            798.17         90
                                       6.625            798.17
    MIAMI            FL   33177          2            10/25/02         01
    0415004829                           05           12/01/02         25
    0415004829                           O            11/01/32
    0

    8157691          E22/G02             F           84,000.00         ZZ
                                         360         84,000.00          1
                                       6.375            524.05         70
                                       6.125            524.05
    PORTLAND         OR   97206          2            10/16/02         00
    0415065416                           05           12/01/02          0
    0415065416                           N            11/01/32
    0

    8157725          E22/G02             F          250,000.00         ZZ
                                         360        250,000.00          1
                                       6.750          1,621.50         59
                                       6.500          1,621.50
    BEND             OR   97701          5            10/28/02         00
    0415106491                           03           12/01/02          0
1

    0415106491                           N            11/01/32
    0

    8157753          E22/G02             F          300,000.00         ZZ
                                         360        300,000.00          1
                                       6.750          1,945.79         75
                                       6.500          1,945.79
    BEND             OR   97701          2            10/24/02         00
    0415128610                           05           12/01/02          0
    0415128610                           N            11/01/32
    0

    8157865          E22/G02             F          143,450.00         ZZ
                                         360        143,450.00          1
                                       7.250            978.58         95
                                       7.000            978.58
    SUNRISE          FL   33323          1            10/30/02         10
    0415196328                           05           12/01/02         30
    0415196328                           O            11/01/32
    0

    8157953          E22/G02             F          103,500.00         ZZ
                                         360        103,500.00          1
                                       6.500            654.19         90
                                       6.250            654.19
    GRAND JUNCTION   CO   81503          2            10/25/02         01
    0415267129                           03           12/01/02         25
    0415267129                           O            11/01/32
    0

    8157977          E22/G02             F          116,000.00         ZZ
                                         360        116,000.00          1
                                       6.500            733.20         80
                                       6.250            733.20
    STOCKTON         CA   95210          1            10/24/02         00
    0415290709                           05           12/01/02          0
    0415290709                           O            11/01/32
    0

    8157995          E22/G02             F          111,000.00         ZZ
                                         360        111,000.00          1
                                       7.500            776.13         90
                                       7.250            776.13
    ST. CLAIR SHORE  MI   48081          1            10/30/02         04
    0415312412                           05           12/01/02         30
    0415312412                           O            11/01/32
    0

1

    8158451          E44/G02             F           78,750.00         ZZ
                                         360         78,750.00          1
                                       7.500            550.63         88
                                       7.250            550.63
    PROVO            UT   84604          1            10/02/02         14
    0434809083                           01           12/01/02         25
    48020105                             N            11/01/32
    0

    8158669          P01/G02             F           58,500.00         ZZ
                                         360         58,456.59          1
                                       7.500            409.04         90
                                       7.250            409.04
    PETERSBURGH      NY   12138          1            09/30/02         04
    0434842035                           05           11/01/02         25
    02003067                             O            10/01/32
    0

    8158701          962/G02             F           72,000.00         ZZ
                                         360         72,000.00          2
                                       7.250            491.17         90
                                       7.000            491.17
    FARGO            ND   58102          1            10/28/02         14
    0434829966                           05           12/01/02         25
    2002612                              N            11/01/32
    0

    8159657          X64/G02             F          300,000.00         ZZ
                                         360        300,000.00          1
                                       6.125          1,822.83         67
                                       5.875          1,822.83
    WEST BLOOMFIELD  MI   48323          5            10/15/02         00
    0434840831                           05           12/01/02          0
    01938774                             O            11/01/32
    0

    8161165          X08/G02             F           50,000.00         ZZ
                                         360         50,000.00          1
                                       6.750            324.30         61
                                       6.500            324.30
    ROOSEVELT        UT   84066          1            10/11/02         00
    0434865135                           05           12/01/02          0
    6014246                              N            11/01/32
    0

    8161179          E82/G02             F          119,800.00         ZZ
                                         360        119,800.00          1
                                       6.375            747.40         78
                                       6.125            747.40
1

    MINE HILL        NJ   07803          2            10/28/02         00
    0400719845                           05           12/01/02          0
    1640783                              O            11/01/32
    0

    8161261          T29/G02             F           80,000.00         ZZ
                                         360         80,000.00          1
                                       6.500            505.65         80
                                       6.250            505.65
    LAKESIDE         AZ   85929          5            10/21/02         00
    0434831269                           05           12/01/02          0
    1524252                              O            11/01/32
    0

    8161349          E22/G02             F          149,600.00         ZZ
                                         360        149,600.00          1
                                       6.375            933.31         80
                                       6.125            933.31
    SKOKIE           IL   60076          1            10/31/02         00
    0414904854                           07           12/01/02          0
    0414904854                           O            11/01/32
    0

    8161351          E22/G02             F           95,200.00         ZZ
                                         360         95,200.00          1
                                       6.500            601.73         80
                                       6.250            601.73
    COLORADO SPRING  CO   80918          1            10/31/02         00
    0414908475                           09           12/01/02          0
    0414908475                           O            11/01/32
    0

    8161419          E22/G02             F          185,000.00         ZZ
                                         360        185,000.00          1
                                       6.750          1,199.91         70
                                       6.500          1,199.91
    WEST LINN        OR   97068          1            10/22/02         00
    0415037845                           05           12/01/02          0
    0415037845                           N            11/01/32
    0

    8161425          E22/G02             F           44,000.00         ZZ
                                         360         44,000.00          1
                                       6.750            285.38         36
                                       6.500            285.38
    WESTON           FL   33326          1            10/31/02         00
    0415050160                           01           12/01/02          0
    0415050160                           O            11/01/32
    0
1

    8161433          E22/G02             F           63,900.00         ZZ
                                         360         63,900.00          1
                                       6.875            419.78         90
                                       6.625            419.78
    AVENTURA         FL   33180          1            10/31/02         01
    0415058692                           01           12/01/02         25
    0415058692                           N            11/01/32
    0

    8161483          E22/G02             F          112,500.00         ZZ
                                         360        112,500.00          1
                                       6.875            739.04         90
                                       6.625            739.04
    CHICAGO          IL   60619          1            10/31/02         04
    0415122316                           05           12/01/02         25
    0415122316                           O            11/01/32
    0

    8161487          E22/G02             F          120,400.00         ZZ
                                         360        120,400.00          1
                                       6.875            790.94         80
                                       6.625            790.94
    COLORADO SPRING  CO   80920          1            10/31/02         00
    0415128453                           05           12/01/02          0
    0415128453                           N            11/01/32
    0

    8161501          E22/G02             F          112,410.00         ZZ
                                         360        112,410.00          1
                                       7.125            757.33         90
                                       6.875            757.33
    LAVERGNE         TN   37086          1            10/28/02         04
    0415142504                           05           12/01/02         25
    0415142504                           N            11/01/32
    0

    8161515          E22/G02             F           81,900.00         ZZ
                                         360         81,900.00          3
                                       7.250            558.70         90
                                       7.000            558.70
    LEWISTON         ID   83501          1            10/25/02         04
    0415160407                           05           12/01/02         25
    0415160407                           N            11/01/32
    0

    8161533          E22/G02             F           67,000.00         ZZ
                                         360         67,000.00          1
1

                                       6.500            423.49         74
                                       6.250            423.49
    MIAMI            FL   33177          5            10/26/02         00
    0415175769                           07           12/01/02          0
    0415175769                           O            11/01/32
    0

    8161543          E22/G02             F          171,000.00         ZZ
                                         360        171,000.00          1
                                       6.625          1,094.93         90
                                       6.375          1,094.93
    SAINT PAUL       MN   55106          1            10/31/02         01
    0415182963                           05           12/01/02         25
    0415182963                           N            11/01/32
    0

    8161643          E22/G02             F           29,250.00         ZZ
                                         360         29,250.00          2
                                       7.250            199.54         90
                                       7.000            199.54
    LEWISTON         ID   83501          1            10/25/02         04
    0415245638                           05           12/01/02         25
    0415245638                           N            11/01/32
    0

    8161807          H58/G02             F          358,000.00         ZZ
                                         360        358,000.00          2
                                       6.375          2,233.45         52
                                       6.125          2,233.45
    HERMOSA BEACH    CA   90254          2            10/16/02         00
    0434864641                           05           12/01/02          0
    0000113388                           O            11/01/32
    0

    8161945          950/G02             F          108,750.00         ZZ
                                         360        108,750.00          1
                                       6.750            705.35         75
                                       6.500            705.35
    ROSLYN           WA   98941          5            10/18/02         00
    0434853560                           05           12/01/02          0
    1209069                              N            11/01/32
    0

    8162017          E11/G02             F           50,000.00         ZZ
                                         360         50,000.00          1
                                       6.250            307.86         18
                                       6.000            307.86
    MINNEAPOLIS      MN   55419          1            10/29/02         00
    0434866372                           05           12/01/02          0
1

    0002001050058                        O            11/01/32
    0

    8162093          967/G02             F          138,000.00         ZZ
                                         360        138,000.00          1
                                       6.250            849.69         88
                                       6.000            849.69
    KETCHUM          ID   83340          2            10/21/02         04
    0434866497                           01           12/01/02         25
    5691886                              O            11/01/32
    0

    8162095          950/G02             F          131,000.00         ZZ
                                         360        131,000.00          1
                                       6.750            849.66         80
                                       6.500            849.66
    ROSLYN           WA   98941          1            10/18/02         00
    0434856621                           05           12/01/02          0
    1209024                              N            11/01/32
    0

    8162105          950/G02             F           60,000.00         ZZ
                                         360         60,000.00          1
                                       6.750            389.16         75
                                       6.500            389.16
    ROSLYN           WA   98941          5            10/18/02         00
    0434856290                           05           12/01/02          0
    1209068                              N            11/01/32
    0

    8162417          N34/G02             F          202,500.00         ZZ
                                         360        202,500.00          1
                                       7.125          1,364.28         90
                                       6.875          1,364.28
    CHICAGO          IL   60618          1            10/31/02         10
    0434871497                           05           12/01/02         25
    7433412                              O            11/01/32
    0

    8162915          W82/G02             F           76,000.00         ZZ
                                         360         76,000.00          1
                                       6.875            499.27         95
                                       6.625            499.27
    UPPER SANDUSKY   OH   43351          2            10/22/02         10
    0434841458                           05           12/01/02         30
    910002811                            O            11/01/32
    0

1

    8162951          253/253             F           38,000.00         ZZ
                                         360         38,000.00          1
                                       7.000            252.82         59
                                       6.750            252.82
    DALLAS           TX   75240          5            10/18/02         00
    432992                               01           12/01/02          0
    432992                               N            11/01/32
    0

    8163133          A06/G02             F          151,000.00         ZZ
                                         360        151,000.00          1
                                       6.250            929.74         76
                                       6.000            929.74
    CHESTERFIELD     MI   48047          2            10/19/02         00
    0434835096                           05           12/01/02          0
    36857444                             O            11/01/32
    0

    8163177          Q14/G02             F          121,520.00         ZZ
                                         360        121,520.00          1
                                       6.750            788.18         80
                                       6.500            788.18
    GILBERT          AZ   85234          1            10/30/02         00
    0434832788                           03           12/01/02          0
    0209150                              O            11/01/32
    0

    8163233          253/253             F           26,700.00         ZZ
                                         360         26,700.00          1
                                       7.000            177.64         67
                                       6.750            177.64
    DALLAS           TX   75240          2            10/18/02         00
    433125                               01           12/01/02          0
    433125                               N            11/01/32
    0

    8163379          562/G02             F           25,000.00         ZZ
                                         360         25,000.00          1
                                       6.875            164.24         37
                                       6.625            164.24
    MONROE           NY   10950          1            10/08/02         00
    0434871125                           01           12/01/02          0
    297046840                            N            11/01/32
    0

    8163879          E22/G02             F          124,830.00         ZZ
                                         360        124,830.00          1
                                       6.500            789.01         95
                                       6.250            789.01
1

    CLEBURNE         TX   76033          1            11/01/02         04
    0414937870                           05           12/01/02         35
    0414937870                           O            11/01/32
    0

    8163891          E22/G02             F          105,000.00         ZZ
                                         360        105,000.00          1
                                       6.375            655.06         33
                                       6.125            655.06
    PEABODY          MA   01960          2            10/28/02         00
    0414986026                           05           12/01/02          0
    0414986026                           O            11/01/32
    0

    8164033          E22/G02             F          113,000.00         ZZ
                                         360        113,000.00          1
                                       6.875            742.33         80
                                       6.625            742.33
    BRICK            NJ   08724          5            11/01/02         00
    0415097468                           01           12/01/02          0
    0415097468                           N            11/01/32
    0

    8164203          E22/G02             F          121,500.00         ZZ
                                         360        121,500.00          1
                                       7.375            839.17         80
                                       7.125            839.17
    EDMOND           OK   73003          2            10/28/02         00
    0415294099                           05           12/01/02          0
    0415294099                           O            11/01/32
    0

    8164233          W53/G02             F          300,000.00         ZZ
                                         360        299,031.78          1
                                       7.125          2,021.16         78
                                       6.875          2,021.16
    SHARPSBURG       GA   30277          2            06/14/02         00
    0434874863                           05           08/01/02          0
    1308000055                           O            07/01/32
    0

    8164297          E47/G02             F          217,500.00         ZZ
                                         360        217,500.00          1
                                       6.750          1,410.70         67
                                       6.500          1,410.70
    OAKLAND          CA   94601          5            10/14/02         00
    0434871307                           05           12/01/02          0
    7359520897                           N            11/01/32
    0
1

    8164939          M96/G02             F           80,000.00         ZZ
                                         360         80,000.00          1
                                       6.750            518.88         80
                                       6.500            518.88
    BATTLE CREEK     MI   49014          1            10/31/02         00
    0434869558                           05           12/01/02          0
    200202587                            O            11/01/32
    0

    8167729          G34/G02             F           74,700.00         ZZ
                                         360         74,700.00          1
                                       7.250            509.59         90
                                       7.000            509.59
    LAS VEGAS        NV   89122          1            10/18/02         10
    0434870705                           01           12/01/02         25
    39102255                             N            11/01/32
    0

    8168503          E22/G02             F          147,500.00         ZZ
                                         360        147,500.00          1
                                       6.375            920.21         57
                                       6.125            920.21
    STERLING HEIGHT  MI   48310          2            10/29/02         00
    0415125863                           01           12/01/02          0
    0415125863                           O            11/01/32
    0

    8168621          E22/G02             F          157,600.00         ZZ
                                         360        157,600.00          1
                                       6.250            970.37         80
                                       6.000            970.37
    SOUTHFIELD       MI   48076          2            10/30/02         00
    0415065671                           05           12/01/02          0
    0415065671                           O            11/01/32
    0

    8168629          E22/G02             F           62,500.00         ZZ
                                         360         62,500.00          1
                                       6.375            389.92         68
                                       6.125            389.92
    WEST PALM BEACH  FL   33406          2            10/29/02         00
    0415072115                           09           12/01/02          0
    0415072115                           O            11/01/32
    0

    8168651          E22/G02             F           62,900.00         ZZ
                                         360         62,900.00          1
1

                                       6.500            397.57         85
                                       6.250            397.57
    SOUTH BEND       IN   46614          2            10/30/02         04
    0415177666                           05           12/01/02         12
    0415177666                           O            11/01/32
    0

    8168769          E22/G02             F          178,661.00         ZZ
                                         360        178,661.00          1
                                       6.125          1,085.56         77
                                       5.875          1,085.56
    WYOMING          MN   55092          2            10/30/02         00
    0415231398                           05           12/01/02          0
    0415231398                           O            11/01/32
    0

    8168873          E22/G02             F           56,000.00         ZZ
                                         360         56,000.00          1
                                       6.875            367.88         80
                                       6.625            367.88
    WEISER           ID   83672          1            10/30/02         00
    0415330729                           05           12/01/02          0
    0415330729                           O            11/01/32
    0

    8168925          E82/G02             F          100,850.00         ZZ
                                         360        100,850.00          4
                                       6.625            645.75         57
                                       6.375            645.75
    TEMPE            AZ   85281          2            10/31/02         00
    0400712840                           05           12/01/02          0
    1818652                              N            11/01/32
    0

    8168927          E82/G02             F          100,750.00         ZZ
                                         360        100,750.00          4
                                       6.625            645.11         57
                                       6.375            645.11
    TEMPE            AZ   85281          2            10/31/02         00
    0400712873                           05           12/01/02          0
    1818689                              N            11/01/32
    0

    8168929          E82/G02             F           89,500.00         ZZ
                                         360         89,500.00          4
                                       6.625            573.08         51
                                       6.375            573.08
    TEMPE            AZ   85281          2            10/31/02         00
    0400712865                           05           12/01/02          0
1

    1818510                              N            11/01/32
    0

    8169007          E82/G02             F           89,450.00         ZZ
                                         360         89,450.00          4
                                       6.625            572.76         50
                                       6.375            572.76
    TEMPE            AZ   85281          2            10/31/02         00
    0400712782                           05           12/01/02          0
    181529                               N            11/01/32
    0

    8169009          E82/G02             F          100,550.00         ZZ
                                         360        100,550.00          4
                                       6.625            643.83         56
                                       6.375            643.83
    TEMPE            AZ   85281          2            10/31/02         00
    0400712808                           05           12/01/02          0
    1818692                              N            11/01/32
    0

    8169971          926/926             F           63,500.00         T
                                         360         63,445.33          1
                                       6.750            411.86         80
                                       6.500            411.86
    HILTON HEAD ISL  SC   29928          1            09/27/02         00
    020911210                            01           11/01/02          0
    020911210                            O            10/01/32
    0

    8170573          X64/G02             F           54,000.00         ZZ
                                         360         54,000.00          1
                                       6.500            341.32         65
                                       6.250            341.32
    DETRIOT          MI   48227          5            10/24/02         00
    0434857801                           05           12/01/02          0
    9921291                              O            11/01/32
    0

    8178067          K15/G02             F          176,000.00         ZZ
                                         360        176,000.00          1
                                       6.375          1,098.01         58
                                       6.125          1,098.01
    AMHERST          NH   03031          5            10/25/02         00
    0434876140                           05           12/01/02          0
    033105504708                         O            11/01/32
    0

1

    8179571          K15/G02             F          112,000.00         ZZ
                                         360        112,000.00          1
                                       6.625            717.15         66
                                       6.375            717.15
    MANCHESTER       NH   03103          5            10/25/02         00
    0434875837                           05           12/01/02          0
    033605306885                         O            11/01/32
    0

    8179699          F36/G02             F          209,700.00         ZZ
                                         360        209,700.00          2
                                       6.625          1,342.73         90
                                       6.375          1,342.73
    TUMWATER         WA   98512          1            10/22/02         14
    0434876934                           05           12/01/02         25
    06405328                             N            11/01/32
    0

    8179923          E22/G02             F          126,000.00         ZZ
                                         360        126,000.00          1
                                       7.500            881.01         63
                                       7.250            881.01
    PLAYA DEL REY (  CA   90293          5            10/24/02         00
    0414773507                           01           12/01/02          0
    0414773507                           N            11/01/32
    0

    8179979          E22/G02             F          300,000.00         ZZ
                                         360        300,000.00          2
                                       6.875          1,970.79         50
                                       6.625          1,970.79
    LOS ANGELES      CA   90046          5            10/31/02         00
    0415044791                           05           12/01/02          0
    0415044791                           N            11/01/32
    0

    8179983          E22/G02             F           54,925.00         ZZ
                                         360         54,925.00          1
                                       6.750            356.24         65
                                       6.500            356.24
    ANNISTON         AL   36206          5            10/31/02         00
    0415075001                           05           12/01/02          0
    0415075001                           O            11/01/32
    0

    8179993          E22/G02             F           60,000.00         ZZ
                                         360         60,000.00          1
                                       6.375            374.32         53
                                       6.125            374.32
1

    SPOKANE          WA   99223          5            10/08/02         00
    0415083484                           05           12/01/02          0
    0415083484                           O            11/01/32
    0

    8180049          E22/G02             F          149,013.00         ZZ
                                         360        149,013.00          2
                                       7.000            991.39         75
                                       6.750            991.39
    SACRAMENTO       CA   95827          1            10/28/02         00
    0415142405                           05           12/01/02          0
    0415142405                           N            11/01/32
    0

    8180051          E22/G02             F          188,000.00         ZZ
                                         360        188,000.00          1
                                       6.500          1,188.29         80
                                       6.250          1,188.29
    AUBURN           WA   98092          2            10/30/02         00
    0415143676                           05           12/01/02          0
    0415143676                           O            11/01/32
    0

    8180155          E22/G02             F           62,000.00         ZZ
                                         360         62,000.00          1
                                       6.750            402.13         80
                                       6.500            402.13
    RIDGECREST       CA   93555          2            10/23/02         00
    0415257500                           05           12/01/02          0
    0415257500                           O            11/01/32
    0

    8180157          E22/G02             F          106,000.00         ZZ
                                         360        106,000.00          1
                                       6.375            661.30         80
                                       6.125            661.30
    BELLINGHAM       WA   98229          5            10/24/02         00
    0415258946                           05           12/01/02          0
    0415258946                           O            11/01/32
    0

    8180175          E22/G02             F          176,000.00         ZZ
                                         360        176,000.00          1
                                       6.500          1,112.44         80
                                       6.250          1,112.44
    AUSTIN           TX   78734          5            10/30/02         00
    0415287770                           03           12/01/02          0
    0415287770                           O            11/01/32
    0
1

    8180341          738/G02             F           98,000.00         ZZ
                                         360         98,000.00          1
                                       7.250            668.54         80
                                       7.000            668.54
    OKEECHOBEE       FL   34972          1            10/25/02         00
    0434851622                           05           12/01/02          0
    40635950                             O            11/01/32
    0

    8180575          E22/G02             F          147,250.00         ZZ
                                         360        147,250.00          1
                                       6.375            918.65         95
                                       6.125            918.65
    PAYSON           UT   84651          2            10/23/02         04
    0414995373                           05           12/01/02         30
    0414995373                           O            11/01/32
    0

    8180583          E22/G02             F          115,650.00         ZZ
                                         360        115,650.00          1
                                       7.500            808.64         90
                                       7.250            808.64
    MIAMI            FL   33015          1            10/30/02         10
    0415027309                           01           12/01/02         25
    0415027309                           N            11/01/32
    0

    8184257          B28/G02             F           50,000.00         ZZ
                                         360         50,000.00          1
                                       6.875            328.46         24
                                       6.625            328.46
    ARVADA           CO   80003          1            10/28/02         00
    0434880274                           05           12/01/02          0
    2800386                              O            11/01/32
    0

    8184735          E22/G02             F           97,000.00         ZZ
                                         360         97,000.00          1
                                       6.500            613.11         75
                                       6.250            613.11
    MERIDIAN         ID   83642          2            10/22/02         00
    0415224955                           03           12/01/02          0
    0415224955                           N            11/01/32
    0

    8190519          A06/G02             F          120,000.00         ZZ
                                         360        120,000.00          1
1

                                       6.375            748.65         73
                                       6.125            748.65
    BRIGHTON         MI   48114          2            10/29/02         00
    0434879573                           05           12/01/02          0
    5000020219652                        O            11/01/32
    0

    8191283          A06/G02             F          138,600.00         ZZ
                                         360        138,600.00          1
                                       6.750            898.96         84
                                       6.500            898.96
    MONROE           MI   48162          2            10/30/02         11
    0434879938                           05           12/01/02         25
    021000020221428                      O            11/01/32
    0

    8192539          A06/G02             F          119,000.00         ZZ
                                         360        119,000.00          1
                                       6.250            732.71         38
                                       6.000            732.71
    FENTON           MI   48430          2            10/30/02         00
    0434878013                           05           12/01/02          0
    021000020224448                      O            11/01/32
    0

    8326656          E23/G02             F          188,800.00         ZZ
                                         360        188,629.33          1
                                       6.500          1,193.34         80
                                       6.250          1,193.34
    CORONA           CA   92879          1            09/05/02         00
    0434620019                           01           11/01/02          0
    51016962                             O            10/01/32
    0

    8327912          E23/G02             F          250,000.00         ZZ
                                         360        249,779.43          1
                                       6.625          1,600.78         80
                                       6.375          1,600.78
    SAN DIEGO        CA   92119          5            09/01/02         00
    0434689626                           05           11/01/02          0
    11012743                             N            10/01/32
    0

    8328578          E23/G02             F          100,000.00         ZZ
                                         360         99,913.90          1
                                       6.750            648.60         40
                                       6.500            648.60
    OCEANSIDE        CA   92054          5            09/13/02         00
    0434673646                           05           11/01/02          0
1

    61006889                             O            10/01/32
    0

    8329816          E23/G02             F           90,600.00         ZZ
                                         360         90,522.00          2
                                       6.750            587.63         80
                                       6.500            587.63
    EUGENE           OR   97472          1            09/25/02         00
    0434686499                           05           11/01/02          0
    71004390                             O            10/01/32
    0

    8330196          E23/G02             F           76,000.00         ZZ
                                         360         75,940.72          1
                                       7.250            518.45         42
                                       7.000            518.45
    BELL             CA   90201          5            09/25/02         00
    0434692711                           05           11/01/02          0
    51019400                             N            10/01/32
    0

    8330238          W98/G02             F          248,000.00         ZZ
                                         360        247,775.80          1
                                       6.500          1,567.53         80
                                       6.250          1,567.53
    ROUND HILL       VA   20141          5            09/30/02         00
    0434774089                           05           11/01/02          0
    L0209021                             O            10/01/32
    0

    8330578          738/G02             F          180,000.00         ZZ
                                         360        179,845.02          1
                                       6.750          1,167.48         80
                                       6.500          1,167.48
    LAKE WORTH       FL   33460          5            09/25/02         00
    0434687331                           05           11/01/02          0
    40660352                             O            10/01/32
    0

    8331198          R68/G02             F           78,400.00         ZZ
                                         360         78,400.00          1
                                       6.625            502.00         80
                                       6.375            502.00
    MARGATE          FL   33068          2            10/23/02         00
    0434803110                           07           12/01/02          0
    7368568                              N            11/01/32
    0

1

    8331912          W98/G02             F          275,400.00         ZZ
                                         360        275,400.00          1
                                       6.375          1,718.14         90
                                       6.125          1,718.14
    NOKESVILLE       VA   20181          2            10/11/02         01
    0434788865                           05           12/01/02         25
    WA020912                             O            11/01/32
    0

    8332190          E23/G02             F          131,500.00         ZZ
                                         360        131,500.00          1
                                       6.500            831.17         78
                                       6.250            831.17
    SAN DIEGO        CA   92139          2            10/09/02         00
    0434821187                           01           12/01/02          0
    11014134                             O            11/01/32
    0

    8332408          L68/G02             F          115,000.00         ZZ
                                         360        115,000.00          1
                                       6.000            689.48         75
                                       5.750            689.48
    BARREN SPRINGS   VA   24313          5            10/04/02         00
    0434801692                           05           12/01/02          0
    7265052                              O            11/01/32
    0

   TOTAL NUMBER OF LOANS   :      1,443

   TOTAL ORIGINAL BALANCE  :   208,641,985.00

   TOTAL PRINCIPAL BALANCE :   208,505,153.05

   TOTAL ORIGINAL P+I      :     1,348,740.15

   TOTAL CURRENT P+I       :     1,348,740.14

                             ***************************
                             *      END OF REPORT      *
                             ***************************

<PAGE>

  RUN ON     : 11/21/02           RFC DISCLOSURE SYSTEM       RFFSDFIX-01
  AT         : 08.48.02           FIXED PASSTHRU REPORT       AMORTIZED BALANCE
  SERIES     : RALI 2002-QS17 NON-CONFORMING                  CUTOFF : 11/01/02
  POOL       : 0004642
             :
             :
  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
  ---------------------------------------------------------------------------

      5412524                              .2500
      120,863.40                          .0800
            8.6250                         .0000
            8.3750                         .0000
            8.2950                         .0000
            6.0000                        2.2950

      6480494                              .2500
       46,824.52                          .0800
            8.0000                         .0000
            7.7500                         .0000
            7.6700                         .0000
            6.0000                        1.6700

      7139308                              .2500
      224,697.35                          .0800
            8.7500                         .0000
            8.5000                         .0000
            8.4200                         .0000
            6.0000                        2.4200

      7686355                              .2500
       41,788.39                          .0800
            7.7500                         .0000
            7.5000                         .0000
            7.4200                         .0000
            6.0000                        1.4200

      7694165                              .2500
      120,253.63                          .0800
            7.5000                         .0000
            7.2500                         .0000
            7.1700                         .0000
            6.0000                        1.1700

      7705413                              .2500
      160,838.90                          .0800
            8.0000                         .0000
            7.7500                         .0000
            7.6700                         .0000
            6.0000                        1.6700
1

      7734613                              .2500
       71,643.36                          .0800
            8.0000                         .0000
            7.7500                         .0000
            7.6700                         .0000
            6.0000                        1.6700

      7785939                              .2500
      105,522.26                          .0800
            8.1250                         .0000
            7.8750                         .0000
            7.7950                         .0000
            6.0000                        1.7950

      7812283                              .2500
      224,230.50                          .0800
            8.1250                         .0000
            7.8750                         .0000
            7.7950                         .0000
            6.0000                        1.7950

      7812849                              .2500
      122,371.84                          .0800
            7.8750                         .0000
            7.6250                         .0000
            7.5450                         .0000
            6.0000                        1.5450

      7814843                              .2500
      110,204.59                          .0800
            7.7500                         .0000
            7.5000                         .0000
            7.4200                         .0000
            6.0000                        1.4200

      7821095                              .2500
      439,171.39                          .0800
            7.0000                         .0000
            6.7500                         .0000
            6.6700                         .0000
            6.0000                         .6700

      7857731                              .2500
      363,698.19                          .0800
            7.0000                         .0000
            6.7500                         .0000
            6.6700                         .0000
            6.0000                         .6700

      7883897                              .2500
      168,383.81                          .0800
            7.6250                         .0000
            7.3750                         .0000
            7.2950                         .0000
            6.0000                        1.2950
1

      7898069                              .2500
       81,929.39                          .0800
            7.8750                         .0000
            7.6250                         .0000
            7.5450                         .0000
            6.0000                        1.5450

      7905751                              .2500
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      365,661.02                          .0800
            6.3750                         .0000
            6.1250                         .0000
            6.0450                         .0000
            6.0000                         .0450

      8330760                              .2500
      256,314.35                          .0800
            7.6250                         .0000
            7.3750                         .0000
            7.2950                         .0000
            6.0000                        1.2950

      8331066                              .2500
      650,000.00                          .0800
            6.7500                         .0000
            6.5000                         .0000
            6.4200                         .0000
            6.0000                         .4200

      8331068                              .2500
      370,500.00                          .0800
            6.7500                         .0000
            6.5000                         .0000
            6.4200                         .0000
            6.0000                         .4200

      8333496                              .2500
      425,500.00                          .0800
            6.5000                         .0000
            6.2500                         .0000
            6.1700                         .0000
            6.0000                         .1700

      8333752                              .2500
      335,000.00                          .0800
            6.7500                         .0000
            6.5000                         .0000
            6.4200                         .0000
            6.0000                         .4200

      8333850                              .2500
      167,214.00                          .0800
            7.6250                         .0000
            7.3750                         .0000
            7.2950                         .0000
            6.0000                        1.2950
1

      8334924                              .2500
      445,000.00                          .0300
            6.2500                         .0000
            6.0000                         .0000
            5.9700                         .0000
            5.9700                         .0000

  TOTAL NUMBER OF LOANS:      670
  TOTAL BALANCE........:        212,569,339.32

  RUN ON     : 11/21/02            RFC DISCLOSURE SYSTEM      RFFSDFIX-01
  AT         : 08.48.02            INITIAL SECURITY FEES      AMORTIZED BALANCE
  SERIES     : RALI 2002-QS17 NON   FIXED SUMMARY REPORT      CUTOFF : 11/01/02
  POOL       : 0004642
             :
             :
  POOL STATUS: F

                                   WEIGHTED AVERAGES      FROM         TO
  ---------------------------------------------------------------------------
  CURR NOTE RATE                        6.6685            5.7500      8.7500
  RFC NET RATE                          6.4107            5.5000      8.5000
  NET MTG RATE(INVSTR RATE)             6.3376            5.4700      8.4200
  POST STRIP RATE                       5.9897            5.4700      6.0000
  SUB SERV FEE                           .2578             .2500       .5000
  MSTR SERV FEE                          .0731             .0300        .0800
  ALL EXP                                .0000             .0000       .0000
  MISC EXP                               .0000             .0000       .0000
  SPREAD                                 .0000             .0000       .0000
  STRIP                                  .3479             .0000      2.4200

  TOTAL NUMBER OF LOANS:   670
  TOTAL BALANCE........:     212,569,339.32

                             ***************************
                             *      END OF REPORT      *
                             ***************************
  RUN ON     : 11/21/02           RFC DISCLOSURE SYSTEM       RFFSD177-01
  AT         : 08.48.02          FIXED RATE LOAN LISTING      AMORTIZED BALANCE
  SERIES     : RALI 2002-QS17 NON-CONFORMING                  CUTOFF : 11/01/02
  POOL       : 0004642
             :
             :
  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 #
  ______________________________________________________________________________

    5412524          196/G02             F          122,000.00         ZZ
                                         360        120,863.40          1
                                       8.625            948.91         95
                                       8.375            948.91
    PEARL            MS   39208          1            07/05/01         11
    0433109485                           05           09/01/01         30
    1425792                              N            08/01/31
    0

    6480494          G97/G02             F           47,200.00         ZZ
                                         360         46,824.52          1
                                       8.000            346.34         80
                                       7.750            346.34
    DETROIT          MI   48228          1            11/16/01         00
    0433670478                           05           01/01/02          0
    31660                                N            12/01/31
    0

    7139308          E22/G02             F          228,000.00         ZZ
                                         360        224,697.35          1
                                       8.750          1,793.68         95
                                       8.500          1,793.68
    BROOKLYN         NY   11234          5            12/21/01         01
    0413015256                           05           02/01/02         30
    0413015256                           O            01/01/32
    0

    7686355          286/286             F           42,000.00         ZZ
                                         360         41,788.39          1
                                       7.750            300.90         80
                                       7.500            300.90
    BALTIMORE        MD   21224          1            03/25/02         00
    1080303                              05           05/01/02          0
1

    1080303                              N            04/01/32
    0

    7694165          964/G02             F          120,800.00         ZZ
                                         360        120,253.63          1
                                       7.500            844.65         80
                                       7.250            844.65
    CHANDLER         AZ   85225          1            04/19/02         00
    0433993698                           03           06/01/02          0
    204345                               O            05/01/32
    0

    7705413          E47/G02             F          161,500.00         ZZ
                                         360        160,838.90          2
                                       8.000          1,185.03         95
                                       7.750          1,185.03
    CHICAGO          IL   60637          1            04/30/02         11
    0434062097                           05           06/01/02         30
    7360513650                           O            05/01/32
    0

    7734613          E45/G02             F           72,000.00         ZZ
                                         360         71,643.36          4
                                       8.000            528.31         90
                                       7.750            528.32
    HAMMOND          IN   46320          1            04/26/02         11
    0434096798                           05           06/01/02         25
    230031                               N            05/01/32
    0

    7785939          286/286             F          106,200.00         ZZ
                                         360        105,522.26          4
                                       8.125            788.54         90
                                       7.875            788.54
    ROCKFORD         IL   61104          1            04/30/02         11
    1058447                              05           06/01/02         25
    1058447                              N            05/01/32
    0

    7812283          286/286             F          225,000.00         ZZ
                                         360        224,230.50          4
                                       8.125          1,670.62         90
                                       7.875          1,670.62
    ST LOUIS         MO   63104          1            05/15/02         11
    1286271                              05           07/01/02         25
    1286271                              N            06/01/32
    0

1

    7812849          286/286             F          122,800.00         ZZ
                                         360        122,371.84          1
                                       7.875            890.39         80
                                       7.625            890.39
    SURPRISE         AZ   85379          1            05/12/02         14
    788108                               03           07/01/02         25
    788108                               N            06/01/32
    0

    7814843          286/286             F          110,600.00         ZZ
                                         360        110,204.59          1
                                       7.750            792.36         70
                                       7.500            792.36
    DETROIT          MI   48223          5            05/09/02         00
    1275168                              05           07/01/02          0
    1275168                              N            06/01/32
    0

    7821095          E84/G02             F          441,000.00         ZZ
                                         360        439,171.39          1
                                       7.000          2,933.98         78
                                       6.750          2,933.98
    ROCKVILLE CENTR  NY   11570          5            05/08/02         00
    0434224614                           05           07/01/02          0
    15404890                             O            06/01/32
    0

    7857731          E82/G02             F          364,600.00         ZZ
                                         360        363,698.19          1
                                       7.000          2,425.69         76
                                       6.750          2,425.69
    SAN JOSE         CA   95139          2            07/09/02         00
    0400640686                           05           09/01/02          0
    3895776                              O            08/01/32
    0

    7883897          313/G02             F          169,100.00         ZZ
                                         360        168,383.81          3
                                       7.625          1,196.88         95
                                       7.375          1,196.88
    CHICAGO          IL   60624          1            06/19/02         11
    0434337762                           05           08/01/02         30
    8786972                              O            07/01/32
    0

    7898069          E22/G02             F           82,100.00         ZZ
                                         360         81,929.39          1
                                       7.875            595.28         74
                                       7.625            595.28
1

    VICTORIA         TX   77902          2            07/31/02         00
    0414541524                           09           09/01/02          0
    0414541524                           N            08/01/32
    0

    7905751          X67/G02             F          205,200.00         ZZ
                                         360        204,739.26          3
                                       7.500          1,434.79         95
                                       7.250          1,434.79
    CHICAGO          IL   60623          1            07/16/02         10
    0434395125                           05           09/01/02         30
    00267850                             O            08/01/32
    0

    7910905          X64/G02             F           48,000.00         ZZ
                                         360         47,932.02          1
                                       7.750            343.88         80
                                       7.500            343.88
    DETROIT          MI   48235          1            07/24/02         00
    0434464475                           05           10/01/02          0
    1609877                              N            09/01/32
    0

    7924143          E22/G02             F           45,000.00         ZZ
                                         360         44,936.27          1
                                       7.750            322.39         75
                                       7.500            322.39
    DETROIT          MI   48228          5            08/07/02         00
    0414388371                           05           10/01/02          0
    0414388371                           N            09/01/32
    0

    7934377          U05/G02             F          356,000.00         ZZ
                                         360        355,385.26          1
                                       6.750          2,309.01         55
                                       6.500          2,309.01
    ASHLAND          OR   97520          2            08/01/02         00
    0434784260                           05           10/01/02          0
    3249952                              O            09/01/32
    0

    7936735          286/286             F           55,920.00         ZZ
                                         360         55,752.40          1
                                       7.500            391.01         80
                                       7.250            391.01
    CHICAGO HEIGHTS  IL   60411          1            06/27/02         00
    1372315                              05           08/01/02          0
    1372315                              N            07/01/32
    0
1

    7936821          286/286             F          400,000.00         ZZ
                                         360        398,576.60          1
                                       6.625          2,561.25         60
                                       6.375          2,561.25
    ALEXANDRIA       VA   22314          1            06/27/02         00
    1290725                              03           08/01/02          0
    1290725                              N            07/01/32
    0

    7936869          286/286             F          202,500.00         ZZ
                                         360        201,787.91          4
                                       7.500          1,415.91         90
                                       7.250          1,415.91
    ELGIN            IL   60120          1            06/26/02         12
    1346636                              05           08/01/02         25
    1346636                              O            07/01/32
    0

    7937079          286/286             F           59,500.00         ZZ
                                         360         59,338.66          2
                                       8.000            436.59         85
                                       7.750            436.59
    DETROIT          MI   48238          1            06/26/02         21
    1350565                              05           08/01/02         20
    1350565                              N            07/01/32
    0

    7937175          286/286             F           92,000.00         ZZ
                                         360         91,803.95          1
                                       7.750            659.10         80
                                       7.500            659.10
    LAS VEGAS        NV   89106          1            07/03/02         00
    803802                               05           09/01/02          0
    803802                               N            08/01/32
    0

    7937177          286/286             F           92,000.00         ZZ
                                         360         91,737.75          1
                                       7.750            659.10         80
                                       7.500            659.10
    LAS VEGAS        NV   89106          1            06/28/02         00
    803805                               05           08/01/02          0
    803805                               N            07/01/32
    0

    7940111          E22/G02             F          145,300.00         ZZ
                                         360        145,094.23          1
1

                                       7.750          1,040.95         85
                                       7.500          1,040.95
    TAMPA            FL   33603          5            08/06/02         04
    0414566125                           05           10/01/02         12
    0414566125                           O            09/01/32
    0

    7947509          E22/G02             F          142,000.00         ZZ
                                         360        141,788.58          1
                                       7.500            992.88         77
                                       7.250            992.88
    SUNNYSIDE        WA   98944          2            08/06/02         00
    0414471755                           05           10/01/02          0
    0414471755                           N            09/01/32
    0

    7949795          E23/G02             F          355,000.00         ZZ
                                         360        354,371.87          1
                                       6.625          2,273.10         79
                                       6.375          2,273.10
    SAN RAMON        CA   94583          1            08/06/02         00
    0434417986                           05           10/01/02          0
    61006478                             O            09/01/32
    0

    7952195          J95/G02             F           71,900.00         ZZ
                                         360         71,713.33          3
                                       7.750            515.10         90
                                       7.500            515.10
    WINCHESTER       NH   03441          1            07/15/02         04
    0434479853                           05           09/01/02         25
    0029534914                           N            08/01/32
    0

    7957743          N67/G02             F          128,000.00         ZZ
                                         360        127,747.10          1
                                       8.125            950.40         80
                                       7.875            950.40
    SILVER SPRING    MD   20902          1            07/15/02         00
    0434423703                           05           09/01/02          0
    3274002978A                          N            08/01/32
    0

    7959211          286/286             F           67,500.00         ZZ
                                         360         67,316.98          2
                                       8.000            495.30         90
                                       7.750            495.30
    BREMERTON        WA   98310          1            06/06/02         12
    1307000                              05           08/01/02         25
1

    1307000                              N            07/01/32
    0

    7959345          286/286             F           35,000.00         ZZ
                                         360         34,883.92          1
                                       8.125            259.87         90
                                       7.875            259.87
    DETROIT          MI   48219          1            05/16/02         10
    1310615                              05           07/01/02         25
    1310615                              N            06/01/32
    0

    7959741          286/286             F           36,400.00         ZZ
                                         360         36,298.80          1
                                       7.875            263.93         70
                                       7.625            263.93
    DETROIT          MI   48203          5            06/17/02         00
    1340230                              05           08/01/02          0
    1340230                              N            07/01/32
    0

    7960047          286/286             F          100,800.00         ZZ
                                         360        100,385.54          1
                                       7.875            730.87         90
                                       7.625            730.87
    MEMPHIS          TN   38111          1            06/28/02         10
    1349994                              05           08/01/02         25
    1349994                              N            07/01/32
    0

    7960179          286/286             F           89,990.00         ZZ
                                         360         89,720.29          1
                                       7.500            629.22         90
                                       7.250            629.22
    LAS VEGAS        NV   89110          1            06/20/02         11
    806792                               05           08/01/02         25
    806792                               N            07/01/32
    0

    7960221          286/286             F          141,300.00         ZZ
                                         360        140,864.06          1
                                       7.750          1,012.29         79
                                       7.500          1,012.29
    BALTIMORE        MD   21224          5            07/02/02         00
    811992                               05           08/01/02          0
    811992                               N            07/01/32
    0

1

    7962201          N67/G02             F          368,000.00         ZZ
                                         360        367,215.76          1
                                       7.750          2,636.40         80
                                       7.500          2,636.40
    SARATOGA SPRING  UT   84043          1            07/26/02         00
    0434437091                           03           09/01/02          0
    1782001833A                          O            08/01/32
    0

    7962205          N67/G02             F          316,000.00         ZZ
                                         360        315,218.37          1
                                       7.000          2,102.36         80
                                       6.750          2,102.36
    LAS VEGAS        NV   89118          2            07/26/02         00
    0434437133                           03           09/01/02          0
    1782001842A                          O            08/01/32
    0

    7962507          N67/G02             F           42,400.00         ZZ
                                         360         42,318.32          1
                                       8.250            318.54         80
                                       8.000            318.54
    WINTER HAVEN     FL   33880          1            07/31/02         00
    0434440194                           05           09/01/02          0
    3254001376A                          O            08/01/32
    0

    7963895          286/286             F          162,000.00         ZZ
                                         360        161,526.50          1
                                       7.625          1,146.63         90
                                       7.375          1,146.63
    MESA             AZ   85207          1            06/27/02         21
    1375251                              03           08/01/02         25
    1375251                              O            07/01/32
    0

    7964705          286/286             F           49,600.00         ZZ
                                         360         49,465.53          1
                                       8.000            363.95         80
                                       7.750            363.95
    NORTH CHICAGO    IL   60064          1            06/10/02         00
    1330341                              05           08/01/02          0
    1330341                              N            07/01/32
    0

    7964707          286/286             F           52,000.00         ZZ
                                         360         51,859.02          1
                                       8.000            381.56         80
                                       7.750            381.56
1

    NORTH CHICAGO    IL   60064          1            06/10/02         00
    1330369                              05           08/01/02          0
    1330369                              N            07/01/32
    0

    7964711          286/286             F           67,500.00         ZZ
                                         360         67,352.51          1
                                       7.625            477.76         90
                                       7.375            477.76
    MIAMI            FL   33055          1            07/09/02         10
    1401073                              05           09/01/02         25
    1401073                              N            08/01/32
    0

    7964741          286/286             F           45,600.00         ZZ
                                         360         45,476.37          1
                                       8.000            334.60         80
                                       7.750            334.60
    ST LOUIS         MO   63120          1            06/07/02         00
    1320823                              05           08/01/02          0
    1320823                              N            07/01/32
    0

    7964755          286/286             F          125,010.00         ZZ
                                         360        124,440.35          4
                                       8.250            939.16         90
                                       8.000            939.16
    ST LOUIS         MO   63104          1            04/02/02         11
    1070292                              05           05/01/02         25
    1070292                              N            04/01/32
    0

    7964771          286/286             F           54,400.00         ZZ
                                         360         54,244.92          1
                                       7.750            389.73         80
                                       7.500            389.73
    DAYTON           OH   45403          1            06/21/02         00
    1320335                              05           08/01/02          0
    1320335                              N            07/01/32
    0

    7964785          286/286             F           50,400.00         ZZ
                                         360         50,259.86          1
                                       7.875            365.44         80
                                       7.625            365.44
    ST LOUIS         MO   63112          5            06/25/02         00
    1074305                              05           08/01/02          0
    1074305                              N            07/01/32
    0
1

    7964803          286/286             F           94,500.00         ZZ
                                         360         94,186.70          2
                                       8.125            701.66         79
                                       7.875            701.66
    MIAMI            FL   33172          5            05/13/02         00
    1288332                              05           07/01/02          0
    1288332                              N            06/01/32
    0

    7964819          286/286             F           50,000.00         ZZ
                                         360         49,857.46          1
                                       7.750            358.21         59
                                       7.500            358.21
    COLUMBUS         OH   43228          5            06/21/02         00
    1303386                              05           08/01/02          0
    1303386                              N            07/01/32
    0

    7964821          286/286             F           46,750.00         ZZ
                                         360         46,609.86          1
                                       7.500            326.89         85
                                       7.250            326.89
    BORO OF COLLING  PA   19023          5            06/24/02         19
    1396222                              05           08/01/02         17
    1396222                              N            07/01/32
    0

    7964825          286/286             F           76,410.00         ZZ
                                         360         75,900.86          1
                                       8.000            560.67         90
                                       7.750            560.67
    CALUMET CITY     IL   60409          1            06/20/02         19
    1329168                              05           08/01/02         25
    1329168                              N            07/01/32
    0

    7964853          286/286             F           94,400.00         ZZ
                                         360         94,117.12          1
                                       7.500            660.06         80
                                       7.250            660.06
    TEMPLE HILLS     MD   20748          5            06/20/02         00
    1336796                              09           08/01/02          0
    1336796                              N            07/01/32
    0

    7965695          883/G02             F           44,000.00         ZZ
                                         360         43,934.50          1
1

                                       7.500            307.65         80
                                       7.250            307.65
    BALTIMORE        MD   21224          1            08/13/02         00
    0434467197                           07           10/01/02          0
    05017994                             N            09/01/32
    0

    7965999          X31/G02             F          396,000.00         ZZ
                                         360        395,348.91          1
                                       7.000          2,634.60         80
                                       6.750          2,634.60
    WALNUT AREA      CA   91789          1            08/07/02         00
    0434616256                           05           10/01/02          0
    24000388                             O            09/01/32
    0

    7967161          E22/G02             F          151,200.00         ZZ
                                         360        150,991.22          1
                                       7.875          1,096.30         90
                                       7.625          1,096.30
    DETROIT          MI   48235          2            08/15/02         04
    0414406579                           05           10/01/02         25
    0414406579                           O            09/01/32
    0

    7976699          U05/G02             F          508,000.00         ZZ
                                         360        506,863.00          1
                                       7.000          3,379.74         80
                                       6.750          3,379.74
    DALLAS           TX   75287          5            08/06/02         00
    0434783239                           03           10/01/02          0
    3249187                              O            09/01/32
    0

    7984625          U05/G02             F          342,000.00         ZZ
                                         360        341,437.70          1
                                       7.000          2,275.33         49
                                       6.750          2,275.33
    FORT WORTH       TX   76107          5            08/07/02         00
    0434808721                           05           10/01/02          0
    3244417                              O            09/01/32
    0

    7991815          U05/G02             F           31,500.00         ZZ
                                         360         31,454.25          1
                                       7.625            222.96         90
                                       7.375            222.96
    PITTSBURGH       PA   15216          1            08/16/02         04
    0434869475                           05           10/01/02         25
1

    3248622                              N            09/01/32
    0

    8000359          X66/G02             F          317,900.00         ZZ
                                         360        317,351.04          1
                                       6.750          2,061.90         60
                                       6.500          2,061.90
    LEXINGTON        MA   02420          1            08/28/02         00
    0434818662                           01           10/01/02          0
    89089001                             O            09/01/32
    0

    8001331          E22/G02             F          135,000.00         ZZ
                                         360        134,808.82          1
                                       7.750            967.16         90
                                       7.500            967.16
    NORTHFIELD       NJ   08225          2            08/28/02         01
    0414747949                           05           10/01/02         30
    0414747949                           O            09/01/32
    0

    8009403          E22/G02             F           56,700.00         ZZ
                                         360         56,617.54          2
                                       7.875            411.11         90
                                       7.625            411.11
    CLEVELAND        OH   44104          1            09/05/02         11
    0414494468                           05           10/01/02         25
    0414494468                           N            09/01/32
    0

    8010975          313/G02             F          417,000.00         ZZ
                                         360        416,632.09          1
                                       6.625          2,670.10         80
                                       6.375          2,670.10
    WRENTHAM         MA   02093          2            08/28/02         00
    0434560694                           05           11/01/02          0
    8863656                              O            10/01/32
    0

    8011823          Q57/G02             F           63,200.00         ZZ
                                         360         63,110.51          1
                                       7.750            452.77         80
                                       7.500            452.77
    LAS VEGAS        NV   89117          1            08/21/02         00
    0434619284                           01           10/01/02          0
    38500758                             N            09/01/32
    0

1

    8013835          E22/G02             F          166,500.00         ZZ
                                         360        166,382.48          1
                                       7.750          1,192.83         90
                                       7.500          1,192.83
    BOSTON           MA   02127          1            09/06/02         01
    0414787705                           08           11/01/02         25
    0414787705                           O            10/01/32
    0

    8016893          E60/G02             F          600,000.00         ZZ
                                         360        598,963.91          1
                                       6.750          3,891.59         75
                                       6.500          3,891.59
    SAN LUIS OBISPO  CA   93401          5            08/20/02         00
    0434584322                           05           10/01/02          0
    514617                               O            09/01/32
    0

    8017833          E22/G02             F          316,500.00         T
                                         360        316,213.88          1
                                       6.500          2,000.50         80
                                       6.250          2,000.50
    LACEY TOWNSHIP   NJ   08731          1            09/09/02         00
    0414472357                           05           11/01/02          0
    0414472357                           O            10/01/32
    0

    8019611          E47/G02             F           72,000.00         ZZ
                                         360         71,892.81          1
                                       7.500            503.43         90
                                       7.250            503.43
    DETROIT          MI   48228          5            08/22/02         11
    0434613345                           05           10/01/02         30
    7360514019                           O            09/01/32
    0

    8021939          N67/G02             F          114,400.00         ZZ
                                         360        114,162.25          1
                                       7.875            829.48         80
                                       7.625            829.48
    BRADFORD         NH   03221          1            07/29/02         00
    0434554093                           05           09/01/02          0
    3275002783                           O            08/01/32
    0

    8022255          W39/G02             F          384,000.00         ZZ
                                         360        383,442.37          1
                                       7.625          2,717.93         75
                                       7.375          2,717.93
1

    AUSTIN           TX   78751          2            08/30/02         00
    0434627246                           05           10/01/02          0
    121613                               N            09/01/32
    0

    8025815          U05/G02             F          384,000.00         ZZ
                                         360        383,352.93          1
                                       6.875          2,522.61         80
                                       6.625          2,522.61
    AUSTIN           TX   78738          5            08/19/02         00
    0434793014                           03           10/01/02          0
    3253261                              O            09/01/32
    0

    8029895          E22/G02             F           59,800.00         ZZ
                                         360         59,756.72          1
                                       7.625            423.26         76
                                       7.375            423.26
    GATE CITY        VA   24251          5            09/06/02         00
    0414218446                           05           11/01/02          0
    0414218446                           N            10/01/32
    0

    8031579          950/G02             F          132,000.00         ZZ
                                         360        131,607.24          1
                                       7.500            922.96         75
                                       7.250            922.96
    PORTLAND         OR   97229          1            07/22/02         00
    0434610218                           05           09/01/02          0
    YC207001                             N            08/01/32
    0

    8034261          601/G02             F          138,600.00         ZZ
                                         360        138,393.62          1
                                       7.500            969.12         90
                                       7.250            969.12
    CRANDALL         TX   75114          1            08/09/02         04
    0434581971                           05           10/01/02         25
    61560496                             O            09/01/32
    0

    8034331          601/G02             F          190,000.00         ZZ
                                         360        189,737.62          1
                                       7.875          1,377.64         95
                                       7.625          1,377.64
    DUNEDIN          FL   34698          1            08/05/02         11
    0434596219                           05           10/01/02         30
    6172006                              O            09/01/32
    0
1

    8034973          E45/G02             F           25,500.00         T
                                         360         25,464.79          1
                                       7.875            184.89         75
                                       7.625            184.89
    DAYTONA BEACH    FL   32118          1            08/20/02         00
    0434593356                           21           10/01/02          0
    261336                               O            09/01/32
    0

    8035705          601/G02             F           55,000.00         ZZ
                                         360         54,882.79          1
                                       7.750            394.03         69
                                       7.500            394.03
    EAST PROVIDENCE  RI   02914          1            08/01/02         00
    0434599684                           05           09/01/02          0
    61519237                             O            08/01/32
    0

    8039537          601/G02             F           52,400.00         ZZ
                                         360         52,321.98          1
                                       7.500            366.39         80
                                       7.250            366.39
    PALM BAY         FL   32909          1            08/23/02         00
    0434602793                           05           10/01/02          0
    618013601                            O            09/01/32
    0

    8040643          E22/G02             F           40,000.00         ZZ
                                         360         39,971.77          1
                                       7.750            286.56         80
                                       7.500            286.56
    DALLAS           TX   75231          1            09/16/02         00
    0414954784                           01           11/01/02          0
    0414954784                           O            10/01/32
    0

    8042011          601/G02             F           76,950.00         ZZ
                                         360         76,630.75          2
                                       7.500            538.05         90
                                       7.250            538.05
    WAUKEGAN         IL   60085          1            08/27/02         10
    0434598199                           05           10/01/02         30
    61707386                             O            09/01/32
    0

    8042345          601/G02             F           55,200.00         ZZ
                                         360         55,123.77          1
1

                                       7.875            400.24         80
                                       7.625            400.24
    TAMPA            FL   33612          1            08/01/02         00
    0434585493                           05           10/01/02          0
    61648283                             N            09/01/32
    0

    8042619          601/G02             F          220,320.00         ZZ
                                         360        219,850.48          4
                                       7.750          1,578.40         90
                                       7.500          1,578.40
    JERSEY CITY      NJ   07305          1            08/02/02         11
    0434593885                           05           09/01/02         25
    6170623                              N            08/01/32
    0

    8043189          601/G02             F           63,600.00         ZZ
                                         360         63,509.93          1
                                       7.750            455.64         78
                                       7.500            455.64
    BIRMINGHAM       AL   35235          2            08/13/02         00
    0434607123                           05           10/01/02          0
    61678660                             N            09/01/32
    0

    8044793          E22/G02             F          166,500.00         ZZ
                                         360        166,376.44          1
                                       7.500          1,164.19         90
                                       7.250          1,164.19
    CENTRAL ISLIP    NY   11722          1            09/17/02         04
    0414840843                           05           11/01/02         25
    0414840843                           N            10/01/32
    0

    8044869          E22/G02             F          255,550.00         ZZ
                                         360        255,369.64          1
                                       7.750          1,830.79         95
                                       7.500          1,830.79
    WEST BABYLON     NY   11704          1            09/17/02         04
    0414962100                           05           11/01/02         30
    0414962100                           O            10/01/32
    0

    8046731          E45/G02             F           35,250.00         ZZ
                                         360         35,159.16          1
                                       8.250            264.82         72
                                       8.000            264.82
    BEVERLY HILLS    FL   34465          5            07/09/02         00
    0434616819                           05           08/01/02          0
1

    237387                               N            07/01/32
    0

    8048107          E22/G02             F           45,000.00         ZZ
                                         360         44,969.03          1
                                       7.875            326.28         75
                                       7.625            326.28
    SANFORD          FL   32773          5            09/18/02         00
    0414762450                           05           11/01/02          0
    0414762450                           N            10/01/32
    0

    8048233          E22/G02             F          387,900.00         ZZ
                                         360        387,574.11          1
                                       6.875          2,548.23         76
                                       6.625          2,548.23
    SAN JOSE         CA   95128          5            09/12/02         00
    0414895136                           05           11/01/02          0
    0414895136                           O            10/01/32
    0

    8048261          E22/G02             F          126,000.00         ZZ
                                         360        125,906.49          1
                                       7.500            881.01         90
                                       7.250            881.01
    TINTON FALLS     NJ   07724          1            09/18/02         01
    0414935767                           05           11/01/02         25
    0414935767                           O            10/01/32
    0

    8049599          737/G02             F           46,800.00         ZZ
                                         360         46,733.73          2
                                       7.750            335.28         90
                                       7.500            335.28
    MIDLAND          TX   79705          1            09/09/02         01
    0434615852                           05           10/01/02         25
    2078510                              N            09/01/32
    0

    8050819          E45/G02             F          393,000.00         ZZ
                                         360        392,287.52          1
                                       6.500          2,484.03         66
                                       6.250          2,484.03
    RIVERSIDE        CA   92504          5            08/22/02         00
    0434638706                           05           10/01/02          0
    268220                               O            09/01/32
    0

1

    8050933          E45/G02             F          193,500.00         ZZ
                                         360        193,219.01          2
                                       7.625          1,369.58         90
                                       7.375          1,369.58
    TAMPA            FL   33629          1            09/04/02         11
    0434644837                           05           10/01/02         25
    274399                               O            09/01/32
    0

    8051155          E22/G02             F           64,800.00         ZZ
                                         360         64,755.41          2
                                       7.875            469.84         90
                                       7.625            469.84
    MEMPHIS          TN   38108          1            09/18/02         10
    0414717348                           05           11/01/02         25
    0414717348                           N            10/01/32
    0

    8052751          W39/G02             F          131,400.00         ZZ
                                         360        131,307.25          4
                                       7.750            941.37         90
                                       7.500            941.37
    IRVING           TX   75060          1            09/20/02         01
    0434667028                           05           11/01/02         25
    PN122252                             N            10/01/32
    0

    8057109          E22/G02             F          100,000.00         ZZ
                                         360         99,931.18          1
                                       7.875            725.07         54
                                       7.625            725.07
    DALLAS           TX   75287          5            09/18/02         00
    0414651018                           05           11/01/02          0
    0414651018                           O            10/01/32
    0

    8057211          E22/G02             F          334,400.00         ZZ
                                         360        334,082.71          1
                                       6.250          2,058.96         77
                                       6.000          2,058.96
    LA(WEST HILLS)   CA   91307          5            09/13/02         00
    0414819656                           05           11/01/02          0
    0414819656                           O            10/01/32
    0

    8057321          E22/G02             F          180,000.00         ZZ
                                         360        179,876.13          1
                                       7.875          1,305.12         95
                                       7.625          1,305.12
1

    NEW CARROLLTON   MD   20784          5            09/18/02         01
    0414899062                           05           11/01/02         30
    0414899062                           O            10/01/32
    0

    8058567          U36/G02             F          360,000.00         ZZ
                                         360        359,666.57          1
                                       6.375          2,245.93         90
                                       6.125          2,245.93
    FAIRBURN         GA   30213          1            09/09/02         12
    0434639050                           05           11/01/02         25
    008901002                            O            10/01/32
    0

    8058931          601/G02             F          337,500.00         ZZ
                                         360        337,216.46          1
                                       6.875          2,217.13         75
                                       6.625          2,217.13
    SCANDIA          MN   55073          2            09/06/02         00
    0434621975                           05           11/01/02          0
    1907766                              O            10/01/32
    0

    8059457          E22/G02             F          382,000.00         ZZ
                                         360        381,662.97          1
                                       6.625          2,445.99         84
                                       6.375          2,445.99
    SOUTH RIDING     VA   20152          5            09/19/02         10
    0414686584                           03           11/01/02         12
    0414686584                           O            10/01/32
    0

    8060857          M27/G02             F           47,700.00         ZZ
                                         360         47,665.47          1
                                       7.625            337.62         90
                                       7.375            337.62
    LAURENS          SC   29360          1            09/16/02         01
    0434650198                           05           11/01/02         25
    600813327                            O            10/01/32
    0

    8061143          W17/G02             F          125,100.00         ZZ
                                         360        125,011.71          1
                                       7.750            896.23         90
                                       7.500            896.23
    MIAMI            FL   33184          1            09/24/02         01
    0434664777                           01           11/01/02         25
    020201                               O            10/01/32
    0
1

    8061255          642/G02             F           77,818.00         ZZ
                                         360         77,763.07          1
                                       7.750            557.50         68
                                       7.500            557.50
    CHICAGO          IL   60617          5            09/20/02         00
    0434641387                           05           11/01/02          0
    07213902                             N            10/01/32
    0

    8062767          E22/G02             F           90,000.00         ZZ
                                         360         89,938.07          1
                                       7.875            652.56         79
                                       7.625            652.56
    DOLTON           IL   60419          2            09/25/02         00
    0414958504                           05           11/01/02          0
    0414958504                           N            10/01/32
    0

    8062875          E22/G02             F          320,000.00         ZZ
                                         360        319,724.49          1
                                       6.750          2,075.51         80
                                       6.500          2,075.51
    HOUSTON          TX   77019          5            09/16/02         00
    0414770867                           07           11/01/02          0
    0414770867                           O            10/01/32
    0

    8062951          E22/G02             F           85,500.00         ZZ
                                         360         85,441.16          1
                                       7.875            619.93         95
                                       7.625            619.93
    PORTLAND         TN   37148          5            09/19/02         01
    0414854133                           05           11/01/02         30
    0414854133                           O            10/01/32
    0

    8065169          E82/G02             F          390,000.00         ZZ
                                         360        389,710.56          3
                                       7.500          2,726.94         92
                                       7.250          2,726.94
    BRONX            NY   10466          2            09/25/02         04
    0400668240                           05           11/01/02         30
    4975449                              O            10/01/32
    0

    8065571          W93/G02             F          359,246.00         ZZ
                                         360        358,886.13          1
1

                                       6.750          2,330.07         80
                                       6.500          2,330.07
    ARVADA           CO   80005          1            09/20/02         00
    0434695706                           03           11/01/02          0
    78367842                             O            10/01/32
    0

    8066683          E22/G02             F          650,000.00         ZZ
                                         360        649,412.39          1
                                       6.500          4,108.44         75
                                       6.250          4,108.44
    RESCUE           CA   95762          5            09/20/02         00
    0414905539                           05           11/01/02          0
    0414905539                           O            10/01/32
    0

    8067105          W93/G02             F          505,500.00         ZZ
                                         360        505,054.01          1
                                       6.625          3,236.77         72
                                       6.375          3,236.77
    SAN JOSE         CA   95128          5            09/12/02         00
    0434691515                           05           11/01/02          0
    20407472                             O            10/01/32
    0

    8069091          E22/G02             F           96,425.00         ZZ
                                         360         96,358.64          1
                                       7.875            699.15         95
                                       7.625            699.15
    MIAMI            FL   33183          1            09/27/02         04
    0414736652                           08           11/01/02         30
    0414736652                           O            10/01/32
    0

    8069261          E22/G02             F           54,000.00         ZZ
                                         360         53,960.92          1
                                       7.625            382.21         90
                                       7.375            382.21
    MURPHYSBORO      IL   62966          1            09/27/02         04
    0414961102                           05           11/01/02         25
    0414961102                           O            10/01/32
    0

    8070253          944/G02             F          337,600.00         ZZ
                                         360        337,287.31          1
                                       6.375          2,106.19         80
                                       6.125          2,106.19
    LOS ANGELES      CA   90065          2            09/18/02         00
    0434649968                           05           11/01/02          0
1

    W02025704                            O            10/01/32
    0

    8070263          G51/G02             F          459,000.00         ZZ
                                         360        458,585.06          1
                                       6.500          2,901.19         77
                                       6.250          2,901.19
    LITTLETON        CO   80123          5            09/23/02         00
    0434746301                           03           11/01/02          0
    20000590                             O            10/01/32
    0

    8072907          E22/G02             F          473,000.00         ZZ
                                         360        472,551.20          1
                                       6.250          2,912.34         56
                                       6.000          2,912.34
    SEAL BEACH       CA   90740          5            09/24/02         00
    0414846659                           05           11/01/02          0
    0414846659                           O            10/01/32
    0

    8073023          E22/G02             F          120,750.00         ZZ
                                         360        120,660.39          1
                                       7.500            844.30         90
                                       7.250            844.30
    GREENWOOD        SC   29646          2            09/30/02         01
    0414884890                           05           11/01/02         30
    0414884890                           O            10/01/32
    0

    8073377          E22/G02             F           61,650.00         ZZ
                                         360         61,606.49          1
                                       7.750            441.67         90
                                       7.500            441.67
    NORTH PORT       FL   34287          1            09/30/02         01
    0414979054                           05           11/01/02         30
    0414979054                           O            10/01/32
    0

    8073519          E22/G02             F          163,400.00         ZZ
                                         360        163,278.73          3
                                       7.500          1,142.52         95
                                       7.250          1,142.52
    PROVIDENCE       RI   02906          1            09/30/02         01
    0415054253                           05           11/01/02         30
    0415054253                           O            10/01/32
    0

1

    8073527          E22/G02             F           59,960.00         ZZ
                                         360         59,915.50          1
                                       7.500            419.25         80
                                       7.250            419.25
    FORT WAYNE       IN   46815          1            09/30/02         00
    0415067347                           05           11/01/02          0
    0415067347                           N            10/01/32
    0

    8073863          Q49/G02             F           54,000.00         ZZ
                                         360         54,000.00          2
                                       7.500            377.58         90
                                       7.250            377.58
    ROME             NY   13440          1            10/15/02         04
    0434785580                           05           12/01/02         25
    41414702                             N            11/01/32
    0

    8073905          B57/G02             F          455,000.00         ZZ
                                         360        454,588.67          1
                                       6.500          2,875.91         80
                                       6.250          2,875.91
    GOLETA           CA   93117          1            09/20/02         00
    0434663696                           05           11/01/02          0
    10005947                             O            10/01/32
    0

    8076225          956/G02             F          613,000.00         ZZ
                                         360        611,861.47          1
                                       6.375          3,824.32         72
                                       6.125          3,824.32
    PETALUMA         CA   94954          2            08/23/02         00
    0434695375                           05           10/01/02          0
    812080036                            O            09/01/32
    0

    8076355          956/G02             F          567,500.00         ZZ
                                         360        566,445.97          1
                                       6.375          3,540.46         74
                                       6.125          3,540.46
    ANAHEIM          CA   92808          2            08/15/02         00
    0434681011                           03           10/01/02          0
    1112080067                           O            09/01/32
    0

    8076369          956/G02             F          520,000.00         ZZ
                                         360        518,547.45          1
                                       6.375          3,244.12         75
                                       6.125          3,244.12
1

    CAVE CREEK       AZ   85331          2            08/16/02         00
    0434680898                           05           10/01/02          0
    1112080373                           O            09/01/32
    0

    8076439          956/G02             F          511,000.00         ZZ
                                         360        510,526.71          1
                                       6.375          3,187.98         70
                                       6.125          3,187.98
    BEND             OR   97701          5            09/10/02         00
    0434688032                           05           11/01/02          0
    1712080117                           O            10/01/32
    0

    8076441          956/G02             F          399,000.00         ZZ
                                         360        398,258.93          1
                                       6.375          2,489.24         80
                                       6.125          2,489.24
    BOUNTIFUL        UT   84010          2            08/28/02         00
    0434694311                           05           10/01/02          0
    2212080199                           O            09/01/32
    0

    8076507          956/G02             F          532,000.00         ZZ
                                         360        531,507.26          1
                                       6.375          3,318.99         80
                                       6.125          3,318.99
    LA QUINTA        CA   92253          1            09/01/02         00
    0434677951                           03           11/01/02          0
    2912080109                           O            10/01/32
    0

    8076509          956/G02             F          650,000.00         ZZ
                                         360        649,426.52          1
                                       6.625          4,162.02         72
                                       6.375          4,162.02
    CANYON COUNTRY   CA   91351          1            09/05/02         00
    0434688578                           05           11/01/02          0
    2912080142                           O            10/01/32
    0

    8076549          956/G02             F          537,000.00         ZZ
                                         360        534,997.31          1
                                       6.375          3,350.18         76
                                       6.125          3,350.18
    WALNUT CREEK     CA   94598          2            08/27/02         00
    0434694550                           05           10/01/02          0
    312080195                            O            09/01/32
    0
1

    8076557          956/G02             F          461,000.00         ZZ
                                         360        460,583.25          1
                                       6.500          2,913.83         68
                                       6.250          2,913.83
    SEDALIA          CO   80135          5            09/11/02         00
    0434678579                           05           11/01/02          0
    3612080044                           O            10/01/32
    0

    8076567          956/G02             F          376,500.00         ZZ
                                         360        375,849.86          1
                                       6.750          2,441.97         73
                                       6.500          2,441.97
    NEWTOWN          PA   18940          2            08/29/02         00
    0434685384                           05           10/01/02          0
    3812080091                           O            09/01/32
    0

    8076711          B98/G02             F          350,000.00         ZZ
                                         360        349,683.59          1
                                       6.500          2,212.24         78
                                       6.250          2,212.24
    FREMONT          CA   94536          5            09/18/02         00
    0434694337                           09           11/01/02          0
    B209047VP                            O            10/01/32
    0

    8076717          X10/G02             F          470,000.00         ZZ
                                         360        469,624.15          1
                                       7.125          3,166.48         40
                                       6.875          3,166.48
    HOUSTON          TX   77024          5            09/13/02         00
    0434698510                           05           11/01/02          0
    50001808                             O            10/01/32
    0

    8076759          356/356             F          360,190.00         ZZ
                                         360        359,864.38          1
                                       6.500          2,276.65         33
                                       6.250          2,276.65
    HALF MOON BAY    CA   94019          2            09/10/02         00
    28924744                             03           11/01/02          0
    28924744                             O            10/01/32
    0

    8077213          M18/G02             F          320,000.00         ZZ
                                         360        320,000.00          1
1

                                       6.375          1,996.38         80
                                       6.125          1,996.38
    PLACENTIA        CA   92870          5            09/19/02         00
    0434673174                           05           12/01/02          0
    980102058                            O            11/01/32
    0

    8077215          F25/G02             F          440,000.00         ZZ
                                         360        440,000.00          1
                                       6.375          2,745.03         80
                                       6.125          2,745.03
    SCARSDALE        NY   10583          5            09/27/02         00
    0434692356                           05           12/01/02          0
    0623802                              O            11/01/32
    0

    8079553          964/G02             F          410,000.00         ZZ
                                         360        409,610.98          1
                                       6.250          2,524.44         74
                                       6.000          2,524.44
    ATASCADERO       CA   93422          5            09/24/02         00
    0434845541                           05           11/01/02          0
    253180                               O            10/01/32
    0

    8080293          B60/G02             F          528,500.00         ZZ
                                         360        527,160.33          3
                                       6.875          3,471.87         57
                                       6.625          3,471.87
    SAN FRANCISCO    CA   94114          2            07/18/02         00
    0434689543                           05           09/01/02          0
    416764                               O            08/01/32
    0

    8080357          A06/G02             F          393,750.00         ZZ
                                         360        393,385.31          2
                                       6.375          2,456.49         75
                                       6.125          2,456.49
    CULVER CITY      CA   90232          1            09/30/02         00
    0434689063                           05           11/01/02          0
    001000010201521                      N            10/01/32
    0

    8081393          X19/G02             F          405,000.00         ZZ
                                         360        405,000.00          1
                                       6.750          2,626.82         78
                                       6.500          2,626.82
    PUTNAM VALLEY    NY   10579          2            10/02/02         00
    0434737060                           05           12/01/02          0
1

    22072801                             O            11/01/32
    0

    8081433          225/G02             F          170,000.00         ZZ
                                         360        169,753.14          1
                                       7.625          1,203.25         55
                                       7.375          1,203.25
    MAPLEWOOD        NJ   07040          5            08/06/02         00
    0434653424                           05           10/01/02          0
    006208418                            O            09/01/32
    0

    8081745          225/G02             F          211,500.00         ZZ
                                         360        211,082.13          2
                                       8.125          1,570.38         90
                                       7.875          1,570.38
    BRONX            NY   10460          5            07/22/02         10
    0434654083                           05           09/01/02         25
    007381734                            O            08/01/32
    0

    8082745          E22/G02             F           47,653.00         ZZ
                                         360         47,653.00          1
                                       7.875            345.52         80
                                       7.625            345.52
    DANIA            FL   33004          1            10/03/02         00
    0414853978                           05           12/01/02          0
    0414853978                           N            11/01/32
    0

    8082771          E22/G02             F          130,400.00         ZZ
                                         360        130,305.62          1
                                       7.625            922.96         80
                                       7.375            922.96
    PALMETTO         FL   34221          1            10/03/02         00
    0414939850                           05           11/01/02          0
    0414939850                           N            10/01/32
    0

    8082921          E22/G02             F          108,000.00         ZZ
                                         360        107,919.85          1
                                       7.500            755.15         90
                                       7.250            755.15
    ASHEVILLE        NC   28806          1            10/03/02         01
    0415071711                           05           11/01/02         25
    0415071711                           N            10/01/32
    0

1

    8083019          B57/G02             F          424,000.00         ZZ
                                         360        423,607.29          1
                                       6.375          2,645.21         80
                                       6.125          2,645.21
    SANTA CLARITA    CA   91350          5            09/27/02         00
    0434684221                           05           11/01/02          0
    10005717                             O            10/01/32
    0

    8083029          W39/G02             F          262,500.00         ZZ
                                         360        262,314.73          2
                                       7.750          1,880.58         75
                                       7.500          1,880.58
    AUSTIN           TX   78751          2            09/24/02         00
    0434849295                           05           11/01/02          0
    PNI22021                             N            10/01/32
    0

    8084071          714/G02             F          381,000.00         ZZ
                                         360        381,000.00          1
                                       6.375          2,376.94         79
                                       6.125          2,376.94
    CEDARBURG        WI   53012          2            10/02/02         00
    0434684015                           05           12/01/02          0
    0602585                              O            11/01/32
    0

    8084993          B28/G02             F          394,000.00         ZZ
                                         360        393,643.82          1
                                       6.500          2,490.35         78
                                       6.250          2,490.35
    CONIFER          CO   80433          2            09/25/02         00
    0434771085                           05           11/01/02          0
    01200673                             O            10/01/32
    0

    8085651          E47/G02             F          361,750.00         ZZ
                                         360        361,414.95          1
                                       6.375          2,256.85         80
                                       6.125          2,256.85
    MARRIOTTSVILLE   MD   21104          1            09/26/02         00
    0434795597                           05           11/01/02          0
    7338510896                           O            10/01/32
    0

    8086031          E22/G02             F          137,750.00         ZZ
                                         360        137,655.20          1
                                       7.875            998.78         95
                                       7.625            998.78
1

    GUTHRIE          OK   73044          5            09/30/02         01
    0414813808                           05           11/01/02         30
    0414813808                           O            10/01/32
    0

    8086035          E22/G02             F           81,450.00         ZZ
                                         360         81,393.95          2
                                       7.875            590.57         90
                                       7.625            590.57
    SPARTANBURG      SC   29301          1            10/04/02         04
    0414823104                           05           11/01/02         25
    0414823104                           N            10/01/32
    0

    8086053          E22/G02             F           47,520.00         ZZ
                                         360         47,520.00          1
                                       7.750            340.44         90
                                       7.500            340.44
    INDEPENDENCE     MO   64053          1            10/04/02         01
    0414835116                           05           12/01/02         25
    0414835116                           N            11/01/32
    0

    8086093          E22/G02             F          120,000.00         ZZ
                                         360        120,000.00          1
                                       7.875            870.08         80
                                       7.625            870.08
    RAYMOND          NH   03077          1            10/04/02         00
    0414896613                           05           12/01/02          0
    0414896613                           N            11/01/32
    0

    8086129          E22/G02             F          395,000.00         ZZ
                                         360        394,625.21          1
                                       6.250          2,432.08         71
                                       6.000          2,432.08
    BETHESDA         MD   20814          5            09/30/02         00
    0414950980                           05           11/01/02          0
    0414950980                           O            10/01/32
    0

    8086163          E22/G02             F          191,700.00         ZZ
                                         360        191,700.00          4
                                       7.875          1,389.96         90
                                       7.625          1,389.96
    ELKHART          IN   46514          1            10/04/02         01
    0414971622                           05           12/01/02         25
    0414971622                           N            11/01/32
    0
1

    8086199          E22/G02             F           85,500.00         ZZ
                                         360         85,500.00          1
                                       7.500            597.83         90
                                       7.250            597.83
    PORT SAINT LUCI  FL   34984          1            10/04/02         04
    0415013192                           05           12/01/02         25
    0415013192                           N            11/01/32
    0

    8087101          X27/G02             F          331,500.00         ZZ
                                         360        331,221.50          1
                                       6.875          2,177.72         85
                                       6.625          2,177.72
    VACAVILLE        CA   95688          5            09/18/02         11
    0434704722                           05           11/01/02         12
    20000613                             O            10/01/32
    0

    8087435          K15/G02             F          137,700.00         ZZ
                                         360        137,600.34          1
                                       7.625            974.63         90
                                       7.375            974.63
    NORTH LAS VEGAS  NV   89031          5            09/18/02         41
    0434714358                           05           11/01/02         25
    022005502914                         O            10/01/32
    0

    8087505          E40/G02             F          302,600.00         ZZ
                                         360        302,600.00          1
                                       6.875          1,987.87         25
                                       6.625          1,987.87
    LYNNFIELD        MA   01940          2            10/01/02         00
    0434801965                           05           12/01/02          0
    545000228                            O            11/01/32
    0

    8087605          L49/G02             F          600,000.00         ZZ
                                         360        599,470.63          1
                                       6.625          3,841.87         80
                                       6.375          3,841.87
    SANTA CLARITA    CA   91355          1            09/20/02         00
    0434667713                           03           11/01/02          0
    10011490                             O            10/01/32
    0

    8087647          964/G02             F          333,600.00         ZZ
                                         360        333,305.67          1
1

                                       6.625          2,136.08         78
                                       6.375          2,136.08
    LITTLETON        CO   80127          5            09/19/02         00
    0434730917                           05           11/01/02          0
    229152                               O            10/01/32
    0

    8087737          964/G02             F          650,000.00         ZZ
                                         360        649,397.97          1
                                       6.375          4,055.16         71
                                       6.125          4,055.16
    MULINO           OR   97042          2            09/10/02         00
    0434695532                           05           11/01/02          0
    257002                               O            10/01/32
    0

    8087747          964/G02             F          448,000.00         ZZ
                                         360        447,585.06          1
                                       6.375          2,794.94         80
                                       6.125          2,794.94
    MORRO BAY        CA   93442          5            09/19/02         00
    0434696811                           05           11/01/02          0
    270157                               O            10/01/32
    0

    8087749          964/G02             F          363,000.00         ZZ
                                         360        362,671.84          1
                                       6.500          2,294.41         57
                                       6.250          2,294.41
    LOS ANGELES      CA   90035          2            09/18/02         00
    0434699427                           05           11/01/02          0
    233844                               O            10/01/32
    0

    8087773          964/G02             F          400,000.00         ZZ
                                         360        399,629.52          1
                                       6.375          2,495.48         80
                                       6.125          2,495.48
    PHOENIX          AZ   85048          5            09/18/02         00
    0434732681                           03           11/01/02          0
    268213                               O            10/01/32
    0

    8087843          A52/G02             F          345,950.00         ZZ
                                         240        345,233.95          1
                                       6.375          2,553.91         85
                                       6.125          2,553.91
    ALPHARETTA       GA   30022          5            10/01/02         11
    0434771333                           03           11/01/02         12
1

    21248                                O            10/01/22
    0

    8088073          196/G02             F          369,900.00         ZZ
                                         360        369,557.39          1
                                       6.375          2,307.70         90
                                       6.125          2,307.70
    ROCKVILLE CENTR  NY   11570          1            09/06/02         10
    0434706164                           05           11/01/02         25
    1322178                              O            10/01/32
    0

    8088155          196/G02             F          400,000.00         ZZ
                                         360        399,611.22          1
                                       6.125          2,430.45         64
                                       5.875          2,430.45
    HERNDON          VA   20170          1            09/05/02         00
    0434714911                           05           11/01/02          0
    1327586                              O            10/01/32
    0

    8088163          196/G02             F          450,000.00         ZZ
                                         360        449,593.19          1
                                       6.500          2,844.31         75
                                       6.250          2,844.31
    SETAUKET         NY   11733          5            09/25/02         00
    0434706206                           05           11/01/02          0
    1327947                              O            10/01/32
    0

    8088189          196/G02             F          500,000.00         ZZ
                                         360        499,536.90          2
                                       6.375          3,119.35         77
                                       6.125          3,119.35
    FLUSHING         NY   11355          5            09/20/02         00
    0434710422                           05           11/01/02          0
    1549723                              O            10/01/32
    0

    8088231          196/G02             F          395,000.00         ZZ
                                         360        394,283.89          1
                                       6.500          2,496.67         69
                                       6.250          2,496.67
    LONG BEACH       CA   90803          5            08/27/02         00
    0434707675                           05           10/01/02          0
    1560832                              O            09/01/32
    0

1

    8088275          196/G02             F          378,000.00         ZZ
                                         360        377,314.71          1
                                       6.500          2,389.22         69
                                       6.250          2,389.22
    GAITHERSBURG     MD   20878          2            08/28/02         00
    0434710414                           03           10/01/02          0
    1563611                              O            09/01/32
    0

    8088281          196/G02             F          420,000.00         ZZ
                                         360        419,256.83          1
                                       6.625          2,689.31         80
                                       6.375          2,689.31
    RANCHO CUCAMONG  CA   91737          5            08/30/02         00
    0434709218                           05           10/01/02          0
    1564272                              O            09/01/32
    0

    8088283          196/G02             F          469,000.00         ZZ
                                         360        468,576.02          1
                                       6.500          2,964.40         80
                                       6.250          2,964.40
    BARODA           MI   49101          5            09/05/02         00
    0434706255                           05           11/01/02          0
    1564383                              O            10/01/32
    0

    8088299          196/G02             F          380,000.00         ZZ
                                         360        379,664.73          1
                                       6.625          2,433.19         80
                                       6.375          2,433.19
    WOODWORTH        LA   71485          2            09/18/02         00
    0434706057                           05           11/01/02          0
    1565450                              O            10/01/32
    0

    8088305          196/G02             F          350,000.00         ZZ
                                         360        349,675.83          1
                                       6.375          2,183.55         80
                                       6.125          2,183.55
    TORRANCE         CA   90505          5            09/13/02         00
    0434710299                           05           11/01/02          0
    1565932                              O            10/01/32
    0

    8088309          196/G02             F          392,000.00         ZZ
                                         360        391,654.15          1
                                       6.625          2,510.02         80
                                       6.375          2,510.02
1

    RANCHO SANTA MA  CA   92679          5            09/19/02         00
    0434706941                           03           11/01/02          0
    1566189                              O            10/01/32
    0

    8088341          196/G02             F          387,200.00         ZZ
                                         360        386,849.96          1
                                       6.500          2,447.37         80
                                       6.250          2,447.37
    ROLLING HILLS E  CA   90274          1            09/17/02         00
    0434711016                           03           11/01/02          0
    1568174                              O            10/01/32
    0

    8088393          196/G02             F          562,500.00         ZZ
                                         360        561,455.25          1
                                       6.375          3,509.27         80
                                       6.125          3,509.27
    ANAHEIM          CA   92808          5            08/14/02         00
    0434704730                           05           10/01/02          0
    1560142                              O            09/01/32
    0

    8088897          N74/G02             F          565,000.00         ZZ
                                         360        564,501.51          1
                                       6.625          3,617.76         71
                                       6.375          3,617.76
    FALLS CHURCH     VA   22046          5            09/30/02         00
    0434726154                           05           11/04/02          0
    0030817011                           O            10/04/32
    0

    8089073          E22/G02             F           89,300.00         ZZ
                                         360         89,300.00          1
                                       7.875            647.49         95
                                       7.625            647.49
    FREDERICKTOWN    MO   63645          5            09/27/02         01
    0414547141                           05           12/01/02         30
    0414547141                           O            11/01/32
    0

    8089147          E22/G02             F          360,000.00         ZZ
                                         360        359,674.56          1
                                       6.500          2,275.44         79
                                       6.250          2,275.44
    QUEENSTOWN       MD   21658          5            10/02/02         00
    0414780593                           05           11/01/02          0
    0414780593                           O            10/01/32
    0
1

    8089157          E22/G02             F          350,000.00         ZZ
                                         360        350,000.00          1
                                       6.500          2,212.24         80
                                       6.250          2,212.24
    PLANO            TX   75093          5            10/02/02         00
    0414801662                           03           12/01/02          0
    0414801662                           O            11/01/32
    0

    8089267          E22/G02             F          371,500.00         ZZ
                                         360        371,500.00          1
                                       6.250          2,287.39         80
                                       6.000          2,287.39
    SAN FRANCISCO    CA   94112          1            10/03/02         00
    0414905935                           05           12/01/02          0
    0414905935                           O            11/01/32
    0

    8089303          E22/G02             F          360,000.00         ZZ
                                         360        359,674.56          1
                                       6.500          2,275.44         80
                                       6.250          2,275.44
    SOUTH SALEM      NY   10590          5            10/02/02         00
    0414950360                           05           11/01/02          0
    0414950360                           O            10/01/32
    0

    8089329          E22/G02             F          431,000.00         ZZ
                                         360        431,000.00          1
                                       6.500          2,724.21         80
                                       6.250          2,724.21
    SANTA ROSA       CA   95409          2            10/01/02         00
    0414962803                           05           12/01/02          0
    0414962803                           O            11/01/32
    0

    8089339          E22/G02             F          338,000.00         ZZ
                                         360        338,000.00          1
                                       6.500          2,136.39         68
                                       6.250          2,136.39
    SANTA CLARA      CA   95050          5            09/30/02         00
    0414971713                           05           12/01/02          0
    0414971713                           O            11/01/32
    0

    8089379          E22/G02             F          147,250.00         ZZ
                                         360        147,140.72          1
1

                                       7.500          1,029.59         95
                                       7.250          1,029.59
    MADISON          MS   39110          5            10/01/02         01
    0414992925                           05           11/01/02         30
    0414992925                           O            10/01/32
    0

    8089397          E22/G02             F          650,000.00         ZZ
                                         360        650,000.00          2
                                       6.875          4,270.04         55
                                       6.625          4,270.04
    SAN FRANCISCO    CA   94118          5            09/27/02         00
    0414999227                           05           12/01/02          0
    0414999227                           O            11/01/32
    0

    8089441          E22/G02             F           73,340.00         ZZ
                                         360         73,289.52          2
                                       7.875            531.77         95
                                       7.625            531.77
    NEW ORLEANS      LA   70117          5            10/01/02         01
    0415022441                           05           11/01/02         30
    0415022441                           O            10/01/32
    0

    8089451          E22/G02             F          109,800.00         ZZ
                                         360        109,800.00          1
                                       7.500            767.74         90
                                       7.250            767.74
    ALBUQUERQUE      NM   87112          2            10/07/02         01
    0415029818                           05           12/01/02         25
    0415029818                           N            11/01/32
    0

    8090093          964/G02             F          500,000.00         ZZ
                                         360        499,547.99          1
                                       6.500          3,160.34         72
                                       6.250          3,160.34
    AURORA           CO   80016          1            09/30/02         00
    0434691135                           03           11/01/02          0
    266535                               O            10/01/32
    0

    8090169          025/G02             F          500,000.00         ZZ
                                         360        499,136.58          1
                                       6.750          3,243.00         89
                                       6.500          3,243.00
    HENDERSON        NV   89014          1            08/07/02         04
    0434767588                           03           10/01/02         25
1

    0140632613                           O            09/01/32
    0

    8090347          025/G02             F          525,000.00         ZZ
                                         360        522,376.57          1
                                       6.875          3,448.88         75
                                       6.625          3,448.88
    SEATTLE          WA   98118          5            07/30/02         00
    0434733440                           05           09/01/02          0
    0140577206                           O            08/01/32
    0

    8090477          025/G02             F          611,000.00         ZZ
                                         360        609,892.29          1
                                       6.500          3,861.94         75
                                       6.250          3,861.94
    SAN FRANCISCO    CA   94127          5            08/26/02         00
    0434733374                           05           10/01/02          0
    0140253410                           O            09/01/32
    0

    8090709          025/G02             F          525,000.00         ZZ
                                         360        523,636.32          1
                                       6.750          3,405.14         75
                                       6.500          3,405.14
    ORINDA           CA   94563          5            07/23/02         00
    0434733317                           05           09/01/02          0
    0131275422                           O            08/01/32
    0

    8091411          420/G02             F          516,000.00         ZZ
                                         360        515,544.75          1
                                       6.625          3,304.00         80
                                       6.375          3,304.00
    SANTA ANA        CA   92705          1            09/19/02         00
    0434748810                           05           11/01/02          0
    72003174                             O            10/01/32
    0

    8091659          313/G02             F          305,000.00         ZZ
                                         360        304,724.27          1
                                       6.500          1,927.81         76
                                       6.250          1,927.81
    MEDWAY           MA   02053          2            09/20/02         00
    0434713103                           05           11/01/02          0
    8937708                              O            10/01/32
    0

1

    8091827          313/G02             F          390,000.00         ZZ
                                         360        389,292.95          1
                                       6.500          2,465.07         71
                                       6.250          2,465.07
    WOODLAND HILLS   CA   91367          5            08/26/02         00
    0434710638                           05           10/01/02          0
    8908618                              O            09/01/32
    0

    8091831          313/G02             F          382,000.00         ZZ
                                         360        381,307.47          1
                                       6.500          2,414.50         78
                                       6.250          2,414.50
    TARZANA AREA     CA   91356          1            08/20/02         00
    0434713236                           05           10/01/02          0
    8881336                              O            09/01/32
    0

    8091843          313/G02             F          400,000.00         ZZ
                                         360        399,303.63          1
                                       6.750          2,594.40         73
                                       6.500          2,594.40
    ROWLAND HEIGHTS  CA   91748          5            08/29/02         00
    0434714234                           05           10/01/02          0
    8931123                              O            09/01/32
    0

    8092013          313/G02             F          320,000.00         ZZ
                                         360        319,696.37          1
                                       6.250          1,970.30         79
                                       6.000          1,970.30
    PASADENA         CA   91107          1            09/10/02         00
    0434710570                           05           11/01/02          0
    8975401                              O            10/01/32
    0

    8092043          313/G02             F          375,000.00         ZZ
                                         360        374,677.13          1
                                       6.750          2,432.25         80
                                       6.500          2,432.25
    SANTA ANA        CA   92705          5            09/06/02         00
    0434719670                           05           11/01/02          0
    8944415                              O            10/01/32
    0

    8092051          313/G02             F          332,000.00         ZZ
                                         360        331,707.08          1
                                       6.625          2,125.84         78
                                       6.375          2,125.84
1

    IRVINE           CA   92602          5            09/10/02         00
    0434710547                           05           11/01/02          0
    8877722                              O            10/01/32
    0

    8092105          313/G02             F          346,500.00         ZZ
                                         360        346,171.22          1
                                       6.250          2,133.47         70
                                       6.000          2,133.47
    PLEASANTON       CA   94588          1            09/18/02         00
    0434710661                           05           11/01/02          0
    8963357                              O            10/01/32
    0

    8092139          313/G02             F          410,000.00         ZZ
                                         360        405,881.17          1
                                       6.625          2,625.28         49
                                       6.375          2,625.28
    GLENDALE         CA   91202          5            08/01/02         00
    0434713053                           05           10/01/02          0
    8857559                              O            09/01/32
    0

    8092263          N74/G02             F          485,000.00         ZZ
                                         360        484,561.55          1
                                       6.500          3,065.53         65
                                       6.250          3,065.53
    MC LEAN          VA   22101          5            09/30/02         00
    0434690905                           05           11/04/02          0
    0030822010                           O            10/04/32
    0

    8092273          X71/G02             F          519,000.00         ZZ
                                         360        519,000.00          1
                                       5.750          3,028.74         70
                                       5.500          3,028.74
    CASTRO VALLEY    CA   94552          5            10/02/02         00
    0434792255                           05           12/01/02          0
    7283919                              O            11/01/32
    0

    8092979          286/286             F           67,500.00         ZZ
                                         360         67,352.51          1
                                       7.625            477.76         90
                                       7.375            477.76
    MIAMI            FL   33055          1            07/25/02         12
    1393814                              05           09/01/02         25
    1393814                              O            08/01/32
    0
1

    8093011          286/286             F           76,050.00         ZZ
                                         360         75,936.75          1
                                       7.500            531.76         90
                                       7.250            531.76
    MERRITT ISLAND   FL   32952          1            08/15/02         14
    1436877                              05           10/01/02         25
    1436877                              O            09/01/32
    0

    8093129          286/286             F          175,000.00         ZZ
                                         360        174,607.92          1
                                       7.500          1,223.63         90
                                       7.250          1,223.63
    LINDEN           NJ   07036          1            07/31/02         12
    1329457                              05           09/01/02         25
    1329457                              O            08/01/32
    0

    8093187          286/286             F           76,061.00         ZZ
                                         360         75,947.75          1
                                       7.500            531.83         90
                                       7.250            531.83
    PALM BAY         FL   32907          1            08/14/02         10
    1456856                              05           10/01/02         30
    1456856                              O            09/01/32
    0

    8093951          E22/G02             F           64,260.00         ZZ
                                         360         64,260.00          1
                                       7.500            449.32         90
                                       7.250            449.32
    MONTROSE         CO   81401          1            10/08/02         01
    0414847814                           05           12/01/02         25
    0414847814                           N            11/01/32
    0

    8094015          E22/G02             F          396,000.00         ZZ
                                         360        396,000.00          1
                                       6.625          2,535.63         80
                                       6.375          2,535.63
    SAN FRANCISCO    CA   94121          1            09/30/02         00
    0414929141                           07           12/01/02          0
    0414929141                           O            11/01/32
    0

    8094119          E22/G02             F          308,000.00         ZZ
                                         360        308,000.00          1
1

                                       6.500          1,946.77         80
                                       6.250          1,946.77
    FALLS CHURCH     VA   22042          1            10/08/02         00
    0415051929                           05           12/01/02          0
    0415051929                           O            11/01/32
    0

    8095249          A21/G02             F          375,500.00         ZZ
                                         360        375,184.53          1
                                       6.875          2,466.77         90
                                       6.625          2,466.77
    CHATHAM          NJ   07928          1            09/13/02         11
    0434716213                           05           11/01/02         25
    0100133009                           O            10/01/32
    0

    8095459          F89/G02             F          600,000.00         ZZ
                                         360        600,000.00          1
                                       6.250          3,694.30         65
                                       6.000          3,694.30
    HUNTINGTON BEAC  CA   92649          5            10/03/02         00
    0434712311                           03           12/01/02          0
    23594                                O            11/01/32
    0

    8096343          G34/G02             F          185,250.00         ZZ
                                         360        185,112.52          1
                                       7.500          1,295.29         95
                                       7.250          1,295.29
    LAS VEGAS        NV   89122          5            09/23/02         10
    0434711578                           05           11/01/02         30
    66120909                             O            10/01/32
    0

    8096735          964/G02             F          468,000.00         ZZ
                                         360        467,566.54          1
                                       6.375          2,919.71         75
                                       6.125          2,919.71
    BERTHOUD         CO   80513          2            09/25/02         00
    0434682316                           05           11/01/02          0
    258516                               O            10/01/32
    0

    8096759          964/G02             F          339,200.00         ZZ
                                         360        339,200.00          1
                                       6.375          2,116.17         78
                                       6.125          2,116.17
    CONCORD          CA   94518          1            09/25/02         00
    0434684817                           05           12/01/02          0
1

    266905                               O            11/01/32
    0

    8096765          964/G02             F          506,250.00         ZZ
                                         360        505,792.34          1
                                       6.500          3,199.85         75
                                       6.250          3,199.85
    ESCONDIDO        CA   92029          5            09/20/02         00
    0434696548                           05           11/01/02          0
    234084                               O            10/01/32
    0

    8096857          B98/G02             F          335,000.00         ZZ
                                         360        334,689.73          1
                                       6.375          2,089.96         48
                                       6.125          2,089.96
    DUBLIN           CA   94568          2            09/24/02         00
    0434734786                           03           11/01/02          0
    JOSE                                 O            10/01/32
    0

    8096881          W39/G02             F          256,500.00         ZZ
                                         360        256,500.00          4
                                       7.500          1,793.49         95
                                       7.250          1,793.49
    DENVER           CO   80211          1            10/03/02         01
    0434702692                           05           12/01/02         30
    PN122656                             O            11/01/32
    0

    8096977          E22/G02             F          364,000.00         ZZ
                                         360        364,000.00          1
                                       6.375          2,270.89         80
                                       6.125          2,270.89
    ALAMEDA          CA   94501          2            10/04/02         00
    0415027556                           05           12/01/02          0
    0415027556                           O            11/01/32
    0

    8096983          E22/G02             F          360,000.00         ZZ
                                         360        360,000.00          1
                                       6.375          2,245.93         71
                                       6.125          2,245.93
    WALNUT CREEK     CA   94596          5            10/03/02         00
    0415032002                           05           12/01/02          0
    0415032002                           O            11/01/32
    0

1

    8097017          E22/G02             F           59,000.00         ZZ
                                         360         59,000.00          1
                                       7.875            427.79         74
                                       7.625            427.79
    NEW ORLEANS      LA   70115          2            10/09/02         00
    0414816728                           05           12/01/02          0
    0414816728                           N            11/01/32
    0

    8097075          E22/G02             F          419,250.00         ZZ
                                         360        419,250.00          1
                                       6.375          2,615.57         75
                                       6.125          2,615.57
    HERMOSA BEACH    CA   90254          1            10/04/02         00
    0414940601                           09           12/01/02          0
    0414940601                           O            11/01/32
    0

    8097083          E22/G02             F          320,000.00         ZZ
                                         360        320,000.00          1
                                       6.375          1,996.38         80
                                       6.125          1,996.38
    LA CRESCENTA     CA   91214          1            10/04/02         00
    0414958058                           05           12/01/02          0
    0414958058                           O            11/01/32
    0

    8097109          E22/G02             F          325,000.00         ZZ
                                         360        325,000.00          1
                                       6.250          2,001.08         74
                                       6.000          2,001.08
    BRENTWOOD        CA   94513          5            10/04/02         00
    0414983668                           03           12/01/02          0
    0414983668                           O            11/01/32
    0

    8097351          N47/G02             F          400,000.00         ZZ
                                         360        400,000.00          1
                                       6.500          2,528.27         77
                                       6.250          2,528.27
    ELK GROVE        CA   95624          5            10/01/02         00
    0434703856                           05           12/01/02          0
    20121123                             O            11/01/32
    0

    8099213          L86/G02             F          471,000.00         ZZ
                                         360        471,000.00          1
                                       6.375          2,938.43         67
                                       6.125          2,938.43
1

    ORANGE           CA   92867          2            10/03/02         00
    0434734406                           05           12/01/02          0
    20512206                             O            11/01/32
    0

    8099375          956/G02             F          449,900.00         ZZ
                                         360        449,493.29          1
                                       6.500          2,843.67         74
                                       6.250          2,843.67
    MORRISON         CO   80465          2            09/24/02         00
    0434777074                           05           11/01/02          0
    2412080179                           O            10/01/32
    0

    8099413          956/G02             F          428,500.00         ZZ
                                         360        428,103.13          1
                                       6.375          2,673.28         79
                                       6.125          2,673.28
    SAN JOSE         CA   95119          2            09/20/02         00
    0434708913                           05           11/01/02          0
    712080423                            O            10/01/32
    0

    8099415          956/G02             F          393,600.00         ZZ
                                         360        393,235.45          1
                                       6.375          2,455.55         80
                                       6.125          2,455.55
    MARINA           CA   93933          1            09/11/02         00
    0434743423                           05           11/01/02          0
    712090063                            O            10/01/32
    0

    8099417          956/G02             F          419,900.00         ZZ
                                         360        418,755.03          1
                                       6.500          2,654.05         80
                                       6.250          2,654.05
    YORBA LINDA      CA   92887          1            07/29/02         00
    0434708954                           05           09/01/02          0
    1112070153                           O            08/01/32
    0

    8099421          956/G02             F          472,000.00         ZZ
                                         360        471,573.31          1
                                       6.500          2,983.36         80
                                       6.250          2,983.36
    WOODINVILLE      WA   98072          1            09/17/02         00
    0434708905                           05           11/01/02          0
    1712070029                           O            10/01/32
    0
1

    8099779          956/G02             F          414,300.00         ZZ
                                         360        413,197.34          1
                                       6.625          2,652.81         90
                                       6.375          2,652.81
    NORTH MIAMI      FL   33181          1            07/31/02         10
    0434796009                           05           09/01/02         25
    4212070072                           O            08/01/32
    0

    8099865          S53/G02             F          105,750.00         ZZ
                                         360        105,750.00          3
                                       7.500            739.42         90
                                       7.250            739.42
    LOUISVILLE       KY   40208          1            10/04/02         10
    0434682027                           05           12/01/02         25
    9838877                              N            11/01/32
    0

    8099869          R84/G02             F          396,000.00         ZZ
                                         360        395,633.23          1
                                       6.375          2,470.52         80
                                       6.125          2,470.52
    GRANITE FALLS    WA   98252          2            09/13/02         00
    0434685160                           05           11/01/02          0
    WA800805                             O            10/01/32
    0

    8100197          825/G02             F          362,000.00         ZZ
                                         360        362,000.00          1
                                       6.375          2,258.41         78
                                       6.125          2,258.41
    LIVERMORE        CA   94550          5            10/08/02         00
    0434718482                           05           12/01/02          0
    50241                                O            11/01/32
    0

    8100391          A39/G02             F          573,750.00         ZZ
                                         360        573,750.00          1
                                       6.625          3,673.78         75
                                       6.375          3,673.78
    LOS ANGELES      CA   90004          5            10/03/02         00
    0434723045                           05           12/01/02          0
    2202218                              O            11/01/32
    0

    8100657          E82/G02             F          330,000.00         ZZ
                                         360        330,000.00          1
1

                                       7.000          2,195.50         80
                                       6.750          2,195.50
    MISSION VIEJO    CA   92691          5            10/04/02         00
    0400697512                           03           12/01/02          0
    0400697512                           O            11/01/32
    0

    8100705          E82/G02             F          215,000.00         ZZ
                                         360        215,000.00          1
                                       7.625          1,521.76         51
                                       7.375          1,521.76
    BOSTON           MA   02109          2            10/07/02         00
    0400689774                           08           12/01/02          0
    1962542                              O            11/01/32
    0

    8100727          E82/G02             F          137,300.00         ZZ
                                         360        137,300.00          4
                                       7.625            971.80         83
                                       7.375            971.80
    WEST WARWICK     RI   02893          2            10/09/02         04
    0400699773                           05           12/01/02         12
    4744783                              N            11/01/32
    0

    8100827          E22/G02             F          338,000.00         ZZ
                                         360        338,000.00          1
                                       7.000          2,248.72         65
                                       6.750          2,248.72
    PLEASANTON       CA   94566          1            10/08/02         00
    0414992511                           05           12/01/02          0
    0414992511                           O            11/01/32
    0

    8100903          E22/G02             F          590,000.00         ZZ
                                         360        589,528.19          1
                                       7.125          3,974.94         56
                                       6.875          3,974.94
    DOWNEY           CA   90240          5            10/10/02         00
    0414412288                           05           11/01/02          0
    0414412288                           O            10/01/32
    0

    8101015          E47/G02             F          463,900.00         ZZ
                                         360        463,529.03          1
                                       7.125          3,125.38         80
                                       6.875          3,125.38
    FOLSOM           CA   95630          1            09/21/02         00
    0434730396                           05           11/01/02          0
1

    7333012432                           O            10/01/32
    0

    8101131          550/550             F          530,000.00         ZZ
                                         360        529,561.25          1
                                       6.950          3,508.33         58
                                       6.700          3,508.33
    TIBURON          CA   94820          2            09/24/02         00
    120603464                            01           11/01/02          0
    120603464                            O            10/01/32
    0

    8101141          K15/G02             F          207,000.00         ZZ
                                         360        206,853.90          2
                                       7.750          1,482.97         90
                                       7.500          1,482.97
    STATEN ISLAND    NY   10304          5            09/25/02         41
    0434733382                           05           11/01/02         25
    011105300232                         O            10/01/32
    0

    8101155          U33/G02             F          408,000.00         ZZ
                                         360        407,640.03          1
                                       6.625          2,612.47         80
                                       6.375          2,612.47
    SAN DIEGO        CA   92110          5            09/23/02         00
    0434731543                           05           11/01/02          0
    429326                               O            10/01/32
    0

    8101235          X19/G02             F          349,000.00         ZZ
                                         360        349,000.00          1
                                       6.250          2,148.85         70
                                       6.000          2,148.85
    NEW ROCHELLE     NY   10583          1            10/04/02         00
    0434727947                           05           12/01/02          0
    22090401                             O            11/01/32
    0

    8101961          S11/G02             F          450,000.00         ZZ
                                         360        450,000.00          1
                                       6.625          2,881.40         79
                                       6.375          2,881.40
    SAN CLEMENTE     CA   92673          5            10/02/02         00
    0434709200                           03           12/01/02          0
    10320546                             O            11/01/32
    0

1

    8101981          F25/G02             F          378,000.00         ZZ
                                         360        378,000.00          1
                                       6.375          2,358.23         70
                                       6.125          2,358.23
    VALHALLA         NY   10595          1            10/10/02         00
    0434742151                           05           12/01/02          0
    7771004                              N            11/01/32
    0

    8102307          758/G02             F          530,150.00         ZZ
                                         360        529,658.97          1
                                       6.375          3,307.45         56
                                       6.125          3,307.45
    UNIVERSITY PARK  TX   75205          2            09/30/02         00
    0434743001                           05           11/01/02          0
    401994                               O            10/01/32
    0

    8102433          624/G02             F          320,000.00         ZZ
                                         360        319,688.98          1
                                       6.125          1,944.35         80
                                       5.875          1,944.35
    CHULA VISTA      CA   91911          5            09/20/02         00
    0434755567                           05           11/01/02          0
    1000010862                           O            10/01/32
    0

    8102509          624/G02             F          350,000.00         ZZ
                                         360        349,667.91          1
                                       6.250          2,155.01         70
                                       6.000          2,155.01
    CHULA VISTA      CA   91911          1            09/20/02         00
    0434693081                           05           11/01/02          0
    1000010863                           O            10/01/32
    0

    8102655          A39/G02             F          525,000.00         ZZ
                                         360        524,536.81          1
                                       6.625          3,361.63         64
                                       6.375          3,361.63
    STUDIO CITY      CA   91604          5            09/25/02         00
    0434737201                           05           11/01/02          0
    2201846                              O            10/01/32
    0

    8102933          624/G02             F          360,000.00         ZZ
                                         360        359,674.56          1
                                       6.500          2,275.44         80
                                       6.250          2,275.44
1

    PLACENTIA        CA   92870          5            09/20/02         00
    0434688800                           05           11/01/02          0
    1000010708                           O            10/01/32
    0

    8103039          624/G02             F          377,000.00         ZZ
                                         360        376,659.18          1
                                       6.500          2,382.90         58
                                       6.250          2,382.90
    PHOENIX          AZ   85255          5            09/26/02         00
    0434704664                           05           11/01/02          0
    1000012056                           O            10/01/32
    0

    8103193          624/G02             F          650,000.00         ZZ
                                         360        649,412.39          1
                                       6.500          4,108.44         72
                                       6.250          4,108.44
    RANCHO CUCAMONG  CA   91737          2            09/12/02         00
    0434702304                           03           11/01/02          0
    1000010538                           O            10/01/32
    0

    8103331          624/G02             F          372,000.00         ZZ
                                         360        372,000.00          1
                                       6.625          2,381.96         80
                                       6.375          2,381.96
    CLAYTON          CA   94517          2            09/25/02         00
    0434689105                           09           12/01/02          0
    1000009650                           O            11/01/32
    0

    8104093          E47/G02             F          352,000.00         ZZ
                                         360        351,696.93          1
                                       6.750          2,283.07         77
                                       6.500          2,283.07
    MISSION VIEJO    CA   92692          5            09/25/02         00
    0434743084                           05           11/01/02          0
    7331014405                           O            10/01/32
    0

    8104117          E22/G02             F          120,500.00         ZZ
                                         360        120,500.00          1
                                       7.750            863.28         90
                                       7.500            863.28
    CLINTON TOWNSHI  MI   48035          5            10/08/02         04
    0414715763                           05           12/01/02         25
    0414715763                           O            11/01/32
    0
1

    8104177          E22/G02             F          507,500.00         ZZ
                                         360        507,500.00          1
                                       6.625          3,249.58         70
                                       6.375          3,249.58
    ARVADA           CO   80002          2            10/11/02         00
    0414875880                           05           12/01/02          0
    0414875880                           N            11/01/32
    0

    8104195          E22/G02             F          135,000.00         ZZ
                                         360        135,000.00          4
                                       7.875            978.84         90
                                       7.625            978.84
    NEWARK           NJ   07112          1            10/11/02         04
    0414903682                           05           12/01/02         25
    0414903682                           N            11/01/32
    0

    8104211          B44/G02             F          332,100.00         ZZ
                                         360        331,865.60          1
                                       7.750          2,379.21         90
                                       7.500          2,379.21
    WEST SACRAMENTO  CA   95691          1            09/20/02         19
    0434743340                           05           11/01/02         25
    3020643                              O            10/01/32
    0

    8104267          E22/G02             F           30,000.00         ZZ
                                         360         30,000.00          1
                                       7.875            217.52         80
                                       7.625            217.52
    CLOUDCROFT       NM   88317          1            10/11/02         00
    0414994723                           05           12/01/02          0
    0414994723                           N            11/01/32
    0

    8104307          E22/G02             F          400,000.00         ZZ
                                         360        400,000.00          1
                                       6.625          2,561.24         69
                                       6.375          2,561.24
    SUTTONS BAY      MI   49682          2            10/07/02         00
    0415023100                           05           12/01/02          0
    0415023100                           O            11/01/32
    0

    8104327          E22/G02             F          134,910.00         ZZ
                                         360        134,910.00          1
1

                                       7.500            943.31         90
                                       7.250            943.31
    KEMAH            TX   77565          1            10/11/02         04
    0415036128                           05           12/01/02         25
    0415036128                           O            11/01/32
    0

    8104329          E22/G02             F          324,800.00         ZZ
                                         360        324,800.00          1
                                       6.250          1,999.85         80
                                       6.000          1,999.85
    SACRAMENTO       CA   95821          1            10/04/02         00
    0415042779                           05           12/01/02          0
    0415042779                           O            11/01/32
    0

    8104343          E22/G02             F          171,000.00         ZZ
                                         360        171,000.00          4
                                       7.875          1,239.87         90
                                       7.625          1,239.87
    IRVINGTON        NJ   07111          1            10/11/02         04
    0415052489                           05           12/01/02         25
    0415052489                           N            11/01/32
    0

    8104409          E22/G02             F          490,000.00         ZZ
                                         360        490,000.00          1
                                       6.375          3,056.96         80
                                       6.125          3,056.96
    GLENVIEW         IL   60025          5            10/09/02         00
    0415135177                           05           12/01/02          0
    0415135177                           O            11/01/32
    0

    8104611          624/G02             F          394,250.00         ZZ
                                         360        393,884.84          1
                                       6.375          2,459.61         95
                                       6.125          2,459.61
    LOMPOC           CA   93436          1            09/25/02         01
    0434693024                           03           11/01/02         30
    1000012280                           O            10/01/32
    0

    8104655          624/G02             F          330,000.00         ZZ
                                         360        329,671.48          1
                                       6.000          1,978.52         76
                                       5.750          1,978.52
    FOUNTAIN VALLEY  CA   92708          1            09/26/02         00
    0434692927                           05           11/01/02          0
1

    1000008853                           O            10/01/32
    0

    8104777          624/G02             F          412,000.00         ZZ
                                         360        411,618.41          1
                                       6.375          2,570.34         78
                                       6.125          2,570.34
    FOUNTAIN VALLEY  CA   92708          2            09/15/02         00
    0434692760                           05           11/01/02          0
    1000007981                           O            10/01/32
    0

    8104807          624/G02             F          452,000.00         ZZ
                                         360        451,571.13          1
                                       6.250          2,783.04         65
                                       6.000          2,783.04
    SOUTH SAN FRANC  CA   94080          2            09/19/02         00
    0434702759                           03           11/01/02          0
    1000008742                           O            10/01/32
    0

    8104859          624/G02             F          426,000.00         ZZ
                                         360        425,605.44          1
                                       6.375          2,657.69         80
                                       6.125          2,657.69
    FREMONT          CA   94539          2            09/18/02         00
    0434729117                           03           11/01/02          0
    1000009379                           O            10/01/32
    0

    8104863          624/G02             F          512,000.00         ZZ
                                         360        511,502.36          1
                                       6.125          3,110.97         80
                                       5.875          3,110.97
    SAN JOSE         CA   95139          2            09/17/02         00
    0434686697                           05           11/01/02          0
    1000007274                           O            10/01/32
    0

    8105025          624/G02             F          445,000.00         ZZ
                                         360        444,577.77          1
                                       6.250          2,739.94         73
                                       6.000          2,739.94
    APTOS            CA   95003          5            09/23/02         00
    0434692646                           05           11/01/02          0
    1000011570                           O            10/01/32
    0

1

    8105097          K15/G02             F          118,000.00         ZZ
                                         360        118,000.00          1
                                       7.750            845.37         90
                                       7.500            845.37
    LAMBERTVILLE     MI   48144          5            10/07/02         41
    0434732186                           05           12/01/02         25
    035005503592                         O            11/01/32
    0

    8105133          K15/G02             F           85,000.00         ZZ
                                         360         85,000.00          1
                                       7.750            608.95         85
                                       7.500            608.95
    DILLSBORO        IN   47018          5            10/07/02         41
    0434723805                           05           12/01/02         12
    028105304180                         O            11/01/32
    0

    8105463          624/G02             F          528,000.00         ZZ
                                         360        528,000.00          1
                                       6.500          3,337.32         80
                                       6.250          3,337.32
    PACIFIC GROVE    CA   93950          1            09/27/02         00
    0434735148                           05           12/01/02          0
    1000012541                           O            11/01/32
    0

    8105477          624/G02             F          445,000.00         ZZ
                                         360        444,597.72          1
                                       6.500          2,812.70         43
                                       6.250          2,812.70
    NEWPORT BEACH    CA   92660          5            09/09/02         00
    0434703567                           03           11/01/02          0
    1000010131                           O            10/01/32
    0

    8105497          X51/G02             F          444,000.00         ZZ
                                         360        444,000.00          1
                                       7.100          2,983.82         80
                                       6.850          2,983.82
    RANCHO PALOS VE  CA   90275          5            10/04/02         00
    0434740114                           05           12/01/02          0
    R2053866                             O            11/01/32
    0

    8105533          X51/G02             F          627,000.00         ZZ
                                         360        627,000.00          1
                                       6.125          3,809.72         57
                                       5.875          3,809.72
1

    MANHATTAN BEACH  CA   90266          2            10/03/02         00
    0434772083                           05           12/01/02          0
    R2053726                             O            11/01/32
    0

    8105773          562/G02             F          351,750.00         ZZ
                                         360        351,750.00          2
                                       7.500          2,459.49         75
                                       7.250          2,459.49
    NORWALK          CT   06854          1            10/10/02         00
    0434729679                           05           12/01/02          0
    297046329                            N            11/01/32
    0

    8105853          E45/G02             F          319,500.00         ZZ
                                         360        318,948.29          1
                                       6.750          2,072.27         90
                                       6.500          2,072.27
    COLUMBIA         MD   21044          1            08/23/02         04
    0434785614                           05           10/01/02         25
    266564                               O            09/01/32
    0

    8106213          952/G02             F          531,500.00         ZZ
                                         360        531,500.00          1
                                       6.500          3,359.44         75
                                       6.250          3,359.44
    SCARSDALE        NY   10583          1            10/02/02         00
    0434732475                           05           12/01/02          0
    20027604                             O            11/01/32
    0

    8106341          S11/G02             F          348,000.00         ZZ
                                         360        347,677.68          1
                                       6.375          2,171.07         80
                                       6.125          2,171.07
    IRVINE           CA   92606          5            09/28/02         00
    0434789004                           03           11/01/02          0
    10209541                             O            10/01/32
    0

    8106717          N47/G02             F          360,000.00         ZZ
                                         360        360,000.00          1
                                       6.500          2,275.44         80
                                       6.250          2,275.44
    SAN JOSE         CA   95121          5            10/01/02         00
    0434734190                           05           12/01/02          0
    20321199                             O            11/01/32
    0
1

    8106819          E47/G02             F          345,600.00         ZZ
                                         360        345,279.91          1
                                       6.375          2,156.09         80
                                       6.125          2,156.09
    LAGUNA NIGUEL    CA   92677          5            09/30/02         00
    0434767547                           03           11/01/02          0
    7331014421                           O            10/01/32
    0

    8107173          420/G02             F          418,000.00         ZZ
                                         360        417,612.85          1
                                       6.375          2,607.78         56
                                       6.125          2,607.78
    SANTA ROSA       CA   95404          2            09/13/02         00
    0434740072                           05           11/01/02          0
    72003073                             O            10/01/32
    0

    8107739          W68/G02             F          650,000.00         ZZ
                                         360        650,000.00          1
                                       7.000          4,324.47         71
                                       6.750          4,324.47
    PARKER           TX   75002          2            10/10/02         00
    0434800587                           03           12/01/02          0
    28490                                O            11/01/32
    0

    8107911          E47/G02             F          323,000.00         ZZ
                                         360        322,721.91          1
                                       6.750          2,094.97         80
                                       6.500          2,094.97
    COSTA MESA       CA   92627          2            09/24/02         00
    0434746236                           09           11/01/02          0
    7331014463                           O            10/01/32
    0

    8108095          E57/G02             F          488,000.00         ZZ
                                         360        488,000.00          1
                                       6.500          3,084.49         80
                                       6.250          3,084.49
    FOUNTAIN VALLEY  CA   92708          5            10/01/02         00
    0434773024                           05           12/01/02          0
    06009655                             O            11/01/32
    0

    8108121          Q30/G02             F          232,000.00         ZZ
                                         360        231,827.82          1
1

                                       7.500          1,622.18         80
                                       7.250          1,622.18
    ARCHBALD         PA   18403          2            09/27/02         00
    0434766895                           05           11/01/02          0
    20102149                             O            10/01/32
    0

    8108499          X31/G02             F          308,000.00         ZZ
                                         360        308,000.00          1
                                       6.500          1,946.77         80
                                       6.250          1,946.77
    ANAHEIM          CA   92807          1            10/03/02         00
    0434744223                           03           12/01/02          0
    24000440                             O            11/01/32
    0

    8108741          K15/G02             F           95,900.00         ZZ
                                         360         95,900.00          1
                                       7.750            687.04         95
                                       7.500            687.04
    TONAWANDA        NY   14150          5            10/07/02         41
    0434744298                           05           12/01/02         30
    029505304563                         O            11/01/32
    0

    8108915          369/G02             F          352,000.00         ZZ
                                         360        351,681.79          1
                                       6.500          2,224.88         80
                                       6.250          2,224.88
    BONITA           CA   91902          1            09/13/02         00
    0434777520                           05           11/01/02          0
    0074287848                           O            10/01/32
    0

    8109433          944/G02             F          492,000.00         ZZ
                                         360        492,000.00          1
                                       6.375          3,069.44         80
                                       6.125          3,069.44
    TUCSON           AZ   85718          1            10/05/02         00
    0434744256                           05           12/01/02          0
    W02029388                            O            11/01/32
    0

    8109473          116/116             F          388,000.00         ZZ
                                         360        387,649.25          1
                                       6.500          2,452.42         80
                                       6.250          2,452.42
    HOUSTON          TX   77024          2            09/30/02         00
    091022528                            05           11/01/02          0
1

    091022528                            O            10/01/32
    0

    8109693          M27/G02             F          440,000.00         ZZ
                                         360        439,611.80          1
                                       6.625          2,817.37         80
                                       6.375          2,817.37
    FRANKLIN         TN   37069          5            09/30/02         00
    0434822888                           05           11/01/02          0
    6008213135                           O            10/01/32
    0

    8110153          E22/G02             F          380,000.00         ZZ
                                         360        380,000.00          1
                                       6.000          2,278.29         52
                                       5.750          2,278.29
    VENTURA          CA   93001          5            10/08/02         00
    0414907519                           05           12/01/02          0
    0414907519                           O            11/01/32
    0

    8110195          E22/G02             F          113,800.00         ZZ
                                         360        113,800.00          1
                                       7.500            795.71         85
                                       7.250            795.71
    EAGAN            MN   55123          1            10/15/02         04
    0414944603                           01           12/01/02         20
    0414944603                           N            11/01/32
    0

    8110227          E22/G02             F          122,500.00         ZZ
                                         360        122,500.00          1
                                       8.000            898.86         95
                                       7.750            898.86
    CAPE CORAL       FL   33904          5            10/09/02         01
    0414972877                           05           12/01/02         25
    0414972877                           O            11/01/32
    0

    8110243          E22/G02             F          464,100.00         ZZ
                                         360        464,100.00          1
                                       6.500          2,933.43         85
                                       6.250          2,933.43
    SAN JOSE         CA   95136          5            10/03/02         01
    0414985739                           05           12/01/02         12
    0414985739                           O            11/01/32
    0

1

    8110251          E22/G02             F          475,000.00         ZZ
                                         360        475,000.00          1
                                       6.750          3,080.84         75
                                       6.500          3,080.84
    LAGUNA BEACH     CA   92651          5            10/09/02         00
    0414993907                           05           12/01/02          0
    0414993907                           O            11/01/32
    0

    8110271          E22/G02             F          457,760.00         ZZ
                                         360        457,760.00          1
                                       6.875          3,007.16         47
                                       6.625          3,007.16
    AUSTIN           TX   78746          5            10/09/02         00
    0415014307                           03           12/01/02          0
    0415014307                           O            11/01/32
    0

    8110297          E22/G02             F           24,300.00         ZZ
                                         360         24,300.00          1
                                       7.500            169.91         90
                                       7.250            169.91
    SOUTH BEND       IN   46619          1            10/15/02         01
    0415029917                           05           12/01/02         25
    0415029917                           N            11/01/32
    0

    8110325          E22/G02             F          425,000.00         ZZ
                                         360        425,000.00          1
                                       6.375          2,651.45         55
                                       6.125          2,651.45
    DUBLIN           CA   94568          5            10/04/02         00
    0415037696                           05           12/01/02          0
    0415037696                           O            11/01/32
    0

    8110357          E22/G02             F          435,000.00         ZZ
                                         360        435,000.00          1
                                       6.375          2,713.83         80
                                       6.125          2,713.83
    SAN RAFAEL       CA   94903          2            10/07/02         00
    0415055078                           05           12/01/02          0
    0415055078                           O            11/01/32
    0

    8110397          E22/G02             F          400,000.00         ZZ
                                         360        400,000.00          1
                                       6.000          2,398.20         68
                                       5.750          2,398.20
1

    SAN FRANCISCO    CA   94134          2            10/03/02         00
    0415081207                           05           12/01/02          0
    0415081207                           O            11/01/32
    0

    8110435          E22/G02             F          496,000.00         ZZ
                                         360        496,000.00          1
                                       6.250          3,053.96         80
                                       6.000          3,053.96
    GENOA            NV   89411          5            10/08/02         00
    0415105246                           03           12/01/02          0
    0415105246                           O            11/01/32
    0

    8110439          E22/G02             F          376,000.00         ZZ
                                         360        376,000.00          1
                                       6.375          2,345.75         80
                                       6.125          2,345.75
    RANCHO CUCAMONG  CA   91701          5            10/07/02         00
    0415109941                           05           12/01/02          0
    0415109941                           O            11/01/32
    0

    8110457          E22/G02             F           99,400.00         ZZ
                                         360         99,400.00          4
                                       7.875            720.72         70
                                       7.625            720.72
    CENTRALIA        WA   98531          2            10/08/02         00
    0415132869                           05           12/01/02          0
    0415132869                           N            11/01/32
    0

    8110481          E22/G02             F           76,500.00         ZZ
                                         360         76,500.00          2
                                       7.875            554.68         90
                                       7.625            554.68
    NEW ORLEANS      LA   70117          1            10/14/02         04
    0415156744                           05           12/01/02         25
    0415156744                           N            11/01/32
    0

    8110483          E22/G02             F           99,000.00         ZZ
                                         360         99,000.00          2
                                       7.875            717.82         90
                                       7.625            717.82
    NEW ORLEANS      LA   70115          1            10/14/02         04
    0415156751                           05           12/01/02         25
    0415156751                           N            11/01/32
    0
1

    8110485          E22/G02             F           74,700.00         ZZ
                                         360         74,700.00          2
                                       7.875            541.63         90
                                       7.625            541.63
    NEW ORLEANS      LA   70117          1            10/14/02         04
    0415156777                           05           12/01/02         25
    0415156777                           N            11/01/32
    0

    8110503          E22/G02             F          143,200.00         ZZ
                                         360        143,200.00          1
                                       7.500          1,001.28         80
                                       7.250          1,001.28
    SANTA CLARA      UT   84765          1            10/07/02         00
    0415170224                           03           12/01/02          0
    0415170224                           N            11/01/32
    0

    8110685          B57/G02             F          428,000.00         ZZ
                                         360        428,000.00          1
                                       6.375          2,670.16         80
                                       6.125          2,670.16
    LOS ANGELES      CA   90064          5            10/07/02         00
    0434796306                           05           12/01/02          0
    10006124                             O            11/01/32
    0

    8111355          N47/G02             F          619,850.00         ZZ
                                         360        619,850.00          1
                                       6.375          3,867.06         75
                                       6.125          3,867.06
    PALOS VERDES ES  CA   90274          1            10/07/02         00
    0434778122                           05           12/01/02          0
    30520268                             O            11/01/32
    0

    8111517          N47/G02             F          550,000.00         ZZ
                                         360        550,000.00          1
                                       6.250          3,386.44         56
                                       6.000          3,386.44
    LOS ALTOS        CA   94024          2            10/01/02         00
    0434778817                           05           12/01/02          0
    20620139                             O            11/01/32
    0

    8112025          M27/G02             F          335,000.00         ZZ
                                         360        335,000.00          1
1

                                       6.500          2,117.43         56
                                       6.250          2,117.43
    CRAMERTON        NC   28032          5            10/04/02         00
    0434827853                           03           12/01/02          0
    06008215114                          O            11/01/32
    0

    8113705          N67/G02             F          390,000.00         ZZ
                                         360        388,839.97          1
                                       6.875          2,562.02         78
                                       6.625          2,562.02
    SCOTTSDALE       AZ   85255          2            08/19/02         00
    0434746376                           03           10/01/02          0
    1760002885A                          O            09/01/32
    0

    8113813          N67/G02             F           91,000.00         T
                                         360         90,802.86          1
                                       7.875            659.81         65
                                       7.625            659.81
    BRENTON          KY   42025          1            09/05/02         00
    0434747002                           05           10/01/02          0
    1781003094A                          O            09/01/32
    0

    8113965          N67/G02             F           76,050.00         ZZ
                                         360         76,002.74          1
                                       8.375            578.03         90
                                       8.125            578.03
    HIXSON           TN   37343          1            09/06/02         01
    0434748687                           05           11/01/02         30
    3254001844A                          O            10/01/32
    0

    8114137          N67/G02             F          202,400.00         ZZ
                                         360        202,253.50          1
                                       7.625          1,432.58         80
                                       7.375          1,432.58
    BROOMFIELD       CO   80020          1            09/12/02         00
    0434750618                           03           11/01/02          0
    1162000267A                          O            10/01/32
    0

    8114147          N67/G02             F           42,300.00         ZZ
                                         360         42,271.62          1
                                       8.000            310.38         90
                                       7.750            310.38
    SAINT GEORGE     UT   84770          1            09/10/02         12
    0434750782                           03           11/01/02         30
1

    1162000333A                          O            10/01/32
    0

    8114169          N67/G02             F          383,900.00         ZZ
                                         360        382,885.38          1
                                       6.375          2,395.04         62
                                       6.125          2,395.04
    RENO             NV   89509          2            08/23/02         00
    0434751186                           03           10/01/02          0
    1260004758A                          O            09/01/32
    0

    8114211          N67/G02             F          100,250.00         T
                                         360        100,179.25          1
                                       7.750            718.20         90
                                       7.500            718.20
    BLUFFTON         SC   29910          1            09/12/02         01
    0434751780                           03           11/01/02         30
    3261001691A                          O            10/01/32
    0

    8114215          N67/G02             F          391,500.00         ZZ
                                         360        391,011.63          3
                                       8.375          2,975.68         90
                                       8.125          2,975.68
    GUTTENBERG       NJ   07093          1            09/03/02         12
    0434751855                           05           10/01/02         30
    3261001714A                          O            09/01/32
    0

    8114245          N67/G02             F          367,200.00         ZZ
                                         360        366,653.26          1
                                       7.500          2,567.52         87
                                       7.250          2,567.52
    VALHALLA         NY   10595          1            09/05/02         12
    0434752192                           05           10/01/02         35
    3261001874A                          O            09/01/32
    0

    8114609          N67/G02             F          202,500.00         T
                                         360        202,360.64          1
                                       7.875          1,468.27         90
                                       7.625          1,468.27
    FORT LAUDERDALE  FL   33308          1            09/10/02         10
    0434758173                           05           11/01/02         30
    3274004209A                          O            10/01/32
    0

1

    8114879          A39/G02             F          364,000.00         ZZ
                                         360        364,000.00          1
                                       6.375          2,270.89         80
                                       6.125          2,270.89
    SIMI VALLEY      CA   93063          5            10/07/02         00
    0434772026                           05           12/01/02          0
    2201712RFC                           O            11/01/32
    0

    8114913          X19/G02             F          344,000.00         ZZ
                                         360        344,000.00          1
                                       6.375          2,146.11         80
                                       6.125          2,146.11
    GREENBURGH       NY   10706          5            10/15/02         00
    0434783155                           05           12/01/02          0
    22090805                             O            11/01/32
    0

    8114937          U05/G02             F          331,000.00         ZZ
                                         360        331,000.00          1
                                       6.500          2,092.15         86
                                       6.250          2,092.15
    COLUMBIA         MD   21044          2            10/03/02         10
    0434773776                           05           12/01/02         25
    3265055                              O            11/01/32
    0

    8115115          737/G02             F          273,600.00         ZZ
                                         360        273,406.90          4
                                       7.750          1,960.10         90
                                       7.500          1,960.10
    NEW ORLEANS      LA   70115          1            10/01/02         12
    0434779310                           05           11/01/02         25
    2087957                              N            10/01/32
    0

    8115211          R65/G02             F          463,000.00         ZZ
                                         360        463,000.00          1
                                       6.375          2,888.52         75
                                       6.125          2,888.52
    WEST WINDSOR     NJ   08550          5            10/09/02         00
    0434778916                           05           12/01/02          0
    41798900004179                       O            11/01/32
    0

    8115571          M27/G02             F          648,750.00         ZZ
                                         360        648,204.97          1
                                       6.875          4,261.83         75
                                       6.625          4,261.83
1

    GERMANTOWN       TN   38139          5            09/30/02         00
    0434803201                           05           11/01/02          0
    0600820763                           O            10/01/32
    0

    8115653          F60/G02             F           68,000.00         ZZ
                                         360         67,952.01          1
                                       7.750            487.16         76
                                       7.500            487.16
    NEW ORLEANS      LA   70119          5            09/30/02         00
    0434707691                           05           11/01/02          0
    WILLIAMS447484                       N            10/01/32
    0

    8115779          E82/G02             F          347,500.00         ZZ
                                         360        347,500.00          1
                                       6.625          2,225.08         64
                                       6.375          2,225.08
    BEULAH           CO   81023          2            10/11/02         00
    0400679064                           05           12/01/02          0
    0400679064                           O            11/01/32
    0

    8115811          H58/G02             F          412,000.00         ZZ
                                         360        411,599.56          1
                                       6.125          2,503.36         49
                                       5.875          2,503.36
    SAN DIEGO        CA   92130          2            09/30/02         00
    0434775318                           03           11/01/02          0
    0000112314                           O            10/01/32
    0

    8116197          E22/G02             F          400,000.00         ZZ
                                         360        400,000.00          1
                                       6.875          2,627.72         74
                                       6.625          2,627.72
    PETALUMA         CA   94952          2            10/03/02         00
    0414799650                           05           12/01/02          0
    0414799650                           N            11/01/32
    0

    8116199          E22/G02             F          377,150.00         ZZ
                                         360        377,150.00          1
                                       6.750          2,446.19         78
                                       6.500          2,446.19
    FLOWER MOUND     TX   75022          5            10/10/02         00
    0414803973                           05           12/01/02          0
    0414803973                           O            11/01/32
    0
1

    8116267          E22/G02             F          396,000.00         ZZ
                                         360        396,000.00          1
                                       6.625          2,535.63         80
                                       6.375          2,535.63
    HOUSTON          TX   77025          5            10/10/02         00
    0414909663                           05           12/01/02          0
    0414909663                           O            11/01/32
    0

    8116365          E22/G02             F          331,452.00         ZZ
                                         360        331,452.00          1
                                       6.375          2,067.83         78
                                       6.125          2,067.83
    REDMOND          WA   98052          1            10/08/02         00
    0415051010                           05           12/01/02          0
    0415051010                           O            11/01/32
    0

    8116375          E22/G02             F          337,800.00         ZZ
                                         360        337,800.00          1
                                       6.375          2,107.43         64
                                       6.125          2,107.43
    DALY CITY        CA   94015          2            10/02/02         00
    0415057660                           05           12/01/02          0
    0415057660                           O            11/01/32
    0

    8116421          E22/G02             F           78,280.00         ZZ
                                         360         78,280.00          1
                                       7.875            567.58         95
                                       7.625            567.58
    AURORA           CO   80017          1            10/16/02         01
    0415093707                           09           12/01/02         30
    0415093707                           O            11/01/32
    0

    8116425          E22/G02             F           36,000.00         ZZ
                                         360         36,000.00          1
                                       7.875            261.02         90
                                       7.625            261.02
    OMAHA            NE   68111          1            10/16/02         04
    0415097260                           05           12/01/02         25
    0415097260                           N            11/01/32
    0

    8116467          E22/G02             F           30,150.00         ZZ
                                         360         30,150.00          1
1

                                       7.875            218.61         90
                                       7.625            218.61
    OMAHA            NE   68111          1            10/16/02         04
    0415117290                           05           12/01/02         25
    0415117290                           N            11/01/32
    0

    8116475          E22/G02             F           66,500.00         ZZ
                                         360         66,500.00          1
                                       7.875            482.17         74
                                       7.625            482.17
    PUEBLO           CO   81004          2            10/16/02         00
    0415128982                           05           12/01/02          0
    0415128982                           N            11/01/32
    0

    8116755          N67/G02             F          155,000.00         ZZ
                                         360        154,791.29          1
                                       8.000          1,137.34         56
                                       7.750          1,137.34
    HUNTERSVILLE     NC   28078          1            08/30/02         00
    0434754297                           03           10/01/02          0
    3255003153A                          O            09/01/32
    0

    8116795          N67/G02             F          191,250.00         ZZ
                                         360        191,111.57          2
                                       7.625          1,353.66         75
                                       7.375          1,353.66
    JAMAICA          NY   11433          2            09/18/02         00
    0434774295                           05           11/01/02          0
    3261001845A                          O            10/01/32
    0

    8117563          N67/G02             F          334,800.00         ZZ
                                         360        334,569.60          2
                                       7.875          2,427.53         90
                                       7.625          2,427.53
    CHICAGO          IL   60660          1            09/30/02         10
    0434761706                           05           11/01/02         30
    3262002886A                          O            10/01/32
    0

    8117825          N67/G02             F          760,000.00         ZZ
                                         360        759,278.88          1
                                       6.250          4,679.45         73
                                       6.000          4,679.45
    SCOTTSDALE       AZ   85259          2            09/23/02         00
    0434760922                           03           11/01/02          0
1

    1781003078A                          O            10/01/32
    0

    8117897          P01/G02             F           61,200.00         ZZ
                                         360         61,200.00          2
                                       7.625            433.17         90
                                       7.375            433.17
    SCHENECTADY      NY   12305          1            10/11/02         04
    0434779567                           05           12/01/02         25
    02003137                             N            11/01/32
    0

    8117985          757/G02             F          323,200.00         ZZ
                                         360        323,200.00          1
                                       6.500          2,042.84         76
                                       6.250          2,042.84
    SCHAUMBURG       IL   60193          5            10/08/02         00
    0434783593                           05           12/01/02          0
    1000916153                           O            11/01/32
    0

    8118105          P01/G02             F           67,207.00         ZZ
                                         360         67,207.00          2
                                       7.625            475.69         90
                                       7.375            475.69
    SCHENECTADY      NY   12308          1            10/11/02         04
    0434741336                           05           12/01/02         25
    02003135                             N            11/01/32
    0

    8118131          W77/G02             F           69,210.00         ZZ
                                         360         69,210.00          4
                                       7.875            501.82         90
                                       7.625            501.82
    BATON ROUGE      LA   70820          1            10/09/02         01
    0434779658                           05           12/01/02         25
    W0209003                             N            11/01/32
    0

    8118135          P01/G02             F           54,630.00         ZZ
                                         360         54,630.00          2
                                       7.625            386.67         90
                                       7.375            386.67
    SCHENECTADY      NY   12305          1            10/11/02         04
    0434779906                           05           12/01/02         30
    02003134                             N            11/01/32
    0

1

    8118141          P01/G02             F           56,250.00         ZZ
                                         360         56,250.00          2
                                       7.625            398.14         90
                                       7.375            398.14
    SCHENECTADY      NY   12308          1            10/11/02         04
    0434780110                           05           12/01/02         25
    02003136                             N            11/01/32
    0

    8118177          N47/G02             F          387,000.00         ZZ
                                         360        387,000.00          1
                                       6.625          2,478.00         79
                                       6.375          2,478.00
    MILPITAS         CA   95035          2            10/03/02         00
    0434778866                           01           12/01/02          0
    20620309                             O            11/01/32
    0

    8118319          P44/G02             F          584,000.00         ZZ
                                         360        584,000.00          1
                                       6.750          3,787.81         78
                                       6.500          3,787.81
    DENNIS           MA   02638          5            10/08/02         00
    0434787701                           05           12/01/02          0
    0011733                              O            11/01/32
    0

    8118403          K15/G02             F           89,100.00         ZZ
                                         360         89,100.00          1
                                       7.750            638.32         90
                                       7.500            638.32
    WATERVLIET       MI   49098          5            10/09/02         41
    0434781068                           05           12/01/02         25
    035905305773                         O            11/01/32
    0

    8118655          511/511             F          358,000.00         ZZ
                                         360        357,691.77          1
                                       6.750          2,321.98         69
                                       6.500          2,321.98
    MC LEAN          VA   22101          2            09/26/02         00
    0002763141                           05           11/01/02          0
    0002763141                           O            10/01/32
    0

    8118701          944/G02             F          365,000.00         ZZ
                                         360        365,000.00          1
                                       6.375          2,277.13         73
                                       6.125          2,277.13
1

    DARIEN           IL   60526          2            10/10/02         00
    0434765665                           05           12/01/02          0
    W02028740                            O            11/01/32
    0

    8118773          950/G02             F          479,960.00         ZZ
                                         360        479,546.77          1
                                       6.750          3,113.01         80
                                       6.500          3,113.01
    WOODINVILLE      WA   98072          1            09/18/02         00
    0434785093                           03           11/01/02          0
    E1207196                             O            10/01/32
    0

    8118827          588/G02             F          390,000.00         ZZ
                                         360        389,638.79          1
                                       6.375          2,433.09         80
                                       6.125          2,433.09
    BYRN MAWR        PA   19010          1            09/25/02         00
    0434756185                           05           11/01/02          0
    1072653                              O            10/01/32
    0

    8118867          N47/G02             F          392,000.00         ZZ
                                         360        392,000.00          1
                                       6.125          2,381.83         80
                                       5.875          2,381.83
    CARLSBAD         CA   92008          2            10/02/02         00
    0434791984                           03           12/01/02          0
    30520238                             O            11/01/32
    0

    8119181          588/G02             F          508,000.00         ZZ
                                         360        507,529.49          1
                                       6.375          3,169.26         80
                                       6.125          3,169.26
    GAITHERSBURG     MD   20879          1            09/27/02         00
    0434758934                           03           11/01/02          0
    1074721                              O            10/01/32
    0

    8119237          W77/G02             F          373,000.00         ZZ
                                         360        372,654.53          1
                                       6.375          2,327.03         78
                                       6.125          2,327.03
    LAKE CHARLES     LA   70605          2            09/30/02         00
    0434783734                           05           11/01/02          0
    W0209072                             O            10/01/32
    0
1

    8119371          F89/G02             F          487,000.00         ZZ
                                         360        487,000.00          1
                                       6.250          2,998.54         72
                                       6.000          2,998.54
    CANYON LAKE      CA   92587          1            10/01/02         00
    0434773800                           03           12/01/02          0
    23126                                O            11/01/32
    0

    8119771          U05/G02             F          328,000.00         ZZ
                                         360        327,717.60          1
                                       6.750          2,127.40         80
                                       6.500          2,127.40
    HAYWARD          CA   94544          1            09/23/02         00
    0434825055                           05           11/01/02          0
    3258711                              O            10/01/32
    0

    8120657          E22/G02             F          400,000.00         ZZ
                                         360        400,000.00          1
                                       6.750          2,594.39         80
                                       6.500          2,594.39
    GRASS VALLEY     CA   95949          5            10/11/02         00
    0414831016                           05           12/01/02          0
    0414831016                           O            11/01/32
    0

    8120849          E22/G02             F          473,000.00         ZZ
                                         360        473,000.00          1
                                       6.375          2,950.90         58
                                       6.125          2,950.90
    SAN JOSE         CA   95125          5            10/08/02         00
    0414973347                           05           12/01/02          0
    0414973347                           O            11/01/32
    0

    8121045          P09/G02             F          357,000.00         ZZ
                                         360        357,000.00          1
                                       6.750          2,315.50         76
                                       6.500          2,315.50
    SILVER SPRING    MD   20904          5            10/07/02         00
    0434785218                           05           12/01/02          0
    R0207501                             O            11/01/32
    0

    8121063          S11/G02             F          465,000.00         ZZ
                                         360        465,000.00          1
1

                                       6.375          2,901.00         62
                                       6.125          2,901.00
    LAGUNA NIGUEL    CA   92677          2            10/04/02         00
    0434792156                           03           12/01/02          0
    10320500                             O            11/01/32
    0

    8121103          E22/G02             F          364,000.00         ZZ
                                         360        364,000.00          1
                                       6.500          2,300.73         80
                                       6.250          2,300.73
    VALENCIA         CA   91354          1            10/12/02         00
    0415096643                           03           12/01/02          0
    0415096643                           O            11/01/32
    0

    8121113          E22/G02             F          318,750.00         ZZ
                                         360        318,750.00          1
                                       6.625          2,040.99         75
                                       6.375          2,040.99
    GIG HARBOR       WA   98335          5            10/09/02         00
    0415104009                           05           12/01/02          0
    0415104009                           O            11/01/32
    0

    8121129          E22/G02             F          367,950.00         ZZ
                                         360        367,950.00          1
                                       6.375          2,295.53         80
                                       6.125          2,295.53
    RICHMOND         CA   94803          1            10/11/02         00
    0415109891                           05           12/01/02          0
    0415109891                           O            11/01/32
    0

    8121211          E22/G02             F          292,500.00         ZZ
                                         360        292,500.00          2
                                       7.875          2,120.83         90
                                       7.625          2,120.83
    EAST RUTHERFORD  NJ   07073          1            10/17/02         01
    0415126341                           05           12/01/02         25
    0415126341                           N            11/01/32
    0

    8121237          E22/G02             F          312,000.00         ZZ
                                         360        312,000.00          1
                                       6.250          1,921.04         80
                                       6.000          1,921.04
    PUEBLO WEST      CO   81007          5            10/17/02         00
    0415136720                           05           12/01/02          0
1

    0415136720                           O            11/01/32
    0

    8121261          E22/G02             F          464,000.00         ZZ
                                         360        464,000.00          1
                                       6.125          2,819.31         80
                                       5.875          2,819.31
    JUPITER          FL   33469          5            10/11/02         00
    0415170943                           05           12/01/02          0
    0415170943                           O            11/01/32
    0

    8122891          U05/G02             F          412,000.00         ZZ
                                         360        411,636.50          1
                                       6.625          2,638.08         80
                                       6.375          2,638.08
    FRISCO           TX   75034          5            09/25/02         00
    0434784765                           03           11/01/02          0
    3265811                              O            10/01/32
    0

    8122919          405/405             F          649,600.00         ZZ
                                         360        648,450.58          1
                                       6.625          4,159.46         80
                                       6.125          4,159.46
    ATLANTA          GA   30328          5            08/19/02         00
    0013473285                           03           10/01/02          0
    0013473285                           O            09/01/32
    0

    8122931          405/405             F          629,250.00         ZZ
                                         360        628,681.15          1
                                       6.500          3,977.29         75
                                       6.000          3,977.29
    HILLSBORO        OR   97123          2            09/02/02         00
    0013572888                           05           11/01/02          0
    0013572888                           O            10/01/32
    0

    8122943          405/405             F          372,000.00         ZZ
                                         360        371,679.71          1
                                       6.750          2,412.79         80
                                       6.250          2,412.79
    SAN FRANCISCO    CA   94132          2            09/05/02         00
    0018664532                           05           11/01/02          0
    0018664532                           O            10/01/32
    0

1

    8122981          405/405             F          364,000.00         ZZ
                                         360        363,686.60          1
                                       6.750          2,360.90         80
                                       6.250          2,360.90
    CAMPBELL         CA   95008          2            09/11/02         00
    0018722371                           03           11/01/02          0
    0018722371                           O            10/01/32
    0

    8123035          405/405             F          459,000.00         ZZ
                                         360        458,604.81          1
                                       6.750          2,977.07         74
                                       6.250          2,977.07
    SAN JUAN CAPIST  CA   92675          5            09/14/02         00
    0018779488                           05           11/01/02          0
    0018779488                           O            10/01/32
    0

    8123041          405/405             F          510,000.00         ZZ
                                         360        509,538.95          1
                                       6.500          3,223.55         75
                                       6.000          3,223.55
    LOS ANGELES      CA   90066          5            09/12/02         00
    0018783506                           05           11/01/02          0
    0018783506                           O            10/01/32
    0

    8123075          405/405             F          368,000.00         ZZ
                                         360        367,667.32          1
                                       6.500          2,326.01         80
                                       6.000          2,326.01
    SAN DIEGO        CA   92128          5            09/13/02         00
    0018818732                           03           11/01/02          0
    0018818732                           O            10/01/32
    0

    8123077          405/405             F          470,000.00         ZZ
                                         360        469,575.11          1
                                       6.500          2,970.72         71
                                       6.000          2,970.72
    KENSINGTON       CA   94707          5            09/19/02         00
    0018818880                           05           11/01/02          0
    0018818880                           O            10/01/32
    0

    8123099          405/405             F          480,000.00         ZZ
                                         360        479,566.07          1
                                       6.500          3,033.93         75
                                       6.000          3,033.93
1

    LA CANADA FLINT  CA   91011          5            09/20/02         00
    0018834655                           05           11/01/02          0
    0018834655                           O            10/01/32
    0

    8123105          405/405             F          599,000.00         ZZ
                                         360        598,445.20          1
                                       6.375          3,736.99         72
                                       6.000          3,736.99
    LOS ANGELES      CA   91436          1            09/25/02         00
    0018861385                           05           11/01/02          0
    0018861385                           O            10/01/32
    0

    8123113          405/405             F          464,000.00         ZZ
                                         360        459,587.05          1
                                       6.875          3,048.15         80
                                       6.375          3,048.15
    LOS ANGELES      CA   91402          1            11/19/01         00
    0019978402                           05           01/01/02          0
    0019978402                           O            12/01/31
    0

    8123135          405/405             F          416,000.00         ZZ
                                         360        415,641.83          1
                                       6.750          2,698.17         80
                                       6.250          2,698.17
    LOS ANGELES      CA   90024          1            09/13/02         00
    0060114600                           01           11/01/02          0
    0060114600                           O            10/01/32
    0

    8123137          405/405             F          487,200.00         ZZ
                                         360        486,759.56          1
                                       6.500          3,079.44         80
                                       6.000          3,079.44
    UNION CITY       CA   94587          1            09/18/02         00
    0060121241                           05           11/01/02          0
    0060121241                           O            10/01/32
    0

    8123143          405/405             F          645,000.00         ZZ
                                         360        644,444.67          1
                                       6.750          4,183.46         74
                                       6.250          4,183.46
    ROLLING HILLS E  CA   90274          5            09/13/02         00
    0060128873                           05           11/01/02          0
    0060128873                           O            10/01/32
    0
1

    8126135          X19/G02             F           44,000.00         ZZ
                                         360         44,000.00          1
                                       7.750            315.22         80
                                       7.500            315.22
    BRIDGEPORT       CT   06608          1            10/17/02         00
    0434797429                           01           12/01/02          0
    22-091601                            N            11/01/32
    0

    8127897          N67/G02             F           52,200.00         ZZ
                                         360         52,162.22          2
                                       7.625            369.47         90
                                       7.375            369.47
    TULSA            OK   74104          1            09/16/02         10
    0434745063                           05           11/01/02         30
    1161002289A                          O            10/01/32
    0

    8127915          N67/G02             F           94,400.00         ZZ
                                         360         94,335.03          1
                                       7.875            684.47         80
                                       7.625            684.47
    LEBANON          MO   65536          1            09/17/02         00
    0434745162                           05           11/01/02          0
    1161001888A                          O            10/01/32
    0

    8127971          N67/G02             F          523,000.00         ZZ
                                         360        522,503.76          1
                                       6.250          3,220.20         66
                                       6.000          3,220.20
    SCOTTSDALE       AZ   85255          2            09/11/02         00
    0434745592                           01           11/01/02          0
    1760003032A                          O            10/01/32
    0

    8127973          N67/G02             F          448,600.00         ZZ
                                         360        448,194.46          1
                                       6.500          2,835.46         77
                                       6.250          2,835.46
    SCOTTSDALE       AZ   85260          2            09/10/02         00
    0434745600                           03           11/01/02          0
    1760003041A                          O            10/01/32
    0

    8128117          N67/G02             F           88,200.00         ZZ
                                         360         88,136.17          1
1

                                       7.625            624.27         90
                                       7.375            624.27
    GAINESVILLE      GA   30501          1            09/13/02         10
    0434746632                           05           11/01/02         30
    3252002937A                          O            10/01/32
    0

    8128189          N67/G02             F          132,000.00         ZZ
                                         360        131,909.16          1
                                       7.875            957.09         80
                                       7.625            957.09
    BOYNTON BEACH    FL   33436          1            09/16/02         00
    0434747424                           05           11/01/02          0
    3254001888A                          O            10/01/32
    0

    8128193          X05/G02             F          408,000.00         ZZ
                                         360        408,000.00          1
                                       6.500          2,578.84         80
                                       6.250          2,578.84
    COSTA MESA       CA   92627          5            10/03/02         00
    0434801957                           05           12/01/02          0
    1209050                              O            11/01/32
    0

    8128459          N67/G02             F          270,900.00         ZZ
                                         360        270,722.80          1
                                       8.125          2,011.42         90
                                       7.875          2,011.42
    BALDWIN          NY   11510          1            09/17/02         01
    0434750600                           05           11/01/02         30
    3264001226A                          O            10/01/32
    0

    8128495          N67/G02             F          120,000.00         ZZ
                                         360        119,838.42          1
                                       8.000            880.52         80
                                       7.750            880.52
    CHICAGO          IL   60652          5            08/30/02         00
    0434751251                           05           10/01/02          0
    3265003257A                          N            09/01/32
    0

    8128501          N67/G02             F           60,000.00         ZZ
                                         360         59,963.65          1
                                       8.500            461.35         68
                                       8.250            461.35
    HAMMOND          IN   46324          5            08/30/02         00
    0434751327                           05           11/01/02          0
1

    3265003280A                          O            10/01/32
    0

    8128533          N67/G02             F          238,500.00         ZZ
                                         360        238,339.97          1
                                       8.000          1,750.03         90
                                       7.750          1,750.03
    BROOKLYN         NY   11234          1            09/18/02         12
    0434751863                           05           11/01/02         30
    3274003332A                          O            10/01/32
    0

    8128553          N67/G02             F          234,000.00         ZZ
                                         360        233,830.64          1
                                       7.625          1,656.24         90
                                       7.375          1,656.24
    ELMONT           NY   11003          1            09/20/02         10
    0434752093                           05           11/01/02         30
    3274003618A                          O            10/01/32
    0

    8128567          N67/G02             F          122,500.00         ZZ
                                         360        122,419.87          1
                                       8.125            909.56         77
                                       7.875            909.56
    WOODBOURNE       NY   12788          1            09/04/02         00
    0434752226                           05           11/01/02          0
    3274003824A                          O            10/01/32
    0

    8128573          N67/G02             F           40,800.00         ZZ
                                         360         40,750.38          2
                                       8.500            313.72         85
                                       8.250            313.72
    RICHMOND         VA   23222          1            09/04/02         12
    0434756045                           05           10/01/02         25
    3274003860A                          N            09/01/32
    0

    8128575          N67/G02             F           40,800.00         ZZ
                                         360         40,750.38          2
                                       8.500            313.72         85
                                       8.250            313.72
    RICHMOND         VA   23224          1            09/04/02         12
    0434756060                           05           10/01/02         25
    3274003861A                          N            09/01/32
    0

1

    8128635          N67/G02             F          171,000.00         ZZ
                                         360        170,890.96          3
                                       8.250          1,284.67         90
                                       8.000          1,284.67
    CRANSTON         RI   02905          1            09/17/02         10
    0434752994                           05           11/01/02         30
    3274004477A                          O            10/01/32
    0

    8128639          N67/G02             F          312,000.00         ZZ
                                         360        311,790.65          2
                                       8.000          2,289.35         80
                                       7.750          2,289.35
    BROOKLYN         NY   11206          1            09/12/02         00
    0434753034                           05           11/01/02          0
    3274004504A                          O            10/01/32
    0

    8129175          X80/G02             F          500,000.00         ZZ
                                         360        500,000.00          1
                                       6.375          3,119.35         75
                                       6.125          3,119.35
    NEWBURY PARK     CA   91320          2            10/02/02         00
    0434791646                           03           12/01/02          0
    1410055315                           O            11/01/32
    0

    8129959          E22/G02             F          137,674.00         ZZ
                                         360        137,674.00          1
                                       7.875            998.23         90
                                       7.625            998.23
    WENTZVILLE       MO   63385          1            10/18/02         04
    0414871541                           05           12/01/02         30
    0414871541                           O            11/01/32
    0

    8130045          E22/G02             F           76,075.00         ZZ
                                         360         76,075.00          1
                                       7.625            538.45         85
                                       7.375            538.45
    RICE             VA   23966          1            10/18/02         01
    0415018670                           05           12/01/02         25
    0415018670                           O            11/01/32
    0

    8130053          E22/G02             F          135,891.00         ZZ
                                         360        135,891.00          1
                                       7.875            985.30         90
                                       7.625            985.30
1

    MIRAMAR          FL   33027          1            10/18/02         11
    0415026475                           01           12/01/02         25
    0415026475                           N            11/01/32
    0

    8130147          E22/G02             F          316,000.00         ZZ
                                         360        316,000.00          1
                                       6.375          1,971.43         80
                                       6.125          1,971.43
    KELLER           TX   76248          2            10/18/02         00
    0415111236                           03           12/01/02          0
    0415111236                           O            11/01/32
    0

    8130205          E22/G02             F          403,100.00         ZZ
                                         360        403,100.00          1
                                       6.375          2,514.82         90
                                       6.125          2,514.82
    MIRAMAR          FL   33029          1            10/18/02         01
    0414463414                           03           12/01/02         25
    0414463414                           O            11/01/32
    0

    8130261          E22/G02             F          435,000.00         ZZ
                                         360        435,000.00          1
                                       6.500          2,749.50         80
                                       6.250          2,749.50
    PENRYN           CA   95663          1            10/14/02         00
    0414985093                           05           12/01/02          0
    0414985093                           O            11/01/32
    0

    8130403          E22/G02             F          348,000.00         ZZ
                                         360        348,000.00          1
                                       6.375          2,171.07         80
                                       6.125          2,171.07
    TORRANCE         CA   90503          1            10/12/02         00
    0415032358                           05           12/01/02          0
    0415032358                           O            11/01/32
    0

    8130749          K39/G02             F           92,000.00         ZZ
                                         360         91,935.07          1
                                       7.750            659.10         77
                                       7.500            659.10
    BLACK JACK       MO   63033          5            10/07/02         00
    0434779054                           05           11/07/02          0
    435780940                            N            10/07/32
    0
1

    8131333          356/356             F          414,000.00         ZZ
                                         360        414,000.00          1
                                       6.500          2,616.77         73
                                       6.250          2,616.77
    SAN JOSE         CA   95136          2            09/30/02         00
    28929610                             05           12/01/02          0
    28929610                             O            11/01/32
    0

    8131941          U05/G02             F          372,000.00         ZZ
                                         360        372,000.00          1
                                       6.750          2,412.78         80
                                       6.500          2,412.78
    CONCORD          CA   94521          5            10/03/02         00
    0434791851                           05           12/01/02          0
    3267631                              O            11/01/32
    0

    8132147          X51/G02             F          610,000.00         ZZ
                                         360        610,000.00          1
                                       6.500          3,855.61         77
                                       6.250          3,855.61
    SAN CARLOS       CA   94070          2            10/05/02         00
    0434804035                           05           12/01/02          0
    R2053747                             O            11/01/32
    0

    8132293          956/G02             F          327,000.00         ZZ
                                         360        326,697.14          1
                                       6.375          2,040.05         52
                                       6.125          2,040.05
    OAKLAND          CA   94611          2            09/18/02         00
    0434789665                           05           11/01/02          0
    4512090097                           O            10/01/32
    0

    8132299          956/G02             F          348,000.00         ZZ
                                         360        347,051.08          1
                                       6.500          2,199.60         80
                                       6.250          2,199.60
    GRANADA HILLS    CA   91344          2            08/21/02         00
    0434804902                           05           10/01/02          0
    1112080568                           O            09/01/32
    0

    8132305          956/G02             F          394,000.00         ZZ
                                         360        393,652.38          1
1

                                       6.625          2,522.83         80
                                       6.375          2,522.83
    PACIFICA         CA   94044          2            09/11/02         00
    0434804662                           05           11/01/02          0
    1112080678                           O            10/01/32
    0

    8132347          956/G02             F          356,000.00         ZZ
                                         360        355,685.91          1
                                       6.625          2,279.51         54
                                       6.375          2,279.51
    SAN JOSE         CA   95132          2            09/17/02         00
    0434804324                           05           11/01/02          0
    1512080113                           O            10/01/32
    0

    8132349          956/G02             F          375,000.00         ZZ
                                         360        374,652.68          1
                                       6.375          2,339.51         50
                                       6.125          2,339.51
    SAN DIEGO        CA   92130          2            09/17/02         00
    0434785978                           05           11/01/02          0
    1512080120                           O            10/01/32
    0

    8132359          956/G02             F          330,000.00         ZZ
                                         360        329,701.68          1
                                       6.500          2,085.82         53
                                       6.250          2,085.82
    REDWOOD CITY     CA   94062          2            09/24/02         00
    0434785713                           05           11/01/02          0
    1512090145                           O            10/01/32
    0

    8132411          956/G02             F          372,000.00         ZZ
                                         360        372,000.00          1
                                       6.250          2,290.47         80
                                       6.000          2,290.47
    WEST COVINA      CA   91791          1            10/01/02         00
    0434804746                           05           12/01/02          0
    2912080180                           O            11/01/32
    0

    8132413          956/G02             F          330,000.00         ZZ
                                         360        329,686.88          1
                                       6.250          2,031.87         70
                                       6.000          2,031.87
    SANTA CLARITA    CA   91387          2            09/19/02         00
    0434788030                           03           11/01/02          0
1

    2912080181                           O            10/01/32
    0

    8132431          956/G02             F          380,000.00         ZZ
                                         360        379,656.47          1
                                       6.500          2,401.86         40
                                       6.250          2,401.86
    BURLINGAME       CA   94010          5            09/24/02         00
    0434801767                           05           11/01/02          0
    112080564                            O            10/01/32
    0

    8132433          956/G02             F          343,000.00         ZZ
                                         360        342,674.55          1
                                       6.250          2,111.91         69
                                       6.000          2,111.91
    SAN DIEGO        CA   92130          2            09/26/02         00
    0434806980                           03           11/01/02          0
    112090016                            O            10/01/32
    0

    8132441          956/G02             F          326,300.00         ZZ
                                         360        326,300.00          1
                                       6.500          2,062.44         61
                                       6.250          2,062.44
    SAN JOSE         CA   95111          2            10/01/02         00
    0434806881                           05           12/01/02          0
    112090376                            O            11/01/32
    0

    8132447          956/G02             F          336,000.00         ZZ
                                         360        335,696.25          1
                                       6.500          2,123.75         75
                                       6.250          2,123.75
    SAN RAMON        CA   94583          2            09/25/02         00
    0434787818                           05           11/01/02          0
    212080253                            O            10/01/32
    0

    8132455          956/G02             F          437,000.00         ZZ
                                         360        437,000.00          1
                                       6.625          2,798.16         77
                                       6.375          2,798.16
    OAKLAND          CA   94611          2            10/01/02         00
    0434791729                           05           12/01/02          0
    312080311                            O            11/01/32
    0

1

    8132491          956/G02             F          347,000.00         ZZ
                                         360        346,686.30          1
                                       6.500          2,193.28         75
                                       6.250          2,193.28
    FREMONT          CA   94536          2            09/27/02         00
    0434806576                           05           11/01/02          0
    712080270                            O            10/01/32
    0

    8132493          956/G02             F          388,000.00         ZZ
                                         360        387,649.25          1
                                       6.500          2,452.42         74
                                       6.250          2,452.42
    TORRANCE         CA   90505          2            09/17/02         00
    0434804191                           05           11/01/02          0
    712080109                            O            10/01/32
    0

    8132499          956/G02             F          330,000.00         ZZ
                                         360        329,694.36          1
                                       6.375          2,058.77         78
                                       6.125          2,058.77
    SEASIDE          CA   93955          2            09/23/02         00
    0434807319                           05           11/01/02          0
    712080573                            O            10/01/32
    0

    8132505          956/G02             F          391,000.00         ZZ
                                         360        390,646.53          1
                                       6.500          2,471.39         76
                                       6.250          2,471.39
    SAN JOSE         CA   95124          2            09/23/02         00
    0434806998                           05           11/01/02          0
    712090090                            O            10/01/32
    0

    8132509          956/G02             F          467,000.00         ZZ
                                         360        466,567.47          1
                                       6.375          2,913.47         79
                                       6.125          2,913.47
    SAN JOSE         CA   95123          2            09/23/02         00
    0434787503                           05           11/01/02          0
    712090126                            O            10/01/32
    0

    8132705          956/G02             F          452,000.00         ZZ
                                         360        450,032.19          1
                                       6.750          2,931.66         80
                                       6.500          2,931.66
1

    GILBERT          AZ   85234          2            05/20/02         00
    0434839080                           03           07/01/02          0
    1112050437                           O            06/01/32
    0

    8132711          956/G02             F          440,000.00         ZZ
                                         360        438,857.11          1
                                       6.750          2,853.83         80
                                       6.500          2,853.83
    ELMHURST         IL   60126          1            07/03/02         00
    0434839114                           05           09/01/02          0
    2312060067                           O            08/01/32
    0

    8132837          944/G02             F          395,600.00         ZZ
                                         360        395,600.00          1
                                       6.375          2,468.03         86
                                       6.125          2,468.03
    SAN JOSE         CA   95123          5            10/14/02         04
    0434783551                           05           12/01/02         25
    W02030278                            O            11/01/32
    0

    8132843          X75/G02             F          356,000.00         ZZ
                                         360        356,000.00          1
                                       6.250          2,191.95         80
                                       6.000          2,191.95
    BREA             CA   92821          5            10/02/02         00
    0434793329                           05           12/01/02          0
    02090054                             O            11/01/32
    0

    8133227          E82/G02             F          320,000.00         ZZ
                                         360        320,000.00          1
                                       6.875          2,102.17         80
                                       6.625          2,102.17
    TROY             IL   62294          5            10/15/02         00
    0400705406                           05           12/01/02          0
    0400705406                           O            11/01/32
    0

    8133477          P67/G02             F          242,600.00         ZZ
                                         360        242,600.00          3
                                       7.625          1,717.11         59
                                       7.375          1,717.11
    BOSTON           MA   02130          2            10/19/02         00
    0434850194                           05           12/01/02          0
    3107                                 N            11/01/32
    0
1

    8133507          P67/G02             F          262,500.00         ZZ
                                         360        262,500.00          2
                                       7.750          1,880.58         75
                                       7.500          1,880.58
    BOSTON           MA   02131          5            10/19/02         00
    0434837399                           05           12/01/02          0
    2874                                 N            11/01/32
    0

    8133617          E22/G02             F          352,500.00         ZZ
                                         360        352,500.00          1
                                       6.250          2,170.40         55
                                       6.000          2,170.40
    ALBUQUERQUE      NM   87111          2            10/15/02         00
    0414956227                           03           12/01/02          0
    0414956227                           O            11/01/32
    0

    8133661          E22/G02             F          409,695.00         ZZ
                                         360        409,695.00          1
                                       6.500          2,589.55         79
                                       6.250          2,589.55
    ALPINE           WY   83128          5            10/14/02         00
    0415004167                           05           12/01/02          0
    0415004167                           O            11/01/32
    0

    8133789          E22/G02             F          352,000.00         ZZ
                                         360        352,000.00          1
                                       6.500          2,224.88         84
                                       6.250          2,224.88
    LIVERMORE        CA   94550          2            10/14/02         01
    0414853630                           05           12/01/02         12
    0414853630                           O            11/01/32
    0

    8133791          E22/G02             F          455,000.00         ZZ
                                         360        455,000.00          1
                                       6.375          2,838.61         75
                                       6.125          2,838.61
    AUSTIN           TX   78746          5            10/15/02         00
    0414860981                           05           12/01/02          0
    0414860981                           O            11/01/32
    0

    8133937          E22/G02             F          396,000.00         ZZ
                                         360        396,000.00          1
1

                                       6.375          2,470.52         80
                                       6.125          2,470.52
    LONG BEACH       CA   90755          5            10/11/02         00
    0415108687                           05           12/01/02          0
    0415108687                           O            11/01/32
    0

    8133961          E22/G02             F          500,000.00         ZZ
                                         360        500,000.00          2
                                       6.500          3,160.34         73
                                       6.250          3,160.34
    BELMONT          MA   02478          1            10/21/02         00
    0415166586                           05           12/01/02          0
    0415166586                           O            11/01/32
    0

    8133995          E22/G02             F          394,400.00         ZZ
                                         360        394,400.00          1
                                       6.375          2,460.54         80
                                       6.125          2,460.54
    VIRGINIA BEACH   VA   23454          5            10/15/02         00
    0415201219                           05           12/01/02          0
    0415201219                           O            11/01/32
    0

    8134471          E85/G02             F          380,250.00         ZZ
                                         360        380,250.00          1
                                       6.875          2,497.97         77
                                       6.625          2,497.97
    MILL VALLEY      CA   94941          1            10/09/02         00
    0434756979                           05           12/01/02          0
    9615577                              N            11/01/32
    0

    8134505          601/G02             F          458,000.00         ZZ
                                         360        457,615.23          1
                                       6.875          3,008.74         83
                                       6.625          3,008.74
    CARLSBAD         CA   92008          2            09/12/02         11
    0434806592                           03           11/01/02         12
    61758132                             O            10/01/32
    0

    8134517          E85/G02             F          356,000.00         ZZ
                                         360        356,000.00          1
                                       6.375          2,220.98         80
                                       6.125          2,220.98
    SANTA ROSA       CA   95409          5            10/02/02         00
    0434755245                           05           12/01/02          0
1

    9615206                              O            11/01/32
    0

    8134547          601/G02             F          495,000.00         ZZ
                                         360        494,573.81          1
                                       6.750          3,210.57         77
                                       6.500          3,210.57
    SOUIX FALLS      SD   57110          2            09/19/02         00
    0434813739                           05           11/01/02          0
    61765889                             O            10/01/32
    0

    8134613          601/G02             F          104,400.00         ZZ
                                         360        104,326.32          3
                                       7.750            747.94         90
                                       7.500            747.94
    NEW HAVEN        CT   06511          1            09/16/02         04
    0434813598                           05           11/01/02         25
    61768909                             N            10/01/32
    0

    8134653          601/G02             F          386,000.00         ZZ
                                         360        385,349.60          1
                                       6.875          2,535.75         78
                                       6.625          2,535.75
    HEWITT AKA WEST  NJ   07421          2            08/30/02         00
    0434798856                           05           10/01/02          0
    61678975                             O            09/01/32
    0

    8134665          601/G02             F           62,300.00         ZZ
                                         360         62,254.90          2
                                       7.625            440.96         80
                                       7.375            440.96
    SAINT LOUIS      MO   63118          1            09/11/02         00
    0434821625                           05           11/01/02          0
    61811956                             N            10/01/32
    0

    8135371          601/G02             F          385,900.00         ZZ
                                         360        385,542.60          1
                                       6.375          2,407.52         78
                                       6.125          2,407.52
    SWAMPSCOTT       MA   01907          2            09/04/02         00
    0434801981                           05           11/01/02          0
    61737441                             O            10/01/32
    0

1

    8135497          X51/G02             F          520,000.00         ZZ
                                         360        520,000.00          1
                                       6.490          3,283.33         65
                                       6.240          3,283.33
    LONGMONT         CO   80503          5            10/04/02         00
    0434783726                           05           12/01/02          0
    R2053915                             O            11/01/32
    0

    8135537          X17/G02             F          352,000.00         ZZ
                                         360        352,000.00          1
                                       6.500          2,224.88         80
                                       6.250          2,224.88
    CHATHAM          NJ   07928          5            10/10/02         00
    0434796868                           05           12/01/02          0
    020469                               O            11/01/32
    0

    8136387          225/G02             F          900,000.00         ZZ
                                         360        899,166.42          1
                                       6.375          5,614.83         71
                                       6.125          5,614.83
    OAKHURST         NJ   07755          5            09/13/02         00
    0434822045                           05           11/01/02          0
    006208613                            O            10/01/32
    0

    8136845          N47/G02             F          345,000.00         ZZ
                                         360        345,000.00          1
                                       7.375          2,382.83         80
                                       7.125          2,382.83
    RAMONA           CA   92065          2            10/08/02         00
    0434810826                           03           12/01/02          0
    30520154                             O            11/01/32
    0

    8136871          225/G02             F          562,500.00         ZZ
                                         360        561,966.28          1
                                       6.250          3,463.41         75
                                       6.000          3,463.41
    YORBA LINDA      CA   92887          5            08/30/02         00
    0434812970                           05           11/01/02          0
    007394575                            O            10/01/32
    0

    8137155          940/G02             F          383,920.00         ZZ
                                         360        383,920.00          1
                                       6.500          2,426.64         80
                                       6.250          2,426.64
1

    MISSION VIEJO    CA   92691          1            10/10/02         00
    0434812442                           05           12/01/02          0
    40020941                             O            11/01/32
    0

    8137913          X44/G02             F          100,000.00         ZZ
                                         360         99,929.42          1
                                       7.750            716.41         80
                                       7.500            716.41
    TWP OF WILLINGB  NJ   08046          5            09/30/02         00
    0434817151                           05           11/01/02          0
    7142725                              O            10/01/32
    0

    8137961          944/G02             F          502,500.00         ZZ
                                         360        502,500.00          1
                                       6.500          3,176.15         75
                                       6.250          3,176.15
    MISSION VIEJO    CA   92691          1            10/11/02         00
    0434796421                           03           12/01/02          0
    W02031705                            O            11/01/32
    0

    8138013          E22/G02             F          398,000.00         ZZ
                                         360        398,000.00          1
                                       6.500          2,515.63         56
                                       6.250          2,515.63
    NEW LENOX        IL   60451          5            10/17/02         00
    0414642017                           05           12/01/02          0
    0414642017                           O            11/01/32
    0

    8138053          E22/G02             F           68,400.00         ZZ
                                         360         68,400.00          1
                                       7.750            490.03         90
                                       7.500            490.03
    CINCINNATI       OH   45206          1            10/22/02         04
    0414983551                           07           12/01/02         25
    0414983551                           N            11/01/32
    0

    8138079          E22/G02             F          361,000.00         ZZ
                                         360        361,000.00          1
                                       6.625          2,311.52         72
                                       6.375          2,311.52
    MORRISON         CO   80465          2            10/04/02         00
    0415021286                           05           12/01/02          0
    0415021286                           O            11/01/32
    0
1

    8138093          E22/G02             F          650,000.00         ZZ
                                         360        650,000.00          1
                                       6.750          4,215.89         65
                                       6.500          4,215.89
    GLEN HEAD        NY   11545          5            10/17/02         00
    0415056845                           05           12/01/02          0
    0415056845                           O            11/01/32
    0

    8138165          E22/G02             F          500,000.00         ZZ
                                         360        500,000.00          1
                                       6.500          3,160.34         62
                                       6.250          3,160.34
    BERKELEY         CA   94703          5            10/04/02         00
    0415130939                           05           12/01/02          0
    0415130939                           O            11/01/32
    0

    8138169          E22/G02             F          408,000.00         ZZ
                                         360        408,000.00          1
                                       6.500          2,578.84         80
                                       6.250          2,578.84
    HERCULES         CA   94547          2            10/09/02         00
    0415135045                           03           12/01/02          0
    0415135045                           O            11/01/32
    0

    8138193          E22/G02             F           52,250.00         ZZ
                                         360         52,250.00          1
                                       7.750            374.33         95
                                       7.500            374.33
    PLANTERSVILLE    MS   38862          1            10/22/02         10
    0415150978                           05           12/01/02         30
    0415150978                           O            11/01/32
    0

    8138305          E22/G02             F          356,000.00         ZZ
                                         360        356,000.00          1
                                       7.125          2,398.44         80
                                       6.875          2,398.44
    WINDSOR          CA   95492          2            10/04/02         00
    0414902247                           05           12/01/02          0
    0414902247                           O            11/01/32
    0

    8138437          E57/G02             F          384,000.00         ZZ
                                         360        384,000.00          1
1

                                       6.250          2,364.35         80
                                       6.000          2,364.35
    WESTMINISTER     CA   92863          1            10/15/02         00
    0434805263                           05           12/01/02          0
    0601332                              O            11/01/32
    0

    8138897          T29/G02             F          400,000.00         ZZ
                                         360        400,000.00          1
                                       6.375          2,495.48         76
                                       6.125          2,495.48
    IRVINE           CA   92602          2            10/08/02         00
    0434785598                           03           12/01/02          0
    1523751                              O            11/01/32
    0

    8139475          L16/G02             F          630,000.00         ZZ
                                         360        630,000.00          1
                                       6.625          4,033.96         75
                                       6.375          4,033.96
    PROVO            UT   84604          2            10/17/02         00
    0434793907                           05           12/01/02          0
    6752                                 O            11/01/32
    0

    8139521          U05/G02             F          375,000.00         ZZ
                                         360        375,000.00          1
                                       6.500          2,370.26         72
                                       6.250          2,370.26
    LOS ANGELES      CA   90077          5            10/08/02         00
    0434855862                           05           12/01/02          0
    3268149                              O            11/01/32
    0

    8139595          U05/G02             F          376,000.00         ZZ
                                         360        376,000.00          1
                                       6.875          2,470.05         80
                                       6.625          2,470.05
    AUSTIN           TX   78703          5            10/04/02         00
    0434837530                           05           12/01/02          0
    3259140                              O            11/01/32
    0

    8140251          X67/G02             F          112,500.00         ZZ
                                         360        112,418.57          2
                                       7.625            796.27         90
                                       7.375            796.27
    DURHAM           NC   27701          1            10/01/02         12
    0434837654                           05           11/01/02         25
1

    00241192                             N            10/01/32
    0

    8140253          N47/G02             F          318,000.00         ZZ
                                         360        318,000.00          1
                                       6.375          1,983.91         80
                                       6.125          1,983.91
    HUNTINGTON BEAC  CA   92647          5            10/09/02         00
    0434796157                           05           12/01/02          0
    30520217                             O            11/01/32
    0

    8140451          X08/G02             F          373,000.00         ZZ
                                         360        372,054.52          1
                                       6.875          2,450.34         83
                                       6.625          2,450.34
    LIBERTY          UT   84310          2            07/22/02         11
    0434824157                           05           09/01/02         12
    2788797                              O            08/01/32
    0

    8140655          Q30/G02             F          364,000.00         ZZ
                                         360        364,000.00          1
                                       6.750          2,360.90         80
                                       6.500          2,360.90
    PORT WASHINGTON  NY   11050          1            10/22/02         00
    0434820890                           05           12/01/02          0
    21017003                             O            11/01/32
    0

    8140699          W68/G02             F           95,390.00         ZZ
                                         360         95,390.00          1
                                       7.750            683.39         90
                                       7.500            683.39
    RED OAK          TX   75154          1            10/16/02         12
    0434813622                           05           12/01/02         25
    31015                                O            11/01/32
    0

    8141251          E22/G02             F           88,000.00         ZZ
                                         360         88,000.00          1
                                       7.875            638.06         80
                                       7.625            638.06
    CONYERS          GA   30012          2            10/23/02         00
    0414839720                           07           12/01/02          0
    0414839720                           N            11/01/32
    0

1

    8141265          E22/G02             F           56,000.00         ZZ
                                         360         56,000.00          2
                                       8.000            410.91         80
                                       7.750            410.91
    AUGUSTA          GA   30904          2            10/14/02         00
    0414669689                           05           12/01/02          0
    0414669689                           N            11/01/32
    0

    8141289          E22/G02             F           88,000.00         ZZ
                                         360         88,000.00          1
                                       7.875            638.06         80
                                       7.625            638.06
    CONYERS          GA   30012          2            10/23/02         00
    0414839407                           07           12/01/02          0
    0414839407                           N            11/01/32
    0

    8141291          E22/G02             F           88,000.00         ZZ
                                         360         88,000.00          1
                                       7.875            638.06         80
                                       7.625            638.06
    CONYERS          GA   30012          2            10/23/02         00
    0414839613                           07           12/01/02          0
    0414839613                           N            11/01/32
    0

    8141293          E22/G02             F           88,000.00         ZZ
                                         360         88,000.00          1
                                       7.875            638.06         80
                                       7.625            638.06
    CONYERS          GA   30012          2            10/23/02         00
    0414842880                           07           12/01/02          0
    0414842880                           N            11/01/32
    0

    8141343          E22/G02             F          536,250.00         ZZ
                                         360        536,250.00          1
                                       6.375          3,345.50         75
                                       6.125          3,345.50
    HOUSTON          TX   77005          5            10/18/02         00
    0414971127                           05           12/01/02          0
    0414971127                           O            11/01/32
    0

    8141365          E22/G02             F          430,000.00         ZZ
                                         360        430,000.00          1
                                       6.250          2,647.58         72
                                       6.000          2,647.58
1

    VENICE           CA   90291          5            10/14/02         00
    0414982405                           05           12/01/02          0
    0414982405                           O            11/01/32
    0

    8141445          E22/G02             F          370,000.00         ZZ
                                         360        370,000.00          1
                                       6.375          2,308.32         57
                                       6.125          2,308.32
    REDWOOD CITY     CA   94065          5            10/09/02         00
    0415199868                           03           12/01/02          0
    0415199868                           O            11/01/32
    0

    8141473          E22/G02             F          320,000.00         ZZ
                                         360        320,000.00          1
                                       6.375          1,996.38         80
                                       6.125          1,996.38
    KIRKLAND         WA   98033          5            10/16/02         00
    0415251602                           09           12/01/02          0
    0415251602                           O            11/01/32
    0

    8141531          E22/G02             F          560,000.00         ZZ
                                         360        560,000.00          2
                                       6.375          3,493.67         59
                                       6.125          3,493.67
    SAN FRANCISCO    CA   94121          2            10/11/02         00
    0415052463                           05           12/01/02          0
    0415052463                           O            11/01/32
    0

    8141537          E22/G02             F          353,000.00         ZZ
                                         360        353,000.00          1
                                       6.625          2,260.30         65
                                       6.375          2,260.30
    GOLETA           CA   93117          2            10/11/02         00
    0415055714                           05           12/01/02          0
    0415055714                           O            11/01/32
    0

    8141553          E22/G02             F          368,500.00         ZZ
                                         360        368,500.00          1
                                       6.250          2,268.92         62
                                       6.000          2,268.92
    BLOOMFIELD       MI   48301          5            10/18/02         00
    0415070150                           05           12/01/02          0
    0415070150                           O            11/01/32
    0
1

    8141599          E22/G02             F          344,000.00         ZZ
                                         360        344,000.00          1
                                       6.250          2,118.07         80
                                       6.000          2,118.07
    FRISCO           TX   75034          1            10/23/02         00
    0415122084                           03           12/01/02          0
    0415122084                           O            11/01/32
    0

    8141619          E22/G02             F           88,000.00         ZZ
                                         360         88,000.00          1
                                       7.625            622.86         80
                                       7.375            622.86
    CONYERS          GA   30012          2            10/23/02         00
    0415169390                           07           12/01/02          0
    0415169390                           N            11/01/32
    0

    8141621          E22/G02             F          650,000.00         ZZ
                                         360        650,000.00          1
                                       6.375          4,055.15         69
                                       6.125          4,055.15
    SAN FRANCISCO    CA   94122          5            10/11/02         00
    0415169820                           05           12/01/02          0
    0415169820                           O            11/01/32
    0

    8141623          E22/G02             F           88,000.00         ZZ
                                         360         88,000.00          1
                                       7.625            622.86         80
                                       7.375            622.86
    CONYERS          GA   30012          2            10/23/02         00
    0415171552                           07           12/01/02          0
    0415171552                           N            11/01/32
    0

    8141625          E22/G02             F           88,000.00         ZZ
                                         360         88,000.00          1
                                       7.625            622.86         80
                                       7.375            622.86
    CONYERS          GA   30012          2            10/23/02         00
    0415172147                           07           12/01/02          0
    0415172147                           N            11/01/32
    0

    8141627          E22/G02             F           88,000.00         ZZ
                                         360         88,000.00          1
1

                                       7.625            622.86         80
                                       7.375            622.86
    CONYERS          GA   30012          2            10/23/02         00
    0415172543                           07           12/01/02          0
    0415172543                           N            11/01/32
    0

    8141815          975/G02             F          377,600.00         ZZ
                                         360        377,600.00          1
                                       6.500          2,386.69         80
                                       6.250          2,386.69
    CERRITOS         CA   90703          1            10/14/02         00
    0434834024                           03           12/01/02          0
    2023598                              O            11/01/32
    0

    8142271          F89/G02             F          327,000.00         ZZ
                                         360        327,000.00          1
                                       6.125          1,986.89         80
                                       5.875          1,986.89
    FULLERTON        CA   92833          2            10/14/02         00
    0434810487                           05           12/01/02          0
    12624124                             O            11/01/32
    0

    8142443          F89/G02             F          431,200.00         ZZ
                                         360        431,200.00          1
                                       6.375          2,690.13         80
                                       6.125          2,690.13
    RANCHE CUCAMONG  CA   91701          1            10/18/02         00
    0434812046                           05           12/01/02          0
    24059                                O            11/01/32
    0

    8142783          420/G02             F          320,000.00         ZZ
                                         360        320,000.00          1
                                       6.250          1,970.30         80
                                       6.000          1,970.30
    SANTA ROSA       CA   95404          2            10/08/02         00
    0434806402                           05           12/01/02          0
    72003549                             O            11/01/32
    0

    8142907          601/G02             F          131,000.00         ZZ
                                         360        131,000.00          1
                                       7.750            938.51         75
                                       7.500            938.51
    TAMPA            FL   33604          5            10/07/02         00
    0434799060                           05           12/01/02          0
1

    64979092                             N            11/01/32
    0

    8142939          S11/G02             F          425,000.00         ZZ
                                         360        425,000.00          1
                                       6.375          2,651.45         80
                                       6.125          2,651.45
    SAN JOSE         CA   95118          2            10/07/02         00
    0434849352                           05           12/01/02          0
    10320573                             O            11/01/32
    0

    8142955          944/G02             F          320,000.00         ZZ
                                         360        320,000.00          1
                                       6.250          1,970.30         80
                                       6.000          1,970.30
    COLORADO SPRING  CO   80918          2            10/07/02         00
    0434792065                           03           12/01/02          0
    01618733                             O            11/01/32
    0

    8142957          944/G02             F          620,000.00         ZZ
                                         360        619,425.75          1
                                       6.375          3,868.00         71
                                       6.125          3,868.00
    LAGUNA BEACH     CA   92651          5            09/25/02         00
    0434795373                           05           11/01/02          0
    0161399                              O            10/01/32
    0

    8142963          944/G02             F          540,000.00         ZZ
                                         360        540,000.00          1
                                       6.125          3,281.10         80
                                       5.875          3,281.10
    OAKLEY           CA   94561          5            10/01/02         00
    0434793592                           05           12/01/02          0
    01615973                             O            11/01/32
    0

    8143025          944/G02             F          332,500.00         ZZ
                                         360        332,500.00          1
                                       6.250          2,047.26         63
                                       6.000          2,047.26
    SEAL BEACH       CA   90740          2            10/03/02         00
    0434796454                           05           12/01/02          0
    01603018                             O            11/01/32
    0

1

    8143041          944/G02             F          376,000.00         ZZ
                                         360        376,000.00          1
                                       6.000          2,254.31         72
                                       5.750          2,254.31
    MISSION VIEJO    CA   92691          2            10/03/02         00
    0434820122                           03           12/01/02          0
    02031501                             O            11/01/32
    0

    8143303          601/G02             F           94,500.00         ZZ
                                         360         94,433.30          3
                                       7.750            677.01         90
                                       7.500            677.01
    ATHOL            MA   01331          1            09/27/02         10
    0434817938                           05           11/01/02         25
    61941225                             N            10/01/32
    0

    8143353          B57/G02             F          339,200.00         ZZ
                                         360        339,200.00          1
                                       6.500          2,143.98         80
                                       6.250          2,143.98
    STEVENSON RANCH  CA   91381          5            10/04/02         00
    0434794855                           03           12/01/02          0
    10005216                             O            11/01/32
    0

    8143417          601/G02             F          355,410.00         ZZ
                                         360        355,118.70          1
                                       7.000          2,364.55         90
                                       6.750          2,364.55
    CHICAGO          IL   60640          1            09/24/02         11
    0434821831                           01           11/01/02         25
    619602666                            O            10/01/32
    0

    8143639          W93/G02             F          373,900.00         ZZ
                                         360        373,900.00          1
                                       6.625          2,394.12         80
                                       6.375          2,394.12
    SAN JOSE         CA   95123          1            10/01/02         00
    0434818738                           05           12/01/02          0
    20407606                             O            11/01/32
    0

    8143649          W93/G02             F          330,000.00         ZZ
                                         360        329,701.67          1
                                       6.500          2,085.83         63
                                       6.250          2,085.83
1

    SAN FRANCISCO    CA   94131          1            09/27/02         00
    0434815379                           05           11/01/02          0
    21408536                             O            10/01/32
    0

    8143699          W93/G02             F          410,000.00         ZZ
                                         360        410,000.00          1
                                       6.500          2,591.48         74
                                       6.250          2,591.48
    FRESNO           CA   93720          1            10/07/02         00
    0434815718                           03           12/01/02          0
    45376633                             O            11/01/32
    0

    8143729          W93/G02             F          552,000.00         ZZ
                                         360        552,000.00          1
                                       6.375          3,443.76         80
                                       6.125          3,443.76
    FULLERTON        CA   92835          5            09/30/02         00
    0434821419                           05           12/01/02          0
    67421007                             O            11/01/32
    0

    8143737          W93/G02             F          332,000.00         ZZ
                                         360        332,000.00          1
                                       6.500          2,098.47         80
                                       6.250          2,098.47
    PASO ROBLES      CA   93446          5            10/02/02         00
    0434815726                           05           12/01/02          0
    74288724                             O            11/01/32
    0

    8143739          W93/G02             F          392,500.00         ZZ
                                         360        392,500.00          1
                                       6.625          2,513.22         74
                                       6.375          2,513.22
    TEMPLETON        CA   93465          5            10/02/02         00
    0434816153                           05           12/01/02          0
    74288726                             O            11/01/32
    0

    8143851          K15/G02             F          308,000.00         ZZ
                                         360        308,000.00          1
                                       6.000          1,846.62         95
                                       5.750          1,846.62
    WOODSTOCK        CT   06281          1            10/19/02         41
    0434847844                           05           12/01/02         30
    003760005503602                      O            11/01/32
    0
1

    8143947          E82/G02             F          347,000.00         ZZ
                                         360        347,000.00          1
                                       6.750          2,250.64         92
                                       6.500          2,250.64
    MURRIETA         CA   92563          2            10/18/02         10
    0400699211                           05           12/01/02         25
    0400699211                           O            11/01/32
    0

    8144079          E82/G02             F          309,000.00         ZZ
                                         360        309,000.00          1
                                       6.500          1,953.09         81
                                       6.250          1,953.09
    SNOHOMISH        WA   98290          2            10/21/02         10
    0400699922                           05           12/01/02         12
    5158861                              O            11/01/32
    0

    8144373          P27/G02             F          342,000.00         ZZ
                                         360        342,000.00          1
                                       6.500          2,161.67         90
                                       6.250          2,161.67
    RIVERSIDE        CA   92503          5            10/11/02         01
    0434808952                           03           12/01/02         30
    IF65124                              O            11/01/32
    0

    8144421          601/G02             F           68,000.00         T
                                         360         67,950.78          1
                                       7.625            481.30         80
                                       7.375            481.30
    COOKSON          OK   74427          1            09/23/02         00
    0434822219                           05           11/01/02          0
    61814133                             O            10/01/32
    0

    8144723          E22/G02             F          371,000.00         ZZ
                                         360        371,000.00          1
                                       6.500          2,344.97         73
                                       6.250          2,344.97
    SAN JOSE         CA   95111          2            10/08/02         00
    0414678771                           05           12/01/02          0
    0414678771                           O            11/01/32
    0

    8144883          E22/G02             F          416,000.00         ZZ
                                         360        416,000.00          1
1

                                       6.375          2,595.30         66
                                       6.125          2,595.30
    ORANGE           CA   92869          2            10/14/02         00
    0415052943                           05           12/01/02          0
    0415052943                           O            11/01/32
    0

    8145507          X64/G02             F          532,000.00         ZZ
                                         360        532,000.00          1
                                       6.375          3,318.99         80
                                       6.125          3,318.99
    BIRMINGHAM       MI   48009          5            10/17/02         00
    0434827879                           05           12/01/02          0
    9685693                              O            11/01/32
    0

    8145571          313/G02             F          410,000.00         ZZ
                                         360        410,000.00          1
                                       6.250          2,524.45         75
                                       6.000          2,524.45
    MARSHALL         VA   20115          2            10/10/02         00
    0434815957                           05           12/01/02          0
    0009039264                           O            11/01/32
    0

    8145981          N47/G02             F          371,000.00         ZZ
                                         360        371,000.00          1
                                       6.500          2,344.97         49
                                       6.250          2,344.97
    BELMONT          CA   94002          2            10/09/02         00
    0434827614                           05           12/01/02          0
    30122845                             O            11/01/32
    0

    8146069          N47/G02             F          348,800.00         ZZ
                                         360        348,800.00          1
                                       6.125          2,119.35         80
                                       5.875          2,119.35
    SAN FRANCISCO    CA   94132          1            10/16/02         00
    0434827531                           05           12/01/02          0
    20620017                             O            11/01/32
    0

    8146137          E45/G02             F          391,400.00         ZZ
                                         360        391,046.17          1
                                       6.500          2,473.91         80
                                       6.250          2,473.91
    ASHBURN          VA   20147          5            10/02/02         00
    0434834529                           03           11/01/02          0
1

    275978                               O            10/01/32
    0

    8146151          A06/G02             F          368,000.00         ZZ
                                         360        368,000.00          1
                                       6.375          2,295.85         72
                                       6.125          2,295.85
    WEST BLOOMFIELD  MI   48322          1            10/21/02         00
    0434799755                           05           12/01/02          0
    021000020221123                      O            11/01/32
    0

    8146497          P09/G02             F          337,500.00         ZZ
                                         360        337,500.00          1
                                       6.875          2,217.13         83
                                       6.625          2,217.13
    FREDERICK        MD   21704          5            10/21/02         10
    0434828828                           03           12/01/02         12
    R0204727                             O            11/01/32
    0

    8147065          U37/U37             F          490,000.00         ZZ
                                         360        490,000.00          1
                                       6.250          3,017.01         70
                                       6.000          3,017.01
    CAMARILLO        CA   93012          5            10/15/02         00
    8900010514                           05           12/01/02          0
    8900010514                           O            11/01/32
    0

    8147319          E22/G02             F           52,110.00         ZZ
                                         360         52,110.00          2
                                       7.750            373.32         90
                                       7.500            373.32
    KALAMAZOO        MI   49004          1            10/25/02         04
    0415282441                           05           12/01/02         30
    0415282441                           N            11/01/32
    0

    8147369          E22/G02             F           31,410.00         ZZ
                                         360         31,410.00          3
                                       7.875            227.74         90
                                       7.625            227.74
    HUNTINGTON       IN   46750          1            10/25/02         01
    0414973222                           05           12/01/02         25
    0414973222                           N            11/01/32
    0

1

    8147387          E22/G02             F          377,500.00         T
                                         360        377,500.00          1
                                       6.625          2,417.17         46
                                       6.375          2,417.17
    EDGEWATER        MD   21037          2            10/25/02         00
    0415015023                           05           12/01/02          0
    0415015023                           O            11/01/32
    0

    8147477          E22/G02             F          386,250.00         ZZ
                                         360        386,250.00          1
                                       6.375          2,409.70         75
                                       6.125          2,409.70
    EL DORADO HILLS  CA   95762          5            10/18/02         00
    0415065846                           05           12/01/02          0
    0415065846                           O            11/01/32
    0

    8147479          E22/G02             F          350,000.00         ZZ
                                         360        350,000.00          1
                                       6.375          2,183.54         80
                                       6.125          2,183.54
    PLACENTIA        CA   92870          1            10/22/02         00
    0415214717                           05           12/01/02          0
    0415214717                           O            11/01/32
    0

    8147531          E22/G02             F          387,200.00         ZZ
                                         360        387,200.00          1
                                       6.750          2,511.37         80
                                       6.500          2,511.37
    SACRAMENTO       CA   95819          5            10/14/02         00
    0414615773                           05           12/01/02          0
    0414615773                           O            11/01/32
    0

    8147585          E22/G02             F           36,000.00         ZZ
                                         360         36,000.00          1
                                       7.875            261.02         90
                                       7.625            261.02
    INDEPENDENCE     MO   64052          1            10/23/02         01
    0414896050                           05           12/01/02         25
    0414896050                           O            11/01/32
    0

    8147611          E22/G02             F          191,100.00         ZZ
                                         360        191,100.00          1
                                       7.625          1,352.59         70
                                       7.375          1,352.59
1

    DRIGGS           ID   83422          5            10/22/02         00
    0415075555                           05           12/01/02          0
    0415075555                           N            11/01/32
    0

    8147623          E22/G02             F          428,000.00         ZZ
                                         360        428,000.00          1
                                       6.375          2,670.16         80
                                       6.125          2,670.16
    ANAHEIM          CA   92807          1            10/21/02         00
    0415090224                           03           12/01/02          0
    0415090224                           O            11/01/32
    0

    8147729          E22/G02             F          474,000.00         ZZ
                                         240        474,000.00          1
                                       6.375          3,499.22         76
                                       6.125          3,499.22
    DOVER TOWNSHIP   NJ   08753          5            10/21/02         00
    0415162486                           05           12/01/02          0
    0415162486                           O            11/01/22
    0

    8147739          E22/G02             F          424,000.00         ZZ
                                         360        424,000.00          1
                                       6.625          2,714.92         80
                                       6.375          2,714.92
    AUSTIN           TX   78746          5            10/21/02         00
    0415173533                           03           12/01/02          0
    0415173533                           O            11/01/32
    0

    8147743          E22/G02             F          315,000.00         ZZ
                                         360        315,000.00          1
                                       6.500          1,991.01         80
                                       6.250          1,991.01
    WOBURN           MA   01801          5            10/21/02         00
    0415175793                           05           12/01/02          0
    0415175793                           O            11/01/32
    0

    8148067          601/G02             F          480,000.00         ZZ
                                         360        480,000.00          1
                                       6.625          3,073.49         80
                                       6.375          3,073.49
    EATON            CO   80615          5            09/30/02         00
    0434797304                           05           12/01/02          0
    61844643                             O            11/01/32
    0
1

    8148735          U35/G02             F          304,000.00         ZZ
                                         360        304,000.00          1
                                       7.000          2,022.52         95
                                       6.750          2,022.52
    MOLINE           IL   61265          1            10/23/02         01
    0434833604                           05           12/01/02         30
    7322254                              O            11/01/32
    0

    8148937          Q30/G02             F          315,300.00         ZZ
                                         360        315,300.00          1
                                       6.875          2,071.30         80
                                       6.625          2,071.30
    HICKSVILLE       NY   11801          1            10/24/02         00
    0434829354                           05           12/01/02          0
    21017170                             O            11/01/32
    0

    8149081          964/G02             F          372,000.00         ZZ
                                         360        372,000.00          1
                                       6.500          2,351.29         38
                                       6.250          2,351.29
    PRESCOTT         AZ   86305          2            10/07/02         00
    0434820395                           05           12/01/02          0
    256985                               O            11/01/32
    0

    8149177          964/G02             F          473,600.00         T
                                         360        473,600.00          1
                                       6.500          2,993.48         80
                                       6.250          2,993.48
    PISMO BEACH      CA   93449          1            10/11/02         00
    0434811824                           05           12/01/02          0
    284306                               O            11/01/32
    0

    8149261          N47/G02             F          368,000.00         ZZ
                                         360        368,000.00          1
                                       6.500          2,326.01         80
                                       6.250          2,326.01
    SAN JOSE         CA   95148          1            10/17/02         00
    0434827572                           05           12/01/02          0
    20620345                             O            11/01/32
    0

    8149375          998/998             F          347,000.00         ZZ
                                         360        346,483.33          1
1

                                       7.500          2,426.28         71
                                       7.250          2,426.28
    NORTHBROOK       IL   60062          2            08/19/02         00
    5100174                              05           10/01/02          0
    5100174                              O            09/01/32
    0

    8149377          998/998             F          322,000.00         ZZ
                                         360        321,729.48          1
                                       6.875          2,115.31         70
                                       6.625          2,115.31
    NEW YORK         NY   10016          5            09/20/02         00
    5295458                              01           11/01/02          0
    5295458                              O            10/01/32
    0

    8150009          U05/G02             F          465,500.00         ZZ
                                         360        465,500.00          1
                                       6.375          2,904.11         65
                                       6.125          2,904.11
    ENCINITAS        CA   92024          5            10/17/02         00
    0434815528                           05           12/01/02          0
    3269311                              O            11/01/32
    0

    8150121          E22/G02             F          410,500.00         ZZ
                                         360        410,500.00          1
                                       6.250          2,527.52         75
                                       6.000          2,527.52
    STEAMBOAT SPRIN  CO   80487          2            10/22/02         00
    0414360172                           05           12/01/02          0
    0414360172                           O            11/01/32
    0

    8150135          E22/G02             F          380,000.00         ZZ
                                         360        380,000.00          1
                                       6.500          2,401.86         66
                                       6.250          2,401.86
    CORRALES         NM   87048          2            10/22/02         00
    0414709147                           05           12/01/02          0
    0414709147                           O            11/01/32
    0

    8150269          E22/G02             F           41,760.00         ZZ
                                         360         41,760.00          2
                                       7.875            302.79         90
                                       7.625            302.79
    KANSAS CITY      MO   64109          1            10/25/02         01
    0415060854                           05           12/01/02         25
1

    0415060854                           N            11/01/32
    0

    8150337          E22/G02             F          387,500.00         ZZ
                                         360        387,500.00          1
                                       6.250          2,385.90         58
                                       6.000          2,385.90
    SAN RAMON        CA   94583          2            10/04/02         00
    0415013036                           05           12/01/02          0
    0415013036                           O            11/01/32
    0

    8150369          E22/G02             F          450,000.00         ZZ
                                         360        450,000.00          1
                                       6.500          2,844.31         61
                                       6.250          2,844.31
    MADISON          MS   39110          2            10/23/02         00
    0415037118                           05           12/01/02          0
    0415037118                           O            11/01/32
    0

    8150441          E22/G02             F          338,000.00         ZZ
                                         360        338,000.00          1
                                       6.375          2,108.68         64
                                       6.125          2,108.68
    DURANGO          CO   81301          2            10/23/02         00
    0415152578                           03           12/01/02          0
    0415152578                           O            11/01/32
    0

    8150443          E22/G02             F          336,000.00         ZZ
                                         360        336,000.00          1
                                       6.500          2,123.75         80
                                       6.250          2,123.75
    SANTA ROSA       CA   95403          5            10/16/02         00
    0415153089                           05           12/01/02          0
    0415153089                           O            11/01/32
    0

    8150537          E22/G02             F          315,000.00         ZZ
                                         360        315,000.00          1
                                       6.250          1,939.51         70
                                       6.000          1,939.51
    BRENHAM          TX   77833          5            10/21/02         00
    0415195478                           05           12/01/02          0
    0415195478                           O            11/01/32
    0

1

    8150679          E22/G02             F           39,900.00         ZZ
                                         360         39,900.00          1
                                       7.875            289.30         95
                                       7.625            289.30
    LAKE CHARLES     LA   70601          5            10/23/02         04
    0414994327                           05           12/01/02         30
    0414994327                           O            11/01/32
    0

    8150711          E22/G02             F          525,000.00         ZZ
                                         360        525,000.00          1
                                       6.375          3,275.32         75
                                       6.125          3,275.32
    PLEASANTON       CA   94566          1            10/23/02         00
    0415294180                           05           12/01/02          0
    0415294180                           O            11/01/32
    0

    8150955          A06/G02             F          399,000.00         ZZ
                                         360        399,000.00          1
                                       6.250          2,456.72         74
                                       6.000          2,456.72
    CLARKSTON        MI   48346          5            10/19/02         00
    0434812061                           29           12/01/02          0
    021000020222152                      O            11/01/32
    0

    8151035          964/G02             F          385,000.00         ZZ
                                         360        385,000.00          1
                                       6.875          2,529.18         75
                                       6.625          2,529.18
    SACRAMENTO       CA   95841          2            10/08/02         00
    0434820304                           05           12/01/02          0
    243914                               N            11/01/32
    0

    8151037          964/G02             F          440,000.00         ZZ
                                         360        440,000.00          1
                                       6.500          2,781.10         80
                                       6.250          2,781.10
    SACRAMENTO       CA   95841          2            10/05/02         00
    0434820429                           05           12/01/02          0
    243945                               O            11/01/32
    0

    8151043          964/G02             F          378,000.00         ZZ
                                         360        378,000.00          1
                                       6.375          2,358.23         74
                                       6.125          2,358.23
1

    FAIR OAKS        CA   95628          2            10/07/02         00
    0434819207                           03           12/01/02          0
    261250                               O            11/01/32
    0

    8151061          964/G02             F          375,000.00         ZZ
                                         360        375,000.00          1
                                       6.500          2,370.26         76
                                       6.250          2,370.26
    BELLEVUE         WA   98006          2            10/11/02         00
    0434822797                           05           12/01/02          0
    267793                               O            11/01/32
    0

    8151175          Q59/G02             F          562,500.00         ZZ
                                         360        562,500.00          1
                                       6.375          3,509.27         75
                                       6.125          3,509.27
    ENCINO           CA   91346          5            10/11/02         00
    0434834206                           05           12/01/02          0
    402944                               O            11/01/32
    0

    8151219          U05/G02             F          415,000.00         ZZ
                                         360        415,000.00          1
                                       6.250          2,555.23         76
                                       6.000          2,555.23
    SAN RAMON        CA   94583          5            10/14/02         00
    0434837688                           05           12/01/02          0
    3273435                              O            11/01/32
    0

    8151297          E11/G02             F          316,000.00         ZZ
                                         360        316,000.00          1
                                       6.375          1,971.43         80
                                       6.125          1,971.43
    ST PAUL          MN   55105          5            10/22/02         00
    0434829347                           05           12/01/02          0
    1                                    O            11/01/32
    0

    8151485          480/G02             F          380,000.00         ZZ
                                         360        379,648.04          1
                                       6.375          2,370.71         80
                                       6.125          2,370.71
    GAITHERSBURG     MD   20878          5            09/27/02         00
    0434817763                           03           11/01/02          0
    4469250                              O            10/01/32
    0
1

    8151607          477/G02             F          475,000.00         ZZ
                                         360        475,000.00          1
                                       6.750          3,080.84         80
                                       6.500          3,080.84
    EL DORADO HILLS  CA   95762          1            10/09/02         00
    0434805156                           05           12/01/02          0
    233977                               O            11/01/32
    0

    8152551          T09/G02             F          347,000.00         ZZ
                                         360        347,000.00          1
                                       6.375          2,164.83         68
                                       6.125          2,164.83
    MORRO BAY        CA   93442          2            10/21/02         00
    0434837167                           05           12/01/02          0
    20021616                             O            11/01/32
    0

    8152861          477/G02             F          425,000.00         ZZ
                                         360        425,000.00          2
                                       6.625          2,721.32         50
                                       6.375          2,721.32
    NEWPORT BEACH    CA   92625          1            10/16/02         00
    0434833984                           05           12/01/02          0
    234533                               N            11/01/32
    0

    8153795          944/G02             F          364,000.00         ZZ
                                         360        364,000.00          1
                                       6.375          2,270.89         80
                                       6.125          2,270.89
    TUSTIN           CA   92780          1            10/15/02         00
    0434822698                           05           12/01/02          0
    W02031857                            O            11/01/32
    0

    8154119          253/253             F          315,000.00         ZZ
                                         360        315,000.00          1
                                       6.750          2,043.09         78
                                       6.500          2,043.09
    CEDAR HILL       TX   75104          2            10/02/02         00
    973949                               03           12/01/02          0
    973949                               O            11/01/32
    0

    8154175          E22/G02             F          135,000.00         ZZ
                                         360        135,000.00          2
1

                                       7.875            978.84         75
                                       7.625            978.84
    PAWTUCKET        RI   02860          1            10/29/02         00
    0414822973                           05           12/01/02          0
    0414822973                           N            11/01/32
    0

    8154189          G34/G02             F          318,000.00         ZZ
                                         360        318,000.00          1
                                       6.500          2,009.98         80
                                       6.250          2,009.98
    LAS VEGAS        NV   89144          1            10/17/02         00
    0434833547                           03           12/01/02          0
    39122291                             O            11/01/32
    0

    8154311          F64/G02             F           47,600.00         ZZ
                                         360         47,600.00          1
                                       7.625            336.91         80
                                       7.375            336.91
    VIRGINIA BEACH   VA   23452          1            10/17/02         00
    0434822300                           07           12/01/02          0
    92855301                             N            11/01/32
    0

    8154329          825/G02             F          329,750.00         ZZ
                                         360        329,750.00          1
                                       6.375          2,057.21         80
                                       6.125          2,057.21
    SACRAMENTO       CA   95835          2            10/22/02         00
    0434833943                           05           12/01/02          0
    ROSENFELD                            O            11/01/32
    0

    8154447          E22/G02             F          480,000.00         ZZ
                                         360        480,000.00          1
                                       6.500          3,033.93         64
                                       6.250          3,033.93
    ESTES PARK       CO   80517          2            10/24/02         00
    0415203942                           03           12/01/02          0
    0415203942                           O            11/01/32
    0

    8154783          S11/G02             F          392,000.00         ZZ
                                         360        392,000.00          1
                                       6.875          2,575.16         80
                                       6.625          2,575.16
    SAN LEANDRO      CA   94579          5            10/08/02         00
    0434853677                           03           12/01/02          0
1

    10209347                             O            11/01/32
    0

    8155903          N74/G02             F           58,900.00         ZZ
                                         360         58,900.00          1
                                       7.750            421.97         87
                                       7.500            421.97
    ANDERSON         SC   29621          5            10/23/02         10
    0434843405                           05           12/01/02         25
    0030961010                           O            11/01/32
    0

    8156115          W53/G02             F          336,000.00         ZZ
                                         360        336,000.00          1
                                       6.875          2,207.29         80
                                       6.625          2,207.29
    ATLANTA          GA   30337          1            10/04/02         00
    0434829230                           05           12/01/02          0
    1310000986                           O            11/01/32
    0

    8156875          420/G02             F          504,600.00         ZZ
                                         360        504,600.00          1
                                       6.500          3,189.42         58
                                       6.250          3,189.42
    SAN RAFAEL       CA   94901          2            10/23/02         00
    0434823860                           05           12/01/02          0
    72003313                             O            11/01/32
    0

    8157139          E82/G02             F          375,000.00         ZZ
                                         360        375,000.00          1
                                       6.500          2,370.26         67
                                       6.250          2,370.26
    SUNNYVALE        CA   94086          5            10/24/02         00
    0400708160                           05           12/01/02          0
    0400708160                           O            11/01/32
    0

    8157299          X43/G02             F          440,000.00         ZZ
                                         360        440,000.00          1
                                       6.250          2,709.16         80
                                       6.000          2,709.16
    SAN DIEGO (DEL   CA   92014          1            10/14/02         00
    0434846044                           05           12/01/02          0
    11002011                             O            11/01/32
    0

1

    8157525          E22/G02             F           92,000.00         ZZ
                                         360         91,936.69          4
                                       7.875            667.06         80
                                       7.625            667.06
    AUGUSTA          GA   30904          2            09/30/02         00
    0414159988                           05           11/01/02          0
    0414159988                           N            10/01/32
    0

    8157583          E22/G02             F          410,250.00         ZZ
                                         360        410,250.00          1
                                       6.625          2,626.88         71
                                       6.375          2,626.88
    SEATTLE          WA   98136          2            10/24/02         00
    0414965707                           05           12/01/02          0
    0414965707                           O            11/01/32
    0

    8157607          E22/G02             F          422,000.00         ZZ
                                         360        422,000.00          1
                                       6.500          2,667.33         80
                                       6.250          2,667.33
    ST CLAIR         MI   48079          1            10/30/02         00
    0414991356                           05           12/01/02          0
    0414991356                           O            11/01/32
    0

    8157621          E22/G02             F          465,000.00         ZZ
                                         360        465,000.00          1
                                       6.625          2,977.45         77
                                       6.375          2,977.45
    FULLERTON        CA   92831          2            10/17/02         00
    0415005305                           03           12/01/02          0
    0415005305                           O            11/01/32
    0

    8157659          E22/G02             F          391,200.00         ZZ
                                         360        391,200.00          1
                                       6.875          2,569.91         80
                                       6.625          2,569.91
    SAN DIEGO        CA   92103          1            10/08/02         00
    0415031475                           05           12/01/02          0
    0415031475                           O            11/01/32
    0

    8157761          E22/G02             F          471,000.00         ZZ
                                         360        471,000.00          1
                                       6.500          2,977.04         63
                                       6.250          2,977.04
1

    DALLAS           TX   75220          5            10/25/02         00
    0415132216                           05           12/01/02          0
    0415132216                           O            11/01/32
    0

    8157859          E22/G02             F          410,000.00         ZZ
                                         360        410,000.00          1
                                       6.375          2,557.87         72
                                       6.125          2,557.87
    SAN FRANCISCO    CA   94122          1            10/21/02         00
    0415192467                           07           12/01/02          0
    0415192467                           O            11/01/32
    0

    8157861          E22/G02             F          480,000.00         ZZ
                                         360        480,000.00          1
                                       6.375          2,994.58         80
                                       6.125          2,994.58
    AUSTIN           TX   78705          5            10/25/02         00
    0415193960                           05           12/01/02          0
    0415193960                           O            11/01/32
    0

    8157867          E22/G02             F          388,000.00         ZZ
                                         360        388,000.00          1
                                       6.375          2,420.62         80
                                       6.125          2,420.62
    SAN JOSE         CA   95123          1            10/24/02         00
    0415197284                           05           12/01/02          0
    0415197284                           N            11/01/32
    0

    8157873          E22/G02             F           64,000.00         ZZ
                                         360         64,000.00          2
                                       7.875            464.04         46
                                       7.625            464.04
    NEW ORLEANS      LA   70117          5            10/30/02         00
    0415201136                           05           12/01/02          0
    0415201136                           N            11/01/32
    0

    8157979          E22/G02             F           82,500.00         ZZ
                                         360         82,500.00          2
                                       7.875            598.18         75
                                       7.625            598.18
    NEW ORLEANS      LA   70117          5            10/30/02         00
    0415297217                           05           12/01/02          0
    0415297217                           N            11/01/32
    0
1

    8158015          420/G02             F          344,700.00         ZZ
                                         360        344,700.00          1
                                       7.000          2,293.30         75
                                       6.750          2,293.30
    NAPA             CA   94558          1            10/02/02         00
    0434833802                           05           12/01/02          0
    72003752                             N            11/01/32
    0

    8158577          X51/G02             F          600,000.00         ZZ
                                         360        600,000.00          1
                                       6.330          3,725.58         80
                                       6.080          3,725.58
    RANCHO PALOS VE  CA   90275          5            10/17/02         00
    0434834438                           03           12/01/02          0
    R2053977                             O            11/01/32
    0

    8158581          F36/G02             F          344,000.00         ZZ
                                         360        344,000.00          1
                                       6.250          2,118.07         42
                                       6.000          2,118.07
    REDMOND          WA   98052          2            10/15/02         00
    0434849634                           05           12/01/02          0
    06505209                             O            11/01/32
    0

    8158583          N47/G02             F          322,500.00         ZZ
                                         360        322,500.00          1
                                       6.875          2,118.60         53
                                       6.625          2,118.60
    SAN MATEO        CA   94402          2            10/21/02         00
    0434849816                           05           12/01/02          0
    20620283                             N            11/01/32
    0

    8158617          K15/G02             F          108,000.00         ZZ
                                         360        108,000.00          1
                                       7.750            773.73         80
                                       7.500            773.73
    TOWNSHIP MIDDLE  NJ   07748          2            10/22/02         00
    0434838488                           05           12/01/02          0
    011005504354                         O            11/01/32
    0

    8159097          H93/G02             F          472,000.00         ZZ
                                         360        472,000.00          1
1

                                       6.375          2,944.67         80
                                       6.125          2,944.67
    PARKVILLE        MO   64152          5            10/24/02         00
    0434843504                           05           12/01/02          0
    GLH1246                              O            11/01/32
    0

    8159107          X94/G02             F          103,500.00         ZZ
                                         360        103,500.00          1
                                       7.875            750.45         90
                                       7.625            750.45
    PLYMOUTH         MN   55442          1            10/18/02         10
    0434844213                           01           12/01/02         25
    991120                               O            11/01/32
    0

    8159493          B49/G02             F          455,200.00         ZZ
                                         360        455,200.00          1
                                       6.375          2,839.86         80
                                       6.125          2,839.86
    GOLDEN           CO   80401          2            10/23/02         00
    0434841177                           03           12/01/02          0
    000268530550                         O            11/01/32
    0

    8159543          L49/G02             F          340,000.00         ZZ
                                         360        340,000.00          1
                                       6.625          2,177.06         71
                                       6.375          2,177.06
    TRABUCO CANYON   CA   92679          2            10/15/02         00
    0434837373                           03           12/01/02          0
    10011748                             O            11/01/32
    0

    8159621          L49/G02             F          373,000.00         ZZ
                                         360        373,000.00          1
                                       6.500          2,357.62         78
                                       6.250          2,357.62
    LAGUNA NIGUEL    CA   92677          2            10/23/02         00
    0434837258                           03           12/01/02          0
    1010011818                           O            11/01/32
    0

    8160677          H58/G02             F          451,000.00         ZZ
                                         360        451,000.00          1
                                       6.625          2,887.80         78
                                       6.375          2,887.80
    GRANITE BAY      CA   95746          5            10/14/02         00
    0434830238                           05           12/01/02          0
1

    0000111367                           O            11/01/32
    0

    8160865          N47/G02             F          500,000.00         ZZ
                                         360        500,000.00          2
                                       6.625          3,201.55         67
                                       6.375          3,201.55
    MOUNTAIN VIEW    CA   94040          2            10/21/02         00
    0434869871                           05           12/01/02          0
    20321273                             O            11/01/32
    0

    8161311          E22/G02             F          500,000.00         ZZ
                                         360        500,000.00          1
                                       6.500          3,160.34         39
                                       6.250          3,160.34
    TORRANCE         CA   90277          5            10/24/02         00
    0414702290                           05           12/01/02          0
    0414702290                           O            11/01/32
    0

    8161347          E22/G02             F          650,000.00         ZZ
                                         360        650,000.00          1
                                       6.250          4,002.16         75
                                       6.000          4,002.16
    CHANHASSEN       MN   55317          2            10/30/02         00
    0414888032                           05           12/01/02          0
    0414888032                           O            11/01/32
    0

    8161379          420/G02             F          420,000.00         ZZ
                                         360        420,000.00          1
                                       6.375          2,620.25         74
                                       6.125          2,620.25
    INVERNESS        CA   94937          5            10/15/02         00
    0434866984                           05           12/01/02          0
    72003548                             O            11/01/32
    0

    8161403          E22/G02             F          340,000.00         ZZ
                                         360        340,000.00          1
                                       6.750          2,205.23         90
                                       6.500          2,205.23
    YONKERS          NY   10710          1            10/31/02         04
    0415006329                           05           12/01/02         25
    0415006329                           O            11/01/32
    0

1

    8161405          E22/G02             F          443,000.00         ZZ
                                         360        443,000.00          1
                                       6.625          2,836.58         80
                                       6.375          2,836.58
    WINDSOR          CA   95492          5            10/25/02         00
    0415006618                           03           12/01/02          0
    0415006618                           O            11/01/32
    0

    8161529          E22/G02             F          337,500.00         ZZ
                                         360        337,500.00          1
                                       6.875          2,217.13         72
                                       6.625          2,217.13
    SAN JOSE         CA   95128          5            10/24/02         00
    0415173731                           09           12/01/02          0
    0415173731                           O            11/01/32
    0

    8161589          E22/G02             F          517,500.00         ZZ
                                         360        517,500.00          1
                                       6.375          3,228.53         75
                                       6.125          3,228.53
    PLEASANTON       CA   94566          5            10/24/02         00
    0415203611                           05           12/01/02          0
    0415203611                           O            11/01/32
    0

    8161723          E22/G02             F          126,000.00         ZZ
                                         360        126,000.00          1
                                       7.625            891.82         90
                                       7.375            891.82
    FRISCO           TX   75035          1            10/31/02         01
    0415303247                           03           12/01/02         25
    0415303247                           N            11/01/32
    0

    8161979          X08/G02             F          380,000.00         ZZ
                                         360        380,000.00          1
                                       6.125          2,308.92         25
                                       5.875          2,308.92
    PROVIDENCE       UT   84332          2            10/04/02         00
    0434875712                           05           12/01/02          0
    6012692                              O            11/01/32
    0

    8162331          U05/G02             F          373,450.00         ZZ
                                         360        373,450.00          1
                                       6.250          2,299.40         90
                                       6.000          2,299.40
1

    PENN VALLEY      CA   95946          1            10/14/02         04
    0434852299                           03           12/01/02         30
    3273429                              O            11/01/32
    0

    8162385          W40/G02             F          420,000.00         ZZ
                                         360        420,000.00          1
                                       6.375          2,620.25         78
                                       6.125          2,620.25
    PLYMOUTH         MI   48170          5            10/23/02         00
    0434853230                           05           12/01/02          0
    101012704                            O            11/01/32
    0

    8162863          A52/G02             F           76,500.00         ZZ
                                         360         76,500.00          1
                                       7.625            541.46         90
                                       7.375            541.46
    RIVERDALE        GA   30274          1            10/31/02         11
    0434841482                           05           12/01/02         25
    21287                                N            11/01/32
    0

    8162971          W93/G02             F          312,000.00         ZZ
                                         360        312,000.00          1
                                       6.625          1,997.77         80
                                       6.375          1,997.77
    SAN DIEGO        CA   92126          1            10/04/02         00
    0434822474                           05           12/01/02          0
    28409866                             O            11/01/32
    0

    8162989          U05/G02             F          447,200.00         ZZ
                                         360        447,200.00          1
                                       6.625          2,863.47         80
                                       6.375          2,863.47
    HAYWARD          CA   94544          1            10/02/02         00
    0434851713                           05           12/01/02          0
    3262828                              O            11/01/32
    0

    8163111          B28/G02             F          378,256.00         ZZ
                                         360        378,256.00          1
                                       6.625          2,422.02         80
                                       6.375          2,422.02
    DENVER           CO   80220          1            10/29/02         00
    0434843967                           03           12/01/02          0
    01500796                             O            11/01/32
    0
1

    8163865          E22/G02             F          386,100.00         ZZ
                                         360        386,100.00          1
                                       6.375          2,408.76         59
                                       6.125          2,408.76
    SARATOGA         CA   95070          2            10/25/02         00
    0414853093                           09           12/01/02          0
    0414853093                           O            11/01/32
    0

    8163935          E22/G02             F          381,000.00         ZZ
                                         360        381,000.00          1
                                       6.875          2,502.90         67
                                       6.625          2,502.90
    SACRAMENTO       CA   95822          5            10/23/02         00
    0415031079                           05           12/01/02          0
    0415031079                           O            11/01/32
    0

    8164025          E22/G02             F           96,750.00         ZZ
                                         360         96,750.00          1
                                       7.625            684.79         75
                                       7.375            684.79
    WOODSTOCK        GA   30189          5            10/31/02         00
    0415087253                           05           12/01/02          0
    0415087253                           N            11/01/32
    0

    8164253          E57/G02             F          472,000.00         ZZ
                                         360        472,000.00          1
                                       6.375          2,944.67         80
                                       6.125          2,944.67
    ORANGE           CA   92867          1            10/09/02         00
    0434865176                           05           12/01/02          0
    06010448                             O            11/01/32
    0

    8164731          U05/G02             F          320,000.00         ZZ
                                         360        320,000.00          1
                                       6.250          1,970.30         80
                                       6.000          1,970.30
    HAYWARD          CA   94545          5            10/15/02         00
    0434866281                           05           12/01/02          0
    3272439                              O            11/01/32
    0

    8166089          U05/G02             F          650,000.00         ZZ
                                         360        650,000.00          1
1

                                       6.375          4,055.15         75
                                       6.125          4,055.15
    BEVERLY HILLS    CA   90211          5            10/21/02         00
    0434876165                           05           12/01/02          0
    3272150                              O            11/01/32
    0

    8168631          E22/G02             F          480,000.00         ZZ
                                         360        480,000.00          1
                                       6.500          3,033.93         80
                                       6.250          3,033.93
    SAN ANTONIO      TX   78209          5            10/29/02         00
    0415078096                           05           12/01/02          0
    0415078096                           O            11/01/32
    0

    8169141          W77/G02             F          148,950.00         ZZ
                                         360        148,950.00          2
                                       7.625          1,054.26         90
                                       7.375          1,054.26
    BATON ROUGE      LA   70808          1            10/25/02         01
    0434866216                           05           12/01/02         30
    W0210079                             N            11/01/32
    0

    8169213          W77/G02             F          152,100.00         ZZ
                                         360        152,100.00          2
                                       7.625          1,076.55         90
                                       7.375          1,076.55
    BATON ROUGE      LA   70808          1            10/25/02         01
    0434866356                           05           12/01/02         30
    W0210080                             N            11/01/32
    0

    8169227          W77/G02             F          139,500.00         ZZ
                                         360        139,500.00          2
                                       7.625            987.37         90
                                       7.375            987.37
    BATON ROUGE      LA   70808          1            10/25/02         01
    0434866570                           05           12/01/02         30
    W0210078                             N            11/01/32
    0

    8171055          A06/G02             F          416,000.00         ZZ
                                         360        416,000.00          1
                                       6.500          2,629.41         80
                                       6.250          2,629.41
    CLARKSTON        MI   48348          1            10/15/02         00
    0434849592                           05           12/01/02          0
1

    6222                                 O            11/01/32
    0

    8179533          642/G02             F           97,450.00         ZZ
                                         360         97,450.00          1
                                       7.750            698.14         90
                                       7.500            698.14
    WESTERVILLE      OH   43081          1            10/25/02         11
    0434848982                           05           12/01/02         25
    10129302                             N            11/01/32
    0

    8181851          N47/G02             F          460,000.00         ZZ
                                         360        460,000.00          1
                                       6.375          2,869.80         84
                                       6.125          2,869.80
    SANTA ROSA       CA   95403          2            10/14/02         04
    0434867354                           05           12/01/02         12
    20620297                             O            11/01/32
    0

    8184067          696/G02             F          496,000.00         ZZ
                                         360        496,000.00          1
                                       6.750          3,217.05         80
                                       6.500          3,217.05
    GREAT FALLS      VA   22066          1            10/30/02         00
    0434879433                           05           12/01/02          0
    22802176                             O            11/01/32
    0

    8184689          420/G02             F          380,000.00         ZZ
                                         360        380,000.00          1
                                       6.375          2,370.71         80
                                       6.125          2,370.71
    PACIFICA         CA   94044          2            10/18/02         00
    0434876173                           05           12/01/02          0
    72003705                             O            11/01/32
    0

    8189259          738/G02             F          585,000.00         ZZ
                                         360        585,000.00          1
                                       6.875          3,843.04         69
                                       6.625          3,843.04
    BLYTHEWOOD       SC   29016          5            10/24/02         00
    0434876900                           05           12/01/02          0
    40606086                             O            11/01/32
    0

1

    8191093          A06/G02             F          388,000.00         ZZ
                                         360        388,000.00          1
                                       6.375          2,420.62         80
                                       6.125          2,420.62
    CLARKSTON        MI   48348          5            10/29/02         00
    0434875852                           29           12/01/02          0
    021000020223838                      O            11/01/32
    0

    8191761          A39/G02             F          640,000.00         ZZ
                                         360        640,000.00          1
                                       6.375          3,992.77         80
                                       6.125          3,992.77
    BELL CANYON      CA   91307          5            10/22/02         00
    0434866190                           03           12/01/02          0
    2201625                              O            11/01/32
    0

    8318550          E23/G02             F          353,500.00         ZZ
                                         360        352,601.94          1
                                       6.875          2,322.24         75
                                       6.625          2,322.24
    CHULA VISTA      CA   91910          5            07/03/02         00
    0434790895                           05           09/01/02          0
    11012017                             O            08/01/32
    0

    8330066          E23/G02             F          430,000.00         ZZ
                                         360        429,601.74          1
                                       6.375          2,682.64         73
                                       6.125          2,682.64
    HUNTINGTON BEAC  CA   92647          5            09/19/02         00
    0434688008                           05           11/01/02          0
    51018862                             O            10/01/32
    0

    8330172          E23/G02             F          388,000.00         ZZ
                                         360        387,649.25          1
                                       6.500          2,452.42         80
                                       6.250          2,452.42
    ENCINITAS        CA   92024          1            09/16/02         00
    0434692984                           05           11/01/02          0
    11013358                             O            10/01/32
    0

    8330254          E23/G02             F          366,000.00         ZZ
                                         360        365,661.02          1
                                       6.375          2,283.36         78
                                       6.125          2,283.36
1

    TEMECULA         CA   92592          2            09/21/02         00
    0434690236                           03           11/01/02          0
    11013568                             O            10/01/32
    0

    8330760          L20/G02             F          256,500.00         ZZ
                                         360        256,314.35          3
                                       7.625          1,815.49         90
                                       7.375          1,815.49
    RENO             NV   89502          1            10/02/02         10
    0434744009                           05           11/01/02         25
    616032                               N            10/01/32
    0

    8331066          R68/G02             F          650,000.00         ZZ
                                         360        650,000.00          1
                                       6.750          4,215.89         72
                                       6.500          4,215.89
    DAVIE            FL   33324          1            10/18/02         00
    0434803540                           03           12/01/02          0
    7385692                              O            11/01/32
    0

    8331068          R68/G02             F          370,500.00         ZZ
                                         360        370,500.00          1
                                       6.750          2,403.06         84
                                       6.500          2,403.06
    DANIA BEACH      FL   33004          2            10/09/02         10
    0434716296                           05           12/01/02         12
    7339264                              O            11/01/32
    0

    8333496          E23/G02             F          425,500.00         ZZ
                                         360        425,500.00          1
                                       6.500          2,689.45         76
                                       6.250          2,689.45
    SANTA ROSA       CA   95401          2            10/25/02         00
    0434866000                           05           12/01/02          0
    62003913                             O            11/01/32
    0

    8333752          E23/G02             F          335,000.00         ZZ
                                         360        335,000.00          1
                                       6.750          2,172.80         80
                                       6.500          2,172.80
    BRENTWOOD        CA   94513          5            10/11/02         00
    0434854329                           05           12/01/02          0
    61008030                             O            11/01/32
    0
1

    8333850          L68/G02             F          167,214.00         ZZ
                                         360        167,214.00          1
                                       7.625          1,183.53         90
                                       7.375          1,183.53
    ANNAPOLIS        MD   21401          2            10/28/02         14
    0434844932                           03           12/01/02         25
    5234373                              O            11/01/32
    0

    8334924          420/G02             F          445,000.00         ZZ
                                         360        445,000.00          1
                                       6.250          2,739.94         72
                                       6.000          2,739.94
    PENNGROVE        CA   94951          2            10/25/02         00
    0434854626                           05           12/01/02          0
    72003602                             O            11/01/32
    0

   TOTAL NUMBER OF LOANS   :        670

   TOTAL ORIGINAL BALANCE  :   212,710,237.00

   TOTAL PRINCIPAL BALANCE :   212,569,339.32

   TOTAL ORIGINAL P+I      :     1,369,735.41

   TOTAL CURRENT P+I       :     1,369,735.42

                             ***************************
                             *      END OF REPORT      *
                             ***************************

<TABLE>
<CAPTION>

                                   EXHIBIT TWO

                         SCHEDULE OF DISCOUNT FRACTIONS

                               Schedule of Discount Fractions

    Loan Number     Current Balance    Net Mortgage Rate  Discount Fraction   PO Balance

<S>   <C>             <C>                   <C>                <C>             <C>
      8057319         $177,826.99           5.845%             2.5833%         $4,593.86
      8059549         $137,169.72           5.970%             0.5000%          $685.85
      8067017         $74,928.83            5.970%             0.5000%          $374.64
      8069171         $167,840.60           5.970%             0.5000%          $839.20
      8069257         $65,487.81            5.970%             0.5000%          $327.44
      8069381         $182,822.13           5.845%             2.5833%         $4,722.91
      8072771         $269,743.81           5.970%             0.5000%         $1,348.72
      8072893         $175,828.94           5.845%             2.5833%         $4,542.25
      8074711         $87,828.50            5.845%             2.5833%         $2,268.90
      8075923         $183,601.76           5.720%             4.6667%         $8,568.08
      8076365         $163,840.59           5.845%             2.5833%         $4,232.55
      8076691         $174,234.52           5.970%             0.5000%          $871.17
      8077939         $83,920.30            5.970%             0.5000%          $419.60
      8078911         $199,810.24           5.970%             0.5000%          $999.05
      8078939         $169,830.76           5.720%             4.6667%         $7,925.44
      8078959         $252,000.00           5.970%             0.5000%         $1,260.00
      8078983         $116,339.51           5.970%             0.5000%          $581.70
      8081211         $201,500.00           5.720%             4.6667%         $9,403.33
      8086089         $169,838.70           5.970%             0.5000%          $849.19
      8086691         $154,500.00           5.720%             4.6667%         $7,210.00
      8086707         $197,802.89           5.720%             4.6667%         $9,230.80
      8087619         $300,400.65           5.720%             4.6667%        $14,018.70
      8087623         $98,899.07            5.595%             6.7500%         $6,675.69
      8087627         $249,751.12           5.720%             4.6667%        $11,655.05
      8087641         $243,507.35           5.720%             4.6667%        $11,363.68
      8087655         $189,810.85           5.720%             4.6667%         $8,857.84
      8087657         $299,715.35           5.970%             0.5000%         $1,498.58
      8087733         $239,772.28           5.970%             0.5000%         $1,198.86
      8087741         $76,422.00            5.595%             6.7500%         $5,158.49
      8087775         $226,235.14           5.970%             0.5000%         $1,131.18
      8089089         $201,404.06           5.845%             2.5833%         $5,202.94
      8089321         $171,500.00           5.970%             0.5000%          $857.50
      8089333         $195,814.02           5.970%             0.5000%          $979.07
      8089531         $181,419.22           5.720%             4.6667%         $8,466.23
      8090085         $96,907.96            5.970%             0.5000%          $484.54
      8090097         $189,819.72           5.970%             0.5000%          $949.10
      8092235         $94,700.62            5.970%             0.5000%          $473.50
      8092265         $229,781.77           5.970%             0.5000%         $1,148.91
      8092899         $177,860.94           5.970%             0.5000%          $889.30
      8093695         $39,960.18            5.720%             4.6667%         $1,864.81
      8093705         $113,500.00           5.720%             4.6667%         $5,296.67
      8093913         $130,000.00           5.970%             0.5000%          $650.00
      8093987         $132,000.00           5.970%             0.5000%          $660.00
      8094033         $300,000.00           5.970%             0.5000%         $1,500.00
      8094665         $179,829.21           5.970%             0.5000%          $899.15
      8094823         $223,200.00           5.970%             0.5000%         $1,116.00
      8095263         $184,774.51           5.970%             0.5000%          $923.87
      8095275         $209,790.94           5.720%             4.6667%         $9,790.24
      8095295         $274,739.07           5.970%             0.5000%         $1,373.70
      8095307         $177,031.87           5.970%             0.5000%          $885.16
      8095413         $274,739.07           5.970%             0.5000%         $1,373.70
      8096389         $163,844.39           5.970%             0.5000%          $819.22
      8096749         $133,872.86           5.970%             0.5000%          $669.36

 Wednesday, November 20, 2002                                                   Page 1 of 3
      8096757         $129,870.58           5.720%             4.6667%         $6,060.63
      8096777         $222,783.26           5.845%             2.5833%         $5,755.23
      8096989         $138,000.00           5.970%             0.5000%          $690.00
      8097085         $200,000.00           5.970%             0.5000%         $1,000.00
      8097127         $226,400.00           5.970%             0.5000%         $1,132.00
      8097193         $107,000.00           5.970%             0.5000%          $535.00
      8097211         $80,000.00            5.970%             0.5000%          $400.00
      8097621         $230,000.00           5.845%             2.5833%         $5,941.67
      8100773         $195,809.50           5.845%             2.5833%         $5,058.41
      8100927         $155,000.00           5.720%             4.6667%         $7,233.33
      8101781         $182,826.36           5.970%             0.5000%          $914.13
      8102773         $164,639.83           5.845%             2.5833%         $4,253.20
      8104109         $207,900.00           5.970%             0.5000%         $1,039.50
      8104247         $117,000.00           5.845%             2.5833%         $3,022.50
      8104299         $112,000.00           5.970%             0.5000%          $560.00
      8104337         $126,500.00           5.970%             0.5000%          $632.50
      8104351         $101,700.00           5.845%             2.5833%         $2,627.25
      8104391         $105,200.00           5.970%             0.5000%          $526.00
      8104899         $153,454.26           5.970%             0.5000%          $767.27
      8106893         $172,036.60           5.970%             0.5000%          $860.18
      8107775         $204,605.68           5.970%             0.5000%         $1,023.03
      8107787         $229,781.77           5.970%             0.5000%         $1,148.91
      8107813         $196,808.53           5.845%             2.5833%         $5,084.22
      8108183         $265,500.00           5.720%             4.6667%        $12,390.00
      8109133         $86,000.00            5.720%             4.6667%         $4,013.33
      8110021         $123,900.00           5.970%             0.5000%          $619.50
      8110161         $106,864.00           5.970%             0.5000%          $534.32
      8110171         $190,250.00           5.970%             0.5000%          $951.25
      8110211         $168,400.00           5.970%             0.5000%          $842.00
      8110215         $300,700.00           5.970%             0.5000%         $1,503.50
      8110739         $180,000.00           5.845%             2.5833%         $4,650.00
      8110963         $252,000.00           5.970%             0.5000%         $1,260.00
      8113805         $99,809.73            5.970%             0.5000%          $499.05
      8114653         $124,800.00           5.720%             4.6667%         $5,824.00
      8114691         $152,655.01           5.970%             0.5000%          $763.28
      8115239         $196,000.00           5.845%             2.5833%         $5,063.33
      8115749         $84,000.00            5.970%             0.5000%          $420.00
      8115999         $259,800.00           5.970%             0.5000%         $1,299.00
      8116271         $108,800.00           5.720%             4.6667%         $5,077.33
      8119565         $74,000.00            5.970%             0.5000%          $370.00
      8122185         $80,000.00            5.970%             0.5000%          $400.00
      8125271         $215,000.00           5.970%             0.5000%         $1,075.00
      8125847         $200,000.00           5.845%             2.5833%         $5,166.67
      8125997         $300,000.00           5.845%             2.5833%         $7,750.00
      8127349         $215,000.00           5.845%             2.5833%         $5,554.17
      8127479         $300,000.00           5.970%             0.5000%         $1,500.00
      8128661         $222,000.00           5.970%             0.5000%         $1,110.00
      8130167         $300,000.00           5.970%             0.5000%         $1,500.00
      8130413         $260,000.00           5.970%             0.5000%         $1,300.00
      8132811         $155,120.00           5.970%             0.5000%          $775.60
      8133013         $144,000.00           5.970%             0.5000%          $720.00
      8133279         $242,300.00           5.970%             0.5000%         $1,211.50
      8133693         $271,000.00           5.970%             0.5000%         $1,355.00
      8133707         $132,000.00           5.845%             2.5833%         $3,410.00
      8133867         $265,000.00           5.970%             0.5000%         $1,325.00
      8138039         $144,000.00           5.970%             0.5000%          $720.00
      8138063         $285,000.00           5.720%             4.6667%        $13,300.00

 Wednesday, November 20, 2002                                                   Page 2 of 3

      8138307         $145,000.00           5.970%             0.5000%          $725.00
      8138543         $299,715.35           5.970%             0.5000%         $1,498.58
      8140627         $140,000.00           5.970%             0.5000%          $700.00
      8141279         $175,000.00           5.845%             2.5833%         $4,520.83
      8141393         $79,500.00            5.970%             0.5000%          $397.50
      8141467         $300,500.00           5.970%             0.5000%         $1,502.50
      8141523         $154,700.00           5.970%             0.5000%          $773.50
      8142619         $200,500.00           5.970%             0.5000%         $1,002.50
      8143093         $131,920.00           5.970%             0.5000%          $659.60
      8144611         $178,500.00           5.845%             2.5833%         $4,611.25
      8144979         $180,000.00           5.970%             0.5000%          $900.00
      8147475         $175,000.00           5.845%             2.5833%         $4,520.83
      8148061         $122,500.00           5.845%             2.5833%         $3,164.58
      8148171         $169,838.70           5.970%             0.5000%          $849.19
      8148493         $172,000.00           5.720%             4.6667%         $8,026.67
      8149061         $200,000.00           5.845%             2.5833%         $5,166.67
      8149169         $175,950.00           5.845%             2.5833%         $4,545.38
      8149237         $156,000.00           5.845%             2.5833%         $4,030.00
      8149725         $127,000.00           5.970%             0.5000%          $635.00
      8149885         $121,400.00           5.970%             0.5000%          $607.00
      8150353         $148,000.00           5.970%             0.5000%          $740.00
      8150833         $190,500.00           5.970%             0.5000%          $952.50
      8151015         $164,000.00           5.720%             4.6667%         $7,653.33
      8151029         $152,000.00           5.845%             2.5833%         $3,926.67
      8151469         $172,000.00           5.845%             2.5833%         $4,443.33
      8154223         $180,000.00           5.970%             0.5000%          $900.00
      8154517         $112,000.00           5.970%             0.5000%          $560.00
      8155493         $299,250.00           5.845%             2.5833%         $7,730.63
      8157169         $297,500.00           5.970%             0.5000%         $1,487.50
      8157517         $149,600.00           5.970%             0.5000%          $748.00
      8157601         $182,990.00           5.970%             0.5000%          $914.95
      8159657         $300,000.00           5.845%             2.5833%         $7,750.00
      8162017         $50,000.00            5.970%             0.5000%          $250.00
      8162093         $138,000.00           5.970%             0.5000%          $690.00
      8163133         $151,000.00           5.970%             0.5000%          $755.00
      8168621         $157,600.00           5.970%             0.5000%          $788.00
      8168769         $178,661.00           5.845%             2.5833%         $4,615.41
      8192539         $119,000.00           5.970%             0.5000%          $595.00
      8332408         $115,000.00           5.720%             4.6667%         $5,366.67

 Wednesday, November 20, 2002                                                   Page 3 of 3

                               Schedule of Discount Fractions

    Loan Number     Current Balance    Net Mortgage Rate  Discount Fraction   PO Balance
      8057211         $334,082.71           5.970%             0.5000%         $1,670.41
      8072907         $472,551.20           5.970%             0.5000%         $2,362.76
      8079553         $409,610.98           5.970%             0.5000%         $2,048.05
      8086129         $394,625.21           5.970%             0.5000%         $1,973.13
      8088155         $399,611.22           5.845%             2.5833%        $10,323.29
      8089267         $371,500.00           5.970%             0.5000%         $1,857.50
      8092013         $319,696.37           5.970%             0.5000%         $1,598.48
      8092105         $346,171.22           5.970%             0.5000%         $1,730.86
      8092273         $519,000.00           5.470%             8.8333%        $45,845.00
      8095459         $600,000.00           5.970%             0.5000%         $3,000.00
      8097109         $325,000.00           5.970%             0.5000%         $1,625.00
      8101235         $349,000.00           5.970%             0.5000%         $1,745.00
      8102433         $319,688.98           5.845%             2.5833%         $8,258.63
      8102509         $349,667.91           5.970%             0.5000%         $1,748.34
      8104329         $324,800.00           5.970%             0.5000%         $1,624.00
      8104655         $329,671.48           5.720%             4.6667%        $15,384.67
      8104807         $451,571.13           5.970%             0.5000%         $2,257.86
      8104863         $511,502.36           5.845%             2.5833%        $13,213.81
      8105025         $444,577.77           5.970%             0.5000%         $2,222.89
      8105533         $627,000.00           5.845%             2.5833%        $16,197.50
      8110153         $380,000.00           5.720%             4.6667%        $17,733.33
      8110397         $400,000.00           5.720%             4.6667%        $18,666.67
      8110435         $496,000.00           5.970%             0.5000%         $2,480.00
      8111517         $550,000.00           5.970%             0.5000%         $2,750.00
      8115811         $411,599.56           5.845%             2.5833%        $10,632.99
      8117825         $759,278.88           5.970%             0.5000%         $3,796.39
      8118867         $392,000.00           5.845%             2.5833%        $10,126.67
      8119371         $487,000.00           5.970%             0.5000%         $2,435.00
      8121237         $312,000.00           5.970%             0.5000%         $1,560.00
      8121261         $464,000.00           5.845%             2.5833%        $11,986.67
      8122931         $628,681.15           5.970%             0.5000%         $3,143.41
      8123041         $509,538.95           5.970%             0.5000%         $2,547.69
      8123075         $367,667.32           5.970%             0.5000%         $1,838.34
      8123077         $469,575.11           5.970%             0.5000%         $2,347.88
      8123099         $479,566.07           5.970%             0.5000%         $2,397.83
      8123105         $598,445.20           5.970%             0.5000%         $2,992.23
      8123137         $486,759.56           5.970%             0.5000%         $2,433.80
      8127971         $522,503.76           5.970%             0.5000%         $2,612.52
      8132411         $372,000.00           5.970%             0.5000%         $1,860.00
      8132413         $329,686.88           5.970%             0.5000%         $1,648.43
      8132433         $342,674.55           5.970%             0.5000%         $1,713.37
      8132843         $356,000.00           5.970%             0.5000%         $1,780.00
      8133617         $352,500.00           5.970%             0.5000%         $1,762.50
      8136871         $561,966.28           5.970%             0.5000%         $2,809.83
      8138437         $384,000.00           5.970%             0.5000%         $1,920.00
      8141365         $430,000.00           5.970%             0.5000%         $2,150.00
      8141553         $368,500.00           5.970%             0.5000%         $1,842.50
      8141599         $344,000.00           5.970%             0.5000%         $1,720.00
      8142271         $327,000.00           5.845%             2.5833%         $8,447.50
      8142783         $320,000.00           5.970%             0.5000%         $1,600.00
      8142955         $320,000.00           5.970%             0.5000%         $1,600.00
      8142963         $540,000.00           5.845%             2.5833%        $13,950.00
      8143025         $332,500.00           5.970%             0.5000%         $1,662.50

 Wednesday, November 20, 2002                                                   Page 1 of 2

      8143041         $376,000.00           5.720%             4.6667%        $17,546.67
      8143851         $308,000.00           5.720%             4.6667%        $14,373.33
      8145571         $410,000.00           5.970%             0.5000%         $2,050.00
      8146069         $348,800.00           5.845%             2.5833%         $9,010.67
      8147065         $490,000.00           5.970%             0.5000%         $2,450.00
      8150121         $410,500.00           5.970%             0.5000%         $2,052.50
      8150337         $387,500.00           5.970%             0.5000%         $1,937.50
      8150537         $315,000.00           5.970%             0.5000%         $1,575.00
      8150955         $399,000.00           5.970%             0.5000%         $1,995.00
      8151219         $415,000.00           5.970%             0.5000%         $2,075.00
      8157299         $440,000.00           5.970%             0.5000%         $2,200.00
      8158581         $344,000.00           5.970%             0.5000%         $1,720.00
      8161347         $650,000.00           5.970%             0.5000%         $3,250.00
      8161979         $380,000.00           5.845%             2.5833%         $9,816.67
      8162331         $373,450.00           5.970%             0.5000%         $1,867.25
      8164731         $320,000.00           5.970%             0.5000%         $1,600.00
      8334924         $445,000.00           5.970%             0.5000%         $2,225.00

 Wednesday, November 20, 2002                                                   Page 2 of 2

</TABLE>

<PAGE>

                                  EXHIBIT THREE

                          INFORMATION TO BE INCLUDED IN
                       MONTHLY DISTRIBUTION DATE STATEMENT

(i)  (a) the amount of such distribution to the Certificateholders of such Class
     applied to reduce the Certificate  Principal  Balance thereof,  and (b) the
     aggregate amount included therein representing Principal Prepayments;

(ii) the amount of such  distribution  to Holders of such Class of  Certificates
     allocable to interest;

(iii)   if the distribution to the Holders of such Class of Certificates is less
        than the full  amount  that would be  distributable  to such  Holders if
        there  were  sufficient  funds  available  therefor,  the  amount of the
        shortfall;

(iv) the amount of any Advance by the Master Servicer pursuant to Section 4.04;

(v)  the number and Pool Stated  Principal  Balance of the Mortgage  Loans after
     giving effect to the distribution of principal on such Distribution Date;

(vi) the aggregate  Certificate Principal Balance of each Class of Certificates,
     and each of the  related  Class CB  Percentage,  Class  NB  Percentage  and
     Subordinate   Class   Percentage,   after  giving  effect  to  the  amounts
     distributed on such Distribution Date, separately identifying any reduction
     thereof  due  to  Realized   Losses  other  than   pursuant  to  an  actual
     distribution of principal;

(vii)the  related  Subordinate  Principal  Distribution  Amount  and  Prepayment
     Distribution Percentage, if applicable;

(viii) on the basis of the most recent reports furnished to it by Sub-Servicers,
     the number and  aggregate  principal  balances of  Mortgage  Loans that are
     Delinquent  (A) 30-59 days,  (B) 60-89 days and (C) 90 or more days and the
     number  and  aggregate  principal  balance  of  Mortgage  Loans that are in
     foreclosure;

(ix) the  number,  aggregate  principal  balance  and  book  value  of  any  REO
     Properties;

(x)  the aggregate Accrued  Certificate  Interest  remaining unpaid, if any, for
     each Class of Certificates, after giving effect to the distribution made on
     such Distribution Date;

(xi) the Special  Hazard Amount,  Fraud Loss Amount and Bankruptcy  Amount as of
     the close of business on such  Distribution  Date and a description  of any
     change in the calculation of such amounts;

(xii)the  weighted  average Pool Strip Rate for such  Distribution  Date and the
     Pass-Through  Rate with  respect  to the Class  A-V  Certificates  and each
     Subclass, if any, thereof;

<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;

(xvii)  the aggregate amount of Realized Losses for such Distribution Date;

(xviii) the aggregate  amount of any recoveries on previously  foreclosed  loans
        from Sellers due to a breach of a representation or warranty assigned to
        the Trustee pursuant to Section 2.04;

(xix)   the weighted  average  remaining  term to maturity of the Mortgage Loans
        after  giving  effect to the amounts  distributed  on such  Distribution
        Date; and

(xx)    the weighted  average  Mortgage Rates of the Mortgage Loans after giving
        effect to the amounts distributed on such Distribution Date.

        In the case of  information  furnished  pursuant to clauses (i) and (ii)
above,  the amounts shall be expressed as a dollar amount per Certificate with a
$1,000 denomination.

        The Trustee's internet website, and assistance in using the website, can
be  obtained  by  calling  the  Trustee's  Shareholder  Relations  desk at (800)
735-7777.  To receive this statement via first class mail, telephone the Trustee
at (800) 735-7777.

<PAGE>

                                  EXHIBIT FOUR

                     STANDARD TERMS OF POOLING AND SERVICING
                      AGREEMENT DATED AS OF AUGUST 1, 2002

                                 EXECUTION COPY

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

                                STANDARD TERMS OF
                         POOLING AND SERVICING AGREEMENT

                           Dated as of August 1, 2002

                        Residential Accredit Loans, Inc.
                 Mortgage Asset-Backed Pass-Through Certificates

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

<PAGE>
<TABLE>
<CAPTION>

                                TABLE OF CONTENTS

                                                                                            PAGE

                                                -i-

<S>                                                                                        <C>
Article I         DEFINITIONS...............................................................2

        Section 1.01. Definitions...........................................................2

        Section 1.02. Use of Words and Phrases.............................................31

Article II        CONVEYANCE OF MORTGAGE LOANS; ORIGINAL ISSUANCE OF CERTIFICATES..........32

        Section 2.01. Conveyance of Mortgage Loans.........................................32

        Section 2.02. Acceptance by Trustee................................................38

        Section 2.03. Representations, Warranties and Covenants of the Master Servicer
               and the Company.............................................................39

        Section 2.04. Representations and Warranties of Sellers............................41

        Section 2.05. Execution and Authentication of Certificates/Issuance of Certificates
               Evidencing Interests in REMIC I Certificates................................43

        Section 2.06. Conveyance of Uncertificated REMIC I and REMIC II Regular Interests;
               Acceptance by the Trustee...................................................43

        Section 2.07. Issuance of Certificates Evidencing Interests in REMIC II............43

        Section 2.08. Purposes and Powers of the Trust.....................................43

Article III       ADMINISTRATION AND SERVICING OF MORTGAGE LOANS...........................44

        Section 3.01. Master Servicer to Act as Servicer...................................44

        Section 3.02. Subservicing Agreements Between Master Servicer and Subservicers; Enforcement
               of Subservicers' and Sellers' Obligations...................................45

        Section 3.03. Successor Subservicers...............................................46

        Section 3.04. Liability of the Master Servicer.....................................47

        Section 3.05. No Contractual Relationship Between Subservicer and Trustee or
               Certificateholders..........................................................47

        Section 3.06. Assumption or Termination of Subservicing Agreements by Trustee..... 47

        Section 3.07. Collection of Certain Mortgage Loan Payments;  Deposits to Custodial Account
               48

        Section 3.08. Subservicing Accounts; Servicing Accounts............................50

        Section 3.09. Access to Certain Documentation and  Information Regarding the
                        Mortgage Loans ....................................................52

        Section 3.10. Permitted Withdrawals from the Custodial Account.....................52

<PAGE>

        Section 3.11. Maintenance of the Primary Insurance  Policies; Collections Thereunder54

        Section 3.12. Maintenance of Fire Insurance and  Omissions and Fidelity Coverage...55

        Section 3.13. Enforcement of Due-on-Sale Clauses; Assumption and  Modification Agreements;
               Certain Assignments.........................................................56

        Section 3.14. Realization Upon Defaulted Mortgage Loans............................58

        Section 3.15. Trustee to Cooperate; Release of Mortgage Files......................61

        Section 3.16. Servicing and Other Compensation; Compensating Interest..............63

        Section 3.17. Reports to the Trustee and the Company...............................64

        Section 3.18. Annual Statement as to Compliance....................................64

        Section 3.19. Annual Independent Public Accountants' Servicing Report..............64

        Section 3.20. Rights of the Company in Respect of the Master Servicer..............65

        Section 3.21. Administration of Buydown Funds......................................65

Article IV        PAYMENTS TO CERTIFICATEHOLDERS...........................................67

        Section 4.01. Certificate Account..................................................67

        Section 4.02. Distributions........................................................67

        Section 4.03. Statements to Certificateholders.....................................67

        Section 4.04. Distribution of Reports to the Trustee and  the Company; Advances by the
               Master Servicer.............................................................68

        Section 4.05. Allocation of Realized Losses........................................70

        Section 4.06. Reports of Foreclosures and Abandonment of Mortgaged Property........70

        Section 4.07. Optional Purchase of Defaulted Mortgage Loans........................70

        Section 4.08. Surety Bond..........................................................70

Article V         THE CERTIFICATES.........................................................72

        Section 5.01. The Certificates.....................................................72

        Section 5.02. Registration of Transfer and Exchange of Certificates................74

        Section 5.03. Mutilated, Destroyed, Lost or Stolen Certificates....................79

        Section 5.04. Persons Deemed Owners................................................80

        Section 5.05. Appointment of Paying Agent..........................................80
<PAGE>

Article VI        THE COMPANY AND THE MASTER SERVICER......................................81

        Section 6.01. Respective Liabilities of the Company and the Master Servicer........81

        Section 6.02. Merger or Consolidation of the Company or the Master Servicer; Assignment of
               Rights and Delegation of Duties by Master Servicer..........................81

        Section 6.03. Limitation on Liability of the Company,  the Master Servicer and Others 82

        Section 6.04. Company and Master Servicer Not to Resign............................83

Article VII       DEFAULT..................................................................84

        Section 7.01. Events of Default....................................................84

        Section 7.02. Trustee or Company to Act; Appointment of Successor..................86

        Section 7.03. Notification to Certificateholders...................................87

        Section 7.04. Waiver of Events of Default..........................................87

Article VIII      CONCERNING THE TRUSTEE...................................................88

        Section 8.01. Duties of Trustee....................................................88

        Section 8.02. Certain Matters Affecting the Trustee................................89

        Section 8.03. Trustee Not Liable for Certificates or Mortgage Loans................91

        Section 8.04. Trustee May Own Certificates.........................................91

        Section 8.05. Master Servicer to Pay Trustee's Fees  and Expenses; Indemnification.91

        Section 8.06. Eligibility Requirements for Trustee.................................92

        Section 8.07. Resignation and Removal of the Trustee...............................93

        Section 8.08. Successor Trustee....................................................93

        Section 8.09. Merger or Consolidation of Trustee...................................94

        Section 8.10. Appointment of Co-Trustee or Separate Trustee........................94

        Section 8.11. Appointment of Custodians............................................95

        Section 8.12. Appointment of Office or Agency......................................96

Article IX        TERMINATION OR OPTIONAL PURCHASE OF ALL CERTIFICATES.....................97

        Section 9.01. Optional  Purchase by the Master Servicer of All Certificates; Termination
               Upon Purchase by the Master Servicer or Liquidation of All Mortgage Loans...97
<PAGE>

        Section 9.02. Additional Termination Requirements.................................100

        Section 9.03. Termination of Multiple REMICs......................................101

Article X         REMIC PROVISIONS........................................................102

        Section 10.01.REMIC Administration................................................102

        Section 10.02.Master Servicer, REMIC Administrator and Trustee Indemnification....105

        Section 10.03.Designation of REMIC(s).............................................106

Article XI        MISCELLANEOUS PROVISIONS................................................107

        Section 11.01.Amendment...........................................................107

        Section 11.02.Recordation of Agreement; Counterparts..............................109

        Section 11.03.Limitation on Rights of Certificateholders..........................110

        Section 11.04.Governing Law.......................................................110

        Section 11.05.Notices.............................................................111

        Section 11.06.Required Notices to Rating Agency and Subservicer...................111

        Section 11.07.Severability of Provisions..........................................111

        Section 11.08.Supplemental Provisions for Resecuritization........................112

        Section 11.09.Allocation of Voting Rights.........................................112

        Section 11.10.No Petition.........................................................112

<PAGE>

                                    EXHIBITS

Exhibit A:      Form of Class A Certificate
Exhibit B:      Form of Class M Certificate
Exhibit C:      Form of Class B Certificate
Exhibit D:      Form of Class R Certificate
Exhibit E:      Form of Seller/Servicer Contract
Exhibit F:      Forms of Request for Release
Exhibit G-1:    Form of Transfer Affidavit and Agreement
Exhibit G-2:    Form of Transferor Certificate
Exhibit H:      Form of Investor Representation Letter
Exhibit I:      Form of Transferor Representation Letter
Exhibit J:      Form of Rule 144A Investment Representation Letter
Exhibit K:      Text of Amendment to Pooling and Servicing Agreement
                Pursuant to Section 11.01(e) for a Limited Guaranty
Exhibit L:      Form of Limited Guaranty
Exhibit M:      Form of Lender Certification for Assignment of Mortgage Loan
Exhibit N:      Request for Exchange Form

</TABLE>

<PAGE>

        This is the Standard Terms of Pooling and Servicing Agreement,  dated as
of August 1, 2002 (the "Standard Terms", and as incorporated by reference into a
Series  Supplement  dated as of the Cut-off  Date,  the "Pooling  and  Servicing
Agreement" or  "Agreement"),  among  RESIDENTIAL  ACCREDIT  LOANS,  INC., as the
company  (together with its permitted  successors and assigns,  the  "Company"),
RESIDENTIAL FUNDING CORPORATION, as master servicer (together with its permitted
successors  and assigns,  the "Master  Servicer"),  and the trustee named in the
applicable  Series  Supplement  (together  with  its  permitted  successors  and
assigns, the "Trustee").

                             PRELIMINARY STATEMENT:

        The Company intends to sell certain mortgage  asset-backed  pass-through
certificates  (collectively,  the  "Certificates"),   to  be  issued  under  the
Agreement in multiple  classes,  which in the aggregate will evidence the entire
beneficial ownership interest in the Mortgage Loans.

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

<PAGE>

                                   ARTICLE I

                                   DEFINITIONS

Section 1.01.  Definitions.

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

        Accretion Termination Date:  As defined in the Series Supplement.

        Accrual Certificates:  As defined in the Series Supplement.

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

        (i)    Prepayment  Interest  Shortfalls on all Mortgage Loans or, if the
               Mortgage  Pool is comprised  of two or more Loan  Groups,  on the
               Mortgage  Loans in the  related  Loan  Group (to the  extent  not
               offset by the  Master  Servicer  with a payment  of  Compensating
               Interest as provided in Section 4.01),

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

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

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

                                       2
<PAGE>

with  all  such  reductions  allocated  (A)  among  all of the  Certificates  in
proportion to their respective amounts of Accrued  Certificate  Interest payable
on such  Distribution Date absent such reductions or (B) if the Mortgage Pool is
comprised  of two or more Loan Groups,  the related  Senior  Percentage  of such
reductions among the related Senior Certificates in proportion to the amounts of
Accrued  Certificate  Interest  payable  from  the  related  Loan  Group on such
Distribution Date absent such reductions,  with the remainder of such reductions
allocated among the holders of the Class M Certificates and Class B Certificates
in  proportion  to their  respective  amounts  of Accrued  Certificate  Interest
payable on such  Distribution  Date absent such reductions.  In addition to that
portion of the reductions described in the preceding sentence that are allocated
to any  Class  of Class B  Certificates  or any  Class of Class M  Certificates,
Accrued Certificate Interest on such Class of Class B Certificates or such Class
of Class M Certificates will be reduced by the interest portion (adjusted to the
Net Mortgage Rate) of Realized Losses that are allocated solely to such Class of
Class B Certificates  or such Class of Class M Certificates  pursuant to Section
4.05.

     Addendum and Assignment  Agreement:  The Addendum and Assignment Agreement,
dated as of January 31, 1995, between MLCC and the Master Servicer.

        Additional  Collateral:  Any of the  following  held, in addition to the
related  Mortgaged  Property,  as security for a Mortgage  Loan:  (i) all money,
securities,  security  entitlements,   accounts,  general  intangibles,  payment
rights,  instruments,  documents,  deposit  accounts,  certificates  of deposit,
commodities  contracts  and other  investment  property  and other  property  of
whatever kind or description now existing or hereafter acquired which is pledged
as  security  for  the  repayment  of  such  Mortgage  Loan,  (ii)   third-party
guarantees,  and (A) all money,  securities,  security  entitlements,  accounts,
general intangibles,  payment rights, instruments,  documents, deposit accounts,
certificates of deposit, commodities contracts and other investment property and
other  property of  whatever  kind or  description  now  existing  or  hereafter
acquired  which is pledged as collateral for such guarantee or (B) any mortgaged
property  securing  the  performance  of such  guarantee,  or (iii)  such  other
collateral as may be set forth in the Series Supplement.

     Additional  Collateral  Loan:  Each  Mortgage  Loan  that is  supported  by
Additional Collateral.

        Adjusted  Mortgage Rate:  With respect to any Mortgage Loan and any date
of determination, the Mortgage Rate borne by the related Mortgage Note, less the
rate at which the related Subservicing Fee accrues.

     Advance:  As to any Mortgage Loan, any advance made by the Master Servicer,
pursuant to Section 4.04.

        Affiliate:  With respect to any Person,  any other  Person  controlling,
controlled by or under common  control with such first Person.  For the purposes
of this  definition,  "control"  means the power to direct  the  management  and
policies of such Person,  directly or indirectly,  whether through the ownership
of voting securities,  by contract or otherwise; and the terms "controlling" and
"controlled" have meanings correlative to the foregoing.

                                       3
<PAGE>

     Ambac:  Ambac  Assurance  Corporation  (formerly  known as AMBAC  Indemnity
Corporation).

        Amount Held for Future  Distribution:  As to any Distribution  Date and,
with respect to any Mortgage  Pool that is comprised of two or more Loan Groups,
each Loan Group,  the total of the amounts held in the Custodial  Account at the
close  of  business  on the  preceding  Determination  Date  on  account  of (i)
Liquidation Proceeds, Subsequent Recoveries,  Insurance Proceeds,  Curtailments,
Mortgage Loan  purchases made pursuant to Section 2.02,  2.03,  2.04 or 4.07 and
Mortgage  Loan  substitutions  made pursuant to Section 2.03 or 2.04 received or
made in the  month  of such  Distribution  Date  (other  than  such  Liquidation
Proceeds,  Insurance  Proceeds and  purchases of Mortgage  Loans that the Master
Servicer has deemed to have been received in the  preceding  month in accordance
with Section 3.07(b)),  and Principal Prepayments in Full made after the related
Prepayment  Period, and (ii) payments which represent early receipt of scheduled
payments of  principal  and interest  due on a date or dates  subsequent  to the
related Due Date.

        Appraised  Value:  As to any Mortgaged  Property,  the lesser of (i) the
appraised value of such Mortgaged  Property based upon the appraisal made at the
time of the  origination of the related  Mortgage Loan, and (ii) the sales price
of the Mortgaged  Property at such time of origination,  except in the case of a
Mortgaged  Property  securing a refinanced or modified Mortgage Loan as to which
it is  either  the  appraised  value  determined  above or the  appraised  value
determined in an appraisal at the time of  refinancing or  modification,  as the
case may be.

        Assigned  Contracts:  With respect to any Pledged Asset Loan: the Credit
Support Pledge Agreement; the Funding and Pledge Agreement,  among GMAC Mortgage
Corporation,  National Financial Services Corporation and the Mortgagor or other
person pledging the related Pledged Assets; the Additional Collateral Agreement,
between GMAC Mortgage Corporation and the Mortgagor or other person pledging the
related  Pledged  Assets;  or such  other  contracts  as may be set forth in the
Series Supplement.

        Assignment:  An  assignment  of the  Mortgage,  notice  of  transfer  or
equivalent  instrument,  in recordable  form,  sufficient  under the laws of the
jurisdiction  wherein  the related  Mortgaged  Property is located to reflect of
record  the  sale  of the  Mortgage  Loan to the  Trustee  for  the  benefit  of
Certificateholders,   which   assignment,   notice  of  transfer  or  equivalent
instrument  may be in the  form  of one or  more  blanket  assignments  covering
Mortgages  secured  by  Mortgaged  Properties  located  in the same  county,  if
permitted by law and accompanied by an Opinion of Counsel to that effect.

        Assignment Agreement: The Assignment and Assumption Agreement, dated the
Closing  Date,  between  Residential  Funding  and the  Company  relating to the
transfer and assignment of the Mortgage Loans.

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

        Available  Distribution  Amount:  As to any Distribution  Date and, with
respect to any Mortgage  Pool  comprised  of two or more Loan Groups,  each Loan
Group, an amount equal to (a) the sum of (i) the amount relating to the Mortgage
Loans on deposit in the  Custodial  Account as of the close of  business  on the

                                       4
<PAGE>

immediately preceding  Determination Date, including any Subsequent  Recoveries,
and  amounts   deposited  in  the  Custodial  Account  in  connection  with  the
substitution  of Qualified  Substitute  Mortgage  Loans,  (ii) the amount of any
Advance made on the  immediately  preceding  Certificate  Account  Deposit Date,
(iii) any amount deposited in the Certificate Account on the related Certificate
Account Deposit Date pursuant to the second paragraph of Section  3.12(a),  (iv)
any amount  deposited in the Certificate  Account  pursuant to Section 4.07, (v)
any amount  that the Master  Servicer  is not  permitted  to  withdraw  from the
Custodial Account or the Certificate  Account pursuant to Section 3.16(e),  (vi)
any amount  received  by the  Trustee  pursuant to the Surety Bond in respect of
such  Distribution Date and (vii) the proceeds of any Pledged Assets received by
the Master  Servicer,  reduced by (b) the sum as of the close of business on the
immediately  preceding  Determination Date of (w) aggregate Foreclosure Profits,
(x) the Amount Held for Future  Distribution,  and (y) amounts  permitted  to be
withdrawn by the Master  Servicer from the  Custodial  Account in respect of the
Mortgage Loans pursuant to clauses (ii)-(x), inclusive, of Section 3.10(a). Such
amount shall be determined  separately for each Loan Group.  Additionally,  with
respect to any Mortgage Pool that is comprised of two or more Loan Groups, if on
any Distribution  Date  Compensating  Interest provided pursuant to this Section
3.16(e) is less than  Prepayment  Interest  Shortfalls  incurred on the Mortgage
Loans in connection with Principal  Prepayments in Full and Curtailments made in
the prior calendar month, such Compensating  Interest shall be allocated on such
Distribution Date to the Available  Distribution Amount for each Loan Group on a
pro rata basis in  accordance  with the  respective  amounts of such  Prepayment
Interest Shortfalls incurred on the Mortgage Loans in such Loan Group in respect
of such Distribution Date.

        Bankruptcy Code:  The Bankruptcy Code of 1978, as amended.
        ---------------

        Bankruptcy  Loss:  With  respect  to  any  Mortgage  Loan,  a  Deficient
Valuation or Debt Service Reduction; provided, however, that neither a Deficient
Valuation  nor a Debt  Service  Reduction  shall  be  deemed a  Bankruptcy  Loss
hereunder  so long as the Master  Servicer  has  notified the Trustee in writing
that the Master  Servicer is diligently  pursuing any remedies that may exist in
connection  with the  representations  and warranties made regarding the related
Mortgage  Loan and either (A) the related  Mortgage  Loan is not in default with
regard to payments due  thereunder or (B)  delinquent  payments of principal and
interest  under the related  Mortgage  Loan and any  premiums on any  applicable
primary hazard  insurance  policy and any related escrow  payments in respect of
such Mortgage Loan are being advanced on a current basis by the Master  Servicer
or a  Subservicer,  in either case  without  giving  effect to any Debt  Service
Reduction.

        Book-Entry  Certificate:  Any Certificate  registered in the name of the
Depository or its nominee,  and designated as such in the Preliminary  Statement
to the Series Supplement.

        Business  Day:  Any day other than (i) a Saturday  or a Sunday or (ii) a
day on which  banking  institutions  in the  State  of New  York,  the  State of
Michigan, the State of California or the State of Illinois (and such other state
or states in which the Custodial  Account or the Certificate  Account are at the
time located) are required or authorized by law or executive order to be closed.

                                       5
<PAGE>

        Buydown  Funds:  Any amount  contributed  by the  seller of a  Mortgaged
Property, the Company or other source in order to enable the Mortgagor to reduce
the payments  required to be made from the Mortgagor's  funds in the early years
of a  Mortgage  Loan.  Buydown  Funds  are not part of the Trust  Fund  prior to
deposit into the Custodial or Certificate Account.

        Buydown  Mortgage Loan: Any Mortgage Loan as to which a specified amount
of interest is paid out of related  Buydown Funds in  accordance  with a related
buydown agreement.

        Cash  Liquidation:  As to  any  defaulted  Mortgage  Loan  other  than a
Mortgage Loan as to which an REO Acquisition  occurred,  a determination  by the
Master  Servicer  that  it has  received  all  Insurance  Proceeds,  Liquidation
Proceeds  and  other  payments  or cash  recoveries  which the  Master  Servicer
reasonably and in good faith expects to be finally  recoverable  with respect to
such Mortgage Loan.

     Certificate Account Deposit Date: As to any Distribution Date, the Business
Day prior thereto.

        Certificateholder  or Holder:  The Person in whose name a Certificate is
registered  in  the  Certificate  Register,  and,  in  respect  of  any  Insured
Certificates,  the  Certificate  Insurer to the extent of  Cumulative  Insurance
Payments,  except that  neither a  Disqualified  Organization  nor a  Non-United
States  Person shall be a holder of a Class R  Certificate  for purposes  hereof
and, solely for the purpose of giving any consent or direction  pursuant to this
Agreement, any Certificate, other than a Class R Certificate,  registered in the
name of the Company,  the Master  Servicer or any  Subservicer  or any Affiliate
thereof shall be deemed not to be  outstanding  and the  Percentage  Interest or
Voting Rights  evidenced  thereby shall not be taken into account in determining
whether the requisite amount of Percentage  Interests or Voting Rights necessary
to effect any such consent or direction has been obtained. All references herein
to "Holders" or  "Certificateholders"  shall  reflect the rights of  Certificate
Owners as they may  indirectly  exercise such rights  through the Depository and
participating members thereof,  except as otherwise specified herein;  provided,
however,  that the  Trustee  shall be  required  to  recognize  as a "Holder" or
"Certificateholder" only the Person in whose name a Certificate is registered in
the Certificate Register.

        Certificate Insurer: As defined in the Series Supplement.

        Certificate Owner: With respect to a Book-Entry Certificate,  the Person
who is the beneficial owner of such Certificate, as reflected on the books of an
indirect participating brokerage firm for which a Depository Participant acts as
agent, if any, and otherwise on the books of a Depository  Participant,  if any,
and otherwise on the books of the Depository.

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

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

     (ii) any Subsequent  Recoveries added to the Certificate  Principal Balance
          of such Certificate pursuant to Section 4.02, plus

                                       6
<PAGE>

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

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

provided,  that the  Certificate  Principal  Balance of each  Certificate of the
Class of  Subordinate  Certificates  with the Lowest  Priority at any given time
shall  be  further  reduced  by an  amount  equal  to  the  Percentage  Interest
represented  by such  Certificate  multiplied by the excess,  if any, of (A) the
then aggregate Certificate Principal Balance of all Classes of Certificates then
outstanding over (B) the then aggregate Stated Principal Balance of the Mortgage
Loans.

     Certificate Register and Certificate Registrar: The register maintained and
the registrar appointed pursuant to Section 5.02.

        Class:   Collectively,   all  of  the  Certificates   bearing  the  same
designation.  The initial Class A-V Certificates and any Subclass thereof issued
pursuant  to  Section  5.01(c)  shall be a single  Class  for  purposes  of this
Agreement.

     Class A-P Certificate:  Any one of the  Certificates  designated as a Class
A-P Certificate.

        Class A-P Collection Shortfall:  With respect to the Cash Liquidation or
REO  Disposition  of a Discount  Mortgage Loan and any  Distribution  Date,  the
excess of the  amount  described  in  Section  4.02(b)(i)(C)(1)  over the amount
described in Section 4.02(b)(i)(C)(2).

        Class A-P Principal Distribution Amount:  As defined in Section 4.02.

     Class A-V Certificate:  Any one of the  Certificates  designated as a Class
A-V Certificate, including any Subclass thereof.

        Class B Certificate:  Any one of the Certificates  designated as a Class
B-1 Certificate, Class B-2 Certificate or Class B-3 Certificate.

        Class M Certificate:  Any one of the Certificates  designated as a Class
M-1 Certificate, Class M-2 Certificate or Class M-3 Certificate.

        Closing Date:  As defined in the Series Supplement.

        Code:  The Internal Revenue Code of 1986.

     Combined  Collateral  LLC:  Combined  Collateral  LLC, a  Delaware  limited
liability company.

                                       7
<PAGE>

        Compensating Interest:  With respect to any Distribution Date, an amount
equal to Prepayment Interest Shortfalls resulting from Principal  Prepayments in
Full  during the related  Prepayment  Period and  Curtailments  during the prior
calendar  month and  included  in the  Available  Distribution  Amount  for such
Distribution  Date, but not more than the lesser of (a) one-twelfth of 0.125% of
the Stated Principal  Balance of the Mortgage Loans  immediately  preceding such
Distribution  Date and (b) the sum of the  Servicing Fee and all income and gain
on amounts held in the Custodial Account and the Certificate Account and payable
to the Certificateholders  with respect to such Distribution Date; provided that
for  purposes of this  definition  the amount of the  Servicing  Fee will not be
reduced pursuant to Section 7.02 except as may be required  pursuant to the last
sentence of such Section.

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

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

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

        Cooperative  Loans:  Any of the  Mortgage  Loans  made in  respect  of a
Cooperative  Apartment,  evidenced  by a  Mortgage  Note  and  secured  by (i) a
Security  Agreement,  (ii) the related  Cooperative Stock Certificate,  (iii) an
assignment of the Cooperative  Lease, (iv) financing  statements and (v) a stock
power (or other  similar  instrument),  and  ancillary  thereto,  a  recognition
agreement  between the Cooperative  and the originator of the Cooperative  Loan,
each of which was  transferred  and assigned to the Trustee  pursuant to Section
2.01 and are from time to time held as part of the Trust Fund.

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

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

        Credit Support Depletion Date: The first  Distribution Date on which the
Certificate Principal Balances of the Subordinate Certificates have been reduced
to zero.

        Credit Support Pledge  Agreement:  The Credit Support Pledge  Agreement,
dated as of  November  24,  1998,  among  the  Master  Servicer,  GMAC  Mortgage
Corporation, Combined Collateral LLC and The First National Bank of Chicago (now
known as Bank One, National Association), as custodian.

        Cumulative Insurance Payments:  As defined in the Series Supplement.

                                       8
<PAGE>

     Curtailment:  Any Principal  Prepayment  made by a Mortgagor which is not a
Principal Prepayment in Full.

        Custodial  Account:  The  custodial  account  or  accounts  created  and
maintained pursuant to Section 3.07 in the name of a depository institution,  as
custodian for the holders of the Certificates,  for the holders of certain other
interests in mortgage loans serviced or sold by the Master  Servicer and for the
Master  Servicer,  into which the  amounts  set forth in  Section  3.07 shall be
deposited directly. Any such account or accounts shall be an Eligible Account.

        Custodial  Agreement:  An  agreement  that may be entered into among the
Company, the Master Servicer,  the Trustee and a Custodian pursuant to which the
Custodian will hold certain  documents  relating to the Mortgage Loans on behalf
of the Trustee.

        Custodian:  A custodian appointed pursuant to a Custodial Agreement.

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

        Debt Service  Reduction:  With respect to any Mortgage Loan, a reduction
in the scheduled  Monthly Payment for such Mortgage Loan by a court of competent
jurisdiction in a proceeding under the Bankruptcy Code,  except such a reduction
constituting a Deficient  Valuation or any reduction that results in a permanent
forgiveness of principal.

        Deficient Valuation: With respect to any Mortgage Loan, a valuation by a
court of competent jurisdiction of the Mortgaged Property in an amount less than
the then outstanding  indebtedness  under the Mortgage Loan, or any reduction in
the amount of  principal to be paid in  connection  with any  scheduled  Monthly
Payment that constitutes a permanent  forgiveness of principal,  which valuation
or reduction results from a proceeding under the Bankruptcy Code.

     Definitive   Certificate:   Any   Certificate   other  than  a   Book-Entry
Certificate.

     Deleted  Mortgage  Loan: A Mortgage  Loan replaced or to be replaced with a
Qualified Substitute Mortgage Loan.

        Delinquent:  As used herein, a Mortgage Loan is considered to be: "30 to
59 days" or "30 or more days" delinquent when a payment due on any scheduled due
date  remains  unpaid  as of the  close of  business  on the last  business  day
immediately  prior to the next following  monthly  scheduled due date; "60 to 89
days" or "60 or more days"  delinquent  when a payment due on any  scheduled due
date  remains  unpaid  as of the  close of  business  on the last  business  day
immediately prior to the second following monthly scheduled due date; and so on.
The  determination  as to whether a Mortgage Loan falls into these categories is
made as of the close of business  on the last  business  day of each month.  For
example, a Mortgage Loan with a payment due on July 1 that remained unpaid as of
the close of  business on July 31 would then be  considered  to be 30 to 59 days
delinquent.  Delinquency  information  as of the Cut-off Date is determined  and
prepared as of the close of business on the last business day immediately  prior
to the Cut-off Date.

                                       9
<PAGE>

        Depository:  The Depository Trust Company,  or any successor  Depository
hereafter  named.  The  nominee  of  the  initial  Depository  for  purposes  of
registering those Certificates that are to be Book-Entry  Certificates is Cede &
Co. The Depository shall at all times be a "clearing  corporation" as defined in
Section  8-102(a)(5) of the Uniform Commercial Code of the State of New York and
a "clearing agency" registered  pursuant to the provisions of Section 17A of the
Securities Exchange Act of 1934, as amended.

        Depository  Participant:  A  broker,  dealer,  bank or  other  financial
institution  or other  Person  for whom from time to time a  Depository  effects
book-entry transfers and pledges of securities deposited with the Depository.

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

        Determination Date: As defined in the Series Supplement.

        Discount  Fraction:  With respect to each Discount  Mortgage  Loan,  the
fraction  expressed as a percentage,  the numerator of which is the Discount Net
Mortgage Rate minus the Net Mortgage Rate (or the initial Net Mortgage Rate with
respect to any Discount Mortgage Loans as to which the Mortgage Rate is modified
pursuant to 3.07(a)) for such Mortgage Loan and the  denominator of which is the
Discount Net Mortgage Rate. The Discount  Fraction with respect to each Discount
Mortgage Loan is set forth as an exhibit attached to the Series Supplement.

        Discount Mortgage Loan: Any Mortgage Loan having a Net Mortgage Rate (or
the initial Net Mortgage  Rate) of less than the Discount Net Mortgage  Rate per
annum and any Mortgage  Loan deemed to be a Discount  Mortgage  Loan pursuant to
the definition of Qualified Substitute Mortgage Loan.

        Discount Net Mortgage Rate:  As defined in the Series Supplement.

        Disqualified  Organization:  Any organization defined as a "disqualified
organization"  under  Section  860E(e)(5)  of the  Code,  and  if not  otherwise
included,  any of the following:  (i) the United States,  any State or political
subdivision  thereof,  any  possession  of the United  States,  or any agency or
instrumentality of any of the foregoing (other than an instrumentality  which is
a corporation if all of its  activities  are subject to tax and,  except for the
Freddie  Mac, a  majority  of its board of  directors  is not  selected  by such
governmental unit), (ii) a foreign government,  any international  organization,
or any agency or instrumentality of any of the foregoing, (iii) any organization
(other than certain farmers' cooperatives  described in Section 521 of the Code)
which is exempt from the tax imposed by Chapter 1 of the Code (including the tax
imposed by Section 511 of the Code on unrelated  business taxable income),  (iv)
rural electric and telephone  cooperatives described in Section 1381(a)(2)(C) of
the Code, (v) any "electing large  partnership," as defined in Section 775(a) of
the Code and (vi) any other Person so  designated  by the Trustee  based upon an
Opinion  of  Counsel  that the  holding of an  Ownership  Interest  in a Class R
Certificate  by such  Person may cause the Trust  Fund or any  Person  having an
Ownership  Interest in any Class of  Certificates  (other  than such  Person) to
incur a liability  for any  federal  tax  imposed  under the Code that would not
otherwise be imposed but for the Transfer of an Ownership  Interest in a Class R
Certificate   to  such  Person.   The  terms   "United   States",   "State"  and
"international  organization"  shall have the meanings set forth in Section 7701
of the Code or successor provisions.

                                       10
<PAGE>

        Distribution  Date:  The 25th day of any  month  beginning  in the month
immediately  following the month of the initial issuance of the Certificates or,
if such 25th day is not a Business Day, the Business Day  immediately  following
such 25th day.

     Due Date: With respect to any Distribution  Date and any Mortgage Loan, the
day during the related Due Period on which the Monthly Payment is due.

     Due Period: With respect to any Distribution Date, the one-month period set
forth in the Series Supplement.

        Eligible  Account:  An  account  that  is  any  of  the  following:  (i)
maintained with a depository institution the debt obligations of which have been
rated by each Rating Agency in its highest rating available,  or (ii) an account
or accounts in a depository institution in which such accounts are fully insured
to the limits established by the FDIC, provided that any deposits not so insured
shall, to the extent  acceptable to each Rating Agency, as evidenced in writing,
be maintained such that (as evidenced by an Opinion of Counsel  delivered to the
Trustee and each Rating Agency) the registered  Holders of  Certificates  have a
claim with  respect to the funds in such account or a perfected  first  security
interest   against  any   collateral   (which  shall  be  limited  to  Permitted
Investments)  securing  such  funds  that is  superior  to  claims  of any other
depositors or creditors of the depository institution with which such account is
maintained,  or (iii) in the case of the Custodial  Account,  a trust account or
accounts  maintained in the  corporate  trust  department of Bank One,  National
Association,  or (iv) in the case of the Certificate Account, a trust account or
accounts  maintained in the corporate  trust division of the Trustee,  or (v) an
account or accounts of a depository institution acceptable to each Rating Agency
(as  evidenced in writing by each Rating  Agency that use of any such account as
the  Custodial  Account or the  Certificate  Account  will not reduce the rating
assigned to any Class of  Certificates  by such Rating Agency below the lower of
the  then-current  rating or the rating assigned to such  Certificates as of the
Closing Date by such Rating Agency).

        Event of Default:  As defined in Section 7.01.

     Excess  Bankruptcy  Loss: Any Bankruptcy  Loss, or portion  thereof,  which
exceeds the then applicable Bankruptcy Amount.

     Excess Fraud Loss:  Any Fraud Loss, or portion  thereof,  which exceeds the
then applicable Fraud Loss Amount.

     Excess Special  Hazard Loss:  Any Special Hazard Loss, or portion  thereof,
that exceeds the then applicable Special Hazard Amount.

        Excess  Subordinate  Principal Amount:  With respect to any Distribution
Date on which  the  aggregate  Certificate  Principal  Balance  of the  Class of
Subordinate  Certificates  then  outstanding  with the Lowest  Priority is to be
reduced to zero and on which  Realized  Losses are to be allocated to such class
or classes,  the  excess,  if any,  of (i) the amount  that would  otherwise  be
distributable  in respect of principal on such class or classes of  Certificates
on such  Distribution  Date  over  (ii) the  excess,  if any,  of the  aggregate
Certificate   Principal  Balance  of  such  class  or  classes  of  Certificates

                                       11
<PAGE>

immediately  prior to such  Distribution  Date  over  the  aggregate  amount  of
Realized  Losses  to be  allocated  to  such  classes  of  Certificates  on such
Distribution  Date as  reduced  by any  amount  calculated  pursuant  to Section
4.02(b)(i)(E).  With  respect to any  Mortgage  Pool that is comprised of two or
more Loan  Groups,  the Excess  Subordinate  Principal  Amount will be allocated
between  each Loan  Group on a pro rata basis in  accordance  with the amount of
Realized   Losses   attributable  to  each  Loan  Group  and  allocated  to  the
Certificates on such Distribution Date.

        Extraordinary  Events: Any of the following conditions with respect to a
Mortgaged  Property  (or, with respect to a Cooperative  Loan,  the  Cooperative
Apartment)  or Mortgage  Loan  causing or  resulting  in a loss which causes the
liquidation of such Mortgage Loan:

(a)     losses that are of the type that would be covered by the  fidelity  bond
        and the errors and omissions  insurance policy required to be maintained
        pursuant to Section 3.12(b) but are in excess of the coverage maintained
        thereunder;

(b)     nuclear reaction or nuclear radiation or radioactive contamination,  all
        whether  controlled or uncontrolled,  and whether such loss be direct or
        indirect,  proximate  or  remote  or be in whole or in part  caused  by,
        contributed to or aggravated by a peril covered by the definition of the
        term "Special Hazard Loss";

(c)     hostile or warlike action in time of peace or war,  including  action in
        hindering,  combating  or  defending  against  an actual,  impending  or
        expected attack:

     1. by any  government or sovereign  power,  de jure or de facto,  or by any
authority maintaining or using military, naval or air forces; or

     2. by military, naval or air forces; or

     3. by an agent of any such government, power, authority or forces;

(d)  any weapon of war employing atomic fission or radioactive  force whether in
     time of peace or war; or

(e)  insurrection,  rebellion,  revolution,  civil war,  usurped power or action
     taken by  governmental  authority  in  hindering,  combating  or  defending
     against such an  occurrence,  seizure or  destruction  under  quarantine or
     customs  regulations,  confiscation  by order of any  government  or public
     authority; or risks of contraband or illegal transportation or trade.

     Extraordinary  Losses:  Any loss  incurred on a Mortgage  Loan caused by or
resulting from an Extraordinary Event.

        Fannie Mae: Federal National Mortgage Association, a federally chartered
and  privately  owned  corporation  organized  and  existing  under the  Federal
National Mortgage Association Charter Act, or any successor thereto.

                                       12
<PAGE>

     FASIT:  A "financial  asset  securitization  investment  trust"  within the
meaning of Section 860L of the Code.

        FDIC:  Federal Deposit Insurance Corporation or any successor thereto.

        Final  Distribution  Date:  The  Distribution  Date on which  the  final
distribution  in respect of the  Certificates  will be made  pursuant to Section
9.01, which Final  Distribution  Date shall in no event be later than the end of
the 90-day liquidation period described in Section 9.02.

        Fitch:  Fitch Ratings or its successor in interest.

        Foreclosure   Profits:   As  to  any   Distribution   Date  or   related
Determination  Date and any Mortgage  Loan,  the excess,  if any, of Liquidation
Proceeds,  Insurance Proceeds and REO Proceeds (net of all amounts  reimbursable
therefrom  pursuant to Section  3.10(a)(ii)) in respect of each Mortgage Loan or
REO Property for which a Cash  Liquidation  or REO  Disposition  occurred in the
related  Prepayment  Period over the sum of the unpaid principal balance of such
Mortgage Loan or REO Property (determined, in the case of an REO Disposition, in
accordance  with Section 3.14) plus accrued and unpaid  interest at the Mortgage
Rate on such unpaid  principal  balance from the Due Date to which  interest was
last paid by the Mortgagor to the first day of the month  following the month in
which such Cash Liquidation or REO Disposition occurred.

     Fraud Losses:  Losses on Mortgage  Loans as to which there was fraud in the
origination of such Mortgage Loan.

        Freddie  Mac:  Federal  Home  Loan  Mortgage  Corporation,  a  corporate
instrumentality of the United States created and existing under Title III of the
Emergency Home Finance Act of 1970, as amended, or any successor thereto.

        Highest  Priority:  As of  any  date  of  determination,  the  Class  of
Subordinate  Certificates then outstanding with a Certificate  Principal Balance
greater than zero, with the earliest  priority for payments  pursuant to Section
4.02(a),  in the following  order:  Class M-1,  Class M-2, Class M-3, Class B-1,
Class B-2 and Class B-3 Certificates.

        Independent:  When used with respect to any specified Person, means such
a Person who (i) is in fact independent of the Company,  the Master Servicer and
the Trustee,  or any Affiliate thereof,  (ii) does not have any direct financial
interest or any material indirect financial interest in the Company,  the Master
Servicer or the Trustee or in an Affiliate  thereof,  and (iii) is not connected
with the Company,  the Master  Servicer or the Trustee as an officer,  employee,
promoter,  underwriter,  trustee, partner, director or person performing similar
functions.

        Initial  Certificate  Principal  Balance:  With respect to each Class of
Certificates, the Certificate Principal Balance of such Class of Certificates as
of the Cut-off Date, as set forth in the Series Supplement.

        Initial Monthly Payment Fund: An amount representing scheduled principal
amortization and interest at the Net Mortgage Rate for the Due Date in the first
Due Period  commencing  subsequent to the Cut-off Date for those  Mortgage Loans
for which the Trustee will not be entitled to receive such payment,  and as more
specifically defined in the Series Supplement.

                                       13
<PAGE>

        Initial  Notional  Amount:  With  respect  to any Class or  Subclass  of
Interest Only Certificates, the amount initially used as the principal basis for
the calculation of any interest payment amount, as more specifically  defined in
the Series Supplement.

      Initial Subordinate Class Percentage: As defined in the Series Supplement.

        Insurance  Proceeds:  Proceeds  paid in  respect of the  Mortgage  Loans
pursuant to any Primary  Insurance Policy or any other related  insurance policy
covering a Mortgage Loan  (excluding any  Certificate  Policy (as defined in the
Series  Supplement)),  to the extent such  proceeds are payable to the mortgagee
under the Mortgage, any Subservicer,  the Master Servicer or the Trustee and are
not applied to the  restoration  of the related  Mortgaged  Property  (or,  with
respect to a Cooperative Loan, the related Cooperative Apartment) or released to
the Mortgagor in accordance  with the procedures  that the Master Servicer would
follow in servicing mortgage loans held for its own account.

     Insurer:  Any named  insurer  under  any  Primary  Insurance  Policy or any
successor thereto or the named insurer in any replacement policy.

        Interest Accrual Period: As defined in the Series Supplement.

     Interest  Only  Certificates:  A Class  or  Subclass  of  Certificates  not
entitled  to  payments  of  principal,  and  designated  as such  in the  Series
Supplement.  The Interest Only Certificates  will have no Certificate  Principal
Balance.

        Interim Certification:  As defined in Section 2.02.

        International Borrower: In connection with any Mortgage Loan, a borrower
who  is (a) a  United  States  citizen  employed  in a  foreign  country,  (b) a
non-permanent resident alien employed in the United States or (c) a citizen of a
country  other than the United States with income  derived from sources  outside
the United States.

     Junior Certificateholder: The Holder of not less than 95% of the Percentage
Interests of the Junior Class of Certificates.

        Junior  Class of  Certificates:  The Class of  Subordinate  Certificates
outstanding  as of the date of the  repurchase  of a Mortgage  Loan  pursuant to
Section 4.07 herein that has the Lowest Priority.

        Late  Collections:  With  respect  to any  Mortgage  Loan,  all  amounts
received during any Due Period,  whether as late payments of Monthly Payments or
as Insurance Proceeds,  Liquidation Proceeds or otherwise,  which represent late
payments or  collections  of Monthly  Payments due but delinquent for a previous
Due Period and not previously recovered.

        Liquidation  Proceeds:  Amounts (other than Insurance Proceeds) received
by the Master  Servicer  in  connection  with the taking of an entire  Mortgaged
Property  by  exercise  of the power of  eminent  domain or  condemnation  or in
connection with the liquidation of a defaulted  Mortgage Loan through  trustee's
sale, foreclosure sale or otherwise, other than REO Proceeds.

                                       14
<PAGE>

        Loan Group:  Any group of Mortgage  Loans  designated as a separate loan
group in the Series  Supplement.  The  Certificates  relating to each Loan Group
will be designated in the Series Supplement.

        Loan-to-Value  Ratio:  As of any  date,  the  fraction,  expressed  as a
percentage,  the  numerator  of which is the  current  principal  balance of the
related Mortgage Loan at the date of determination  and the denominator of which
is the Appraised Value of the related Mortgaged Property.

        Lower  Priority:  As of any  date  of  determination  and any  Class  of
Subordinate  Certificates,  any other  Class of  Subordinate  Certificates  then
outstanding with a later priority for payments pursuant to Section 4.02 (a).

        Lowest  Priority:  As  of  any  date  of  determination,  the  Class  of
Subordinate  Certificates then outstanding with a Certificate  Principal Balance
greater than zero,  with the latest  priority  for payments  pursuant to Section
4.02(a),  in the following  order:  Class B-3,  Class B-2, Class B-1, Class M-3,
Class M-2 and Class M-1 Certificates.

        Maturity Date: The latest possible maturity date, solely for purposes of
Section   1.860G-1(a)(4)(iii)   of  the  Treasury  regulations,   by  which  the
Certificate  Principal  Balance of each Class of  Certificates  (other  than the
Interest Only Certificates which have no Certificate Principal Balance) and each
Uncertificated REMIC Regular Interest would be reduced to zero, as designated in
the Series Supplement.

     MERS:  Mortgage  Electronic   Registration  Systems,  Inc.,  a  corporation
organized and existing under the laws of the State of Delaware, or any successor
thereto.

        MERS(R)  System:   The  system  of  recording   transfers  of  Mortgages
electronically maintained by MERS.

     MIN: The Mortgage  Identification Number for Mortgage Loans registered with
MERS on the MERS(R) System.

        MLCC:  Merrill Lynch Credit Corporation, or its successor in interest.

     Modified  Mortgage  Loan:  Any Mortgage Loan that has been the subject of a
Servicing Modification.

        Modified Net Mortgage  Rate: As to any Mortgage Loan that is the subject
of a Servicing  Modification,  the Net Mortgage Rate minus the rate per annum by
which the Mortgage Rate on such Mortgage Loan was reduced.

        MOM  Loan:  With  respect  to any  Mortgage  Loan,  MERS  acting  as the
mortgagee of such Mortgage  Loan,  solely as nominee for the  originator of such
Mortgage Loan and its successors and assigns, at the origination thereof.

                                       15
<PAGE>

        Monthly  Payment:  With respect to any Mortgage Loan  (including any REO
Property) and any Due Date, the payment of principal and interest due thereon in
accordance with the amortization  schedule at the time applicable thereto (after
adjustment,  if any, for  Curtailments  and for Deficient  Valuations  occurring
prior to such Due Date but before any adjustment to such  amortization  schedule
by reason of any  bankruptcy,  other  than a  Deficient  Valuation,  or  similar
proceeding or any  moratorium  or similar  waiver or grace period and before any
Servicing Modification that constitutes a reduction of the interest rate on such
Mortgage Loan).

        Moody's:  Moody's Investors Service, Inc., or its successor in interest.

        Mortgage:  With respect to each Mortgage Note related to a Mortgage Loan
which is not a Cooperative Loan, the mortgage, deed of trust or other comparable
instrument  creating  a first  lien on an  estate  in fee  simple  or  leasehold
interest in real property securing a Mortgage Note.

        Mortgage File: The mortgage  documents listed in Section 2.01 pertaining
to a particular Mortgage Loan and any additional  documents required to be added
to the Mortgage File pursuant to this Agreement.

        Mortgage Loans:  Such of the mortgage loans  transferred and assigned to
the Trustee  pursuant to Section 2.01 as from time to time are held or deemed to
be held as a part of the Trust Fund, the Mortgage Loans originally so held being
identified in the initial  Mortgage  Loan  Schedule,  and  Qualified  Substitute
Mortgage Loans held or deemed held as part of the Trust Fund including,  without
limitation,  (i) with respect to each  Cooperative  Loan,  the related  Mortgage
Note,  Security  Agreement,  Assignment of Proprietary Lease,  Cooperative Stock
Certificate,  Cooperative  Lease and Mortgage  File and all rights  appertaining
thereto,  and (ii) with respect to each  Mortgage  Loan other than a Cooperative
Loan,  each related  Mortgage  Note,  Mortgage and Mortgage  File and all rights
appertaining thereto.

        Mortgage Loan Schedule:  As defined in the Series Supplement.

        Mortgage  Note:  The  originally  executed  note or  other  evidence  of
indebtedness  evidencing the  indebtedness of a Mortgagor under a Mortgage Loan,
together with any modification thereto.

     Mortgage Pool: The pool of mortgage  loans,  including all Loan Groups,  if
any, consisting of the Mortgage Loans.

     Mortgage  Rate:  As to any Mortgage  Loan,  the interest  rate borne by the
related  Mortgage  Note,  or any  modification  thereto  other than a  Servicing
Modification.

        Mortgaged  Property:  The underlying  real property  securing a Mortgage
Loan or, with respect to a Cooperative  Loan, the related  Cooperative Lease and
Cooperative Stock.

        Mortgagor:  The obligor on a Mortgage Note.

        Net  Mortgage  Rate:  As to each  Mortgage  Loan,  a per  annum  rate of
interest  equal to the Adjusted  Mortgage  Rate less the per annum rate at which
the Servicing Fee is calculated.

                                       16
<PAGE>

     Non-Discount Mortgage Loan: A Mortgage Loan that is not a Discount Mortgage
Loan.

        Non-Primary Residence Loans: The Mortgage Loans designated as secured by
second or vacation  residences,  or by  non-owner  occupied  residences,  on the
Mortgage Loan Schedule.

        Non-United States Person:  Any Person other than a United States Person.

        Nonrecoverable  Advance:  Any Advance  previously made or proposed to be
made by the Master  Servicer in respect of a Mortgage Loan (other than a Deleted
Mortgage Loan) which,  in the good faith judgment of the Master  Servicer,  will
not, or, in the case of a proposed Advance, would not, be ultimately recoverable
by the Master  Servicer  from  related  Late  Collections,  Insurance  Proceeds,
Liquidation  Proceeds,  REO  Proceeds  or  amounts  reimbursable  to the  Master
Servicer  pursuant to Section 4.02(a) hereof.  The  determination  by the Master
Servicer that it has made a Nonrecoverable  Advance or that any proposed Advance
would  constitute a Nonrecoverable  Advance,  shall be evidenced by an Officers'
Certificate delivered to the Company, the Trustee and any Certificate Insurer.

     Nonsubserviced  Mortgage  Loan:  Any  Mortgage  Loan  that,  at the time of
reference thereto, is not subject to a Subservicing Agreement.

        Notional Amount:  With respect to any Class or Subclass of Interest Only
Certificates,  an amount used as the principal  basis for the calculation of any
interest payment amount, as more specifically defined in the Series Supplement.

        Officers'  Certificate:  A  certificate  signed by the  Chairman  of the
Board,  the  President or a Vice  President or Assistant  Vice  President,  or a
Director or Managing Director,  and by the Treasurer,  the Secretary,  or one of
the Assistant  Treasurers or Assistant  Secretaries of the Company or the Master
Servicer,  as the case may be, and delivered to the Trustee, as required by this
Agreement.

        Opinion of  Counsel:  A written  opinion of  counsel  acceptable  to the
Trustee  and the  Master  Servicer,  who may be counsel  for the  Company or the
Master  Servicer,  provided  that any opinion of counsel (i)  referred to in the
definition of "Disqualified  Organization" or (ii) relating to the qualification
of any REMIC formed under the Series  Supplement  or  compliance  with the REMIC
Provisions  must,  unless  otherwise  specified,  be an opinion  of  Independent
counsel.

        Outstanding  Mortgage  Loan:  As  to  any  Due  Date,  a  Mortgage  Loan
(including an REO Property) which was not the subject of a Principal  Prepayment
in Full,  Cash  Liquidation  or REO  Disposition  and which  was not  purchased,
deleted or  substituted  for prior to such Due Date  pursuant  to Section  2.02,
2.03, 2.04 or 4.07.

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

        Pass-Through Rate:  As defined in the Series Supplement.

     Paying Agent:  The Trustee or any successor  Paying Agent  appointed by the
Trustee.

                                       17
<PAGE>

        Percentage Interest: With respect to any Certificate (other than a Class
R Certificate), the undivided percentage ownership interest in the related Class
evidenced by such  Certificate,  which  percentage  ownership  interest shall be
equal to the Initial  Certificate  Principal Balance thereof or Initial Notional
Amount (in the case of any Interest  Only  Certificate)  thereof  divided by the
aggregate Initial Certificate  Principal Balance or the aggregate of the Initial
Notional Amounts, as applicable, of all the Certificates of the same Class. With
respect to a Class R Certificate,  the interest in distributions to be made with
respect to such Class evidenced thereby, expressed as a percentage, as stated on
the face of each such Certificate.

        Permitted Investments:  One or more of the following:

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

(ii)    repurchase  agreements on  obligations  specified in clause (i) maturing
        not more than one month from the date of acquisition  thereof,  provided
        that the unsecured  obligations of the party agreeing to repurchase such
        obligations  are at the time rated by each Rating  Agency in its highest
        short-term rating available;

(iii)federal funds,  certificates of deposit, demand deposits, time deposits and
     bankers'  acceptances  (which  shall each have an original  maturity of not
     more than 90 days and,  in the case of  bankers'  acceptances,  shall in no
     event  have an  original  maturity  of more  than 365  days or a  remaining
     maturity of more than 30 days)  denominated in United States dollars of any
     U.S. depository institution or trust company incorporated under the laws of
     the  United  States or any state  thereof  or of any  domestic  branch of a
     foreign  depository  institution or trust  company;  provided that the debt
     obligations  of such  depository  institution  or trust company (or, if the
     only  Rating  Agency is  Standard  & Poor's,  in the case of the  principal
     depository  institution in a depository  institution holding company,  debt
     obligations of the depository  institution  holding company) at the date of
     acquisition  thereof  have been rated by each Rating  Agency in its highest
     short-term rating available;  and provided further that, if the only Rating
     Agency is  Standard & Poor's and if the  depository  or trust  company is a
     principal  subsidiary of a bank holding company and the debt obligations of
     such subsidiary are not separately  rated,  the applicable  rating shall be
     that of the bank  holding  company;  and,  provided  further  that,  if the
     original maturity of such short-term  obligations of a domestic branch of a
     foreign  depository  institution or trust company shall exceed 30 days, the
     short-term rating of such institution shall be A-1+ in the case of Standard
     & Poor's if Standard & Poor's is the Rating Agency;

(iv)    commercial  paper and demand notes  (having  original  maturities of not
        more than 365 days) of any  corporation  incorporated  under the laws of
        the United States or any state thereof which on the date of  acquisition
        has been rated by each Rating  Agency in its highest  short-term  rating
        available;  provided that such  commercial  paper shall have a remaining
        maturity of not more than 30 days;

                                       18
<PAGE>

(v)  a money  market  fund or a qualified  investment  fund rated by each Rating
     Agency in its highest long-term rating available; and

(vi) other  obligations or securities  that are acceptable to each Rating Agency
     as a Permitted Investment hereunder and will not reduce the rating assigned
     to any Class of  Certificates  by such Rating Agency below the lower of the
     then-current  rating or the rating assigned to such  Certificates as of the
     Closing Date by such Rating Agency, as evidenced in writing;

provided,  however,  no  instrument  shall  be  a  Permitted  Investment  if  it
represents,  either (1) the right to receive only interest payments with respect
to the underlying debt instrument or (2) the right to receive both principal and
interest  payments derived from  obligations  underlying such instrument and the
principal and interest payments with respect to such instrument  provide a yield
to maturity greater than 120% of the yield to maturity at par of such underlying
obligations.  References  herein to the highest  rating  available  on unsecured
long-term debt shall mean AAA in the case of Standard & Poor's and Fitch and Aaa
in the case of Moody's, and references herein to the highest rating available on
unsecured commercial paper and short-term debt obligations shall mean A-1 in the
case of Standard & Poor's, P-1 in the case of Moody's and either A-1 by Standard
& Poor's, P-1 by Moody's or F-1 by Fitch in the case of Fitch.

     Permitted Transferee: Any Transferee of a Class R Certificate, other than a
Disqualified Organization or Non-United States Person.

        Person:   Any  individual,   corporation,   limited  liability  company,
partnership,   joint   venture,   association,   joint-stock   company,   trust,
unincorporated organization or government or any agency or political subdivision
thereof.

     Pledged Amount: With respect to any Pledged Asset Loan, the amount of money
remitted to Combined  Collateral  LLC, at the direction of or for the benefit of
the related Mortgagor.

        Pledged  Asset Loan:  Any Mortgage Loan  supported by Pledged  Assets or
such other collateral,  other than the related Mortgaged Property,  set forth in
the Series Supplement.

        Pledged   Assets:   With  respect  to  any  Mortgage  Loan,  all  money,
securities,  security  entitlements,   accounts,  general  intangibles,  payment
intangibles,  instruments, documents, deposit accounts, certificates of deposit,
commodities  contracts  and other  investment  property  and other  property  of
whatever kind or description  pledged by Combined  Collateral LLC as security in
respect of any Realized  Losses in connection  with such Mortgage Loan up to the
Pledged Amount for such Mortgage Loan, and any related collateral, or such other
collateral as may be set forth in the Series Supplement.

        Pledged Asset Mortgage Servicing  Agreement:  The Pledged Asset Mortgage
Servicing  Agreement,  dated as of February 28, 1996 between MLCC and the Master
Servicer.

        Pooling  and  Servicing  Agreement  or  Agreement:  With  respect to any
Series, this Standard Terms together with the related Series Supplement.

                                       19
<PAGE>

     Pool Stated Principal  Balance:  As to any Distribution Date, the aggregate
of the Stated  Principal  Balances of each Mortgage Loan.  Pool Strip Rate: With
respect to each  Mortgage  Loan, a per annum rate equal to the excess of (a) the
Net Mortgage  Rate of such Mortgage Loan over (b) the Discount Net Mortgage Rate
(but not less than 0.00%) per annum.

        Prepayment  Distribution  Trigger: With respect to any Distribution Date
and  any  Class  of   Subordinate   Certificates   (other  than  the  Class  M-1
Certificates),  a test that shall be satisfied if the fraction  (expressed  as a
percentage) equal to the sum of the Certificate Principal Balances of such Class
and each Class of Subordinate Certificates with a Lower Priority than such Class
immediately  prior to such  Distribution  Date divided by the  aggregate  Stated
Principal  Balance of all of the  Mortgage  Loans (or  related  REO  Properties)
immediately  prior to such Distribution Date is greater than or equal to the sum
of the  related  Initial  Subordinate  Class  Percentages  of  such  Classes  of
Subordinate Certificates.

        Prepayment  Interest  Shortfall:  As to any  Distribution  Date  and any
Mortgage Loan (other than a Mortgage Loan relating to an REO Property)  that was
the  subject of (a) a  Principal  Prepayment  in Full  during the portion of the
related  Prepayment Period that falls during the prior calendar month, an amount
equal  to the  excess  of one  month's  interest  at the Net  Mortgage  Rate (or
Modified  Net  Mortgage  Rate in the case of a  Modified  Mortgage  Loan) on the
Stated  Principal  Balance of such  Mortgage  Loan over the  amount of  interest
(adjusted to the Net Mortgage Rate (or Modified Net Mortgage Rate in the case of
a Modified  Mortgage  Loan)) paid by the Mortgagor for such month to the date of
such Principal Prepayment in Full or (b) a Curtailment during the prior calendar
month,  an amount  equal to one month's  interest at the Net  Mortgage  Rate (or
Modified  Net  Mortgage  Rate in the case of a  Modified  Mortgage  Loan) on the
amount of such Curtailment.

        Prepayment Period: As to any Distribution Date and Principal  Prepayment
in Full,  the period  commencing on the 16th day of the month prior to the month
in which that  Distribution  Date occurs and ending on the 15th day of the month
in which such Distribution Date occurs.

     Primary  Insurance  Policy:   Each  primary  policy  of  mortgage  guaranty
insurance or any replacement policy therefor referred to in Section  2.03(b)(iv)
and (v).

     Principal  Only  Certificates:  A Class of  Certificates  not  entitled  to
payments of interest,  and more  specifically  designated  as such in the Series
Supplement.

        Principal  Prepayment:  Any payment of principal or other  recovery on a
Mortgage Loan,  including a recovery that takes the form of Liquidation Proceeds
or Insurance  Proceeds,  which is received in advance of its  scheduled Due Date
and is not  accompanied  by an  amount  as to  interest  representing  scheduled
interest  on such  payment  due on any  date or dates  in any  month  or  months
subsequent to the month of prepayment.

     Principal  Prepayment  in Full:  Any  Principal  Prepayment  of the  entire
principal balance of a Mortgage Loan that is made by the Mortgagor.

                                       20
<PAGE>

     Program  Guide:  Collectively,  the Client Guide and the Servicer Guide for
Residential Funding's Expanded Criteria Mortgage Program.

        Purchase  Price:  With  respect to any Mortgage  Loan (or REO  Property)
required to be or  otherwise  purchased  on any date  pursuant to Section  2.02,
2.03,  2.04 or  4.07,  an  amount  equal  to the sum of (i)  100% of the  Stated
Principal Balance thereof plus the principal portion of any related unreimbursed
Advances  and (ii) unpaid  accrued  interest at the Adjusted  Mortgage  Rate (or
Modified Net Mortgage Rate plus the rate per annum at which the Servicing Fee is
calculated in the case of a Modified Mortgage Loan) (or at the Net Mortgage Rate
(or Modified Net Mortgage Rate in the case of a Modified  Mortgage  Loan) in the
case of a purchase made by the Master Servicer) on the Stated Principal  Balance
thereof  to the Due Date in the Due  Period  related  to the  Distribution  Date
occurring  in the month  following  the month of  purchase  from the Due Date to
which interest was last paid by the Mortgagor.

        Qualified  Substitute  Mortgage  Loan: A Mortgage  Loan  substituted  by
Residential  Funding or the Company for a Deleted  Mortgage  Loan which must, on
the  date  of  such  substitution,  as  confirmed  in an  Officers'  Certificate
delivered to the Trustee, with a copy to the Custodian,

        (i)    have an outstanding  principal  balance,  after  deduction of the
               principal  portion  of the  monthly  payment  due in the month of
               substitution  (or in the case of a substitution  of more than one
               Mortgage  Loan  for  a  Deleted   Mortgage   Loan,  an  aggregate
               outstanding  principal  balance,  after such  deduction),  not in
               excess of the Stated  Principal  Balance of the Deleted  Mortgage
               Loan (the amount of any shortfall to be deposited by  Residential
               Funding in the Custodial Account in the month of substitution);

        (ii)   have a Mortgage  Rate and a Net  Mortgage  Rate no lower than and
               not more than 1% per annum higher than the Mortgage  Rate and Net
               Mortgage Rate,  respectively,  of the Deleted Mortgage Loan as of
               the date of substitution;

        (iii)  have a Loan-to-Value  Ratio at the time of substitution no higher
               than  that  of  the  Deleted   Mortgage   Loan  at  the  time  of
               substitution;

        (iv)   have a remaining  term to stated  maturity  not greater than (and
               not more than one year less  than) that of the  Deleted  Mortgage
               Loan;

          (v)  comply  with  each  representation  and  warranty  set  forth  in
               Sections  2.03 and 2.04  hereof and  Section 4 of the  Assignment
               Agreement; and

          (vi) have a Pool  Strip  Rate  equal to or  greater  than  that of the
               Deleted Mortgage Loan.

Notwithstanding  any other provisions  herein, (x) with respect to any Qualified
Substitute  Mortgage Loan  substituted  for a Deleted  Mortgage Loan which was a
Discount Mortgage Loan, such Qualified  Substitute Mortgage Loan shall be deemed
to be a  Discount  Mortgage  Loan and to have a Discount  Fraction  equal to the
Discount  Fraction  of the Deleted  Mortgage  Loan and (y) in the event that the
"Pool  Strip  Rate" of any  Qualified  Substitute  Mortgage  Loan as  calculated
pursuant to the  definition  of "Pool Strip Rate" is greater than the Pool Strip
Rate of the related Deleted Mortgage Loan

                                       21
<PAGE>

        (i)    the Pool Strip Rate of such  Qualified  Substitute  Mortgage Loan
               shall  be equal to the Pool  Strip  Rate of the  related  Deleted
               Mortgage Loan for purposes of calculating the  Pass-Through  Rate
               on the Class A-V Certificates and

        (ii)   the excess of the Pool Strip  Rate on such  Qualified  Substitute
               Mortgage Loan as calculated  pursuant to the  definition of "Pool
               Strip  Rate"  over the Pool  Strip  Rate on the  related  Deleted
               Mortgage  Loan  shall  be  payable  to the  Class R  Certificates
               pursuant to Section 4.02 hereof.

        Rating Agency:  Each of the statistical credit rating agencies specified
in the  Preliminary  Statement  of the  Series  Supplement.  If any  agency or a
successor is no longer in existence,  "Rating Agency" shall be such  statistical
credit rating agency,  or other  comparable  Person,  designated by the Company,
notice  of  which  designation  shall be given  to the  Trustee  and the  Master
Servicer.

        Realized Loss:  With respect to each Mortgage Loan (or REO Property):

          (a)  as to which a Cash  Liquidation or REO  Disposition has occurred,
               an amount (not less than zero) equal to (i) the Stated  Principal
               Balance of the Mortgage  Loan (or REO Property) as of the date of
               Cash Liquidation or REO Disposition,  plus (ii) interest (and REO
               Imputed  Interest,  if any) at the Net Mortgage Rate from the Due
               Date  as  to  which   interest  was  last  paid  or  advanced  to
               Certificateholders  up to the Due Date in the Due Period  related
               to the  Distribution  Date on which  such  Realized  Loss will be
               allocated  pursuant  to  Section  4.05  on the  Stated  Principal
               Balance  of such  Mortgage  Loan  (or REO  Property)  outstanding
               during  each  Due  Period  that  such  interest  was not  paid or
               advanced,  minus (iii) the proceeds,  if any, received during the
               month  in  which  such  Cash  Liquidation  (or  REO  Disposition)
               occurred,  to the extent applied as recoveries of interest at the
               Net Mortgage Rate and to principal of the Mortgage  Loan,  net of
               the portion  thereof  reimbursable  to the Master Servicer or any
               Subservicer  with  respect to related  Advances or expenses as to
               which  the  Master   Servicer  or   Subservicer  is  entitled  to
               reimbursement  thereunder  but  which  have not  been  previously
               reimbursed,

        (b)    which is the subject of a Servicing Modification,  (i) the amount
               by  which  the  interest  portion  of a  Monthly  Payment  or the
               principal balance of such Mortgage Loan was reduced, and (ii) any
               such amount with  respect to a Monthly  Payment that was or would
               have been due in the  month  immediately  following  the month in
               which  a  Principal  Prepayment  or the  Purchase  Price  of such
               Mortgage Loan is received or is deemed to have been received,

        (c)    which has  become  the  subject  of a  Deficient  Valuation,  the
               difference  between the  principal  balance of the Mortgage  Loan
               outstanding immediately prior to such Deficient Valuation and the
               principal  balance  of  the  Mortgage  Loan  as  reduced  by  the
               Deficient Valuation, or

                                       22
<PAGE>

        (d)    which has  become  the object of a Debt  Service  Reduction,  the
               amount of such Debt Service Reduction.

Notwithstanding  the above,  neither a Deficient  Valuation  nor a Debt  Service
Reduction  shall be  deemed a  Realized  Loss  hereunder  so long as the  Master
Servicer  has  notified  the  Trustee in writing  that the  Master  Servicer  is
diligently  pursuing  any  remedies  that  may  exist  in  connection  with  the
representations  and  warranties  made  regarding the related  Mortgage Loan and
either (A) the related  Mortgage  Loan is not in default with regard to payments
due  thereunder or (B)  delinquent  payments of principal and interest under the
related  Mortgage  Loan  and  any  premiums  on any  applicable  primary  hazard
insurance  policy and any related  escrow  payments in respect of such  Mortgage
Loan  are  being  advanced  on a  current  basis  by the  Master  Servicer  or a
Subservicer, in either case without giving effect to any Debt Service Reduction.

To the extent the Master Servicer receives Subsequent Recoveries with respect to
any Mortgage Loan, the amount of the Realized Loss with respect to that Mortgage
Loan will be reduced to the extent  such  recoveries  are  applied to reduce the
Certificate  Principal  Balance of any Class of Certificates on any Distribution
Date.

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

     Regular  Certificate:  Any  of  the  Certificates  other  than  a  Class  R
Certificate.

     REMIC: A "real estate  mortgage  investment  conduit" within the meaning of
Section 860D of the Code.

        REMIC  Administrator:  Residential Funding  Corporation.  If Residential
Funding  Corporation is found by a court of competent  jurisdiction to no longer
be able to fulfill its obligations as REMIC  Administrator  under this Agreement
the  Master  Servicer  or  Trustee  acting as Master  Servicer  shall  appoint a
successor REMIC Administrator,  subject to assumption of the REMIC Administrator
obligations under this Agreement.

        REMIC  Provisions:  Provisions of the federal income tax law relating to
real estate mortgage investment conduits,  which appear at Sections 860A through
860G of  Subchapter  M of Chapter 1 of the Code,  and  related  provisions,  and
temporary and final  regulations (or, to the extent not  inconsistent  with such
temporary or final  regulations,  proposed  regulations) and published  rulings,
notices and  announcements  promulgated  thereunder,  as the foregoing may be in
effect from time to time.

        REO Acquisition: The acquisition by the Master Servicer on behalf of the
Trustee for the benefit of the  Certificateholders  of any REO Property pursuant
to Section 3.14.

        REO Disposition:  As to any REO Property,  a determination by the Master
Servicer that it has received all Insurance Proceeds,  Liquidation Proceeds, REO
Proceeds and other payments and recoveries  (including proceeds of a final sale)
which the Master  Servicer  expects to be finally  recoverable  from the sale or
other disposition of the REO Property.

                                       23
<PAGE>

        REO Imputed Interest: As to any REO Property,  for any period, an amount
equivalent to interest (at the Net Mortgage Rate that would have been applicable
to the related  Mortgage Loan had it been  outstanding) on the unpaid  principal
balance of the  Mortgage  Loan as of the date of  acquisition  thereof  for such
period.

        REO Proceeds:  Proceeds, net of expenses, received in respect of any REO
Property (including, without limitation, proceeds from the rental of the related
Mortgaged  Property  or,  with  respect  to  a  Cooperative  Loan,  the  related
Cooperative  Apartment)  which  proceeds are  required to be deposited  into the
Custodial Account only upon the related REO Disposition.

        REO  Property:  A Mortgaged  Property  acquired  by the Master  Servicer
through  foreclosure  or  deed  in  lieu of  foreclosure  in  connection  with a
defaulted Mortgage Loan.

        Request  for  Release:  A request  for  release,  the forms of which are
attached as Exhibit F hereto,  or an electronic  request in a form acceptable to
the Custodian.

        Required  Insurance  Policy:  With  respect to any  Mortgage  Loan,  any
insurance policy which is required to be maintained from time to time under this
Agreement, the Program Guide or the related Subservicing Agreement in respect of
such Mortgage Loan.

        Required Surety Payment:  With respect to any Additional Collateral Loan
that becomes a Liquidated Mortgage Loan, the lesser of (i) the principal portion
of the Realized Loss with respect to such Mortgage Loan and (ii) the excess,  if
any, of (a) the amount of Additional  Collateral  required at  origination  with
respect  to  such  Mortgage  Loan  over  (b) the net  proceeds  realized  by the
Subservicer from the related Additional Collateral.

     Residential   Funding:   Residential   Funding   Corporation,   a  Delaware
corporation,  in its capacity as seller of the Mortgage Loans to the Company and
any successor thereto.

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

        Retail  Certificates:  A Senior Certificate,  if any, offered in smaller
minimum denominations than other Senior Certificates,  and designated as such in
the Series Supplement.

        Schedule of Discount Fractions:  The schedule setting forth the Discount
Fractions with respect to the Discount Mortgage Loans, attached as an exhibit to
the Series Supplement.

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

     Seller: As to any Mortgage Loan, a Person, including any Subservicer,  that
executed a Seller's Agreement applicable to such Mortgage Loan.

                                       24
<PAGE>

        Seller's  Agreement:  An  agreement  for  the  origination  and  sale of
Mortgage  Loans  generally  in the form of the Seller  Contract  referred  to or
contained in the Program  Guide,  or in such other form as has been  approved by
the  Master  Servicer  and the  Company,  each  containing  representations  and
warranties in respect of one or more Mortgage  Loans  consistent in all material
respects with those set forth in the Program Guide.

        Senior  Accelerated  Distribution   Percentage:   With  respect  to  any
Distribution  Date occurring on or prior to the 60th Distribution Date and, with
respect to any Mortgage  Pool  comprised  of two or more Loan  Groups,  any Loan
Group,  100%. With respect to any Distribution Date thereafter and any such Loan
Group, if applicable, as follows:

(i)     for any  Distribution  Date after the 60th  Distribution  Date but on or
        prior to the 72nd  Distribution  Date, the related Senior Percentage for
        such  Distribution Date plus 70% of the related  Subordinate  Percentage
        for such Distribution Date;

(ii)    for any  Distribution  Date after the 72nd  Distribution  Date but on or
        prior to the 84th  Distribution  Date, the related Senior Percentage for
        such  Distribution Date plus 60% of the related  Subordinate  Percentage
        for such Distribution Date;

(iii)   for any  Distribution  Date after the 84th  Distribution  Date but on or
        prior to the 96th  Distribution  Date, the related Senior Percentage for
        such  Distribution Date plus 40% of the related  Subordinate  Percentage
        for such Distribution Date;

(iv)    for any  Distribution  Date after the 96th  Distribution  Date but on or
        prior to the 108th  Distribution Date, the related Senior Percentage for
        such  Distribution Date plus 20% of the related  Subordinate  Percentage
        for such Distribution Date; and

(v)  for any  Distribution  Date  thereafter,  the  Senior  Percentage  for such
     Distribution Date;

provided, however,

        (i) that any scheduled reduction to the Senior Accelerated  Distribution
Percentage  described above shall not occur as of any  Distribution  Date unless
either

               (a)(1)(X) the outstanding principal balance of the Mortgage Loans
        delinquent  60 days or more  averaged  over the last  six  months,  as a
        percentage of the aggregate outstanding Certificate Principal Balance of
        the  Subordinate  Certificates,  is less than 50% or (Y) the outstanding
        principal  balance of Mortgage Loans delinquent 60 days or more averaged
        over the last six months,  as a percentage of the aggregate  outstanding
        principal  balance  of all  Mortgage  Loans  averaged  over the last six
        months, does not exceed 2% and (2) Realized Losses on the Mortgage Loans
        to date  for such  Distribution  Date if  occurring  during  the  sixth,
        seventh,  eighth, ninth or tenth year (or any year thereafter) after the
        Closing Date are less than 30%, 35%, 40%, 45% or 50%,  respectively,  of
        the sum of the Initial Certificate Principal Balances of the Subordinate
        Certificates or

                (b)(1)  the  outstanding  principal  balance of  Mortgage  Loans
        delinquent  60 days or more  averaged  over the last  six  months,  as a

                                       25
<PAGE>

        percentage  of  the  aggregate  outstanding  principal  balance  of  all
        Mortgage Loans averaged over the last six months, does not exceed 4% and
        (2) Realized Losses on the Mortgage Loans to date for such  Distribution
        Date, if occurring  during the sixth,  seventh,  eighth,  ninth or tenth
        year (or any year thereafter)  after the Closing Date are less than 10%,
        15%,  20%,  25%  or  30%,  respectively,  of  the  sum  of  the  Initial
        Certificate Principal Balances of the Subordinate Certificates, and

        (ii) that for any  Distribution  Date on which the Senior  Percentage is
greater  than  the  Senior  Percentage  as  of  the  Closing  Date,  the  Senior
Accelerated  Distribution  Percentage for such  Distribution Date shall be 100%,
or,  if the  Mortgage  Pool is  comprised  of two or more Loan  Groups,  for any
Distribution  Date on which the weighted  average of the Senior  Percentages for
each Loan Group,  weighted on the basis of the Stated Principal  Balances of the
Mortgage  Loans in the related Loan Group,  exceeds the weighted  average of the
initial Senior Percentages  (calculated on such basis) for each Loan Group, each
of the Senior  Accelerated  Distribution  Percentages for such Distribution Date
will equal 100%.

Notwithstanding the foregoing,  upon the reduction of the Certificate  Principal
Balances  of  the  related  Senior   Certificates  (other  than  the  Class  A-P
Certificates,  if any) to zero,  the  related  Senior  Accelerated  Distribution
Percentage shall thereafter be 0%.

        Senior Certificate:  As defined in the Series Supplement.

        Senior Percentage: As defined in the Series Supplement.

        Senior  Support   Certificate:   A  Senior   Certificate  that  provides
additional  credit  enhancement to certain other classes of Senior  Certificates
and designated as such in the Preliminary Statement of the Series Supplement.

     Series: All of the Certificates  issued pursuant to a Pooling and Servicing
Agreement and bearing the same series designation.

        Series  Supplement:  The  agreement  into which this  Standard  Terms is
incorporated and pursuant to which,  together with this Standard Terms, a Series
of Certificates is issued.

     Servicing Accounts: The account or accounts created and maintained pursuant
to Section 3.08.

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

                                       26
<PAGE>

        Servicing Fee: With respect to any Mortgage Loan and Distribution  Date,
the fee payable  monthly to the Master  Servicer in respect of master  servicing
compensation  that accrues at an annual rate  designated  on the  Mortgage  Loan
Schedule as the "MSTR SERV FEE" for such Mortgage  Loan, as may be adjusted with
respect to successor Master Servicers as provided in Section 7.02.

        Servicing  Modification:  Any  reduction of the interest  rate on or the
outstanding  principal  balance of a Mortgage  Loan that is in  default,  or for
which,  in  the  judgment  of  the  Master   Servicer,   default  is  reasonably
foreseeable, pursuant to a modification of such Mortgage Loan in accordance with
Section 3.07(a).

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

        Special  Hazard Loss: Any Realized Loss not in excess of the cost of the
lesser of repair or replacement  of a Mortgaged  Property (or, with respect to a
Cooperative Loan, the related Cooperative  Apartment) suffered by such Mortgaged
Property  (or  Cooperative  Apartment)  on  account  of  direct  physical  loss,
exclusive  of (i) any  loss of a type  covered  by a  hazard  policy  or a flood
insurance policy required to be maintained in respect of such Mortgaged Property
pursuant  to Section  3.12(a),  except to the extent of the portion of such loss
not covered as a result of any coinsurance  provision and (ii) any Extraordinary
Loss.

     Standard  &  Poor's:  Standard  & Poor's,  a  division  of The  McGraw-Hill
Companies, Inc., or its successor in interest.

        Stated Principal  Balance:  With respect to any Mortgage Loan or related
REO Property,  at any given time, (i) the Cut-off Date Principal  Balance of the
Mortgage  Loan,  minus (ii) the sum of (a) the principal  portion of the Monthly
Payments due with respect to such Mortgage Loan or REO Property  during each Due
Period ending prior to the most recent  Distribution Date which were received or
with  respect to which an Advance was made,  and (b) all  Principal  Prepayments
with respect to such Mortgage Loan or REO Property,  and all Insurance Proceeds,
Liquidation  Proceeds  and REO  Proceeds,  to the  extent  applied by the Master
Servicer as recoveries of principal in accordance with Section 3.14 with respect
to such  Mortgage  Loan or REO  Property,  in each case which  were  distributed
pursuant to Section 4.02 on any previous Distribution Date, and (c) any Realized
Loss  allocated  to  Certificateholders  with  respect  thereto for any previous
Distribution Date.

        Subclass:  With  respect  to the Class A-V  Certificates,  any  Subclass
thereof issued pursuant to Section 5.01(c). Any such Subclass will represent the
Uncertificated  Class A-V REMIC Regular  Interest or Interests  specified by the
initial Holder of the Class A-V Certificates pursuant to Section 5.01(c).

                                       27
<PAGE>

        Subordinate Certificate:  Any one of the Class M Certificates or Class B
Certificates,  executed  by the  Trustee and  authenticated  by the  Certificate
Registrar  substantially  in the form annexed hereto as Exhibit B and Exhibit C,
respectively.

        Subordinate Class Percentage:  With respect to any Distribution Date and
any Class of Subordinate  Certificates,  a fraction,  expressed as a percentage,
the numerator of which is the aggregate  Certificate  Principal  Balance of such
Class  of  Subordinate  Certificates  immediately  prior  to such  date  and the
denominator  of which is the aggregate  Stated  Principal  Balance of all of the
Mortgage  Loans (or related  REO  Properties)  (other than the related  Discount
Fraction of each Discount  Mortgage Loan) immediately prior to such Distribution
Date.

        Subordinate Percentage: As of any Distribution Date and, with respect to
any Mortgage  Pool  comprised of two or more Loan Groups,  any Loan Group,  100%
minus the related Senior Percentage as of such Distribution Date.

        Subsequent Recoveries:  As of any Distribution Date, amounts received by
the Master  Servicer  (net of any related  expenses  permitted to be  reimbursed
pursuant  to Section  3.10) or surplus  amounts  held by the Master  Servicer to
cover estimated expenses  (including,  but not limited to, recoveries in respect
of the representations and warranties made by the related Seller pursuant to the
applicable  Seller's  Agreement and assigned to the Trustee  pursuant to Section
2.04)  specifically  related to a Mortgage  Loan that was the  subject of a Cash
Liquidation or an REO Disposition  prior to the related  Prepayment  Period that
resulted in a Realized Loss.

     Subserviced Mortgage Loan: Any Mortgage Loan that, at the time of reference
thereto, is subject to a Subservicing Agreement.

        Subservicer: Any Person with whom the Master Servicer has entered into a
Subservicing Agreement and who generally satisfied the requirements set forth in
the Program Guide in respect of the  qualification  of a  Subservicer  as of the
date of its approval as a Subservicer by the Master Servicer.

        Subservicer  Advance:  Any  delinquent   installment  of  principal  and
interest on a Mortgage Loan which is advanced by the related Subservicer (net of
its Subservicing Fee) pursuant to the Subservicing Agreement.

     Subservicing Account: An account established by a Subservicer in accordance
with Section 3.08.

        Subservicing Agreement: The written contract between the Master Servicer
and any Subservicer relating to servicing and administration of certain Mortgage
Loans as  provided  in  Section  3.02,  generally  in the  form of the  servicer
contract  referred to or contained in the Program Guide or in such other form as
has been  approved  by the Master  Servicer  and the  Company.  With  respect to
Additional  Collateral  Loans  subserviced by MLCC, the  Subservicing  Agreement
shall also include the Addendum and  Assignment  Agreement and the Pledged Asset
Mortgage Servicing Agreement. With respect to any Pledged Asset Loan subserviced
by GMAC Mortgage Corporation, the Addendum and Assignment Agreement, dated as of
November 24, 1998, between the Master Servicer and GMAC Mortgage Corporation, as
such agreement may be amended from time to time.

                                       28
<PAGE>

        Subservicing  Fee: As to any Mortgage Loan,  the fee payable  monthly to
the related  Subservicer (or, in the case of a Nonsubserviced  Mortgage Loan, to
the Master  Servicer) in respect of  subservicing  and other  compensation  that
accrues at an annual rate equal to the excess of the Mortgage  Rate borne by the
related  Mortgage  Note over the rate per annum  designated on the Mortgage Loan
Schedule as the "CURR NET" for such Mortgage Loan.

     Surety:  Ambac, or its successors in interest,  or such other surety as may
be identified in the Series Supplement.

        Surety Bond:  The Limited  Purpose  Surety Bond  (Policy No.  AB0039BE),
dated February 28, 1996 in respect to Mortgage Loans  originated by MLCC, or the
Surety Bond (Policy No.  AB0240BE),  dated March 17, 1999 in respect to Mortgage
Loans  originated by Novus Financial  Corporation,  in each case issued by Ambac
for the benefit of certain beneficiaries,  including the Trustee for the benefit
of the Holders of the Certificates, but only to the extent that such Surety Bond
covers any  Additional  Collateral  Loans,  or such other  Surety Bond as may be
identified in the Series Supplement.

        Tax Returns:  The federal income tax return on Internal  Revenue Service
Form 1066,  U.S.  Real Estate  Mortgage  Investment  Conduit  Income Tax Return,
including  Schedule Q thereto,  Quarterly Notice to Residual Interest Holders of
REMIC Taxable Income or Net Loss Allocation, or any successor forms, to be filed
on behalf of any REMIC  formed under the Series  Supplement  and under the REMIC
Provisions, together with any and all other information, reports or returns that
may be  required to be  furnished  to the  Certificateholders  or filed with the
Internal  Revenue Service or any other  governmental  taxing authority under any
applicable provisions of federal, state or local tax laws.

     Transfer: Any direct or indirect transfer,  sale, pledge,  hypothecation or
other form of assignment of any Ownership Interest in a Certificate.

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

     Transferor:  Any Person  who is  disposing  by  Transfer  of any  Ownership
Interest in a Certificate.

        Trust Fund:  The  segregated  pool of assets  related to a Series,  with
respect to which one or more REMIC  elections  are to be made  pursuant  to this
Agreement, consisting of:

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

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

                                       29
<PAGE>

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

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

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

        Uniform Single  Attestation  Program for Mortgage  Bankers:  The Uniform
Single  Attestation  Program for Mortgage Bankers,  as published by the Mortgage
Bankers  Association  of America and  effective  with respect to fiscal  periods
ending on or after December 15, 1995.

        Uninsured  Cause:  Any cause of damage to property subject to a Mortgage
such that the complete restoration of such property is not fully reimbursable by
the hazard insurance policies.

        United  States Person or U.S.  Person:  (i) A citizen or resident of the
United  States,  (ii) a  corporation,  partnership  or other entity treated as a
corporation  or  partnership  for United  States  federal  income  tax  purposes
organized in or under the laws of the United  States or any state thereof or the
District of Columbia (unless, in the case of a partnership, Treasury regulations
provide  otherwise),  provided that, for purposes solely of the  restrictions on
the transfer of residual interests,  no partnership or other entity treated as a
partnership  for United States federal income tax purposes shall be treated as a
United States  Person or U.S.  Person unless all persons that own an interest in
such partnership  either directly or indirectly through any chain of entities no
one of which is a corporation  for United States federal income tax purposes are
required by the  applicable  operating  agreement to be United  States  Persons,
(iii) an estate the  income of which is  includible  in gross  income for United
States tax purposes, regardless of its source, or (iv) a trust if a court within
the  United   States  is  able  to  exercise   primary   supervision   over  the
administration of the trust and one or more United States persons have authority
to control all substantial decisions of the trust. Notwithstanding the preceding
sentence,  to the extent  provided in Treasury  regulations,  certain  Trusts in
existence on August 20, 1996, and treated as United States persons prior to such
date, that elect to continue to be treated as United States persons will also be
a U.S. Person.

     Voting Rights:  The portion of the voting rights of all of the Certificates
which is allocated  to any  Certificate,  and more  specifically  designated  in
Article XI of the Series Supplement.

Section 1.02.  Use of Words and Phrases.

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

                                       30
<PAGE>

                                   ARTICLE II

                          CONVEYANCE OF MORTGAGE LOANS;

                        ORIGINAL ISSUANCE OF CERTIFICATES

Section 2.01.  Conveyance of Mortgage Loans.

(a) The Company,  concurrently  with the  execution  and delivery  hereof,  does
hereby assign to the Trustee without recourse all the right,  title and interest
of the  Company  in and  to the  Mortgage  Loans,  including  all  interest  and
principal  received on or with respect to the  Mortgage  Loans after the Cut-off
Date (other than payments of principal and interest due on the Mortgage Loans on
or before the Cut-off Date).  In connection  with such transfer and  assignment,
the Company  does  hereby  deliver to the  Trustee  the  Certificate  Policy (as
defined in the Series Supplement), if any.

(b) In connection with such  assignment,  except as set forth in Section 2.01(c)
and subject to Section  2.01(d)  below,  the Company does hereby deliver to, and
deposit with, the Trustee,  or to and with one or more  Custodians,  as the duly
appointed  agent or  agents  of the  Trustee  for such  purpose,  the  following
documents or  instruments  (or copies  thereof as permitted by this Section) (I)
with respect to each Mortgage Loan so assigned (other than a Cooperative Loan):

(i)     The original  Mortgage Note,  endorsed  without recourse to the order of
        the  Trustee,  and showing an unbroken  chain of  endorsements  from the
        originator  thereof to the Person  endorsing it to the Trustee,  or with
        respect to any Destroyed  Mortgage Note, an original lost note affidavit
        from the related Seller or Residential Funding stating that the original
        Mortgage Note was lost, misplaced or destroyed,  together with a copy of
        the related Mortgage Note;

(ii)    The  original  Mortgage,  noting the presence of the MIN of the Mortgage
        Loan and language indicating that the Mortgage Loan is a MOM Loan if the
        Mortgage  Loan is a MOM  Loan,  with  evidence  of  recording  indicated
        thereon or a copy of the Mortgage with  evidence of recording  indicated
        thereon;

(iii)   Unless  the  Mortgage  Loan is  registered  on the  MERS(R)  System,  an
        original  Assignment  of the  Mortgage to the Trustee  with  evidence of
        recording  indicated  thereon or a copy of such assignment with evidence
        of recording indicated thereon;

(iv)    The original recorded  assignment or assignments of the Mortgage showing
        an  unbroken  chain of title from the  originator  thereof to the Person
        assigning  it to the  Trustee  (or to  MERS,  if the  Mortgage  Loan  is
        registered on the MERS(R)  System and noting the presence of a MIN) with
        evidence of recordation noted thereon or attached thereto,  or a copy of
        such  assignment  or  assignments  of  the  Mortgage  with  evidence  of
        recording indicated thereon; and

(v)     The  original of each  modification,  assumption  agreement or preferred
        loan agreement, if any, relating to such Mortgage Loan or a copy of each
        modification, assumption agreement or preferred loan agreement.

                                       31
<PAGE>

        and (II) with respect to each Cooperative Loan so assigned:

(i)     The original  Mortgage Note,  endorsed  without recourse to the order of
        the  Trustee  and showing an  unbroken  chain of  endorsements  from the
        originator  thereof to the Person  endorsing it to the Trustee,  or with
        respect to any Destroyed  Mortgage Note, an original lost note affidavit
        from the related Seller or Residential Funding stating that the original
        Mortgage Note was lost, misplaced or destroyed,  together with a copy of
        the related Mortgage Note;

(ii)    A counterpart of the Cooperative Lease and the Assignment of Proprietary
        Lease  to  the  originator  of the  Cooperative  Loan  with  intervening
        assignments  showing an unbroken chain of title from such  originator to
        the Trustee;

(iii)   The related  Cooperative  Stock  Certificate,  representing  the related
        Cooperative  Stock  pledged  with  respect  to  such  Cooperative  Loan,
        together  with an  undated  stock  power (or other  similar  instrument)
        executed in blank;

(iv) The original  recognition  agreement by the Cooperative of the interests of
     the mortgagee with respect to the related Cooperative Loan;

(v)     The Security Agreement;

(vi)    Copies of the original UCC-1 financing  statement,  and any continuation
        statements,  filed by the originator of such Cooperative Loan as secured
        party, each with evidence of recording thereof,  evidencing the interest
        of the  originator  under the Security  Agreement and the  Assignment of
        Proprietary Lease;

(vii)   Copies  of  the  filed  UCC-3   assignments  of  the  security  interest
        referenced in clause (vi) above showing an unbroken  chain of title from
        the originator to the Trustee,  each with evidence of recording thereof,
        evidencing the interest of the originator  under the Security  Agreement
        and the Assignment of Proprietary Lease;

(viii)  An executed assignment of the interest of the originator in the Security
        Agreement, Assignment of Proprietary Lease and the recognition agreement
        referenced in clause (iv) above, showing an unbroken chain of title from
        the originator to the Trustee;

(ix)    The  original of each  modification,  assumption  agreement or preferred
        loan agreement, if any, relating to such Cooperative Loan; and

(x)     A duly completed UCC-1 financing  statement  showing the Master Servicer
        as debtor,  the Company as secured party and the Trustee as assignee and
        a duly completed UCC-1 financing statement showing the Company as debtor
        and the Trustee as secured party,  each in a form sufficient for filing,
        evidencing the interest of such debtors in the Cooperative Loans.

(c) The Company may, in lieu of  delivering  the original of the  documents  set
forth in Section  2.01(b)(I)(ii),  (iii), (iv) and (v) and Section  (b)(II)(ii),

                                       32
<PAGE>

(iv), (vii), (ix) and (x) (or copies thereof as permitted by Section 2.01(b)) to
the Trustee or the Custodian or Custodians, deliver such documents to the Master
Servicer, and the Master Servicer shall hold such documents in trust for the use
and benefit of all present and future  Certificateholders  until such time as is
set forth in the next  sentence.  Within  thirty  Business  Days  following  the
earlier  of (i)  the  receipt  of the  original  of  all  of  the  documents  or
instruments set forth in Section 2.01(b)(I)(ii), (iii), (iv) and (v) and Section
(b)(II)(ii),  (iv),  (vii), (ix) and (x) (or copies thereof as permitted by such
Section)  for any  Mortgage  Loan and (ii) a written  request by the  Trustee to
deliver those  documents  with respect to any or all of the Mortgage  Loans then
being held by the Master Servicer,  the Master Servicer shall deliver a complete
set of such documents to the Trustee or the Custodian or Custodians that are the
duly appointed agent or agents of the Trustee.

(d)  Notwithstanding  the provisions of Section 2.01(c),  in connection with any
Mortgage Loan, if the Company  cannot deliver the original of the Mortgage,  any
assignment,  modification,  assumption agreement or preferred loan agreement (or
copy thereof as permitted by Section 2.01(b)) with evidence of recording thereon
concurrently  with the execution and delivery of this Agreement because of (i) a
delay caused by the public  recording  office where such  Mortgage,  assignment,
modification,  assumption  agreement or preferred loan agreement as the case may
be,  has been  delivered  for  recordation,  or (ii) a delay in the  receipt  of
certain information  necessary to prepare the related  assignments,  the Company
shall  deliver  or  cause  to be  delivered  to the  Trustee  or the  respective
Custodian  a  copy  of  such  Mortgage,  assignment,  modification,   assumption
agreement or preferred loan agreement.

        The Company  shall  promptly  cause to be  recorded  in the  appropriate
public office for real  property  records the  Assignment  referred to in clause
(I)(iii)  of Section  2.01(b),  except (a) in states  where,  in the  opinion of
counsel acceptable to the Trustee and the Master Servicer, such recording is not
required to protect the  Trustee's  interests in the  Mortgage  Loan against the
claim of any  subsequent  transferee  or any  successor  to or  creditor  of the
Company or the  originator of such Mortgage Loan or (b) if MERS is identified on
the  Mortgage  or on a  properly  recorded  assignment  of the  Mortgage  as the
mortgagee  of record  solely as nominee  for the Seller and its  successors  and
assigns,  and shall  promptly  cause to be filed the Form UCC-3  assignment  and
UCC-1 financing statement referred to in clause (II)(vii) and (x), respectively,
of Section 2.01(b). If any Assignment,  Form UCC-3 or Form UCC-1, as applicable,
is lost or returned unrecorded to the Company because of any defect therein, the
Company  shall  prepare a substitute  Assignment,  Form UCC-3 or Form UCC-1,  as
applicable,  or cure such defect,  as the case may be, and cause such Assignment
to be recorded in accordance  with this  paragraph.  The Company shall  promptly
deliver or cause to be delivered to the Trustee or the respective Custodian such
Mortgage or  Assignment  or Form UCC-3 or Form UCC-1,  as  applicable,  (or copy
thereof as permitted by Section  2.01(b)) with  evidence of recording  indicated
thereon  at the time  specified  in  Section  2.01(c).  In  connection  with its
servicing of Cooperative Loans, the Master Servicer will use its best efforts to
file timely continuation  statements with regard to each financing statement and
assignment  relating to  Cooperative  Loans as to which the related  Cooperative
Apartment is located outside of the State of New York.

        If the Company delivers to the Trustee or Custodian any Mortgage Note or
Assignment of Mortgage in blank, the Company shall, or shall cause the Custodian
to, complete the endorsement of the Mortgage Note and the Assignment of Mortgage
in the name of the Trustee in conjunction with the Interim  Certification issued
by the Custodian, as contemplated by Section 2.02.

                                       33
<PAGE>

        Any of the items set forth in Sections  2.01(b)(I)(ii),  (iii), (iv) and
(v) and  (II)(vi)  and (vii) and that may be delivered as a copy rather than the
original may be delivered to the Trustee or the Custodian.

        In connection with the assignment of any Mortgage Loan registered on the
MERS(R) System,  the Company further agrees that it will cause, at the Company's
own expense,  within 30 Business Days after the Closing Date, the MERS(R) System
to indicate  that such  Mortgage  Loans have been assigned by the Company to the
Trustee   in   accordance   with  this   Agreement   for  the   benefit  of  the
Certificateholders  by including  (or  deleting,  in the case of Mortgage  Loans
which are  repurchased in accordance with this Agreement) in such computer files
(a) the code in the field which identifies the specific Trustee and (b) the code
in the field "Pool Field" which identifies the series of the Certificates issued
in connection with such Mortgage Loans.  The Company further agrees that it will
not, and will not permit the Master  Servicer to, and the Master Servicer agrees
that it will not,  alter the codes  referenced in this paragraph with respect to
any  Mortgage  Loan  during  the term of this  Agreement  unless  and until such
Mortgage Loan is repurchased in accordance with the terms of this Agreement.

(e) Residential  Funding hereby assigns to the Trustee its security  interest in
and to any Additional Collateral or Pledged Assets, its right to receive amounts
due or to become due in respect of any  Additional  Collateral or Pledged Assets
pursuant to the related  Subservicing  Agreement  and its rights as  beneficiary
under the Surety  Bond in  respect  of any  Additional  Collateral  Loans.  With
respect to any  Additional  Collateral  Loan or Pledged Asset Loan,  Residential
Funding  shall  cause to be filed in the  appropriate  recording  office a UCC-3
statement  giving notice of the assignment of the related  security  interest to
the Trust Fund and shall  thereafter  cause the timely  filing of all  necessary
continuation statements with regard to such financing statements.

(f) It is  intended  that the  conveyance  by the  Company to the Trustee of the
Mortgage  Loans as provided for in this  Section 2.01 be and the  Uncertificated
REMIC Regular Interests,  if any (as provided for in Section 2.06), be construed
as a  sale  by the  Company  to  the  Trustee  of the  Mortgage  Loans  and  any
Uncertificated    REMIC    Regular    Interests   for   the   benefit   of   the
Certificateholders.  Further,  it is not intended that such conveyance be deemed
to be a pledge  of the  Mortgage  Loans  and any  Uncertificated  REMIC  Regular
Interests by the Company to the Trustee to secure a debt or other  obligation of
the Company.  Nonetheless,  (a) this Agreement is intended to be and hereby is a
security  agreement  within  the  meaning  of  Articles  8 and 9 of the New York
Uniform  Commercial Code and the Uniform Commercial Code of any other applicable
jurisdiction; (b) the conveyance provided for in Section 2.01 shall be deemed to
be,  and hereby  is,  (1) a grant by the  Company  to the  Trustee of a security
interest in all of the  Company's  right  (including  the power to convey  title
thereto), title and interest, whether now owned or hereafter acquired, in and to
any and all general intangibles,  payment intangibles,  accounts, chattel paper,
instruments, documents, money, deposit accounts, certificates of deposit, goods,
letters of credit,  advices of credit and investment property and other property
of whatever kind or description  now existing or hereafter  acquired  consisting
of,  arising from or relating to any of the following:  (A) the Mortgage  Loans,
including (i) with respect to each Cooperative  Loan, the related Mortgage Note,
Security   Agreement,   Assignment  of  Proprietary  Lease,   Cooperative  Stock
Certificate and Cooperative Lease, (ii) with respect to each Mortgage Loan other

                                       34
<PAGE>

than a Cooperative  Loan, the related Mortgage Note and Mortgage,  and (iii) any
insurance policies and all other documents in the related Mortgage File, (B) all
amounts  payable  pursuant to the Mortgage  Loans in  accordance  with the terms
thereof,  (C) any Uncertificated REMIC Regular Interests and (D) all proceeds of
the  conversion,   voluntary  or  involuntary,   of  the  foregoing  into  cash,
instruments,  securities or other  property,  including  without  limitation all
amounts  from time to time held or  invested in the  Certificate  Account or the
Custodial Account, whether in the form of cash, instruments, securities or other
property  and (2) an  assignment  by the Company to the Trustee of any  security
interest in any and all of Residential  Funding's right  (including the power to
convey  title  thereto),  title and  interest,  whether  now owned or  hereafter
acquired, in and to the property described in the foregoing clauses (1)(A), (B),
(C) and (D)  granted by  Residential  Funding  to the  Company  pursuant  to the
Assignment  Agreement;  (c) the possession by the Trustee,  the Custodian or any
other agent of the Trustee of Mortgage  Notes or such other items of property as
constitute instruments, money, payment intangibles, negotiable documents, goods,
deposit accounts,  letters of credit,  advices of credit,  investment  property,
certificated  securities or chattel paper shall be deemed to be  "possession  by
the secured party," or possession by a purchaser or a person  designated by such
secured party, for purposes of perfecting the security  interest pursuant to the
Minnesota Uniform  Commercial Code and the Uniform  Commercial Code of any other
applicable  jurisdiction as in effect (including,  without limitation,  Sections
8-106,  9-313 and 9-106 thereof);  and (d) notifications to persons holding such
property,  and  acknowledgments,  receipts or confirmations from persons holding
such property, shall be deemed notifications to, or acknowledgments, receipts or
confirmations from, securities intermediaries,  bailees or agents of, or persons
holding for (as  applicable)  the Trustee  for the  purpose of  perfecting  such
security interest under applicable law.

        The Company and, at the Company's direction, Residential Funding and the
Trustee  shall,  to  the  extent  consistent  with  this  Agreement,  take  such
reasonable  actions as may be necessary to ensure that, if this  Agreement  were
determined  to  create  a  security   interest  in  the  Mortgage   Loans,   any
Uncertificated  REMIC Regular Interests and the other property  described above,
such security  interest would be determined to be a perfected  security interest
of first priority under applicable law and will be maintained as such throughout
the term of this  Agreement.  Without  limiting the generality of the foregoing,
the Company shall prepare and deliver to the Trustee not less than 15 days prior
to any filing date and, the Trustee shall forward for filing,  or shall cause to
be forwarded for filing, at the expense of the Company, all filings necessary to
maintain the  effectiveness of any original filings  necessary under the Uniform
Commercial  Code as in effect  in any  jurisdiction  to  perfect  the  Trustee's
security interest in or lien on the Mortgage Loans and any Uncertificated  REMIC
Regular  Interests,  as evidenced by an  Officers'  Certificate  of the Company,
including  without  limitation (x) continuation  statements,  and (y) such other
statements  as may be  occasioned  by (1) any  change  of  name  of  Residential
Funding, the Company or the Trustee (such preparation and filing shall be at the
expense of the Trustee,  if occasioned by a change in the Trustee's  name),  (2)
any change of location of the place of business or the chief executive office of
Residential  Funding  or the  Company,  (3)  any  transfer  of any  interest  of
Residential  Funding or the Company in any Mortgage  Loan or (4) any transfer of
any interest of Residential  Funding or the Company in any Uncertificated  REMIC
Regular Interest.

                                       35
<PAGE>

(g) The Master  Servicer  hereby  acknowledges  the receipt by it of the Initial
Monthly  Payment  Fund.  The Master  Servicer  shall hold such  Initial  Monthly
Payment Fund in the  Custodial  Account and shall  include such Initial  Monthly
Payment Fund in the Available  Distribution Amount for the initial  Distribution
Date.  Notwithstanding  anything  herein to the  contrary,  the Initial  Monthly
Payment Fund shall not be an asset of any REMIC.  To the extent that the Initial
Monthly Payment Fund constitutes a reserve fund for federal income tax purposes,
(1) it shall be an outside  reserve  fund and not an asset of any REMIC,  (2) it
shall be owned by the Seller  and (3)  amounts  transferred  by any REMIC to the
Initial  Monthly  Payment Fund shall be treated as  transferred to the Seller or
any  successor,  all within the meaning of Section  1.860G-2(h)  of the Treasury
Regulations.

(h) The Company agrees that the sale of each Pledged Asset Loan pursuant to this
Agreement will also constitute the assignment, sale, setting-over,  transfer and
conveyance  to the  Trustee,  without  recourse  (but  subject to the  Company's
covenants,  representations and warranties specifically provided herein), of all
of the Company's  obligations and all of the Company's right, title and interest
in, to and under,  whether now  existing or  hereafter  acquired as owner of the
Mortgage  Loan  with  respect  to  any  and  all  money,  securities,   security
entitlements,  accounts, general intangibles, payment intangibles,  instruments,
documents, deposit accounts, certificates of deposit, commodities contracts, and
other  investment  property and other  property of whatever kind or  description
consisting of, arising from or related to (i) the Assigned  Contracts,  (ii) all
rights,  powers and remedies of the Company as owner of such Mortgage Loan under
or in connection with the Assigned Contracts, whether arising under the terms of
such Assigned  Contracts,  by statute, at law or in equity, or otherwise arising
out of any default by the  Mortgagor  under or in  connection  with the Assigned
Contracts,  including  all rights to exercise  any election or option or to make
any  decision  or  determination  or to give or  receive  any  notice,  consent,
approval  or  waiver  thereunder,  (iii)  the  Pledged  Amounts  and all  money,
securities,  security  entitlements,   accounts,  general  intangibles,  payment
intangibles,  instruments, documents, deposit accounts, certificates of deposit,
commodities  contracts,  and other  investment  property  and other  property of
whatever  kind or  description  and all cash and non-cash  proceeds of the sale,
exchange,  or  redemption  of,  and all stock or  conversion  rights,  rights to
subscribe,  liquidation  dividends or preferences,  stock  dividends,  rights to
interest, dividends, earnings, income, rents, issues, profits, interest payments
or other  distributions  of cash or other  property that secures a Pledged Asset
Loan, (iv) all documents,  books and records concerning the foregoing (including
all  computer  programs,  tapes,  disks and related  items  containing  any such
information) and (v) all insurance proceeds (including proceeds from the Federal
Deposit Insurance Corporation or the Securities Investor Protection  Corporation
or any other insurance company) of any of the foregoing or replacements  thereof
or substitutions therefor, proceeds of proceeds and the conversion, voluntary or
involuntary,  of any thereof.  The  foregoing  transfer,  sale,  assignment  and
conveyance does not constitute and is not intended to result in the creation, or
an assumption  by the Trustee,  of any  obligation of the Company,  or any other
person  in  connection  with the  Pledged  Assets  or  under  any  agreement  or
instrument  relating thereto,  including any obligation to the Mortgagor,  other
than as owner of the Mortgage Loan.

Section 2.02.  Acceptance by Trustee.
               ---------------------

        The Trustee  acknowledges  receipt (or,  with respect to Mortgage  Loans
subject  to  a  Custodial  Agreement,   and  based  solely  upon  a  receipt  or
certification executed by the Custodian,  receipt by the respective Custodian as

                                       36
<PAGE>

the duly appointed agent of the Trustee) of the documents referred to in Section
2.01(b)(i)  above  (except  that for  purposes of such  acknowledgement  only, a
Mortgage  Note may be endorsed in blank) and declares that it, or a Custodian as
its  agent,  holds  and  will  hold  such  documents  and  the  other  documents
constituting a part of the Mortgage Files delivered to it, or a Custodian as its
agent, and the rights of Residential Funding with respect to any Pledged Assets,
Additional  Collateral  and the Surety Bond assigned to the Trustee  pursuant to
Section  2.01,  in trust  for the use and  benefit  of all  present  and  future
Certificateholders.  The Trustee or Custodian (such Custodian being so obligated
under a Custodial Agreement) agrees, for the benefit of  Certificateholders,  to
review each Mortgage File delivered to it pursuant to Section  2.01(b) within 45
days  after  the  Closing  Date  to  ascertain   that  all  required   documents
(specifically as set forth in Section 2.01(b)), have been executed and received,
and that such documents  relate to the Mortgage Loans identified on the Mortgage
Loan Schedule, as supplemented, that have been conveyed to it, and to deliver to
the Trustee a certificate (the "Interim  Certification")  to the effect that all
documents  required to be delivered  pursuant to Section 2.01(b) above have been
executed  and  received and that such  documents  relate to the  Mortgage  Loans
identified on the Mortgage Loan Schedule,  except for any  exceptions  listed on
Schedule A attached to such Interim Certification. Upon delivery of the Mortgage
Files by the  Company or the Master  Servicer,  the  Trustee  shall  acknowledge
receipt (or, with respect to Mortgage  Loans  subject to a Custodial  Agreement,
and based  solely upon a receipt or  certification  executed  by the  Custodian,
receipt by the respective  Custodian as the duly appointed agent of the Trustee)
of the documents referred to in Section 2.01(c) above.

        If  the  Custodian,  as the  Trustee's  agent,  finds  any  document  or
documents constituting a part of a Mortgage File to be missing or defective, the
Trustee shall promptly so notify the Master  Servicer and the Company.  Pursuant
to Section 2.3 of the Custodial Agreement,  the Custodian will notify the Master
Servicer, the Company and the Trustee of any such omission or defect found by it
in respect of any Mortgage  File held by it in respect of the items  reviewed by
it pursuant to the Custodial  Agreement.  If such omission or defect  materially
and  adversely  affects  the  interests  of the  Certificateholders,  the Master
Servicer  shall  promptly  notify  the  related  Subservicer  or  Seller of such
omission or defect and request that such  Subservicer  or Seller correct or cure
such  omission or defect  within 60 days from the date the Master  Servicer  was
notified of such omission or defect and, if such  Subservicer or Seller does not
correct  or  cure  such  omission  or  defect  within  such  period,  that  such
Subservicer  or Seller  purchase  such  Mortgage Loan from the Trust Fund at its
Purchase  Price, in either case within 90 days from the date the Master Servicer
was notified of such omission or defect; provided that if the omission or defect
would cause the Mortgage Loan to be other than a "qualified mortgage" as defined
in Section 860G(a)(3) of the Code, any such cure or repurchase must occur within
90 days from the date such breach was  discovered.  The  Purchase  Price for any
such Mortgage Loan, whether purchased by the Seller or the Subservicer, shall be
deposited  or caused to be  deposited  by the Master  Servicer in the  Custodial
Account  maintained  by it pursuant  to Section  3.07 and,  upon  receipt by the
Trustee of written  notification of such deposit signed by a Servicing  Officer,
the Trustee or any  Custodian,  as the case may be, shall  release to the Master
Servicer the related  Mortgage  File and the Trustee  shall  execute and deliver
such instruments of transfer or assignment  prepared by the Master Servicer,  in
each case without  recourse,  as shall be necessary to vest in the Seller or its
designee or the  Subservicer  or its designee,  as the case may be, any Mortgage
Loan released  pursuant  hereto and  thereafter  such Mortgage Loan shall not be
part of the Trust Fund. In furtherance of the foregoing,  if the  Subservicer or
Seller  that  repurchases  the  Mortgage  Loan is not a  member  of MERS and the

                                       37
<PAGE>

Mortgage is registered on the MERS(R) System,  the Master  Servicer,  at its own
expense and without any right of reimbursement,  shall cause MERS to execute and
deliver an  assignment  of the  Mortgage  in  recordable  form to  transfer  the
Mortgage from MERS to such  Subservicer  or Seller and shall cause such Mortgage
to be removed from  registration  on the MERS(R) System in accordance with MERS'
rules and  regulations.  It is understood  and agreed that the obligation of the
Seller  or the  Subservicer,  as the case  may be,  to so cure or  purchase  any
Mortgage  Loan as to which a material  and  adverse  defect in or  omission of a
constituent  document  exists shall  constitute the sole remedy  respecting such
defect or omission available to  Certificateholders  or the Trustee on behalf of
the Certificateholders.

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

(a) The Master  Servicer  hereby  represents and warrants to the Trustee for the
benefit of the Certificateholders that:

(i)     The Master Servicer is a corporation  duly organized,  validly  existing
        and in good standing under the laws governing its creation and existence
        and is or will be in compliance with the laws of each state in which any
        Mortgaged  Property  is located to the  extent  necessary  to ensure the
        enforceability  of each Mortgage  Loan in  accordance  with the terms of
        this Agreement;

(ii)    The execution and delivery of this Agreement by the Master  Servicer and
        its performance and compliance with the terms of this Agreement will not
        violate the Master Servicer's  Certificate of Incorporation or Bylaws or
        constitute a material  default (or an event which,  with notice or lapse
        of time, or both, would constitute a material  default) under, or result
        in the  material  breach of, any material  contract,  agreement or other
        instrument  to which  the  Master  Servicer  is a party or which  may be
        applicable to the Master Servicer or any of its assets;

(iii)   This Agreement,  assuming due  authorization,  execution and delivery by
        the  Trustee and the  Company,  constitutes  a valid,  legal and binding
        obligation of the Master Servicer,  enforceable against it in accordance
        with the terms  hereof  subject to  applicable  bankruptcy,  insolvency,
        reorganization,  moratorium and other laws affecting the  enforcement of
        creditors'  rights  generally  and  to  general  principles  of  equity,
        regardless of whether such  enforcement is considered in a proceeding in
        equity or at law;

(iv)    The  Master  Servicer  is not in  default  with  respect to any order or
        decree of any court or any order,  regulation  or demand of any federal,
        state,  municipal  or  governmental  agency,  which  default  might have
        consequences  that would  materially and adversely  affect the condition
        (financial  or  other)  or  operations  of the  Master  Servicer  or its
        properties or might have  consequences  that would materially  adversely
        affect its performance hereunder;

                                       38
<PAGE>

(v)     No  litigation  is  pending  or,  to the best of the  Master  Servicer's
        knowledge,  threatened  against the Master Servicer which would prohibit
        its entering into this  Agreement or performing  its  obligations  under
        this Agreement;

(vi)    The  Master  Servicer  will  comply  in  all  material  respects  in the
        performance of this Agreement with all reasonable rules and requirements
        of each insurer under each Required Insurance Policy;

(vii)   No  information,  certificate  of an  officer,  statement  furnished  in
        writing or report delivered to the Company, any Affiliate of the Company
        or the Trustee by the Master  Servicer  will,  to the  knowledge  of the
        Master Servicer, contain any untrue statement of a material fact or omit
        a  material  fact  necessary  to  make  the  information,   certificate,
        statement or report not misleading;

(viii)  The Master  Servicer has examined each  existing,  and will examine each
        new,  Subservicing  Agreement  and is or will be familiar with the terms
        thereof.  The terms of each  existing  Subservicing  Agreement  and each
        designated Subservicer are acceptable to the Master Servicer and any new
        Subservicing Agreements will comply with the provisions of Section 3.02;
        and

(ix)    The  Master  Servicer  is a member  of MERS in good  standing,  and will
        comply in all material respects with the rules and procedures of MERS in
        connection  with the servicing of the Mortgage Loans that are registered
        with MERS.

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

        Upon discovery by either the Company,  the Master Servicer,  the Trustee
or any Custodian of a breach of any representation or warranty set forth in this
Section  2.03(a) which  materially  and  adversely  affects the interests of the
Certificateholders in any Mortgage Loan, the party discovering such breach shall
give  prompt  written  notice  to the  other  parties  (any  Custodian  being so
obligated under a Custodial  Agreement).  Within 90 days of its discovery or its
receipt of notice of such breach, the Master Servicer shall either (i) cure such
breach in all  material  respects or (ii) to the extent that such breach is with
respect to a Mortgage  Loan or a related  document,  purchase such Mortgage Loan
from the Trust Fund at the Purchase Price and in the manner set forth in Section
2.02;  provided  that if the omission or defect would cause the Mortgage Loan to
be other than a  "qualified  mortgage" as defined in Section  860G(a)(3)  of the
Code,  any such cure or repurchase  must occur within 90 days from the date such
breach was discovered. The obligation of the Master Servicer to cure such breach
or to so purchase such Mortgage Loan shall constitute the sole remedy in respect
of a breach of a  representation  and warranty set forth in this Section 2.03(a)
available   to  the   Certificateholders   or  the  Trustee  on  behalf  of  the
Certificateholders.

(b)  Representations and warranties relating to the Mortgage Loans are set forth
in Section 2.03(b) of the Series Supplement.

                                       39
<PAGE>

Section 2.04.  Representations and Warranties of Sellers.

        The Company,  as assignee of  Residential  Funding under the  Assignment
Agreement,  hereby assigns to the Trustee for the benefit of  Certificateholders
all of its right, title and interest in respect of the Assignment  Agreement and
each Seller's Agreement applicable to a Mortgage Loan. Insofar as the Assignment
Agreement or the Company's  rights under such Seller's  Agreement  relate to the
representations and warranties made by Residential Funding or the related Seller
in respect of such Mortgage Loan and any remedies  provided  thereunder  for any
breach of such  representations  and warranties,  such right, title and interest
may be  enforced  by the  Master  Servicer  on  behalf  of the  Trustee  and the
Certificateholders.  Upon the discovery by the Company, the Master Servicer, the
Trustee  or  any  Custodian  of a  breach  of any  of  the  representations  and
warranties  made in a Seller's  Agreement that have been assigned to the Trustee
pursuant to this Section 2.04 or of a breach of any of the  representations  and
warranties made in the Assignment Agreement (which, for purposes hereof, will be
deemed to include any other cause giving rise to a repurchase  obligation  under
the Assignment  Agreement) in respect of any Mortgage Loan which  materially and
adversely affects the interests of the Certificateholders in such Mortgage Loan,
the party  discovering such breach shall give prompt written notice to the other
parties (any  Custodian  being so obligated  under a Custodial  Agreement).  The
Master Servicer shall promptly notify the related Seller or Residential Funding,
as the case may be, of such breach and request  that such Seller or  Residential
Funding,  as the case  may be,  either  (i) cure  such  breach  in all  material
respects  within 90 days from the date the Master  Servicer was notified of such
breach or (ii)  purchase  such Mortgage Loan from the Trust Fund at the Purchase
Price and in the manner set forth in Section 2.02;  provided that in the case of
a breach  under the  Assignment  Agreement  Residential  Funding  shall have the
option to  substitute  a Qualified  Substitute  Mortgage  Loan or Loans for such
Mortgage Loan if such substitution occurs within two years following the Closing
Date; provided that if the breach would cause the Mortgage Loan to be other than
a "qualified  mortgage" as defined in Section  860G(a)(3) of the Code,  any such
cure,  repurchase  or  substitution  must occur within 90 days from the date the
breach  was  discovered.  In  the  event  that  Residential  Funding  elects  to
substitute a Qualified  Substitute Mortgage Loan or Loans for a Deleted Mortgage
Loan  pursuant to this Section  2.04,  Residential  Funding shall deliver to the
Trustee for the benefit of the Certificateholders with respect to such Qualified
Substitute Mortgage Loan or Loans, the original Mortgage Note, the Mortgage,  an
Assignment of the Mortgage in recordable  form, if required  pursuant to Section
2.01,  and such other  documents and agreements as are required by Section 2.01,
with the Mortgage Note  endorsed as required by Section  2.01.  No  substitution
will be made in any calendar month after the Determination  Date for such month.
Monthly Payments due with respect to Qualified  Substitute Mortgage Loans in the
month of  substitution  shall not be part of the Trust Fund and will be retained
by the Master  Servicer  and  remitted  by the Master  Servicer  to  Residential
Funding on the next succeeding Distribution Date. For the month of substitution,
distributions to the Certificateholders  will include the Monthly Payment due on
a Deleted Mortgage Loan for such month and thereafter  Residential Funding shall
be entitled to retain all amounts  received in respect of such Deleted  Mortgage
Loan.  The Master  Servicer shall amend or cause to be amended the Mortgage Loan
Schedule,  and, if the Deleted  Mortgage Loan was a Discount  Mortgage Loan, the
Schedule of Discount  Fractions,  for the benefit of the  Certificateholders  to
reflect the removal of such Deleted  Mortgage Loan and the  substitution  of the
Qualified  Substitute  Mortgage  Loan or Loans  and the  Master  Servicer  shall
deliver the amended  Mortgage Loan Schedule,  and, if the Deleted  Mortgage Loan
was a Discount Mortgage Loan, the amended Schedule of Discount Fractions, to the
Trustee. Upon such substitution, the Qualified Substitute Mortgage Loan or Loans
shall be subject to the terms of this  Agreement  and the  related  Subservicing

                                       40
<PAGE>

Agreement in all respects,  the related  Seller shall be deemed to have made the
representations and warranties with respect to the Qualified Substitute Mortgage
Loan contained in the related Seller's Agreement as of the date of substitution,
insofar as Residential  Funding's rights in respect of such  representations and
warranties are assigned to the Company pursuant to the Assignment Agreement, and
the Company and the Master Servicer shall be deemed to have made with respect to
any Qualified Substitute Mortgage Loan or Loans, as of the date of substitution,
the covenants, representations and warranties set forth in this Section 2.04, in
Section 2.03 hereof and in Section 4 of the Assignment Agreement, and the Master
Servicer  shall be obligated  to  repurchase  or  substitute  for any  Qualified
Substitute  Mortgage  Loan as to which a  Repurchase  Event (as  defined  in the
Assignment  Agreement)  has  occurred  pursuant  to Section 4 of the  Assignment
Agreement.

        In connection with the substitution of one or more Qualified  Substitute
Mortgage Loans for one or more Deleted  Mortgage Loans, the Master Servicer will
determine  the amount (if any) by which the aggregate  principal  balance of all
such Qualified  Substitute Mortgage Loans as of the date of substitution is less
than the aggregate Stated  Principal  Balance of all such Deleted Mortgage Loans
(in each case after application of the principal portion of the Monthly Payments
due  in  the  month  of   substitution   that  are  to  be  distributed  to  the
Certificateholders  in the month of  substitution).  Residential  Funding  shall
deposit the amount of such  shortfall  into the Custodial  Account on the day of
substitution, without any reimbursement therefor. Residential Funding shall give
notice  in  writing  to the  Trustee  of  such  event,  which  notice  shall  be
accompanied by an Officers'  Certificate as to the calculation of such shortfall
and  (subject to Section  10.01(f))  by an Opinion of Counsel to the effect that
such  substitution will not cause (a) any federal tax to be imposed on the Trust
Fund,  including  without  limitation,  any federal  tax imposed on  "prohibited
transactions"  under Section  860F(a)(1) of the Code or on "contributions  after
the startup date" under Section 860G(d)(1) of the Code or (b) any portion of any
REMIC  to  fail  to  qualify  as  such  at any  time  that  any  Certificate  is
outstanding.

        It is  understood  and  agreed  that the  obligation  of the  Seller  or
Residential  Funding, as the case may be, to cure such breach or purchase (or in
the case of  Residential  Funding to  substitute  for) such  Mortgage Loan as to
which such a breach has occurred and is  continuing  shall  constitute  the sole
remedy respecting such breach available to the Certificateholders or the Trustee
on behalf of Certificateholders.  If the Master Servicer is Residential Funding,
then the Trustee shall also have the right to give the  notification and require
the purchase or substitution  provided for in the second preceding  paragraph in
the event of such a breach of a  representation  or warranty made by Residential
Funding in the  Assignment  Agreement.  In  connection  with the  purchase of or
substitution  for any such Mortgage  Loan by  Residential  Funding,  the Trustee
shall  assign to  Residential  Funding  all of the  Trustee's  right,  title and
interest  in respect of the  Seller's  Agreement  and the  Assignment  Agreement
applicable to such Mortgage Loan.

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

               As provided in Section 2.05 of the Series Supplement.

                                       41
<PAGE>

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

               As provided in Section 2.06 of the Series Supplement.

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

               As provided in Section 2.07 of the Series Supplement.

Section 2.08.  Purposes and Powers of the Trust.

        The  purpose of the trust,  as  created  hereunder,  is to engage in the
following activities:

(a) to sell the Certificates to the Company in exchange for the Mortgage Loans;

(b)     to enter into and perform its obligations under this Agreement;

(c) to engage in those activities that are necessary,  suitable or convenient to
accomplish the foregoing or are incidental thereto or connected therewith; and

(d)  subject  to  compliance  with  this  Agreement,  to  engage  in such  other
activities as may be required in connection with  conservation of the Trust Fund
and the making of distributions to the Certificateholders.

               The  trust  is  hereby  authorized  to  engage  in the  foregoing
activities. Notwithstanding the provisions of Section 11.01, the trust shall not
engage in any activity other than in connection with the foregoing or other than
as required or authorized by the terms of this Agreement  while any  Certificate
is outstanding, and this Section 2.08 may not be amended, without the consent of
the  Certificateholders  evidencing a majority of the aggregate Voting Rights of
the Certificates.

                                       42
<PAGE>

                                  ARTICLE III

                          ADMINISTRATION AND SERVICING

                                OF MORTGAGE LOANS

Section 3.01.  Master Servicer to Act as Servicer.

(a) The Master  Servicer  shall  service and  administer  the Mortgage  Loans in
accordance  with the terms of this Agreement and the  respective  Mortgage Loans
and shall have full power and authority, acting alone or through Subservicers as
provided in Section 3.02,  to do any and all things which it may deem  necessary
or desirable in  connection  with such  servicing  and  administration.  Without
limiting the generality of the foregoing, the Master Servicer in its own name or
in the name of a Subservicer  is hereby  authorized and empowered by the Trustee
when the Master  Servicer or the  Subservicer,  as the case may be,  believes it
appropriate  in its best  judgment,  to execute  and  deliver,  on behalf of the
Certificateholders  and the Trustee or any of them,  any and all  instruments of
satisfaction or cancellation,  or of partial or full release or discharge, or of
consent to assumption or modification in connection with a proposed  conveyance,
or of  assignment  of any  Mortgage  and Mortgage  Note in  connection  with the
repurchase  of a Mortgage  Loan and all other  comparable  instruments,  or with
respect to the  modification  or  re-recording  of a Mortgage for the purpose of
correcting the Mortgage,  the subordination of the lien of the Mortgage in favor
of a public utility company or government  agency or unit with powers of eminent
domain,  the  taking  of a  deed  in  lieu  of  foreclosure,  the  commencement,
prosecution  or  completion  of  judicial  or  non-judicial   foreclosure,   the
conveyance of a Mortgaged  Property to the related  Insurer,  the acquisition of
any property  acquired by  foreclosure  or deed in lieu of  foreclosure,  or the
management,  marketing and conveyance of any property acquired by foreclosure or
deed in lieu of foreclosure  with respect to the Mortgage Loans and with respect
to the Mortgaged  Properties.  The Master  Servicer  further is  authorized  and
empowered by the Trustee, on behalf of the  Certificateholders  and the Trustee,
in its own name or in the name of the  Subservicer,  when the Master Servicer or
the  Subservicer,  as the  case  may be,  believes  it  appropriate  in its best
judgment to register  any  Mortgage  Loan on the  MERS(R)  System,  or cause the
removal from the  registration  of any Mortgage Loan on the MERS(R)  System,  to
execute and deliver, on behalf of the Trustee and the  Certificateholders or any
of them, any and all instruments of assignment and other comparable  instruments
with respect to such  assignment  or  re-recording  of a Mortgage in the name of
MERS,  solely as nominee for the Trustee and its  successors  and  assigns.  Any
expenses  incurred in  connection  with the actions  described in the  preceding
sentence  shall be borne by the  Master  Servicer  in  accordance  with  Section
3.16(c), with no right of reimbursement;  provided, that if, as a result of MERS
discontinuing  or becoming unable to continue  operations in connection with the
MERS System,  it becomes necessary to remove any Mortgage Loan from registration
on the MERS System and to arrange for the assignment of the related Mortgages to
the  Trustee,  then any related  expenses  shall be  reimbursable  to the Master
Servicer.  Notwithstanding the foregoing, subject to Section 3.07(a), the Master
Servicer  shall not permit any  modification  with respect to any Mortgage  Loan
that would both  constitute a sale or exchange of such  Mortgage Loan within the
meaning  of  Section  1001 of the  Code  and any  proposed,  temporary  or final
regulations  promulgated  thereunder  (other than in connection  with a proposed
conveyance  or  assumption  of such Mortgage Loan that is treated as a Principal
Prepayment  in Full  pursuant  to Section  3.13(d)  hereof)  and cause any REMIC
formed under the Series Supplement to fail to qualify as a REMIC under the Code.
The Trustee  shall  furnish the Master  Servicer with any powers of attorney and
other  documents  necessary  or  appropriate  to enable the Master  Servicer  to

                                       43
<PAGE>

service and administer the Mortgage  Loans.  The Trustee shall not be liable for
any action  taken by the Master  Servicer  or any  Subservicer  pursuant to such
powers of attorney.  In servicing and administering any Nonsubserviced  Mortgage
Loan,  the Master  Servicer  shall,  to the extent  not  inconsistent  with this
Agreement,  comply with the Program  Guide as if it were the  originator of such
Mortgage Loan and had retained the servicing  rights and  obligations in respect
thereof.  In connection with servicing and administering the Mortgage Loans, the
Master  Servicer  and any  Affiliate  of the  Master  Servicer  (i) may  perform
services such as  appraisals  and  brokerage  services that are not  customarily
provided by servicers  of mortgage  loans,  and shall be entitled to  reasonable
compensation  therefor in accordance  with Section 3.10 and (ii) may, at its own
discretion and on behalf of the Trustee,  obtain credit  information in the form
of a "credit score" from a credit repository.

(b) All costs incurred by the Master  Servicer or by  Subservicers  in effecting
the timely payment of taxes and  assessments  on the  properties  subject to the
Mortgage Loans shall not, for the purpose of calculating  monthly  distributions
to the  Certificateholders,  be added to the  amount  owing  under  the  related
Mortgage Loans,  notwithstanding that the terms of such Mortgage Loan so permit,
and  such  costs  shall  be  recoverable  to the  extent  permitted  by  Section
3.10(a)(ii).

(c) The Master Servicer may enter into one or more agreements in connection with
the offering of pass-through certificates evidencing interests in one or more of
the  Certificates  providing  for the payment by the Master  Servicer of amounts
received by the Master Servicer as servicing compensation hereunder and required
to cover certain  Prepayment  Interest  Shortfalls on the Mortgage Loans,  which
payment  obligation  will  thereafter be an  obligation  of the Master  Servicer
hereunder.

Section 3.02.  Subservicing Agreements Between Master Servicer and Subservicers;
     Enforcement of Subservicers' and Sellers' Obligations.

(a) The Master Servicer may continue in effect  Subservicing  Agreements entered
into by Residential Funding and Subservicers prior to the execution and delivery
of  this  Agreement,  and  may  enter  into  new  Subservicing  Agreements  with
Subservicers,  for  the  servicing  and  administration  of all or  some  of the
Mortgage Loans. Each Subservicer of a Mortgage Loan shall be entitled to receive
and retain,  as provided in the related  Subservicing  Agreement  and in Section
3.07, the related  Subservicing  Fee from payments of interest  received on such
Mortgage Loan after payment of all amounts required to be remitted to the Master
Servicer  in respect of such  Mortgage  Loan.  For any  Mortgage  Loan that is a
Nonsubserviced  Mortgage Loan, the Master  Servicer shall be entitled to receive
and retain an amount equal to the  Subservicing  Fee from  payments of interest.
Unless the context otherwise  requires,  references in this Agreement to actions
taken or to be taken by the Master  Servicer in  servicing  the  Mortgage  Loans
include  actions taken or to be taken by a  Subservicer  on behalf of the Master
Servicer.  Each Subservicing Agreement will be upon such terms and conditions as
are  generally   required  or  permitted  by  the  Program  Guide  and  are  not
inconsistent  with this Agreement and as the Master Servicer and the Subservicer
have agreed. A representative form of Subservicing Agreement is attached to this

                                       44
<PAGE>

Agreement as Exhibit E. With the approval of the Master Servicer,  a Subservicer
may  delegate its  servicing  obligations  to  third-party  servicers,  but such
Subservicer will remain obligated under the related Subservicing Agreement.  The
Master  Servicer  and a  Subservicer  may enter  into  amendments  thereto  or a
different form of Subservicing  Agreement,  and the form referred to or included
in the Program Guide is merely  provided for information and shall not be deemed
to limit in any respect the discretion of the Master Servicer to modify or enter
into  different  Subservicing  Agreements;  provided,  however,  that  any  such
amendments  or  different  forms  shall be  consistent  with and not violate the
provisions of either this Agreement or the Program Guide in a manner which would
materially and adversely affect the interests of the Certificateholders.

(b) As part of its servicing activities hereunder,  the Master Servicer, for the
benefit of the Trustee and the Certificateholders, shall use its best reasonable
efforts  to  enforce  the  obligations  of each  Subservicer  under the  related
Subservicing  Agreement and of each Seller under the related Seller's  Agreement
insofar as the  Company's  rights with respect to Seller's  obligation  has been
assigned to the Trustee hereunder, to the extent that the non-performance of any
such Seller's  obligation would have a material and adverse effect on a Mortgage
Loan, including,  without limitation, the obligation to purchase a Mortgage Loan
on account of  defective  documentation,  as described  in Section  2.02,  or on
account of a breach of a  representation  or  warranty,  as described in Section
2.04. Such enforcement,  including, without limitation, the legal prosecution of
claims,  termination  of  Subservicing  Agreements  or Seller's  Agreements,  as
appropriate,  and the pursuit of other  appropriate  remedies,  shall be in such
form and carried  out to such an extent and at such time as the Master  Servicer
would employ in its good faith business  judgment and which are normal and usual
in its general mortgage servicing activities.  The Master Servicer shall pay the
costs of such enforcement at its own expense,  and shall be reimbursed  therefor
only (i) from a general recovery  resulting from such enforcement to the extent,
if any,  that such  recovery  exceeds  all amounts due in respect of the related
Mortgage Loan or (ii) from a specific  recovery of costs,  expenses or attorneys
fees against the party against whom such  enforcement is directed.  For purposes
of clarification  only, the parties agree that the foregoing is not intended to,
and does not,  limit the  ability of the Master  Servicer to be  reimbursed  for
expenses  that are incurred in  connection  with the  enforcement  of a Seller's
obligations  (insofar  as the  Company's  rights with  respect to such  Seller's
obligations  have been assigned to the Trustee  hereunder) and are  reimbursable
pursuant to Section 3.10(a)(viii).

Section 3.03.  Successor Subservicers.

        The Master  Servicer  shall be entitled to  terminate  any  Subservicing
Agreement  that may exist in  accordance  with the terms and  conditions of such
Subservicing  Agreement and without any limitation by virtue of this  Agreement;
provided,  however,  that  in the  event  of  termination  of  any  Subservicing
Agreement by the Master Servicer or the  Subservicer,  the Master Servicer shall
either act as servicer of the related Mortgage Loan or enter into a Subservicing
Agreement with a successor  Subservicer  which will be bound by the terms of the
related  Subservicing  Agreement.  If the Master  Servicer or any  Affiliate  of
Residential  Funding  acts as  servicer,  it will not assume  liability  for the
representations  and  warranties of the  Subservicer  which it replaces.  If the
Master  Servicer   enters  into  a  Subservicing   Agreement  with  a  successor
Subservicer,  the  Master  Servicer  shall use  reasonable  efforts  to have the
successor  Subservicer assume liability for the  representations  and warranties
made by the terminated Subservicer in respect of the related Mortgage Loans and,

                                       45
<PAGE>

in the event of any such  assumption  by the successor  Subservicer,  the Master
Servicer may, in the exercise of its business  judgment,  release the terminated
Subservicer from liability for such representations and warranties.

Section 3.04.  Liability of the Master Servicer.
               --------------------------------

        Notwithstanding  any  Subservicing  Agreement,  any of the provisions of
this  Agreement  relating  to  agreements  or  arrangements  between  the Master
Servicer or a Subservicer or reference to actions taken through a Subservicer or
otherwise,  the Master Servicer shall remain obligated and liable to the Trustee
and the  Certificateholders  for the servicing and administering of the Mortgage
Loans in accordance  with the  provisions of Section 3.01 without  diminution of
such  obligation  or  liability  by virtue of such  Subservicing  Agreements  or
arrangements or by virtue of indemnification from the Subservicer or the Company
and to the same extent and under the same terms and  conditions as if the Master
Servicer alone were servicing and  administering  the Mortgage Loans. The Master
Servicer  shall be entitled to enter into any agreement  with a  Subservicer  or
Seller for  indemnification of the Master Servicer and nothing contained in this
Agreement shall be deemed to limit or modify such indemnification.

Section 3.05.  No Contractual Relationship Between Subservicer and
                      Trustee or Certificateholders.
                      -----------------------------

        Any  Subservicing  Agreement  that may be  entered  into  and any  other
transactions or services  relating to the Mortgage Loans involving a Subservicer
in its capacity as such and not as an  originator  shall be deemed to be between
the  Subservicer  and  the  Master  Servicer  alone  and  the  Trustee  and  the
Certificateholders shall not be deemed parties thereto and shall have no claims,
rights,  obligations,  duties or liabilities  with respect to the Subservicer in
its  capacity  as such  except  as set  forth in  Section  3.06.  The  foregoing
provision  shall  not in any way  limit a  Subservicer's  obligation  to cure an
omission or defect or to  repurchase  a Mortgage  Loan as referred to in Section
2.02 hereof.

Section 3.06.  Assumption or Termination of Subservicing Agreements by Trustee.
               ---------------------------------------------------------------

(a) If the Master Servicer shall for any reason no longer be the master servicer
(including by reason of an Event of Default),  the Trustee,  its designee or its
successor shall thereupon assume all of the rights and obligations of the Master
Servicer under each Subservicing  Agreement that may have been entered into. The
Trustee,  its designee or the successor servicer for the Trustee shall be deemed
to have  assumed  all of the  Master  Servicer's  interest  therein  and to have
replaced  the Master  Servicer as a party to the  Subservicing  Agreement to the
same extent as if the  Subservicing  Agreement had been assigned to the assuming
party  except  that the Master  Servicer  shall not  thereby be  relieved of any
liability or obligations under the Subservicing Agreement.

(b) The Master Servicer shall, upon request of the Trustee but at the expense of
the Master  Servicer,  deliver to the assuming  party all  documents and records
relating  to each  Subservicing  Agreement  and the  Mortgage  Loans  then being
serviced and an accounting of amounts collected and held by it and otherwise use
its  best  efforts  to  effect  the  orderly  and  efficient  transfer  of  each
Subservicing Agreement to the assuming party.

                                       46
<PAGE>

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

(a) The Master  Servicer shall make  reasonable  efforts to collect all payments
called for under the terms and provisions of the Mortgage  Loans,  and shall, to
the extent such procedures shall be consistent with this Agreement and the terms
and provisions of any related Primary Insurance  Policy,  follow such collection
procedures as it would employ in its good faith business  judgment and which are
normal and usual in its general mortgage servicing  activities.  Consistent with
the  foregoing,  the Master  Servicer may in its  discretion  (i) waive any late
payment charge or any prepayment  charge or penalty  interest in connection with
the  prepayment of a Mortgage Loan and (ii) extend the Due Date for payments due
on a Mortgage Loan in accordance with the Program Guide; provided, however, that
the Master Servicer shall first determine that any such waiver or extension will
not impair the coverage of any related  Primary  Insurance  Policy or materially
adversely  affect  the lien of the  related  Mortgage.  In the event of any such
arrangement,  the Master  Servicer  shall make  timely  advances  on the related
Mortgage Loan during the scheduled  period in accordance  with the  amortization
schedule of such  Mortgage Loan without  modification  thereof by reason of such
arrangements  unless  otherwise  agreed  to by the  Holders  of the  Classes  of
Certificates affected thereby;  provided,  however, that no such extension shall
be made if any such advance would be a Nonrecoverable  Advance.  Consistent with
the terms of this Agreement,  the Master Servicer may also waive, modify or vary
any  term  of any  Mortgage  Loan  or  consent  to the  postponement  of  strict
compliance with any such term or in any manner grant indulgence to any Mortgagor
if  in  the  Master   Servicer's   determination   such  waiver,   modification,
postponement  or  indulgence is not  materially  adverse to the interests of the
Certificateholders  (taking into account any estimated  Realized Loss that might
result absent such action); provided,  however, that the Master Servicer may not
modify  materially  or permit  any  Subservicer  to modify  any  Mortgage  Loan,
including  without  limitation any  modification  that would change the Mortgage
Rate,  forgive the payment of any  principal or interest  (unless in  connection
with the  liquidation of the related  Mortgage Loan or except in connection with
prepayments to the extent that such  reamortization is not inconsistent with the
terms of the Mortgage  Loan), or extend the final maturity date of such Mortgage
Loan,  unless such Mortgage Loan is in default or, in the judgment of the Master
Servicer, such default is reasonably foreseeable; and provided, further, that no
such  modification  shall reduce the interest  rate on a Mortgage Loan below the
sum of the Pool Strip Rate and the sum of the rates at which the  Servicing  Fee
and the  Subservicing  Fee  with  respect  to such  Mortgage  Loan  accrues.  In
connection with any Curtailment of a Mortgage Loan, the Master Servicer,  to the
extent not  inconsistent  with the terms of the Mortgage  Note and local law and
practice,  may permit the Mortgage Loan to be reamortized  such that the Monthly
Payment is  recalculated  as an amount that will fully  amortize  the  remaining
Stated  Principal  Balance  thereof by the original  Maturity  Date based on the
original  Mortgage  Rate;  provided,  that  such  re-amortization  shall  not be
permitted if it would  constitute a reissuance  of the Mortgage Loan for federal
income  tax  purposes,  except  if such  reissuance  is  described  in  Treasury
Regulation Section 1.860G-2(b)(3).

(b) The Master  Servicer  shall  establish  and maintain a Custodial  Account in
which the Master  Servicer  shall  deposit or cause to be  deposited  on a daily
basis, except as otherwise  specifically provided herein, the following payments
and  collections  remitted by  Subservicers  or received by it in respect of the
Mortgage  Loans  subsequent  to the  Cut-off  Date  (other  than in  respect  of
principal and interest on the Mortgage Loans due on or before the Cut-off Date):

                                       47
<PAGE>

(i)     All payments on account of principal,  including  Principal  Prepayments
        made by Mortgagors on the Mortgage Loans and the principal  component of
        any  Subservicer  Advance or of any REO Proceeds  received in connection
        with an REO Property for which an REO Disposition has occurred;

(ii)    All payments on account of interest at the Adjusted Mortgage Rate on the
        Mortgage  Loans,  including  Buydown  Funds,  if any,  and the  interest
        component of any Subservicer  Advance or of any REO Proceeds received in
        connection  with  an REO  Property  for  which  an REO  Disposition  has
        occurred;

(iii)Insurance Proceeds,  Subsequent Recoveries and Liquidation Proceeds (net of
     any related expenses of the Subservicer);

(iv)    All proceeds of any Mortgage Loans  purchased  pursuant to Section 2.02,
        2.03,  2.04  or  4.07  and  all  amounts  required  to be  deposited  in
        connection with the substitution of a Qualified Substitute Mortgage Loan
        pursuant to Section 2.03 or 2.04;

(v)  Any amounts required to be deposited pursuant to Section 3.07(c) or 3.21;

(vi) All  amounts  transferred  from the  Certificate  Account to the  Custodial
     Account in accordance with Section 4.02(a);

(vii)Any  amounts  realized  by the  Subservicer  and  received  by  the  Master
     Servicer in respect of any Additional Collateral; and

(viii) Any amounts received by the Master Servicer in respect of Pledged Assets.

The  foregoing  requirements  for  deposit  in the  Custodial  Account  shall be
exclusive,  it being understood and agreed that, without limiting the generality
of the foregoing, payments on the Mortgage Loans which are not part of the Trust
Fund  (consisting  of  payments  in respect of  principal  and  interest  on the
Mortgage Loans due on or before the Cut-off Date) and payments or collections in
the nature of prepayment  charges or late payment charges or assumption fees may
but need not be deposited by the Master  Servicer in the Custodial  Account.  In
the event any amount not required to be deposited in the Custodial Account is so
deposited,  the Master  Servicer may at any time  withdraw  such amount from the
Custodial  Account,  any provision herein to the contrary  notwithstanding.  The
Custodial  Account  may  contain  funds that  belong to one or more trust  funds
created for mortgage  pass-through  certificates of other series and may contain
other  funds  respecting  payments  on mortgage  loans  belonging  to the Master
Servicer  or   serviced   or  master   serviced  by  it  on  behalf  of  others.
Notwithstanding  such  commingling  of funds,  the  Master  Servicer  shall keep
records that  accurately  reflect the funds on deposit in the Custodial  Account
that have been identified by it as being attributable to the Mortgage Loans.

        With respect to Insurance Proceeds,  Liquidation Proceeds,  REO Proceeds
and the proceeds of the purchase of any Mortgage Loan pursuant to Sections 2.02,
2.03,  2.04 and 4.07  received in any calendar  month,  the Master  Servicer may
elect to treat such amounts as included in the Available Distribution Amount for
the Distribution Date in the month of receipt, but is not obligated to do so. If
the Master Servicer so elects, such amounts will be deemed to have been received
(and any related Realized Loss shall be deemed to have occurred) on the last day
of the month prior to the receipt thereof.

                                       48
<PAGE>

(c) The Master  Servicer  shall use its best  efforts  to cause the  institution
maintaining the Custodial  Account to invest the funds in the Custodial  Account
attributable to the Mortgage Loans in Permitted  Investments  which shall mature
not later than the  Certificate  Account Deposit Date next following the date of
such investment (with the exception of the Amount Held for Future  Distribution)
and which shall not be sold or disposed of prior to their maturities. All income
and gain  realized  from any such  investment  shall be for the  benefit  of the
Master Servicer as additional servicing compensation and shall be subject to its
withdrawal  or order from time to time.  The amount of any  losses  incurred  in
respect of any such  investments  attributable  to the  investment of amounts in
respect of the Mortgage Loans shall be deposited in the Custodial Account by the
Master Servicer out of its own funds  immediately as realized  without any right
of reimbursement.

(d) The Master  Servicer shall give notice to the Trustee and the Company of any
change  in the  location  of the  Custodial  Account  and  the  location  of the
Certificate Account prior to the use thereof.

Section 3.08.  Subservicing Accounts; Servicing Accounts.

(a) In those cases where a Subservicer  is servicing a Mortgage Loan pursuant to
a  Subservicing  Agreement,  the Master  Servicer  shall cause the  Subservicer,
pursuant to the  Subservicing  Agreement,  to establish and maintain one or more
Subservicing  Accounts which shall be an Eligible Account or, if such account is
not an Eligible Account, shall generally satisfy the requirements of the Program
Guide and be otherwise acceptable to the Master Servicer and each Rating Agency.
The  Subservicer  will be  required  thereby  to deposit  into the  Subservicing
Account  on a daily  basis  all  proceeds  of  Mortgage  Loans  received  by the
Subservicer,  less its Subservicing Fees and unreimbursed advances and expenses,
to the extent  permitted  by the  Subservicing  Agreement.  If the  Subservicing
Account is not an Eligible Account,  the Master Servicer shall be deemed to have
received such monies upon receipt  thereof by the  Subservicer.  The Subservicer
shall not be  required  to  deposit  in the  Subservicing  Account  payments  or
collections  in the nature of  prepayment  charges or late charges or assumption
fees.  On or before the date  specified  in the Program  Guide,  but in no event
later  than  the  Determination  Date,  the  Master  Servicer  shall  cause  the
Subservicer,  pursuant  to the  Subservicing  Agreement,  to remit to the Master
Servicer for deposit in the Custodial Account all funds held in the Subservicing
Account with respect to each Mortgage Loan serviced by such Subservicer that are
required to be remitted to the Master  Servicer.  The  Subservicer  will also be
required,  pursuant to the Subservicing  Agreement, to advance on such scheduled
date of  remittance  amounts  equal to any  scheduled  monthly  installments  of
principal  and interest  less its  Subservicing  Fees on any Mortgage  Loans for
which payment was not received by the  Subservicer.  This  obligation to advance
with respect to each  Mortgage  Loan will continue up to and including the first
of the month following the date on which the related Mortgaged  Property is sold
at a  foreclosure  sale  or is  acquired  by the  Trust  Fund by deed in lieu of
foreclosure  or  otherwise.  All such advances  received by the Master  Servicer
shall be deposited promptly by it in the Custodial Account.

                                       49
<PAGE>

(b)  The  Subservicer  may  also  be  required,  pursuant  to  the  Subservicing
Agreement,  to remit to the Master Servicer for deposit in the Custodial Account
interest at the Adjusted  Mortgage  Rate (or Modified Net Mortgage Rate plus the
rate per annum at which the  Servicing  Fee  accrues  in the case of a  Modified
Mortgage Loan) on any Curtailment  received by such  Subservicer in respect of a
Mortgage Loan from the related  Mortgagor during any month that is to be applied
by the  Subservicer  to reduce  the  unpaid  principal  balance  of the  related
Mortgage Loan as of the first day of such month, from the date of application of
such  Curtailment to the first day of the following month. Any amounts paid by a
Subservicer  pursuant to the preceding  sentence shall be for the benefit of the
Master Servicer as additional servicing compensation and shall be subject to its
withdrawal or order from time to time pursuant to Sections 3.10(a)(iv) and (v).

(c) In addition to the Custodial Account and the Certificate Account, the Master
Servicer  shall  for any  Nonsubserviced  Mortgage  Loan,  and  shall  cause the
Subservicers  for Subserviced  Mortgage Loans to,  establish and maintain one or
more Servicing  Accounts and deposit and retain therein all collections from the
Mortgagors   (or  advances  from   Subservicers)   for  the  payment  of  taxes,
assessments,  hazard insurance premiums,  Primary Insurance Policy premiums,  if
applicable,  or  comparable  items  for  the  account  of the  Mortgagors.  Each
Servicing Account shall satisfy the requirements for a Subservicing Account and,
to the extent  permitted by the Program  Guide or as is otherwise  acceptable to
the Master Servicer, may also function as a Subservicing Account. Withdrawals of
amounts  related to the Mortgage  Loans from the Servicing  Accounts may be made
only to effect timely payment of taxes, assessments,  hazard insurance premiums,
Primary  Insurance  Policy  premiums,  if applicable,  or comparable  items,  to
reimburse the Master Servicer or Subservicer out of related  collections for any
payments made  pursuant to Sections 3.11 (with respect to the Primary  Insurance
Policy)  and  3.12(a)  (with  respect  to  hazard  insurance),  to refund to any
Mortgagors  any sums as may be  determined to be overages,  to pay interest,  if
required,  to Mortgagors  on balances in the  Servicing  Account or to clear and
terminate  the  Servicing  Account  at the  termination  of  this  Agreement  in
accordance with Section 9.01 or in accordance with the Program Guide. As part of
its servicing  duties,  the Master Servicer shall,  and the  Subservicers  will,
pursuant to the  Subservicing  Agreements,  be required to pay to the Mortgagors
interest on funds in this account to the extent required by law.

(d) The Master Servicer shall advance the payments  referred to in the preceding
subsection  that  are not  timely  paid by the  Mortgagors  or  advanced  by the
Subservicers  on the date when the tax,  premium  or other  cost for which  such
payment is  intended  is due,  but the Master  Servicer  shall be required so to
advance only to the extent that such advances, in the good faith judgment of the
Master  Servicer,  will be recoverable  by the Master  Servicer out of Insurance
Proceeds, Liquidation Proceeds or otherwise.

Section 3.09.  Access to Certain Documentation and
                      Information Regarding the Mortgage Loans.
                      ----------------------------------------

        If   compliance   with  this  Section  3.09  shall  make  any  Class  of
Certificates  legal  for  investment  by  federally  insured  savings  and  loan
associations,  the Master Servicer shall provide,  or cause the  Subservicers to
provide,  to the Trustee,  the Office of Thrift  Supervision or the FDIC and the
supervisory  agents and examiners thereof access to the documentation  regarding
the Mortgage  Loans  required by applicable  regulations of the Office of Thrift

                                       50
<PAGE>

Supervision,  such access being afforded without charge but only upon reasonable
request and during normal business hours at the offices designated by the Master
Servicer. The Master Servicer shall permit such representatives to photocopy any
such  documentation  and shall  provide  equipment  for that purpose at a charge
reasonably approximating the cost of such photocopying to the Master Servicer.

Section 3.10.  Permitted Withdrawals from the Custodial Account.

(a) The  Master  Servicer  may,  from  time to time  as  provided  herein,  make
withdrawals from the Custodial Account of amounts on deposit therein pursuant to
Section  3.07 that are  attributable  to the  Mortgage  Loans for the  following
purposes:

(i)  to make  deposits  into the  Certificate  Account in the amounts and in the
     manner provided for in Section 4.01;

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

(iii)to pay to itself or the related  Subservicer (if not previously retained by
     such  Subservicer)  out of each payment  received by the Master Servicer on
     account of interest on a Mortgage Loan as contemplated by Sections 3.14 and
     3.16, an amount equal to that  remaining  portion of any such payment as to
     interest (but not in excess of the Servicing Fee and the Subservicing  Fee,
     if not  previously  retained)  which,  when  deducted,  will  result in the
     remaining  amount of such interest  being interest at the Net Mortgage Rate
     (or Modified Net Mortgage Rate in the case of a Modified  Mortgage Loan) on
     the amount specified in the  amortization  schedule of the related Mortgage
     Loan as the  principal  balance  thereof  at the  beginning  of the  period
     respecting which such interest was paid after giving effect to any previous
     Curtailments;

(iv)    to pay to itself as additional  servicing  compensation  any interest or
        investment  income  earned on funds and other  property  deposited in or
        credited  to the  Custodial  Account  that it is  entitled  to  withdraw
        pursuant to Section 3.07(c);

(v)     to pay to itself as additional  servicing  compensation  any Foreclosure
        Profits,  any amounts remitted by Subservicers as interest in respect of
        Curtailments  pursuant to Section  3.08(b),  and any  amounts  paid by a
        Mortgagor in connection  with a Principal  Prepayment in Full in respect
        of  interest  for any  period  during the  calendar  month in which such
        Principal   Prepayment   in   Full   is  to  be   distributed   to   the
        Certificateholders;

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<PAGE>

(vi)    to pay to itself,  a Subservicer,  a Seller,  Residential  Funding,  the
        Company  or any  other  appropriate  Person,  as the case  may be,  with
        respect to each  Mortgage Loan or property  acquired in respect  thereof
        that has been  purchased  or otherwise  transferred  pursuant to Section
        2.02,  2.03,  2.04, 4.07 or 9.01, all amounts  received  thereon and not
        required to be distributed to the  Certificateholders  as of the date on
        which  the  related  Stated  Principal  Balance  or  Purchase  Price  is
        determined;

(vii)   to reimburse  itself or the related  Subservicer for any  Nonrecoverable
        Advance  or  Advances  in  the  manner  and to the  extent  provided  in
        subsection (c) below, any Advance made in connection with a modification
        of a Mortgage  Loan that is in default or, in the judgment of the Master
        Servicer, default is reasonably foreseeable pursuant to Section 3.07(a),
        to  the  extent  the  amount  of  the  Advance  has  been  added  to the
        outstanding  principal  balance of the  Mortgage  Loan,  or any  Advance
        reimbursable to the Master Servicer pursuant to Section 4.02(a);

(viii)  to  reimburse  itself  or  the  Company  for  expenses  incurred  by and
        reimbursable to it or the Company  pursuant to Sections  3.01(a),  3.11,
        3.13,  3.14(c),  6.03,  10.01  or  otherwise,   or  in  connection  with
        enforcing,   in  accordance   with  this   Agreement,   any  repurchase,
        substitution or indemnification  obligation of any Seller (other than an
        Affiliate of the Company) pursuant to the related Seller's Agreement;

(ix)    to reimburse itself for Servicing  Advances  expended by it (a) pursuant
        to Section  3.14 in good faith in  connection  with the  restoration  of
        property  damaged by an Uninsured  Cause, and (b) in connection with the
        liquidation  of a Mortgage Loan or disposition of an REO Property to the
        extent not otherwise reimbursed pursuant to clause (ii) or (viii) above;
        and

(x)  to withdraw  any amount  deposited  in the  Custodial  Account that was not
     required to be deposited therein pursuant to Section 3.07.

(b) Since, in connection with withdrawals  pursuant to clauses (ii),  (iii), (v)
and (vi), the Master Servicer's entitlement thereto is limited to collections or
other  recoveries on the related  Mortgage Loan, the Master  Servicer shall keep
and maintain separate accounting, on a Mortgage Loan by Mortgage Loan basis, for
the purpose of justifying any withdrawal from the Custodial  Account pursuant to
such clauses.

(c) The Master  Servicer  shall be entitled to  reimburse  itself or the related
Subservicer  for any advance made in respect of a Mortgage  Loan that the Master
Servicer  determines  to be a  Nonrecoverable  Advance  by  withdrawal  from the
Custodial  Account of amounts on deposit  therein  attributable  to the Mortgage
Loans  on any  Certificate  Account  Deposit  Date  succeeding  the date of such
determination.  Such  right of  reimbursement  in  respect  of a  Nonrecoverable
Advance  on any such  Certificate  Account  Deposit  Date shall be limited to an
amount  not   exceeding  the  portion  of  such  advance   previously   paid  to
Certificateholders (and not theretofore reimbursed to the Master Servicer or the
related Subservicer).

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<PAGE>

Section 3.11.  Maintenance of the Primary Insurance
                      Policies; Collections Thereunder.

(a) The Master  Servicer shall not take, or permit any  Subservicer to take, any
action which would result in non-coverage under any applicable Primary Insurance
Policy  of any  loss  which,  but for the  actions  of the  Master  Servicer  or
Subservicer,  would have been  covered  thereunder.  To the extent  coverage  is
available,  the Master Servicer shall keep or cause to be kept in full force and
effect each such Primary  Insurance  Policy until the  principal  balance of the
related Mortgage Loan secured by a Mortgaged  Property is reduced to 80% or less
of  the  Appraised  Value  in  the  case  of  such  a  Mortgage  Loan  having  a
Loan-to-Value  Ratio at origination in excess of 80%, provided that such Primary
Insurance  Policy  was in  place as of the  Cut-off  Date  and the  Company  had
knowledge  of such  Primary  Insurance  Policy.  The  Master  Servicer  shall be
entitled to cancel or permit the discontinuation of any Primary Insurance Policy
as to any Mortgage Loan, if the Stated Principal Balance of the Mortgage Loan is
reduced  below an  amount  equal to 80% of the  appraised  value of the  related
Mortgaged  Property as  determined  in any  appraisal  thereof after the Closing
Date,  or if the  Loan-to-Value  Ratio  is  reduced  below  80% as a  result  of
principal  payments on the Mortgage  Loan after the Closing  Date.  In the event
that the Company  gains  knowledge  that as of the Closing Date, a Mortgage Loan
had a Loan-to-Value Ratio at origination in excess of 80% and is not the subject
of a Primary  Insurance  Policy (and was not  included in any  exception  to the
representation in Section 2.03(b)(iv)) and that such Mortgage Loan has a current
Loan-to-Value  Ratio in excess  of 80% then the  Master  Servicer  shall use its
reasonable  efforts to obtain and  maintain  a Primary  Insurance  Policy to the
extent  that such a policy is  obtainable  at a  reasonable  price.  The  Master
Servicer shall not cancel or refuse to renew any such Primary  Insurance  Policy
applicable to a  Nonsubserviced  Mortgage  Loan,  or consent to any  Subservicer
canceling or refusing to renew any such Primary Insurance Policy applicable to a
Mortgage  Loan  subserviced  by it, that is in effect at the date of the initial
issuance  of the  Certificates  and is  required  to be kept in force  hereunder
unless the replacement Primary Insurance Policy for such canceled or non-renewed
policy is maintained with an insurer whose  claims-paying  ability is acceptable
to each Rating  Agency for mortgage  pass-through  certificates  having a rating
equal to or better  than the  lower of the  then-current  rating  or the  rating
assigned to the Certificates as of the Closing Date by such Rating Agency.

(b) In  connection  with its  activities  as  administrator  and servicer of the
Mortgage  Loans,  the Master  Servicer agrees to present or to cause the related
Subservicer to present,  on behalf of the Master Servicer,  the Subservicer,  if
any, the Trustee and Certificateholders, claims to the related Insurer under any
Primary Insurance Policies, in a timely manner in accordance with such policies,
and,  in this  regard,  to take or cause to be taken such  reasonable  action as
shall be  necessary  to permit  recovery  under any Primary  Insurance  Policies
respecting  defaulted  Mortgage  Loans.  Pursuant to Section 3.07, any Insurance
Proceeds  collected  by or  remitted  to the Master  Servicer  under any Primary
Insurance  Policies  shall be deposited  in the  Custodial  Account,  subject to
withdrawal pursuant to Section 3.10.

Section 3.12.  Maintenance of Fire Insurance and
                      Omissions and Fidelity Coverage.

(a) The Master  Servicer  shall cause to be  maintained  for each  Mortgage Loan
(other than a Cooperative  Loan) fire  insurance  with  extended  coverage in an
amount  which is equal to the  lesser  of the  principal  balance  owing on such
Mortgage  Loan  or 100  percent  of the  insurable  value  of the  improvements;

                                       53
<PAGE>

provided,  however,  that such coverage may not be less than the minimum  amount
required to fully compensate for any loss or damage on a replacement cost basis.
To the extent it may do so without breaching the related Subservicing Agreement,
the Master  Servicer  shall  replace  any  Subservicer  that does not cause such
insurance, to the extent it is available, to be maintained.  The Master Servicer
shall also cause to be maintained on property acquired upon foreclosure, or deed
in lieu of  foreclosure,  of any Mortgage Loan (other than a Cooperative  Loan),
fire  insurance  with extended  coverage in an amount which is at least equal to
the  amount  necessary  to avoid  the  application  of any  co-insurance  clause
contained in the related hazard insurance policy.  Pursuant to Section 3.07, any
amounts  collected by the Master  Servicer  under any such policies  (other than
amounts to be  applied to the  restoration  or repair of the  related  Mortgaged
Property  or property  thus  acquired or amounts  released to the  Mortgagor  in
accordance with the Master  Servicer's  normal  servicing  procedures)  shall be
deposited in the Custodial  Account,  subject to withdrawal  pursuant to Section
3.10. Any cost incurred by the Master Servicer in maintaining any such insurance
shall  not,  for  the  purpose  of  calculating  monthly  distributions  to  the
Certificateholders,  be added to the  amount  owing  under  the  Mortgage  Loan,
notwithstanding  that the terms of the Mortgage Loan so permit. Such costs shall
be  recoverable  by the Master  Servicer  out of related  late  payments  by the
Mortgagor or out of Insurance  Proceeds and  Liquidation  Proceeds to the extent
permitted by Section  3.10.  It is  understood  and agreed that no earthquake or
other  additional  insurance is to be required of any Mortgagor or maintained on
property  acquired  in respect of a Mortgage  Loan other than  pursuant  to such
applicable  laws and  regulations  as shall at any time be in force and as shall
require such additional insurance. Whenever the improvements securing a Mortgage
Loan (other than a Cooperative  Loan) are located at the time of  origination of
such Mortgage  Loan in a federally  designated  special  flood hazard area,  the
Master  Servicer  shall cause flood  insurance  (to the extent  available) to be
maintained in respect thereof.  Such flood insurance shall be in an amount equal
to the lesser of (i) the amount required to compensate for any loss or damage to
the Mortgaged  Property on a replacement  cost basis and (ii) the maximum amount
of such  insurance  available  for the  related  Mortgaged  Property  under  the
national flood insurance program (assuming that the area in which such Mortgaged
Property is located is participating in such program).

        If the  Master  Servicer  shall  obtain  and  maintain  a  blanket  fire
insurance policy with extended coverage insuring against hazard losses on all of
the  Mortgage  Loans,  it shall  conclusively  be deemed to have  satisfied  its
obligations as set forth in the first sentence of this Section 3.12(a), it being
understood and agreed that such policy may contain a deductible clause, in which
case the Master  Servicer  shall,  in the event  that there  shall not have been
maintained on the related  Mortgaged  Property a policy complying with the first
sentence  of this  Section  3.12(a) and there shall have been a loss which would
have been covered by such policy,  deposit in the Certificate Account the amount
not  otherwise  payable  under the  blanket  policy  because of such  deductible
clause. Any such deposit by the Master Servicer shall be made on the Certificate
Account  Deposit Date next preceding the  Distribution  Date which occurs in the
month  following  the month in which  payments  under any such policy would have
been deposited in the Custodial  Account.  In connection  with its activities as
administrator  and servicer of the Mortgage Loans, the Master Servicer agrees to
present,  on behalf of itself,  the Trustee and the  Certificateholders,  claims
under any such blanket policy.

                                       54
<PAGE>

(b) The Master Servicer shall obtain and maintain at its own expense and keep in
full force and effect  throughout the term of this Agreement a blanket  fidelity
bond and an errors and omissions insurance policy covering the Master Servicer's
officers and employees and other persons acting on behalf of the Master Servicer
in connection with its activities  under this Agreement.  The amount of coverage
shall be at least equal to the coverage  that would be required by Fannie Mae or
Freddie Mac,  whichever is greater,  with respect to the Master  Servicer if the
Master Servicer were servicing and  administering  the Mortgage Loans for Fannie
Mae or Freddie  Mac.  In the event that any such bond or policy  ceases to be in
effect, the Master Servicer shall obtain a comparable replacement bond or policy
from an issuer or insurer, as the case may be, meeting the requirements, if any,
of the  Program  Guide and  acceptable  to the  Company.  Coverage of the Master
Servicer under a policy or bond obtained by an Affiliate of the Master  Servicer
and  providing the coverage  required by this Section  3.12(b) shall satisfy the
requirements of this Section 3.12(b).

Section 3.13.  Enforcement of Due-on-Sale Clauses; Assumption and
                      Modification Agreements; Certain Assignments.
                      ---------------------------------------------

(a) When any  Mortgaged  Property  is  conveyed  by the  Mortgagor,  the  Master
Servicer or  Subservicer,  to the extent it has  knowledge  of such  conveyance,
shall enforce any due-on-sale clause contained in any Mortgage Note or Mortgage,
to the extent permitted under applicable law and governmental  regulations,  but
only to the extent that such enforcement will not adversely affect or jeopardize
coverage under any Required Insurance Policy. Notwithstanding the foregoing:

(i)     the  Master  Servicer  shall not be deemed to be in  default  under this
        Section 3.13(a) by reason of any transfer or assumption which the Master
        Servicer is restricted by law from preventing; and

(ii)    if the Master Servicer  determines that it is reasonably likely that any
        Mortgagor will bring,  or if any Mortgagor  does bring,  legal action to
        declare invalid or otherwise avoid  enforcement of a due-on-sale  clause
        contained in any Mortgage Note or Mortgage,  the Master  Servicer  shall
        not be  required to enforce the  due-on-sale  clause or to contest  such
        action.

(b) Subject to the Master  Servicer's duty to enforce any due-on-sale  clause to
the  extent  set  forth in  Section  3.13(a),  in any case in which a  Mortgaged
Property  is to be conveyed  to a Person by a  Mortgagor,  and such Person is to
enter into an assumption or modification agreement or supplement to the Mortgage
Note  or  Mortgage  which  requires  the  signature  of  the  Trustee,  or if an
instrument of release signed by the Trustee is required  releasing the Mortgagor
from liability on the Mortgage Loan, the Master Servicer is authorized,  subject
to the requirements of the sentence next following,  to execute and deliver,  on
behalf of the  Trustee,  the  assumption  agreement  with the Person to whom the
Mortgaged  Property  is  to be  conveyed  and  such  modification  agreement  or
supplement  to the  Mortgage  Note  or  Mortgage  or  other  instruments  as are
reasonable  or necessary to carry out the terms of the Mortgage Note or Mortgage
or otherwise to comply with any  applicable  laws  regarding  assumptions or the
transfer of the Mortgaged Property to such Person;  provided,  however,  none of
such terms and requirements  shall either (i) both (A) constitute a "significant
modification"  effecting an exchange or  reissuance  of such Mortgage Loan under
the REMIC  Provisions  and (B) cause any portion of any REMIC  formed  under the
Series  Supplement  to fail to qualify as a REMIC  under the Code or (subject to
Section  10.01(f)),   result  in  the  imposition  of  any  tax  on  "prohibited
transactions" or (ii) constitute  "contributions"  after the start-up date under
the REMIC  Provisions.  The Master  Servicer  shall  execute  and  deliver  such
documents only if it reasonably  determines  that (i) its execution and delivery
thereof will not conflict  with or violate any terms of this  Agreement or cause

                                       55
<PAGE>

the unpaid  balance and interest on the  Mortgage  Loan to be  uncollectible  in
whole or in part,  (ii) any  required  consents of insurers  under any  Required
Insurance Policies have been obtained and (iii) subsequent to the closing of the
transaction  involving  the  assumption  or transfer (A) the Mortgage  Loan will
continue  to be secured by a first  mortgage  lien  pursuant to the terms of the
Mortgage,  (B) such transaction will not adversely affect the coverage under any
Required Insurance Policies,  (C) the Mortgage Loan will fully amortize over the
remaining term thereof, (D) no material term of the Mortgage Loan (including the
interest  rate on the  Mortgage  Loan) will be altered  nor will the term of the
Mortgage  Loan be  changed  and (E) if the  seller/transferor  of the  Mortgaged
Property is to be released  from  liability on the Mortgage  Loan,  such release
will  not  (based  on  the  Master   Servicer's  or  Subservicer's   good  faith
determination)  adversely affect the  collectability  of the Mortgage Loan. Upon
receipt of appropriate  instructions from the Master Servicer in accordance with
the  foregoing,  the Trustee shall execute any  necessary  instruments  for such
assumption  or  substitution  of  liability as directed in writing by the Master
Servicer.  Upon the closing of the transactions  contemplated by such documents,
the Master  Servicer shall cause the originals or true and correct copies of the
assumption agreement, the release (if any), or the modification or supplement to
the Mortgage  Note or Mortgage to be  delivered to the Trustee or the  Custodian
and deposited  with the Mortgage File for such Mortgage  Loan. Any fee collected
by the  Master  Servicer  or  such  related  Subservicer  for  entering  into an
assumption or substitution of liability agreement will be retained by the Master
Servicer or such Subservicer as additional servicing compensation.

(c) The Master Servicer or the related Subservicer, as the case may be, shall be
entitled  to approve a request  from a  Mortgagor  for a partial  release of the
related  Mortgaged  Property,  the  granting of an easement  thereon in favor of
another Person,  any alteration or demolition of the related Mortgaged  Property
(or,  with respect to a Cooperative  Loan,  the related  Cooperative  Apartment)
without  any  right  of  reimbursement  or  other  similar  matters  if  it  has
determined, exercising its good faith business judgment in the same manner as it
would if it were the owner of the related  Mortgage Loan, that the security for,
and the timely  and full  collectability  of,  such  Mortgage  Loan would not be
adversely  affected  thereby and that any portion of any REMIC  formed under the
Series  Supplement  would not fail to  continue  to qualify as a REMIC under the
Code as a result  thereof  and  (subject  to  Section  10.01(f))  that no tax on
"prohibited  transactions"  or  "contributions"  after the  startup day would be
imposed on any such REMIC as a result  thereof.  Any fee collected by the Master
Servicer  or the  related  Subservicer  for  processing  such a request  will be
retained by the Master  Servicer or such  Subservicer  as  additional  servicing
compensation.

(d) Subject to any other applicable terms and conditions of this Agreement,  the
Trustee and Master  Servicer  shall be entitled to approve an assignment in lieu
of  satisfaction  with respect to any Mortgage  Loan,  provided the obligee with
respect to such Mortgage Loan  following such proposed  assignment  provides the
Trustee and Master  Servicer  with a "Lender  Certification  for  Assignment  of
Mortgage  Loan" in the form attached  hereto as Exhibit M, in form and substance
satisfactory to the Trustee and Master  Servicer,  providing the following:  (i)
that the substance of the assignment is, and is intended to be, a refinancing of

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<PAGE>

such  Mortgage;  (ii) that the Mortgage Loan  following the proposed  assignment
will have a rate of  interest at least 0.25  percent  below or above the rate of
interest on such Mortgage Loan prior to such proposed assignment; and (iii) that
such  assignment  is at the request of the borrower  under the related  Mortgage
Loan. Upon approval of an assignment in lieu of satisfaction with respect to any
Mortgage Loan, the Master  Servicer shall receive cash in an amount equal to the
unpaid  principal  balance of and accrued interest on such Mortgage Loan and the
Master  Servicer shall treat such amount as a Principal  Prepayment in Full with
respect to such Mortgage Loan for all purposes hereof.

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

(a) The Master  Servicer shall  foreclose upon or otherwise  comparably  convert
(which may include an REO Acquisition) the ownership of properties securing such
of the  Mortgage  Loans as come into and  continue in default and as to which no
satisfactory  arrangements  can be made for  collection of  delinquent  payments
pursuant  to  Section  3.07.  In  connection  with  such  foreclosure  or  other
conversion, the Master Servicer shall, consistent with Section 3.11, follow such
practices and  procedures as it shall deem  necessary or advisable,  as shall be
normal and usual in its general  mortgage  servicing  activities and as shall be
required or permitted by the Program  Guide;  provided that the Master  Servicer
shall not be liable in any respect hereunder if the Master Servicer is acting in
connection  with any such  foreclosure  or other  conversion in a manner that is
consistent with the provisions of this Agreement. The Master Servicer,  however,
shall not be  required  to  expend  its own  funds or incur  other  reimbursable
charges in connection with any foreclosure,  or attempted  foreclosure  which is
not  completed,  or towards  the  restoration  of any  property  unless it shall
determine  (i) that  such  restoration  and/or  foreclosure  will  increase  the
proceeds of liquidation of the Mortgage Loan to Holders of  Certificates  of one
or more Classes after  reimbursement  to itself for such expenses or charges and
(ii) that such expenses or charges will be recoverable to it through Liquidation
Proceeds,  Insurance Proceeds,  or REO Proceeds  (respecting which it shall have
priority for purposes of  withdrawals  from the  Custodial  Account  pursuant to
Section 3.10, whether or not such expenses and charges are actually  recoverable
from related Liquidation Proceeds,  Insurance Proceeds or REO Proceeds).  In the
event of such a determination  by the Master  Servicer  pursuant to this Section
3.14(a),  the Master Servicer shall be entitled to reimbursement of such amounts
pursuant to Section 3.10.

               In addition to the foregoing,  the Master  Servicer shall use its
best  reasonable  efforts to realize upon any Additional  Collateral for such of
the Additional  Collateral  Loans as come into and continue in default and as to
which no  satisfactory  arrangements  can be made for  collection  of delinquent
payments pursuant to Section 3.07;  provided that the Master Servicer shall not,
on behalf of the Trustee,  obtain title to any such  Additional  Collateral as a
result of or in lieu of the  disposition  thereof  or  otherwise;  and  provided
further  that (i) the Master  Servicer  shall not proceed  with  respect to such
Additional  Collateral  in any manner  that would  impair the ability to recover
against the  related  Mortgaged  Property,  and (ii) the Master  Servicer  shall
proceed with any REO Acquisition in a manner that preserves the ability to apply
the  proceeds  of such  Additional  Collateral  against  amounts  owed under the
defaulted  Mortgage Loan. Any proceeds realized from such Additional  Collateral
(other than amounts to be released to the Mortgagor or the related  guarantor in

                                       57
<PAGE>

accordance  with  procedures  that the Master Servicer would follow in servicing
loans  held for its own  account,  subject  to the terms and  conditions  of the
related  Mortgage  and  Mortgage  Note and to the  terms and  conditions  of any
security agreement,  guarantee agreement,  mortgage or other agreement governing
the  disposition  of the  proceeds  of  such  Additional  Collateral)  shall  be
deposited in the Custodial  Account,  subject to withdrawal  pursuant to Section
3.10.  Any other  payment  received  by the Master  Servicer  in respect of such
Additional  Collateral  shall be deposited in the Custodial  Account  subject to
withdrawal pursuant to Section 3.10.

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

               Concurrently  with the foregoing,  the Master Servicer may pursue
any  remedies  that  may  be  available  in  connection   with  a  breach  of  a
representation and warranty with respect to any such Mortgage Loan in accordance
with Sections  2.03 and 2.04.  However,  the Master  Servicer is not required to
continue to pursue both  foreclosure  (or similar  remedies) with respect to the
Mortgage Loans and remedies in connection with a breach of a representation  and
warranty if the Master Servicer determines in its reasonable discretion that one
such  remedy is more likely to result in a greater  recovery as to the  Mortgage
Loan. Upon the occurrence of a Cash  Liquidation or REO  Disposition,  following
the deposit in the  Custodial  Account of all  Insurance  Proceeds,  Liquidation
Proceeds and other  payments and  recoveries  referred to in the  definition  of
"Cash  Liquidation"  or "REO  Disposition,"  as applicable,  upon receipt by the
Trustee of written  notification of such deposit signed by a Servicing  Officer,
the Trustee or any  Custodian,  as the case may be, shall  release to the Master
Servicer the related  Mortgage  File and the Trustee  shall  execute and deliver
such instruments of transfer or assignment  prepared by the Master Servicer,  in
each case without recourse, as shall be necessary to vest in the Master Servicer
or its designee,  as the case may be, the related  Mortgage Loan, and thereafter
such  Mortgage  Loan shall not be part of the Trust  Fund.  Notwithstanding  the
foregoing or any other  provision of this  Agreement,  in the Master  Servicer's
sole discretion  with respect to any defaulted  Mortgage Loan or REO Property as

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<PAGE>

to either of the following provisions, (i) a Cash Liquidation or REO Disposition
may be deemed to have  occurred if  substantially  all  amounts  expected by the
Master Servicer to be received in connection with the related defaulted Mortgage
Loan or REO Property have been  received,  and (ii) for purposes of  determining
the amount of any Liquidation Proceeds,  Insurance Proceeds, REO Proceeds or any
other  unscheduled  collections  or the amount of any Realized  Loss, the Master
Servicer may take into account minimal amounts of additional  receipts  expected
to be received or any estimated  additional  liquidation expenses expected to be
incurred in connection with the related defaulted Mortgage Loan or REO Property.

(b) If title to any  Mortgaged  Property is acquired by the Trust Fund as an REO
Property  by  foreclosure  or by  deed  in  lieu  of  foreclosure,  the  deed or
certificate  of sale shall be issued to the  Trustee or to its nominee on behalf
of  Certificateholders.  Notwithstanding  any  such  acquisition  of  title  and
cancellation  of the related  Mortgage Loan,  such REO Property shall (except as
otherwise expressly provided herein) be considered to be an Outstanding Mortgage
Loan held in the Trust Fund until such time as the REO  Property  shall be sold.
Consistent with the foregoing for purposes of all calculations hereunder so long
as such REO Property shall be considered to be an  Outstanding  Mortgage Loan it
shall be assumed that,  notwithstanding  that the indebtedness  evidenced by the
related  Mortgage  Note shall have been  discharged,  such Mortgage Note and the
related  amortization  schedule in effect at the time of any such acquisition of
title  (after  giving  effect  to  any  previous  Curtailments  and  before  any
adjustment  thereto by reason of any  bankruptcy  or similar  proceeding  or any
moratorium or similar waiver or grace period) remain in effect.

(c) If the Trust Fund  acquires  any REO  Property as  aforesaid or otherwise in
connection  with a default or imminent  default on a Mortgage  Loan,  the Master
Servicer on behalf of the Trust Fund shall  dispose of such REO Property as soon
as   practicable,   giving   due   consideration   to  the   interests   of  the
Certificateholders,  but in all cases  within three full years after the taxable
year of its acquisition by the Trust Fund for purposes of Section  860G(a)(8) of
the Code (or such shorter  period as may be  necessary  under  applicable  state
(including  any state in which such  property  is located)  law to maintain  the
status of any portion of any REMIC formed under the Series Supplement as a REMIC
under  applicable state law and avoid taxes resulting from such property failing
to be foreclosure property under applicable state law) or, at the expense of the
Trust Fund, request, more than 60 days before the day on which such grace period
would  otherwise  expire,  an extension  of such grace period  unless the Master
Servicer  (subject  to Section  10.01(f))  obtains for the Trustee an Opinion of
Counsel,  addressed to the Trustee and the Master  Servicer,  to the effect that
the  holding by the Trust Fund of such REO  Property  subsequent  to such period
will not  result in the  imposition  of taxes on  "prohibited  transactions"  as
defined in Section  860F of the Code or cause any REMIC  formed under the Series
Supplement to fail to qualify as a REMIC (for federal (or any  applicable  State
or  local)  income  tax  purposes)  at  any  time  that  any   Certificates  are
outstanding, in which case the Trust Fund may continue to hold such REO Property
(subject to any  conditions  contained in such  Opinion of Counsel).  The Master
Servicer shall be entitled to be reimbursed  from the Custodial  Account for any
costs  incurred in  obtaining  such  Opinion of Counsel,  as provided in Section
3.10.  Notwithstanding  any other provision of this  Agreement,  no REO Property

                                       59
<PAGE>

acquired by the Trust Fund shall be rented (or allowed to continue to be rented)
or otherwise used by or on behalf of the Trust Fund in such a manner or pursuant
to any terms  that  would (i) cause  such REO  Property  to fail to  qualify  as
"foreclosure  property" within the meaning of Section  860G(a)(8) of the Code or
(ii) subject the Trust Fund to the imposition of any federal income taxes on the
income earned from such REO  Property,  including any taxes imposed by reason of
Section 860G(c) of the Code,  unless the Master Servicer has agreed to indemnify
and hold  harmless  the Trust Fund with  respect to the  imposition  of any such
taxes.

(d) The  proceeds  of any Cash  Liquidation,  REO  Disposition  or  purchase  or
repurchase of any Mortgage Loan pursuant to the terms of this Agreement, as well
as any recovery resulting from a collection of Liquidation  Proceeds,  Insurance
Proceeds or REO Proceeds,  will be applied in the  following  order of priority:
first, to reimburse the Master Servicer or the related Subservicer in accordance
with Section  3.10(a)(ii);  second, to the  Certificateholders  to the extent of
accrued and unpaid  interest on the Mortgage  Loan,  and any related REO Imputed
Interest,  at the Net Mortgage  Rate (or the  Modified Net Mortgage  Rate in the
case of a Modified Mortgage Loan) to the Due Date prior to the Distribution Date
on which such amounts are to be distributed; third, to the Certificateholders as
a recovery of principal on the Mortgage Loan (or REO Property);  fourth,  to all
Servicing Fees and Subservicing  Fees payable therefrom (and the Master Servicer
and the Subservicer  shall have no claims for any  deficiencies  with respect to
such fees which result from the foregoing allocation); and fifth, to Foreclosure
Profits.

(e) In the event of a default on a Mortgage  Loan one or more of whose  obligors
is not a United States Person, in connection with any foreclosure or acquisition
of a deed in lieu of foreclosure  (together,  "foreclosure")  in respect of such
Mortgage Loan, the Master Servicer will cause  compliance with the provisions of
Treasury Regulation Section  1.1445-2(d)(3) (or any successor thereto) necessary
to assure that no withholding tax obligation arises with respect to the proceeds
of such  foreclosure  except  to the  extent,  if  any,  that  proceeds  of such
foreclosure are required to be remitted to the obligors on such Mortgage Loan.

Section 3.15.  Trustee to Cooperate; Release of Mortgage Files.
               -----------------------------------------------

(a) Upon becoming aware of the payment in full of any Mortgage Loan, or upon the
receipt by the Master  Servicer of a  notification  that payment in full will be
escrowed in a manner  customary  for such  purposes,  the Master  Servicer  will
immediately  notify the Trustee (if it holds the related  Mortgage  File) or the
Custodian by a certification of a Servicing Officer (which  certification  shall
include a statement to the effect that all amounts received or to be received in
connection with such payment which are required to be deposited in the Custodial
Account   pursuant  to  Section  3.07  have  been  or  will  be  so  deposited),
substantially  in one of the forms attached hereto as Exhibit F, or, in the case
of the Custodian,  an electronic  request in a form acceptable to the Custodian,
requesting  delivery to it of the Mortgage  File.  Within two  Business  Days of
receipt of such certification and request,  the Trustee shall release,  or cause
the Custodian to release, the related Mortgage File to the Master Servicer.  The
Master  Servicer  is  authorized  to execute and  deliver to the  Mortgagor  the
request for  reconveyance,  deed of  reconveyance  or release or satisfaction of
mortgage or such  instrument  releasing the lien of the Mortgage,  together with
the Mortgage Note with, as appropriate, written evidence of cancellation thereon
and to cause the removal  from the  registration  on the MERS(R)  System of such

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<PAGE>

Mortgage  and to  execute  and  deliver,  on  behalf  of  the  Trustee  and  the
Certificateholders  or any of them, any and all  instruments of  satisfaction or
cancellation or of partial or full release.  No expenses  incurred in connection
with any instrument of satisfaction or deed of reconveyance  shall be chargeable
to the Custodial Account or the Certificate Account.

(b) From time to time as is appropriate  for the servicing or foreclosure of any
Mortgage Loan, the Master  Servicer shall deliver to the Custodian,  with a copy
to the Trustee, a certificate of a Servicing Officer substantially in one of the
forms  attached  as  Exhibit F  hereto,  or,  in the case of the  Custodian,  an
electronic  request  in a form  acceptable  to the  Custodian,  requesting  that
possession  of all, or any document  constituting  part of, the Mortgage File be
released to the Master Servicer and certifying as to the reason for such release
and that such release will not  invalidate  any insurance  coverage  provided in
respect of the Mortgage Loan under any Required  Insurance Policy.  Upon receipt
of the foregoing,  the Trustee shall deliver, or cause the Custodian to deliver,
the Mortgage  File or any document  therein to the Master  Servicer.  The Master
Servicer  shall cause each Mortgage File or any document  therein so released to
be returned to the Trustee,  or the  Custodian as agent for the Trustee when the
need therefor by the Master  Servicer no longer exists,  unless (i) the Mortgage
Loan has been liquidated and the Liquidation  Proceeds  relating to the Mortgage
Loan have been  deposited in the Custodial  Account or (ii) the Mortgage File or
such  document  has been  delivered  directly  or  through a  Subservicer  to an
attorney,  or to a public  trustee or other public  official as required by law,
for purposes of initiating or pursuing legal action or other proceedings for the
foreclosure of the Mortgaged Property either judicially or  non-judicially,  and
the Master  Servicer  has  delivered  directly or through a  Subservicer  to the
Trustee a  certificate  of a  Servicing  Officer  certifying  as to the name and
address of the Person to which such Mortgage File or such document was delivered
and the purpose or purposes of such delivery. In the event of the liquidation of
a Mortgage  Loan, the Trustee shall deliver the Request for Release with respect
thereto to the Master Servicer upon deposit of the related Liquidation  Proceeds
in the Custodial Account.

(c) The Trustee or the Master Servicer on the Trustee's behalf shall execute and
deliver to the Master Servicer, if necessary, any court pleadings,  requests for
trustee's sale or other documents necessary to the foreclosure or trustee's sale
in respect of a  Mortgaged  Property  or to any legal  action  brought to obtain
judgment  against any  Mortgagor on the Mortgage Note or Mortgage or to obtain a
deficiency judgment,  or to enforce any other remedies or rights provided by the
Mortgage Note or Mortgage or otherwise  available at law or in equity.  Together
with such documents or pleadings (if signed by the Trustee), the Master Servicer
shall deliver to the Trustee a  certificate  of a Servicing  Officer  requesting
that such pleadings or documents be executed by the Trustee and certifying as to
the reason such  documents or pleadings  are required and that the execution and
delivery thereof by the Trustee will not invalidate any insurance coverage under
any Required  Insurance Policy or invalidate or otherwise affect the lien of the
Mortgage,  except  for the  termination  of such a lien upon  completion  of the
foreclosure or trustee's sale.

Section 3.16.  Servicing and Other Compensation; Compensating Interest.
               ---------------------------------------------------------

(a) The Master Servicer, as compensation for its activities hereunder,  shall be
entitled  to receive  on each  Distribution  Date the  amounts  provided  for by
clauses  (iii),  (iv),  (v) and (vi) of Section  3.10(a),  subject to clause (e)
below. The amount of servicing  compensation  provided for in such clauses shall
be accounted for on a Mortgage  Loan-by-Mortgage  Loan basis.  In the event that

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<PAGE>

Liquidation  Proceeds,  Insurance  Proceeds  and REO  Proceeds  (net of  amounts
reimbursable  therefrom  pursuant to Section  3.10(a)(ii))  in respect of a Cash
Liquidation  or REO  Disposition  exceed  the unpaid  principal  balance of such
Mortgage  Loan plus  unpaid  interest  accrued  thereon  (including  REO Imputed
Interest)  at a per annum rate equal to the  related Net  Mortgage  Rate (or the
Modified Net Mortgage Rate in the case of a Modified  Mortgage Loan), the Master
Servicer  shall be entitled to retain  therefrom and to pay to itself and/or the
related   Subservicer,   any  Foreclosure  Profits  and  any  Servicing  Fee  or
Subservicing Fee considered to be accrued but unpaid.

(b)  Additional  servicing  compensation  in the  form  of  prepayment  charges,
assumption  fees,  late  payment  charges,  investment  income on amounts in the
Custodial  Account or the Certificate  Account or otherwise shall be retained by
the Master Servicer or the Subservicer to the extent provided herein, subject to
clause (e) below.

(c) The Master  Servicer  shall be  required  to pay,  or cause to be paid,  all
expenses  incurred by it in connection with its servicing  activities  hereunder
(including  payment of premiums for the Primary Insurance  Policies,  if any, to
the extent such premiums are not required to be paid by the related  Mortgagors,
and the fees and  expenses of the Trustee  and any  Custodian)  and shall not be
entitled to reimbursement  therefor except as specifically  provided in Sections
3.10 and 3.14.

(d) The Master  Servicer's  right to receive  servicing  compensation may not be
transferred in whole or in part except in connection with the transfer of all of
its   responsibilities  and  obligations  of  the  Master  Servicer  under  this
Agreement.

(e)  Notwithstanding  any  other  provision  herein,  the  amount  of  servicing
compensation  that the Master  Servicer  shall be  entitled  to receive  for its
activities  hereunder for the period ending on each  Distribution  Date shall be
reduced  (but not below zero) by an amount  equal to  Compensating  Interest (if
any) for such  Distribution  Date.  Such reduction  shall be applied during such
period as follows:  first, to any Servicing Fee or Subservicing Fee to which the
Master Servicer is entitled pursuant to Section 3.10(a)(iii), and second, to any
income or gain  realized  from any  investment  of funds  held in the  Custodial
Account or the  Certificate  Account to which the Master  Servicer  is  entitled
pursuant to Sections 3.07(c) or 4.01(b), respectively. In making such reduction,
the Master  Servicer (i) will not withdraw from the  Custodial  Account any such
amount  representing  all or a  portion  of the  Servicing  Fee to  which  it is
entitled pursuant to Section  3.10(a)(iii),  and (ii) will not withdraw from the
Custodial Account or Certificate Account any such amount to which it is entitled
pursuant to Section 3.07(c) or 4.01(b).

Section 3.17.  Reports to the Trustee and the Company.
               --------------------------------------

        Not later than fifteen  days after each  Distribution  Date,  the Master
Servicer shall forward to the Trustee and the Company a statement,  certified by
a Servicing Officer, setting forth the status of the Custodial Account as of the
close of business on such  Distribution Date as it relates to the Mortgage Loans
and showing, for the period covered by such statement, the aggregate of deposits

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<PAGE>

in or  withdrawals  from the Custodial  Account in respect of the Mortgage Loans
for each  category of deposit  specified  in Section  3.07 and each  category of
withdrawal specified in Section 3.10.

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

        The Master  Servicer  will deliver to the  Company,  the Trustee and any
Certificate Insurer on or before March 31 of each year, beginning with the first
March 31 that occurs at least six months  after the Cut-off  Date,  an Officers'
Certificate  stating,  as to each  signer  thereof,  that  (i) a  review  of the
activities of the Master Servicer during the preceding  calendar year related to
its servicing of mortgage loans and its performance  under pooling and servicing
agreements,  including  this  Agreement,  has been  made  under  such  officers'
supervision, (ii) to the best of such officers' knowledge, based on such review,
the Master  Servicer  has  complied in all  material  respects  with the minimum
servicing  standards  set forth in the Uniform  Single  Attestation  Program for
Mortgage Bankers and has fulfilled all of its material  obligations  relating to
this Agreement in all material  respects  throughout such year, or, if there has
been material  noncompliance  with such servicing  standards or a default in the
fulfillment  in all material  respects of any such  obligation  relating to this
Agreement,  such statement shall include a description of such  noncompliance or
specify  each such  default,  as the case may be,  known to such officer and the
nature and status  thereof  and (iii) to the best of such  officers'  knowledge,
each  Subservicer  has  complied  in all  material  respects  with  the  minimum
servicing  standards  set forth in the Uniform  Single  Attestation  Program for
Mortgage  Bankers and has  fulfilled all of its material  obligations  under its
Subservicing  Agreement in all material  respects  throughout  such year, or, if
there  has been  material  noncompliance  with  such  servicing  standards  or a
material  default  in the  fulfillment  of  such  obligations  relating  to this
Agreement,  such statement shall include a description of such  noncompliance or
specify  each such  default,  as the case may be,  known to such officer and the
nature and status thereof.

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

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

                                       63
<PAGE>

Section 3.20.  Rights of the Company in Respect of the Master Servicer.
               --------------------------------------------------------

        The Master Servicer shall afford the Company,  upon  reasonable  notice,
during  normal  business  hours access to all records  maintained  by the Master
Servicer  in  respect  of its rights  and  obligations  hereunder  and access to
officers of the Master Servicer responsible for such obligations.  Upon request,
the Master  Servicer  shall  furnish the Company with its most recent  financial
statements and such other information as the Master Servicer possesses regarding
its business,  affairs,  property and  condition,  financial or  otherwise.  The
Master   Servicer  shall  also  cooperate  with  all  reasonable   requests  for
information  including,  but not limited to, notices, tapes and copies of files,
regarding  itself,  the Mortgage  Loans or the  Certificates  from any Person or
Persons identified by the Company or Residential  Funding.  The Company may, but
is not obligated to, enforce the  obligations of the Master  Servicer  hereunder
and may, but is not obligated to, perform,  or cause a designee to perform,  any
defaulted  obligation of the Master Servicer hereunder or exercise the rights of
the Master  Servicer  hereunder;  provided that the Master Servicer shall not be
relieved of any of its  obligations  hereunder by virtue of such  performance by
the Company or its designee.  The Company shall not have any  responsibility  or
liability  for any action or failure  to act by the Master  Servicer  and is not
obligated  to  supervise  the  performance  of the  Master  Servicer  under this
Agreement or otherwise.

Section 3.21.  Administration of Buydown Funds

(a) With respect to any Buydown  Mortgage  Loan, the  Subservicer  has deposited
Buydown Funds in an account that satisfies the  requirements  for a Subservicing
Account  (the  "Buydown   Account").   The  Master   Servicer  shall  cause  the
Subservicing  Agreement to require  that upon receipt from the  Mortgagor of the
amount due on a Due Date for each Buydown  Mortgage Loan, the  Subservicer  will
withdraw from the Buydown Account the  predetermined  amount that, when added to
the amount due on such date from the Mortgagor,  equals the full Monthly Payment
and  transmit  that  amount in  accordance  with the  terms of the  Subservicing
Agreement to the Master  Servicer  together with the related payment made by the
Mortgagor or advanced by the Subservicer.

(b) If the  Mortgagor  on a  Buydown  Mortgage  Loan  prepays  such  loan in its
entirety  during  the period  (the  "Buydown  Period")  when  Buydown  Funds are
required to be applied to such Buydown  Mortgage Loan, the Subservicer  shall be
required to  withdraw  from the  Buydown  Account  and remit any  Buydown  Funds
remaining  in the  Buydown  Account  in  accordance  with  the  related  buydown
agreement.  The amount of Buydown Funds which may be remitted in accordance with
the related  buydown  agreement may reduce the amount required to be paid by the
Mortgagor  to fully  prepay the related  Mortgage  Loan.  If the  Mortgagor on a
Buydown  Mortgage Loan defaults on such Mortgage Loan during the Buydown  Period
and the property  securing such Buydown Mortgage Loan is sold in the liquidation
thereof  (either by the Master Servicer or the insurer under any related Primary
Insurance  Policy),  the  Subservicer  shall be required  to  withdraw  from the
Buydown  Account the Buydown Funds for such Buydown  Mortgage Loan still held in
the Buydown Account and remit the same to the Master Servicer in accordance with
the terms of the Subservicing Agreement for deposit in the Custodial Account or,
if  instructed  by the Master  Servicer,  pay to the  insurer  under any related

                                      64
<PAGE>

Primary  Insurance  Policy if the  Mortgaged  Property  is  transferred  to such
insurer  and such  insurer  pays all of the loss  incurred  in  respect  of such
default.  Any amount so remitted  pursuant  to the  preceding  sentence  will be
deemed to reduce the amount owed on the Mortgage Loan.

                                       65
<PAGE>

                                   ARTICLE IV

                         PAYMENTS TO CERTIFICATEHOLDERS

Section 4.01.  Certificate Account.
               -------------------

(a) The Master  Servicer on behalf of the Trustee shall establish and maintain a
Certificate  Account in which the Master Servicer shall cause to be deposited on
behalf of the Trustee on or before 2:00 P.M.  New York time on each  Certificate
Account  Deposit Date by wire transfer of immediately  available funds an amount
equal to the sum of (i) any Advance for the immediately succeeding  Distribution
Date,  (ii) any amount  required  to be  deposited  in the  Certificate  Account
pursuant to Section  3.12(a),  (iii) any amount  required to be deposited in the
Certificate Account pursuant to Section 3.16(e) or Section 4.07, (iv) any amount
required  to be  paid  pursuant  to  Section  9.01  and (v)  all  other  amounts
constituting the Available  Distribution  Amount for the immediately  succeeding
Distribution Date.

(b) The Trustee shall, upon written request from the Master Servicer,  invest or
cause the institution maintaining the Certificate Account to invest the funds in
the Certificate Account in Permitted  Investments  designated in the name of the
Trustee for the  benefit of the  Certificateholders,  which  shall  mature or be
payable  on  demand  not  later  than  the  Business  Day  next   preceding  the
Distribution  Date next following the date of such  investment  (except that (i)
any  investment  in the  institution  with  which  the  Certificate  Account  is
maintained may mature or be payable on demand on such Distribution Date and (ii)
any other  investment  may mature or be  payable on demand on such  Distribution
Date  if the  Trustee  shall  advance  funds  on such  Distribution  Date to the
Certificate   Account  in  the  amount  payable  on  such   investment  on  such
Distribution  Date,  pending  receipt  thereof to the extent  necessary  to make
distributions on the Certificates) and shall not be sold or disposed of prior to
maturity. Subject to Section 3.16(e), all income and gain realized from any such
investment  shall be for the benefit of the Master Servicer and shall be subject
to its withdrawal or order from time to time. The amount of any losses  incurred
in respect of any such investments shall be deposited in the Certificate Account
by the Master Servicer out of its own funds  immediately as realized without any
right of reimbursement.

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

                      As provided in Section 4.02 of the Series Supplement.

Section 4.03.  Statements to Certificateholders.
               --------------------------------

     (a) Concurrently with each distribution  charged to the Certificate Account
and with respect to each  Distribution Date the Master Servicer shall forward to
the Trustee and the Trustee  shall either  forward by mail or make  available to
each Holder and the Company,  via the Trustee's  internet  website,  a statement
(and at its option,  any additional  files containing the same information in an
alternative  format) setting forth information as to each Class of Certificates,
the  Mortgage  Pool and, if the  Mortgage  Pool is comprised of two or more Loan
Groups,  each Loan Group, to the extent applicable.  This statement will include
the information set forth in an exhibit to the Series  Supplement.  Such exhibit
shall set forth the Trustee's  internet  website  address  together with a phone
number.  The Trustee  shall mail to each  Holder  that  requests a paper copy by
telephone  a paper  copy via first  class  mail.  The  Trustee  may  modify  the
distribution  procedures set forth in this Section provided that such procedures
are no less  convenient  for the  Certificateholders.  The Trustee shall provide

                                       66
<PAGE>

prior   notification   to   the   Company,   the   Master   Servicer   and   the
Certificateholders  regarding  any such  modification.  In addition,  the Master
Servicer shall provide to any manager of a trust fund  consisting of some or all
of the Certificates,  upon reasonable request, such additional information as is
reasonably  obtainable by the Master  Servicer at no  additional  expense to the
Master Servicer.

     (b) Within a reasonable period of time after the end of each calendar year,
the Master Servicer shall prepare,  or cause to be prepared,  and shall forward,
or cause to be  forwarded,  to each Person who at any time  during the  calendar
year was the  Holder  of a  Certificate,  other  than a Class R  Certificate,  a
statement  containing the  information  set forth in clauses (i) and (ii) of the
exhibit to the Series Supplement  referred to in subsection (a) above aggregated
for such calendar year or applicable  portion  thereof  during which such Person
was a Certificateholder.  Such obligation of the Master Servicer shall be deemed
to have been satisfied to the extent that substantially  comparable  information
shall be provided by the Master  Servicer  pursuant to any  requirements  of the
Code.

     (c) Within a reasonable period of time after the end of each calendar year,
the Master Servicer shall prepare,  or cause to be prepared,  and shall forward,
or cause to be  forwarded,  to each Person who at any time  during the  calendar
year  was the  Holder  of a Class R  Certificate,  a  statement  containing  the
applicable  distribution  information  provided  pursuant to this  Section  4.03
aggregated  for such calendar year or applicable  portion  thereof  during which
such  Person was the Holder of a Class R  Certificate.  Such  obligation  of the
Master  Servicer  shall be deemed  to have been  satisfied  to the  extent  that
substantially  comparable  information  shall be provided by the Master Servicer
pursuant to any requirements of the Code.

     (d) Upon the written request of any Certificateholder, the Master Servicer,
as   soon   as   reasonably   practicable,    shall   provide   the   requesting
Certificateholder with such information as is necessary and appropriate,  in the
Master  Servicer's  sole  discretion,  for  purposes  of  satisfying  applicable
reporting requirements under Rule 144A.

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

(a)  Prior to the  close of  business  on the  Determination  Date,  the  Master
Servicer  shall  furnish a written  statement  to the Trustee,  any  Certificate
Insurer,  any Paying Agent and the Company (the information in such statement to
be made  available  to  Certificateholders  by the Master  Servicer  on request)
setting  forth  (i) the  Available  Distribution  Amount  and (ii)  the  amounts
required to be  withdrawn  from the  Custodial  Account and  deposited  into the
Certificate  Account on the immediately  succeeding  Certificate Account Deposit
Date  pursuant to clause  (iii) of Section  4.01(a).  The  determination  by the
Master  Servicer of such  amounts  shall,  in the absence of obvious  error,  be
presumptively  deemed to be correct for all purposes  hereunder  and the Trustee
shall be protected in relying  upon the same  without any  independent  check or
verification.

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<PAGE>

(b) On or before 2:00 P.M.  New York time on each  Certificate  Account  Deposit
Date, the Master  Servicer shall either (i) deposit in the  Certificate  Account
from its own funds, or funds received therefor from the Subservicers,  an amount
equal to the  Advances  to be made by the  Master  Servicer  in  respect  of the
related  Distribution  Date,  which shall be in an aggregate amount equal to the
aggregate  amount of  Monthly  Payments  (with  each  interest  portion  thereof
adjusted to the Net  Mortgage  Rate),  less the amount of any related  Servicing
Modifications,  Debt Service  Reductions or reductions in the amount of interest
collectable  from the Mortgagor  pursuant to the  Soldiers'  and Sailors'  Civil
Relief Act of 1940, as amended,  or similar  legislation or regulations  then in
effect,  on the  Outstanding  Mortgage  Loans as of the related Due Date,  which
Monthly  Payments were  delinquent as of the close of business as of the related
Determination  Date;  provided  that no  Advance  shall be made if it would be a
Nonrecoverable  Advance,  (ii) withdraw from amounts on deposit in the Custodial
Account  and deposit in the  Certificate  Account all or a portion of the Amount
Held for Future  Distribution  in discharge of any such  Advance,  or (iii) make
advances in the form of any  combination of (i) and (ii)  aggregating the amount
of such Advance.  Any portion of the Amount Held for Future Distribution so used
shall be replaced by the Master Servicer by deposit in the  Certificate  Account
on or before 11:00 A.M. New York time on any future Certificate  Account Deposit
Date to the  extent  that  funds  attributable  to the  Mortgage  Loans that are
available in the  Custodial  Account for deposit in the  Certificate  Account on
such   Certificate   Account  Deposit  Date  shall  be  less  than  payments  to
Certificateholders  required to be made on the following  Distribution Date. The
Master  Servicer  shall be entitled to use any Advance made by a Subservicer  as
described in Section 3.07(b) that has been deposited in the Custodial Account on
or before  such  Distribution  Date as part of the  Advance  made by the  Master
Servicer pursuant to this Section 4.04. The amount of any reimbursement pursuant
to Section 4.02(a) in respect of outstanding  Advances on any Distribution  Date
shall be allocated to specific  Monthly Payments due but delinquent for previous
Due Periods,  which  allocation  shall be made,  to the extent  practicable,  to
Monthly Payments which have been delinquent for the longest period of time. Such
allocations  shall be  conclusive  for purposes of  reimbursement  to the Master
Servicer from recoveries on related Mortgage Loans pursuant to Section 3.10.

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

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

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<PAGE>

Section 7.01 and (b) assume the rights and  obligations  of the Master  Servicer
hereunder,  including the  obligation to deposit in the  Certificate  Account an
amount equal to the Advance for the immediately succeeding Distribution Date.

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

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

                             As   provided   in  Section   4.05  of  the  Series
Supplement.

Section 4.06.  Reports of Foreclosures and Abandonment of Mortgaged Property.
               --------------------------------------------------------------

        The Master Servicer or the Subservicers  shall file information  returns
with  respect  to the  receipt  of  mortgage  interests  received  in a trade or
business, the reports of foreclosures and abandonments of any Mortgaged Property
and the information returns relating to cancellation of indebtedness income with
respect to any Mortgaged  Property required by Sections 6050H,  6050J and 6050P,
respectively,  of the Code, and deliver to the Trustee an Officers'  Certificate
on or before  March 31 of each year  stating  that such reports have been filed.
Such reports  shall be in form and  substance  sufficient  to meet the reporting
requirements imposed by Sections 6050H, 6050J and 6050P of the Code.

Section 4.07.  Optional Purchase of Defaulted Mortgage Loans.
               ----------------------------------------------

        As to any  Mortgage  Loan which is  delinquent  in payment by 90 days or
more, the Master  Servicer may, at its option,  purchase such Mortgage Loan from
the Trustee at the Purchase Price  therefor.  If at any time the Master Servicer
makes a payment to the Certificate  Account  covering the amount of the Purchase
Price for such a Mortgage Loan, and the Master Servicer  provides to the Trustee
a  certification  signed by a Servicing  Officer stating that the amount of such
payment has been deposited in the  Certificate  Account,  then the Trustee shall
execute  the  assignment  of such  Mortgage  Loan at the  request  of the Master
Servicer without recourse to the Master Servicer, which shall succeed to all the
Trustee's  right,  title and  interest  in and to such  Mortgage  Loan,  and all
security and documents relative thereto.  Such assignment shall be an assignment
outright and not for  security.  The Master  Servicer  will  thereupon  own such
Mortgage, and all such security and documents, free of any further obligation to
the Trustee or the Certificateholders with respect thereto.

        If,  however,  the Master  Servicer  shall have  exercised  its right to
repurchase  a Mortgage  Loan  pursuant  to this  Section  4.07 upon the  written
request of and with funds provided by the Junior Certificateholder and thereupon
transferred  such  Mortgage  Loan to the  Junior  Certificateholder,  the Master
Servicer shall so notify the Trustee in writing.

Section 4.08.  Surety Bond.
               -----------

(a) If a Required  Surety  Payment is payable  pursuant  to the Surety Bond with
respect to any Additional  Collateral  Loan, the Master Servicer shall so notify
the Trustee as soon as reasonably  practicable  and the Trustee  shall  promptly
complete  the notice in the form of  Attachment  1 to the Surety  Bond and shall
promptly submit such notice to the Surety as a claim for a Required Surety.  The
Master  Servicer shall upon request assist the Trustee in completing such notice
and shall  provide  any  information  requested  by the  Trustee  in  connection
therewith.

                                       69
<PAGE>

(b) Upon receipt of a Required  Surety  Payment from the Surety on behalf of the
Holders of Certificates,  the Trustee shall deposit such Required Surety Payment
in the Certificate Account and shall distribute such Required Surety Payment, or
the proceeds thereof, in accordance with the provisions of Section 4.02.

(c) The  Trustee  shall (i)  receive  as  attorney-in-fact  of each  Holder of a
Certificate  any Required  Surety  Payment from the Surety and (ii) disburse the
same to the Holders of such Certificates as set forth in Section 4.02.

                                       70
<PAGE>

                                   ARTICLE V

                                THE CERTIFICATES

Section 5.01.  The Certificates.
               ----------------

(a) The Senior, Class M, Class B and Class R Certificates shall be substantially
in the forms set forth in Exhibits A, B, C and D,  respectively,  and shall,  on
original  issue,  be executed and  delivered  by the Trustee to the  Certificate
Registrar  for  authentication  and delivery to or upon the order of the Company
upon receipt by the Trustee or one or more Custodians of the documents specified
in Section 2.01. The Certificates shall be issuable in the minimum denominations
designated in the Preliminary Statement to the Series Supplement.

        The Certificates  shall be executed by manual or facsimile  signature on
behalf of an authorized officer of the Trustee.  Certificates bearing the manual
or facsimile  signatures of individuals who were at any time the proper officers
of the Trustee shall bind the Trustee,  notwithstanding that such individuals or
any of them have ceased to hold such  offices  prior to the  authentication  and
delivery of such  Certificate  or did not hold such  offices at the date of such
Certificates.  No  Certificate  shall be  entitled  to any  benefit  under  this
Agreement, or be valid for any purpose, unless there appears on such Certificate
a certificate of  authentication  substantially  in the form provided for herein
executed by the Certificate Registrar by manual signature,  and such certificate
upon any Certificate shall be conclusive evidence,  and the only evidence,  that
such  Certificate  has been duly  authenticated  and  delivered  hereunder.  All
Certificates shall be dated the date of their authentication.

(b) Except as provided below, registration of Book-Entry Certificates may not be
transferred by the Trustee except to another Depository that agrees to hold such
Certificates  for the respective  Certificate  Owners with  Ownership  Interests
therein. The Holders of the Book-Entry  Certificates shall hold their respective
Ownership  Interests in and to each of such Certificates  through the book-entry
facilities  of the  Depository  and,  except  as  provided  below,  shall not be
entitled to Definitive Certificates in respect of such Ownership Interests.  All
transfers by Certificate Owners of their respective  Ownership  Interests in the
Book-Entry  Certificates  shall  be  made  in  accordance  with  the  procedures
established by the Depository  Participant or brokerage firm  representing  such
Certificate  Owner.  Each  Depository  Participant  shall transfer the Ownership
Interests  only  in  the  Book-Entry   Certificates  of  Certificate  Owners  it
represents or of brokerage  firms for which it acts as agent in accordance  with
the Depository's normal procedures.

        The  Trustee,  the Master  Servicer and the Company may for all purposes
(including  the making of payments due on the  respective  Classes of Book-Entry
Certificates)  deal with the Depository as the authorized  representative of the
Certificate  Owners  with  respect  to  the  respective  Classes  of  Book-Entry
Certificates  for the purposes of  exercising  the rights of  Certificateholders
hereunder.  The rights of  Certificate  Owners  with  respect to the  respective
Classes of Book-Entry  Certificates shall be limited to those established by law
and agreements between such Certificate  Owners and the Depository  Participants
and brokerage firms representing such Certificate Owners.  Multiple requests and

                                       71
<PAGE>

directions  from,  and  votes  of,  the  Depository  as  Holder  of any Class of
Book-Entry  Certificates  with  respect to any  particular  matter  shall not be
deemed  inconsistent  if they are made with  respect  to  different  Certificate
Owners.  The Trustee may establish a reasonable  record date in connection  with
solicitations  of consents from or voting by  Certificateholders  and shall give
notice to the Depository of such record date.

        If (i)(A) the Company advises the Trustee in writing that the Depository
is no longer  willing or able to  properly  discharge  its  responsibilities  as
Depository and (B) the Company is unable to locate a qualified successor or (ii)
the  Company  at its option  advises  the  Trustee in writing  that it elects to
terminate the book-entry system through the Depository, the Trustee shall notify
all Certificate  Owners,  through the Depository,  of the occurrence of any such
event and of the availability of Definitive  Certificates to Certificate  Owners
requesting   the  same.   Upon  surrender  to  the  Trustee  of  the  Book-Entry
Certificates by the Depository,  accompanied by registration  instructions  from
the  Depository  for  registration  of  transfer,  the  Trustee  shall issue the
Definitive  Certificates.  Neither  the  Company,  the Master  Servicer  nor the
Trustee shall be liable for any actions taken by the  Depository or its nominee,
including,  without  limitation,  any delay in delivery of such instructions and
may  conclusively   rely  on,  and  shall  be  protected  in  relying  on,  such
instructions. Upon the issuance of Definitive Certificates all references herein
to obligations imposed upon or to be performed by the Company in connection with
the issuance of the Definitive  Certificates pursuant to this Section 5.01 shall
be deemed to be imposed upon and  performed by the Trustee,  and the Trustee and
the Master Servicer shall  recognize the Holders of the Definitive  Certificates
as Certificateholders hereunder.

(c) From time to time  Residential  Funding,  as the initial Holder of the Class
A-V  Certificates,  may  exchange  such  Holder's  Class  A-V  Certificates  for
Subclasses  of Class A-V  Certificates  to be issued  under  this  Agreement  by
delivering a "Request for Exchange" substantially in the form attached hereto as
Exhibit N executed by an authorized officer, which Subclasses, in the aggregate,
will   represent  the   Uncertificated   Class  A-V  REMIC   Regular   Interests
corresponding  to the Class A-V  Certificates so surrendered  for exchange.  Any
Subclass so issued  shall bear a  numerical  designation  commencing  with Class
A-V-1 and continuing sequentially thereafter, and will evidence ownership of the
Uncertificated  REMIC Regular Interest or Interests specified in writing by such
initial  Holder to the  Trustee.  The  Trustee  may  conclusively,  without  any
independent  verification,  rely on,  and  shall be  protected  in  relying  on,
Residential  Funding's  determinations  of the  Uncertificated  Class  A-V REMIC
Regular Interests corresponding to any Subclass, the Initial Notional Amount and
the initial  Pass-Through  Rate on a Subclass  as set forth in such  Request for
Exchange and the Trustee  shall have no duty to determine if any  Uncertificated
Class  A-V  REMIC  Regular  Interest   designated  on  a  Request  for  Exchange
corresponds  to a Subclass which has  previously  been issued.  Each Subclass so
issued shall be  substantially  in the form set forth in Exhibit A and shall, on
original  issue,  be executed and  delivered  by the Trustee to the  Certificate
Registrar for  authentication  and delivery in accordance with Section  5.01(a).
Every  Certificate  presented or surrendered  for exchange by the initial Holder
shall (if so  required  by the  Trustee or the  Certificate  Registrar)  be duly
endorsed by, or be accompanied by a written  instrument of transfer  attached to
such  Certificate and shall be completed to the  satisfaction of the Trustee and
the  Certificate  Registrar  duly executed by, the initial Holder thereof or his
attorney duly authorized in writing.  The  Certificates of any Subclass of Class
A-V  Certificates  may be transferred  in whole,  but not in part, in accordance
with the provisions of Section 5.02.

                                       72
<PAGE>

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

(a) The  Trustee  shall cause to be kept at one of the offices or agencies to be
appointed by the Trustee in  accordance  with the  provisions  of Section 8.12 a
Certificate Register in which, subject to such reasonable  regulations as it may
prescribe, the Trustee shall provide for the registration of Certificates and of
transfers  and  exchanges of  Certificates  as herein  provided.  The Trustee is
initially  appointed  Certificate  Registrar  for  the  purpose  of  registering
Certificates and transfers and exchanges of Certificates as herein provided. The
Certificate Registrar,  or the Trustee, shall provide the Master Servicer with a
certified list of Certificateholders as of each Record Date prior to the related
Determination Date.

(b) Upon surrender for registration of transfer of any Certificate at any office
or agency of the Trustee  maintained  for such purpose  pursuant to Section 8.12
and,  in the  case  of any  Class  M,  Class  B or  Class  R  Certificate,  upon
satisfaction  of the conditions  set forth below,  the Trustee shall execute and
the Certificate  Registrar shall  authenticate  and deliver,  in the name of the
designated  transferee or  transferees,  one or more new  Certificates of a like
Class (or Subclass) and aggregate Percentage Interest.

(c) At the option of the  Certificateholders,  Certificates may be exchanged for
other Certificates of authorized denominations of a like Class (or Subclass) and
aggregate  Percentage  Interest,  upon  surrender  of  the  Certificates  to  be
exchanged  at any such  office  or  agency.  Whenever  any  Certificates  are so
surrendered for exchange the Trustee shall execute and the Certificate Registrar
shall  authenticate  and  deliver  the  Certificates  of such  Class  which  the
Certificateholder  making the exchange is entitled to receive. Every Certificate
presented or  surrendered  for transfer or exchange shall (if so required by the
Trustee or the Certificate  Registrar) be duly endorsed by, or be accompanied by
a written  instrument  of transfer in form  satisfactory  to the Trustee and the
Certificate  Registrar duly executed by, the Holder thereof or his attorney duly
authorized in writing.

(d) No transfer,  sale,  pledge or other  disposition  of a Class B  Certificate
shall be made unless such transfer,  sale, pledge or other disposition is exempt
from the  registration  requirements  of the Securities Act of 1933, as amended,
and any applicable  state securities laws or is made in accordance with said Act
and laws.  In the event that a transfer of a Class B  Certificate  is to be made
either (i)(A) the Trustee shall require a written Opinion of Counsel  acceptable
to and in form and  substance  satisfactory  to the Trustee and the Company that
such transfer may be made pursuant to an exemption,  describing  the  applicable
exemption  and the  basis  therefor,  from  said Act and  laws or is being  made
pursuant to said Act and laws,  which Opinion of Counsel shall not be an expense
of the  Trustee,  the  Company  or the Master  Servicer  (except  that,  if such
transfer is made by the Company or the Master Servicer or any Affiliate thereof,
the Company or the Master  Servicer  shall  provide  such  Opinion of Counsel at
their own  expense);  provided that such Opinion of Counsel will not be required
in connection with the initial  transfer of any such  Certificate by the Company
or any  Affiliate  thereof to the Company or an Affiliate of the Company and (B)
the Trustee shall require the  transferee  to execute a  representation  letter,
substantially in the form of Exhibit H hereto, and the Trustee shall require the
transferor  to execute a  representation  letter,  substantially  in the form of
Exhibit I hereto,  each acceptable to and in form and substance  satisfactory to
the Company and the Trustee  certifying to the Company and the Trustee the facts
surrounding such transfer,  which representation letters shall not be an expense
of the Trustee, the Company or the Master Servicer; provided, however, that such
representation  letters will not be required in connection  with any transfer of
any such  Certificate by the Company or any Affiliate  thereof to the Company or
an Affiliate of the Company,  and the Trustee shall be entitled to  conclusively

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<PAGE>

rely upon a representation  (which, upon the request of the Trustee,  shall be a
written representation) from the Company, of the status of such transferee as an
Affiliate  of  the  Company  or  (ii)  the  prospective  transferee  of  such  a
Certificate shall be required to provide the Trustee, the Company and the Master
Servicer  with an  investment  letter  substantially  in the form of  Exhibit  J
attached hereto (or such other form as the Company in its sole discretion  deems
acceptable), which investment letter shall not be an expense of the Trustee, the
Company or the Master Servicer,  and which investment  letter states that, among
other  things,  such  transferee  (A) is a  "qualified  institutional  buyer" as
defined  under Rule 144A,  acting for its own  account or the  accounts of other
"qualified  institutional  buyers" as defined under Rule 144A,  and (B) is aware
that the proposed  transferor intends to rely on the exemption from registration
requirements  under the  Securities  Act of 1933,  as amended,  provided by Rule
144A. The Holder of any such  Certificate  desiring to effect any such transfer,
sale, pledge or other disposition shall, and does hereby agree to, indemnify the
Trustee, the Company, the Master Servicer and the Certificate  Registrar against
any liability that may result if the transfer, sale, pledge or other disposition
is not so exempt or is not made in accordance with such federal and state laws.

(e)  (i) In the  case  of any  Class  B or  Class R  Certificate  presented  for
     registration  in the  name of any  Person,  either  (A) the  Trustee  shall
     require  an  Opinion of  Counsel  acceptable  to and in form and  substance
     satisfactory  to the  Trustee,  the Company and the Master  Servicer to the
     effect that the purchase or holding of such Class B or Class R  Certificate
     is permissible  under  applicable law, will not constitute or result in any
     non-exempt  prohibited  transaction  under  Section  406  of  the  Employee
     Retirement  Income Security Act of 1974, as amended  ("ERISA"),  or Section
     4975 of the Code (or comparable  provisions of any subsequent  enactments),
     and will not subject the Trustee, the Company or the Master Servicer to any
     obligation or liability  (including  obligations or liabilities under ERISA
     or  Section  4975 of the  Code) in  addition  to those  undertaken  in this
     Agreement, which Opinion of Counsel shall not be an expense of the Trustee,
     the Company or the Master Servicer or (B) the prospective  Transferee shall
     be  required to provide the  Trustee,  the Company and the Master  Servicer
     with a certification  to the effect set forth in paragraph six of Exhibit H
     (with respect to any Class B Certificate) or paragraph  fourteen of Exhibit
     G-1 (with respect to any Class R  Certificate),  which the Trustee may rely
     upon without further inquiry or investigation, or such other certifications
     as the Trustee may deem  desirable or necessary in order to establish  that
     such Transferee or the Person in whose name such  registration is requested
     either (a) is not an  employee  benefit  plan or other plan  subject to the
     prohibited  transaction provisions of ERISA or Section 4975 of the Code, or
     any Person (including an investment manager, a named fiduciary or a trustee
     of any such  plan) who is using  "plan  assets"  of any such plan to effect
     such acquisition  (each, a "Plan Investor") or (b) in the case of any Class
     B Certificate,  the following conditions are satisfied: (i) such Transferee
     is an insurance company,  (ii) the source of funds used to purchase or hold
     such  Certificate  (or interest  therein) is an "insurance  company general

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<PAGE>

     account" (as defined in U.S.  Department  of Labor  Prohibited  Transaction
     Class  Exemption  ("PTCE")  95-60,  and (iii) the  conditions  set forth in
     Sections I and III of PTCE  95-60 have been  satisfied  (each  entity  that
     satisfies this clause (b), a "Complying Insurance Company").

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

               (iii) (A) If any Class M Certificate (or any interest therein) is
               acquired  or  held  by any  Person  that  does  not  satisfy  the
               conditions  described  in  paragraph  (ii)  above,  then the last
               preceding Transferee that either (i) is not a Plan Investor, (ii)
               acquired such  Certificate in compliance  with the RFC Exemption,
               or (iii) is a Complying  Insurance Company shall be restored,  to
               the extent  permitted  by law, to all rights and  obligations  as
               Certificate  Owner  thereof  retroactive  to  the  date  of  such
               Transfer of such Class M Certificate.  The Trustee shall be under
               no  liability  to any Person for making any  payments due on such
               Certificate to such preceding Transferee.

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

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

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

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<PAGE>

(B)  In connection  with any proposed  Transfer of any  Ownership  Interest in a
     Class R  Certificate,  the Trustee shall require  delivery to it, and shall
     not register the Transfer of any Class R Certificate  until its receipt of,
     (I) an affidavit and agreement (a "Transfer  Affidavit and  Agreement,"  in
     the form attached hereto as Exhibit G-1) from the proposed  Transferee,  in
     form and substance  satisfactory to the Master  Servicer,  representing and
     warranting,  among other things, that it is a Permitted Transferee, that it
     is not acquiring its Ownership  Interest in the Class R Certificate that is
     the subject of the proposed Transfer as a nominee, trustee or agent for any
     Person who is not a  Permitted  Transferee,  that for so long as it retains
     its Ownership Interest in a Class R Certificate, it will endeavor to remain
     a Permitted  Transferee,  and that it has reviewed the  provisions  of this
     Section 5.02(f) and agrees to be bound by them, and (II) a certificate,  in
     the form  attached  hereto as  Exhibit  G-2,  from the  Holder  wishing  to
     transfer the Class R Certificate, in form and substance satisfactory to the
     Master Servicer,  representing and warranting,  among other things, that no
     purpose of the proposed  Transfer is to impede the assessment or collection
     of tax.

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

(D)  Each  Person  holding or  acquiring  any  Ownership  Interest  in a Class R
     Certificate  shall agree (x) to require a Transfer  Affidavit and Agreement
     from any  other  Person  to whom  such  Person  attempts  to  transfer  its
     Ownership  Interest in a Class R  Certificate  and (y) not to transfer  its
     Ownership  Interest  unless it provides a certificate to the Trustee in the
     form attached hereto as Exhibit G-2.

(E)  Each  Person  holding  or  acquiring  an  Ownership  Interest  in a Class R
     Certificate,  by  purchasing  an  Ownership  Interest in such  Certificate,
     agrees  to give  the  Trustee  written  notice  that it is a  "pass-through
     interest  holder"  within the  meaning of  Temporary  Treasury  Regulations
     Section   1.67-3T(a)(2)(i)(A)   immediately  upon  acquiring  an  Ownership
     Interest  in a Class R  Certificate,  if it is, or is holding an  Ownership
     Interest in a Class R Certificate  on behalf of, a  "pass-through  interest
     holder."

(ii)    The Trustee will register the Transfer of any Class R  Certificate  only
        if it shall have  received  the  Transfer  Affidavit  and  Agreement,  a
        certificate of the Holder  requesting such transfer in the form attached
        hereto as Exhibit G-2 and all of such other documents as shall have been
        reasonably  required by the Trustee as a condition to such registration.
        Transfers of the Class R Certificates  to Non-United  States Persons and
        Disqualified  Organizations  (as  defined in Section  860E(e)(5)  of the
        Code) are prohibited.

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<PAGE>

(iii)(A) If any  Disqualified  Organization  shall  become a holder of a Class R
     Certificate,   then  the  last  preceding  Permitted  Transferee  shall  be
     restored,  to the extent permitted by law, to all rights and obligations as
     Holder thereof  retroactive to the date of registration of such Transfer of
     such Class R  Certificate.  If a  Non-United  States  Person shall become a
     holder of a Class R  Certificate,  then the last  preceding  United  States
     Person shall be restored, to the extent permitted by law, to all rights and
     obligations as Holder thereof  retroactive to the date of  registration  of
     such  Transfer  of such Class R  Certificate.  If a  transfer  of a Class R
     Certificate  is   disregarded   pursuant  to  the  provisions  of  Treasury
     Regulations  Section 1.860E-1 or Section 1.860G-3,  then the last preceding
     Permitted Transferee shall be restored,  to the extent permitted by law, to
     all rights and  obligations  as Holder  thereof  retroactive to the date of
     registration  of such  Transfer  of such Class R  Certificate.  The Trustee
     shall be under no liability to any Person for any  registration of Transfer
     of a Class R  Certificate  that is in fact not  permitted  by this  Section
     5.02(f) or for making any  payments due on such  Certificate  to the holder
     thereof or for taking any other  action with  respect to such holder  under
     the provisions of this Agreement.

     (B)  If any  purported  Transferee  shall  become  a  Holder  of a  Class R
          Certificate in violation of the  restrictions  in this Section 5.02(f)
          and to the extent that the  retroactive  restoration  of the rights of
          the Holder of such Class R Certificate as described in clause (iii)(A)
          above  shall be  invalid,  illegal or  unenforceable,  then the Master
          Servicer  shall  have the right,  without  notice to the holder or any
          prior  holder  of such  Class R  Certificate,  to  sell  such  Class R
          Certificate  to a purchaser  selected  by the Master  Servicer on such
          terms as the Master  Servicer may choose.  Such  purported  Transferee
          shall  promptly  endorse  and  deliver  each  Class R  Certificate  in
          accordance  with  the  instructions  of  the  Master  Servicer.   Such
          purchaser  may be the Master  Servicer  itself or any Affiliate of the
          Master  Servicer.  The proceeds of such sale,  net of the  commissions
          (which may include  commissions  payable to the Master Servicer or its
          Affiliates),  expenses and taxes due, if any,  will be remitted by the
          Master Servicer to such purported Transferee. The terms and conditions
          of any sale under this clause (iii)(B) shall be determined in the sole
          discretion of the Master  Servicer,  and the Master Servicer shall not
          be liable to any  Person  having an  Ownership  Interest  in a Class R
          Certificate as a result of its exercise of such discretion.

(iv) The Master Servicer, on behalf of the Trustee,  shall make available,  upon
     written request from the Trustee, all information  necessary to compute any
     tax imposed (A) as a result of the Transfer of an  Ownership  Interest in a
     Class R  Certificate  to any  Person  who is a  Disqualified  Organization,
     including the  information  regarding  "excess  inclusions" of such Class R
     Certificates  required to be provided to the Internal  Revenue  Service and
     certain   Persons   as   described   in   Treasury   Regulations   Sections
     1.860D-1(b)(5)  and  1.860E-2(a)(5),  and (B) as a result of any  regulated
     investment  company,  real  estate  investment  trust,  common  trust fund,
     partnership, trust, estate or organization described in Section 1381 of the
     Code that holds an Ownership  Interest in a Class R  Certificate  having as
     among its  record  holders  at any time any  Person  who is a  Disqualified
     Organization. Reasonable compensation for providing such information may be
     required by the Master Servicer from such Person.

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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

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<PAGE>

sufficient to cover any tax or other governmental  charge that may be imposed in
relation thereto and any other expenses  (including the fees and expenses of the
Trustee  and the  Certificate  Registrar)  connected  therewith.  Any  duplicate
Certificate  issued  pursuant to this  Section  shall  constitute  complete  and
indefeasible  evidence of ownership in the Trust Fund, as if originally  issued,
whether or not the lost,  stolen or destroyed  Certificate shall be found at any
time.

Section 5.04.  Persons Deemed Owners.
               ---------------------

        Prior to due presentation of a Certificate for registration of transfer,
the Company,  the Master Servicer,  the Trustee,  any Certificate  Insurer,  the
Certificate  Registrar and any agent of the Company,  the Master  Servicer,  the
Trustee,  any  Certificate  Insurer or the  Certificate  Registrar may treat the
Person  in  whose  name  any  Certificate  is  registered  as the  owner of such
Certificate for the purpose of receiving  distributions pursuant to Section 4.02
and for all other purposes  whatsoever,  except as and to the extent provided in
the  definition  of  "Certificateholder,"  and neither the  Company,  the Master
Servicer,  the Trustee, any Certificate  Insurer, the Certificate  Registrar nor
any agent of the Company,  the Master  Servicer,  the Trustee,  any  Certificate
Insurer or the Certificate Registrar shall be affected by notice to the contrary
except as provided in Section 5.02(f).

Section 5.05.  Appointment of Paying Agent.
               ---------------------------

        The  Trustee  may  appoint  a Paying  Agent  for the  purpose  of making
distributions to the  Certificateholders  pursuant to Section 4.02. In the event
of any  such  appointment,  on or  prior to each  Distribution  Date the  Master
Servicer on behalf of the Trustee  shall  deposit or cause to be deposited  with
the Paying Agent a sum sufficient to make the payments to the Certificateholders
in the amounts and in the manner  provided for in Section  4.02,  such sum to be
held in trust for the benefit of the Certificateholders.

        The Trustee  shall cause each Paying Agent to execute and deliver to the
Trustee an  instrument  in which such Paying  Agent shall agree with the Trustee
that such  Paying  Agent  will hold all sums held by it for the  payment  to the
Certificateholders in trust for the benefit of the  Certificateholders  entitled
thereto  until such sums shall be paid to such  Certificateholders.  Any sums so
held by such Paying Agent shall be held only in Eligible  Accounts to the extent
such sums are not distributed to the  Certificateholders  on the date of receipt
by such Paying Agent.

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<PAGE>

                                   ARTICLE VI

                       THE COMPANY AND THE MASTER SERVICER

Section 6.01.  Respective Liabilities of the Company and the Master Servicer.
               --------------------------------------------------------------

        The Company and the Master  Servicer  shall each be liable in accordance
herewith only to the extent of the  obligations  specifically  and  respectively
imposed upon and undertaken by the Company and the Master  Servicer  herein.  By
way of  illustration  and not  limitation,  the  Company  is not  liable for the
servicing  and  administration  of the  Mortgage  Loans,  nor is it obligated by
Section 7.01 or Section 10.01 to assume any  obligations of the Master  Servicer
or to appoint a designee  to assume such  obligations,  nor is it liable for any
other  obligation  hereunder that it may, but is not obligated to, assume unless
it elects to assume such obligation in accordance herewith.

Section 6.02.  Merger or  Consolidation  of the Company or the Master  Servicer;
     Assignment of Rights and Delegation of Duties by Master Servicer.

(a) The  Company  and the  Master  Servicer  will each keep in full  effect  its
existence, rights and franchises as a corporation under the laws of the state of
its  incorporation,  and will each obtain and preserve its  qualification  to do
business  as  a  foreign   corporation  in  each   jurisdiction  in  which  such
qualification   is  or  shall  be   necessary   to  protect  the   validity  and
enforceability of this Agreement,  the Certificates or any of the Mortgage Loans
and to perform its respective duties under this Agreement.

(b) Any Person  into which the Company or the Master  Servicer  may be merged or
consolidated,  or any corporation  resulting from any merger or consolidation to
which  the  Company  or the  Master  Servicer  shall be a party,  or any  Person
succeeding to the business of the Company or the Master  Servicer,  shall be the
successor of the Company or the Master Servicer,  as the case may be, hereunder,
without the  execution  or filing of any paper or any further act on the part of
any of the parties  hereto,  anything  herein to the  contrary  notwithstanding;
provided, however, that the successor or surviving Person to the Master Servicer
shall be qualified to service  mortgage loans on behalf of Fannie Mae or Freddie
Mac; and  provided  further that each Rating  Agency's  ratings,  if any, of the
Senior,  Class M or Class B  Certificates  in effect  immediately  prior to such
merger or consolidation will not be qualified,  reduced or withdrawn as a result
thereof (as evidenced by a letter to such effect from each Rating Agency).

(c)  Notwithstanding  anything else in this Section 6.02 and Section 6.04 to the
contrary,  the Master Servicer may assign its rights and delegate its duties and
obligations  under  this  Agreement;  provided  that the Person  accepting  such
assignment  or  delegation  shall be a  Person  which is  qualified  to  service
mortgage   loans  on  behalf  of  Fannie  Mae  or  Freddie  Mac,  is  reasonably
satisfactory to the Trustee and the Company,  is willing to service the Mortgage
Loans and executes and delivers to the Company and the Trustee an agreement,  in
form and substance reasonably satisfactory to the Company and the Trustee, which
contains an  assumption by such Person of the due and punctual  performance  and
observance  of each  covenant  and  condition to be performed or observed by the
Master Servicer under this Agreement; provided further that each Rating Agency's

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<PAGE>

rating of the Classes of Certificates that have been rated in effect immediately
prior to such  assignment  and  delegation  will not be  qualified,  reduced  or
withdrawn  as a result of such  assignment  and  delegation  (as  evidenced by a
letter  to such  effect  from  each  Rating  Agency).  In the  case of any  such
assignment  and  delegation,  the Master  Servicer  shall be  released  from its
obligations  under this Agreement,  except that the Master Servicer shall remain
liable for all  liabilities  and  obligations  incurred by it as Master Servicer
hereunder  prior to the  satisfaction  of the conditions to such  assignment and
delegation set forth in the next preceding sentence.

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

        Neither  the  Company,  the Master  Servicer  nor any of the  directors,
officers,  employees  or agents of the Company or the Master  Servicer  shall be
under any liability to the Trust Fund or the  Certificateholders  for any action
taken or for refraining  from the taking of any action in good faith pursuant to
this  Agreement,  or for  errors  in  judgment;  provided,  however,  that  this
provision shall not protect the Company,  the Master Servicer or any such Person
against any breach of warranties or representations made herein or any liability
which would otherwise be imposed by reason of willful misfeasance,  bad faith or
gross negligence in the performance of duties or by reason of reckless disregard
of obligations and duties  hereunder.  The Company,  the Master Servicer and any
director,  officer,  employee or agent of the Company or the Master Servicer may
rely in good faith on any document of any kind prima facie properly executed and
submitted by any Person respecting any matters arising  hereunder.  The Company,
the Master Servicer and any director,  officer, employee or agent of the Company
or the Master  Servicer shall be indemnified by the Trust Fund and held harmless
against any loss,  liability or expense  incurred in  connection  with any legal
action  relating to this  Agreement  or the  Certificates,  other than any loss,
liability or expense  related to any specific  Mortgage  Loan or Mortgage  Loans
(except as any such loss,  liability or expense shall be otherwise  reimbursable
pursuant  to this  Agreement)  and any loss,  liability  or expense  incurred by
reason of willful misfeasance,  bad faith or gross negligence in the performance
of duties hereunder or by reason of reckless disregard of obligations and duties
hereunder.

        Neither  the  Company  nor  the  Master  Servicer  shall  be  under  any
obligation to appear in, prosecute or defend any legal or administrative action,
proceeding,  hearing or  examination  that is not  incidental to its  respective
duties  under this  Agreement  and which in its  opinion  may  involve it in any
expense or liability; provided, however, that the Company or the Master Servicer
may  in its  discretion  undertake  any  such  action,  proceeding,  hearing  or
examination that it may deem necessary or desirable in respect to this Agreement
and the  rights  and  duties of the  parties  hereto  and the  interests  of the
Certificateholders  hereunder.  In such event,  the legal  expenses and costs of
such action,  proceeding,  hearing or  examination  and any liability  resulting
therefrom  shall be expenses,  costs and  liabilities of the Trust Fund, and the
Company and the Master Servicer shall be entitled to be reimbursed  therefor out
of amounts  attributable  to the  Mortgage  Loans on  deposit  in the  Custodial
Account as provided by Section 3.10 and, on the Distribution  Date(s)  following
such reimbursement,  the aggregate of such expenses and costs shall be allocated
in reduction of the Accrued Certificate  Interest on each Class entitled thereto
in the same  manner as if such  expenses  and  costs  constituted  a  Prepayment
Interest Shortfall.

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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.

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ARTICLE VII

<PAGE>

                                     DEFAULT

Section 7.01.  Events of Default.
               -----------------

        Event of Default,  wherever used herein,  means any one of the following
events  (whatever  reason  for such  Event of  Default  and  whether it shall be
voluntary or  involuntary  or be effected by operation of law or pursuant to any
judgment,  decree or order of any court or any order,  rule or regulation of any
administrative or governmental body):

(i)     the Master  Servicer shall fail to distribute or cause to be distributed
        to the Holders of Certificates of any Class any distribution required to
        be made  under  the  terms of the  Certificates  of such  Class and this
        Agreement and, in either case,  such failure shall  continue  unremedied
        for a period of 5 days after the date upon which written  notice of such
        failure, requiring such failure to be remedied, shall have been given to
        the  Master  Servicer  by the  Trustee  or the  Company or to the Master
        Servicer,  the Company and the Trustee by the Holders of Certificates of
        such Class  evidencing  Percentage  Interests  aggregating not less than
        25%; or

(ii) the Master  Servicer  shall  fail to  observe  or  perform in any  material
     respect any other of the  covenants or agreements on the part of the Master
     Servicer  contained in the  Certificates  of any Class or in this Agreement
     and such failure shall continue  unremedied for a period of 30 days (except
     that such  number of days  shall be 15 in the case of a failure  to pay the
     premium for any Required  Insurance Policy) after the date on which written
     notice of such failure,  requiring the same to be remedied, shall have been
     given to the  Master  Servicer  by the  Trustee or the  Company,  or to the
     Master Servicer, the Company and the Trustee by the Holders of Certificates
     of  any  Class  evidencing,  in the  case  of any  such  Class,  Percentage
     Interests aggregating not less than 25%; or

(iii)   a decree or order of a court or agency or supervisory  authority  having
        jurisdiction in the premises in an involuntary case under any present or
        future  federal  or  state  bankruptcy,  insolvency  or  similar  law or
        appointing a conservator  or receiver or  liquidator in any  insolvency,
        readjustment  of debt,  marshalling of assets and liabilities or similar
        proceedings,  or for the winding-up or liquidation of its affairs, shall
        have been entered  against the Master  Servicer and such decree or order
        shall have remained in force undischarged or unstayed for a period of 60
        days; or

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

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

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<PAGE>

(vi)    the Master Servicer shall notify the Trustee pursuant to Section 4.04(b)
        that it is unable to deposit in the Certificate  Account an amount equal
        to the Advance.

        If an Event of  Default  described  in clauses  (i)-(v) of this  Section
shall  occur,  then,  and in each and every such case,  so long as such Event of
Default shall not have been remedied, either the Company or the Trustee may, and
at the  direction  of Holders of  Certificates  entitled  to at least 51% of the
Voting Rights,  the Trustee shall,  by notice in writing to the Master  Servicer
(and to the  Company if given by the  Trustee or to the  Trustee if given by the
Company),  terminate all of the rights and  obligations  of the Master  Servicer
under this Agreement and in and to the Mortgage Loans and the proceeds  thereof,
other than its rights as a Certificateholder  hereunder.  If an Event of Default
described in clause (vi) hereof shall occur, the Trustee shall, by notice to the
Master  Servicer and the Company,  immediately  terminate  all of the rights and
obligations  of the  Master  Servicer  under  this  Agreement  and in and to the
Mortgage  Loans  and  the  proceeds   thereof,   other  than  its  rights  as  a
Certificateholder  hereunder  as  provided in Section  4.04(b).  On or after the
receipt by the Master Servicer of such written  notice,  all authority and power
of the  Master  Servicer  under  this  Agreement,  whether  with  respect to the
Certificates  (other  than  as a  Holder  thereof)  or  the  Mortgage  Loans  or
otherwise, shall subject to Section 7.02 pass to and be vested in the Trustee or
the  Trustee's  designee  appointed  pursuant  to  Section  7.02;  and,  without
limitation,  the  Trustee is hereby  authorized  and  empowered  to execute  and
deliver, on behalf of the Master Servicer, as attorney-in-fact or otherwise, any
and all documents and other instruments,  and to do or accomplish all other acts
or things  necessary  or  appropriate  to effect the  purposes of such notice of
termination,  whether to complete the transfer and  endorsement or assignment of
the Mortgage  Loans and related  documents,  or otherwise.  The Master  Servicer
agrees to cooperate with the Trustee in effecting the  termination of the Master
Servicer's responsibilities and rights hereunder, including, without limitation,
the transfer to the Trustee or its designee for administration by it of all cash
amounts  which  shall at the time be credited  to the  Custodial  Account or the
Certificate  Account or  thereafter  be received  with  respect to the  Mortgage
Loans. No such  termination  shall release the Master Servicer for any liability
that it would  otherwise  have  hereunder  for any act or omission  prior to the
effective time of such termination.

        Notwithstanding any termination of the activities of Residential Funding
in its  capacity as Master  Servicer  hereunder,  Residential  Funding  shall be
entitled  to  receive,  out of any late  collection  of a Monthly  Payment  on a
Mortgage  Loan  which  was  due  prior  to the  notice  terminating  Residential
Funding's rights and obligations as Master Servicer hereunder and received after
such notice,  that portion to which Residential Funding would have been entitled
pursuant to Sections 3.10(a)(ii), (vi) and (vii) as well as its Servicing Fee in
respect thereof,  and any other amounts payable to Residential Funding hereunder
the  entitlement  to which  arose  prior to the  termination  of its  activities
hereunder.  Upon the  termination  of  Residential  Funding  as Master  Servicer
hereunder the Company shall deliver to the Trustee a copy of the Program Guide.

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<PAGE>

Section 7.02.  Trustee or Company to Act; Appointment of Successor.
               ----------------------------------------------------

(a) On and after the time the Master  Servicer  receives a notice of termination
pursuant to Section 7.01 or resigns in accordance with Section 6.04, the Trustee
or, upon notice to the Company and with the Company's  consent  (which shall not
be unreasonably withheld) a designee (which meets the standards set forth below)
of the Trustee, shall be the successor in all respects to the Master Servicer in
its capacity as servicer under this Agreement and the  transactions set forth or
provided for herein and shall be subject to all the responsibilities, duties and
liabilities  relating  thereto  placed on the Master  Servicer  (except  for the
responsibilities, duties and liabilities contained in Sections 2.02 and 2.03(a),
excluding  the duty to notify  related  Subservicers  or Sellers as set forth in
such  Sections,  and its  obligations  to  deposit  amounts in respect of losses
incurred  prior to such notice or  termination on the investment of funds in the
Custodial  Account or the Certificate  Account  pursuant to Sections 3.07(c) and
4.01(b) by the terms and provisions hereof); provided, however, that any failure
to  perform  such  duties or  responsibilities  caused by the  preceding  Master
Servicer's failure to provide information  required by Section 4.04 shall not be
considered a default by the Trustee  hereunder.  As compensation  therefor,  the
Trustee shall be entitled to all funds  relating to the Mortgage Loans which the
Master  Servicer would have been entitled to charge to the Custodial  Account or
the  Certificate  Account if the Master  Servicer had continued to act hereunder
and, in addition, shall be entitled to the income from any Permitted Investments
made with  amounts  attributable  to the  Mortgage  Loans held in the  Custodial
Account or the Certificate  Account.  If the Trustee has become the successor to
the Master  Servicer in  accordance  with  Section  6.04 or Section  7.01,  then
notwithstanding  the above, the Trustee may, if it shall be unwilling to so act,
or shall, if it is unable to so act,  appoint,  or petition a court of competent
jurisdiction to appoint,  any established housing and home finance  institution,
which  is  also  a  Fannie  Mae-  or  Freddie  Mac-approved  mortgage  servicing
institution, having a net worth of not less than $10,000,000 as the successor to
the  Master  Servicer  hereunder  in the  assumption  of all or any  part of the
responsibilities,  duties  or  liabilities  of the  Master  Servicer  hereunder.
Pending appointment of a successor to the Master Servicer hereunder, the Trustee
shall become  successor to the Master Servicer and shall act in such capacity as
hereinabove  provided.  In connection with such appointment and assumption,  the
Trustee may make such arrangements for the compensation of such successor out of
payments on  Mortgage  Loans as it and such  successor  shall  agree;  provided,
however,  that no such  compensation  shall be in excess of that  permitted  the
initial Master Servicer hereunder.  The Company,  the Trustee, the Custodian and
such successor shall take such action,  consistent with this Agreement, as shall
be  necessary to  effectuate  any such  succession.  The  Servicing  Fee for any
successor  Master  Servicer  appointed  pursuant  to this  Section  7.02 will be
lowered with respect to those Mortgage Loans, if any, where the Subservicing Fee
accrues at a rate of less than  0.20% per annum in the event that the  successor
Master  Servicer  is  not  servicing  such  Mortgage  Loans  directly  and it is
necessary to raise the related  Subservicing Fee to a rate of 0.20% per annum in
order to hire a Subservicer with respect to such Mortgage Loans.

        (b) In connection  with the  termination  or  resignation  of the Master
Servicer  hereunder,  either (i) the successor  Master  Servicer,  including the
Trustee if the Trustee is acting as successor Master  Servicer,  shall represent
and  warrant  that it is a member of MERS in good  standing  and shall  agree to
comply  in all  material  respects  with the  rules  and  procedures  of MERS in
connection  with the servicing of the Mortgage  Loans that are  registered  with
MERS, in which case the  predecessor  Master  Servicer shall  cooperate with the
successor  Master  Servicer in causing MERS to revise its records to reflect the
transfer of servicing to the successor  Master Servicer as necessary under MERS'
rules and regulations,  or (ii) the predecessor  Master Servicer shall cooperate
with the  successor  Master  Servicer in causing  MERS to execute and deliver an

                                       85
<PAGE>

the Trustee and to execute and deliver such other  notices,  documents and other
instruments  as may be  necessary  or  desirable  to effect a  transfer  of such
Mortgage Loan or servicing of such  Mortgage  Loan on the MERS(R)  System to the
successor Master Servicer.  The predecessor  Master Servicer shall file or cause
to be  filed  any such  assignment  in the  appropriate  recording  office.  The
predecessor  Master  Servicer  shall  bear any and all  fees of  MERS,  costs of
preparing  any  assignments  of  Mortgage,  and fees and  costs  of  filing  any
assignments  of Mortgage  that may be required  under this  subsection  (b). The
successor  Master  Servicer  shall cause such  assignment to be delivered to the
Trustee or the Custodian  promptly upon receipt of the original with evidence of
recording  thereon or a copy certified by the public  recording  office in which
such assignment was recorded.

Section 7.03.  Notification to Certificateholders.
               -----------------------------------

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

(b) Within 60 days after the  occurrence  of any Event of  Default,  the Trustee
shall transmit by mail to all Holders of Certificates  notice of each such Event
of Default  hereunder  known to the Trustee,  unless such Event of Default shall
have been cured or waived.

Section 7.04.  Waiver of Events of Default.
               ----------------------------

        The Holders representing at least 66% of the Voting Rights affected by a
default  or Event of  Default  hereunder  may  waive  such  default  or Event of
Default; provided,  however, that (a) a default or Event of Default under clause
(i) of Section  7.01 may be waived  only by all of the  Holders of  Certificates
affected by such default or Event of Default and (b) no waiver  pursuant to this
Section 7.04 shall affect the Holders of Certificates in the manner set forth in
Section  11.01(b)(i)  or (ii).  Upon any such  waiver of a  default  or Event of
Default by the Holders  representing  the requisite  percentage of Voting Rights
affected by such  default or Event of Default,  such default or Event of Default
shall cease to exist and shall be deemed to have been remedied for every purpose
hereunder.  No such waiver shall extend to any  subsequent  or other  default or
Event of  Default or impair any right  consequent  thereon  except to the extent
expressly so waived.

                                       86
<PAGE>

                                  ARTICLE VIII

                             CONCERNING THE TRUSTEE

Section 8.01.  Duties of Trustee.
               -----------------

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

(b) The Trustee,  upon  receipt of all  resolutions,  certificates,  statements,
opinions,  reports,  documents,  orders or other  instruments  furnished  to the
Trustee  which  are  specifically  required  to be  furnished  pursuant  to  any
provision  of this  Agreement,  shall  examine  them to  determine  whether they
conform to the  requirements  of this  Agreement.  The Trustee  shall notify the
Certificateholders  of any such documents which do not materially conform to the
requirements  of  this  Agreement  in the  event  that  the  Trustee,  after  so
requesting, does not receive satisfactorily corrected documents.

        The Trustee shall  forward or cause to be forwarded in a timely  fashion
the  notices,  reports and  statements  required to be  forwarded by the Trustee
pursuant to Sections 4.03,  4.06, 7.03 and 10.01. The Trustee shall furnish in a
timely fashion to the Master  Servicer such  information as the Master  Servicer
may reasonably  request from time to time for the Master Servicer to fulfill its
duties as set forth in this Agreement.  The Trustee covenants and agrees that it
shall perform its obligations hereunder in a manner so as to maintain the status
of any portion of any REMIC formed under the Series  Supplement as a REMIC under
the REMIC Provisions and (subject to Section 10.01(f)) to prevent the imposition
of any federal, state or local income,  prohibited transaction,  contribution or
other tax on the Trust  Fund to the  extent  that  maintaining  such  status and
avoiding  such taxes are  reasonably  within the  control of the Trustee and are
reasonably within the scope of its duties under this Agreement.

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

(i)  Prior to the  occurrence  of an Event of  Default,  and after the curing or
     waiver of all such Events of Default  which may have  occurred,  the duties
     and  obligations  of the Trustee shall be determined  solely by the express
     provisions  of this  Agreement,  the Trustee shall not be liable except for
     the  performance  of such duties and  obligations as are  specifically  set
     forth in this Agreement,  no implied covenants or obligations shall be read
     into this Agreement against the Trustee and, in the absence of bad faith on
     the part of the Trustee, the Trustee may conclusively rely, as to the truth
     of the statements and the  correctness of the opinions  expressed  therein,
     upon any  certificates or opinions  furnished to the Trustee by the Company
     or the Master  Servicer  and which on their  face,  do not  contradict  the
     requirements of this Agreement;

                                       87
<PAGE>

(ii)    The Trustee shall not be personally liable for an error of judgment made
        in good faith by a Responsible  Officer or  Responsible  Officers of the
        Trustee,  unless it shall be proved that the Trustee  was  negligent  in
        ascertaining the pertinent facts;

(iii)   The Trustee  shall not be  personally  liable with respect to any action
        taken, suffered or omitted to be taken by it in good faith in accordance
        with  the   direction  of   Certificateholders   of  any  Class  holding
        Certificates  which  evidence,  as to such Class,  Percentage  Interests
        aggregating  not  less  than 25% as to the  time,  method  and  place of
        conducting any proceeding  for any remedy  available to the Trustee,  or
        exercising  any trust or power  conferred  upon the Trustee,  under this
        Agreement;

(iv)    The Trustee  shall not be charged with  knowledge of any default  (other
        than a default in payment to the  Trustee)  specified in clauses (i) and
        (ii) of Section 7.01 or an Event of Default  under clauses  (iii),  (iv)
        and (v) of Section  7.01  unless a  Responsible  Officer of the  Trustee
        assigned to and working in the  Corporate  Trust Office  obtains  actual
        knowledge  of such  failure  or event or the  Trustee  receives  written
        notice of such failure or event at its  Corporate  Trust Office from the
        Master Servicer, the Company or any Certificateholder; and

(v)     Except to the extent  provided in Section  7.02,  no  provision  in this
        Agreement  shall  require  the  Trustee  to expend or risk its own funds
        (including,  without limitation, the making of any Advance) or otherwise
        incur any personal financial  liability in the performance of any of its
        duties as Trustee hereunder,  or in the exercise of any of its rights or
        powers, if the Trustee shall have reasonable  grounds for believing that
        repayment of funds or adequate  indemnity against such risk or liability
        is not reasonably assured to it.

(d) The Trustee shall timely pay, from its own funds,  the amount of any and all
federal,  state and local  taxes  imposed  on the  Trust  Fund or its  assets or
transactions including, without limitation, (A) "prohibited transaction" penalty
taxes as defined in Section 860F of the Code,  if, when and as the same shall be
due and payable,  (B) any tax on contributions to a REMIC after the Closing Date
imposed  by  Section  860G(d)  of the Code and (C) any tax on "net  income  from
foreclosure  property"  as defined in Section  860G(c) of the Code,  but only if
such taxes  arise out of a breach by the Trustee of its  obligations  hereunder,
which breach constitutes negligence or willful misconduct of the Trustee.

Section 8.02.  Certain Matters Affecting the Trustee.

(a)     Except as otherwise provided in Section 8.01:

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

                                       88
<PAGE>

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

(iii)The Trustee  shall be under no  obligation to exercise any of the trusts or
     powers vested in it by this  Agreement or to  institute,  conduct or defend
     any  litigation  hereunder or in relation  hereto at the request,  order or
     direction of any of the  Certificateholders,  pursuant to the provisions of
     this Agreement,  unless such  Certificateholders  shall have offered to the
     Trustee  reasonable  security or indemnity against the costs,  expenses and
     liabilities  which may be incurred  therein or thereby;  nothing  contained
     herein  shall,  however,  relieve the Trustee of the  obligation,  upon the
     occurrence of an Event of Default (which has not been cured or waived),  to
     exercise such of the rights and powers vested in it by this Agreement,  and
     to use the same  degree  of care and skill in their  exercise  as a prudent
     investor  would exercise or use under the  circumstances  in the conduct of
     such investor's own affairs;

(iv) The Trustee shall not be personally  liable for any action taken,  suffered
     or omitted  by it in good  faith and  believed  by it to be  authorized  or
     within  the  discretion  or  rights  or  powers  conferred  upon it by this
     Agreement;

(v)  Prior to the  occurrence  of an Event of  Default  hereunder  and after the
     curing or waiver of all  Events of  Default  which may have  occurred,  the
     Trustee  shall  not be bound to make any  investigation  into the  facts or
     matters  stated  in any  resolution,  certificate,  statement,  instrument,
     opinion,  report, notice, request,  consent, order, approval, bond or other
     paper or  document,  unless  requested  in  writing  so to do by Holders of
     Certificates  of  any  Class  evidencing,  as  to  such  Class,  Percentage
     Interests,  aggregating not less than 50%; provided,  however,  that if the
     payment within a reasonable  time to the Trustee of the costs,  expenses or
     liabilities likely to be incurred by it in the making of such investigation
     is, in the opinion of the Trustee, not reasonably assured to the Trustee by
     the security afforded to it by the terms of this Agreement, the Trustee may
     require  reasonable  indemnity  against  such  expense  or  liability  as a
     condition  to  so  proceeding.   The  reasonable   expense  of  every  such
     examination  shall be paid by the Master  Servicer,  if an Event of Default
     shall   have   occurred   and  is   continuing,   and   otherwise   by  the
     Certificateholder requesting the investigation;

(vi)    The Trustee may execute any of the trusts or powers hereunder or perform
        any  duties  hereunder  either  directly  or by  or  through  agents  or
        attorneys; and

(vii)To the extent  authorized  under the Code and the  regulations  promulgated
     thereunder,  each  Holder  of a  Class  R  Certificate  hereby  irrevocably
     appoints and authorizes the Trustee to be its attorney-in-fact for purposes
     of  signing  any Tax  Returns  required  to be filed on behalf of the Trust
     Fund. The Trustee shall sign on behalf of the Trust Fund and deliver to the
     Master Servicer in a timely manner any Tax Returns prepared by or on behalf
     of the Master  Servicer  that the Trustee is required to sign as determined
     by the Master Servicer pursuant to applicable  federal,  state or local tax
     laws,  provided that the Master  Servicer  shall  indemnify the Trustee for
     signing any such Tax Returns that contain errors or omissions.

                                       89
<PAGE>

(b) Following the issuance of the Certificates, the Trustee shall not accept any
contribution of assets to the Trust Fund unless (subject to Section 10.01(f)) it
shall have obtained or been  furnished  with an Opinion of Counsel to the effect
that such  contribution will not (i) cause any portion of any REMIC formed under
the  Series  Supplement  to fail to  qualify  as a REMIC  at any  time  that any
Certificates  are  outstanding or (ii) cause the Trust Fund to be subject to any
federal tax as a result of such  contribution  (including  the imposition of any
federal tax on "prohibited  transactions"  imposed under Section  860F(a) of the
Code).

Section 8.03.  Trustee Not Liable for Certificates or Mortgage Loans.

        The recitals  contained herein and in the  Certificates  (other than the
execution of the  Certificates and relating to the acceptance and receipt of the
Mortgage  Loans) shall be taken as the  statements  of the Company or the Master
Servicer as the case may be, and the Trustee assumes no responsibility for their
correctness.  The  Trustee  makes  no  representations  as to  the  validity  or
sufficiency  of  this  Agreement  or  of  the  Certificates   (except  that  the
Certificates  shall be duly and  validly  executed  and  authenticated  by it as
Certificate  Registrar) or of any Mortgage Loan or related document,  or of MERS
or the MERS(R) System.  Except as otherwise  provided herein,  the Trustee shall
not be  accountable  for the use or  application  by the  Company  or the Master
Servicer of any of the Certificates or of the proceeds of such Certificates,  or
for the use or  application  of any  funds  paid to the  Company  or the  Master
Servicer in respect of the Mortgage  Loans or deposited in or withdrawn from the
Custodial  Account  or the  Certificate  Account  by the  Company  or the Master
Servicer.

Section 8.04.  Trustee May Own Certificates.

        The Trustee in its individual or any other capacity may become the owner
or pledgee  of  Certificates  with the same  rights it would have if it were not
Trustee.

Section 8.05.  Master Servicer to Pay Trustee's Fees
                      and Expenses; Indemnification.

(a) The  Master  Servicer  covenants  and agrees to pay to the  Trustee  and any
co-trustee  from  time to time,  and the  Trustee  and any  co-trustee  shall be
entitled  to,  reasonable  compensation  (which  shall  not  be  limited  by any
provision of law in regard to the compensation of a trustee of an express trust)
for all services  rendered by each of them in the execution of the trusts hereby
created  and in the  exercise  and  performance  of any of the powers and duties
hereunder of the Trustee and any co-trustee, and the Master Servicer will pay or
reimburse  the  Trustee  and any  co-trustee  upon  request  for all  reasonable
expenses,  disbursements  and  advances  incurred  or made by the Trustee or any
co-trustee in accordance with any of the provisions of this Agreement (including
the reasonable  compensation  and the expenses and  disbursements of its counsel
and of all persons not regularly in its employ, and the expenses incurred by the
Trustee or any  co-trustee in connection  with the  appointment  of an office or
agency  pursuant  to Section  8.12)  except any such  expense,  disbursement  or
advance as may arise from its negligence or bad faith.

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(b) The Master  Servicer  agrees to  indemnify  the Trustee for, and to hold the
Trustee  harmless  against,  any loss,  liability  or expense  incurred  without
negligence or willful  misconduct on the Trustee's  part,  arising out of, or in
connection with, the acceptance and administration of the Trust Fund,  including
the costs  and  expenses  (including  reasonable  legal  fees and  expenses)  of
defending   itself  against  any  claim  in  connection  with  the  exercise  or
performance  of any of its  powers  or  duties  under  this  Agreement  and  the
Custodial Agreement, provided that:

(i)     with respect to any such claim,  the Trustee shall have given the Master
        Servicer  written notice  thereof  promptly after the Trustee shall have
        actual knowledge thereof;

(ii)    while  maintaining  control  over its own  defense,  the  Trustee  shall
        cooperate and consult fully with the Master  Servicer in preparing  such
        defense; and

(iii)   notwithstanding  anything in this Agreement to the contrary,  the Master
        Servicer  shall not be liable for settlement of any claim by the Trustee
        entered  into  without the prior  consent of the Master  Servicer  which
        consent shall not be unreasonably withheld.

No termination of this Agreement  shall affect the  obligations  created by this
Section  8.05(b) of the Master  Servicer  to  indemnify  the  Trustee  under the
conditions and to the extent set forth herein.

        Notwithstanding  the  foregoing,  the  indemnification  provided  by the
Master Servicer in this Section 8.05(b) shall not pertain to any loss, liability
or expense of the Trustee,  including the costs and expenses of defending itself
against any claim,  incurred in connection with any actions taken by the Trustee
at the  direction  of the  Certificateholders  pursuant  to the  terms  of  this
Agreement.

Section 8.06.  Eligibility Requirements for Trustee.
               ------------------------------------

        The Trustee  hereunder shall at all times be a corporation or a national
banking  association  having its principal office in a state and city acceptable
to the Company and organized and doing  business under the laws of such state or
the United States of America,  authorized under such laws to exercise  corporate
trust powers,  having a combined capital and surplus of at least $50,000,000 and
subject to supervision or  examination  by federal or state  authority.  If such
corporation or national banking  association  publishes  reports of condition at
least  annually,  pursuant  to  law  or to the  requirements  of  the  aforesaid
supervising  or examining  authority,  then for the purposes of this Section the
combined  capital  and  surplus  of such  corporation  shall be deemed to be its
combined capital and surplus as set forth in its most recent report of condition
so  published.  In case at any time the  Trustee  shall  cease to be eligible in
accordance  with the  provisions  of this  Section,  the  Trustee  shall  resign
immediately in the manner and with the effect specified in Section 8.07.

Section 8.07.  Resignation and Removal of the Trustee.
               --------------------------------------

(a) The Trustee may at any time resign and be discharged  from the trusts hereby
created by giving  written  notice  thereof to the Company.  Upon receiving such
notice of resignation, the Company shall promptly appoint a successor trustee by

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written  instrument,  in  duplicate,  one  copy of  which  instrument  shall  be
delivered to the resigning Trustee and one copy to the successor trustee.  If no
successor  trustee shall have been so appointed  and have  accepted  appointment
within 30 days after the giving of such  notice of  resignation,  the  resigning
Trustee may petition any court of competent  jurisdiction for the appointment of
a successor trustee.

(b) If at any time the Trustee shall cease to be eligible in accordance with the
provisions  of  Section  8.06 and shall  fail to resign  after  written  request
therefor by the Company, or if at any time the Trustee shall become incapable of
acting, or shall be adjudged bankrupt or insolvent, or a receiver of the Trustee
or of its property  shall be appointed,  or any public officer shall take charge
or  control of the  Trustee or of its  property  or affairs  for the  purpose of
rehabilitation,  conservation  or  liquidation,  then the Company may remove the
Trustee and appoint a successor trustee by written instrument, in duplicate, one
copy of which  instrument  shall be  delivered to the Trustee so removed and one
copy to the  successor  trustee.  In  addition,  in the event  that the  Company
determines  that  the  Trustee  has  failed  (i) to  distribute  or  cause to be
distributed  to the  Certificateholders  any amount  required to be  distributed
hereunder, if such amount is held by the Trustee or its Paying Agent (other than
the Master  Servicer  or the  Company)  for  distribution  or (ii) to  otherwise
observe or perform in any material  respect any of its covenants,  agreements or
obligations  hereunder,  and such failure shall continue unremedied for a period
of 5 days (in respect of clause (i) above) or 30 days (in respect of clause (ii)
above) after the date on which written  notice of such failure,  requiring  that
the same be remedied,  shall have been given to the Trustee by the Company, then
the Company  may remove the  Trustee and appoint a successor  trustee by written
instrument  delivered as provided in the preceding sentence.  In connection with
the appointment of a successor trustee pursuant to the preceding  sentence,  the
Company  shall,  on or  before  the date on which any such  appointment  becomes
effective,  obtain  from  each  Rating  Agency  written  confirmation  that  the
appointment  of any such  successor  trustee will not result in the reduction of
the  ratings  on any  class of the  Certificates  below  the  lesser of the then
current or original ratings on such Certificates.

(c) The Holders of  Certificates  entitled to at least 51% of the Voting  Rights
may at any time remove the  Trustee  and appoint a successor  trustee by written
instrument  or  instruments,  in  triplicate,  signed by such  Holders  or their
attorneys-in-fact  duly authorized,  one complete set of which instruments shall
be delivered to the Company,  one complete set to the Trustee so removed and one
complete set to the successor so appointed.

(d) Any  resignation  or removal of the Trustee and  appointment  of a successor
trustee pursuant to any of the provisions of this Section shall become effective
upon  acceptance of appointment by the successor  trustee as provided in Section
8.08.

Section 8.08.  Successor Trustee.
               -----------------

(a) Any successor  trustee  appointed as provided in Section 8.07 shall execute,
acknowledge  and  deliver  to the  Company  and to its  predecessor  trustee  an
instrument accepting such appointment  hereunder,  and thereupon the resignation
or removal of the predecessor  trustee shall become effective and such successor
trustee shall become effective and such successor  trustee,  without any further
act, deed or conveyance,  shall become fully vested with all the rights, powers,

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duties and obligations of its predecessor hereunder,  with the like effect as if
originally named as trustee herein. The predecessor trustee shall deliver to the
successor  trustee all Mortgage Files and related  documents and statements held
by it hereunder  (other than any Mortgage Files at the time held by a Custodian,
which  shall  become  the agent of any  successor  trustee  hereunder),  and the
Company,  the Master  Servicer and the  predecessor  trustee  shall  execute and
deliver such  instruments and do such other things as may reasonably be required
for more fully and certainly vesting and confirming in the successor trustee all
such rights, powers, duties and obligations.

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

(c) Upon  acceptance of appointment  by a successor  trustee as provided in this
Section,  the  Company  shall  mail  notice of the  succession  of such  trustee
hereunder  to all Holders of  Certificates  at their  addresses  as shown in the
Certificate  Register.  If the Company  fails to mail such notice within 10 days
after acceptance of appointment by the successor trustee,  the successor trustee
shall cause such notice to be mailed at the expense of the Company.

Section 8.09.  Merger or Consolidation of Trustee.
               ----------------------------------

        Any corporation or national  banking  association into which the Trustee
may be  merged  or  converted  or  with  which  it may  be  consolidated  or any
corporation  or  national  banking   association   resulting  from  any  merger,
conversion  or  consolidation  to which  the  Trustee  shall be a party,  or any
corporation or national  banking  association  succeeding to the business of the
Trustee,  shall  be  the  successor  of the  Trustee  hereunder,  provided  such
corporation  or  national  banking  association  shall  be  eligible  under  the
provisions of Section 8.06,  without the execution or filing of any paper or any
further act on the part of any of the  parties  hereto,  anything  herein to the
contrary  notwithstanding.  The Trustee  shall mail notice of any such merger or
consolidation  to the  Certificateholders  at  their  address  as  shown  in the
Certificate Register.

Section 8.10.  Appointment of Co-Trustee or Separate Trustee.
               ---------------------------------------------

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

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<PAGE>

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

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

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

Section 8.11.  Appointment of Custodians.
               -------------------------

        The  Trustee  may,  with the  consent  of the  Master  Servicer  and the
Company,  appoint one or more  Custodians who are not Affiliates of the Company,
the Master Servicer or any Seller to hold all or a portion of the Mortgage Files
as agent for the Trustee,  by entering  into a Custodial  Agreement.  Subject to
Article  VIII,  the Trustee  agrees to comply  with the terms of each  Custodial
Agreement and to enforce the terms and provisions  thereof against the Custodian
for the benefit of the Certificateholders.  Each Custodian shall be a depository
institution  subject to supervision by federal or state authority,  shall have a
combined  capital and surplus of at least  $15,000,000 and shall be qualified to
do  business  in the  jurisdiction  in which it holds any  Mortgage  File.  Each
Custodial  Agreement  may be amended  only as  provided  in Section  11.01.  The
Trustee shall notify the  Certificateholders of the appointment of any Custodian
(other than the  Custodian  appointed as of the Closing  Date)  pursuant to this
Section 8.11.

Section 8.12.  Appointment of Office or Agency.
               -------------------------------

        The Trustee will maintain an office or agency in the City of New York at
the  address  designated  in  Section  11.05  of  the  Series  Supplement  where

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<PAGE>

Certificates  may be surrendered for  registration of transfer or exchange.  The
Trustee will  maintain an office at the address  stated in Section  11.05 of the
Series Supplement where notices and demands to or upon the Trustee in respect of
this Agreement may be served.

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<PAGE>

                                   ARTICLE IX

              TERMINATION OR OPTIONAL PURCHASE OF ALL CERTIFICATES

Section 9.01.  Optional  Purchase by the Master  Servicer  of All  Certificates;
     Termination  Upon  Purchase by the Master  Servicer or  Liquidation  of All
     Mortgage Loans

(a) Subject to Section 9.02, the respective  obligations and responsibilities of
the Company,  the Master  Servicer and the Trustee  created hereby in respect of
the  Certificates  (other than the  obligation  of the  Trustee to make  certain
payments  after  the  Final  Distribution  Date  to  Certificateholders  and the
obligation  of the Company to send  certain  notices as  hereinafter  set forth)
shall  terminate upon the last action required to be taken by the Trustee on the
Final Distribution Date pursuant to this Article IX following the earlier of:

(i)  the later of the final  payment or other  liquidation  (or any Advance with
     respect  thereto) of the last Mortgage Loan  remaining in the Trust Fund or
     the disposition of all property  acquired upon  foreclosure or deed in lieu
     of foreclosure of any Mortgage Loan, or

(ii) the purchase by the Master  Servicer of all Mortgage Loans and all property
     acquired in respect of any Mortgage  Loan  remaining in the Trust Fund at a
     price equal to 100% of the unpaid  principal  balance of each Mortgage Loan
     or, if less than such unpaid  principal  balance,  the fair market value of
     the related  underlying  property  of such  Mortgage  Loan with  respect to
     Mortgage  Loans as to which  title has been  acquired  if such fair  market
     value is less than such unpaid  principal  balance (net of any unreimbursed
     Advances  attributable  to principal) on the day of repurchase plus accrued
     interest thereon at the Net Mortgage Rate (or Modified Net Mortgage Rate in
     the case of any Modified  Mortgage Loan) to, but not  including,  the first
     day of the month in which such repurchase  price is distributed,  provided,
     however,  that in no event shall the trust created hereby  continue  beyond
     the  expiration  of 21 years  from the  death of the last  survivor  of the
     descendants of Joseph P. Kennedy,  the late ambassador of the United States
     to the Court of St. James,  living on the date hereof and provided  further
     that the purchase price set forth above shall be increased as is necessary,
     as  determined by the Master  Servicer,  to avoid  disqualification  of any
     portion of any REMIC formed under the Series Supplement as a REMIC.

        The right of the Master Servicer to purchase all the assets of the Trust
Fund pursuant to clause (ii) above is conditioned upon the Pool Stated Principal
Balance  as  of  the  Final   Distribution  Date,  prior  to  giving  effect  to
distributions to be made on such Distribution  Date, being less than ten percent
of the Cut-off Date Principal Balance of the Mortgage Loans.

        If such right is exercised by the Master  Servicer,  the Master Servicer
shall be deemed to have been reimbursed for the full amount of any  unreimbursed
Advances theretofore made by it with respect to the Mortgage Loans. In addition,
the Master Servicer shall provide to the Trustee the  certification  required by
Section 3.15 and the Trustee and any Custodian shall, promptly following payment
of the  purchase  price,  release  to the Master  Servicer  the  Mortgage  Files
pertaining to the Mortgage Loans being purchased.

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<PAGE>

        In addition to the foregoing, on any Distribution Date on which the Pool
Stated Principal Balance,  prior to giving effect to distributions to be made on
such  Distribution  Date, is less than ten percent of the Cut-off Date Principal
Balance of the Mortgage Loans,  the Master Servicer shall have the right, at its
option, to purchase the Certificates in whole, but not in part, at a price equal
to the outstanding  Certificate  Principal Balance of such Certificates plus the
sum of Accrued  Certificate  Interest  thereon for the related  Interest Accrual
Period and any previously  unpaid Accrued  Certificate  Interest.  If the Master
Servicer  exercises  this right to purchase the  outstanding  Certificates,  the
Master  Servicer  will  promptly   terminate  the  respective   obligations  and
responsibilities  created hereby in respect of the Certificates pursuant to this
Article IX.

(b) The Master  Servicer  shall give the  Trustee  not less than 60 days'  prior
notice of the  Distribution  Date on which the Master Servicer  anticipates that
the final distribution will be made to  Certificateholders  (whether as a result
of the  exercise by the Master  Servicer of its right to purchase  the assets of
the Trust Fund or otherwise) or on which the Master  Servicer  anticipates  that
the  Certificates  will be purchased  (as a result of the exercise by the Master
Servicer to purchase the  outstanding  Certificates).  Notice of any termination
specifying the anticipated  Final  Distribution Date (which shall be a date that
would otherwise be a Distribution  Date) upon which the  Certificateholders  may
surrender their Certificates to the Trustee (if so required by the terms hereof)
for payment of the final distribution and cancellation or notice of any purchase
of the outstanding Certificates, specifying the Distribution Date upon which the
Holders may surrender their  Certificates  to the Trustee for payment,  shall be
given promptly by the Master Servicer (if it is exercising its right to purchase
the assets of the Trust Fund or to purchase the outstanding Certificates), or by
the Trustee (in any other case) by letter to the  Certificateholders  mailed not
earlier  than the 15th day and not  later  than the 25th day of the  month  next
preceding the month of such final distribution specifying:

(i)     the anticipated Final  Distribution Date upon which final payment of the
        Certificates is anticipated to be made upon  presentation  and surrender
        of  Certificates  at  the  office  or  agency  of  the  Trustee  therein
        designated where required  pursuant to this Agreement or, in the case of
        the purchase by the Master Servicer of the outstanding Certificates, the
        Distribution Date on which such purchase is to be made,

(ii)    the amount of any such final payment,  or in the case of the purchase of
        the  outstanding  Certificates,  the purchase  price, in either case, if
        known, and

(iii)   that the Record Date otherwise  applicable to such  Distribution Date is
        not applicable,  and in the case of the Senior  Certificates,  or in the
        case of all of the  Certificates  in connection with the exercise by the
        Master Servicer of its right to purchase the Certificates,  that payment
        will be made only upon presentation and surrender of the Certificates at
        the office or agency of the Trustee therein specified.

If the Master  Servicer is  obligated  to give notice to  Certificateholders  as
aforesaid,  it shall give such notice to the  Certificate  Registrar at the time
such  notice is given to  Certificateholders  and,  if the  Master  Servicer  is
exercising its rights to purchase the  outstanding  Certificates,  it shall give
such  notice  to each  Rating  Agency  at the  time  such  notice  is  given  to

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<PAGE>

Certificateholders.  As a result of the  exercise by the Master  Servicer of its
right to  purchase  the  assets of the Trust  Fund,  the Master  Servicer  shall
deposit  in the  Certificate  Account,  before  the Final  Distribution  Date in
immediately available funds an amount equal to the purchase price for the assets
of the Trust Fund,  computed as provided  above.  As a result of the exercise by
the Master Servicer of its right to purchase the outstanding  Certificates,  the
Master Servicer shall deposit in an Eligible Account,  established by the Master
Servicer on behalf of the Trustee and separate from the  Certificate  Account in
the name of the Trustee in trust for the registered holders of the Certificates,
before the  Distribution  Date on which such purchase is to occur in immediately
available  funds an amount  equal to the  purchase  price for the  Certificates,
computed as above  provided,  and provide notice of such deposit to the Trustee.
The Trustee will withdraw  from such account the amount  specified in subsection
(c) below.

(c) In the case of the Senior  Certificates,  upon presentation and surrender of
the Certificates by the Certificateholders thereof, and in the case of the Class
M and Class B Certificates,  upon presentation and surrender of the Certificates
by the Certificateholders  thereof in connection with the exercise by the Master
Servicer of its right to purchase the Certificates,  and otherwise in accordance
with Section 4.01(a), the Trustee shall distribute to the Certificateholders (i)
the  amount  otherwise  distributable  on  such  Distribution  Date,  if  not in
connection with the Master  Servicer's  election to repurchase the assets of the
Trust  Fund or the  outstanding  Certificates,  or (ii) if the  Master  Servicer
elected  to so  repurchase  the  assets  of the  Trust  Fund or the  outstanding
Certificates,  an  amount  determined  as  follows:  (A)  with  respect  to each
Certificate the outstanding  Certificate Principal Balance thereof, plus Accrued
Certificate  Interest for the related  Interest  Accrual  Period thereon and any
previously  unpaid  Accrued  Certificate  Interest,  subject to the priority set
forth in Section 4.02(a), and (B) with respect to the Class R Certificates,  any
excess of the amounts available for distribution (including the repurchase price
specified  in clause  (ii) of  subsection  (a) of this  Section)  over the total
amount distributed under the immediately  preceding clause (A).  Notwithstanding
the reduction of the Certificate  Principal  Balance of any Class of Subordinate
Certificates  to zero,  such  Class  will be  outstanding  hereunder  until  the
termination of the respective  obligations and  responsibilities of the Company,
the Master Servicer and the Trustee hereunder in accordance with Article IX.

(d) If any  Certificateholders  shall not surrender their Certificates for final
payment  and  cancellation  on or  before  the  Final  Distribution  Date (if so
required by the terms hereof), the Trustee shall on such date cause all funds in
the   Certificate   Account   not   distributed   in   final   distribution   to
Certificateholders  to be  withdrawn  therefrom  and  credited to the  remaining
Certificateholders by depositing such funds in a separate escrow account for the
benefit of such Certificateholders, and the Master Servicer (if it exercised its
right to purchase  the assets of the Trust  Fund),  or the Trustee (in any other
case) shall give a second written notice to the remaining  Certificateholders to
surrender their Certificates for cancellation and receive the final distribution
with  respect  thereto.  If within  six  months  after  the  second  notice  any
Certificate shall not have been surrendered for cancellation,  the Trustee shall
take  appropriate  steps as  directed  by the Master  Servicer  to  contact  the
remaining  Certificateholders  concerning  surrender of their Certificates.  The
costs  and  expenses  of  maintaining  the  escrow  account  and  of  contacting
Certificateholders  shall be paid out of the assets  which  remain in the escrow
account.  If within nine months after the second notice any  Certificates  shall

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<PAGE>

not have been surrendered for cancellation,  the Trustee shall pay to the Master
Servicer  all  amounts  distributable  to the  holders  thereof  and the  Master
Servicer shall  thereafter hold such amounts until  distributed to such Holders.
No interest  shall accrue or be payable to any  Certificateholder  on any amount
held in the  escrow  account  or by the  Master  Servicer  as a  result  of such
Certificateholder's  failure to surrender its  Certificate(s)  for final payment
thereof in accordance with this Section 9.01.

(e) If any  Certificateholders  do not surrender their Certificates on or before
the Distribution Date on which a purchase of the outstanding  Certificates is to
be made,  the  Trustee  shall on such date  cause  all funds in the  Certificate
Account  deposited therein by the Master Servicer pursuant to Section 9.01(b) to
be  withdrawn  therefrom  and  deposited  in a separate  escrow  account for the
benefit of such Certificateholders,  and the Master Servicer shall give a second
written notice to such  Certificateholders  to surrender their  Certificates for
payment of the purchase  price  therefor.  If within six months after the second
notice any Certificate  shall not have been  surrendered for  cancellation,  the
Trustee  shall take  appropriate  steps as  directed  by the Master  Servicer to
contact  the  Holders  of  such  Certificates   concerning  surrender  of  their
Certificates.  The costs and expenses of  maintaining  the escrow account and of
contacting  Certificateholders  shall be paid out of the assets  which remain in
the  escrow  account.  If  within  nine  months  after  the  second  notice  any
Certificates shall not have been surrendered for cancellation in accordance with
this  Section  9.01,  the Trustee  shall pay to the Master  Servicer all amounts
distributable  to the Holders thereof and the Master  Servicer shall  thereafter
hold such amounts until distributed to such Holders. No interest shall accrue or
be payable to any  Certificateholder on any amount held in the escrow account or
by the  Master  Servicer  as a result  of such  Certificateholder's  failure  to
surrender its  Certificate(s)  for payment in accordance with this Section 9.01.
Any  Certificate  that is not  surrendered on the  Distribution  Date on which a
purchase  pursuant to this Section 9.01 occurs as provided  above will be deemed
to have been  purchased  and the Holder as of such date will have no rights with
respect  thereto  except to receive the purchase  price therefor minus any costs
and expenses  associated with such escrow account and notices allocated thereto.
Any  Certificates  so  purchased  or  deemed  to  have  been  purchased  on such
Distribution Date shall remain  outstanding  hereunder until the Master Servicer
has terminated the respective obligations and responsibilities created hereby in
respect of the  Certificates  pursuant to this  Article IX. The Master  Servicer
shall be for all purposes the Holder thereof as of such date.

Section 9.02.  Additional Termination Requirements.
               -----------------------------------

(a) Each REMIC that  comprises  the Trust Fund shall be terminated in accordance
with the following additional requirements, unless (subject to Section 10.01(f))
the Trustee and the Master  Servicer have received an Opinion of Counsel  (which
Opinion of Counsel  shall not be an expense of the  Trustee)  to the effect that
the failure of each such REMIC to comply with the  requirements  of this Section
9.02 will not (i) result in the  imposition on the Trust of taxes on "prohibited
transactions,"  as described in Section 860F of the Code, or (ii) cause any such
REMIC  to fail to  qualify  as a REMIC  at any  time  that  any  Certificate  is
outstanding:

(i)     The Master Servicer shall establish a 90-day liquidation period for each
        such  REMIC and  specify  the first  day of such  period in a  statement
        attached  to the Trust  Fund's  final Tax Return  pursuant  to  Treasury
        regulations Section 1.860F-1. The Master Servicer also shall satisfy all
        of the requirements of a qualified liquidation for a REMIC under Section
        860F of the Code and regulations thereunder;

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<PAGE>

(ii)    The Master Servicer shall notify the Trustee at the commencement of such
        90-day  liquidation period and, at or prior to the time of making of the
        final payment on the  Certificates,  the Trustee shall sell or otherwise
        dispose of all of the  remaining  assets of the Trust Fund in accordance
        with the terms hereof; and

(iii)   If the  Master  Servicer  or the  Company  is  exercising  its  right to
        purchase the assets of the Trust Fund, the Master Servicer shall, during
        the 90-day  liquidation period and at or prior to the Final Distribution
        Date, purchase all of the assets of the Trust Fund for cash.

(b) Each Holder of a Certificate and the Trustee hereby irrevocably approves and
appoints the Master Servicer as its attorney-in-fact to adopt a plan of complete
liquidation  for each REMIC at the expense of the Trust Fund in accordance  with
the terms and conditions of this Agreement.

Section 9.03.  Termination of Multiple REMICs.
               -------------------------------

        If the REMIC  Administrator  makes two or more separate REMIC elections,
the  applicable   REMIC  shall  be  terminated  on  the  earlier  of  the  Final
Distribution  Date and the date on which it is deemed to receive the last deemed
distributions on the related Uncertificated REMIC Regular Interests and the last
distribution due on the Certificates is made.

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<PAGE>

                                   ARTICLE X

                                REMIC PROVISIONS

Section 10.01. REMIC Administration.

(a) The REMIC  Administrator  shall make an  election to treat the Trust Fund as
one or more REMICs under the Code and, if necessary, under applicable state law.
The assets of each such REMIC will be set forth in the Series  Supplement.  Such
election  will be  made  on  Form  1066  or  other  appropriate  federal  tax or
information return (including Form 8811) or any appropriate state return for the
taxable  year  ending  on the  last  day of  the  calendar  year  in  which  the
Certificates  are issued.  For the purposes of each REMIC election in respect of
the Trust Fund,  Certificates  and  interests to be  designated  as the "regular
interests"  and the sole class of "residual  interests" in the REMIC will be set
forth in Section 10.03 of the Series Supplement. The REMIC Administrator and the
Trustee shall not permit the creation of any "interests"  (within the meaning of
Section  860G of the Code) in any REMIC  elected  in  respect  of the Trust Fund
other than the "regular interests" and "residual interests" so designated.

(b) The Closing Date is hereby designated as the "startup day" of the Trust Fund
within the meaning of Section 860G(a)(9) of the Code.

(c) The REMIC  Administrator  shall hold a Class R  Certificate  representing  a
0.01%  Percentage  Interest each Class of the Class R Certificates  and shall be
designated as "the tax matters  person" with respect to each REMIC in the manner
provided under Treasury regulations section 1.860F-4(d) and Treasury regulations
section 301.6231(a)(7)-1.  The REMIC Administrator, as tax matters person, shall
(i) act on behalf of each REMIC in  relation  to any tax  matter or  controversy
involving the Trust Fund and (ii) represent the Trust Fund in any administrative
or judicial  proceeding  relating to an examination or audit by any governmental
taxing authority with respect  thereto.  The legal expenses,  including  without
limitation attorneys' or accountants' fees, and costs of any such proceeding and
any liability  resulting  therefrom  shall be expenses of the Trust Fund and the
REMIC Administrator  shall be entitled to reimbursement  therefor out of amounts
attributable  to the  Mortgage  Loans on  deposit  in the  Custodial  Account as
provided by Section  3.10 unless such legal  expenses  and costs are incurred by
reason  of the REMIC  Administrator's  willful  misfeasance,  bad faith or gross
negligence.  If  the  REMIC  Administrator  is no  longer  the  Master  Servicer
hereunder,  at its option the REMIC  Administrator  may  continue  its duties as
REMIC  Administrator  and shall be paid  reasonable  compensation  not to exceed
$3,000 per year by any successor Master Servicer  hereunder for so acting as the
REMIC Administrator.

(d) The REMIC Administrator shall prepare or cause to be prepared all of the Tax
Returns  that it  determines  are required  with  respect to each REMIC  created
hereunder and deliver such Tax Returns in a timely manner to the Trustee and the
Trustee shall sign and file such Tax Returns in a timely manner. The expenses of
preparing  such returns  shall be borne by the REMIC  Administrator  without any
right of reimbursement therefor. The REMIC Administrator agrees to indemnify and
hold harmless the Trustee with respect to any tax or liability  arising from the
Trustee's  signing of Tax Returns that contain errors or omissions.  The Trustee
and Master  Servicer shall promptly  provide the REMIC  Administrator  with such
information  as the REMIC  Administrator  may from time to time  request for the
purpose of enabling the REMIC Administrator to prepare Tax Returns.

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<PAGE>

(e) The REMIC  Administrator  shall  provide (i) to any  Transferor of a Class R
Certificate  such  information  as is necessary for the  application  of any tax
relating  to the  transfer of a Class R  Certificate  to any Person who is not a
Permitted Transferee,  (ii) to the Trustee, and the Trustee shall forward to the
Certificateholders,  such  information or reports as are required by the Code or
the REMIC  Provisions  including  reports  relating to interest,  original issue
discount and market  discount or premium (using the Prepayment  Assumption)  and
(iii) to the Internal  Revenue  Service the name,  title,  address and telephone
number of the person who will serve as the representative of each REMIC.

(f) The Master Servicer and the REMIC  Administrator shall take such actions and
shall cause each REMIC created  hereunder to take such actions as are reasonably
within the Master Servicer's or the REMIC Administrator's  control and the scope
of its  duties  more  specifically  set forth  herein as shall be  necessary  or
desirable  to  maintain  the  status  of each  REMIC as a REMIC  under the REMIC
Provisions  (and the  Trustee  shall  assist the Master  Servicer  and the REMIC
Administrator, to the extent reasonably requested by the Master Servicer and the
REMIC  Administrator to do so). The Master Servicer and the REMIC  Administrator
shall not knowingly or  intentionally  take any action,  cause the Trust Fund to
take any  action  or fail to take (or fail to  cause  to be  taken)  any  action
reasonably within their respective control that, under the REMIC Provisions,  if
taken or not taken,  as the case may be,  could (i)  endanger  the status of any
portion  of any REMIC  formed  under the  Series  Supplement  as a REMIC or (ii)
result in the imposition of a tax upon any such REMIC (including but not limited
to the tax on prohibited  transactions  as defined in Section  860F(a)(2) of the
Code and the tax on contributions to a REMIC set forth in Section 860G(d) of the
Code)  (either  such  event,  in the  absence  of an  Opinion  of Counsel or the
indemnification  referred to in this sentence,  an "Adverse REMIC Event") unless
the Master Servicer or the REMIC Administrator,  as applicable,  has received an
Opinion of Counsel (at the expense of the party  seeking to take such action or,
if such party fails to pay such  expense,  and the Master  Servicer or the REMIC
Administrator, as applicable,  determines that taking such action is in the best
interest  of the Trust Fund and the  Certificateholders,  at the  expense of the
Trust  Fund,  but in no event at the expense of the Master  Servicer,  the REMIC
Administrator  or the Trustee) to the effect that the  contemplated  action will
not,  with respect to each REMIC  created  hereunder,  endanger  such status or,
unless the Master  Servicer,  the REMIC  Administrator  or both, as  applicable,
determine in its or their sole  discretion  to indemnify  the Trust Fund against
the imposition of such a tax,  result in the imposition of such a tax.  Wherever
in this Agreement a  contemplated  action may not be taken because the timing of
such action might result in the  imposition  of a tax on the Trust Fund,  or may
only be taken  pursuant  to an  Opinion of Counsel  that such  action  would not
impose a tax on the Trust Fund,  such action may  nonetheless  be taken provided
that the  indemnity  given in the  preceding  sentence with respect to any taxes
that  might be  imposed  on the  Trust  Fund has been  given  and that all other
preconditions  to the taking of such  action  have been  satisfied.  The Trustee
shall not take or fail to take any action (whether or not authorized  hereunder)
as to which the Master Servicer or the REMIC Administrator,  as applicable,  has
advised it in writing  that it has  received an Opinion of Counsel to the effect
that an Adverse  REMIC  Event  could  occur  with  respect  to such  action.  In
addition, prior to taking any action with respect to any REMIC created hereunder
or any  related  assets  thereof,  or causing any such REMIC to take any action,
which is not expressly permitted under the terms of this Agreement,  the Trustee

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<PAGE>

will consult with the Master Servicer or the REMIC Administrator, as applicable,
or its designee,  in writing, with respect to whether such action could cause an
Adverse  REMIC Event to occur with  respect to any such  REMIC,  and the Trustee
shall not take any such  action or cause any such REMIC to take any such  action
as to which the Master Servicer or the REMIC Administrator,  as applicable,  has
advised it in writing  that an  Adverse  REMIC  Event  could  occur.  The Master
Servicer or the REMIC Administrator,  as applicable, may consult with counsel to
make  such  written  advice,  and the cost of same  shall be borne by the  party
seeking to take the action not expressly permitted by this Agreement,  but in no
event at the expense of the Master Servicer or the REMIC  Administrator.  At all
times as may be required  by the Code,  the Master  Servicer  will to the extent
within its  control  and the scope of its  duties  more  specifically  set forth
herein, maintain substantially all of the assets of each REMIC created hereunder
as  "qualified  mortgages"  as  defined in  Section  860G(a)(3)  of the Code and
"permitted investments" as defined in Section 860G(a)(5) of the Code.

(g) In the event  that any tax is imposed on  "prohibited  transactions"  of any
REMIC  created  hereunder as defined in Section  860F(a)(2) of the Code, on "net
income  from  foreclosure  property"  of any such  REMIC as  defined  in Section
860G(c) of the Code,  on any  contributions  to any such REMIC after the Startup
Day  therefor  pursuant  to  Section  860G(d)  of the Code,  or any other tax is
imposed  by the Code or any  applicable  provisions  of state or local tax laws,
such tax shall be charged (i) to the Master Servicer,  if such tax arises out of
or results from a breach by the Master Servicer of any of its obligations  under
this Agreement or the Master Servicer has in its sole  discretion  determined to
indemnify  the Trust Fund  against such tax,  (ii) to the  Trustee,  if such tax
arises out of or results from a breach by the Trustee of any of its  obligations
under  this  Article  X, or (iii)  otherwise  against  amounts on deposit in the
Custodial  Account as provided by Section 3.10 and on the  Distribution  Date(s)
following such  reimbursement  the aggregate of such taxes shall be allocated in
reduction of the Accrued Certificate  Interest on each Class entitled thereto in
the same manner as if such taxes constituted a Prepayment Interest Shortfall.

(h) The Trustee and the Master Servicer shall,  for federal income tax purposes,
maintain  books and records  with respect to each REMIC  created  hereunder on a
calendar  year and on an accrual  basis or as  otherwise  may be required by the
REMIC Provisions.

(i) Following the Startup Day, neither the Master Servicer nor the Trustee shall
accept  any  contributions  of  assets  to any REMIC  created  hereunder  unless
(subject to Section  10.01(f))  the Master  Servicer and the Trustee  shall have
received an Opinion of Counsel (at the expense of the party seeking to make such
contribution) to the effect that the inclusion of such assets in such REMIC will
not  cause  the  REMIC  to fail to  qualify  as a REMIC  at any  time  that  any
Certificates  are  outstanding  or subject  the REMIC to any tax under the REMIC
Provisions or other  applicable  provisions  of federal,  state and local law or
ordinances.

(j)  Neither  the Master  Servicer  nor the  Trustee  shall  (subject to Section
10.01(f)) enter into any  arrangement by which any REMIC created  hereunder will
receive a fee or other  compensation  for  services nor permit any such REMIC to
receive any income from assets other than  "qualified  mortgages"  as defined in
Section 860G(a)(3) of the Code or "permitted  investments" as defined in Section
860G(a)(5) of the Code.

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<PAGE>

(k)  Solely for the  purposes  of Section  1.860G-1(a)(4)(iii)  of the  Treasury
Regulations,  the  "latest  possible  maturity  date" by which  the  Certificate
Principal  Balance of each Class of  Certificates  (other than the Interest Only
Certificates)  representing a regular  interest in the applicable  REMIC and the
Uncertificated  Principal Balance of each Uncertificated  REMIC Regular Interest
(other than each  Uncertificated  REMIC Regular Interest  represented by a Class
A-V  Certificate,  if any) and the rights to the Interest Only  Certificates and
Uncertificated  REMIC Regular  Interest  represented by a Class A-V  Certificate
would be  reduced to zero is the  Maturity  Date for each such  Certificate  and
Interest.

(l) Within 30 days after the Closing Date, the REMIC Administrator shall prepare
and file with the Internal  Revenue Service Form 8811,  "Information  Return for
Real Estate Mortgage  Investment  Conduits (REMIC) and Issuers of Collateralized
Debt Obligations" for each REMIC created hereunder.

(m)  Neither  the Trustee  nor the Master  Servicer  shall  sell,  dispose of or
substitute  for any of the Mortgage  Loans  (except in  connection  with (i) the
default,  imminent default or foreclosure of a Mortgage Loan,  including but not
limited to, the acquisition or sale of a Mortgaged  Property acquired by deed in
lieu of foreclosure,  (ii) the bankruptcy of any REMIC created hereunder,  (iii)
the  termination  of any such REMIC  pursuant to Article IX of this Agreement or
(iv) a  purchase  of  Mortgage  Loans  pursuant  to  Article  II or III of  this
Agreement) nor acquire any assets for any such REMIC, nor sell or dispose of any
investments  in the Custodial  Account or the  Certificate  Account for gain nor
accept any  contributions to any such REMIC after the Closing Date unless it has
received  an Opinion of Counsel  that such sale,  disposition,  substitution  or
acquisition will not (a) affect adversely the status of such REMIC as a REMIC or
(b)  unless  the  Master  Servicer  has  determined  in its sole  discretion  to
indemnify  the Trust Fund against such tax,  cause such REMIC to be subject to a
tax on  "prohibited  transactions"  or  "contributions"  pursuant  to the  REMIC
Provisions.

Section 10.02. Master Servicer, REMIC Administrator and Trustee Indemnification.
               -----------------------------------------------------------------

(a) The Trustee  agrees to  indemnify  the Trust Fund,  the  Company,  the REMIC
Administrator and the Master Servicer for any taxes and costs including, without
limitation,  any  reasonable  attorneys fees imposed on or incurred by the Trust
Fund,  the  Company  or the  Master  Servicer,  as a result  of a breach  of the
Trustee's covenants set forth in Article VIII or this Article X.

(b) The REMIC Administrator agrees to indemnify the Trust Fund, the Company, the
Master  Servicer  and the  Trustee for any taxes and costs  (including,  without
limitation,  any reasonable attorneys' fees) imposed on or incurred by the Trust
Fund, the Company,  the Master Servicer or the Trustee,  as a result of a breach
of the REMIC Administrator's  covenants set forth in this Article X with respect
to compliance  with the REMIC  Provisions,  including  without  limitation,  any
penalties  arising from the Trustee's  execution of Tax Returns  prepared by the
REMIC Administrator that contain errors or omissions;  provided,  however,  that
such  liability  will not be imposed to the extent such breach is a result of an
error or omission in  information  provided  to the REMIC  Administrator  by the
Master Servicer in which case Section 10.02(c) will apply.

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<PAGE>

(c) The Master  Servicer  agrees to indemnify the Trust Fund,  the Company,  the
REMIC Administrator and the Trustee for any taxes and costs (including,  without
limitation,  any reasonable attorneys' fees) imposed on or incurred by the Trust
Fund,  the Company,  the REMIC  Administrator  or the Trustee,  as a result of a
breach of the  Master  Servicer's  covenants  set forth in this  Article X or in
Article III with  respect to  compliance  with the REMIC  Provisions,  including
without  limitation,  any penalties arising from the Trustee's  execution of Tax
Returns prepared by the Master Servicer that contain errors or omissions.

Section 10.03. Designation of REMIC(s).
               ------------------------

        As provided in Section 10.03 of the Series Supplement.

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<PAGE>

                                   ARTICLE XI
                            MISCELLANEOUS PROVISIONS

Section 11.01. Amendment.

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

(i)     to cure any ambiguity,

(ii)    to correct or supplement any provisions herein or therein,  which may be
        inconsistent  with any other provisions  herein or therein or to correct
        any error,

(iii)to modify,  eliminate  or add to any of its  provisions  to such  extent as
     shall be necessary or desirable to maintain the  qualification of the Trust
     Fund as a REMIC at all times  that any  Certificate  is  outstanding  or to
     avoid or minimize the risk of the  imposition  of any tax on the Trust Fund
     pursuant to the Code that would be a claim against the Trust Fund, provided
     that the Trustee has  received an Opinion of Counsel to the effect that (A)
     such action is necessary or desirable to maintain such  qualification or to
     avoid or minimize the risk of the  imposition  of any such tax and (B) such
     action will not adversely  affect in any material  respect the interests of
     any Certificateholder,

(iv) to change the timing and/or  nature of deposits into the Custodial  Account
     or the  Certificate  Account or to change  the name in which the  Custodial
     Account is maintained,  provided that (A) the  Certificate  Account Deposit
     Date shall in no event be later than the  related  Distribution  Date,  (B)
     such change  shall not, as  evidenced  by an Opinion of Counsel,  adversely
     affect in any material respect the interests of any  Certificateholder  and
     (C) such change shall not result in a reduction  of the rating  assigned to
     any Class of Certificates below the lower of the then-current rating or the
     rating  assigned to such  Certificates as of the Closing Date, as evidenced
     by a letter from each Rating Agency to such effect,

(v)  to modify,  eliminate or add to the  provisions  of Section  5.02(f) or any
     other provision hereof restricting transfer of the Class R Certificates, by
     virtue of their being the "residual  interests"  in a REMIC,  provided that
     (A) such change shall not result in reduction of the rating assigned to any
     such Class of Certificates  below the lower of the  then-current  rating or
     the  rating  assigned  to such  Certificates  as of the  Closing  Date,  as
     evidenced by a letter from each Rating Agency to such effect,  and (B) such
     change shall not (subject to Section 10.01(f)),  as evidenced by an Opinion
     of Counsel (at the expense of the party seeking so to modify,  eliminate or
     add such  provisions),  cause any  REMIC  created  hereunder  or any of the
     Certificateholders  (other than the  transferor) to be subject to a federal
     tax caused by a transfer to a Person that is not a Permitted Transferee,

(vi) to make any other  provisions with respect to matters or questions  arising
     under  this  Agreement  or such  Custodial  Agreement  which  shall  not be
     materially  inconsistent  with the provisions of this  Agreement,  provided
     that such  action  shall  not,  as  evidenced  by an  Opinion  of  Counsel,
     adversely   affect  in  any   material   respect  the   interests   of  any
     Certificateholder or

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<PAGE>

(vii)to amend any  provision  herein or therein  that is not  material to any of
     the Certificateholders.

(b) This  Agreement or any Custodial  Agreement may also be amended from time to
time by the Company, the Master Servicer and the Trustee with the consent of the
Holders of  Certificates  evidencing  in the  aggregate not less than 66% of the
Percentage Interests of each Class of Certificates with a Certificate  Principal
Balance  greater  than zero  affected  thereby  for the  purpose  of adding  any
provisions to or changing in any manner or eliminating  any of the provisions of
this  Agreement  or such  Custodial  Agreement or of modifying in any manner the
rights of the Holders of Certificates of such Class; provided,  however, that no
such amendment shall:

(i)  reduce in any manner the amount of, or delay the timing of,  payments which
     are required to be  distributed on any  Certificate  without the consent of
     the Holder of such Certificate,

(ii)    reduce the aforesaid percentage of Certificates of any Class the Holders
        of which are required to consent to any such amendment, in any such case
        without  the consent of the  Holders of all  Certificates  of such Class
        then outstanding.

(c) Notwithstanding any contrary provision of this Agreement,  the Trustee shall
not  consent  to any  amendment  to this  Agreement  unless it shall  have first
received an Opinion of Counsel  (subject to Section  10.01(f) and at the expense
of the party seeking such  amendment)  to the effect that such  amendment or the
exercise of any power granted to the Master Servicer, the Company or the Trustee
in accordance with such amendment will not result in the imposition of a federal
tax on the Trust Fund or cause any REMIC created under the Series  Supplement to
fail to qualify as a REMIC at any time that any Certificate is outstanding.

(d) Promptly after the execution of any such amendment the Trustee shall furnish
written  notification  of the  substance of such  amendment to the Custodian and
each   Certificateholder.   It  shall  not  be  necessary  for  the  consent  of
Certificateholders  under this Section 11.01 to approve the  particular  form of
any proposed amendment, but it shall be sufficient if such consent shall approve
the substance  thereof.  The manner of obtaining such consents and of evidencing
the  authorization  of the  execution  thereof  by  Certificateholders  shall be
subject to such reasonable regulations as the Trustee may prescribe.

(e) The Company  shall have the option,  in its sole  discretion,  to obtain and
deliver to the Trustee any corporate guaranty,  payment obligation,  irrevocable
letter of credit,  surety  bond,  insurance  policy or similar  instrument  or a
reserve fund, or any combination of the foregoing, for the purpose of protecting
the Holders of the Class B  Certificates  against any or all Realized  Losses or
other  shortfalls.  Any such instrument or fund shall be held by the Trustee for
the benefit of the Class B Certificateholders, but shall not be and shall not be
deemed to be under any  circumstances  included in the Trust Fund. To the extent
that any such  instrument or fund  constitutes a reserve fund for federal income
tax purposes,  (i) any reserve fund so established  shall be an outside  reserve
fund and not an asset of the Trust  Fund,  (ii) any such  reserve  fund shall be

                                      107
<PAGE>

owned by the Company,  and (iii)  amounts  transferred  by the Trust Fund to any
such reserve fund shall be treated as amounts  distributed  by the Trust Fund to
the Company or any  successor,  all within the  meaning of Treasury  Regulations
Section  1.860G-2(h) as it reads as of the Cut-off Date. In connection  with the
provision of any such  instrument  or fund,  this  Agreement  and any  provision
hereof may be modified,  added to,  deleted or  otherwise  amended in any manner
that is related or incidental to such instrument or fund or the establishment or
administration thereof, such amendment to be made by written instrument executed
or consented to by the Company but without the consent of any  Certificateholder
and  without the consent of the Master  Servicer or the Trustee  being  required
unless  any such  amendment  would  impose  any  additional  obligation  on,  or
otherwise adversely affect the interests of the Senior  Certificateholders,  the
Class M  Certificateholders,  the Master Servicer or the Trustee, as applicable;
provided that the Company  obtains  (subject to Section  10.01(f)) an Opinion of
Counsel (which need not be an opinion of Independent counsel) to the effect that
any such amendment will not cause (a) any federal tax to be imposed on the Trust
Fund,  including  without  limitation,  any federal  tax imposed on  "prohibited
transactions"  under Section  860F(a)(1) of the Code or on "contributions  after
the startup date" under Section 860G(d)(1) of the Code and (b) any REMIC created
hereunder  to fail to  qualify  as a REMIC at any time that any  Certificate  is
outstanding.  In the event that the Company  elects to provide such  coverage in
the  form  of  a  limited  guaranty   provided  by  General  Motors   Acceptance
Corporation,  the  Company  may elect  that the text of such  amendment  to this
Agreement  shall be  substantially  in the form attached hereto as Exhibit K (in
which case  Residential  Funding's  Subordinate  Certificate  Loss Obligation as
described in such exhibit shall be established by Residential  Funding's consent
to such  amendment) and that the limited  guaranty shall be executed in the form
attached  hereto as Exhibit L, with such changes as the Company shall deem to be
appropriate;  it being understood that the Trustee has reviewed and approved the
content of such forms and that the  Trustee's  consent  or  approval  to the use
thereof is not required.

Section 11.02. Recordation of Agreement; Counterparts.
               ---------------------------------------

(a) To the extent  permitted by  applicable  law,  this  Agreement is subject to
recordation in all appropriate  public offices for real property  records in all
the  counties  or other  comparable  jurisdictions  in  which  any or all of the
properties  subject to the Mortgages are situated,  and in any other appropriate
public  recording  office or elsewhere,  such  recordation to be effected by the
Master Servicer and at its expense on direction by the Trustee  (pursuant to the
request  of  Holders  of  Certificates  entitled  to at least 25% of the  Voting
Rights),  but only upon  direction  accompanied  by an Opinion of Counsel to the
effect that such recordation  materially and beneficially  affects the interests
of the Certificateholders.

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

                                      108
<PAGE>

Section 11.03. Limitation on Rights of Certificateholders.
               -------------------------------------------

(a) The  death or  incapacity  of any  Certificateholder  shall not  operate  to
terminate this Agreement or the Trust Fund, nor entitle such Certificateholder's
legal  representatives  or heirs to claim an accounting or to take any action or
proceeding  in any court for a partition  or winding up of the Trust  Fund,  nor
otherwise  affect the rights,  obligations and liabilities of any of the parties
hereto.

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

(c) No Certificateholder shall have any right by virtue of any provision of this
Agreement to institute  any suit,  action or proceeding in equity or at law upon
or under or with respect to this Agreement,  unless such Holder previously shall
have given to the  Trustee a written  notice of default  and of the  continuance
thereof, as hereinbefore  provided,  and unless also the Holders of Certificates
of any  Class  evidencing  in the  aggregate  not less  than 25% of the  related
Percentage  Interests of such Class,  shall have made  written  request upon the
Trustee to institute such action,  suit or proceeding in its own name as Trustee
hereunder and shall have offered to the Trustee such reasonable  indemnity as it
may require against the costs,  expenses and liabilities to be incurred  therein
or  thereby,  and the  Trustee,  for 60 days after its  receipt of such  notice,
request and offer of indemnity, shall have neglected or refused to institute any
such action,  suit or proceeding  it being  understood  and intended,  and being
expressly    covenanted   by   each    Certificateholder    with   every   other
Certificateholder  and the Trustee,  that no one or more Holders of Certificates
of any  Class  shall  have any  right in any  manner  whatever  by virtue of any
provision of this  Agreement to affect,  disturb or prejudice  the rights of the
Holders of any other of such  Certificates  of such Class or any other Class, or
to  obtain or seek to  obtain  priority  over or  preference  to any other  such
Holder,  or to  enforce  any right  under this  Agreement,  except in the manner
herein provided and for the common benefit of  Certificateholders  of such Class
or all Classes,  as the case may be. For the protection  and  enforcement of the
provisions  of this  Section  11.03,  each and every  Certificateholder  and the
Trustee  shall be entitled  to such  relief as can be given  either at law or in
equity.

Section 11.04. Governing Law.
               -------------

        This agreement and the  Certificates  shall be governed by and construed
in accordance with the laws of the State of New York and the obligations, rights
and remedies of the parties  hereunder  shall be determined  in accordance  with
such laws.

                                      109
<PAGE>

Section 11.05. Notices.
               -------

        As provided in Section 11.05 of the Series Supplement.

Section 11.06. Required Notices to Rating Agency and Subservicer.
               --------------------------------------------------

        The Company,  the Master Servicer or the Trustee,  as applicable,  shall
notify each Rating  Agency and the  Subservicer  at such time as it is otherwise
required  pursuant to this Agreement to give notice of the occurrence of, any of
the events described in clause (a), (b), (c), (d), (g), (h), (i) or (j) below or
provide a copy to each Rating  Agency at such time as  otherwise  required to be
delivered  pursuant to this  Agreement  of any of the  statements  described  in
clauses (e) and (f) below:

(a)     a material change or amendment to this Agreement,

(b)     the occurrence of an Event of Default,

(c)  the termination or appointment of a successor Master Servicer or Trustee or
     a change in the majority ownership of the Trustee,

(d)     the filing of any claim  under the Master  Servicer's  blanket  fidelity
        bond and the errors and omissions  insurance  policy required by Section
        3.12 or the  cancellation  or  modification  of coverage  under any such
        instrument,

(e)  the  statement  required  to be  delivered  to the Holders of each Class of
     Certificates pursuant to Section 4.03,

(f)  the statements required to be delivered pursuant to Sections 3.18 and 3.19,

(g)  a change  in the  location  of the  Custodial  Account  or the  Certificate
     Account,

(h)     the  occurrence of any monthly cash flow shortfall to the Holders of any
        Class of Certificates  resulting from the failure by the Master Servicer
        to make an Advance pursuant to Section 4.04,

(i)     the occurrence of the Final Distribution Date, and

(j)     the repurchase of or substitution for any Mortgage Loan,
provided,  however,  that with respect to notice of the occurrence of the events
described in clauses (d), (g) or (h) above,  the Master  Servicer  shall provide
prompt  written  notice to each Rating  Agency and the  Subservicer  of any such
event known to the Master Servicer.

Section 11.07. Severability of Provisions.
               --------------------------

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

                                      110
<PAGE>

Section 11.08. Supplemental Provisions for Resecuritization.
               ---------------------------------------------

        This  Agreement  may be  supplemented  by  means  of the  addition  of a
separate  Article  hereto  (a   "Supplemental   Article")  for  the  purpose  of
resecuritizing  any of the Certificates  issued  hereunder,  under the following
circumstances.  With  respect  to any Class or Classes  of  Certificates  issued
hereunder,  or any portion of any such Class,  as to which the Company or any of
its  Affiliates  (or  any  designee  thereof)  is  the  registered  Holder  (the
"Resecuritized  Certificates"),  the  Company  may  deposit  such  Resecuritized
Certificates into a new REMIC, grantor trust, FASIT or custodial  arrangement (a
"Restructuring  Vehicle") to be held by the Trustee  pursuant to a  Supplemental
Article.  The instrument adopting such Supplemental Article shall be executed by
the Company,  the Master  Servicer and the Trustee;  provided,  that neither the
Master  Servicer nor the Trustee shall withhold  their consent  thereto if their
respective  interests would not be materially adversely affected thereby. To the
extent that the terms of the  Supplemental  Article do not in any way affect any
provisions  of this  Agreement as to any of the  Certificates  initially  issued
hereunder,  the adoption of the  Supplemental  Article  shall not  constitute an
"amendment" of this Agreement.

        Each  Supplemental  Article  shall set forth  all  necessary  provisions
relating to the holding of the  Resecuritized  Certificates by the Trustee,  the
establishment of the  Restructuring  Vehicle,  the issuing of various classes of
new certificates by the  Restructuring  Vehicle and the distributions to be made
thereon,  and any  other  provisions  necessary  for the  purposes  thereof.  In
connection  with each  Supplemental  Article,  the Company  shall deliver to the
Trustee an Opinion of Counsel to the effect that (i) the  Restructuring  Vehicle
will  qualify as a REMIC,  grantor  trust,  FASIT or other entity not subject to
taxation  for  federal  income  tax  purposes  and  (ii)  the  adoption  of  the
Supplemental  Article  will not endanger the status of the Trust Fund as a REMIC
or  (subject to Section  10.01(f))  result in the  imposition  of a tax upon the
Trust Fund  (including but not limited to the tax on prohibited  transactions as
defined  in Section  860F(a)(2)  of the Code and the tax on  contributions  to a
REMIC as set forth in Section 860G(d) of the Code).

Section 11.09. Allocation of Voting Rights.
               ----------------------------

               As provided in Section 11.09 of the Series Supplement.

Section 11.10. No Petition.
               -----------

               As provided in Section 11.10 of the Series Supplement.

                                      111
<PAGE>

                                    EXHIBIT A

FORM  OF  CLASS  A  CERTIFICATE,  [PRINCIPAL  ONLY/CLASS  A-P]  CERTIFICATE  AND
[INTEREST ONLY/CLASS A-V] CERTIFICATE

        SOLELY FOR U.S.  FEDERAL  INCOME TAX  PURPOSES,  THIS  CERTIFICATE  IS A
"REGULAR  INTEREST" IN A "REAL  ESTATE  MORTGAGE  INVESTMENT  CONDUIT," AS THOSE
TERMS ARE  DEFINED,  RESPECTIVELY,  IN  SECTIONS  860G AND 860D OF THE  INTERNAL
REVENUE CODE OF 1986.

        UNLESS THIS CERTIFICATE IS PRESENTED BY AN AUTHORIZED  REPRESENTATIVE OF
THE DEPOSITORY TRUST COMPANY, A NEW YORK CORPORATION  ("DTC"),  TO ISSUER OR ITS
AGENT FOR REGISTRATION OF TRANSFER,  EXCHANGE,  OR PAYMENT,  AND ANY CERTIFICATE
ISSUED  IS  REGISTERED  IN THE NAME OF CEDE & CO.  OR IN SUCH  OTHER  NAME AS IS
REQUESTED  BY AN  AUTHORIZED  REPRESENTATIVE  OF DTC (AND ANY PAYMENT IS MADE TO
CEDE  &  CO.  OR  TO  SUCH  OTHER  ENTITY  AS  IS  REQUESTED  BY  AN  AUTHORIZED
REPRESENTATIVE  OF DTC), ANY TRANSFER,  PLEDGE, OR OTHER USE HEREOF FOR VALUE OR
OTHERWISE  BY OR TO ANY PERSON IS  WRONGFUL  INASMUCH  AS THE  REGISTERED  OWNER
HEREOF, CEDE & CO.,
HAS AN INTEREST HEREIN.]

        [THE  FOLLOWING  INFORMATION  IS  PROVIDED  SOLELY FOR THE  PURPOSES  OF
APPLYING THE U.S.  FEDERAL INCOME TAX ORIGINAL  ISSUE DISCOUNT  ("OID") RULES TO
THIS  CERTIFICATE.  THE ISSUE DATE OF THIS  CERTIFICATE IS ___________ __, ____.
ASSUMING  THAT THE  MORTGAGE  LOANS  PREPAY AT [___]%  OF THE  PREPAYMENT  SPEED
ASSUMPTION (AS DESCRIBED IN THE PROSPECTUS SUPPLEMENT), [AND ASSUMING A CONSTANT
PASS-THROUGH RATE EQUAL TO THE INITIAL  PASS-THROUGH RATE,] THIS CERTIFICATE HAS
BEEN ISSUED WITH NO MORE THAN $[ ] OF OID PER  [$1,000]  [$100,000]  OF [INITIAL
CERTIFICATE  PRINCIPAL BALANCE] [NOTIONAL AMOUNT], THE YIELD TO MATURITY IS [ ]%
AND THE AMOUNT OF OID ATTRIBUTABLE TO THE INITIAL ACCRUAL PERIOD IS NO MORE THAN
$[  ]  PER  [$1,000]  [$100,000]  OF  [INITIAL  CERTIFICATE  PRINCIPAL  BALANCE]
[NOTIONAL AMOUNT],  COMPUTED USING THE APPROXIMATE  METHOD. NO REPRESENTATION IS
MADE THAT THE MORTGAGE LOANS WILL PREPAY AT A RATE BASED ON THE PREPAYMENT SPEED
ASSUMPTION  OR AT ANY  OTHER  RATE OR AS TO THE  CONSTANCY  OF THE  PASS-THROUGH
RATE.]
<PAGE>

Certificate No.                    [        %][Variable] Pass-Through Rate
                --------            --------
                                   [based on a Notional Amount]
Class A-     Senior
Date of Pooling and Servicing      [Percentage Interest:       %]
                                                         ------
Agreement and Cut-off Date:
___________ 1, ____                Aggregate Initial [Certificate Principal
                                   Balance] [[Interest Only/Class A-V] Notional
First Distribution Date:           Amount] [Subclass Notional Amount] of the
_________ 25, ____                 Class A-     Certificates:
                                           ----

Master Servicer:                   [Initial] [Certificate Principal
Residential Funding                Balance] [Interest Only/Class A-V] [Subclass]
Corporation                        Notional Amount] of this Certificate:
                                   $                          ]
Assumed Final
Distribution Date:                 CUSIP 76110F-
___________ 25, ____

                 MORTGAGE ASSET-BACKED PASS-THROUGH CERTIFICATE
                                 SERIES ____-___

               evidencing a percentage  interest in the distributions  allocable
               to the  Class  A-  Certificates  with  respect  to a  Trust  Fund
               consisting   primarily  of  a  pool  of   conventional   one-  to
               four-family  fixed  interest rate first mortgage loans formed and
               sold by RESIDENTIAL ACCREDIT LOANS, INC.

     This  Certificate  is payable solely from the assets of the Trust Fund, and
does not represent an obligation of or interest in Residential  Accredit  Loans,
Inc., the Master Servicer, the Trustee referred to below or GMAC Mortgage Group,
Inc. or any of their  affiliates.  Neither this  Certificate  nor the underlying
Mortgage  Loans  are  guaranteed  or  insured  by  any  governmental  agency  or
instrumentality or by Residential Accredit Loans, Inc., the Master Servicer, the
Trustee or GMAC Mortgage  Group,  Inc. or any of their  affiliates.  None of the
Company,  the  Master  Servicer,  GMAC  Mortgage  Group,  Inc.  or any of  their
affiliates  will have any  obligation  with respect to any  certificate or other
obligation secured by or payable from payments on the Certificates.

     This  certifies  that____________________  is the  registered  owner of the
Percentage  Interest  evidenced by this  Certificate  [(obtained by dividing the
[Initial  Certificate  Principal  Balance]  [Initial  [Interest  Only/Class A-V]
Notional  Amount] of this  Certificate  by the  aggregate  [Initial  Certificate
Principal Balance of all Class A- Certificates]  [Initial  [Interest  Only/Class
A-V] Notional Amounts of all [Interest  Only/Class A-V]  Certificates],  both as
specified  above)]  in  certain  distributions  with  respect  to the Trust Fund
consisting  primarily  of  an  interest  in  a  pool  of  conventional  one-  to
four-family  fixed interest rate first  mortgage  loans (the "Mortgage  Loans"),

<PAGE>

formed and sold by Residential  Accredit  Loans,  Inc.  (hereinafter  called the
"Company," which term includes any successor entity under the Agreement referred
to below).  The Trust  Fund was  created  pursuant  to a Pooling  and  Servicing
Agreement  dated as specified  above (the  "Agreement")  among the Company,  the
Master Servicer and __________________, as trustee (the "Trustee"), a summary of
certain of the  pertinent  provisions  of which is set forth  hereafter.  To the
extent not defined herein,  the capitalized  terms used herein have the meanings
assigned in the  Agreement.  This  Certificate is issued under and is subject to
the terms,  provisions and conditions of the Agreement,  to which  Agreement the
Holder of this  Certificate  by virtue of the  acceptance  hereof assents and by
which such Holder is bound.

               Pursuant to the terms of the Agreement,  a  distribution  will be
made on the 25th day of each month or, if such 25th day is not a  Business  Day,
the Business Day immediately following (the "Distribution Date"),  commencing as
described  in the  Agreement,  to the Person in whose name this  Certificate  is
registered  at the close of business on the last day (or if such last day is not
a Business  Day, the Business Day  immediately  preceding  such last day) of the
month immediately  preceding the month of such distribution (the "Record Date"),
from the Available  Distribution Amount in an amount equal to the product of the
Percentage  Interest  evidenced by this Certificate and the amount [(of interest
and  principal,  if any)]  required  to be  distributed  to  Holders of Class A-
Certificates on such Distribution Date. [The [Interest  Only/Class A-V] Notional
Amount  of  the  [Interest  Only/Class  A-V]  Certificates  as of  any  date  of
determination is equal to the aggregate Stated Principal Balance of the Mortgage
Loans corresponding to the Uncertificated REMIC Regular Interests represented by
such [Interest  Only/Class A-V]  Certificates.] [The Subclass Notional Amount of
the [Interest  Only/Class A-V]-  Certificates as of any date of determination is
equal  to  the  aggregate  Stated  Principal   Balance  of  the  Mortgage  Loans
corresponding to the Uncertificated REMIC Regular Interests  represented by such
[Interest  Only/Class A-V]-  Certificates  immediately prior to such date.] [The
[Interest  Only/Class  A-V][-  ]  Certificates  have  no  Certificate  Principal
Balance.]

               Distributions  on this  Certificate  will be made  either  by the
Master  Servicer  acting on behalf of the Trustee or by a Paying Agent appointed
by the Trustee in  immediately  available  funds (by wire transfer or otherwise)
for the  account of the Person  entitled  thereto if such  Person  shall have so
notified  the Master  Servicer or such Paying  Agent,  or by check mailed to the
address of the Person entitled thereto, as such name and address shall appear on
the Certificate Register.

               Notwithstanding   the  above,  the  final  distribution  on  this
Certificate  will be made after due notice of the pendency of such  distribution
and only upon  presentation  and surrender of this  Certificate at the office or
agency  appointed  by the Trustee for that  purpose in the City and State of New
York. The [Initial Certificate  Principal Balance] [Initial [Interest Only/Class
A-V] Notional Amount] [initial  Subclass Notional Amount] of this Certificate is
set forth above.] [The Certificate  Principal  Balance hereof will be reduced to
the extent of  distributions  allocable  to principal  and any  Realized  Losses
allocable hereto.]

               This   Certificate  is  one  of  a  duly   authorized   issue  of
Certificates  issued in several  Classes  designated  as  Mortgage  Asset-Backed
Pass-Through  Certificates of the Series specified  hereon (herein  collectively
called the "Certificates").

               The  Certificates  are  limited  in right of  payment  to certain
collections  and  recoveries   respecting  the  Mortgage  Loans,   all  as  more
specifically set forth herein and in the Agreement. In the event Master Servicer
funds  are  advanced  with  respect  to  any  Mortgage  Loan,  such  advance  is
reimbursable  to the Master  Servicer,  to the extent provided in the Agreement,
from related recoveries on such Mortgage Loan or from other cash that would have
been distributable to Certificateholders.
<PAGE>

               As  provided in the  Agreement,  withdrawals  from the  Custodial
Account   and/or  the   Certificate   Account   created   for  the   benefit  of
Certificateholders  may be made by the  Master  Servicer  from  time to time for
purposes other than distributions to Certificateholders, such purposes including
without  limitation  reimbursement  to the  Company  and the Master  Servicer of
advances made, or certain expenses incurred, by either of them.

               The Agreement permits,  with certain exceptions therein provided,
the  amendment  of  the  Agreement  and  the  modification  of  the  rights  and
obligations of the Company,  the Master  Servicer and the Trustee and the rights
of the  Certificateholders  under the Agreement at any time by the Company,  the
Master  Servicer and the Trustee with the consent of the Holders of Certificates
evidencing  in the aggregate  not less than 66% of the  Percentage  Interests of
each Class of Certificates  affected thereby.  Any such consent by the Holder of
this  Certificate  shall be  conclusive  and binding on such Holder and upon all
future  holders  of this  Certificate  and of any  Certificate  issued  upon the
transfer hereof or in exchange herefor or in lieu hereof whether or not notation
of such consent is made upon the  Certificate.  The  Agreement  also permits the
amendment thereof in certain circumstances without the consent of the Holders of
any of the Certificates and, in certain  additional  circumstances,  without the
consent of the Holders of certain Classes of Certificates.

               As provided in the Agreement  and subject to certain  limitations
therein  set forth,  the  transfer of this  Certificate  is  registrable  in the
Certificate  Register upon surrender of this  Certificate  for  registration  of
transfer  at the offices or  agencies  appointed  by the Trustee in the City and
State of New York, duly endorsed by, or accompanied by an assignment in the form
below or other  written  instrument  of  transfer  in form  satisfactory  to the
Trustee and the Certificate Registrar duly executed by the Holder hereof or such
Holder's  attorney  duly  authorized  in writing,  and thereupon one or more new
Certificates of authorized denominations evidencing the same Class and aggregate
Percentage Interest will be issued to the designated transferee or transferees.

               The  Certificates  are issuable only as  registered  Certificates
without coupons in Classes and in denominations  specified in the Agreement.  As
provided in the Agreement and subject to certain  limitations therein set forth,
Certificates are  exchangeable for new Certificates of authorized  denominations
evidencing the same Class and aggregate Percentage Interest, as requested by the
Holder surrendering the same.

               No  service  charge  will be made  for any such  registration  of
transfer or exchange, but the Trustee may require payment of a sum sufficient to
cover any tax or other governmental charge payable in connection therewith.

               The Company, the Master Servicer, the Trustee and the Certificate
Registrar and any agent of the Company, the Master Servicer,  the Trustee or the
Certificate  Registrar  may treat the Person in whose name this  Certificate  is
registered  as the owner hereof for all purposes,  and neither the Company,  the
Master  Servicer,  the Trustee nor any such agent shall be affected by notice to
the contrary.
<PAGE>

               This Certificate shall be governed by and construed in accordance
with the laws of the State of New York.

               The  obligations  created  by the  Agreement  in  respect  of the
Certificates and the Trust Fund created thereby shall terminate upon the payment
to  Certificateholders  of all  amounts  held by or on behalf of the Trustee and
required to be paid to them pursuant to the  Agreement  following the earlier of
(i) the maturity or other  liquidation of the last Mortgage Loan subject thereto
or the disposition of all property  acquired upon foreclosure or deed in lieu of
foreclosure  of any Mortgage  Loan and (ii) the purchase by the Master  Servicer
from the Trust Fund of all remaining Mortgage Loans and all property acquired in
respect of such  Mortgage  Loans,  thereby  effecting  early  retirement  of the
Certificates.  The Agreement permits,  but does not require, the Master Servicer
to (i) purchase at a price determined as provided in the Agreement all remaining
Mortgage Loans and all property acquired in respect of any Mortgage Loan or (ii)
purchase in whole,  but not in part,  all of the  Certificates  from the Holders
thereof; provided, that any such option may only be exercised if the Pool Stated
Principal  Balance of the Mortgage Loans as of the Distribution  Date upon which
the proceeds of any such  purchase are  distributed  is less than ten percent of
the Cut-off Date Principal Balance of the Mortgage Loans.

               Reference  is  hereby  made  to the  further  provisions  of this
Certificate set forth on the reverse hereof,  which further provisions shall for
all purposes have the same effect as if set forth at this place.

               Unless the certificate of authentication hereon has been executed
by the Certificate Registrar, by manual signature, this Certificate shall not be
entitled to any benefit under the Agreement or be valid for any purpose.

<PAGE>

               IN WITNESS WHEREOF, the Trustee has caused this Certificate to be
duly executed.

Dated:                                      [_________________________],
                                   as Trustee

                                            By:
                                               -------------------------------
                                                 Authorized Signatory

                          CERTIFICATE OF AUTHENTICATION

               This  is one of the  Class  A-  Certificates  referred  to in the
within-mentioned Agreement.

                                            [---------------------------],
                                                 as Certificate Registrar

                                            By:
                                               ------------------------------
                                                 Authorized Signatory

<PAGE>

                                   ASSIGNMENT

     FOR  VALUE  RECEIVED,   the  undersigned  hereby  sell(s),   assign(s)  and
transfer(s) unto  _____________________________  (Please print or typewrite name
and  address  including  postal  zip code of  assignee)  a  Percentage  Interest
evidenced  by the within  Mortgage  Asset-Backed  Pass-Through  Certificate  and
hereby  authorizes the transfer of  registration of such interest to assignee on
the Certificate Register of the Trust Fund.

               I (We) further  direct the  Certificate  Registrar to issue a new
Certificate of a like  denomination  and Class,  to the above named assignee and
deliver such Certificate to the following address:

________________________________________________________________________________

                                         _____________________________________
Dated:                                   Signature by or on behalf of assignor

                                         ______________________________________
                                                 Signature Guaranteed

                            DISTRIBUTION INSTRUCTIONS

               The  assignee  should  include  the  following  for  purposes  of
distribution:

     Distributions shall be made, by wire transfer or otherwise,  in immediately
available   funds  to   ______________________________   for  the   account   of
_______________________________  account  number  _____________________,  or, if
mailed by check, to ____________________________________.  Applicable statements
should be mailed to ____________________________________.

     This information is provided by _______________________, the assignee named
above, or ___________________, as its agent.

<PAGE>

                                    EXHIBIT B

                           FORM OF CLASS M CERTIFICATE

        THIS  CERTIFICATE  IS  SUBORDINATED  IN RIGHT OF  PAYMENT  TO THE SENIOR
CERTIFICATES  [CLASS M-1 CERTIFICATES] [AND CLASS M-2 CERTIFICATES] AS DESCRIBED
IN THE AGREEMENT (AS DEFINED BELOW).

        SOLELY FOR U.S.  FEDERAL  INCOME TAX  PURPOSES,  THIS  CERTIFICATE  IS A
"REGULAR  INTEREST" IN A "REAL  ESTATE  MORTGAGE  INVESTMENT  CONDUIT," AS THOSE
TERMS ARE  DEFINED,  RESPECTIVELY,  IN  SECTIONS  860G AND 860D OF THE  INTERNAL
REVENUE CODE OF 1986 (THE "CODE").

        UNLESS THIS CERTIFICATE IS PRESENTED BY AN AUTHORIZED  REPRESENTATIVE OF
THE DEPOSITORY TRUST COMPANY, A NEW YORK CORPORATION  ("DTC"),  TO ISSUER OR ITS
AGENT FOR REGISTRATION OF TRANSFER,  EXCHANGE,  OR PAYMENT,  AND ANY CERTIFICATE
ISSUED  IS  REGISTERED  IN THE NAME OF CEDE & CO.  OR IN SUCH  OTHER  NAME AS IS
REQUESTED  BY AN  AUTHORIZED  REPRESENTATIVE  OF DTC (AND ANY PAYMENT IS MADE TO
CEDE  &  CO.  OR  TO  SUCH  OTHER  ENTITY  AS  IS  REQUESTED  BY  AN  AUTHORIZED
REPRESENTATIVE  OF DTC), ANY TRANSFER,  PLEDGE, OR OTHER USE HEREOF FOR VALUE OR
OTHERWISE  BY OR TO ANY PERSON IS  WRONGFUL  INASMUCH  AS THE  REGISTERED  OWNER
HEREOF, CEDE & CO., HAS AN INTEREST HEREIN.

        THE  FOLLOWING  INFORMATION  IS  PROVIDED  SOLELY  FOR THE  PURPOSES  OF
APPLYING THE U.S.  FEDERAL INCOME TAX ORIGINAL  ISSUE DISCOUNT  ("OID") RULES TO
THIS  CERTIFICATE.  THE ISSUE DATE OF THIS  CERTIFICATE IS ___________ __, ____.
ASSUMING  THAT THE  MORTGAGE  LOANS  PREPAY AT [___]%  OF THE  PREPAYMENT  SPEED
ASSUMPTION (AS DESCRIBED IN THE PROSPECTUS  SUPPLEMENT),  THIS  CERTIFICATE  HAS
BEEN ISSUED WITH NO MORE THAN $[____] OF OID PER $[1,000] OF INITIAL CERTIFICATE
PRINCIPAL  BALANCE,  THE YIELD TO  MATURITY  IS  [_____]%  AND THE AMOUNT OF OID
ATTRIBUTABLE  TO THE INITIAL ACCRUAL PERIOD IS NO MORE THAN $[____] PER $[1,000]
OF INITIAL CERTIFICATE PRINCIPAL BALANCE, COMPUTED UNDER THE APPROXIMATE METHOD.
NO REPRESENTATION IS MADE THAT THE MORTGAGE LOANS WILL PREPAY AT A RATE BASED ON
THE PREPAYMENT SPEED ASSUMPTION OR AT ANY OTHER RATE.

        Any Transferee of this Certificate will be deemed to have represented by
virtue of its purchase or holding of this  Certificate (or interest herein) that
EITHER (a) such Transferee is not an investment  manager, a named fiduciary or a
trustee of any Plan) acting, directly or indirectly,  on behalf of or purchasing
any Certificate with "plan assets" of any Plan (a "plan  investor"),  (B) it has
acquired and is holding such  Certificate in reliance on Prohibited  Transaction
Exemption  ("PTE") 94-29, 59 Fed. Reg. 14674 (March 29, 1994), as amended by PTE

<PAGE>

97-34, 62 Fed. Reg. 39021 (July 21, 1997),  and PTE 2000-58,  65 Fed. Reg. 67765
(November 13, 2000) (the "RFC  Exemption"),  and that it understands  that there
are certain  conditions to the availability of the RFC Exemption  including that
such Certificate  must be rated, at the time of purchase,  not lower than "BBB-"
(or its  equivalent)  by  Standard  & Poor's,  Fitch or  Moody's  or (C) (I) the
transferee is an insurance company, (II) the source of funds to be used by it to
purchase the Certificate is an "insurance  company general  account" (within the
meaning of U.S.  Department  of Labor  Prohibited  Transaction  Class  Exemption
("PTCE")  95-60),  and (iii) the  CONDITIONS  SET FORTH IN SECTIONS I AND III OF
PTCE 95-60 HAVE BEEN  SATISFIED  (EACH ENTITY THAT  SATISFIES THIS CLAUSE (C), A
"cOMPLYING INSURANCE COMPANY).

        If this  Certificate (OR ANY INTEREST HEREIN) IS ACQUIRED OR HELD BY ANY
PERSON  THAT  DOES  NOT  SATISFY  THE  CONDITIONS  DESCRIBED  IN  THE  PRECEDING
PARAGRAPH,  THEN THE LAST  preceding  Transferee  that  either (i) is not a Plan
Investor,  (II) ACQUIRED SUCH  CERTIFICATE IN COMPLIANCE WITH THE RFC EXEMPTION,
or (iiI) is a  Complying  Insurance  Company  shall be  restored,  to the extent
permitted by law, to all rights and  obligations  as  Certificate  Owner thereof
retroactive to the date of such Transfer of this Certificate.  The Trustee shall
be  under no  liability  to any  Person  for  making  any  payments  due on this
Certificate to such preceding Transferee.

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

Certificate No.                                   [      ]% Pass-Through Rate

Class M-    Subordinate                           Aggregate Certificate
                                                  Principal Balance
Date of Pooling and Servicing                     of the Class M Certificates:
Agreement and Cut-off Date:                       $
___________ 1, ____
                                                  Initial Certificate Principal
First Distribution Date:                          Balance of this Certificate:
_________ 25, ____                                $

Master Servicer:                                  CUSIP: 76110F-
Residential Funding Corporation

Assumed Final Distribution Date:
___________ 25, ____

                              MORTGAGE ASSET-BACKED PASS-THROUGH CERTIFICATE,
                                 SERIES ____-___

        evidencing a percentage  interest in any distributions  allocable to the
        Class  M-  Certificates  with  respect  to  the  Trust  Fund  consisting
        primarily of a pool of conventional  one- to four-family  fixed interest
        rate first mortgage loans formed and sold by RESIDENTIAL ACCREDIT LOANS,
        INC.

     This  Certificate  is payable solely from the assets of the Trust Fund, and
does not represent an obligation of or interest in Residential  Accredit  Loans,
Inc., the Master Servicer, the Trustee referred to below or GMAC Mortgage Group,
Inc. or any of their  affiliates.  Neither this  Certificate  nor the underlying
Mortgage  Loans  are  guaranteed  or  insured  by  any  governmental  agency  or
instrumentality or by Residential Accredit Loans, Inc., the Master Servicer, the
Trustee or GMAC Mortgage  Group,  Inc. or any of their  affiliates.  None of the
Company,  the  Master  Servicer,  GMAC  Mortgage  Group,  Inc.  or any of  their
affiliates  will have any  obligation  with respect to any  certificate or other
obligation secured by or payable from payments on the Certificates.

     This  certifies  that  ________________  is  the  registered  owner  of the
Percentage  Interest  evidenced  by this  Certificate  (obtained by dividing the
Certificate  Principal Balance of this Certificate by the aggregate  Certificate
Principal  Balance of all Class M-  Certificates,  both as  specified  above) in
certain  distributions  with respect to a Trust Fund  consisting  primarily of a
pool of  conventional  one- to  four-family  fixed  interest rate first mortgage
loans (the "Mortgage  Loans"),  formed and sold by Residential  Accredit  Loans,
Inc. (hereinafter called the "Company," which term includes any successor entity
under the Agreement referred to below). The Trust Fund was created pursuant to a
Pooling and Servicing Agreement dated as specified above (the "Agreement") among
the  Company,  the Master  Servicer  and  __________________,  as  trustee  (the
"Trustee"),  a summary of certain of the  pertinent  provisions  of which is set
forth hereafter.  To the extent not defined herein,  the capitalized  terms used
herein have the meanings  assigned in the Agreement.  This Certificate is issued
under and is subject to the terms,  provisions  and conditions of the Agreement,
to which  Agreement the Holder of this  Certificate  by virtue of the acceptance
hereof assents and by which such Holder is bound.
<PAGE>

               Pursuant to the terms of the Agreement,  a  distribution  will be
made on the 25th day of each month or, if such 25th day is not a  Business  Day,
the Business Day immediately following (the "Distribution Date"),  commencing as
described  in the  Agreement,  to the Person in whose name this  Certificate  is
registered  at the close of business on the last day (or if such last day is not
a Business  Day, the Business Day  immediately  preceding  such last day) of the
month immediately  preceding the month of such distribution (the "Record Date"),
from the Available  Distribution Amount in an amount equal to the product of the
Percentage  Interest  evidenced by this  Certificate and the amount (of interest
and  principal,  if any)  required  to be  distributed  to  Holders  of Class M-
Certificates on such Distribution Date.

               Distributions  on this  Certificate  will be made  either  by the
Master  Servicer  acting on behalf of the Trustee or by a Paying Agent appointed
by the Trustee in  immediately  available  funds (by wire transfer or otherwise)
for the  account of the Person  entitled  thereto if such  Person  shall have so
notified  the Master  Servicer or such Paying  Agent,  or by check mailed to the
address of the Person entitled thereto, as such name and address shall appear on
the Certificate Register.

               Notwithstanding   the  above,  the  final  distribution  on  this
Certificate  will be made after due notice of the pendency of such  distribution
and only upon  presentation  and surrender of this  Certificate at the office or
agency  appointed  by the Trustee for that  purpose in the City and State of New
York. The Initial Certificate Principal Balance of this Certificate is set forth
above. The Certificate Principal Balance hereof will be reduced to the extent of
the  distributions  allocable to principal  and any  Realized  Losses  allocable
hereto.

               As described  above, no transfer of this Class M Certificate will
be made unless (i) the Trustee  has  received  either an opinion of counsel or a
representation  letter,  each as  described  in the  Agreement,  relating to the
permissibility  of such  transfer  under ERISA and Section 4975 of the Code,  or
(ii) this Certificate is held by a Depository, in which case the Transferee will
be deemed to have made  representations  relating to the  permissibility of such
transfer  under  ERISA and Section  4975 of the Code,  as  described  in Section
5.02(e) of the Agreement.  In addition,  any purported  Certificate  Owner whose
acquisition or holding of this  Certificate (or interest herein) was effected in
violation  of  the  restrictions  in  Section  5.02(e)  of the  Agreement  shall
indemnify and hold harmless the Company, the Trustee,  the Master Servicer,  any
Subservicer,  and the  Trust  Fund  from and  against  any and all  liabilities,
claims,  costs  or  expenses  incurred  by  such  parties  as a  result  of such
acquisition or holding.

               This   Certificate  is  one  of  a  duly   authorized   issue  of
Certificates  issued in several  Classes  designated  as  Mortgage  Asset-Backed
Pass-Through  Certificates of the Series specified  hereon (herein  collectively
called the "Certificates").

               The  Certificates  are  limited  in right of  payment  to certain
collections  and  recoveries   respecting  the  Mortgage  Loans,   all  as  more
specifically set forth herein and in the Agreement. In the event Master Servicer
funds  are  advanced  with  respect  to  any  Mortgage  Loan,  such  advance  is
reimbursable  to the Master  Servicer,  to the extent provided in the Agreement,
from related recoveries on such Mortgage Loan or from other cash that would have
been distributable to Certificateholders.
<PAGE>

               As  provided in the  Agreement,  withdrawals  from the  Custodial
Account   and/or  the   Certificate   Account   created   for  the   benefit  of
Certificateholders  may be made by the  Master  Servicer  from  time to time for
purposes other than distributions to Certificateholders, such purposes including
without  limitation  reimbursement  to the  Company  and the Master  Servicer of
advances made, or certain expenses incurred, by either of them.

               The Agreement permits,  with certain exceptions therein provided,
the  amendment  of  the  Agreement  and  the  modification  of  the  rights  and
obligations of the Company,  the Master  Servicer and the Trustee and the rights
of the  Certificateholders  under the Agreement at any time by the Company,  the
Master  Servicer and the Trustee with the consent of the Holders of Certificates
evidencing  in the aggregate  not less than 66% of the  Percentage  Interests of
each Class of Certificates  affected thereby.  Any such consent by the Holder of
this  Certificate  shall be  conclusive  and binding on such Holder and upon all
future  holders  of this  Certificate  and of any  Certificate  issued  upon the
transfer hereof or in exchange herefor or in lieu hereof whether or not notation
of such consent is made upon the  Certificate.  The  Agreement  also permits the
amendment thereof in certain circumstances without the consent of the Holders of
any of the Certificates and, in certain  additional  circumstances,  without the
consent of the Holders of certain Classes of Certificates.

               As provided in the Agreement  and subject to certain  limitations
therein  set forth,  the  transfer of this  Certificate  is  registrable  in the
Certificate  Register upon surrender of this  Certificate  for  registration  of
transfer  at the offices or  agencies  appointed  by the Trustee in the City and
State of New York, duly endorsed by, or accompanied by an assignment in the form
below or other  written  instrument  of  transfer  in form  satisfactory  to the
Trustee and the Certificate Registrar duly executed by the Holder hereof or such
Holder's  attorney  duly  authorized  in writing,  and thereupon one or more new
Certificates of authorized denominations evidencing the same Class and aggregate
Percentage Interest will be issued to the designated transferee or transferees.

               The  Certificates  are issuable only as  registered  Certificates
without coupons in Classes and in denominations  specified in the Agreement.  As
provided in the Agreement and subject to certain  limitations therein set forth,
Certificates are  exchangeable for new Certificates of authorized  denominations
evidencing the same Class and aggregate Percentage Interest, as requested by the
Holder surrendering the same.

               No  service  charge  will be made  for any such  registration  of
transfer or exchange, but the Trustee may require payment of a sum sufficient to
cover any tax or other governmental charge payable in connection therewith.

               The Company, the Master Servicer, the Trustee and the Certificate
Registrar and any agent of the Company, the Master Servicer,  the Trustee or the
Certificate  Registrar  may treat the Person in whose name this  Certificate  is
registered  as the owner hereof for all purposes,  and neither the Company,  the
Master  Servicer,  the Trustee nor any such agent shall be affected by notice to
the contrary.
<PAGE>

               This Certificate shall be governed by and construed in accordance
with the laws of the State of New York.

               The  obligations  created  by the  Agreement  in  respect  of the
Certificates and the Trust Fund created thereby shall terminate upon the payment
to  Certificateholders  of all  amounts  held by or on behalf of the Trustee and
required to be paid to them pursuant to the  Agreement  following the earlier of
(i) the maturity or other  liquidation of the last Mortgage Loan subject thereto
or the disposition of all property  acquired upon foreclosure or deed in lieu of
foreclosure  of any Mortgage  Loan and (ii) the purchase by the Master  Servicer
from the Trust Fund of all remaining Mortgage Loans and all property acquired in
respect of such  Mortgage  Loans,  thereby  effecting  early  retirement  of the
Certificates.  The Agreement permits,  but does not require, the Master Servicer
to (i) purchase at a price determined as provided in the Agreement all remaining
Mortgage Loans and all property acquired in respect of any Mortgage Loan or (ii)
purchase in whole,  but not in part,  all of the  Certificates  from the Holders
thereof; provided, that any such option may only be exercised if the Pool Stated
Principal  Balance of the Mortgage Loans as of the Distribution  Date upon which
the proceeds of any such  purchase are  distributed  is less than ten percent of
the Cut-off Date Principal Balance of the Mortgage Loans.

               Unless the certificate of authentication hereon has been executed
by the Certificate Registrar, by manual signature, this Certificate shall not be
entitled to any benefit under the Agreement or be valid for any purpose.

<PAGE>

               IN WITNESS WHEREOF, the Trustee has caused this Certificate to be
duly executed.

Dated:                                      [____________________________],
                                            as Trustee

                                            By:
                                               -------------------------------
                                                 Authorized Signatory

                          CERTIFICATE OF AUTHENTICATION

               This  is one of the  Class  M-  Certificates  referred  to in the
within-mentioned Agreement.

                                            [-------------------------],
                                                  as Certificate Registrar

                                            By:
                                               --------------------------------
                                                 Authorized Signatory

<PAGE>

                                   ASSIGNMENT

     FOR  VALUE  RECEIVED,   the  undersigned  hereby  sell(s),   assign(s)  and
transfer(s) unto  _____________________________  (Please print or typewrite name
and  address  including  postal  zip code of  assignee)  a  Percentage  Interest
evidenced  by the within  Mortgage  Asset-Backed  Pass-Through  Certificate  and
hereby  authorizes the transfer of  registration of such interest to assignee on
the Certificate Register of the Trust Fund.

               I (We) further  direct the  Certificate  Registrar to issue a new
Certificate of a like  denomination  and Class,  to the above named assignee and
deliver such Certificate to the following address:

________________________________________________________________________________

                                         _____________________________________
Dated:                                   Signature by or on behalf of assignor

                                         ______________________________________
                                                 Signature Guaranteed

                            DISTRIBUTION INSTRUCTIONS

               The  assignee  should  include  the  following  for  purposes  of
distribution:

     Distributions shall be made, by wire transfer or otherwise,  in immediately
available   funds  to   ______________________________   for  the   account   of
_______________________________  account  number  _____________________,  or, if
mailed by check, to ____________________________________.  Applicable statements
should be mailed to ____________________________________.

     This information is provided by _______________________, the assignee named
above, or ___________________, as its agent.

<PAGE>

                                    EXHIBIT C

                           FORM OF CLASS B CERTIFICATE

THIS CERTIFICATE IS SUBORDINATED IN RIGHT OF PAYMENT TO THE SENIOR  CERTIFICATES
AND CLASS M CERTIFICATES [AND CLASS B-1] [CLASS B-2  CERTIFICATES]  DESCRIBED IN
THE AGREEMENT (AS DEFINED HEREIN).

THIS  CERTIFICATE  HAS NOT BEEN AND WILL NOT BE REGISTERED  UNDER THE SECURITIES
ACT OF 1933,  AS  AMENDED,  OR THE  SECURITIES  LAWS OF ANY STATE AND MAY NOT BE
RESOLD OR TRANSFERRED  UNLESS IT IS REGISTERED  PURSUANT TO SUCH ACT AND LAWS OR
IS SOLD OR TRANSFERRED IN TRANSACTIONS  WHICH ARE EXEMPT FROM REGISTRATION UNDER
SUCH ACT AND UNDER  APPLICABLE  STATE LAW AND IS TRANSFERRED IN ACCORDANCE  WITH
THE PROVISIONS OF SECTION 5.02 OF THE AGREEMENT.

NO TRANSFER OF THIS CERTIFICATE MAY BE MADE TO ANY PERSON, UNLESS THE TRANSFEREE
PROVIDES EITHER A CERTIFICATION  PURSUANT TO SECTION 5.02(e) OF THE AGREEMENT OR
AN OPINION OF COUNSEL  SATISFACTORY TO THE MASTER SERVICER,  THE COMPANY AND THE
TRUSTEE THAT THE PURCHASE OF THIS CERTIFICATE WILL NOT CONSTITUTE OR RESULT IN A
NON-EXEMPT  PROHIBITED  TRANSACTION UNDER SECTION 406 OF THE EMPLOYEE RETIREMENT
INCOME SECURITY ACT OF 1974, AS AMENDED  ("ERISA"),  OR SECTION 4975 OF THE CODE
AND WILL NOT  SUBJECT  THE MASTER  SERVICER,  THE  COMPANY OR THE TRUSTEE TO ANY
OBLIGATION OR LIABILITY IN ADDITION TO THOSE UNDERTAKEN IN THE AGREEMENT.

SOLELY FOR U.S.  FEDERAL  INCOME TAX PURPOSES,  THIS  CERTIFICATE  IS A "REGULAR
INTEREST" IN A "REAL  ESTATE  MORTGAGE  INVESTMENT  CONDUIT," AS THOSE TERMS ARE
DEFINED,  RESPECTIVELY,  IN SECTIONS  860G AND 860D OF THE CODE.  THE  FOLLOWING
INFORMATION  IS PROVIDED  SOLELY FOR THE PURPOSES OF APPLYING  THE U.S.  FEDERAL
INCOME TAX ORIGINAL ISSUE DISCOUNT ("OID") RULES TO THIS CERTIFICATE.  THE ISSUE
DATE OF THIS  CERTIFICATE  IS ___________  __, ____.  ASSUMING THAT THE MORTGAGE
LOANS PREPAY AT 100% OF THE  PREPAYMENT  SPEED  ASSUMPTION  (AS DESCRIBED IN THE
PROSPECTUS SUPPLEMENT),  THIS CERTIFICATE HAS BEEN ISSUED WITH NO MORE THAN $[ ]
OF OID PER  $[1,000]  OF INITIAL  CERTIFICATE  PRINCIPAL  BALANCE,  THE YIELD TO
MATURITY  IS [ ]% AND THE  AMOUNT OF OID  ATTRIBUTABLE  TO THE  INITIAL  ACCRUAL
PERIOD  IS NO MORE  THAN $[ ] PER  $[1,000]  OF  INITIAL  CERTIFICATE  PRINCIPAL
BALANCE,  COMPUTED UNDER THE APPROXIMATE  METHOD. NO REPRESENTATION IS MADE THAT
THE  MORTGAGE  LOANS  WILL  PREPAY  AT A  RATE  BASED  ON THE  PREPAYMENT  SPEED
ASSUMPTION OR AT ANY OTHER RATE.
<PAGE>

Certificate No.                                   [      ]% Pass-Through Rate

Class B-     Subordinate                          Aggregate Certificate
                                                  Principal Balance
Date of Pooling and Servicing                     of the Class B-
Agreement and Cut-off Date:                       Certificates as of
___________ 1, ____                               the Cut-off Date:
                                                  $
First Distribution Date:
_________ 25, ____                                Initial Certificate Principal
                                                  Balance of this Certificate:
Master Servicer:                                  $
Residential Funding Corporation

Assumed Final Distribution Date:
___________ 25, ____

                              MORTGAGE ASSET-BACKED PASS-THROUGH CERTIFICATE,
                                 SERIES ____-___

       evidencing a percentage  interest in any  distributions  allocable to the
       Class B- Certificates with respect to the Trust Fund consisting primarily
       of a pool of conventional  one- to four-family  fixed interest rate first
       mortgage loans formed and sold by RESIDENTIAL ACCREDIT LOANS, INC.

     This  Certificate  is payable solely from the assets of the Trust Fund, and
does not represent an obligation of or interest in Residential  Accredit  Loans,
Inc., the Master Servicer, the Trustee referred to below or GMAC Mortgage Group,
Inc. or any of their  affiliates.  Neither this  Certificate  nor the underlying
Mortgage  Loans  are  guaranteed  or  insured  by  any  governmental  agency  or
instrumentality or by Residential Accredit Loans, Inc., the Master Servicer, the
Trustee or GMAC Mortgage  Group,  Inc. or any of their  affiliates.  None of the
Company,  the  Master  Servicer,  GMAC  Mortgage  Group,  Inc.  or any of  their
affiliates  will have any  obligation  with respect to any  certificate or other
obligation secured by or payable from payments on the Certificates.

               This  certifies  that  Residential  Accredit  Loans,  Inc. is the
registered  owner  of the  Percentage  Interest  evidenced  by this  Certificate
(obtained by dividing the Certificate  Principal  Balance of this Certificate by
the aggregate Certificate  Principal Balance of all Class B- Certificates,  both
as  specified  above) in  certain  distributions  with  respect  to a Trust Fund
consisting  primarily  of a pool  of  conventional  one-  to  four-family  fixed
interest rate first mortgage loans (the  "Mortgage  Loans"),  formed and sold by
Residential  Accredit Loans, Inc.  (hereinafter called the "Company," which term
includes any successor entity under the Agreement  referred to below). The Trust
Fund  was  created  pursuant  to a  Pooling  and  Servicing  Agreement  dated as
specified  above (the  "Agreement")  among the Company,  the Master Servicer and
__________________,  as  trustee  (the  "Trustee"),  a summary of certain of the
pertinent provisions of which is set forth hereafter.  To the extent not defined
herein,  the  capitalized  terms used herein have the  meanings  assigned in the
Agreement.  This  Certificate  is issued  under  and is  subject  to the  terms,
provisions  and conditions of the  Agreement,  to which  Agreement the Holder of
this  Certificate by virtue of the  acceptance  hereof assents and by which such
Holder is bound.

<PAGE>

               Pursuant to the terms of the Agreement,  a  distribution  will be
made on the 25th day of each month or, if such 25th day is not a  Business  Day,
the Business Day immediately following (the "Distribution Date"),  commencing on
the first  Distribution  Date specified  above, to the Person in whose name this
Certificate  is  registered at the close of business on the last day (or if such
last day is not a Business Day, the Business Day immediately preceding such last
day) of the month next  preceding  the month of such  distribution  (the "Record
Date"), from the Available Distribution Amount in an amount equal to the product
of the  Percentage  Interest  evidenced by this  Certificate  and the amount (of
interest and principal, if any) required to be distributed to Holders of Class B
Certificates on such Distribution Date.

               Distributions  on this  Certificate  will be made  either  by the
Master  Servicer  acting on behalf of the Trustee or by a Paying Agent appointed
by the Trustee in  immediately  available  funds (by wire transfer or otherwise)
for the  account of the Person  entitled  thereto if such  Person  shall have so
notified  the Master  Servicer or such Paying  Agent,  or by check mailed to the
address of the Person entitled thereto, as such name and address shall appear on
the Certificate Register.

               Notwithstanding   the  above,  the  final  distribution  on  this
Certificate  will be made after due notice of the pendency of such  distribution
and only upon  presentation  and surrender of this  Certificate at the office or
agency  appointed  by the Trustee for that  purpose in the City and State of New
York. The Initial Certificate Principal Balance of this Certificate is set forth
above. The Certificate Principal Balance hereof will be reduced to the extent of
the  distributions  allocable to principal  and any  Realized  Losses  allocable
hereto.

               No transfer of this Class B Certificate  will be made unless such
transfer is exempt from the  registration  requirements of the Securities Act of
1933,  as  amended,  and  any  applicable  state  securities  laws or is made in
accordance  with said Act and laws.  In the event that such a transfer  is to be
made,  (i) the  Trustee  or the  Company  may  require  an  opinion  of  counsel
acceptable  to and in form and  substance  satisfactory  to the  Trustee and the
Company that such transfer is exempt  (describing  the applicable  exemption and
the  basis  therefor)  from  or is  being  made  pursuant  to  the  registration
requirements  of the Securities  Act of 1933, as amended,  and of any applicable
statute of any state and (ii) the transferee shall execute an investment  letter
in the form  described by the  Agreement.  The Holder hereof  desiring to effect
such  transfer  shall,  and does hereby agree to,  indemnify  the  Trustee,  the
Company,  the Master Servicer and the Certificate  Registrar acting on behalf of
the Trustee  against  any  liability  that may result if the  transfer is not so
exempt  or is not made in  accordance  with such  Federal  and  state  laws.  In
connection  with any such transfer,  the Trustee will also require either (i) an
opinion of counsel  acceptable to and in form and substance  satisfactory to the
Trustee,  the Company and the Master Servicer with respect to the permissibility
of such transfer under the Employee  Retirement  Income Security Act of 1974, as
amended  ("ERISA"),  and Section 4975 of the Internal  Revenue Code (the "Code")
and stating, among other things, that the transferee's  acquisition of a Class B
Certificate will not constitute or result in a non-exempt prohibited transaction
under Section 406 of ERISA or Section 4975 of the Code or (ii) a  representation
letter,  in the form as described by Section  5.02(e) of the  Agreement,  either

<PAGE>

stating that the transferee is not an employee  benefit or other plan subject to
the  prohibited  transaction  provisions of ERISA or Section 4975 of the Code (a
"Plan"), or any other person (including an investment manager, a named fiduciary
or a trustee  of any  Plan)  acting,  directly  or  indirectly,  on behalf of or
purchasing any  Certificate  with "plan assets" of any Plan, or stating that the
transferee  is an  insurance  company,  the  source of funds to be used by it to
purchase the Certificate is an "insurance  company general  account" (within the
meaning of Department of Labor Prohibited  Transaction Class Exemption  ("PTCE")
95-60),  and the purchase is being made in reliance upon the availability of the
exemptive relief afforded under Sections I and III of PTCE 95-60.

               This   Certificate  is  one  of  a  duly   authorized   issue  of
Certificates  issued in several  Classes  designated  as  Mortgage  Asset-Backed
Pass-Through  Certificates of the Series specified  hereon (herein  collectively
called the "Certificates").

               The  Certificates  are  limited  in right of  payment  to certain
collections  and  recoveries   respecting  the  Mortgage  Loans,   all  as  more
specifically set forth herein and in the Agreement. In the event Master Servicer
funds  are  advanced  with  respect  to  any  Mortgage  Loan,  such  advance  is
reimbursable  to the Master  Servicer,  to the extent provided in the Agreement,
from related recoveries on such Mortgage Loan or from other cash that would have
been distributable to Certificateholders.

               As  provided in the  Agreement,  withdrawals  from the  Custodial
Account   and/or  the   Certificate   Account   created   for  the   benefit  of
Certificateholders  may be made by the  Master  Servicer  from  time to time for
purposes other than distributions to Certificateholders, such purposes including
without  limitation  reimbursement  to the  Company  and the Master  Servicer of
advances made, or certain expenses incurred, by either of them.

               The Agreement permits,  with certain exceptions therein provided,
the  amendment  of  the  Agreement  and  the  modification  of  the  rights  and
obligations of the Company,  the Master  Servicer and the Trustee and the rights
of the  Certificateholders  under the Agreement at any time by the Company,  the
Master  Servicer and the Trustee with the consent of the Holders of Certificates
evidencing  in the aggregate  not less than 66% of the  Percentage  Interests of
each Class of Certificates  affected thereby.  Any such consent by the Holder of
this  Certificate  shall be  conclusive  and binding on such Holder and upon all
future  holders  of this  Certificate  and of any  Certificate  issued  upon the
transfer hereof or in exchange herefor or in lieu hereof whether or not notation
of such consent is made upon the  Certificate.  The  Agreement  also permits the
amendment thereof in certain circumstances without the consent of the Holders of
any of the Certificates and, in certain  additional  circumstances,  without the
consent of the Holders of certain Classes of Certificates.

               As provided in the Agreement  and subject to certain  limitations
therein  set forth,  the  transfer of this  Certificate  is  registrable  in the
Certificate  Register upon surrender of this  Certificate  for  registration  of
transfer  at the offices or  agencies  appointed  by the Trustee in the City and
State of New York, duly endorsed by, or accompanied by an assignment in the form
below or other  written  instrument  of  transfer  in form  satisfactory  to the
Trustee and the Certificate Registrar duly executed by the Holder hereof or such
Holder's  attorney  duly  authorized  in writing,  and thereupon one or more new
Certificates of authorized denominations evidencing the same Class and aggregate
Percentage Interest will be issued to the designated transferee or transferees.
<PAGE>

               The  Certificates  are issuable only as  registered  Certificates
without coupons in Classes and in denominations  specified in the Agreement.  As
provided in the Agreement and subject to certain  limitations therein set forth,
Certificates are  exchangeable for new Certificates of authorized  denominations
evidencing the same Class and aggregate Percentage Interest, as requested by the
Holder surrendering the same.

               No  service  charge  will be made  for any such  registration  of
transfer or exchange, but the Trustee may require payment of a sum sufficient to
cover any tax or other governmental charge payable in connection therewith.

               The Company, the Master Servicer, the Trustee and the Certificate
Registrar and any agent of the Company, the Master Servicer,  the Trustee or the
Certificate  Registrar  may treat the Person in whose name this  Certificate  is
registered  as the owner hereof for all purposes,  and neither the Company,  the
Master  Servicer,  the Trustee nor any such agent shall be affected by notice to
the contrary.

               This Certificate shall be governed by and construed in accordance
with the laws of the State of New York.

               The  obligations  created  by the  Agreement  in  respect  of the
Certificates and the Trust Fund created thereby shall terminate upon the payment
to  Certificateholders  of all  amounts  held by or on behalf of the Trustee and
required to be paid to them pursuant to the  Agreement  following the earlier of
(i) the maturity or other  liquidation of the last Mortgage Loan subject thereto
or the disposition of all property  acquired upon foreclosure or deed in lieu of
foreclosure  of any Mortgage  Loan and (ii) the purchase by the Master  Servicer
from the Trust Fund of all remaining Mortgage Loans and all property acquired in
respect of such  Mortgage  Loans,  thereby  effecting  early  retirement  of the
Certificates.  The Agreement permits,  but does not require, the Master Servicer
to (i) purchase at a price determined as provided in the Agreement all remaining
Mortgage Loans and all property acquired in respect of any Mortgage Loan or (ii)
purchase in whole,  but not in part,  all of the  Certificates  from the Holders
thereof; provided, that any such option may only be exercised if the Pool Stated
Principal  Balance of the Mortgage Loans as of the Distribution  Date upon which
the proceeds of any such  purchase are  distributed  is less than ten percent of
the Cut-off Date Principal Balance of the Mortgage Loans.

               Unless the certificate of authentication hereon has been executed
by the Certificate Registrar, by manual signature, this Certificate shall not be
entitled to any benefit under the Agreement or be valid for any purpose.

<PAGE>

               IN WITNESS WHEREOF, the Trustee has caused this Certificate to be
duly executed.

Dated:                                      [_____________________________],
                                   as Trustee

                                            By:
                                               ---------------------------------
                                                 Authorized Signatory

                          CERTIFICATE OF AUTHENTICATION

               This  is one of the  Class  M-  Certificates  referred  to in the
within-mentioned Agreement.

                                            [---------------------------],
                                                 as Certificate Registrar

                                            By:
                                               ---------------------------------
                                                 Authorized Signatory

<PAGE>

                                   ASSIGNMENT

     FOR  VALUE  RECEIVED,   the  undersigned  hereby  sell(s),   assign(s)  and
transfer(s) unto  _____________________________  (Please print or typewrite name
and  address  including  postal  zip code of  assignee)  a  Percentage  Interest
evidenced  by the within  Mortgage  Asset-Backed  Pass-Through  Certificate  and
hereby  authorizes the transfer of  registration of such interest to assignee on
the Certificate Register of the Trust Fund.

               I (We) further  direct the  Certificate  Registrar to issue a new
Certificate of a like  denomination  and Class,  to the above named assignee and
deliver such Certificate to the following address:

________________________________________________________________________________

                                         _____________________________________
Dated:                                   Signature by or on behalf of assignor

                                         ______________________________________
                                                 Signature Guaranteed

                            DISTRIBUTION INSTRUCTIONS

               The  assignee  should  include  the  following  for  purposes  of
distribution:

     Distributions shall be made, by wire transfer or otherwise,  in immediately
available   funds  to   ______________________________   for  the   account   of
_______________________________  account  number  _____________________,  or, if
mailed by check, to ____________________________________.  Applicable statements
should be mailed to ____________________________________.

     This information is provided by _______________________, the assignee named
above, or ___________________, as its agent.

<PAGE>

                                    EXHIBIT D

                           FORM OF CLASS R CERTIFICATE

THIS CERTIFICATE MAY NOT BE HELD BY OR TRANSFERRED TO A NON-UNITED STATES PERSON
OR A DISQUALIFIED ORGANIZATION (AS DEFINED BELOW).

SOLELY FOR U.S.  FEDERAL  INCOME TAX PURPOSES,  THIS  CERTIFICATE IS A "RESIDUAL
INTEREST"  IN A "REAL  ESTATE  MORTGAGE  INVESTMENT  CONDUIT" AS THOSE TERMS ARE
DEFINED, RESPECTIVELY, IN SECTIONS 860G AND 860D OF THE INTERNAL REVENUE CODE OF
1986 (THE "CODE").

NO TRANSFER OF THIS CERTIFICATE MAY BE MADE TO ANY PERSON, UNLESS THE TRANSFEREE
PROVIDES EITHER A CERTIFICATION  PURSUANT TO SECTION 5.02(e) OF THE AGREEMENT OR
AN OPINION OF COUNSEL  SATISFACTORY TO THE MASTER SERVICER,  THE COMPANY AND THE
TRUSTEE THAT THE PURCHASE OF THIS CERTIFICATE WILL NOT CONSTITUTE OR RESULT IN A
NON-EXEMPT  PROHIBITED  TRANSACTION UNDER SECTION 406 OF THE EMPLOYEE RETIREMENT
INCOME SECURITY ACT OF 1974, AS AMENDED  ("ERISA"),  OR SECTION 4975 OF THE CODE
AND WILL NOT  SUBJECT  THE MASTER  SERVICER,  THE  COMPANY OR THE TRUSTEE TO ANY
OBLIGATION OR LIABILITY IN ADDITION TO THOSE UNDERTAKEN IN THE AGREEMENT.

ANY RESALE,  TRANSFER OR OTHER  DISPOSITION OF THIS CERTIFICATE MAY BE MADE ONLY
IF THE PROPOSED  TRANSFEREE PROVIDES A TRANSFER AFFIDAVIT TO THE MASTER SERVICER
AND THE TRUSTEE THAT (1) SUCH TRANSFEREE IS NOT (A) THE UNITED STATES, ANY STATE
OR POLITICAL  SUBDIVISION  THEREOF,  ANY POSSESSION OF THE UNITED STATES, OR ANY
AGENCY OR INSTRUMENTALITY OF ANY OF THE FOREGOING (OTHER THAN AN INSTRUMENTALITY
WHICH IS A CORPORATION  IF ALL OF ITS  ACTIVITIES  ARE SUBJECT TO TAX AND EXCEPT
FOR FREDDIE  MAC, A MAJORITY OF ITS BOARD OF  DIRECTORS  IS NOT SELECTED BY SUCH
GOVERNMENTAL UNIT), (B) A FOREIGN GOVERNMENT, ANY INTERNATIONAL ORGANIZATION, OR
ANY AGENCY OR INSTRUMENTALITY  OF EITHER OF THE FOREGOING,  (C) ANY ORGANIZATION
(OTHER THAN CERTAIN FARMERS' COOPERATIVES  DESCRIBED IN SECTION 521 OF THE CODE)
WHICH IS  EXEMPT  FROM THE TAX  IMPOSED  BY  CHAPTER 1 OF THE CODE  UNLESS  SUCH
ORGANIZATION IS SUBJECT TO THE TAX IMPOSED BY SECTION 511 OF THE CODE (INCLUDING
THE TAX  IMPOSED  BY  SECTION  511 OF THE  CODE ON  UNRELATED  BUSINESS  TAXABLE
INCOME),  (D) RURAL  ELECTRIC AND  TELEPHONE  COOPERATIVES  DESCRIBED IN SECTION
1381(a)(2)(C)  OF THE CODE,  (E) AN ELECTING  LARGE  PARTNERSHIP  UNDER  SECTION
775(a) OF THE CODE (ANY SUCH PERSON DESCRIBED IN THE FOREGOING CLAUSES (A), (B),
(C), (D) OR (E) BEING HEREIN REFERRED TO AS A "DISQUALIFIED  ORGANIZATION"),  OR
(F) AN AGENT OF A DISQUALIFIED ORGANIZATION,  (2) NO PURPOSE OF SUCH TRANSFER IS
TO IMPEDE THE ASSESSMENT OR COLLECTION OF TAX AND (3) SUCH TRANSFEREE  SATISFIES
CERTAIN  ADDITIONAL  CONDITIONS  RELATING  TO  THE  FINANCIAL  CONDITION  OF THE
PROPOSED  TRANSFEREE.   NOTWITHSTANDING  THE  REGISTRATION  IN  THE  CERTIFICATE
REGISTER OR ANY TRANSFER,  SALE OR OTHER  DISPOSITION  OF THIS  CERTIFICATE TO A
DISQUALIFIED  ORGANIZATION  OR AN AGENT  OF A  DISQUALIFIED  ORGANIZATION,  SUCH
REGISTRATION  SHALL BE DEEMED TO BE OF NO LEGAL FORCE OR EFFECT  WHATSOEVER  AND
SUCH  PERSON  SHALL  NOT BE  DEEMED TO BE A  CERTIFICATEHOLDER  FOR ANY  PURPOSE
HEREUNDER,  INCLUDING,  BUT NOT LIMITED TO, THE RECEIPT OF DISTRIBUTIONS ON THIS
CERTIFICATE.  EACH HOLDER OF THIS  CERTIFICATE BY ACCEPTANCE OF THIS CERTIFICATE
SHALL BE DEEMED TO HAVE CONSENTED TO THE PROVISIONS OF THIS PARAGRAPH.
<PAGE>

Certificate No.                                   [      ]% Pass-Through Rate

Class R Senior                                    Aggregate Initial Certificate
                                                  Principal Balance of the
Date of Pooling and Servicing                     Class R Certificates:
Agreement and Cut-off Date:                       $100.00
___________ 1, ____
                                                  Initial Certificate Principal
First Distribution Date:                          Balance of this Certificate:
_________ 25, ____                                $

Master Servicer:                                  Percentage Interest:
Residential Funding Corporation                                 %
                                                  --------------

Assumed Final Distribution Date:                  CUSIP 76110F-
___________ 25, ____

                              MORTGAGE ASSET-BACKED PASS-THROUGH CERTIFICATE,
                                 SERIES ____-___

        evidencing a percentage  interest in any distributions  allocable to the
        Class R Certificates with respect to the Trust Fund consisting primarily
        of a pool of conventional  one- to four-family fixed interest rate first
        mortgage loans formed and sold by RESIDENTIAL ACCREDIT LOANS, INC.

     This  Certificate  is payable solely from the assets of the Trust Fund, and
does not represent an obligation of or interest in Residential  Accredit  Loans,
Inc., the Master Servicer, the Trustee referred to below or GMAC Mortgage Group,
Inc. or any of their  affiliates.  Neither this  Certificate  nor the underlying
Mortgage  Loans  are  guaranteed  or  insured  by  any  governmental  agency  or
instrumentality or by Residential Accredit Loans, Inc., the Master Servicer, the
Trustee or GMAC Mortgage  Group,  Inc. or any of their  affiliates.  None of the
Company,  the  Master  Servicer,  GMAC  Mortgage  Group,  Inc.  or any of  their
affiliates  will have any  obligation  with respect to any  certificate or other
obligation secured by or payable from payments on the Certificates.

               This  certifies  that is the  registered  owner of the Percentage
Interest  evidenced  by this  Certificate  (obtained  by  dividing  the  Initial
Certificate  Principal  Balance of this  Certificate  by the  aggregate  Initial
Certificate  Principal  Balance of all Class R  Certificates,  both as specified
above) in  certain  distributions  with  respect  to the Trust  Fund  consisting
primarily of a pool of  conventional  one- to  four-family  fixed  interest rate
first  mortgage  loans (the  "Mortgage  Loans"),  formed and sold by Residential
Accredit Loans, Inc.  (hereinafter called the "Company," which term includes any
successor  entity  under the  Agreement  referred to below).  The Trust Fund was
created  pursuant to a Pooling and Servicing  Agreement dated as specified above
(the "Agreement") among the Company, the Master Servicer and __________________,
as trustee (the "Trustee"),  a summary of certain of the pertinent provisions of
which is set forth hereafter.  To the extent not defined herein, the capitalized
terms used herein have the meanings assigned in the Agreement.  This Certificate
is issued under and is subject to the terms,  provisions  and  conditions of the
Agreement,  to which  Agreement the Holder of this  Certificate by virtue of the
acceptance hereof assents and by which such Holder is bound.

               Pursuant to the terms of the Agreement,  a  distribution  will be
made on the 25th day of each month or, if such 25th day is not a  Business  Day,
the Business Day immediately following (the "Distribution Date"),  commencing as
described  in the  Agreement,  to the Person in whose name this  Certificate  is
registered  at the close of business on the last day (or if such last day is not
a Business  Day, the Business Day  immediately  preceding  such last day) of the
month immediately  preceding the month of such distribution (the "Record Date"),
from the Available  Distribution Amount in an amount equal to the product of the
Percentage  Interest  evidenced by this  Certificate and the amount (of interest
and  principal,  if any)  required  to be  distributed  to  Holders  of  Class R
Certificates on such Distribution Date.

               Each Holder of this  Certificate will be deemed to have agreed to
be bound by the  restrictions  set forth in the Agreement to the effect that (i)
each person holding or acquiring any Ownership Interest in this Certificate must
be a United States Person and a Permitted  Transferee,  (ii) the transfer of any
Ownership  Interest in this Certificate will be conditioned upon the delivery to
the Trustee of,  among other  things,  an  affidavit  to the effect that it is a
United States Person and Permitted Transferee,  (iii) any attempted or purported
transfer of any  Ownership  Interest in this  Certificate  in  violation of such
restrictions  will be  absolutely  null and void and will  vest no rights in the
purported  transferee,  and (iv) if any person other than a United States Person
and a Permitted  Transferee  acquires any Ownership Interest in this Certificate
in violation of such restrictions,  then the Company will have the right, in its
sole  discretion and without notice to the Holder of this  Certificate,  to sell
this Certificate to a purchaser selected by the Company,  which purchaser may be
the Company,  or any affiliate of the Company,  on such terms and  conditions as
the Company may choose.

               Notwithstanding   the  above,  the  final  distribution  on  this
Certificate  will be made after due notice of the pendency of such  distribution
and only upon  presentation  and surrender of this  Certificate at the office or
agency  appointed  by the Trustee for that  purpose in the City and State of New
York. The Initial Certificate Principal Balance of this Certificate is set forth
above. The Certificate Principal Balance hereof will be reduced to the extent of
distributions  allocable to principal and any Realized Losses allocable  hereto.
Notwithstanding  the reduction of the  Certificate  Principal  Balance hereof to
zero,  this  Certificate  will remain  outstanding  under the  Agreement and the
Holder hereof may have additional  obligations with respect to this Certificate,
including  tax   liabilities,   and  may  be  entitled  to  certain   additional
distributions  hereon,  in  accordance  with the  terms  and  provisions  of the
Agreement.
<PAGE>

               No transfer of this Class R  Certificate  will be made unless the
Trustee has received either (i) an opinion of counsel  acceptable to and in form
and substance  satisfactory to the Trustee,  the Company and the Master Servicer
with  respect  to  the  permissibility  of  such  transfer  under  the  Employee
Retirement Income Security Act of 1974, as amended  ("ERISA"),  and Section 4975
of the Internal Revenue Code (the "Code") and stating,  among other things, that
the  transferee's  acquisition  of a Class R Certificate  will not constitute or
result in a  non-exempt  prohibited  transaction  under  Section 406 of ERISA or
Section  4975 of the  Code  or  (ii) a  representation  letter,  in the  form as
described  by the  Agreement,  stating  that the  transferee  is not an employee
benefit or other plan subject to the prohibited  transaction provisions of ERISA
or  Section  4975 of the Code (a  "Plan"),  or any other  person  (including  an
investment manager, a named fiduciary or a trustee of any Plan) acting, directly
or indirectly,  on behalf of or purchasing any Certificate with "plan assets" of
any Plan.

               This   Certificate  is  one  of  a  duly   authorized   issue  of
Certificates  issued in several  Classes  designated  as  Mortgage  Asset-Backed
Pass-Through  Certificates of the Series specified  hereon (herein  collectively
called the "Certificates").

               The  Certificates  are  limited  in right of  payment  to certain
collections  and  recoveries   respecting  the  Mortgage  Loans,   all  as  more
specifically set forth herein and in the Agreement. In the event Master Servicer
funds  are  advanced  with  respect  to  any  Mortgage  Loan,  such  advance  is
reimbursable  to the Master  Servicer,  to the extent provided in the Agreement,
from related recoveries on such Mortgage Loan or from other cash that would have
been distributable to Certificateholders.

               As  provided in the  Agreement,  withdrawals  from the  Custodial
Account   and/or  the   Certificate   Account   created   for  the   benefit  of
Certificateholders  may be made by the  Master  Servicer  from  time to time for
purposes other than distributions to Certificateholders, such purposes including
without  limitation  reimbursement  to the  Company  and the Master  Servicer of
advances made, or certain expenses incurred, by either of them.

               The Agreement permits,  with certain exceptions therein provided,
the  amendment  of  the  Agreement  and  the  modification  of  the  rights  and
obligations of the Company,  the Master  Servicer and the Trustee and the rights
of the  Certificateholders  under the Agreement at any time by the Company,  the
Master  Servicer and the Trustee with the consent of the Holders of Certificates
evidencing  in the aggregate  not less than 66% of the  Percentage  Interests of
each Class of Certificates  affected thereby.  Any such consent by the Holder of
this  Certificate  shall be  conclusive  and binding on such Holder and upon all
future  holders  of this  Certificate  and of any  Certificate  issued  upon the
transfer hereof or in exchange herefor or in lieu hereof whether or not notation
of such consent is made upon the  Certificate.  The  Agreement  also permits the
amendment thereof in certain circumstances without the consent of the Holders of
any of the Certificates and, in certain  additional  circumstances,  without the
consent of the Holders of certain Classes of Certificates.
<PAGE>

               As provided in the Agreement  and subject to certain  limitations
therein  set forth,  the  transfer of this  Certificate  is  registrable  in the
Certificate  Register upon surrender of this  Certificate  for  registration  of
transfer  at the offices or  agencies  appointed  by the Trustee in the City and
State of New York, duly endorsed by, or accompanied by an assignment in the form
below or other  written  instrument  of  transfer  in form  satisfactory  to the
Trustee and the Certificate Registrar duly executed by the Holder hereof or such
Holder's  attorney  duly  authorized  in writing,  and thereupon one or more new
Certificates of authorized denominations evidencing the same Class and aggregate
Percentage Interest will be issued to the designated transferee or transferees.

               The  Certificates  are issuable only as  registered  Certificates
without coupons in Classes and in denominations  specified in the Agreement.  As
provided in the Agreement and subject to certain  limitations therein set forth,
Certificates are  exchangeable for new Certificates of authorized  denominations
evidencing the same Class and aggregate Percentage Interest, as requested by the
Holder surrendering the same.

               No  service  charge  will be made  for any such  registration  of
transfer or exchange, but the Trustee may require payment of a sum sufficient to
cover any tax or other governmental charge payable in connection therewith.

               The Company, the Master Servicer, the Trustee and the Certificate
Registrar and any agent of the Company, the Master Servicer,  the Trustee or the
Certificate  Registrar  may treat the Person in whose name this  Certificate  is
registered  as the owner hereof for all purposes,  and neither the Company,  the
Master  Servicer,  the Trustee nor any such agent shall be affected by notice to
the contrary.

               This Certificate shall be governed by and construed in accordance
with the laws of the State of New York.

               The  obligations  created  by the  Agreement  in  respect  of the
Certificates and the Trust Fund created thereby shall terminate upon the payment
to  Certificateholders  of all  amounts  held by or on behalf of the Trustee and
required to be paid to them pursuant to the  Agreement  following the earlier of
(i) the maturity or other  liquidation of the last Mortgage Loan subject thereto
or the disposition of all property  acquired upon foreclosure or deed in lieu of
foreclosure  of any Mortgage  Loan and (ii) the purchase by the Master  Servicer
from the Trust Fund of all remaining Mortgage Loans and all property acquired in
respect of such  Mortgage  Loans,  thereby  effecting  early  retirement  of the
Certificates.  The Agreement permits,  but does not require, the Master Servicer
to (i) purchase at a price determined as provided in the Agreement all remaining
Mortgage Loans and all property acquired in respect of any Mortgage Loan or (ii)
purchase in whole,  but not in part,  all of the  Certificates  from the Holders
thereof; provided, that any such option may only be exercised if the Pool Stated
Principal  Balance of the Mortgage Loans as of the Distribution  Date upon which
the proceeds of any such  purchase are  distributed  is less than ten percent of
the Cut-off Date Principal Balance of the Mortgage Loans.

               Reference  is  hereby  made  to the  further  provisions  of this
Certificate set forth on the reverse hereof,  which further provisions shall for
all purpose have the same effect as if set forth at this place.

               Unless the certificate of authentication hereon has been executed
by the Certificate Registrar, by manual signature, this Certificate shall not be
entitled to any benefit under the Agreement or be valid for any purpose.

<PAGE>

               IN WITNESS WHEREOF, the Trustee has caused this Certificate to be
duly executed.

Dated:                                      [____________________________],
                                            as Trustee

                                            By:
                                               ---------------------------------
                                                 Authorized Signatory

                          CERTIFICATE OF AUTHENTICATION

               This  is one of  the  Class  R  Certificates  referred  to in the
within-mentioned Agreement.

                                            [----------------------------],
                                                 as Certificate Registrar

                                            By:
                                               ---------------------------------
                                                 Authorized Signatory

<PAGE>

                                   ASSIGNMENT

     FOR  VALUE  RECEIVED,   the  undersigned  hereby  sell(s),   assign(s)  and
transfer(s) unto  _____________________________  (Please print or typewrite name
and  address  including  postal  zip code of  assignee)  a  Percentage  Interest
evidenced  by the within  Mortgage  Asset-Backed  Pass-Through  Certificate  and
hereby  authorizes the transfer of  registration of such interest to assignee on
the Certificate Register of the Trust Fund.

               I (We) further  direct the  Certificate  Registrar to issue a new
Certificate of a like  denomination  and Class,  to the above named assignee and
deliver such Certificate to the following address:

________________________________________________________________________________

                                         _____________________________________
Dated:                                   Signature by or on behalf of assignor

                                         ______________________________________
                                                 Signature Guaranteed

                            DISTRIBUTION INSTRUCTIONS

               The  assignee  should  include  the  following  for  purposes  of
distribution:

     Distributions shall be made, by wire transfer or otherwise,  in immediately
available   funds  to   ______________________________   for  the   account   of
_______________________________  account  number  _____________________,  or, if
mailed by check, to ____________________________________.  Applicable statements
should be mailed to ____________________________________.

     This information is provided by _______________________, the assignee named
above, or ___________________, as its agent.

<PAGE>

                                    EXHIBIT E

                        FORM OF SELLER/SERVICER CONTRACT

        This  Seller/Servicer  Contract  (as  may be  amended,  supplemented  or
otherwise  modified from time to time, this "Contract") is made this day of , 20
, by and between  Residential  Funding  Corporation,  its successors and assigns
("Residential   Funding")  and  (the   "Seller/Servicer,"   and,  together  with
Residential Funding, the "parties" and each, individually, a "party").

        WHEREAS,  the  Seller/Servicer  desires to sell Loans to, and/or service
Loans for,  Residential  Funding,  and  Residential  Funding desires to purchase
Loans from the Seller/Servicer  and/or have the Seller/Servicer  service various
of its Loans, pursuant to the terms of this Contract and the Residential Funding
Seller  and  Servicer  Guides  incorporated  herein by  reference,  as  amended,
supplemented or otherwise modified, from time to time (together, the "Guides").

        NOW,  THEREFORE,  in  consideration  of the  premises,  and  the  terms,
conditions and agreements set forth below, the parties agree as follows:

1.      INCORPORATION OF GUIDES BY REFERENCE.

        The  Seller/Servicer  acknowledges  that it has  received  and  read the
Guides. All provisions of the Guides are incorporated by reference into and made
a part of this  Contract,  and  shall be  binding  upon the  parties;  provided,
however,  that the  Seller/Servicer  shall be  entitled  to sell Loans to and/or
service Loans for  Residential  Funding only if and for so long as it shall have
been authorized to do so by Residential  Funding in writing.  Specific reference
in this  Contract  to  particular  provisions  of the  Guides  and not to  other
provisions  does not mean that those  provisions of the Guides not  specifically
cited in this Contract are not applicable.  All terms used herein shall have the
same  meanings  as such terms have in the  Guides,  unless the  context  clearly
requires otherwise.

2.      AMENDMENTS.

        This Contract may not be amended or modified orally, and no provision of
this  Contract  may be waived or amended  except in writing  signed by the party
against whom  enforcement  is sought.  Such a written  waiver or amendment  must
expressly  reference this Contract.  However,  by their terms, the Guides may be
amended or  supplemented  by  Residential  Funding  from time to time.  Any such
amendment(s) to the Guides shall be binding upon the parties hereto.

3.      REPRESENTATIONS AND WARRANTIES.

a.      Reciprocal Representations and Warranties.

               The  Seller/Servicer  and Residential Funding each represents and
warrants to the other that as of the date of this Contract:
<PAGE>

(1)                   Each party is duly  organized,  validly  existing,  and in
                      good  standing  under  the  laws  of its  jurisdiction  of
                      organization,  is qualified,  if necessary, to do business
                      and in good standing in each  jurisdiction  in which it is
                      required to be so qualified,  and has the requisite  power
                      and  authority  to enter into this  Contract and all other
                      agreements  which are contemplated by this Contract and to
                      carry out its  obligations  hereunder and under the Guides
                      and under such other agreements.

(2)                   This  Contract  has been  duly  authorized,  executed  and
                      delivered  by each  party  and  constitutes  a  valid  and
                      legally  binding  agreement of each party  enforceable  in
                      accordance with its terms.

(3)                   There is no action, proceeding or investigation pending or
                      threatened,  and no basis  therefor  is  known  to  either
                      party,  that could  affect  the  validity  or  prospective
                      validity of this Contract.

(4)  Insofar as its capacity to carry out any obligation  under this Contract is
     concerned,  neither  party is in  violation  of any  charter,  articles  of
     incorporation,   bylaws,  mortgage,  indenture,  indebtedness,   agreement,
     instrument,  judgment,  decree, order, statute, rule or regulation and none
     of the  foregoing  adversely  affects  its  capacity  to fulfill any of its
     obligations under this Contract. Its execution of, and performance pursuant
     to, this Contract will not result in a violation of any of the foregoing.

b.      Seller/Servicer's Representations, Warranties and Covenants.

               In addition to the representations, warranties and covenants made
               by the  Seller/Servicer  pursuant  to  subparagraph  (a) of  this
               paragraph  3,  the  Seller/Servicer  makes  the  representations,
               warranties  and  covenants  set  forth in the  Guides  and,  upon
               request,  agrees to deliver to Residential  Funding the certified
               Resolution of Board of Directors  which  authorizes the execution
               and delivery of this Contract.

4.      REMEDIES OF RESIDENTIAL FUNDING.

        If an Event of Seller  Default  or an Event of  Servicer  Default  shall
occur,  Residential  Funding  may, at its option,  exercise one or more of those
remedies set forth in the Guides.

5.      SELLER/SERVICER'S STATUS AS INDEPENDENT CONTRACTOR.

        At no time shall the  Seller/Servicer  represent that it is acting as an
agent of Residential Funding. The Seller/Servicer shall, at all times, act as an
independent contractor.

6.      PRIOR AGREEMENTS SUPERSEDED.

        This Contract  restates,  amends and supersedes any and all prior Seller
Contracts or Servicer Contracts between the parties except that any subservicing
agreement  executed by the  Seller/Servicer in connection with any loan-security
exchange transaction shall not be affected.
<PAGE>

7.      ASSIGNMENT.

        This Contract may not be assigned or  transferred,  in whole or in part,
by the Seller/Servicer without the prior written consent of Residential Funding.
Residential  Funding may sell,  assign,  convey,  hypothecate,  pledge or in any
other way transfer,  in whole or in part, without restriction,  its rights under
this Contract and the Guides with respect to any Commitment or Loan.

8.      NOTICES.

        All notices,  requests,  demands or other  communications that are to be
given under this  Contract  shall be in writing,  addressed  to the  appropriate
parties and sent by  telefacsimile  or by overnight  courier or by United States
mail,  postage prepaid,  to the addresses and  telefacsimile  numbers  specified
below.  However,  another  name,  address  and/or  telefacsimile  number  may be
substituted  by  the  Seller/Servicer  pursuant  to  the  requirements  of  this
paragraph 8, or Residential Funding pursuant to an amendment to the Guides.

If to Residential  Funding,  notices must be sent to the appropriate  address or
telefacsimile number specified in the Guides.

If to the Seller/Servicer, notice must be sent to:

      Attention:___________________________________

      Telefacsimile Number:  (      )       -
                              ------  ------
9.      JURISDICTION AND VENUE.

        Each of the parties irrevocably submits to the jurisdiction of any state
or federal court located in Hennepin County, Minnesota, over any action, suit or
proceeding  to enforce or defend any right  under  this  Contract  or  otherwise
arising from any loan sale or servicing relationship existing in connection with
this  Contract,  and each of the parties  irrevocably  agrees that all claims in
respect of any such  action or  proceeding  may be heard or  determined  in such
state or federal court. Each of the parties irrevocably waives the defense of an
inconvenient  forum to the  maintenance of any such action or proceeding and any
other  substantive or procedural  rights or remedies it may have with respect to
the maintenance of any such action or proceeding in any such forum.  Each of the
parties agrees that a final  judgment in any such action or proceeding  shall be
conclusive and may be enforced in any other jurisdiction by suit on the judgment
or in any other manner  provided by law. Each of the parties  further agrees not
to institute  any legal  actions or  proceedings  against the other party or any
director,  officer,  employee,  attorney,  agent or property of the other party,
arising  out of or  relating  to  this  Contract  in any  court  other  than  as
hereinabove specified in this paragraph 9.
<PAGE>

10.     MISCELLANEOUS.

        This Contract, including all documents incorporated by reference herein,
constitutes the entire  understanding  between the parties hereto and supersedes
all other agreements, covenants, representations, warranties, understandings and
communications between the parties, whether written or oral, with respect to the
transactions  contemplated by this Contract.  All paragraph  headings  contained
herein  are for  convenience  only and  shall not be  construed  as part of this
Contract.  Any provision of this Contract that is prohibited or unenforceable in
any jurisdiction shall, as to such jurisdiction, be ineffective to the extent of
such prohibition or unenforceability without invalidating the remaining portions
hereof or affecting  the  validity or  enforceability  of such  provision in any
other jurisdiction,  and, to this end, the provisions hereof are severable. This
Contract  shall be governed by, and construed  and enforced in accordance  with,
applicable federal laws and the laws of the State of Minnesota.

<PAGE>

        IN WITNESS WHEREOF,  the duly authorized officers of the Seller/Servicer
and Residential  Funding have executed this  Seller/Servicer  Contract as of the
date first above written.

ATTEST:                                 SELLER/SERVICER

[Corporate Seal]

                                                       (Name of Seller/Servicer)
By:                                     By:
   --------------------------------
      (Signature)                                        (Signature)
By:                                     By:
   --------------------------------
      (Typed Name)                                       (Typed Name)
Title:                                  Title:
      ------------------------------
======================================= ========================================

ATTEST:                                 RESIDENTIAL FUNDING CORPORATION
[Corporate Seal]

By:                                     By:
   --------------------------------
      (Signature)                                        (Signature)
By:                                     By:
   --------------------------------
      (Typed Name)                                       (Typed Name)
Title:                                  Title:
      ------------------------------

<PAGE>

                                    EXHIBIT F
                          FORMS OF REQUEST FOR RELEASE

DATE:

TO:

RE:            REQUEST FOR RELEASE OF DOCUMENTS

In connection with the  administration of the pool of Mortgage Loans held by you
for the  referenced  pool,  we request  the  release of the  Mortgage  Loan File
described below.

Pooling and Servicing Agreement Dated:
Series#:
Account#:
Pool#:
Loan#:
MIN#:
Borrower Name(s):
Reason for Document Request:      (circle one)

        Mortgage Loan Prepaid in Full              Mortgage Loan Repurchased

"We hereby  certify  that all amounts  received or to be received in  connection
with such  payments  which are required to be deposited  have been or will be so
deposited as provided in the Pooling and Servicing Agreement."

Residential Funding Corporation
Authorized Signature

******************************************************************************

TO  CUSTODIAN/TRUSTEE:  Please acknowledge this request, and check off documents
being  enclosed  with a copy of this form.  You should retain this form for your
files in accordance with the terms of the Pooling and Servicing Agreement.

Enclosed Documents:          [ ]  Promissory Note
                             [ ]  Primary Insurance Policy
                             [ ]  Mortgage or Deed of Trust
                             [ ] Assignment(s) of Mortgage or Deed of Trust
                             [ ]  Title Insurance Policy
                             [ ]  Other:

Name:
     ------------------------
Title:
      -----------------------
Date:
     ------------------------

<PAGE>

                                   EXHIBIT G-1

                    FORM OF TRANSFER AFFIDAVIT AND AGREEMENT

STATE OF                         )
                                 )    ss.:
COUNTY OF                        )
               [NAME OF OFFICER], being first duly sworn, deposes and says:

1. That he is [Title of Officer] of [Name of Owner] (record or beneficial  owner
of the Mortgage Asset-Backed Pass-Through Certificates, Series ____-___, Class R
(the  "Owner")),  a  [savings  institution]  [corporation]  duly  organized  and
existing  under the laws of [the State  of__________ ] [the United  States],  on
behalf of which he makes this affidavit and agreement.

2. That the Owner (i) is not and will not be a "disqualified organization" or an
electing  large  partnership  as of [date of  transfer]  within  the  meaning of
Sections 860E(e)(5) and 775, respectively, of the Internal Revenue Code of 1986,
as amended (the "Code") or an electing large partnership under Section 775(a) of
the Code,  (ii) will endeavor to remain other than a  disqualified  organization
for so long as it retains its  ownership  interest in the Class R  Certificates,
and (iii) is acquiring the Class R  Certificates  for its own account or for the
account of another  Owner from which it has received an affidavit  and agreement
in  substantially  the same  form as this  affidavit  and  agreement.  (For this
purpose, a "disqualified organization" means an electing large partnership under
Section 775 of the Code, the United States,  any state or political  subdivision
thereof,  any agency or  instrumentality  of any of the foregoing (other than an
instrumentality  all of the  activities of which are subject to tax and,  except
for the Federal  Home Loan  Mortgage  Corporation,  a majority of whose board of
directors  is not  selected  by any such  governmental  entity)  or any  foreign
government,  international organization or any agency or instrumentality of such
foreign government or organization, any rural electric or telephone cooperative,
or any organization (other than certain farmers' cooperatives) that is generally
exempt from federal income tax unless such organization is subject to the tax on
unrelated business taxable income).

3. That the Owner is aware (i) of the tax that would be imposed on  transfers of
Class  R  Certificates   to   disqualified   organizations   or  electing  large
partnerships,  under  the  Code,  that  applies  to all  transfers  of  Class  R
Certificates after March 31, 1988; (ii) that such tax would be on the transferor
(or,  with  respect to transfers to electing  large  partnerships,  on each such
partnership),  or, if such transfer is through an agent (which person includes a
broker,  nominee or middleman)  for a disqualified  organization,  on the agent;
(iii) that the person  (other than with respect to  transfers to electing  large
partnerships)  otherwise  liable for the tax shall be relieved of liability  for
the tax if the  transferee  furnishes  to such  person  an  affidavit  that  the
transferee is not a disqualified organization and, at the time of transfer, such
person does not have actual knowledge that the affidavit is false; and (iv) that
the Class R Certificates  may be  "noneconomic  residual  interests"  within the
meaning of Treasury  regulations  promulgated  pursuant to the Code and that the
transferor of a noneconomic  residual  interest will remain liable for any taxes
due with respect to the income on such residual interest,  unless no significant
purpose of the transfer was to impede the assessment or collection of tax.
<PAGE>

4. That the Owner is aware of the tax imposed on a "pass-through entity" holding
Class R  Certificates  if either the  pass-through  entity is an electing  large
partnership  under  Section 775 of the if at any time during the taxable year of
the pass-through  entity a disqualified  organization is the record holder of an
interest in such entity.  (For this purpose,  a "pass through entity" includes a
regulated  investment  company,  a real estate  investment trust or common trust
fund, a partnership, trust or estate, and certain cooperatives.)

5. The Owner is either (i) a citizen or  resident of the United  States,  (ii) a
corporation,  partnership  or  other  entity  treated  as  a  corporation  or  a
partnership for U.S.  federal income tax purposes and created or organized in or
under the laws of the  United  States,  any state  thereof  or the  District  of
Columbia (other than a partnership that is not treated as a United States person
under any applicable Treasury regulations), (iii) an estate that is described in
Section 7701(a)(30)(D) of the Code, or (iv) a trust that is described in Section
7701(a)(30)(E) of the Code.

6. The  Owner  hereby  agrees  that it will not  cause  income  from the Class R
Certificates to be attributable to a foreign  permanent  establishment  or fixed
base  (within  the meaning of an  applicable  income tax treaty) of the Owner or
another United States taxpayer.

7. That the Owner is aware that the Trustee  will not  register  the transfer of
any Class R  Certificates  unless the  transferee,  or the  transferee's  agent,
delivers to it an affidavit and agreement,  among other things, in substantially
the same form as this affidavit and agreement.  The Owner expressly  agrees that
it will not consummate any such transfer if it knows or believes that any of the
representations contained in such affidavit and agreement are false.

8. That the Owner has  reviewed  the  restrictions  set forth on the face of the
Class R Certificates  and the  provisions of Section  5.02(f) of the Pooling and
Servicing  Agreement  under  which  the Class R  Certificates  were  issued  (in
particular,  clause (iii)(A) and (iii)(B) of Section 5.02(f) which authorize the
Trustee to deliver  payments  to a person  other than the Owner and  negotiate a
mandatory sale by the Trustee in the event the Owner holds such  Certificates in
violation of Section 5.02(f)).  The Owner expressly agrees to be bound by and to
comply with such restrictions and provisions.

9. That the Owner consents to any additional  restrictions or arrangements  that
shall be deemed  necessary  upon advice of counsel to  constitute  a  reasonable
arrangement to ensure that the Class R Certificates will only be owned, directly
or indirectly, by an Owner that is not a disqualified organization.

10.     The Owner's Taxpayer Identification Number is  ______________________.

11. This affidavit and agreement  relates only to the Class R Certificates  held
by the Owner and not to any other holder of the Class R Certificates.  The Owner
understands  that the  liabilities  described  herein relate only to the Class R
Certificates.
<PAGE>

12. That no purpose of the Owner  relating to the transfer of any of the Class R
Certificates  by the Owner is or will be to impede the  assessment or collection
of any tax; in making this representation,  the Owner warrants that the Owner is
familiar with (i) Treasury  Regulation Section 1.860E-1(c) and recent amendments
thereto,  effective as of July 19, 2002,  and (ii) the preamble  describing  the
adoption of the  amendments  to such  regulation,  which is  attached  hereto as
Exhibit 1.

13.  That the Owner has no  present  knowledge  or  expectation  that it will be
unable  to  pay  any  United  States  taxes  owed  by it so  long  as any of the
Certificates remain outstanding.  In this regard, the Owner hereby represents to
and for the benefit of the person from whom it acquired the Class R  Certificate
that the Owner  intends  to pay  taxes  associated  with  holding  such  Class R
Certificate  as they  become  due,  fully  understanding  that it may  incur tax
liabilities in excess of any cash flows generated by the Class R Certificate.

14. That the Owner has no present  knowledge or expectation  that it will become
insolvent or subject to a bankruptcy  proceeding for so long as any of the Class
R Certificates remain outstanding.

15. The  Purchaser is not an employee  benefit plan or other plan subject to the
prohibited transaction provisions of the Employee Retirement Income Security Act
of 1974, as amended  ("ERISA"),  or Section 4975 of the Internal Revenue Code of
1986, as amended (the "Code"),  or an investment  manager,  named fiduciary or a
trustee of any such plan, or any other Person acting, directly or indirectly, on
behalf of or purchasing any Certificate with "plan assets" of any such plan.

<PAGE>

               IN WITNESS  WHEREOF,  the Owner has caused this  instrument to be
executed on its behalf,  pursuant to the authority of its Board of Directors, by
its [Title of Officer] and its corporate seal to be hereunto attached,  attested
by its [Assistant] Secretary, this day of , 200 .

                                            [NAME OF OWNER]

                                            By:
                                               ---------------------------------
                                                 [Name of Officer]
                                                 [Title of Officer]
[Corporate Seal]

ATTEST:

[Assistant] Secretary

               Personally  appeared before me the above-named [Name of Officer],
known  or  proved  to me to be  the  same  person  who  executed  the  foregoing
instrument and to be the [Title of Officer] of the Owner, and acknowledged to me
that he executed  the same as his free act and deed and the free act and deed of
the Owner.

               Subscribed and sworn before me this  ____ day of  ___________,
200 ____

                                  NOTARY PUBLIC

                                            COUNTY OF
                                                     ---------------------------
                                            STATE OF
                                                    ----------------------------

                           My Commission  expires the _____ day of _____,20___.

<PAGE>

                                    EXHIBIT 1

DEPARTMENT OF THE TREASURY

Internal Revenue Service

26 CFR Parts 1 and 602

[TD 9004]
RIN 1545-AW98

Real Estate Mortgage Investment Conduits

AGENCY: Internal Revenue Service (IRS), Treasury.

ACTION: Final regulations.

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

SUMMARY:  This  document  contains  final  regulations  relating  to safe harbor
transfers of noneconomic  residual interests in real estate mortgage  investment
conduits (REMICs).  The final regulations provide additional  limitations on the
circumstances under which transferors may claim safe harbor treatment.

DATES: Effective Date: These regulations are effective July 19, 2002.
    Applicability Date: For dates of applicability, see Sec. 1.860E-
(1)(c)(10).

FOR FURTHER INFORMATION CONTACT: Courtney Shepardson at (202) 622-3940
(not a toll-free number).

SUPPLEMENTARY INFORMATION:

Paperwork Reduction Act

    The  collection  of  information  in this final rule has been  reviewed and,
pending  receipt and  evaluation of public  comments,  approved by the Office of
Management  and Budget (OMB) under 44 U.S.C.  3507 and assigned  control  number
1545-1675.
    The  collection  of  information  in  this  regulation  is in  Sec.  1.860E-
1(c)(5)(ii).  This  information  is  required to enable the IRS to verify that a
taxpayer is complying with the conditions of this regulation.  The collection of
information  is mandatory  and is  required.  Otherwise,  the taxpayer  will not
receive the benefit of safe harbor treatment as provided in the regulation.  The
likely respondents are businesses and other for-profit institutions.
<PAGE>

    Comments on the  collection of  information  should be sent to the Office of
Management  and Budget,  Attn:  Desk Officer for the Department of the Treasury,
Office of Information and Regulatory Affairs, Washington, DC, 20503, with copies
to  the  Internal  Revenue  Service,   Attn:  IRS  Reports  Clearance   Officer,
W:CAR:MP:FP:S,  Washington,  DC 20224. Comments on the collection of information
should be received by September 17, 2002.  Comments are  specifically  requested
concerning:

    Whether  the   collection  of   information  is  necessary  for  the  proper
performance of the functions of the Internal Revenue Service,  including whether
the information will have practical utility;

    The accuracy of the estimated burden associated with the collection
of information (see below);

    How the quality, utility, and clarity of the information to be
collected may be enhanced;

    How the  burden of  complying  with the  collection  of  information  may be
minimized,  including through the application of automated collection techniques
or other forms of information technology; and

    Estimates of capital or start-up costs and costs of operation,  maintenance,
and purchase of service to provide information.

    An agency  may not  conduct  or  sponsor,  and a person is not  required  to
respond to, a  collection  of  information  unless it  displays a valid  control
number assigned by the Office of Management and Budget.

    The  estimated  total  annual  reporting  burden is 470  hours,  based on an
estimated  number of respondents  of 470 and an estimated  average annual burden
hours per respondent of one hour.

    Books or records relating to a collection of information must be retained as
long as their contents may become material in the administration of any internal
revenue law. Generally, tax returns and tax return information are confidential,
as required by 26 U.S.C. 6103.

Background

    This document contains final regulations  regarding the proposed  amendments
to 26 CFR part 1 under  section  860E of the Internal  Revenue Code (Code).  The
regulations  provide the circumstances under which a transferor of a noneconomic
REMIC  residual   interest   meeting  the   investigation   and   representation
requirements  may avail  itself  of the safe  harbor by  satisfying  either  the
formula test or the asset test.

    Final regulations  governing REMICs, issued in 1992, contain rules governing
the transfer of noneconomic REMIC residual interests.  In general, a transfer of
a  noneconomic  residual  interest  is  disregarded  for all tax  purposes  if a
significant purpose of the transfer is to

[[Page 47452]]

enable the  transferor to impede the  assessment or collection of tax. A purpose
to impede the assessment or collection of tax (a wrongful purpose) exists if the
transferor,  at the time of the transfer,  either knew or should have known that
the transferee would be unwilling or unable to pay taxes due on its share of the
REMIC's taxable income.

<PAGE>

    Under a safe harbor, the transferor of a REMIC noneconomic residual interest
is presumed not to have a wrongful  purpose if two  requirements  are satisfied:
(1) the  transferor  conducts a  reasonable  investigation  of the  transferee's
financial  condition  (the  investigation  requirement);  and (2) the transferor
secures a  representation  from the transferee to the effect that the transferee
understands the tax obligations  associated with holding a residual interest and
intends to pay those taxes (the representation requirement).

    The  IRS  and  Treasury  have  been  concerned  that  some   transferors  of
noneconomic  residual  interests  claim they  satisfy  the safe  harbor  even in
situations  where the economics of the transfer  clearly indicate the transferee
is unwilling or unable to pay the tax associated with holding the interest.  For
this reason,  on February 7, 2000, the IRS published in the Federal Register (65
FR 5807) a notice of proposed rulemaking (REG-100276-97; REG-122450-98) designed
to clarify the safe harbor by adding the "formula  test," an economic  test. The
proposed  regulation  provides  that the safe harbor is  unavailable  unless the
present value of the  anticipated  tax  liabilities  associated with holding the
residual  interest  does not  exceed the sum of:  (1) The  present  value of any
consideration  given to the transferee to acquire the interest;  (2) the present
value of the expected future distributions on the interest;  and (3) the present
value of the anticipated tax savings associated with holding the interest as the
REMIC generates losses.

    The notice of proposed  rulemaking also contained rules for FASITs.  Section
1.860H-6(g) of the proposed regulations  provides  requirements for transfers of
FASIT  ownership  interests  and adopts a safe harbor by  reference  to the safe
harbor provisions of the REMIC regulations.

    In January 2001, the IRS published Rev. Proc. 2001-12 (2001-3 I.R.B. 335) to
set forth an alternative  safe harbor that taxpayers could use while the IRS and
the  Treasury  considered  comments  on  the  proposed  regulations.  Under  the
alternative safe harbor, if a transferor meets the investigation requirement and
the representation  requirement but the transfer fails to meet the formula test,
the transferor  may invoke the safe harbor if the transferee  meets a two- prong
test (the asset test). A transferee generally meets the first prong of this test
if, at the time of the transfer, and in each of the two years preceding the year
of  transfer,  the  transferee's  gross  assets  exceed $100 million and its net
assets exceed $10 million. A transferee generally meets the second prong of this
test if it is a  domestic,  taxable  corporation  and agrees in  writing  not to
transfer  the  interest  to any person  other  than  another  domestic,  taxable
corporation that also satisfies the requirements of the asset test. A transferor
cannot rely on the asset test if the  transferor  knows,  or has reason to know,
that the  transferee  will not comply  with its written  agreement  to limit the
restrictions on subsequent transfers of the residual interest.

<PAGE>

    Rev. Proc. 2001-12 provides that the asset test fails to be satisfied in the
case of a transfer or assignment of a noneconomic residual interest to a foreign
branch of an otherwise  eligible  transferee.  If such a transfer or  assignment
were permitted,  a corporate taxpayer might seek to claim that the provisions of
an  applicable  income tax treaty  would  resource  excess  inclusion  income as
foreign  source  income,  and that,  as a  consequence,  any U.S. tax  liability
attributable  to the excess  inclusion  income  could be offset by  foreign  tax
credits.  Such a claim would impede the  assessment or collection of U.S. tax on
excess inclusion income,  contrary to the congressional purpose of assuring that
such income will be taxable in all events. See, e.g., sections 860E(a)(1),  (b),
(e) and 860G(b) of the Code.

    The Treasury and the IRS have  learned that certain  taxpayers  transferring
noneconomic residual interests to foreign branches have attempted to rely on the
formula  test to obtain  safe  harbor  treatment  in an  effort  to  impede  the
assessment or collection of U.S. tax on excess  inclusion  income.  Accordingly,
the  final  regulations  provide  that if a  noneconomic  residual  interest  is
transferred  to a  foreign  permanent  establishment  or  fixed  base  of a U.S.
taxpayer,  the transfer is not eligible for safe harbor  treatment  under either
the asset  test or the  formula  test.  The  final  regulations  also  require a
transferee  to  represent  that it will not cause  income  from the  noneconomic
residual  interest to be attributable to a foreign  permanent  establishment  or
fixed base.

    Section 1.860E-1(c)(8)  provides computational rules that a taxpayer may use
to  qualify  for  safe  harbor   status   under  the   formula   test.   Section
1.860E-1(c)(8)(i)  provides that the transferee is presumed to pay tax at a rate
equal to the highest rate of tax specified in section 11(b).  Some  commentators
were  concerned that this presumed rate of taxation was too high because it does
not take into  consideration  taxpayers  subject to the alternative  minimum tax
rate. In light of the comments received,  this provision has been amended in the
final regulations to allow certain transferees that compute their taxable income
using the alternative  minimum tax rate to use the alternative  minimum tax rate
applicable to corporations.

    Additionally,  Sec.  1.860E-1(c)(8)(iii) provides that the present values in
the  formula  test  are to be  computed  using  a  discount  rate  equal  to the
applicable  Federal  short-term  rate prescribed by section  1274(d).  This is a
change  from  the  proposed   regulation  and  Rev.  Proc.   2001-12.  In  those
publications  the  provision  stated that "present  values are computed  using a
discount rate equal to the applicable Federal rate prescribed in section 1274(d)
compounded  semiannually"  and that "[a] lower  discount rate may be used if the
transferee can demonstrate that it regularly borrows, in the course of its trade
or  business,  substantial  funds at such  lower  rate from an  unrelated  third
party." The IRS and the Treasury  Department  have learned  that,  based on this
provision,  certain taxpayers have been attempting to use unrealistically low or
zero interest rates to satisfy the formula test,  frustrating  the intent of the
test.  Furthermore,  the  Treasury  Department  and the IRS believe  that a rule
allowing  for a rate  other than a rate based on an  objective  index  would add
unnecessary complexity to the safe harbor. As a result, the rule in the proposed

<PAGE>

regulations  that  permits a transferee  to use a lower  discount  rate,  if the
transferee can demonstrate that it regularly  borrows  substantial funds at such
lower rate, is not included in the final regulations; and the Federal short-term
rate  has  been  substituted  for  the  applicable  Federal  rate.  To  simplify
taxpayers' computations, the final regulations allow use of any of the published
short-term  rates,  provided  that  the  present  values  are  computed  with  a
corresponding  period  of  compounding.  With the  exception  of the  provisions
relating to transfers to foreign  branches,  these  changes  generally  have the
proposed  applicability  date of February 4, 2000,  but  taxpayers may choose to
apply the interest  rate formula set forth in the proposed  regulation  and Rev.
Proc. 2001-12 for transfers occurring before August 19, 2002.

    It is anticipated that when final regulations are adopted with
respect to

[[Page 47453]]

FASITs,  Sec.  1.860H-6(g)  of the  proposed  regulations  will  be  adopted  in
substantially  its  present  form,  with the result  that the final  regulations
contained  in this  document  will  also  govern  transfers  of FASIT  ownership
interests with substantially the same applicability date as is contained in this
document.

Effect on Other Documents

    Rev. Proc. 2001-12 (2001-3 I.R.B. 335) is obsolete for transfers of
noneconomic residual interests in REMICs occurring on or after August
19, 2002.

Special Analyses

    It is hereby  certified that these  regulations  will not have a significant
economic impact on a substantial number of small entities. This certification is
based  on the  fact  that it is  unlikely  that a  substantial  number  of small
entities will hold REMIC residual interests. Therefore, a Regulatory Flexibility
Analysis  under  the  Regulatory  Flexibility  Act (5 U.S.C.  chapter  6) is not
required.  It  has  been  determined  that  this  Treasury  decision  is  not  a
significant regulatory action as defined in Executive Order 12866.  Therefore, a
regulatory assessment is not required. It also has been determined that sections
553(b) and 553(d) of the  Administrative  Procedure Act (5 U.S.C.  chapter 5) do
not apply to these regulations.
<PAGE>

Drafting Information

    The principal author of these regulations is Courtney  Shepardson.  However,
other  personnel  from the IRS and  Treasury  Department  participated  in their
development.

List of Subjects

26 CFR Part 1

    Income taxes, Reporting and record keeping requirements.

26 CFR Part 602

    Reporting and record keeping requirements.

Adoption of Amendments to the Regulations

    Accordingly, 26 CFR parts 1 and 602 are amended as follows:

PART 1--INCOME TAXES

    Paragraph 1. The authority  citation for part 1 continues to read in part as
follows:

    Authority: 26 U.S.C. 7805 * * *

<PAGE>

                                   EXHIBIT G-2

                         FORM OF TRANSFEROR CERTIFICATE

                                                  , 20
                                   ---------------    ----

Residential Accredit Loans, Inc.
8400 Normandale Lake Boulevard
Suite 250
Minneapolis, Minnesota  55437

==================
------------------

Attention:  Residential Funding Corporation Series ____-___

               Re:    Mortgage Asset-Backed Pass-Through Certificates,
                      Series ____-___, Class R

Ladies and Gentlemen:

               This letter is delivered to you in  connection  with the transfer
by (the  "Seller")  to (the  "Purchaser")  of $  Initial  Certificate  Principal
Balance of Mortgage  Asset-Backed  Pass-Through  Certificates,  Series ____-___,
Class R (the  "Certificates"),  pursuant  to  Section  5.02 of the  Pooling  and
Servicing  Agreement  (the  "Pooling  and  Servicing  Agreement"),  dated  as of
___________  1, ____ among  Residential  Accredit  Loans,  Inc.,  as seller (the
"Company"),   Residential   Funding   Corporation,   as  master  servicer,   and
__________________,  as trustee (the  "Trustee").  All terms used herein and not
otherwise defined shall have the meanings set forth in the Pooling and Servicing
Agreement.  The  Seller  hereby  certifies,  represents  and  warrants  to,  and
covenants with, the Company and the Trustee that:

1. No purpose of the Seller  relating to the transfer of the  Certificate by the
Seller to the Purchaser is or will be to impede the  assessment or collection of
any tax.

2. The Seller  understands  that the  Purchaser has delivered to the Trustee and
the Master  Servicer a transfer  affidavit and agreement in the form attached to
the Pooling and Servicing  Agreement as Exhibit G-1. The Seller does not know or
believe that any representation contained therein is false.

3.  The  Seller  has  at  the  time  of  the  transfer  conducted  a  reasonable
investigation  of the financial  condition of the Purchaser as  contemplated  by
Treasury  Regulations  Section  1.860E-1(c)(4)(i)  and,  as  a  result  of  that
investigation,  the Seller has  determined  that the Purchaser has  historically
paid its debts as they  become  due and has  found no  significant  evidence  to
indicate  that the  Purchaser  will not continue to pay its debts as they become
due in the  future.  The  Seller  understands  that  the  transfer  of a Class R
Certificate  may not be respected for United States income tax purposes (and the
Seller may  continue  to be liable for United  States  income  taxes  associated
therewith) unless the Seller has conducted such an investigation.

4. The Seller has no actual knowledge that the proposed Transferee is not both a
United States Person and a Permitted Transferee.

                                Very truly yours,

                                            (Seller)

                                            By:
                                               ---------------------------------
                                            Name:
                                                 -------------------------------
                                            Title:
                                                  ------------------------------

<PAGE>

                                    EXHIBIT H

                     FORM OF INVESTOR REPRESENTATION LETTER

                                      , 20

Residential Accredit Loans, Inc.
8400 Normandale Lake Boulevard
Suite 250
Minneapolis, MN 55437

==================
------------------

Residential Funding Corporation
8400 Normandale Lake Boulevard
Suite 250
Minneapolis, MN  55437

Attention:  Residential Funding Corporation Series ____-___

               RE:    Mortgage Asset-Backed Pass-Through Certificates,
                      Series ____-___, [Class B-]

Ladies and Gentlemen:

               (the  "Purchaser")  intends to  purchase  from (the  "Seller")  $
Initial  Certificate  Principal  Balance of Mortgage  Asset-Backed  Pass-Through
Certificates,  Series ____-___,  Class (the "Certificates"),  issued pursuant to
the Pooling and Servicing  Agreement  (the  "Pooling and Servicing  Agreement"),
dated as of  ___________  1, ____ among  Residential  Accredit  Loans,  Inc., as
seller (the "Company"), Residential Funding Corporation, as master servicer (the
"Master  Servicer"),  and  __________________,  as trustee (the "Trustee").  All
terms used herein and not otherwise defined shall have the meanings set forth in
the Pooling and Servicing Agreement. The Purchaser hereby certifies,  represents
and warrants to, and  covenants  with,  the Company,  the Trustee and the Master
Servicer that:

1.   The Purchaser  understands that (a) the Certificates have not been and will
     not be registered or qualified under the Securities Act of 1933, as amended
     (the "Act") or any state securities law, (b) the Company is not required to
     so register or qualify the Certificates, (c) the Certificates may be resold
     only if registered  and qualified  pursuant to the provisions of the Act or
     any state  securities  law, or if an exemption from such  registration  and
     qualification  is  available,  (d)  the  Pooling  and  Servicing  Agreement
     contains  restrictions  regarding the transfer of the  Certificates and (e)
     the Certificates will bear a legend to the foregoing effect.
<PAGE>

2.   The  Purchaser  is  acquiring  the  Certificates  for its own  account  for
     investment  only and not with a view to or for sale in connection  with any
     distribution  thereof  in any  manner  that  would  violate  the Act or any
     applicable state securities laws.

3.   The Purchaser is (a) a substantial,  sophisticated  institutional  investor
     having such  knowledge and  experience  in financial and business  matters,
     and, in particular,  in such matters  related to securities  similar to the
     Certificates, such that it is capable of evaluating the merits and risks of
     investment in the Certificates, (b) able to bear the economic risks of such
     an investment and (c) an "accredited  investor"  within the meaning of Rule
     501(a) promulgated pursuant to the Act.

4.   The Purchaser has been furnished with, and has had an opportunity to review
     (a) [a copy of the Private  Placement  Memorandum,  dated  ________,  20__,
     relating  to the  Certificates  (b)] a copy of the  Pooling  and  Servicing
     Agreement and [b] [c] such other  information  concerning the Certificates,
     the Mortgage  Loans and the Company as has been  requested by the Purchaser
     from the Company or the Seller and is relevant to the Purchaser's  decision
     to purchase the  Certificates.  The Purchaser has had any questions arising
     from such review answered by the Company or the Seller to the  satisfaction
     of the Purchaser.  [If the Purchaser did not purchase the Certificates from
     the Seller in connection with the initial  distribution of the Certificates
     and was  provided  with a copy of the  Private  Placement  Memorandum  (the
     "Memorandum")  relating to the original sale (the  "Original  Sale") of the
     Certificates  by  the  Company,   the  Purchaser   acknowledges  that  such
     Memorandum  was  provided  to it by the  Seller,  that the  Memorandum  was
     prepared by the Company solely for use in connection with the Original Sale
     and  the  Company  did  not  participate  in or  facilitate  in any way the
     purchase of the  Certificates  by the  Purchaser  from the Seller,  and the
     Purchaser  agrees  that it will look  solely to the  Seller  and not to the
     Company with respect to any damage, liability, claim or expense arising out
     of, resulting from or in connection with (a) error or omission,  or alleged
     error or omission,  contained in the  Memorandum,  or (b) any  information,
     development or event arising after the date of the Memorandum.]

5.   The  Purchaser  has not and  will  not  nor  has it  authorized  or will it
     authorize any person to (a) offer,  pledge,  sell,  dispose of or otherwise
     transfer  any  Certificate,  any interest in any  Certificate  or any other
     similar security to any person in any manner,  (b) solicit any offer to buy
     or to accept a pledge,  disposition of other  transfer of any  Certificate,
     any interest in any  Certificate  or any other  similar  security  from any
     person in any manner,  (c) otherwise  approach or negotiate with respect to
     any  Certificate,  any  interest in any  Certificate  or any other  similar
     security with any person in any manner,  (d) make any general  solicitation
     by means of  general  advertising  or in any  other  manner or (e) take any
     other action,  that (as to any of (a) through (e) above) would constitute a
     distribution  of any  Certificate  under the Act,  that  would  render  the
     disposition  of any  Certificate a violation of Section 5 of the Act or any
     state  securities law, or that would require  registration or qualification
     pursuant thereto.  The Purchaser will not sell or otherwise transfer any of
     the  Certificates,  except in compliance with the provisions of the Pooling
     and Servicing Agreement.
<PAGE>

6.      The Purchaser

(a)            is  not  an  employee  benefit  or  other  plan  subject  to  the
               prohibited  transaction  provisions  of the  Employee  Retirement
               Income  Security Act of 1974,  as amended  ("ERISA"),  or Section
               4975 of the Internal Revenue Code of 1986, as amended (a "Plan"),
               or any other person  (including  an investment  manager,  a named
               fiduciary  or  a  trustee  of  any  Plan)  acting,   directly  or
               indirectly, on behalf of or purchasing any Certificate with "plan
               assets" of any Plan within the meaning of the Department of Labor
               ("DOL") regulation at 29 C.F.R. ss.2510.3-101; or

(b)            is an insurance company,  the source of funds to be used by it to
               purchase  the  Certificates  is  an  "insurance  company  general
               account" (within the meaning of DOL Prohibited  Transaction Class
               Exemption  ("PTCE")  95-60),  and the  purchase  is being made in
               reliance upon the  availability of the exemptive  relief afforded
               under Sections I and III of PTCE 95-60.

        In addition, the Purchaser hereby certifies, represents and warrants to,
and covenants  with, the Company,  the Trustee and the Master  Servicer that the
Purchaser will not transfer such  Certificates to any Plan or person unless such
Plan or person meets the requirements set forth in either 6(a) or (b) above.

                                Very truly yours,

                                            By:
                                               ---------------------------------
                                            Name:
                                                 -------------------------------
                                            Title:
                                                  ------------------------------

<PAGE>

                                    EXHIBIT I

                    FORM OF TRANSFEROR REPRESENTATION LETTER

                                                , 20
                                       ---------    --

Residential Accredit Loans, Inc.
8400 Normandale Lake Boulevard
Suite 250
Minneapolis, MN 55437

==================
------------------

Attention: Residential Funding Corporation Series ____-___

               Re:    Mortgage Asset-Backed Pass-Through Certificates,
                      Series ____-___, [Class B-]

Ladies and Gentlemen:

               In   connection   with  the  sale  by  (the   "Seller")  to  (the
"Purchaser") of $ Initial Certificate Principal Balance of Mortgage Asset-Backed
Pass-Through Certificates,  Series ____-___, Class (the "Certificates"),  issued
pursuant to the Pooling and  Servicing  Agreement  (the  "Pooling and  Servicing
Agreement"),  dated as of ___________ 1, ____ among Residential  Accredit Loans,
Inc., as seller (the  "Company"),  Residential  Funding  Corporation,  as master
servicer, and __________________,  as trustee (the "Trustee"). The Seller hereby
certifies,  represents and warrants to, and covenants  with, the Company and the
Trustee that:

               Neither  the  Seller  nor  anyone  acting on its  behalf  has (a)
offered,  pledged,  sold, disposed of or otherwise  transferred any Certificate,
any interest in any  Certificate or any other similar  security to any person in
any  manner,  (b)  has  solicited  any  offer  to buy  or to  accept  a  pledge,
disposition  or  other  transfer  of  any  Certificate,   any  interest  in  any
Certificate or any other similar security from any person in any manner, (c) has
otherwise approached or negotiated with respect to any Certificate, any interest
in any Certificate or any other similar  security with any person in any manner,
(d) has made any general  solicitation by means of general advertising or in any
other manner, or (e) has taken any other action,  that (as to any of (a) through
(e)  above)  would  constitute  a  distribution  of the  Certificates  under the
Securities  Act of 1933 (the "Act"),  that would render the  disposition  of any
Certificate a violation of Section 5 of the Act or any state  securities law, or
that would require  registration or qualification  pursuant thereto.  The Seller
will not act, in any manner set forth in the foregoing  sentence with respect to
any Certificate.  The Seller has not and will not sell or otherwise transfer any
of the Certificates, except in compliance with the provisions of the Pooling and
Servicing Agreement.

                                Very truly yours,

                                            (Seller)

                                            By:
                                               ---------------------------------
                                            Name:
                                                 -------------------------------
                                            Title:
                                                  ------------------------------

<PAGE>

                                    EXHIBIT J

                  [FORM OF RULE 144A INVESTMENT REPRESENTATION]

                          Description   of  Rule  144A   Securities,   including
numbers:

               The  undersigned  seller,  as registered  holder (the  "Seller"),
intends to transfer the Rule 144A Securities  described above to the undersigned
buyer (the "Buyer").

1. In  connection  with such  transfer  and in  accordance  with the  agreements
pursuant  to which the Rule 144A  Securities  were  issued,  the  Seller  hereby
certifies  the  following  facts:  Neither  the Seller nor anyone  acting on its
behalf has offered, transferred, pledged, sold or otherwise disposed of the Rule
144A  Securities,  any interest in the Rule 144A Securities or any other similar
security to, or solicited any offer to buy or accept a transfer, pledge or other
disposition  of  the  Rule  144A  Securities,  any  interest  in the  Rule  144A
Securities  or any other  similar  security  from,  or otherwise  approached  or
negotiated  with respect to the Rule 144A  Securities,  any interest in the Rule
144A Securities or any other similar security with, any person in any manner, or
made any general  solicitation  by means of general  advertising or in any other
manner,  or taken any other action,  that would constitute a distribution of the
Rule 144A  Securities  under the  Securities  Act of 1933, as amended (the "1933
Act"),  or that  would  render the  disposition  of the Rule 144A  Securities  a
violation of Section 5 of the 1933 Act or require registration pursuant thereto,
and that the Seller has not offered the Rule 144A Securities to any person other
than the Buyer or  another  "qualified  institutional  buyer" as defined in Rule
144A under the 1933 Act.

2. The Buyer  warrants and represents  to, and covenants  with, the Seller,  the
Trustee  and the Master  Servicer  (as  defined  in the  Pooling  and  Servicing
Agreement (the  "Agreement"),  dated as of ___________ 1, ____ among Residential
Funding  Corporation as Master  Servicer,  Residential  Accredit Loans,  Inc. as
depositor pursuant to Section 5.02 of the Agreement and  __________________,  as
trustee, as follows:

(a)     The  Buyer  understands  that the  Rule  144A  Securities  have not been
        registered under the 1933 Act or the securities laws of any state.

(b)     The Buyer considers  itself a substantial,  sophisticated  institutional
        investor  having such knowledge and experience in financial and business
        matters  that it is  capable  of  evaluating  the  merits  and  risks of
        investment in the Rule 144A Securities.
<PAGE>

(c)     The Buyer has been  furnished  with all  information  regarding the Rule
        144A  Securities  that it has requested from the Seller,  the Trustee or
        the Servicer.

(d)  Neither the Buyer nor anyone acting on its behalf has offered, transferred,
     pledged,  sold or  otherwise  disposed  of the Rule  144A  Securities,  any
     interest in the Rule 144A  Securities or any other similar  security to, or
     solicited  any  offer  to  buy  or  accept  a  transfer,  pledge  or  other
     disposition  of the Rule 144A  Securities,  any  interest  in the Rule 144A
     Securities or any other similar  security from, or otherwise  approached or
     negotiated  with respect to the Rule 144A  Securities,  any interest in the
     Rule 144A Securities or any other similar  security with, any person in any
     manner, or made any general solicitation by means of general advertising or
     in any other  manner,  or taken any other action,  that would  constitute a
     distribution of the Rule 144A  Securities  under the 1933 Act or that would
     render the disposition of the Rule 144A Securities a violation of Section 5
     of the 1933 Act or require registration  pursuant thereto, nor will it act,
     nor has it  authorized  or will it  authorize  any  person to act,  in such
     manner with respect to the Rule 144A Securities.

(e)  The Buyer is a "qualified  institutional  buyer" as that term is defined in
     Rule  144A  under  the 1933 Act and has  completed  either  of the forms of
     certification  to that  effect  attached  hereto as Annex 1 or Annex 2. The
     Buyer is aware that the sale to it is being made in  reliance on Rule 144A.
     The Buyer is acquiring the Rule 144A  Securities for its own account or the
     accounts of other qualified  institutional  buyers,  understands  that such
     Rule 144A  Securities may be resold,  pledged or transferred  only (i) to a
     person  reasonably  believed  to be a  qualified  institutional  buyer that
     purchases   for  its  own  account  or  for  the  account  of  a  qualified
     institutional  buyer to whom  notice is given  that the  resale,  pledge or
     transfer  is being made in  reliance  on Rule  144A,  or (ii)  pursuant  to
     another exemption from registration under the 1933 Act.

               [3.    The Buyer

(a)     is not an  employee  benefit  or other plan  subject  to the  prohibited
        transaction provisions of the Employee Retirement Income Security Act of
        1974, as amended ("ERISA"), or Section 4975 of the Internal Revenue Code
        of 1986,  as amended  (a  "Plan"),  or any other  person  (including  an
        investment  manager, a named fiduciary or a trustee of any Plan) acting,
        directly or indirectly,  on behalf of or purchasing any Certificate with
        "plan assets" of any Plan within the meaning of the  Department of Labor
        ("DOL") regulation at 29 C.F.R. ss. 2510.3-101; or

(b)     is an  insurance  company,  the  source  of  funds  to be  used by it to
        purchase the  Certificates  is an "insurance  company  general  account"
        (within  the  meaning  of DOL  Prohibited  Transaction  Class  Exemption
        ("PTCE")  95-60),  and the  purchase is being made in reliance  upon the
        availability  of the exemptive  relief afforded under Sections I and III
        of PTCE 95-60.]

               4. This document may be executed in one or more  counterparts and
        by the different parties hereto on separate counterparts, each of which,
        when so executed,  shall be deemed to be an original; such counterparts,
        together, shall constitute one and the same document.
<PAGE>

               IN  WITNESS  WHEREOF,  each  of the  parties  has  executed  this
document as of the date set forth below.

Print Name of Seller                              Print Name of Buyer
By:                                               By:
   ------------------------------------------
   Name:                                             Name:
   Title:                                            Title:
Taxpayer Identification                           Taxpayer Identification:
No.                                               No:
   ------------------------------------------
Date:                                             Date:
     ----------------------------------------

<PAGE>

                              ANNEX 1 TO EXHIBIT J

            QUALIFIED INSTITUTIONAL BUYER STATUS UNDER SEC RULE 144A

             [For Buyers Other Than Registered Investment Companies]

               The  undersigned  hereby  certifies as follows in connection with
the Rule 144A Investment Representation to which this Certification is attached:

1. As  indicated  below,  the  undersigned  is the  President,  Chief  Financial
Officer, Senior Vice President or other executive officer of the Buyer.

2. In  connection  with  purchases  by the  Buyer,  the  Buyer  is a  "qualified
institutional  buyer" as that term is defined in Rule 144A under the  Securities
Act of 1933  ("Rule  144A")  because (i) the Buyer  owned  and/or  invested on a
discretionary basis $ in securities (except for the excluded securities referred
to below) as of the end of the  Buyer's  most recent  fiscal  year (such  amount
being  calculated in accordance with Rule 144A) and (ii) the Buyer satisfies the
criteria in the category marked below.

--   Corporation,  etc. The Buyer is a corporation  (other than a bank,  savings
     and loan  association  or similar  institution),  Massachusetts  or similar
     business  trust,  partnership,  or  charitable  organization  described  in
     Section 501(c)(3) of the Internal Revenue Code.

--   Bank.  The Buyer (a) is a national  bank or banking  institution  organized
     under the laws of any State,  territory or the  District of  Columbia,  the
     business of which is substantially confined to banking and is supervised by
     the State or  territorial  banking  commission or similar  official or is a
     foreign bank or equivalent institution, and (b) has an audited net worth of
     at  least  $25,000,000  as  demonstrated  in its  latest  annual  financial
     statements, a copy of which is attached hereto.

--   Savings and Loan. The Buyer (a) is a savings and loan association, building
     and loan association,  cooperative bank,  homestead  association or similar
     institution,  which  is  supervised  and  examined  by a State  or  Federal
     authority  having  supervision  over any such  institutions or is a foreign
     savings  and loan  association  or  equivalent  institution  and (b) has an
     audited net worth of at least  $25,000,000  as  demonstrated  in its latest
     annual financial statements.

--   Broker-Dealer.  The Buyer is a dealer registered  pursuant to Section 15 of
     the Securities Exchange Act of 1934.

--   Insurance  Company.  The Buyer is an insurance  company  whose  primary and
     predominant business activity is the writing of insurance or the reinsuring
     of risks  underwritten  by  insurance  companies  and which is  subject  to
     supervision by the insurance  commissioner or a similar  official or agency
     of a State or territory or the District of Columbia.
<PAGE>

--   State or Local Plan.  The Buyer is a plan  established  and maintained by a
     State, its political subdivisions,  or any agency or instrumentality of the
     State or its political subdivisions, for the benefit of its employees.

--   ERISA  Plan.  The Buyer is an employee  benefit  plan within the meaning of
     Title I of the Employee Retirement Income Security Act of 1974.

--   Investment Adviser. The Buyer is an investment adviser registered under the
     Investment Advisers Act of 1940.

--   SBIC. The Buyer is a Small Business Investment Company licensed by the U.S.
     Small  Business  Administration  under  Section  301(c) or (d) of the Small
     Business Investment Act of 1958.

--   Business  Development  Company. The Buyer is a business development company
     as defined in Section 202(a)(22) of the Investment Advisers Act of 1940.

--   Trust  Fund.  The Buyer is a trust  fund  whose  trustee is a bank or trust
     company and whose  participants  are exclusively (a) plans  established and
     maintained  by a  State,  its  political  subdivisions,  or any  agency  or
     instrumentality of the State or its political subdivisions, for the benefit
     of its employees, or (b) employee benefit plans within the meaning of Title
     I of the Employee  Retirement  Income  Security  Act of 1974,  but is not a
     trust fund that includes as participants  individual retirement accounts or
     H.R. 10 plans.

3. The term  "securities"  as used herein does not  include  (i)  securities  of
issuers that are affiliated with the Buyer,  (ii) securities that are part of an
unsold  allotment  to or  subscription  by the Buyer,  if the Buyer is a dealer,
(iii) bank deposit notes and certificates of deposit,  (iv) loan participations,
(v) repurchase  agreements,  (vi)  securities  owned but subject to a repurchase
agreement and (vii) currency, interest rate and commodity swaps.

4. For purposes of determining the aggregate  amount of securities  owned and/or
invested on a discretionary  basis by the Buyer, the Buyer used the cost of such
securities to the Buyer and did not include any of the securities referred to in
the preceding  paragraph.  Further,  in determining such aggregate  amount,  the
Buyer may have included  securities owned by subsidiaries of the Buyer, but only
if such subsidiaries are consolidated with the Buyer in its financial statements
prepared in accordance with generally accepted accounting  principles and if the
investments  of such  subsidiaries  are  managed  under the  Buyer's  direction.
However,  such  securities  were not included if the Buyer is a  majority-owned,
consolidated  subsidiary  of  another  enterprise  and the Buyer is not itself a
reporting company under the Securities Exchange Act of 1934.

5. The Buyer  acknowledges  that it is familiar  with Rule 144A and  understands
that the seller to it and other parties related to the  Certificates are relying
and will  continue to rely on the  statements  made  herein  because one or more
sales to the Buyer may be in reliance on Rule 144A.
<PAGE>

                           Will the Buyer be purchasing the Rule 144A
Yes           No           Securities only for the Buyer's own account?

6. If the answer to the  foregoing  question is "no",  the Buyer agrees that, in
connection  with any purchase of securities sold to the Buyer for the account of
a third party  (including  any separate  account) in reliance on Rule 144A,  the
Buyer will only  purchase for the account of a third party that at the time is a
"qualified  institutional  buyer"  within the meaning of Rule 144A. In addition,
the Buyer agrees that the Buyer will not purchase  securities  for a third party
unless the Buyer has  obtained a current  representation  letter from such third
party or taken other  appropriate  steps  contemplated  by Rule 144A to conclude
that  such  third  party   independently  meets  the  definition  of  "qualified
institutional buyer" set forth in Rule 144A.

7. The Buyer will notify each of the parties to which this certification is made
of any changes in the information and conclusions  herein.  Until such notice is
given,   the  Buyer's  purchase  of  Rule  144A  Securities  will  constitute  a
reaffirmation of this certification as of the date of such purchase.

                               Print Name of Buyer

                                            By:
                                                 -------------------------------
                                      Name:
                                     Title:

                                            Date:
                                                 -------------------------------

<PAGE>

                              ANNEX 2 TO EXHIBIT J

            QUALIFIED INSTITUTIONAL BUYER STATUS UNDER SEC RULE 144A

              [For Buyers That Are Registered Investment Companies]

               The  undersigned  hereby  certifies as follows in connection with
the Rule 144A Investment Representation to which this Certification is attached:

8. As indicated below, the undersigned is the President, Chief Financial Officer
or  Senior  Vice  President  of the  Buyer  or,  if the  Buyer  is a  "qualified
institutional  buyer" as that term is defined in Rule 144A under the  Securities
Act of 1933  ("Rule  144A")  because  Buyer  is part of a Family  of  Investment
Companies (as defined below), is such an officer of the Adviser.

9.  In  connection   with  purchases  by  Buyer,   the  Buyer  is  a  "qualified
institutional  buyer" as  defined in SEC Rule 144A  because  (i) the Buyer is an
investment company registered under the Investment Company Act of 1940, and (ii)
as marked below, the Buyer alone, or the Buyer's Family of Investment Companies,
owned at least  $100,000,000 in securities  (other than the excluded  securities
referred to below) as of the end of the Buyer's  most recent  fiscal  year.  For
purposes  of  determining  the  amount of  securities  owned by the Buyer or the
Buyer's Family of Investment Companies, the cost of such securities was used.

--             The  Buyer  owned  $  in  securities  (other  than  the  excluded
               securities  referred to below) as of the end of the Buyer's  most
               recent  fiscal year (such amount being  calculated  in accordance
               with Rule 144A).

--             The Buyer is part of a Family of Investment Companies which owned
               in  the  aggregate  $ in  securities  (other  than  the  excluded
               securities  referred to below) as of the end of the Buyer's  most
               recent  fiscal year (such amount being  calculated  in accordance
               with Rule 144A).

10. The term "Family of  Investment  Companies" as used herein means two or more
registered   investment  companies  (or  series  thereof)  that  have  the  same
investment  adviser or  investment  advisers that are  affiliated  (by virtue of
being majority owned  subsidiaries  of the same parent or because one investment
adviser is a majority owned subsidiary of the other).

11. The term  "securities"  as used herein does not  include (i)  securities  of
issuers that are affiliated  with the Buyer or are part of the Buyer's Family of
Investment Companies, (ii) bank deposit notes and certificates of deposit, (iii)
loan  participations,  (iv)  repurchase  agreements,  (v)  securities  owned but
subject to a repurchase agreement and (vi) currency, interest rate and commodity
swaps.

12.  The  Buyer is  familiar  with Rule  144A and  understands  that each of the
parties to which this  certification  is made are relying  and will  continue to
rely on the  statements  made herein because one or more sales to the Buyer will
be in reliance on Rule 144A.  In addition,  the Buyer will only purchase for the
Buyer's own account.
<PAGE>

13. The undersigned will notify each of the parties to which this  certification
is made of any changes in the  information and  conclusions  herein.  Until such
notice,  the  Buyer's  purchase  of  Rule  144A  Securities  will  constitute  a
reaffirmation  of this  certification  by the undersigned as of the date of such
purchase.

                               Print Name of Buyer

                                            By:
                                                 -------------------------------
                                                 Name:
                                                      --------------------------
                                                 Title:
                                                       -------------------------

                                            IF AN ADVISER:

                               Print Name of Buyer

                                            Date:
                                                 -------------------------------

<PAGE>

                                    EXHIBIT K

                   [TEXT OF AMENDMENT TO POOLING AND SERVICING
                  AGREEMENT PURSUANT TO SECTION 11.01(E) FOR A
                                LIMITED GUARANTY]

                                   ARTICLE XII

             Subordinate Certificate Loss Coverage; Limited Guaranty

               Section 12.01.  Subordinate  Certificate  Loss Coverage;  Limited
Guaranty.  (a) Subject to subsection (c) below,  prior to the later of the third
Business Day prior to each Distribution Date or the related  Determination Date,
the Master  Servicer  shall  determine  whether it or any  Sub-Servicer  will be
entitled to any  reimbursement  pursuant to Section 4.02(a) on such Distribution
Date for Advances or Sub-Servicer  Advances  previously made, (which will not be
Advances or Sub-Servicer  Advances that were made with respect to  delinquencies
which were  subsequently  determined to be Excess Special Hazard Losses,  Excess
Fraud Losses,  Excess Bankruptcy Losses or Extraordinary Losses) and, if so, the
Master Servicer shall demand payment from Residential Funding of an amount equal
to the amount of any Advances or Sub-Servicer  Advances  reimbursed  pursuant to
Section 4.02(a),  to the extent such Advances or Sub-Servicer  Advances have not
been included in the amount of the Realized Loss in the related  Mortgage  Loan,
and  shall  distribute  the same to the Class B  Certificateholders  in the same
manner as if such amount were to be distributed pursuant to Section 4.02(a).

               (b) Subject to  subsection  (c) below,  prior to the later of the
third Business Day prior to each Distribution Date or the related  Determination
Date, the Master  Servicer shall  determine  whether any Realized  Losses (other
than Excess Special Hazard Losses, Excess Bankruptcy Losses, Excess Fraud Losses
and Extraordinary  Losses) will be allocated to the Class B Certificates on such
Distribution  Date  pursuant to Section  4.05,  and, if so, the Master  Servicer
shall demand  payment from  Residential  Funding of the amount of such  Realized
Loss and shall distribute the same to the Class B Certificateholders in the same
manner as if such amount  were to be  distributed  pursuant to Section  4.02(a);
provided, however, that the amount of such demand in respect of any Distribution
Date shall in no event be greater than the sum of (i) the  additional  amount of
Accrued  Certificate  Interest  that  would  have  been  paid  for  the  Class B
Certificateholders  on such  Distribution  Date had such Realized Loss or Losses
not occurred plus (ii) the amount of the reduction in the Certificate  Principal
Balances  of the  Class B  Certificates  on such  Distribution  Date due to such
Realized  Loss or Losses.  Notwithstanding  such payment,  such Realized  Losses
shall be deemed to have been borne by the  Certificateholders  for  purposes  of
Section  4.05.  Excess  Special  Hazard  Losses,  Excess  Fraud  Losses,  Excess
Bankruptcy Losses and Extraordinary Losses allocated to the Class B Certificates
will not be covered by the Subordinate Certificate Loss Obligation.

               (c) Demands for payments  pursuant to this Section  shall be made
prior to the later of the third Business Day prior to each  Distribution Date or
the  related  Determination  Date by the Master  Servicer  with  written  notice
thereof to the Trustee.  The maximum  amount that  Residential  Funding shall be
required to pay pursuant to this Section on any  Distribution  Date (the "Amount

<PAGE>

Available")  shall  be  equal  to the  lesser  of (X)  minus  the sum of (i) all
previous  payments made under  subsections (a) and (b) hereof and (ii) all draws
under the Limited  Guaranty made in lieu of such payments as described  below in
subsection (d) and (Y) the then outstanding  Certificate  Principal  Balances of
the Class B Certificates, or such lower amount as may be established pursuant to
Section 12.02.  Residential  Funding's  obligations as described in this Section
are referred to herein as the "Subordinate Certificate Loss Obligation."

               (d) The Trustee will promptly  notify General  Motors  Acceptance
Corporation of any failure of Residential Funding to make any payments hereunder
and  shall  demand  payment  pursuant  to the  limited  guaranty  (the  "Limited
Guaranty"),  executed by General Motors Acceptance  Corporation,  of Residential
Funding's  obligation  to make payments  pursuant to this Section,  in an amount
equal to the lesser of (i) the Amount Available and (ii) such required payments,
by  delivering to General  Motors  Acceptance  Corporation a written  demand for
payment by wire  transfer,  not later than the second  Business Day prior to the
Distribution Date for such month, with a copy to the Master Servicer.

               (e) All payments  made by  Residential  Funding  pursuant to this
Section or amounts paid under the Limited  Guaranty shall be deposited  directly
in the Certificate  Account,  for distribution on the Distribution Date for such
month to the Class B Certificateholders.

               (f) The Company shall have the option, in its sole discretion, to
substitute  for  either  or  both of the  Limited  Guaranty  or the  Subordinate
Certificate  Loss  Obligation  another  instrument  in the  form of a  corporate
guaranty,  an irrevocable  letter of credit, a surety bond,  insurance policy or
similar  instrument  or a reserve fund;  provided  that (i) the Company  obtains
(subject to the provisions of Section 10.01(f) as if the Company was substituted
for the Master Servicer solely for the purposes of such provision) an Opinion of
Counsel (which need not be an opinion of Independent counsel) to the effect that
obtaining such  substitute  corporate  guaranty,  irrevocable  letter of credit,
surety bond,  insurance  policy or similar  instrument  or reserve fund will not
cause  either (a) any  federal  tax to be imposed on the Trust  Fund,  including
without limitation,  any federal tax imposed on "prohibited  transactions" under
Section  860(F)(a)(1) of the Code or on  "contributions  after the startup date"
under Section  860(G)(d)(1) of the Code or (b) the Trust Fund to fail to qualify
as a REMIC at any time that any  Certificate  is  outstanding,  and (ii) no such
substitution  shall  be made  unless  (A) the  substitute  Limited  Guaranty  or
Subordinate  Certificate  Loss Obligation is for an initial amount not less than
the then  current  Amount  Available  and  contains  provisions  that are in all
material  respects  equivalent to the original  Limited  Guaranty or Subordinate
Certificate   Loss   Obligation   (including   that  no  portion  of  the  fees,
reimbursements  or other  obligations under any such instrument will be borne by
the Trust  Fund),  (B) the long  term debt  obligations  of any  obligor  of any
substitute  Limited Guaranty or Subordinate  Certificate Loss Obligation (if not
supported by the Limited Guaranty) shall be rated at least the lesser of (a) the
rating  of  the  long  term  debt  obligations  of  General  Motors   Acceptance
Corporation  as of the date of  issuance  of the  Limited  Guaranty  and (b) the
rating  of  the  long  term  debt  obligations  of  General  Motors   Acceptance
Corporation at the date of such substitution and (C) the Company obtains written
confirmation from each nationally recognized credit rating agency that rated the
Class B Certificates at the request of the Company that such substitution  shall
not lower the  rating on the Class B  Certificates  below the  lesser of (a) the
then-current  rating  assigned to the Class B Certificates by such rating agency
and (b) the original  rating assigned to the Class B Certificates by such rating

<PAGE>

agency. Any replacement of the Limited Guaranty or Subordinate  Certificate Loss
Obligation pursuant to this Section shall be accompanied by a written Opinion of
Counsel to the substitute guarantor or obligor, addressed to the Master Servicer
and the Trustee, that such substitute instrument  constitutes a legal, valid and
binding  obligation  of the  substitute  guarantor  or obligor,  enforceable  in
accordance  with its terms,  and  concerning  such  other  matters as the Master
Servicer and the Trustee  shall  reasonably  request.  Neither the Company,  the
Master  Servicer nor the Trustee shall be obligated to substitute for or replace
the Limited  Guaranty  or  Subordinate  Certificate  Loss  Obligation  under any
circumstance.

               Section  12.02.  Amendments  Relating  to the  Limited  Guaranty.
Notwithstanding  Sections 11.01 or 12.01: (i) the provisions of this Article XII
may be amended,  superseded or deleted, (ii) the Limited Guaranty or Subordinate
Certificate Loss Obligation may be amended,  reduced or canceled,  and (iii) any
other  provision of this Agreement which is related or incidental to the matters
described  in this  Article  XII may be amended in any  manner;  in each case by
written  instrument  executed or  consented  to by the  Company and  Residential
Funding but without the consent of any Certificateholder and without the consent
of the Master  Servicer or the Trustee being required  unless any such amendment
would impose any  additional  obligation on, or otherwise  adversely  affect the
interests of, the Master Servicer or the Trustee,  as applicable;  provided that
the Company shall also obtain a letter from each  nationally  recognized  credit
rating agency that rated the Class B Certificates  at the request of the Company
to the effect that such amendment,  reduction, deletion or cancellation will not
lower  the  rating  on the  Class B  Certificates  below  the  lesser of (a) the
then-current  rating  assigned to the Class B Certificates by such rating agency
and (b) the original  rating assigned to the Class B Certificates by such rating
agency, unless (A) the Holder of 100% of the Class B Certificates is Residential
Funding  or  an  Affiliate  of  Residential  Funding,  or  (B)  such  amendment,
reduction,  deletion or cancellation is made in accordance with Section 11.01(e)
and,  provided  further that the Company  obtains  (subject to the provisions of
Section  10.01(f)  as if the  Company was  substituted  for the Master  Servicer
solely for the purposes of such provision),  in the case of a material amendment
or  supercession  (but not a reduction,  cancellation or deletion of the Limited
Guaranty or the Subordinate Certificate Loss Obligation),  an Opinion of Counsel
(which  need not be an opinion of  Independent  counsel)  to the effect that any
such amendment or  supercession  will not cause either (a) any federal tax to be
imposed on the Trust Fund, including without limitation, any federal tax imposed
on  "prohibited  transactions"  under  Section  860F(a)(1)  of  the  Code  or on
"contributions  after the startup date" under Section  860G(d)(1) of the Code or
(b) the  Trust  Fund to  fail  to  qualify  as a  REMIC  at any  time  that  any
Certificate is outstanding.  A copy of any such instrument  shall be provided to
the Trustee and the Master  Servicer  together  with an Opinion of Counsel  that
such amendment complies with this Section 12.02.

<PAGE>

                                    EXHIBIT L

                           [FORM OF LIMITED GUARANTY]

                                LIMITED GUARANTY

                        RESIDENTIAL ACCREDIT LOANS, INC.

                 Mortgage Asset-Backed Pass-Through Certificates
                                 Series ____-___

                                                            , 200
                                                ------------     ----

==================
------------------

Attention:  Residential Funding Corporation Series ____-___

Ladies and Gentlemen:

               WHEREAS,  Residential Funding Corporation, a Delaware corporation
("Residential  Funding"),  an indirect wholly-owned subsidiary of General Motors
Acceptance Corporation,  a New York corporation ("GMAC"), plans to incur certain
obligations  as  described  under  Section  12.01 of the Pooling  and  Servicing
Agreement  dated as of ___________ 1, ____ (the  "Servicing  Agreement"),  among
Residential  Accredit  Loans,  Inc.  (the  "Company"),  Residential  Funding and
__________________ (the "Trustee") as amended by Amendment No. thereto, dated as
of , with respect to the Mortgage Asset-Backed Pass-Through Certificates, Series
____-___ (the "Certificates"); and

               WHEREAS,  pursuant to Section 12.01 of the  Servicing  Agreement,
Residential  Funding  agrees  to make  payments  to the  Holders  of the Class B
Certificates  with respect to certain  losses on the Mortgage Loans as described
in the Servicing Agreement; and

               WHEREAS,  GMAC desires to provide certain assurances with respect
to the ability of Residential  Funding to secure sufficient funds and faithfully
to perform its Subordinate Certificate Loss Obligation;

               NOW THEREFORE,  in consideration of the premises herein contained
and  certain  other good and  valuable  consideration,  the  receipt of which is
hereby acknowledged, GMAC agrees as follows:

1.  Provision  of  Funds.  (a) GMAC  agrees to  contribute  and  deposit  in the
Certificate  Account on behalf of Residential  Funding (or otherwise  provide to
Residential  Funding, or to cause to be made available to Residential  Funding),
either  directly  or  through a  subsidiary,  in any case  prior to the  related
Distribution  Date,  such moneys as may be required  by  Residential  Funding to
perform its Subordinate  Certificate Loss Obligation when and as the same arises
from time to time upon the demand of the  Trustee  in  accordance  with  Section
12.01 of the Servicing Agreement.

<PAGE>

               (b) The agreement set forth in the preceding  clause (a) shall be
absolute,  irrevocable  and  unconditional  and  shall  not be  affected  by the
transfer by GMAC or any other person of all or any part of its or their interest
in Residential  Funding,  by any  insolvency,  bankruptcy,  dissolution or other
proceeding affecting  Residential Funding or any other person, by any defense or
right of  counterclaim,  set-off  or  recoupment  that  GMAC  may  have  against
Residential  Funding or any other  person or by any other fact or  circumstance.
Notwithstanding  the  foregoing,  GMAC's  obligations  under  clause  (a)  shall
terminate  upon  the  earlier  of (x)  substitution  for this  Limited  Guaranty
pursuant to Section 12.01(f) of the Servicing Agreement,  or (y) the termination
of the Trust Fund pursuant to the Servicing Agreement.

2. Waiver.  GMAC hereby  waives any failure or delay on the part of  Residential
Funding, the Trustee or any other person in asserting or enforcing any rights or
in making any claims or demands hereunder.  Any defective or partial exercise of
any such rights shall not preclude any other or further  exercise of that or any
other such right.  GMAC further waives demand,  presentment,  notice of default,
protest, notice of acceptance and any other notices with respect to this Limited
Guaranty,  including,  without  limitation,  those of action or nonaction on the
part of Residential Funding or the Trustee.

3.  Modification,  Amendment  and  Termination.  This  Limited  Guaranty  may be
modified,  amended or terminated  only by the written  agreement of GMAC and the
Trustee and only if such  modification,  amendment or  termination  is permitted
under Section 12.02 of the Servicing  Agreement.  The  obligations of GMAC under
this  Limited  Guaranty  shall  continue  and  remain  in  effect so long as the
Servicing  Agreement is not modified or amended in any way that might affect the
obligations  of GMAC under  this  Limited  Guaranty  without  the prior  written
consent of GMAC.

4.  Successor.  Except as otherwise  expressly  provided  herein,  the guarantee
herein set forth shall be binding upon GMAC and its respective successors.

5.  Governing  Law. This Limited  Guaranty  shall be governed by the laws of the
State of New York.

6.  Authorization  and Reliance.  GMAC  understands  that a copy of this Limited
Guaranty  shall be delivered to the Trustee in connection  with the execution of
Amendment  No. 1 to the  Servicing  Agreement  and GMAC  hereby  authorizes  the
Company  and the  Trustee  to rely on the  covenants  and  agreements  set forth
herein.

7.  Definitions.  Capitalized  terms used but not otherwise defined herein shall
have the meaning given them in the Servicing Agreement.

8.  Counterparts.  This  Limited  Guaranty  may be  executed  in any  number  of
counterparts,  each  of  which  shall  be  deemed  to be an  original  and  such
counterparts shall constitute but one and the same instrument.
<PAGE>

               IN WITNESS  WHEREOF,  GMAC has caused this Limited Guaranty to be
executed and delivered by its respective  officers  thereunto duly authorized as
of the day and year first above written.

                                            GENERAL MOTORS ACCEPTANCE
                                            CORPORATION

                                            By:
                                               --------------------------------
                                            Name:
                                                 ------------------------------
                                            Title:
                                                  -----------------------------

Acknowledged by:

------------------,
    as Trustee

By:
   ------------------------------------------------
Name:
     ----------------------------------------------
Title:
      ---------------------------------------------

RESIDENTIAL ACCREDIT LOANS, INC.

By:
   ------------------------------------------------
Name:
     ----------------------------------------------
Title:
      ---------------------------------------------

<PAGE>

                                    EXHIBIT M

          FORM OF LENDER CERTIFICATION FOR ASSIGNMENT OF MORTGAGE LOAN

                                                            , 20
                                                   ---------    --------

Residential Accredit Loans, Inc.
8400 Normandale Lake Boulevard
Suite 250
Minneapolis, Minnesota  55437

==================
------------------

Attention:  Residential Funding Corporation Series ____-___

               Re:    Mortgage Asset-Backed Pass-Through Certificates, Series
                                                                       -------
                      ____-___ Assignment of Mortgage Loan

Ladies and Gentlemen:

     This letter is delivered to you in connection  with the  assignment by (the
"Trustee")  to (the  "Lender")  of (the  "Mortgage  Loan")  pursuant  to Section
3.13(d) of the Pooling and  Servicing  Agreement  (the  "Pooling  and  Servicing
Agreement"),  dated as of ___________ 1, ____ among Residential  Accredit Loans,
Inc., as seller (the  "Company"),  Residential  Funding  Corporation,  as master
servicer, and the Trustee. All terms used herein and not otherwise defined shall
have the meanings set forth in the Pooling and Servicing  Agreement.  The Lender
hereby  certifies,  represents  and warrants to, and covenants  with, the Master
Servicer and the Trustee that:

(i) the Mortgage Loan is secured by Mortgaged Property located in a jurisdiction
in which an  assignment  in lieu of  satisfaction  is required to preserve  lien
priority,  minimize or avoid mortgage  recording taxes or otherwise comply with,
or facilitate a refinancing under, the laws of such jurisdiction;

(ii) the substance of the assignment is, and is intended to be, a refinancing of
such Mortgage Loan and the form of the  transaction is solely to comply with, or
facilitate the transaction under, such local laws;

(iii) the Mortgage Loan  following the proposed  assignment  will be modified to
have a rate of  interest  at least  0.25  percent  below  or  above  the rate of
interest on such Mortgage Loan prior to such proposed assignment; and

(iv) such  assignment  is at the  request  of the  borrower  under  the  related
     Mortgage Loan.

                                Very truly yours,

                                            (Lender)

                                            By:
                                               ---------------------------------
                                            Name:
                                                 -------------------------------
                                            Title:
                                                  ------------------------------

<PAGE>

                                               1

                                    EXHIBIT N

                          FORM OF REQUEST FOR EXCHANGE

                                             [DATE]

==================
------------------

               Re:    Residential Accredit Loans, Inc.,
                      Mortgage Asset-Backed Pass-Through Certificates,
                      Series ____-___

               Residential Funding Corporation,  as the Holder of a % Percentage
Interest of the [Interest Only/Class A-V][-1] Certificates,  hereby requests the
Trustee  to  exchange  the  above-referenced  Certificates  for  the  Subclasses
referred to below:

1.   [Interest  Only/Class  A-V]-  Certificates,  corresponding to the following
     Uncertificated REMIC Regular Interests:  [List numbers corresponding to the
     related  loans and Pool Strip Rates from the Mortgage Loan  Schedule].  The
     initial Subclass  Notional Amount and the Initial  Pass-Through Rate on the
     [Interest Only/Class A-V]- Certificates will be $ and %, respectively.

2.      [Repeat as appropriate.]

               The  Subclasses  requested  above will represent in the aggregate
all of the Uncertificated  REMIC Regular Interests  represented by the [Interest
Only/Class A-V][-1] Certificates surrendered for exchange.

               All capitalized  terms used but not defined herein shall have the
meanings  set  forth  in  the  Pooling  and  Servicing  Agreement,  dated  as of
___________ 1, ____, among Residential Accredit Loans, Inc., Residential Funding
Corporation and __________________, as trustee.

                                            RESIDENTIAL FUNDING CORPORATION

                                            By:
                                               ---------------------------------
                                            Name:
                                            Title:

<PAGE>

<PAGE>

                                  EXHIBIT FIVE

                         FORM OF FORM 10-K CERTIFICATION

        I, [identify the certifying individual], certify that:

        1. I have  reviewed  the annual  report on Form 10-K for the fiscal year
[____], and all reports on Form 8-K containing distribution or servicing reports
filed in respect of periods  included in the year covered by that annual report,
of the trust (the  "Trust")  created  pursuant  to the Series  Supplement  dated
___________________  to the Standard  Terms of Pooling and  Servicing  Agreement
dated  ____________________  (together,  the "P&S Agreement")  among Residential
Accredit Loans,  Inc. (the  "Company"),  Residential  Funding  Corporation  (the
"Master Servicer") and [Name of Trustee] (the "Trustee");

        2. Based on my knowledge,  the information in these reports,  taken as a
whole, does not contain any untrue statement of a material fact or omit to state
a  material  fact  necessary  to make  the  statements  made,  in  light  of the
circumstances  under which such  statements  were made, not misleading as of the
last day of the period covered by that annual report;

     3. Based on my knowledge, the servicing information required to be provided
to the Trustee by the Master  Servicer  under the P&S  Agreement  is included in
these reports;

        4. I am responsible for reviewing the activities performed by the Master
Servicer  under the P&S Agreement and based upon the review  required  under the
P&S Agreement,  and, except as disclosed in the report,  the Master Servicer has
fulfilled its obligations under the P&S Agreement; and

        5. I have disclosed to the Company's  certified  public  accountants all
significant  deficiencies  relating to the Master Servicer's compliance with the
minimum servicing  standards in accordance with a review conducted in compliance
with the Uniform Single Attestation Program for Mortgage Bankers as set forth in
the P&S Agreement.

Date:_______________________

____________________________*
Name:
Title:

*    to be signed by the senior officer in charge of the servicing  functions of
     the Master Servicer

<PAGE>

                                   EXHIBIT SIX

                   [FORM OF BACK-UP CERTIFICATION TO FORM 10-K CERTIFICATE]

        The  undersigned,  a Responsible  Officer of [_________] (the "Trustee")
certifies that:

        (a) The Trustee has performed all of the duties specifically required to
be  performed  by it pursuant  to the  provisions  of the Pooling and  Servicing
Agreement  dated  as  of  [_________],  2002  (the  "Agreement")  by  and  among
[__________], as depositor, Residential Funding Corporation, as master servicer,
and the Trustee in accordance with the standards set forth therein.

        (b) Based on my  knowledge,  the  information  that is  provided  by the
Trustee  pursuant to Section  4.03(e)(I)  of the Agreement is accurate as of the
last day of the 20[ ] calendar year.

        Capitalized  terms used and not defined  herein  shall have the meanings
given such terms in the Agreement.

        IN  WITNESS  WHEREOF,  I  have  duly  executed  this  certificate  as of
_________, 20__.]

                                                  Name:__________________
                                                  Title:

<PAGE>

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