Document:

CERTIFICATE GUARANTY INSURANCE POLICY

OBLIGATIONS:        GMACM Mortgage Loan Trust 2001-J3    POLICY NUMBER:  35628

                    GMACM Mortgage Pass-Through Certificates, Series 2001-J3
                    $3,059,000 7.00% Class A-5 Certificates
                    $3,370,000 7.00% Class A-6 Certificates
                    $1,837,000 7.00% Class A-7 Certificates
                    $3,301,000 7.00% Class A-8 Certificates
                    $3,059,000 6.75% Class A-9 Certificates
                    $3,373,000 6.75% Class A-10 Certificates
                    $1,837,000 6.75% Class A-11 Certificates
                    $3,298,000 6.75% Class A-12 Certificates

        MBIA Insurance  Corporation  (the  "Insurer"),  in  consideration of the
payment of the  premium and  subject to the terms of this  Certificate  Guaranty
Insurance  Policy  (this  "Policy"),   hereby  unconditionally  and  irrevocably
guarantees  to any Owner that an amount equal to each full and complete  Insured
Payment will be received from the Insurer by Bank One, National Association,  or
its  successors,  as trustee  for the Owners (the  "Trustee"),  on behalf of the
Owners,  for  distribution  by  the  Trustee  to  each  Owner  of  each  Owner's
proportionate share of the Insured Payment. The Insurer's  obligations hereunder
with respect to a particular  Insured  Payment shall be discharged to the extent
funds  equal to the  applicable  Insured  Payment are  received by the  Trustee,
whether or not such funds are properly applied by the Trustee.  Insured Payments
shall be made  only at the time set  forth in this  Policy,  and no  accelerated
Insured   Payments  shall  be  made  regardless  of  any   acceleration  of  the
Obligations, unless such acceleration is at the sole option of the Insurer.

        Notwithstanding  the  foregoing  paragraph,  this  Policy does not cover
shortfalls, if any, attributable to the liability of the Trust, any REMIC or the
Trustee for  withholding  taxes,  if any  (including  interest and  penalties in
respect of any such liability).  This Policy does not provide credit enhancement
for any Class of  Certificates  other than the Class A-5,  Class A-6, Class A-7,
Class A-8, Class A-9, Class A-10, Class A-11 and Class A-12 Certificates.

        The Insurer will pay any Insured Payment that is a Preference  Amount on
the  Business  Day  following  receipt on a Business Day by the Fiscal Agent (as
described  below) of (a) a certified copy of the order requiring the return of a
preference payment,  (b) an opinion of counsel  satisfactory to the Insurer that
such order is final and not subject to appeal, (c) an assignment in such form as
is reasonably required by the Insurer,  irrevocably assigning to the Insurer all
rights and claims of the Owner  relating  to or  arising  under the  Obligations
against the debtor which made such preference  payment or otherwise with respect
to such  preference  payment  and (d)  appropriate  instruments  to  effect  the
appointment  of the  Insurer  as agent for such  Owner in any  legal  proceeding
related  to  such  preference   payment,   such  instruments  being  in  a  form
satisfactory to the Insurer,  provided that if such documents are received after
12:00 noon,  New York City time, on such Business Day, they will be deemed to be
received on the following  Business Day. Such payments shall be disbursed to the
receiver  or  trustee  in  bankruptcy  named in the  final  order  of the  court
exercising  jurisdiction  on behalf  of the Owner and not to any Owner  directly
unless such Owner has returned  principal or interest paid on the Obligations to
such  receiver or trustee in  bankruptcy,  in which case such  payment  shall be
disbursed to such Owner.

<PAGE>

        The Insurer  will pay any other amount  payable  hereunder no later than
12:00 noon, New York City time, on the later of the  Distribution  Date on which
the related Deficiency Amount is due or the third Business Day following receipt
in New York,  New York on a Business Day by State Street Bank and Trust Company,
N.A., as Fiscal Agent for the Insurer,  or any successor  fiscal agent appointed
by the Insurer (the "Fiscal Agent"), of a Notice (as described below),  provided
that if such Notice is received  after 12:00 noon,  New York City time,  on such
Business Day, it will be deemed to be on the following Business Day. If any such
Notice  received  by the  Fiscal  Agent is not in  proper  form or is  otherwise
insufficient for the purpose of making claim  hereunder,  it shall be deemed not
to have been  received by the Fiscal Agent for purposes of this  paragraph,  and
the Insurer or the Fiscal  Agent,  as the case may be, shall  promptly so advise
the Trustee and the Trustee may submit an amended Notice.

        Insured Payments due hereunder,  unless otherwise stated herein, will be
disbursed  by the  Fiscal  Agent to the  Trustee on behalf of the Owners by wire
transfer of  immediately  available  funds in the amount of the Insured  Payment
less, in respect of Insured Payments related to Preference  Amounts,  any amount
held by the  Trustee  for  the  payment  of such  Insured  Payment  and  legally
available funds therefor.

        The Fiscal Agent is the agent of the Insurer only,  and the Fiscal Agent
shall in no event be liable to Owners  for any acts of the  Fiscal  Agent or any
failure of the Insurer to deposit, or cause to be deposited, sufficient funds to
make payments due under this Policy.

        Subject to the terms of the  Agreement,  the Insurer shall be subrogated
to the rights of each Owner to receive  payments  under the  Obligations  to the
extent of any payment by the Insurer hereunder.

        As used herein, the following terms shall have the following meanings:

        "Agreement"  means the Pooling and Servicing  Agreement dated as of June
28, 2001 among Residential  Asset Mortgage  Products,  Inc., as Depositor,  GMAC
Mortgage Corporation,  as Servicer, and the Trustee, as trustee,  without regard
to any amendment or supplement thereto,  unless such amendment or supplement has
been approved in writing by the Insurer.

        "Business Day" means any day other than (a) a Saturday or a Sunday (b) a
day on which the Insurer is closed or (c) a day on which banking institutions in
New York City or in the city in which the corporate  trust office of the Trustee
under the  Agreement is located are  authorized or obligated by law or executive
order to close.

        "Deficiency  Amount"  means  with  respect  to the  Obligations  and any
Distribution  Date,  an  amount  equal  to (a) any  interest  shortfall,  except
Prepayment Interest Shortfalls and shortfalls  resulting from application of the
Relief Act,  allocated  to the  Obligations,  (b) the  principal  portion of any
Realized Loss allocated to the  Obligations  and (c) the  Certificate  Principal
Balance  of the  Obligations  to  the  extent  unpaid  on  the  Scheduled  Final
Distribution  Date,  after taking into account all  distributions  to be made on
such date.

        "Insured Payment" means (a) as of any Distribution  Date, any Deficiency
Amount and (b) any Preference Amount.

<PAGE>

        "Notice" means the telephonic or telegraphic notice,  promptly confirmed
in writing by facsimile  substantially in the form of Exhibit A attached hereto,
the original of which is subsequently delivered by registered or certified mail,
from the Trustee  specifying the Insured Payment which shall be due and owing on
the applicable Distribution Date.

        "Owner" means such  Certificateholder (as defined in the Agreement) who,
on the  applicable  Distribution  Date,  is  entitled  under  the  terms  of the
applicable Obligations to payment thereunder.

        "Preference Amount" means any amount previously  distributed to an Owner
on the Obligations  that is recoverable and sought to be recovered as a voidable
preference by a trustee in bankruptcy  pursuant to the United States  Bankruptcy
Code (11  U.S.C.),  as  amended  from  time to time in  accordance  with a final
nonappealable order of a court having competent jurisdiction.

        Capitalized  terms used herein and not  otherwise  defined  herein shall
have  the  respective  meanings  set  forth in the  Agreement  as of the date of
execution of this Policy,  without giving effect to any subsequent  amendment to
or modification of the Agreement  unless such amendment or modification has been
approved in writing by the Insurer.

        Any notice  hereunder  or service of process on the Fiscal  Agent may be
made at the address  listed below for the Fiscal Agent or such other  address as
the Insurer shall specify in writing to the Trustee.

        The notice address of the Fiscal Agent is 15th Floor,  61 Broadway,  New
York, New York 10006, Attention:  Municipal Registrar and Paying Agency, or such
other address as the Fiscal Agent shall specify to the Trustee in writing.

        THE POLICY IS BEING ISSUED UNDER AND PURSUANT TO, AND SHALL BE CONSTRUED
UNDER, THE LAWS OF THE STATE OF NEW YORK,  WITHOUT GIVING EFFECT TO THE CONFLICT
OF LAWS PRINCIPLES THEREOF.

        The   insurance   provided   by  this  Policy  is  not  covered  by  the
Property/Casualty  Insurance  Security  Fund  specified in Article 76 of the New
York Insurance Law.

        This Policy is not cancelable for any reason. The premium on this Policy
is not refundable for any reason, including payment, or provision being made for
payment, prior to maturity of the Obligations.

<PAGE>

        IN WITNESS  WHEREOF,  the  Insurer has caused this Policy to be executed
and attested this 28th day of June, 2001.

                                                   MBIA INSURANCE CORPORATION

                                                   By
                                                     --------------------------
                                                      President

                                                   Attest:

                                                   By
                                                     --------------------------
                                                      Assistant Secretary

<PAGE>

                                    EXHIBIT A

                        TO CERTIFICATE GUARANTY INSURANCE
                              POLICY NUMBER: 35628

                        NOTICE UNDER CERTIFICATE GUARANTY
                         INSURANCE POLICY NUMBER: 35628

State Street Bank and Trust Company, N.A. as Fiscal Agent
    for MBIA Insurance Corporation
15th Floor
61 Broadway
New York, NY  10006
Attention: Municipal Registrar and
           Paying Agent

MBIA Insurance Corporation
113 King Street
Armonk, NY  10504

        The  undersigned,  a duly  authorized  officer of [NAME OF TRUSTEE],  as
trustee  (the  "Trustee"),  hereby  certifies  to State  Street  Bank and  Trust
Company,   N.A.  (the  "Fiscal  Agent")  and  MBIA  Insurance  Corporation  (the
"Insurer"),  with reference to  Certificate  Guaranty  Insurance  Policy Number:
35628 (the "Policy") issued by the Insurer in respect of the GMACM Mortgage Loan
Trust  2001-J3  GMACM  Mortgage  Pass-Through   Certificates,   Series  2001-J3,
$3,059,000   7.00%   Class  A-5   Certificates,   $3,370,000   7.00%  Class  A-6
Certificates,  $1,837,000 7.00% Class A-7  Certificates,  $3,301,000 7.00% Class
A-8  Certificates,  $3,059,000  6.75% Class A-9  Certificates,  $3,373,000 6.75%
Class A-10 Certificates,  $1,837,000 6.75% Class A-11  Certificates,  $3,298,000
6.75% Class A-12 Certificates (the "Obligations"), that:

(a)  the Trustee is the trustee under the Pooling and Servicing  Agreement dated
     as of June 28, 2001, among  Residential Asset Mortgage  Products,  Inc., as
     Depositor,  GMAC Mortgage  Corporation,  as Servicer,  and the Trustee,  as
     trustee for the Owners;

(b)  the amount due under clause (a) of the definition of deficiency  Amount for
     the   Distribution   Date   occurring  on  [_________]   (the   "Applicable
     Distribution Date") is $[------------];

(c)  the amount due under clause (b) of the definition of deficiency  Amount for
     the Applicable Distribution Date is $[____________];

(d)  the amount due under clause (c) of the definition of deficiency  Amount for
     the Applicable Distribution Date is $[____________];

(e)  the sum of the  amounts  listed  in  paragraphs  (b),  (c) and (d) above is
     $[___________] (the "Deficiency Amount"];

<PAGE>

(f)  the amount  previously  distributed  payments  on the  Obligations  that is
     recoverable  and  sought to be  recovered  as a  voidable  preference  by a
     trustee in bankruptcy  pursuant to the Bankruptcy Code in accordance with a
     final  nonappealable  order of a court  having  competent  jurisdiction  is
     $[___________],  which amount equals the sum of the  Deficiency  Amount and
     the Preference Amount;

(g)  the total Insured Payment due is $[__________],  which amount equal the sum
     of the
        Deficiency Amount and the Preference Amount;

(h)     the  Trustee is making a claim  under and  pursuant  to the terms of the
        Policy for the dollar  amount of the  Insured  Payment  set forth in (e)
        above to be applied  to the  payment  of the  Deficiency  Amount for the
        Applicable  Distribution  Date in accordance  with the Agreement and for
        the dollar  amount of the  Insured  Payment set forth in (f) above to be
        applied to the payment of any Preference Amount; and

(i)  the Trustee  directs  that  payment of the  Insured  Payment be made to the
     following  account by bank wire  transfer  of federal or other  immediately
     available  funds in  accordance  with the terms of the  Policy:  [TRUSTEE'S
     ACCOUNT NUMBER].

        Any  capitalized  term used in this  Notice  and not  otherwise  defined
herein shall have the meaning assigned thereto in the Policy.

Any Person Who  Knowingly  And With Intent To Defraud Any  Insurance  Company Or
Other Person Files An Application For Insurance Or Statement Of Claim Containing
Any  Materially  False  Information,  Or Conceals For The Purpose Of Misleading,
Information Concerning Any Fact Material Thereto, Commits A Fraudulent Insurance
Act,  Which Is A Crime,  And Shall  Also Be Subject  To A Civil  Penalty  Not To
Exceed Five  Thousand  Dollars  And The Stated  Value Of The Claim For Each Such
Violation.

     IN WITNESS  WHEREOF,  the Trustee has  executed and  delivered  this Notice
under the Policy as of the [____] day of [_________], ]____].

                                    [NAME OF TRUSTEE], as Trustee

                                    By
                                      -----------------------------------------
                                    Title
                                         --------------------------------------

<PAGE>Prepared by MerrillDirect

AMENDMENT
NO. 4 TO CREDIT AGREEMENT

 

             AMENDMENT NO. 4 TO CREDIT AGREEMENT (this
“Amendment”) is entered into as of March 31, 2001, by and among HAUSER, INC., a Delaware corporation (the
“Company”), HAUSER TECHNICAL SERVICES, INC.,
a Delaware corporation (“Technical”), BOTANICALS
INTERNATIONAL EXTRACTS, INC., a Delaware corporation, ZETAPHARM, INC., a New York corporation,
and WILCOX NATURAL PRODUCTS, INC.,
a Delaware corporation (collectively, the “Borrowers”), and WELLS FARGO BANK, N.A. (the “Lender”).

RECITALS

                           WHEREAS, the Borrowers are currently
indebted to the Lender pursuant to the terms and conditions of that certain
Credit Agreement dated as of June 11, 1999, as heretofore amended (the
“Current Agreement”; and as amended hereby, the “Agreement”); and

                           WHEREAS, the aggregate amount of Revolving
Loans presently outstanding under the Current Agreement exceeds the aggregate
Borrowing Base thereunder;

                           WHEREAS, the Lender and the Borrowers have
agreed to certain changes in the terms and conditions set forth in the
Agreement and have agreed to amend the Agreement to reflect said changes.

                           NOW, THEREFORE, for valuable consideration,
the receipt and sufficiency of which are hereby acknowledged, the parties
hereto agree that the Agreement shall be amended as follows:

             A.         Amendments.

                           1.         
Section 1.01 of the Agreement, the
defined term “Borrowing Base” is amended by replacing the period at the end of
the definition with a semicolon and adding the following:  “provided, however, that the Lender in its
sole and absolute discretion may allow over advances not to exceed $4,000,000
in the aggregate at any time outstanding, it being acknowledged by the
Borrowers, without limiting the Lender’s discretion as aforesaid, that the
Lender does not intend to allow any such over advances to exist after August
15, 2001.”

                           2.         
Section 1.01 of the Agreement is
further amended by deleting entirely the defined term “Commitment,” and
replacing it with the following new definition:

                           “‘Commitment’ means the
Lender’s ‘Revolving Credit Commitment,’ as such commitment may be
reduced from time to time pursuant to Section 2.07.  The initial amount of the Lender’s Revolving Credit Commitment is
$24,500,000, which amount shall be reduced to $21,000,000 effective October 30,
2000, $19,000,000 effective March 31, 2001 and $17,000,000 effective
August 15, 2001.”

                           3.         
Section 6.07(b) of the Agreement is
amended by deleting entirely the provisions thereof and replacing them with the
following:

                           "The Borrowers shall not permit the
Consolidated Tangible Net Worth at the end of any fiscal quarter of the Company
to be less than $4,000,000."

                           4.         
Section 6.07(c) of the Agreement is
amended by deleting entirely the provisions thereof and replacing them with the
following:

                           "The Borrowers will not permit the
Consolidated Operating Cash Flow to be less than negative $1,220,000 at the end
of the fiscal quarter of the Company ending June 30, 2001; negative $2,040,000
at the end of the fiscal quarter of the Company ending September 30, 2001;
positive $1,400,000 at the end of the fiscal quarter of the Company ending
December 31, 2001; and positive $430,000 at the end of the fiscal quarter of
the Company ending March 31, 2002."

             B.          Amendment Fee.  The Borrowers agree, jointly and severally,
to pay to the Lender, simultaneously with the execution and delivery of this
Amendment, an amendment fee of $10,000.

             C.          Conditions.  This Amendment shall not become effective
until the date on which pursuant to the provisions of Section 8.03 of the
Agreement, the Borrowers shall have paid, or reimbursed the Lender for, all of
the Lender’s costs and expenses (including the fees and disbursements of
outside counsel and allocated in-house counsel) in connection with, or related
to, the negotiating and execution and effectiveness of this Agreement.

             D.         Covenants.  The Company agrees that upon the sale by the
Company of certain assets relating to the Company’s Hauser Technical Services
Division, which Division performs analytical testing, chemical synthesis,
process development, custom chemical manufacturing, product testing and design
of pharmaceutical, dietary supplement, plastic pipe and medical device
products, the Company will apply the net proceeds (i.e. the gross proceeds of
the sale, less closing costs and other costs of sale actually paid) it receives
from such asset sale to payment of the outstanding Base Rate Revolving Loans.

             E.          General.  Except as specifically provided herein, all
terms and conditions of the Agreement remain in full force and effect, without
waiver or modification.  All terms
defined in the Agreement shall have the same meaning when used in this
Amendment.  This Amendment shall be
effective upon delivery by the Lender to the Company of an executed counterpart
original or facsimile copy.

             The
Borrowers hereby remake all representations and warranties contained in the
Agreement and reaffirm all covenants set forth therein.  The Borrowers further certify that as of the
date of this Amendment, giving effect to the provisions hereof, there exists no
Event of Default as defined in the Agreement, nor any condition, act or event
which with the giving of notice or the passage of time or both would constitute
any such Event of Default.

[INTENTIONALLY
LEFT BLANK]

 

             IN WITNESS WHEREOF, the parties
hereto have caused this Amendment to be executed as of the date and year first
written above.

	HAUSER,
  INC.

By: /S/ KENNETH CLEVELAND

Name:  Kenneth Cleveland
Title:    Chief Executive Officer	WELLS
  FARGO BANK, N.A.

By: 
  /S/ ART BROKX

Name:  Art Brokx
Title:    Vice President
	 	 
	BOTANICALS INTERNATIONAL
EXTRACTS, INC.

By: /S/ KENNETH CLEVELAND

Name:  Kenneth Cleveland

  Title:    Chief Executive Officer	ZETAPHARM,
  INC.

By: 
  /S/ KENNETH CLEVELAND

Name:  Kenneth Cleveland

  Title:    Chief Executive Officer
	 	 
	WILCOX NATURAL PRODUCTS, INC.

By: 
  /S/ KENNETH CLEVELAND

Name:  Kenneth Cleveland

  Title:    Chief Executive Officer	HAUSER TECHNICAL SERVICES, INC.

By: /S/ KENNETH CLEVELAND

Name:  Kenneth Cleveland

  Title:    Chief Executive Officer

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