Document:

EXHIBIT 4.2.28
                                                                  --------------

EXCEPT AS OTHERWISE PROVIDED IN THIS WARRANT, THE SECURITIES EVIDENCED BY THIS
WARRANT HAVE NOT BEEN REGISTERED UNDER THE SECURITIES ACT OF 1933, AS AMENDED,
AND MAY NOT BE SOLD, TRANSFERRED, ASSIGNED OR HYPOTHECATED UNLESS (i) THERE IS
AN EFFECTIVE REGISTRATION STATEMENT UNDER THE ACT COVERING SUCH SECURITIES, (ii)
THE SALE IS MADE IN ACCORDANCE WITH RULE 144 UNDER THE ACT, OR (iii) THE COMPANY
RECEIVES AN OPINION OF COUNSEL FOR THE HOLDER OF THESE SECURITIES REASONABLY
SATISFACTORY TO THE COMPANY STATING THAT SUCH SALE, TRANSFER, ASSIGNMENT OR
HYPOTHECATION IS EXEMPT FROM THE REGISTRATION AND PROSPECTUS DELIVERY
REQUIREMENTS OF THE ACT.

                             SALON MEDIA GROUP, INC.
                          COMMON STOCK PURCHASE WARRANT
                          -----------------------------

     1. PRICE AND NUMBER OF SHARES SUBJECT TO WARRANT. FOR VALUE RECEIVED and
subject to the terms and conditions herein set forth, [ ], (the "Purchaser"), is
entitled to purchase from Salon Media Group, Inc., a Delaware corporation (the
"Company"), at any time after 5:00 p.m. California time on April 10, 2003 and
before the termination of this Warrant pursuant to Section 12 below, at a price
per share equal to $0.046, as adjusted in accordance with Section 3 below (the
"Warrant Price"), that number of shares indicated in Section 2 below of fully
paid and nonassessable shares of the Common Stock of the Company (which Common
Stock currently trades on the OTC), as adjusted pursuant to Section 3 (the
"Warrant Shares").

     2. NUMBER OF SHARES OF WARRANT SHARES. The number of Warrant Shares for
which this Warrant is exercisable is equal to 300,000.

     3. ADJUSTMENT OF WARRANT PRICE AND WARRANT SHARES. The number of shares of
Warrant Shares issuable upon the exercise of this Warrant and the exercise price
thereof shall be subject to adjustment from time to time, and the Company agrees
to provide notice upon the happening of certain events, as follows:

          (a) MERGER, SALE OF ASSETS, ETC. If at any time the Company proposes
to (i) consolidate with or merge with or sell or convey all or substantially all
of its assets to any other corporation or entity, or (ii) distribute stock,
securities or other assets to the holders of Common Stock in exchange for their
shares of the Company's Common Stock, then the Company shall give the holder of
this Warrant thirty (30) days advance notice of the effective date of such
transaction and to the extent the Warrant has not been exercised in full by the
effective date of such transaction, this Warrant shall terminate. The foregoing
notwithstanding, a merger or consolidation of the Company with or into another
corporation after which the shareholders of the Company immediately prior to
such transaction hold more than fifty percent (50%) of the voting power of the
surviving entity, shall not result in termination of this Warrant; instead this
Warrant shall be exchanged for a warrant of the surviving corporation that shall

<PAGE>

entitle the holder hereof to acquire upon the exercise thereof the number of
shares of stock or other property to which the holder of the number of shares of
the Warrant Shares which are subject to this Warrant on the effective date of
the merger would have been entitled to receive for such securities under the
terms of the merger.

          (b) RECLASSIFICATION, ETC. If the Company at any time shall, by
subdivision, combination or reclassification of securities or otherwise, change
any of the securities to which purchase rights under this Warrant exist into the
same or a different number of securities of any class or classes, this Warrant
shall thereafter entitle its holder to acquire such number and kind of
securities as would have been issuable as the result of such change with respect
to the securities which were subject to the purchase rights under this Warrant
immediately prior to such subdivision. combination, reclassification or other
change. If shares of the class of the Company's stock for which this Warrant is
being exercised are subdivided or combined into a greater or smaller number of
shares of stock, the Warrant Price shall be proportionately reduced in the case
of subdivision of shares or proportionately increased in the case of combination
of shares, in both cases by the ratio which the total number of shares of such
class of stock to be outstanding immediately after such event bears to the total
number of shares of such class of stock outstanding immediately prior to such
event.

          (c) ADJUSTMENT FOR DIVIDENDS IN STOCK. In case at any time or from
time to time on or after the date hereof the holders of the shares of the
Company's capital stock of the same class and series as the Warrant Shares (or
any shares of stock or other securities at the time receivable upon the exercise
of this Warrant) shall have received, or, on or after the record date fixed for
the determination of eligible shareholders, shall have become entitled to
receive, without payment therefor, other or additional stock of the Company by
way of dividend, then and in each case, the holder of this Warrant shall, upon
the exercise hereof, be entitled to receive, in addition to the number of shares
of Warrant Shares receivable thereupon, and without payment of any additional
consideration therefor, the amount of such other or additional stock of the
Company which such holder would hold on the date of such exercise had it been
the holder of record of such Warrant Shares on the date hereof and had
thereafter, during the period from the date hereof to and including the date of
such exercise, retained such shares and/or all other additional stock receivable
by it as aforesaid during such period, giving effect to all adjustments called
for during such period by paragraph (c) of this Section 3.

          (d) ADJUSTMENT OF WARRANT PRICE.

               (i) SPECIAL DEFINITIONS. For purposes of this Section 3(d), the
following definitions shall apply:

               (A) "OPTIONS" shall mean rights, options or warrants to subscribe
for, purchase or otherwise acquire either Common Stock or Convertible Securities
(as defined below).

               (B) "CONVERTIBLE SECURITIES" shall mean any evidences of
indebtedness, shares or other securities convertible into or exchangeable for
Common Stock.

<PAGE>

               (C) "ADDITIONAL SHARES OF COMMON STOCK" shall mean all shares of
Common Stock issued (or, pursuant to Section 3(d)(iii) below, deemed to be
issued) by the Company after the Warrant Issue Date (as defined below), other
than shares of Common Stock issued or issuable:

               (I) upon conversion of shares of Series A Preferred Stock or
Series B Preferred Stock;

               (II) to officers, directors or employees of, or consultants to,
the Company pursuant to a warrant, stock grant, option agreement or plan,
purchase plan or other employee stock incentive program or agreement approved by
the Board of Directors, up to a maximum number of shares of Common Stock
(assuming full conversion of any such convertible securities into Common Stock)
equal to 25% of the then outstanding shares of the Company's Common Stock,
Series A Preferred Stock (as converted) and Series B Preferred Stock (as
converted);

               (III) in connection with the acquisition by the Company of
another business entity or majority ownership thereof approved by the Board of
Directors;

               (IV) to lease companies, real estate lessors, banks or financial
institutions, whether shares or warrants, in connection with any lease or debt
financing transaction approved by the Board of Directors;

               (V) upon exercise of warrants outstanding as of the date of the
Warrant Issue Date (as defined hereafter);

               (VI) in connection with a transaction described in Section
3(d)(iv);

               (VII) in connection with a strategic investment and/or
acquisition of technology or intellectual property approved by the Board of
Directors;

               (VIII) by way of dividend or other distribution on shares of
Common Stock excluded from the definition of Additional Shares of Common Stock
by the foregoing clauses (1) through (7).

               (D) "WARRANT ISSUE DATE" shall mean the date on which the Warrant
was first issued by the Company.

          (ii) NO ADJUSTMENT OF WARRANT PRICE. No adjustment in the Warrant
Price shall be made with respect to the issuance of Additional Shares of Common
Stock unless the consideration per share for an Additional Share of Common Stock
issued or deemed to be issued by the Company is less than the Warrant Price in
effect on the date of, and immediately prior to, such issue.

          (iii) DEEMED ISSUE OF ADDITIONAL SHARES OF COMMON STOCK. In the event
the Company at any time or from time to time after the Warrant Issue Date shall
issue any Options or Convertible Securities or shall fix a record date for the
determination of holders

<PAGE>

of any class of securities entitled to receive any such Options or Convertible
Securities, then the maximum number of shares (as set forth in the instrument
relating thereto without regard to any provisions contained therein for a
subsequent adjustment of such number) of Common Stock issuable upon the exercise
of such Options or, in the case of Convertible Securities, the conversion or
exchange of the Convertible Securities shall be deemed to be Additional Shares
of Common Stock issued as of the time of the issuance of such Option or
Convertible Security or, in case such a record date shall have been fixed, as of
the close of business on such record date:

               (A) except as provided in Section 3(d)(iii)(B) and 3(d)(iii)(C)
below, no further adjustment in the Warrant Price shall be made upon the
subsequent issue of Convertible Securities or shares of Common Stock upon the
exercise of such Options or conversion or exchange of such Convertible
Securities;

               (B) if such Options or Convertible Securities by their terms
provide, with the passage of time or otherwise, for any change in the
consideration payable to the Company, or change in the number of shares of
Common Stock issuable, upon the exercise, conversion or exchange thereof (other
than under or by reason of provisions designed to protect against dilution), a
Warrant Price computed upon the original issue thereof (or upon the occurrence
of a record date with respect thereto) and any subsequent adjustments based
thereon, shall, upon any such increase or decrease becoming effective, be
recomputed to reflect such increase or decrease insofar as it affects such
Options or the rights of conversion or exchange under such Convertible
Securities;

               (C) upon the expiration of any such Options or Convertible
Securities, the Warrant Price, to the extent in any way affected by or computed
using such Options or Convertible Securities, shall be recomputed to reflect the
issuance of only the number of shares of Common Stock actually issued upon the
exercise of such Options or Convertible Securities; and

               (D) no readjustment pursuant to Section 3(d)(iii) clauses (B) and
(C) above shall have the effect of increasing the Warrant Price to an amount
which exceeds the lower of (1) the Warrant Price on the original adjustment date
or (2) the Warrant Price that would have resulted from any issuance of
Additional Shares of Common Stock between the original adjustment date and such
readjustment date.

               (iv) ADJUSTMENT OF WARRANT PRICE UPON ISSUANCE OF ADDITIONAL
SHARES OF COMMON STOCK BELOW PURCHASE PRICE. In the event this Corporation shall
issue Additional Shares of Common Stock (including Additional Shares of Common
Stock deemed to be issued pursuant to Section 3(d)(iii)), after the Warrant
Issue Date, without consideration or for a consideration per share less than the
Warrant Price in effect on the date of and immediately prior to such issue (such
issuance price being referred to herein as the "DILUTION PRICE"), then and in
each such event the Warrant Price shall automatically be adjusted as set forth
in this Section 3(d)(iv), unless otherwise provided in this Section 3(d)(i).

               (A) ADJUSTMENT FORMULA. Whenever the Conversion Price is adjusted
by Section 3(d)(iv), the new Warrant Price shall be determined by multiplying
the Warrant Price then in effect by a fraction, the numerator of which shall be
the number of

<PAGE>

shares of Common Stock outstanding immediately prior to such issue plus the
number of shares of Common Stock which the aggregate consideration received by
the Company for the total number of Additional Shares of Common Stock so issued
would purchase at such Warrant Price in effect immediately prior to such
issuance, and the denominator of which shall be the number of shares of Common
Stock outstanding immediately prior to such issues plus the number of such
additional shares of Common Stock so issued. For the purposes of this paragraph,
the number of outstanding shares of Common Stock shall be deemed to include the
Common Stock issuable on conversion of all other outstanding Preferred Stock,
upon conversion or exercise of any other outstanding Convertible Securities and
upon exercise of all vested Options (and assuming conversion of Convertible
Securities issuable upon exercise of Options).

               (v) DETERMINATION OF CONSIDERATION. For purposes of this Section
3(d), the consideration received by the Company for the issue of any Additional
Shares of Common Stock shall be computed as follows:

               (A) CASH AND PROPERTY: Such consideration shall:

               (1) insofar as it consists of cash, be computed at the aggregate
amount of cash received by the Company before deducting any reasonable
discounts, commissions or other expenses allowed, paid or incurred by the
Company for any underwriting or otherwise in connection with the issuance and
sale thereof;

               (2) insofar as it consists of property other than cash, be
computed at the fair value thereof at the time of such issue, as determined by
Board in the good faith exercise of its reasonable business judgment; and

               (3) in the event Additional Shares of Common Stock are issued
together with other shares or securities or other assets of the Company for
consideration which covers both, be the proportion of such consideration so
received, computed as provided in clauses (1) and (2) above, as determined in
good faith by the Board.

               (B) OPTIONS AND CONVERTIBLE SECURITIES. The consideration per
share received by the Company for Additional Shares of Common Stock deemed to
have been issued pursuant to Section 3(d), relating to Options and Convertible
Securities, shall be determined by dividing:

               (1) the total amount, if any, received or receivable by the
Company as consideration for the issue of such Options or Convertible
Securities, plus the minimum aggregate amount of additional consideration (as
set forth in the instruments relating thereto, without regard to any provision
contained therein for a subsequent adjustment of such consideration) payable to
the Company upon the exercise of such Options or the conversion or exchange of
such Convertible Securities, or in the case of Options for Convertible
Securities, the exercise of such Options for Convertible Securities and the
conversion or exchange of such Convertible Securities, by

<PAGE>

               (2) the maximum number of shares of Common Stock (as set forth in
the instruments relating thereto, without regard to any provision contained
therein for a subsequent adjustment of such number) issuable upon the exercise
of such Options or the conversion or exchange of such Convertible Securities.

     4. NO STOCKHOLDER RIGHTS. This Warrant, by itself, as distinguished from
any shares purchased hereunder, shall not entitle its holder to any of the
rights of a stockholder of the Company.

     5. EXERCISE OF WARRANT. This Warrant may be exercised in whole or part by
the holder, at any time after the date hereof and prior to the termination of
this Warrant, by the surrender of this Warrant, together with the Notice of
Exercise attached hereto as ATTACHMENT 1, duly completed and executed at the
principal office of the Company, accompanied by payment in full of the Warrant
Price in cash or by check with respect to the shares of Warrant Shares being
purchased. This Warrant shall be deemed to have been exercised immediately prior
to the close of business on the date of its surrender for exercise as provided
above, and the person entitled to receive the shares of Warrant Shares issuable
upon such exercises shall be treated for all purposes as holder of such shares
of record as of the close of business on such date. As promptly as practicable
after such date, the Company shall issue and deliver to the person or persons
entitled to receive the same a certificate or certificates for the number of
full shares of Warrant Shares issuable upon such exercise.

     6. CONVERSION. In lieu of exercising this Warrant or any portion hereof by
paying cash, the holder hereof shall have the right to convert this Warrant or
any portion hereof and receive Warrant Shares by executing and delivering to the
Company at its principal office the written notice of conversion in the form
attached hereto as ATTACHMENT 2, respectively, specifying the portion of the
Warrant to be converted, and accompanied by this Warrant. The number of shares
of Warrant Shares to be issued upon such conversion shall be computed using the
following formula:

         X = (P)(Y)(A-B)/A

         Where             X =      the number of shares of Warrant Shares to be
                                    issued to the holder for the portion of the
                                    Warrant being converted.

                           P =      the portion in the form of a fraction of the
                                    Warrant being converted.

                           Y        = the total number of shares of Warrant
                                    Shares issuable upon exercise of the Warrant
                                    in full.

                           A =      the fair market value of one share of
                                    Warrant Shares which shall mean the last
                                    reported sale price per share of the Common
                                    Stock as reported on the Nasdaq National
                                    Market (or if the Common Stock is not then
                                    listed on the Nasdaq National Market, then
                                    such last reported sale price on a national
                                    securities exchange or other nationally
                                    recognized exchange or trading system) on
                                    the day upon which the holder delivered its
                                    notice of conversion to the

<PAGE>

                                    Company, or if no such price is reported on
                                    such day, such price on the next preceding
                                    business day for which such price is
                                    reported.

                           B =      the Warrant Price on the day upon which the
                                    holder delivered its notice of conversion to
                                    the Company.

Any portion of this Warrant that is converted shall be immediately canceled.

     7. CERTIFICATE OF ADJUSTMENT. Whenever the Warrant Price or number or type
of securities issuable upon exercise of this Warrant is adjusted, as herein
provided, the Company shall deliver to the record holder of this Warrant a
certificate of an officer or other authorized person of the Company setting
forth the nature of such adjustment and a brief statement of the facts requiring
such adjustment.

     8. SALE OR TRANSFER OF WARRANT. The Purchaser shall not sell or transfer
this Warrant other than to an affiliate of Purchaser. For the purposes of this
Agreement, an "Affiliate" shall mean any partner, limited partner or member of
Purchaser or any person or entity that directly or indirectly through one or
more intermediaries controls or is controlled by or is under common control with
Purchaser.

     9. SUCCESSORS AND ASSIGNS. The terms and provisions of this Warrant shall
inure to the benefit of, and be binding upon the Company, its successors and
assigns. This Warrant cannot be assigned by Purchaser, except to an Affiliate,
without the express written consent of the Company.

     10. REPRESENTATIONS AND COVENANTS OF THE COMPANY. The Company makes the
following representations and covenants:

          (a) AUTHORIZATION. All corporate action on the part of the Company,
its officers, directors and stockholders necessary for the authorization,
execution and delivery of this Warrant, the performance of all obligations of
the Company hereunder and thereunder, and the authorization, issuance (or
reservation for issuance), sale and delivery of the Warrant Shares issuable
hereunder has been taken or will be taken prior to the Closing, and this Warrant
constitutes valid and legally binding obligations of the Company, enforceable in
accordance with its terms, except (i) as limited by applicable bankruptcy,
insolvency, reorganization, moratorium and other laws of general application
affecting enforcement of creditors' rights generally, (ii) as limited by laws
relating to the availability of specific performance, injunctive relief or other
equitable remedies and (iii) to the extent the indemnification provisions
contained in this Warrant may be limited by applicable federal or state
securities laws.

          (b) VALID ISSUANCE OF COMMON STOCK. The Warrant Shares issuable
hereunder, when issued, sold and delivered in accordance with the terms of this
Warrant for the consideration expressed herein, will be duly and validly issued,
fully paid and nonassessable, and will be free of restrictions on transfer other
than restrictions on transfer under this Warrant and under applicable state and
federal securities laws.

<PAGE>

          (c) RESERVATION OF COMMON STOCK. The Common Stock issuable upon
exercise or conversion of this Warrant has been duly and validly reserved. The
Company will at all times during the term of the Warrant have authorized and
reserved a sufficient number of shares of Common Stock to provide for the
exercise rights represented by the Warrant, free from preemptive rights. In the
event the number of authorized but unissued shares of Common Stock are not
sufficient to permit exercise of the Warrant, the Company will take any such
corporate action necessary to increase its authorized but unissued shares of
common Stock to permit such exercise.

          (d) COMPANY ACTION. The Company will at all times during the term of
this Warrant act in good faith to assist in the carrying out of all of the
provisions of this Warrant. The Company will at all times during the term of the
Warrant take any and all action as may be necessary or appropriate to protect
the exercise of the rights of the Purchaser under this Warrant.

     11. REPRESENTATIONS AND COVENANTS OF THE PURCHASER. This Warrant has been
entered into by the Company in reliance upon the following representations and
covenants of the Purchaser:

          (a) INVESTMENT PURPOSE. The right to acquire Common Stock contained
herein will be acquired for investment and not with a view to the sale or
distribution of any part thereof, and the Purchaser has no present intention of
selling or engaging in any public distribution of the same except pursuant to a
registration or exemption.

          (b) PRIVATE ISSUE. The Purchaser understands (i) that the Common Stock
issuable upon exercise of the purchase rights under this Warrant is not
registered under the Securities Act of 1933 Act or qualified under applicable
state securities laws on the ground that the issuance contemplated by this
Warrant will be exempt from the registration and qualifications requirements
thereof, and (ii) that the Company's reliance on such exemption is predicated on
the representations set forth in this Section.

          (c) FINANCIAL RISK. Purchaser (i) has such knowledge and experience in
financial and business matters as to be capable of evaluating the merits and
risks of Purchaser's investment; (ii) has the ability to bear the economic risks
of Purchaser's prospective investment; (iii) has had access to such information
as Purchaser has considered necessary to make a determination to purchase the
investment together with such additional information as is necessary to verify
the accuracy of the information supplied; and (iv) has not been offered the
investment by any form of advertisement, article, notice or other communication
published in any newspaper, magazine, or similar media or broadcast over
television or radio, or any seminar or meeting whose attendees have been invited
by any such media.

          (d) ACCREDITED INVESTOR. Purchaser is an "accredited investor" within
the meaning of SEC Rule 501 of Regulation D, as presently in effect.

          (e) AUTHORIZATION. This Warrant constitutes the Purchaser's valid and
legally binding obligation, enforceable in accordance with its terms.

<PAGE>

          (f) DISCLOSURE OF INFORMATION. Purchaser believes it has received all
the information it considers necessary or appropriate for deciding whether to
purchase the rights under this Warrant. Purchaser further represents that it has
had an opportunity to ask questions and receive answers from the Company
regarding the terms and conditions of the Warrant and the Common Stock issuable
upon exercise of the purchase rights thereunder.

          (g) INVESTMENT EXPERIENCE. Purchaser is an investor in securities of
companies and acknowledges that it is able to fend for itself, can bear the
economic risk of its investment and has such knowledge and experience in
financial or business matters that it is capable of evaluating the merits and
risks of the investment in the Company's stock. If other than an individual,
Purchaser also represents that it has not been organized for the purpose of
acquiring the rights under this Warrant.

          (h) LEGENDS. It is understood that the Common Stock issuable upon
exercise of the rights under this Warrant may bear one or all of the following
legends:

               (i) "THE SECURITIES REPRESENTED BY THIS CERTIFICATE HAVE NOT BEEN
REGISTERED UNDER THE SECURITIES ACT OF 1933, AS AMENDED (THE "ACT") AND ARE
"RESTRICTED SECURITIES" AS DEFINED IN RULE 144 PROMULGATED UNDER THE ACT. THE
SECURITIES MAY NOT BE SOLD OR OFFERED FOR SALE OR OTHERWISE DISTRIBUTED EXCEPT
(i) IN CONJUNCTION WITH AN EFFECTIVE REGISTRATION STATEMENT FOR THE SHARES UNDER
THE ACT OR (ii) IN COMPLIANCE WITH RULE 144, OR (iii) PURSUANT TO AN OPINION OF
COUNSEL, THAT SUCH REGISTRATION OR COMPLIANCE IS NOT REQUIRED AS TO SAID SALE,
OFFER OR DISTRIBUTION."

               (ii) Any legend required by the laws of the State of California
or other states, including any legend required by the California Department of
Corporations and Sections 417 and 418 of the Corporations Code.

     12. TERMINATION. Unless otherwise terminated pursuant to Section 3 (a)
above, this Warrant shall terminate at 5:00 p.m., California time, on the third
anniversary of the date hereof.

     13. NOTICES. Unless otherwise provided, any notice required or permitted
under this Warrant shall be given in writing and shall be deemed effectively
given upon personal delivery to the party to be notified or upon receipt after
deposit with the United States Post Office, by registered or certified mail,
postage prepaid and addressed to the party to be notified at the address
supplied by Purchaser to the Company or at such other address as Purchaser shall
designate by ten days advance written notice to the Company.

     14. MISCELLANEOUS. This Warrant shall be governed by the laws of the State
of Delaware, as such laws are applied to contracts to be entered into and
performed entirely in Delaware by Delaware residents. The headings in this
Warrant are for purposes of convenience and reference only, and shall not be
deemed to constitute a part hereof. Any provision of this Warrant may be
amended, waived or modified upon the written consent of the Company, and the
Purchaser; provided, however that each other Purchaser of a Warrant shall, at
its option, be entitled to amend, waive or modify the Warrant held by such
Purchaser in a similar manner.

<PAGE>

Upon delivery of written notice to the Company by the Purchaser, this Warrant
shall be deemed amended, waived or modified in the same manner as any other
Warrant. Any amendment or waiver effected in accordance with this Section 14
shall be binding upon the Company, the Purchaser and each transferee of this
Warrant.

                                                    SALON MEDIA GROUP, INC.

                                                    Signed:

                                                    Printed:  Michael O'Donnell

                                                    Title:  President / CEOEXHIBIT A

                         FORM OF CLASS A-[_] CERTIFICATE

        SOLELY  FOR U.S.  FEDERAL  INCOME  TAX  PURPOSES,  THIS  CERTIFICATE  IS
A"REGULAR  INTEREST" IN A "REAL ESTATE  MORTGAGE  INVESTMENT  CONDUIT," AS THOSE
TERMS ARE  DEFINED,  RESPECTIVELY,  IN  SECTIONS  860G AND 860D OF THE  INTERNAL
REVENUE CODE OF 1986.

        UNLESS THIS CERTIFICATE IS PRESENTED BY AN AUTHORIZED  REPRESENTATIVE OF
THE DEPOSITORY TRUST COMPANY, A NEW YORK CORPORATION  ("DTC"),  TO ISSUER OR ITS
AGENT FOR REGISTRATION OF TRANSFER,  EXCHANGE,  OR PAYMENT,  AND ANY CERTIFICATE
ISSUED  IS  REGISTERED  IN THE NAME OF CEDE & CO.  OR IN SUCH  OTHER  NAME AS IS
REQUESTED  BY AN  AUTHORIZED  REPRESENTATIVE  OF DTC (AND ANY PAYMENT IS MADE TO
CEDE  &  CO.  OR  TO  SUCH  OTHER  ENTITY  AS  IS  REQUESTED  BY  AN  AUTHORIZED
REPRESENTATIVE  OF DTC), ANY TRANSFER,  PLEDGE, OR OTHER USE HEREOF FOR VALUE OR
OTHERWISE  BY OR TO ANY PERSON IS  WRONGFUL  INASMUCH  AS THE  REGISTERED  OWNER
HEREOF, CEDE & CO., HAS AN INTEREST HEREIN.

<PAGE>

                                    Certificate No. 1
Class A-__ Senior
                                    ___% Pass-Through Rate
Date of Pooling and Servicing
Agreement and Cut-off Date:         Percentage Interest: 100%
March 1, 2003
First Distribution Date:            Aggregate Initial [Certificate
April 25, 2003                      Principal Balance][Notional Amount] of
                                    the Class A-__ Certificates: $_________
Master Servicer:
Residential Funding Corporation
Final Scheduled Distribution Date:  Initial [Certificate Principal Balance]
_________ __, ____                  [Notional Amount] of this Class A-__
                                    Certificate:
                                    $---------
Maturity Date:
[April 25, 2033]
                                                       CUSIP:__________

                       MORTGAGE ASSET-BACKED PASS-THROUGH CERTIFICATES

                                 SERIES 2003-RZ2

               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 lien mortgage loans sold
               by RESIDENTIAL ASSET MORTGAGE PRODUCTS, INC.

        This  Certificate  is payable  solely from the assets of the Trust Fund,
and does not  represent  an  obligation  of or  interest  in  Residential  Asset
Mortgage Products,  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 Asset Mortgage Products,  Inc., the
Master  Servicer,  the  Trustee or GMAC  Mortgage  Group,  Inc.  or any of their
affiliates.  None of the Depositor,  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] [Notional Amount] of this Certificate by
the aggregate Initial  [Certificate  Principal Balance] [Notional Amount] of all
Class A-__ 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 lien mortgage loans

<PAGE>

(the "Mortgage  Loans"),  sold by  Residential  Asset  Mortgage  Products,  Inc.
(hereinafter  called the  "Depositor,"  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  Depositor,  the Master  Servicer and JPMorgan  Chase Bank,  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]  [close of business
on the day  prior  (or if such  day is not a  Business  Day,  the  Business  Day
immediately  preceding such day) to such Distribution Date] (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  Pass-Through  Rate  on  this
Certificate is subject to the Net WAC Rate set forth in the Agreement.]

        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][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

<PAGE>

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 and
the Insurer 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 Depositor 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  Depositor,  the  Master  Servicer  and the  Trustee  and the  rights of the
Certificateholders  under the Agreement from time to time by the Depositor,  the
Master  Servicer and the Trustee with the consent of the Insurer and 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.

        Pursuant to the Agreement,  unless an Insurer Default (as defined in the
Agreement) exists, (i) the Insurer shall be deemed to be the holder of the Class
A-1  Certificates  for certain  purposes  specified in the Agreement (other than
with respect to payment on the Class A-1 Certificates),  and will be entitled to
exercise all rights of the Certificateholders  thereunder,  including the rights
of  Certificateholders  relating to the  occurrence  of, and the  remedies  with
respect to, an Event of Default, without the consent of such Certificateholders,
and (ii) the Trustee may take actions which would  otherwise be at the option or
within the discretion of the  Certificateholders,  including actions relating to
the  occurrence  of, and remedies with respect to, an Event of Default,  only at
the direction, or with the consent, of the Insurer.

        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 there upon 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

<PAGE>

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 Depositor,  the Master  Servicer,  the Trustee,  the Insurer and the
Certificate Registrar and any agent of the Depositor,  the Master Servicer,  the
Trustee, the Insurer 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 Depositor,  the Master  Servicer,  the Trustee,  the Insurer 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
related  Certificates.  The Agreement permits,  but does not require, the Master
Servicer (i) to 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) to purchase in whole, but not in part, all of the Class A,
Class M and Class SB Certificates from the Holders thereof,  provided,  that any
such option may only be exercised if the aggregate Stated  Principal  Balance of
the Mortgage Loans, as of the  Distribution  Date upon which the proceeds of any
such  purchase  are  distributed  is equal to or 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.

                                JPMORGAN CHASE BANK,
                                     as Trustee

                                By:___________________________________
                                           Authorized Signatory

Dated: April 2, 2003

                          CERTIFICATE OF AUTHENTICATION

        This  is  one  of  the  Class  A-__  Certificates  referred  to  in  the
within-mentioned Agreement.

                             JPMORGAN CHASE BANK, 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 CLASS A
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.

        NO TRANSFER OF THIS CLASS M CERTIFICATE  WILL BE MADE UNLESS THE TRUSTEE
HAS  RECEIVED  EITHER (A) 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 CODE
AND  STATING,  AMONG OTHER  THINGS,  THAT THE  PURCHASE OF THIS  CERTIFICATE  IS
PERMISSIBLE  UNDER  APPLICABLE  LAW,  WILL  NOT  CONSTITUTE  OR  RESULT  IN  ANY
PROHIBITED  TRANSACTION  UNDER  ERISA OR  SECTION  4975 OF THE CODE AND WILL NOT
SUBJECT THE DEPOSITOR, THE MASTER SERVICER, THE TRUSTEE OR THE TRUST FUND TO ANY
OBLIGATION OR LIABILITY  (INCLUDING  OBLIGATIONS OR  LIABILITIES  UNDER ERISA OR
SECTION 4975 OF THE CODE) IN ADDITION TO THOSE  UNDERTAKEN IN THE AGREEMENT,  OR
(B) A  REPRESENTATION  LETTER,  IN THE FORM DESCRIBED IN THE  AGREEMENT,  EITHER
STATING THAT THE TRANSFEREE IS NOT AN EMPLOYEE  BENEFIT OR OTHER PLAN SUBJECT TO
THE  PROHIBITED  TRANSACTION  PROVISIONS OF ERISA OR SECTION 4975 OF THE CODE (A
"PLAN") OR ANY OTHER PERSON (INCLUDING AN INVESTMENT  MANAGER, A NAMED FIDUCIARY

<PAGE>

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"),
OR STATING THAT (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  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").

        NOTWITHSTANDING  THE  ABOVE,  WITH  RESPECT  TO  THE  TRANSFER  OF  THIS
CERTIFICATE TO A DEPOSITORY OR ANY  SUBSEQUENT  TRANSFER OF ANY INTEREST IN THIS
CERTIFICATE  FOR SO LONG  AS THIS  CERTIFICATE  IS  HELD  BY A  DEPOSITORY,  (I)
NEITHER,  AN OPINION OF COUNSEL NOR A  CERTIFICATION,  EACH AS  DESCRIBED IN THE
FOREGOING PARAGRAPH,  SHALL BE REQUIRED, AND (II) THE FOLLOWING CONDITIONS SHALL
APPLY:

1.      ANY TRANSFEREE OF THIS CERTIFICATE WILL BE DEEMED TO HAVE REPRESENTED BY
        VIRTUE OF ITS  PURCHASE  OR HOLDING  OF THIS  CERTIFICATE  (OR  INTEREST
        HEREIN) THAT EITHER (A) SUCH  TRANSFEREE  IS NOT A PLAN  INVESTOR OR (B)
        SUCH TRANSFEREE IS A COMPLYING INSURANCE COMPANY; AND

2.      IF THIS  CERTIFICATE  (OR ANY  INTEREST  HEREIN) IS  ACQUIRED OR HELD IN
        VIOLATION OF THE  PROVISIONS OF THE PRECEDING  PARAGRAPH,  THEN THE LAST
        PRECEDING TRANSFEREE THAT EITHER (I) IS NOT A PLAN INVESTOR OR (II) 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. 1
Class M-__ Mezzanine
                                     ___% Pass-Through Rate
Date of Pooling and Servicing
Agreement and Cut-off Date:          Aggregate Initial Certificate Principal
March 1, 2003                        Balance of the Class M-__
                                     Certificates:  $______
First Distribution Date:             Initial Certificate Principal Balance
April 25, 2003                       of the Class M-__
                                     Certificates: $_________
Master Servicer:
Residential Funding Corporation
Final Scheduled Distribution Date:   CUSIP: _________
April 25, 2033
Maturity Date:
April 25, 2033

                       MORTGAGE ASSET-BACKED PASS-THROUGH CERTIFICATES

                                 SERIES 2003-RZ2

               evidencing a percentage  interest in the distributions  allocable
               to the  Class  M-_  Certificates  with  respect  to a Trust  Fund
               consisting   primarily  of  a  pool  of   conventional   one-  to
               four-family  fixed interest rate,  first lien mortgage loans sold
               by RESIDENTIAL ASSET MORTGAGE PRODUCTS, INC.

        This  Certificate  is payable  solely from the assets of the Trust Fund,
and does not  represent  an  obligation  of or  interest  in  Residential  Asset
Mortgage Products,  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 Asset Mortgage Products,  Inc., the
Master  Servicer,  the  Trustee or GMAC  Mortgage  Group,  Inc.  or any of their
affiliates.  None of the Depositor,  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 M-_  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 lien  mortgage  loans (the  "Mortgage

<PAGE>

Loans"),  sold by Residential Asset Mortgage Products,  Inc. (hereinafter called
the  "Depositor,"  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
Depositor,  the Master  Servicer  and  JPMorgan  Chase  Bank,  as  trustee  (the
"Trustee"),  a summary of certain of the  pertinent  provisions  of which is set
forth hereafter.  To the extent not defined herein,  the capitalized  terms used
herein have the meanings  assigned in the Agreement.  This Certificate is issued
under and is subject to the terms,  provisions  and conditions of the Agreement,
to which  Agreement the Holder of this  Certificate  by virtue of the acceptance
hereof assents and by which such Holder is bound.

        Pursuant to the terms of the Agreement,  a distribution  will be made on
the 25th day of each  month  or,  if such 25th day is not a  Business  Day,  the
Business Day  immediately  following (the  "Distribution  Date"),  commencing as
described  in the  Agreement,  to the Person in whose name this  Certificate  is
registered  at the close of business on the last day (or if such last day is not
a Business  Day, the Business Day  immediately  preceding  such last day) of the
month immediately  preceding the month of such distribution (the "Record Date"),
from the Available  Distribution Amount in an amount equal to the product of the
Percentage Interest evidenced by this Certificate and the amount of interest and
principal,  if  any,  required  to be  distributed  to  Holders  of  Class  M-__
Certificates  on  such  Distribution   Date.  [The  Pass-Through  Rate  of  this
Certificate is subject to the Net WAC Rate set forth in the Agreement.]

        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 Depositor, 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>

        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  and the Insurer 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 Depositor  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  Depositor,  the  Master  Servicer  and the  Trustee  and the  rights of the
Certificateholders  under the Agreement at any time by the Depositor, the Master
Servicer  and the  Trustee  with the  consent of the  Insurer and 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.

        Pursuant to the Agreement,  unless an Insurer Default (as defined in the
Agreement) exists, (i) the Insurer shall be deemed to be the holder of the Class
A-1  Certificates  for certain  purposes  specified in the Agreement (other than
with respect to payment on the Class A-1 Certificates),  and will be entitled to
exercise all rights of the Certificateholders  thereunder,  including the rights
of  Certificateholders  relating to the  occurrence  of, and the  remedies  with
respect to, an Event of Default, without the consent of such Certificateholders,
and (ii) the Trustee may take actions which would  otherwise be at the option or
within the discretion of the  Certificateholders,  including actions relating to
the  occurrence  of, and remedies with respect to, an Event of Default,  only at
the direction, or with the consent, of the Insurer.

        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 Depositor,  the Master  Servicer,  the Trustee,  the Insurer and the
Certificate Registrar and any agent of the Depositor,  the Master Servicer,  the
Trustee, the Insurer 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 Depositor,  the Master  Servicer,  the Trustee,  the Insurer 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 Class A,  Class M and Class SB
Certificates from the Holders thereof;  provided,  that any such option may only
be exercised if the aggregate Stated Principal  Balance of the Mortgage Loans as
of the  Distribution  Date upon  which the  proceeds  of any such  purchase  are
distributed  is equal to or 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.

                            JPMORGAN CHASE BANK,
                                 as Trustee

                            By:___________________________________
                                       Authorized Signatory

Dated: April 2, 2003

                          CERTIFICATE OF AUTHENTICATION

        This  is  one  of  the  Class  M-__  Certificates  referred  to  in  the
within-mentioned Agreement.

                             JPMORGAN CHASE BANK,
                                  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 SB CERTIFICATE

        THIS  CERTIFICATE IS SUBORDINATED IN RIGHT OF PAYMENT TO THE CLASS A AND
CLASS M CERTIFICATES AS DESCRIBED IN THE AGREEMENT (AS DEFINED HEREIN).

        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.

        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 POOLING AND  SERVICING
AGREEMENT (THE "AGREEMENT").

        NO TRANSFER OF THIS  CERTIFICATE OR ANY INTEREST HEREIN SHALL BE MADE TO
ANY PLAN  SUBJECT  TO ERISA OR  SECTION  4975 OF THE CODE,  ANY  PERSON  ACTING,
DIRECTLY OR INDIRECTLY,  ON BEHALF OF ANY SUCH PLAN OR ANY PERSON ACQUIRING SUCH
CERTIFICATES  WITH "PLAN ASSETS" OF A PLAN WITHIN THE MEANING OF THE  DEPARTMENT
OF LABOR REGULATION PROMULGATED AT 29 C.F.R. ss.2510.3-101("PLAN ASSETS") UNLESS
THE DEPOSITOR,  THE TRUSTEE AND THE MASTER SERVICER ARE PROVIDED WITH AN OPINION
OF COUNSEL WHICH  ESTABLISHES TO THE SATISFACTION OF THE DEPOSITOR,  THE TRUSTEE
AND THE MASTER  SERVICER THAT THE PURCHASE OF THIS  CERTIFICATE  IS  PERMISSIBLE
UNDER   APPLICABLE  LAW,  WILL  NOT  CONSTITUTE  OR  RESULT  IN  ANY  PROHIBITED
TRANSACTION  UNDER  ERISA OR SECTION  4975 OF THE CODE AND WILL NOT  SUBJECT THE
DEPOSITOR,  THE MASTER SERVICER, THE TRUSTEE OR THE TRUST FUND TO ANY OBLIGATION
OR LIABILITY  (INCLUDING  OBLIGATIONS OR LIABILITIES UNDER ERISA OR SECTION 4975
OF THE CODE) IN ADDITION TO THOSE UNDERTAKEN IN THE AGREEMENT,  WHICH OPINION OF
COUNSEL  SHALL NOT BE AN EXPENSE OF THE  DEPOSITOR,  THE  MASTER  SERVICER,  THE
TRUSTEE  OR THE  TRUST  FUND.  IN LIEU OF THE  FOREGOING  OPINION,  A  POTENTIAL
TRANSFEREE  OF THIS  CERTIFICATE  MAY PROVIDE THE TRUSTEE  WITH A  CERTIFICATION
PURSUANT  TO SECTION  5.02(e) OF THE  AGREEMENT  IN THE FORM OF EXHIBIT O TO THE
AGREEMENT,   WHICH  THE  TRUSTEE  MAY  RELY  UPON  WITHOUT  FURTHER  INQUIRY  OR
INVESTIGATION.

<PAGE>

                                        Certificate No. 1
Class SB Subordinate
Date of Pooling and Servicing           Percentage Interest:  100%
Agreement and Cut-off Date:
March 1, 2003
First Distribution Date:                Aggregate Certificate Principal Balance
April 25, 2003                          of the Class SB Certificates:  $______
Master Servicer:                        Initial Certificate Principal Balance
Residential Funding Corporation         of this Certificate: $_________
Final Scheduled Distribution Date:      CUSIP:__________
April 25, 2033
Maturity Date:
April 25, 2033

                       MORTGAGE ASSET-BACKED PASS-THROUGH CERTIFICATES

                                 SERIES 2003-RZ2

               evidencing a percentage  interest in the distributions  allocable
               to the  Class  SB  Certificates  with  respect  to a  Trust  Fund
               consisting   primarily  of  a  pool  of   conventional   one-  to
               four-family  fixed interest rate,  first lien mortgage loans sold
               by RESIDENTIAL ASSET MORTGAGE PRODUCTS, INC.

        This  Certificate  is payable  solely from the assets of the Trust Fund,
and does not  represent  an  obligation  of or  interest  in  Residential  Asset
Mortgage Products,  Inc., the Master Servicer,  the Trustee referred to below 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 Asset Mortgage Products,  Inc., the Master Servicer,  the Trustee
or any of their affiliates. None of the Depositor, the Master Servicer 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 SB  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 lien mortgage loans (the  "Mortgage  Loans"),  sold by  Residential  Asset
Mortgage Products, Inc. (hereinafter called the "Depositor," which term includes
any successor entity under the Agreement  referred to below). The Trust Fund was

<PAGE>

created  pursuant to a Pooling and Servicing  Agreement dated as specified above
(the  "Agreement")  among the Depositor,  the Master Servicer and JPMorgan Chase
Bank,  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  SB
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  Notional  Amount  of this  Class SB  Certificate  as of any date of
determination  will be calculated as described in the  Agreement.  This Class SB
Certificate will not accrue interest on its Certificate Principal Balance.

        No  transfer  of this  Class SB  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  Depositor  may  require  an  opinion of counsel
acceptable  to and in form and  substance  satisfactory  to the  Trustee and the
Depositor 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
Depositor, 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.
<PAGE>

        No transfer of this  Certificate or any interest herein shall be made to
any Plan  subject  to ERISA or  Section  4975 of the Code,  any  Person  acting,
directly or indirectly,  on behalf of any such Plan or any Person acquiring such
Certificates  with "plan assets" of a Plan within the meaning of the  Department
of Labor  regulation  promulgated  at 29 C.F.R.  ss.2510.3-101  ("Plan  Assets")
unless the Depositor,  the Trustee and the Master  Servicer are provided with an
Opinion of Counsel that  establishes to the  satisfaction of the Depositor,  the
Trustee  and the  Master  Servicer  that the  purchase  of this  Certificate  is
permissible  under  applicable  law,  will  not  constitute  or  result  in  any
prohibited  transaction  under  ERISA or  Section  4975 of the Code and will not
subject the Depositor, the Master Servicer, the Trustee or the Trust Fund to any
obligation or liability  (including  obligations or  liabilities  under ERISA or
Section  4975 of the Code) in addition  to those  undertaken  in the  Agreement,
which  Opinion of Counsel shall not be an expense of the  Depositor,  the Master
Servicer,  the Trustee or the Trust Fund. In lieu of such Opinion of Counsel,  a
Person  acquiring this  Certificate may provide a  certification  in the form of
Exhibit O to the  Agreement,  which the  Trustee may rely upon  without  further
inquiry or investigation.

        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 and
the Insurer 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 Depositor 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  Depositor,  the  Master  Servicer  and the  Trustee  and the  rights of the
Certificateholders  under the Agreement from time to time by the Depositor,  the
Master  Servicer and the Trustee with the consent of the Insurer and 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  Depositor,  the Master  Servicer,  the Trustee,  the  Insurer,  the
Certificate Registrar and any agent of the Depositor,  the Master Servicer,  the
Trustee, the Insurer 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 Depositor,  the Master  Servicer,  the Trustee,  the Insurer 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
(i) to  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) to purchase in whole,  but not in part, all of the Class A, Class M
and Class SB  Certificates  from the Holders  thereof;  provided,  that any such
option may only be exercised if the aggregate  Stated  Principal  Balance of the
Mortgage Loans as of the  Distribution  Date upon which the proceeds of any such
purchase  are  distributed  is equal to or less than ten  percent of the Cut-off
Date Principal Balance of the Mortgage Loans.
<PAGE>

        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.

                               JPMORGAN CHASE BANK,
                                    as Trustee

                               By:___________________________________
                                          Authorized Signatory

Dated: April 2, 2003

                          CERTIFICATE OF AUTHENTICATION

        This  is  one  of  the  Class  SB   Certificates   referred  to  in  the
within-mentioned Agreement.

                               JPMORGAN CHASE BANK,
                                    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

        THE CLASS R-__ CERTIFICATE WILL NOT BE ENTITLED TO PAYMENTS CONSTITUTING
THE  AVAILABLE  DISTRIBUTION  AMOUNT UNTIL SUCH TIME AS DESCRIBED IN THE POOLING
AND SERVICING AGREEMENT REFERRED TO HEREIN (THE "AGREEMENT").

        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").

        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 POOLING AND  SERVICING
AGREEMENT (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
DEPOSITOR  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 DEPOSITOR
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

<PAGE>

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. 1
Class R-__ Subordinate
Date of Pooling and Servicing          Percentage Interest:  100%
Agreement and Cut-off Date:
March 1, 2003
First Distribution Date:               Final Scheduled Distribution Date:
April 25, 2003                         April 25, 2033
Master Servicer:
Residential Funding Corporation

                       MORTGAGE ASSET-BACKED PASS-THROUGH CERTIFICATES

                                 SERIES 2003-RZ2

               evidencing a percentage  interest in the distributions  allocable
               to the Class  R-__  Certificates  with  respect  to a Trust  Fund
               consisting   primarily  of  a  pool  of   conventional   one-  to
               four-family  fixed interest rate,  first lien mortgage loans sold
               by RESIDENTIAL ASSET MORTGAGE PRODUCTS, INC.

        This Certificate is payable solely from the assets of the Trust Fund and
does not represent an obligation of or interest in  Residential  Asset  Mortgage
Products,  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 Asset Mortgage Products,  Inc., the
Master  Servicer,  the  Trustee  or GMAC  Mortgage  Group,  Inc or any of  their
affiliates.  None of the Depositor,  the Master Servicer or 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  FUNDING  CORPORATION is the registered
owner of the Percentage  Interest evidenced by this Certificate  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 lien
mortgage  loans (the  "Mortgage  Loans"),  sold by  Residential  Asset  Mortgage
Products,  Inc.  (hereinafter  called the  "Depositor,"  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 Depositor,  the Master  Servicer and JPMorgan Chase
Bank,  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  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 Master Servicer 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 Master  Servicer,  which
purchaser may be the Master  Servicer,  or any affiliate of the Master Servicer,
on such terms and conditions as the Master Servicer 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 Holder of
this   Certificate  may  have  additional   obligations  with  respect  to  this
Certificate, including tax liabilities.

        No  transfer  of this Class R-_  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  Depositor  may  require  an  opinion of counsel
acceptable  to and in form and  substance  satisfactory  to the  Trustee and the
Depositor 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
Depositor, 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.

        No transfer of this  Certificate or any interest herein shall be made to
any Plan  subject  to ERISA or  Section  4975 of the Code,  any  Person  acting,
directly or indirectly,  on behalf of any such Plan or any Person acquiring such
Certificates  with "plan assets" of a Plan within the meaning of the  Department
of Labor  regulation  promulgated  at 29 C.F.R.  ss.2510.3-101  ("Plan  Assets")

<PAGE>

unless the Depositor,  the Trustee and the Master  Servicer are provided with an
Opinion of Counsel which  establishes to the satisfaction of the Depositor,  the
Trustee  and the  Master  Servicer  that the  purchase  of this  Certificate  is
permissible  under  applicable  law,  will  not  constitute  or  result  in  any
prohibited  transaction  under  ERISA or  Section  4975 of the Code and will not
subject the Depositor, the Master Servicer, the Trustee or the Trust Fund to any
obligation or liability  (including  obligations or  liabilities  under ERISA or
Section  4975 of the Code) in addition  to those  undertaken  in the  Agreement,
which  Opinion of Counsel shall not be an expense of the  Depositor,  the Master
Servicer,  the Trustee or the Trust Fund. In lieu of such Opinion of Counsel,  a
Person  acquiring this  Certificate may provide a  certification  in the form of
paragraph  fifteen of Exhibit H-1 to the  Agreement,  which the Trustee may rely
upon without further inquiry or investigation.

        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 and
the Insurer 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 Depositor 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  Depositor,  the  Master  Servicer  and the  Trustee  and the  rights of the
Certificateholders  under the Agreement from time to time by the Depositor,  the
Master Servicer,  the Insurer 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

<PAGE>

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  Depositor,  the Master  Servicer,  the Trustee,  the  Insurer,  the
Certificate Registrar and any agent of the Depositor,  the Master Servicer,  the
Trustee, the Insurer 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 Depositor,  the Master  Servicer,  the Trustee,  the Insurer 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
related  Certificates.  The Agreement permits,  but does not require, the Master
Servicer (i) to 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) to purchase in whole, but not in part, all of the Class A,
Class M and Class SB Certificates from the Holders thereof;  provided,  that any
such option may only be exercised if the aggregate Stated  Principal  Balance of
the Mortgage Loans, as of the  Distribution  Date upon which the proceeds of any
such  purchase  are  distributed  is equal to or 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.

                             JPMORGAN CHASE BANK,
                                  as Trustee

                             By:___________________________________
                                        Authorized Signatory

Dated: April 2, 2003

                          CERTIFICATE OF AUTHENTICATION

        This  is  one  of  the  Class  R-__  Certificates  referred  to  in  the
within-mentioned Agreement.

                               JPMORGAN CHASE BANK,
                                    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 CUSTODIAL AGREEMENT

        THIS CUSTODIAL AGREEMENT (as amended and supplemented from time to time,
the  "Agreement"),  dated as of March 1, 2003, by and among JPMORGAN CHASE BANK,
as trustee  (including its successors under the Pooling Agreement defined below,
the "Trustee"),  RESIDENTIAL ASSET MORTGAGE PRODUCTS, INC., as company (together
with any successor in interest, the "Company"), RESIDENTIAL FUNDING CORPORATION,
as master  servicer  (together with any successor in interest or successor under
the Pooling Agreement  referred to below, the "Master Servicer") and WELLS FARGO
BANK MINNESOTA,  N.A., as custodian  (together with any successor in interest or
any successor appointed hereunder, the "Custodian").

                                 W I T N E S S E T H T H A T:

        WHEREAS, the Company, the Master Servicer,  and the Trustee have entered
into a Pooling and Servicing  Agreement,  dated as of March 1, 2003, relating to
the issuance of Residential Asset Mortgage Products, Inc., Mortgage Asset-Backed
Pass-Through  Certificates,  Series  2003-RZ2  (as in effect on the date of this
Agreement,  the "Original  Pooling  Agreement," and as amended and  supplemented
from time to time, the "Pooling Agreement"); and

        WHEREAS,  the  Custodian  has agreed to act as agent for the Trustee for
the purposes of receiving and holding  certain  documents and other  instruments
delivered by the Company and the Master  Servicer  under the Pooling  Agreement,
all upon the terms and conditions and subject to the limitations hereinafter set
forth;

        NOW,  THEREFORE,  in  consideration  of  the  premises  and  the  mutual
covenants and agreements  hereinafter set forth, the Trustee,  the Company,  the
Master Servicer and the Custodian hereby agree as follows:

                                   ARTICLE I

                                   Definitions

        Capitalized  terms used in this  Agreement and not defined  herein shall
have the meanings assigned in the Original Pooling  Agreement,  unless otherwise
required by the context herein.

                                   ARTICLE II

                          Custody of Mortgage Documents

Section  2.1  Custodian  to Act as Agent:  Acceptance  of  Mortgage  Files.  The
Custodian,  as the duly  appointed  agent of the  Trustee  for  these  purposes,

<PAGE>

acknowledges  receipt of the  Mortgage  Files  relating  to the  Mortgage  Loans
identified on the schedule  attached hereto (the "Mortgage  Files") and declares
that it holds and will hold the  Mortgage  Files as agent  for the  Trustee,  in
trust, for the use and benefit of all present and future Certificateholders.

Section 2.2  Recordation  of  Assignments.  If any Mortgage File includes one or
more assignments of the related Mortgage Loans to the Trustee that have not been
recorded,  each such  assignment  shall be  delivered  by the  Custodian  to the
Company for the purpose of recording  it in the  appropriate  public  office for
real property records,  and the Company,  at no expense to the Custodian,  shall
promptly cause to be recorded in the appropriate public office for real property
records each such  assignment and, upon receipt thereof from such public office,
shall return each such assignment to the Custodian.

Section 2.3    Review of Mortgage Files.

(a) On or prior to the Closing Date, the Custodian  shall deliver to the Trustee
and the Insurer an Initial  Certification  in the form annexed hereto as Exhibit
One  evidencing  receipt of a Mortgage File for each Mortgage Loan listed on the
Schedule  attached  hereto (the  "Mortgage Loan  Schedule").  The parties hereto
acknowledge that certain documents  referred to in Subsection  2.01(b)(i) of the
Pooling  Agreement  may be  missing  on or  prior to the  Closing  Date and such
missing documents shall be listed as a Schedule to Exhibit One.

(b) Within 45 days after the Closing Date, the Custodian agrees, for the benefit
of  Certificateholders  and the  Insurer,  to  review  in  accordance  with  the
provisions  of Section 2.02 of the Pooling  Agreement  each Mortgage File and to
deliver to the  Trustee  and the  Insurer an Interim  Certification  in the form
annexed  hereto as Exhibit Two to the effect that all  documents  required to be
delivered  pursuant  to  Section  2.01 (b) of the  Pooling  Agreement  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.  For purposes of such review,
the Custodian  shall compare the following  information in each Mortgage File to
the  corresponding  information  in the  Mortgage  Loan  Schedule:  (i) the loan
number,  (ii) the borrower name and (iii) the original principal balance. In the
event that any Mortgage Note or Assignment of Mortgage has been delivered to the
Custodian  by the Company in blank,  the  Custodian,  upon the  direction of the
Company,  shall cause each such  Mortgage Note to be endorsed to the Trustee and
each such  Assignment  of  Mortgage to be  completed  in the name of the Trustee
prior  to the date on which  such  Interim  Certification  is  delivered  to the
Trustee.  Within 45 days of receipt of the  documents  required to be  delivered
pursuant to Section 2.01(c) of the Pooling Agreement,  the Custodian agrees, for
the  benefit of the  Certificateholders  and the  Insurer,  to review  each such
document,  and upon the written request of the Trustee to deliver to the Trustee
and  the  Insurer  an  updated  Schedule  A to the  Interim  Certification.  The
Custodian  shall be under no duty or  obligation  to inspect,  review or examine
said documents, instruments,  certificates or other papers to determine that the
same are genuine,  enforceable,  or appropriate for the  represented  purpose or
that they have  actually  been  recorded  or that they are other  than what they
purport to be on their face, or that the MIN is accurate.  If in performing  the
review  required  by this  Section  2.3 the  Custodian  finds  any  document  or
documents  constituting  a part of a Mortgage File to be missing or defective in
respect of the items reviewed as described in this Section 2.3(b), the Custodian
shall promptly so notify the Company,  the Master Servicer,  the Insurer and the
Trustee.
<PAGE>

(c) Upon  receipt of all  documents  required  to be in the  Mortgage  Files the
Custodian shall deliver to the Trustee and the Insurer a Final  Certification in
the form annexed  hereto as Exhibit Three  evidencing  the  completeness  of the
Mortgage Files.

        Upon  receipt of written  request from the  Trustee,  the  Company,  the
Insurer or the  Master  Servicer,  the  Custodian  shall as soon as  practicable
supply the Trustee and the Insurer with a list of all of the documents  relating
to the Mortgage Loans  required to be delivered  pursuant to Section 2.01 (b) of
the Pooling Agreement not then contained in the Mortgage Files.

Section 2.4 Notification of Breaches of Representations  and Warranties.  If the
Custodian  discovers,  in the course of performing  its custodial  functions,  a
breach of a  representation  or  warranty  made by the  Master  Servicer  or the
Company as set forth in the Pooling  Agreement  with respect to a Mortgage  Loan
relating to a Mortgage File,  the Custodian  shall give prompt written notice to
the Company,  the Master Servicer,  the Insurer and the Trustee.  In the case of
the Insurer, such notice will be made to Ambac Assurance Corporation,  One State
Street Plaza, 19th Floor, New York, New York 10004, or such other address as may
hereafter be furnished  to the Company,  the Trustee and the Master  Servicer in
writing by Ambac Assurance Corporation.

Section  2.5  Custodian  to  Cooperate:  Release  of  Mortgage  Files.  Upon the
repurchase  or  substitution  of any Mortgage Loan pursuant to Article II of the
Pooling Agreement or payment in full of any Mortgage Loan, or 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 shall immediately notify
the  Custodian by delivering to the Custodian a Request for Release (in the form
of Exhibit Four attached hereto or a mutually  acceptable  electronic  form) and
shall request  delivery to it of the Mortgage File. The Custodian  agrees,  upon
receipt of such Request for Release,  promptly to release to the Master Servicer
the related Mortgage File.

               Upon receipt of a Request for Release  from the Master  Servicer,
signed by a Servicing Officer, that (i) the Master Servicer or a Subservicer, as
the case may be, has made a deposit into the Certificate  Account in payment for
the  purchase of the related  Mortgage  Loan in an amount  equal to the Purchase
Price for such  Mortgage  Loan or (ii) the  Company has chosen to  substitute  a
Qualified  Substitute  Mortgage Loan for such Mortgage Loan, the Custodian shall
release to the Master Servicer the related Mortgage File.

               Upon written notification of a substitution,  the Master Servicer
shall deliver to the  Custodian and the Custodian  agrees to accept the Mortgage
Note and other  documents  constituting  the  Mortgage  File with respect to any
Qualified Substitute Mortgage Loan, upon receiving written notification from the
Master Servicer of such substitution.

               From  time  to  time  as is  appropriate  for  the  servicing  or
foreclosures of any Mortgage Loan, including, for this purpose, collection under
any Primary Insurance Policy or any Mortgage Pool Insurance  Policy,  the Master
Servicer  shall deliver to the Custodian a Request for Release  certifying as to
the reason for such release. Upon receipt of the foregoing,  the Custodian shall
deliver the Mortgage  File or such document to the Master  Servicer.  The Master
Servicer  shall cause each Mortgage File or any document  therein so released to
be returned to the Custodian  when the need  therefor by the Master  Servicer no

<PAGE>

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
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  to the  Custodian  an
updated Request for Release signed by 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. Immediately upon receipt
of any  Mortgage  File  returned to the  Custodian by the Master  Servicer,  the
Custodian  shall  deliver  a  signed  acknowledgement  to the  Master  Servicer,
confirming receipt of such Mortgage File.

        Upon the written request of the Master Servicer, the Custodian will send
to the Master Servicer copies of any documents contained in the Mortgage File.

Section 2.6 Assumption Agreements. In the event that any assumption agreement or
substitution of liability agreement is entered into with respect to any Mortgage
Loan subject to this  Agreement in accordance  with the terms and  provisions of
the Pooling Agreement,  the Master Servicer shall notify the Custodian that such
assumption or  substitution  agreement  has been  completed by forwarding to the
Custodian the original of such assumption or substitution agreement, which shall
be added to the related Mortgage File and, for all purposes, shall be considered
a part of such  Mortgage  File to the same  extent  as all other  documents  and
instruments constituting parts thereof.

                                  ARTICLE III

                            Concerning the Custodian

Section 3.1  Custodian a Bailee and Agent of the  Trustee.  With respect to each
Mortgage  Note,  Mortgage and other  documents  constituting  each Mortgage File
which are delivered to the Custodian,  the Custodian is  exclusively  the bailee
and agent of the Trustee and has no  instructions  to hold any Mortgage  Note or
Mortgage for the benefit of any person  other than the Trustee,  the Insurer and
the  Certificateholders  and  undertakes  to perform  such  duties and only such
duties as are specifically  set forth in this Agreement.  Except upon compliance
with the provisions of Section 2.5 of this Agreement, no Mortgage Note, Mortgage
or other  document  constituting a part of a Mortgage File shall be delivered by
the Custodian to the Company or the Master  Servicer or otherwise  released from
the possession of the Custodian.

        The Master Servicer shall promptly notify the Custodian in writing if it
shall no  longer  be a member  of MERS,  or if it  otherwise  shall no longer be
capable of registering and recording Mortgage Loans using MERS. In addition, the
Master  Servicer shall (i) promptly  notify the Custodian in writing when a MERS
Mortgage  Loan is no longer  registered  with and  recorded  under MERS and (ii)
concurrently  with any such  deregistration  of a MERS Mortgage  Loan,  prepare,
execute and record an original  assignment  from MERS to the Trustee and deliver
such assignment to the Custodian.

Section 3.2 Indemnification. The Company hereby agrees to indemnify and hold the
Custodian harmless from and against all claims,  liabilities,  losses,  actions,
suits or proceedings at law or in equity, or any other expenses, fees or charges
of any  character  or nature,  which the  Custodian  may incur or with which the

<PAGE>

Custodian  may be  threatened  by reason of its acting as  custodian  under this
Agreement,  including  indemnification  of the  Custodian  against  any  and all
expenses,  including  attorney's  fees if  counsel  for the  Custodian  has been
approved  by the  Company,  and  the  cost  of  defending  any  action,  suit or
proceedings  or  resisting  any  claim.  Notwithstanding  the  foregoing,  it is
specifically  understood and agreed that in the event any such claim, liability,
loss, action, suit or proceeding or other expense, fee or charge shall have been
caused by reason of any  negligent  act,  negligent  failure  to act or  willful
misconduct  on the part of the  Custodian,  or which shall  constitute a willful
breach of its duties hereunder, the indemnification provisions of this Agreement
shall not apply.

Section 3.3 Custodian May Own  Certificates.  The Custodian 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 Custodian.

Section 3.4 Master  Servicer to Pay  Custodian's  Fees and Expenses.  The Master
Servicer covenants and agrees to pay to the Custodian from time to time, and the
Custodian  shall  be  entitled  to,  reasonable  compensation  for all  services
rendered by it in the exercise and  performance  of any of the powers and duties
hereunder of the  Custodian,  and the Master  Servicer will pay or reimburse the
Custodian  upon its  request  for all  reasonable  expenses,  disbursements  and
advances  incurred  or made  by the  Custodian  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), except any such expense,  disbursement or advance as may arise from
its negligence or bad faith.

Section 3.5 Custodian May Resign:  Trustee May Remove  Custodian.  The Custodian
may resign  from the  obligations  and  duties  hereby  imposed  upon it as such
obligations  and duties relate to its acting as Custodian of the Mortgage Loans.
Upon receiving such notice of resignation, the Trustee shall either take custody
of the Mortgage Files itself and give prompt notice thereof to the Company,  the
Master Servicer, the Insurer and the Custodian,  or promptly appoint a successor
Custodian by written  instrument,  in  duplicate,  one copy of which  instrument
shall be  delivered to the  resigning  Custodian  and one copy to the  successor
Custodian. If the Trustee shall not have taken custody of the Mortgage Files and
no  successor   Custodian  shall  have  been  so  appointed  and  have  accepted
appointment  within 30 days after the giving of such notice of resignation,  the
resigning  Custodian  may petition any court of competent  jurisdiction  for the
appointment of a successor Custodian.

               The Trustee may, with the written consent of the Insurer,  remove
the Custodian at any time. In such event, the Trustee shall appoint, or petition
a court of competent  jurisdiction to appoint, a successor Custodian  hereunder.
Any successor Custodian shall be a depository institution subject to supervision
or  examination  by federal or state  authority and shall be able to satisfy the
other  requirements  contained in Section 3.7 and shall be unaffiliated with the
Master Servicer or the Company.

        Any  resignation  or  removal  of the  Custodian  and  appointment  of a
successor  Custodian pursuant to any of the provisions of this Section 3.5 shall
become effective upon acceptance of appointment by the successor Custodian.  The
Trustee  shall give  prompt  notice to the  Company,  the Insurer and the Master

<PAGE>

Servicer of the appointment of any successor  Custodian.  No successor Custodian
shall be appointed by the Trustee without the prior approval of the Company, the
Insurer and the Master Servicer.

Section  3.6 Merger or  Consolidation  of  Custodian.  Any Person into which the
Custodian  may be merged or converted or with which it may be  consolidated,  or
any Person  resulting from any merger,  conversion or consolidation to which the
Custodian  shall be a party,  or any Person  succeeding  to the  business of the
Custodian,  shall be the  successor  of the  Custodian  hereunder,  without  the
execution  or filing of any paper or any  further  act on the part of any of the
parties hereto, anything herein to the contrary notwithstanding.

Section 3.7  Representations  of the Custodian.  The Custodian hereby represents
that it is a depository  institution  subject to supervision or examination by a
federal or state  authority,  has a  combined  capital  and  surplus of at least
$15,000,000  and is  qualified to do business in the  jurisdictions  in which it
will hold any Mortgage File.

                                   ARTICLE IV

                            Miscellaneous Provisions

Section 4.1  Notices.  All  notices,  requests,  consents  and demands and other
communications required under this Agreement or pursuant to any other instrument
or  document  delivered  hereunder  shall be in writing  and,  unless  otherwise
specifically provided, may be delivered personally,  by telegram or telex, or by
registered or certified mail, postage prepaid,  return receipt requested, at the
addresses  specified  on  the  signature  page  hereof  (unless  changed  by the
particular party whose address is stated herein by similar notice in writing) or
in Section  2.4 in the case of Ambac  Assurance  Corporation,  in which case the
notice will be deemed delivered when received.

Section 4.2  Amendments.  No  modification or amendment of or supplement to this
Agreement  shall be valid or effective  unless the same is in writing and signed
by all parties  hereto,  and neither the  Company,  the Master  Servicer nor the
Trustee shall enter into any amendment hereof except as permitted by the Pooling
Agreement.  The  Trustee  shall  give  prompt  notice  to the  Custodian  of any
amendment or supplement to the Pooling  Agreement and furnish the Custodian with
written copies thereof.

Section 4.3 GOVERNING LAW. THIS AGREEMENT  SHALL BE DEEMED A CONTRACT MADE UNDER
THE LAWS OF THE  STATE  OF NEW YORK AND  SHALL  BE  CONSTRUED  AND  ENFORCED  IN
ACCORDANCE WITH AND GOVERNED BY THE LAWS OF THE STATE OF NEW YORK.

Section 4.4 Recordation of Agreement. To the extent permitted by applicable law,
this Agreement is subject to recordation in all  appropriate  public offices for
real property records in all the counties or 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

<PAGE>

be  effected  by the Master  Servicer  and at its  expense on  direction  by the
Trustee (pursuant to the request of holders of Certificates evidencing undivided
interests  in the  aggregate  of not  less  than 25% of the  Trust  Fund) or the
Insurer, but only upon direction accompanied by an Opinion of Counsel reasonably
satisfactory  to the Master  Servicer  to the effect  that the failure to effect
such  recordation is likely to materially and adversely  affect the interests of
the Certificateholders or the Insurer.

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

Section 4.5  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.

<PAGE>

        IN WITNESS  WHEREOF,  this  Agreement  is  executed as of the date first
above written.

<TABLE>
<CAPTION>

<S>                                                     <C>
                                                      JPMORGAN CHASE BANK
Address:                                              as Trustee
4 New York Plaza - 6th Floor
New York, New York 10004
Attention: Residential Asset Mortgage                 By: _______________________________
           Products, Inc., Series 2003-RZ2            Name:_____________________
                                                      Title: ______________________
Address:                                              RESIDENTIAL ASSET MORTGAGE PRODUCTS, INC.
8400 Normandale Lake Boulevard
Suite 250
Minneapolis, Minnesota 55437
                                                      By: _______________________________
                                                      Name:_____________________
                                                      Title: ______________________
Address:                                              RESIDENTIAL FUNDING CORPORATION, as
                                                      Master Servicer.
8400 Normandale Lake Boulevard
Suite 250
Minneapolis, Minnesota 55437
                                                      By: _______________________________
                                                      Name:_____________________
                                                      Title: ______________________
Address:                                              WELLS FARGO BANK MINNESOTA, N. A.
Mortgage Document Custody
One Meridian Crossings - 3rd Floor
Richfield, Minnesota 55423
                                                      By: _______________________________
                                                      Name:_____________________
                                                      Title: ______________________

</TABLE>

<PAGE>

STATE OF NEW YORK            )
                                    )ss.:
COUNTY OF NEW YORK           )

        On the _____ day of _______________, 2003, before me, a notary public in
and for  said  State,  personally  appeared  _____________,  known to me to be a
___________ of JPMorgan Chase Bank, a 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.

                                              --------------------------------
                                                   Notary Public

[SEAL]

<PAGE>

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

        On the _____ day of _______________, 2003, before me, a notary public in
and for said State, personally appeared ___________________, known to me to be a
_________________  of  Residential  Asset  Mortgage  Products,  Inc., one of the
corporations that executed the within instrument, and also known to me to be the
person who executed it on behalf of said  corporation,  and  acknowledged  to me
that such corporation executed the within instrument.

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

                                              --------------------------------
                                                   Notary Public

[Notorial Seal]

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

        On the _____ day of _______________, 2003, before me, a notary public in
and for said State, personally appeared ___________________, known to me to be a
_________________  of Residential Funding  Corporation,  one of the corporations
that executed the within  instrument,  and also known to me to be the person who
executed  it on behalf of said  corporation,  and  acknowledged  to me that such
corporation executed the within instrument.

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

                                                 -------------------------------
                                                     Notary Public

[Notorial Seal]

<PAGE>

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

        On the On the _____ day of  _______________,  2003,  before me, a notary
public in and for said State, personally appeared ___________________,  known to
me to be a  _________________  of Wells Fargo Bank  Minnesota,  N.A., one of the
corporations that executed the within instrument, and also known to me to be the
person who executed it on behalf of said  corporation,  and  acknowledged  to me
that such corporation executed the within instrument.

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

                                              --------------------------------
                                                   Notary Public

<PAGE>

                                   EXHIBIT ONE

                                FORM OF CUSTODIAN
                              INITIAL CERTIFICATION

                                                   April 2, 2003

JPMorgan Chase Bank
4 New York Plaza, 6th Floor
New York, New York 10004

Ambac Assurance Corporation
One State Street Plaza, 19th Floor
New York, New York 10004

Attention: Residential Asset Mortgage Products, Inc., Series 2003-RZ2

          Re:  Custodial  Agreement,  dated as of March 1,  2003,  by and  among
               JPMorgan Chase Bank,  Residential Asset Mortgage Products,  Inc.,
               Residential  Funding  Corporation and Wells Fargo Bank Minnesota,
               N.   A.,   relating   to   Mortgage   Asset-Backed   Pass-Through
               Certificates, Series 2002- RZ3

Ladies and Gentlemen:

               In accordance with Section 2.3 of the  above-captioned  Custodial
Agreement,   and  subject  to  Section  2.02  of  the  Pooling  Agreement,   the
undersigned, as Custodian, hereby certifies that it has received a Mortgage File
(which  contains an original  Mortgage Note or an original  lost note  affidavit
with a copy of the  related  Mortgage  Note) to the extent  required  in Section
2.01(b) of the Pooling  Agreement  with respect to each  Mortgage Loan listed in
the Mortgage Loan Schedule,  with any  exceptions  listed on Schedule A attached
hereto.

               Capitalized   words  and  phrases  used  herein  shall  have  the
respective meanings assigned to them in the above-captioned Custodial Agreement.

                                            WELLS FARGO BANK MINNESOTA,
                                                  N. A.

                                            By: _______________________________
                                            Name: _____________________________
                                            Title: ____________________________

<PAGE>

                                   EXHIBIT TWO

                     FORM OF CUSTODIAN INTERIM CERTIFICATION

                                                   [date]

JPMorgan Chase Bank
4 New York Plaza, 6th Floor
New York, New York 10004

Ambac Assurance Corporation
One State Street Plaza, 19th Floor
New York, New York 10004

Attention: Residential Asset Mortgage Products, Inc., Series 2003-RZ2

          Re:  Custodial  Agreement,  dated as of March 1,  2003,  by and  among
               JPMorgan Chase Bank,  Residential Asset Mortgage Products,  Inc.,
               Residential  Funding  Corporation and Wells Fargo Bank Minnesota,
               N.   A.,   relating   to   Mortgage   Asset-Backed   Pass-Through
               Certificates Series 2003-RZ2

Ladies and Gentlemen:

               In accordance with Section 2.3 of the  above-captioned  Custodial
Agreement, the undersigned,  as Custodian, hereby certifies that it has received
a  Mortgage  File to the extent  required  pursuant  to  Section  2.01(b) of the
Pooling Agreement with respect to each Mortgage Loan listed in the Mortgage Loan
Schedule,  and it has reviewed the Mortgage  File and the Mortgage Loan Schedule
and has determined that: all required  documents have been executed and received
and that such documents  relate to the Mortgage Loans identified on the Mortgage
Loan Schedule, with any exceptions listed on Schedule A attached hereto.

               Capitalized   words  and  phrases  used  herein  shall  have  the
respective meanings assigned to them in the above-captioned Custodial Agreement.

                                            WELLS FARGO BANK MINNESOTA, N. A.

                                            By: _______________________________
                                            Name: _____________________________
                                            Title: ____________________________

<PAGE>

                                  EXHIBIT THREE

                      FORM OF CUSTODIAN FINAL CERTIFICATION

                                                   [date]

JPMorgan Chase Bank
4 New York Plaza, 6th Floor
New York, New York 10004

Ambac Assurance Corporation
One State Street Plaza, 19th Floor
New York, New York 10004

Attention: Residential Asset Mortgage Products, Inc., Series 2003-RZ2

          Re:  Custodial  Agreement,  dated as of March 1,  2003,  by and  among
               JPMorgan Chase Bank,  Residential Asset Mortgage Products,  Inc.,
               Residential  Funding  Corporation and Wells Fargo Bank Minnesota,
               N.   A.,   relating   to   Mortgage   Asset-Backed   Pass-Through
               Certificates, Series 2003-RZ2

Ladies and Gentlemen:

               In accordance with Section 2.3 of the  above-captioned  Custodial
Agreement, the undersigned,  as Custodian, hereby certifies that it has received
a Mortgage  File with respect to each  Mortgage Loan listed in the Mortgage Loan
Schedule and it has reviewed the Mortgage  File and the Mortgage  Loan  Schedule
and has determined that: all required  documents  referred to in Section 2.01(b)
of the Pooling Agreement have been executed and received and that such documents
relate to the Mortgage Loans identified on the Mortgage Loan Schedule.

               Capitalized   words  and  phrases  used  herein  shall  have  the
respective meanings assigned to them in the above-captioned Custodial Agreement.

                                            WELLS FARGO BANK MINNESOTA, N. A.

                                            By: _______________________________
                                            Name: _____________________________
                                            Title: ____________________________

<PAGE>

                                  EXHIBIT FOUR

                           FORM 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 F

                             MORTGAGE LOAN SCHEDULE

  RUN ON     : 03/17/03           RFC DISCLOSURE SYSTEM       RFFSDFIX-01
  AT         : 12.00.19           FIXED PASSTHRU REPORT       AMORTIZED BALANCE
  SERIES     : RAMP 2003-RZ2                                  CUTOFF : 03/01/03
  POOL       : 0004673
             :
             :
  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
  -------------------------------------------------------------------------

      6491338                              .2500
      105,068.96                          .0500
            8.3750                         .0000
            8.1250                         .0000
            8.0750                         .0000
            8.0750                         .0000

      7245937                              .2500
      132,801.41                          .0500
            9.3750                         .0000
            9.1250                         .0000
            9.0750                         .0000
            9.0750                         .0000

      7742831                              .2500
      146,652.96                          .0500
            7.3750                         .0000
            7.1250                         .0000
            7.0750                         .0000
            7.0750                         .0000

      7893737                              .2500
       77,657.08                          .0500
            8.5000                         .0000
            8.2500                         .0000
            8.2000                         .0000
            8.2000                         .0000

      7938071                              .2500
       39,923.19                          .0500
            8.5000                         .0000
            8.2500                         .0000
            8.2000                         .0000
            8.2000                         .0000

      7949851                              .2500
      279,624.63                          .0500
            7.6250                         .0000
            7.3750                         .0000
            7.3250                         .0000
            7.3250                         .0000
1

      7961779                              .2500
       42,560.07                          .0500
            8.3750                         .0000
            8.1250                         .0000
            8.0750                         .0000
            8.0750                         .0000

      7967349                              .2500
      230,892.56                          .0500
            8.5000                         .0000
            8.2500                         .0000
            8.2000                         .0000
            8.2000                         .0000

      7995073                              .2500
      113,431.12                          .0500
            7.0000                         .0000
            6.7500                         .0000
            6.7000                         .0000
            6.7000                         .0000

      7997623                              .2500
      140,935.18                          .0500
            8.1250                         .0000
            7.8750                         .0000
            7.8250                         .0000
            7.8250                         .0000

      8025501                              .5000
      155,601.10                          .0500
            8.8750                         .0000
            8.3750                         .0000
            8.3250                         .0000
            8.3250                         .0000

      8029665                              .2500
      202,684.93                          .0500
            8.7500                         .0000
            8.5000                         .0000
            8.4500                         .0000
            8.4500                         .0000

      8033577                              .2500
      189,301.52                          .0500
            8.3750                         .0000
            8.1250                         .0000
            8.0750                         .0000
            8.0750                         .0000

      8053567                              .2500
      204,303.01                          .0500
            8.0000                         .0000
            7.7500                         .0000
            7.7000                         .0000
            7.7000                         .0000
1

      8058155                              .2500
      184,936.73                          .0500
            9.5000                         .0000
            9.2500                         .0000
            9.2000                         .0000
            9.2000                         .0000

      8066183                              .2500
       66,285.06                          .0500
            8.2500                         .0000
            8.0000                         .0000
            7.9500                         .0000
            7.9500                         .0000

      8069035                              .5000
      212,371.29                          .0500
           10.0000                         .0000
            9.5000                         .0000
            9.4500                         .0000
            9.4500                         .0000

      8094175                              .2500
      109,702.80                          .0500
            9.1250                         .0000
            8.8750                         .0000
            8.8250                         .0000
            8.8250                         .0000

      8099873                              .2500
      176,202.90                          .0500
            7.3750                         .0000
            7.1250                         .0000
            7.0750                         .0000
            7.0750                         .0000

      8108955                              .2500
       70,365.27                          .0500
            8.6250                         .0000
            8.3750                         .0000
            8.3250                         .0000
            8.3250                         .0000

      8110783                              .2500
      113,553.66                          .0500
            9.5000                         .0000
            9.2500                         .0000
            9.2000                         .0000
            9.2000                         .0000

      8111663                              .2500
       79,803.28                          .0500
            9.1250                         .0000
            8.8750                         .0000
            8.8250                         .0000
            8.8250                         .0000
1

      8116191                              .2500
      137,620.15                          .0500
            7.3750                         .0000
            7.1250                         .0000
            7.0750                         .0000
            7.0750                         .0000

      8125701                              .2500
       71,848.60                          .0500
            7.8750                         .0000
            7.6250                         .0000
            7.5750                         .0000
            7.5750                         .0000

      8140035                              .2500
      121,783.76                          .0500
            7.5000                         .0000
            7.2500                         .0000
            7.2000                         .0000
            7.2000                         .0000

      8140455                              .2500
       64,128.99                          .0500
            9.2000                         .0000
            8.9500                         .0000
            8.9000                         .0000
            8.9000                         .0000

      8143221                              .2500
      120,087.56                          .0500
            6.8750                         .0000
            6.6250                         .0000
            6.5750                         .0000
            6.5750                         .0000

      8150901                              .2500
      184,823.40                          .0500
            7.3130                         .0000
            7.0630                         .0000
            7.0130                         .0000
            7.0130                         .0000

      8161215                              .2500
      204,338.41                          .0500
            7.1250                         .0000
            6.8750                         .0000
            6.8250                         .0000
            6.8250                         .0000

      8161779                              .5000
      117,628.44                          .0500
            7.2500                         .0000
            6.7500                         .0000
            6.7000                         .0000
            6.7000                         .0000
1

      8162655                              .2500
      178,275.71                          .0500
            7.1250                         .0000
            6.8750                         .0000
            6.8250                         .0000
            6.8250                         .0000

      8162983                              .2500
      122,048.59                          .0500
            7.5000                         .0000
            7.2500                         .0000
            7.2000                         .0000
            7.2000                         .0000

      8168855                              .2500
       94,700.86                          .0500
            7.2500                         .0000
            7.0000                         .0000
            6.9500                         .0000
            6.9500                         .0000

      8181651                              .2500
      219,511.24                          .0500
            7.0000                         .0000
            6.7500                         .0000
            6.7000                         .0000
            6.7000                         .0000

      8184933                              .2500
      121,685.58                          .0500
            8.2500                         .0000
            8.0000                         .0000
            7.9500                         .0000
            7.9500                         .0000

      8185499                              .2500
      179,492.06                          .0500
            8.8750                         .0000
            8.6250                         .0000
            8.5750                         .0000
            8.5750                         .0000

      8188193                              .2500
       77,790.02                          .0500
            7.1250                         .0000
            6.8750                         .0000
            6.8250                         .0000
            6.8250                         .0000

      8193295                              .2500
       86,704.10                          .0500
            7.5000                         .0000
            7.2500                         .0000
            7.2000                         .0000
            7.2000                         .0000
1

      8195537                              .2500
      290,331.64                          .0500
            7.3750                         .0000
            7.1250                         .0000
            7.0750                         .0000
            7.0750                         .0000

      8196229                              .2500
       92,240.93                          .0500
            9.0000                         .0000
            8.7500                         .0000
            8.7000                         .0000
            8.7000                         .0000

      8202081                              .2500
      213,288.77                          .0500
            7.3750                         .0000
            7.1250                         .0000
            7.0750                         .0000
            7.0750                         .0000

      8202537                              .2500
       90,300.31                          .0500
            7.0000                         .0000
            6.7500                         .0000
            6.7000                         .0000
            6.7000                         .0000

      8203697                              .2500
      162,497.34                          .0500
            6.8750                         .0000
            6.6250                         .0000
            6.5750                         .0000
            6.5750                         .0000

      8207625                              .2500
       87,923.44                          .0500
            7.0000                         .0000
            6.7500                         .0000
            6.7000                         .0000
            6.7000                         .0000

      8209653                              .2500
       75,842.04                          .0500
            7.8750                         .0000
            7.6250                         .0000
            7.5750                         .0000
            7.5750                         .0000

      8210643                              .2500
      190,847.09                          .0500
            8.2500                         .0000
            8.0000                         .0000
            7.9500                         .0000
            7.9500                         .0000
1

      8210931                              .2500
       66,786.02                          .0500
            8.5000                         .0000
            8.2500                         .0000
            8.2000                         .0000
            8.2000                         .0000

      8214551                              .2500
      231,321.89                          .0500
            7.6250                         .0000
            7.3750                         .0000
            7.3250                         .0000
            7.3250                         .0000

      8217579                              .2500
      139,494.68                          .0500
            7.1250                         .0000
            6.8750                         .0000
            6.8250                         .0000
            6.8250                         .0000

      8218357                              .5000
       92,546.94                          .0500
            9.0000                         .0000
            8.5000                         .0000
            8.4500                         .0000
            8.4500                         .0000

      8218363                              .2500
      218,533.31                          .0500
            7.7500                         .0000
            7.5000                         .0000
            7.4500                         .0000
            7.4500                         .0000

      8218785                              .2500
       82,238.46                          .0500
            7.2500                         .0000
            7.0000                         .0000
            6.9500                         .0000
            6.9500                         .0000

      8220487                              .2500
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            7.0750                         .0000
1

      8450123                              .2500
       62,700.00                          .0500
            8.2500                         .0000
            8.0000                         .0000
            7.9500                         .0000
            7.9500                         .0000

      8450251                              .2500
      174,230.00                          .0500
            8.0000                         .0000
            7.7500                         .0000
            7.7000                         .0000
            7.7000                         .0000

      8450253                              .2500
      157,590.00                          .0500
            8.8750                         .0000
            8.6250                         .0000
            8.5750                         .0000
            8.5750                         .0000

      8450799                              .2500
       67,600.00                          .0500
            7.8750                         .0000
            7.6250                         .0000
            7.5750                         .0000
            7.5750                         .0000

      8451133                              .2500
       58,850.00                          .0500
            7.5000                         .0000
            7.2500                         .0000
            7.2000                         .0000
            7.2000                         .0000

      8451305                              .2500
       69,900.00                          .0500
            9.0000                         .0000
            8.7500                         .0000
            8.7000                         .0000
            8.7000                         .0000

      8451315                              .2500
      140,500.00                          .0500
            7.3750                         .0000
            7.1250                         .0000
            7.0750                         .0000
            7.0750                         .0000

      8451349                              .2500
      123,050.00                          .0500
            7.1250                         .0000
            6.8750                         .0000
            6.8250                         .0000
            6.8250                         .0000
1

      8451417                              .2500
      118,250.00                          .0500
            7.8750                         .0000
            7.6250                         .0000
            7.5750                         .0000
            7.5750                         .0000

      8451429                              .2500
      225,844.47                          .0500
            7.8750                         .0000
            7.6250                         .0000
            7.5750                         .0000
            7.5750                         .0000

      8451455                              .2500
      176,443.04                          .0500
            8.5000                         .0000
            8.2500                         .0000
            8.2000                         .0000
            8.2000                         .0000

      8451457                              .2500
      163,000.00                          .0500
            8.3750                         .0000
            8.1250                         .0000
            8.0750                         .0000
            8.0750                         .0000

      8451467                              .2500
      242,780.52                          .0500
            9.5000                         .0000
            9.2500                         .0000
            9.2000                         .0000
            9.2000                         .0000

      8451471                              .2500
       90,842.04                          .0500
            8.2500                         .0000
            8.0000                         .0000
            7.9500                         .0000
            7.9500                         .0000

      8451485                              .2500
      139,006.47                          .0500
            7.9900                         .0000
            7.7400                         .0000
            7.6900                         .0000
            7.6900                         .0000

      8451533                              .2500
       63,850.00                          .0500
            7.2500                         .0000
            7.0000                         .0000
            6.9500                         .0000
            6.9500                         .0000
1

      8451541                              .2500
      235,000.00                          .0500
            7.5000                         .0000
            7.2500                         .0000
            7.2000                         .0000
            7.2000                         .0000

      8451649                              .2500
      176,550.00                          .0500
            7.3750                         .0000
            7.1250                         .0000
            7.0750                         .0000
            7.0750                         .0000

      8451699                              .2500
      219,852.39                          .0500
            8.0000                         .0000
            7.7500                         .0000
            7.7000                         .0000
            7.7000                         .0000

      8451705                              .2500
      214,000.00                          .0500
            7.5000                         .0000
            7.2500                         .0000
            7.2000                         .0000
            7.2000                         .0000

      8451731                              .2500
      157,377.13                          .0500
            7.2500                         .0000
            7.0000                         .0000
            6.9500                         .0000
            6.9500                         .0000

      8451733                              .2500
      272,950.00                          .0500
            8.5000                         .0000
            8.2500                         .0000
            8.2000                         .0000
            8.2000                         .0000

      8451735                              .2500
       67,151.36                          .0500
            7.6250                         .0000
            7.3750                         .0000
            7.3250                         .0000
            7.3250                         .0000

      8451745                              .2500
      251,039.81                          .0500
            8.2500                         .0000
            8.0000                         .0000
            7.9500                         .0000
            7.9500                         .0000
1

      8451751                              .2500
      121,500.00                          .0500
            7.5000                         .0000
            7.2500                         .0000
            7.2000                         .0000
            7.2000                         .0000

      8451757                              .2500
      231,569.21                          .0500
            7.2500                         .0000
            7.0000                         .0000
            6.9500                         .0000
            6.9500                         .0000

      8451775                              .2500
      131,500.00                          .0500
            7.3750                         .0000
            7.1250                         .0000
            7.0750                         .0000
            7.0750                         .0000

      8451789                              .2500
      239,751.69                          .0500
            7.0000                         .0000
            6.7500                         .0000
            6.7000                         .0000
            6.7000                         .0000

      8452245                              .2500
       66,300.00                          .0500
            7.8750                         .0000
            7.6250                         .0000
            7.5750                         .0000
            7.5750                         .0000

      8453021                              .2500
      113,000.00                          .0500
            8.6250                         .0000
            8.3750                         .0000
            8.3250                         .0000
            8.3250                         .0000

      8453107                              .2500
      122,844.00                          .0500
            8.2500                         .0000
            8.0000                         .0000
            7.9500                         .0000
            7.9500                         .0000

      8453137                              .2500
       55,955.00                          .0500
            7.6250                         .0000
            7.3750                         .0000
            7.3250                         .0000
            7.3250                         .0000
1

      8454147                              .2500
       91,567.00                          .0500
            9.0000                         .0000
            8.7500                         .0000
            8.7000                         .0000
            8.7000                         .0000

      8454177                              .2500
      299,600.00                          .0500
            7.8750                         .0000
            7.6250                         .0000
            7.5750                         .0000
            7.5750                         .0000

      8454179                              .2500
      110,200.00                          .0500
            7.5000                         .0000
            7.2500                         .0000
            7.2000                         .0000
            7.2000                         .0000

      8454183                              .2500
      216,000.00                          .0500
            7.3750                         .0000
            7.1250                         .0000
            7.0750                         .0000
            7.0750                         .0000

      8454219                              .2500
      293,550.00                          .0500
            6.7500                         .0000
            6.5000                         .0000
            6.4500                         .0000
            6.4500                         .0000

      8454257                              .2500
      114,000.00                          .0500
            7.8750                         .0000
            7.6250                         .0000
            7.5750                         .0000
            7.5750                         .0000

      8454269                              .2500
      113,500.00                          .0500
            7.8750                         .0000
            7.6250                         .0000
            7.5750                         .0000
            7.5750                         .0000

      8454279                              .2500
      147,200.00                          .0500
            8.8750                         .0000
            8.6250                         .0000
            8.5750                         .0000
            8.5750                         .0000
1

      8454415                              .2500
      106,575.00                          .0500
            6.7500                         .0000
            6.5000                         .0000
            6.4500                         .0000
            6.4500                         .0000

      8454739                              .2500
      128,750.00                          .0500
            8.6250                         .0000
            8.3750                         .0000
            8.3250                         .0000
            8.3250                         .0000

      8454937                              .2500
       44,000.00                          .0500
            8.2500                         .0000
            8.0000                         .0000
            7.9500                         .0000
            7.9500                         .0000

      8455027                              .2500
      160,250.00                          .0500
            7.6250                         .0000
            7.3750                         .0000
            7.3250                         .0000
            7.3250                         .0000

      8455575                              .2500
      225,255.72                          .0500
            7.1250                         .0000
            6.8750                         .0000
            6.8250                         .0000
            6.8250                         .0000

      8456531                              .2500
      174,585.00                          .0500
            7.5000                         .0000
            7.2500                         .0000
            7.2000                         .0000
            7.2000                         .0000

      8456641                              .2500
      112,000.00                          .0500
            7.2500                         .0000
            7.0000                         .0000
            6.9500                         .0000
            6.9500                         .0000

      8456661                              .2500
       80,107.82                          .0500
            8.0000                         .0000
            7.7500                         .0000
            7.7000                         .0000
            7.7000                         .0000
1

      8456781                              .2500
      132,000.00                          .0500
            7.0000                         .0000
            6.7500                         .0000
            6.7000                         .0000
            6.7000                         .0000

      8458827                              .5000
       80,250.00                          .0500
            7.7500                         .0000
            7.2500                         .0000
            7.2000                         .0000
            7.2000                         .0000

      8458861                              .5000
       88,500.00                          .0500
            9.2500                         .0000
            8.7500                         .0000
            8.7000                         .0000
            8.7000                         .0000

      8458989                              .5000
      131,100.00                          .0500
            8.3750                         .0000
            7.8750                         .0000
            7.8250                         .0000
            7.8250                         .0000

      8459069                              .2500
       23,655.00                          .0500
            8.0000                         .0000
            7.7500                         .0000
            7.7000                         .0000
            7.7000                         .0000

      8459307                              .2500
      155,000.00                          .0500
            7.6250                         .0000
            7.3750                         .0000
            7.3250                         .0000
            7.3250                         .0000

      8459315                              .5000
       91,400.00                          .0500
            7.6250                         .0000
            7.1250                         .0000
            7.0750                         .0000
            7.0750                         .0000

      8459367                              .2500
      112,000.00                          .0500
            7.5000                         .0000
            7.2500                         .0000
            7.2000                         .0000
            7.2000                         .0000
1

      8459869                              .2500
      207,000.00                          .0500
            8.3750                         .0000
            8.1250                         .0000
            8.0750                         .0000
            8.0750                         .0000

      8460853                              .2500
      199,000.00                          .0500
            7.5000                         .0000
            7.2500                         .0000
            7.2000                         .0000
            7.2000                         .0000

      8460915                              .2500
       83,453.19                          .0500
            8.8750                         .0000
            8.6250                         .0000
            8.5750                         .0000
            8.5750                         .0000

      8460983                              .2500
      207,200.00                          .0500
            7.6250                         .0000
            7.3750                         .0000
            7.3250                         .0000
            7.3250                         .0000

      8461003                              .2500
       79,200.00                          .0500
            7.7500                         .0000
            7.5000                         .0000
            7.4500                         .0000
            7.4500                         .0000

      8461219                              .2500
       94,500.00                          .0500
            7.5000                         .0000
            7.2500                         .0000
            7.2000                         .0000
            7.2000                         .0000

      8461235                              .2500
      123,000.00                          .0500
            7.8750                         .0000
            7.6250                         .0000
            7.5750                         .0000
            7.5750                         .0000

      8461295                              .2500
      140,675.00                          .0500
            7.6250                         .0000
            7.3750                         .0000
            7.3250                         .0000
            7.3250                         .0000
1

      8461309                              .2500
      125,000.00                          .0500
            8.5000                         .0000
            8.2500                         .0000
            8.2000                         .0000
            8.2000                         .0000

      8461465                              .2500
      114,000.00                          .0500
            7.0000                         .0000
            6.7500                         .0000
            6.7000                         .0000
            6.7000                         .0000

      8461481                              .2500
      112,550.00                          .0500
            7.8750                         .0000
            7.6250                         .0000
            7.5750                         .0000
            7.5750                         .0000

      8461505                              .2500
      214,500.00                          .0500
            7.8750                         .0000
            7.6250                         .0000
            7.5750                         .0000
            7.5750                         .0000

      8461621                              .2500
       83,500.00                          .0500
            7.0000                         .0000
            6.7500                         .0000
            6.7000                         .0000
            6.7000                         .0000

      8461627                              .2500
       79,200.00                          .0500
            8.5000                         .0000
            8.2500                         .0000
            8.2000                         .0000
            8.2000                         .0000

      8461665                              .2500
       94,500.00                          .0500
            7.8750                         .0000
            7.6250                         .0000
            7.5750                         .0000
            7.5750                         .0000

      8461699                              .2500
      179,200.00                          .0500
            7.3750                         .0000
            7.1250                         .0000
            7.0750                         .0000
            7.0750                         .0000
1

      8461709                              .2500
       50,470.00                          .0500
            8.8750                         .0000
            8.6250                         .0000
            8.5750                         .0000
            8.5750                         .0000

      8462363                              .2500
       83,000.00                          .0500
            8.0000                         .0000
            7.7500                         .0000
            7.7000                         .0000
            7.7000                         .0000

      8464585                              .2500
      174,000.00                          .0500
            9.0000                         .0000
            8.7500                         .0000
            8.7000                         .0000
            8.7000                         .0000

      8464601                              .2500
      159,390.00                          .0500
            8.6250                         .0000
            8.3750                         .0000
            8.3250                         .0000
            8.3250                         .0000

      8464639                              .2500
      106,000.00                          .0500
            8.7500                         .0000
            8.5000                         .0000
            8.4500                         .0000
            8.4500                         .0000

      8464651                              .5000
      106,500.00                          .0500
            7.5000                         .0000
            7.0000                         .0000
            6.9500                         .0000
            6.9500                         .0000

      8464737                              .2500
      109,600.00                          .0500
            8.1250                         .0000
            7.8750                         .0000
            7.8250                         .0000
            7.8250                         .0000

      8464783                              .2500
      134,900.00                          .0500
            8.5000                         .0000
            8.2500                         .0000
            8.2000                         .0000
            8.2000                         .0000
1

      8464785                              .5000
      113,420.00                          .0500
            7.6250                         .0000
            7.1250                         .0000
            7.0750                         .0000
            7.0750                         .0000

      8465197                              .2500
      346,729.31                          .0500
            7.2500                         .0000
            7.0000                         .0000
            6.9500                         .0000
            6.9500                         .0000

      8465357                              .2500
      304,000.00                          .0500
            7.3750                         .0000
            7.1250                         .0000
            7.0750                         .0000
            7.0750                         .0000

      8465811                              .2500
      119,500.00                          .0500
            7.7500                         .0000
            7.5000                         .0000
            7.4500                         .0000
            7.4500                         .0000

      8465827                              .2500
      144,343.00                          .0500
            7.5000                         .0000
            7.2500                         .0000
            7.2000                         .0000
            7.2000                         .0000

      8465895                              .2500
      148,100.00                          .0500
            8.2500                         .0000
            8.0000                         .0000
            7.9500                         .0000
            7.9500                         .0000

      8465901                              .2500
      127,700.00                          .0500
            8.2500                         .0000
            8.0000                         .0000
            7.9500                         .0000
            7.9500                         .0000

      8465909                              .2500
      242,000.00                          .0500
            7.5000                         .0000
            7.2500                         .0000
            7.2000                         .0000
            7.2000                         .0000
1

      8465927                              .2500
      154,382.43                          .0500
            7.3750                         .0000
            7.1250                         .0000
            7.0750                         .0000
            7.0750                         .0000

      8465947                              .2500
      184,370.00                          .0500
            7.5000                         .0000
            7.2500                         .0000
            7.2000                         .0000
            7.2000                         .0000

      8465959                              .2500
       90,900.00                          .0500
            8.0000                         .0000
            7.7500                         .0000
            7.7000                         .0000
            7.7000                         .0000

      8466023                              .2500
      262,650.00                          .0500
            6.8750                         .0000
            6.6250                         .0000
            6.5750                         .0000
            6.5750                         .0000

      8466117                              .2500
      222,567.41                          .0500
            7.0000                         .0000
            6.7500                         .0000
            6.7000                         .0000
            6.7000                         .0000

      8467113                              .2500
       56,050.00                          .0500
            8.3750                         .0000
            8.1250                         .0000
            8.0750                         .0000
            8.0750                         .0000

      8467271                              .2500
      298,200.00                          .0500
            7.3750                         .0000
            7.1250                         .0000
            7.0750                         .0000
            7.0750                         .0000

      8467315                              .2500
      185,800.00                          .0500
            7.8750                         .0000
            7.6250                         .0000
            7.5750                         .0000
            7.5750                         .0000
1

      8467337                              .5000
      176,550.00                          .0500
            8.5000                         .0000
            8.0000                         .0000
            7.9500                         .0000
            7.9500                         .0000

      8467659                              .2500
      234,000.00                          .0500
            7.2500                         .0000
            7.0000                         .0000
            6.9500                         .0000
            6.9500                         .0000

      8467673                              .2500
       73,000.00                          .0500
            7.8750                         .0000
            7.6250                         .0000
            7.5750                         .0000
            7.5750                         .0000

      8467679                              .2500
      331,400.00                          .0500
            7.5000                         .0000
            7.2500                         .0000
            7.2000                         .0000
            7.2000                         .0000

      8467709                              .2500
      145,500.00                          .0500
            7.7500                         .0000
            7.5000                         .0000
            7.4500                         .0000
            7.4500                         .0000

      8467733                              .2500
      138,030.00                          .0500
            8.6250                         .0000
            8.3750                         .0000
            8.3250                         .0000
            8.3250                         .0000

      8472331                              .2500
      162,000.00                          .0500
            7.1250                         .0000
            6.8750                         .0000
            6.8250                         .0000
            6.8250                         .0000

      8472491                              .2500
      115,298.61                          .0500
            9.1250                         .0000
            8.8750                         .0000
            8.8250                         .0000
            8.8250                         .0000
1

      8473003                              .2500
       74,635.26                          .0500
            9.1250                         .0000
            8.8750                         .0000
            8.8250                         .0000
            8.8250                         .0000

      8473225                              .5000
      125,000.00                          .0500
            7.5000                         .0000
            7.0000                         .0000
            6.9500                         .0000
            6.9500                         .0000

      8473233                              .5000
       90,250.00                          .0500
            7.5000                         .0000
            7.0000                         .0000
            6.9500                         .0000
            6.9500                         .0000

      8473419                              .2500
      339,950.00                          .0500
            8.6250                         .0000
            8.3750                         .0000
            8.3250                         .0000
            8.3250                         .0000

      8473633                              .2500
      292,850.00                          .0500
            7.5000                         .0000
            7.2500                         .0000
            7.2000                         .0000
            7.2000                         .0000

      8473777                              .2500
      146,486.54                          .0500
            7.7500                         .0000
            7.5000                         .0000
            7.4500                         .0000
            7.4500                         .0000

      8473861                              .2500
      112,000.00                          .0500
            8.8750                         .0000
            8.6250                         .0000
            8.5750                         .0000
            8.5750                         .0000

      8473865                              .2500
      159,600.00                          .0500
            8.6250                         .0000
            8.3750                         .0000
            8.3250                         .0000
            8.3250                         .0000
1

      8474057                              .2500
      143,273.00                          .0500
            7.2500                         .0000
            7.0000                         .0000
            6.9500                         .0000
            6.9500                         .0000

      8475407                              .5000
      331,500.00                          .0500
            6.8750                         .0000
            6.3750                         .0000
            6.3250                         .0000
            6.3250                         .0000

      8475977                              .2500
      138,565.00                          .0500
            7.7500                         .0000
            7.5000                         .0000
            7.4500                         .0000
            7.4500                         .0000

      8476253                              .2500
      133,900.00                          .0500
            8.0000                         .0000
            7.7500                         .0000
            7.7000                         .0000
            7.7000                         .0000

      8476741                              .2500
      101,770.00                          .0500
            7.5000                         .0000
            7.2500                         .0000
            7.2000                         .0000
            7.2000                         .0000

      8477217                              .2500
      145,000.00                          .0500
            8.0000                         .0000
            7.7500                         .0000
            7.7000                         .0000
            7.7000                         .0000

  TOTAL NUMBER OF LOANS:     2124
  TOTAL BALANCE........:        325,000,022.61

  RUN ON     : 03/17/03            RFC DISCLOSURE SYSTEM      RFFSDFIX-01
  AT         : 12.00.19            INITIAL SECURITY FEES      AMORTIZED BALANCE
  SERIES     : RAMP 2003-RZ2        FIXED SUMMARY REPORT      CUTOFF : 03/01/03
  POOL       : 0004673
             :
             :
  POOL STATUS: F

                                   WEIGHTED AVERAGES      FROM         TO
  ----------------------------------------------------------------------------
  CURR NOTE RATE                        8.1060            6.4380     11.5000
  RFC NET RATE                          7.8253            6.1880     11.0000
  NET MTG RATE(INVSTR RATE)             7.7753            6.1380     10.9500
  POST STRIP RATE                       7.7753            6.1380     10.9500
  SUB SERV FEE                           .2807             .2500       .5000
  MSTR SERV FEE                          .0500             .0500        .0500
  ALL EXP                                .0000             .0000       .0000
  MISC EXP                               .0000             .0000       .0000
  SPREAD                                 .0000             .0000       .0000
  STRIP                                  .0000             .0000       .0000

  TOTAL NUMBER OF LOANS:  2124
  TOTAL BALANCE........:     325,000,022.61

                             ***************************
                             *      END OF REPORT      *
                             ***************************
  RUN ON     : 03/17/03           RFC DISCLOSURE SYSTEM       RFFSD177-01
  AT         : 12.00.19          FIXED RATE LOAN LISTING      AMORTIZED BALANCE
  SERIES     : RAMP 2003-RZ2                                  CUTOFF : 03/01/03
  POOL       : 0004673
             :
             :
  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 #
  ______________________________________________________________________________

    6491338          E45/G01             F          106,150.00         ZZ
                                         360        105,068.96          1
                                       8.375            806.82        106
                                       8.125            806.82
    ORLANDO          FL   32807          1            11/20/01         23
    0433604121                           05           01/01/02          0
    175698                               O            12/01/31
    0

    7245937          E22/G01             F          133,900.00         ZZ
                                         360        132,801.41          1
                                       9.375          1,113.71        103
                                       9.125          1,113.71
    CHICAGO          IL   60644          1            04/02/02         23
    0413625765                           05           05/01/02          0
    0413625765                           O            04/01/32
    0

    7742831          642/G02             F          151,000.00         ZZ
                                         180        146,652.96          1
                                       7.375          1,389.08        100
                                       7.125          1,389.08
    CORTEZ           CO   81321          2            05/29/02         23
    0434092615                           05           07/01/02          0
    05165002                             O            06/01/17
    0

    7893737          E84/G01             F           78,000.00         ZZ
                                         360         77,657.08          1
                                       8.500            599.75        100
                                       8.250            599.75
    ROCKFORD         IL   61103          1            07/19/02         23
    0434785887                           05           09/01/02          0
1

    11505929                             O            08/01/32
    0

    7938071          E22/G01             F           40,170.00         ZZ
                                         360         39,923.19          1
                                       8.500            308.87        103
                                       8.250            308.87
    BUFFALO CENTER   IA   50424          5            08/05/02         23
    0414526723                           05           10/01/02          0
    0414526723                           O            09/01/32
    0

    7949851          R17/G01             F          285,800.00         ZZ
                                         360        279,624.63          1
                                       7.625          2,022.87        105
                                       7.375          2,022.87
    EL CAJON         CA   92109          1            07/26/02         23
    0434763306                           09           09/01/02          0
    1000128891                           O            08/01/32
    0

    7961779          737/G01             F           42,750.00         ZZ
                                         360         42,560.07          1
                                       8.375            324.93         74
                                       8.125            324.93
    CARTHAGE         TX   75633          1            07/23/02         23
    0434651626                           05           09/01/02          0
    2074275                              N            08/01/32
    0

    7967349          E22/G01             F          231,750.00         ZZ
                                         360        230,892.56          1
                                       8.500          1,781.96        103
                                       8.250          1,781.96
    STERLING HTS     MI   48310          1            08/20/02         23
    0414680611                           05           10/01/02          0
    0414680611                           O            09/01/32
    0

    7995073          U42/G01             F          114,000.00         ZZ
                                         360        113,431.12          1
                                       7.000            758.44        103
                                       6.750            758.44
    POTTSBORO        TX   75076          1            08/26/02         23
    0434646675                           05           10/01/02          0
    15201029                             O            09/01/32
    0

1

    7997623          G34/G01             F          141,500.00         ZZ
                                         360        140,935.18          1
                                       8.125          1,050.63        100
                                       7.875          1,050.63
    LAS VEGAS        NV   89119          1            08/02/02         23
    0434655999                           05           10/01/02          0
    20739142                             O            09/01/32
    0

    8025501          E22/G01             F          156,045.00         ZZ
                                         360        155,601.10          1
                                       8.875          1,241.56        103
                                       8.375          1,241.56
    PLAINFIELD       CT   06374          1            09/10/02         23
    0414827105                           05           11/01/02          0
    0414827105                           O            10/01/32
    0

    8029665          Q64/G01             F          203,400.00         ZZ
                                         360        202,684.93          1
                                       8.750          1,600.15        100
                                       8.500          1,600.15
    MABLETON         GA   30126          1            08/29/02         23
    0434660775                           05           10/01/02          0
    0104411608                           O            09/01/32
    0

    8033577          U19/G01             F          189,900.00         ZZ
                                         360        189,301.52          1
                                       8.375          1,443.38        100
                                       8.125          1,443.38
    AURORA           CO   80014          1            09/06/02         23
    0434716783                           09           11/01/02          0
    02080166                             O            10/01/32
    0

    8053567          E22/G01             F          205,000.00         ZZ
                                         360        204,303.01          2
                                       8.000          1,504.22        100
                                       7.750          1,504.22
    CHICAGO          IL   60621          1            09/20/02         23
    0414826131                           05           11/01/02          0
    0414826131                           O            10/01/32
    0

    8058155          H76/G01             F          185,400.00         ZZ
                                         360        184,936.73          1
                                       9.500          1,558.95        103
                                       9.250          1,558.95
1

    GREEN BAY        WI   54301          5            09/21/02         23
    0434650289                           05           11/01/02          0
    2002449638                           O            10/01/32
    0

    8066183          E76/G01             F           66,500.00         ZZ
                                         360         66,285.06          1
                                       8.250            499.59         85
                                       8.000            499.59
    PENSACOLA        FL   32506          1            09/24/02         23
    0434667598                           05           11/01/02          0
    10016845                             N            10/01/32
    0

    8069035          E22/G01             F          212,850.00         ZZ
                                         360        212,371.29          2
                                      10.000          1,867.91         99
                                       9.500          1,867.91
    CHICAGO          IL   60609          1            09/27/02         23
    0414396630                           05           11/01/02          0
    0414396630                           O            10/01/32
    0

    8094175          X53/G01             F          110,000.00         ZZ
                                         360        109,702.80          1
                                       9.125            895.00         83
                                       8.875            895.00
    VALDOSTA         GA   31601          1            09/30/02         23
    0434843652                           05           11/01/02          0
    09200212                             O            10/01/32
    0

    8099873          E45/G01             F          177,210.00         ZZ
                                         360        176,202.90          1
                                       7.375          1,223.95         99
                                       7.125          1,223.95
    GAINESVILLE      FL   32606          1            08/30/02         23
    0434797163                           05           10/01/02          0
    271595                               O            09/01/32
    0

    8108955          W53/G01             F           70,620.00         ZZ
                                         360         70,365.27          1
                                       8.625            549.28        107
                                       8.375            549.28
    JACKSONVILLE     NC   64197          5            08/28/02         23
    0435216411                           05           10/01/02          0
    5201261100                           O            09/01/32
    0
1

    8110783          Q01/G01             F          114,227.00         ZZ
                                         360        113,553.66          1
                                       9.500            960.48        103
                                       9.250            960.48
    SALT LAKE CITY   UT   84121          1            09/27/02         23
    0434778668                           01           11/01/02          0
    105900                               O            10/01/32
    0

    8111663          M27/G01             F           80,000.00         ZZ
                                         360         79,803.28          1
                                       9.125            650.91        103
                                       8.875            650.91
    GREENSBORO       NC   27407          1            10/10/02         23
    0435323563                           03           12/01/02          0
    GOLDSTON2AJF                         O            11/01/32
    0

    8116191          E22/G01             F          139,000.00         ZZ
                                         360        137,620.15          1
                                       7.375            960.04        105
                                       7.125            960.04
    KANSAS CITY      MO   64138          1            10/16/02         23
    0414785121                           05           12/01/02          0
    0414785121                           O            11/01/32
    0

    8125701          R56/G01             F           72,100.00         ZZ
                                         360         71,848.60          1
                                       7.875            522.78        103
                                       7.625            522.78
    RIVERDALE        CA   93656          5            09/20/02         23
    0435172457                           05           11/01/02          0
    02137331CA                           O            10/01/32
    0

    8140035          964/G01             F          122,150.00         ZZ
                                         360        121,783.76          1
                                       7.500            854.20        100
                                       7.250            854.09
    ALBANY           OR   97321          1            10/10/02         23
    0434786935                           03           12/01/02          0
    284753                               O            11/01/32
    0

    8140455          F64/G01             F           64,300.00         ZZ
                                         360         64,128.99          1
1

                                       9.200            526.65         89
                                       8.950            526.65
    CREWE            VA   23930          1            09/30/02         23
    0434795647                           05           11/01/02          0
    3904                                 O            10/01/32
    0

    8143221          E45/G01             F          120,600.00         ZZ
                                         360        120,087.56          1
                                       6.875            792.26        104
                                       6.625            792.26
    WINDER           GA   30680          1            09/30/02         23
    0435184551                           05           11/01/02          0
    282151                               O            10/01/32
    0

    8150901          W02/G01             F          185,400.00         ZZ
                                         360        184,823.40          1
                                       7.313          1,272.69        103
                                       7.063          1,272.69
    GAINESVILLE      FL   32653          5            10/16/02         23
    0434857215                           05           12/01/02          0
    1                                    O            11/01/32
    0

    8161215          N46/G01             F          205,000.00         ZZ
                                         360        204,338.41          1
                                       7.125          1,381.12        104
                                       6.875          1,381.12
    GREENVILLE       NC   27834          1            10/29/02         23
    0434853727                           05           12/01/02          0
    PEAD04N238                           O            11/01/32
    0

    8161779          E22/G01             F          118,000.00         ZZ
                                         360        117,628.44          1
                                       7.250            804.97        100
                                       6.750            804.97
    LARGO            FL   33771          1            10/31/02         23
    0415362573                           05           12/01/02          0
    0415362573                           O            11/01/32
    0

    8162655          G52/G01             F          179,000.00         ZZ
                                         360        178,275.71          1
                                       7.125          1,205.96        100
                                       6.875          1,205.96
    PHOENIX          AZ   85013          1            09/27/02         23
    0435165592                           05           11/01/02          0
1

    9815004077                           O            10/01/32
    0

    8162983          R17/G01             F          122,800.00         ZZ
                                         360        122,048.59          1
                                       7.500            858.64        103
                                       7.250            858.64
    MECHANICSBURG    PA   17050          5            10/18/02         23
    0435341177                           05           12/01/02          0
    1000151279                           O            11/01/32
    0

    8168855          E22/G01             F           95,000.00         ZZ
                                         360         94,700.86          1
                                       7.250            648.07        100
                                       7.000            648.07
    HURON            TN   38345          1            10/30/02         23
    0415312347                           05           12/01/02          0
    0415312347                           O            11/01/32
    0

    8181651          808/G01             F          220,420.00         ZZ
                                         360        219,511.24          1
                                       7.000          1,466.46        103
                                       6.750          1,466.46
    BELLFLOWER       CA   90706          1            10/22/02         23
    0435284583                           05           12/01/02          0
    9428277                              O            11/01/32
    0

    8184933          E45/G01             F          122,000.00         ZZ
                                         360        121,685.58          1
                                       8.250            916.55        100
                                       8.000            916.55
    MIAMI            FL   33147          1            10/25/02         23
    0435170295                           05           12/01/02          0
    298482                               O            11/01/32
    0

    8185499          N67/G01             F          179,900.00         ZZ
                                         360        179,492.06          1
                                       8.875          1,431.37         99
                                       8.625          1,431.37
    CHARLESTON       SC   29414          5            10/28/02         23
    0434890711                           05           12/01/02          0
    3254002869                           O            11/01/32
    0

1

    8188193          M37/G01             F           78,115.00         ZZ
                                         360         77,790.02          1
                                       7.125            526.28        103
                                       6.875            526.28
    GILLETTE         WY   82718          1            10/18/02         23
    0435214309                           07           12/01/02          0
    609427                               O            11/01/32
    0

    8193295          G75/G01             F           87,000.00         ZZ
                                         360         86,704.10          1
                                       7.500            608.32        100
                                       7.250            608.32
    LOUISVILLE       KY   40207          1            10/30/02         23
    0435047915                           01           12/01/02          0
    04886276                             O            11/01/32
    0

    8195537          X31/G01             F          291,000.00         ZZ
                                         360        290,331.64          1
                                       7.375          2,009.86        100
                                       7.125          2,009.86
    COVINA           CA   91722          1            10/31/02         23
    0434975959                           05           01/01/03          0
    40104650                             O            12/01/32
    0

    8196229          R49/G01             F           92,550.00         ZZ
                                         360         92,240.93          1
                                       9.000            744.68        103
                                       8.750            744.68
    LINCOLN          NE   68510          1            08/16/02         23
    0434966222                           05           10/01/02          0
    9719315                              O            09/01/32
    0

    8202081          Q64/G01             F          213,946.00         T
                                         180        213,288.77          1
                                       7.375          1,477.68        107
                                       7.125          1,477.68
    SAINT MICHAELS   MD   21663          1            10/18/02         23
    0434941738                           05           12/01/02          0
    104949508                            N            11/01/17
    0

    8202537          R17/G01             F           90,600.00         ZZ
                                         360         90,300.31          1
                                       7.000            602.77        103
                                       6.750            602.77
1

    TAMPA            FL   33615          2            11/04/02         23
    0434939872                           09           12/01/02          0
    1000174743                           O            11/01/32
    0

    8203697          M27/G01             F          163,050.00         ZZ
                                         360        162,497.34          1
                                       6.875          1,071.12        105
                                       6.625          1,071.12
    CORDOVA          TN   30016          1            10/18/02         23
    0435283767                           05           12/01/02          0
    5000035064                           O            11/01/32
    0

    8207625          R17/G01             F           88,800.00         ZZ
                                         360         87,923.44          1
                                       7.000            590.79        103
                                       6.750            590.79
    ERIE             PA   16510          2            09/16/02         23
    0435326962                           05           11/01/02          0
    1000144616                           O            10/01/32
    0

    8209653          W53/G01             F           76,000.00         ZZ
                                         360         75,842.04          1
                                       7.875            551.06         95
                                       7.625            551.06
    HAMPTON          GA   30228          1            11/06/02         23
    0435099627                           05           01/01/03          0
    1304001390                           N            12/01/32
    0

    8210643          U85/G01             F          191,466.00         ZZ
                                         360        190,847.09          2
                                       8.250          1,438.42         99
                                       8.000          1,438.42
    DELAFIELD        WI   53081          1            09/11/02         23
    0435142229                           05           11/01/02          0
    1                                    O            10/01/32
    0

    8210931          U05/G01             F           66,950.00         ZZ
                                         360         66,786.02          1
                                       8.500            514.79        103
                                       8.250            514.79
    LAKE CHARLES     LA   70601          1            11/01/02         23
    0435358676                           05           12/01/02          0
    3275671                              O            11/01/32
    0
1

    8214551          313/G01             F          232,000.00         ZZ
                                         360        231,321.89          1
                                       7.625          1,642.09        105
                                       7.375          1,642.09
    COLUMBIA         MD   21045          1            10/30/02         23
    0435156369                           05           12/01/02          0
    0009107210                           O            11/01/32
    0

    8217579          588/G01             F          140,150.00         ZZ
                                         360        139,494.68          1
                                       7.125            944.22        107
                                       6.875            944.22
    WILSON           PA   18042          1            10/25/02         23
    0435284062                           05           12/01/02          0
    1076954                              O            11/01/32
    0

    8218357          E22/G01             F           92,700.00         ZZ
                                         360         92,546.94          1
                                       9.000            745.89        103
                                       8.500            745.89
    BESSEMER         AL   35020          5            11/14/02         23
    0415035930                           05           01/01/03          0
    0415035930                           O            12/01/32
    0

    8218363          E22/G01             F          219,000.00         ZZ
                                         360        218,533.31          1
                                       7.750          1,568.94        102
                                       7.500          1,568.94
    ODESSA           FL   33556          5            11/14/02         23
    0415050780                           03           01/01/03          0
    0415050780                           O            12/01/32
    0

    8218785          408/G01             F           82,500.00         ZZ
                                         360         82,238.46          1
                                       7.250            562.80         88
                                       7.000            562.80
    SENATOBIA        MS   38668          1            10/30/02         23
    0435064480                           05           12/01/02          0
    703031075                            O            11/01/32
    0

    8220487          313/G01             F          152,500.00         ZZ
                                         360        152,065.28          1
1

                                       7.750          1,092.53        104
                                       7.500          1,092.53
    ALEXANDRIA       VA   22315          1            10/31/02         23
    0434986634                           01           12/01/02          0
    0009083767                           O            11/01/32
    0

    8222771          X67/G01             F          230,000.00         ZZ
                                         360        229,376.49          1
                                       8.000          1,687.66        100
                                       7.750          1,687.66
    METHUEN          MA   01844          1            10/15/02         23
    0434999579                           05           12/01/02          0
    00241196                             O            11/01/32
    0

    8222785          R80/G01             F          147,155.00         ZZ
                                         360        146,756.09          2
                                       8.000          1,079.77         95
                                       7.750          1,079.77
    SALT LAKE CITY   UT   84115          1            10/29/02         23
    0435362983                           05           12/01/02          0
    42702                                N            11/01/32
    0

    8223327          F34/G01             F          156,900.00         ZZ
                                         360        156,515.72          1
                                       8.500          1,206.43        102
                                       8.250          1,206.43
    BREMERTON        WA   98311          5            10/09/02         23
    0434967717                           05           12/01/02          0
    Q9CQ126138                           O            11/01/32
    0

    8223431          F34/G01             F           97,850.00         ZZ
                                         360         97,715.98          1
                                      11.250            950.38        103
                                      11.000            950.38
    CHATTANOOGA      TN   37421          5            10/24/02         23
    0435046701                           05           12/01/02          0
    V8BG1323990B                         O            11/01/32
    0

    8223451          F34/G01             F          166,500.00         ZZ
                                         360        166,159.67          1
                                       9.375          1,384.87         86
                                       9.125          1,384.87
    WEST HAVERSTRAW  NY   10993          5            10/25/02         23
    0435124441                           05           12/01/02          0
1

    79LG1133954                          O            11/01/32
    0

    8223871          E22/G01             F          164,800.00         ZZ
                                         360        164,398.67          2
                                       8.375          1,252.60        103
                                       8.125          1,252.60
    CHICAGO          IL   60644          1            11/20/02         23
    0415096502                           05           01/01/03          0
    0415096502                           O            12/01/32
    0

    8226597          F34/G01             F          334,700.00         ZZ
                                         360        334,175.41          1
                                       9.250          2,753.50         96
                                       9.000          2,753.50
    NORTH ATTLEBORO  MA   02760          5            11/09/02         23
    0435124284                           05           01/01/03          0
    Q9LG1289751A                         O            12/01/32
    0

    8226713          F34/G01             F          157,590.00         ZZ
                                         360        157,349.36          1
                                       9.375          1,310.76        103
                                       9.125          1,310.76
    ATHOL            MA   01331          5            11/11/02         23
    0434967576                           05           01/01/03          0
    Q9LG1294086                          O            12/01/32
    0

    8227153          U35/G01             F          143,915.00         ZZ
                                         360        143,584.44          1
                                       7.375            993.99        107
                                       7.125            993.99
    LITTLE CHUTE     WI   54140          1            11/18/02         23
    0435189915                           05           01/01/03          0
    0010124365                           O            12/01/32
    0

    8227923          E22/G01             F          141,850.00         ZZ
                                         360        141,596.96          1
                                       8.625          1,103.29        103
                                       8.375          1,103.29
    LAS VEGAS        NV   89142          1            11/06/02         23
    0415343888                           05           01/01/03          0
    0415343888                           O            12/01/32
    0

1

    8229057          E45/G01             F           58,900.00         ZZ
                                         360         58,719.06          1
                                       7.375            406.81         95
                                       7.125            406.81
    TROY             IL   62294          1            10/24/02         23
    0435330980                           05           12/01/02          0
    285200                               O            11/01/32
    0

    8235185          E22/G01             F           84,550.00         ZZ
                                         360         84,369.81          2
                                       7.750            605.73         95
                                       7.500            605.73
    HIXSON           TN   37343          1            11/25/02         23
    0415472299                           05           01/01/03          0
    0415472299                           N            12/01/32
    0

    8235357          E22/G01             F          272,840.00         ZZ
                                         360        272,365.64          1
                                       8.750          2,146.43        103
                                       8.500          2,146.43
    AURORA           CO   80015          1            11/22/02         23
    0415299445                           03           01/01/03          0
    0415299445                           O            12/01/32
    0

    8235541          R17/G01             F          189,000.00         ZZ
                                         360        188,554.99          1
                                       7.250          1,289.32        107
                                       7.000          1,289.32
    COLUMBIA         MD   21044          5            11/06/02         23
    0435301502                           03           01/01/03          0
    1000159922                           O            12/01/32
    0

    8236413          588/G01             F          302,810.00         ZZ
                                         360        301,808.44          1
                                       7.000          2,014.60        103
                                       6.750          2,014.60
    SUMMIT           NJ   07901          1            11/24/02         23
    0435223318                           05           12/01/02          0
    1076922                              O            11/01/32
    0

    8239505          W02/G01             F           96,300.00         ZZ
                                         360         96,051.83          1
                                       8.250            723.47         93
                                       8.000            723.47
1

    ST PETERSBURG    FL   33709          1            11/04/02         23
    0435240189                           05           12/01/02          0
    1001668102                           O            11/01/32
    0

    8239619          R17/G01             F          325,250.00         ZZ
                                         360        324,299.36          1
                                       7.625          2,302.10        107
                                       7.375          2,302.10
    SAN JOSE         CA   95123          1            10/28/02         23
    0435316534                           03           12/01/02          0
    1000161427                           O            11/01/32
    0

    8240065          F34/G01             F          153,000.00         ZZ
                                         360        152,506.22          1
                                       7.125          1,030.79        107
                                       6.875          1,030.79
    FORESTVILLE      MD   20747          1            10/30/02         23
    0435116579                           09           12/01/02          0
    22202034                             O            11/01/32
    0

    8241145          W02/G01             F          142,500.00         ZZ
                                         360        141,974.23          1
                                       6.438            894.90        102
                                       6.188            894.90
    MIAMI            FL   33185          2            10/26/02         23
    0435043112                           07           12/01/02          0
    1001681815                           O            11/01/32
    0

    8241379          W02/G01             F          118,450.00         ZZ
                                         360        118,165.41          1
                                       8.594            918.69        103
                                       8.344            918.69
    MULBERRY         FL   33860          5            10/24/02         23
    0435204771                           05           12/01/02          0
    1001575852                           O            11/01/32
    0

    8241485          R84/G01             F          171,050.00         ZZ
                                         360        170,477.99          1
                                       7.125          1,152.40        104
                                       6.875          1,152.40
    TACOMA           WA   98405          1            10/31/02         23
    0435084355                           05           12/01/02          0
    WA700457                             O            11/01/32
    0
1

    8241503          W02/G01             F          286,760.00         ZZ
                                         360        285,851.48          1
                                       7.219          1,950.19        107
                                       6.969          1,950.19
    GRAY             TN   37615          5            10/29/02         23
    0435204474                           05           12/01/02          0
    1001625087                           O            11/01/32
    0

    8241605          L86/G01             F          320,300.00         ZZ
                                         360        319,617.40          1
                                       7.750          2,294.67        103
                                       7.500          2,294.67
    FULLERTON        CA   92833          5            11/19/02         23
    0435245824                           05           01/01/03          0
    20512884                             O            12/01/32
    0

    8241639          F34/G01             F          279,900.00         ZZ
                                         360        279,178.68          1
                                       8.250          2,102.80        100
                                       8.000          2,102.80
    BOWIE            MD   20721          1            10/30/02         23
    0435180211                           05           12/01/02          0
    22210018                             O            11/01/32
    0

    8241851          W02/G01             F          184,370.00         ZZ
                                         360        183,918.44          1
                                       8.500          1,417.65        103
                                       8.250          1,417.65
    JUPITER          FL   33478          5            10/26/02         23
    0435186069                           05           12/01/02          0
    1001680677                           O            11/01/32
    0

    8244041          P57/G01             F          158,500.00         ZZ
                                         180        158,069.43          1
                                       7.990          1,161.92        104
                                       7.740          1,161.92
    BLOOMINGTON      IN   47403          2            11/05/02         23
    0435094362                           05           12/11/02          0
    202032                               O            11/11/17
    0

    8245457          X31/G01             F          141,150.00         ZZ
                                         360        140,849.18          1
1

                                       7.750          1,011.22        100
                                       7.500          1,011.22
    ONTARIO          CA   91762          1            11/12/02         23
    0435176136                           05           01/01/03          0
    40103557                             O            12/01/32
    0

    8246455          X89/G01             F          152,440.00         ZZ
                                         360        152,199.44          1
                                      10.875          1,437.34        103
                                      10.625          1,437.34
    COMPTON          CA   90220          1            10/18/02         23
    0435230412                           05           12/01/02          0
    0100237885                           O            11/01/32
    0

    8250137          R17/G01             F           45,800.00         ZZ
                                         360         45,704.83          1
                                       7.875            332.08        107
                                       7.625            332.08
    HONEA PATH       SC   29654          1            11/26/02         23
    0435117213                           05           01/01/03          0
    1000179654                           O            12/01/32
    0

    8250979          N74/G01             F          143,000.00         ZZ
                                         360        142,677.65          1
                                       8.990          1,149.58         99
                                       8.740          1,149.58
    REIDSVILLE       NC   27320          1            11/25/02         23
    0435092812                           05           12/25/02          0
    0031207010                           O            11/25/32
    0

    8250997          E45/G01             F          108,600.00         ZZ
                                         360        108,222.82          1
                                       6.750            704.38        107
                                       6.500            704.38
    OCALA            FL   34480          5            10/23/02         23
    0435316898                           05           12/01/02          0
    281683                               O            11/01/32
    0

    8251747          R84/G01             F          164,800.00         ZZ
                                         360        164,482.56          1
                                       8.250          1,238.09        103
                                       8.000          1,238.09
    HENDERSON        NV   89123          1            11/14/02         23
    0435312772                           05           01/01/03          0
1

    LVW5219                              O            12/01/32
    0

    8251789          R17/G01             F          363,000.00         ZZ
                                         360        361,769.63          1
                                       6.875          2,384.65        102
                                       6.625          2,384.65
    EL SEGUNDO       CA   90245          1            10/11/02         23
    0435339981                           01           12/01/02          0
    1000159869                           O            11/01/32
    0

    8251827          R17/G01             F           88,065.00         ZZ
                                         360         87,767.06          1
                                       7.500            615.77         81
                                       7.250            615.77
    AUSTIN           TX   78728          1            11/19/02         23
    0435060504                           05           01/01/03          0
    1000177402                           N            12/01/32
    0

    8254035          E22/G01             F          247,566.00         ZZ
                                         360        247,038.43          1
                                       7.750          1,773.59        107
                                       7.500          1,773.59
    GAMBRILLS        MD   21054          1            12/03/02         23
    0415632124                           05           01/01/03          0
    0415632124                           O            12/01/32
    0

    8254347          R17/G01             F          105,060.00         ZZ
                                         360        104,812.62          1
                                       7.250            716.70        100
                                       7.000            716.70
    ARLINGTON        TX   76001          1            11/08/02         23
    0435325378                           05           01/01/03          0
    1000162655                           O            12/01/32
    0

    8254415          M50/G01             F           35,000.00         ZZ
                                         180         34,934.27          1
                                       8.375            266.03         88
                                       8.125            266.03
    LANSING          MI   48906          1            11/21/02         23
    0435126545                           05           01/01/03          0
    2710699                              O            12/01/17
    0

1

    8255715          624/G01             F          124,438.00         ZZ
                                         360        124,152.20          1
                                       7.375            859.46         95
                                       7.125            859.46
    HANFORD          CA   93230          1            11/21/02         23
    0435113295                           05           01/01/03          0
    1000017862                           N            12/01/32
    0

    8256175          964/G01             F          114,822.00         ZZ
                                         360        114,560.35          1
                                       7.500            802.85        100
                                       7.250            802.85
    LAS VEGAS        NV   89122          1            11/11/02         23
    0435032347                           03           01/01/03          0
    291068                               O            12/01/32
    0

    8256615          E22/G01             F          113,300.00         ZZ
                                         360        113,039.78          2
                                       7.375            782.53        103
                                       7.125            782.53
    YAKIMA           WA   98902          1            11/25/02         23
    0414975821                           05           01/01/03          0
    0414975821                           O            12/01/32
    0

    8257611          Y26/G01             F          161,600.00         ZZ
                                         360        161,228.84          1
                                       7.375          1,116.13        104
                                       7.125          1,116.13
    CHICO            CA   95926          1            11/13/02         23
    0435216783                           05           01/01/03          0
    111800918                            O            12/01/32
    0

    8258023          950/G01             F          178,950.00         ZZ
                                         360        178,568.64          1
                                       7.750          1,282.02        100
                                       7.500          1,282.02
    GRESHAM          OR   97030          1            11/10/02         23
    0435020284                           05           01/01/03          0
    Y6209008                             O            12/01/32
    0

    8258313          M45/G01             F          252,350.00         ZZ
                                         360        251,572.89          1
                                       7.500          1,764.47        103
                                       7.250          1,764.47
1

    NORTH BEND       WA   98045          2            10/25/02         23
    0435184718                           05           12/01/02          0
    0383327                              O            11/01/32
    0

    8258445          R65/G01             F          155,150.00         ZZ
                                         360        154,802.41          1
                                       7.500          1,084.83        107
                                       7.250          1,084.83
    FRANKLIN PARK    NJ   08823          1            11/25/02         23
    0435125547                           01           01/01/03          0
    4193727194                           O            12/01/32
    0

    8258459          U35/G01             F          103,790.00         ZZ
                                         360        103,667.00          1
                                       8.625            807.27        107
                                       8.375            807.27
    FRESNO           CA   93725          5            12/24/02         23
    0435167390                           05           02/01/03          0
    0007512065                           O            01/01/33
    0

    8259575          950/G01             F           94,050.00         ZZ
                                         360         93,839.30          1
                                       7.500            657.61         99
                                       7.250            657.61
    FALL RIVER MILL  CA   96028          1            11/14/02         23
    0435189816                           05           01/01/03          0
    A5210039                             O            12/01/32
    0

    8262757          E22/G01             F          158,000.00         ZZ
                                         360        157,859.63          1
                                      10.000          1,386.56        100
                                       9.500          1,386.56
    DECATUR          AL   35603          1            12/05/02         23
    0415575117                           05           02/01/03          0
    0415575117                           O            01/01/33
    0

    8262891          588/G01             F          129,000.00         ZZ
                                         360        128,376.02          1
                                       6.750            836.69        107
                                       6.500            836.69
    BETHLEHEM        PA   18017          1            10/25/02         23
    0435190681                           01           12/01/02          0
    1077313                              O            11/01/32
    0
1

    8264213          L57/G01             F           34,200.00         ZZ
                                         360         34,135.80          1
                                       8.375            259.94         95
                                       8.125            259.94
    COLUMBUS         MS   39702          1            12/02/02         23
    0435112149                           05           01/05/03          0
    2002423                              N            12/05/32
    0

    8264217          W02/G01             F          100,580.00         ZZ
                                         360        100,259.38          1
                                       7.188            681.91        107
                                       6.938            681.91
    CHATTANOOGA      TN   37421          5            10/25/02         23
    0435186093                           01           12/01/02          0
    1001655498                           O            11/01/32
    0

    8265101          W47/G01             F          109,250.00         ZZ
                                         180        109,049.01          2
                                       9.875            948.67         95
                                       9.625            948.67
    CHICAGO          IL   60621          1            11/26/02         23
    0435123112                           05           12/26/02          0
    021062                               O            11/26/17
    0

    8267703          X53/G01             F           54,900.00         ZZ
                                         360         54,755.56          1
                                       9.250            451.65        100
                                       9.000            451.65
    FLORENCE         SC   29501          1            11/27/02         23
    0435084793                           05           01/01/03          0
    1200215                              O            12/01/32
    0

    8267861          W28/G01             F          120,500.00         ZZ
                                         360        120,249.58          1
                                       7.875            873.71        100
                                       7.625            873.71
    BELLEVILLE       IL   62221          1            11/26/02         23
    0435093323                           07           01/01/03          0
    335100                               O            12/01/32
    0

    8268431          737/G01             F          258,350.00         ZZ
                                         360        257,799.44          1
1

                                       7.750          1,850.85         95
                                       7.500          1,850.85
    ROSEVILLE        CA   95747          1            11/20/02         23
    0435039268                           05           01/01/03          0
    2088822                              O            12/01/32
    0

    8269131          A11/G01             F           65,900.00         ZZ
                                         360         65,735.04          1
                                       9.375            548.13         88
                                       9.125            548.13
    DETROIT          MI   48209          1            11/26/02         23
    0435322656                           05           12/26/02          0
    7290705617                           O            11/26/32
    0

    8269443          E22/G01             F           85,000.00         ZZ
                                         360         84,794.87          1
                                       7.125            572.66        100
                                       6.875            572.66
    LELAND           NC   28451          1            12/06/02         23
    0415215557                           05           01/01/03          0
    0415215557                           O            12/01/32
    0

    8270703          R80/G01             F           83,430.00         ZZ
                                         360         83,299.24          1
                                       9.250            686.36        103
                                       9.000            686.36
    OKLAHOMA CITY    OK   73072          1            11/07/02         23
    0435335401                           05           01/01/03          0
    43081                                O            12/01/32
    0

    8271461          R17/G01             F          213,477.00         ZZ
                                         360        212,935.88          1
                                       6.875          1,402.39        103
                                       6.625          1,402.39
    SACRAMENTO       CA   95825          1            11/20/02         23
    0435422795                           05           01/01/03          0
    1000173676                           O            12/01/32
    0

    8271697          R49/G01             F          221,450.00         ZZ
                                         360        221,054.93          1
                                       8.625          1,722.42        103
                                       8.375          1,722.42
    GAINES           MI   48436          5            11/22/02         23
    0435168992                           05           01/01/03          0
1

    02110008                             O            12/01/32
    0

    8271807          R17/G01             F           42,750.00         ZZ
                                         360         42,658.88          1
                                       7.750            306.27         88
                                       7.500            306.27
    DALLAS           TX   75216          1            11/25/02         23
    0435133491                           05           01/01/03          0
    1000180947                           N            12/01/32
    0

    8273355          E22/G01             F          143,350.00         ZZ
                                         360        143,157.00          1
                                       8.000          1,051.85        107
                                       7.750          1,051.85
    ALBUQUERQUE      NM   87105          5            12/05/02         23
    0415664101                           05           02/01/03          0
    0415664101                           O            01/01/33
    0

    8273773          E57/G01             F          151,500.00         ZZ
                                         360        151,168.95          1
                                       7.625          1,072.31        100
                                       7.375          1,072.31
    HEMET            CA   92543          1            11/25/02         23
    0435248281                           05           01/01/03          0
    06010938                             O            12/01/32
    0

    8274719          A11/G01             F          153,000.00         ZZ
                                         360        152,689.97          1
                                       8.000          1,122.66        107
                                       7.750          1,122.66
    CHESTERFIELD TO  MI   48051          1            12/02/02         23
    0435166012                           01           01/02/03          0
    1612596986                           O            12/02/32
    0

    8274791          Q64/G01             F           99,850.00         ZZ
                                         360         99,586.05          1
                                       8.125            741.39        100
                                       7.875            741.39
    JACKSONVILLE     FL   32222          1            10/31/02         23
    0435346473                           03           12/01/02          0
    0105116206                           O            11/01/32
    0

1

    8274851          W53/G01             F           63,860.00         ZZ
                                         360         63,703.59          1
                                       8.500            491.03        103
                                       8.250            491.03
    PHILADELPHIA     PA   19151          1            10/29/02         23
    0435063078                           07           12/01/02          0
    5201342500                           O            11/01/32
    0

    8274933          F89/G01             F          191,888.00         ZZ
                                         360        191,436.22          2
                                       7.250          1,309.01        100
                                       7.000          1,309.01
    POMONA           CA   91767          1            11/18/02         23
    0435152582                           05           01/01/03          0
    11123412                             O            12/01/32
    0

    8275459          N46/G01             F          166,250.00         ZZ
                                         360        165,960.95          1
                                       8.750          1,307.89         95
                                       8.500          1,307.89
    WENDELL          NC   27591          1            12/03/02         23
    0435209341                           05           01/01/03          0
    96403801                             O            12/01/32
    0

    8275471          G52/G01             F          135,000.00         ZZ
                                         360        134,644.63          1
                                       9.250          1,110.61         98
                                       9.000          1,110.61
    PHOENIX          AZ   85037          1            09/24/02         23
    0435240148                           05           11/01/02          0
    9805003851                           O            10/01/32
    0

    8275721          808/G01             F          160,150.00         ZZ
                                         360        159,772.92          1
                                       7.250          1,092.51        107
                                       7.000          1,092.51
    SONORA           CA   95370          1            11/19/02         23
    0435190319                           05           01/01/03          0
    9428861                              O            12/01/32
    0

    8275897          950/G01             F           93,800.00         ZZ
                                         360         93,525.85          1
                                       7.625            663.91        105
                                       7.375            663.91
1

    TUALATIN         OR   97062          1            10/28/02         23
    0435274766                           01           12/01/02          0
    YH210003                             O            11/01/32
    0

    8276459          B28/G01             F          206,755.00         ZZ
                                         360        206,478.30          1
                                      10.000          1,814.43         99
                                       9.500          1,814.43
    WEST CHICAGO     IL   60185          1            12/05/02         23
    0435047584                           05           01/01/03          0
    09900024                             O            12/01/32
    0

    8276469          A11/G01             F          197,950.00         ZZ
                                         360        197,553.93          1
                                       8.063          1,461.20        107
                                       7.813          1,461.20
    WESTLAND         MI   48185          5            11/29/02         23
    0435183132                           05           01/04/03          0
    6071164545                           O            12/04/32
    0

    8276611          W53/G01             F           71,690.00         ZZ
                                         360         71,533.34          1
                                       7.625            507.42        107
                                       7.375            507.42
    PHILADELPHIA     PA   19131          1            11/22/02         23
    0435051438                           07           01/01/03          0
    5201367600                           O            12/01/32
    0

    8277035          964/G01             F          154,450.00         ZZ
                                         360        154,086.37          1
                                       7.250          1,053.62        107
                                       7.000          1,053.62
    MESA             AZ   85212          5            11/06/02         23
    0435054606                           03           01/01/03          0
    269942                               O            12/01/32
    0

    8277229          N67/G01             F          125,400.00         ZZ
                                         360        125,176.28          1
                                       8.625            975.35         95
                                       8.375            975.35
    GARLAND          TX   75042          1            12/03/02         23
    0435309364                           05           01/01/03          0
    1161003282                           N            12/01/32
    0
1

    8277633          E22/G01             F          126,650.00         ZZ
                                         360        126,519.73          1
                                       9.625          1,076.51        103
                                       9.125          1,076.51
    EWING TOWNSHIP   NJ   08628          1            12/11/02         23
    0415532654                           05           02/01/03          0
    0415532654                           O            01/01/33
    0

    8278167          313/G01             F          124,000.00         ZZ
                                         360        123,700.72          1
                                       7.125            835.42        100
                                       6.875            835.42
    SPOKANE          WA   99205          1            11/23/02         23
    0435239116                           05           01/01/03          0
    0009135427                           O            12/01/32
    0

    8278275          W95/G01             F           69,525.00         ZZ
                                         360         69,453.92          1
                                      11.250            675.27        100
                                      11.000            675.27
    JEFF             KY   41702          1            11/22/02         23
    0435265889                           05           01/01/03          0
    2202110009402                        O            12/01/32
    0

    8278745          P87/G01             F          128,250.00         ZZ
                                         180        128,002.97          2
                                       8.250            963.50         95
                                       8.000            963.50
    MILWAUKEE        WI   53218          1            11/22/02         23
    0435156294                           05           01/01/03          0
    HE62151                              O            12/01/17
    0

    8278775          808/G01             F          133,000.00         ZZ
                                         360        132,702.01          1
                                       7.500            929.96         95
                                       7.250            929.96
    POMONA           CA   91766          1            11/25/02         23
    0435173729                           05           01/01/03          0
    9327023                              O            12/01/32
    0

    8279253          E84/G01             F           98,500.00         ZZ
                                         360         97,961.35          1
1

                                       8.625            766.12        100
                                       8.375            766.12
    PORTLAND         OR   97218          1            05/30/02         23
    0435120688                           05           07/01/02          0
    60111175                             O            06/01/32
    0

    8279979          Q64/G01             F           64,350.00         ZZ
                                         360         64,235.20          1
                                       8.625            500.51         99
                                       8.375            500.51
    HOLIDAY          FL   34690          5            11/27/02         23
    0435268818                           05           01/01/03          0
    3854956004                           O            12/01/32
    0

    8280061          E22/G01             F          149,150.00         ZZ
                                         360        148,963.94          2
                                       8.375          1,133.65         95
                                       7.875          1,133.65
    DALLAS           TX   75214          1            12/12/02         23
    0415569748                           05           02/01/03          0
    0415569748                           O            01/01/33
    0

    8280241          U85/G01             F           94,760.00         ZZ
                                         180         94,595.24          1
                                       8.750            745.48        103
                                       8.500            745.48
    CAMBRIA          WI   53923          5            11/27/02         23
    0435114871                           05           01/03/03          0
    1                                    O            12/03/17
    0

    8280633          W53/G01             F          119,700.00         ZZ
                                         360        119,463.50          2
                                       8.125            888.77         95
                                       7.875            888.77
    ENFIELD          CT   06082          1            11/14/02         23
    0435061577                           05           01/01/03          0
    5201332700                           N            12/01/32
    0

    8281099          R65/G01             F          133,775.00         ZZ
                                         360        133,314.91          1
                                       7.875            969.96        103
                                       7.625            969.96
    CENTREVILLE      VA   20121          1            11/15/02         23
    0435196092                           05           01/01/03          0
1

    15431001315439                       O            12/01/32
    0

    8282029          R65/G01             F          208,650.00         ZZ
                                         360        208,323.48          1
                                       7.250          1,423.36        107
                                       7.000          1,423.36
    SARTELL          MN   56377          2            12/10/02         23
    0435217757                           05           02/01/03          0
    0000001556                           O            01/01/33
    0

    8284103          588/G01             F          169,950.00         ZZ
                                         360        169,440.73          1
                                       7.500          1,188.32        103
                                       7.250          1,188.32
    TAKOMA PARK      MD   20912          1            10/30/02         23
    0435187281                           05           12/01/02          0
    1079234                              O            11/01/32
    0

    8284385          588/G01             F          129,150.00         ZZ
                                         360        128,762.99          1
                                       7.500            903.04        105
                                       7.250            903.04
    FREDERICK        MD   21702          1            10/25/02         23
    0435190475                           01           12/01/02          0
    00010765088                          O            11/01/32
    0

    8284511          588/G01             F          104,000.00         ZZ
                                         360        103,804.70          1
                                       8.375            790.48        103
                                       8.125            790.48
    TOWNSHIP OF FRA  NJ   07822          5            11/12/02         23
    0435215553                           05           01/01/03          0
    00010758901                          O            12/01/32
    0

    8285777          E22/G01             F           59,850.00         ZZ
                                         360         59,777.24          1
                                       8.500            460.19         95
                                       8.250            460.19
    SANDUSKY         MI   48471          1            12/13/02         23
    0415665272                           05           02/01/03          0
    0415665272                           N            01/01/33
    0

1

    8285779          E22/G01             F           80,370.00         ZZ
                                         360         80,274.76          2
                                       8.625            625.11         95
                                       8.375            625.11
    GRAND RAPIDS     MI   49504          1            12/13/02         23
    0415667781                           05           02/01/03          0
    0415667781                           N            01/01/33
    0

    8285985          E22/G01             F           46,000.00         ZZ
                                         360         45,933.19          1
                                       7.625            325.59        106
                                       7.375            325.59
    SHERIDAN         MI   48884          1            12/13/02         23
    0415323195                           05           02/01/03          0
    0415323195                           O            01/01/33
    0

    8286011          E22/G01             F          175,100.00         ZZ
                                         360        174,944.43          2
                                      10.000          1,536.63        103
                                       9.500          1,536.63
    NEWBURGH         NY   12550          1            12/13/02         23
    0415376540                           05           02/01/03          0
    0415376540                           O            01/01/33
    0

    8286017          E22/G01             F           77,900.00         ZZ
                                         360         77,797.73          1
                                       8.125            578.41         95
                                       7.625            578.41
    INDEPENDENCE     KY   41051          1            12/13/02         23
    0415386838                           05           02/01/03          0
    0415386838                           N            01/01/33
    0

    8286049          N67/G01             F          288,250.00         ZZ
                                         360        287,787.62          1
                                       7.125          1,941.99        100
                                       6.875          1,941.99
    CORONA           CA   92879          1            12/04/02         23
    0435114616                           05           02/01/03          0
    1781004322                           O            01/01/33
    0

    8286173          940/G01             F          207,500.00         ZZ
                                         360        207,183.25          1
                                       7.375          1,433.15        100
                                       7.125          1,433.15
1

    RANCHO CUCAMONG  CA   91730          1            12/02/02         23
    0435284823                           05           02/01/03          0
    70020076                             O            01/01/33
    0

    8286249          H76/G01             F          189,390.00         ZZ
                                         360        189,128.47          1
                                       7.875          1,373.21        107
                                       7.625          1,373.21
    CANON CITY       CO   81212          5            12/09/02         23
    0435288428                           05           02/01/03          0
    2002459343                           O            01/01/33
    0

    8286683          R54/G01             F           97,335.00         ZZ
                                         360         97,186.40          2
                                       9.375            809.58        103
                                       9.125            809.58
    NEW ORLEANS      LA   70117          1            11/18/02         23
    0435114459                           05           01/01/03          0
    2000004993                           O            12/01/32
    0

    8287007          X47/G01             F           81,000.00         ZZ
                                         360         80,831.66          1
                                       7.875            587.31        100
                                       7.625            587.31
    LAREDO           TX   78046          1            11/18/02         23
    0435166426                           03           01/01/03          0
    K11422                               O            12/01/32
    0

    8289571          G75/G01             F          176,750.00         ZZ
                                         360        176,353.99          1
                                       7.500          1,235.87        107
                                       7.250          1,235.87
    MOUNT PLEASANT   SC   29464          1            11/26/02         23
    0435227970                           09           01/01/03          0
    04903743                             O            12/01/32
    0

    8291323          X21/G01             F           82,000.00         ZZ
                                         360         81,729.04          1
                                       7.875            594.56        100
                                       7.625            594.56
    MESA             AZ   85205          1            11/26/02         23
    0435119078                           09           01/01/03          0
    705330                               O            12/01/32
    0
1

    8291617          H76/G01             F          128,750.00         ZZ
                                         360        128,589.38          1
                                       8.375            978.60        103
                                       8.125            978.60
    MILFORD          IN   46542          5            12/10/02         23
    0435207444                           05           02/01/03          0
    2002456686                           O            01/01/33
    0

    8292685          E22/G01             F          140,080.00         ZZ
                                         360        139,900.75          1
                                       8.250          1,052.37        103
                                       7.750          1,052.37
    PEMBROKE PINES   FL   33026          1            12/16/02         23
    0415413129                           09           02/01/03          0
    0415413129                           O            01/01/33
    0

    8292725          E22/G01             F           69,000.00         ZZ
                                         360         68,922.36          1
                                       8.875            548.99        100
                                       8.625            548.99
    CHOCTAW          OK   73020          1            12/16/02         23
    0415440643                           05           02/01/03          0
    0415440643                           O            01/01/33
    0

    8292743          N46/G01             F          149,693.00         ZZ
                                         360        149,431.66          1
                                       6.875            983.38        107
                                       6.625            983.38
    KINGS MOUNTAIN   NC   28086          1            12/10/02         23
    0435120993                           05           02/01/03          0
    0638069                              O            01/01/33
    0

    8292925          U35/G01             F          148,835.00         ZZ
                                         360        148,680.09          1
                                       9.250          1,224.43        103
                                       9.000          1,224.43
    VISALIA          CA   93291          1            12/11/02         00
    0435158860                           05           02/01/03          0
    0010317660                           O            01/01/33
    0

    8293155          N46/G01             F           75,500.00         ZZ
                                         360         75,395.74          1
1

                                       7.875            547.43         96
                                       7.625            547.43
    GEORGETOWN       SC   29440          1            12/09/02         23
    0435120936                           05           02/01/03          0
    TAYL73S2485                          O            01/01/33
    0

    8293745          U05/G01             F          178,500.00         ZZ
                                         360        178,253.51          1
                                       7.875          1,294.25        100
                                       7.625          1,294.25
    CORPUS CHRISTI   TX   78410          1            12/04/02         23
    0435123294                           03           02/01/03          0
    3287818                              O            01/01/33
    0

    8293787          E65/G01             F           74,500.00         ZZ
                                         360         74,308.04          1
                                       7.750            533.73        104
                                       7.500            533.73
    FLINT            MI   48504          5            11/26/02         23
    0435147418                           05           01/01/03          0
    252503                               O            12/01/32
    0

    8293827          R49/G01             F          154,500.00         ZZ
                                         360        154,347.41          1
                                       9.500          1,299.12        103
                                       9.250          1,299.12
    JOPPA            MD   21085          1            12/05/02         23
    0435174313                           05           02/01/03          0
    02110009                             O            01/01/33
    0

    8293855          808/G01             F           47,500.00         ZZ
                                         360         47,393.57          1
                                       7.500            332.13         95
                                       7.250            332.13
    LATON            CA   93242          1            11/27/02         23
    0435208335                           05           01/01/03          0
    9429071                              N            12/01/32
    0

    8293931          R54/G01             F           77,250.00         ZZ
                                         360         77,125.73          1
                                       9.125            628.53        103
                                       8.875            628.53
    OPELIKA          AL   36801          1            11/13/02         23
    0435144308                           05           01/01/03          0
1

    2000004964                           O            12/01/32
    0

    8293973          313/G01             F          166,860.00         ZZ
                                         180        166,355.28          1
                                       7.125          1,124.17        103
                                       6.875          1,124.17
    CHARLESTON       SC   29412          1            12/03/02         23
    0435129457                           05           01/01/03          0
    0009200361                           O            12/01/17
    0

    8293991          F64/G01             F          123,600.00         ZZ
                                         360        123,387.30          1
                                       8.800            976.78         99
                                       8.550            976.78
    ROANOKE          VA   24019          1            11/22/02         23
    0435119201                           05           01/01/03          0
    00004086                             O            12/01/32
    0

    8294107          X53/G01             F          170,130.00         ZZ
                                         360        169,810.55          1
                                       8.375          1,293.11        107
                                       8.125          1,293.11
    SUMMERFIELD      NC   27358          5            11/20/02         23
    0435142096                           05           01/01/03          0
    11200210                             O            12/01/32
    0

    8294193          X31/G01             F          195,000.00         ZZ
                                         360        194,573.89          2
                                       7.625          1,380.20        100
                                       7.375          1,380.20
    LOS ANGELES      CA   90002          1            11/19/02         23
    0435294210                           05           01/01/03          0
    40104574                             O            12/01/32
    0

    8294493          X31/G01             F          230,000.00         ZZ
                                         360        229,674.29          2
                                       7.750          1,647.75        100
                                       7.500          1,647.75
    HUNTINGTON PARK  CA   90255          1            12/02/02         23
    0435134192                           05           02/01/03          0
    40104129                             O            01/01/33
    0

1

    8294507          X31/G01             F          110,745.00         ZZ
                                         360        110,580.10          1
                                       7.500            774.35        107
                                       7.250            774.35
    ONTARIO          CA   91762          1            12/09/02         23
    0435140223                           01           02/01/03          0
    40105299                             O            01/01/33
    0

    8294597          J40/G01             F          147,660.00         ZZ
                                         360        147,368.27          1
                                       8.125          1,096.37        107
                                       7.875          1,096.37
    POMPANO BEACH    FL   33064          1            11/22/02         23
    0435183744                           05           01/01/03          0
    1107930                              O            12/01/32
    0

    8294781          W02/G01             F           99,750.00         ZZ
                                         360         99,528.27          1
                                       7.540            700.21         95
                                       7.290            700.21
    OCALA            FL   34471          1            11/27/02         23
    0435186986                           05           01/01/03          0
    1001728243                           O            12/01/32
    0

    8295069          G52/G01             F          161,500.00         ZZ
                                         360        160,113.73          1
                                       7.250          1,101.71        107
                                       7.000          1,101.71
    NORTH LAS VEGAS  NV   89032          5            11/22/02         23
    0435252358                           05           01/01/03          0
    9805004700                           O            12/01/32
    0

    8296019          E22/G01             F          115,000.00         ZZ
                                         360        114,852.83          1
                                       8.250            863.96        100
                                       8.000            863.96
    SAN ANTONIO      TX   78230          1            12/17/02         23
    0415642040                           05           02/01/03          0
    0415642040                           O            01/01/33
    0

    8296057          E22/G01             F           61,750.00         ZZ
                                         360         61,670.97          1
                                       8.250            463.91         95
                                       8.000            463.91
1

    COLUMBUS         OH   43227          1            12/17/02         23
    0415706050                           05           02/01/03          0
    0415706050                           N            01/01/33
    0

    8296093          E22/G01             F          214,000.00         ZZ
                                         360        213,681.37          1
                                       7.500          1,496.32        107
                                       7.000          1,496.32
    NORMAN           OK   73170          1            12/17/02         23
    0415308493                           05           02/01/03          0
    0415308493                           O            01/01/33
    0

    8296109          E22/G01             F           66,950.00         ZZ
                                         360         66,899.35          1
                                      10.750            624.97        103
                                      10.250            624.97
    GARNETT          KS   66032          1            12/17/02         23
    0415351576                           05           02/01/03          0
    0415351576                           O            01/01/33
    0

    8296133          E22/G01             F          109,000.00         T
                                         360        108,853.25          1
                                       8.000            799.80        107
                                       7.500            799.80
    LAKELAND         FL   33810          1            12/03/02         23
    0415416601                           03           02/01/03          0
    0415416601                           O            01/01/33
    0

    8296285          588/G01             F          146,700.00         ZZ
                                         360        144,215.86          1
                                       7.250          1,000.75        107
                                       7.000          1,000.75
    BOWIE            MD   20715          1            10/24/02         23
    0435148473                           03           12/01/02          0
    1079031                              O            11/01/32
    0

    8296453          A11/G01             F          216,300.00         ZZ
                                         360        215,914.13          1
                                       8.625          1,682.36        103
                                       8.375          1,682.36
    WYANDOTTE        MI   48192          5            12/06/02         23
    0435129440                           05           01/11/03          0
    100855329                            O            12/11/32
    0
1

    8296455          W02/G01             F           97,850.00         ZZ
                                         360         97,666.24          1
                                       8.375            743.74        103
                                       8.125            743.74
    ORLANDO          FL   32805          5            11/20/02         23
    0435138995                           05           01/01/03          0
    1001727536                           O            12/01/32
    0

    8296463          W02/G01             F           85,900.00         ZZ
                                         360         85,736.64          1
                                       8.313            649.15        100
                                       8.063            649.15
    TITUSVILLE       FL   32796          2            11/19/02         23
    0435130893                           05           01/01/03          0
    10167525                             O            12/01/32
    0

    8296465          W02/G01             F           37,080.00         ZZ
                                         360         37,001.94          1
                                       7.813            267.27        103
                                       7.563            267.27
    OAK HILL         FL   32759          1            11/27/02         23
    0435120878                           05           01/01/03          0
    1001648047                           O            12/01/32
    0

    8296585          E86/G01             F          206,500.00         ZZ
                                         180        206,013.81          1
                                       7.250          1,408.69        107
                                       7.000          1,408.69
    HINSDALE         IL   60521          2            11/12/02         23
    0435179148                           05           01/01/03          0
    1                                    O            12/01/17
    0

    8296589          E57/G01             F          166,800.00         ZZ
                                         360        166,486.80          1
                                       8.375          1,267.80        103
                                       8.125          1,267.80
    FRESNO           CA   93722          1            11/18/02         23
    0435129481                           05           01/01/03          0
    13003100                             O            12/01/32
    0

    8296705          E57/G01             F           97,350.00         ZZ
                                         360         97,115.08          1
1

                                       7.125            655.86        107
                                       6.875            655.86
    FRESNO           CA   93705          1            11/18/02         23
    0435131040                           05           01/01/03          0
    13004136                             O            12/01/32
    0

    8296717          W02/G01             F           93,200.00         ZZ
                                         360         93,001.41          1
                                       8.063            687.97         96
                                       7.813            687.97
    GLOUCESTER POIN  VA   23062          2            11/01/02         23
    0435123666                           05           01/01/03          0
    1001590321                           O            12/01/32
    0

    8296739          950/G01             F          166,300.00         ZZ
                                         360        165,995.63          1
                                       8.500          1,278.70         99
                                       8.250          1,278.70
    CHICO            CA   95973          1            11/21/02         23
    0435148358                           05           01/01/03          0
    AE210015                             O            12/01/32
    0

    8296823          W02/G01             F          135,900.00         ZZ
                                         360        135,745.08          1
                                       8.813          1,075.25        103
                                       8.563          1,075.25
    FORT MYERS       FL   33907          5            12/04/02         23
    0435149430                           05           02/01/03          0
    1001808980                           O            01/01/33
    0

    8297065          P27/G01             F          149,000.00         ZZ
                                         360        148,073.20          1
                                       8.000          1,093.31        107
                                       7.750          1,093.31
    BOISE            ID   83709          5            12/03/02         23
    0435215322                           05           02/01/03          0
    2102639760                           O            01/01/33
    0

    8297095          P59/G01             F          138,320.00         ZZ
                                         360        138,025.24          1
                                       7.750            990.94         95
                                       7.500            990.94
    BAKERSFIELD      CA   93306          1            11/25/02         23
    0435157144                           05           01/01/03          0
1

    AT004956                             N            12/01/32
    0

    8297153          E45/G01             F           92,900.00         ZZ
                                         360         92,758.14          1
                                       9.375            772.70        100
                                       9.125            772.70
    ORLANDO          FL   32824          1            11/22/02         23
    0435126297                           01           01/01/03          0
    309032                               O            12/01/32
    0

    8297181          685/G01             F           79,200.00         ZZ
                                         360         79,101.20          1
                                       8.375            601.98         99
                                       8.125            601.98
    SAN BERNARDINO   CA   92411          1            12/02/02         23
    0435129473                           05           02/01/03          0
    131383                               O            01/01/33
    0

    8297183          X47/G01             F          341,900.00         ZZ
                                         360        341,114.71          1
                                       7.375          2,361.42         99
                                       7.125          2,361.42
    ARGYLE           TX   76226          1            11/27/02         23
    0435131602                           03           01/01/03          0
    K11244                               O            12/01/32
    0

    8297211          950/G01             F          111,240.00         ZZ
                                         360        111,029.75          1
                                       8.375            845.50        103
                                       8.125            845.50
    REDDING          CA   96001          1            11/19/02         23
    0435149703                           05           01/01/03          0
    5210028                              O            12/01/32
    0

    8297215          X47/G01             F          154,350.00         ZZ
                                         360        154,037.21          1
                                       8.000          1,132.57        100
                                       7.750          1,132.57
    ALLEN            TX   75002          1            11/25/02         23
    0435128301                           05           01/01/03          0
    K11318                               O            12/01/32
    0

1

    8297255          940/G01             F          400,000.00         T
                                         360        399,419.16          1
                                       7.625          2,831.17         96
                                       7.375          2,831.17
    LAGUNA NIGUEL    CA   92677          1            12/10/02         23
    0435121116                           03           02/01/03          0
    40021154                             O            01/01/33
    0

    8297411          950/G01             F          147,700.00         ZZ
                                         360        147,369.76          1
                                       7.510          1,033.75        104
                                       7.260          1,033.75
    YAKIMA           WA   98902          1            11/19/02         23
    0435124565                           05           01/01/03          0
    E5210019                             O            12/01/32
    0

    8297583          W02/G01             F          105,060.00         ZZ
                                         360        104,838.90          1
                                       7.813            757.25        103
                                       7.563            757.25
    MERRITT ISLAND   FL   32952          5            11/21/02         23
    0435132261                           05           01/01/03          0
    1001692375                           O            12/01/32
    0

    8297587          R56/G01             F          159,000.00         ZZ
                                         360        158,616.29          1
                                       7.125          1,071.21        105
                                       6.875          1,071.21
    SUTTER           CA   95982          2            11/12/02         23
    0435128277                           05           01/01/03          0
    02143731CA                           O            12/01/32
    0

    8297697          W17/G01             F          137,610.00         ZZ
                                         360        137,376.84          1
                                       8.875          1,094.89         99
                                       8.625          1,094.89
    WESTON           FL   33326          1            12/13/02         23
    0435277264                           03           01/01/03          0
    020317                               O            12/01/32
    0

    8297895          R65/G01             F          176,130.00         ZZ
                                         360        175,715.29          1
                                       7.250          1,201.52        103
                                       7.000          1,201.52
1

    BEREA            KY   40403          1            12/02/02         23
    0435155429                           05           01/01/03          0
    155710013                            O            12/01/32
    0

    8298139          Y26/G01             F          165,000.00         ZZ
                                         360        164,621.03          1
                                       7.375          1,139.61        104
                                       7.125          1,139.61
    CHICO            CA   95926          1            11/25/02         23
    0435170766                           05           01/01/03          0
    111800279                            O            12/01/32
    0

    8298159          W02/G01             F          208,575.00         ZZ
                                         360        208,136.10          1
                                       7.813          1,503.35        103
                                       7.563          1,503.35
    PALM COAST       FL   32137          5            11/25/02         23
    0435194923                           05           01/01/03          0
    1001760049                           O            12/01/32
    0

    8298317          W02/G01             F           89,610.00         ZZ
                                         360         89,421.42          1
                                       7.813            645.89        103
                                       7.563            645.89
    JACKSONVILLE     FL   32205          5            11/25/02         23
    0435133822                           05           01/01/03          0
    1001774206                           O            12/01/32
    0

    8298603          964/G01             F          140,400.00         ZZ
                                         360        140,196.13          1
                                       7.625            993.74        104
                                       7.375            993.74
    GRASS VALLEY     CA   95945          1            12/09/02         23
    0435141528                           05           02/01/03          0
    300927                               O            01/01/33
    0

    8298611          W02/G01             F          102,450.00         ZZ
                                         360        102,309.80          1
                                       7.920            746.04        103
                                       7.670            746.04
    SAGINAW          MI   48604          5            12/09/02         23
    0435194600                           05           02/01/03          0
    1001744514                           O            01/01/33
    0
1

    8298929          X01/G01             F          119,295.00         ZZ
                                         360        119,162.93          1
                                       8.990            959.02         99
                                       8.740            959.02
    HOUSTON          TX   77014          1            12/12/02         23
    0435143367                           05           02/01/03          0
    023008                               O            01/01/33
    0

    8298943          E65/G01             F          134,100.00         ZZ
                                         360        133,549.43          1
                                       8.000            983.98        107
                                       7.750            983.98
    MONROE           MI   48161          1            11/27/02         23
    0435135751                           05           01/01/03          0
    252234                               O            12/01/32
    0

    8298959          W40/G01             F          176,150.00         ZZ
                                         360        175,935.82          1
                                       8.500          1,354.44         99
                                       8.250          1,354.44
    GILBERT          AZ   85234          5            12/12/02         23
    0435133202                           03           02/01/03          0
    10001569                             O            01/01/33
    0

    8299055          X47/G01             F           56,500.00         ZZ
                                         360         56,433.04          1
                                       8.625            439.45        100
                                       8.375            439.45
    DEL RIO          TX   78840          1            12/09/02         23
    0435280151                           05           02/01/03          0
    K11246                               O            01/01/33
    0

    8299091          S53/G01             F          199,900.00         ZZ
                                         180        199,644.19          1
                                       8.250          1,501.78        100
                                       8.000          1,501.78
    DELANO           MN   55328          1            12/13/02         23
    0435128350                           05           02/01/03          0
    9842085                              O            01/01/18
    0

    8299171          E57/G01             F          132,950.00         ZZ
                                         360        132,644.65          1
1

                                       7.375            918.25        100
                                       7.125            918.25
    FRESNO           CA   93727          1            11/22/02         23
    0435136288                           05           01/01/03          0
    13004202                             O            12/01/32
    0

    8300655          E22/G01             F          223,500.00         ZZ
                                         360        223,206.61          1
                                       8.125          1,659.48        104
                                       7.875          1,659.48
    ELMORE           AL   36024          2            12/13/02         23
    0415592310                           05           02/01/03          0
    0415592310                           O            01/01/33
    0

    8300763          E22/G01             F          185,400.00         ZZ
                                         360        185,143.98          1
                                       7.875          1,344.28        103
                                       7.625          1,344.28
    FRESNO           CA   93720          1            12/12/02         23
    0415662618                           05           02/01/03          0
    0415662618                           O            01/01/33
    0

    8300869          E22/G01             F          179,330.00         ZZ
                                         360        179,062.99          1
                                       7.500          1,253.90        104
                                       7.250          1,253.90
    MONROVIA         AL   35749          1            12/18/02         23
    0415444066                           05           02/01/03          0
    0415444066                           O            01/01/33
    0

    8300977          E22/G01             F          170,980.00         ZZ
                                         360        170,835.99          1
                                      10.250          1,532.15        103
                                       9.750          1,532.15
    ALBUQUERQUE      NM   87112          5            12/13/02         23
    0415316215                           05           02/01/03          0
    0415316215                           O            01/01/33
    0

    8301063          W02/G01             F          114,450.00         ZZ
                                         360        114,264.14          1
                                       7.063            766.29        105
                                       6.813            766.29
    PACE             FL   32571          2            12/05/02         23
    0435250535                           05           02/01/03          0
1

    1001804954                           O            01/01/33
    0

    8301217          Q64/G01             F          176,550.00         ZZ
                                         360        176,306.18          1
                                       7.875          1,280.12        107
                                       7.625          1,280.12
    MEMPHIS          TN   38114          5            12/10/02         23
    0435259585                           05           02/01/03          0
    0305492100                           O            01/01/33
    0

    8301257          Q64/G01             F           64,200.00         ZZ
                                         180         64,106.76          1
                                       7.625            454.41        107
                                       7.375            454.41
    MONDOVI          WI   54755          1            12/10/02         23
    0435183611                           05           02/01/03          0
    0105598205                           O            01/01/18
    0

    8301297          N46/G01             F          310,000.00         ZZ
                                         360        309,632.64          1
                                       8.625          2,411.15        103
                                       8.375          2,411.15
    FORT MILL        SC   29708          5            12/13/02         23
    0435134283                           03           02/01/03          0
    0649761                              O            01/01/33
    0

    8301497          W53/G01             F          179,900.00         ZZ
                                         360        179,288.31          1
                                       8.000          1,320.05        100
                                       7.750          1,320.05
    DUNEDIN          FL   34698          1            09/30/02         23
    0435313077                           05           11/01/02          0
    1302000318                           O            10/01/32
    0

    8301847          L16/G01             F          139,983.00         ZZ
                                         360        139,780.20          1
                                       9.625          1,189.84        100
                                       9.375          1,189.84
    BAKERSFIELD      CA   93313          1            11/25/02         23
    0435124227                           05           01/01/03          0
    7635                                 O            12/01/32
    0

1

    8302065          U75/G01             F          170,000.00         ZZ
                                         360        169,787.94          1
                                       8.375          1,292.12        100
                                       8.125          1,292.12
    ST LOUIS PARK    MN   55416          1            12/13/02         23
    0435128376                           05           02/01/03          0
    004242                               O            01/01/33
    0

    8302325          W02/G01             F          112,270.00         ZZ
                                         360        112,030.74          1
                                       7.750            804.32        103
                                       7.500            804.32
    PORT ST LUCIE    FL   34953          5            11/21/02         23
    0435184668                           05           01/01/03          0
    1001593705                           O            12/01/32
    0

    8302783          Q14/G01             F          210,622.00         ZZ
                                         360        210,236.50          1
                                       8.500          1,619.50        100
                                       8.250          1,619.50
    QUEEN CREEK      AZ   85242          1            11/13/02         23
    0435149083                           03           01/01/03          0
    0000210070                           O            12/01/32
    0

    8302853          R65/G01             F          114,490.00         ZZ
                                         360        114,186.21          1
                                       7.250            781.02        107
                                       7.000            781.02
    CAMP HILL        PA   17011          5            12/10/02         23
    0435129911                           05           02/01/03          0
    156410013                            O            01/01/33
    0

    8302885          R65/G01             F          119,200.00         ZZ
                                         360        118,754.70          1
                                       7.875            864.28         97
                                       7.625            864.28
    ALLENTOWN        PA   18109          2            11/09/02         23
    0435130604                           05           01/01/03          0
    41865261395                          O            12/01/32
    0

    8302977          W02/G01             F           83,430.00         ZZ
                                         360         83,322.55          1
                                       8.219            624.97        100
                                       7.969            624.97
1

    TOLEDO           OH   43609          5            12/09/02         23
    0435129804                           05           02/01/03          0
    1001683308                           O            01/01/33
    0

    8303013          808/G01             F          290,975.00         ZZ
                                         360        290,530.82          1
                                       7.375          2,009.69        103
                                       7.125          2,009.69
    MANTECA          CA   95337          1            12/10/02         23
    0435167838                           05           02/01/03          0
    9427107                              O            01/01/33
    0

    8303093          W30/G01             F          269,650.00         ZZ
                                         360        269,258.42          1
                                       7.625          1,908.57        102
                                       7.375          1,908.57
    AMESBURY         MA   01913          1            12/19/02         23
    0435229026                           05           02/01/03          0
    02110120                             O            01/01/33
    0

    8303139          J95/G01             F          177,000.00         ZZ
                                         360        176,641.31          1
                                       8.000          1,298.77        107
                                       7.750          1,298.77
    MONROE           NC   28110          5            11/22/02         23
    0435124391                           03           01/01/03          0
    0040373326                           O            12/01/32
    0

    8303533          E22/G01             F          104,000.00         ZZ
                                         360        103,856.39          1
                                       7.875            754.07        105
                                       7.625            754.07
    CLARKSVILLE      IN   47129          1            12/19/02         23
    0415284959                           05           02/01/03          0
    0415284959                           O            01/01/33
    0

    8303545          E22/G01             F           87,550.00         ZZ
                                         360         87,458.87          2
                                       9.250            720.25        103
                                       8.750            720.25
    CHICAGO          IL   60636          1            12/19/02         23
    0415330505                           05           02/01/03          0
    0415330505                           O            01/01/33
    0
1

    8303583          E22/G01             F           57,900.00         ZZ
                                         360         57,813.79          1
                                       7.500            404.85         95
                                       7.250            404.85
    WOOSTER          OH   44691          1            12/19/02         23
    0415665009                           05           02/01/03          0
    0415665009                           N            01/01/33
    0

    8303585          E22/G01             F          136,600.00         ZZ
                                         360        136,383.93          1
                                       8.000          1,002.32        106
                                       7.750          1,002.32
    CANTON           NC   25716          1            12/19/02         23
    0415668326                           05           02/01/03          0
    0415668326                           O            01/01/33
    0

    8303643          E22/G01             F          245,100.00         ZZ
                                         360        244,775.43          1
                                       8.500          1,884.61         95
                                       8.250          1,884.61
    TEMECULA         CA   92592          1            12/06/02         23
    0415546944                           01           02/01/03          0
    0415546944                           O            01/01/33
    0

    8303663          E22/G01             F          126,000.00         ZZ
                                         360        125,838.75          1
                                       8.250            946.60        106
                                       8.000            946.60
    ELYRIA           OH   44035          1            12/19/02         23
    0415589530                           05           02/01/03          0
    0415589530                           O            01/01/33
    0

    8304015          R17/G01             F           95,200.00         ZZ
                                         360         94,981.32          1
                                       7.375            657.53        107
                                       7.125            657.53
    AVELLA           PA   15312          1            11/22/02         23
    0435430301                           05           01/01/03          0
    2000173485                           O            12/01/32
    0

    8304097          R56/G01             F          157,500.00         ZZ
                                         360        157,110.44          1
1

                                       7.000          1,047.85         99
                                       6.750          1,047.85
    APPLE VALLEY     CA   92307          5            11/20/02         23
    0435141882                           05           01/01/03          0
    02144341                             O            12/01/32
    0

    8305225          069/G01             F          208,400.00         ZZ
                                         360        207,933.02          1
                                       7.250          1,421.66        106
                                       7.000          1,421.66
    MURRIETA         CA   92563          1            12/03/02         23
    0435183082                           01           02/01/03          0
    35188336821                          O            01/01/33
    0

    8305303          W82/G01             F          110,210.00         ZZ
                                         360        110,041.73          1
                                       9.375            916.67        103
                                       9.125            916.67
    EVANSVILLE       IN   47714          5            11/20/02         23
    0435155494                           05           01/01/03          0
    910002952                            O            12/01/32
    0

    8305339          R17/G01             F           71,150.00         ZZ
                                         360         70,978.27          1
                                       7.125            479.36        107
                                       6.875            479.36
    MOUNTAINTOP      PA   18707          1            12/02/02         23
    0435306600                           05           01/01/03          0
    1000169147                           O            12/01/32
    0

    8305361          E22/G01             F          116,300.00         ZZ
                                         360        116,175.73          1
                                       9.125            946.26        103
                                       8.625            946.26
    SEVIERVILLE      TN   37862          1            12/20/02         23
    0415616382                           05           02/01/03          0
    0415616382                           O            01/01/33
    0

    8305403          R17/G01             F          157,000.00         ZZ
                                         360        156,766.23          1
                                       7.500          1,097.77        100
                                       7.250          1,097.77
    MORENO VALLEY    CA   92555          1            12/01/02         23
    0435155528                           05           02/01/03          0
1

    1000190265                           O            01/01/33
    0

    8305437          E22/G01             F          125,650.00         ZZ
                                         360        125,472.07          1
                                       7.750            900.17        106
                                       7.500            900.17
    KANSAS CITY      MO   64137          1            12/20/02         23
    0415704493                           05           02/01/03          0
    0415704493                           O            01/01/33
    0

    8305443          E22/G01             F          118,450.00         ZZ
                                         360        118,305.97          1
                                       8.500            910.78        100
                                       8.000            910.78
    DEERFIELD BEACH  FL   33442          1            12/20/02         23
    0415713270                           01           02/01/03          0
    0415713270                           O            01/01/33
    0

    8305479          E22/G01             F          275,500.00         ZZ
                                         360        275,173.53          1
                                       8.625          2,142.81         97
                                       8.375          2,142.81
    HIALEAH          FL   33016          5            12/16/02         23
    0415509033                           05           02/01/03          0
    0415509033                           O            01/01/33
    0

    8305497          E22/G01             F          108,500.00         ZZ
                                         360        108,413.40          1
                                      10.500            992.49         99
                                      10.000            992.49
    KENNER           LA   70065          5            12/16/02         23
    0415538636                           01           02/01/03          0
    0415538636                           O            01/01/33
    0

    8305519          E22/G01             F          216,686.00         ZZ
                                         360        216,422.53          1
                                       8.500          1,666.13         99
                                       8.000          1,666.13
    SUGAR LAND       TX   77496          1            12/18/02         23
    0415571470                           03           02/01/03          0
    0415571470                           O            01/01/33
    0

1

    8305523          E22/G01             F          103,950.00         ZZ
                                         360        103,852.61          1
                                       9.750            893.09         99
                                       9.250            893.09
    RICHMOND         VA   23231          5            12/16/02         23
    0415577147                           05           02/01/03          0
    0415577147                           O            01/01/33
    0

    8305527          E22/G01             F          145,300.00         ZZ
                                         360        145,123.33          1
                                       8.500          1,117.23         95
                                       8.000          1,117.23
    LAS VEGAS        NV   89131          1            12/06/02         23
    0415579374                           03           02/01/03          0
    0415579374                           N            01/01/33
    0

    8305599          E22/G01             F          122,814.45         ZZ
                                         360        122,012.08          1
                                       9.750          1,055.17         99
                                       9.500          1,055.17
    FLORENCE         SC   29505          1            12/20/02         23
    0415372622                           05           02/01/03          0
    0415372622                           O            01/01/33
    0

    8305605          E22/G01             F          155,150.00         ZZ
                                         360        154,935.74          1
                                       7.875          1,124.95        107
                                       7.375          1,124.95
    COLLINSVILLE     OK   74021          2            12/16/02         23
    0415400324                           05           02/01/03          0
    0415400324                           O            01/01/33
    0

    8305607          E22/G01             F           49,000.00         ZZ
                                         360         48,927.03          1
                                       7.500            342.62        107
                                       7.000            342.62
    FORT PIERCE      FL   34951          1            12/20/02         23
    0415404425                           01           02/01/03          0
    0415404425                           O            01/01/33
    0

    8305617          R17/G01             F          235,000.00         ZZ
                                         360        234,613.60          1
                                       7.000          1,563.47        107
                                       6.750          1,563.47
1

    BOISE            WA   83713          5            12/06/02         23
    0435288253                           05           02/01/03          0
    1000193137                           O            01/01/33
    0

    8305629          E22/G01             F          148,320.00         ZZ
                                         360        148,099.17          1
                                       7.500          1,037.07        103
                                       7.000          1,037.07
    FAIRFIELD        AL   35064          1            12/20/02         23
    0415451319                           05           02/01/03          0
    0415451319                           O            01/01/33
    0

    8305639          E22/G01             F          172,500.00         ZZ
                                         360        172,236.69          1
                                       7.375          1,191.41        107
                                       6.875          1,191.41
    FT LAUDERDALE    FL   33324          1            12/20/02         23
    0415463934                           09           02/01/03          0
    0415463934                           O            01/01/33
    0

    8305671          U35/G01             F          117,317.00         ZZ
                                         360        117,154.06          2
                                       8.125            871.08        103
                                       7.875            871.08
    FOND DU LAC      WI   54935          1            12/18/02         23
    0435215496                           05           02/01/03          0
    10386018                             O            01/01/33
    0

    8305681          964/G01             F          197,700.00         ZZ
                                         360        197,289.34          1
                                       7.500          1,382.35        103
                                       7.250          1,382.35
    FRESNO           CA   93720          1            12/05/02         23
    0435172598                           05           02/01/03          0
    313690                               O            01/01/33
    0

    8305687          B28/G01             F          107,500.00         ZZ
                                         360        107,331.77          1
                                       7.250            733.34         88
                                       7.000            733.34
    GRAND ISLAND     NE   68801          1            12/13/02         23
    0435140728                           05           02/01/03          0
    16600150                             O            01/01/33
    0
1

    8305749          147/G01             F           68,700.00         ZZ
                                         360         68,602.70          1
                                       7.750            492.18        106
                                       7.500            492.18
    AUSTIN           TX   78724          1            12/03/02         23
    0435133152                           05           02/01/03          0
    10513991                             O            01/01/33
    0

    8305757          R17/G01             F          117,700.00         ZZ
                                         360        117,467.46          1
                                       8.125            873.92        107
                                       7.875            873.92
    BOISE            ID   83704          5            11/01/02         23
    0435196233                           05           01/01/03          0
    1000166536                           O            12/01/32
    0

    8305793          737/G01             F           64,050.00         ZZ
                                         360         63,968.02          1
                                       8.250            481.19        107
                                       8.000            481.19
    CLUTE            TX   77531          1            12/13/02         23
    0435187307                           05           02/01/03          0
    2099226                              O            01/01/33
    0

    8305815          M45/G01             F          129,470.00         ZZ
                                         360        129,239.02          1
                                       8.625          1,007.01        107
                                       8.375          1,007.01
    DUMFRIES         VA   22026          1            11/18/02         23
    0435275169                           01           01/01/03          0
    A0392849                             O            12/01/32
    0

    8305833          737/G01             F           53,500.00         T
                                         360         53,433.26          1
                                       8.375            406.64        107
                                       8.125            406.64
    FULTON           TX   78358          1            12/09/02         23
    0435182043                           05           02/01/03          0
    2098686                              O            01/01/33
    0

    8305941          Q64/G01             F          176,450.00         ZZ
                                         360        175,912.35          1
1

                                       7.625          1,248.91        107
                                       7.375          1,248.91
    CHARLESTON       SC   29414          1            12/04/02         23
    0435130562                           03           01/01/03          0
    0105295703                           O            12/01/32
    0

    8306051          J95/G01             F          255,500.00         ZZ
                                         360        255,109.97          1
                                       7.375          1,764.68        100
                                       7.125          1,764.68
    SALT LAKE CITY   UT   84103          1            12/06/02         23
    0435154679                           05           02/01/03          0
    0040259616                           O            01/01/33
    0

    8306053          R17/G01             F          265,000.00         ZZ
                                         360        264,564.30          1
                                       7.000          1,763.05        100
                                       6.750          1,763.05
    INGLEWOOD        CA   90303          1            12/02/02         23
    0435238548                           05           02/01/03          0
    1000180600                           O            01/01/33
    0

    8306107          R17/G01             F          252,777.00         ZZ
                                         360        252,181.82          1
                                       7.250          1,724.39        107
                                       7.000          1,724.39
    SCOTTSDALE       AZ   85260          1            11/26/02         23
    0435136775                           01           01/01/03          0
    1000190672                           O            12/01/32
    0

    8306175          950/G01             F          186,950.00         ZZ
                                         360        186,531.17          1
                                       7.500          1,307.18        100
                                       7.250          1,307.18
    GRANITE FALLS    WA   98252          1            11/04/02         00
    0435173042                           05           01/01/03          0
    E4208004                             O            12/01/32
    0

    8306353          950/G01             F           87,550.00         ZZ
                                         360         87,465.77          1
                                       9.625            744.17        103
                                       9.375            744.17
    SUSANVILLE       CA   96130          1            11/26/02         23
    0435239645                           05           02/01/03          0
1

    A7208001                             O            01/01/33
    0

    8306371          A11/G01             F          262,150.00         ZZ
                                         360        261,523.88          1
                                       8.125          1,946.46        107
                                       7.875          1,946.46
    WOODHAVEN        MI   48183          1            12/16/02         23
    0435268800                           05           01/16/03          0
    6000699082                           O            12/16/32
    0

    8306387          A11/G01             F          131,100.00         ZZ
                                         360        130,834.32          1
                                       8.000            961.97        105
                                       7.750            961.97
    REDFORD TWP      MI   48239          1            12/13/02         23
    0435147558                           05           01/13/03          0
    1612630947                           O            12/13/32
    0

    8306447          G34/G01             F          127,500.00         ZZ
                                         360        127,310.16          1
                                       7.500            891.50        103
                                       7.250            891.50
    LAS VEGAS        NV   89123          1            12/17/02         23
    0435135116                           03           02/01/03          0
    39012444                             O            01/01/33
    0

    8306451          G34/G01             F          193,500.00         ZZ
                                         360        193,181.02          1
                                       7.500          1,352.98        103
                                       7.250          1,352.98
    NORTH LAS VEGAS  NV   89031          1            12/20/02         23
    0435135264                           05           02/01/03          0
    39012498                             O            01/01/33
    0

    8306519          R65/G01             F          132,300.00         ZZ
                                         360        132,117.30          1
                                       7.875            959.27        106
                                       7.625            959.27
    OXON HILL        MD   20745          5            12/04/02         23
    0435134770                           07           02/01/03          0
    4183157210                           O            01/01/33
    0

1

    8306545          P57/G01             F           97,000.00         ZZ
                                         180         96,759.58          1
                                       6.990            644.70        107
                                       6.740            644.70
    GRAND RAPIDS     MI   49509          1            11/18/02         23
    0435132006                           05           01/01/03          0
    202119                               O            12/01/17
    0

    8306777          B57/G01             F          126,000.00         ZZ
                                         360        125,602.22          1
                                       7.250            859.54        106
                                       7.000            859.54
    CHINO VALLEY     AZ   86323          1            12/10/02         23
    0435166517                           05           02/01/03          0
    20001129                             O            01/01/33
    0

    8307713          E22/G01             F          172,010.00         ZZ
                                         360        171,096.02          1
                                       7.625          1,217.48        103
                                       7.375          1,217.48
    BIRMINGHAM       AL   35215          5            12/18/02         23
    0415572437                           05           02/01/03          0
    0415572437                           O            01/01/33
    0

    8307723          E22/G01             F          131,610.00         ZZ
                                         360        131,418.88          1
                                       7.625            931.53        107
                                       7.125            931.53
    NEW PORT RICHEY  FL   34655          5            12/17/02         23
    0415585165                           01           02/01/03          0
    0415585165                           O            01/01/33
    0

    8307779          E22/G01             F          115,360.00         ZZ
                                         360        115,195.24          1
                                       7.875            836.44        103
                                       7.625            836.44
    DURHAM           NC   27704          2            12/18/02         23
    0415356559                           05           02/01/03          0
    0415356559                           O            01/01/33
    0

    8307801          E22/G01             F          103,000.00         ZZ
                                         360        102,884.09          1
                                       8.875            819.51        103
                                       8.375            819.51
1

    PLANT CITY       FL   33563          9            12/17/02         23
    0415495431                           05           02/01/03          0
    0415495431                           O            01/01/33
    0

    8307831          E22/G01             F          158,360.00         ZZ
                                         360        158,157.34          1
                                       8.250          1,189.71        107
                                       7.750          1,189.71
    MEMPHIS          TN   38135          9            12/16/02         23
    0415592203                           05           02/01/03          0
    0415592203                           O            01/01/33
    0

    8307891          E22/G01             F           78,280.00         ZZ
                                         360         78,229.72          1
                                      11.500            775.20        103
                                      11.000            775.20
    HUNTSVILLE       AL   35810          5            12/18/02         23
    0415631258                           05           02/01/03          0
    0415631258                           O            01/01/33
    0

    8307897          E22/G01             F           98,777.00         ZZ
                                         360         98,665.85          1
                                       8.875            785.91        103
                                       8.375            785.91
    OKLAHOMA CITY    OK   73107          1            12/23/02         23
    0415638006                           05           02/01/03          0
    0415638006                           O            01/01/33
    0

    8307901          E22/G01             F          144,200.00         ZZ
                                         360        144,041.87          1
                                       9.000          1,160.27        103
                                       8.750          1,160.27
    MIRAMAR          FL   33025          1            12/23/02         00
    0415640515                           05           02/01/03          0
    0415640515                           O            01/01/33
    0

    8307983          E22/G01             F          424,000.00         ZZ
                                         360        423,429.12          2
                                       8.000          3,111.16        103
                                       7.750          3,111.16
    QUINCY           MA   02169          1            12/23/02         23
    0415757491                           05           02/01/03          0
    0415757491                           O            01/01/33
    0
1

    8308059          E22/G01             F          132,660.00         ZZ
                                         360        132,494.52          1
                                       8.375          1,008.31         99
                                       8.125          1,008.31
    JASPER           AL   35501          5            12/17/02         23
    0415409960                           05           02/01/03          0
    0415409960                           O            01/01/33
    0

    8308307          950/G01             F          193,500.00         ZZ
                                         360        193,180.55          1
                                       9.000          1,556.94        100
                                       8.750          1,556.94
    GIG HARBOR       WA   98332          1            11/26/02         23
    0435142682                           05           01/01/03          0
    E7211122                             O            12/01/32
    0

    8308379          313/G01             F          183,000.00         ZZ
                                         180        182,740.84          1
                                       7.750          1,311.04        107
                                       7.500          1,311.04
    ELMHURST         IL   60126          1            12/16/02         23
    0435142674                           05           02/01/03          0
    0009236308                           O            01/01/18
    0

    8308417          W95/G01             F           44,150.00         ZZ
                                         360         44,092.03          1
                                       8.125            327.82         95
                                       7.875            327.82
    KANSAS CITY      MO   64131          1            12/13/02         23
    0435137666                           05           02/01/03          0
    2252910009648                        N            01/01/33
    0

    8308419          X91/G01             F          238,000.00         ZZ
                                         360        237,654.39          1
                                       7.625          1,684.55        107
                                       7.375          1,684.55
    MILILANI         HI   96789          1            12/11/02         23
    0435168075                           01           02/01/03          0
    802838                               O            01/01/33
    0

    8308497          E86/G01             F          337,050.00         ZZ
                                         360        336,275.86          1
1

                                       7.375          2,327.92        107
                                       7.125          2,327.92
    SAN JUAN CAPIST  CA   92675          1            11/22/02         23
    0435131537                           09           01/01/03          0
    0000256756                           O            12/01/32
    0

    8308515          E86/G01             F          183,340.00         ZZ
                                         180        182,949.29          1
                                       7.750          1,313.47        103
                                       7.500          1,313.47
    LAS CRUCES       NM   88011          1            11/27/02         23
    0435134572                           05           01/01/03          0
    0000255505                           O            12/01/17
    0

    8308589          W95/G01             F          185,110.00         ZZ
                                         360        184,779.76          1
                                       8.625          1,439.77        107
                                       8.375          1,439.77
    MIAMI            FL   33133          1            12/13/02         23
    0435119763                           05           01/15/03          0
    2351210010137                        O            12/15/32
    0

    8308695          W39/G01             F           95,000.00         T
                                         360         94,868.81          1
                                       7.875            688.82        106
                                       7.625            688.82
    BRADENTON        FL   34210          1            12/20/02         00
    0435119128                           01           02/01/03          0
    LA025083                             O            01/01/33
    0

    8308743          W39/G01             F          110,200.00         ZZ
                                         360        110,066.01          1
                                       8.500            847.34        100
                                       8.250            847.34
    COVINGTON        LA   70433          1            12/20/02         23
    0435117122                           05           02/01/03          0
    LA024715                             O            01/01/33
    0

    8308859          W40/G01             F           68,700.00         ZZ
                                         360         68,622.68          1
                                       8.875            546.61         98
                                       8.625            546.61
    DETROIT          MI   48227          1            12/18/02         23
    0435152525                           05           02/01/03          0
1

    101013287                            O            01/01/33
    0

    8308975          U85/G01             F          102,030.00         ZZ
                                         360        101,780.12          2
                                       8.500            784.52         95
                                       8.250            784.52
    MILWAUKEE        WI   53215          1            10/30/02         23
    0435152640                           05           12/01/02          0
    4350324                              O            11/01/32
    0

    8308995          X78/G01             F          382,900.00         ZZ
                                         360        382,490.93          1
                                       9.125          3,115.40        100
                                       8.875          3,115.40
    MCDONOUGH        GA   30253          1            12/23/02         23
    0435123799                           03           02/01/03          0
    990260                               O            01/01/33
    0

    8309003          E57/G01             F          282,000.00         ZZ
                                         360        281,590.50          1
                                       7.625          1,995.98        100
                                       7.375          1,995.98
    ANAHEIM          CA   92805          1            12/12/02         23
    0435169172                           05           02/01/03          0
    06012440                             O            01/01/33
    0

    8309011          E57/G01             F          298,400.00         ZZ
                                         360        297,429.36          1
                                       7.500          2,086.46        103
                                       7.250          2,086.46
    LAUREL           MD   20723          1            11/07/02         23
    0435120027                           09           12/01/02          0
    16000917                             O            11/01/32
    0

    8309065          M27/G01             F          264,750.00         ZZ
                                         360        264,452.06          1
                                       8.875          2,106.47        102
                                       8.625          2,106.47
    SMYRNA           TN   37167          1            12/19/02         23
    0435194048                           05           02/01/03          0
    5000085015                           O            01/01/33
    0

1

    8309097          R49/G01             F           37,450.00         ZZ
                                         360         37,402.07          2
                                       8.250            281.35        107
                                       8.000            281.35
    EAST CHICAGO     IN   46312          1            12/18/02         23
    0435119086                           05           02/01/03          0
    02110062                             O            01/01/33
    0

    8309139          313/G01             F          107,500.00         ZZ
                                         360        107,351.55          1
                                       7.875            779.45        100
                                       7.625            779.45
    POST FALLS       ID   83854          5            12/05/02         23
    0435117098                           05           02/01/03          0
    9146713                              O            01/01/33
    0

    8309739          E22/G01             F          227,600.00         ZZ
                                         360        227,308.74          1
                                       8.250          1,709.88         99
                                       7.750          1,709.88
    CENTERVILLE      UT   84014          2            12/19/02         23
    0415672971                           05           02/01/03          0
    0415672971                           O            01/01/33
    0

    8309747          E22/G01             F          101,000.00         ZZ
                                         360        100,886.34          1
                                       8.875            803.60        100
                                       8.625            803.60
    ST. JOSEPH       MI   49085          9            12/20/02         23
    0415675966                           05           02/01/03          0
    0415675966                           O            01/01/33
    0

    8309749          E22/G01             F          145,000.00         ZZ
                                         360        144,836.81          1
                                       8.875          1,153.69         98
                                       8.375          1,153.69
    GUNTERSVILLE     AL   35976          5            12/19/02         23
    0415594613                           05           02/01/03          0
    0415594613                           O            01/01/33
    0

    8309751          E22/G01             F          208,500.00         ZZ
                                         360        208,342.30          1
                                      10.750          1,946.31        102
                                      10.500          1,946.31
1

    OVERLAND PARK    KS   66223          2            12/18/02         00
    0415595156                           03           02/01/03          0
    0415595156                           O            01/01/33
    0

    8309753          E22/G01             F           79,150.00         ZZ
                                         360         79,032.15          1
                                       7.500            553.43        107
                                       7.250            553.43
    WORTHINGTON      MN   56187          5            12/19/02         23
    0415600972                           05           02/01/03          0
    0415600972                           O            01/01/33
    0

    8309913          E22/G01             F          269,800.00         ZZ
                                         360        269,417.93          2
                                       7.750          1,932.88         95
                                       7.500          1,932.88
    DOVER            NJ   07801          1            12/24/02         23
    0415363357                           05           02/01/03          0
    0415363357                           O            01/01/33
    0

    8309915          E22/G01             F          156,420.00         ZZ
                                         360        156,219.83          1
                                       8.250          1,175.13         99
                                       7.750          1,175.13
    FORT LAUDERDALE  FL   33334          5            12/19/02         23
    0415368562                           05           02/01/03          0
    0415368562                           O            01/01/33
    0

    8309935          E22/G01             F          100,940.00         ZZ
                                         360        100,834.94          1
                                       9.250            830.41        103
                                       9.000            830.41
    PORT SAINT LUCI  FL   34953          5            12/19/02         23
    0415320464                           05           02/01/03          0
    0415320464                           O            01/01/33
    0

    8310095          685/G01             F          347,750.00         ZZ
                                         360        346,359.47          1
                                       7.625          2,461.35        107
                                       7.375          2,461.35
    ESCONDIDO        CA   92026          5            12/06/02         23
    0435148184                           05           02/01/03          0
    130952                               O            01/01/33
    0
1

    8310175          U05/G01             F          111,000.00         ZZ
                                         360        110,830.56          1
                                       7.375            766.65        106
                                       7.125            766.65
    ROCKVILLE        MD   20852          1            12/06/02         23
    0435148218                           01           02/01/03          0
    3217321                              O            01/01/33
    0

    8310309          588/G01             F           90,050.00         ZZ
                                         360         89,821.75          1
                                       6.875            591.56        107
                                       6.625            591.56
    SILVER SPRING    MD   20906          1            11/15/02         23
    0435218656                           01           01/01/03          0
    1079709                              O            12/01/32
    0

    8310515          642/G01             F          399,250.00         ZZ
                                         360        398,739.07          1
                                       8.250          2,999.43         96
                                       8.000          2,999.43
    OAKLAND          CA   94619          5            12/10/02         23
    0435181052                           05           02/01/03          0
    08202102                             O            01/01/33
    0

    8310751          U05/G01             F          143,350.00         ZZ
                                         360        143,136.57          1
                                       7.500          1,002.32        107
                                       7.250          1,002.32
    MERIDIAN         ID   83642          5            12/05/02         23
    0435145479                           05           02/01/03          0
    3284210                              O            01/01/33
    0

    8311047          588/G01             F          264,000.00         ZZ
                                         360        261,913.26          1
                                       6.875          1,734.29        106
                                       6.625          1,734.29
    MONTGOMERY VILL  MD   20879          1            11/22/02         23
    0435358973                           09           01/01/03          0
    1080183                              O            12/01/32
    0

    8311071          588/G01             F          108,300.00         ZZ
                                         360        107,832.36          1
1

                                       6.875            711.45        103
                                       6.625            711.45
    OLNEY            MD   20832          5            10/25/02         23
    0435217500                           01           12/01/02          0
    00010772878                          O            11/01/32
    0

    8311091          588/G01             F          185,350.00         ZZ
                                         360        184,944.96          1
                                       7.625          1,311.90        103
                                       7.375          1,311.90
    WOODBRIDGE       VA   22191          1            11/25/02         23
    0435224449                           09           01/01/03          0
    1080290                              O            12/01/32
    0

    8311099          588/G01             F          112,000.00         ZZ
                                         360        111,722.79          1
                                       7.500            783.12        107
                                       7.250            783.12
    UPPER DARBY      PA   19018          1            11/15/02         23
    0435149521                           05           01/01/03          0
    1079203                              O            12/01/32
    0

    8311109          R65/G01             F          191,900.00         ZZ
                                         360        191,635.00          2
                                       7.875          1,391.41         95
                                       7.625          1,391.41
    PROVIDENCE       RI   02909          1            12/23/02         23
    0435145115                           05           02/01/03          0
    4198077290                           O            01/01/33
    0

    8311115          588/G01             F          116,350.00         ZZ
                                         360        116,108.20          1
                                       7.875            843.62        103
                                       7.625            843.62
    GERMANTOWN       MD   20874          1            11/21/02         23
    0435190764                           01           01/01/03          0
    1080545                              O            12/01/32
    0

    8311119          M50/G01             F           96,300.00         ZZ
                                         180         96,179.87          1
                                       8.375            731.95        107
                                       8.125            731.95
    ZEPHYRHILLS      FL   33542          2            12/17/02         23
    0435146626                           05           02/01/03          0
1

    2510907                              O            01/01/18
    0

    8311129          H76/G01             F          139,100.00         ZZ
                                         180        138,293.33          1
                                       8.000          1,329.32        107
                                       7.750          1,329.32
    AGAWAM           MA   01001          5            12/20/02         23
    0435146303                           05           02/01/03          0
    2002459117                           O            01/01/18
    0

    8311147          588/G01             F          254,600.00         ZZ
                                         360        254,028.97          1
                                       7.500          1,780.20        107
                                       7.250          1,780.20
    CLINTON          MD   20735          1            11/26/02         23
    0435157755                           05           01/01/03          0
    1080309                              O            12/01/32
    0

    8311151          M50/G01             F           74,100.00         ZZ
                                         180         74,007.57          1
                                       8.375            563.21         95
                                       8.125            563.21
    HOUSTON          TX   77071          1            12/16/02         23
    0435215090                           01           02/01/03          0
    1210625                              O            01/01/18
    0

    8311181          M50/G01             F           60,770.00         ZZ
                                         180         60,709.98          1
                                       9.500            510.99        103
                                       9.250            510.99
    SAINT PETERSBUR  FL   33712          1            12/17/02         23
    0435195292                           01           02/01/03          0
    2510764                              O            01/01/18
    0

    8311255          642/G01             F          168,000.00         ZZ
                                         360        167,762.09          1
                                       7.750          1,203.57        102
                                       7.500          1,203.57
    PHENIX CITY      AL   36867          1            12/16/02         23
    0435143276                           05           02/01/03          0
    11206602                             O            01/01/33
    0

1

    8311273          S53/G01             F           97,000.00         ZZ
                                         360         96,872.67          1
                                       8.125            720.22        105
                                       7.875            720.22
    CINCINNATI       OH   45237          2            12/17/02         23
    0435147749                           05           02/01/03          0
    9841789                              O            01/01/33
    0

    8311379          588/G01             F          200,000.00         ZZ
                                         360        199,573.81          1
                                       7.750          1,432.82        107
                                       7.500          1,432.82
    TOWNSHIP OF ROX  NJ   07876          1            11/12/02         23
    0435297833                           01           01/01/03          0
    1079167                              O            12/01/32
    0

    8311383          U85/G01             F          118,000.00         ZZ
                                         360        117,752.46          1
                                       9.250            970.76        100
                                       9.000            970.76
    NEENAH           WI   54956          1            11/01/02         23
    0435189253                           05           12/01/02          0
    VERRET                               O            11/01/32
    0

    8311389          R17/G01             F           59,550.00         ZZ
                                         360         59,188.33          1
                                       8.750            468.48         81
                                       8.500            468.48
    LAKE JACKSON     TX   77566          1            12/17/02         23
    0435136429                           09           02/01/03          0
    1000198151                           N            01/01/33
    0

    8311541          M45/G01             F           77,250.00         ZZ
                                         360         77,112.17          1
                                       8.625            600.85        103
                                       8.375            600.85
    NEWPORT          PA   17074          1            11/26/02         23
    0435216528                           05           01/01/03          0
    A0398541                             O            12/01/32
    0

    8311637          588/G01             F          179,900.00         ZZ
                                         360        179,476.42          1
                                       7.250          1,227.24        103
                                       7.000          1,227.24
1

    CLAYMONT         DE   19703          1            11/20/02         23
    0435191556                           05           01/01/03          0
    1080023                              O            12/01/32
    0

    8311835          W82/G01             F          192,900.00         ZZ
                                         360        192,488.92          1
                                       7.750          1,381.96        103
                                       7.500          1,381.96
    EXCELSIOR SPRIN  MO   64024          5            11/22/02         23
    0435145594                           05           01/01/03          0
    910002959                            O            12/01/32
    0

    8311873          F34/G01             F          282,400.00         ZZ
                                         360        281,958.07          1
                                       7.250          1,926.47        103
                                       7.000          1,926.47
    ARLINGTON        VA   22207          1            12/06/02         23
    0435149331                           05           02/01/03          0
    10210028                             O            01/01/33
    0

    8311893          N67/G01             F          130,500.00         ZZ
                                         360        130,341.34          1
                                       8.500          1,003.43        107
                                       8.250          1,003.43
    GERMANTOWN       MD   20874          1            12/09/02         23
    0435143714                           01           02/01/03          0
    3274006284                           O            01/01/33
    0

    8311941          U85/G01             F          185,625.00         ZZ
                                         360        185,431.80          1
                                       9.250          1,527.09         99
                                       9.000          1,527.09
    HARTLAND         WI   53029          1            12/20/02         23
    0435141874                           05           02/01/03          0
    7553932                              O            01/01/33
    0

    8311977          R17/G01             F          117,040.00         ZZ
                                         360        116,045.27          1
                                       7.500            818.37         95
                                       7.250            818.37
    AUSTIN           TX   78728          1            12/09/02         23
    0435329974                           05           02/01/03          0
    1000173189                           N            01/01/33
    0
1

    8312015          U85/G01             F          108,150.00         ZZ
                                         180        108,043.20          1
                                       9.500            909.38        103
                                       9.250            909.38
    FOND DU LAC      WI   54935          2            12/17/02         23
    0435155593                           05           02/01/03          0
    JURGENMEIR                           O            01/01/18
    0

    8312789          E22/G01             F          144,000.00         ZZ
                                         360        143,796.08          1
                                       7.750          1,031.63        107
                                       7.250          1,031.63
    REDDING          CA   96001          1            12/13/02         23
    0415356781                           05           02/01/03          0
    0415356781                           O            01/01/33
    0

    8312841          E22/G01             F          141,775.00         T
                                         360        141,593.56          1
                                       8.250          1,065.11        107
                                       8.000          1,065.11
    ALBEQUERQUE      NM   87120          1            12/12/02         23
    0415489475                           05           02/01/03          0
    0415489475                           O            01/01/33
    0

    8312875          E22/G01             F           33,250.00         ZZ
                                         360         33,209.58          1
                                       8.500            255.66         95
                                       8.000            255.66
    CHATTANOOGA      TN   37407          1            12/26/02         23
    0415574466                           05           02/01/03          0
    0415574466                           N            01/01/33
    0

    8312879          E22/G01             F          148,500.00         ZZ
                                         360        148,278.91          1
                                       7.500          1,038.33        104
                                       7.000          1,038.33
    EAST WENATCHEE   WA   98802          5            12/16/02         23
    0415578103                           05           02/01/03          0
    0415578103                           O            01/01/33
    0

    8312881          E22/G01             F          133,000.00         ZZ
                                         360        132,868.64          1
1

                                       9.500          1,118.34        103
                                       9.000          1,118.34
    HAYDEN           AL   35079          5            12/20/02         23
    0415579473                           05           02/01/03          0
    0415579473                           O            01/01/33
    0

    8312897          E22/G01             F          162,600.00         ZZ
                                         360        162,369.73          1
                                       7.750          1,164.89        107
                                       7.500          1,164.89
    LAKE CHARLES     LA   70611          2            12/18/02         23
    0415594217                           05           02/01/03          0
    0415594217                           O            01/01/33
    0

    8312899          E22/G01             F          130,800.00         ZZ
                                         360        130,605.25          1
                                       7.500            914.57        105
                                       7.000            914.57
    PFLUGERVILLE     TX   78660          1            12/26/02         23
    0415595636                           05           02/01/03          0
    0415595636                           O            01/01/33
    0

    8312915          E22/G01             F          143,150.00         ZZ
                                         360        142,936.85          1
                                       7.500          1,000.93        103
                                       7.250          1,000.93
    SACRAMENTO       CA   95815          1            12/18/02         23
    0415614585                           05           02/01/03          0
    0415614585                           O            01/01/33
    0

    8312941          E22/G01             F           95,230.00         ZZ
                                         360         95,108.14          1
                                       8.250            715.43        107
                                       7.750            715.43
    CARLISLE         PA   17013          2            12/20/02         23
    0415638303                           07           02/01/03          0
    0415638303                           O            01/01/33
    0

    8312949          E22/G01             F          149,150.00         ZZ
                                         360        148,922.32          1
                                       7.375          1,030.14         95
                                       6.875          1,030.14
    AUBURNDALE       FL   33823          1            12/12/02         23
    0415649995                           05           02/01/03          0
1

    0415649995                           N            01/01/33
    0

    8312953          E22/G01             F           66,435.00         ZZ
                                         360         66,388.68          1
                                      11.125            638.96        103
                                      10.625            638.96
    ARTESIA          NM   88210          5            12/20/02         23
    0415652031                           05           02/01/03          0
    0415652031                           O            01/01/33
    0

    8312961          E22/G01             F          255,100.00         ZZ
                                         360        254,781.79          1
                                       8.375          1,938.94        107
                                       7.875          1,938.94
    SANTA ROSA       CA   95405          5            12/18/02         23
    0415657949                           09           02/01/03          0
    0415657949                           O            01/01/33
    0

    8313009          E22/G01             F          131,000.00         ZZ
                                         360        130,800.03          1
                                       7.375            904.78        107
                                       6.875            904.78
    VANCOUVER        WA   98662          1            12/23/02         23
    0415731652                           05           02/01/03          0
    0415731652                           O            01/01/33
    0

    8313025          E22/G01             F           67,400.00         T
                                         360         67,304.55          1
                                       7.750            482.86        107
                                       7.500            482.86
    NEW ORLEANS      LA   70118          1            12/26/02         23
    0415752518                           05           02/01/03          0
    0415752518                           O            01/01/33
    0

    8313035          E22/G01             F          314,150.00         ZZ
                                         360        313,686.50          1
                                       7.750          2,250.61        103
                                       7.250          2,250.61
    OAKLEY           CA   94561          1            12/19/02         23
    0415789833                           05           02/01/03          0
    0415789833                           O            01/01/33
    0

1

    8313253          477/G01             F          209,600.00         ZZ
                                         360        209,287.93          1
                                       7.500          1,465.55        103
                                       7.250          1,465.55
    MISSION VIEJO    CA   92691          1            12/16/02         23
    0435159371                           01           02/01/03          0
    234973                               O            01/01/33
    0

    8313305          477/G01             F          257,450.00         ZZ
                                         360        257,160.27          1
                                       8.875          2,048.39        103
                                       8.625          2,048.39
    ANTELOPE         CA   95843          1            12/12/02         23
    0435163415                           05           02/01/03          0
    235192                               O            01/01/33
    0

    8313319          E86/G01             F          222,600.00         ZZ
                                         180        222,329.34          2
                                       8.500          1,711.60         99
                                       8.250          1,711.60
    CHICAGO          IL   60639          1            12/11/02         23
    0435168950                           05           02/01/03          0
    1                                    O            01/01/18
    0

    8313389          X67/G01             F          194,000.00         ZZ
                                         360        193,415.35          1
                                       7.500          1,356.48        100
                                       7.250          1,356.48
    LOS ANGELES      CA   90042          1            11/21/02         23
    0435148713                           05           01/01/03          0
    00281213                             O            12/01/32
    0

    8313415          N67/G01             F          234,000.00         ZZ
                                         180        233,722.70          1
                                       8.625          1,820.03        100
                                       8.375          1,820.03
    LINO LAKES       MN   55014          1            12/20/02         23
    0435142450                           05           02/01/03          0
    1161001601                           O            01/01/18
    0

    8313433          477/G01             F          175,100.00         ZZ
                                         360        174,927.06          1
                                       9.500          1,472.34        103
                                       9.250          1,472.34
1

    SUN CITY WEST    AZ   85375          1            12/12/02         23
    0435159264                           05           02/01/03          0
    238660                               O            01/01/33
    0

    8313465          588/G01             F          251,300.00         ZZ
                                         360        250,708.32          1
                                       7.250          1,714.31        107
                                       7.000          1,714.31
    WOODBRIDGE       VA   22192          1            11/25/02         23
    0435145172                           09           01/01/03          0
    1079171                              O            12/01/32
    0

    8313471          588/G01             F          109,200.00         ZZ
                                         360        108,624.15          1
                                       7.750            782.32        104
                                       7.500            782.32
    ALEXANDRIA       VA   22309          1            11/26/02         23
    0435155163                           01           01/01/03          0
    1082010                              O            12/01/32
    0

    8313491          940/G01             F          280,890.00         ZZ
                                         360        280,428.17          1
                                       7.000          1,868.77        106
                                       6.750          1,868.77
    FONTANA          CA   92336          1            12/18/02         23
    0435168117                           05           02/01/03          0
    60020264                             O            01/01/33
    0

    8313499          588/G01             F          168,950.00         ZZ
                                         360        168,716.70          1
                                       7.875          1,225.00        106
                                       7.625          1,225.00
    WILLOW GROVE     PA   19090          1            12/11/02         23
    0435154117                           05           02/01/03          0
    1081062                              O            01/01/33
    0

    8313501          X67/G01             F          234,000.00         ZZ
                                         360        233,676.88          1
                                       7.875          1,696.66        103
                                       7.625          1,696.66
    CHESAPEAKE       VA   23322          5            11/27/02         23
    0435294533                           05           02/01/03          0
    00241364                             O            01/01/33
    0
1

    8313505          S53/G01             F          224,600.00         ZZ
                                         360        224,326.35          1
                                       8.490          1,725.39        107
                                       8.240          1,725.39
    ARVADA           CO   80003          5            12/23/02         23
    0435168778                           05           02/01/03          0
    9841289                              O            01/01/33
    0

    8313521          U35/G01             F          150,000.00         ZZ
                                         360        149,831.18          1
                                       8.875          1,193.47        100
                                       8.625          1,193.47
    MERRILLVILLE     IN   46410          1            12/23/02         23
    0435164710                           05           02/01/03          0
    10380318                             O            01/01/33
    0

    8313533          642/G01             F          152,600.00         ZZ
                                         360        152,383.89          1
                                       7.750          1,093.25        103
                                       7.500          1,093.25
    LAWTON           OK   73507          5            12/20/02         23
    0435155783                           03           02/01/03          0
    11108602                             O            01/01/33
    0

    8313537          N67/G01             F          242,950.00         ZZ
                                         180        242,639.10          1
                                       8.250          1,825.20        103
                                       8.000          1,825.20
    HUNTLEY          IL   60142          1            12/20/02         23
    0435142203                           05           02/01/03          0
    3261002018                           O            01/01/18
    0

    8313545          940/G01             F           50,000.00         ZZ
                                         360         49,927.39          1
                                       7.625            353.90        107
                                       7.375            353.90
    HIGHLAND         CA   92346          1            12/15/02         23
    0435145818                           01           02/01/03          0
    40021157                             O            01/01/33
    0

    8313559          P59/G01             F          158,620.00         ZZ
                                         360        158,432.03          1
1

                                       8.625          1,233.73        103
                                       8.375          1,233.73
    ATASCADERO       CA   93422          1            12/18/02         23
    0435155171                           01           02/01/03          0
    004816                               O            01/01/33
    0

    8313783          U28/G01             F          339,000.00         ZZ
                                         360        338,618.49          1
                                       8.875          2,697.24        103
                                       8.625          2,697.24
    ACWORTH          GA   30102          5            12/16/02         23
    0435172796                           05           02/01/03          0
    2000007335                           O            01/01/33
    0

    8313791          H76/G01             F          115,000.00         ZZ
                                         360        114,827.09          1
                                       9.125            935.68        102
                                       8.875            935.68
    SEVIERVILLE      TN   37862          5            12/18/02         23
    0435168976                           05           02/01/03          0
    2002-460634                          O            01/01/33
    0

    8313871          588/G01             F          194,000.00         ZZ
                                         360        193,688.81          1
                                       7.125          1,307.01        102
                                       6.875          1,307.01
    HYATTSVILLE      MD   20785          1            12/11/02         23
    0435155155                           05           02/01/03          0
    1082530                              O            01/01/33
    0

    8313879          588/G01             F          189,000.00         ZZ
                                         360        188,595.84          1
                                       7.750          1,354.02        104
                                       7.500          1,354.02
    WOODBRIDGE       VA   22192          1            11/15/02         23
    0435164934                           09           01/01/03          0
    1081029                              O            12/01/32
    0

    8313887          R17/G01             F           92,550.00         ZZ
                                         360         92,342.67          1
                                       7.500            647.12        102
                                       7.250            647.12
    MESA             AZ   85201          1            11/20/02         23
    0435423983                           03           01/01/03          0
1

    1000174530                           O            12/01/32
    0

    8313975          B57/G01             F           82,650.00         ZZ
                                         360         82,549.50          1
                                       8.500            635.51         95
                                       8.250            635.51
    GLENDALE         AZ   85301          1            12/10/02         23
    0435222864                           07           02/01/03          0
    20001159                             N            01/01/33
    0

    8314047          N46/G01             F          180,250.00         ZZ
                                         360        180,001.09          1
                                       7.875          1,306.94        100
                                       7.625          1,306.94
    REIDSVILLE       NC   27320          1            12/20/02         23
    0435158878                           05           02/01/03          0
    97671401                             O            01/01/33
    0

    8314051          R84/G01             F          185,915.00         ZZ
                                         360        185,638.20          1
                                       7.500          1,299.94        103
                                       7.250          1,299.94
    HILLSBORO        OR   97123          1            12/20/02         23
    0435170220                           05           02/01/03          0
    LVW5011                              O            01/01/33
    0

    8314085          U35/G01             F          130,000.00         ZZ
                                         360        129,820.49          1
                                       7.875            942.59        100
                                       7.625            942.59
    MILTON           WI   53563          1            12/20/02         23
    0435164652                           01           02/01/03          0
    10399861                             O            01/01/33
    0

    8314099          M37/G01             F          291,000.00         ZZ
                                         360        290,712.59          1
                                       9.500          2,446.89         97
                                       9.250          2,446.89
    GILLETTE         WY   82718          1            12/13/02         23
    0435194162                           05           02/01/03          0
    610295                               O            01/01/33
    0

1

    8314101          U35/G01             F           37,595.00         ZZ
                                         360         37,546.89          1
                                       8.250            282.44        103
                                       8.000            282.44
    SILVIS           IL   61282          1            12/19/02         23
    0435169834                           05           02/01/03          0
    10376298                             O            01/01/33
    0

    8314139          M45/G01             F          165,000.00         ZZ
                                         360        164,733.94          1
                                       9.125          1,342.50        102
                                       8.875          1,342.50
    DAKOTA DUNES     SD   57049          1            11/22/02         23
    0435176250                           05           01/01/03          0
    A0397972                             O            12/01/32
    0

    8314141          G34/G01             F          201,600.00         ZZ
                                         360        201,284.51          1
                                       7.250          1,375.27        103
                                       7.000          1,375.27
    HENDERSON        NV   89052          1            12/19/02         23
    0435166111                           05           02/01/03          0
    39012319                             O            01/01/33
    0

    8314149          E57/G01             F          359,200.00         ZZ
                                         360        358,678.38          1
                                       7.625          2,542.40        105
                                       7.375          2,542.40
    DUARTE           CA   91010          1            12/04/02         23
    0435241187                           05           02/01/03          0
    13004270                             O            01/01/33
    0

    8314161          R65/G01             F          165,000.00         ZZ
                                         360        164,630.34          1
                                       7.500          1,153.70        107
                                       7.250          1,153.70
    OLNEY            MD   20832          1            12/02/02         23
    0435144431                           05           01/01/03          0
    4194537219                           O            12/01/32
    0

    8314179          R65/G01             F          144,450.00         ZZ
                                         360        144,118.23          1
                                       7.375            997.68        107
                                       7.125            997.68
1

    MYERSTOWN        PA   17067          5            11/29/02         23
    0435144365                           05           01/01/03          0
    4195297209                           O            12/01/32
    0

    8314639          E22/G01             F           86,005.00         ZZ
                                         360         85,924.41          1
                                       9.750            738.92        103
                                       9.250            738.92
    NEWPORT NEWS     VA   23608          1            12/26/02         23
    0415003128                           01           02/01/03          0
    0415003128                           O            01/01/33
    0

    8314667          E22/G01             F          152,440.00         ZZ
                                         360        152,315.00          1
                                      10.375          1,380.20        103
                                       9.875          1,380.20
    CHICAGO          IL   60620          1            12/27/02         23
    0415284439                           05           02/01/03          0
    0415284439                           O            01/01/33
    0

    8314695          E22/G01             F          246,100.00         ZZ
                                         360        245,760.15          1
                                       7.875          1,784.40        107
                                       7.375          1,784.40
    SACRAMENTO       CA   95828          2            12/17/02         23
    0415447085                           05           02/01/03          0
    0415447085                           O            01/01/33
    0

    8314699          E22/G01             F          185,000.00         ZZ
                                         360        184,744.53          1
                                       7.875          1,341.38        100
                                       7.375          1,341.38
    CITRUS HEIGHTS   CA   95610          1            12/17/02         23
    0415468602                           05           02/01/03          0
    0415468602                           O            01/01/33
    0

    8314713          E22/G01             F          281,300.00         ZZ
                                         360        280,957.97          1
                                       8.500          2,162.95         97
                                       8.000          2,162.95
    LONGMONT         CO   80501          1            12/27/02         23
    0415521814                           03           02/01/03          0
    0415521814                           O            01/01/33
    0
1

    8314717          E22/G01             F           79,200.00         ZZ
                                         360         79,110.87          1
                                       8.875            630.15        103
                                       8.625            630.15
    MESQUITE         TX   75150          1            12/24/02         23
    0415528074                           05           02/01/03          0
    0415528074                           O            01/01/33
    0

    8314743          E22/G01             F          249,900.00         ZZ
                                         360        249,625.98          1
                                       9.000          2,010.75        100
                                       8.750          2,010.75
    HUFFMAN          TX   77336          1            12/27/02         23
    0415606011                           03           02/01/03          0
    0415606011                           O            01/01/33
    0

    8314749          E22/G01             F          118,000.00         ZZ
                                         360        117,837.06          1
                                       7.875            855.58        104
                                       7.625            855.58
    MURFREESBORO     TN   37127          1            12/26/02         23
    0415617711                           05           02/01/03          0
    0415617711                           O            01/01/33
    0

    8314755          E22/G01             F           89,198.00         ZZ
                                         360         89,105.16          1
                                       9.250            733.81        103
                                       8.750            733.81
    CHEYENNE         WY   82007          1            12/27/02         23
    0415631977                           05           02/01/03          0
    0415631977                           O            01/01/33
    0

    8314783          E22/G01             F          149,000.00         ZZ
                                         360        148,832.32          1
                                       8.875          1,185.51        100
                                       8.375          1,185.51
    ATHOL            ID   83801          1            12/20/02         23
    0415687482                           05           02/01/03          0
    0415687482                           O            01/01/33
    0

    8314821          E22/G01             F          297,600.00         ZZ
                                         360        297,349.33          2
1

                                      10.250          2,666.80        103
                                       9.750          2,666.80
    CHICAGO          IL   60639          1            12/27/02         23
    0415742402                           05           02/01/03          0
    0415742402                           O            01/01/33
    0

    8314851          G75/G01             F          139,050.00         ZZ
                                         360        138,853.07          1
                                       7.750            996.18        103
                                       7.500            996.18
    WOODBRIDGE       VA   22191          1            12/06/02         23
    0435161708                           01           02/01/03          0
    04875944                             O            01/01/33
    0

    8315027          G75/G01             F          136,950.00         ZZ
                                         360        136,650.72          1
                                       7.625            969.33        103
                                       7.375            969.33
    LAWRENCEVILLE    NJ   08648          1            11/29/02         23
    0435146592                           01           01/01/03          0
    04899057                             O            12/01/32
    0

    8315535          U42/G01             F           70,395.00         ZZ
                                         360         70,310.04          1
                                       8.625            547.53         95
                                       8.375            547.53
    GRAND PRAIRIE    TX   75051          1            12/06/02         12
    0435156104                           05           02/01/03         30
    24201524                             N            01/01/33
    0

    8315591          685/G01             F          226,000.00         ZZ
                                         360        225,663.51          1
                                       7.500          1,580.22         97
                                       7.250          1,580.22
    DOUGLAS FLAT     CA   95229          5            12/12/02         23
    0435143110                           05           02/01/03          0
    132283                               O            01/01/33
    0

    8315869          G75/G01             F          117,100.00         ZZ
                                         360        116,934.77          1
                                       9.750          1,006.07        100
                                       9.500          1,006.07
    SOUTHGATE        MI   48195          5            11/14/02         23
    0435170147                           05           01/01/03          0
1

    04792431                             O            12/01/32
    0

    8316053          H76/G01             F           79,250.00         ZZ
                                         360         79,160.81          1
                                       8.875            630.55        103
                                       8.625            630.55
    CLINTON          MO   64735          5            12/17/02         23
    0435187919                           05           02/01/03          0
    2002-456373                          O            01/01/33
    0

    8316063          N74/G01             F          223,500.00         ZZ
                                         360        223,290.61          1
                                       9.750          1,920.21        103
                                       9.250          1,920.21
    OREM             UT   84058          1            12/20/02         23
    0435191507                           05           02/01/03          0
    0031380010                           O            01/01/33
    0

    8316183          696/G01             F          275,600.00         ZZ
                                         360        275,120.82          1
                                       8.750          2,168.15        100
                                       8.500          2,168.15
    JOPPA            MD   21085          1            11/26/02         23
    0435143862                           03           01/01/03          0
    30102210                             O            12/01/32
    0

    8316193          737/G01             F          267,550.00         ZZ
                                         360        267,312.30          1
                                      10.000          2,347.94        103
                                       9.750          2,347.94
    VINELAND         NJ   08360          5            12/18/02         23
    0435182274                           05           02/01/03          0
    2093513                              O            01/01/33
    0

    8316235          Q14/G01             F          220,420.00         ZZ
                                         360        220,123.23          1
                                       8.000          1,617.36        107
                                       7.750          1,617.36
    GLENDALE         AZ   85310          5            12/17/02         23
    0435164538                           05           02/01/03          0
    0000209359                           O            01/01/33
    0

1

    8316257          M24/G01             F          261,550.00         ZZ
                                         360        261,231.99          1
                                       8.500          2,011.09        103
                                       8.250          2,011.09
    SPARKS           NV   89434          1            12/16/02         23
    0435208707                           05           02/01/03          0
    237206798                            O            01/01/33
    0

    8316315          737/G01             F          169,060.00         ZZ
                                         360        168,788.80          1
                                       7.125          1,138.99        107
                                       6.875          1,138.99
    GILBERT          AZ   85297          1            12/20/02         23
    0435173091                           05           02/01/03          0
    2100546                              O            01/01/33
    0

    8316483          642/G01             F          168,090.00         ZZ
                                         360        167,826.95          1
                                       7.250          1,146.67        107
                                       7.000          1,146.67
    HUMMELSTOWN      PA   17036          1            12/27/02         23
    0435153945                           09           02/01/03          0
    11178802                             O            01/01/33
    0

    8316693          G75/G01             F          154,500.00         ZZ
                                         360        154,238.21          1
                                       8.875          1,229.28        103
                                       8.625          1,229.28
    BATAVIA          OH   45103          5            11/14/02         23
    0435159405                           05           01/01/03          0
    04865703                             O            12/01/32
    0

    8316835          F64/G01             F          230,050.00         ZZ
                                         360        229,732.32          1
                                       7.875          1,668.02        107
                                       7.625          1,668.02
    LAUREL           MD   20708          1            12/20/02         23
    0435168489                           09           02/01/03          0
    150000867                            O            01/01/33
    0

    8316921          X82/G01             F          144,200.00         ZZ
                                         360        144,037.72          1
                                       8.875          1,147.32        103
                                       8.625          1,147.32
1

    STERLING         VA   20165          1            12/23/02         23
    0435160262                           03           02/01/03          0
    839108                               O            01/01/33
    0

    8317045          G75/G01             F          167,700.00         ZZ
                                         360        167,295.27          1
                                       7.125          1,129.83        106
                                       6.875          1,129.83
    WAYNE            PA   19087          1            11/27/02         23
    0435156146                           01           01/01/03          0
    04918073                             O            12/01/32
    0

    8317743          G75/G01             F          212,000.00         T
                                         360        211,475.60          1
                                       7.000          1,410.45        106
                                       6.750          1,410.45
    HARVEYS LAKE     PA   18618          1            11/19/02         23
    0435178363                           05           01/01/03          0
    04884258                             O            12/01/32
    0

    8317897          R80/G01             F          179,750.00         ZZ
                                         360        179,501.79          1
                                       7.875          1,303.31        106
                                       7.625          1,303.31
    TUCSON           AZ   85742          2            12/16/02         23
    0435156641                           05           02/01/03          0
    43202                                O            01/01/33
    0

    8318041          588/G01             F          179,900.00         ZZ
                                         360        179,444.00          1
                                       6.875          1,181.81        100
                                       6.625          1,181.81
    BURTONSVILLE     MD   20866          1            11/27/02         23
    0435236492                           05           01/01/03          0
    1080987                              O            12/01/32
    0

    8318173          964/G01             F          139,550.00         ZZ
                                         360        139,264.16          1
                                       7.500            975.75        103
                                       7.250            975.75
    NORTH LAS VEGAS  NV   89031          2            12/05/02         23
    0435158308                           05           02/01/03          0
    291969                               O            01/01/33
    0
1

    8318217          588/G01             F          152,750.00         ZZ
                                         360        152,280.76          1
                                       7.375          1,055.01        105
                                       7.125          1,055.01
    CLAYMONT         DE   19703          1            10/25/02         23
    0435162904                           05           12/01/02          0
    1077712                              O            11/01/32
    0

    8318293          588/G01             F          211,950.00         ZZ
                                         360        210,949.34          1
                                       7.625          1,500.17        104
                                       7.375          1,500.17
    CENTREVILLE      VA   20121          1            10/30/02         23
    0435284179                           09           12/01/02          0
    0001079037                           O            11/01/32
    0

    8318335          P48/G01             F          165,000.00         ZZ
                                         360        164,819.06          1
                                       9.000          1,327.63        100
                                       8.750          1,327.63
    WHEAT RIDGE      CO   80033          1            12/23/02         23
    0435167002                           05           02/01/03          0
    10404336                             O            01/01/33
    0

    8318341          E86/G01             F          216,197.00         ZZ
                                         360        215,647.59          1
                                       8.750          1,700.82        103
                                       8.500          1,700.82
    SIGNAL HILL      CA   90755          1            11/22/02         23
    0435158829                           01           01/01/03          0
    0220093                              O            12/01/32
    0

    8318351          Q64/G01             F          108,800.00         ZZ
                                         360        108,642.00          1
                                       7.625            770.08         99
                                       7.375            770.08
    KISSIMMEE        FL   34758          1            12/20/02         23
    0435169677                           03           02/01/03          0
    0105789903                           O            01/01/33
    0

    8318359          P29/G01             F           68,600.00         ZZ
                                         180         68,307.07          1
1

                                       8.625            533.56        103
                                       8.375            533.56
    CONRAD           IA   50621          5            12/20/02         23
    0435172077                           05           02/01/03          0
    10411565                             O            01/01/18
    0

    8318439          Q14/G01             F          133,650.00         ZZ
                                         360        133,465.43          1
                                       7.875            969.06         99
                                       7.625            969.06
    MESA             AZ   85212          5            12/19/02         23
    0435155007                           03           02/01/03          0
    0000210149                           O            01/01/33
    0

    8318457          B57/G01             F          135,880.00         ZZ
                                         360        135,677.68          1
                                       7.500            950.09        103
                                       7.250            950.09
    PHOENIX          AZ   85043          1            12/03/02         23
    0435172606                           05           02/01/03          0
    20001085                             O            01/01/33
    0

    8318493          S20/G01             F           86,000.00         ZZ
                                         360         85,869.97          1
                                       7.990            630.44        100
                                       7.740            630.44
    ANDERSON         SC   29626          2            12/09/02         23
    0435166210                           05           02/01/03          0
    0206741                              O            01/01/33
    0

    8318511          N74/G01             F          123,500.00         ZZ
                                         360        123,273.95          1
                                       8.500            949.61         95
                                       8.250            949.61
    FOUNTAIN INN     SC   29644          1            12/19/02         23
    0435191481                           05           01/19/03          0
    0031390010                           N            12/19/32
    0

    8318541          588/G01             F          181,350.00         ZZ
                                         360        180,912.34          1
                                       7.125          1,221.79        107
                                       6.875          1,221.79
    GERMANTOWN       MD   20874          1            11/22/02         23
    0435162342                           03           01/01/03          0
1

    1081391                              O            12/01/32
    0

    8318619          588/G01             F          396,000.00         ZZ
                                         360        395,453.17          1
                                       7.875          2,871.27         99
                                       7.625          2,871.27
    YONKERS          NY   10701          1            12/04/02         23
    0435160692                           05           02/01/03          0
    1081512                              O            01/01/33
    0

    8319011          408/G01             F           47,975.00         ZZ
                                         360         47,880.19          1
                                       8.125            356.22         95
                                       7.875            356.22
    FLORENCE         AL   35630          1            11/15/02         23
    0435172028                           05           01/01/03          0
    703031022                            N            12/01/32
    0

    8319013          B43/G01             F          108,900.00         ZZ
                                         360        108,775.90          1
                                      10.750          1,016.56         99
                                      10.250          1,016.56
    CASPER           WY   82604          5            11/22/02         23
    0435209036                           05           01/01/03          0
    30151                                O            12/01/32
    0

    8319093          L20/G01             F          133,900.00         ZZ
                                         360        133,749.31          1
                                       8.875          1,065.37        103
                                       8.625          1,065.37
    FRUITLAND        ID   83619          1            12/23/02         23
    0435164694                           05           02/01/03          0
    1151070014                           O            01/01/33
    0

    8319495          642/G01             F          108,500.00         ZZ
                                         360        108,293.23          1
                                       7.500            758.65        105
                                       7.250            758.65
    LANSING          MI   48910          5            12/17/02         23
    0435153853                           05           02/01/03          0
    11176402                             O            01/01/33
    0

1

    8319535          P01/G01             F          132,870.00         ZZ
                                         360        132,724.29          1
                                       9.000          1,069.11        103
                                       8.750          1,069.11
    ALBANY           NY   12203          1            12/11/02         23
    0435187844                           05           02/01/03          0
    02003260                             O            01/01/33
    0

    8319573          W53/G01             F          191,800.00         ZZ
                                         360        191,492.31          1
                                       7.125          1,292.20        104
                                       6.875          1,292.20
    RANCHO CUCAMONG  CA   91730          1            12/12/02         23
    0435429790                           01           02/01/03          0
    1501102051                           O            01/01/33
    0

    8319587          K15/G01             F          135,900.00         ZZ
                                         360        135,743.05          1
                                       8.750          1,069.13        103
                                       8.500          1,069.13
    KENTWOOD         MI   49508          5            12/20/02         23
    0435163464                           05           02/01/03          0
    035905507831                         O            01/01/33
    0

    8319591          U45/G01             F          212,850.00         ZZ
                                         360        211,469.16          1
                                       9.250          1,751.06         99
                                       8.750          1,751.06
    LOS ANGELES      CA   90047          1            12/24/02         23
    0435164884                           05           02/01/03          0
    0002402362                           O            01/01/33
    0

    8319667          Q78/G01             F          156,755.00         ZZ
                                         360        156,543.50          1
                                       7.990          1,149.13        107
                                       7.740          1,149.13
    ANTIOCH          TN   37013          5            12/13/02         23
    0435170238                           05           02/01/03          0
    719318                               O            01/01/33
    0

    8319675          G27/G01             F           87,500.00         ZZ
                                         360         87,344.05          1
                                       7.500            611.81        100
                                       7.250            611.81
1

    PALMDALE         CA   93550          1            12/16/02         23
    0435136700                           09           02/01/03          0
    25902011                             O            01/01/33
    0

    8319745          F89/G01             F          139,650.00         ZZ
                                         360        139,457.15          2
                                       7.875          1,012.56         95
                                       7.625          1,012.56
    MADERA           CA   93638          1            12/23/02         23
    0435171624                           05           02/01/03          0
    24802                                N            01/01/33
    0

    8319747          X83/G01             F          272,376.00         ZZ
                                         360        271,556.65          1
                                       7.875          1,974.92        103
                                       7.625          1,974.92
    TEMPERANCE       MI   48144          1            12/20/02         23
    0435172549                           05           01/20/03          0
    8400541                              O            12/20/32
    0

    8319771          F89/G01             F          139,650.00         ZZ
                                         360        139,457.15          2
                                       7.875          1,012.56         95
                                       7.625          1,012.56
    MADERA           CA   93638          1            12/23/02         23
    0435171665                           05           02/01/03          0
    24796                                N            01/01/33
    0

    8319777          J40/G01             F          121,437.00         ZZ
                                         360        121,310.61          1
                                       9.250            999.03        103
                                       9.000            999.03
    TAMPA            FL   33611          1            12/26/02         23
    0435182506                           05           02/01/03          0
    1111706                              O            01/01/33
    0

    8319823          J40/G01             F           98,901.00         ZZ
                                         360         98,795.34          1
                                       9.125            804.69         99
                                       8.875            804.69
    ELIZABETHTOWN    KY   42701          1            12/26/02         23
    0435297478                           05           02/01/03          0
    1109909                              O            01/01/33
    0
1

    8319825          Q64/G01             F          145,500.00         ZZ
                                         180        145,299.07          1
                                       7.875          1,054.98        104
                                       7.625          1,054.98
    COLUMBIA         MD   21045          1            12/20/02         23
    0435280201                           09           02/01/03          0
    0105610307                           O            01/01/18
    0

    8319835          X47/G01             F           87,600.00         ZZ
                                         360         87,501.41          1
                                       8.875            696.98        100
                                       8.625            696.98
    CORPUS CHRISTI   TX   78415          1            12/12/02         23
    0435134036                           05           02/01/03          0
    K11433                               O            01/01/33
    0

    8319851          Q14/G01             F          123,500.00         ZZ
                                         360        123,371.47          1
                                       9.250          1,016.00        103
                                       9.000          1,016.00
    GLENDALE         AZ   85303          5            12/23/02         23
    0435165667                           03           02/01/03          0
    0000210589                           O            01/01/33
    0

    8319865          X47/G01             F           80,200.00         ZZ
                                         360         80,107.39          1
                                       8.750            630.93         95
                                       8.500            630.93
    LAREDO           TX   78045          1            12/16/02         23
    0435135272                           05           02/01/03          0
    K11491                               O            01/01/33
    0

    8320139          W45/G01             F          270,890.00         ZZ
                                         360        270,444.61          1
                                       7.000          1,802.24        103
                                       6.750          1,802.24
    LOS ANGELES      CA   90041          1            12/28/02         23
    0435216320                           05           02/01/03          0
    02103117440                          O            01/01/33
    0

    8320151          Q78/G01             F          154,080.00         ZZ
                                         360        153,850.59          1
1

                                       7.500          1,077.35        107
                                       7.250          1,077.35
    CHARLOTTE        NC   28273          2            12/13/02         23
    0435279880                           05           02/01/03          0
    718672                               O            01/01/33
    0

    8320331          Q78/G01             F          115,600.00         ZZ
                                         360        115,448.25          1
                                       8.125            858.33        105
                                       7.875            858.33
    HOPEWELL         VA   23860          2            12/09/02         23
    0435277769                           05           02/01/03          0
    719780                               O            01/01/33
    0

    8320609          Q78/G01             F          146,265.00         ZZ
                                         360        146,047.22          1
                                       7.500          1,022.71        105
                                       7.250          1,022.71
    MONONGAHELA      PA   15063          1            12/13/02         23
    0435170139                           05           02/01/03          0
    719514                               O            01/01/33
    0

    8320623          E22/G01             F          250,450.00         ZZ
                                         360        250,067.67          1
                                       7.375          1,729.80        107
                                       6.875          1,729.80
    HATFIELD         PA   19440          1            12/30/02         23
    0415652304                           05           02/01/03          0
    0415652304                           O            01/01/33
    0

    8320661          E22/G01             F          236,500.00         ZZ
                                         360        236,226.87          1
                                       8.750          1,860.55        101
                                       8.500          1,860.55
    PINCKNEY         MI   48169          2            12/23/02         00
    0415683820                           29           02/01/03          0
    0415683820                           O            01/01/33
    0

    8320709          E22/G01             F          131,325.00         ZZ
                                         360        131,152.62          1
                                       8.125            975.08        103
                                       7.875            975.08
    CHICAGO          IL   60624          5            12/23/02         23
    0415704527                           05           02/01/03          0
1

    0415704527                           O            01/01/33
    0

    8320733          X67/G01             F          147,550.00         ZZ
                                         360        147,383.96          1
                                       8.875          1,173.97        103
                                       8.625          1,173.97
    VIRGINA BEACH    VA   23456          5            12/09/02         23
    0435146709                           03           02/01/03          0
    00241351                             O            01/01/33
    0

    8320763          E22/G01             F          130,800.00         ZZ
                                         360        130,632.61          1
                                       8.250            982.66        100
                                       8.000            982.66
    MIAMI            FL   33183          1            12/30/02         23
    0415711746                           09           02/01/03          0
    0415711746                           O            01/01/33
    0

    8320769          R84/G01             F          135,200.00         ZZ
                                         360        134,993.62          1
                                       7.375            933.79        104
                                       7.125            933.79
    TACOMA           WA   98422          1            12/02/02         23
    0435137294                           05           02/01/03          0
    WA901197                             O            01/01/33
    0

    8320807          U05/G01             F          229,000.00         ZZ
                                         360        228,614.12          1
                                       6.875          1,504.37        103
                                       6.625          1,504.37
    MONTGOMERY       AL   36116          5            12/11/02         23
    0435153762                           05           02/01/03          0
    3284853                              O            01/01/33
    0

    8320817          E22/G01             F          219,885.00         ZZ
                                         360        219,603.62          1
                                       8.250          1,651.92        107
                                       7.750          1,651.92
    EVERETT          WA   98208          9            12/23/02         23
    0415728732                           05           02/01/03          0
    0415728732                           O            01/01/33
    0

1

    8320831          E22/G01             F          219,000.00         ZZ
                                         360        218,705.14          1
                                       8.000          1,606.94        105
                                       7.750          1,606.94
    GRAND BLANC      MI   48439          5            12/23/02         23
    0415730563                           05           02/01/03          0
    0415730563                           O            01/01/33
    0

    8320839          E22/G01             F           64,800.00         ZZ
                                         360         64,708.22          1
                                       7.750            464.24        105
                                       7.500            464.24
    BUCHANAN         VA   24066          1            12/30/02         23
    0415785781                           05           02/01/03          0
    0415785781                           O            01/01/33
    0

    8320849          E22/G01             F          119,900.00         ZZ
                                         360        119,738.57          1
                                       8.000            879.78        105
                                       7.500            879.78
    FORT MYERS       FL   33912          1            12/30/02         23
    0415802677                           05           02/01/03          0
    0415802677                           O            01/01/33
    0

    8320915          E22/G01             F          157,000.00         ZZ
                                         360        156,770.72          1
                                       8.000          1,152.01        100
                                       7.750          1,152.01
    SACRAMENTO       CA   95824          1            12/17/02         23
    0415755909                           05           02/01/03          0
    0415755909                           O            01/01/33
    0

    8320923          E22/G01             F          276,040.00         ZZ
                                         360        275,607.28          1
                                       7.750          1,977.58        103
                                       7.250          1,977.58
    FOLSOM           CA   95630          1            12/24/02         23
    0415756162                           05           02/01/03          0
    0415756162                           O            01/01/33
    0

    8320931          642/G01             F          144,000.00         ZZ
                                         360        143,790.90          1
                                       7.625          1,019.22        107
                                       7.375          1,019.22
1

    LITTLESTOWN      PA   17340          2            12/23/02         23
    0435155247                           05           02/01/03          0
    11137702                             O            01/01/33
    0

    8320941          K15/G01             F          254,200.00         ZZ
                                         360        253,948.95          1
                                       9.500          2,137.45        102
                                       9.250          2,137.45
    PUYALLUP         WA   98375          5            11/29/02         23
    0435198692                           03           02/01/03          0
    040500111516                         O            01/01/33
    0

    8320949          E22/G01             F          145,000.00         ZZ
                                         360        144,784.11          1
                                       7.500          1,013.86        105
                                       7.250          1,013.86
    MASSILLON        OH   44646          1            12/30/02         23
    0415771989                           05           02/01/03          0
    0415771989                           O            01/01/33
    0

    8320963          E22/G01             F          198,790.00         ZZ
                                         360        197,196.36          1
                                       7.500          1,389.97        103
                                       7.250          1,389.97
    ARVADA           CO   80003          1            12/30/02         23
    0414834663                           05           02/01/03          0
    0414834663                           O            01/01/33
    0

    8321069          E22/G01             F          151,726.00         ZZ
                                         360        151,505.66          1
                                       7.625          1,073.91        107
                                       7.125          1,073.91
    MOLALLA          OR   97038          1            12/23/02         23
    0415303536                           05           02/01/03          0
    0415303536                           O            01/01/33
    0

    8321103          808/G01             F          234,000.00         ZZ
                                         360        233,684.93          1
                                       8.000          1,717.01        100
                                       7.750          1,717.01
    VAN NUYS         CA   91406          1            12/02/02         23
    0435170022                           05           02/01/03          0
    9505953                              O            01/01/33
    0
1

    8321123          E22/G01             F           71,775.00         ZZ
                                         360         71,687.73          1
                                       8.500            551.89         99
                                       8.000            551.89
    OMAHA            NE   68107          1            12/30/02         23
    0415373356                           05           02/01/03          0
    0415373356                           O            01/01/33
    0

    8321173          T23/G01             F          133,000.00         ZZ
                                         360        132,802.18          1
                                       9.500          1,118.34        103
                                       9.250          1,118.34
    NEWARK           OH   43055          2            12/26/02         23
    0435175492                           05           01/31/03          0
    5925                                 O            12/31/32
    0

    8321221          K15/G01             F          102,900.00         ZZ
                                         360        102,724.54          1
                                       8.500            791.21        103
                                       8.250            791.21
    NEWPORT          KY   41071          5            12/23/02         23
    0435157128                           05           02/01/03          0
    028105304545                         O            01/01/33
    0

    8321253          E22/G01             F           90,770.00         ZZ
                                         360         90,650.86          1
                                       8.125            673.96        107
                                       7.625            673.96
    NORTH PORT       FL   34287          2            12/24/02         23
    0415556075                           05           02/01/03          0
    0415556075                           O            01/01/33
    0

    8321307          E22/G01             F          193,700.00         ZZ
                                         360        193,487.60          1
                                       9.000          1,558.56        100
                                       8.500          1,558.56
    WILSON           NC   27893          1            12/13/02         23
    0415597756                           05           02/01/03          0
    0415597756                           O            01/01/33
    0

    8321319          Q78/G01             F          171,000.00         ZZ
                                         360        170,808.54          1
1

                                       9.125          1,391.32         94
                                       8.875          1,391.32
    ORLAND PARK      IL   60462          1            12/23/02         23
    0435165014                           05           02/01/03          0
    720604                               O            01/01/33
    0

    8321333          R17/G01             F          127,700.00         ZZ
                                         360        127,422.54          1
                                       7.375            882.00        101
                                       7.125            882.00
    MESA             AZ   85208          1            12/10/02         23
    0435279849                           09           02/01/03          0
    100157079                            O            01/01/33
    0

    8321391          Q78/G01             F           48,500.00         ZZ
                                         360         48,384.23          1
                                       7.990            355.54         76
                                       7.740            355.54
    CHERAW           SC   29520          1            12/23/02         23
    0435162102                           05           02/01/03          0
    721216                               O            01/01/33
    0

    8321455          588/G01             F          206,000.00         ZZ
                                         360        205,774.12          1
                                       9.000          1,657.52        103
                                       8.750          1,657.52
    DUMFRIES         VA   22026          1            12/06/02         23
    0435182613                           09           02/01/03          0
    1082703                              O            01/01/33
    0

    8321491          642/G01             F          184,800.00         ZZ
                                         360        184,531.65          1
                                       7.625          1,308.00        104
                                       7.375          1,308.00
    VALLEJO          CA   94589          1            12/19/02         23
    0435393467                           01           02/01/03          0
    11101202                             O            01/01/33
    0

    8321521          B57/G01             F          300,000.00         ZZ
                                         360        299,575.15          1
                                       7.750          2,149.24        100
                                       7.500          2,149.24
    PASADENA         CA   91104          1            12/09/02         23
    0435187893                           05           02/01/03          0
1

    10007669                             O            01/01/33
    0

    8321531          588/G01             F          292,500.00         ZZ
                                         360        291,776.51          1
                                       7.000          1,946.01        106
                                       6.750          1,946.01
    SILVER SPRING    MD   20902          1            11/15/02         23
    0435163498                           05           01/01/03          0
    1080505                              O            12/01/32
    0

    8321535          K15/G01             F          214,200.00         ZZ
                                         360        214,019.59          1
                                      10.250          1,919.45        103
                                       9.750          1,919.45
    HICKORY          NC   28602          2            12/26/02         23
    0435161724                           05           02/01/03          0
    017405507959                         O            01/01/33
    0

    8321553          B43/G01             F          144,200.00         ZZ
                                         360        144,061.29          1
                                       9.625          1,225.68        103
                                       9.375          1,225.68
    ABSECON          NJ   08201          1            12/23/02         23
    0435188651                           05           02/01/03          0
    31500                                O            01/01/33
    0

    8321561          588/G01             F          208,650.00         ZZ
                                         360        208,331.50          1
                                       7.375          1,441.09        107
                                       7.125          1,441.09
    SILVER SPRING    MD   20904          1            12/12/02         23
    0435172341                           01           02/01/03          0
    1083089                              O            01/01/33
    0

    8321573          588/G01             F          144,500.00         ZZ
                                         360        144,305.44          1
                                       8.000          1,060.29        100
                                       7.750          1,060.29
    FREDERICKSBURG   VA   22406          1            12/18/02         23
    0435169842                           05           02/01/03          0
    1082734                              O            01/01/33
    0

1

    8321591          G34/G01             F          159,250.00         ZZ
                                         360        159,030.10          1
                                       7.875          1,154.67        103
                                       7.625          1,154.67
    HENDERSON        NV   89074          1            12/18/02         23
    0435169263                           05           02/01/03          0
    39072283                             O            01/01/33
    0

    8321595          588/G01             F          122,750.00         ZZ
                                         360        122,446.37          1
                                       7.000            816.66        107
                                       6.750            816.66
    FREDERICK        MD   21703          1            11/18/02         23
    0435168836                           05           01/01/03          0
    1078489                              O            12/01/32
    0

    8321623          U77/G01             F           70,620.00         ZZ
                                         360         70,536.30          1
                                       8.625            549.28        107
                                       8.375            549.28
    FORT WAYNE       IN   46806          2            12/20/02         23
    0435169206                           05           02/01/03          0
    02120260                             O            01/01/33
    0

    8321631          588/G01             F          101,150.00         ZZ
                                         360        100,911.85          1
                                       7.250            690.02        106
                                       7.000            690.02
    SMYRNA           DE   19977          1            11/22/02         23
    0435185079                           05           01/01/03          0
    1066665                              O            12/01/32
    0

    8321655          M45/G01             F          106,400.00         ZZ
                                         360        106,256.73          1
                                       8.000            780.73         95
                                       7.750            780.73
    PITTSBURGH       PA   15223          1            12/18/02         23
    0435174065                           05           02/01/03          0
    A0404819                             N            01/01/33
    0

    8321737          Q78/G01             F          123,600.00         ZZ
                                         360        123,474.67          1
                                       9.375          1,028.05        100
                                       9.125          1,028.05
1

    MUNCY            PA   17756          5            12/13/02         23
    0435281431                           05           02/01/03          0
    718790                               O            01/01/33
    0

    8321777          N67/G01             F           85,000.00         ZZ
                                         360         84,891.22          1
                                       8.250            638.58        100
                                       8.000            638.58
    CRESTLINE        CA   92325          1            12/19/02         23
    0435181524                           05           02/01/03          0
    1781004284                           O            01/01/33
    0

    8321839          W82/G01             F          130,700.00         ZZ
                                         360        130,414.39          1
                                       7.625            925.09        101
                                       7.375            925.09
    BEAVER FALLS     PA   15010          5            11/23/02         23
    0435284377                           05           01/01/03          0
    910002979                            O            12/01/32
    0

    8322131          W50/G01             F          188,000.00         ZZ
                                         180        187,804.33          1
                                       9.250          1,546.63         99
                                       8.750          1,546.63
    LINO LAKES       MN   55014          1            12/19/02         23
    0435134614                           05           02/01/03          0
    0021470                              O            01/01/18
    0

    8322533          E22/G01             F          120,407.00         ZZ
                                         360        120,264.32          1
                                       8.625            936.51        103
                                       8.375            936.51
    WALKER           LA   70785          1            12/31/02         23
    0415668177                           05           02/01/03          0
    0415668177                           O            01/01/33
    0

    8322547          E22/G01             F           34,950.00         ZZ
                                         360         34,910.66          1
                                       8.875            278.08        103
                                       8.375            278.08
    WEST FRANKFORT   IL   62896          1            12/31/02         23
    0415675859                           05           02/01/03          0
    0415675859                           O            01/01/33
    0
1

    8322575          E22/G01             F           72,550.00         ZZ
                                         360         72,454.76          1
                                       8.125            538.68        107
                                       7.625            538.68
    LEESBURG         FL   34748          1            12/31/02         23
    0415691385                           05           02/01/03          0
    0415691385                           O            01/01/33
    0

    8322593          E22/G01             F          114,300.00         ZZ
                                         360        114,171.37          1
                                       8.875            909.42        103
                                       8.625            909.42
    LURAY            VA   22835          5            12/23/02         23
    0415216217                           05           02/01/03          0
    0415216217                           O            01/01/33
    0

    8322609          E22/G01             F          115,360.00         ZZ
                                         360        115,233.51          1
                                       9.000            928.21        103
                                       8.500            928.21
    HUDSONVILLE      MI   49426          9            12/26/02         23
    0415330901                           05           02/01/03          0
    0415330901                           O            01/01/33
    0

    8322651          E22/G01             F           86,500.00         ZZ
                                         360         86,371.21          1
                                       7.500            604.82        106
                                       7.000            604.82
    PHOENIX          AZ   85027          1            12/20/02         23
    0415426360                           01           02/01/03          0
    0415426360                           O            01/01/33
    0

    8322737          E22/G01             F          223,600.00         ZZ
                                         360        219,511.10          1
                                       8.000          1,640.70        104
                                       7.750          1,640.70
    BALDWIN PARK     CA   91706          1            12/27/02         23
    0415584895                           05           02/01/03          0
    0415584895                           O            01/01/33
    0

    8322739          E22/G01             F          231,700.00         ZZ
                                         360        231,432.43          1
1

                                       8.750          1,822.78        103
                                       8.500          1,822.78
    NORTH SALT LAKE  UT   84054          9            12/23/02         23
    0415585181                           05           02/01/03          0
    0415585181                           O            01/01/33
    0

    8322829          E22/G01             F          240,000.00         ZZ
                                         360        239,692.87          1
                                       8.250          1,803.04        100
                                       8.000          1,803.04
    ELMWOOD PARK     IL   60707          1            12/31/02         23
    0415640275                           05           02/01/03          0
    0415640275                           O            01/01/33
    0

    8322831          E22/G01             F           69,000.00         ZZ
                                         360         68,907.09          2
                                       8.000            506.30        100
                                       7.750            506.30
    RIVIERA  BEACH   FL   33404          1            12/31/02         23
    0415640457                           05           02/01/03          0
    0415640457                           O            01/01/33
    0

    8322861          E22/G01             F           92,597.00         ZZ
                                         360         92,500.63          1
                                       9.250            761.77        103
                                       8.750            761.77
    MOBILE           AL   36608          1            12/30/02         23
    0415664143                           05           02/01/03          0
    0415664143                           O            01/01/33
    0

    8322887          E22/G01             F          147,500.00         ZZ
                                         360        147,325.21          1
                                       8.625          1,147.24        100
                                       8.375          1,147.24
    NEW MARKET       AL   35761          1            12/31/02         23
    0415709591                           05           02/01/03          0
    0415709591                           O            01/01/33
    0

    8322955          E22/G01             F          149,350.00         ZZ
                                         360        149,181.92          1
                                       8.875          1,188.30        103
                                       8.625          1,188.30
    SACRAMENTO       CA   95821          1            12/23/02         23
    0415759620                           05           02/01/03          0
1

    0415759620                           O            01/01/33
    0

    8323677          U05/G01             F          275,500.00         ZZ
                                         360        275,089.80          1
                                       7.500          1,926.34        107
                                       7.250          1,926.34
    LANTANA          FL   33462          1            12/17/02         23
    0435168539                           03           02/01/03          0
    3284181                              O            01/01/33
    0

    8323977          A06/G01             F          142,000.00         ZZ
                                         360        141,866.96          1
                                       9.750          1,220.00        103
                                       9.500          1,220.00
    MACOMB TOWNSHIP  MI   48044          1            12/27/02         23
    0435166434                           05           02/01/03          0
    021500020233698                      O            01/01/33
    0

    8323979          N67/G01             F           95,750.00         ZZ
                                         360         95,617.79          1
                                       7.875            694.25        100
                                       7.625            694.25
    VILLAGE OF MILL  MI   48746          1            12/24/02         23
    0435169073                           05           02/01/03          0
    3262004150                           O            01/01/33
    0

    8324055          K15/G01             F          148,300.00         ZZ
                                         360        148,130.58          1
                                       9.000          1,193.26        103
                                       8.750          1,193.26
    SHELBYVILLE      KY   40065          5            12/17/02         23
    0435168638                           05           02/01/03          0
    019105504978                         O            01/01/33
    0

    8324063          K15/G01             F          113,700.00         ZZ
                                         360        113,554.50          1
                                       8.250            854.19         99
                                       8.000            854.19
    EUCLID           OH   44132          5            12/23/02         23
    0435168380                           05           02/01/03          0
    028705505151                         O            01/01/33
    0

1

    8324151          X31/G01             F          232,000.00         ZZ
                                         360        231,654.56          1
                                       7.500          1,622.18        106
                                       7.250          1,622.18
    WHITTIER         CA   90604          1            12/06/02         23
    0435272109                           05           02/01/03          0
    40105065                             O            01/01/33
    0

    8324181          X31/G01             F          205,000.00         ZZ
                                         360        204,716.92          1
                                       7.875          1,486.39        100
                                       7.625          1,486.39
    SOUTH GATE       CA   90280          1            12/04/02         23
    0435246665                           05           02/01/03          0
    40104758                             O            01/01/33
    0

    8324383          K15/G01             F          169,900.00         ZZ
                                         360        169,647.03          1
                                       7.500          1,187.97        103
                                       7.250          1,187.97
    WINSTED          CT   06098          5            12/19/02         23
    0435167820                           05           02/01/03          0
    037405504374                         O            01/01/33
    0

    8324453          T23/G01             F           67,320.00         ZZ
                                         360         67,190.09          1
                                       8.250            505.75         99
                                       8.000            505.75
    CALEDONIA        OH   43314          1            12/30/02         23
    0435178736                           05           01/30/03          0
    5927                                 O            12/30/32
    0

    8324553          F64/G01             F           70,500.00         ZZ
                                         360         70,409.79          1
                                       8.250            529.64         95
                                       8.000            529.64
    NORFOLK          VA   23509          1            12/13/02         23
    0435172085                           05           02/01/03          0
    TOLBE2000000914                      N            01/01/33
    0

    8324747          F64/G01             F           84,500.00         ZZ
                                         360         84,374.18          1
                                       7.500            590.84        106
                                       7.250            590.84
1

    VIRGINIA BEACH   VA   23462          1            12/19/02         23
    0435172051                           07           02/01/03          0
    2000000906                           O            01/01/33
    0

    8324821          W47/G01             F           57,000.00         ZZ
                                         180         56,900.91          1
                                       8.750            448.42        100
                                       8.500            448.42
    C                IL   60411          1            12/20/02         23
    0435200662                           05           01/20/03          0
    WH021157                             O            12/20/17
    0

    8324825          U35/G01             F          121,540.00         ZZ
                                         360        121,399.63          1
                                       8.750            956.16        103
                                       8.500            956.16
    DURANT           IA   52747          5            12/27/02         23
    0435187943                           05           02/01/03          0
    10450792                             O            01/01/33
    0

    8324863          K15/G01             F           92,800.00         ZZ
                                         360         92,669.71          1
                                       7.875            672.86        102
                                       7.625            672.86
    MABELVALE        AR   72103          5            12/26/02         23
    0435169347                           05           02/01/03          0
    038205505537                         O            01/01/33
    0

    8324867          W47/G01             F          110,000.00         ZZ
                                         180        109,813.63          1
                                       8.875            875.21        100
                                       8.625            875.21
    MARKHAM          IL   60426          1            12/10/02         23
    0435194980                           05           01/10/03          0
    WH021125                             O            12/10/17
    0

    8324971          L16/G01             F           49,400.00         ZZ
                                         360         49,341.45          1
                                       8.625            384.23         95
                                       8.375            384.23
    AKRON            OH   44314          1            12/27/02         23
    0435180567                           05           02/01/03          0
    8427                                 N            01/01/33
    0
1

    8325091          U35/G01             F          154,800.00         ZZ
                                         360        154,651.10          1
                                       9.625          1,315.78        101
                                       9.375          1,315.78
    CROWN POINT      IN   46307          5            12/26/02         23
    0435143953                           05           02/01/03          0
    10414932                             O            01/01/33
    0

    8325357          940/G01             F          188,400.00         ZZ
                                         360        188,133.20          1
                                       7.750          1,349.72        104
                                       7.500          1,349.72
    SAN BERNARDINO   CA   92346          1            12/23/02         23
    0435188073                           05           02/01/03          0
    40021217                             O            01/01/33
    0

    8325367          K15/G01             F          238,500.00         ZZ
                                         360        238,134.88          1
                                       9.125          1,940.51         99
                                       8.875          1,940.51
    CLINTONDALE      NY   12515          5            12/22/02         23
    0435167408                           05           02/01/03          0
    026005505996                         O            01/01/33
    0

    8325419          624/G01             F          346,000.00         ZZ
                                         360        345,471.82          1
                                       7.375          2,389.74        103
                                       7.125          2,389.74
    ROCKLIN          CA   95765          1            12/18/02         23
    0435172390                           05           02/01/03          0
    1000019636                           O            01/01/33
    0

    8325423          M24/G01             F          141,100.00         ZZ
                                         360        140,932.80          1
                                       8.625          1,097.46        103
                                       8.375          1,097.46
    MYRTLE BEACH     SC   29577          5            12/18/02         23
    0435188933                           05           02/01/03          0
    201106890                            O            01/01/33
    0

    8325459          G75/G01             F          106,900.00         ZZ
                                         360        106,732.70          1
1

                                       7.250            729.25        107
                                       7.000            729.25
    WASHINGTON       DC   20019          1            12/16/02         23
    0435174818                           05           02/01/03          0
    04908806                             O            01/01/33
    0

    8325461          W78/G01             F           91,350.00         ZZ
                                         360         91,226.75          1
                                       7.990            669.66        107
                                       7.740            669.66
    MEMPHIS          TN   38116          1            12/18/02         23
    0435167986                           05           02/01/03          0
    0040842581                           O            01/01/33
    0

    8325467          W39/G01             F          122,000.00         ZZ
                                         360        121,818.35          1
                                       7.500            853.04        100
                                       7.250            853.04
    COVINGTON        LA   70435          1            12/31/02         23
    0435195524                           03           02/01/03          0
    LA024737                             O            01/01/33
    0

    8325471          N11/G01             F           59,500.00         ZZ
                                         360         59,429.50          1
                                       8.625            462.78        100
                                       8.375            462.78
    SCOTTSBORO       AL   35768          1            12/31/02         23
    0435216957                           05           02/01/03          0
    1                                    O            01/01/33
    0

    8325475          Q14/G01             F           65,250.00         ZZ
                                         360         64,960.81          1
                                       8.000            478.78        107
                                       7.750            478.78
    WILLCOX          AZ   85643          1            12/23/02         23
    0435169974                           05           02/01/03          0
    0000210567                           O            01/01/33
    0

    8325485          S53/G01             F          165,900.00         ZZ
                                         360        165,687.70          1
                                       8.250          1,246.35        100
                                       8.000          1,246.35
    MAINEVILLE       OH   45039          1            12/20/02         23
    0435180773                           05           02/01/03          0
1

    9841958                              O            01/01/33
    0

    8325487          Q14/G01             F          195,000.00         ZZ
                                         360        194,716.83          1
                                       7.625          1,380.20        105
                                       7.375          1,380.20
    GILBERT          AZ   85296          2            12/26/02         23
    0435170519                           03           02/01/03          0
    0000210583                           O            01/01/33
    0

    8325497          J40/G01             F          129,464.00         ZZ
                                         360        129,318.31          1
                                       8.875          1,030.07         99
                                       8.625          1,030.07
    JACKSONVILLE     FL   32258          1            12/23/02         23
    0435160940                           03           02/01/03          0
    1110561                              O            01/01/33
    0

    8325501          967/G01             F          123,000.00         ZZ
                                         360        122,825.78          1
                                       7.750            881.19        107
                                       7.500            881.19
    REEDSPORT        OR   97467          2            12/11/02         23
    0435188008                           05           02/01/03          0
    5844188                              O            01/01/33
    0

    8325507          S53/G01             F          131,000.00         ZZ
                                         180        130,867.60          1
                                       9.390          1,091.02        100
                                       9.140          1,091.02
    OSTEGO           MN   55330          1            12/26/02         23
    0435187158                           05           02/01/03          0
    9718519                              O            01/01/18
    0

    8325555          R65/G01             F           66,950.00         ZZ
                                         360         66,824.28          1
                                       8.375            508.87        103
                                       8.125            508.87
    LAKE ARIEL       PA   18436          1            11/27/02         23
    0435184478                           03           01/01/03          0
    4192817200                           O            12/01/32
    0

1

    8325557          F34/G01             F          389,000.00         ZZ
                                         360        388,375.99          1
                                       7.125          2,620.77        103
                                       6.875          2,620.77
    ARLINGTON        VA   22204          1            12/20/02         23
    0435177985                           05           02/01/03          0
    10212016                             O            01/01/33
    0

    8325559          Q78/G01             F          152,000.00         ZZ
                                         360        151,790.09          1
                                       7.875          1,102.11        100
                                       7.625          1,102.11
    EUREKA           MO   63025          1            12/23/02         23
    0435173885                           05           02/01/03          0
    721288                               O            01/01/33
    0

    8325655          R65/G01             F          150,300.00         ZZ
                                         360        150,151.57          1
                                       9.500          1,263.80        101
                                       9.250          1,263.80
    CAPITOL HEIGHTS  MD   20743          5            12/09/02         23
    0435185061                           07           02/01/03          0
    4188887228                           O            01/01/33
    0

    8325659          X21/G01             F          204,200.00         ZZ
                                         360        203,835.71          1
                                       8.625          1,588.25        103
                                       8.375          1,588.25
    BALTIMORE        MD   21220          5            11/22/02         23
    0435284088                           05           01/01/03          0
    705741                               O            12/01/32
    0

    8325667          P48/G01             F          180,830.00         ZZ
                                         360        180,590.53          1
                                       8.625          1,406.48        107
                                       8.375          1,406.48
    BIG LAKE         MN   55309          5            12/26/02         23
    0435164215                           05           02/01/03          0
    10423012                             O            01/01/33
    0

    8325703          X91/G01             F          230,000.00         ZZ
                                         360        229,720.35          1
                                       8.500          1,768.50        100
                                       8.250          1,768.50
1

    KAILUA KONA      HI   96740          1            12/17/02         23
    0435189469                           05           02/01/03          0
    803526                               O            01/01/33
    0

    8325755          N74/G01             F          123,600.00         ZZ
                                         360        123,473.63          1
                                      11.250          1,200.48         96
                                      10.750          1,200.48
    GRAHAM           NC   27253          5            12/19/02         23
    0435172671                           05           01/26/03          0
    0031382010                           O            12/26/32
    0

    8325871          W78/G01             F          167,100.00         ZZ
                                         360        166,769.87          1
                                       8.125          1,240.71         95
                                       7.875          1,240.71
    BRADENTON        FL   34202          1            11/26/02         23
    0435187232                           01           01/01/03          0
    0040755241                           N            12/01/32
    0

    8325891          W78/G01             F           66,500.00         ZZ
                                         360         66,417.04          2
                                       8.375            505.45         95
                                       8.125            505.45
    NEW BRAUNFELS    TX   78130          1            12/16/02         23
    0435170691                           05           02/01/03          0
    0040820260                           N            01/01/33
    0

    8325901          808/G01             F          263,500.00         ZZ
                                         360        263,136.13          1
                                       7.875          1,910.56        100
                                       7.625          1,910.56
    CORONA           CA   92879          5            12/20/02         23
    0435254479                           29           02/01/03          0
    9429126                              O            01/01/33
    0

    8325915          808/G01             F          186,845.00         ZZ
                                         360        186,559.76          1
                                       7.375          1,290.50        100
                                       7.125          1,290.50
    DINUBA           CA   93618          1            12/10/02         23
    0435177423                           05           02/01/03          0
    9105864                              O            01/01/33
    0
1

    8326017          W82/G01             F          118,800.00         ZZ
                                         360        118,673.07          1
                                       9.125            966.60         99
                                       8.875            966.60
    WEBB CITY        MO   64870          2            12/16/02         23
    0435174834                           05           02/01/03          0
    910003068                            O            01/01/33
    0

    8326155          W82/G01             F          206,000.00         ZZ
                                         360        205,835.56          1
                                      10.500          1,884.36        103
                                      10.000          1,884.36
    MOUNTLAKE TERRA  WA   98043          5            12/20/02         23
    0435173372                           05           02/01/03          0
    910003102                            O            01/01/33
    0

    8326377          E22/G01             F          153,010.00         ZZ
                                         360        151,019.93          1
                                       7.750          1,096.18        107
                                       7.500          1,096.18
    WINFIELD         KS   67156          2            12/27/02         23
    0415039825                           05           02/01/03          0
    0415039825                           O            01/01/33
    0

    8326445          E22/G01             F          129,780.00         ZZ
                                         360        129,681.84          1
                                      10.750          1,211.47        103
                                      10.250          1,211.47
    CHARLOTTE        NC   28215          5            12/27/02         23
    0415593979                           05           02/01/03          0
    0415593979                           O            01/01/33
    0

    8326481          E22/G01             F          110,725.00         ZZ
                                         360        110,579.55          1
                                       9.500            931.04        103
                                       9.000            931.04
    HARAHAN          LA   70123          1            01/02/03         23
    0415642883                           05           02/01/03          0
    0415642883                           O            01/01/33
    0

    8326493          E22/G01             F           64,410.00         ZZ
                                         360         64,362.20          2
1

                                       7.500            450.36         95
                                       7.250            450.36
    BAY CITY         MI   48708          1            01/02/03         23
    0415657337                           05           03/01/03          0
    0415657337                           N            02/01/33
    0

    8326495          E22/G01             F           58,600.00         ZZ
                                         360         58,556.51          2
                                       7.500            409.74         95
                                       7.250            409.74
    SAGINAW          MI   48708          1            01/02/03         23
    0415657444                           05           03/01/03          0
    0415657444                           N            02/01/33
    0

    8326537          E22/G01             F          118,193.00         ZZ
                                         360        118,026.81          1
                                       7.875            856.98        103
                                       7.625            856.98
    NORWALK          OH   44857          1            01/02/03         23
    0415745991                           05           02/01/03          0
    0415745991                           O            01/01/33
    0

    8326579          E22/G01             F          317,200.00         ZZ
                                         360        316,708.02          1
                                       7.750          2,272.46        104
                                       7.250          2,272.46
    VACAVILLE        CA   95687          1            12/24/02         23
    0415751262                           05           02/01/03          0
    0415751262                           O            01/01/33
    0

    8326601          E22/G01             F          203,300.00         ZZ
                                         360        203,152.86          1
                                       7.625          1,438.94        107
                                       7.375          1,438.94
    MANDEVILLE       LA   70448          1            01/02/03         23
    0415804483                           05           03/01/03          0
    0415804483                           O            02/01/33
    0

    8327215          W95/G01             F           97,850.00         ZZ
                                         360         97,708.22          1
                                       9.625            831.72        103
                                       9.375            831.72
    JACKSONVILLE     FL   32216          5            12/16/02         23
    0435166699                           05           01/20/03          0
1

    2051210009996                        O            12/20/32
    0

    8327471          940/G01             F          184,300.00         ZZ
                                         360        182,670.09          1
                                       7.250          1,257.25        106
                                       7.000          1,257.25
    REDLANDS         CA   92374          1            12/27/02         23
    0435191432                           05           02/01/03          0
    40021209                             O            01/01/33
    0

    8327577          Q30/G01             F          185,130.00         ZZ
                                         360        184,916.20          1
                                       8.750          1,456.42         99
                                       8.500          1,456.42
    BLOOMFIELD       CT   06002          5            12/11/02         23
    0435149992                           05           02/01/03          0
    21017068                             O            01/01/33
    0

    8327639          940/G01             F           69,550.00         ZZ
                                         360         69,446.45          2
                                       7.500            486.30        107
                                       7.250            486.30
    BARSTOW          CA   92311          1            12/13/02         23
    0435187679                           05           02/01/03          0
    65020406                             O            01/01/33
    0

    8327655          U42/G01             F           51,300.00         ZZ
                                         360         51,223.62          1
                                       7.500            358.70         95
                                       7.250            358.70
    EAGLE PASS       TX   78852          1            12/30/02         23
    0435323068                           05           02/01/03          0
    49200061                             N            01/01/33
    0

    8327661          642/G01             F          127,330.00         ZZ
                                         360        127,140.41          1
                                       7.500            890.31        107
                                       7.250            890.31
    PUEBLO           CO   81001          2            12/23/02         23
    0435176433                           05           02/01/03          0
    11231702                             O            01/01/33
    0

1

    8327669          A06/G01             F           84,400.00         ZZ
                                         360         84,328.91          1
                                      10.250            756.31        103
                                      10.000            756.31
    DETROIT          MI   48228          2            12/12/02         23
    0435182316                           05           02/01/03          0
    5000010201944                        O            01/01/33
    0

    8327745          642/G01             F           62,500.00         ZZ
                                         360         62,413.69          1
                                       7.875            453.17        105
                                       7.625            453.17
    CHICKASHA        OK   73018          5            12/27/02         23
    0435179122                           05           02/01/03          0
    11149102                             O            01/01/33
    0

    8327789          642/G01             F          230,000.00         ZZ
                                         360        229,727.44          1
                                       8.625          1,788.92        105
                                       8.375          1,788.92
    ANCHORAGE        AK   99504          5            12/17/02         23
    0435180732                           05           02/01/03          0
    11225902                             O            01/01/33
    0

    8327845          W39/G01             F           40,150.00         ZZ
                                         360         40,098.63          2
                                       8.250            301.63         95
                                       8.000            301.63
    BATON ROUGE      LA   70820          1            01/02/03         23
    0435195995                           05           02/01/03          0
    LA024850                             N            01/01/33
    0

    8328015          U18/G01             F           64,500.00         ZZ
                                         360         64,435.65          1
                                       9.500            542.35        100
                                       9.250            542.35
    BROOKHAVEN       MS   39601          1            12/30/02         23
    0435154786                           05           02/01/03          0
    MS0428231763                         O            01/01/33
    0

    8328047          685/G01             F          274,500.00         ZZ
                                         360        274,101.40          1
                                       7.625          1,942.89         99
                                       7.375          1,942.89
1

    PALMDALE         CA   93551          1            12/17/02         23
    0435203849                           05           02/01/03          0
    132014                               O            01/01/33
    0

    8328199          W40/G01             F          140,000.00         ZZ
                                         360        139,825.36          1
                                       8.375          1,064.10        103
                                       8.125          1,064.10
    PEORIA           AZ   85345          2            12/16/02         23
    0435176268                           05           02/01/03          0
    100014155                            O            01/01/33
    0

    8328215          X31/G01             F          256,500.00         ZZ
                                         360        256,057.08          1
                                       6.750          1,663.65         95
                                       6.500          1,663.65
    SANTA ANA        CA   92703          1            12/16/02         23
    0435362140                           05           02/01/03          0
    40105050                             O            01/01/33
    0

    8328223          E45/G01             F           41,200.00         ZZ
                                         360         41,164.37          1
                                      10.125            365.37        103
                                       9.875            365.37
    KISSIMMEE        FL   34741          1            12/04/02         23
    0435273511                           09           02/01/03          0
    309030                               O            01/01/33
    0

    8328291          U35/G01             F           92,700.00         ZZ
                                         360         92,603.51          1
                                       9.250            762.62        103
                                       9.000            762.62
    FRESNO           CA   93728          1            12/31/02         23
    0435210588                           05           02/01/03          0
    0007574451                           O            01/01/33
    0

    8328375          U35/G01             F           95,200.00         ZZ
                                         360         95,134.48          1
                                       7.875            690.27        107
                                       7.625            690.27
    PRESTON          IA   52069          5            12/30/02         23
    0435190202                           05           03/01/03          0
    10453355                             O            02/01/33
    0
1

    8328381          A06/G01             F          163,700.00         ZZ
                                         360        163,505.99          1
                                       8.625          1,273.25        103
                                       8.375          1,273.25
    BERKLEY          MI   48076          1            12/19/02         23
    0435182993                           05           02/01/03          0
    021000020228894                      O            01/01/33
    0

    8328691          R80/G01             F          106,400.00         ZZ
                                         360        106,249.33          2
                                       7.750            762.26         95
                                       7.500            762.26
    GOODING          ID   83330          1            12/19/02         23
    0435149877                           05           02/01/03          0
    50134                                N            01/01/33
    0

    8328709          J95/G01             F          214,000.00         ZZ
                                         360        213,532.38          1
                                       7.625          1,514.68        107
                                       7.375          1,514.68
    KANSAS CITY      KS   64131          1            12/02/02         23
    0435180989                           05           01/01/03          0
    0040374340                           O            12/01/32
    0

    8329087          E47/G01             F          116,390.00         ZZ
                                         360        116,229.56          1
                                       8.375            884.65        103
                                       8.125            884.65
    MATTHEWS         NC   28105          2            12/17/02         23
    0435306402                           05           02/01/03          0
    7350510530                           O            01/01/33
    0

    8329133          964/G01             F          196,450.00         ZZ
                                         360        196,159.18          1
                                       7.625          1,390.46        103
                                       7.375          1,390.46
    ANTELOPE         CA   95843          1            12/12/02         23
    0435165600                           05           02/01/03          0
    301658                               O            01/01/33
    0

    8329145          964/G01             F           90,700.00         ZZ
                                         360         90,564.95          1
1

                                       7.500            634.19        106
                                       7.250            634.19
    WALLA WALLA      WA   99362          1            12/23/02         23
    0435165444                           05           02/01/03          0
    303792                               O            01/01/33
    0

    8329163          964/G01             F          215,000.00         ZZ
                                         360        214,703.11          1
                                       7.875          1,558.90        100
                                       7.625          1,558.90
    MODESTO          CA   95351          1            12/16/02         23
    0435165527                           05           02/01/03          0
    300209                               O            01/01/33
    0

    8329217          R84/G01             F          459,000.00         ZZ
                                         360        458,441.91          1
                                       8.500          3,529.31        100
                                       8.250          3,529.31
    MALIBU           CA   90265          1            12/16/02         23
    0435165691                           01           02/01/03          0
    5266                                 O            01/01/33
    0

    8329223          X53/G01             F           89,000.00         ZZ
                                         360         88,902.42          1
                                       9.000            716.11        100
                                       8.750            716.11
    ISLANDTON        SC   29929          2            12/23/02         23
    0435166723                           05           02/01/03          0
    12200210                             O            01/01/33
    0

    8329273          480/G01             F           96,000.00         ZZ
                                         360         95,870.75          1
                                       8.000            704.41        100
                                       7.750            704.41
    DOVER            FL   33527          1            12/17/02         23
    0435224142                           05           02/01/03          0
    4544144                              O            01/01/33
    0

    8329657          E22/G01             F          300,000.00         ZZ
                                         360        299,662.40          1
                                       8.875          2,386.93         99
                                       8.375          2,386.93
    GARDEN GROVE     CA   92840          5            12/05/02         23
    0415266659                           05           02/01/03          0
1

    0415266659                           O            01/01/33
    0

    8329659          E22/G01             F          167,600.00         ZZ
                                         360        167,277.68          1
                                       7.625          1,186.26        106
                                       7.375          1,186.26
    WATERFORD        MI   48327          1            01/03/03         23
    0415303940                           05           02/01/03          0
    0415303940                           O            01/01/33
    0

    8329673          E22/G01             F           88,065.00         ZZ
                                         360         87,984.65          1
                                       9.875            764.71        103
                                       9.375            764.71
    ATHENS           AL   35611          1            12/20/02         23
    0415450444                           05           02/01/03          0
    0415450444                           O            01/01/33
    0

    8329681          E22/G01             F           67,465.00         ZZ
                                         360         67,380.85          1
                                       8.375            512.78        103
                                       8.125            512.78
    MARION           NC   28752          2            12/27/02         23
    0415466176                           05           02/01/03          0
    0415466176                           O            01/01/33
    0

    8329687          E22/G01             F          109,319.00         ZZ
                                         360        109,224.42          1
                                      10.125            969.47         97
                                       9.625            969.47
    GREER            SC   29651          1            01/03/03         23
    0415513985                           05           02/01/03          0
    0415513985                           O            01/01/33
    0

    8329707          E22/G01             F          215,400.00         ZZ
                                         360        213,630.70          1
                                       7.625          1,524.59        104
                                       7.375          1,524.59
    FONTANA          CA   92336          1            12/27/02         23
    0415592500                           05           02/01/03          0
    0415592500                           O            01/01/33
    0

1

    8329711          E22/G01             F          135,600.00         ZZ
                                         360        135,393.00          1
                                       7.375            936.56        103
                                       7.125            936.56
    VILLA PARK       IL   60181          1            01/03/03         23
    0415608140                           09           02/01/03          0
    0415608140                           O            01/01/33
    0

    8329731          E22/G01             F           88,350.00         ZZ
                                         360         88,286.05          1
                                       7.625            625.34        105
                                       7.375            625.34
    BREVARD          NC   28712          1            01/03/03         23
    0415665363                           05           03/01/03          0
    0415665363                           O            02/01/33
    0

    8329735          E22/G01             F          143,550.00         ZZ
                                         360        143,346.02          1
                                       8.500          1,103.78         99
                                       8.250          1,103.78
    SPRING HILL      KS   66083          1            12/24/02         23
    0415675578                           05           02/01/03          0
    0415675578                           O            01/01/33
    0

    8329783          E22/G01             F           33,063.00         ZZ
                                         360         33,038.46          1
                                       7.500            231.18        107
                                       7.000            231.18
    MUNCIE           IN   47302          1            01/03/03         23
    0415745645                           05           03/01/03          0
    0415745645                           O            02/01/33
    0

    8329807          E22/G01             F          106,000.00         ZZ
                                         360        105,871.11          1
                                       8.500            815.05        100
                                       8.250            815.05
    DALLAS           TX   75206          1            01/03/03         23
    0415790302                           01           02/01/03          0
    0415790302                           O            01/01/33
    0

    8329817          E22/G01             F          232,000.00         ZZ
                                         360        231,823.46          1
                                       7.375          1,602.37        104
                                       6.875          1,602.37
1

    HERCULES         CA   94547          1            12/30/02         23
    0415796093                           01           03/01/03          0
    0415796093                           O            02/01/33
    0

    8329839          E22/G01             F          108,500.00         ZZ
                                         360        108,364.65          1
                                       8.375            824.68         95
                                       8.125            824.68
    ALABASTER        AL   35007          1            01/03/03         23
    0415874064                           05           02/01/03          0
    0415874064                           N            01/01/33
    0

    8330131          W02/G01             F           55,620.00         ZZ
                                         360         55,529.68          1
                                       7.063            372.40        103
                                       6.813            372.40
    CANTON           OH   44710          2            12/09/02         23
    0435306451                           05           02/01/03          0
    1001772606                           O            01/01/33
    0

    8330133          W02/G01             F           85,065.00         ZZ
                                         360         84,929.38          1
                                       7.156            574.88        107
                                       6.906            574.88
    MUSKEGON         MI   49441          5            12/11/02         23
    0435305891                           05           02/01/03          0
    1001783455                           O            01/01/33
    0

    8330177          W02/G01             F          138,000.00         ZZ
                                         360        137,837.30          1
                                       8.650          1,075.81        103
                                       8.400          1,075.81
    GILBERT          AZ   85233          5            12/13/02         23
    0435306022                           05           02/01/03          0
    1001830545                           O            01/01/33
    0

    8330227          W02/G01             F          138,900.00         ZZ
                                         360        138,604.03          1
                                       8.438          1,061.93        100
                                       8.188          1,061.93
    SEBASTIAN        FL   32958          5            11/25/02         23
    0435265137                           05           01/01/03          0
    1001701944                           O            12/01/32
    0
1

    8330231          W40/G01             F          111,909.00         ZZ
                                         360        111,760.00          1
                                       8.750            880.39        103
                                       8.500            880.39
    SURPRISE         AZ   85374          1            12/20/02         23
    0435197173                           03           02/01/03          0
    100016943                            O            01/01/33
    0

    8330267          W02/G01             F          247,200.00         ZZ
                                         360        246,921.80          1
                                       8.875          1,966.84         97
                                       8.625          1,966.84
    BEVERLY HILLS    FL   34465          1            12/16/02         23
    0435250204                           02           02/01/03          0
    1001775014                           O            01/01/33
    0

    8330275          W02/G01             F          169,950.00         ZZ
                                         360        169,654.52          1
                                       8.750          1,337.00        103
                                       8.500          1,337.00
    GAINSVILLE       FL   32608          5            11/27/02         23
    0435293261                           05           01/03/03          0
    1001552793                           O            12/03/32
    0

    8330291          J95/G01             F          190,550.00         ZZ
                                         360        190,318.30          1
                                       8.500          1,465.17        103
                                       8.250          1,465.17
    BLUE SPRINGS     MO   64014          5            12/19/02         23
    0435182977                           05           02/01/03          0
    0040619744                           O            01/01/33
    0

    8330337          L33/G01             F           96,000.00         ZZ
                                         360         95,928.75          1
                                       7.500            671.25        100
                                       7.250            671.25
    TULSA            OK   74129          1            12/30/02         23
    0435227285                           05           03/01/03          0
    0010044154                           O            02/01/33
    0

    8330355          J95/G01             F           95,000.00         ZZ
                                         360         94,868.81          1
1

                                       7.875            688.82        106
                                       7.625            688.82
    TAMPA            FL   33612          1            12/13/02         23
    0435209069                           05           02/01/03          0
    0040607822                           O            01/01/33
    0

    8330415          W02/G01             F           95,750.00         ZZ
                                         360         95,641.24          1
                                       8.831            758.82        103
                                       8.581            758.82
    ZEPHYRHILLS      FL   33542          5            12/12/02         23
    0435250154                           05           02/01/03          0
    1001816592                           O            01/01/33
    0

    8330461          K15/G01             F          117,400.00         ZZ
                                         360        117,280.97          1
                                       9.375            976.47        103
                                       9.125            976.47
    GREENSBORO       NC   27405          5            12/16/02         23
    0435174172                           05           02/01/03          0
    017405505547                         O            01/01/33
    0

    8330467          W02/G01             F           58,710.00         ZZ
                                         360         58,493.16          1
                                       7.875            425.69        103
                                       7.625            425.69
    PITTSBURGH       PA   15226          5            12/06/02         23
    0435263397                           05           02/01/03          0
    1001775608                           O            01/01/33
    0

    8330505          W02/G01             F           90,640.00         ZZ
                                         360         90,521.02          1
                                       8.125            673.00        103
                                       7.875            673.00
    OCALA            FL   34472          5            12/12/02         23
    0435250261                           05           02/01/03          0
    1001665356                           O            01/01/33
    0

    8330509          642/G01             F          141,540.00         ZZ
                                         360        141,349.43          1
                                       8.000          1,038.57         95
                                       7.750          1,038.57
    LAS VEGAS        NV   89115          1            12/18/02         23
    0435195946                           05           02/01/03          0
1

    09235302                             N            01/01/33
    0

    8330519          J95/G01             F          123,400.00         ZZ
                                         360        123,211.62          1
                                       7.375            852.30        103
                                       7.125            852.30
    COTTAGE GROVE    OR   97424          2            12/13/02         23
    0435247374                           05           02/01/03          0
    0040566325                           O            01/01/33
    0

    8330523          642/G01             F          141,540.00         ZZ
                                         360        141,349.43          1
                                       8.000          1,038.57         95
                                       7.750          1,038.57
    LAS VEGAS        NV   89115          1            12/18/02         23
    0435194956                           05           02/01/03          0
    09237702                             N            01/01/33
    0

    8330561          642/G01             F          166,250.00         ZZ
                                         360        166,052.98          1
                                       8.625          1,293.08         95
                                       8.375          1,293.08
    WARWICK          RI   02888          1            12/26/02         23
    0435182001                           05           02/01/03          0
    12201402                             O            01/01/33
    0

    8330615          642/G01             F           82,500.00         ZZ
                                         360         82,399.69          1
                                       8.500            634.35        100
                                       8.250            634.35
    PORT HURON       MI   48060          1            12/27/02         23
    0435179908                           05           02/01/03          0
    10171802                             O            01/01/33
    0

    8330709          642/G01             F           71,690.00         ZZ
                                         360         71,591.01          1
                                       7.875            519.80        107
                                       7.625            519.80
    PHILADELPHIA     PA   19126          1            12/31/02         23
    0435182779                           07           02/01/03          0
    12120902                             O            01/01/33
    0

1

    8330863          313/G01             F          179,000.00         ZZ
                                         360        178,733.47          1
                                       7.500          1,251.60        107
                                       7.250          1,251.60
    EUGENE           OR   97404          5            12/18/02         23
    0435228481                           05           02/01/03          0
    0009184094                           O            01/01/33
    0

    8330905          Q14/G01             F          227,000.00         ZZ
                                         360        226,843.78          1
                                       7.875          1,645.91        100
                                       7.625          1,645.91
    SCOTTSDALE       AZ   85260          1            01/02/03         23
    0435176748                           05           03/01/03          0
    0000210778                           O            02/01/33
    0

    8330947          W47/G01             F          119,035.00         ZZ
                                         180        118,743.45          1
                                       8.500            915.28         95
                                       8.250            915.28
    WAUKEGAN         IL   60085          1            10/29/02         23
    0435263157                           05           12/01/02          0
    WH021067                             O            11/01/17
    0

    8330973          L73/G01             F          344,500.00         ZZ
                                         360        344,131.94          1
                                       9.125          2,802.97        103
                                       8.875          2,802.97
    LAKEWOOD         CA   90712          1            12/13/02         23
    0435193289                           05           02/01/03          0
    46001636                             O            01/01/33
    0

    8330977          X82/G01             F          164,550.00         ZZ
                                         360        164,279.44          1
                                       7.000          1,094.76        104
                                       6.750          1,094.76
    ASHBURN          VA   20147          1            12/27/02         23
    0435189675                           01           02/01/03          0
    844159                               O            01/01/33
    0

    8330981          W47/G01             F          275,000.00         ZZ
                                         180        274,330.64          1
                                       9.625          2,337.47        100
                                       9.375          2,337.47
1

    CRETE            IL   60417          1            10/18/02         23
    0435199377                           05           11/18/02          0
    WH021035                             O            10/18/17
    0

    8330995          L21/G01             F          173,000.00         ZZ
                                         360        172,776.44          1
                                       8.250          1,299.70        100
                                       8.000          1,299.70
    LAUREL           MD   20707          1            12/12/02         23
    0435176441                           09           02/01/03          0
    70302522                             O            01/01/33
    0

    8331001          069/G01             F          273,200.00         ZZ
                                         360        271,305.42          1
                                       7.375          1,886.93        106
                                       7.125          1,886.93
    ORANGE           CA   92869          1            12/17/02         23
    0435176920                           01           02/01/03          0
    351-88384664                         O            01/01/33
    0

    8331025          Y13/G01             F          152,000.00         ZZ
                                         180        151,824.47          1
                                       8.750          1,195.78        100
                                       8.500          1,195.78
    BERKLEY          MI   48072          1            12/23/02         23
    0435193222                           05           02/01/03          0
    2208                                 O            01/01/18
    0

    8331041          W02/G01             F          247,200.00         ZZ
                                         360        246,862.41          1
                                       7.930          1,801.82        100
                                       7.680          1,801.82
    PURCELLVILLE     VA   20132          5            12/10/02         23
    0435250394                           05           02/01/03          0
    1001781889                           O            01/01/33
    0

    8331077          940/G01             F          126,450.00         ZZ
                                         360        126,256.97          1
                                       7.375            873.36        106
                                       7.125            873.36
    VICTORVILLE      CA   92394          1            12/20/02         23
    0435193230                           05           02/01/03          0
    69020111                             O            01/01/33
    0
1

    8331147          808/G01             F          187,700.00         ZZ
                                         360        187,413.47          1
                                       7.375          1,296.40         99
                                       7.125          1,296.40
    DENAIR           CA   95316          2            12/16/02         23
    0435237532                           05           02/01/03          0
    9428842                              O            01/01/33
    0

    8331153          X91/G01             F          149,200.00         ZZ
                                         360        149,027.69          1
                                       8.750          1,173.76        103
                                       8.500          1,173.76
    WAIPAHU          HI   96797          1            12/27/02         23
    0435189030                           01           02/01/03          0
    802536                               O            01/01/33
    0

    8331165          X67/G01             F           75,050.00         ZZ
                                         360         74,938.25          1
                                       7.500            524.76         95
                                       7.250            524.76
    DALLAS           TX   75232          1            12/02/02         23
    0435188321                           05           02/01/03          0
    281801                               N            01/01/33
    0

    8331227          N46/G01             F          146,600.00         ZZ
                                         360        146,381.72          1
                                       7.500          1,025.05        103
                                       7.250          1,025.05
    WINTERVILLE      NC   28590          1            12/31/02         23
    0435180385                           05           02/01/03          0
    0658985                              O            01/01/33
    0

    8331233          964/G01             F          142,000.00         ZZ
                                         360        141,671.63          1
                                       7.125            956.68        107
                                       6.875            956.68
    LAS VEGAS        NV   89120          1            12/26/02         23
    0435182597                           05           02/01/03          0
    310906                               O            01/01/33
    0

    8331497          U35/G01             F          145,000.00         ZZ
                                         360        144,814.44          1
1

                                       8.250          1,089.34        100
                                       8.000          1,089.34
    EAU CLAIRE       WI   54701          1            01/03/03         23
    0435193081                           05           02/01/03          0
    0007625911                           O            01/01/33
    0

    8331561          X21/G01             F          116,000.00         ZZ
                                         360        115,831.55          1
                                       7.625            821.04        100
                                       7.375            821.04
    PHOENIX          AZ   85044          1            12/11/02         23
    0435188420                           03           02/01/03          0
    704433                               O            01/01/33
    0

    8331563          L86/G01             F          320,800.00         ZZ
                                         360        320,322.35          1
                                       7.500          2,243.08        103
                                       7.250          2,243.08
    SIMI VALLEY      CA   93065          1            12/20/02         23
    0435191242                           05           02/01/03          0
    20513278                             O            01/01/33
    0

    8331820          R68/G01             F          175,000.00         ZZ
                                         360        174,732.86          1
                                       7.375          1,208.68        107
                                       7.125          1,208.68
    CORAL SPRINGS    FL   33065          1            12/27/02         23
    0435171053                           01           02/01/03          0
    20021053                             O            01/01/33
    0

    8331953          X67/G01             F           99,400.00         ZZ
                                         360         99,241.70          1
                                       8.875            790.87         96
                                       8.625            790.87
    PHOENIX          AZ   85035          2            12/13/02         23
    0435317870                           05           02/01/03          0
    74894510                             O            01/01/33
    0

    8331995          R65/G01             F          118,450.00         ZZ
                                         360        118,305.97          1
                                       8.500            910.78        103
                                       8.250            910.78
    DELTONA          FL   32738          2            12/26/02         23
    0435220678                           05           02/01/03          0
1

    4194977293                           O            01/01/33
    0

    8335640          P23/G01             F          211,500.00         ZZ
                                         360        210,897.10          1
                                       7.750          1,515.21        104
                                       7.500          1,515.21
    SYKESVILLE       MD   21784          1            10/24/02         23
    0435266168                           03           12/01/02          0
    WTL020002548                         O            11/01/32
    0

    8335717          E22/G01             F          207,500.00         ZZ
                                         360        207,206.14          1
                                       7.750          1,486.56        104
                                       7.500          1,486.56
    MOODY            AL   35004          5            12/31/02         23
    0415503952                           05           02/01/03          0
    0415503952                           O            01/01/33
    0

    8335791          E22/G01             F           65,302.00         ZZ
                                         360         65,266.34          1
                                       9.000            525.43        103
                                       8.500            525.43
    WATERFORD        MI   48328          1            01/06/03         23
    0415666171                           05           03/01/03          0
    0415666171                           O            02/01/33
    0

    8335795          E22/G01             F          163,650.00         ZZ
                                         360        163,406.34          1
                                       7.500          1,144.26        103
                                       7.000          1,144.26
    SACRAMENTO       CA   95820          1            01/02/03         23
    0415670942                           05           02/01/03          0
    0415670942                           O            01/01/33
    0

    8335805          E22/G01             F          345,000.00         ZZ
                                         360        344,780.01          1
                                       8.250          2,591.87         99
                                       8.000          2,591.87
    RALEIGH          NC   27613          1            01/06/03         23
    0415677343                           05           03/01/03          0
    0415677343                           O            02/01/33
    0

1

    8335813          E22/G01             F          159,135.00         ZZ
                                         360        158,941.51          1
                                       8.500          1,223.61        103
                                       8.250          1,223.61
    WEST VALLEY CIT  UT   84128          1            12/27/02         23
    0415685924                           05           02/01/03          0
    0415685924                           O            01/01/33
    0

    8335827          E22/G01             F           44,658.00         ZZ
                                         360         44,629.52          1
                                       8.250            335.50         95
                                       8.000            335.50
    SAN ANTONIO      TX   78218          1            01/27/03         23
    0415713098                           05           03/01/03          0
    0415713098                           O            02/01/33
    0

    8335859          E22/G01             F          147,500.00         ZZ
                                         360        147,291.11          1
                                       7.750          1,056.71        107
                                       7.250          1,056.71
    SOUTH BEND       IN   46635          2            12/30/02         23
    0415737899                           05           02/01/03          0
    0415737899                           O            01/01/33
    0

    8335865          E22/G01             F           67,925.00         ZZ
                                         360         67,883.86          1
                                       8.500            522.28         95
                                       8.250            522.28
    KANSAS CITY      MO   64127          1            01/06/03         23
    0415741875                           05           03/01/03          0
    0415741875                           N            02/01/33
    0

    8335881          E22/G01             F           88,750.00         ZZ
                                         360         88,705.18          1
                                       9.375            738.18        103
                                       8.875            738.18
    BLISSFIELD       MI   49268          1            01/06/03         23
    0415752807                           05           03/01/03          0
    0415752807                           O            02/01/33
    0

    8336003          E22/G01             F           96,700.00         ZZ
                                         360         96,419.17          1
                                       7.625            684.44        104
                                       7.375            684.44
1

    AUSTIN           TX   78759          1            01/06/03         23
    0415770965                           01           03/01/03          0
    0415770965                           O            02/01/33
    0

    8336015          E22/G01             F          147,500.00         ZZ
                                         360        147,296.31          1
                                       7.875          1,069.48        102
                                       7.625          1,069.48
    PALATINE         IL   60074          5            12/31/02         23
    0415782523                           01           02/01/03          0
    0415782523                           O            01/01/33
    0

    8336029          E22/G01             F          133,900.00         ZZ
                                         360        133,753.17          1
                                       9.000          1,077.39        103
                                       8.500          1,077.39
    BERNALILLO       NM   87043          1            01/06/03         23
    0415813013                           05           02/01/03          0
    0415813013                           O            01/01/33
    0

    8336031          E22/G01             F          143,059.00         ZZ
                                         360        142,861.44          1
                                       7.875          1,037.28        107
                                       7.625          1,037.28
    PASCO            WA   99301          1            12/31/02         23
    0415818400                           05           02/01/03          0
    0415818400                           O            01/01/33
    0

    8336033          E22/G01             F          161,000.00         ZZ
                                         360        160,766.20          2
                                       7.625          1,139.55        100
                                       7.375          1,139.55
    GRETNA           LA   70053          1            01/06/03         23
    0415819986                           05           02/01/03          0
    0415819986                           O            01/01/33
    0

    8336315          K15/G01             F          129,500.00         ZZ
                                         360        129,220.52          1
                                       7.875            938.96        102
                                       7.625            938.96
    RENO             NV   89506          5            12/23/02         23
    0435190434                           05           02/01/03          0
    022105508228                         O            01/01/33
    0
1

    8336379          E86/G01             F           73,150.00         ZZ
                                         360         73,046.40          2
                                       7.750            524.06         95
                                       7.500            524.06
    MIDDLETOWN       OH   45044          1            12/13/02         23
    0435188339                           05           02/01/03          0
    251830                               N            01/01/33
    0

    8336401          K15/G01             F          160,900.00         ZZ
                                         360        160,728.09          2
                                       9.125          1,309.14        103
                                       8.875          1,309.14
    CHICAGO          IL   60629          1            12/17/02         23
    0435198593                           05           02/01/03          0
    046100112444                         O            01/01/33
    0

    8336723          T59/G01             F          104,040.00         ZZ
                                         180        102,581.64          1
                                       8.500          1,024.52        102
                                       8.250          1,024.52
    VINTON           VA   24179          2            09/25/02         23
    0435145727                           05           11/01/02          0
    10207209                             O            10/01/17
    0

    8336751          B57/G01             F          119,000.00         ZZ
                                         360        118,822.81          1
                                       7.500            832.07        104
                                       7.250            832.07
    MESA             AZ   85203          1            12/16/02         23
    0435216213                           05           02/01/03          0
    20001209                             O            01/01/33
    0

    8336891          L16/G01             F          156,000.00         ZZ
                                         360        155,784.58          1
                                       7.875          1,131.11        100
                                       7.625          1,131.11
    BAKERSFIELD      CA   93309          1            12/13/02         23
    0435188370                           05           02/01/03          0
    8307                                 O            01/01/33
    0

    8336945          Q78/G01             F          121,980.00         ZZ
                                         360        121,856.73          1
1

                                       8.625            948.75        107
                                       8.375            948.75
    LANSING          MI   48910          5            01/03/03         23
    0435215835                           05           03/01/03          0
    721570                               O            02/01/33
    0

    8336971          W42/G01             F          162,225.00         ZZ
                                         360        162,013.59          1
                                      10.125          1,438.65        103
                                       9.875          1,438.65
    WEST CHESTER     OH   45069          1            12/16/02         23
    0435207980                           05           01/16/03          0
    28436245                             O            12/16/32
    0

    8336989          588/G01             F          217,350.00         ZZ
                                         300        216,800.60          1
                                       8.125          1,695.58        104
                                       7.875          1,695.58
    SOUTH BOUND BRO  NJ   08880          1            12/18/02         23
    0435194808                           05           02/01/03          0
    1077088                              O            01/01/28
    0

    8337055          W42/G01             F          105,450.00         ZZ
                                         180        105,271.35          1
                                       8.875            839.00         95
                                       8.625            839.00
    CHICAGO          IL   60620          1            11/19/02         23
    0435208327                           05           12/19/02          0
    1                                    O            11/19/17
    0

    8337255          642/G01             F          199,000.00         ZZ
                                         360        198,770.19          1
                                       8.750          1,565.53        103
                                       8.500          1,565.53
    ST LOUIS PARK    MN   55416          5            12/17/02         23
    0435188867                           05           02/01/03          0
    10127802                             O            01/01/33
    0

    8337665          G75/G01             F          204,000.00         ZZ
                                         360        203,718.28          1
                                       7.875          1,479.15        107
                                       7.625          1,479.15
    DOUGLASVILLE     PA   19518          1            12/24/02         23
    0435182191                           05           02/01/03          0
1

    04697186                             O            01/01/33
    0

    8337821          Q78/G01             F           51,360.00         ZZ
                                         360         51,281.42          1
                                       7.875            372.40         99
                                       7.625            372.40
    LOGAN            IA   51546          1            12/27/02         23
    0435203005                           05           02/01/03          0
    720012                               O            01/01/33
    0

    8337861          U85/G01             F           87,447.00         ZZ
                                         180         87,309.96          1
                                       9.250            719.40        103
                                       9.000            719.40
    MANAWA           WI   54949          1            11/27/02         23
    0435194311                           05           01/01/03          0
    WEPNER                               O            12/01/17
    0

    8337886          W02/G01             F           89,000.00         ZZ
                                         360         88,469.40          1
                                       7.885            645.93         87
                                       7.635            645.93
    BRANDON          FL   33511          5            10/24/02         23
    0435000641                           05           12/01/02          0
    1001655109                           O            11/01/32
    0

    8337915          685/G01             F          359,950.00         ZZ
                                         360        359,400.52          1
                                       7.375          2,486.09        100
                                       7.125          2,486.09
    SAN CLEMENTE     CA   92673          1            12/23/02         23
    0435193172                           01           02/01/03          0
    132747                               O            01/01/33
    0

    8337933          X31/G01             F           96,925.00         ZZ
                                         360         96,794.50          1
                                       8.000            711.20        100
                                       7.750            711.20
    SALEM            OR   97301          1            12/19/02         23
    0435194451                           07           02/01/03          0
    52000175                             O            01/01/33
    0

1

    8337971          U19/G01             F          113,300.00         ZZ
                                         360        113,147.44          1
                                       8.000            831.36        103
                                       7.750            831.36
    TUCSON           AZ   85746          1            12/18/02         23
    0435304829                           05           02/01/03          0
    11000091                             O            01/01/33
    0

    8337993          N74/G01             F          195,700.00         ZZ
                                         360        195,521.45          1
                                       9.875          1,699.36        103
                                       9.625          1,699.36
    DURHAM           NC   27712          5            12/31/02         23
    0435270848                           05           02/06/03          0
    0031467010                           O            01/06/33
    0

    8337995          Q78/G01             F          193,670.00         ZZ
                                         360        193,539.78          1
                                       7.990          1,419.74        101
                                       7.740          1,419.74
    LEES SUMMIT      MO   64081          2            12/31/02         23
    0435187729                           05           03/01/03          0
    720781                               O            02/01/33
    0

    8338009          U85/G01             F           84,975.00         ZZ
                                         180         84,834.69          1
                                       9.000            683.73        100
                                       8.750            683.73
    APPLETON         WI   54911          1            11/27/02         23
    0435222278                           05           01/01/03          0
    KREJ                                 O            12/01/17
    0

    8338015          M37/G01             F          118,235.00         ZZ
                                         360        118,071.72          1
                                       7.875            857.29        104
                                       7.625            857.29
    PHOENIX          AZ   85008          2            12/24/02         23
    0435193008                           05           02/01/03          0
    610899                               O            01/01/33
    0

    8338061          B28/G01             F          296,300.00         ZZ
                                         360        295,094.97          1
                                       7.500          2,071.78         99
                                       7.250          2,071.78
1

    COLORADO SPRING  CO   80918          2            12/19/02         23
    0435174917                           03           02/01/03          0
    05200481                             O            01/01/33
    0

    8338213          737/G01             F          132,850.00         ZZ
                                         360        132,671.12          1
                                       8.000            974.81        103
                                       7.750            974.81
    MESA             AZ   85212          1            12/26/02         23
    0435209614                           05           02/01/03          0
    2101352                              O            01/01/33
    0

    8338333          A11/G01             F          144,200.00         ZZ
                                         360        144,041.87          1
                                       9.000          1,160.27        100
                                       8.750          1,160.27
    NEW BALTIMORE    MI   48047          1            12/26/02         23
    0435193743                           05           02/01/03          0
    1671131000W                          O            01/01/33
    0

    8338415          W17/G01             F          183,150.00         ZZ
                                         360        182,995.74          1
                                      10.250          1,641.21         99
                                      10.000          1,641.21
    MIAMI            FL   33155          1            12/27/02         23
    0435290366                           05           02/01/03          0
    020358                               O            01/01/33
    0

    8338793          E22/G01             F          126,200.00         ZZ
                                         360        126,103.97          1
                                       7.375            871.63        107
                                       7.125            871.63
    DOTHAN           AL   36305          9            01/02/03         23
    0415350156                           05           03/01/03          0
    0415350156                           O            02/01/33
    0

    8338795          E22/G01             F          175,100.00         ZZ
                                         360        174,897.79          1
                                       8.750          1,377.51        103
                                       8.500          1,377.51
    PORTLAND         OR   97233          9            12/27/02         23
    0415367267                           05           02/01/03          0
    0415367267                           O            01/01/33
    0
1

    8338885          E22/G01             F          327,000.00         ZZ
                                         360        326,602.40          1
                                       8.500          2,514.35        103
                                       8.250          2,514.35
    (NORTH HOLLYWOO  CA   91344          1            12/24/02         23
    0415705516                           05           02/01/03          0
    0415705516                           O            01/01/33
    0

    8338893          E22/G01             F          146,000.00         ZZ
                                         360        145,866.55          1
                                       9.875          1,267.79        100
                                       9.375          1,267.79
    WAUKEGAN         IL   60085          5            01/02/03         23
    0415711316                           05           02/01/03          0
    0415711316                           O            01/01/33
    0

    8338927          E22/G01             F          132,200.00         ZZ
                                         360        132,115.71          1
                                       8.250            993.17        106
                                       8.000            993.17
    HAMPTON          VA   23666          1            01/07/03         23
    0415762053                           03           03/01/03          0
    0415762053                           O            02/01/33
    0

    8338937          E22/G01             F          166,000.00         ZZ
                                         360        165,876.80          1
                                       7.500          1,160.70        100
                                       7.250          1,160.70
    AUSTIN           TX   78731          1            01/07/03         23
    0415779628                           05           03/01/03          0
    0415779628                           O            02/01/33
    0

    8338953          E22/G01             F          174,950.00         ZZ
                                         360        174,838.44          1
                                       8.250          1,314.34        100
                                       8.000          1,314.34
    ROSEVILLE        CA   95678          1            12/31/02         23
    0415793751                           05           03/01/03          0
    0415793751                           O            02/01/33
    0

    8339197          N67/G01             F          118,450.00         ZZ
                                         360        118,339.03          1
1

                                       9.750          1,017.67        103
                                       9.500          1,017.67
    PHOENIX          AZ   85032          5            12/12/02         23
    0435197249                           05           02/01/03          0
    1781004294                           O            01/01/33
    0

    8339201          X63/G01             F          171,600.00         ZZ
                                         360        171,396.65          1
                                       8.625          1,334.69        107
                                       8.375          1,334.69
    DOS PALOS        CA   93620          1            12/24/02         23
    0435182381                           05           02/01/03          0
    02120092                             O            01/01/33
    0

    8339227          R17/G01             F          118,450.00         ZZ
                                         360        118,294.51          1
                                       8.125            879.49         88
                                       7.875            879.49
    PASADENA         CA   91101          1            12/02/02         23
    0435205083                           01           02/01/03          0
    1000164127                           O            01/01/33
    0

    8339339          B28/G01             F           39,000.00         ZZ
                                         360         38,943.36          1
                                       7.625            276.04        100
                                       7.375            276.04
    CAIRO            NE   68824          1            12/23/02         23
    0435174800                           05           02/01/03          0
    16600115                             O            01/01/33
    0

    8339403          W42/G01             F          175,100.00         ZZ
                                         180        174,832.63          1
                                       9.375          1,456.40        103
                                       9.125          1,456.40
    AURORA           IL   60506          1            12/16/02         23
    0435215769                           05           01/16/03          0
    32364222                             O            12/16/17
    0

    8339455          U75/G01             F          248,230.00         ZZ
                                         360        248,031.84          1
                                      10.500          2,270.66        103
                                      10.000          2,270.66
    APPLE VALLEY     MN   55124          5            12/26/02         23
    0435237946                           05           02/01/03          0
1

    004368                               O            01/01/33
    0

    8339543          588/G01             F          140,590.00         ZZ
                                         180        140,423.40          1
                                       8.625          1,093.49        103
                                       8.375          1,093.49
    ROCKVILLE        MD   20853          1            12/23/02         23
    0435425145                           01           02/01/03          0
    1083847                              O            01/01/18
    0

    8339551          B57/G01             F          143,170.00         ZZ
                                         360        142,962.10          1
                                       7.625          1,013.35        103
                                       7.375          1,013.35
    PHOENIX          AZ   85013          1            12/15/02         23
    0435215082                           05           02/01/03          0
    20001174                             O            01/01/33
    0

    8339563          588/G01             F          198,000.00         ZZ
                                         360        197,674.45          1
                                       7.000          1,317.30        100
                                       6.750          1,317.30
    MILFORD  BOROUG  NJ   08848          1            12/27/02         23
    0435183710                           05           02/01/03          0
    1082100                              O            01/01/33
    0

    8339579          X21/G01             F          180,000.00         ZZ
                                         360        179,718.31          1
                                       7.250          1,227.92        107
                                       7.000          1,227.92
    CROFTON          MD   21114          1            12/20/02         23
    0435195987                           09           02/01/03          0
    706047                               O            01/01/33
    0

    8339615          U05/G01             F          226,600.00         ZZ
                                         360        226,254.10          1
                                       7.375          1,565.07        103
                                       7.125          1,565.07
    EL CAJON         CA   92021          1            12/11/02         23
    0435180633                           01           02/01/03          0
    3288198                              O            01/01/33
    0

1

    8339635          U85/G01             F           94,400.00         ZZ
                                         360         94,168.66          2
                                       8.500            725.85        100
                                       8.250            725.85
    MILWAUKEE        WI   53215          1            11/04/02         23
    0435172945                           05           12/01/02          0
    10091                                O            11/01/32
    0

    8339637          624/G01             F          147,000.00         ZZ
                                         360        146,775.61          1
                                       7.375          1,015.29        100
                                       7.125          1,015.29
    HANFORD          CA   93230          5            12/16/02         23
    0435188685                           05           02/01/03          0
    1000018117                           O            01/01/33
    0

    8339643          E84/G01             F          179,500.00         ZZ
                                         360        179,245.80          1
                                       7.750          1,285.96        100
                                       7.500          1,285.96
    DENVER           CO   80211          1            12/13/02         23
    0435186507                           05           02/01/03          0
    1101006087                           O            01/01/33
    0

    8339653          K15/G01             F          155,000.00         ZZ
                                         360        154,838.66          1
                                       9.250          1,275.15         99
                                       9.000          1,275.15
    VACAVILLE        CA   95687          5            12/10/02         23
    0435198627                           01           02/01/03          0
    039005504824                         O            01/01/33
    0

    8340211          X31/G01             F          130,500.00         ZZ
                                         360        130,315.19          1
                                       7.750            934.92        101
                                       7.500            934.92
    EUGENE           OR   97404          2            12/20/02         23
    0435198486                           05           02/01/03          0
    59000220                             O            01/01/33
    0

    8340235          147/G01             F          138,900.00         ZZ
                                         360        138,743.69          1
                                       8.875          1,105.15        103
                                       8.625          1,105.15
1

    COATESVILLE      PA   19320          5            12/07/02         23
    0435196944                           05           02/01/03          0
    10512649                             O            01/01/33
    0

    8340253          737/G01             F           76,500.00         ZZ
                                         360         76,377.30          1
                                       7.125            515.39        100
                                       6.875            515.39
    MEMPHIS          TN   38127          2            12/26/02         23
    0435186218                           03           02/01/03          0
    2099389                              O            01/01/33
    0

    8340265          737/G01             F           99,000.00         ZZ
                                         360         98,863.29          1
                                       7.875            717.82        100
                                       7.625            717.82
    PHOENIX          AZ   85021          1            12/26/02         23
    0435184403                           09           02/01/03          0
    2100485                              O            01/01/33
    0

    8340281          K15/G01             F          266,300.00         ZZ
                                         360        265,950.42          1
                                       8.125          1,977.27        106
                                       7.875          1,977.27
    GRAYSLAKE        IL   60030          5            12/21/02         23
    0435190806                           05           02/01/03          0
    00199000550524                       O            01/01/33
    0

    8340287          964/G01             F          196,500.00         ZZ
                                         360        196,248.54          1
                                       8.250          1,476.24         96
                                       8.000          1,476.24
    TACOMA           WA   98407          5            12/26/02         23
    0435177464                           05           02/01/03          0
    314005                               O            01/01/33
    0

    8340293          N74/G01             F          143,582.00         ZZ
                                         360        143,373.50          1
                                       7.625          1,016.26        103
                                       7.375          1,016.26
    NEWARK           DE   19702          1            12/20/02         23
    0435226782                           07           02/01/03          0
    3300010175                           O            01/01/33
    0
1

    8340343          964/G01             F           77,250.00         ZZ
                                         360         77,160.78          1
                                       8.750            607.73        103
                                       8.500            607.73
    FORT WORTH       TX   76135          1            12/31/02         23
    0435180740                           05           02/01/03          0
    317596                               O            01/01/33
    0

    8340776          W02/G01             F          111,755.00         ZZ
                                         360        111,468.48          1
                                       8.500            859.30        103
                                       8.250            859.30
    ELIZABETHTOWN    KY   42701          5            11/25/02         23
    0435187596                           05           01/01/03          0
    1001698183                           O            12/01/32
    0

    8340780          U66/G01             F          131,700.00         ZZ
                                         360        131,519.00          1
                                       9.875          1,143.62        101
                                       9.625          1,143.62
    MISSOURI CITY    TX   77459          1            12/18/02         23
    0435144829                           05           02/01/03          0
    0657037                              O            01/01/33
    0

    8341017          X64/G01             F           93,900.00         ZZ
                                         360         93,785.83          1
                                       8.500            722.01         99
                                       8.250            722.01
    INKSTER          MI   48141          2            12/23/02         23
    0435200456                           05           02/01/03          0
    0000001692                           O            01/01/33
    0

    8341025          950/G01             F          263,100.00         ZZ
                                         360        262,736.68          1
                                       7.875          1,907.66        107
                                       7.625          1,907.66
    SNOHOMISH        WA   98296          5            12/19/02         23
    0435254354                           29           02/01/03          0
    EW211261                             O            01/01/33
    0

    8341051          940/G01             F           90,800.00         ZZ
                                         360         90,657.90          1
1

                                       7.250            619.42        107
                                       7.000            619.42
    LANCASTER        CA   93534          1            12/27/02         23
    0435224472                           01           02/01/03          0
    40021181                             O            01/01/33
    0

    8341163          M50/G01             F           85,405.00         ZZ
                                         360         85,303.80          2
                                       8.625            664.27         95
                                       8.375            664.27
    HARVEY           IL   60426          1            12/16/02         23
    0435393319                           05           02/01/03          0
    2210802                              N            01/01/33
    0

    8341243          M50/G01             F          170,877.00         ZZ
                                         180        170,708.23          1
                                       9.500          1,436.83        103
                                       9.250          1,436.83
    CHESTERFIELD     MI   48051          1            12/20/02         23
    0435200449                           05           02/01/03          0
    2710895                              O            01/01/18
    0

    8341327          M50/G01             F           59,375.00         ZZ
                                         180         59,297.06          1
                                       8.125            440.86         95
                                       7.875            440.86
    DALLAS           TX   75224          1            12/31/02         23
    0435183306                           05           02/01/03          0
    1210973                              N            01/01/18
    0

    8341387          Q31/G01             F          140,070.00         ZZ
                                         360        139,890.75          1
                                       8.250          1,052.30        103
                                       8.000          1,052.30
    LAS VEGAS        NV   89108          5            12/24/02         23
    0435203898                           05           02/01/03          0
    SD876712                             O            01/01/33
    0

    8341465          G34/G01             F          133,750.00         ZZ
                                         360        133,550.86          1
                                       7.500            935.20        107
                                       7.250            935.20
    CROSWELL         MI   48422          5            12/17/02         23
    0435183116                           05           02/01/03          0
1

    59211116                             O            01/01/33
    0

    8341504          U66/G01             F          111,000.00         ZZ
                                         360        110,898.72          1
                                       9.875            963.87        100
                                       9.625            963.87
    HOUSTON          TX   77084          1            12/20/02         23
    0435172770                           05           02/01/03          0
    0658868                              O            01/01/33
    0

    8341513          F64/G01             F          175,200.00         ZZ
                                         360        175,035.86          1
                                       9.750          1,505.24        103
                                       9.500          1,505.24
    WENTZVILLE       MO   63385          1            12/16/02         23
    0435194352                           05           02/01/03          0
    00004543                             O            01/01/33
    0

    8341543          642/G01             F          224,000.00         ZZ
                                         360        223,867.75          1
                                       8.625          1,742.25        107
                                       8.375          1,742.25
    BELLEVUE         WA   98005          5            01/02/03         23
    0435194329                           01           03/01/03          0
    11236402                             O            02/01/33
    0

    8341555          M45/G01             F          121,873.00         ZZ
                                         360        121,713.00          1
                                       8.125            904.91        107
                                       7.875            904.91
    HICKORY          NC   28602          1            12/12/02         23
    0435194204                           03           02/01/03          0
    A0400539                             O            01/01/33
    0

    8341576          F34/G01             F          213,245.00         ZZ
                                         360        212,998.73          1
                                       8.750          1,677.60         91
                                       8.500          1,677.60
    QUEENS VILLAGE   NY   11429          5            12/12/02         23
    0435407135                           05           02/01/03          0
    1                                    O            01/01/33
    0

1

    8341586          Q64/G01             F          290,000.00         ZZ
                                         180        289,619.30          1
                                       8.125          2,153.25        100
                                       7.875          2,153.25
    AURORA           CO   80016          1            12/17/02         23
    0435183330                           05           02/01/03          0
    0105687404                           O            01/01/18
    0

    8341589          T23/G01             F          188,800.00         ZZ
                                         360        188,659.88          1
                                       7.500          1,320.12        106
                                       7.250          1,320.12
    WASHINGTON       PA   15301          1            01/06/03         23
    0435201330                           05           03/01/03          0
    5944                                 O            02/01/33
    0

    8341597          M45/G01             F          134,000.00         ZZ
                                         360        133,849.19          1
                                       8.875          1,066.17        100
                                       8.625          1,066.17
    TUCSON           AZ   85743          1            12/06/02         23
    0435194345                           03           02/01/03          0
    A0407921                             O            01/01/33
    0

    8341617          S53/G01             F          210,000.00         ZZ
                                         360        209,731.26          1
                                       8.250          1,577.66        100
                                       8.000          1,577.66
    BLOOMINGTON      IN   47401          1            12/17/02         23
    0435214796                           05           02/01/03          0
    9840668                              O            01/01/33
    0

    8341619          Y26/G01             F          261,864.00         ZZ
                                         360        261,502.38          1
                                       7.875          1,898.70        105
                                       7.625          1,898.70
    IRVINE           CA   92614          1            12/11/02         23
    0435208608                           01           02/01/03          0
    1                                    O            01/01/33
    0

    8342099          003/G01             F           75,000.00         ZZ
                                         360         74,893.78          1
                                       7.750            537.31         93
                                       7.500            537.31
1

    PORT SAINT LUCI  FL   34952          1            12/16/02         23
    0435189485                           05           02/01/03          0
    0021884895                           N            01/01/33
    0

    8342230          588/G01             F          221,450.00         ZZ
                                         360        220,953.87          1
                                       7.500          1,548.41        103
                                       7.250          1,548.41
    FALLS CHURCH     VA   22042          1            11/15/02         23
    0435246129                           01           01/01/03          0
    1080115                              O            12/01/32
    0

    8342302          Q64/G01             F           98,400.00         ZZ
                                         360         98,264.12          1
                                       7.875            713.47        107
                                       7.625            713.47
    SIMPSONVILLE     SC   29680          2            12/20/02         23
    0435183652                           05           02/01/03          0
    0105722508                           O            01/01/33
    0

    8342353          E22/G01             F          144,000.00         ZZ
                                         360        143,806.12          1
                                       8.000          1,056.62        107
                                       7.500          1,056.62
    SELMA            CA   93662          5            12/24/02         23
    0415334077                           05           02/01/03          0
    0415334077                           O            01/01/33
    0

    8342367          E22/G01             F          130,000.00         ZZ
                                         360        129,791.48          1
                                       7.125            875.83         97
                                       6.625            875.83
    TUCSON           AZ   85747          5            12/22/02         23
    0415429539                           05           02/01/03          0
    0415429539                           O            01/01/33
    0

    8342417          H76/G01             F          188,800.00         ZZ
                                         360        188,666.74          1
                                       7.750          1,352.59        105
                                       7.500          1,352.59
    CHICAGO          IL   60638          5            01/06/03         23
    0435194337                           05           03/01/03          0
    1                                    O            02/01/33
    0
1

    8342471          E22/G01             F          240,400.00         ZZ
                                         360        240,059.55          1
                                       7.750          1,722.26        107
                                       7.500          1,722.26
    SANTEE           CA   92071          1            01/02/03         23
    0415670439                           01           02/01/03          0
    0415670439                           O            01/01/33
    0

    8342473          E22/G01             F          191,500.00         ZZ
                                         360        191,364.84          1
                                       7.750          1,371.93        100
                                       7.250          1,371.93
    SALEM            OR   97305          1            12/31/02         23
    0415673722                           05           03/01/03          0
    0415673722                           O            02/01/33
    0

    8342507          E22/G01             F          148,700.00         ZZ
                                         360        148,592.37          1
                                       7.625          1,052.49        101
                                       7.375          1,052.49
    SUN VALLEY       NV   89433          5            12/27/02         23
    0415716380                           03           03/01/03          0
    0415716380                           O            02/01/33
    0

    8342513          E22/G01             F           72,100.00         ZZ
                                         360         72,055.19          2
                                       8.375            548.01         95
                                       8.125            548.01
    CHICAGO          IL   60617          1            01/08/03         23
    0415723345                           05           03/01/03          0
    0415723345                           N            02/01/33
    0

    8342517          E22/G01             F           81,000.00         ZZ
                                         360         80,942.83          1
                                       7.750            580.29        107
                                       7.500            580.29
    KECHI            KS   67067          5            01/03/03         23
    0415723741                           05           03/01/03          0
    0415723741                           O            02/01/33
    0

    8342585          E22/G01             F           84,390.00         ZZ
                                         360         84,341.44          1
1

                                       8.750            663.90         97
                                       8.250            663.90
    REDFORD          MI   48239          2            01/03/03         23
    0415768076                           05           03/01/03          0
    0415768076                           O            02/01/33
    0

    8342595          E22/G01             F          129,900.00         ZZ
                                         360        129,817.16          1
                                       8.250            975.90        100
                                       8.000            975.90
    COLUMBUS         OH   43232          1            01/08/03         23
    0415788827                           05           03/01/03          0
    0415788827                           O            02/01/33
    0

    8342635          L16/G01             F          114,840.00         ZZ
                                         360        114,750.77          1
                                      10.625          1,061.23         99
                                      10.375          1,061.23
    YOUNGSTOWN       OH   44511          5            12/27/02         23
    0435194667                           05           02/01/03          0
    8176                                 O            01/01/33
    0

    8342665          W30/G01             F          160,500.00         ZZ
                                         360        160,304.85          1
                                       8.500          1,234.11        103
                                       8.250          1,234.11
    DERRY            NH   03038          1            12/30/02         23
    0435209259                           01           02/01/03          0
    0660274                              O            01/01/33
    0

    8342707          N67/G01             F          160,000.00         ZZ
                                         180        159,819.94          1
                                       8.875          1,273.03        100
                                       8.625          1,273.03
    SPRING HILL      KS   66083          1            12/24/02         23
    0435222203                           05           02/01/03          0
    1161003027                           O            01/01/18
    0

    8342737          737/G01             F           90,640.00         ZZ
                                         360         90,526.93          1
                                       8.375            688.93        100
                                       8.125            688.93
    LAMONT           CA   93241          1            12/27/02         23
    0435186176                           05           02/01/03          0
1

    1838838                              O            01/01/33
    0

    8342739          737/G01             F           62,000.00         ZZ
                                         360         61,961.47          1
                                       8.375            471.24        100
                                       8.125            471.24
    COCONUT CREEK    FL   33066          1            01/03/03         23
    0435184957                           01           03/01/03          0
    1843788                              O            02/01/33
    0

    8342779          737/G01             F          246,170.00         ZZ
                                         360        245,803.46          2
                                       7.500          1,721.26        103
                                       7.250          1,721.26
    LENNOX AREA      CA   90304          1            12/10/02         23
    0435158936                           05           02/01/03          0
    1840974                              O            01/01/33
    0

    8342859          624/G01             F          149,350.00         ZZ
                                         360        149,122.02          1
                                       7.375          1,031.52        103
                                       7.125          1,031.52
    MESA             AZ   85213          1            12/26/02         23
    0435175476                           05           02/01/03          0
    1000019451                           O            01/01/33
    0

    8342917          A11/G01             F          107,400.00         ZZ
                                         360        107,176.79          1
                                       7.875            778.73        107
                                       7.625            778.73
    LINCOLN PARK     MI   48146          1            12/23/02         23
    0435193503                           05           01/23/03          0
    6090714751                           O            12/23/32
    0

    8342921          M45/G01             F          206,000.00         ZZ
                                         360        205,722.62          1
                                       8.000          1,511.56        100
                                       7.750          1,511.56
    CRESENT CITY     CA   95531          1            12/05/02         23
    0435409578                           05           02/01/03          0
    A04054204                            O            01/01/33
    0

1

    8343013          L16/G01             F           64,350.00         ZZ
                                         360         64,277.58          1
                                       8.875            512.00         99
                                       8.625            512.00
    DELANO           CA   93215          1            01/03/03         23
    0435190665                           05           02/01/03          0
    7978                                 O            01/01/33
    0

    8343019          Q64/G01             F          115,550.00         ZZ
                                         360        115,377.96          1
                                       7.500            807.94        107
                                       7.250            807.94
    AUSTIN           TX   78704          1            12/24/02         23
    0435320932                           01           02/01/03          0
    0105812804                           O            01/01/33
    0

    8343045          A06/G01             F          406,500.00         ZZ
                                         360        406,005.72          1
                                       8.500          3,125.64        105
                                       8.250          3,125.64
    BLOOMFIELD HILL  MI   48301          1            12/27/02         23
    0435215363                           05           02/01/03          0
    021000020233130                      O            01/01/33
    0

    8343190          U66/G01             F          168,800.00         ZZ
                                         360        168,641.86          1
                                       9.750          1,450.25        103
                                       9.500          1,450.25
    HOUSTON          TX   77049          1            12/31/02         23
    0435175278                           05           02/01/03          0
    0661477                              O            01/01/33
    0

    8343270          A11/G01             F           80,300.00         ZZ
                                         360         80,214.20          1
                                       9.125            653.35        103
                                       8.875            653.35
    DETROIT          MI   48227          1            12/30/02         23
    0435190541                           05           02/01/03          0
    7271220274                           O            01/01/33
    0

    8343312          G75/G01             F          149,800.00         ZZ
                                         360        149,447.15          1
                                       7.500          1,047.43        104
                                       7.250          1,047.43
1

    CINCINNATI       OH   45212          1            12/16/02         23
    0435270178                           05           02/01/03          0
    04922515                             O            01/01/33
    0

    8343448          N67/G01             F          147,000.00         ZZ
                                         360        146,816.62          1
                                       8.375          1,117.31        100
                                       8.125          1,117.31
    NOLENSVILLE      TN   37135          1            12/24/02         23
    0435209721                           03           02/01/03          0
    3254003601                           O            01/01/33
    0

    8343740          U66/G01             F          147,250.00         ZZ
                                         360        147,183.10          1
                                       9.875          1,278.64        103
                                       9.625          1,278.64
    ROSHARON         TX   77583          1            01/07/03         23
    0435215041                           05           03/01/03          0
    0661223                              O            02/01/33
    0

    8343848          U66/G01             F           89,000.00         ZZ
                                         360         88,944.69          1
                                       8.375            676.46        100
                                       8.125            676.46
    MISSOURI CITY    TX   77469          1            01/10/03         23
    0435215181                           05           03/01/03          0
    0664329                              O            02/01/33
    0

    8343936          L68/G01             F          352,000.00         ZZ
                                         360        351,449.16          1
                                       7.250          2,401.26         99
                                       7.000          2,401.26
    POWAY            CA   92064          2            12/06/02         23
    0435191796                           05           02/01/03          0
    5265187                              O            01/01/33
    0

    8344011          W17/G01             F          141,075.00         ZZ
                                         360        140,993.83          1
                                       8.750          1,109.84         99
                                       8.500          1,109.84
    NAPLES           FL   34120          1            01/03/03         23
    0435259114                           05           03/01/03          0
    020388                               O            02/01/33
    0
1

    8344039          W78/G01             F           66,500.00         ZZ
                                         360         66,417.04          2
                                       8.375            505.45         95
                                       8.125            505.45
    NEW BRAUNFELS    TX   78130          1            12/16/02         23
    0435195888                           05           02/01/03          0
    40819925                             N            01/01/33
    0

    8344097          H76/G01             F          155,150.00         ZZ
                                         360        155,040.49          1
                                       7.750          1,111.52        107
                                       7.500          1,111.52
    MIAMI            FL   33157          2            01/07/03         23
    0435194386                           05           03/01/03          0
    2002-462457                          O            02/01/33
    0

    8344106          U66/G01             F           58,000.00         ZZ
                                         360         57,967.49          1
                                       8.875            461.47        100
                                       8.625            461.47
    HOUSTON          TX   77072          1            01/16/03         00
    0435223292                           09           03/01/03          0
    0663788                              O            02/01/33
    0

    8344524          U66/G01             F           50,750.00         ZZ
                                         360         50,726.94          1
                                       9.875            440.69        100
                                       9.625            440.69
    HOUSTON          TX   77078          1            01/03/03         23
    0435250147                           05           03/01/03          0
    599                                  O            02/01/33
    0

    8344555          J95/G01             F          224,700.00         ZZ
                                         360        224,365.43          1
                                       7.500          1,571.14        107
                                       7.250          1,571.14
    SUMNER           WA   98390          5            12/24/02         23
    0435185913                           05           02/01/03          0
    0040367468                           O            01/01/33
    0

    8344693          N67/G01             F          175,550.00         ZZ
                                         360        175,282.02          1
1

                                       7.375          1,212.48        107
                                       7.125          1,212.48
    NORTH LAS VEGAS  NV   89031          2            12/26/02         23
    0435188800                           05           02/01/03          0
    1162001152                           O            01/01/33
    0

    8344839          950/G01             F          165,300.00         ZZ
                                         360        165,059.96          1
                                       7.625          1,169.98         99
                                       7.375          1,169.98
    PORTLAND         OR   97233          5            12/17/02         23
    0435237458                           05           02/01/03          0
    Y2209026                             O            01/01/33
    0

    8345021          B57/G01             F          168,405.00         ZZ
                                         360        168,141.46          1
                                       7.250          1,148.82        103
                                       7.000          1,148.82
    PHOENIX          AZ   85023          1            12/23/02         23
    0435194519                           03           02/01/03          0
    20001207                             O            01/01/33
    0

    8345025          808/G01             F          278,000.00         ZZ
                                         360        277,653.19          1
                                       8.375          2,113.01        103
                                       8.125          2,113.01
    DOWNEY           CA   90242          2            12/17/02         23
    0435257159                           05           02/01/03          0
    9506044                              O            01/01/33
    0

    8345239          Q14/G01             F          157,400.00         ZZ
                                         360        157,165.65          1
                                       7.500          1,100.56         99
                                       7.250          1,100.56
    PEORIA           AZ   85345          2            12/23/02         23
    0435189618                           05           02/01/03          0
    0000210445                           O            01/01/33
    0

    8345338          U66/G01             F          115,750.00         ZZ
                                         180        115,419.18          1
                                       8.125          1,114.54        106
                                       7.875          1,114.54
    HOUSTON          TX   77018          2            01/14/03         23
    0435271291                           05           03/01/03          0
1

    608                                  O            02/01/18
    0

    8345367          R65/G01             F          115,239.00         ZZ
                                         360        114,757.24          1
                                       8.000            845.58        107
                                       7.750            845.58
    BRIGHTON         TN   38011          2            10/16/02         23
    0435260518                           05           12/01/02          0
    1507                                 O            11/01/32
    0

    8345377          808/G01             F          190,750.00         ZZ
                                         360        190,505.88          1
                                       8.250          1,433.05        102
                                       8.000          1,433.05
    SAN BERNARDINO   CA   92407          5            12/24/02         23
    0435216197                           05           02/01/03          0
    9328141                              O            01/01/33
    0

    8345419          808/G01             F          135,000.00         ZZ
                                         360        134,803.94          1
                                       7.625            955.53        106
                                       7.375            955.53
    LITTLEROCK       CA   93543          2            12/19/02         23
    0435237227                           05           02/01/03          0
    9427425                              O            01/01/33
    0

    8345653          950/G01             F          156,141.00         ZZ
                                         360        155,925.39          1
                                       7.875          1,132.13        100
                                       7.625          1,132.13
    PUYALLUP         WA   98375          1            12/16/02         23
    0435237334                           05           02/01/03          0
    EW2C032                              O            01/01/33
    0

    8345733          W78/G01             F           66,500.00         ZZ
                                         360         66,417.04          2
                                       8.375            505.45         95
                                       8.125            505.45
    NEW BRAUNFELS    TX   78130          1            12/16/02         23
    0435296728                           05           02/01/03          0
    40819611                             N            01/01/33
    0

1

    8345735          E22/G01             F           64,000.00         ZZ
                                         360         63,954.83          1
                                       7.750            458.50        107
                                       7.500            458.50
    JEFFERSON CITY   TN   37760          1            01/09/03         23
    0415736354                           05           03/01/03          0
    0415736354                           O            02/01/33
    0

    8345747          E22/G01             F           95,230.00         ZZ
                                         360         95,166.11          1
                                       8.000            698.76        107
                                       7.750            698.76
    GUNTERSVILLE     AL   35976          1            01/09/03         23
    0415790781                           05           03/01/03          0
    0415790781                           O            02/01/33
    0

    8345749          E22/G01             F          156,500.00         ZZ
                                         360        156,405.19          1
                                       8.500          1,203.35        103
                                       8.250          1,203.35
    PORTLAND         OR   97203          1            01/03/03         23
    0415796978                           05           03/01/03          0
    0415796978                           O            02/01/33
    0

    8345761          E22/G01             F          144,000.00         ZZ
                                         360        143,908.18          1
                                       8.250          1,081.82        107
                                       8.000          1,081.82
    ROSELLE          NJ   07203          1            01/09/03         23
    0415844455                           05           03/01/03          0
    0415844455                           O            02/01/33
    0

    8345763          E22/G01             F           41,800.00         ZZ
                                         360         41,774.02          1
                                       8.375            317.71         95
                                       8.125            317.71
    OMAHA            NE   68111          1            01/09/03         23
    0415872555                           05           03/01/03          0
    0415872555                           N            02/01/33
    0

    8345773          E22/G01             F          202,570.00         ZZ
                                         360        202,329.94          1
                                       8.625          1,575.57        102
                                       8.125          1,575.57
1

    ALBUQUERQUE      NM   87114          1            01/07/03         23
    0415316041                           03           02/01/03          0
    0415316041                           O            01/01/33
    0

    8345791          E22/G01             F          137,500.00         ZZ
                                         360        137,402.95          2
                                       7.750            985.07        106
                                       7.500            985.07
    SPRINGFIELD      OR   97477          1            01/03/03         23
    0415490622                           05           03/01/03          0
    0415490622                           O            02/01/33
    0

    8345803          E22/G01             F          157,140.00         ZZ
                                         360        157,037.21          2
                                       8.125          1,166.76         97
                                       7.875          1,166.76
    HARTFORD         CT   06106          1            01/09/03         23
    0415526888                           05           03/01/03          0
    0415526888                           O            02/01/33
    0

    8345806          U66/G01             F           93,550.00         ZZ
                                         360         93,496.18          1
                                       8.750            735.96         99
                                       8.500            735.96
    MISSOURI CITY    TX   77489          1            01/21/03         23
    0435271663                           05           03/01/03          0
    612                                  O            02/01/33
    0

    8345814          W49/G01             F           92,150.00         ZZ
                                         360         92,088.05          1
                                       7.990            675.52        107
                                       7.740            675.52
    OVERLAND PARK    KS   66214          1            01/20/03         23
    0435298781                           05           03/01/03          0
    23002051991                          O            02/01/33
    0

    8345823          U45/G01             F           74,900.00         T
                                         360         74,652.27          1
                                       7.000            498.31        107
                                       6.750            498.31
    LEDGEDALE        PA   18426          1            10/24/02         23
    0435279898                           05           12/01/02          0
    0002401971                           O            11/01/32
    0
1

    8345825          E22/G01             F          121,000.00         ZZ
                                         360        120,930.38          2
                                       8.750            951.91        100
                                       8.250            951.91
    CHICAGO          IL   60636          1            01/09/03         23
    0415655133                           05           03/01/03          0
    0415655133                           O            02/01/33
    0

    8345839          E22/G01             F          119,375.00         ZZ
                                         360        119,292.85          1
                                       7.875            865.55        100
                                       7.625            865.55
    VIRGINIA BEACH   VA   23464          1            01/08/03         23
    0415689009                           05           03/01/03          0
    0415689009                           O            02/01/33
    0

    8345843          E22/G01             F          152,955.00         ZZ
                                         360        152,849.74          1
                                       7.875          1,109.03        103
                                       7.625          1,109.03
    STERLING         VA   20164          1            01/09/03         23
    0415692854                           01           03/01/03          0
    0415692854                           O            02/01/33
    0

    8345905          U05/G01             F          131,600.00         ZZ
                                         360        131,418.28          1
                                       7.875            954.19        107
                                       7.625            954.19
    VIRGINIA BEACH   VA   23453          2            12/30/02         23
    0435189170                           03           02/01/03          0
    3275256                              O            01/01/33
    0

    8345967          E76/G01             F           76,450.00         ZZ
                                         360         76,357.05          1
                                       8.500            587.83         95
                                       8.250            587.83
    PENSACOLA        FL   32526          1            12/23/02         23
    0435196712                           05           02/01/03          0
    100194646                            N            01/01/33
    0

    8345975          642/G01             F          178,190.00         ZZ
                                         360        177,933.18          1
1

                                       9.625          1,514.60        103
                                       9.375          1,514.60
    LANHAM           MD   20706          5            12/19/02         23
    0435194824                           09           02/01/03          0
    11107802                             O            01/01/33
    0

    8345981          W50/G01             F          202,810.00         ZZ
                                         180        202,680.68          1
                                       8.250          1,523.64        100
                                       8.000          1,523.64
    MINNEAPOLIS      MN   55446          1            01/03/03         23
    0435233002                           01           03/01/03          0
    0021663                              O            02/01/18
    0

    8345989          642/G01             F          176,200.00         ZZ
                                         360        175,962.77          1
                                       8.000          1,292.89        107
                                       7.750          1,292.89
    PELL CITY        AL   35128          5            12/31/02         23
    0435196399                           05           02/01/03          0
    11228702                             O            01/01/33
    0

    8345991          313/G01             F          174,070.00         ZZ
                                         180        173,852.85          1
                                       8.375          1,323.06        103
                                       8.125          1,323.06
    COLLIERVILLE     TN   38017          2            12/24/02         23
    0435284807                           05           02/01/03          0
    0009186024                           O            01/01/18
    0

    8345995          642/G01             F          270,890.00         ZZ
                                         360        270,742.04          1
                                       9.000          2,179.64        103
                                       8.750          2,179.64
    LAUREL           MD   20708          1            01/07/03         23
    0435194816                           03           03/01/03          0
    12184102                             O            02/01/33
    0

    8346013          U05/G01             F          272,050.00         ZZ
                                         360        271,602.70          1
                                       7.000          1,809.96        107
                                       6.750          1,809.96
    WASHINGTON       DC   20011          1            12/23/02         23
    0435188990                           07           02/01/03          0
1

    3293944                              O            01/01/33
    0

    8346141          U05/G01             F           93,000.00         ZZ
                                         360         92,861.53          1
                                       7.500            650.27        106
                                       7.250            650.27
    AKRON            OH   44320          5            12/20/02         23
    0435191614                           05           02/01/03          0
    3289737                              O            01/01/33
    0

    8346183          U05/G01             F          118,900.00         ZZ
                                         360        118,731.63          1
                                       7.750            851.81        100
                                       7.500            851.81
    EASTPOINTE       MI   48021          1            12/20/02         23
    0435188529                           05           02/01/03          0
    3291676                              O            01/01/33
    0

    8346431          X67/G01             F          235,200.00         ZZ
                                         360        234,875.22          1
                                       7.875          1,705.36        106
                                       7.625          1,705.36
    PARKER           CO   80134          5            12/07/02         23
    0435238316                           05           02/01/03          0
    00281335                             O            01/01/33
    0

    8346559          U05/G01             F           95,700.00         ZZ
                                         360         95,589.48          1
                                       8.750            752.87        100
                                       8.500            752.87
    LAWTON           OK   73507          1            12/11/02         23
    0435189949                           05           02/01/03          0
    3280609                              O            01/01/33
    0

    8346663          624/G01             F          114,000.00         ZZ
                                         360        113,904.23          1
                                       6.875            748.90        100
                                       6.625            748.90
    BREMERTON        WA   98311          1            01/08/03         23
    0435202734                           03           03/01/03          0
    1000019783                           O            02/01/33
    0

1

    8346665          M50/G01             F           89,000.00         ZZ
                                         180         88,888.99          1
                                       8.375            676.46        100
                                       8.125            676.46
    CALUMET CITY     IL   60409          1            12/30/02         23
    0435210109                           05           02/01/03          0
    2211004                              O            01/01/18
    0

    8346699          M50/G01             F           37,080.00         ZZ
                                         180         37,061.76          1
                                       9.500            311.79        103
                                       9.250            311.79
    PONTIAC          MI   48341          1            01/08/03         23
    0435199161                           05           03/01/03          0
    2710924                              O            02/01/18
    0

    8346711          X67/G01             F          125,400.00         ZZ
                                         360        125,231.16          1
                                       8.000            920.14         95
                                       7.750            920.14
    SANTA ANA        CA   92701          1            12/16/02         23
    0435224498                           01           02/01/03          0
    00281371                             O            01/01/33
    0

    8346735          X67/G01             F          262,650.00         ZZ
                                         360        262,354.43          1
                                       8.875          2,089.76        103
                                       8.625          2,089.76
    HAYWARD          CA   94542          1            12/10/02         23
    0435181821                           01           02/01/03          0
    00270512                             O            01/01/33
    0

    8346739          M50/G01             F          109,300.00         ZZ
                                         180        109,123.12          1
                                       8.125            811.55        100
                                       7.875            811.55
    MILLVILLE        DE   19970          1            12/20/02         23
    0435193735                           04           02/01/03          0
    3710936                              O            01/01/18
    0

    8347074          U66/G01             F          133,600.00         ZZ
                                         360        133,512.60          1
                                       8.125            991.98         99
                                       7.875            991.98
1

    HOUSTON          TX   77073          1            01/24/03         23
    0435307806                           05           03/01/03          0
    618                                  O            02/01/33
    0

    8347459          685/G01             F          191,580.00         ZZ
                                         360        191,358.75          1
                                       8.750          1,507.16        103
                                       8.500          1,507.16
    THOUSAND OAKS    CA   91362          1            12/30/02         23
    0435245881                           01           02/01/03          0
    132599                               O            01/01/33
    0

    8347497          964/G01             F          177,620.00         ZZ
                                         360        176,740.15          1
                                       6.875          1,166.84        107
                                       6.625          1,166.84
    SACRAMENTO       CA   95823          1            12/28/02         23
    0435193594                           01           02/01/03          0
    305756                               O            01/01/33
    0

    8347499          E86/G01             F          355,200.00         ZZ
                                         180        354,745.44          1
                                       8.250          2,668.50         99
                                       8.000          2,668.50
    DES PLAINES      IL   60018          5            12/20/02         23
    0435193628                           05           02/01/03          0
    0000246577                           O            01/01/18
    0

    8347505          964/G01             F          212,450.00         ZZ
                                         360        212,141.49          1
                                       7.625          1,503.71        104
                                       7.375          1,503.71
    CYPRESS          TX   77429          1            12/27/02         23
    0435192109                           03           02/01/03          0
    322176                               O            01/01/33
    0

    8347515          964/G01             F          112,000.00         ZZ
                                         360        111,837.36          1
                                       7.625            792.73        100
                                       7.375            792.73
    TUCSON           AZ   85704          5            12/20/02         23
    0435193602                           03           02/01/03          0
    307812                               O            01/01/33
    0
1

    8347528          U66/G01             F          132,000.00         ZZ
                                         360        131,915.83          1
                                       8.250            991.67        102
                                       8.000            991.67
    DICKINSON        TX   77539          1            01/24/03         23
    0435314927                           05           03/01/03          0
    0669354                              O            02/01/33
    0

    8347531          964/G01             F          210,500.00         ZZ
                                         360        210,216.58          1
                                       8.000          1,544.57        107
                                       7.750          1,544.57
    MADERA           CA   93638          1            12/23/02         23
    0435193636                           05           02/01/03          0
    319535                               O            01/01/33
    0

    8347543          940/G01             F          184,500.00         ZZ
                                         360        184,218.35          1
                                       7.375          1,274.30        100
                                       7.125          1,274.30
    ONTARIO          CA   91761          1            12/31/02         23
    0435240064                           07           02/01/03          0
    40021245                             O            01/01/33
    0

    8347571          J95/G01             F          163,800.00         ZZ
                                         360        163,530.96          1
                                       7.500          1,145.31        102
                                       7.250          1,145.31
    GILBERT          AZ   85234          2            12/19/02         23
    0435202957                           03           02/01/03          0
    0040780785                           O            01/01/33
    0

    8347629          642/G01             F           93,500.00         ZZ
                                         360         93,430.61          1
                                       7.500            653.77        107
                                       7.250            653.77
    NORFOLK          VA   23513          2            01/03/03         23
    0435194543                           05           03/01/03          0
    11-2033-02                           O            02/01/33
    0

    8347972          U66/G01             F          102,850.00         ZZ
                                         360        102,779.22          1
1

                                       7.875            745.73        107
                                       7.625            745.73
    HOUSTON          TX   77055          1            01/31/03         23
    0435359765                           05           03/01/03          0
    0672060                              O            02/01/33
    0

    8347989          N74/G01             F          147,000.00         ZZ
                                         360        146,838.80          1
                                       9.000          1,182.80        100
                                       8.750          1,182.80
    KINGS MOUNTAIN   NC   28086          5            01/07/03         23
    0435233358                           05           02/13/03          0
    0031494010                           O            01/13/33
    0

    8348073          U35/G01             F           85,000.00         ZZ
                                         360         84,944.40          2
                                       8.125            631.12         95
                                       7.875            631.12
    OSHKOSH          WI   54901          1            01/09/03         23
    0435272406                           05           03/01/03          0
    0007631925                           N            02/01/33
    0

    8348135          R65/G01             F          155,150.00         ZZ
                                         360        154,924.71          1
                                       7.625          1,098.14        107
                                       7.375          1,098.14
    BOWIE            MD   20720          1            12/30/02         23
    0435341995                           09           02/01/03          0
    4197847300                           O            01/01/33
    0

    8348294          A11/G01             F          215,000.00         ZZ
                                         360        214,882.56          1
                                       9.000          1,729.94        103
                                       8.750          1,729.94
    LIVONIA          MI   48150          5            01/24/03         23
    0435336524                           05           03/01/03          0
    113843606                            O            02/01/33
    0

    8348344          U66/G01             F           76,000.00         ZZ
                                         360         75,952.77          1
                                       8.375            577.65         95
                                       8.125            577.65
    CHANNELVIEW      TX   77530          1            01/31/03         23
    0435359559                           05           03/01/03          0
1

    0671990                              N            02/01/33
    0

    8348410          U66/G01             F           69,350.00         ZZ
                                         360         69,306.90          1
                                       8.375            527.11         95
                                       8.125            527.11
    HUMBLE           TX   77338          1            01/31/03         23
    0435357645                           05           03/01/03          0
    0671999                              N            02/01/33
    0

    8349147          W40/G01             F          134,700.00         ZZ
                                         360        134,533.16          1
                                       8.625          1,047.68        103
                                       8.375          1,047.68
    PHOENIX          AZ   85027          2            01/06/03         23
    0435201959                           05           03/01/03          0
    100012670                            O            02/01/33
    0

    8349219          W40/G01             F           95,790.00         ZZ
                                         360         95,719.50          1
                                      10.875            903.19        103
                                      10.375            903.19
    PORTAGE          MI   49024          5            12/30/02         23
    0435200993                           05           02/01/03          0
    102015799                            O            01/01/33
    0

    8349368          U66/G01             F          102,485.00         ZZ
                                         360        102,485.00          1
                                       9.625            871.11        103
                                       9.375            871.11
    HOUSTON          TX   77076          1            02/10/03         23
    0435368998                           05           04/01/03          0
    631                                  O            03/01/33
    0

    8349438          U66/G01             F           96,500.00         ZZ
                                         360         96,500.00          1
                                       9.625            820.24        103
                                       9.375            820.24
    HOUSTON          TX   77015          1            02/10/03         23
    0435369368                           05           04/01/03          0
    630                                  O            03/01/33
    0

1

    8349475          758/G01             F           90,250.00         ZZ
                                         360         90,125.37          1
                                       7.875            654.38         95
                                       7.625            654.38
    SUGAR LAND       TX   77479          1            12/31/02         14
    0435180955                           07           02/01/03         30
    361341                               N            01/01/33
    0

    8349527          R84/G01             F          245,000.00         ZZ
                                         360        244,644.23          1
                                       7.625          1,734.09        100
                                       7.375          1,734.09
    HENDERSON        NV   89012          1            12/27/02         23
    0435221734                           05           02/01/03          0
    LVR5271                              O            01/01/33
    0

    8349561          U42/G01             F          197,300.00         ZZ
                                         360        196,991.25          1
                                       7.250          1,345.93        103
                                       7.000          1,345.93
    WAKE FOREST      NC   27587          2            12/23/02         23
    0435240809                           05           02/01/03          0
    12203122                             O            01/01/33
    0

    8349572          U66/G01             F           90,000.00         ZZ
                                         360         90,000.00          1
                                       9.625            764.99        100
                                       9.375            764.99
    HOUSTON          TX   77041          1            02/07/03         23
    0435369053                           05           04/01/03          0
    626                                  O            03/01/33
    0

    8349832          U66/G01             F          102,600.00         ZZ
                                         360        102,600.00          1
                                       8.250            770.80         95
                                       8.000            770.80
    ROSENBERG        TX   77471          1            02/11/03         23
    0435417498                           05           04/01/03          0
    633                                  N            03/01/33
    0

    8349848          U66/G01             F           76,000.00         ZZ
                                         360         76,000.00          1
                                       9.625            645.99        100
                                       9.375            645.99
1

    BAYTOWN          TX   77520          1            02/10/03         23
    0435408190                           05           04/01/03          0
    629                                  O            03/01/33
    0

    8350378          U66/G01             F           85,700.00         ZZ
                                         360         85,700.00          1
                                       7.875            621.38        107
                                       7.625            621.38
    MISSOURI CITY    TX   77459          1            02/11/03         23
    0435428776                           03           04/01/03          0
    634                                  O            03/01/33
    0

    8350471          E22/G01             F          212,850.00         ZZ
                                         360        212,739.66          1
                                       9.250          1,751.06         99
                                       9.000          1,751.06
    DAVIE            FL   33325          5            01/06/03         23
    0415309616                           05           03/01/03          0
    0415309616                           O            02/01/33
    0

    8350481          E22/G01             F          122,500.00         ZZ
                                         360        122,419.87          1
                                       8.125            909.56         95
                                       7.875            909.56
    CHICAGO          IL   60643          1            01/10/03         23
    0415437904                           05           03/01/03          0
    0415437904                           N            02/01/33
    0

    8350489          E22/G01             F           29,500.00         ZZ
                                         360         29,485.10          2
                                       9.375            245.37         99
                                       8.875            245.37
    INDIANAPOLIS     IN   46205          1            01/10/03         23
    0415470780                           05           03/01/03          0
    0415470780                           O            02/01/33
    0

    8350523          E22/G01             F           97,850.00         ZZ
                                         360         97,801.87          1
                                       9.500            822.78        103
                                       9.250            822.78
    ORLANDO          FL   32818          5            01/06/03         23
    0415585678                           05           03/01/03          0
    0415585678                           O            02/01/33
    0
1

    8350525          E22/G01             F          248,745.00         ZZ
                                         360        248,601.89          1
                                       8.750          1,956.88        103
                                       8.250          1,956.88
    COOL             CA   95614          1            01/07/03         23
    0415590751                           03           03/01/03          0
    0415590751                           O            02/01/33
    0

    8350566          U66/G01             F           87,500.00         ZZ
                                         360         87,500.00          1
                                       8.125            649.69        100
                                       7.875            649.69
    HOUSTON          TX   77085          1            02/12/03         23
    0435425053                           05           04/01/03          0
    0676087                              O            03/01/33
    0

    8350577          E22/G01             F           60,000.00         ZZ
                                         360         59,963.65          1
                                       8.500            461.35        100
                                       8.000            461.35
    FRESNO           CA   93704          1            12/31/02         23
    0415669985                           05           03/01/03          0
    0415669985                           O            02/01/33
    0

    8350613          E22/G01             F          143,550.00         ZZ
                                         360        143,471.59          1
                                       9.000          1,155.04         99
                                       8.500          1,155.04
    LAKE WORTH       FL   33415          5            01/06/03         23
    0415723923                           03           03/01/03          0
    0415723923                           O            02/01/33
    0

    8350625          E22/G01             F          166,500.00         ZZ
                                         360        166,409.05          1
                                       9.000          1,339.70        101
                                       8.500          1,339.70
    HIALEAH          FL   33015          2            01/06/03         23
    0415738558                           03           03/01/03          0
    0415738558                           O            02/01/33
    0

    8350639          E22/G01             F           85,493.00         ZZ
                                         360         85,434.17          1
1

                                       7.875            619.88        107
                                       7.625            619.88
    HOUSTON          TX   77034          1            01/10/03         23
    0415745728                           03           03/01/03          0
    0415745728                           O            02/01/33
    0

    8350669          E22/G01             F          205,897.00         ZZ
                                         360        205,775.43          1
                                       8.625          1,601.45        103
                                       8.375          1,601.45
    VALPARAISO       IN   46383          1            01/10/03         23
    0415774298                           05           03/01/03          0
    0415774298                           O            02/01/33
    0

    8350671          E22/G01             F           90,250.00         ZZ
                                         360         90,192.45          1
                                       8.250            678.02         95
                                       7.750            678.02
    ARLINGTON        TX   76016          1            01/08/03         23
    0415782879                           05           03/01/03          0
    0415782879                           N            02/01/33
    0

    8350685          E22/G01             F          117,420.00         ZZ
                                         360        117,354.17          1
                                       8.875            934.25        103
                                       8.625            934.25
    BOISE            ID   83703          1            01/03/03         23
    0415796143                           05           03/01/03          0
    0415796143                           O            02/01/33
    0

    8350709          F34/G01             F          136,430.00         ZZ
                                         360        136,221.68          1
                                       9.375          1,134.76        103
                                       9.125          1,134.76
    PENNSVILLE       NJ   08070          5            11/19/02         23
    0435237722                           05           01/01/03          0
    79JG146615                           O            12/01/32
    0

    8350719          E22/G01             F          141,475.00         ZZ
                                         360        141,380.08          1
                                       8.000          1,038.09        100
                                       7.500          1,038.09
    APOPKA           FL   32703          1            01/10/03         23
    0415826973                           03           03/01/03          0
1

    0415826973                           O            02/01/33
    0

    8350727          E22/G01             F          166,500.00         ZZ
                                         360        166,373.31          1
                                       7.375          1,149.97        107
                                       7.125          1,149.97
    CITRUS HEIGHTS   CA   95621          1            01/08/03         23
    0415834779                           09           03/01/03          0
    0415834779                           O            02/01/33
    0

    8350741          E22/G01             F          161,710.00         ZZ
                                         360        161,609.49          1
                                       8.375          1,229.11        103
                                       8.125          1,229.11
    SANDY            UT   84094          1            01/08/03         23
    0415870963                           05           03/01/03          0
    0415870963                           O            02/01/33
    0

    8350771          E65/G01             F          220,500.00         ZZ
                                         360        220,195.51          1
                                       7.875          1,598.78        104
                                       7.625          1,598.78
    OXFORD           MI   48371          1            12/20/02         23
    0435220165                           05           02/01/03          0
    254968                               O            01/01/33
    0

    8350777          T15/G01             F          156,220.00         ZZ
                                         360        155,977.46          1
                                       7.290          1,069.94        107
                                       7.040          1,069.94
    COLUMBUS         OH   43224          2            12/06/02         23
    0435239223                           05           02/01/03          0
    1                                    O            01/01/33
    0

    8350783          F89/G01             F          123,600.00         ZZ
                                         360        123,304.12          1
                                       8.000            906.93        103
                                       7.750            906.93
    LOS ANGELES      CA   90011          1            12/23/02         23
    0435194261                           05           02/01/03          0
    13725549                             O            01/01/33
    0

1

    8350801          E65/G01             F          147,290.00         ZZ
                                         360        147,181.59          1
                                      10.875          1,388.78        103
                                      10.375          1,388.78
    DEARBORN HEIGHT  MI   48215          1            12/31/02         23
    0435251459                           05           02/01/03          0
    254859                               O            01/01/33
    0

    8350857          313/G01             F          251,250.00         ZZ
                                         360        250,903.04          1
                                       7.875          1,821.74        107
                                       7.625          1,821.74
    FEDERAL WAY      WA   98003          5            12/17/02         23
    0435239587                           05           02/01/03          0
    0009119066                           O            01/01/33
    0

    8350912          U66/G01             F          103,000.00         ZZ
                                         360        103,000.00          1
                                       9.250            847.36        103
                                       9.000            847.36
    MANSFIELD        TX   76063          1            02/14/03         23
    0435438767                           05           04/01/03          0
    638                                  O            03/01/33
    0

    8350913          588/G01             F          115,000.00         ZZ
                                         360        114,479.84          1
                                       7.500            804.10        100
                                       7.250            804.10
    ALEXANDRIA       VA   22312          1            08/26/02         23
    0435331434                           01           10/01/02          0
    1074058                              O            09/01/32
    0

    8350952          U66/G01             F          150,000.00         ZZ
                                         360        150,000.00          1
                                       9.000          1,206.93        100
                                       8.750          1,206.93
    HOUSTON          TX   77007          1            02/18/03         23
    0435431929                           05           04/01/03          0
    640                                  O            03/01/33
    0

    8350975          A06/G01             F          166,000.00         ZZ
                                         360        165,792.92          1
                                       8.375          1,261.72         98
                                       8.125          1,261.72
1

    CHESTERFIELD TO  MI   48047          2            12/07/02         23
    0435174412                           05           02/01/03          0
    5000020227349                        O            01/01/33
    0

    8351011          F34/G01             F          138,000.00         ZZ
                                         360        137,747.39          1
                                       8.500          1,061.11        100
                                       8.250          1,061.11
    GREENSBORO       NC   27406          5            11/29/02         23
    0435223524                           05           01/01/03          0
    Q9PQ292905                           O            12/01/32
    0

    8351353          B57/G01             F          105,000.00         ZZ
                                         360        104,862.17          1
                                       8.125            779.62         95
                                       7.875            779.62
    CHANDLER         AZ   85226          1            12/20/02         23
    0435238100                           01           02/01/03          0
    20001236                             N            01/01/33
    0

    8351495          313/G01             F           90,600.00         ZZ
                                         360         90,495.35          1
                                       8.750            712.76        103
                                       8.500            712.76
    DURHAM           NC   27707          2            12/20/02         23
    0435245782                           05           02/01/03          0
    0009114190                           O            01/01/33
    0

    8351533          E86/G01             F          154,050.00         ZZ
                                         360        153,842.59          1
                                       8.000          1,130.36        107
                                       7.750          1,130.36
    PARAMOUNT        CA   90723          1            12/18/02         23
    0435238191                           09           02/01/03          0
    0000256693                           O            01/01/33
    0

    8351593          W89/G01             F          153,450.00         ZZ
                                         360        153,358.91          1
                                       8.750          1,207.19        103
                                       8.500          1,207.19
    ROCKY MOUNT      NC   27804          2            01/08/03         23
    0435237870                           05           03/01/03          0
    4440254367                           O            02/01/33
    0
1

    8351607          F34/G01             F          184,000.00         ZZ
                                         360        183,680.09          1
                                       8.750          1,447.53        100
                                       8.500          1,447.53
    MISHAWAKA        IN   46545          5            11/23/02         23
    0435237862                           05           01/01/03          0
    Q9PQ2270646                          O            12/01/32
    0

    8351659          F34/G01             F           98,000.00         ZZ
                                         180         97,125.75          1
                                       7.750            922.46        100
                                       7.500            922.46
    FAYETTEVILLE     NC   28314          5            11/09/02         23
    0435274873                           05           01/01/03          0
    E3ZA22020A                           O            12/01/17
    0

    8351697          U75/G01             F           99,806.00         ZZ
                                         360         99,690.74          1
                                       8.750            785.17        107
                                       8.500            785.17
    YPSILANTI        MI   48198          1            12/30/02         23
    0435284245                           05           02/01/03          0
    004310                               O            01/01/33
    0

    8351731          F34/G01             F          159,650.00         ZZ
                                         360        159,379.49          1
                                       8.875          1,270.25        103
                                       8.625          1,270.25
    LAKELAND         FL   33801          5            11/13/02         23
    0435274923                           05           01/01/03          0
    Q6BD149891C                          O            12/01/32
    0

    8353075          642/G01             F           84,460.00         ZZ
                                         360         84,359.92          1
                                       8.625            656.92        103
                                       8.375            656.92
    EAST CLEVELAND   OH   44112          2            12/31/02         23
    0435194550                           05           02/01/03          0
    10162602                             O            01/01/33
    0

    8353163          S53/G01             F           80,750.00         ZZ
                                         360         80,646.66          2
1

                                       8.250            606.65         95
                                       8.000            606.65
    CINCINNATI       OH   45230          1            12/31/02         23
    0435194410                           05           02/01/03          0
    9841587                              N            01/01/33
    0

    8353185          X94/G01             F          155,000.00         ZZ
                                         360        154,740.66          1
                                       9.500          1,303.32        100
                                       9.250          1,303.32
    MINNEAPOLIS      MN   55412          1            12/03/02         23
    0435237664                           05           01/01/03          0
    991181                               O            12/01/32
    0

    8353211          R65/G01             F           58,850.00         ZZ
                                         360         58,476.17          1
                                       8.125            436.96        107
                                       7.875            436.96
    SCRANTON         PA   18505          1            12/20/02         23
    0435193495                           05           02/01/03          0
    41988672809                          O            01/01/33
    0

    8353225          F34/G01             F          151,000.00         ZZ
                                         360        149,547.96          1
                                       9.125          1,228.59         98
                                       8.875          1,228.59
    MARKSVILLE       LA   71351          2            11/20/02         23
    0435237771                           05           01/01/03          0
    E9PA170705                           O            12/01/32
    0

    8353261          N74/G01             F           28,840.00         ZZ
                                         360         28,810.75          1
                                       9.375            239.88        103
                                       9.125            239.88
    STAUNTON         VA   24401          1            01/09/03         23
    0435273966                           05           02/09/03          0
    0031500010                           O            01/09/33
    0

    8353319          N46/G01             F          134,000.00         ZZ
                                         360        133,903.02          1
                                       7.625            948.44        107
                                       7.375            948.44
    REIDSVILLE       NC   27320          5            01/02/03         23
    0435203393                           05           03/01/03          0
1

    PARS23N241                           O            02/01/33
    0

    8353397          940/G01             F           85,493.00         ZZ
                                         360         85,107.31          1
                                       7.625            605.11        107
                                       7.375            605.11
    APPLE VALLEY     CA   92307          1            01/03/03         23
    0435218870                           05           03/01/03          0
    40021282                             O            02/01/33
    0

    8353413          W05/G01             F          135,960.00         ZZ
                                         360        135,896.57          1
                                       9.750          1,168.11        103
                                       9.500          1,168.11
    GRAND JUNCTION   CO   81503          2            01/06/03         23
    0435239058                           05           03/01/03          0
    0000103863                           O            02/01/33
    0

    8353615          H76/G01             F          216,140.00         ZZ
                                         360        215,841.54          1
                                       7.875          1,567.16        107
                                       7.625          1,567.16
    COLLEGE PARK     MD   20740          5            12/31/02         23
    0435194485                           05           02/01/03          0
    2002-463353                          O            01/01/33
    0

    8353627          U05/G01             F          217,000.00         ZZ
                                         360        216,684.89          1
                                       7.625          1,535.91        100
                                       7.375          1,535.91
    DOWNINGTOWN      PA   19335          1            12/30/02         23
    0435195789                           05           02/01/03          0
    3287417                              O            01/01/33
    0

    8353635          H76/G01             F          197,950.00         ZZ
                                         360        197,826.96          1
                                       8.375          1,504.57        107
                                       8.125          1,504.57
    RUTHER GLEN      VA   22546          5            01/10/03         23
    0435194493                           03           03/01/03          0
    2002-466900                          O            02/01/33
    0

1

    8353727          Q14/G01             F           85,600.00         ZZ
                                         360         85,493.23          1
                                       8.375            650.62        101
                                       8.125            650.62
    SCOTTSDALE       AZ   85257          2            12/18/02         23
    0435207790                           01           02/01/03          0
    00002-10317                          O            01/01/33
    0

    8353755          P67/G01             F          295,000.00         ZZ
                                         360        294,816.64          1
                                       8.375          2,242.21        100
                                       8.125          2,242.21
    NEWTON           NH   03858          1            01/10/03         23
    0435247309                           05           03/01/03          0
    1000209115                           O            02/01/33
    0

    8353783          L03/G01             F          146,700.00         ZZ
                                         360        146,534.91          1
                                       8.875          1,167.21        100
                                       8.625          1,167.21
    BUCKEYE          AZ   85326          1            12/28/02         23
    0435246269                           03           02/01/03          0
    40007552                             O            01/01/33
    0

    8354771          Q78/G01             F           52,965.00         ZZ
                                         360         52,891.84          1
                                       7.875            384.04        107
                                       7.625            384.04
    EDMOND           OK   73034          1            12/18/02         23
    0435280516                           05           02/01/03          0
    720206                               O            01/01/33
    0

    8354903          E22/G01             F          103,000.00         ZZ
                                         360        102,801.62          1
                                       8.250            773.80        100
                                       8.000            773.80
    NIXA             MO   65714          1            11/20/02         23
    0415495613                           05           01/01/03          0
    0415495613                           O            12/01/32
    0

    8354913          E22/G01             F          153,000.00         ZZ
                                         360        152,922.73          1
                                       9.375          1,272.58         99
                                       9.125          1,272.58
1

    GLEN CARBON      IL   62034          5            01/08/03         23
    0415527035                           05           03/01/03          0
    0415527035                           O            02/01/33
    0

    8354931          E22/G01             F          215,000.00         ZZ
                                         360        214,852.04          1
                                       7.875          1,558.90        107
                                       7.625          1,558.90
    ANNISTON         AL   36207          2            01/07/03         23
    0415571124                           05           03/01/03          0
    0415571124                           O            02/01/33
    0

    8354959          E22/G01             F          126,837.00         ZZ
                                         360        126,762.11          1
                                       8.625            986.53         98
                                       8.125            986.53
    OKLAHOMA CITY    OK   73160          5            01/07/03         23
    0415634559                           05           03/01/03          0
    0415634559                           O            02/01/33
    0

    8355001          E22/G01             F           97,850.00         ZZ
                                         360         97,790.72          1
                                       8.500            752.38         95
                                       8.250            752.38
    CHICAGO          IL   60619          1            01/13/03         23
    0415676196                           05           03/01/03          0
    0415676196                           N            02/01/33
    0

    8355003          E22/G01             F          165,000.00         ZZ
                                         360        164,783.41          1
                                       8.125          1,225.12        100
                                       7.875          1,225.12
    COMPTON          CA   90221          1            12/12/02         23
    0415678101                           05           02/01/03          0
    0415678101                           O            01/01/33
    0

    8355005          E22/G01             F          176,220.00         ZZ
                                         360        176,121.20          1
                                       8.875          1,402.09         99
                                       8.375          1,402.09
    OMAHA            NE   68135          5            01/08/03         23
    0415678150                           05           03/01/03          0
    0415678150                           O            02/01/33
    0
1

    8355053          E22/G01             F           69,000.00         ZZ
                                         360         68,899.80          2
                                       7.625            488.38        107
                                       7.375            488.38
    KNOXVILLE        TN   37918          1            01/03/03         23
    0415718642                           05           02/01/03          0
    0415718642                           O            01/01/33
    0

    8355135          E22/G01             F          146,700.00         ZZ
                                         360        146,608.81          1
                                       8.375          1,115.03        100
                                       8.125          1,115.03
    CHARLOTTE        NC   28213          1            01/10/03         23
    0415801463                           05           03/01/03          0
    0415801463                           O            02/01/33
    0

    8355159          E22/G01             F          227,050.00         ZZ
                                         360        226,872.88          1
                                       7.250          1,548.88        101
                                       6.750          1,548.88
    TARPON SPRINGS   FL   34689          1            01/13/03         23
    0415835628                           05           03/01/03          0
    0415835628                           O            02/01/33
    0

    8355345          M45/G01             F          285,000.00         ZZ
                                         360        284,564.93          1
                                       7.375          1,968.43        100
                                       7.125          1,968.43
    SAN DIEGO        CA   92129          1            12/03/02         23
    0435263025                           05           02/01/03          0
    A0334366                             O            01/01/33
    0

    8355499          U05/G01             F           56,650.00         ZZ
                                         360         56,577.51          1
                                       8.250            425.59        103
                                       8.000            425.59
    DALLAS           TX   75217          1            12/26/02         23
    0435194873                           05           02/01/03          0
    3279393                              O            01/01/33
    0

    8355539          588/G01             F          152,000.00         ZZ
                                         360        151,773.67          1
1

                                       7.500          1,062.81        100
                                       7.250          1,062.81
    STERLING         VA   20164          1            12/26/02         23
    0435233721                           05           02/01/03          0
    00010844875                          O            01/01/33
    0

    8355543          N46/G01             F          127,500.00         ZZ
                                         360        127,400.54          1
                                       7.250            869.77        100
                                       7.000            869.77
    SIMPSONVILLE     SC   29680          1            01/10/03         23
    0435200514                           05           03/01/03          0
    98297601                             O            02/01/33
    0

    8355549          940/G01             F          186,250.00         ZZ
                                         360        186,115.19          1
                                       7.625          1,318.27        107
                                       7.375          1,318.27
    APPLE VALLEY     CA   92307          1            01/06/03         23
    0435247135                           05           03/01/03          0
    40021250                             O            02/01/33
    0

    8355553          N46/G01             F          160,401.00         ZZ
                                         360        160,185.05          1
                                       7.875          1,163.02        103
                                       7.625          1,163.02
    WINSTON SALEM    NC   27107          1            01/13/03         23
    0435199203                           05           03/01/03          0
    98719001                             O            02/01/33
    0

    8355581          N46/G01             F           98,750.00         ZZ
                                         360         98,674.86          1
                                       7.375            682.04         99
                                       7.125            682.04
    CARY             NC   27511          2            01/09/03         23
    0435201413                           09           03/01/03          0
    97491501                             O            02/01/33
    0

    8355625          Q78/G01             F          128,200.00         ZZ
                                         360        128,120.31          1
                                       8.375            974.42        100
                                       8.125            974.42
    OMAHA            NE   68122          1            01/03/03         23
    0435225313                           05           03/01/03          0
1

    721659                               O            02/01/33
    0

    8356065          Q78/G01             F          108,310.00         ZZ
                                         360        108,235.45          2
                                       7.875            785.33         80
                                       7.625            785.33
    WESTMINSTER      MD   21157          1            01/03/03         23
    0435219951                           05           03/01/03          0
    721274                               O            02/01/33
    0

    8356243          642/G01             F           71,250.00         ZZ
                                         360         71,200.97          1
                                       7.875            516.61         95
                                       7.625            516.61
    HATTIESBURG      MS   39401          1            01/09/03         23
    0435198916                           05           03/01/03          0
    11166702                             N            02/01/33
    0

    8356509          642/G01             F          105,000.00         ZZ
                                         360        104,934.73          1
                                       8.375            798.08        100
                                       8.125            798.08
    RESITERSTOWN     MD   21136          1            01/09/03         23
    0435195862                           01           03/01/03          0
    11255402                             O            02/01/33
    0

    8356657          M45/G01             F          245,000.00         ZZ
                                         360        244,764.32          1
                                       9.625          2,082.47        100
                                       9.375          2,082.47
    ROCKLYN          CA   95677          1            12/09/02         23
    0435221759                           05           02/01/03          0
    A0415883                             O            01/01/33
    0

    8356661          588/G01             F          239,000.00         ZZ
                                         360        238,661.53          1
                                       7.750          1,712.23        104
                                       7.500          1,712.23
    CITY OF CLIFTON  NJ   07011          1            12/31/02         23
    0435195599                           05           02/01/03          0
    1083018                              O            01/01/33
    0

1

    8356665          B57/G01             F          250,000.00         ZZ
                                         360        249,636.97          1
                                       7.625          1,769.48        100
                                       7.375          1,769.48
    LOS ANGELES      CA   90042          1            12/18/02         23
    0435234075                           05           02/01/03          0
    50000767                             O            01/01/33
    0

    8356677          588/G01             F          144,450.00         ZZ
                                         360        144,229.50          1
                                       7.375            997.68        107
                                       7.125            997.68
    CITY OF EAST OR  NJ   07017          1            12/27/02         23
    0435195680                           05           02/01/03          0
    1082740                              O            01/01/33
    0

    8356719          L21/G01             F          112,000.00         ZZ
                                         360        111,917.55          1
                                      10.875          1,056.04        100
                                      10.375          1,056.04
    EAST STROUDSBUR  PA   18301          1            01/03/03         23
    0435259411                           05           02/01/03          0
    70302643                             O            01/01/33
    0

    8357047          U85/G01             F          116,630.00         ZZ
                                         180        116,484.51          1
                                       8.375            886.47        107
                                       8.125            886.47
    DES MOINES       IA   50315          2            12/12/02         23
    0435260732                           05           02/01/03          0
    HENDERSON                            O            01/01/18
    0

    8357095          U85/G01             F          103,000.00         ZZ
                                         180        102,887.06          1
                                       9.000            828.76        103
                                       8.750            828.76
    GREEN LAKE       WI   54941          1            12/13/02         23
    0435280029                           05           02/01/03          0
    PUL                                  O            01/01/18
    0

    8357279          940/G01             F          151,900.00         ZZ
                                         360        151,775.49          1
                                       7.000          1,010.59        100
                                       6.750          1,010.59
1

    LANCASTER        CA   93535          1            01/03/03         23
    0435276837                           05           03/01/03          0
    40021144                             O            02/01/33
    0

    8357355          588/G01             F          200,850.00         ZZ
                                         360        200,605.80          1
                                       8.500          1,544.36        103
                                       8.250          1,544.36
    WOODBRIDGE       VA   22192          1            12/27/02         23
    0435196720                           01           02/01/03          0
    1083152                              O            01/01/33
    0

    8357529          588/G01             F          160,450.00         ZZ
                                         360        160,211.10          1
                                       7.500          1,121.89        107
                                       7.250          1,121.89
    UPPER MARLBORO   MD   20772          1            12/23/02         23
    0435196811                           09           02/01/03          0
    1083449                              O            01/01/33
    0

    8357595          G34/G01             F          250,050.00         ZZ
                                         360        249,730.01          1
                                       8.250          1,878.54         99
                                       8.000          1,878.54
    LAS VEGAS        NV   89123          1            12/30/02         23
    0435214895                           05           02/01/03          0
    39102506                             O            01/01/33
    0

    8357657          X89/G01             F          180,250.00         ZZ
                                         360        180,076.60          1
                                       9.625          1,532.11        103
                                       9.375          1,532.11
    NORTH HIGHLANDS  CA   95660          1            12/20/02         23
    0435198114                           05           02/01/03          0
    0100239877                           O            01/01/33
    0

    8357659          X67/G01             F           74,100.00         ZZ
                                         360         73,989.67          1
                                       7.500            518.12         95
                                       7.250            518.12
    DESOTO           TX   75115          1            12/03/02         23
    0435297551                           05           02/01/03          0
    00281623                             N            01/01/33
    0
1

    8357667          E57/G01             F          243,000.00         T
                                         360        242,815.10          1
                                       7.375          1,678.34        100
                                       7.125          1,678.34
    FULLERTON        CA   92833          1            12/31/02         23
    0435282710                           01           03/01/03          0
    05000835                             O            02/01/33
    0

    8357673          R17/G01             F          107,000.00         ZZ
                                         360        106,840.68          1
                                       7.500            748.16        103
                                       7.250            748.16
    KITTITAS         WA   98934          1            12/24/02         23
    0435239215                           05           02/01/03          0
    1000166810                           O            01/01/33
    0

    8357811          737/G01             F          151,410.00         ZZ
                                         180        151,256.48          1
                                       9.375          1,259.35        103
                                       9.125          1,259.35
    CHICAGO          IL   60651          1            12/19/02         23
    0435245808                           05           02/01/03          0
    1841204                              O            01/01/18
    0

    8357813          737/G01             F          185,110.00         ZZ
                                         360        184,867.00          1
                                       8.125          1,374.44        107
                                       7.875          1,374.44
    MIAMI            FL   33174          1            12/31/02         23
    0435197108                           01           02/01/03          0
    1840743                              O            01/01/33
    0

    8358657          E22/G01             F           93,627.00         ZZ
                                         360         93,571.72          1
                                       8.625            728.22        103
                                       8.375            728.22
    ATHENS           AL   35611          1            01/14/03         23
    0415757509                           05           03/01/03          0
    0415757509                           O            02/01/33
    0

    8358665          E22/G01             F          159,000.00         ZZ
                                         360        158,890.58          1
1

                                       7.875          1,152.86        106
                                       7.375          1,152.86
    GILBERT          AZ   85233          5            01/07/03         23
    0415769751                           03           03/01/03          0
    0415769751                           O            02/01/33
    0

    8358679          E22/G01             F           53,850.00         ZZ
                                         360         53,818.21          1
                                       8.625            418.84         95
                                       8.375            418.84
    FLINT            MI   48503          1            01/14/03         23
    0415773548                           05           03/01/03          0
    0415773548                           O            02/01/33
    0

    8358701          E22/G01             F          121,540.00         ZZ
                                         360        121,475.32          1
                                       9.125            988.89        103
                                       8.625            988.89
    BRANSON          MO   65616          1            01/14/03         23
    0415801430                           05           03/01/03          0
    0415801430                           O            02/01/33
    0

    8358715          E22/G01             F          125,293.00         T
                                         360        125,215.12          1
                                       8.375            952.32        105
                                       8.125            952.32
    MUSKEGON         MI   49444          1            01/14/03         23
    0415808997                           05           03/01/03          0
    0415808997                           O            02/01/33
    0

    8358781          E22/G01             F           93,500.00         ZZ
                                         360         93,444.80          1
                                       8.625            727.23         95
                                       8.375            727.23
    BRIDGMAN         MI   49106          1            01/15/03         23
    0415906445                           05           03/01/03          0
    0415906445                           O            02/01/33
    0

    8358825          E22/G01             F           96,900.00         ZZ
                                         360         96,855.98          1
                                       9.875            841.43        100
                                       9.625            841.43
    KENNEWICK        WA   99337          1            01/02/03         23
    0415196963                           05           03/01/03          0
1

    0415196963                           O            02/01/33
    0

    8358831          E22/G01             F          188,100.00         ZZ
                                         360        187,999.90          2
                                       9.125          1,530.44         99
                                       8.875          1,530.44
    HOUSTON          TX   77021          1            01/13/03         23
    0415251206                           05           03/01/03          0
    0415251206                           O            02/01/33
    0

    8358901          E22/G01             F           61,500.00         ZZ
                                         360         61,459.77          1
                                       8.125            456.64        107
                                       7.875            456.64
    CLEVELAND        MS   38732          1            01/14/03         23
    0415654326                           05           03/01/03          0
    0415654326                           O            02/01/33
    0

    8358905          E22/G01             F          128,550.00         ZZ
                                         360        128,409.04          1
                                       9.000          1,034.34         99
                                       8.500          1,034.34
    BLYTHEWOOD       SC   29016          1            01/03/03         23
    0415661750                           03           02/01/03          0
    0415661750                           O            01/01/33
    0

    8358941          E22/G01             F          123,750.00         ZZ
                                         360        123,673.08          1
                                       8.375            940.59         99
                                       7.875            940.59
    GILBERT          SC   29054          2            01/08/03         23
    0415699354                           05           03/01/03          0
    0415699354                           O            02/01/33
    0

    8361305          588/G01             F          232,265.00         ZZ
                                         360        231,989.76          1
                                       8.625          1,806.53        103
                                       8.375          1,806.53
    UPPER CHICHESTE  PA   19061          1            12/31/02         23
    0435262225                           05           02/01/03          0
    1082645                              O            01/01/33
    0

1

    8361395          K15/G01             F          286,300.00         ZZ
                                         360        286,122.05          1
                                       8.375          2,176.09        103
                                       8.125          2,176.09
    FORT GRATIOT     MI   48059          5            12/31/02         23
    0435223839                           29           03/01/03          0
    035205508825                         O            02/01/33
    0

    8361667          Q64/G01             F           99,500.00         ZZ
                                         360         99,434.91          1
                                       8.125            738.79        107
                                       7.875            738.79
    ORANGEBURG       SC   29118          5            01/06/03         23
    0435253117                           05           03/01/03          0
    0105774509                           O            02/01/33
    0

    8361735          Q64/G01             F           67,450.00         T
                                         360         67,356.86          1
                                       7.875            489.06        107
                                       7.625            489.06
    CHARLESTON       SC   29418          1            12/20/02         23
    0435257472                           07           02/01/03          0
    0105665608                           O            01/01/33
    0

    8361857          N67/G01             F          256,400.00         ZZ
                                         360        256,240.63          1
                                       8.375          1,948.83         95
                                       8.125          1,948.83
    CAVE CREEK       AZ   85331          1            01/14/03         23
    0435259197                           03           03/01/03          0
    1781004719                           N            02/01/33
    0

    8361895          624/G01             F          179,700.00         ZZ
                                         180        179,133.06          1
                                       7.000          1,615.19        107
                                       6.750          1,615.19
    HARVARD          IL   60033          2            01/03/03         23
    0435269246                           05           03/01/03          0
    1000020448                           O            02/01/18
    0

    8361909          588/G01             F          269,950.00         ZZ
                                         360        269,548.07          1
                                       7.500          1,887.53        107
                                       7.250          1,887.53
1

    HERNDON          VA   20171          1            12/20/02         23
    0435222443                           03           02/01/03          0
    1082957                              O            01/01/33
    0

    8361915          Q64/G01             F          151,400.00         ZZ
                                         360        151,215.91          1
                                       8.500          1,164.14        103
                                       8.250          1,164.14
    CHARLESTON       SC   29414          2            12/30/02         23
    0435253919                           05           02/01/03          0
    0105712400                           O            01/01/33
    0

    8361979          588/G01             F          313,240.00         ZZ
                                         360        313,018.92          1
                                       7.750          2,244.09        105
                                       7.500          2,244.09
    FALLS CHURCH     VA   22042          1            01/03/03         23
    0435304050                           05           03/01/03          0
    1084390                              O            02/01/33
    0

    8362001          U45/G01             F          242,250.00         ZZ
                                         180        242,106.97          1
                                       8.625          1,884.20         95
                                       8.375          1,884.20
    LEAWOOD          KS   66206          1            01/13/03         23
    0435281332                           05           03/01/03          0
    3260                                 O            02/01/18
    0

    8362005          964/G01             F          126,500.00         ZZ
                                         360        126,429.08          1
                                       8.875          1,006.49        103
                                       8.625          1,006.49
    IDAHO FALLS      ID   83404          1            01/07/03         23
    0435224100                           05           03/01/03          0
    316717                               O            02/01/33
    0

    8362011          964/G01             F          143,600.00         ZZ
                                         360        143,493.43          1
                                       7.500          1,004.07        107
                                       7.250          1,004.07
    TUCSON           AZ   85746          2            01/03/03         23
    0435224803                           05           03/01/03          0
    291877                               O            02/01/33
    0
1

    8362015          B44/G01             F          178,690.00         ZZ
                                         360        178,423.93          1
                                       7.500          1,249.43        107
                                       7.250          1,249.43
    GARDNERVILLE     NV   89410          1            12/23/02         23
    0435259882                           05           02/01/03          0
    3020739                              O            01/01/33
    0

    8362021          964/G01             F          274,000.00         ZZ
                                         360        273,796.65          1
                                       7.500          1,915.85        104
                                       7.250          1,915.85
    SANTA ANA        CA   92707          1            01/07/03         23
    0435223979                           05           03/01/03          0
    320079                               O            02/01/33
    0

    8362025          964/G01             F          202,500.00         ZZ
                                         360        202,345.91          1
                                       7.375          1,398.62         99
                                       7.125          1,398.62
    FRESNO           CA   93711          5            01/02/03         23
    0435224043                           05           03/01/03          0
    318898                               O            02/01/33
    0

    8362031          J95/G01             F          127,700.00         ZZ
                                         360        127,519.16          1
                                       7.750            914.86        105
                                       7.500            914.86
    AUSTIN           TX   78748          1            12/20/02         23
    0435246277                           05           02/01/03          0
    0040863524                           O            01/01/33
    0

    8362099          588/G01             F          323,312.00         ZZ
                                         360        322,767.20          2
                                       6.875          2,123.93        106
                                       6.625          2,123.93
    TOWN OF GUTTENB  NJ   07093          1            12/20/02         23
    0435254594                           05           02/01/03          0
    1078135                              O            01/01/33
    0

    8362147          588/G01             F          155,500.00         ZZ
                                         360        155,279.79          1
1

                                       7.750          1,114.02        106
                                       7.500          1,114.02
    EAST NORRITON T  PA   19403          1            12/30/02         23
    0435244264                           09           02/01/03          0
    1083488                              O            01/01/33
    0

    8362155          588/G01             F          166,800.00         ZZ
                                         360        166,551.65          1
                                       7.500          1,166.29        107
                                       7.250          1,166.29
    UPPER DUBLIN TO  PA   19025          1            12/19/02         23
    0435244348                           09           02/01/03          0
    1081307                              O            01/01/33
    0

    8362171          642/G01             F          114,490.00         ZZ
                                         360        114,415.11          1
                                       8.125            850.08        107
                                       7.875            850.08
    BOILING SPRING   SC   29316          5            01/03/03         23
    0435219035                           05           03/01/03          0
    11159402                             O            02/01/33
    0

    8362191          642/G01             F          108,070.00         ZZ
                                         360        108,004.54          1
                                       8.500            830.96        106
                                       8.250            830.96
    LAFAYETTE        LA   70506          5            01/10/03         23
    0435219886                           05           03/01/03          0
    12115902                             O            02/01/33
    0

    8362471          U85/G01             F          175,000.00         ZZ
                                         360        174,644.66          1
                                       7.990          1,282.87        100
                                       7.740          1,282.87
    NEW BERLIN       WI   53146          5            11/15/02         23
    0435253349                           05           01/01/03          0
    3250                                 O            12/01/32
    0

    8363011          U85/G01             F           42,051.00         ZZ
                                         180         42,024.86          1
                                       8.375            319.62        107
                                       8.125            319.62
    MILWAUKEE        WI   53210          1            01/07/03         23
    0435220702                           05           03/01/03          0
1

    425117547                            O            02/01/18
    0

    8363451          J95/G01             F           79,900.00         ZZ
                                         360         79,094.83          1
                                       7.375            551.85        107
                                       7.125            551.85
    CORUPS CHRISTI   TX   78404          1            12/31/02         23
    0435213533                           05           02/01/03          0
    0040882136                           O            01/01/33
    0

    8363463          W84/G01             F          190,080.00         ZZ
                                         360        189,842.88          1
                                       8.375          1,444.75         99
                                       8.125          1,444.75
    WOODS CROSS      UT   84087          1            01/03/03         23
    0435260021                           05           02/01/03          0
    40004374                             O            01/01/33
    0

    8363497          R56/G01             F          158,500.00         ZZ
                                         360        158,245.75          1
                                       7.125          1,067.84        105
                                       6.875          1,067.84
    BAKERSFIELD      CA   93308          2            12/18/02         23
    0435261284                           05           02/01/03          0
    02146521                             O            01/01/33
    0

    8363537          R56/G01             F          257,000.00         ZZ
                                         360        254,213.54          1
                                       8.500          1,976.11        101
                                       8.250          1,976.11
    ANTELOPE         CA   95843          5            12/11/02         23
    0435269113                           05           02/01/03          0
    02144961                             O            01/01/33
    0

    8363547          X47/G01             F           70,300.00         ZZ
                                         360         70,212.31          1
                                       8.375            534.33        100
                                       8.125            534.33
    MESQUITE         TX   75149          1            01/03/03         23
    0435261086                           05           02/01/03          0
    11525                                O            01/01/33
    0

1

    8363629          U85/G01             F           90,640.00         ZZ
                                         180         90,555.08          1
                                       9.750            778.74        101
                                       9.500            778.74
    MILWAUKEE        WI   53218          5            01/09/03         23
    0435259965                           05           02/14/03          0
    7638502                              O            01/14/18
    0

    8363661          X67/G01             F          258,000.00         ZZ
                                         360        257,677.95          1
                                       8.375          1,960.98        106
                                       8.125          1,960.98
    SOUTH GATE       CA   90280          1            12/06/02         23
    0435266382                           05           02/01/03          0
    00281827                             O            01/01/33
    0

    8363663          E57/G01             F          229,900.00         ZZ
                                         360        229,724.44          1
                                       7.500          1,607.49        107
                                       7.250          1,607.49
    FRESNO           CA   93722          1            01/06/03         23
    0435271150                           05           03/01/03          0
    13004318                             O            02/01/33
    0

    8363733          P67/G01             F          102,000.00         ZZ
                                         360        101,853.36          1
                                       8.250            766.29        100
                                       8.000            766.29
    FITCHBURG        MA   01420          1            12/27/02         23
    0435260930                           05           02/01/03          0
    657211                               O            01/01/33
    0

    8363771          P48/G01             F          155,000.00         ZZ
                                         360        154,895.79          1
                                       7.990          1,136.25        100
                                       7.740          1,136.25
    ST PAUL          MN   55106          1            01/15/03         23
    0435261722                           05           03/01/03          0
    10414597                             O            02/01/33
    0

    8363811          X64/G01             F          400,000.00         ZZ
                                         360        399,695.63          1
                                       7.375          2,762.70        103
                                       7.125          2,762.70
1

    WEST BLOOMFIELD  MI   48324          5            01/10/03         23
    0435249537                           05           03/01/03          0
    0000001343                           O            02/01/33
    0

    8364943          E22/G01             F          135,900.00         ZZ
                                         360        135,811.11          1
                                       8.125          1,009.05        100
                                       7.875          1,009.05
    OGDEN            UT   84404          2            01/10/03         23
    0415621010                           05           03/01/03          0
    0415621010                           O            02/01/33
    0

    8364963          E22/G01             F          145,000.00         ZZ
                                         360        144,900.21          1
                                       7.875          1,051.35        103
                                       7.625          1,051.35
    INTERLOCHEN      MI   49643          1            01/15/03         23
    0415661370                           29           03/01/03          0
    0415661370                           O            02/01/33
    0

    8364973          E22/G01             F          151,405.00         ZZ
                                         360        151,300.81          1
                                       7.875          1,097.79        107
                                       7.625          1,097.79
    MIAMI            FL   33055          1            01/15/03         23
    0415674365                           05           03/01/03          0
    0415674365                           O            02/01/33
    0

    8364985          E22/G01             F          115,000.00         ZZ
                                         360        114,936.78          1
                                       9.375            956.51        103
                                       9.125            956.51
    GROVE CITY       OH   43123          5            01/10/03         23
    0415689405                           05           03/01/03          0
    0415689405                           O            02/01/33
    0

    8364989          E22/G01             F          102,950.00         ZZ
                                         360        102,889.22          1
                                       8.625            800.73         99
                                       8.125            800.73
    ROUND LAKE BEAC  IL   60073          5            01/10/03         23
    0415692631                           09           03/01/03          0
    0415692631                           O            02/01/33
    0
1

    8365009          E22/G01             F           73,542.00         ZZ
                                         360         73,507.69          1
                                       9.750            631.84        103
                                       9.250            631.84
    LAWRENCE         KS   66046          1            01/15/03         23
    0415715721                           05           03/01/03          0
    0415715721                           O            02/01/33
    0

    8365027          E22/G01             F           78,280.00         ZZ
                                         360         78,226.13          1
                                       7.875            567.58        103
                                       7.625            567.58
    TUPELO           MS   38801          1            01/15/03         23
    0415743731                           05           03/01/03          0
    0415743731                           O            02/01/33
    0

    8365031          E22/G01             F          200,000.00         ZZ
                                         360        199,875.69          1
                                       8.375          1,520.14        100
                                       8.125          1,520.14
    WHITTIER         CA   90604          1            01/08/03         23
    0415744853                           05           03/01/03          0
    0415744853                           O            02/01/33
    0

    8365095          E22/G01             F           78,645.00         ZZ
                                         360         78,592.23          1
                                       8.000            577.07        107
                                       7.750            577.07
    BATTLE CREEK     MI   49017          1            01/15/03         23
    0415779412                           05           03/01/03          0
    0415779412                           O            02/01/33
    0

    8365119          E22/G01             F           93,250.00         ZZ
                                         360         92,468.97          1
                                       7.500            652.02        107
                                       7.250            652.02
    SULPHUR SPRINGS  TX   75482          1            01/15/03         23
    0415809441                           05           03/01/03          0
    0415809441                           O            02/01/33
    0

    8365123          E22/G01             F          106,800.00         ZZ
                                         360        106,746.07          1
1

                                       9.375            888.31        103
                                       8.875            888.31
    LARAMIE          WY   82072          1            01/15/03         23
    0415813401                           05           03/01/03          0
    0415813401                           O            02/01/33
    0

    8365129          E22/G01             F          335,000.00         ZZ
                                         360        334,775.22          1
                                       8.000          2,458.11        100
                                       7.750          2,458.11
    SACRAMENTO       CA   95821          1            01/10/03         23
    0415819168                           05           03/01/03          0
    0415819168                           O            02/01/33
    0

    8365149          E22/G01             F           92,700.00         ZZ
                                         360         92,654.50          1
                                      10.000            813.51        103
                                       9.500            813.51
    FAIRBANKS        AK   99701          1            01/08/03         23
    0415833284                           05           03/01/03          0
    0415833284                           O            02/01/33
    0

    8365187          E22/G01             F          332,770.00         ZZ
                                         360        332,523.03          1
                                       7.500          2,326.78        107
                                       7.000          2,326.78
    ROCKLIN          CA   95765          5            01/03/03         23
    0415305218                           05           03/01/03          0
    0415305218                           O            02/01/33
    0

    8365193          E22/G01             F          292,700.00         ZZ
                                         360        292,513.35          1
                                       8.250          2,198.96        107
                                       8.000          2,198.96
    ANTIOCH          CA   94531          5            01/06/03         23
    0415391192                           05           03/01/03          0
    0415391192                           O            02/01/33
    0

    8365199          E22/G01             F          321,000.00         ZZ
                                         360        320,749.59          1
                                       7.250          2,189.79        107
                                       7.000          2,189.79
    CAMARILLO        CA   93012          1            01/09/03         23
    0415453216                           01           03/01/03          0
1

    0415453216                           O            02/01/33
    0

    8365339          X91/G01             F          400,000.00         ZZ
                                         360        399,687.96          1
                                       7.250          2,728.71        106
                                       7.000          2,728.71
    HONOLULU         HI   96816          1            01/09/03         23
    0435233143                           01           03/01/03          0
    803885                               O            02/01/33
    0

    8365461          737/G01             F          128,500.00         ZZ
                                         360        128,411.57          1
                                       7.875            931.71        101
                                       7.625            931.71
    LOS ANGELES      CA   90002          1            12/27/02         23
    0435228812                           05           03/01/03          0
    1844224                              O            02/01/33
    0

    8365467          A42/G01             F          131,250.00         ZZ
                                         360        131,181.57          1
                                       9.500          1,103.62        102
                                       9.250          1,103.62
    LARGO            FL   33770          5            01/08/03         23
    0435232194                           05           03/01/03          0
    061020002761                         O            02/01/33
    0

    8365531          A01/G01             F          241,500.00         ZZ
                                         360        241,329.55          1
                                       7.750          1,730.14        103
                                       7.500          1,730.14
    RIO VISTA        CA   94571          1            01/08/03         23
    0435248547                           03           03/01/03          0
    REED                                 O            02/01/33
    0

    8365541          M24/G01             F          177,600.00         ZZ
                                         360        177,468.20          2
                                       7.500          1,241.80        107
                                       7.250          1,241.80
    TRAVERSE CITY    MI   49686          5            01/03/03         23
    0435259841                           05           03/01/03          0
    351107220                            O            02/01/33
    0

1

    8365695          G27/G01             F          157,410.00         ZZ
                                         360        157,293.18          1
                                       7.500          1,100.63         99
                                       7.250          1,100.63
    BAKERSFIELD      CA   93313          5            01/08/03         23
    0435269618                           05           03/01/03          0
    20302519                             O            02/01/33
    0

    8365719          M45/G01             F          185,250.00         ZZ
                                         360        185,024.74          1
                                       8.500          1,424.42        103
                                       8.250          1,424.42
    FORT WASHINGTON  MD   20744          1            12/20/02         23
    0435264692                           05           02/01/03          0
    A0412702                             O            01/01/33
    0

    8365725          K15/G01             F          133,800.00         ZZ
                                         360        133,718.94          1
                                       8.500          1,028.81        103
                                       8.250          1,028.81
    MEDINA           OH   44256          5            01/06/03         23
    0435229638                           05           03/01/03          0
    028005505008                         O            02/01/33
    0

    8365797          K15/G01             F          221,400.00         ZZ
                                         360        221,279.07          1
                                       9.000          1,781.43        103
                                       8.750          1,781.43
    ORLANDO          FL   32837          5            01/06/03         23
    0435228788                           05           03/01/03          0
    009405505734                         O            02/01/33
    0

    8365813          624/G01             F          172,500.00         ZZ
                                         360        172,371.98          1
                                       7.500          1,206.15        101
                                       7.250          1,206.15
    CHANDLER         AZ   85224          5            01/03/03         23
    0435260138                           05           03/01/03          0
    1000020249                           O            02/01/33
    0

    8365825          U35/G01             F          149,350.00         ZZ
                                         360        149,274.58          1
                                       9.375          1,242.22        103
                                       9.125          1,242.22
1

    FRESNO           CA   93720          5            01/15/03         23
    0435395132                           05           03/01/03          0
    0007593628                           O            02/01/33
    0

    8365891          L21/G01             F          169,950.00         ZZ
                                         360        169,847.04          1
                                       8.500          1,306.77        103
                                       8.250          1,306.77
    LEONARDTOWN      MD   20650          2            01/13/03         23
    0435249297                           05           03/01/03          0
    70302524                             O            02/01/33
    0

    8366333          P27/G01             F          240,250.00         ZZ
                                         360        240,080.43          1
                                       7.750          1,721.18        107
                                       7.500          1,721.18
    BAYSIDE          WI   53217          1            01/10/03         23
    0435273313                           05           03/01/03          0
    RF63206                              O            02/01/33
    0

    8366399          P27/G01             F          128,900.00         ZZ
                                         360        128,811.30          1
                                       7.875            934.61        100
                                       7.625            934.61
    RED BLUFF        CA   96080          5            01/07/03         23
    0435269865                           05           03/01/03          0
    2103626816                           O            02/01/33
    0

    8366413          U35/G01             F           92,700.00         ZZ
                                         360         92,642.38          1
                                       8.375            704.59        103
                                       8.125            704.59
    LYNWOOD          IL   60411          1            01/17/03         23
    0435265806                           05           03/01/03          0
    0007517681                           O            02/01/33
    0

    8366419          P27/G01             F          328,450.00         ZZ
                                         360        327,984.86          1
                                       7.750          2,353.06        107
                                       7.500          2,353.06
    TEMECULA         CA   92592          5            12/20/02         23
    0435264650                           05           02/01/03          0
    2103241174                           O            01/01/33
    0
1

    8366421          R54/G01             F           96,300.00         ZZ
                                         180         96,128.22          1
                                       8.625            749.01        107
                                       8.375            749.01
    BIRMINGHAM       AL   35215          5            11/20/02         23
    0435343470                           05           01/01/03          0
    2000004994                           O            12/01/17
    0

    8366423          F34/G01             F          157,600.00         ZZ
                                         360        157,524.49          1
                                       9.625          1,339.59         99
                                       9.375          1,339.59
    STOCKTON         CA   95215          5            01/10/03         23
    0435315692                           05           03/01/03          0
    Q9UD120353                           O            02/01/33
    0

    8366427          Q64/G01             F          180,000.00         ZZ
                                         360        179,882.25          2
                                       8.125          1,336.50        100
                                       7.875          1,336.50
    CHICAGO          IL   60651          1            01/09/03         23
    0435271986                           05           03/01/03          0
    0105948004                           O            02/01/33
    0

    8366467          X63/G01             F          165,150.00         T
                                         360        164,943.98          1
                                       8.375          1,255.26        107
                                       8.125          1,255.26
    PRESCOTT         AZ   86314          1            12/27/02         23
    0435248620                           03           02/01/03          0
    02120087                             O            01/01/33
    0

    8366495          Q64/G01             F           76,800.00         ZZ
                                         180         76,759.12          1
                                       9.125            624.88        103
                                       8.875            624.88
    SALEM            WI   53168          1            01/10/03         23
    0435273123                           05           03/01/03          0
    0105852008                           O            02/01/18
    0

    8366503          480/G01             F          236,500.00         ZZ
                                         360        236,165.10          1
1

                                       7.750          1,694.31        104
                                       7.500          1,694.31
    BRADENTON        FL   34202          1            12/31/02         23
    0435279427                           03           02/01/03          0
    4548970                              O            01/01/33
    0

    8366519          B57/G01             F          156,500.00         ZZ
                                         360        156,383.86          1
                                       7.500          1,094.27        100
                                       7.250          1,094.27
    GLENDALE         AZ   85308          1            01/02/03         23
    0435281159                           03           03/01/03          0
    20001135                             O            02/01/33
    0

    8366581          642/G01             F           86,520.00         ZZ
                                         360         86,470.94          1
                                       9.375            719.63        103
                                       9.125            719.63
    DECATUR          MI   49045          5            01/07/03         23
    0435261151                           05           03/01/03          0
    11241702                             O            02/01/33
    0

    8366601          L16/G01             F          135,990.00         ZZ
                                         360        135,905.48          1
                                       8.375          1,033.62        100
                                       8.125          1,033.62
    ARVIN            CA   93203          1            01/13/03         23
    0435283155                           05           03/01/03          0
    8925                                 O            02/01/33
    0

    8366619          U35/G01             F           77,250.00         ZZ
                                         360         77,199.47          1
                                       8.125            573.58        103
                                       7.875            573.58
    HAMMOND          IN   46320          1            01/15/03         23
    0435271754                           05           03/01/03          0
    00076310                             O            02/01/33
    0

    8366663          U35/G01             F           97,850.00         ZZ
                                         360         97,801.87          1
                                       9.500            822.78        103
                                       9.250            822.78
    BETTENDORF       IA   52722          1            01/15/03         23
    0435269352                           05           03/01/03          0
1

    10581776                             O            02/01/33
    0

    8366779          F89/G01             F          290,000.00         ZZ
                                         360        289,762.29          2
                                       7.000          1,929.38        100
                                       6.750          1,929.38
    SOUTH GATE       CA   90280          1            01/08/03         23
    0435287149                           05           03/01/03          0
    26042                                O            02/01/33
    0

    8366921          408/G01             F          155,427.00         ZZ
                                         360        155,247.49          1
                                       8.750          1,222.75        103
                                       8.500          1,222.75
    GRAIN VALLEY     MO   64029          1            12/31/02         23
    0435253604                           05           02/01/03          0
    703032373                            O            01/01/33
    0

    8367027          E76/G01             F           74,100.00         ZZ
                                         360         74,051.53          1
                                       8.125            550.19         95
                                       7.875            550.19
    PENSACOLA        FL   32514          1            01/13/03         23
    0435293857                           05           03/01/03          0
    10019963                             N            02/01/33
    0

    8367043          W99/G01             F          192,600.00         ZZ
                                         360        192,434.00          1
                                       8.000          1,413.23        107
                                       7.750          1,413.23
    WEST COLUMBIA    SC   29170          5            01/13/03         23
    0435258868                           05           03/01/03          0
    160024002                            O            02/01/33
    0

    8367057          X67/G01             F          282,000.00         ZZ
                                         360        280,999.06          1
                                       7.875          2,044.70        107
                                       7.625          2,044.70
    NORWALK          CA   90650          5            01/06/03         23
    0435276282                           05           03/01/03          0
    00270258                             O            02/01/33
    0

1

    8367063          G34/G01             F          218,900.00         ZZ
                                         360        218,777.28          1
                                       8.875          1,741.67        103
                                       8.625          1,741.67
    LAS VEGAS        NV   89141          1            01/09/03         23
    0435255377                           05           03/01/03          0
    39012040                             O            02/01/33
    0

    8367105          L57/G01             F          153,985.00         ZZ
                                         360        153,913.16          1
                                       9.750          1,322.97        103
                                       9.500          1,322.97
    HARVEST          AL   35749          1            01/14/03         23
    0435266291                           05           03/01/03          0
    2003001                              O            02/01/33
    0

    8367117          642/G01             F          314,150.00         ZZ
                                         360        313,959.69          1
                                       8.500          2,415.54        103
                                       8.250          2,415.54
    NILES            IL   60714          1            01/16/03         23
    0435260567                           05           03/01/03          0
    12190702                             O            02/01/33
    0

    8367253          X67/G01             F          150,380.00         ZZ
                                         360        150,210.77          1
                                       8.875          1,196.49        103
                                       8.625          1,196.49
    BLOOMINGTON ARE  CA   92316          1            12/06/02         23
    0435259395                           05           02/01/03          0
    00281433                             O            01/01/33
    0

    8367259          U45/G01             F          171,200.00         ZZ
                                         360        171,093.59          1
                                       8.375          1,301.24        107
                                       8.125          1,301.24
    SACRAMENTO       CA   95823          1            01/13/03         23
    0435250212                           05           03/01/03          0
    2402476                              O            02/01/33
    0

    8367271          X67/G01             F          120,375.00         ZZ
                                         360        120,195.77          1
                                       7.500            841.68        107
                                       7.250            841.68
1

    ONTARIO          CA   91762          1            12/11/02         23
    0435284278                           01           02/01/03          0
    00281184                             O            01/01/33
    0

    8367295          X67/G01             F           99,000.00         ZZ
                                         360         98,863.29          1
                                       7.875            717.82         99
                                       7.625            717.82
    YUMA             AZ   85364          2            12/13/02         23
    0435319819                           05           02/01/03          0
    00281154                             O            01/01/33
    0

    8367347          H76/G01             F           81,500.00         ZZ
                                         360         81,450.62          1
                                       8.500            626.67        100
                                       8.250            626.67
    YORK             PA   17404          5            01/10/03         23
    0435261961                           05           03/01/03          0
    2002465309                           O            02/01/33
    0

    8367349          B76/G01             F          108,000.00         ZZ
                                         360        107,955.91          1
                                      10.375            977.84        103
                                       9.875            977.84
    WARREN           MI   48093          5            01/09/03         23
    0435323787                           01           03/01/03          0
    0004646998                           O            02/01/33
    0

    8367355          U85/G01             F           69,500.00         ZZ
                                         360         69,452.17          1
                                       7.875            503.92        100
                                       7.625            503.92
    WEST MILWAUKEE   WI   53215          1            01/13/03         23
    0435260856                           05           03/01/03          0
    DANCY                                O            02/01/33
    0

    8367361          F64/G01             F          131,500.00         ZZ
                                         360        131,335.97          1
                                       8.375            999.49        100
                                       8.125            999.49
    ALEXANDRIA       VA   22309          1            12/26/02         23
    0435261433                           01           02/01/03          0
    00004531                             O            01/01/33
    0
1

    8367371          M24/G01             F          121,900.00         ZZ
                                         360        121,694.59          1
                                       6.875            800.80        107
                                       6.625            800.80
    WIKES BARRE      PA   18702          2            12/30/02         23
    0435325717                           05           02/01/03          0
    201107269                            O            01/01/33
    0

    8367411          U05/G01             F          256,415.00         ZZ
                                         360        256,042.64          1
                                       7.625          1,814.89        105
                                       7.375          1,814.89
    WOODLAND         CA   95776          1            12/11/02         23
    0435251178                           05           02/01/03          0
    3287965                              O            01/01/33
    0

    8367429          808/G01             F          186,000.00         ZZ
                                         360        185,743.16          1
                                       7.875          1,348.63        100
                                       7.625          1,348.63
    LAKEWOOD         CA   90712          1            12/26/02         23
    0435289517                           05           02/01/03          0
    9328010                              O            01/01/33
    0

    8367453          Q01/G01             F          141,200.00         ZZ
                                         360        141,005.02          1
                                       7.875          1,023.80        107
                                       7.625          1,023.80
    HEBER            UT   84032          1            12/17/02         23
    0435325154                           01           02/01/03          0
    118673                               O            01/01/33
    0

    8367455          P09/G01             F          135,000.00         ZZ
                                         360        134,918.22          1
                                       8.500          1,038.03        100
                                       8.250          1,038.03
    NORWICH          CT   06360          2            01/10/03         10
    0435265392                           05           03/01/03         35
    JWAT                                 O            02/01/33
    0

    8367577          U35/G01             F           72,100.00         ZZ
                                         360         72,010.07          1
1

                                       8.375            548.01        100
                                       8.125            548.01
    NEENAH           WI   54956          1            12/13/02         23
    0435356241                           05           02/01/03          0
    0010335739                           O            01/01/33
    0

    8367815          588/G01             F          420,500.00         ZZ
                                         360        419,919.32          1
                                       7.875          3,048.92        100
                                       7.625          3,048.92
    JEFFERSON TWP    NJ   07438          1            12/02/02         23
    0435283254                           05           02/01/03          0
    10819430                             O            01/01/33
    0

    8367817          588/G01             F          138,000.00         ZZ
                                         360        137,897.58          1
                                       7.500            964.92        107
                                       7.250            964.92
    NETHER PROVIDEN  PA   19086          1            01/06/03         23
    0435272992                           05           03/01/03          0
    10799608                             O            02/01/33
    0

    8367853          808/G01             F          190,447.00         ZZ
                                         360        190,209.42          1
                                       8.375          1,447.54        103
                                       8.125          1,447.54
    SONORA           CA   95370          1            12/30/02         23
    0435274329                           05           02/01/03          0
    9429611                              O            01/01/33
    0

    8367857          808/G01             F          152,000.00         ZZ
                                         360        151,773.67          1
                                       7.500          1,062.81        100
                                       7.250          1,062.81
    LANCSTER         CA   93535          1            12/26/02         23
    0435284344                           05           02/01/03          0
    9506091                              O            01/01/33
    0

    8367893          808/G01             F          189,351.00         ZZ
                                         360        189,069.07          1
                                       7.500          1,323.97        103
                                       7.250          1,323.97
    VISALIA          CA   93291          1            12/31/02         23
    0435295233                           05           02/01/03          0
1

    9105830                              O            01/01/33
    0

    8368535          E22/G01             F          107,120.00         ZZ
                                         360        107,055.11          1
                                       8.500            823.66        103
                                       8.000            823.66
    MENDOTA          CA   93640          1            01/10/03         00
    0415487578                           05           03/01/03          0
    0415487578                           O            02/01/33
    0

    8368565          E22/G01             F           38,000.00         ZZ
                                         360         37,976.38          1
                                       8.375            288.83         95
                                       8.125            288.83
    DETROIT          MI   48224          1            01/16/03         23
    0415629195                           05           03/01/03          0
    0415629195                           N            02/01/33
    0

    8368613          E22/G01             F          129,500.00         ZZ
                                         360        129,425.49          1
                                       8.750          1,018.78        100
                                       8.500          1,018.78
    GARNER           NC   27529          1            01/16/03         23
    0415739937                           03           03/01/03          0
    0415739937                           O            02/01/33
    0

    8368625          E22/G01             F          223,000.00         ZZ
                                         360        222,830.31          1
                                       7.375          1,540.21        100
                                       6.875          1,540.21
    SANTA ROSA       CA   95401          1            01/10/03         23
    0415766872                           09           03/01/03          0
    0415766872                           O            02/01/33
    0

    8368661          E22/G01             F           40,850.00         ZZ
                                         360         40,824.61          1
                                       8.375            310.49         95
                                       8.125            310.49
    NEW ORLEANS      LA   70117          1            01/16/03         23
    0415803105                           05           03/01/03          0
    0415803105                           N            02/01/33
    0

1

    8368665          E22/G01             F          109,900.00         ZZ
                                         360        109,848.73          1
                                       9.750            944.21        100
                                       9.500            944.21
    ATOKA            TN   38004          1            01/16/03         23
    0415813179                           05           03/01/03          0
    0415813179                           O            02/01/33
    0

    8368671          E22/G01             F          120,000.00         ZZ
                                         360        119,927.30          1
                                       8.500            922.70        100
                                       8.000            922.70
    LA (NORTH HILLS  CA   91343          1            01/13/03         23
    0415822220                           01           03/01/03          0
    0415822220                           O            02/01/33
    0

    8368681          E22/G01             F          132,600.00         ZZ
                                         360        132,474.58          1
                                       7.375            915.84        107
                                       7.125            915.84
    GLADSTONE        MI   49837          1            01/16/03         23
    0415837228                           05           03/01/03          0
    0415837228                           O            02/01/33
    0

    8368689          E22/G01             F          116,900.00         ZZ
                                         360        116,811.05          1
                                       7.375            807.40        100
                                       6.875            807.40
    CAPE CORAL       FL   33914          1            01/16/03         23
    0415863364                           05           03/01/03          0
    0415863364                           O            02/01/33
    0

    8368701          E22/G01             F          283,250.00         ZZ
                                         360        283,029.04          1
                                       7.250          1,932.26        103
                                       6.750          1,932.26
    SPRING VALLEY    CA   91977          1            01/10/03         23
    0414886456                           05           03/01/03          0
    0415886456                           O            02/01/33
    0

    8368823          E86/G01             F          165,000.00         T
                                         360        164,883.53          1
                                       7.750          1,182.09        100
                                       7.500          1,182.09
1

    NORTH CAPE MAY   NJ   08204          1            01/10/03         23
    0435343264                           05           03/01/03          0
    04967684                             O            02/01/33
    0

    8368863          U05/G01             F          334,600.00         ZZ
                                         360        334,112.44          1
                                       7.500          2,339.57        103
                                       7.250          2,339.57
    CHULA VISTA      CA   91910          1            01/14/03         23
    0435249842                           05           03/01/03          0
    3304075                              O            02/01/33
    0

    8368995          W35/G01             F           80,000.00         ZZ
                                         360         79,897.61          1
                                       8.250            601.02        100
                                       8.000            601.02
    KOKOMO           IN   46901          2            12/09/02         23
    0435273016                           05           02/01/03          0
    16071                                O            01/01/33
    0

    8369013          S20/G01             F          154,500.00         ZZ
                                         360        154,408.78          1
                                       8.625          1,201.69        103
                                       8.375          1,201.69
    MAULDIN          SC   29662          1            01/16/03         23
    0435273099                           05           03/01/03          0
    0300209                              O            02/01/33
    0

    8369035          U18/G01             F           89,300.00         ZZ
                                         360         89,244.50          1
                                       8.375            678.74         95
                                       8.125            678.74
    ATLANTA          GA   30310          1            01/14/03         23
    0435272174                           05           03/01/03          0
    0249513054                           N            02/01/33
    0

    8369103          U35/G01             F           64,692.00         ZZ
                                         360         64,611.30          1
                                       8.375            491.71         95
                                       8.125            491.71
    INDIANAPOLIS     IN   46254          1            12/24/02         23
    0435317078                           05           02/01/03          0
    10377460                             N            01/01/33
    0
1

    8369179          X91/G01             F          174,400.00         ZZ
                                         360        174,257.04          1
                                       7.000          1,160.29        107
                                       6.750          1,160.29
    MILILANI         HI   96789          5            01/09/03         23
    0435274600                           01           03/01/03          0
    803833                               O            02/01/33
    0

    8369549          964/G01             F          155,000.00         ZZ
                                         360        154,057.28          1
                                       7.750          1,110.44        107
                                       7.500          1,110.44
    NEWBERG          OR   97132          1            01/06/03         23
    0435234729                           05           03/01/03          0
    318177                               O            02/01/33
    0

    8369561          U35/G01             F          104,860.00         ZZ
                                         360        104,784.11          1
                                       7.625            742.19        107
                                       7.375            742.19
    SHEBOYGAN        WI   53081          5            01/16/03         23
    0435283098                           05           03/01/03          0
    10577633                             O            02/01/33
    0

    8369753          950/G01             F          347,750.00         ZZ
                                         360        347,269.79          1
                                       7.875          2,521.43        107
                                       7.625          2,521.43
    KENT             WA   98031          5            12/26/02         23
    0435280003                           05           02/01/03          0
    E2211679                             O            01/01/33
    0

    8369815          X21/G01             F          106,893.00         ZZ
                                         360        106,737.76          1
                                       7.625            756.59        107
                                       7.375            756.59
    LINDEN           VA   22630          1            12/20/02         23
    0435259692                           05           02/01/03          0
    706076                               O            01/01/33
    0

    8369825          313/G01             F          146,250.00         ZZ
                                         180        146,149.35          1
1

                                       7.875          1,060.42        103
                                       7.625          1,060.42
    OAK PARK         MI   48237          1            01/08/03         23
    0435289863                           05           03/01/03          0
    0009244971                           O            02/01/18
    0

    8369831          737/G01             F          322,350.00         ZZ
                                         360        322,110.77          1
                                       7.500          2,253.92        106
                                       7.250          2,253.92
    MESA             AZ   85215          5            01/08/03         23
    0435273008                           05           03/01/03          0
    2103277                              O            02/01/33
    0

    8369869          W53/G01             F          151,150.00         ZZ
                                         360        150,919.26          1
                                       7.375          1,043.96        105
                                       7.125          1,043.96
    SAN ANTONIO      TX   78232          1            12/27/02         23
    0435287073                           05           02/01/03          0
    1502000404                           O            01/01/33
    0

    8369879          K15/G01             F          272,900.00         ZZ
                                         360        272,541.77          1
                                       8.125          2,026.27        100
                                       7.875          2,026.27
    DENVER           CO   80207          1            12/19/02         23
    0435240569                           05           02/01/03          0
    040000112906                         O            01/01/33
    0

    8369891          642/G01             F          143,900.00         ZZ
                                         360        143,805.87          1
                                       8.125          1,068.45        107
                                       7.875          1,068.45
    MIAMI            FL   33055          1            01/17/03         23
    0435262704                           05           03/01/03          0
    01138703                             O            02/01/33
    0

    8369893          K15/G01             F          293,500.00         ZZ
                                         360        293,317.58          1
                                       8.375          2,230.81        103
                                       8.125          2,230.81
    ANTIOCH          CA   94509          5            01/10/03         23
    0435236336                           05           03/01/03          0
1

    026605505768                         O            02/01/33
    0

    8369959          K15/G01             F          113,100.00         ZZ
                                         360        113,021.16          1
                                      11.125          1,087.77        103
                                      10.625          1,087.77
    ADRIAN           MO   64720          1            12/23/02         23
    0435263918                           05           02/01/03          0
    040100112725                         O            01/01/33
    0

    8369961          K15/G01             F          193,300.00         ZZ
                                         360        192,515.65          1
                                       9.000          1,555.34        102
                                       8.750          1,555.34
    VANCOUVER        WA   98683          2            12/26/02         23
    0435237649                           05           02/01/03          0
    006505504074                         O            01/01/33
    0

    8370027          L21/G01             F           93,090.00         ZZ
                                         360         93,027.40          1
                                       7.990            682.42        107
                                       7.740            682.42
    EMMAUS           PA   18049          1            01/16/03         23
    0435284021                           07           03/01/03          0
    30200351                             O            02/01/33
    0

    8370031          737/G01             F           75,900.00         ZZ
                                         360         75,849.07          1
                                       8.000            556.93         95
                                       7.750            556.93
    GLENDALE         AZ   85307          1            01/06/03         23
    0435273172                           05           03/01/03          0
    2102567                              N            02/01/33
    0

    8370131          642/G01             F          158,100.00         ZZ
                                         360        157,976.67          1
                                       7.250          1,078.52        105
                                       7.000          1,078.52
    MILILANI         HI   96789          1            01/16/03         23
    0435261953                           01           03/01/03          0
    01136803                             O            02/01/33
    0

1

    8371977          E22/G01             F          202,700.00         ZZ
                                         360        202,545.76          1
                                       7.375          1,400.00        107
                                       7.125          1,400.00
    NORRIDGE         IL   60706          5            01/14/03         23
    0415593060                           09           03/01/03          0
    0415593060                           O            02/01/33
    0

    8371985          E22/G01             F          187,400.00         ZZ
                                         360        187,312.57          1
                                       9.750          1,610.06        103
                                       9.250          1,610.06
    VANCOUVER        WA   98682          5            01/10/03         23
    0415627223                           05           03/01/03          0
    0415627223                           O            02/01/33
    0

    8371993          E22/G01             F          128,150.00         ZZ
                                         360        128,068.28          1
                                       8.250            962.75         95
                                       7.750            962.75
    LAS VEGAS        NV   89122          1            01/02/03         23
    0415643998                           03           03/01/03          0
    0415643998                           N            02/01/33
    0

    8372013          E22/G01             F          284,905.00         ZZ
                                         360        284,718.63          1
                                       8.125          2,115.41         95
                                       7.875          2,115.41
    GULF SHORES      AL   36542          1            01/17/03         23
    0415692979                           05           03/01/03          0
    0415692979                           O            02/01/33
    0

    8372051          E22/G01             F          166,000.00         ZZ
                                         360        165,899.43          1
                                       8.500          1,276.40        100
                                       8.250          1,276.40
    TACOMA           WA   98445          2            01/10/03         23
    0415717727                           05           03/01/03          0
    0415717727                           O            02/01/33
    0

    8372053          E22/G01             F           70,000.00         T
                                         360         69,950.59          1
                                       7.750            501.49        106
                                       7.250            501.49
1

    PHOENIX          AZ   85024          1            01/15/03         23
    0415720150                           01           03/01/03          0
    0415720150                           O            02/01/33
    0

    8372061          E22/G01             F          120,000.00         ZZ
                                         360        119,944.01          1
                                       9.750          1,030.99        103
                                       9.250          1,030.99
    VINCENT          AL   35178          5            01/13/03         23
    0415730654                           05           03/01/03          0
    0415730654                           O            02/01/33
    0

    8372097          E22/G01             F          219,300.00         ZZ
                                         360        219,137.25          1
                                       7.500          1,533.38        107
                                       7.250          1,533.38
    WEST SACRAMENTO  CA   95691          1            01/14/03         23
    0415785229                           05           03/01/03          0
    0415785229                           O            02/01/33
    0

    8372141          E22/G01             F          205,910.00         ZZ
                                         360        205,768.29          1
                                       7.875          1,492.99         95
                                       7.375          1,492.99
    FRISCO           TX   75035          1            01/17/03         23
    0415825868                           03           03/01/03          0
    0415825868                           O            02/01/33
    0

    8372145          E22/G01             F          219,350.00         ZZ
                                         360        219,220.50          1
                                       8.625          1,706.08        107
                                       8.375          1,706.08
    SAINT LOUIS      MO   63128          5            01/13/03         23
    0415831437                           05           03/01/03          0
    0415831437                           O            02/01/33
    0

    8372175          E22/G01             F          130,800.00         ZZ
                                         360        130,716.59          1
                                       8.250            982.66         97
                                       7.750            982.66
    ROY              UT   84067          5            01/09/03         23
    0415864941                           05           03/01/03          0
    0415864941                           O            02/01/33
    0
1

    8372331          477/G01             F          234,931.00         ZZ
                                         360        234,598.31          1
                                       7.750          1,683.07        104
                                       7.500          1,683.07
    SAN DIEGO        CA   92139          1            12/23/02         23
    0435262910                           09           02/01/03          0
    223171                               O            01/01/33
    0

    8372341          964/G01             F          158,000.00         ZZ
                                         360        157,911.42          1
                                       8.875          1,257.12        103
                                       8.625          1,257.12
    PORTLAND         OR   97223          1            01/09/03         23
    0435245543                           05           03/01/03          0
    322642                               O            02/01/33
    0

    8372345          Q64/G01             F           77,000.00         ZZ
                                         180         76,942.85          1
                                       7.500            538.40        107
                                       7.250            538.40
    CLEVELAND        OH   44104          5            01/09/03         23
    0435274717                           05           03/01/03          0
    0105934202                           O            02/01/18
    0

    8372379          R84/G01             F          168,920.00         ZZ
                                         360        168,834.70          1
                                       9.375          1,404.99        103
                                       8.875          1,404.99
    LAS VEGAS        NV   89119          1            01/08/03         23
    0435269600                           05           03/01/03          0
    LVW5391                              O            02/01/33
    0

    8372507          P29/G01             F           69,300.00         ZZ
                                         360         69,256.93          1
                                       8.375            526.73         99
                                       8.125            526.73
    SUPERIOR         WI   54880          1            01/15/03         23
    0435273248                           05           03/01/03          0
    10585049                             O            02/01/33
    0

    8372573          X88/G01             F          122,570.00         ZZ
                                         360        122,354.13          1
1

                                       7.625            867.54        103
                                       7.375            867.54
    PHOENIX          AZ   85022          5            12/26/02         23
    0435300355                           05           02/01/03          0
    001472                               O            01/01/33
    0

    8372651          X88/G01             F          146,590.00         ZZ
                                         360        146,372.96          1
                                       7.625          1,037.55        107
                                       7.375          1,037.55
    CHANDLER         AZ   85224          2            12/20/02         23
    0435289301                           05           02/01/03          0
    0001493                              O            01/01/33
    0

    8372693          X88/G01             F          101,970.00         ZZ
                                         360        101,875.66          1
                                       9.900            887.33        103
                                       9.650            887.33
    TUCSON           AZ   85706          1            12/20/02         23
    0435289327                           03           02/01/03          0
    001499                               O            01/01/33
    0

    8372695          Q64/G01             F          170,350.00         ZZ
                                         360        170,249.42          1
                                       8.625          1,324.97        103
                                       8.375          1,324.97
    CHARLESTON       SC   29414          2            01/08/03         23
    0435274345                           03           03/01/03          0
    0105548606                           O            02/01/33
    0

    8372731          624/G01             F          131,220.00         ZZ
                                         360        131,146.43          1
                                       8.875          1,044.05        103
                                       8.625          1,044.05
    STOCKTON         CA   95219          1            01/08/03         23
    0435265566                           09           03/01/03          0
    1000021101                           O            02/01/33
    0

    8372741          P57/G01             F           80,000.00         ZZ
                                         180         79,796.92          1
                                       8.250            601.02        100
                                       8.000            601.02
    AUBURN           IN   46706          1            01/14/03         23
    0435251749                           05           02/14/03          0
1

    02100451                             O            01/14/18
    0

    8372743          U05/G01             F          125,500.00         T
                                         360        125,235.26          1
                                       8.125            931.83        100
                                       7.875            931.83
    ANDERSON         CA   96007          1            12/20/02         23
    0435245741                           05           02/01/03          0
    3297398                              O            01/01/33
    0

    8372773          253/G01             F          267,140.00         ZZ
                                         360        266,771.09          1
                                       7.875          1,936.96         95
                                       7.625          1,936.96
    SOUTH JORDAN     UT   84095          1            12/06/02         23
    0435290218                           05           02/01/03          0
    447252                               O            01/01/33
    0

    8372985          X67/G01             F          139,900.00         ZZ
                                         360        139,720.97          1
                                       8.250          1,051.02        100
                                       8.000          1,051.02
    BLOOMINGTON ARE  CA   92316          1            12/13/02         23
    0435283593                           05           02/01/03          0
    00281687                             O            01/01/33
    0

    8373027          X67/G01             F          107,535.00         ZZ
                                         360        107,382.73          1
                                       7.750            770.39        107
                                       7.500            770.39
    SAN BERNARDINO   CA   92410          2            12/18/02         23
    0435282223                           03           02/01/03          0
    00280137                             O            01/01/33
    0

    8373069          W02/G01             F          119,305.00         ZZ
                                         360        119,143.80          1
                                       7.983            874.01        107
                                       7.733            874.01
    INDEPENDENCE     KY   41051          5            12/20/02         23
    0435307020                           05           02/01/03          0
    1001812452                           O            01/01/33
    0

1

    8373211          624/G01             F          188,000.00         ZZ
                                         360        187,867.31          1
                                       7.750          1,346.86        105
                                       7.500          1,346.86
    SPANAWAY         WA   98387          2            01/08/03         23
    0435272844                           03           03/01/03          0
    1000019106                           O            02/01/33
    0

    8373333          K15/G01             F          154,400.00         ZZ
                                         360        154,313.44          1
                                       8.875          1,228.48        103
                                       8.625          1,228.48
    CHESTERFIELD TO  MI   48047          1            01/09/03         23
    0435263827                           05           03/01/03          0
    035605507699                         O            02/01/33
    0

    8373417          624/G01             F           63,860.00         ZZ
                                         360         63,813.78          1
                                       7.625            452.00        103
                                       7.375            452.00
    FRESNO           CA   93702          1            01/09/03         23
    0435274014                           05           03/01/03          0
    1000019549                           O            02/01/33
    0

    8373455          K15/G01             F           94,500.00         ZZ
                                         360         94,445.63          1
                                       8.750            743.43         99
                                       8.500            743.43
    FAYETTEVILLE     NC   28303          5            01/10/03         23
    0435241492                           05           03/01/03          0
    017105508628                         O            02/01/33
    0

    8373509          K15/G01             F          113,000.00         ZZ
                                         360        112,958.59          1
                                      10.875          1,065.47        102
                                      10.375          1,065.47
    KISSIMMEE        FL   34758          5            01/10/03         23
    0435263645                           05           03/01/03          0
    009405504991                         O            02/01/33
    0

    8373537          M45/G01             F          122,000.00         ZZ
                                         360        121,839.84          1
                                       8.125            905.85        100
                                       7.875            905.85
1

    NEW ORLEANS      LA   70131          1            12/17/02         23
    0435302682                           05           02/01/03          0
    A0409721                             O            01/01/33
    0

    8374111          W02/G01             F           81,370.00         ZZ
                                         360         81,265.86          1
                                       8.250            611.31        103
                                       8.000            611.31
    MILTON           FL   32583          5            12/23/02         23
    0435306121                           05           02/01/03          0
    1001790103                           O            01/01/33
    0

    8374165          W02/G01             F          146,260.00         ZZ
                                         360        146,082.71          1
                                       8.515          1,126.17        103
                                       8.265          1,126.17
    ST CLOUD         FL   34769          5            12/24/02         23
    0435292016                           05           02/01/03          0
    1001878321                           O            01/01/33
    0

    8374393          Q78/G01             F          141,600.00         ZZ
                                         360        141,504.98          1
                                       8.000          1,039.02        107
                                       7.750          1,039.02
    BLOOMINGTON      IN   47408          2            01/14/03         23
    0435295332                           05           03/01/03          0
    721284                               O            02/01/33
    0

    8374815          K15/G01             F           99,900.00         ZZ
                                         360         99,846.84          1
                                       9.125            812.82        103
                                       8.875            812.82
    RICHMOND         IN   47374          5            01/14/03         23
    0435263744                           05           03/01/03          0
    033705505722                         O            02/01/33
    0

    8374821          W02/G01             F          121,540.00         ZZ
                                         360        121,404.98          1
                                       8.938            972.53        103
                                       8.688            972.53
    WEST CHESTER     PA   19380          5            12/20/02         23
    0435328463                           01           02/01/03          0
    1001681609                           O            01/01/33
    0
1

    8374837          532/G01             F           67,400.00         ZZ
                                         360         67,349.98          1
                                       7.500            471.27        107
                                       7.250            471.27
    SCOTTSBORO       AL   35768          1            12/31/02         23
    0435283668                           05           03/01/03          0
    PF03090                              O            02/01/33
    0

    8374893          K15/G01             F          189,900.00         ZZ
                                         360        189,372.07          1
                                       7.875          1,376.91        100
                                       7.625          1,376.91
    ARLETA           CA   91331          1            10/23/02         23
    0435283759                           05           12/01/02          0
    044500110763                         O            11/01/32
    0

    8374939          B39/G01             F          235,000.00         ZZ
                                         360        234,838.28          1
                                       7.875          1,703.91        100
                                       7.625          1,703.91
    NEW BRIGHTON     MN   55112          1            01/20/03         23
    0435268297                           05           03/01/03          0
    20030211F                            O            02/01/33
    0

    8374945          U85/G01             F           68,310.00         ZZ
                                         180         68,231.10          1
                                       8.750            537.40         99
                                       8.500            537.40
    ROTHSCHILD       WI   54474          1            12/13/02         23
    0435274568                           05           02/01/03          0
    PRINS                                O            01/01/18
    0

    8374981          W02/G01             F          231,750.00         ZZ
                                         360        231,521.12          1
                                       9.500          1,948.68        103
                                       9.250          1,948.68
    KINGSPORT        TN   37664          5            12/23/02         23
    0435307301                           05           02/01/03          0
    1001816256                           O            01/01/33
    0

    8375053          W02/G01             F          119,840.00         ZZ
                                         360        119,647.77          1
1

                                       7.125            807.38        107
                                       6.875            807.38
    KNOXVILLE        TN   37931          5            12/04/02         23
    0435306527                           05           02/01/03          0
    1001809821                           O            01/01/33
    0

    8375063          M45/G01             F          109,650.00         ZZ
                                         360        109,523.36          1
                                       8.750            862.62        103
                                       8.500            862.62
    SACRAMENTO       CA   95834          1            12/20/02         23
    0435272034                           01           02/01/03          0
    A0405863                             O            01/01/33
    0

    8375079          W02/G01             F          190,550.00         ZZ
                                         360        190,289.76          1
                                       7.930          1,388.91        103
                                       7.680          1,388.91
    TAMARAC          FL   33321          5            12/23/02         23
    0435293295                           05           02/01/03          0
    1001878667                           O            01/01/33
    0

    8375099          W02/G01             F          340,157.50         ZZ
                                         360        339,951.00          1
                                       8.490          2,613.11        103
                                       8.240          2,613.11
    FREDERICKSBURG   VA   22047          5            01/02/03         23
    0435306576                           05           03/01/03          0
    1001797852                           O            02/01/33
    0

    8375127          W02/G01             F           80,250.00         ZZ
                                         180         79,720.56          2
                                       7.650            750.79        107
                                       7.400            750.79
    NANTICOKE        PA   18634          5            12/23/02         23
    0435291737                           05           02/01/03          0
    1001820843                           O            01/01/18
    0

    8375197          W02/G01             F          109,180.00         ZZ
                                         360        109,029.21          1
                                       7.875            791.64        103
                                       7.625            791.64
    BRUNSWICK        OH   44212          5            12/17/02         23
    0435306683                           01           02/01/03          0
1

    1001793280                           O            01/01/33
    0

    8375199          U35/G01             F          219,350.00         ZZ
                                         360        219,213.66          1
                                       8.375          1,667.22        107
                                       8.125          1,667.22
    APPLETON         WI   54915          5            01/17/03         23
    0435286638                           05           03/01/03          0
    10605004                             O            02/01/33
    0

    8375227          W02/G01             F           66,950.00         ZZ
                                         360         66,888.97          1
                                       9.880            581.61        103
                                       9.380            581.61
    DUNNELLON        FL   34431          5            12/23/02         23
    0435343827                           05           02/01/03          0
    1001883461                           O            01/01/33
    0

    8375241          X21/G01             F           72,707.00         ZZ
                                         360         72,601.41          1
                                       7.625            514.62        100
                                       7.375            514.62
    GERMANTOWN       MD   20874          1            12/31/02         23
    0435429394                           01           02/01/03          0
    705987                               O            01/01/33
    0

    8375275          W39/G01             F           92,000.00         ZZ
                                         360         91,938.27          1
                                       8.000            675.06        100
                                       7.750            675.06
    BATON ROUGE      LA   70814          1            01/14/03         23
    0435260393                           05           03/01/03          0
    LA025101                             O            02/01/33
    0

    8375279          W02/G01             F          101,115.00         ZZ
                                         360        100,964.43          1
                                       7.500            707.02        101
                                       7.250            707.02
    FT MYERS         FL   33901          1            12/31/02         23
    0435291687                           05           02/01/03          0
    1001862554                           O            01/01/33
    0

1

    8375371          W02/G01             F          157,984.00         ZZ
                                         360        157,768.59          1
                                       7.938          1,152.41        100
                                       7.688          1,152.41
    MIRAMAR          FL   33023          5            12/19/02         23
    0435329883                           05           02/01/03          0
    1001840370                           O            01/01/33
    0

    8375379          W02/G01             F           94,160.00         ZZ
                                         180         93,597.19          1
                                       7.656            881.25        107
                                       7.406            881.25
    MEMPHIS          TN   38135          5            12/18/02         23
    0435306824                           07           02/01/03          0
    1011814656                           O            01/01/18
    0

    8375383          F89/G01             F          146,000.00         ZZ
                                         360        145,891.65          1
                                       7.500          1,020.85        100
                                       7.250          1,020.85
    RIALTO           CA   92376          1            01/13/03         23
    0435284765                           05           03/01/03          0
    11126959                             O            02/01/33
    0

    8375451          W02/G01             F          134,820.00         ZZ
                                         360        134,621.65          1
                                       7.560            948.23        107
                                       7.310            948.23
    HARWICK          PA   15049          5            12/26/02         23
    0435306741                           04           02/01/03          0
    1001815539                           O            01/01/33
    0

    8375545          S53/G01             F          131,000.00         ZZ
                                         180        130,920.48          1
                                       8.490          1,006.35        100
                                       8.240          1,006.35
    SAINT PAUL       MN   55107          1            01/13/03         23
    0435286737                           05           03/01/03          0
    9843311                              O            02/01/18
    0

    8375657          X82/G01             F          114,700.00         ZZ
                                         360        114,621.07          1
                                       7.875            831.65        105
                                       7.625            831.65
1

    MIDDLETOWN       PA   17057          2            01/03/03         23
    0435361894                           05           03/01/03          0
    846379                               O            02/01/33
    0

    8375817          J95/G01             F          151,200.00         ZZ
                                         360        151,090.56          1
                                       7.625          1,070.19        105
                                       7.375          1,070.19
    BEAUFORT         SC   29902          1            01/10/03         23
    0435249859                           05           03/01/03          0
    0040939167                           O            02/01/33
    0

    8375861          737/G01             F          142,500.00         ZZ
                                         360        142,399.42          1
                                       7.750          1,020.89        100
                                       7.500          1,020.89
    KINGMAN          AZ   86401          1            01/13/03         23
    0435273115                           05           03/01/03          0
    2104712                              O            02/01/33
    0

    8375863          737/G01             F          216,950.00         ZZ
                                         360        216,792.98          1
                                       7.625          1,535.56         95
                                       7.375          1,535.56
    MESA             AZ   85203          1            01/07/03         23
    0435277884                           05           03/01/03          0
    2103173                              N            02/01/33
    0

    8375931          737/G01             F          146,000.00         ZZ
                                         360        145,891.65          1
                                       7.500          1,020.85        104
                                       7.250          1,020.85
    MIDDLEBURG       FL   32068          1            01/14/03         23
    0435426135                           03           03/01/03          0
    2104340                              O            02/01/33
    0

    8376109          F34/G01             F          155,600.00         ZZ
                                         180        154,241.99          1
                                       8.000          1,487.00         98
                                       7.750          1,487.00
    SANDWICH         IL   60548          5            11/20/02         23
    0435400189                           03           01/01/03          0
    M9TA153300                           O            12/01/17
    0
1

    8376239          F34/G01             F          112,350.00         ZZ
                                         360        112,213.38          1
                                       8.500            863.88        107
                                       8.250            863.88
    OLATHE           KS   66061          2            12/10/02         23
    0435285119                           09           02/01/03          0
    M9QM175481                           O            01/01/33
    0

    8376245          W78/G01             F          115,900.00         ZZ
                                         360        115,671.03          1
                                       8.125            860.55        100
                                       7.875            860.55
    FRESNO           TX   77545          1            11/27/02         23
    0435282165                           03           01/01/03          0
    40719342                             O            12/01/32
    0

    8377035          A11/G01             F          149,350.00         ZZ
                                         360        149,133.12          1
                                       7.625          1,057.09        100
                                       7.375          1,057.09
    BROOKLYN         MI   49230          1            01/14/03         23
    0435296355                           05           02/14/03          0
    7200696052W                          O            01/14/33
    0

    8377137          A11/G01             F          186,000.00         ZZ
                                         360        185,719.59          1
                                       7.438          1,292.66        102
                                       7.188          1,292.66
    BRIGHTON TOWNSH  MI   48114          1            01/14/03         23
    0435282728                           05           02/14/03          0
    7212663572                           O            01/14/33
    0

    8377215          F34/G01             F          180,250.00         ZZ
                                         360        180,067.23          1
                                       9.375          1,499.23        103
                                       9.125          1,499.23
    WHITE LAKE       MI   48386          5            12/11/02         23
    0435294806                           05           02/01/03          0
    E5PV129735E                          O            01/01/33
    0

    8377221          F34/G01             F          247,000.00         ZZ
                                         360        246,762.39          1
1

                                       9.625          2,099.48         95
                                       9.375          2,099.48
    MOBILE           AL   36695          5            12/14/02         23
    0435419650                           03           02/01/03          0
    M9SA140463                           O            01/01/33
    0

    8377397          E22/G01             F          164,800.00         ZZ
                                         360        164,689.43          1
                                       8.000          1,209.24        103
                                       7.500          1,209.24
    REDMOND          OR   97756          5            01/13/03         23
    0415590173                           05           03/01/03          0
    0415590173                           O            02/01/33
    0

    8377399          E22/G01             F          173,040.00         ZZ
                                         360        172,935.17          1
                                       8.500          1,330.53        103
                                       8.250          1,330.53
    OWINGS MILLS     MD   21117          5            01/14/03         23
    0415592799                           01           03/01/03          0
    0415592799                           O            02/01/33
    0

    8377501          E22/G01             F           85,600.00         ZZ
                                         360         85,541.09          1
                                       7.875            620.66        107
                                       7.375            620.66
    LINCOLN          NE   68504          5            01/14/03         23
    0415769041                           05           03/01/03          0
    0415769041                           O            02/01/33
    0

    8377527          E22/G01             F           94,050.00         ZZ
                                         360         93,998.63          1
                                       9.000            756.75         99
                                       8.500            756.75
    LEXINGTON        SC   29072          5            01/14/03         23
    0415795772                           05           03/01/03          0
    0415795772                           O            02/01/33
    0

    8377575          E22/G01             F           87,740.00         ZZ
                                         360         87,678.07          1
                                       7.750            628.58        107
                                       7.250            628.58
    COLUMBUS         NE   68601          5            01/15/03         23
    0415667286                           05           03/01/03          0
1

    0415667286                           O            02/01/33
    0

    8377615          E22/G01             F          161,710.00         ZZ
                                         360        161,616.97          1
                                       8.750          1,272.17        103
                                       8.250          1,272.17
    BOCA RATON       FL   33496          2            01/14/03         23
    0415680123                           09           03/01/03          0
    0415680123                           O            02/01/33
    0

    8377617          E22/G01             F           56,650.00         ZZ
                                         360         56,628.09          1
                                      10.625            523.50        103
                                      10.125            523.50
    CORINTH          MS   38834          1            01/20/03         23
    0415685544                           05           03/01/03          0
    0415685544                           O            02/01/33
    0

    8377719          E22/G01             F          164,675.00         ZZ
                                         360        164,580.26          1
                                       8.750          1,295.50        103
                                       8.500          1,295.50
    NORTH POLE       AK   99705          1            01/13/03         23
    0415871920                           05           03/01/03          0
    0415871920                           O            02/01/33
    0

    8377819          U05/G01             F          226,200.00         ZZ
                                         360        226,048.22          1
                                       8.000          1,659.78        102
                                       7.750          1,659.78
    COCONUT CREEK    FL   33063          5            01/13/03         23
    0435279419                           05           03/01/03          0
    3295140                              O            02/01/33
    0

    8377867          U05/G01             F          130,000.00         ZZ
                                         360        129,910.54          1
                                       7.875            942.59        100
                                       7.625            942.59
    EUGENE           OR   97402          1            01/15/03         23
    0435280417                           05           03/01/03          0
    3295762                              O            02/01/33
    0

1

    8377895          U05/G01             F          126,650.00         ZZ
                                         360        126,579.00          1
                                       8.875          1,007.68        103
                                       8.625          1,007.68
    CANTONMENT       FL   32533          5            01/13/03         23
    0435282264                           05           03/01/03          0
    3293380                              O            02/01/33
    0

    8377943          A11/G01             F          109,725.00         ZZ
                                         360        109,565.66          1
                                       7.625            776.63         95
                                       7.375            776.63
    HARRISON TOWNSH  MI   48045          1            01/17/03         23
    0435299011                           05           02/17/03          0
    1690763577                           N            01/17/33
    0

    8377951          N67/G01             F          120,800.00         ZZ
                                         360        120,718.94          1
                                       8.000            886.39        106
                                       7.750            886.39
    APOPKA           FL   32712          5            01/06/03         23
    0435272307                           05           03/01/03          0
    3252004044                           O            02/01/33
    0

    8377971          A11/G01             F          119,700.00         ZZ
                                         360        119,526.17          1
                                       7.625            847.23         95
                                       7.375            847.23
    WAYNE            MI   48184          1            01/16/03         23
    0435409115                           05           02/16/03          0
    4671066707                           N            01/16/33
    0

    8377977          737/G01             F          259,900.00         ZZ
                                         360        259,725.62          2
                                       8.000          1,907.05        100
                                       7.750          1,907.05
    LONG BEACH       CA   90805          1            01/09/03         23
    0435259676                           05           03/01/03          0
    1844646                              O            02/01/33
    0

    8378057          X67/G01             F          199,000.00         ZZ
                                         360        198,718.19          1
                                       7.750          1,425.66        107
                                       7.500          1,425.66
1

    TUSTIN           CA   92780          1            12/12/02         23
    0435283387                           01           02/01/03          0
    00281761                             O            01/01/33
    0

    8378119          U85/G01             F           92,000.00         ZZ
                                         360         91,913.81          1
                                       9.750            790.42        100
                                       9.500            790.42
    SHAWANO          WI   54166          1            12/16/02         23
    0435284724                           05           02/01/03          0
    100127                               O            01/01/33
    0

    8378141          642/G01             F          142,200.00         ZZ
                                         360        142,091.80          1
                                       7.375            982.14        106
                                       7.125            982.14
    COLORADO SPRING  CO   80910          2            01/13/03         23
    0435281134                           05           03/01/03          0
    12217602                             O            02/01/33
    0

    8378159          N67/G01             F          285,000.00         ZZ
                                         360        284,760.43          1
                                       7.750          2,041.77        100
                                       7.500          2,041.77
    LOS ANGELES      CA   90063          1            01/03/03         23
    0435272794                           05           03/01/03          0
    1781004188                           O            02/01/33
    0

    8378165          642/G01             F          345,779.00         ZZ
                                         360        345,558.51          1
                                       8.250          2,597.72        104
                                       8.000          2,597.72
    NORTHRIDGE       CA   91324          1            01/15/03         23
    0435280839                           05           03/01/03          0
    12136902                             O            02/01/33
    0

    8378181          E86/G01             F           57,000.00         ZZ
                                         180         56,966.35          1
                                       8.625            443.34         95
                                       8.375            443.34
    CHICAGO          IL   60641          1            01/10/03         23
    0435262902                           05           03/01/03          0
    0000238147                           N            02/01/18
    0
1

    8378451          X91/G01             F          294,550.00         ZZ
                                         360        294,302.55          1
                                       6.875          1,934.98        103
                                       6.625          1,934.98
    PEARL CITY       HI   96782          1            01/16/03         23
    0435343355                           05           03/01/03          0
    803528                               O            02/01/33
    0

    8378473          003/G01             F           44,500.00         ZZ
                                         360         44,435.38          1
                                       7.625            314.97        106
                                       7.375            314.97
    PLANTATION       FL   33314          1            12/09/02         23
    0435395983                           01           02/01/03          0
    0021893102                           O            01/01/33
    0

    8378477          Y19/G01             F          269,000.00         ZZ
                                         360        268,790.16          1
                                       7.250          1,835.05        107
                                       7.000          1,835.05
    UNIONVILLE       VA   22567          1            01/10/03         23
    0435286349                           05           03/01/03          0
    102110                               O            02/01/33
    0

    8378489          M24/G01             F          104,000.00         ZZ
                                         360        103,941.70          1
                                       8.875            827.47         99
                                       8.625            827.47
    TUSCON           AZ   85746          5            01/03/03         23
    0435284773                           05           03/01/03          0
    269107063                            O            02/01/33
    0

    8378491          M24/G01             F          198,000.00         ZZ
                                         360        197,860.25          1
                                       7.750          1,418.50        100
                                       7.500          1,418.50
    GREENBELT        MD   20770          1            01/16/03         23
    0435284815                           09           03/01/03          0
    253106979                            O            02/01/33
    0

    8378495          W35/G01             F          163,000.00         ZZ
                                         360        162,887.25          1
1

                                       7.850          1,179.04        106
                                       7.600          1,179.04
    HUNTERTOWN       IN   46748          2            01/17/03         23
    0435284237                           05           03/01/03          0
    16837                                O            02/01/33
    0

    8378613          737/G01             F          300,000.00         ZZ
                                         360        299,831.82          1
                                       8.875          2,386.93        103
                                       8.625          2,386.93
    COLUMBIA         MD   21045          1            01/10/03         23
    0435286570                           05           03/01/03          0
    2100499                              O            02/01/33
    0

    8378621          685/G01             F          213,000.00         ZZ
                                         360        212,845.84          1
                                       7.625          1,507.60        107
                                       7.375          1,507.60
    LONG BEACH       CA   90805          2            01/10/03         23
    0435284732                           05           03/01/03          0
    132894                               O            02/01/33
    0

    8378641          737/G01             F          283,100.00         ZZ
                                         360        282,937.12          1
                                       8.750          2,227.15        103
                                       8.500          2,227.15
    ELK GROVE        CA   95758          1            01/08/03         23
    0435408174                           05           03/01/03          0
    2101703                              O            02/01/33
    0

    8378655          K15/G01             F           78,000.00         ZZ
                                         360         77,900.18          1
                                       8.250            585.99        100
                                       8.000            585.99
    ELLENDALE        DE   19941          1            12/18/02         23
    0435256797                           05           02/01/03          0
    052000112715                         O            01/01/33
    0

    8378661          W39/G01             F          223,350.00         ZZ
                                         360        223,263.61          1
                                      10.625          2,063.97         96
                                      10.125          2,063.97
    BRADENTON        FL   34212          1            01/21/03         23
    0435291851                           03           03/01/03          0
1

    LA024472                             O            02/01/33
    0

    8378955          964/G01             F          194,750.00         ZZ
                                         360        194,612.55          1
                                       7.750          1,395.21         95
                                       7.500          1,395.21
    VENTURA          CA   93003          1            01/06/03         23
    0435271929                           01           03/01/03          0
    283297                               O            02/01/33
    0

    8379063          964/G01             F          161,950.00         ZZ
                                         360        161,832.79          1
                                       7.625          1,146.27        100
                                       7.375          1,146.27
    BRAWLEY          CA   92227          1            01/15/03         23
    0435262886                           05           03/01/03          0
    235103                               O            02/01/33
    0

    8379221          003/G01             F          117,300.00         ZZ
                                         360        117,153.67          1
                                       8.375            891.57         95
                                       8.125            891.57
    HOSCHTON         GA   30548          1            12/11/02         23
    0435395496                           05           02/01/03          0
    0021893797                           N            01/01/33
    0

    8379443          G75/G01             F          192,600.00         ZZ
                                         360        192,099.72          1
                                       6.750          1,249.20        107
                                       6.500          1,249.20
    PHILADELPHIA     PA   19127          1            11/29/02         23
    0435288329                           07           01/01/03          0
    04869458                             O            12/01/32
    0

    8379445          R84/G01             F          212,900.00         ZZ
                                         360        212,590.84          1
                                       7.625          1,506.89        107
                                       7.375          1,506.89
    VANCOUVER        WA   98683          5            12/10/02         23
    0435286224                           05           02/01/03          0
    900252                               O            01/01/33
    0

1

    8379533          T15/G01             F          185,000.00         ZZ
                                         360        184,605.50          1
                                       7.290          1,267.05        106
                                       7.040          1,267.05
    MUSKEGON         MI   49445          2            12/16/02         23
    0435282124                           05           02/01/03          0
    1                                    O            01/01/33
    0

    8379931          Q14/G01             F          113,300.00         ZZ
                                         360        113,238.11          1
                                       9.000            911.64        103
                                       8.750            911.64
    OMAHA            NE   68127          1            01/16/03         23
    0435262530                           05           03/01/03          0
    0000310979                           O            02/01/33
    0

    8380253          003/G01             F          122,450.00         ZZ
                                         360        122,301.10          1
                                       8.500            941.54         95
                                       8.250            941.54
    ATLANTA          GA   30318          1            12/31/02         23
    0435315205                           05           02/01/03          0
    0021921515                           N            01/01/33
    0

    8380319          U05/G01             F          184,950.00         ZZ
                                         360        184,694.59          1
                                       7.875          1,341.02        103
                                       7.625          1,341.02
    MIRAMAR          FL   33027          1            12/20/02         23
    0435280342                           09           02/01/03          0
    3290003                              O            01/01/33
    0

    8380339          E22/G01             F          119,500.00         ZZ
                                         360        119,413.51          1
                                       7.625            845.81        105
                                       7.375            845.81
    ELYRIA           OH   44035          1            01/22/03         23
    0415744168                           05           03/01/03          0
    0415744168                           O            02/01/33
    0

    8380347          E22/G01             F           38,000.00         ZZ
                                         360         37,972.50          2
                                       7.625            268.96         95
                                       7.375            268.96
1

    TARRANT          AL   35214          1            01/22/03         23
    0415762574                           05           03/01/03          0
    0415762574                           N            02/01/33
    0

    8380349          E22/G01             F          264,290.00         ZZ
                                         360        264,103.46          1
                                       7.750          1,893.41        107
                                       7.250          1,893.41
    OREGON CITY      OR   97045          2            01/03/03         23
    0415766369                           05           03/01/03          0
    0415766369                           O            02/01/33
    0

    8380373          E22/G01             F          225,000.00         ZZ
                                         360        224,841.19          1
                                       7.750          1,611.93        100
                                       7.500          1,611.93
    BELLFLOWER       CA   90706          1            12/30/02         23
    0415796671                           05           03/01/03          0
    0415796671                           O            02/01/33
    0

    8380411          E22/G01             F          195,700.00         ZZ
                                         360        195,608.69          2
                                       9.750          1,681.37        103
                                       9.250          1,681.37
    NORTH POLE       AK   99705          1            01/10/03         23
    0415729862                           05           03/01/03          0
    0415729862                           O            02/01/33
    0

    8380413          E22/G01             F          379,000.00         ZZ
                                         360        378,776.24          1
                                       8.625          2,947.82        103
                                       8.375          2,947.82
    LIVERMORE        CA   94550          1            01/13/03         23
    0415730506                           05           03/01/03          0
    0415730506                           O            02/01/33
    0

    8380415          E22/G01             F          130,000.00         ZZ
                                         360        129,919.20          1
                                       8.375            988.09        100
                                       8.125            988.09
    JULIAN           CA   92036          1            01/13/03         23
    0415732734                           05           03/01/03          0
    0415732734                           O            02/01/33
    0
1

    8380431          E22/G01             F           81,370.00         ZZ
                                         360         81,325.56          1
                                       9.000            654.72        103
                                       8.500            654.72
    SOUTH BEND       IN   46616          1            01/22/03         23
    0415864461                           05           03/01/03          0
    0415864461                           O            02/01/33
    0

    8380525          E22/G01             F          278,100.00         ZZ
                                         360        277,935.81          1
                                       8.625          2,163.03        103
                                       8.125          2,163.03
    RICHMOND         CA   94801          1            01/09/03         23
    0415809672                           05           03/01/03          0
    0415809672                           O            02/01/33
    0

    8380555          E22/G01             F          300,000.00         ZZ
                                         360        299,793.54          1
                                       7.875          2,175.21        103
                                       7.625          2,175.21
    HUDSON           MA   01749          1            01/22/03         23
    0415851559                           05           03/01/03          0
    0415851559                           O            02/01/33
    0

    8380557          W02/G01             F          139,000.00         ZZ
                                         360        138,812.83          1
                                       8.000          1,019.94        103
                                       7.750          1,019.94
    PORTAGE          IN   46368          5            12/23/02         23
    0435336946                           05           02/01/03          0
    1001835644                           O            01/01/33
    0

    8380561          U05/G01             F           82,400.00         ZZ
                                         360         82,280.34          1
                                       7.625            583.22        103
                                       7.375            583.22
    GOLD HILL        OR   97525          1            12/31/02         23
    0435282090                           05           02/01/03          0
    3286889                              O            01/01/33
    0

    8380563          K15/G01             F          198,000.00         ZZ
                                         360        197,853.06          1
1

                                       7.500          1,384.44         90
                                       7.250          1,384.44
    TOWN OF DEER PA  NY   12729          5            01/04/03         23
    0435299532                           05           03/01/03          0
    023605508492                         O            02/01/33
    0

    8380613          K15/G01             F           76,900.00         ZZ
                                         360         76,848.41          1
                                       8.000            564.26        100
                                       7.750            564.26
    HICKORY          NC   28602          5            01/13/03         23
    0435282330                           05           03/01/03          0
    017405508971                         O            02/01/33
    0

    8380615          X67/G01             F          133,450.00         ZZ
                                         360        133,345.90          1
                                       7.250            910.36         99
                                       7.000            910.36
    GLENDALE         AZ   85306          2            01/10/03         23
    0435297585                           05           03/01/03          0
    00281608                             O            02/01/33
    0

    8380645          K15/G01             F           80,300.00         ZZ
                                         360         80,250.09          1
                                       8.375            610.34        103
                                       8.125            610.34
    MIDDLETON        MI   48856          5            01/08/03         23
    0435282298                           05           03/01/03          0
    036305307189                         O            02/01/33
    0

    8380737          F34/G01             F          113,300.00         ZZ
                                         360        113,234.81          1
                                       8.750            891.34        107
                                       8.500            891.34
    WEAVERVILLE      NC   28787          5            01/08/03         23
    0435284831                           05           03/01/03          0
    Q9WP129663                           O            02/01/33
    0

    8380779          J95/G01             F          132,200.00         ZZ
                                         360        132,008.01          1
                                       7.625            935.71        104
                                       7.375            935.71
    SPOKANE          WA   99223          1            12/23/02         23
    0435271572                           05           02/01/03          0
1

    0040895898                           O            01/01/33
    0

    8380783          808/G01             F          331,000.00         ZZ
                                         360        330,772.21          1
                                       7.875          2,399.98        107
                                       7.625          2,399.98
    RIPON            CA   95366          1            01/06/03         23
    0435288626                           05           03/01/03          0
    9429420                              O            02/01/33
    0

    8380909          U96/G01             F          174,550.00         ZZ
                                         360        174,464.14          1
                                       9.500          1,467.71        103
                                       9.250          1,467.71
    WAIPAHU          HI   96797          1            01/21/03         23
    0435286398                           01           03/01/03          0
    30100288                             O            02/01/33
    0

    8380931          X21/G01             F          199,000.00         ZZ
                                         360        198,688.56          1
                                       7.250          1,357.54        100
                                       7.000          1,357.54
    WASHINGTON       DC   20020          1            12/30/02         23
    0435277983                           05           02/01/03          0
    706207                               O            01/01/33
    0

    8380933          W02/G01             F          125,190.00         ZZ
                                         360        124,994.09          1
                                       7.250            854.02        107
                                       7.000            854.02
    VIRGINIA BEACH   VA   23456          5            12/26/02         23
    0435336995                           05           02/01/03          0
    1001801207                           O            01/01/33
    0

    8380937          X21/G01             F          105,000.00         ZZ
                                         360        104,912.14          1
                                       8.125            779.63        105
                                       7.875            779.63
    BALTIMORE        MD   21227          1            01/09/03         23
    0435278056                           07           03/01/03          0
    705910                               O            02/01/33
    0

1

    8381015          N11/G01             F           82,500.00         ZZ
                                         360         82,459.43          1
                                       9.500            693.70        100
                                       9.250            693.70
    NEW MARKET       AL   35761          1            01/15/03         23
    0435289657                           05           03/01/03          0
    1                                    O            02/01/33
    0

    8381159          W39/G01             F          109,333.00         ZZ
                                         360        109,274.82          1
                                       9.125            889.57        103
                                       8.875            889.57
    BROWNSVILLE      TX   78526          1            01/17/03         23
    0435319884                           05           03/01/03          0
    PND20699                             O            02/01/33
    0

    8381377          W02/G01             F          138,020.00         ZZ
                                         360        137,926.06          1
                                       7.930          1,006.02        103
                                       7.680          1,006.02
    MELBOURNE        FL   32901          5            01/02/03         23
    0435313002                           05           03/01/03          0
    1001869495                           O            02/01/33
    0

    8381403          U85/G01             F           68,495.00         ZZ
                                         180         68,461.94          1
                                       9.590            580.45        103
                                       9.340            580.45
    PORTAGE          WI   53901          1            01/15/03         23
    0435283940                           05           03/01/03          0
    1                                    O            02/01/18
    0

    8381481          964/G01             F          298,000.00         ZZ
                                         360        297,832.94          1
                                       8.875          2,371.02        100
                                       8.625          2,371.02
    MEADOW VISTA     CA   95722          1            01/06/03         23
    0435272836                           05           03/01/03          0
    311666                               O            02/01/33
    0

    8381483          W42/G01             F          239,900.00         ZZ
                                         180        239,600.72          1
                                       8.375          1,823.42        100
                                       8.125          1,823.42
1

    CHICAGO          IL   60634          1            01/10/03         23
    0435335187                           05           02/10/03          0
    35480060                             O            01/10/18
    0

    8381579          964/G01             F          188,400.00         ZZ
                                         360        188,285.87          1
                                       8.500          1,448.63        103
                                       8.250          1,448.63
    RENO             NV   89523          1            01/15/03         23
    0435275011                           05           03/01/03          0
    330519                               O            02/01/33
    0

    8381585          P29/G01             F          156,420.00         ZZ
                                         180        156,303.92          1
                                       7.500          1,093.71         99
                                       7.250          1,093.71
    WAUKEE           IA   50263          1            01/22/03         23
    0435304886                           05           03/01/03          0
    10646447                             O            02/01/18
    0

    8381699          964/G01             F          149,000.00         ZZ
                                         360        148,889.42          1
                                       7.500          1,041.83        100
                                       7.250          1,041.83
    BANKS            OR   97106          1            01/10/03         23
    0435292305                           05           03/01/03          0
    275778                               O            02/01/33
    0

    8381705          X83/G01             F           72,000.00         ZZ
                                         360         71,900.57          1
                                       7.875            522.05        106
                                       7.625            522.05
    FLINT            MI   48506          1            01/20/03         23
    0435335377                           05           02/20/03          0
    8400568                              O            01/20/33
    0

    8381711          964/G01             F           94,850.00         ZZ
                                         360         94,781.35          1
                                       7.625            671.34        100
                                       7.375            671.34
    MESAE            AZ   85205          1            01/14/03         23
    0435274659                           01           03/01/03          0
    325543                               O            02/01/33
    0
1

    8381733          N67/G01             F          167,650.00         ZZ
                                         360        167,545.80          1
                                       8.375          1,274.26         99
                                       8.125          1,274.26
    GILBERT          AZ   85234          1            01/15/03         23
    0435287495                           05           03/01/03          0
    1781004777                           O            02/01/33
    0

    8381757          U35/G01             F           39,000.00         ZZ
                                         360         38,980.82          1
                                       9.500            327.93        100
                                       9.250            327.93
    ROCK ISLAND      IL   61201          5            01/21/03         23
    0435289475                           05           03/01/03          0
    0007644255                           O            02/01/33
    0

    8381853          N46/G01             F           81,500.00         ZZ
                                         360         81,454.31          1
                                       8.875            648.45        102
                                       8.625            648.45
    OAKBORO          NC   28129          1            01/21/03         23
    0435283379                           05           03/01/03          0
    BARB6C246                            O            02/01/33
    0

    8381883          Q14/G01             F          169,400.00         ZZ
                                         360        169,332.68          1
                                      10.500          1,549.57        103
                                      10.250          1,549.57
    OLATHE           KS   66062          5            01/14/03         23
    0435264445                           05           03/01/03          0
    0000210909                           O            02/01/33
    0

    8382011          Q01/G01             F          207,500.00         ZZ
                                         360        207,374.29          1
                                       8.500          1,595.50        107
                                       8.250          1,595.50
    ST CHARLES       IL   60174          2            01/16/03         23
    0435321344                           05           03/01/03          0
    119996                               O            02/01/33
    0

    8382781          E22/G01             F           73,000.00         ZZ
                                         360         72,965.03          1
1

                                       9.625            620.49        100
                                       9.125            620.49
    ROCKAWAY BEACH   MO   65740          1            01/22/03         23
    0415805258                           05           03/01/03          0
    0415805258                           O            02/01/33
    0

    8382801          E22/G01             F           98,000.00         ZZ
                                         360         97,943.61          1
                                       8.750            770.97         98
                                       8.250            770.97
    OAKWOOD          OH   45873          5            01/17/03         23
    0415547900                           05           03/01/03          0
    0415547900                           O            02/01/33
    0

    8382813          E22/G01             F          121,500.00         ZZ
                                         360        121,430.10          1
                                       8.750            955.84         97
                                       8.250            955.84
    POMPANO BEACH    FL   33060          5            01/03/03         23
    0415617240                           05           03/01/03          0
    0415617240                           O            02/01/33
    0

    8382823          E22/G01             F          118,000.00         ZZ
                                         360        117,918.80          1
                                       7.875            855.58        106
                                       7.625            855.58
    SAGINAW          MI   48603          2            01/17/03         23
    0415657295                           05           03/01/03          0
    0415657295                           O            02/01/33
    0

    8382827          E22/G01             F           57,475.00         ZZ
                                         360         57,439.28          2
                                       8.375            436.85         95
                                       8.125            436.85
    LORAIN           OH   44052          1            01/23/03         23
    0415684901                           05           03/01/03          0
    0415684901                           N            02/01/33
    0

    8382837          E22/G01             F          106,900.00         ZZ
                                         360        106,848.79          1
                                       9.625            908.64        100
                                       9.125            908.64
    HUNTSVILLE       AL   35806          1            01/23/03         23
    0415702307                           05           03/01/03          0
1

    0415702307                           O            02/01/33
    0

    8382913          E22/G01             F          183,237.00         ZZ
                                         360        183,114.05          1
                                       8.000          1,344.53        103
                                       7.500          1,344.53
    GARDNERVILLE     NV   89410          1            01/13/03         23
    0415888064                           05           03/01/03          0
    0415888064                           O            02/01/33
    0

    8382939          E22/G01             F          129,900.00         ZZ
                                         360        129,808.32          1
                                       7.750            930.62        100
                                       7.500            930.62
    DELTONA          FL   32725          1            01/23/03         23
    0415712793                           05           03/01/03          0
    0415712793                           O            02/01/33
    0

    8382965          E22/G01             F          135,890.00         ZZ
                                         360        135,781.33          1
                                       7.125            915.52        107
                                       6.625            915.52
    OAKDALE          CA   95361          1            01/16/03         23
    0415717487                           05           03/01/03          0
    0415717487                           O            02/01/33
    0

    8382989          E22/G01             F           44,290.00         ZZ
                                         360         44,262.47          1
                                       8.375            336.64        103
                                       7.875            336.64
    TAMPA            FL   33619          1            01/23/03         23
    0415894534                           05           03/01/03          0
    0415894534                           O            02/01/33
    0

    8382997          E22/G01             F          203,700.00         ZZ
                                         360        203,573.39          2
                                       8.375          1,548.27         95
                                       8.125          1,548.27
    WEST ORANGE      NJ   07052          1            01/23/03         23
    0415898014                           05           03/01/03          0
    0415898014                           O            02/01/33
    0

1

    8383001          E22/G01             F           50,000.00         ZZ
                                         360         49,971.97          1
                                       8.875            397.82        100
                                       8.375            397.82
    TULSA            OK   74115          1            01/23/03         23
    0415908847                           05           03/01/03          0
    0415908847                           O            02/01/33
    0

    8383003          E22/G01             F          129,800.00         ZZ
                                         360        129,723.37          1
                                       8.625          1,009.57        100
                                       8.375          1,009.57
    TOLEDO           OH   43615          1            01/23/03         23
    0415911197                           05           03/01/03          0
    0415911197                           O            02/01/33
    0

    8383019          E22/G01             F          178,880.00         ZZ
                                         360        178,743.89          1
                                       7.375          1,235.48        104
                                       6.875          1,235.48
    FEDERAL WAY      WA   98003          1            01/21/03         23
    0415942085                           05           03/01/03          0
    0415942085                           O            02/01/33
    0

    8383023          E22/G01             F          153,900.00         ZZ
                                         360        153,779.94          1
                                       7.250          1,049.87        105
                                       6.750          1,049.87
    EUGENE           OR   97402          1            01/17/03         23
    0415959717                           05           03/01/03          0
    0415959717                           O            02/01/33
    0

    8383737          W53/G01             F           35,055.00         ZZ
                                         360         35,032.06          2
                                       8.125            260.29         95
                                       7.875            260.29
    ROCHESTER        NY   14612          1            01/09/03         23
    0435294111                           05           03/01/03          0
    5201354200                           N            02/01/33
    0

    8383741          W53/G01             F           41,705.00         ZZ
                                         360         41,677.72          2
                                       8.125            309.66         95
                                       7.875            309.66
1

    ROCHESTER        NY   14608          1            01/09/03         23
    0435297908                           05           03/01/03          0
    5201354100                           N            02/01/33
    0

    8383773          P29/G01             F           96,800.00         ZZ
                                         360         96,753.63          1
                                       9.625            822.79        103
                                       9.375            822.79
    FARGO            ND   58103          1            01/24/03         23
    0435287057                           05           03/01/03          0
    10647547                             O            02/01/33
    0

    8383789          642/G01             F          147,600.00         ZZ
                                         360        147,512.86          1
                                       8.625          1,148.02        107
                                       8.375          1,148.02
    CALEXICO         CA   92231          5            01/21/03         23
    0435297247                           05           03/01/03          0
    01192803                             O            02/01/33
    0

    8383819          642/G01             F          206,000.00         ZZ
                                         360        205,868.64          1
                                       8.250          1,547.61        105
                                       8.000          1,547.61
    MECHANICSVILLE   MD   20659          2            01/21/03         23
    0435297130                           05           03/01/03          0
    01199503                             O            02/01/33
    0

    8383831          B28/G01             F          106,090.00         ZZ
                                         360        105,935.94          1
                                       7.625            750.90        103
                                       7.375            750.90
    HUNTSVILLE       AL   35811          1            12/30/02         23
    0435293808                           05           02/01/03          0
    13100141                             O            01/01/33
    0

    8383855          950/G01             F          104,500.00         ZZ
                                         360        104,435.04          1
                                       8.375            794.28         95
                                       8.125            794.28
    TUCSON           AZ   85746          1            01/07/03         23
    0435284468                           03           03/01/03          0
    EY2C030                              N            02/01/33
    0
1

    8383881          N46/G01             F          149,200.00         ZZ
                                         360        149,089.27          1
                                       7.500          1,043.23        106
                                       7.250          1,043.23
    CLEARWATER       FL   33765          1            01/23/03         23
    0435286935                           05           03/01/03          0
    92812401                             O            02/01/33
    0

    8383885          U05/G01             F          154,000.00         ZZ
                                         360        153,891.31          1
                                       7.750          1,103.27         95
                                       7.500          1,103.27
    KRUM             TX   76249          1            01/14/03         23
    0435291703                           03           03/01/03          0
    3303044                              N            02/01/33
    0

    8383887          J95/G01             F          240,000.00         ZZ
                                         360        239,642.65          1
                                       7.500          1,678.12        107
                                       7.250          1,678.12
    TIGARD           OR   97224          5            12/23/02         23
    0435283080                           05           02/01/03          0
    0040875585                           O            01/01/33
    0

    8383941          P27/G01             F          201,700.00         ZZ
                                         360        201,557.65          1
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    0435314885                           05           03/01/03          0
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    0

    8383945          K15/G01             F           92,100.00         ZZ
                                         360         92,001.59          2
                                       9.125            749.36        103
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    050100112795                         O            01/01/33
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    8383949          X67/G01             F          133,000.00         ZZ
                                         360        132,838.29          1
1

                                       8.500          1,022.65         95
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    NORWOOD          MA   02062          1            12/31/02         23
    0435285242                           01           02/01/03          0
    00241430                             N            01/01/33
    0

    8383967          W40/G01             F           87,550.00         ZZ
                                         360         87,510.22          1
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                                         360        242,660.55          1
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    0

    8383973          477/G01             F          203,500.00         ZZ
                                         360        203,345.16          1
                                       7.375          1,405.52        105
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    0435297353                           05           03/01/03          0
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    0

    8384001          477/G01             F          304,950.00         ZZ
                                         360        304,723.69          1
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    0

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                                         360        249,823.54          1
                                       7.750          1,791.04        100
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1

    1000203445                           O            02/01/33
    0

    8384061          950/G01             F          122,050.00         ZZ
                                         360        121,974.14          1
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    0

    8384215          U05/G01             F           56,000.00         ZZ
                                         360         55,961.46          1
                                       7.875            406.04        100
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    0435281746                           05           03/01/03          0
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    0

    8384233          964/G01             F          119,995.00         ZZ
                                         360        119,925.96          1
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    0

    8384251          W17/G01             F          120,500.00         ZZ
                                         360        120,439.15          1
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    0

    8384253          U05/G01             F          154,500.00         ZZ
                                         360        154,385.34          1
                                       7.500          1,080.29        103
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    OXON HILL        MD   20745          5            01/13/03         23
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    0

1

    8384275          U05/G01             F          226,600.00         ZZ
                                         360        226,351.53          1
                                       9.000          1,823.27        103
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    3286748                              O            01/01/33
    0

    8384433          F89/G01             F          200,850.00         ZZ
                                         360        200,625.44          1
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    0

    8384499          U35/G01             F           80,340.00         ZZ
                                         360         80,296.12          1
                                       9.000            646.43        103
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    0

    8384563          U35/G01             F          123,050.00         ZZ
                                         360        122,953.66          1
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    0

    8384573          U05/G01             F          130,000.00         ZZ
                                         360        129,820.49          2
                                       7.875            942.59        100
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    0435281217                           05           02/01/03          0
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    0

    8384899          U19/G01             F          610,000.00         ZZ
                                         360        609,569.47          1
                                       7.750          4,370.11         97
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1

    SAN DIEGO        CA   92109          1            01/02/03         23
    0435297270                           01           03/01/03          0
    11000183                             O            02/01/33
    0

    8384911          964/G01             F          165,000.00         ZZ
                                         360        164,880.58          1
                                       7.625          1,167.86        104
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    0435279997                           05           03/01/03          0
    338625                               O            02/01/33
    0

    8384943          B57/G01             F          230,450.00         ZZ
                                         360        230,270.22          1
                                       7.250          1,572.08        100
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    10007500                             O            02/01/33
    0

    8384975          T29/G01             F           56,442.50         ZZ
                                         360         56,328.11          1
                                       8.000            414.16        107
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    MESQUITE         TX   75149          1            11/26/02         23
    0435284948                           05           01/01/03          0
    1521754                              O            12/01/32
    0

    8385025          B39/G01             F          272,300.00         ZZ
                                         360        272,147.35          1
                                       8.875          2,166.54        100
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    0435289194                           05           03/01/03          0
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    0

    8385101          U35/G01             F          194,400.00         ZZ
                                         360        194,266.22          1
                                       7.875          1,409.53        106
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    HOLMEN           WI   54636          1            01/21/03         23
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    0
1

    8385221          Q14/G01             F          165,000.00         ZZ
                                         360        164,886.45          1
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    PHOENIX          AZ   85022          1            01/16/03         23
    0435286331                           03           03/01/03          0
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    0

    8385469          M24/G01             F          151,000.00         ZZ
                                         360        150,921.72          1
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    COLUMBUS         OH   43235          5            01/15/03         23
    0435302401                           05           03/01/03          0
    800107302                            O            02/01/33
    0

    8385493          737/G01             F          127,300.00         ZZ
                                         360        127,212.40          1
                                       7.875            923.01         95
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    ROWLETT          TX   75088          1            01/15/03         23
    0435286471                           05           03/01/03          0
    2103237                              N            02/01/33
    0

    8385501          J95/G01             F          221,700.00         ZZ
                                         360        221,361.56          1
                                       7.375          1,531.23        103
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    0435280474                           05           02/01/03          0
    40901621                             O            01/01/33
    0

    8385547          E65/G01             F           66,847.00         ZZ
                                         360         66,809.53          1
                                       8.875            531.86        103
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    WYOMING          MI   49548          1            01/14/03         23
    0435288972                           05           03/01/03          0
    255766                               O            02/01/33
    0

    8385583          E65/G01             F           62,700.00         ZZ
                                         360         62,621.77          1
1

                                       8.375            476.57         95
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    HAZEL PARK       MI   48030          1            01/06/03         23
    0435290291                           05           02/01/03          0
    000001566                            N            01/01/33
    0

    8386277          E22/G01             F          140,300.00         ZZ
                                         360        140,203.45          1
                                       7.875          1,017.27        104
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    0415424050                           09           03/01/03          0
    0415424050                           O            02/01/33
    0

    8386291          E22/G01             F          107,302.00         ZZ
                                         360        107,235.31          1
                                       8.375            815.57         95
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    HERMISTON        OR   97838          1            01/14/03         23
    0415559806                           05           03/01/03          0
    0415559806                           N            02/01/33
    0

    8386313          E22/G01             F          163,885.00         ZZ
                                         360        163,766.38          1
                                       7.625          1,159.97        107
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    0415819408                           05           03/01/03          0
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    0

    8386315          E22/G01             F          157,000.00         ZZ
                                         360        156,920.71          1
                                       9.375          1,305.85        100
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    0415826700                           05           03/01/03          0
    0415826700                           O            02/01/33
    0

    8386319          E22/G01             F          126,805.00         ZZ
                                         360        126,713.22          1
                                       7.625            897.52        103
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    0415832070                           05           03/01/03          0
1

    0415832070                           O            02/01/33
    0

    8386343          E22/G01             F          119,995.00         ZZ
                                         360        119,922.30          1
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    CONCORD          NC   28027          1            01/24/03         23
    0415874106                           05           03/01/03          0
    0415874106                           O            02/01/33
    0

    8386369          E22/G01             F           87,400.00         ZZ
                                         360         87,345.68          1
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    FAIRBURN         GA   30213          1            01/24/03         23
    0415936277                           05           03/01/03          0
    0415936277                           N            02/01/33
    0

    8386371          E22/G01             F           77,900.00         ZZ
                                         360         77,847.73          1
                                       8.000            571.60         95
                                       7.750            571.60
    KANSAS CITY      MO   64131          1            01/24/03         23
    0415937432                           05           03/01/03          0
    0415937432                           N            02/01/33
    0

    8386377          E22/G01             F          282,000.00         ZZ
                                         360        281,795.90          1
                                       7.625          1,995.98        105
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    0415955558                           03           03/01/03          0
    0415955558                           O            02/01/33
    0

    8386379          E22/G01             F          202,230.00         ZZ
                                         360        202,079.92          1
                                       7.500          1,414.02        107
                                       7.000          1,414.02
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    0415955673                           05           03/01/03          0
    0415955673                           O            02/01/33
    0

1

    8386389          E22/G01             F          113,500.00         ZZ
                                         360        113,421.89          1
                                       7.875            822.95         95
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    ST. HELENS       OR   97051          1            01/16/03         23
    0415685577                           09           03/01/03          0
    0415685577                           N            02/01/33
    0

    8386393          E22/G01             F          363,800.00         ZZ
                                         360        363,568.02          1
                                       8.250          2,733.11        107
                                       8.000          2,733.11
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    0415718170                           05           03/01/03          0
    0415718170                           O            02/01/33
    0

    8386413          E22/G01             F          161,600.00         ZZ
                                         360        161,488.79          1
                                       7.875          1,171.71        105
                                       7.625          1,171.71
    EUGENE           OR   97405          1            01/13/03         23
    0415767268                           05           03/01/03          0
    0415767268                           O            02/01/33
    0

    8387067          W40/G01             F          155,000.00         ZZ
                                         360        154,890.60          1
                                       7.750          1,110.44        100
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    CHANDLER         AZ   85225          1            01/27/03         23
    0435289400                           03           03/01/03          0
    100016918                            O            02/01/33
    0

    8387099          808/G01             F           98,800.00         ZZ
                                         360         98,728.48          1
                                       7.625            699.31        107
                                       7.375            699.31
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    0435288956                           01           03/01/03          0
    9506004                              O            02/01/33
    0

    8387133          U96/G01             F          347,100.00         ZZ
                                         360        346,855.02          1
                                       7.750          2,486.67        103
                                       7.500          2,486.67
1

    MILILANI         HI   96789          1            01/21/03         23
    0435303672                           09           03/01/03          0
    21200280                             O            02/01/33
    0

    8387141          U85/G01             F           61,760.00         ZZ
                                         360         61,646.96          1
                                       8.500            474.88         95
                                       8.250            474.88
    MILWAUKEE        WI   53215          1            11/13/02         23
    0435285770                           05           01/01/03          0
    1                                    O            12/01/32
    0

    8387151          477/G01             F          146,262.00         ZZ
                                         360        146,161.34          1
                                       7.875          1,060.50         96
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    0435289848                           05           03/01/03          0
    258114                               O            02/01/33
    0

    8387193          J95/G01             F          126,300.00         ZZ
                                         360        126,223.48          1
                                       8.500            971.14        103
                                       8.250            971.14
    ST LOUIS         MO   63125          2            01/06/03         23
    0435280631                           05           03/01/03          0
    0040891459                           O            02/01/33
    0

    8387223          M45/G01             F          124,000.00         ZZ
                                         360        123,853.05          1
                                       8.625            964.46        102
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    WOODBRIDGE       VA   22191          1            12/23/02         23
    0435337290                           01           02/01/03          0
    A0407843                             O            01/01/33
    0

    8387231          M45/G01             F          160,680.00         ZZ
                                         360        160,434.71          1
                                       7.375          1,109.78        103
                                       7.125          1,109.78
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    0435291281                           05           02/01/03          0
    A0401769                             O            01/01/33
    0
1

    8387297          W53/G01             F          134,800.00         ZZ
                                         360        134,505.83          1
                                       7.625            954.11         95
                                       7.375            954.11
    DECATUR          GA   30032          1            12/06/02         23
    0435300181                           05           01/01/03          0
    1304001735                           N            12/01/32
    0

    8387311          M45/G01             F          174,585.00         ZZ
                                         360        174,417.05          1
                                       9.625          1,483.96        103
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    0435291299                           05           02/01/03          0
    A0404550                             O            01/01/33
    0

    8387351          588/G01             F          216,300.00         ZZ
                                         360        215,993.69          1
                                       7.750          1,549.60        103
                                       7.500          1,549.60
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    0435290044                           01           02/01/03          0
    1083117                              O            01/01/33
    0

    8387413          642/G01             F          144,000.00         ZZ
                                         360        143,900.90          1
                                       7.875          1,044.10         99
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    0435289723                           05           03/01/03          0
    12135402                             O            02/01/33
    0

    8387419          642/G01             F          113,420.00         ZZ
                                         360        113,339.95          1
                                       7.750            812.55        107
                                       7.500            812.55
    MORGANTOWN       IN   46160          2            01/17/03         23
    0435287412                           05           03/01/03          0
    11243602                             O            02/01/33
    0

    8387443          X67/G01             F          250,000.00         ZZ
                                         360        249,645.96          1
1

                                       7.750          1,791.03        100
                                       7.500          1,791.03
    SANTA FE SPRING  CA   90670          1            12/24/02         23
    0435287115                           05           02/01/03          0
    00282374                             O            01/01/33
    0

    8387445          642/G01             F           63,900.00         ZZ
                                         360         63,853.75          2
                                       7.625            452.28        100
                                       7.375            452.28
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    0435289335                           05           03/01/03          0
    01117403                             O            02/01/33
    0

    8387463          964/G01             F          249,950.00         ZZ
                                         360        249,773.59          1
                                       7.750          1,790.67        101
                                       7.500          1,790.67
    AUBURN           CA   95603          1            01/14/03         23
    0435287610                           05           03/01/03          0
    322224                               O            02/01/33
    0

    8387493          964/G01             F          299,600.00         ZZ
                                         360        299,388.55          1
                                       7.750          2,146.37        107
                                       7.500          2,146.37
    CATHEDRAL CITY   CA   92234          1            01/13/03         23
    0435289046                           05           03/01/03          0
    312239                               O            02/01/33
    0

    8387497          588/G01             F          167,950.00         ZZ
                                         360        167,687.17          1
                                       7.250          1,145.72        107
                                       7.000          1,145.72
    ABINGTON TOWNSH  PA   19038          1            12/20/02         23
    0435291216                           05           02/01/03          0
    00010835097                          O            01/01/33
    0

    8387499          964/G01             F          214,750.00         ZZ
                                         360        214,598.43          1
                                       7.750          1,538.50        103
                                       7.500          1,538.50
    PORTLAND         OR   97206          1            01/09/03         23
    0435290176                           05           03/01/03          0
1

    276208                               O            02/01/33
    0

    8387505          P29/G01             F          144,200.00         ZZ
                                         180        144,129.07          1
                                       9.500          1,212.51        103
                                       9.250          1,212.51
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    0435293725                           05           03/01/03          0
    10633143                             O            02/01/18
    0

    8387509          588/G01             F          131,000.00         ZZ
                                         360        130,809.77          1
                                       7.625            927.21        107
                                       7.375            927.21
    BURLINGTON       NJ   08016          1            12/16/02         23
    0435289541                           05           02/01/03          0
    00010805082                          O            01/01/33
    0

    8387535          W47/G01             F          200,747.00         ZZ
                                         180        200,568.64          1
                                      10.000          1,761.70        103
                                       9.750          1,761.70
    CHICAGO          IL   60634          1            01/06/03         23
    0435286323                           05           02/06/03          0
    WH021203                             O            01/06/18
    0

    8387537          U19/G01             F          264,710.00         ZZ
                                         360        264,490.26          1
                                       9.375          2,201.72        103
                                       9.125          2,201.72
    GILBERT          AZ   85296          5            01/02/03         23
    0435291414                           03           03/01/03          0
    11002119                             O            02/01/33
    0

    8387543          588/G01             F          164,000.00         ZZ
                                         360        163,650.50          1
                                       7.750          1,174.92        103
                                       7.500          1,174.92
    BRISTOL TOWMSHI  PA   19057          1            11/27/02         23
    0435291968                           05           01/01/03          0
    00010801610                          O            12/01/32
    0

1

    8387545          P57/G01             F           68,480.00         ZZ
                                         180         68,320.35          1
                                       7.300            469.48        107
                                       7.050            469.48
    DETROIT          MI   48223          1            12/12/02         23
    0435285143                           05           01/12/03          0
    201912                               O            12/12/17
    0

    8387577          X67/G01             F          289,430.00         ZZ
                                         360        288,977.08          1
                                       7.250          1,974.42        103
                                       7.000          1,974.42
    FAIRFIELD        CA   94533          1            12/09/02         23
    0435287883                           05           02/01/03          0
    00281581                             O            01/01/33
    0

    8387585          E57/G01             F          180,000.00         ZZ
                                         360        179,866.41          1
                                       7.500          1,258.59        105
                                       7.250          1,258.59
    YUCAIPA          CA   92399          1            01/16/03         23
    0435285986                           05           03/01/03          0
    06013362                             O            02/01/33
    0

    8387663          X67/G01             F          300,000.00         ZZ
                                         360        299,585.73          1
                                       7.875          2,175.21        100
                                       7.625          2,175.21
    ANAHEIM          CA   92805          1            12/27/02         23
    0435287768                           05           02/01/03          0
    00281682                             O            01/01/33
    0

    8387667          U35/G01             F           39,900.00         ZZ
                                         360         39,874.55          2
                                       8.250            299.76         95
                                       8.000            299.76
    HAMMOND          IN   46320          1            01/24/03         23
    0435305438                           05           03/01/03          0
    10626461                             N            02/01/33
    0

    8387695          U96/G01             F          176,300.00         ZZ
                                         360        176,165.85          1
                                       7.375          1,217.66        107
                                       7.125          1,217.66
1

    KAPAAU           HI   96755          1            01/13/03         23
    0435312806                           01           03/01/03          0
    30100298                             O            02/01/33
    0

    8387723          M50/G01             F           71,155.00         ZZ
                                         180         71,109.17          1
                                       8.200            532.06         95
                                       7.950            532.06
    SPRING HILL      FL   34608          1            01/16/03         23
    0435393426                           05           03/01/03          0
    2510899                              N            02/01/18
    0

    8387737          M50/G01             F          104,500.00         ZZ
                                         180        104,431.64          2
                                       8.125            775.91         95
                                       7.875            775.91
    MIAMI            FL   33127          1            01/10/03         23
    0435299805                           05           03/01/03          0
    2511028                              N            02/01/18
    0

    8387747          W53/G01             F          136,850.00         ZZ
                                         360        136,661.02          1
                                       7.875            992.26         95
                                       7.625            992.26
    DECATUR          GA   30035          1            12/13/02         23
    0435291521                           05           02/01/03          0
    1304001769                           N            01/01/33
    0

    8387773          K15/G01             F           98,400.00         ZZ
                                         360         98,280.36          1
                                       8.500            756.61        107
                                       8.250            756.61
    MT. WOLF         PA   17347          2            12/17/02         23
    0435284658                           05           02/01/03          0
    052700112676                         O            01/01/33
    0

    8388131          W53/G01             F          134,300.00         ZZ
                                         360        134,104.97          1
                                       7.625            950.57         95
                                       7.375            950.57
    DECATUR          GA   30035          1            12/06/02         23
    0435291885                           05           02/01/03          0
    1304001683                           N            01/01/33
    0
1

    8388235          U05/G01             F          133,750.00         ZZ
                                         360        133,655.60          1
                                       7.750            958.20        107
                                       7.500            958.20
    BEL AIR          MD   21014          5            01/17/03         23
    0435292131                           09           03/01/03          0
    3293947                              O            02/01/33
    0

    8388331          U05/G01             F          305,500.00         ZZ
                                         360        305,310.12          1
                                       8.375          2,322.02        107
                                       8.125          2,322.02
    SAYREVILLE       NJ   08859          5            01/15/03         23
    0435322631                           05           03/01/03          0
    3300302                              O            02/01/33
    0

    8388453          624/G01             F          136,500.00         ZZ
                                         360        136,396.14          1
                                       7.375            942.77        106
                                       7.125            942.77
    SANTA ANA        CA   92701          1            01/15/03         23
    0435289756                           01           03/01/03          0
    1000020492                           O            02/01/33
    0

    8388597          X67/G01             F           89,095.00         ZZ
                                         360         89,045.05          1
                                       8.875            708.88        103
                                       8.625            708.88
    SUTHERLAND       VA   23885          1            01/13/03         23
    0435296223                           05           03/01/03          0
    00241350                             O            02/01/33
    0

    8388903          808/G01             F          133,900.00         ZZ
                                         360        133,795.54          1
                                       7.250            913.44        103
                                       7.000            913.44
    MODESTO          CA   95356          1            01/08/03         23
    0435288873                           01           03/01/03          0
    9429638                              O            02/01/33
    0

    8388913          K15/G01             F          195,500.00         ZZ
                                         360        195,358.50          1
1

                                       7.625          1,383.74         98
                                       7.375          1,383.74
    WINDSOR LOCKS    CT   06096          5            01/10/03         23
    0435287271                           05           03/01/03          0
    037905505583                         O            02/01/33
    0

    8388941          808/G01             F          272,000.00         ZZ
                                         360        271,787.81          1
                                       7.250          1,855.52        100
                                       7.000          1,855.52
    VAN NUYS AREA    CA   91406          1            01/09/03         23
    0435289228                           05           03/01/03          0
    9506156                              O            02/01/33
    0

    8389129          808/G01             F          100,050.00         ZZ
                                         360         99,977.58          1
                                       7.625            708.15        105
                                       7.375            708.15
    BAKERSFIELD      CA   93304          1            01/09/03         23
    0435288907                           05           03/01/03          0
    9429636                              O            02/01/33
    0

    8389255          K15/G01             F          128,900.00         ZZ
                                         360        128,722.01          1
                                       7.875            934.61        100
                                       7.625            934.61
    JACKSONVILLE     FL   32220          1            12/19/02         23
    0435287909                           03           02/01/03          0
    050300112847                         O            01/01/33
    0

    8389329          K15/G01             F          152,000.00         ZZ
                                         360        151,773.69          1
                                       7.750          1,088.95        104
                                       7.500          1,088.95
    ORANGE PARK      FL   32003          2            12/26/02         23
    0435284054                           05           02/01/03          0
    050300113017                         O            01/01/33
    0

    8389413          K15/G01             F          144,200.00         ZZ
                                         360        144,125.24          1
                                       9.250          1,186.30        103
                                       9.000          1,186.30
    STOCKTON         CA   95205          1            01/02/03         23
    0435284450                           05           03/01/03          0
1

    044700112691                         O            02/01/33
    0

    8389955          W53/G01             F          144,950.00         ZZ
                                         360        144,633.26          1
                                       7.625          1,025.95         95
                                       7.375          1,025.95
    DECATUR          GA   30033          1            11/27/02         23
    0435423025                           03           01/01/03          0
    1304001724                           N            12/01/32
    0

    8392751          E22/G01             F           38,625.00         ZZ
                                         360         38,606.49          1
                                       9.625            328.31        103
                                       9.375            328.31
    GADSDEN          AL   35904          1            01/27/03         23
    0415497429                           05           03/01/03          0
    0415497429                           O            02/01/33
    0

    8392777          E22/G01             F          153,400.00         ZZ
                                         360        153,311.74          1
                                       8.750          1,206.80         99
                                       8.500          1,206.80
    OMAHA            NE   68118          2            01/22/03         23
    0415648955                           05           03/01/03          0
    0415648955                           O            02/01/33
    0

    8392875          E22/G01             F          112,600.00         ZZ
                                         360        112,538.49          1
                                       9.000            906.01         98
                                       8.500            906.01
    MILTONA          MN   56354          5            01/21/03         23
    0415776434                           05           03/01/03          0
    0415776434                           O            02/01/33
    0

    8392907          E22/G01             F           95,650.00         ZZ
                                         360         95,582.49          1
                                       7.750            685.25        103
                                       7.500            685.25
    SUMRALL          MS   39482          1            01/27/03         23
    0415802925                           05           03/01/03          0
    0415802925                           O            02/01/33
    0

1

    8392939          E22/G01             F          136,960.00         ZZ
                                         360        136,860.88          1
                                       7.625            969.39        107
                                       7.375            969.39
    LANCASTER        OH   43130          2            01/22/03         23
    0415825553                           05           03/01/03          0
    0415825553                           O            02/01/33
    0

    8393007          E22/G01             F           93,000.00         ZZ
                                         360         92,932.69          1
                                       7.625            658.25        104
                                       7.375            658.25
    NORTH CHARLESTO  SC   29406          1            01/27/03         23
    0415898527                           01           03/01/03          0
    0415898527                           O            02/01/33
    0

    8393017          E22/G01             F          112,270.00         ZZ
                                         360        112,213.30          1
                                       9.375            933.81        103
                                       9.125            933.81
    BAKERSFIELD      CA   93309          1            01/17/03         23
    0415914597                           05           03/01/03          0
    0415914597                           O            02/01/33
    0

    8393027          E22/G01             F          199,408.00         ZZ
                                         360        199,287.20          1
                                       8.500          1,533.27        103
                                       8.000          1,533.27
    KETCHIKAN        AK   99901          1            01/15/03         23
    0415926492                           05           03/01/03          0
    0415926492                           O            02/01/33
    0

    8393047          E22/G01             F          149,900.00         ZZ
                                         360        149,135.91          1
                                       9.000          1,206.13        100
                                       8.500          1,206.13
    GLEN CARBON      IL   62034          1            01/27/03         23
    0415995398                           05           03/01/03          0
    0415995398                           O            02/01/33
    0

    8393455          B57/G01             F          125,812.00         ZZ
                                         360        125,716.27          1
                                       7.375            868.95        107
                                       7.125            868.95
1

    SURPRISE         AZ   85374          1            01/09/03         23
    0435296595                           05           03/01/03          0
    20001007                             O            02/01/33
    0

    8393493          313/G01             F          101,000.00         ZZ
                                         360        100,923.14          1
                                       7.375            697.59        107
                                       7.125            697.59
    COLVILLE         WA   99114          1            01/13/03         23
    0435297619                           05           03/01/03          0
    0009250341                           O            02/01/33
    0

    8393557          F64/G01             F          178,200.00         ZZ
                                         360        177,999.46          1
                                       8.875          1,417.84         99
                                       8.625          1,417.84
    CHRISTIANSBURG   VA   24073          5            11/26/02         23
    0435314695                           05           02/01/03          0
    00004254                             O            01/01/33
    0

    8393661          964/G01             F          107,800.00         ZZ
                                         360        107,622.54          1
                                       7.250            735.39        104
                                       7.000            735.39
    FERNLEY          NV   89408          1            01/17/03         23
    0435292875                           05           03/01/03          0
    334136                               O            02/01/33
    0

    8393827          H76/G01             F          132,200.00         ZZ
                                         360        132,123.94          1
                                       8.750          1,040.02        102
                                       8.500          1,040.02
    GRAND JUNCTION   CO   81504          5            01/23/03         23
    0435295779                           03           03/01/03          0
    2002461146                           O            02/01/33
    0

    8393837          N67/G01             F          167,900.00         ZZ
                                         360        167,778.47          1
                                       7.625          1,188.39        100
                                       7.375          1,188.39
    CHANDLER         AZ   85224          1            01/16/03         23
    0435351739                           03           03/01/03          0
    1781004892                           O            02/01/33
    0
1

    8393851          H76/G01             F          223,630.00         ZZ
                                         360        223,445.70          1
                                       7.875          1,621.48        107
                                       7.625          1,621.48
    LUSBY            MD   20657          5            01/22/03         23
    0435294749                           03           03/01/03          0
    2002465313                           O            02/01/33
    0

    8393999          Q78/G01             F          125,200.00         ZZ
                                         360        125,127.81          1
                                       8.740            984.06        102
                                       8.490            984.06
    SANDY            UT   84094          5            01/22/03         23
    0435293907                           05           03/01/03          0
    722472                               O            02/01/33
    0

    8394019          Q78/G01             F          105,600.00         ZZ
                                         360        105,529.00          1
                                       7.990            774.12        104
                                       7.740            774.12
    INDIANAPOLIS     IN   46234          2            01/22/03         23
    0435291612                           05           03/01/03          0
    722713                               O            02/01/33
    0

    8394023          W40/G01             F          152,440.00         ZZ
                                         360        152,354.54          1
                                       8.875          1,212.88        103
                                       8.625          1,212.88
    ST CLAIR SHORES  MI   48080          5            01/22/03         23
    0435298005                           05           03/01/03          0
    100011271                            O            02/01/33
    0

    8394027          Q78/G01             F          145,000.00         ZZ
                                         360        144,918.71          1
                                       8.875          1,153.69        100
                                       8.625          1,153.69
    TAYLORS          SC   29687          2            01/16/03         23
    0435291554                           05           03/01/03          0
    720400                               O            02/01/33
    0

    8394037          Q78/G01             F          149,000.00         ZZ
                                         360        148,894.83          1
1

                                       7.750          1,067.46        107
                                       7.500          1,067.46
    TOLEDO           OH   43614          5            01/18/03         23
    0435293873                           05           03/01/03          0
    721832                               O            02/01/33
    0

    8394063          W02/G01             F          132,800.00         ZZ
                                         360        132,716.17          1
                                       8.300          1,002.36        103
                                       8.050          1,002.36
    ORLANDO          FL   32810          5            01/14/03         23
    0435325683                           05           03/01/03          0
    1001905736                           O            02/01/33
    0

    8394091          K15/G01             F          300,000.00         ZZ
                                         360        299,695.82          1
                                       9.375          2,495.25        103
                                       9.125          2,495.25
    PITTSBURGH       PA   15232          1            12/31/02         23
    0435290226                           05           02/01/03          0
    046600113118                         O            01/01/33
    0

    8394095          S54/G01             F          162,300.00         ZZ
                                         180        161,782.36          1
                                       6.875          1,447.48         99
                                       6.625          1,447.48
    LAFAYETTE        IN   47909          2            01/24/03         23
    0435338157                           05           03/01/03          0
    7685136                              O            02/01/18
    0

    8394103          W02/G01             F          111,240.00         ZZ
                                         360        111,178.98          1
                                       8.980            893.47        103
                                       8.730            893.47
    JACKSONVILLE     FL   32277          5            01/15/03         23
    0435328224                           05           03/01/03          0
    1001935254                           O            02/01/33
    0

    8394109          532/G01             F          400,000.00         ZZ
                                         360        399,710.50          1
                                       7.625          2,831.17        106
                                       7.375          2,831.17
    JACKSONVILLE     OR   97530          5            01/15/03         23
    0435297205                           05           03/01/03          0
1

    PF03071                              O            02/01/33
    0

    8394115          E86/G01             F          146,400.00         ZZ
                                         180        146,187.41          1
                                       7.625          1,036.21        107
                                       7.375          1,036.21
    ELGIN            IL   60123          5            12/31/02         23
    0435287156                           09           02/01/03          0
    0000228102                           O            01/01/18
    0

    8394121          W02/G01             F          149,100.00         ZZ
                                         360        148,984.37          1
                                       7.280          1,020.17        101
                                       7.030          1,020.17
    JACKSONVILLE     FL   32225          5            01/15/03         23
    0435328398                           05           03/01/03          0
    1001946722                           O            02/01/33
    0

    8394129          W02/G01             F          185,400.00         ZZ
                                         360        185,314.03          1
                                       9.780          1,596.96        103
                                       9.280          1,596.96
    OCALA            FL   34472          5            01/16/03         23
    0435312970                           05           03/01/03          0
    1001918185                           O            02/01/33
    0

    8394231          642/G01             F          169,000.00         ZZ
                                         360        168,883.69          1
                                       7.875          1,225.37        107
                                       7.625          1,225.37
    SUITLAND         MD   20746          5            01/16/03         23
    0435291562                           05           03/01/03          0
    12118002                             O            02/01/33
    0

    8394251          R84/G01             F          156,550.00         ZZ
                                         360        156,369.20          1
                                       8.750          1,231.58        103
                                       8.500          1,231.58
    TACOMA           WA   98409          1            12/23/02         23
    0435332515                           05           02/01/03          0
    WA102691                             O            01/01/33
    0

1

    8394253          408/G01             F          176,985.00         ZZ
                                         360        176,740.58          1
                                       7.875          1,283.27        100
                                       7.625          1,283.27
    LEES SUMMIT      MO   64081          1            12/30/02         23
    0435302633                           05           02/01/03          0
    703030948                            O            01/01/33
    0

    8394267          Q64/G01             F           60,300.00         ZZ
                                         360         60,260.55          1
                                       8.125            447.73         95
                                       7.875            447.73
    JONESBORO        GA   30236          1            01/16/03         23
    0435301742                           05           03/01/03          0
    0105824007                           N            02/01/33
    0

    8394269          W02/G01             F           92,700.00         ZZ
                                         360         92,642.43          1
                                       8.380            704.92        103
                                       8.130            704.92
    PANAMA CITY      FL   32405          5            01/17/03         23
    0435325485                           05           03/01/03          0
    1001848382                           O            02/01/33
    0

    8394411          U85/G01             F           81,375.00         ZZ
                                         360         81,253.83          1
                                       7.500            568.99        105
                                       7.250            568.99
    MILWAUKEE        WI   53215          1            01/13/03         23
    0435294061                           05           02/01/03          0
    RAMIREZ                              O            01/01/33
    0

    8394453          J95/G01             F          169,200.00         ZZ
                                         360        169,083.46          1
                                       7.875          1,226.82        107
                                       7.625          1,226.82
    INDEPENDENCE     MO   64058          1            01/08/03         23
    0435284898                           05           03/01/03          0
    0040922601                           O            02/01/33
    0

    8394519          K15/G01             F           78,200.00         ZZ
                                         180         77,971.50          1
                                       7.875            741.69        104
                                       7.625            741.69
1

    AMELIA           LA   70340          2            01/21/03         23
    0435289616                           05           03/01/03          0
    0002509574                           O            02/01/18
    0

    8394589          313/G01             F          206,150.00         ZZ
                                         180        206,021.87          2
                                       8.375          1,566.89         95
                                       8.125          1,566.89
    TAUNTON          MA   02780          1            01/21/03         23
    0435366752                           05           03/01/03          0
    0009215666                           N            02/01/18
    0

    8394621          X91/G01             F          170,100.00         ZZ
                                         360        169,970.57          1
                                       7.375          1,174.84        107
                                       7.125          1,174.84
    WAIPAHU          HI   96797          1            01/21/03         23
    0435316633                           01           03/01/03          0
    803596                               O            02/01/33
    0

    8395187          E22/G01             F          123,600.00         ZZ
                                         360        123,560.50          1
                                      11.500          1,224.00        103
                                      11.000          1,224.00
    RUSSELLVILLE     AL   35654          5            01/23/03         23
    0415595826                           05           03/01/03          0
    0415595826                           O            02/01/33
    0

    8395189          E22/G01             F          155,150.00         ZZ
                                         360        154,791.53          1
                                       7.375          1,071.58        107
                                       6.875          1,071.58
    PORTLAND         OR   97236          5            01/22/03         23
    0415598689                           05           03/01/03          0
    0415598689                           O            02/01/33
    0

    8395191          E22/G01             F          236,600.00         ZZ
                                         360        236,467.35          1
                                       8.875          1,882.50         99
                                       8.375          1,882.50
    TUSCUMBIA        AL   35674          2            01/23/03         23
    0415603158                           05           03/01/03          0
    0415603158                           O            02/01/33
    0
1

    8395195          E22/G01             F          131,175.00         ZZ
                                         360        131,103.35          1
                                       9.000          1,055.46         99
                                       8.500          1,055.46
    LINCOLN          NE   68521          5            01/23/03         23
    0415614122                           05           03/01/03          0
    0415614122                           O            02/01/33
    0

    8395205          E22/G01             F          124,000.00         ZZ
                                         360        123,930.48          1
                                       8.875            986.60        100
                                       8.375            986.60
    ELKHART          IN   46517          1            01/28/03         23
    0415664408                           05           03/01/03          0
    0415664408                           O            02/01/33
    0

    8395239          E22/G01             F          207,000.00         ZZ
                                         360        206,857.55          1
                                       7.875          1,500.89        103
                                       7.375          1,500.89
    PHOENIX          AZ   85012          1            01/24/03         23
    0415744713                           05           03/01/03          0
    0415744713                           O            02/01/33
    0

    8395267          E22/G01             F           77,100.00         ZZ
                                         360         77,052.07          1
                                       8.375            586.02         95
                                       8.125            586.02
    RENO             NV   89506          1            01/16/03         23
    0415782242                           07           03/01/03          0
    0415782242                           N            02/01/33
    0

    8395333          E22/G01             F          399,640.00         ZZ
                                         360        399,415.95          1
                                       8.875          3,179.72        100
                                       8.375          3,179.72
    DALY CITY        CA   94015          1            01/24/03         23
    0415861426                           01           03/01/03          0
    0415861426                           O            02/01/33
    0

    8395345          E22/G01             F          158,360.00         ZZ
                                         360        158,266.50          1
1

                                       8.625          1,231.71        107
                                       8.375          1,231.71
    MUSKEGON         MI   49442          5            01/23/03         23
    0415874486                           05           03/01/03          0
    0415874486                           O            02/01/33
    0

    8395355          E22/G01             F           61,875.00         ZZ
                                         360         61,840.31          1
                                       8.875            492.31         99
                                       8.375            492.31
    FLORENCE         AL   35630          5            01/23/03         23
    0415885805                           05           03/01/03          0
    0415885805                           O            02/01/33
    0

    8395363          E22/G01             F          106,500.00         ZZ
                                         360        106,433.80          1
                                       8.375            809.48         99
                                       7.875            809.48
    NORTH CHARLESTO  SC   29420          5            01/21/03         23
    0415890912                           05           03/01/03          0
    0415890912                           O            02/01/33
    0

    8395373          E22/G01             F           95,275.00         ZZ
                                         360         95,222.96          1
                                       9.000            766.60        103
                                       8.500            766.60
    GULFPORT         MS   39503          1            01/27/03         23
    0415909407                           05           03/01/03          0
    0415909407                           O            02/01/33
    0

    8395395          E22/G01             F          167,300.00         ZZ
                                         360        167,193.32          1
                                       8.250          1,256.87         99
                                       7.750          1,256.87
    RENO             NV   89506          5            01/18/03         23
    0415928092                           03           03/01/03          0
    0415928092                           O            02/01/33
    0

    8395731          K15/G01             F          133,900.00         ZZ
                                         360        133,814.61          1
                                       8.250          1,005.95        103
                                       8.000          1,005.95
    COLUMBUS         OH   43224          2            01/17/03         23
    0435294202                           05           03/01/03          0
1

    028205505254                         O            02/01/33
    0

    8395771          642/G01             F          297,700.00         ZZ
                                         360        297,473.47          1
                                       7.375          2,056.14        103
                                       7.125          2,056.14
    POWAY            CA   92064          1            01/16/03         23
    0435296413                           05           03/01/03          0
    11-1237-02                           O            02/01/33
    0

    8395773          588/G01             F          186,000.00         ZZ
                                         360        185,265.62          1
                                       7.625          1,316.50        106
                                       7.375          1,316.50
    LOWER MERION TO  PA   19072          1            10/31/02         23
    0435322128                           05           12/01/02          0
    1077818                              O            11/01/32
    0

    8395793          B57/G01             F          260,000.00         ZZ
                                         360        259,811.82          1
                                       7.625          1,840.26        100
                                       7.375          1,840.26
    BURBANK          CA   91504          1            01/17/03         23
    0435331780                           05           03/01/03          0
    10009043                             O            02/01/33
    0

    8395857          K15/G01             F          131,800.00         ZZ
                                         360        131,702.19          1
                                       7.500            921.56        107
                                       7.250            921.56
    LITTLE ROCK      AR   72211          1            01/21/03         23
    0435290481                           05           03/01/03          0
    038205505691                         O            02/01/33
    0

    8395869          588/G01             F          213,050.00         ZZ
                                         360        212,560.67          1
                                       7.375          1,471.48        104
                                       7.125          1,471.48
    ALEXANDRIA       VA   22312          1            11/19/02         23
    0435331525                           01           01/01/03          0
    1081754                              O            12/01/32
    0

1

    8395871          K15/G01             F          156,000.00         ZZ
                                         360        155,784.58          1
                                       7.875          1,131.11        106
                                       7.625          1,131.11
    LAS VEGAS        NV   89129          1            12/24/02         23
    0435291836                           05           02/01/03          0
    040200111851                         O            01/01/33
    0

    8395885          K15/G01             F          105,000.00         ZZ
                                         360        104,951.02          1
                                       9.750            902.11        103
                                       9.500            902.11
    DELTONA          FL   32738          5            01/06/03         23
    0435293741                           05           03/01/03          0
    042700113175                         O            02/01/33
    0

    8395891          K15/G01             F          118,400.00         ZZ
                                         360        118,336.99          1
                                       9.125            963.34        103
                                       8.875            963.34
    BENSON           NC   27504          5            01/10/03         23
    0435291752                           05           03/01/03          0
    017105509128                         O            02/01/33
    0

    8395895          U05/G01             F          263,293.00         ZZ
                                         360        263,152.88          1
                                       9.125          2,142.24        103
                                       8.875          2,142.24
    CROCKETT         CA   94524          1            01/06/03         23
    0435322730                           05           03/01/03          0
    3297280                              O            02/01/33
    0

    8395899          K15/G01             F          140,700.00         ZZ
                                         360        140,600.70          1
                                       7.750          1,007.99        107
                                       7.500          1,007.99
    FOUNTAIN         CO   80817          5            01/16/03         23
    0435291497                           05           03/01/03          0
    021805505816                         O            02/01/33
    0

    8395903          696/G01             F          109,450.00         ZZ
                                         360        109,376.56          1
                                       8.000            803.11        107
                                       7.750            803.11
1

    WASHINGTON       DC   20019          1            01/23/03         23
    0435284609                           05           03/01/03          0
    20202137                             O            02/01/33
    0

    8395909          K15/G01             F          154,400.00         ZZ
                                         360        154,212.27          1
                                       8.500          1,187.20        107
                                       8.250          1,187.20
    WILMINGTON       DE   19804          5            12/13/02         23
    0435294657                           05           02/01/03          0
    052000112572                         O            01/01/33
    0

    8396227          G27/G01             F           92,000.00         ZZ
                                         360         91,931.72          1
                                       7.500            643.28        106
                                       7.250            643.28
    SHAFTER          CA   93263          5            01/21/03         23
    0435316724                           05           03/01/03          0
    20302493                             O            02/01/33
    0

    8396511          642/G01             F          223,000.00         ZZ
                                         360        222,846.54          1
                                       7.875          1,616.90        107
                                       7.625          1,616.90
    SOUTH JORDAN     UT   84095          2            01/24/03         23
    0435296462                           05           03/01/03          0
    12212802                             O            02/01/33
    0

    8396791          J95/G01             F           91,650.00         ZZ
                                         360         91,594.48          1
                                       8.500            704.71        103
                                       8.250            704.71
    CHANDLER         AZ   85249          1            01/10/03         23
    0435292107                           03           03/01/03          0
    0041011750                           O            02/01/33
    0

    8396799          940/G01             F          199,950.00         ZZ
                                         360        199,801.61          1
                                       7.500          1,398.08        100
                                       7.250          1,398.08
    RIVERSIDE        CA   92505          1            01/16/03         23
    0435320304                           05           03/01/03          0
    40030018                             O            02/01/33
    0
1

    8396821          U05/G01             F          157,000.00         ZZ
                                         360        156,880.54          1
                                       7.375          1,084.36        106
                                       7.125          1,084.36
    COLFAX           CA   95713          1            01/07/03         23
    0435318167                           09           03/01/03          0
    3296457                              O            02/01/33
    0

    8396855          K15/G01             F          219,000.00         ZZ
                                         360        218,834.37          1
                                      10.750          2,044.32        101
                                      10.500          2,044.32
    SOUTH GATE       CA   90280          5            12/13/02         23
    0435300207                           05           02/01/03          0
    207205504802                         O            01/01/33
    0

    8396873          X81/G01             F          143,612.00         ZZ
                                         360        143,529.37          1
                                       8.750          1,129.80        103
                                       8.500          1,129.80
    HUGO             MN   55038          1            01/16/03         23
    0435297700                           01           03/01/03          0
    952897                               O            02/01/33
    0

    8396923          W34/G01             F          130,000.00         ZZ
                                         360        129,903.52          1
                                       7.500            908.98         97
                                       7.250            908.98
    MERRITT ISLAND   FL   32953          5            01/27/03         23
    0435315155                           05           03/01/03          0
    10660273                             O            02/01/33
    0

    8396927          950/G01             F          199,800.00         ZZ
                                         360        199,658.99          1
                                       7.750          1,431.39        104
                                       7.500          1,431.39
    PORTLAND         OK   97202          1            01/22/03         23
    0435301593                           05           03/01/03          0
    Y22C016                              O            02/01/33
    0

    8396985          B39/G01             F          157,000.00         ZZ
                                         360        156,916.45          1
1

                                       9.125          1,277.40        100
                                       8.875          1,277.40
    CHASKA           MN   55318          1            01/29/03         23
    0435302104                           09           03/01/03          0
    20030204F                            O            02/01/33
    0

    8397051          N67/G01             F          242,900.00         ZZ
                                         360        242,752.85          1
                                       8.500          1,867.69        103
                                       8.250          1,867.69
    HANAHAN          SC   29406          2            01/17/03         23
    0435306329                           03           03/01/03          0
    3254003808                           O            02/01/33
    0

    8397115          R17/G01             F          141,500.00         ZZ
                                         180        141,067.94          1
                                       7.375          1,301.70        103
                                       7.125          1,301.70
    PITTSBURGH       PA   15236          5            01/17/03         23
    0435430590                           05           03/01/03          0
    1000199089                           O            02/01/18
    0

    8397151          R84/G01             F          196,000.00         ZZ
                                         360        195,892.94          1
                                       9.000          1,577.06         97
                                       8.750          1,577.06
    LAS VEGAS        NV   89146          1            01/16/03         23
    0435303524                           05           03/01/03          0
    LVW5552                              O            02/01/33
    0

    8397153          R17/G01             F          341,550.00         ZZ
                                         360        341,290.11          1
                                       7.375          2,359.00        103
                                       7.125          2,359.00
    SAN DIEGO        CA   92126          1            01/09/03         23
    0435325634                           05           03/01/03          0
    1000194635                           O            02/01/33
    0

    8397179          S20/G01             F          120,500.00         ZZ
                                         360        120,430.68          1
                                       8.750            947.97        103
                                       8.500            947.97
    COLUMBIA         SC   29223          5            01/21/03         23
    0435314612                           05           03/01/03          0
1

    0300290                              O            02/01/33
    0

    8397235          964/G01             F          139,900.00         ZZ
                                         360        139,798.75          1
                                       7.625            990.20        100
                                       7.375            990.20
    SCOTTSDALE       AZ   85260          1            01/21/03         23
    0435292867                           01           03/01/03          0
    339958                               O            02/01/33
    0

    8397501          G52/G01             F          112,000.00         ZZ
                                         360        111,930.39          1
                                       8.375            851.28        100
                                       8.125            851.28
    PHOENIX          AZ   85023          1            01/22/03         23
    0435293782                           05           03/01/03          0
    6900005687                           O            02/01/33
    0

    8397547          147/G01             F           90,250.00         ZZ
                                         360         90,128.49          1
                                       8.000            662.22        107
                                       7.750            662.22
    MEMPHIS          TN   38118          5            12/17/02         23
    0435302443                           05           02/01/03          0
    10515880                             O            01/01/33
    0

    8397573          147/G01             F          154,500.00         ZZ
                                         360        154,326.14          1
                                       8.875          1,229.27        103
                                       8.625          1,229.27
    LAS VEGAS        NV   89121          5            12/13/02         23
    0435302526                           09           02/01/03          0
    10507700                             O            01/01/33
    0

    8398055          E22/G01             F          154,000.00         ZZ
                                         360        153,913.67          1
                                       8.875          1,225.29        100
                                       8.375          1,225.29
    LAS VEGAS        NV   89103          1            01/21/03         23
    0415474956                           05           03/01/03          0
    0415474956                           O            02/01/33
    0

1

    8398057          E22/G01             F          123,700.00         ZZ
                                         360        123,632.43          1
                                       9.000            995.32         99
                                       8.500            995.32
    EAST HAVEN       CT   06512          1            01/29/03         23
    0415514181                           05           03/01/03          0
    0415514181                           O            02/01/33
    0

    8398085          E22/G01             F          130,150.00         ZZ
                                         360        130,069.11          1
                                       8.375            989.23         95
                                       8.125            989.23
    HOLLYWOOD        FL   33020          1            01/29/03         23
    0415634633                           05           03/01/03          0
    0415634633                           N            02/01/33
    0

    8398091          E22/G01             F          199,305.00         ZZ
                                         360        199,198.94          1
                                       9.125          1,621.61        103
                                       8.625          1,621.61
    SEATAC           WA   98198          2            01/22/03         23
    0415667450                           05           03/01/03          0
    0415667450                           O            02/01/33
    0

    8398149          E22/G01             F           93,730.00         ZZ
                                         360         93,676.08          1
                                       8.750            737.37        103
                                       8.500            737.37
    ATTALLA          AL   35954          1            01/29/03         23
    0415868561                           05           03/01/03          0
    0415868561                           O            02/01/33
    0

    8398161          E22/G01             F          118,450.00         ZZ
                                         360        118,390.18          1
                                       9.375            985.21        103
                                       9.125            985.21
    DES PLAINES      IL   60016          5            01/23/03         23
    0415881770                           01           03/01/03          0
    0415881770                           O            02/01/33
    0

    8398163          E22/G01             F           87,050.00         ZZ
                                         360         86,990.10          1
                                       7.875            631.17         97
                                       7.625            631.17
1

    HARTSELLE        AL   35640          5            01/24/03         23
    0415886092                           05           03/01/03          0
    0415886092                           O            02/01/33
    0

    8398257          E22/G01             F          395,900.00         ZZ
                                         360        395,583.41          1
                                       7.125          2,667.25        107
                                       6.625          2,667.25
    SAN JOSE         CA   95123          1            01/21/03         23
    0415976414                           09           03/01/03          0
    0415976414                           O            02/01/33
    0

    8398343          E22/G01             F           33,250.00         ZZ
                                         360         33,229.34          1
                                       8.375            252.72         95
                                       8.125            252.72
    GRAND RAPIDS     MI   49504          1            01/29/03         23
    0415848563                           05           03/01/03          0
    0415848563                           N            02/01/33
    0

    8398379          E22/G01             F          281,378.00         ZZ
                                         360        281,174.34          1
                                       7.625          1,991.58        107
                                       7.375          1,991.58
    HAMPTON COVE     AL   35763          5            01/24/03         23
    0415919265                           03           03/01/03          0
    0415919265                           O            02/01/33
    0

    8398385          E22/G01             F          408,771.00         ZZ
                                         360        408,467.63          1
                                       7.500          2,858.19         99
                                       7.250          2,858.19
    TRACY            CA   95304          1            01/21/03         23
    0415921733                           05           03/01/03          0
    0415921733                           O            02/01/33
    0

    8398387          E22/G01             F          185,000.00         ZZ
                                         360        184,859.23          1
                                       7.375          1,277.75         98
                                       7.125          1,277.75
    ALABASTER        AL   35007          5            01/24/03         23
    0415922517                           05           03/01/03          0
    0415922517                           O            02/01/33
    0
1

    8398423          E22/G01             F          192,600.00         ZZ
                                         360        192,442.13          1
                                       7.000          1,281.37        107
                                       6.750          1,281.37
    LAGUNA NIGUEL    CA   92677          1            01/24/03         23
    0416032019                           01           03/01/03          0
    0416032019                           O            02/01/33
    0

    8398541          Q14/G01             F          380,600.00         ZZ
                                         360        380,344.62          1
                                       8.000          2,792.71        102
                                       7.750          2,792.71
    CAVE CREEK       AZ   85331          5            01/24/03         23
    0435295035                           05           03/01/03          0
    0000311095                           O            02/01/33
    0

    8398579          588/G01             F          145,000.00         ZZ
                                         360        144,277.56          1
                                       7.625          1,026.30        100
                                       7.375          1,026.30
    GERMANTOWN       MD   20874          1            09/27/02         23
    0435431127                           09           11/01/02          0
    1077006                              O            10/01/32
    0

    8398611          W39/G01             F           91,500.00         T
                                         360         91,433.78          1
                                       7.625            647.63        100
                                       7.375            647.63
    NORTH FORT MYER  FL   33903          1            01/28/03         23
    0435307038                           05           03/01/03          0
    LA024599                             O            02/01/33
    0

    8398735          588/G01             F          246,750.00         ZZ
                                         360        246,566.88          1
                                       7.500          1,725.31        105
                                       7.250          1,725.31
    OLNEY            MD   20832          1            01/15/03         00
    0435317524                           09           03/01/03          0
    1082144                              O            02/01/33
    0

    8398783          Q14/G01             F          148,000.00         ZZ
                                         360        147,892.89          1
1

                                       7.625          1,047.53        104
                                       7.375          1,047.53
    AVONDALE         AZ   85323          1            02/03/03         23
    0435295001                           03           03/01/03          0
    00000311063                          O            02/01/33
    0

    8398859          U96/G01             F          195,500.00         ZZ
                                         360        195,358.50          1
                                       7.625          1,383.74        106
                                       7.375          1,383.74
    KAPAAU           HI   96755          1            01/27/03         23
    0435304431                           29           03/01/03          0
    30100322                             O            02/01/33
    0

    8398869          R49/G01             F          300,250.00         ZZ
                                         360        300,032.69          1
                                       7.625          2,125.15         99
                                       7.375          2,125.15
    LOS ANGELES      CA   91306          1            01/21/03         23
    0435341607                           05           03/01/03          0
    10010557                             O            02/01/33
    0

    8398931          642/G01             F          297,730.00         ZZ
                                         360        297,525.10          1
                                       7.875          2,158.75        100
                                       7.625          2,158.75
    RIVERSIDE        CA   92505          1            01/22/03         23
    0435305750                           03           03/01/03          0
    11111102                             O            02/01/33
    0

    8398935          642/G01             F          254,512.00         ZZ
                                         360        254,341.23          1
                                       8.000          1,867.52        100
                                       7.750          1,867.52
    MURRIETA         CA   92562          1            01/29/03         23
    0435318332                           05           03/01/03          0
    12121402                             O            02/01/33
    0

    8398981          U96/G01             F          262,650.00         ZZ
                                         360        262,464.62          1
                                       7.750          1,881.66        103
                                       7.500          1,881.66
    EWA BEACH        HI   96706          5            01/13/03         00
    0435310008                           03           03/01/03          0
1

    21200250                             O            02/01/33
    0

    8398983          N67/G01             F          100,900.00         ZZ
                                         360        100,837.29          1
                                       8.375            766.91        103
                                       8.125            766.91
    GREER            SC   29651          2            01/22/03         23
    0435306360                           05           03/01/03          0
    3254004298                           O            02/01/33
    0

    8398987          147/G01             F           66,950.00         ZZ
                                         360         66,872.68          1
                                       8.750            526.70        103
                                       8.500            526.70
    DETROIT          MI   48205          1            12/30/02         23
    0435297858                           05           02/01/03          0
    10499098                             O            01/01/33
    0

    8399139          147/G01             F          133,750.00         ZZ
                                         360        133,666.86          1
                                       8.375          1,016.60        107
                                       8.125          1,016.60
    NASHVILLE        TN   37211          5            01/06/03         23
    0435315585                           05           03/01/03          0
    10518807                             O            02/01/33
    0

    8399179          P29/G01             F           91,575.00         ZZ
                                         180         91,516.61          1
                                       8.250            687.97         99
                                       8.000            687.97
    CEDAR FALLS      IA   50613          1            01/29/03         23
    0435331921                           05           03/01/03          0
    10699936                             O            02/01/18
    0

    8399189          147/G01             F          326,615.00         ZZ
                                         360        326,197.03          1
                                       8.250          2,453.75        104
                                       8.000          2,453.75
    HOLMDEL          NJ   07733          1            12/16/02         23
    0435434899                           01           02/01/03          0
    10507913                             O            01/01/33
    0

1

    8399557          U19/G01             F          336,500.00         ZZ
                                         360        336,311.35          1
                                       8.875          2,677.35        103
                                       8.625          2,677.35
    BAKERSFIELD      CA   93312          5            01/09/03         23
    0435314448                           05           03/01/03          0
    11000147                             O            02/01/33
    0

    8399623          808/G01             F          157,750.00         ZZ
                                         360        157,632.92          1
                                       7.500          1,103.02        100
                                       7.250          1,103.02
    MODESTO          CA   95354          1            01/22/03         23
    0435306006                           05           03/01/03          0
    9429585                              O            02/01/33
    0

    8399675          964/G01             F          106,500.00         T
                                         360        106,420.97          1
                                       7.500            744.66        107
                                       7.250            744.66
    MONMOUTH         OR   97361          1            01/17/03         23
    0435296017                           05           03/01/03          0
    324873                               O            02/01/33
    0

    8399845          U42/G01             F           89,500.00         ZZ
                                         360         89,435.22          1
                                       7.625            633.48        100
                                       7.375            633.48
    EAGLE PASS       TX   78852          1            01/27/03         12
    0435308291                           05           03/01/03         35
    49300006                             O            02/01/33
    0

    8399851          U35/G01             F           76,220.00         ZZ
                                         360         76,177.27          1
                                       8.875            606.44        103
                                       8.625            606.44
    MOUNT CALVARY    WI   53057          2            01/27/03         23
    0435315627                           05           03/01/03          0
    10661280                             O            02/01/33
    0

    8400451          E22/G01             F          145,500.00         ZZ
                                         360        145,397.31          1
                                       7.750          1,042.38        104
                                       7.500          1,042.38
1

    MOULTON          AL   35650          1            01/30/03         23
    0415738848                           05           03/01/03          0
    0415738848                           O            02/01/33
    0

    8400495          E22/G01             F           81,900.00         ZZ
                                         360         81,843.64          1
                                       7.875            593.83        105
                                       7.375            593.83
    ALBION           NE   68620          1            01/30/03         23
    0415777283                           05           03/01/03          0
    0415777283                           O            02/01/33
    0

    8400505          E22/G01             F          211,150.00         ZZ
                                         360        210,985.28          1
                                       7.250          1,440.42        103
                                       6.750          1,440.42
    ESCONDIDO        CA   92025          1            01/23/03         23
    0415921923                           01           03/01/03          0
    0415921923                           O            02/01/33
    0

    8400507          E22/G01             F          139,000.00         ZZ
                                         360        138,911.37          1
                                       8.250          1,044.26        100
                                       8.000          1,044.26
    FARMINGTON HILL  MI   48334          1            01/30/03         23
    0415928456                           05           03/01/03          0
    0415928456                           O            02/01/33
    0

    8400517          E22/G01             F           85,500.00         ZZ
                                         360         85,434.94          1
                                       7.375            590.53         95
                                       6.875            590.53
    BIXBY            OK   74008          1            01/30/03         23
    0415934538                           05           03/01/03          0
    0415934538                           N            02/01/33
    0

    8400519          E22/G01             F           77,300.00         ZZ
                                         360         77,241.18          1
                                       7.375            533.89        100
                                       7.125            533.89
    GREELEY          CO   80631          1            01/30/03         23
    0415934959                           05           03/01/03          0
    0415934959                           O            02/01/33
    0
1

    8400533          E22/G01             F          292,000.00         ZZ
                                         360        291,827.60          1
                                       8.625          2,271.15         99
                                       8.375          2,271.15
    OLYMPIA          WA   98506          5            01/24/03         23
    0415946524                           05           03/01/03          0
    0415946524                           O            02/01/33
    0

    8400547          E22/G01             F          142,140.00         ZZ
                                         360        142,066.31          1
                                       9.250          1,169.35        103
                                       9.000          1,169.35
    WEST JORDAN      UT   84084          1            01/27/03         23
    0415958792                           05           03/01/03          0
    0415958792                           O            02/01/33
    0

    8400581          E22/G01             F          111,150.00         ZZ
                                         360        111,075.42          1
                                       8.000            815.58         95
                                       7.750            815.58
    CHILDERSBURG     AL   35044          1            01/30/03         23
    0415996230                           05           03/01/03          0
    0415996230                           O            02/01/33
    0

    8400589          E22/G01             F          179,900.00         ZZ
                                         360        179,785.28          1
                                       8.250          1,351.53        100
                                       8.000          1,351.53
    BEACH PARK       IL   60087          1            01/30/03         23
    0416002343                           05           03/01/03          0
    0416002343                           O            02/01/33
    0

    8400599          E22/G01             F          105,060.00         ZZ
                                         360        105,004.09          1
                                       9.125            854.80        103
                                       8.625            854.80
    SALT LAKE CITY   UT   84119          1            01/29/03         23
    0416019255                           01           03/01/03          0
    0416019255                           O            02/01/33
    0

    8400645          E22/G01             F          183,735.00         ZZ
                                         360        183,646.98          1
1

                                       9.625          1,561.73        100
                                       9.125          1,561.73
    CORNELIUS        NC   28031          1            01/09/03         23
    0415858562                           03           03/01/03          0
    0415858562                           O            02/01/33
    0

    8400665          E22/G01             F          118,450.00         ZZ
                                         360        118,383.60          1
                                       8.875            942.44        103
                                       8.625            942.44
    WEST PALM BEACH  FL   33415          1            01/30/03         23
    0415885821                           05           03/01/03          0
    0415885821                           O            02/01/33
    0

    8400669          E22/G01             F           29,379.00         ZZ
                                         360         29,360.74          2
                                       8.375            223.30         95
                                       8.125            223.30
    SAGINAW          MI   48601          1            01/30/03         23
    0415886175                           05           03/01/03          0
    0415886175                           N            02/01/33
    0

    8400679          E22/G01             F          110,210.00         ZZ
                                         360        110,157.21          1
                                       9.625            936.77        103
                                       9.125            936.77
    NEWPORT NEWS     VA   23608          1            01/30/03         23
    0415902535                           05           03/01/03          0
    0415902535                           O            02/01/33
    0

    8400683          E22/G01             F          203,000.00         ZZ
                                         360        202,856.72          1
                                       7.750          1,454.32        100
                                       7.500          1,454.32
    FREDERICKSBURG   VA   22401          1            01/30/03         23
    0415903863                           05           03/01/03          0
    0415903863                           O            02/01/33
    0

    8400705          E22/G01             F           74,160.00         ZZ
                                         360         74,113.55          1
                                       9.375            616.83        103
                                       9.125            616.83
    DECATUR          IN   46733          1            01/30/03         23
    0415229855                           05           03/01/03          0
1

    0415229855                           O            02/01/33
    0

    8400715          E22/G01             F          205,000.00         ZZ
                                         360        204,847.86          1
                                       7.500          1,433.39        100
                                       7.250          1,433.39
    (LOS ANGELES AR  CA   90059          1            01/18/03         23
    0415340777                           29           03/01/03          0
    0415340777                           O            02/01/33
    0

    8400781          E22/G01             F          164,900.00         ZZ
                                         360        164,805.13          1
                                       8.750          1,297.27        100
                                       8.500          1,297.27
    HENDERSONVILLE   TN   37075          1            01/23/03         23
    0415790633                           05           03/01/03          0
    0415790633                           O            02/01/33
    0

    8400793          E22/G01             F           89,775.00         ZZ
                                         360         89,719.20          1
                                       8.375            682.35         95
                                       8.125            682.35
    ALABASTER        AL   35007          1            01/30/03         23
    0415808039                           05           03/01/03          0
    0415808039                           N            02/01/33
    0

    8401379          588/G01             F          185,200.00         ZZ
                                         360        184,730.55          1
                                       6.875          1,216.63        106
                                       6.625          1,216.63
    LINDEN           VA   22642          1            11/25/02         23
    0435421946                           05           01/01/03          0
    00010800299                          O            12/01/32
    0

    8401451          W35/G01             F          178,735.00         ZZ
                                         360        178,595.57          1
                                       7.250          1,219.29        100
                                       7.000          1,219.29
    NOBLESVILLE      IN   46060          1            01/16/03         23
    0435335658                           03           03/01/03          0
    15085                                O            02/01/33
    0

1

    8401531          X91/G01             F          164,700.00         ZZ
                                         360        164,561.63          1
                                       6.875          1,081.96        103
                                       6.625          1,081.96
    WAIPAHU          HI   96797          1            01/22/03         23
    0435330576                           01           03/01/03          0
    802843                               O            02/01/33
    0

    8401673          W45/G01             F          143,550.00         ZZ
                                         360        143,443.47          1
                                       7.500          1,003.72         99
                                       7.250          1,003.72
    HEMET            CA   92545          5            01/27/03         23
    0435324355                           05           03/01/03          0
    03012117412                          O            02/01/33
    0

    8401695          624/G01             F          316,250.00         ZZ
                                         360        316,003.30          1
                                       7.250          2,157.38        106
                                       7.000          2,157.38
    SANTA MARIA      CA   93455          1            01/23/03         23
    0435337548                           05           03/01/03          0
    1000021656                           O            02/01/33
    0

    8401707          T17/G01             F          179,000.00         ZZ
                                         360        178,857.56          2
                                       7.150          1,208.98        100
                                       6.900          1,208.98
    CHICAGO          IL   60609          1            01/24/03         23
    0435324843                           05           03/01/03          0
    03011000000                          O            02/01/33
    0

    8401785          B76/G01             F          159,250.00         ZZ
                                         360        159,140.41          1
                                       7.875          1,154.68        107
                                       7.625          1,154.68
    FITCHBURG        MA   01420          5            01/24/03         23
    0435320296                           05           03/01/03          0
    0004657789                           O            02/01/33
    0

    8401789          X67/G01             F          233,500.00         ZZ
                                         360        233,322.32          1
                                       7.375          1,612.73         96
                                       7.125          1,612.73
1

    CHINO            CA   91710          5            01/06/03         23
    0435322060                           05           03/01/03          0
    00281386                             O            02/01/33
    0

    8401821          X07/G01             F           72,000.00         ZZ
                                         360         71,949.18          1
                                       7.750            515.82        100
                                       7.500            515.82
    GRAFTON          WI   53024          1            01/30/03         23
    0435318753                           29           03/01/03          0
    6910000889                           O            02/01/33
    0

    8401831          Q64/G01             F          152,400.00         ZZ
                                         180        152,289.70          1
                                       7.625          1,078.68        103
                                       7.375          1,078.68
    MAINEVILLE       OH   45039          1            01/24/03         23
    0435395777                           03           03/01/03          0
    0106060809                           O            02/01/18
    0

    8401857          737/G01             F          169,950.00         ZZ
                                         360        169,830.05          1
                                       7.750          1,217.54        103
                                       7.500          1,217.54
    AVONDALE         AZ   85323          2            01/21/03         23
    0435329578                           05           03/01/03          0
    2103115                              O            02/01/33
    0

    8401865          K15/G01             F          113,800.00         ZZ
                                         360        113,719.68          1
                                       7.750            815.28         99
                                       7.500            815.28
    BOISE            ID   83704          2            01/09/03         23
    0435308986                           05           03/01/03          0
    03010550578                          O            02/01/33
    0

    8401873          S20/G01             F          149,865.00         ZZ
                                         360        149,759.23          1
                                       7.750          1,073.65        103
                                       7.500          1,073.65
    LUGOFF           SC   29078          1            01/29/03         23
    0435325493                           05           03/01/03          0
    0300369                              O            02/01/33
    0
1

    8401875          588/G01             F          142,100.00         ZZ
                                         360        141,997.16          1
                                       7.625          1,005.77        107
                                       7.375          1,005.77
    LOWER SAUCON TO  PA   18055          1            01/10/03         23
    0435319413                           05           03/01/03          0
    1083095                              O            02/01/33
    0

    8401877          U45/G01             F          141,110.00         ZZ
                                         360        141,017.69          1
                                       8.125          1,047.74        103
                                       7.875          1,047.74
    FRESNO           CA   93703          1            01/24/03         23
    0435300785                           05           03/01/03          0
    0002402471                           O            02/01/33
    0

    8402021          588/G01             F          148,000.00         ZZ
                                         360        147,709.92          1
                                       8.250          1,111.87        100
                                       8.000          1,111.87
    SOUTHAMPTON TWP  NJ   08088          1            12/19/02         23
    0435319629                           05           02/01/03          0
    1083309                              O            01/01/33
    0

    8402025          003/G01             F          179,900.00         ZZ
                                         360        179,675.58          1
                                       8.375          1,367.37        100
                                       8.125          1,367.37
    MIAMI SHORES     FL   33150          1            12/31/02         23
    0435396072                           05           02/01/03          0
    21920574                             O            01/01/33
    0

    8402035          G27/G01             F          155,000.00         ZZ
                                         360        154,884.97          1
                                       7.500          1,083.78        103
                                       7.250          1,083.78
    SACRAMENTO       CA   95828          1            01/15/03         23
    0435317615                           05           03/01/03          0
    70002023                             O            02/01/33
    0

    8402091          L16/G01             F          110,000.00         ZZ
                                         360        109,931.63          1
1

                                       8.375            836.08        100
                                       8.125            836.08
    BAKERSFIELD      CA   93307          1            01/10/03         23
    0435357272                           05           03/01/03          0
    7123                                 O            02/01/33
    0

    8402099          L16/G01             F          217,800.00         ZZ
                                         360        217,664.62          1
                                       8.375          1,655.44         99
                                       8.125          1,655.44
    MINNETONKA       MN   55345          5            01/22/03         23
    0435384532                           05           03/01/03          0
    8148                                 O            02/01/33
    0

    8402375          F89/G01             F          267,798.00         ZZ
                                         360        267,618.31          2
                                       8.000          1,965.01        103
                                       7.750          1,965.01
    LOS ANGELES      CA   90003          1            01/13/03         23
    0435349022                           05           03/01/03          0
    26179                                O            02/01/33
    0

    8402531          U77/G01             F           97,850.00         ZZ
                                         180         97,742.48          1
                                       8.990            786.62        103
                                       8.740            786.62
    LEXINGTON        SC   29072          5            01/09/03         23
    0435323308                           05           02/14/03          0
    02110482                             O            01/14/18
    0

    8402553          588/G01             F          174,950.00         ZZ
                                         360        174,849.35          1
                                       8.750          1,376.33        103
                                       8.500          1,376.33
    UPPER DARBY TOW  PA   19026          1            01/24/03         23
    0435319231                           05           03/01/03          0
    00010842226                          O            02/01/33
    0

    8402939          588/G01             F          329,600.00         ZZ
                                         360        329,384.40          1
                                       8.125          2,447.27        103
                                       7.875          2,447.27
    VIENNA           VA   22180          1            01/24/03         23
    0435315981                           05           03/01/03          0
1

    00010852191                          O            02/01/33
    0

    8402979          588/G01             F          400,000.00         ZZ
                                         360        399,724.72          1
                                       7.875          2,900.28        105
                                       7.625          2,900.28
    ALEXANDRIA       VA   22315          1            01/10/03         23
    0435316005                           09           03/01/03          0
    00010805587                          O            02/01/33
    0

    8403577          E22/G01             F          196,880.00         ZZ
                                         360        196,730.19          1
                                       7.375          1,359.80        107
                                       7.125          1,359.80
    VALLEJO          CA   94590          1            01/16/03         23
    0415377670                           05           03/01/03          0
    0415377670                           O            02/01/33
    0

    8403587          E22/G01             F          131,000.00         ZZ
                                         360        130,907.54          1
                                       7.750            938.50        100
                                       7.250            938.50
    SPRINGFIELD      OR   97478          1            01/27/03         23
    0415450543                           05           03/01/03          0
    0415450543                           O            02/01/33
    0

    8403591          E22/G01             F          118,275.00         ZZ
                                         360        118,199.58          1
                                       8.250            888.56         95
                                       8.000            888.56
    COLORADO SPRING  CO   80916          1            01/31/03         23
    0415494244                           05           03/01/03          0
    0415494244                           N            02/01/33
    0

    8403625          E22/G01             F          153,500.00         ZZ
                                         360        153,404.59          1
                                       8.375          1,166.71        100
                                       7.875          1,166.71
    ARVADA           CO   80003          1            01/31/03         23
    0415623230                           07           03/01/03          0
    0415623230                           O            02/01/33
    0

1

    8403629          E22/G01             F           95,750.00         ZZ
                                         360         95,676.55          1
                                       9.125            779.05        103
                                       8.625            779.05
    CEDAR RAPIDS     IA   52405          5            01/27/03         23
    0415646512                           05           03/01/03          0
    0415646512                           O            02/01/33
    0

    8403637          E22/G01             F          115,000.00         ZZ
                                         360        114,943.44          1
                                       9.500            966.98        100
                                       9.000            966.98
    CHESAPEAKE       VA   23323          1            01/31/03         23
    0415676170                           05           03/01/03          0
    0415676170                           O            02/01/33
    0

    8403645          E22/G01             F          148,730.00         ZZ
                                         360        148,622.36          1
                                       7.625          1,052.70        107
                                       7.125          1,052.70
    ALOHA            OR   97007          5            01/23/03         23
    0415705375                           05           03/01/03          0
    0415705375                           O            02/01/33
    0

    8403679          E22/G01             F          178,000.00         ZZ
                                         360        177,874.37          1
                                       7.750          1,275.21        105
                                       7.250          1,275.21
    NORTH BEND       OR   97459          1            01/29/03         23
    0415747005                           05           03/01/03          0
    0415747005                           O            02/01/33
    0

    8403681          E22/G01             F          282,000.00         ZZ
                                         360        281,774.49          1
                                       7.125          1,899.89        106
                                       6.625          1,899.89
    MIAMI            FL   33176          1            01/31/03         23
    0415747351                           05           03/01/03          0
    0415747351                           O            02/01/33
    0

    8403697          E22/G01             F           97,500.00         ZZ
                                         360         97,425.81          1
                                       7.375            673.41        104
                                       7.125            673.41
1

    CARRBORO         NC   27510          1            01/31/03         23
    0415767342                           01           03/01/03          0
    0415767342                           O            02/01/33
    0

    8403701          E22/G01             F          170,775.00         ZZ
                                         360        170,676.74          1
                                       8.750          1,343.49         99
                                       8.250          1,343.49
    MARYSVILLE       WA   98270          5            01/23/03         23
    0415770353                           05           03/01/03          0
    0415770353                           O            02/01/33
    0

    8403709          E22/G01             F          214,000.00         ZZ
                                         360        213,860.02          1
                                       8.125          1,588.94        102
                                       7.625          1,588.94
    SONORA           CA   95370          2            01/23/03         23
    0415777408                           05           03/01/03          0
    0415777408                           O            02/01/33
    0

    8403727          E22/G01             F          124,000.00         ZZ
                                         360        123,905.64          1
                                       7.375            856.44        100
                                       6.875            856.44
    MOSES LAKE       WA   98837          1            01/27/03         23
    0415795343                           05           03/01/03          0
    0415795343                           O            02/01/33
    0

    8403741          E22/G01             F          119,900.00         ZZ
                                         360        119,778.87          1
                                       7.750            858.98        100
                                       7.500            858.98
    ST. LOUIS        MO   63132          1            01/31/03         23
    0415803113                           05           03/01/03          0
    0415803113                           O            02/01/33
    0

    8403767          E22/G01             F          134,000.00         ZZ
                                         360        133,900.55          1
                                       7.500            936.95        104
                                       7.250            936.95
    ORANGE           MA   01364          1            01/31/03         23
    0415826346                           05           03/01/03          0
    0415826346                           O            02/01/33
    0
1

    8403787          E22/G01             F          187,945.00         ZZ
                                         360        187,801.99          1
                                       7.375          1,298.09        107
                                       6.875          1,298.09
    CORVALLIS        OR   97333          1            01/17/03         23
    0415841188                           03           03/01/03          0
    0415841188                           O            02/01/33
    0

    8403789          E22/G01             F           42,750.00         ZZ
                                         360         42,722.74          2
                                       8.250            321.17         95
                                       7.750            321.17
    MEMPHIS          TN   38115          1            01/31/03         23
    0415841220                           05           03/01/03          0
    0415841220                           N            02/01/33
    0

    8403809          E22/G01             F          142,250.00         ZZ
                                         360        142,180.03          1
                                       9.500          1,196.12        100
                                       9.000          1,196.12
    PASCO            WA   99301          1            01/28/03         23
    0415856368                           05           03/01/03          0
    0415856368                           O            02/01/33
    0

    8403813          E22/G01             F           84,500.00         ZZ
                                         360         84,443.30          1
                                       8.000            620.03        102
                                       7.750            620.03
    BROOKLAWN BOROU  NJ   08030          5            01/27/03         23
    0415859297                           05           03/01/03          0
    0415859297                           O            02/01/33
    0

    8403821          E22/G01             F           72,615.00         ZZ
                                         360         72,572.13          1
                                       8.625            564.79        103
                                       8.375            564.79
    CULPEPER         VA   22701          1            01/31/03         23
    0415865336                           05           03/01/03          0
    0415865336                           O            02/01/33
    0

    8403837          E22/G01             F           98,365.00         ZZ
                                         360         98,303.86          1
1

                                       8.375            747.65        103
                                       8.125            747.65
    CARPENTER        WY   82054          1            01/30/03         23
    0415873561                           05           03/01/03          0
    0415873561                           O            02/01/33
    0

    8403851          E22/G01             F          339,900.00         ZZ
                                         360        339,653.99          1
                                       7.625          2,405.79        100
                                       7.125          2,405.79
    SIMI VALLEY      CA   93065          1            01/28/03         23
    0415880533                           05           03/01/03          0
    0415880533                           O            02/01/33
    0

    8403895          E22/G01             F          158,347.00         ZZ
                                         360        158,347.00          1
                                       7.375          1,093.66        107
                                       6.875          1,093.66
    DOVER            PA   17315          1            01/31/03         23
    0415918176                           05           04/01/03          0
    0415918176                           O            03/01/33
    0

    8403901          E22/G01             F          181,000.00         ZZ
                                         360        180,887.50          1
                                       8.375          1,375.73        107
                                       8.125          1,375.73
    HOPEWELL TOWNSH  NJ   08302          5            01/27/03         23
    0415921899                           05           03/01/03          0
    0415921899                           O            02/01/33
    0

    8403907          E22/G01             F          132,561.00         ZZ
                                         360        132,482.73          1
                                       8.625          1,031.05         99
                                       8.375          1,031.05
    CANBY            OR   97013          1            01/24/03         23
    0415929702                           05           03/01/03          0
    0415929702                           O            02/01/33
    0

    8403927          E22/G01             F           68,400.00         ZZ
                                         360         68,357.49          2
                                       8.375            519.89         95
                                       7.875            519.89
    PENSACOLA        FL   32507          1            01/22/03         23
    0415938976                           05           03/01/03          0
1

    0415938976                           N            02/01/33
    0

    8403931          E22/G01             F          286,500.00         ZZ
                                         360        286,287.38          1
                                       7.500          2,003.25        101
                                       7.000          2,003.25
    MONROE           WA   98272          5            01/23/03         00
    0415948298                           05           03/01/03          0
    0415948298                           O            02/01/33
    0

    8403937          E22/G01             F          154,500.00         ZZ
                                         360        154,390.95          1
                                       7.750          1,106.86        100
                                       7.250          1,106.86
    WELLINGTON       FL   33414          1            01/31/03         23
    0415950807                           03           03/01/03          0
    0415950807                           O            02/01/33
    0

    8403947          E22/G01             F          180,000.00         ZZ
                                         360        179,888.12          1
                                       8.375          1,368.13        100
                                       8.125          1,368.13
    PORT HURON       MI   48060          1            01/31/03         23
    0418403947                           05           03/01/03          0
    0415959808                           O            02/01/33
    0

    8403959          E22/G01             F           80,250.00         ZZ
                                         360         80,190.44          1
                                       7.500            561.12        107
                                       7.250            561.12
    MONTGOMERY       AL   36109          5            01/28/03         23
    0415964998                           05           03/01/03          0
    0415964998                           O            02/01/33
    0

    8403963          E22/G01             F          110,300.00         ZZ
                                         360        110,239.75          1
                                       9.000            887.50        103
                                       8.500            887.50
    WONDER LAKE      IL   60097          1            01/31/03         23
    0415970151                           05           03/01/03          0
    0415970151                           O            02/01/33
    0

1

    8403967          E22/G01             F          150,000.00         ZZ
                                         360        149,920.18          1
                                       9.125          1,220.45        100
                                       8.625          1,220.45
    CHESAPEAKE       VA   23323          1            01/31/03         23
    0415971563                           05           03/01/03          0
    0415971563                           O            02/01/33
    0

    8403973          E22/G01             F          165,500.00         ZZ
                                         360        165,374.07          1
                                       7.375          1,143.07        104
                                       7.125          1,143.07
    MERIDIANVILLE    AL   35759          1            01/31/03         23
    0415975309                           05           03/01/03          0
    0415975309                           O            02/01/33
    0

    8403977          E22/G01             F           71,250.00         ZZ
                                         360         71,204.56          2
                                       8.250            535.28         95
                                       8.000            535.28
    NEW ORLEANS      LA   70124          1            01/31/03         23
    0415979541                           05           03/01/03          0
    0415979541                           N            02/01/33
    0

    8403979          E22/G01             F          261,900.00         ZZ
                                         360        261,732.99          2
                                       8.250          1,967.57         97
                                       8.000          1,967.57
    LYNN             MA   01902          1            01/31/03         23
    0415980085                           05           03/01/03          0
    0415980085                           O            02/01/33
    0

    8403981          E22/G01             F          104,000.00         ZZ
                                         360        103,950.18          1
                                       9.625            883.99        103
                                       9.125            883.99
    SPARTA           MI   49345          1            01/31/03         23
    0415981885                           05           03/01/03          0
    0415981885                           O            02/01/33
    0

    8404049          E22/G01             F          104,500.00         ZZ
                                         360        104,433.37          2
                                       8.250            785.07         95
                                       8.000            785.07
1

    AURORA           IL   60505          1            01/31/03         23
    0416046043                           05           03/01/03          0
    0416046043                           O            02/01/33
    0

    8404055          E22/G01             F          102,600.00         ZZ
                                         360        102,534.58          2
                                       8.250            770.80         95
                                       7.750            770.80
    BOISE            ID   83703          1            01/28/03         23
    0416051373                           05           03/01/03          0
    0416051373                           N            02/01/33
    0

    8404067          E22/G01             F          113,300.00         ZZ
                                         360        113,244.27          1
                                       9.500            952.69        103
                                       9.250            952.69
    TAMPA            FL   33625          1            01/31/03         23
    0416076693                           03           03/01/03          0
    0416076693                           O            02/01/33
    0

    8404131          H76/G01             F           64,200.00         ZZ
                                         360         64,200.00          1
                                       8.500            493.65        107
                                       8.250            493.65
    CURWENSVILLE     PA   06833          5            01/31/03         23
    0435304092                           05           04/01/03          0
    2002469496                           O            03/01/33
    0

    8404491          H76/G01             F          188,500.00         ZZ
                                         360        188,385.81          1
                                       8.500          1,449.40        102
                                       8.250          1,449.40
    CHARLOTTE        NC   28278          5            01/31/03         23
    0435306873                           05           03/01/03          0
    2002455969                           O            02/01/33
    0

    8404623          B57/G01             F          360,000.00         ZZ
                                         360        359,781.91          1
                                       8.500          2,768.09        100
                                       8.250          2,768.09
    LOS ANGELES      CA   90028          1            01/14/03         23
    0435324876                           05           03/01/03          0
    10009031                             O            02/01/33
    0
1

    8404625          588/G01             F          204,950.00         ZZ
                                         360        204,790.12          1
                                       7.250          1,398.12        105
                                       7.000          1,398.12
    MANASSAS         VA   20109          1            01/17/03         23
    0435324926                           05           03/01/03          0
    1084479                              O            02/01/33
    0

    8404633          588/G01             F          215,000.00         ZZ
                                         360        214,840.44          1
                                       7.500          1,503.31        107
                                       7.250          1,503.31
    SILVER SPRING    MD   20904          1            01/16/03         23
    0435329792                           09           03/01/03          0
    1084713                              O            02/01/33
    0

    8404641          964/G01             F          188,300.00         ZZ
                                         360        188,156.72          1
                                       7.375          1,300.54        107
                                       7.125          1,300.54
    SCOTTSDALE       AZ   85260          2            01/22/03         23
    0435356860                           09           03/01/03          0
    310560                               O            02/01/33
    0

    8404653          964/G01             F          125,000.00         ZZ
                                         360        124,918.23          1
                                       8.125            928.12        100
                                       7.875            928.12
    PHOENIX          AZ   85029          1            01/28/03         23
    0435325709                           05           03/01/03          0
    341001                               O            02/01/33
    0

    8404657          H76/G01             F          205,000.00         ZZ
                                         360        204,847.86          1
                                       7.500          1,433.39        107
                                       7.250          1,433.39
    COLORADO SPRING  CO   80917          5            01/27/03         23
    0435304654                           05           03/01/03          0
    2002465712                           O            02/01/33
    0

    8404695          J40/G01             F          112,350.00         ZZ
                                         180        112,025.32          1
1

                                       8.000          1,073.68        107
                                       7.750          1,073.68
    JACKSON          MS   39211          5            01/17/03         23
    0435329446                           05           03/01/03          0
    7771742                              O            02/01/18
    0

    8404713          B57/G01             F          196,500.00         ZZ
                                         360        196,380.96          1
                                       8.500          1,510.91        100
                                       8.250          1,510.91
    PHOENIX          AZ   85024          1            01/14/03         23
    0435331343                           05           03/01/03          0
    20001082                             O            02/01/33
    0

    8404749          P01/G01             F          169,950.00         ZZ
                                         360        169,847.04          1
                                       8.500          1,306.77        103
                                       8.250          1,306.77
    DUMFRIES         VA   22026          5            01/27/03         23
    0435325923                           09           03/01/03          0
    02003269                             O            02/01/33
    0

    8404755          W08/G01             F          139,200.00         ZZ
                                         360        139,096.69          1
                                       7.500            973.31        105
                                       7.250            973.31
    MIAMI            FL   33155          1            01/27/03         23
    0435333158                           01           03/01/03          0
    021884MG                             O            02/01/33
    0

    8404775          588/G01             F          129,800.00         ZZ
                                         360        129,695.48          1
                                       7.125            874.49        107
                                       6.875            874.49
    HOPATCONG BOROU  NJ   07843          1            01/10/03         23
    0435319272                           05           03/01/03          0
    1079111                              O            02/01/33
    0

    8404787          S53/G01             F          155,530.00         ZZ
                                         180        155,449.37          1
                                       9.250          1,279.51        103
                                       9.000          1,279.51
    VERMILLION       MN   55085          1            01/15/03         00
    0435325766                           05           03/01/03          0
1

    9843012                              O            02/01/18
    0

    8404811          642/G01             F          151,940.00         ZZ
                                         360        151,835.44          1
                                       7.875          1,101.67        107
                                       7.625          1,101.67
    BOWIE            MD   20716          1            01/16/03         23
    0435325501                           09           03/01/03          0
    12112802                             O            02/01/33
    0

    8405167          M24/G01             F          322,000.00         ZZ
                                         360        321,778.41          1
                                       7.875          2,334.72        105
                                       7.625          2,334.72
    LARAMIE          WY   82072          5            01/24/03         23
    0435316427                           05           03/01/03          0
    269107151                            O            02/01/33
    0

    8406251          642/G01             F           85,490.00         ZZ
                                         360         85,446.83          1
                                       9.375            711.06        103
                                       9.125            711.06
    RICHMOND         VA   23224          5            01/21/03         23
    0435325600                           05           03/01/03          0
    12198102                             O            02/01/33
    0

    8406255          Q64/G01             F          130,150.00         ZZ
                                         180        130,064.85          1
                                       8.125            966.37         95
                                       7.875            966.37
    ST PAUL          MN   55103          1            01/23/03         23
    0435395827                           05           03/01/03          0
    0106001803                           O            02/01/18
    0

    8406293          U45/G01             F          281,190.00         ZZ
                                         360        281,010.69          1
                                       8.250          2,112.49        103
                                       8.000          2,112.49
    ANTIOCH          CA   94531          1            01/27/03         23
    0435302054                           09           03/01/03          0
    0002402568                           O            02/01/33
    0

1

    8406305          J95/G01             F          103,650.00         ZZ
                                         360        103,291.08          1
                                       7.500            724.74        107
                                       7.250            724.74
    BROGUE           PA   17309          1            01/27/03         23
    0435301288                           05           03/01/03          0
    0041291014                           O            02/01/33
    0

    8406451          U35/G01             F           84,975.00         ZZ
                                         360         84,933.20          1
                                       9.500            714.52        103
                                       9.250            714.52
    NORTH FOND DU L  WI   54937          1            01/30/03         23
    0435319850                           05           03/01/03          0
    0007579219                           O            02/01/33
    0

    8406553          W17/G01             F           94,050.00         ZZ
                                         360         93,991.54          1
                                       8.375            714.85         99
                                       8.125            714.85
    JACKSONVILLE     FL   32277          1            01/31/03         23
    0435329693                           01           03/01/03          0
    030448                               O            02/01/33
    0

    8406589          K15/G01             F           87,500.00         ZZ
                                         360         87,413.58          1
                                       9.500            735.75        103
                                       9.250            735.75
    DETROIT          MI   48239          1            12/18/02         23
    0435322813                           05           02/01/03          0
    046300112702                         O            01/01/33
    0

    8406765          U35/G01             F           41,509.00         ZZ
                                         360         41,477.42          1
                                       7.375            286.69        103
                                       7.125            286.69
    HAMMOND          IN   46320          1            01/29/03         23
    0435329941                           05           03/01/03          0
    0007631021                           O            02/01/33
    0

    8406835          K15/G01             F          186,400.00         ZZ
                                         360        186,271.72          1
                                       7.875          1,351.53        107
                                       7.625          1,351.53
1

    AMHERST          OH   44001          2            01/21/03         23
    0435317656                           05           03/01/03          0
    028705505655                         O            02/01/33
    0

    8406837          U35/G01             F           67,000.00         ZZ
                                         360         66,958.35          1
                                       8.375            509.25        100
                                       8.125            509.25
    DAVENPORT        IA   52807          1            01/30/03         23
    0435331020                           05           03/01/03          0
    0007581504                           O            02/01/33
    0

    8407231          R65/G01             F          247,200.00         ZZ
                                         360        247,057.78          1
                                       8.750          1,944.72        103
                                       8.500          1,944.72
    MEDINA           OH   44256          5            01/22/03         23
    0435342050                           05           03/01/03          0
    15934                                O            02/01/33
    0

    8407547          408/G01             F           70,500.00         T
                                         360         70,455.05          1
                                       8.250            529.64        104
                                       8.000            529.64
    MERTLE BEACH     SC   29572          1            01/16/03         23
    0435328547                           07           03/01/03          0
    9703032092                           O            02/01/33
    0

    8407651          624/G01             F          152,450.00         ZZ
                                         360        152,334.00          1
                                       7.375          1,052.93        105
                                       7.125          1,052.93
    MERRILLVILLE     IN   46410          5            01/20/03         23
    0435330915                           05           03/01/03          0
    1000020376                           O            02/01/33
    0

    8407693          U35/G01             F          134,000.00         ZZ
                                         360        133,926.81          1
                                       9.000          1,078.19        100
                                       8.750          1,078.19
    MERRILL          WI   54452          1            01/31/03         23
    0435331194                           05           03/01/03          0
    0007633291                           O            02/01/33
    0
1

    8407829          737/G01             F          264,500.00         ZZ
                                         360        264,317.97          1
                                       7.875          1,917.81        106
                                       7.625          1,917.81
    TURLOCK          CA   95382          1            01/20/03         23
    0435297189                           05           03/01/03          0
    0001843648                           O            02/01/33
    0

    8407869          737/G01             F          182,970.00         ZZ
                                         360        182,846.99          1
                                       7.990          1,341.29        107
                                       7.740          1,341.29
    MORENO VALLEY    CA   92555          1            01/15/03         23
    0435297221                           03           03/01/03          0
    0001845460                           O            02/01/33
    0

    8407939          X67/G01             F          255,000.00         ZZ
                                         360        254,815.44          1
                                       7.625          1,804.87        100
                                       7.375          1,804.87
    TUSTIN           CA   92780          1            01/15/03         23
    0435334537                           09           03/01/03          0
    00282514                             O            02/01/33
    0

    8407973          N74/G01             F          169,950.00         ZZ
                                         360        169,847.04          1
                                       8.500          1,306.77        103
                                       8.250          1,306.77
    WINSTON SALEM    NC   27105          5            01/27/03         23
    0435374335                           05           03/01/03          0
    0031588010                           O            02/01/33
    0

    8407985          U42/G01             F           38,520.00         ZZ
                                         360         38,488.43          1
                                       7.000            256.27         87
                                       6.750            256.27
    COLLINSVILLE     TX   76233          1            01/28/03         23
    0435309224                           05           03/01/03          0
    15300069                             O            02/01/33
    0

    8408033          G34/G01             F          138,500.00         ZZ
                                         360        138,402.25          1
1

                                       7.750            992.23         99
                                       7.500            992.23
    LAS VEGAS        NV   89118          1            01/29/03         23
    0435319728                           03           03/01/03          0
    77310074                             O            02/01/33
    0

    8408051          G34/G01             F          129,900.00         ZZ
                                         360        129,808.32          1
                                       7.750            930.62        100
                                       7.500            930.62
    LAS VEGAS        NV   89108          1            01/20/03         23
    0435320742                           05           03/01/03          0
    2053994                              O            02/01/33
    0

    8408381          N46/G01             F           89,000.00         ZZ
                                         360         88,947.46          1
                                       8.625            692.23        100
                                       8.375            692.23
    KANNAPOLIS       NC   28083          1            01/31/03         23
    0435384094                           05           03/01/03          0
    BEIZ89N623                           O            02/01/33
    0

    8408419          J40/G01             F          101,650.00         ZZ
                                         360        101,572.65          1
                                       7.375            702.07        107
                                       7.125            702.07
    LEHIGH ACRES     FL   33936          5            01/27/03         23
    0435422332                           05           03/01/03          0
    1112789                              O            02/01/33
    0

    8408493          N74/G01             F           80,000.00         ZZ
                                         360         79,961.68          1
                                       9.625            679.99        100
                                       9.375            679.99
    WINSTON SALEM    NC   27103          1            01/30/03         23
    0435374160                           05           03/01/03          0
    0031620010                           O            02/01/33
    0

    8408553          E22/G01             F          164,800.00         ZZ
                                         360        164,705.19          1
                                       8.750          1,296.48        103
                                       8.500          1,296.48
    NEWPORT NEWS     VA   23602          5            01/29/03         23
    0415252576                           05           03/01/03          0
1

    0415252576                           O            02/01/33
    0

    8408645          E22/G01             F          127,000.00         ZZ
                                         360        126,900.93          1
                                       7.250            866.36         98
                                       6.750            866.36
    AUMSVILLE        OR   97325          5            01/24/03         23
    0415843317                           05           03/01/03          0
    0415843317                           O            02/01/33
    0

    8408653          E22/G01             F          268,000.00         ZZ
                                         360        267,810.85          1
                                       7.750          1,919.98        100
                                       7.500          1,919.98
    DALLAS           TX   75209          1            02/03/03         23
    0415866623                           05           03/01/03          0
    0415866623                           O            02/01/33
    0

    8408661          E22/G01             F          100,940.00         ZZ
                                         360        100,890.35          1
                                       9.500            848.76        103
                                       9.000            848.76
    DAVENPORT        IA   52806          5            01/28/03         23
    0415872548                           05           03/01/03          0
    0415872548                           O            02/01/33
    0

    8408663          E22/G01             F          157,500.00         ZZ
                                         360        157,391.61          1
                                       7.875          1,141.98        103
                                       7.375          1,141.98
    FRESNO           CA   93722          1            01/22/03         23
    0415873702                           05           03/01/03          0
    0415873702                           O            02/01/33
    0

    8408689          E22/G01             F          148,700.00         ZZ
                                         360        148,586.86          1
                                       7.375          1,027.03        107
                                       6.875          1,027.03
    LEBANON          OR   97355          1            01/27/03         23
    0415892801                           05           03/01/03          0
    0415892801                           O            02/01/33
    0

1

    8408747          E22/G01             F          262,650.00         ZZ
                                         360        262,482.52          1
                                       8.250          1,973.20         99
                                       8.000          1,973.20
    WAUKEGAN         IL   60085          5            01/28/03         23
    0415937903                           05           03/01/03          0
    0415937903                           O            02/01/33
    0

    8408755          E22/G01             F          280,100.00         ZZ
                                         360        279,921.39          1
                                       8.250          2,104.30        100
                                       8.000          2,104.30
    ROMULUS          MI   48174          1            02/03/03         23
    0415965912                           29           03/01/03          0
    0415965912                           O            02/01/33
    0

    8408767          E22/G01             F          141,000.00         ZZ
                                         360        140,902.96          1
                                       7.875          1,022.35         98
                                       7.625          1,022.35
    PELHAM           AL   35124          5            01/28/03         23
    0415969682                           05           03/01/03          0
    0415969682                           O            02/01/33
    0

    8408771          E22/G01             F          114,800.00         ZZ
                                         360        114,721.00          1
                                       7.875            832.38        100
                                       7.375            832.38
    BOTHELL          WA   98011          1            01/30/03         23
    0415976190                           01           03/01/03          0
    0415976190                           O            02/01/33
    0

    8408785          E22/G01             F          111,400.00         ZZ
                                         360        111,321.38          1
                                       7.750            798.08         98
                                       7.500            798.08
    MOUNTAIN HOME    ID   83647          2            01/28/03         23
    0416023943                           05           03/01/03          0
    0416023943                           O            02/01/33
    0

    8408791          E22/G01             F          197,600.00         ZZ
                                         360        197,460.54          1
                                       7.750          1,415.63        104
                                       7.500          1,415.63
1

    SACRAMENTO       CA   95820          1            01/28/03         23
    0416036689                           05           03/01/03          0
    0416036689                           O            02/01/33
    0

    8409133          G34/G01             F          148,400.00         ZZ
                                         360        148,292.59          1
                                       7.625          1,050.37         99
                                       7.375          1,050.37
    LAS VEGAS        NV   89121          1            01/30/03         23
    0435321435                           05           03/01/03          0
    39102587                             O            02/01/33
    0

    8409171          313/G01             F          118,800.00         ZZ
                                         360        118,718.24          1
                                       7.875            861.39        107
                                       7.625            861.39
    ALEXANDRIA       KY   41001          5            01/24/03         23
    0435336433                           05           03/01/03          0
    0009227760                           O            02/01/33
    0

    8409213          313/G01             F          185,300.00         ZZ
                                         360        185,148.11          1
                                       7.000          1,232.81        104
                                       6.750          1,232.81
    ISSAQUAH         WA   98027          1            01/20/03         23
    0435330840                           01           03/01/03          0
    0009285099                           O            02/01/33
    0

    8409219          Q78/G01             F           67,200.00         ZZ
                                         360         67,152.57          1
                                       7.750            481.43        102
                                       7.500            481.43
    NEW CASTLE       IN   47362          1            01/31/03         23
    0435330261                           05           03/01/03          0
    722344                               O            02/01/33
    0

    8409235          Q78/G01             F          124,000.00         ZZ
                                         360        123,924.87          1
                                       8.500            953.46        100
                                       8.250            953.46
    LOUISVILLE       KY   40299          1            01/29/03         23
    0435330311                           05           03/01/03          0
    722959                               O            02/01/33
    0
1

    8409449          W78/G01             F           99,350.00         ZZ
                                         360         99,294.31          1
                                       8.875            790.47        103
                                       8.625            790.47
    BEAUMONT         TX   77706          1            01/08/03         23
    0435394291                           05           03/01/03          0
    40802275                             O            02/01/33
    0

    8409499          253/G01             F          201,875.00         ZZ
                                         360        201,746.27          1
                                       8.250          1,516.62         95
                                       8.000          1,516.62
    SANTA FE         NM   87501          1            01/27/03         23
    0435343637                           01           03/01/03          0
    451419                               N            02/01/33
    0

    8409503          W78/G01             F           63,100.00         ZZ
                                         360         63,033.81          1
                                       8.250            474.05        107
                                       8.000            474.05
    KIRBY            TX   78219          1            01/14/03         23
    0435317581                           05           03/01/03          0
    0040866651                           O            02/01/33
    0

    8409585          W78/G01             F          174,350.00         ZZ
                                         360        174,268.65          1
                                       9.750          1,497.94        103
                                       9.500          1,497.94
    KATY             TX   77450          1            01/08/03         23
    0435318787                           03           03/01/03          0
    0040478476                           O            02/01/33
    0

    8409653          U45/G01             F           68,200.00         ZZ
                                         360         68,156.52          1
                                       8.250            512.36        100
                                       8.000            512.36
    RIDGELAND        MS   39157          1            01/29/03         23
    0435314828                           05           03/01/03          0
    2402580                              O            02/01/33
    0

    8409655          M27/G01             F          136,450.00         ZZ
                                         360        136,343.56          1
1

                                       7.250            930.83        103
                                       7.000            930.83
    KNOXVILLE        TN   37938          1            01/30/03         23
    0435344262                           05           03/01/03          0
    5000102100                           O            02/01/33
    0

    8410101          R49/G01             F          278,100.00         ZZ
                                         360        277,744.12          1
                                       8.250          2,089.27        103
                                       8.000          2,089.27
    LAS VEGAS        NV   89128          5            12/26/02         23
    0435424668                           03           02/01/03          0
    9723028                              O            01/01/33
    0

    8410135          W39/G01             F           87,550.00         ZZ
                                         360         87,496.96          1
                                       8.500            673.19        103
                                       8.250            673.19
    CROWLEY          TX   76036          2            01/24/03         23
    0435335732                           05           03/01/03          0
    124629                               O            02/01/33
    0

    8410341          408/G01             F           47,500.00         ZZ
                                         360         47,471.23          1
                                       8.500            365.23         95
                                       8.250            365.23
    MYRTLE BEACH     SC   29572          1            01/16/03         23
    0435330196                           07           03/01/03          0
    9703032093                           N            02/01/33
    0

    8410559          R49/G01             F          117,700.00         ZZ
                                         360        117,461.50          1
                                       8.000            863.64        107
                                       7.750            863.64
    STOCKTON         CA   92505          1            11/21/02         23
    0435430269                           05           01/01/03          0
    9721590                              O            12/01/32
    0

    8410639          Q64/G01             F          101,950.00         ZZ
                                         180        101,894.31          1
                                       9.000            820.32        103
                                       8.750            820.32
    COUNTRY CLUB HI  IL   60478          1            01/24/03         23
    0435341573                           05           03/01/03          0
1

    0105989909                           O            02/01/18
    0

    8410787          L57/G01             F           94,695.00         ZZ
                                         360         94,636.14          1
                                       8.375            719.75        107
                                       8.125            719.75
    OPELIKA          AL   36804          5            01/27/03         23
    0435394259                           05           03/01/03          0
    2003018                              O            02/01/33
    0

    8410879          964/G01             F          177,160.00         ZZ
                                         360        177,049.89          1
                                       8.375          1,346.54        103
                                       8.125          1,346.54
    STOCKTON         CA   95206          1            01/27/03         23
    0435324462                           05           03/01/03          0
    301645                               O            02/01/33
    0

    8410893          W33/G01             F           68,266.00         ZZ
                                         360         68,166.87          1
                                       7.625            483.18        107
                                       7.375            483.18
    LAKE STATION     IN   46405          1            01/28/03         23
    0435315031                           05           02/27/03          0
    0334778                              O            01/27/33
    0

    8410899          964/G01             F          124,000.00         ZZ
                                         360        123,903.27          1
                                       7.250            845.90        103
                                       7.000            845.90
    EL MIRAGE        AZ   85355          1            01/27/03         23
    0435324520                           05           03/01/03          0
    269129                               O            02/01/33
    0

    8410973          964/G01             F          182,900.00         ZZ
                                         360        182,783.37          1
                                       8.250          1,374.07        100
                                       8.000          1,374.07
    PHELAN           CA   92371          1            01/27/03         23
    0435361662                           05           03/01/03          0
    328244                               O            02/01/33
    0

1

    8410979          964/G01             F          175,100.00         ZZ
                                         360        174,576.42          1
                                       9.250          1,440.50        103
                                       9.000          1,440.50
    GLENDALE         AZ   85310          1            01/30/03         23
    0435324538                           03           03/01/03          0
    323990                               O            02/01/33
    0

    8411035          K15/G01             F          154,500.00         ZZ
                                         360        154,406.40          1
                                       8.500          1,187.97        103
                                       8.250          1,187.97
    LAS VEGAS        NV   89145          5            01/27/03         23
    0435321070                           05           03/01/03          0
    022005509376                         O            02/01/33
    0

    8411803          K15/G01             F           88,500.00         ZZ
                                         360         87,935.75          1
                                       8.625            688.34        103
                                       8.375            688.34
    FAYETTEVILLE     NC   28304          5            01/27/03         23
    0435322326                           05           03/01/03          0
    017105509854                         O            02/01/33
    0

    8412113          N67/G01             F          153,950.00         ZZ
                                         360        153,835.75          1
                                       7.500          1,076.44        103
                                       7.250          1,076.44
    NORTH LAS VEGAS  NV   89031          1            01/27/03         23
    0435329966                           03           03/01/03          0
    1162000394                           O            02/01/33
    0

    8412131          W39/G01             F          133,900.00         ZZ
                                         360        133,839.17          1
                                       9.875          1,162.72        100
                                       9.625          1,162.72
    JACKSONVILLE     FL   32246          1            01/31/03         23
    0435315171                           03           03/01/03          0
    LA025203                             O            02/01/33
    0

    8412137          J95/G01             F          146,200.00         ZZ
                                         360        146,113.68          1
                                       8.625          1,137.13        105
                                       8.375          1,137.13
1

    ASHLAND          VA   23005          5            01/10/03         23
    0435308671                           05           03/01/03          0
    0041172834                           O            02/01/33
    0

    8412173          N67/G01             F          162,600.00         ZZ
                                         360        162,488.10          1
                                       7.875          1,178.96        107
                                       7.625          1,178.96
    PHOENIX          AZ   85048          5            01/27/03         23
    0435331087                           05           03/01/03          0
    1781004717                           O            02/01/33
    0

    8412263          T23/G01             F           77,250.00         ZZ
                                         360         77,206.69          1
                                       8.875            614.64        103
                                       8.625            614.64
    NEWARK           OH   43055          1            01/31/03         23
    0435328950                           05           03/01/03          0
    6014                                 O            02/01/33
    0

    8412411          U05/G01             F          171,450.00         ZZ
                                         360        171,337.85          1
                                       8.125          1,273.01         95
                                       7.875          1,273.01
    MIAMI SPRINGS    FL   33166          1            01/27/03         23
    0435327994                           05           03/01/03          0
    3284342                              O            02/01/33
    0

    8413061          F89/G01             F          175,000.00         ZZ
                                         360        174,876.49          1
                                       7.750          1,253.72        100
                                       7.500          1,253.72
    FONTANA          CA   92335          1            01/24/03         23
    0435338728                           05           03/01/03          0
    11126649                             O            02/01/33
    0

    8413117          G34/G01             F          181,500.00         ZZ
                                         360        181,361.89          1
                                       7.375          1,253.58        100
                                       7.125          1,253.58
    HENDERSON        NV   89015          1            01/16/03         23
    0435368261                           05           03/01/03          0
    39102572                             O            02/01/33
    0
1

    8413119          E22/G01             F           72,600.00         ZZ
                                         360         72,560.34          1
                                       9.000            584.16        103
                                       8.500            584.16
    BESSEMER         AL   35020          5            01/30/03         23
    0415270677                           05           03/01/03          0
    0415270677                           O            02/01/33
    0

    8413177          E22/G01             F          199,000.00         ZZ
                                         360        199,000.00          1
                                       7.375          1,374.44        105
                                       6.875          1,374.44
    TAFT             CA   93268          2            01/30/03         23
    0415707561                           05           04/01/03          0
    0415707561                           O            03/01/33
    0

    8413191          E22/G01             F          148,400.00         ZZ
                                         360        148,307.76          1
                                       8.375          1,127.95        103
                                       7.875          1,127.95
    LIBERTY LAKE     WA   99019          2            01/14/03         23
    0415737790                           03           03/01/03          0
    0415737790                           O            02/01/33
    0

    8413265          E22/G01             F          169,950.00         ZZ
                                         360        169,854.72          1
                                       8.875          1,352.20        103
                                       8.375          1,352.20
    LOS ANGELES      CA   90012          1            01/24/03         23
    0415919620                           01           03/01/03          0
    0415919620                           O            02/01/33
    0

    8413287          E22/G01             F          176,900.00         ZZ
                                         360        176,762.00          1
                                       7.250          1,206.77        103
                                       6.750          1,206.77
    MEMPHIS          TN   38125          2            01/30/03         23
    0415952985                           05           03/01/03          0
    0415952985                           O            02/01/33
    0

    8413297          E22/G01             F           90,200.00         ZZ
                                         360         90,200.00          2
1

                                       7.750            646.20         95
                                       7.250            646.20
    YAKIMA           WA   98902          1            01/29/03         23
    0415969690                           05           04/01/03          0
    0415969690                           N            03/01/33
    0

    8413315          E22/G01             F          145,000.00         ZZ
                                         360        145,000.00          1
                                       9.500          1,219.24        100
                                       9.000          1,219.24
    ALEXANDRIA       AL   36250          1            02/04/03         23
    0416004687                           05           04/01/03          0
    0416004687                           O            03/01/33
    0

    8413327          E22/G01             F          161,500.00         ZZ
                                         360        161,500.00          1
                                       9.000          1,299.47        103
                                       8.750          1,299.47
    CROWN POINT      IN   46307          1            02/04/03         23
    0416021335                           09           04/01/03          0
    0416021335                           O            03/01/33
    0

    8413339          E22/G01             F          132,600.00         ZZ
                                         360        132,529.43          1
                                       9.125          1,078.88        101
                                       8.875          1,078.88
    WEST PALM BEACH  FL   33409          1            02/04/03         23
    0416034585                           09           03/01/03          0
    0416034585                           O            02/01/33
    0

    8413341          E22/G01             F          205,000.00         ZZ
                                         360        204,851.62          1
                                       7.625          1,450.98        106
                                       7.125          1,450.98
    RIVERTON         UT   84065          2            01/28/03         23
    0416039881                           05           03/01/03          0
    0416039881                           O            02/01/33
    0

    8413349          624/G01             F          140,520.00         ZZ
                                         360        140,418.30          1
                                       7.625            994.59        103
                                       7.375            994.59
    HANFORD          CA   93230          1            01/15/03         23
    0435324967                           05           03/01/03          0
1

    1000021511                           O            02/01/33
    0

    8413429          B43/G01             F          220,000.00         ZZ
                                         360        219,852.39          1
                                       8.000          1,614.28        100
                                       7.750          1,614.28
    RUNNING SPRINGS  CA   92382          1            01/09/03         23
    0435329495                           05           03/01/03          0
    30657                                O            02/01/33
    0

    8413575          U42/G01             F          169,550.00         ZZ
                                         360        169,420.99          1
                                       7.375          1,171.04        103
                                       7.125          1,171.04
    TEXARKANA        AR   71854          1            01/28/03         23
    0435432521                           05           03/01/03          0
    15208421                             O            02/01/33
    0

    8413581          K15/G01             F          141,100.00         ZZ
                                         360        141,026.85          1
                                       9.250          1,160.80        103
                                       9.000          1,160.80
    RAVENNA          MI   49451          5            01/25/03         23
    0435321641                           05           03/01/03          0
    035905509060                         O            02/01/33
    0

    8413591          F34/G01             F          278,200.00         ZZ
                                         360        278,022.60          1
                                       8.250          2,090.03        107
                                       8.000          2,090.03
    SWEDESBORO       NJ   08085          5            01/28/03         23
    0435338520                           05           03/01/03          0
    17758                                O            02/01/33
    0

    8413829          J95/G01             F           66,157.00         ZZ
                                         360         66,111.47          1
                                       7.875            479.69        106
                                       7.625            479.69
    BROOKHAVEN       PA   19015          5            01/23/03         23
    0435332945                           01           03/01/03          0
    0041034448                           O            02/01/33
    0

1

    8413859          M50/G01             F           99,500.00         ZZ
                                         180         99,434.92          1
                                       8.125            738.78        100
                                       7.875            738.78
    SPRING HILL      FL   34608          1            01/28/03         23
    0435411467                           05           03/01/03          0
    2511056                              O            02/01/18
    0

    8413863          W08/G01             F           47,380.00         ZZ
                                         360         47,356.08          1
                                       9.375            394.08        103
                                       9.125            394.08
    MIAMI            FL   33161          1            01/17/03         00
    0435338645                           01           03/01/03          0
    022410MG                             O            02/01/33
    0

    8413865          A06/G01             F           94,600.00         ZZ
                                         360         94,545.57          1
                                       8.750            744.22        103
                                       8.500            744.22
    REDFORD TOWNSHI  MI   48240          1            01/29/03         23
    0435325386                           05           03/01/03          0
    1                                    O            02/01/33
    0

    8413933          H76/G01             F          211,150.00         ZZ
                                         360        211,150.00          1
                                       8.875          1,680.00        103
                                       8.625          1,680.00
    KNOXVILLE        TN   37919          5            02/03/03         23
    0435362694                           05           04/01/03          0
    2003-468672                          O            03/01/33
    0

    8413973          M50/G01             F           89,301.00         ZZ
                                         180         89,257.08          1
                                       9.500            750.89        103
                                       9.250            750.89
    HOUSTON          TX   77035          1            01/23/03         23
    0435414917                           03           03/01/03          0
    1210797                              O            02/01/18
    0

    8414183          K15/G01             F           83,400.00         ZZ
                                         360         83,348.16          1
                                       8.375            633.90        101
                                       8.125            633.90
1

    LANARK           IL   61046          5            01/24/03         23
    0435329867                           05           03/01/03          0
    029405505558                         O            02/01/33
    0

    8414215          E45/G01             F           91,900.00         ZZ
                                         360         91,841.40          1
                                       8.250            690.41        100
                                       8.000            690.41
    ORLANDO          FL   32824          1            01/17/03         23
    0435362470                           01           03/01/03          0
    335535                               O            02/01/33
    0

    8414339          F89/G01             F          153,900.00         ZZ
                                         360        153,785.79          1
                                       7.500          1,076.09        100
                                       7.250          1,076.09
    RIALTO           CA   92376          1            01/27/03         23
    0435339106                           05           03/01/03          0
    11124992                             O            02/01/33
    0

    8414341          K15/G01             F          141,200.00         ZZ
                                         360        141,102.83          1
                                       7.875          1,023.80        107
                                       7.625          1,023.80
    HINSDALE         NH   03451          5            01/24/03         23
    0435330329                           05           03/01/03          0
    033605509531                         O            02/01/33
    0

    8414395          U05/G01             F          351,000.00         ZZ
                                         360        350,732.92          1
                                       7.375          2,424.27         99
                                       7.125          2,424.27
    BOWIE            MD   20720          5            01/27/03         23
    0435348990                           05           03/01/03          0
    3301133                              O            02/01/33
    0

    8414441          K15/G01             F          190,500.00         ZZ
                                         360        190,387.53          1
                                       8.625          1,481.69        103
                                       8.375          1,481.69
    FRESNO           CA   93722          5            01/27/03         23
    0435338694                           05           03/01/03          0
    038305505905                         O            02/01/33
    0
1

    8414459          K15/G01             F          135,000.00         ZZ
                                         360        134,926.26          1
                                       9.000          1,086.24        103
                                       8.750          1,086.24
    LOUISVILLE       KY   40245          1            01/15/03         23
    0435332366                           05           03/01/03          0
    048000113329                         O            02/01/33
    0

    8414673          W33/G01             F          101,650.00         ZZ
                                         360        101,526.40          1
                                       8.500            781.60        107
                                       8.250            781.60
    ROCKFORD         IL   61104          2            01/13/03         23
    0435322664                           05           02/16/03          0
    0234423                              O            01/16/33
    0

    8414735          950/G01             F          191,000.00         ZZ
                                         360        190,854.66          1
                                       7.375          1,319.19        104
                                       7.125          1,319.19
    PORTLAND         OR   97231          1            01/28/03         23
    0435336144                           05           03/01/03          0
    Y22C024                              O            02/01/33
    0

    8414745          U75/G01             F          177,900.00         ZZ
                                         360        177,802.83          1
                                       9.000          1,431.42        100
                                       8.750          1,431.42
    BROOKLYN PARK    MN   55444          1            01/10/03         23
    0435339346                           05           03/01/03          0
    004393                               O            02/01/33
    0

    8414855          W39/G01             F           74,100.00         ZZ
                                         360         74,049.00          1
                                       7.875            537.28         95
                                       7.625            537.28
    ARLINGTON        TX   76018          1            01/31/03         23
    0435340419                           05           03/01/03          0
    130458                               N            02/01/33
    0

    8415171          E86/G01             F          295,000.00         ZZ
                                         360        294,786.49          1
1

                                       7.625          2,087.99        103
                                       7.375          2,087.99
    TEMECULA         CA   92591          1            01/24/03         23
    0435363445                           05           03/01/03          0
    0000267549                           O            02/01/33
    0

    8415179          Y19/G01             F          144,450.00         ZZ
                                         360        144,348.05          1
                                       7.750          1,034.86        107
                                       7.500          1,034.86
    RALEIGH          NC   27616          2            01/28/03         23
    0435344064                           05           03/01/03          0
    101352                               O            02/01/33
    0

    8415221          T15/G01             F           83,600.00         ZZ
                                         360         83,478.59          1
                                       7.625            591.72         95
                                       7.375            591.72
    MANASSAS         VA   20110          1            12/13/02         23
    0435353347                           01           02/01/03          0
    HARRIS                               N            01/01/33
    0

    8415299          E45/G01             F          140,580.00         ZZ
                                         360        140,485.67          1
                                       8.000          1,031.53         99
                                       7.750          1,031.53
    BILOXI           MS   39532          5            01/14/03         23
    0435362124                           05           03/01/03          0
    324938                               O            02/01/33
    0

    8415315          E22/G01             F          171,000.00         ZZ
                                         360        170,882.32          1
                                       7.875          1,239.87        107
                                       7.625          1,239.87
    TONEY            AL   35773          5            01/30/03         23
    0415387281                           05           03/01/03          0
    0415387281                           O            02/01/33
    0

    8415317          E22/G01             F           98,000.00         ZZ
                                         360         97,945.06          1
                                       8.875            779.73        100
                                       8.375            779.73
    DETROIT          MI   48219          1            02/05/03         23
    0415422047                           05           03/01/03          0
1

    0415422047                           O            02/01/33
    0

    8415319          E22/G01             F           94,760.00         ZZ
                                         360         94,714.60          1
                                       9.625            805.45        103
                                       9.125            805.45
    CLINTON TOWNSHI  MI   48035          5            01/31/03         23
    0415457142                           09           03/01/03          0
    0415457142                           O            02/01/33
    0

    8415329          E22/G01             F           86,000.00         ZZ
                                         360         85,942.29          1
                                       8.000            631.04        100
                                       7.750            631.04
    SALT LAKE CITY   UT   84115          1            01/22/03         23
    0415605864                           05           03/01/03          0
    0415605864                           O            02/01/33
    0

    8415367          E22/G01             F          224,200.00         ZZ
                                         360        224,067.64          1
                                       8.625          1,743.80        103
                                       8.375          1,743.80
    LAWTON           OK   73505          5            01/31/03         23
    0415751080                           05           03/01/03          0
    0415751080                           O            02/01/33
    0

    8415423          E22/G01             F          158,900.00         ZZ
                                         360        158,785.00          1
                                       7.625          1,124.68        104
                                       7.125          1,124.68
    HENDERSON        NV   89015          1            01/27/03         23
    0415805480                           03           03/01/03          0
    0415805480                           O            02/01/33
    0

    8415435          E22/G01             F          117,420.00         ZZ
                                         360        117,337.13          1
                                       7.750            841.21        103
                                       7.500            841.21
    CLANTON          AL   35045          5            01/31/03         23
    0415827252                           05           03/01/03          0
    0415827252                           O            02/01/33
    0

1

    8415455          E22/G01             F          122,800.00         ZZ
                                         360        122,706.56          1
                                       7.375            848.15        105
                                       7.125            848.15
    ALLEGAN          MI   49010          1            02/05/03         00
    0415869445                           29           03/01/03          0
    0415869445                           O            02/01/33
    0

    8415469          E22/G01             F           88,810.00         ZZ
                                         360         88,810.00          1
                                       7.750            636.25        107
                                       7.500            636.25
    MEADE            KS   67864          1            02/05/03         23
    0415892199                           05           04/01/03          0
    0415892199                           O            03/01/33
    0

    8415507          E22/G01             F          205,800.00         ZZ
                                         360        205,384.09          1
                                       7.500          1,438.98        105
                                       7.250          1,438.98
    WINDSOR          CO   80550          1            02/05/03         23
    0415919141                           05           03/01/03          0
    0415919141                           O            02/01/33
    0

    8415509          E22/G01             F           65,950.00         ZZ
                                         360         65,902.27          1
                                       7.625            466.79        104
                                       7.375            466.79
    ELKHART          IN   46517          1            02/05/03         23
    0415920982                           05           03/01/03          0
    0415920982                           O            02/01/33
    0

    8415513          E22/G01             F          142,140.00         ZZ
                                         360        142,062.36          1
                                       9.000          1,143.69        103
                                       8.750          1,143.69
    MILACA           MN   56353          5            01/31/03         23
    0415923093                           05           03/01/03          0
    0415923093                           O            02/01/33
    0

    8415541          E22/G01             F          158,350.00         ZZ
                                         360        158,238.24          1
                                       7.750          1,134.44        107
                                       7.250          1,134.44
1

    ROUND LAKE BEAC  IL   60073          5            01/31/03         23
    0415951979                           05           03/01/03          0
    0415951979                           O            02/01/33
    0

    8415563          E22/G01             F          228,000.00         ZZ
                                         360        227,834.98          1
                                       7.625          1,613.77         95
                                       7.375          1,613.77
    AUSTIN           TX   78703          1            01/30/03         23
    0415966142                           05           03/01/03          0
    0415966142                           N            02/01/33
    0

    8415565          E22/G01             F          191,900.00         ZZ
                                         360        191,761.10          1
                                       7.625          1,358.26         95
                                       7.375          1,358.26
    AUSTIN           TX   78703          1            01/30/03         23
    0415966209                           05           03/01/03          0
    0415966209                           N            02/01/33
    0

    8415567          E22/G01             F          122,000.00         ZZ
                                         360        121,933.36          1
                                       9.000            981.64        100
                                       8.750            981.64
    PAGELAND         SC   29728          2            01/31/03         23
    0415968502                           05           03/01/03          0
    0415968502                           O            02/01/33
    0

    8415587          E22/G01             F          208,650.00         ZZ
                                         360        208,483.15          1
                                       7.125          1,405.71        107
                                       6.625          1,405.71
    SOUTH LAKE TAHO  CA   96150          1            01/28/03         23
    0416000222                           05           03/01/03          0
    0416000222                           O            02/01/33
    0

    8415603          E22/G01             F          166,860.00         ZZ
                                         360        166,860.00          1
                                       9.000          1,342.59        103
                                       8.750          1,342.59
    LONGMONT         CO   80501          1            02/05/03         23
    0416024206                           05           04/01/03          0
    0416024206                           O            03/01/33
    0
1

    8415605          E22/G01             F          166,320.00         ZZ
                                         360        166,224.31          1
                                       8.750          1,308.44         99
                                       8.250          1,308.44
    SALEM            OR   97305          1            01/29/03         23
    0416031698                           05           03/01/03          0
    0416031698                           O            02/01/33
    0

    8415607          E22/G01             F           86,520.00         ZZ
                                         360         86,461.95          1
                                       8.000            634.85        103
                                       7.500            634.85
    NILES            MI   49120          5            01/31/03         23
    0416041341                           05           03/01/03          0
    0416041341                           O            02/01/33
    0

    8415611          E22/G01             F           76,000.00         ZZ
                                         360         75,951.54          1
                                       8.250            570.96         95
                                       8.000            570.96
    MUNCIE           IN   47304          1            02/05/03         23
    0416048056                           05           03/01/03          0
    0416048056                           N            02/01/33
    0

    8415621          E22/G01             F          173,375.00         ZZ
                                         360        173,264.44          1
                                       8.250          1,302.51         95
                                       8.000          1,302.51
    SALT LAKE CITY   UT   84117          1            02/03/03         23
    0416081990                           01           03/01/03          0
    0416081990                           N            02/01/33
    0

    8415657          W77/G01             F           97,850.00         ZZ
                                         360         97,801.87          1
                                       9.500            822.78        103
                                       9.250            822.78
    LAREDO           TX   78041          1            01/30/03         23
    0435438601                           05           03/01/03          0
    W0212061                             O            02/01/33
    0

    8415741          N67/G01             F           89,900.00         ZZ
                                         360         89,844.13          1
1

                                       8.375            683.30        106
                                       8.125            683.30
    BUFFALO          NY   14215          2            01/15/03         23
    0435358007                           05           03/01/03          0
    3274006129                           O            02/01/33
    0

    8415745          W77/G01             F          101,650.00         ZZ
                                         360        101,578.26          1
                                       7.750            728.23        107
                                       7.500            728.23
    FORT WORTH       TX   76133          1            01/31/03         23
    0435368170                           05           03/01/03          0
    W0301056                             O            02/01/33
    0

    8415773          W89/G01             F           99,910.00         ZZ
                                         180         99,851.01          1
                                       8.625            777.09        103
                                       8.375            777.09
    WICHITA          KS   67216          2            01/27/03         23
    0435344734                           05           03/01/03          0
    4440255288                           O            02/01/18
    0

    8415959          E57/G01             F          189,000.00         ZZ
                                         360        188,856.18          1
                                       7.375          1,305.38        100
                                       7.125          1,305.38
    VICTORVILLE      CA   92392          1            01/13/03         23
    0435344940                           05           03/01/03          0
    06013100                             O            02/01/33
    0

    8416101          069/G01             F          123,150.00         ZZ
                                         360        123,063.07          1
                                       7.750            882.27        100
                                       7.500            882.27
    LOS ANGELES      CA   90003          1            01/17/03         23
    0435340385                           05           03/01/03          0
    351-88397963                         O            02/01/33
    0

    8416133          G27/G01             F          150,000.00         ZZ
                                         360        149,888.68          1
                                       7.500          1,048.82        100
                                       7.250          1,048.82
    SPANISH FORK     UT   84660          1            01/27/03         23
    0435342910                           05           03/01/03          0
1

    24803003                             O            02/01/33
    0

    8416241          U19/G01             F          178,998.00         ZZ
                                         360        178,871.67          1
                                       7.750          1,282.36        100
                                       7.500          1,282.36
    ALBUQUERQUE      NM   87120          1            02/03/03         23
    0435368089                           05           03/01/03          0
    11000223                             O            02/01/33
    0

    8416409          Q14/G01             F          141,000.00         ZZ
                                         360        140,897.58          1
                                       7.750          1,010.14        105
                                       7.500          1,010.14
    CHANDLER         AZ   85224          2            01/28/03         23
    0435330279                           05           03/01/03          0
    00000210591                          O            02/01/33
    0

    8416455          Q14/G01             F           90,640.00         ZZ
                                         360         90,589.19          1
                                       8.875            721.17        103
                                       8.625            721.17
    OMAHA            NE   68104          5            01/30/03         23
    0435330808                           05           03/01/03          0
    0000210656                           O            02/01/33
    0

    8416575          313/G01             F           78,110.00         ZZ
                                         360         78,052.03          1
                                       7.500            546.16        107
                                       7.250            546.16
    NEW PORT RICHEY  FL   34652          1            01/31/03         23
    0435343686                           05           03/01/03          0
    0009293903                           O            02/01/33
    0

    8416645          642/G01             F           85,600.00         ZZ
                                         180         85,335.76          1
                                       7.250            781.41        107
                                       7.000            781.41
    INKSTER          MI   48141          2            01/27/03         23
    0435338744                           05           03/01/03          0
    11154602                             O            02/01/18
    0

1

    8416701          N67/G01             F          142,800.00         ZZ
                                         180        142,699.21          1
                                       7.750          1,023.04        101
                                       7.500          1,023.04
    ALBUQUERQUE      NM   87107          2            01/10/03         23
    0435320106                           05           03/01/03          0
    1161002487                           O            02/01/18
    0

    8418033          W39/G01             F          201,900.00         ZZ
                                         360        201,900.00          1
                                       8.125          1,499.11        100
                                       7.875          1,499.11
    COLORADO SPRING  CO   80918          1            02/04/03         23
    0435339866                           05           04/01/03          0
    PNI30396                             O            03/01/33
    0

    8418055          B44/G01             F          113,905.00         ZZ
                                         360        113,822.56          1
                                       7.625            806.21         95
                                       7.375            806.21
    MERIDIAN         ID   83642          1            01/16/03         23
    0435339338                           03           03/01/03          0
    4021871                              O            02/01/33
    0

    8418057          Q14/G01             F          188,000.00         ZZ
                                         360        187,877.03          1
                                       8.125          1,395.89        102
                                       7.875          1,395.89
    MESA             AZ   85212          2            01/22/03         23
    0435329503                           03           03/01/03          0
    0000210835                           O            02/01/33
    0

    8418061          U35/G01             F          283,250.00         ZZ
                                         360        283,250.00          1
                                       8.125          2,103.12        103
                                       7.875          2,103.12
    MURIETTA         CA   92563          5            01/31/03         23
    0435346432                           05           04/01/03          0
    0007700191                           O            03/01/33
    0

    8418075          W39/G01             F          226,600.00         ZZ
                                         360        226,472.96          1
                                       8.875          1,802.94        103
                                       8.625          1,802.94
1

    BROWNSVILLE      TX   78521          1            01/28/03         23
    0435354295                           05           03/01/03          0
    PND30000                             O            02/01/33
    0

    8418083          U35/G01             F          109,350.00         ZZ
                                         360        109,274.75          2
                                       7.875            792.86        105
                                       7.625            792.86
    FRESNO           CA   93702          1            02/03/03         23
    0435344528                           05           03/01/03          0
    10735291                             O            02/01/33
    0

    8418087          Q64/G01             F           39,900.00         ZZ
                                         360         39,873.90          1
                                       8.125            296.26         95
                                       7.875            296.26
    ST PETERSBURG    FL   33712          1            01/30/03         23
    0435343652                           05           03/01/03          0
    0105852503                           N            02/01/33
    0

    8418211          964/G01             F          229,900.00         ZZ
                                         360        229,733.60          1
                                       7.625          1,627.22        103
                                       7.375          1,627.22
    AUBURN           WA   98002          5            01/22/03         23
    0435328778                           03           03/01/03          0
    325028                               O            02/01/33
    0

    8418277          Q64/G01             F          143,700.00         ZZ
                                         360        143,601.10          1
                                       7.875          1,041.93        107
                                       7.625          1,041.93
    WOODRUFF         SC   29388          2            01/27/03         23
    0435340559                           05           03/01/03          0
    0105968200                           O            02/01/33
    0

    8418571          U45/G01             F          155,150.00         ZZ
                                         360        155,150.00          1
                                       8.000          1,138.44        107
                                       7.750          1,138.44
    BROOKLYN         CT   06234          1            02/03/03         23
    0435330386                           05           04/01/03          0
    002402542                            O            03/01/33
    0
1

    8418983          U05/G01             F          133,750.00         ZZ
                                         360        133,653.20          1
                                       7.625            946.67        107
                                       7.375            946.67
    BAKERSFIELD      CA   93313          5            01/24/03         23
    0435377858                           05           03/01/03          0
    3294705                              O            02/01/33
    0

    8419091          U05/G01             F          101,950.00         ZZ
                                         360        101,888.24          1
                                       8.500            783.91        103
                                       8.250            783.91
    VALPARAISO       IN   46385          2            01/21/03         23
    0435332051                           05           03/01/03          0
    3299695                              O            02/01/33
    0

    8419121          K15/G01             F          173,000.00         ZZ
                                         360        172,895.20          1
                                       8.500          1,330.22        103
                                       8.250          1,330.22
    FLORENCE         KY   41042          5            01/25/03         23
    0435340724                           05           03/01/03          0
    028105505930                         O            02/01/33
    0

    8419139          U05/G01             F          240,500.00         ZZ
                                         360        240,342.68          2
                                       8.125          1,785.71        100
                                       7.875          1,785.71
    SACRAMENTO       CA   95827          1            01/09/03         23
    0435374178                           05           03/01/03          0
    3287385                              O            02/01/33
    0

    8419141          U05/G01             F          267,800.00         ZZ
                                         360        267,633.55          1
                                       8.375          2,035.47        103
                                       8.125          2,035.47
    HOCKESSIN        DE   19707          5            01/21/03         23
    0435327978                           03           03/01/03          0
    3292182                              O            02/01/33
    0

    8419173          U05/G01             F          110,650.00         ZZ
                                         360        110,573.85          1
1

                                       7.875            802.29         95
                                       7.625            802.29
    WILLAMINA        OR   97396          1            01/17/03         23
    0435330667                           05           03/01/03          0
    3300184                              N            02/01/33
    0

    8419175          K15/G01             F           87,900.00         ZZ
                                         360         87,730.70          1
                                       8.250            660.36        100
                                       8.000            660.36
    LOUISVILLE       KY   40206          1            11/27/02         23
    0435348404                           05           01/01/03          0
    048000112090                         O            12/01/32
    0

    8419181          R49/G01             F           36,100.00         ZZ
                                         360         36,077.56          1
                                       8.375            274.39         95
                                       8.125            274.39
    PENSACOLA        FL   32505          1            01/14/03         23
    0435345327                           05           03/01/03          0
    02120030                             N            02/01/33
    0

    8419197          K15/G01             F          123,000.00         ZZ
                                         360        122,931.05          1
                                       8.875            978.64        103
                                       8.625            978.64
    MARY ESTHER      FL   32569          5            01/17/03         23
    0435339361                           05           03/01/03          0
    009305505101                         O            02/01/33
    0

    8419225          U05/G01             F          223,630.00         ZZ
                                         360        223,468.14          1
                                       7.625          1,582.84        107
                                       7.375          1,582.84
    CITRUS HEIGHTS   CA   95621          1            01/09/03         23
    0435331939                           05           03/01/03          0
    3297644                              O            02/01/33
    0

    8419255          W95/G01             F           74,900.00         ZZ
                                         360         74,855.77          1
                                       8.625            582.57        107
                                       8.375            582.57
    ORLANDO          FL   32825          5            01/27/03         23
    0435398391                           05           03/01/03          0
1

    2311210010687                        O            02/01/33
    0

    8419323          K15/G01             F           89,000.00         ZZ
                                         360         88,951.39          1
                                       9.000            716.11         99
                                       8.750            716.11
    ANGOLA           NY   14006          5            01/17/03         23
    0435367883                           05           03/01/03          0
    020705507392                         O            02/01/33
    0

    8419485          X92/G01             F          158,000.00         ZZ
                                         360        157,918.09          1
                                       9.250          1,299.83        100
                                       9.000          1,299.83
    MILLINGTON       TN   38053          5            01/29/03         23
    0435348263                           05           03/03/03          0
    20301063                             O            02/03/33
    0

    8419811          L03/G01             F          181,000.00         ZZ
                                         360        180,872.25          1
                                       7.750          1,296.71        103
                                       7.500          1,296.71
    AVONDALE         AZ   85323          2            01/23/03         23
    0435345921                           03           03/01/03          0
    40009510                             O            02/01/33
    0

    8420237          R65/G01             F          250,000.00         ZZ
                                         360        249,819.06          1
                                       7.625          1,769.48        107
                                       7.375          1,769.48
    WOODBRIDGE       VA   22193          2            01/03/03         23
    0435380993                           05           03/01/03          0
    41979562414197                       O            02/01/33
    0

    8420243          R80/G01             F          133,150.00         ZZ
                                         360        133,073.39          1
                                       8.750          1,047.50        103
                                       8.500          1,047.50
    ALBUQUERQUE      NM   87109          1            01/28/03         23
    0435340161                           05           03/01/03          0
    10113                                O            02/01/33
    0

1

    8420435          737/G01             F           71,250.00         ZZ
                                         360         71,197.12          1
                                       7.500            498.19         95
                                       7.250            498.19
    MIDLOTHIAN       TX   76065          1            01/29/03         23
    0435336771                           05           03/01/03          0
    2105673                              N            02/01/33
    0

    8420595          737/G01             F           98,000.00         T
                                         360         97,932.56          1
                                       7.875            710.57         98
                                       7.625            710.57
    GLENDALE         AZ   85301          1            01/29/03         23
    0435350160                           05           03/01/03          0
    2105392                              O            02/01/33
    0

    8420723          R49/G01             F           44,940.00         ZZ
                                         360         44,907.48          1
                                       7.625            318.08        107
                                       7.375            318.08
    EVANSVILLE       IN   47714          1            01/27/03         00
    0435345889                           05           03/01/03          0
    02120069                             O            02/01/33
    0

    8421377          U75/G01             F          160,000.00         ZZ
                                         360        159,921.30          1
                                       9.500          1,345.37        100
                                       9.250          1,345.37
    NORTH BRANCH     MN   55056          1            01/10/03         23
    0435344213                           05           03/01/03          0
    001451                               O            02/01/33
    0

    8421515          E22/G01             F          198,500.00         ZZ
                                         360        198,341.26          1
                                       7.125          1,337.33        103
                                       6.625          1,337.33
    RIVERSIDE        CA   92506          1            01/28/03         23
    0415756048                           05           03/01/03          0
    0415756048                           O            02/01/33
    0

    8421577          E22/G01             F          100,000.00         ZZ
                                         360        100,000.00          1
                                       8.875            795.64        100
                                       8.375            795.64
1

    LAKELAND         FL   33813          1            02/06/03         23
    0416035038                           01           04/01/03          0
    0416035038                           O            03/01/33
    0

    8421597          E22/G01             F           52,250.00         ZZ
                                         360         52,214.94          1
                                       8.000            383.39         95
                                       7.750            383.39
    HAZEL CREST      IL   60429          1            02/06/03         23
    0416080133                           05           03/01/03          0
    0416080133                           N            02/01/33
    0

    8421601          E22/G01             F           88,825.00         ZZ
                                         360         88,763.87          1
                                       7.875            644.04         95
                                       7.625            644.04
    LOS ANGELES      CA   90003          1            01/29/03         23
    0416090819                           05           03/01/03          0
    0416090819                           N            02/01/33
    0

    8421775          588/G01             F          244,620.00         ZZ
                                         360        244,227.60          1
                                       7.125          1,648.05        106
                                       6.875          1,648.05
    LEESBURG         VA   20176          1            01/03/03         23
    0435349352                           09           02/01/03          0
    1083258                              O            01/01/33
    0

    8422375          588/G01             F          231,750.00         ZZ
                                         180        231,475.36          1
                                       8.625          1,802.53        103
                                       8.375          1,802.53
    BRICK TOWNSHIP   NJ   08724          1            12/10/02         23
    0435420500                           05           02/01/03          0
    1080159                              O            01/01/18
    0

    8422817          K15/G01             F          138,000.00         ZZ
                                         360        137,943.66          1
                                      10.375          1,249.46        103
                                      10.125          1,249.46
    TACOMA           WA   98445          5            01/10/03         23
    0435341730                           05           03/01/03          0
    021005505015                         O            02/01/33
    0
1

    8422851          K15/G01             F          117,100.00         ZZ
                                         360        117,023.40          1
                                       8.125            869.46        107
                                       7.875            869.46
    PACE             FL   32571          5            01/27/03         23
    0435344379                           05           03/01/03          0
    009305506154                         O            02/01/33
    0

    8422933          K15/G01             F          122,300.00         ZZ
                                         360        122,229.64          2
                                       8.750            962.13        103
                                       8.500            962.13
    RENSSELAER       NY   12144          5            01/27/03         23
    0435343934                           05           03/01/03          0
    027305508654                         O            02/01/33
    0

    8423051          964/G01             F          172,200.00         ZZ
                                         360        172,103.46          1
                                       8.875          1,370.10        100
                                       8.625          1,370.10
    LAS VEGAS        NV   89123          1            01/24/03         23
    0435343124                           05           03/01/03          0
    341712                               O            02/01/33
    0

    8423111          K15/G01             F          101,800.00         ZZ
                                         360        101,733.41          1
                                       8.125            755.86        100
                                       7.875            755.86
    GILBERT          PA   18331          1            01/21/03         23
    0435341839                           05           03/01/03          0
    052500111749                         O            02/01/33
    0

    8423191          R49/G01             F          177,000.00         ZZ
                                         360        176,889.98          1
                                       8.375          1,345.33        100
                                       8.125          1,345.33
    GAITHERSBURG     MD   20877          1            01/17/03         23
    0435344551                           09           03/01/03          0
    SD02110018                           O            02/01/33
    0

    8423325          F64/G01             F          115,200.00         ZZ
                                         360        115,044.58          2
1

                                       7.990            844.49        100
                                       7.740            844.49
    ROANOKE          VA   24016          1            12/10/02         23
    0435408570                           05           02/01/03          0
    00004521                             O            01/01/33
    0

    8423389          M45/G01             F          152,675.00         ZZ
                                         360        152,595.85          1
                                       9.250          1,256.02        102
                                       9.000          1,256.02
    ALBUQUERQUE      NM   87120          1            01/03/03         23
    0435359237                           05           03/01/03          0
    A0414043                             O            02/01/33
    0

    8423423          M45/G01             F          273,000.00         ZZ
                                         360        272,676.48          1
                                       8.625          2,123.37        100
                                       8.375          2,123.37
    NASHVILLE        TN   37205          1            12/31/02         23
    0435336904                           05           02/01/03          0
    A0411418                             O            01/01/33
    0

    8423465          B28/G01             F          184,000.00         ZZ
                                         360        183,863.45          1
                                       7.500          1,286.55        100
                                       7.250          1,286.55
    ENGLEWOOD        CO   80110          1            01/24/03         23
    0435358239                           05           03/01/03          0
    02100068                             O            02/01/33
    0

    8423483          J95/G01             F          150,900.00         ZZ
                                         360        150,803.77          1
                                       8.250          1,133.67        100
                                       8.000          1,133.67
    HAGERSTOWN       MD   21742          1            01/27/03         23
    0435332937                           05           03/01/03          0
    0041029901                           O            02/01/33
    0

    8423513          H76/G01             F          128,750.00         ZZ
                                         360        128,667.90          1
                                       8.250            967.26        103
                                       8.000            967.26
    TUNKHANNOCK      PA   18657          5            01/31/03         23
    0435355102                           05           03/01/03          0
1

    2003471315                           O            02/01/33
    0

    8423603          W40/G01             F          189,000.00         T
                                         360        189,000.00          1
                                       8.500          1,453.25        105
                                       8.250          1,453.25
    PHOENIX          AZ   85028          1            02/03/03         23
    0435341441                           05           04/01/03          0
    100017020                            O            03/01/33
    0

    8423609          E65/G01             F          105,060.00         ZZ
                                         360        104,996.35          1
                                       8.500            807.82        100
                                       8.250            807.82
    ROSEVILLE        MI   48066          5            01/24/03         23
    0435344965                           05           03/01/03          0
    255460                               O            02/01/33
    0

    8423711          A42/G01             F          224,000.00         ZZ
                                         360        223,867.75          1
                                       8.625          1,742.25        107
                                       8.375          1,742.25
    EASLEY           SC   29642          2            01/20/03         23
    0435363437                           05           03/01/03          0
    1311458                              O            02/01/33
    0

    8424171          E65/G01             F           45,241.00         ZZ
                                         306         45,193.30          1
                                       7.750            339.88        107
                                       7.500            339.88
    DETROIT          MI   48228          1            01/24/03         23
    0435350210                           05           03/01/03          0
    255501                               O            08/01/28
    0

    8424333          Q64/G01             F          113,150.00         ZZ
                                         360        113,088.19          1
                                       9.000            910.44        103
                                       8.750            910.44
    RICHMOND         VA   23234          1            01/31/03         23
    0435346408                           05           03/01/03          0
    0106065600                           O            02/01/33
    0

1

    8424347          U19/G01             F           85,490.00         ZZ
                                         360         85,443.31          1
                                       9.000            687.87        103
                                       8.750            687.87
    MESA             AZ   85208          1            01/31/03         23
    0435344601                           05           03/01/03          0
    11000242                             O            02/01/33
    0

    8424491          Q64/G01             F           66,500.00         ZZ
                                         360         66,456.49          1
                                       8.125            493.77        100
                                       7.875            493.77
    MEMPHIS          TN   38107          1            01/29/03         23
    0435421334                           05           03/01/03          0
    0305767006                           O            02/01/33
    0

    8425783          X21/G01             F          158,500.00         ZZ
                                         360        158,366.83          1
                                       6.875          1,041.24        107
                                       6.625          1,041.24
    OWINGS MILLS     MD   21117          1            01/27/03         23
    0435343918                           05           03/01/03          0
    706231                               O            02/01/33
    0

    8425819          K15/G01             F           92,500.00         ZZ
                                         360         92,384.60          1
                                       8.375            703.07        107
                                       8.125            703.07
    TAMPA            FL   33619          1            12/19/02         23
    0435353891                           05           02/01/03          0
    050100112851                         O            01/01/33
    0

    8425931          K15/G01             F          161,700.00         ZZ
                                         360        161,700.00          1
                                       8.625          1,257.69        103
                                       8.375          1,257.69
    MAYFIELD         NY   12078          5            01/31/03         23
    0435380233                           05           04/01/03          0
    027305509636                         O            03/01/33
    0

    8426013          950/G01             F          193,000.00         ZZ
                                         360        192,863.78          1
                                       7.750          1,382.68        104
                                       7.500          1,382.68
1

    SHORELINE        WA   98155          1            01/31/03         23
    0435342803                           05           03/01/03          0
    EW31161                              O            02/01/33
    0

    8426333          588/G01             F          183,000.00         ZZ
                                         360        183,000.00          1
                                       7.375          1,263.94        103
                                       7.125          1,263.94
    BRANDON          MS   39047          1            02/04/03         23
    0435342878                           02           04/01/03          0
    1085471                              O            03/01/33
    0

    8426703          Y13/G01             F           69,550.00         ZZ
                                         360         69,505.65          2
                                       8.250            522.51        107
                                       8.000            522.51
    DETROIT          MI   48238          1            01/31/03         23
    0435362710                           05           03/01/03          0
    2228                                 O            02/01/33
    0

    8426815          313/G01             F          135,300.00         ZZ
                                         180        134,406.75          2
                                       7.625            957.65        106
                                       7.375            957.65
    DETROIT          MI   48235          1            02/04/03         23
    0435350509                           05           04/01/03          0
    0009245408                           O            03/01/18
    0

    8426893          642/G01             F           77,900.00         ZZ
                                         360         77,900.00          1
                                       8.250            585.24         95
                                       8.000            585.24
    JEFFERSONVILLE   IN   47130          1            02/05/03         23
    0435342639                           05           04/01/03          0
    01112903                             N            03/01/33
    0

    8426921          Q14/G01             F          137,809.00         ZZ
                                         360        137,809.00          1
                                       7.500            963.58        103
                                       7.250            963.58
    CHANDLER         AZ   85249          1            02/04/03         23
    0435337696                           05           04/01/03          0
    00000211144                          O            03/01/33
    0
1

    8426993          E22/G01             F          113,300.00         ZZ
                                         360        113,300.00          1
                                       7.750            811.70        106
                                       7.250            811.70
    ENUMCLAW         WA   98022          1            02/05/03         23
    0415677962                           05           04/01/03          0
    0415677962                           O            03/01/33
    0

    8427049          E22/G01             F          144,612.00         ZZ
                                         360        144,612.00          1
                                       7.500          1,011.15        103
                                       7.250          1,011.15
    ALABASTER        AL   35007          1            02/10/03         23
    0415884238                           05           04/01/03          0
    0415884238                           O            03/01/33
    0

    8427229          E22/G01             F          164,800.00         ZZ
                                         360        164,800.00          2
                                       9.375          1,370.72        103
                                       8.875          1,370.72
    CHICAGO          IL   60637          1            02/10/03         23
    0415775956                           05           04/01/03          0
    0415775956                           O            03/01/33
    0

    8427277          E22/G01             F          216,675.00         ZZ
                                         360        216,675.00          1
                                       7.500          1,515.02        107
                                       7.000          1,515.02
    MEMPHIS          TN   38117          2            02/04/03         23
    0416019909                           05           04/01/03          0
    0416019909                           O            03/01/33
    0

    8427299          E22/G01             F          140,000.00         ZZ
                                         360        140,000.00          1
                                       9.250          1,151.75        100
                                       8.750          1,151.75
    RIVERTON         UT   84065          1            02/04/03         23
    0416036010                           05           04/01/03          0
    0416036010                           O            03/01/33
    0

    8427307          E22/G01             F          420,000.00         ZZ
                                         360        420,000.00          1
1

                                       7.750          3,008.93        105
                                       7.500          3,008.93
    KEY BISCAYNE     FL   33149          1            02/10/03         23
    0416044097                           01           04/01/03          0
    0416044097                           O            03/01/33
    0

    8427321          U05/G01             F          242,250.00         ZZ
                                         360        242,091.53          2
                                       8.125          1,798.70         95
                                       7.875          1,798.70
    MODESTO          CA   95351          1            01/21/03         23
    0435349105                           05           03/01/03          0
    3291039                              O            02/01/33
    0

    8427341          E22/G01             F           45,320.00         ZZ
                                         360         45,320.00          1
                                       8.875            360.59        103
                                       8.375            360.59
    LAKE WORTH       FL   33467          1            02/10/03         00
    0416077188                           01           04/01/03          0
    0416077188                           O            03/01/33
    0

    8427375          U05/G01             F           99,650.00         ZZ
                                         360         99,579.67          1
                                       7.750            713.90        107
                                       7.500            713.90
    BOCA RATON       FL   33487          5            01/28/03         23
    0435349261                           01           03/01/03          0
    3297751                              O            02/01/33
    0

    8427379          U05/G01             F           99,900.00         ZZ
                                         360         99,829.49          1
                                       7.750            715.70        100
                                       7.500            715.70
    SINKING SPRINGS  PA   19608          1            01/27/03         23
    0435348917                           05           03/01/03          0
    3290683                              O            02/01/33
    0

    8427385          U05/G01             F           98,800.00         ZZ
                                         360         98,719.01          1
                                       7.000            657.32        104
                                       6.750            657.32
    HOUSTON          TX   77096          1            01/27/03         23
    0435348891                           03           03/01/03          0
1

    3307963                              O            02/01/33
    0

    8427533          F89/G01             F          165,000.00         ZZ
                                         360        164,905.07          1
                                       8.750          1,298.06        100
                                       8.500          1,298.06
    LOS ANGELES      CA   90003          1            01/10/03         23
    0435367958                           05           03/01/03          0
    26095                                O            02/01/33
    0

    8427625          Q78/G01             F           66,300.00         ZZ
                                         360         66,300.00          1
                                       7.750            474.99        106
                                       7.500            474.99
    SAINT LOUIS      MO   63134          2            01/30/03         23
    0435352745                           05           04/01/03          0
    722367                               O            03/01/33
    0

    8427631          Q78/G01             F          156,750.00         ZZ
                                         360        156,750.00          1
                                       8.125          1,163.87        105
                                       7.875          1,163.87
    TEMPE            AZ   85283          2            02/04/03         23
    0435342894                           05           04/01/03          0
    722250                               O            03/01/33
    0

    8427635          S53/G01             F          160,500.00         ZZ
                                         180        160,500.00          1
                                       8.490          1,232.97         95
                                       8.240          1,232.97
    EDEN PRAIRIE     MN   55347          1            02/04/03         23
    0435381868                           01           04/01/03          0
    9843040                              O            03/01/18
    0

    8427693          F34/G01             F          197,950.00         ZZ
                                         360        197,950.00          1
                                       8.625          1,539.64        107
                                       8.375          1,539.64
    AUBURN           ME   04210          5            02/01/03         23
    0435352596                           05           04/01/03          0
    E1CE1A8289A                          O            03/01/33
    0

1

    8427705          R49/G01             F          118,347.00         ZZ
                                         360        118,290.30          1
                                       9.625          1,005.94        103
                                       9.375          1,005.94
    CHESAPEAKE       VA   23325          1            01/29/03         23
    0435408273                           05           03/01/03          0
    SD02120040                           O            02/01/33
    0

    8427845          964/G01             F          235,000.00         ZZ
                                         360        235,000.00          1
                                       7.125          1,583.24         99
                                       6.875          1,583.24
    BEND             OR   97701          1            02/03/03         23
    0435349691                           03           04/01/03          0
    350702                               O            03/01/33
    0

    8427959          964/G01             F           76,650.00         ZZ
                                         360         76,590.20          1
                                       7.250            522.89        103
                                       7.000            522.89
    BEAUMONT         TX   77706          1            01/29/03         23
    0435343082                           05           03/01/03          0
    340668                               O            02/01/33
    0

    8428039          964/G01             F          250,000.00         ZZ
                                         360        249,823.55          1
                                       7.750          1,791.03        105
                                       7.500          1,791.03
    LAS VEGAS        NV   89110          5            01/27/03         23
    0435343603                           05           03/01/03          0
    320038                               O            02/01/33
    0

    8428099          737/G01             F          137,000.00         ZZ
                                         360        136,919.12          1
                                       8.625          1,065.57        102
                                       8.375          1,065.57
    PEORIA           AZ   85381          2            01/24/03         23
    0435350095                           05           03/01/03          0
    2105772                              O            02/01/33
    0

    8428421          P01/G01             F          153,700.00         ZZ
                                         360        153,596.87          1
                                       8.000          1,127.80        106
                                       7.750          1,127.80
1

    SCHENECTADY      NY   12306          1            01/24/03         23
    0435358080                           05           03/01/03          0
    02003347                             O            02/01/33
    0

    8429121          Q64/G01             F           87,900.00         ZZ
                                         360         87,900.00          1
                                       8.125            652.66        100
                                       7.875            652.66
    SUMMERVILLE      SC   29483          1            02/05/03         23
    0435395645                           05           04/01/03          0
    0106155302                           O            03/01/33
    0

    8430099          X47/G01             F          197,200.00         ZZ
                                         360        197,077.43          1
                                       8.375          1,498.86        100
                                       8.125          1,498.86
    LEAGUE CITY      TX   77573          1            01/30/03         23
    0435350863                           05           03/01/03          0
    K11601                               O            02/01/33
    0

    8430251          737/G01             F          290,000.00         ZZ
                                         360        289,790.11          1
                                       7.625          2,052.60        100
                                       7.375          2,052.60
    GARDENA          CA   90248          1            01/24/03         23
    0435354261                           05           03/01/03          0
    1847078                              O            02/01/33
    0

    8430297          737/G01             F          295,000.00         ZZ
                                         360        294,807.03          2
                                       8.125          2,190.37        100
                                       7.875          2,190.37
    LONG BEACH       CA   90807          1            01/17/03         23
    0435344981                           05           03/01/03          0
    1838663                              O            02/01/33
    0

    8430301          737/G01             F          298,530.00         ZZ
                                         360        298,306.22          1
                                       7.450          2,077.15        107
                                       7.200          2,077.15
    CORONA           CA   92881          1            01/30/03         23
    0435345418                           03           03/01/03          0
    1847482                              O            02/01/33
    0
1

    8430491          F89/G01             F          174,500.00         ZZ
                                         360        174,367.22          1
                                       7.375          1,205.23        100
                                       7.125          1,205.23
    COLTON           CA   92324          1            01/23/03         23
    0435368485                           05           03/01/03          0
    11126648                             O            02/01/33
    0

    8430507          K15/G01             F          117,400.00         ZZ
                                         360        117,241.93          1
                                       8.000            861.44         95
                                       7.750            861.44
    ARLINGTON        TX   76016          1            12/05/02         23
    0435353388                           05           02/01/03          0
    010300112284                         N            01/01/33
    0

    8430523          E86/G01             F          106,050.00         ZZ
                                         360        105,969.31          1
                                       7.375            732.46         95
                                       7.125            732.46
    BLUFFTON         SC   29910          1            01/29/03         23
    0435347901                           09           03/01/03          0
    0000263737                           N            02/01/33
    0

    8430539          W35/G01             F           90,640.00         ZZ
                                         360         90,584.52          1
                                       8.450            693.74        103
                                       8.200            693.74
    INDIANAPOLIS     IN   46222          1            01/17/03         23
    0435353784                           05           03/01/03          0
    16497                                O            02/01/33
    0

    8430611          K15/G01             F          236,900.00         ZZ
                                         360        236,900.00          1
                                       9.250          1,948.92        103
                                       9.000          1,948.92
    OAKDALE          MN   55128          5            01/31/03         23
    0435350343                           05           04/01/03          0
    001330005510459                      O            03/01/33
    0

    8430643          J95/G01             F          131,840.00         ZZ
                                         360        131,744.57          1
1

                                       7.625            933.16        103
                                       7.375            933.16
    SURPRISE         AZ   85374          1            01/27/03         23
    0435341391                           03           03/01/03          0
    0041116146                           O            02/01/33
    0

    8431367          737/G01             F           60,000.00         ZZ
                                         360         60,000.00          1
                                       8.250            450.76        100
                                       8.000            450.76
    WHITEHOUSE       TX   75791          1            02/05/03         23
    0435346887                           05           04/01/03          0
    2106499                              O            03/01/33
    0

    8431535          W53/G01             F          104,500.00         ZZ
                                         360        104,355.69          1
                                       7.875            757.70         95
                                       7.625            757.70
    LAKELAND         FL   33811          1            01/03/03         23
    0435351523                           05           02/01/03          0
    1302000549                           N            01/01/33
    0

    8431611          R65/G01             F          157,000.00         ZZ
                                         360        156,886.36          1
                                       7.625          1,111.24        105
                                       7.375          1,111.24
    WASHINGTON       DC   20001          1            01/27/03         23
    0435366646                           07           03/01/03          0
    42017373354201                       O            02/01/33
    0

    8431655          W47/G01             F           99,395.00         ZZ
                                         180         99,306.70          1
                                      10.000            872.26        103
                                       9.750            872.26
    DOLTON           IL   60419          1            01/22/03         23
    0435384730                           05           02/22/03          0
    WH021216                             O            01/22/18
    0

    8431669          W47/G01             F          170,000.00         ZZ
                                         180        169,754.36          1
                                       7.650          1,206.18         94
                                       7.400          1,206.18
    GLENDALE HEIGHT  IL   60139          1            01/21/03         23
    0435428784                           01           02/21/03          0
1

    WH021200                             O            01/21/18
    0

    8432251          Q64/G01             F          118,800.00         ZZ
                                         360        118,718.24          1
                                       7.875            861.39         99
                                       7.625            861.39
    CLEVELAND        TN   37312          5            01/27/03         23
    0435361001                           05           03/01/03          0
    0305998304                           O            02/01/33
    0

    8432429          588/G01             F          157,000.00         ZZ
                                         360        156,639.40          1
                                       7.375          1,084.36        105
                                       7.125          1,084.36
    WOODBRIDGE       VA   22193          1            11/22/02         23
    0435428297                           05           01/01/03          0
    1080673                              O            12/01/32
    0

    8432541          E22/G01             F          125,250.00         ZZ
                                         360        125,179.78          1
                                       8.875            996.55        101
                                       8.375            996.55
    ELIZABETH        NJ   07206          5            02/03/03         23
    0415249721                           05           03/01/03          0
    0415249721                           O            02/01/33
    0

    8432543          E22/G01             F           81,320.00         ZZ
                                         360         81,268.15          1
                                       8.250            610.93        107
                                       8.000            610.93
    VINE GROVE       KY   40175          5            02/03/03         23
    0415453380                           05           03/01/03          0
    0415453380                           O            02/01/33
    0

    8432547          E22/G01             F           64,299.00         ZZ
                                         360         64,299.00          1
                                       8.375            488.72        103
                                       8.125            488.72
    INDIANAPOLIS     IN   46220          1            02/07/03         23
    0415459908                           05           04/01/03          0
    0415459908                           O            03/01/33
    0

1

    8432551          E22/G01             F          216,300.00         ZZ
                                         360        216,172.30          1
                                       8.625          1,682.36        103
                                       8.375          1,682.36
    BELLEVUE         WA   98004          5            02/03/03         23
    0415517424                           01           03/01/03          0
    0415517424                           O            02/01/33
    0

    8432589          E22/G01             F          129,750.00         ZZ
                                         360        128,971.64          1
                                       8.625          1,009.18        103
                                       8.375          1,009.18
    NEW BOSTON       MI   48164          1            12/06/02         23
    0415631654                           05           02/01/03          0
    0415631654                           O            01/01/33
    0

    8432591          E22/G01             F          268,100.00         ZZ
                                         360        267,957.33          1
                                       9.125          2,181.35        103
                                       8.625          2,181.35
    FRONT ROYAL      VA   22630          5            01/30/03         23
    0415907732                           05           03/01/03          0
    0415907732                           O            02/01/33
    0

    8432609          E22/G01             F           93,200.00         ZZ
                                         360         93,200.00          1
                                       9.000            749.91        103
                                       8.750            749.91
    ALBANY           OR   97321          1            02/03/03         23
    0415693902                           05           04/01/03          0
    0415693902                           O            03/01/33
    0

    8432717          E22/G01             F          328,400.00         ZZ
                                         360        328,400.00          1
                                       7.750          2,352.70        103
                                       7.500          2,352.70
    SACRAMENTO       CA   95829          1            02/04/03         23
    0415799774                           05           04/01/03          0
    0415799774                           O            03/01/33
    0

    8432781          E22/G01             F          123,600.00         ZZ
                                         360        123,600.00          1
                                       8.125            917.73        103
                                       7.875            917.73
1

    GADSDEN          AL   35901          1            02/11/03         23
    0416017937                           05           04/01/03          0
    0416017937                           O            03/01/33
    0

    8432813          E22/G01             F          248,500.00         ZZ
                                         360        248,500.00          1
                                       7.500          1,737.55        106
                                       7.250          1,737.55
    HAVERHILL        MA   01832          1            02/07/03         23
    0415883735                           01           04/01/03          0
    0415883735                           O            03/01/33
    0

    8432817          E22/G01             F          175,000.00         ZZ
                                         360        174,873.34          1
                                       7.625          1,238.64        103
                                       7.375          1,238.64
    CLINTON          MS   39056          2            02/03/03         23
    0415894609                           05           03/01/03          0
    0415894609                           O            02/01/33
    0

    8432823          E22/G01             F          104,900.00         ZZ
                                         360        104,900.00          1
                                       7.875            760.60        106
                                       7.375            760.60
    TAMPA            FL   33616          1            02/11/03         23
    0416056265                           05           04/01/03          0
    0416056265                           O            03/01/33
    0

    8432837          E22/G01             F          110,500.00         ZZ
                                         360        110,500.00          1
                                       7.750            791.64        105
                                       7.500            791.64
    SUMMERVILLE      SC   29483          1            02/07/03         23
    0415915909                           05           04/01/03          0
    0415915909                           O            03/01/33
    0

    8432857          E22/G01             F          149,800.00         ZZ
                                         360        149,686.02          1
                                       7.375          1,034.63        107
                                       6.875          1,034.63
    NACHES           WA   98937          5            01/30/03         23
    0415923192                           05           03/01/03          0
    0415923192                           O            02/01/33
    0
1

    8432873          E22/G01             F          286,300.00         ZZ
                                         360        286,300.00          1
                                       8.375          2,176.09        103
                                       7.875          2,176.09
    SEATTLE          WA   98115          1            02/05/03         23
    0415925932                           05           04/01/03          0
    0415925932                           O            03/01/33
    0

    8432897          E22/G01             F           92,150.00         ZZ
                                         360         92,150.00          2
                                       8.375            700.41         95
                                       8.125            700.41
    WARREN           MI   48089          1            02/07/03         23
    0415946037                           05           04/01/03          0
    0415946037                           N            03/01/33
    0

    8432925          E22/G01             F          165,700.00         ZZ
                                         360        165,700.00          1
                                       7.750          1,187.10        103
                                       7.500          1,187.10
    SANDUSKY         OH   44870          1            02/07/03         23
    0415976810                           05           04/01/03          0
    0415976810                           O            03/01/33
    0

    8432933          E22/G01             F          102,000.00         ZZ
                                         360        102,000.00          1
                                       7.500            713.20        100
                                       7.000            713.20
    LOUISVILLE       KY   40223          1            02/07/03         23
    0415986207                           01           04/01/03          0
    0415986207                           O            03/01/33
    0

    8432945          E22/G01             F          107,120.00         ZZ
                                         360        107,058.37          1
                                       8.750            842.71        103
                                       8.250            842.71
    GULFPORT         MS   39503          2            02/03/03         23
    0415994656                           05           03/01/03          0
    0415994656                           O            02/01/33
    0

    8432971          E22/G01             F          256,800.00         ZZ
                                         360        256,584.26          1
1

                                       6.875          1,686.99        107
                                       6.375          1,686.99
    FONTANA          CA   92336          5            02/01/03         23
    0416002749                           05           03/01/03          0
    0416002749                           O            02/01/33
    0

    8432975          E22/G01             F          107,350.00         ZZ
                                         360        107,272.30          1
                                       7.625            759.82         95
                                       7.125            759.82
    WILLAMINA        OR   97396          1            01/28/03         23
    0416006294                           05           03/01/03          0
    0416006294                           N            02/01/33
    0

    8432993          E22/G01             F           71,070.00         ZZ
                                         360         71,070.00          1
                                       8.250            533.93        103
                                       7.750            533.93
    FRESNO           CA   93703          1            02/03/03         23
    0416030351                           05           04/01/03          0
    0416030351                           O            03/01/33
    0

    8433005          E22/G01             F           85,500.00         ZZ
                                         360         85,446.86          1
                                       8.375            649.86         95
                                       8.125            649.86
    BIRMINGHAM       AL   35226          1            02/07/03         23
    0416061042                           01           03/01/03          0
    0416061042                           O            02/01/33
    0

    8433015          E22/G01             F           78,800.00         ZZ
                                         360         78,800.00          1
                                       7.500            550.98        106
                                       7.250            550.98
    SPOKANE          WA   99206          1            02/04/03         23
    0416092799                           05           04/01/03          0
    0416092799                           O            03/01/33
    0

    8433017          E22/G01             F          168,000.00         ZZ
                                         360        168,000.00          1
                                       8.250          1,262.13        100
                                       7.750          1,262.13
    OPA LOCKA        FL   33055          1            02/07/03         23
    0416107407                           03           04/01/03          0
1

    0416107407                           O            03/01/33
    0

    8433855          G52/G01             F          123,950.00         ZZ
                                         360        123,950.00          1
                                       8.250            931.19         95
                                       8.000            931.19
    TEMPE            AZ   85282          1            02/04/03         23
    0435367206                           05           04/01/03          0
    9815005966                           N            03/01/33
    0

    8434219          F64/G01             F          133,600.00         ZZ
                                         360        133,521.12          1
                                       8.625          1,039.13         99
                                       8.375          1,039.13
    HOLLYWOOD        FL   33025          1            01/27/03         23
    0435359179                           03           03/01/03          0
    00004649                             O            02/01/33
    0

    8434467          E45/G01             F          209,000.00         ZZ
                                         360        208,844.89          1
                                       7.500          1,461.36         95
                                       7.250          1,461.36
    LAKE IN THE HIL  IL   60156          1            01/23/03         23
    0435420732                           05           03/01/03          0
    331389                               O            02/01/33
    0

    8434669          Y19/G01             F          148,600.00         ZZ
                                         360        148,489.72          1
                                       7.500          1,039.03        107
                                       7.250          1,039.03
    ELLICOT CITY     MD   21043          1            02/03/03         23
    0435372222                           01           03/01/03          0
    102292                               O            02/01/33
    0

    8434701          W39/G01             F          130,000.00         ZZ
                                         360        129,928.99          1
                                       9.000          1,046.01        100
                                       8.750          1,046.01
    LEWISVILLE       TX   75067          1            01/31/03         23
    0435363007                           05           03/01/03          0
    PN130677                             O            02/01/33
    0

1

    8434745          E45/G01             F          148,700.00         ZZ
                                         360        148,592.37          1
                                       7.625          1,052.49        107
                                       7.375          1,052.49
    TAMPA            FL   33624          5            01/21/03         23
    0435399456                           05           03/01/03          0
    323946                               O            02/01/33
    0

    8434975          W82/G01             F           78,180.00         ZZ
                                         360         78,180.00          1
                                       9.125            636.10        103
                                       8.875            636.10
    JAMESTOWN        ND   58401          5            02/04/03         23
    0435352075                           05           04/01/03          0
    910003311                            O            03/01/33
    0

    8435103          964/G01             F          173,300.00         ZZ
                                         360        173,300.00          1
                                       7.375          1,196.94        107
                                       7.125          1,196.94
    BEND             OR   97701          1            02/03/03         23
    0435360250                           03           04/01/03          0
    342436                               O            03/01/33
    0

    8435321          M45/G01             F          285,000.00         ZZ
                                         360        284,813.57          1
                                       8.125          2,116.12        100
                                       7.875          2,116.12
    BRAINTREE        MA   02184          1            01/31/03         23
    0435374962                           05           03/01/03          0
    A0403595                             O            02/01/33
    0

    8435427          K15/G01             F          180,000.00         ZZ
                                         360        179,869.72          1
                                       7.625          1,274.03        103
                                       7.375          1,274.03
    PHOENIX          AZ   85044          5            01/27/03         23
    0435369475                           05           03/01/03          0
    021505505932                         O            02/01/33
    0

    8435499          M45/G01             F          192,600.00         ZZ
                                         360        192,365.81          1
                                       8.500          1,480.93        103
                                       8.250          1,480.93
1

    FEDERAL WAY      WA   98023          1            12/24/02         23
    0435375001                           05           02/01/03          0
    A0412070                             O            01/01/33
    0

    8435809          K15/G01             F          219,300.00         ZZ
                                         360        219,019.36          2
                                       8.250          1,647.53        107
                                       8.000          1,647.53
    SIMSBURY         CT   06081          2            12/16/02         23
    0435423579                           05           02/01/03          0
    050800111728                         O            01/01/33
    0

    8436389          W30/G01             F           99,900.00         ZZ
                                         360         99,845.43          1
                                       9.000            803.82        100
                                       8.750            803.82
    PROVIDENCE       RI   02909          1            01/31/03         23
    0435378377                           05           03/01/03          0
    0670005                              O            02/01/33
    0

    8436407          W53/G01             F           77,575.00         ZZ
                                         360         77,526.78          1
                                       8.375            589.63        107
                                       8.125            589.63
    SCHENECTADY      NY   12304          1            01/31/03         23
    0435419551                           05           03/01/03          0
    5201410700                           O            02/01/33
    0

    8436425          588/G01             F          413,020.00         ZZ
                                         360        413,020.00          1
                                       8.000          3,030.59        107
                                       7.750          3,030.59
    NEW PROVIDENCE   NJ   07974          1            02/07/03         23
    0435379466                           05           04/01/03          0
    1082873                              O            03/01/33
    0

    8436427          M50/G01             F          196,060.00         ZZ
                                         180        196,060.00          1
                                       9.500          1,648.58        100
                                       9.250          1,648.58
    BIG LAKE         MN   55309          1            02/04/03         23
    0435362330                           05           04/01/03          0
    2011137                              O            03/01/18
    0
1

    8436433          253/G01             F           87,035.00         ZZ
                                         360         86,973.57          1
                                       7.750            623.53        103
                                       7.500            623.53
    PHOENIX          AZ   85032          1            02/05/03         23
    0435371877                           09           03/01/03          0
    455133                               O            02/01/33
    0

    8436457          H76/G01             F          113,300.00         ZZ
                                         360        113,300.00          1
                                       8.750            891.34        103
                                       8.500            891.34
    RIPLEY           TN   38063          2            02/07/03         23
    0435365796                           05           04/01/03          0
    2002463962                           O            03/01/33
    0

    8436469          M50/G01             F           71,250.00         ZZ
                                         180         71,250.00          1
                                       8.375            541.55         95
                                       8.125            541.55
    WABASH           IN   46992          1            02/05/03         23
    0435358858                           05           04/01/03          0
    2311194                              O            03/01/18
    0

    8436471          R49/G01             F           45,475.00         ZZ
                                         360         45,441.25          1
                                       7.500            317.97        107
                                       7.250            317.97
    BURTON           MI   48529          1            01/27/03         23
    0435413349                           05           03/01/03          0
    SD03010006                           O            02/01/33
    0

    8436493          G27/G01             F          182,593.00         ZZ
                                         360        182,593.00          1
                                       8.250          1,371.76        103
                                       8.000          1,371.76
    BAKERSFIELD      CA   93308          1            02/05/03         23
    0435366786                           05           04/01/03          0
    20303002                             O            03/01/33
    0

    8436519          W02/G01             F          201,000.00         ZZ
                                         360        201,000.00          1
1

                                       7.020          1,339.96        101
                                       6.770          1,339.96
    ORANGE PARK      FL   32073          5            02/04/03         23
    0435397898                           05           04/01/03          0
    1002021820                           O            03/01/33
    0

    8436521          W02/G01             F          151,940.00         ZZ
                                         360        151,824.73          1
                                       7.390          1,050.97        107
                                       7.140          1,050.97
    WINCHESTER       VA   22602          5            01/30/03         23
    0435397328                           03           03/01/03          0
    1002015302                           O            02/01/33
    0

    8436523          P57/G01             F          159,650.00         ZZ
                                         240        159,410.65          1
                                       8.990          1,435.39        103
                                       8.740          1,435.39
    NOBLESVILLE      IN   46060          5            02/03/03         23
    0435351432                           05           03/07/03          0
    02100595                             O            02/07/23
    0

    8436525          P57/G01             F          160,680.00         ZZ
                                         180        160,600.96          1
                                       9.500          1,351.09        103
                                       9.250          1,351.09
    TRAVERSE CITY    MI   49684          5            01/31/03         23
    0435347414                           29           03/05/03          0
    02100571                             O            02/05/18
    0

    8436527          K60/G01             F           70,761.00         ZZ
                                         360         70,761.00          1
                                       8.500            544.09        103
                                       8.250            544.09
    DAYTON           OH   45416          1            02/07/03         23
    0435427794                           05           04/01/03          0
    74344                                O            03/01/33
    0

    8436541          X21/G01             F          177,950.00         ZZ
                                         360        177,817.93          1
                                       7.500          1,244.26        102
                                       7.250          1,244.26
    COLLEGE PARK     MD   20740          1            02/03/03         23
    0435353222                           05           03/01/03          0
1

    706425                               O            02/01/33
    0

    8436549          E57/G01             F          133,900.00         ZZ
                                         360        133,818.88          1
                                       8.500          1,029.58        103
                                       8.250          1,029.58
    ONTARIO          CA   91764          1            01/17/03         23
    0435360342                           05           03/01/03          0
    06012887                             O            02/01/33
    0

    8436943          E22/G01             F          141,100.00         ZZ
                                         360        141,100.00          1
                                       8.500          1,084.94        103
                                       8.250          1,084.94
    COLLEGE PLACE    WA   99324          1            02/05/03         23
    0415796655                           03           04/01/03          0
    0415796655                           O            03/01/33
    0

    8436949          E22/G01             F          139,000.00         ZZ
                                         360        139,000.00          1
                                       8.875          1,105.95        103
                                       8.375          1,105.95
    RAINSVILLE       AL   35986          2            02/07/03         23
    0415816842                           05           04/01/03          0
    0415816842                           O            03/01/33
    0

    8436975          E22/G01             F          108,000.00         ZZ
                                         360        108,000.00          1
                                       7.750            773.73        102
                                       7.500            773.73
    CARPENTERSVILLE  IL   60110          1            02/12/03         23
    0415884642                           05           04/01/03          0
    0415884642                           O            03/01/33
    0

    8436983          E22/G01             F          232,000.00         ZZ
                                         360        232,000.00          2
                                       7.875          1,682.16        106
                                       7.625          1,682.16
    NEW ORLEANS      LA   70125          1            02/12/03         23
    0415890706                           05           04/01/03          0
    0415890706                           O            03/01/33
    0

1

    8436985          E22/G01             F          101,000.00         T
                                         360        101,000.00          1
                                       7.875            732.32        106
                                       7.625            732.32
    SPRINGFIELD      OR   97477          1            02/04/03         23
    0415892819                           05           04/01/03          0
    0415892819                           O            03/01/33
    0

    8436993          E22/G01             F           98,000.00         ZZ
                                         360         98,000.00          1
                                       8.250            736.24        100
                                       7.750            736.24
    VANCOUVER        WA   98682          1            02/04/03         23
    0415910553                           05           04/01/03          0
    0415910553                           O            03/01/33
    0

    8437003          E22/G01             F           85,000.00         ZZ
                                         360         85,000.00          1
                                       7.500            594.33        105
                                       7.250            594.33
    SATSUMA          AL   36572          1            02/12/03         23
    0415924422                           05           04/01/03          0
    0415924422                           O            03/01/33
    0

    8437025          E22/G01             F          153,545.00         ZZ
                                         360        153,545.00          1
                                       7.750          1,100.02        107
                                       7.250          1,100.02
    MODESTO          CA   95354          1            01/28/03         23
    0415955921                           09           04/01/03          0
    0415955921                           O            03/01/33
    0

    8437071          E22/G01             F          113,050.00         ZZ
                                         360        113,050.00          2
                                       7.500            790.46         95
                                       7.250            790.46
    LARAMIE          WY   82072          1            02/12/03         23
    0415968973                           05           04/01/03          0
    0415968973                           N            03/01/33
    0

    8437077          E22/G01             F          106,500.00         ZZ
                                         360        106,500.00          1
                                       7.625            753.80        100
                                       7.125            753.80
1

    TACOMA           WA   98405          1            02/04/03         23
    0415975788                           05           04/01/03          0
    0415975788                           O            03/01/33
    0

    8437111          E22/G01             F          225,250.00         ZZ
                                         360        225,250.00          1
                                       7.875          1,633.22        104
                                       7.375          1,633.22
    LINDENHURST      IL   60046          5            02/07/03         23
    0416029940                           05           04/01/03          0
    0416029940                           O            03/01/33
    0

    8437133          E22/G01             F          197,500.00         ZZ
                                         360        197,500.00          1
                                       8.500          1,518.60        102
                                       8.250          1,518.60
    APEX             NC   27539          2            02/07/03         23
    0416064020                           05           04/01/03          0
    0416064020                           O            03/01/33
    0

    8437477          W40/G01             F          206,000.00         ZZ
                                         360        206,000.00          1
                                       8.875          1,639.03        103
                                       8.625          1,639.03
    AVONDALE         AZ   85323          5            02/06/03         23
    0435355698                           03           04/01/03          0
    100012383                            O            03/01/33
    0

    8437547          W89/G01             F          132,870.00         ZZ
                                         180        132,870.00          1
                                       9.125          1,081.07        103
                                       8.875          1,081.07
    LITTLE FALLS     MN   56345          5            02/10/03         23
    0435383161                           05           04/01/03          0
    4440255873                           O            03/01/18
    0

    8437577          M45/G01             F          208,500.00         ZZ
                                         360        208,219.27          1
                                       8.000          1,529.90        105
                                       7.750          1,529.90
    ORLANDO          FL   32828          1            12/27/02         23
    0435429220                           03           02/01/03          0
    A0402979                             O            01/01/33
    0
1

    8437673          964/G01             F          305,000.00         ZZ
                                         360        305,000.00          1
                                       7.125          2,054.84        104
                                       6.875          2,054.84
    VACAVILLE        CA   95687          1            01/31/03         23
    0435368121                           05           04/01/03          0
    324656                               O            03/01/33
    0

    8437691          Q78/G01             F          224,000.00         ZZ
                                         360        224,000.00          1
                                       7.750          1,604.76        103
                                       7.500          1,604.76
    CANDLER          NC   28715          5            02/07/03         23
    0435419445                           05           04/01/03          0
    723807                               O            03/01/33
    0

    8437699          Q78/G01             F           80,340.00         ZZ
                                         360         80,340.00          1
                                       8.625            624.88        101
                                       8.375            624.88
    ADRIAN           MO   64720          1            02/10/03         23
    0435419536                           05           04/01/03          0
    722546                               O            03/01/33
    0

    8437747          Q78/G01             F           52,430.00         ZZ
                                         360         52,430.00          1
                                       7.375            362.13        107
                                       7.125            362.13
    GREENWOOD        SC   29646          1            02/10/03         23
    0435419502                           05           04/01/03          0
    723787                               O            03/01/33
    0

    8437761          003/G01             F          105,450.00         ZZ
                                         360        105,377.43          1
                                       7.875            764.59         95
                                       7.625            764.59
    STONE MOUNTAIN   GA   30083          1            01/29/03         23
    0435422340                           05           03/01/03          0
    0021933346                           N            02/01/33
    0

    8437783          Q78/G01             F          310,000.00         ZZ
                                         360        310,000.00          1
1

                                       7.815          2,234.82        107
                                       7.565          2,234.82
    BRYANS ROAD      MD   20616          5            02/10/03         23
    0435419478                           05           04/01/03          0
    723996                               O            03/01/33
    0

    8437861          E57/G01             F          119,700.00         ZZ
                                         360        119,611.17          1
                                       7.500            836.96        100
                                       7.250            836.96
    HEMET            CA   92544          1            01/27/03         23
    0435371547                           05           03/01/03          0
    06013487                             O            02/01/33
    0

    8437867          U35/G01             F          120,000.00         ZZ
                                         360        120,000.00          1
                                       8.875            954.77        100
                                       8.625            954.77
    INDIANAPOLIS     IN   46268          1            02/11/03         23
    0435392840                           05           04/01/03          0
    10816152                             O            03/01/33
    0

    8437875          U35/G01             F          107,480.00         ZZ
                                         360        107,394.05          2
                                       7.125            724.11        103
                                       6.875            724.11
    ROCK ISLAND      IL   61201          1            02/03/03         23
    0435391636                           05           03/01/03          0
    0007575018                           O            02/01/33
    0

    8437877          Q14/G01             F          347,750.00         ZZ
                                         360        347,750.00          1
                                       7.500          2,431.52        107
                                       7.250          2,431.52
    GILBERT          AZ   85296          1            02/05/03         23
    0435407671                           05           04/01/03          0
    0000310957                           O            03/01/33
    0

    8437919          W42/G01             F          186,430.00         ZZ
                                         180        186,325.48          2
                                       8.875          1,483.33        103
                                       8.625          1,483.33
    CHICAGO          IL   60620          1            01/31/03         23
    0435423827                           05           03/01/03          0
1

    35556184                             O            02/01/18
    0

    8437965          T23/G01             F           94,100.00         ZZ
                                         360         94,038.45          1
                                       8.125            698.69        107
                                       7.875            698.69
    BRADFORD         OH   45308          5            02/11/03         23
    0435361688                           05           03/18/03          0
    6042                                 O            02/18/33
    0

    8437971          Q14/G01             F          147,550.00         ZZ
                                         360        147,550.00          1
                                       7.875          1,069.84        107
                                       7.625          1,069.84
    GLENDALE         AZ   85308          2            02/06/03         23
    0435381256                           05           04/01/03          0
    0000311320                           O            03/01/33
    0

    8437989          W02/G01             F           82,400.00         ZZ
                                         360         82,330.84          1
                                       6.880            541.59        103
                                       6.630            541.59
    WEST PALM BEACH  FL   33406          5            01/28/03         23
    0435423785                           05           03/01/03          0
    1001975680                           O            02/01/33
    0

    8438017          F64/G01             F          167,900.00         ZZ
                                         360        167,900.00          1
                                       8.250          1,261.38        107
                                       8.000          1,261.38
    ZACHARY          LA   70791          5            01/29/03         23
    0435360870                           05           04/01/03          0
    00004825                             O            03/01/33
    0

    8438339          M24/G01             F          207,000.00         ZZ
                                         360        207,000.00          1
                                       8.875          1,646.98        101
                                       8.625          1,646.98
    LAS VEGAS        NV   89143          5            02/03/03         23
    0435376876                           05           04/01/03          0
    237106829                            O            03/01/33
    0

1

    8438373          W35/G01             F           40,000.00         ZZ
                                         360         39,978.10          1
                                       8.990            321.57        100
                                       8.740            321.57
    NEW CASTLE       IN   47362          1            01/10/03         23
    0435389945                           05           03/01/03          0
    16175                                O            02/01/33
    0

    8438415          K15/G01             F          180,800.00         ZZ
                                         360        180,800.00          1
                                       7.625          1,279.69        107
                                       7.375          1,279.69
    NEW PORT RICHEY  FL   34655          5            01/29/03         23
    0435374921                           05           04/01/03          0
    009505506566                         O            03/01/33
    0

    8438451          K15/G01             F          119,500.00         ZZ
                                         360        119,500.00          1
                                       8.625            929.46        103
                                       8.375            929.46
    MERIDIAN         ID   83642          5            01/30/03         23
    0435375977                           05           04/01/03          0
    030205506490                         O            03/01/33
    0

    8438461          F89/G01             F          180,000.00         ZZ
                                         360        179,869.72          1
                                       7.625          1,274.03        100
                                       7.375          1,274.03
    FONTANA          CA   92335          1            01/23/03         23
    0435432430                           05           03/01/03          0
    11123128                             O            02/01/33
    0

    8438475          S53/G01             F           58,710.00         ZZ
                                         180         58,677.87          1
                                       8.990            471.97        103
                                       8.740            471.97
    BROWNTON         MN   55312          1            01/28/03         23
    0435384086                           05           03/01/03          0
    9841225                              O            02/01/18
    0

    8438477          K15/G01             F          316,500.00         ZZ
                                         360        316,500.00          1
                                       7.875          2,294.84        101
                                       7.625          2,294.84
1

    PORT JEFFERSON   NY   11776          5            02/05/03         23
    0435399589                           05           04/01/03          0
    020805509812                         O            03/01/33
    0

    8438547          W39/G01             F           40,685.00         ZZ
                                         360         40,685.00          1
                                       7.500            284.48        103
                                       7.250            284.48
    FORT WORTH       TX   76020          1            02/10/03         23
    0435376843                           05           04/01/03          0
    PNI30584                             O            03/01/33
    0

    8438555          W02/G01             F           90,640.00         ZZ
                                         360         90,584.63          1
                                       8.460            694.38        103
                                       8.210            694.38
    MYRTLE BEACH     SC   29588          5            01/30/03         23
    0435357173                           05           03/01/03          0
    1001879973                           O            02/01/33
    0

    8438559          U35/G01             F           76,000.00         ZZ
                                         360         76,000.00          1
                                       8.750            597.89        100
                                       8.500            597.89
    CHICAGO          IL   60628          1            02/13/03         23
    0435392741                           05           04/01/03          0
    10821979                             O            03/01/33
    0

    8438565          642/G01             F           86,520.00         ZZ
                                         360         86,520.00          1
                                       8.875            688.39        103
                                       8.625            688.39
    WYNANTSKILL      NY   12198          5            02/07/03         23
    0435361639                           05           04/01/03          0
    12234502                             O            03/01/33
    0

    8438567          K60/G01             F          217,210.00         ZZ
                                         360        217,210.00          1
                                       7.500          1,518.76        107
                                       7.250          1,518.76
    CUYAHOGA FALLS   OH   44223          2            02/05/03         23
    0435419494                           05           04/01/03          0
    74270                                O            03/01/33
    0
1

    8438569          S53/G01             F           50,350.00         ZZ
                                         360         50,319.44          1
                                       8.490            386.79         95
                                       8.240            386.79
    FOREST PARK      GA   30297          1            01/27/03         23
    0435377114                           05           03/02/03          0
    9843017                              N            02/02/33
    0

    8438585          W02/G01             F          105,060.00         ZZ
                                         360        104,994.89          1
                                       8.390            799.65        103
                                       8.140            799.65
    NORTH AUGUSTA    SC   29841          5            01/30/03         23
    0435357074                           05           03/01/03          0
    1001898577                           O            02/01/33
    0

    8438611          W53/G01             F          120,250.00         ZZ
                                         360        120,156.19          1
                                       7.250            820.32        106
                                       7.000            820.32
    SAN ANOTNIO      TX   78240          1            01/17/03         23
    0435379516                           05           03/01/03          0
    1502000399                           O            02/01/33
    0

    8438613          950/G01             F          126,600.00         ZZ
                                         360        126,600.00          1
                                       8.375            962.25         95
                                       8.125            962.25
    JACKSONVILLE     FL   32244          1            02/01/03         23
    0435427174                           03           04/01/03          0
    EY2C012                              N            03/01/33
    0

    8438623          940/G01             F          225,000.00         ZZ
                                         360        225,000.00          1
                                       7.250          1,534.90        104
                                       7.000          1,534.90
    HIGHLAND         CA   92346          1            02/03/03         23
    0435395793                           05           04/01/03          0
    40030082                             O            03/01/33
    0

    8438635          624/G01             F          142,000.00         ZZ
                                         360        141,902.28          1
1

                                       7.875          1,029.60        100
                                       7.625          1,029.60
    SURPRISE         AZ   85374          5            01/17/03         23
    0435362264                           05           03/01/03          0
    1000019503                           O            02/01/33
    0

    8438711          U35/G01             F           66,800.00         ZZ
                                         360         66,750.42          2
                                       7.500            467.08        100
                                       7.250            467.08
    GREEN BAY        WI   54304          1            01/31/03         23
    0435422571                           05           03/01/03          0
    0007567489                           O            02/01/33
    0

    8438721          U35/G01             F           84,530.00         ZZ
                                         360         84,467.26          1
                                       7.500            591.05        107
                                       7.250            591.05
    HAMMOND          IN   46323          1            02/05/03         23
    0435384458                           05           03/01/03          0
    10685426                             O            02/01/33
    0

    8438745          R17/G01             F           87,500.00         ZZ
                                         360         87,453.43          1
                                       9.125            711.93        103
                                       8.875            711.93
    HIALEAH          FL   33016          1            01/29/03         23
    0435419577                           01           03/01/03          0
    1000213366                           O            02/01/33
    0

    8438889          U35/G01             F          125,000.00         ZZ
                                         360        125,000.00          1
                                       7.750            895.52        100
                                       7.500            895.52
    FRESNO           CA   93722          1            02/11/03         23
    0435392790                           05           04/01/03          0
    10792513                             O            03/01/33
    0

    8438907          J95/G01             F          164,400.00         ZZ
                                         360        164,281.01          1
                                       7.625          1,163.62        103
                                       7.375          1,163.62
    MILWAUKIE        OR   97222          5            01/14/03         23
    0435372404                           05           03/01/03          0
1

    40739039                             O            02/01/33
    0

    8438955          M27/G01             F          135,000.00         ZZ
                                         360        135,000.00          1
                                       7.500            943.94        100
                                       7.250            943.94
    WHITEHOUSE       TN   37188          1            02/10/03         23
    0435385562                           05           04/01/03          0
    60087447                             O            03/01/33
    0

    8440405          E22/G01             F          101,150.00         ZZ
                                         360        101,080.39          1
                                       7.875            733.41        105
                                       7.625            733.41
    BIRMINGHAM       AL   35235          1            01/24/03         23
    0415680131                           09           03/01/03          0
    0415680131                           O            02/01/33
    0

    8440417          E22/G01             F           95,950.00         ZZ
                                         360         95,950.00          1
                                       8.375            729.29         95
                                       8.125            729.29
    ALABASTER        AL   35007          1            02/13/03         23
    0415807718                           05           04/01/03          0
    0415807718                           N            03/01/33
    0

    8440425          E22/G01             F          104,000.00         ZZ
                                         360        104,000.00          1
                                       7.750            745.07        100
                                       7.250            745.07
    RIALTO           CA   92376          5            02/06/03         23
    0415850296                           01           04/01/03          0
    0415850296                           O            03/01/33
    0

    8440427          E22/G01             F          229,620.00         ZZ
                                         360        229,620.00          1
                                       8.500          1,765.58        103
                                       8.250          1,765.58
    SUFFOLK          VA   23435          5            02/07/03         23
    0415867092                           03           04/01/03          0
    0415867092                           O            03/01/33
    0

1

    8440431          E22/G01             F          132,500.00         ZZ
                                         360        132,500.00          1
                                       7.375            915.14        106
                                       7.125            915.14
    EWING            NJ   08618          1            02/13/03         23
    0415897545                           05           04/01/03          0
    0415897545                           O            03/01/33
    0

    8440471          E22/G01             F          251,340.00         ZZ
                                         360        251,340.00          1
                                       7.250          1,714.58        107
                                       6.750          1,714.58
    LINCOLN          CA   95648          1            02/04/03         23
    0415982966                           05           04/01/03          0
    0415982966                           O            03/01/33
    0

    8440479          E22/G01             F          130,540.00         ZZ
                                         360        130,540.00          1
                                       8.250            980.70        107
                                       7.750            980.70
    ST. PETERSBURG   FL   33710          1            02/13/03         23
    0415991611                           05           04/01/03          0
    0415991611                           O            03/01/33
    0

    8440493          E22/G01             F          312,500.00         ZZ
                                         360        312,500.00          1
                                       7.500          2,185.05        103
                                       7.250          2,185.05
    LA MESA          CA   91941          1            02/10/03         23
    0416029759                           05           04/01/03          0
    0416029759                           O            03/01/33
    0

    8440741          W33/G01             F           68,108.00         ZZ
                                         360         68,054.87          1
                                       7.250            464.62        105
                                       7.000            464.62
    KOKOMO           IN   46901          1            02/10/03         23
    0435380159                           05           03/12/03          0
    03-34727                             O            02/12/33
    0

    8440755          W33/G01             F           75,188.00         ZZ
                                         360         75,129.35          1
                                       7.250            512.91        106
                                       7.000            512.91
1

    BOWLING GREEN    KY   42101          1            02/13/03         23
    0435383377                           05           03/15/03          0
    03-34879                             O            02/15/33
    0

    8441071          737/G01             F          156,074.00         ZZ
                                         360        156,074.00          1
                                       8.500          1,200.07        107
                                       8.250          1,200.07
    MADERA           CA   93638          1            02/11/03         23
    0435373105                           05           04/01/03          0
    0001840578                           O            03/01/33
    0

    8441317          A11/G01             F           87,000.00         ZZ
                                         360         86,945.92          1
                                       8.375            661.27        102
                                       8.125            661.27
    TAYLOR           MI   48180          5            02/03/03         23
    0435398219                           05           03/07/03          0
    6071138501                           O            02/07/33
    0

    8441869          Q64/G01             F          116,050.00         T
                                         360        115,974.09          1
                                       8.125            861.67        100
                                       7.875            861.67
    SIMPSONVILLE     SC   29681          1            01/23/03         23
    0435385364                           09           03/01/03          0
    0106023609                           O            02/01/33
    0

    8443363          E22/G01             F           76,000.00         ZZ
                                         360         76,000.00          1
                                       7.875            551.05         95
                                       7.625            551.05
    KANSAS CITY      MO   64131          1            02/14/03         23
    0416057073                           05           04/01/03          0
    0416057073                           N            03/01/33
    0

    8443369          E22/G01             F          208,650.00         ZZ
                                         360        208,650.00          1
                                       7.875          1,512.86        107
                                       7.375          1,512.86
    FRESNO           CA   93711          1            02/13/03         23
    0435359906                           05           04/01/03          0
    0416062420                           O            03/01/33
    0
1

    8443413          E22/G01             F          115,560.00         ZZ
                                         360        115,560.00          1
                                       7.500            808.01        107
                                       7.250            808.01
    SCHWENKSVILLE    PA   19473          1            02/14/03         23
    0416108926                           09           04/01/03          0
    0416108926                           O            03/01/33
    0

    8443427          E22/G01             F          246,100.00         ZZ
                                         360        246,100.00          1
                                       8.375          1,870.54        107
                                       8.125          1,870.54
    WARREN           MI   48088          5            02/11/03         23
    0416124238                           05           04/01/03          0
    0416124238                           O            03/01/33
    0

    8443429          E22/G01             F          253,374.00         ZZ
                                         360        253,374.00          1
                                       7.625          1,793.37        103
                                       7.375          1,793.37
    CARSON CITY      NV   89705          1            02/04/03         23
    0416124667                           05           04/01/03          0
    0416124667                           O            03/01/33
    0

    8443443          E22/G01             F          153,000.00         ZZ
                                         360        153,000.00          1
                                       7.125          1,030.79        107
                                       6.625          1,030.79
    ALBANY           OR   97321          1            02/10/03         23
    0416148674                           03           04/01/03          0
    0416148674                           O            03/01/33
    0

    8443471          E22/G01             F           41,700.00         ZZ
                                         360         41,700.00          1
                                       9.625            354.45        103
                                       9.375            354.45
    TECUMSEH         OK   74873          5            02/10/03         23
    0415682210                           05           04/01/03          0
    0415682210                           O            03/01/33
    0

    8443487          E22/G01             F          113,300.00         ZZ
                                         360        113,300.00          1
1

                                       9.625            963.04        103
                                       9.375            963.04
    LOUISVILLE       KY   40272          1            02/14/03         23
    0415768845                           05           04/01/03          0
    0415768845                           O            03/01/33
    0

    8443533          E22/G01             F          125,660.00         ZZ
                                         360        125,660.00          1
                                       9.500          1,056.62        103
                                       9.000          1,056.62
    DAVENPORT        IA   52804          5            02/11/03         23
    0415895846                           05           04/01/03          0
    0415895846                           O            03/01/33
    0

    8443555          E22/G01             F          130,500.00         ZZ
                                         360        130,500.00          1
                                       9.625          1,109.24        101
                                       9.125          1,109.24
    ELGIN            SC   29045          5            02/10/03         23
    0415934439                           05           04/01/03          0
    0415934439                           O            03/01/33
    0

    8443567          E22/G01             F          182,000.00         ZZ
                                         360        182,000.00          1
                                       7.375          1,257.03        100
                                       6.875          1,257.03
    OLYMPIA          WA   98501          1            02/03/03         23
    0415960640                           03           04/01/03          0
    0415960640                           O            03/01/33
    0

    8443579          E22/G01             F          139,200.00         ZZ
                                         360        139,200.00          1
                                       7.875          1,009.30        105
                                       7.625          1,009.30
    COLORADO SPRING  CO   80911          1            02/14/03         23
    0415977610                           05           04/01/03          0
    0415977610                           O            03/01/33
    0

    8443595          E22/G01             F          165,850.00         ZZ
                                         360        165,850.00          1
                                       7.250          1,131.39        107
                                       7.000          1,131.39
    LONG BEACH       CA   90814          1            02/11/03         23
    0415996461                           01           04/01/03          0
1

    0415996461                           O            03/01/33
    0

    8443869          W02/G01             F           86,860.00         ZZ
                                         360         86,805.17          1
                                       8.300            655.61        101
                                       8.050            655.61
    TALLAHASSEE      FL   32310          5            01/27/03         23
    0435422134                           05           03/01/03          0
    1001898767                           O            02/01/33
    0

    8443899          W02/G01             F          140,000.00         ZZ
                                         360        139,903.74          1
                                       7.880          1,015.59        101
                                       7.630          1,015.59
    ORLANDO          FL   32825          2            01/27/03         23
    0435397955                           05           03/01/03          0
    1001976654                           O            02/01/33
    0

    8444717          W95/G01             F          170,300.00         T
                                         360        170,300.00          1
                                       8.250          1,279.41        105
                                       8.000          1,279.41
    APOPKA           FL   32712          1            02/06/03         23
    0435395454                           03           04/01/03          0
    2061210010837                        O            03/01/33
    0

    8444733          K15/G01             F          190,600.00         ZZ
                                         360        190,495.89          1
                                       9.000          1,533.61         99
                                       8.750          1,533.61
    MINISINK         NY   10998          5            01/27/03         23
    0435393244                           05           03/01/03          0
    027205508802                         O            02/01/33
    0

    8444741          K15/G01             F          147,600.00         ZZ
                                         360        147,296.94          1
                                       8.000          1,083.04        106
                                       7.750          1,083.04
    HOLLY            MI   48442          1            11/25/02         23
    0435399662                           05           01/01/03          0
    046300112007                         O            12/01/32
    0

1

    8444773          K15/G01             F           96,400.00         ZZ
                                         360         96,260.02          1
                                       7.625            682.31        103
                                       7.375            682.31
    DELTONA          FL   32725          5            12/20/02         23
    0435399043                           05           02/01/03          0
    050300112849                         O            01/01/33
    0

    8444779          K15/G01             F           63,300.00         ZZ
                                         360         63,300.00          1
                                       8.500            486.72         99
                                       8.250            486.72
    MADISON          ME   04950          5            02/11/03         23
    0435384128                           05           04/01/03          0
    007005510485                         O            03/01/33
    0

    8444971          R84/G01             F          213,000.00         ZZ
                                         360        213,000.00          1
                                       9.625          1,810.48        103
                                       9.375          1,810.48
    UNIVERSITY PLAC  WA   98467          5            02/03/03         23
    0435402805                           05           04/01/03          0
    WA112128                             O            03/01/33
    0

    8445057          253/G01             F          159,800.00         ZZ
                                         360        159,800.00          1
                                       7.500          1,117.35        100
                                       7.250          1,117.35
    SILVER SPRING    MD   20903          1            02/06/03         23
    0435381876                           05           04/01/03          0
    454567                               O            03/01/33
    0

    8445179          R26/G01             F          277,399.00         ZZ
                                         360        277,399.00          1
                                       8.875          2,207.11        103
                                       8.625          2,207.11
    ELK GROVE        CA   95758          1            02/11/03         23
    0435377890                           05           04/01/03          0
    00004740000                          O            03/01/33
    0

    8445501          A06/G01             F          240,750.00         ZZ
                                         360        240,750.00          1
                                       7.875          1,745.61        107
                                       7.625          1,745.61
1

    SWARTZ CREEK     MI   48473          5            02/07/03         23
    0435395629                           05           04/01/03          0
    021000020230147                      O            03/01/33
    0

    8445595          642/G01             F          101,650.00         ZZ
                                         360        101,650.00          1
                                       7.625            719.47        107
                                       7.375            719.47
    LATHAM           NY   12110          1            02/11/03         23
    0435377841                           05           04/01/03          0
    01112503                             O            03/01/33
    0

    8445637          940/G01             F          216,500.00         ZZ
                                         360        216,500.00          1
                                       7.500          1,513.80        104
                                       7.250          1,513.80
    COLTON           CA   92324          1            02/06/03         23
    0435405493                           05           04/01/03          0
    40030091                             O            03/01/33
    0

    8445651          T23/G01             F          193,050.00         ZZ
                                         360        193,050.00          1
                                       7.500          1,349.83         99
                                       7.250          1,349.83
    MANSFIELD        OH   44903          5            02/13/03         23
    0435399621                           05           04/01/03          0
    6043                                 O            03/01/33
    0

    8445797          B44/G01             F          305,200.00         ZZ
                                         360        305,200.00          1
                                       8.500          2,346.72        102
                                       8.250          2,346.72
    VALLEJO          CA   94591          5            02/04/03         23
    0435400460                           05           04/01/03          0
    3021007                              O            03/01/33
    0

    8445927          588/G01             F          130,000.00         ZZ
                                         360        130,000.00          1
                                       7.875            942.59        100
                                       7.625            942.59
    NEW CASTLE CITY  DE   19720          1            02/12/03         23
    0435396528                           05           04/01/03          0
    00010852779                          O            03/01/33
    0
1

    8447293          J95/G01             F          201,000.00         ZZ
                                         360        200,850.82          1
                                       7.500          1,405.43        100
                                       7.250          1,405.43
    PORTLAND         OR   97202          1            01/28/03         23
    0435419270                           05           03/01/03          0
    41244385                             O            02/01/33
    0

    8447373          808/G01             F          197,600.00         ZZ
                                         360        197,438.03          1
                                       7.000          1,314.64        104
                                       6.750          1,314.64
    RIVERSIDE        CA   92504          1            01/22/03         23
    0435412739                           05           03/01/03          0
    9328503                              O            02/01/33
    0

    8447411          Q78/G01             F           47,850.00         ZZ
                                         360         47,850.00          1
                                       7.990            350.78         96
                                       7.740            350.78
    SAINT ANN        MO   63074          1            02/14/03         23
    0435419643                           05           04/01/03          0
    722376                               O            03/01/33
    0

    8447419          940/G01             F          196,650.00         ZZ
                                         360        196,650.00          1
                                       6.750          1,275.47        104
                                       6.500          1,275.47
    LANCASTER AREA   CA   93535          1            02/10/03         23
    0435405477                           05           04/01/03          0
    40030111                             O            03/01/33
    0

    8447691          E57/G01             F          283,250.00         ZZ
                                         360        283,073.95          1
                                       8.375          2,152.90        103
                                       8.125          2,152.90
    FRESNO           CA   93722          1            01/29/03         23
    0435406673                           05           03/01/03          0
    13004555                             O            02/01/33
    0

    8447699          W33/G01             F           44,940.00         ZZ
                                         360         44,904.94          1
1

                                       7.250            306.57        107
                                       7.000            306.57
    INDIANAPOLIS     IN   46222          1            02/12/03         23
    0435397583                           05           03/14/03          0
    03-34979                             O            02/14/33
    0

    8447703          K15/G01             F          120,900.00         ZZ
                                         360        120,900.00          1
                                       8.625            940.35        103
                                       8.375            940.35
    NILES            MI   49120          5            01/30/03         23
    0435409479                           05           04/01/03          0
    035905509599                         O            03/01/33
    0

    8447735          K15/G01             F          117,800.00         ZZ
                                         360        117,726.78          1
                                       8.375            895.37         99
                                       8.125            895.37
    MOUNTAIN HOME    ID   83647          5            01/27/03         23
    0435415666                           05           03/01/03          0
    030205506411                         O            02/01/33
    0

    8447779          X82/G01             F          273,850.00         ZZ
                                         360        273,850.00          1
                                       7.250          1,868.14        103
                                       7.000          1,868.14
    ALEXANDRIA       VA   22310          1            02/12/03         23
    0435433040                           09           04/01/03          0
    849371                               O            03/01/33
    0

    8447785          K15/G01             F           73,700.00         ZZ
                                         360         73,662.78          1
                                       9.375            613.00        103
                                       9.125            613.00
    SHREVEPORT       LA   71106          5            01/27/03         23
    0435404520                           05           03/01/03          0
    031805509006                         O            02/01/33
    0

    8447831          Q78/G01             F          152,250.00         ZZ
                                         360        152,250.00          1
                                       7.500          1,064.56        105
                                       7.250          1,064.56
    BALTIMORE        MD   21234          1            02/10/03         23
    0435419742                           05           04/01/03          0
1

    721547                               O            03/01/33
    0

    8447837          W02/G01             F          230,050.00         ZZ
                                         360        230,050.00          1
                                       7.460          1,602.25        107
                                       7.210          1,602.25
    LOUISVILLE       KY   40241          5            02/06/03         23
    0435431226                           05           04/01/03          0
    1001976589                           O            03/01/33
    0

    8447839          J40/G01             F           68,907.00         ZZ
                                         360         68,907.00          1
                                       8.000            505.62        100
                                       7.750            505.62
    VERONA           KY   41092          1            02/12/03         23
    0435426648                           05           04/01/03          0
    1113283                              O            03/01/33
    0

    8447855          W02/G01             F          160,680.00         ZZ
                                         360        160,680.00          1
                                       7.750          1,151.13        103
                                       7.500          1,151.13
    PANAMA CITY      FL   32405          5            02/11/03         23
    0435425780                           05           04/01/03          0
    1002067161                           O            03/01/33
    0

    8447907          W02/G01             F          164,800.00         ZZ
                                         360        164,800.00          1
                                       7.970          1,205.80        103
                                       7.720          1,205.80
    COLUMBIA         SC   29229          5            02/05/03         23
    0435425749                           05           04/01/03          0
    1002003688                           O            03/01/33
    0

    8447945          W35/G01             F          141,240.00         ZZ
                                         360        141,240.00          1
                                       7.850          1,021.64        107
                                       7.600          1,021.64
    ROSEVILLE        MI   48066          2            02/07/03         23
    0435408117                           05           04/01/03          0
    16092                                O            03/01/33
    0

1

    8448009          B76/G01             F          192,610.00         ZZ
                                         360        192,610.00          1
                                       8.875          1,532.50        103
                                       8.625          1,532.50
    BROWNSTOWN       MI   48134          5            02/05/03         23
    0435396817                           05           04/01/03          0
    0004666715                           O            03/01/33
    0

    8448091          U05/G01             F          104,850.00         ZZ
                                         360        104,776.00          1
                                       7.750            751.16        107
                                       7.500            751.16
    BOISE            ID   83703          2            01/27/03         23
    0435391768                           05           03/01/03          0
    3311001                              O            02/01/33
    0

    8448263          G34/G01             F          242,000.00         ZZ
                                         360        242,000.00          1
                                       8.250          1,818.07        100
                                       8.000          1,818.07
    HENDERSON        NV   89014          1            02/11/03         23
    0435417746                           03           04/01/03          0
    77301031                             O            03/01/33
    0

    8448271          J95/G01             F          114,000.00         ZZ
                                         360        113,915.39          1
                                       7.500            797.11        100
                                       7.250            797.11
    KENTWOOD         MI   49546          1            01/24/03         23
    0435419023                           01           03/01/03          0
    0041219197                           O            02/01/33
    0

    8448277          N46/G01             F          200,850.00         ZZ
                                         360        200,850.00          1
                                       7.625          1,421.60        103
                                       7.375          1,421.60
    TRYON            NC   28782          1            02/14/03         23
    0435395397                           05           04/01/03          0
    0671085                              O            03/01/33
    0

    8448323          U05/G01             F          129,400.00         ZZ
                                         360        129,308.67          1
                                       7.750            927.04        107
                                       7.500            927.04
1

    PHOENIX          AZ   85037          5            01/23/03         23
    0435425772                           03           03/01/03          0
    3301545                              O            02/01/33
    0

    8448325          940/G01             F          142,025.00         ZZ
                                         360        142,025.00          1
                                       7.000            944.90         95
                                       6.750            944.90
    RANCHO CUCAMONG  CA   91730          1            02/07/03         23
    0435407226                           01           04/01/03          0
    23030034                             N            03/01/33
    0

    8448393          M24/G01             F          125,000.00         ZZ
                                         360        125,000.00          1
                                       8.875            994.56        103
                                       8.625            994.56
    GREENWOOD        IN   46142          2            02/05/03         23
    0435428172                           05           04/01/03          0
    524106573                            O            03/01/33
    0

    8448615          588/G01             F          205,000.00         ZZ
                                         360        205,000.00          1
                                       7.000          1,363.87        107
                                       6.750          1,363.87
    SPOTSWOOD        NJ   08884          1            02/13/03         23
    0435410253                           03           04/01/03          0
    1085709                              O            03/01/33
    0

    8448619          W08/G01             F          219,390.00         ZZ
                                         360        219,390.00          1
                                       9.300          1,812.82        103
                                       9.050          1,812.82
    WESTON           FL   33327          1            02/05/03         23
    0435410402                           09           04/01/03          0
    022455MG                             O            03/01/33
    0

    8448631          B39/G01             F           70,092.00         ZZ
                                         360         70,092.00          1
                                       9.125            570.29         99
                                       8.875            570.29
    EAU CLAIRE       WI   54703          1            02/14/03         23
    0435405014                           05           04/01/03          0
    20030097F                            O            03/01/33
    0
1

    8448757          W34/G01             F          114,000.00         ZZ
                                         360        114,000.00          1
                                       7.750            816.71         99
                                       7.500            816.71
    ROCKLEDGE        FL   32955          5            02/13/03         23
    0435400825                           05           04/01/03          0
    99160601                             O            03/01/33
    0

    8448831          X81/G01             F          183,150.00         ZZ
                                         360        183,150.00          1
                                       8.250          1,375.94         99
                                       8.000          1,375.94
    FARIBAULT        MN   55021          1            02/06/03         23
    0435405121                           05           04/01/03          0
    952966                               O            03/01/33
    0

    8449107          642/G01             F          122,570.00         ZZ
                                         360        122,570.00          1
                                       8.125            910.08        103
                                       7.875            910.08
    WYOMING          MI   49509          5            02/12/03         23
    0435395157                           05           04/01/03          0
    01180303                             O            03/01/33
    0

    8449131          E76/G01             F           40,050.00         ZZ
                                         360         40,050.00          1
                                       8.250            300.88        100
                                       8.000            300.88
    TEXARKANA        AR   71854          1            02/14/03         23
    0435422316                           05           04/01/03          0
    10021432                             O            03/01/33
    0

    8449909          E22/G01             F          121,500.00         ZZ
                                         360        121,500.00          1
                                       7.500            849.55        103
                                       7.250            849.55
    LARAMIE          WY   82070          1            02/18/03         23
    0415644673                           05           04/01/03          0
    0415644673                           O            03/01/33
    0

    8449933          E22/G01             F          114,900.00         ZZ
                                         360        114,900.00          1
1

                                       8.250            863.21        100
                                       7.750            863.21
    PLANT CITY       FL   33566          1            02/18/03         23
    0415825116                           03           04/01/03          0
    0415825116                           O            03/01/33
    0

    8449935          E22/G01             F          401,264.00         ZZ
                                         360        401,264.00          1
                                       7.500          2,805.70        106
                                       7.250          2,805.70
    WELLINGTON       FL   33414          1            02/18/03         23
    0415835412                           03           04/01/03          0
    0415835412                           O            03/01/33
    0

    8450009          E22/G01             F          170,980.00         ZZ
                                         360        170,980.00          1
                                       7.875          1,239.72        103
                                       7.625          1,239.72
    WAILUKU          HI   96793          5            02/10/03         23
    0416038685                           01           04/01/03          0
    0416038685                           O            03/01/33
    0

    8450027          E22/G01             F           88,700.00         ZZ
                                         360         88,700.00          1
                                       7.250            605.09        100
                                       6.750            605.09
    LEWISTON         ID   83501          2            02/06/03         23
    0416050359                           05           04/01/03          0
    0416050359                           O            03/01/33
    0

    8450031          E22/G01             F          190,000.00         ZZ
                                         360        190,000.00          2
                                       7.875          1,377.63        100
                                       7.625          1,377.63
    LA (WILMINGTON)  CA   90744          1            02/05/03         23
    0416060028                           05           04/01/03          0
    0416060028                           O            03/01/33
    0

    8450055          E22/G01             F          141,000.00         ZZ
                                         360        141,000.00          1
                                       8.125          1,046.92        100
                                       7.875          1,046.92
    COLUMBIA         SC   29205          1            02/18/03         23
    0416139574                           05           04/01/03          0
1

    0416139574                           O            03/01/33
    0

    8450063          E22/G01             F          171,000.00         ZZ
                                         360        171,000.00          1
                                       7.750          1,225.06         99
                                       7.250          1,225.06
    LEAVENWORTH      WA   98826          2            02/07/03         23
    0416146280                           05           04/01/03          0
    0416146280                           O            03/01/33
    0

    8450073          E22/G01             F          153,000.00         ZZ
                                         360        153,000.00          1
                                       7.875          1,109.36        107
                                       7.375          1,109.36
    MARYSVILLE       CA   95901          1            02/10/03         23
    0416170801                           05           04/01/03          0
    0416170801                           O            03/01/33
    0

    8450099          E22/G01             F          173,900.00         ZZ
                                         360        173,900.00          1
                                       8.500          1,337.14        103
                                       8.250          1,337.14
    WHEAT RIDGE      CO   80033          1            02/18/03         23
    0416079804                           05           04/01/03          0
    0416079804                           O            03/01/33
    0

    8450107          E22/G01             F          277,500.00         ZZ
                                         360        277,500.00          1
                                       7.375          1,916.62        100
                                       7.125          1,916.62
    SELAH            WA   98942          1            02/13/03         23
    0416081974                           05           04/01/03          0
    0416081974                           O            03/01/33
    0

    8450123          E22/G01             F           62,700.00         ZZ
                                         360         62,700.00          1
                                       8.250            471.04         95
                                       8.000            471.04
    GRAFTON          OH   44044          1            02/18/03         23
    0415983121                           05           04/01/03          0
    0415983121                           N            03/01/33
    0

1

    8450251          W45/G01             F          174,230.00         ZZ
                                         360        174,230.00          1
                                       8.000          1,278.44         99
                                       7.750          1,278.44
    KENNEWICK        WA   99336          2            02/05/03         23
    0435412846                           05           04/01/03          0
    02121917425                          O            03/01/33
    0

    8450253          W45/G01             F          157,590.00         ZZ
                                         360        157,590.00          1
                                       8.875          1,253.86        103
                                       8.625          1,253.86
    LEADVILLE        CO   80461          5            02/12/03         23
    0435426705                           05           04/01/03          0
    02100811827                          O            03/01/33
    0

    8450799          642/G01             F           67,600.00         ZZ
                                         360         67,600.00          1
                                       7.875            490.15        105
                                       7.625            490.15
    TAMARAC          FL   33321          1            02/10/03         23
    0435423066                           01           04/01/03          0
    01-2012-03                           O            03/01/33
    0

    8451133          J95/G01             F           58,850.00         ZZ
                                         360         58,850.00          1
                                       7.500            411.49        107
                                       7.250            411.49
    CADET            MO   63630          1            02/10/03         23
    0435429022                           05           04/01/03          0
    0041218033                           O            03/01/33
    0

    8451305          F64/G01             F           69,900.00         ZZ
                                         360         69,900.00          1
                                       9.000            562.43        103
                                       8.750            562.43
    NORFOLK          VA   23502          1            02/07/03         23
    0435420062                           05           04/01/03          0
    4000003557                           O            03/01/33
    0

    8451315          U05/G01             F          140,500.00         ZZ
                                         360        140,500.00          1
                                       7.375            970.40        100
                                       7.125            970.40
1

    KATY             TX   77450          1            02/12/03         23
    0435417605                           03           04/01/03          0
    3314883                              O            03/01/33
    0

    8451349          J95/G01             F          123,050.00         ZZ
                                         360        123,050.00          1
                                       7.125            829.02        107
                                       6.875            829.02
    INGLESIDE        TX   78362          1            02/12/03         23
    0435422662                           05           04/01/03          0
    0041053430                           O            03/01/33
    0

    8451417          E86/G01             F          118,250.00         ZZ
                                         360        118,250.00          1
                                       7.875            857.39         95
                                       7.625            857.39
    ADELANTO         CA   92301          1            02/06/03         23
    0435430228                           05           04/01/03          0
    316691                               N            03/01/33
    0

    8451429          R56/G01             F          226,000.00         ZZ
                                         360        225,844.47          1
                                       7.875          1,638.66        103
                                       7.625          1,638.66
    DIXON            CA   95620          5            01/24/03         23
    0435409529                           05           03/01/03          0
    02147961CA                           O            02/01/33
    0

    8451455          P57/G01             F          176,550.00         ZZ
                                         180        176,443.04          1
                                       8.500          1,357.52        107
                                       8.250          1,357.52
    GREENVILLE       MI   48838          2            01/27/03         23
    0435411350                           05           03/01/03          0
    02100537                             O            02/01/18
    0

    8451457          B43/G01             F          163,000.00         ZZ
                                         360        163,000.00          1
                                       8.375          1,238.92         99
                                       8.125          1,238.92
    LA PUENTE AREA   CA   91746          1            02/03/03         23
    0435412440                           01           04/01/03          0
    30070                                O            03/01/33
    0
1

    8451467          P57/G01             F          242,900.00         ZZ
                                         180        242,780.52          1
                                       9.500          2,042.44        100
                                       9.250          2,042.44
    SOUTHFIELD       MI   48076          1            01/27/03         23
    0435411335                           05           03/01/03          0
    02100474                             O            02/01/18
    0

    8451471          K15/G01             F           90,900.00         ZZ
                                         360         90,842.04          1
                                       8.250            682.90        107
                                       8.000            682.90
    BROOKLYN         NY   11236          1            01/27/03         23
    0435412002                           01           03/01/03          0
    020705505708                         O            02/01/33
    0

    8451485          P57/G01             F          139,100.00         ZZ
                                         180        139,006.47          1
                                       7.990          1,019.70        107
                                       7.740          1,019.70
    INDIANAPOLIS     IN   46221          5            01/27/03         23
    0435411228                           05           03/01/03          0
    02100582                             O            02/01/18
    0

    8451533          G75/G01             F           63,850.00         ZZ
                                         360         63,850.00          1
                                       7.250            435.57        103
                                       7.000            435.57
    VANDALIA         OH   45377          1            02/06/03         23
    0435417902                           01           04/01/03          0
    4937352                              O            03/01/33
    0

    8451541          N67/G01             F          235,000.00         ZZ
                                         360        235,000.00          2
                                       7.500          1,643.15        100
                                       7.250          1,643.15
    LONG BEACH       CA   90805          1            02/05/03         23
    0435420336                           05           04/01/03          0
    1781004985                           O            03/01/33
    0

    8451649          H76/G01             F          176,550.00         ZZ
                                         360        176,550.00          1
1

                                       7.375          1,219.39        107
                                       7.125          1,219.39
    ROANOKE          VA   24012          5            02/14/03         23
    0435422449                           05           04/01/03          0
    2003470783                           O            03/01/33
    0

    8451699          X67/G01             F          220,000.00         ZZ
                                         360        219,852.39          1
                                       8.000          1,614.28        100
                                       7.750          1,614.28
    PACOIMA AREA     CA   91331          1            01/30/03         23
    0435410659                           05           03/01/03          0
    00282937                             O            02/01/33
    0

    8451705          R49/G01             F          214,000.00         ZZ
                                         360        214,000.00          1
                                       7.500          1,496.32        107
                                       7.250          1,496.32
    ARNOLD           MO   63010          2            02/10/03         23
    0435420146                           03           04/01/03          0
    W03010095                            O            03/01/33
    0

    8451731          H76/G01             F          157,500.00         ZZ
                                         360        157,377.13          1
                                       7.250          1,074.43         97
                                       7.000          1,074.43
    TAYLORSVILLE     NC   28681          5            01/28/03         23
    0435422985                           05           03/01/03          0
    2002457605                           O            02/01/33
    0

    8451733          808/G01             F          272,950.00         ZZ
                                         360        272,950.00          1
                                       8.500          2,098.75        103
                                       8.250          2,098.75
    CLOVIS           CA   93612          1            02/04/03         23
    0435426200                           05           04/01/03          0
    9105992                              O            03/01/33
    0

    8451735          M45/G01             F           67,200.00         ZZ
                                         360         67,151.36          1
                                       7.625            475.64        104
                                       7.375            475.64
    HOT SPRINGS      AR   71913          1            01/08/03         23
    0435429329                           05           03/01/03          0
1

    A0401450                             O            02/01/33
    0

    8451745          808/G01             F          251,200.00         ZZ
                                         360        251,039.81          1
                                       8.250          1,887.19        102
                                       8.000          1,887.19
    PALMDALE         CA   93551          5            01/27/03         23
    0435420930                           05           03/01/03          0
    9429751                              O            02/01/33
    0

    8451751          W39/G01             F          121,500.00         ZZ
                                         360        121,500.00          1
                                       7.500            849.55        104
                                       7.250            849.55
    BATON ROUGE      LA   70809          1            02/13/03         23
    0435407267                           07           04/01/03          0
    LA030565                             O            03/01/33
    0

    8451757          M45/G01             F          231,750.00         ZZ
                                         360        231,569.21          1
                                       7.250          1,580.95        103
                                       7.000          1,580.95
    ANAHEIM          CA   92801          1            01/08/03         23
    0435428578                           01           03/01/03          0
    A0414799                             O            02/01/33
    0

    8451775          U05/G01             F          131,500.00         ZZ
                                         360        131,500.00          1
                                       7.375            908.24        102
                                       7.125            908.24
    SALEM            OR   97301          5            02/03/03         23
    0435419007                           05           04/01/03          0
    3305628                              O            03/01/33
    0

    8451789          588/G01             F          240,750.00         ZZ
                                         360        239,751.69          1
                                       7.000          1,601.72        107
                                       6.750          1,601.72
    ARLINGTON        VA   22204          1            09/27/02         23
    0435428842                           03           11/01/02          0
    1076005                              O            10/01/32
    0

1

    8452245          J95/G01             F           66,300.00         ZZ
                                         360         66,300.00          1
                                       7.875            480.73        107
                                       7.625            480.73
    RICHMOND         TX   77469          1            02/07/03         23
    0435402680                           05           04/01/03          0
    0041425422                           O            03/01/33
    0

    8453021          E22/G01             F          113,000.00         ZZ
                                         360        113,000.00          1
                                       8.625            878.90        100
                                       8.375            878.90
    NORTH CHARLESTO  SC   29406          5            02/13/03         23
    0416007656                           05           04/01/03          0
    0416007656                           O            03/01/33
    0

    8453107          E22/G01             F          122,844.00         ZZ
                                         360        122,844.00          1
                                       8.250            922.89         95
                                       8.000            922.89
    RICHLAND         MI   49083          1            02/19/03         23
    0416058774                           05           04/01/03          0
    0416058774                           N            03/01/33
    0

    8453137          Q64/G01             F           55,955.00         ZZ
                                         360         55,955.00          1
                                       7.625            396.05         95
                                       7.375            396.05
    DALLAS           TX   75227          1            02/07/03         23
    0435429147                           05           04/01/03          0
    0106061500                           N            03/01/33
    0

    8454147          X89/G01             F           91,567.00         ZZ
                                         360         91,567.00          1
                                       9.000            736.77        103
                                       8.750            736.77
    THE DALLES       OR   97058          1            02/07/03         23
    0435420112                           05           04/01/03          0
    2000240                              O            03/01/33
    0

    8454177          W89/G01             F          299,600.00         ZZ
                                         360        299,600.00          1
                                       7.875          2,172.31        107
                                       7.625          2,172.31
1

    WAIPAHU          HI   96797          5            02/11/03         23
    0435426234                           05           04/01/03          0
    4440257914                           O            03/01/33
    0

    8454179          W89/G01             F          110,200.00         ZZ
                                         360        110,200.00          1
                                       7.500            770.53        105
                                       7.250            770.53
    CEDAR RAPIDS     IA   52404          2            02/13/03         23
    0435420237                           05           04/01/03          0
    4440254872                           O            03/01/33
    0

    8454183          P01/G01             F          216,000.00         ZZ
                                         360        216,000.00          1
                                       7.375          1,491.86        106
                                       7.125          1,491.86
    DUANESBURG       NY   12056          1            02/06/03         23
    0435422019                           05           04/01/03          0
    02003131                             O            03/01/33
    0

    8454219          X91/G01             F          293,550.00         ZZ
                                         360        293,550.00          1
                                       6.750          1,903.96        103
                                       6.500          1,903.96
    KAPOLEI          HI   96707          1            02/07/03         23
    0435422951                           03           04/01/03          0
    803988                               O            03/01/33
    0

    8454257          E86/G01             F          114,000.00         ZZ
                                         360        114,000.00          1
                                       7.875            826.57         95
                                       7.625            826.57
    ADELANTO         CA   92301          1            02/05/03         23
    0435427257                           05           04/01/03          0
    0000274406                           N            03/01/33
    0

    8454269          E86/G01             F          113,500.00         ZZ
                                         360        113,500.00          1
                                       7.875            822.95         95
                                       7.625            822.95
    VICTORVILLE      CA   92394          1            02/06/03         23
    0435427208                           05           04/01/03          0
    0000268539                           N            03/01/33
    0
1

    8454279          K15/G01             F          147,200.00         ZZ
                                         360        147,200.00          1
                                       8.875          1,171.19        103
                                       8.625          1,171.19
    MANCHESTER       CT   06040          5            02/10/03         23
    0435422993                           01           04/01/03          0
    037905505638                         O            03/01/33
    0

    8454415          G27/G01             F          106,575.00         ZZ
                                         360        106,575.00          1
                                       6.750            691.24        105
                                       6.500            691.24
    BAKERSFIELD      CA   93307          1            02/12/03         23
    0435412390                           03           04/01/03          0
    20302529                             O            03/01/33
    0

    8454739          U35/G01             F          128,750.00         ZZ
                                         360        128,750.00          1
                                       8.625          1,001.40        103
                                       8.375          1,001.40
    MENASHA          WI   54952          5            02/19/03         23
    0435421227                           05           04/01/03          0
    10882452                             O            03/01/33
    0

    8454937          313/G01             F           44,000.00         ZZ
                                         180         44,000.00          2
                                       8.250            330.56        100
                                       8.000            330.56
    INDIANAPOLIS     IN   46202          1            02/10/03         23
    0435418678                           05           04/01/03          0
    0009301391                           O            03/01/18
    0

    8455027          E65/G01             F          160,250.00         ZZ
                                         360        160,250.00          1
                                       7.625          1,134.24        104
                                       7.375          1,134.24
    WALKER           MI   49544          1            02/14/03         23
    0435427471                           05           04/01/03          0
    256324                               O            03/01/33
    0

    8455575          808/G01             F          225,436.00         ZZ
                                         360        225,255.72          1
1

                                       7.125          1,518.81        103
                                       6.875          1,518.81
    BAKERSFIELD      CA   93312          1            01/30/03         23
    0435427430                           05           03/01/03          0
    9430029                              O            02/01/33
    0

    8456531          808/G01             F          174,585.00         ZZ
                                         360        174,585.00          1
                                       7.500          1,220.73        103
                                       7.250          1,220.73
    MODESTO          CA   95356          1            02/10/03         23
    0435428016                           05           04/01/03          0
    1                                    O            03/01/33
    0

    8456641          U96/G01             F          112,000.00         ZZ
                                         360        112,000.00          1
                                       7.250            764.04        107
                                       7.000            764.04
    HONOKAA          HI   96727          1            02/14/03         23
    0435426309                           05           04/01/03          0
    21000131                             O            03/01/33
    0

    8456661          253/G01             F           80,340.00         ZZ
                                         180         80,107.82          1
                                       8.000            767.78        103
                                       7.750            767.78
    NORTH RICHLAND   TX   76180          1            01/31/03         10
    0435416136                           05           03/01/03         35
    452436                               O            02/01/18
    0

    8456781          X31/G01             F          132,000.00         ZZ
                                         360        132,000.00          1
                                       7.000            878.20        100
                                       6.750            878.20
    LAS VEGAS        NV   89145          1            02/01/03         23
    0435414040                           05           04/01/03          0
    71000026                             O            03/01/33
    0

    8458827          E22/G01             F           80,250.00         ZZ
                                         360         80,250.00          1
                                       7.750            574.92        107
                                       7.250            574.92
    DELTONA          FL   32738          2            02/14/03         23
    0416151991                           05           04/01/03          0
1

    0416151991                           O            03/01/33
    0

    8458861          E22/G01             F           88,500.00         ZZ
                                         360         88,500.00          1
                                       9.250            728.07        100
                                       8.750            728.07
    BREMERTON        WA   98310          1            02/18/03         23
    0416160406                           05           04/01/03          0
    0416160406                           O            03/01/33
    0

    8458989          E22/G01             F          131,100.00         ZZ
                                         360        131,100.00          1
                                       8.375            996.45         95
                                       7.875            996.45
    CORAL SPRINGS    FL   33065          1            02/07/03         23
    0415737014                           09           04/01/03          0
    0415737014                           N            03/01/33
    0

    8459069          E22/G01             F           23,655.00         ZZ
                                         360         23,655.00          1
                                       8.000            173.57         95
                                       7.750            173.57
    FORT WAYNE       IN   46807          1            02/20/03         23
    0415909266                           05           04/01/03          0
    0415909266                           N            03/01/33
    0

    8459307          E22/G01             F          155,000.00         ZZ
                                         360        155,000.00          1
                                       7.625          1,097.08        107
                                       7.375          1,097.08
    COLORADO SPRING  CO   80915          2            02/14/03         23
    0416019438                           05           04/01/03          0
    0416019438                           O            03/01/33
    0

    8459315          E22/G01             F           91,400.00         ZZ
                                         360         91,400.00          1
                                       7.625            646.92        107
                                       7.125            646.92
    MEMPHIS          TN   38119          5            02/14/03         23
    0416021038                           03           04/01/03          0
    0416021038                           O            03/01/33
    0

1

    8459367          E22/G01             F          112,000.00         ZZ
                                         360        112,000.00          1
                                       7.500            783.12        107
                                       7.250            783.12
    ARLINGTON        TX   76017          1            02/20/03         23
    0416035871                           05           04/01/03          0
    0416035871                           O            03/01/33
    0

    8459869          N67/G01             F          207,000.00         ZZ
                                         360        207,000.00          1
                                       8.375          1,573.35        100
                                       8.125          1,573.35
    BRONX            NY   10457          1            02/10/03         23
    0435429113                           07           04/01/03          0
    3274006337                           O            03/01/33
    0

    8460853          940/G01             F          199,000.00         ZZ
                                         360        199,000.00          1
                                       7.500          1,391.44        100
                                       7.250          1,391.44
    REDLANDS         CA   92374          1            02/10/03         23
    0435426697                           05           04/01/03          0
    40030121                             O            03/01/33
    0

    8460915          E57/G01             F           83,500.00         ZZ
                                         360         83,453.19          2
                                       8.875            664.36        103
                                       8.625            664.36
    FRESNO           CA   93701          1            01/28/03         23
    0435429535                           05           03/01/03          0
    13004479                             O            02/01/33
    0

    8460983          H76/G01             F          207,200.00         ZZ
                                         360        207,200.00          1
                                       7.625          1,466.55        107
                                       7.375          1,466.55
    HUDSON           FL   34669          5            02/10/03         23
    0435430236                           03           04/01/03          0
    2002468965                           O            03/01/33
    0

    8461003          H76/G01             F           79,200.00         ZZ
                                         360         79,200.00          1
                                       7.750            567.40         99
                                       7.500            567.40
1

    WASECA           MN   56093          5            02/19/03         23
    0435430129                           05           04/01/03          0
    2003471349                           O            03/01/33
    0

    8461219          U35/G01             F           94,500.00         ZZ
                                         360         94,500.00          1
                                       7.500            660.76        105
                                       7.250            660.76
    FOND DU LAC      WI   54935          1            02/20/03         23
    0435425939                           05           04/01/03          0
    10892273                             O            03/01/33
    0

    8461235          E86/G01             F          123,000.00         ZZ
                                         360        123,000.00          1
                                       7.875            891.83         95
                                       7.625            891.83
    PHOENIX          AZ   85043          1            02/10/03         23
    0435423637                           03           04/01/03          0
    1                                    N            03/01/33
    0

    8461295          U05/G01             F          140,675.00         ZZ
                                         360        140,675.00          1
                                       7.625            995.69        103
                                       7.375            995.69
    GRANTS PASS      OR   97526          5            02/07/03         23
    0435424866                           05           04/01/03          0
    3293418                              O            03/01/33
    0

    8461309          U85/G01             F          125,000.00         ZZ
                                         360        125,000.00          1
                                       8.500            961.14        100
                                       8.250            961.14
    WEST ALLIS       WI   53214          1            02/21/03         23
    0435425236                           05           04/01/03          0
    1                                    O            03/01/33
    0

    8461465          U05/G01             F          114,000.00         ZZ
                                         360        114,000.00          1
                                       7.000            758.44        100
                                       6.750            758.44
    ASHLEY           PA   18706          2            02/06/03         23
    0435423538                           05           04/01/03          0
    3292343                              O            03/01/33
    0
1

    8461481          W39/G01             F          112,550.00         ZZ
                                         360        112,550.00          1
                                       7.875            816.07        105
                                       7.625            816.07
    TALLAHASSEE      FL   32308          1            02/20/03         23
    0435425640                           05           04/01/03          0
    LA030411                             O            03/01/33
    0

    8461505          624/G01             F          214,500.00         ZZ
                                         360        214,500.00          1
                                       7.875          1,555.27        102
                                       7.625          1,555.27
    RYE              CO   81069          5            02/11/03         23
    0435428974                           05           04/01/03          0
    1000022035                           O            03/01/33
    0

    8461621          K15/G01             F           83,500.00         ZZ
                                         360         83,500.00          1
                                       7.000            555.53        100
                                       6.750            555.53
    OLD TOWN         ME   04468          1            02/18/03         23
    0435427786                           05           04/01/03          0
    007005510282                         O            03/01/33
    0

    8461627          K15/G01             F           79,200.00         ZZ
                                         360         79,200.00          1
                                       8.500            608.98         99
                                       8.250            608.98
    COLUMBUS         OH   43204          5            02/12/03         23
    0435427877                           05           04/01/03          0
    028505505480                         O            03/01/33
    0

    8461665          K15/G01             F           94,500.00         ZZ
                                         360         94,500.00          1
                                       7.875            685.19         99
                                       7.625            685.19
    CINCINNATI       OH   45211          5            02/13/03         23
    0435427984                           05           04/01/03          0
    028105506492                         O            03/01/33
    0

    8461699          940/G01             F          179,200.00         ZZ
                                         360        179,200.00          1
1

                                       7.375          1,237.69        103
                                       7.125          1,237.69
    SAN BERNARDINO   CA   92404          1            02/14/03         23
    0435427570                           05           04/01/03          0
    40030034                             O            03/01/33
    0

    8461709          U35/G01             F           50,470.00         ZZ
                                         360         50,470.00          1
                                       8.875            401.56        103
                                       8.625            401.56
    STREATOR         IL   61364          1            02/20/03         23
    0435429063                           05           04/01/03          0
    0007684721                           O            03/01/33
    0

    8462363          737/G01             F           83,000.00         ZZ
                                         360         83,000.00          1
                                       8.000            609.02        100
                                       7.750            609.02
    MESA             AZ   85201          1            02/12/03         23
    0435431234                           05           04/01/03          0
    2107450                              O            03/01/33
    0

    8464585          E22/G01             F          174,000.00         ZZ
                                         360        174,000.00          1
                                       9.000          1,400.04        100
                                       8.750          1,400.04
    EVERETT          WA   98203          1            02/17/03         23
    0415744606                           05           04/01/03          0
    0415744606                           O            03/01/33
    0

    8464601          E22/G01             F          159,390.00         ZZ
                                         360        159,390.00          1
                                       8.625          1,239.72         99
                                       8.375          1,239.72
    OVIEDO           FL   32765          1            02/21/03         23
    0415838465                           03           04/01/03          0
    0415838465                           O            03/01/33
    0

    8464639          E22/G01             F          106,000.00         ZZ
                                         360        106,000.00          1
                                       8.750            833.90        103
                                       8.500            833.90
    IRMO             SC   29063          5            02/17/03         23
    0415983139                           05           04/01/03          0
1

    0415983139                           O            03/01/33
    0

    8464651          E22/G01             F          106,500.00         ZZ
                                         360        106,500.00          1
                                       7.500            744.66        106
                                       7.000            744.66
    JEFFERSONVILLE   IN   47130          1            02/21/03         23
    0416015899                           05           04/01/03          0
    0416015899                           O            03/01/33
    0

    8464737          E22/G01             F          109,600.00         ZZ
                                         360        109,600.00          1
                                       8.125            813.78        100
                                       7.875            813.78
    BURTON           MI   48509          2            02/17/03         23
    0416076982                           05           04/01/03          0
    0416076982                           O            03/01/33
    0

    8464783          E22/G01             F          134,900.00         ZZ
                                         360        134,900.00          1
                                       8.500          1,037.26        103
                                       8.250          1,037.26
    FLUSHING         MI   48433          5            02/17/03         23
    0416166304                           05           04/01/03          0
    0416166304                           O            03/01/33
    0

    8464785          E22/G01             F          113,420.00         ZZ
                                         360        113,420.00          1
                                       7.625            802.78        107
                                       7.125            802.78
    KIRKLAND         WA   98033          2            02/14/03         23
    0416176303                           01           04/01/03          0
    0416176303                           O            03/01/33
    0

    8465197          E60/G01             F          347,000.00         ZZ
                                         360        346,729.31          1
                                       7.250          2,367.15        103
                                       7.000          2,367.15
    MORRO BAY        CA   93442          1            01/28/03         23
    0435428859                           05           03/01/03          0
    SLO1210070                           O            02/01/33
    0

1

    8465357          685/G01             F          304,000.00         ZZ
                                         360        304,000.00          1
                                       7.375          2,099.65        102
                                       7.125          2,099.65
    ARCADIA          CA   91006          1            02/07/03         23
    0435429006                           05           04/01/03          0
    211777                               O            03/01/33
    0

    8465811          F64/G01             F          119,500.00         ZZ
                                         360        119,500.00          1
                                       7.750            856.11        100
                                       7.500            856.11
    CHESAPEAKE       VA   23320          1            02/05/03         23
    0435428909                           05           04/01/03          0
    998065-01                            O            03/01/33
    0

    8465827          808/G01             F          144,343.00         ZZ
                                         360        144,343.00          1
                                       7.500          1,009.27        107
                                       7.250          1,009.27
    WINTON           CA   95388          1            02/10/03         23
    0435429899                           05           04/01/03          0
    9429196                              O            03/01/33
    0

    8465895          J95/G01             F          148,100.00         ZZ
                                         360        148,100.00          1
                                       8.250          1,112.63         95
                                       8.000          1,112.63
    ANNAPOLIS        MD   21403          1            02/11/03         23
    0435427992                           09           04/01/03          0
    0041530239                           N            03/01/33
    0

    8465901          N46/G01             F          127,700.00         ZZ
                                         360        127,700.00          1
                                       8.250            959.37        103
                                       8.000            959.37
    NORTH CHARLESTO  SC   29405          1            02/21/03         23
    0435429501                           05           04/01/03          0
    101339601                            O            03/01/33
    0

    8465909          588/G01             F          242,000.00         ZZ
                                         360        242,000.00          1
                                       7.500          1,692.10        106
                                       7.250          1,692.10
1

    RARITAN TOWNSHI  NJ   08822          1            02/18/03         23
    0435430400                           05           04/01/03          0
    1084653                              O            03/01/33
    0

    8465927          J95/G01             F          154,500.00         ZZ
                                         360        154,382.43          1
                                       7.375          1,067.10        103
                                       7.125          1,067.10
    GRANTS PASS      OR   97527          1            01/23/03         23
    0435427869                           05           03/01/03          0
    0041141060                           O            02/01/33
    0

    8465947          H76/G01             F          184,370.00         ZZ
                                         360        184,370.00          1
                                       7.500          1,289.14        103
                                       7.250          1,289.14
    THORNTON         CO   80229          5            02/18/03         23
    0435430244                           05           04/01/03          0
    2002472759                           O            03/01/33
    0

    8465959          R74/G01             F           90,900.00         ZZ
                                         180         90,900.00          1
                                       8.000            868.69        107
                                       7.750            868.69
    TOPEKA           KS   66604          2            02/03/03         23
    0435429345                           07           04/01/03          0
    6000013603                           O            03/01/18
    0

    8466023          F34/G01             F          262,650.00         ZZ
                                         360        262,650.00          1
                                       6.875          1,725.42        103
                                       6.625          1,725.42
    ARLINGTON        VA   22213          1            02/10/03         23
    0435429980                           01           04/01/03          0
    10301021                             O            03/01/33
    0

    8466117          624/G01             F          222,750.00         ZZ
                                         360        222,567.41          1
                                       7.000          1,481.96         99
                                       6.750          1,481.96
    HANFORD          CA   93230          2            01/28/03         23
    0435432307                           05           03/01/03          0
    1000022726                           O            02/01/33
    0
1

    8467113          E22/G01             F           56,050.00         ZZ
                                         360         56,050.00          1
                                       8.375            426.02         95
                                       8.125            426.02
    KANSAS CITY      MO   64130          1            02/24/03         23
    0415653724                           05           04/01/03          0
    0415653724                           N            03/01/33
    0

    8467271          E22/G01             F          298,200.00         ZZ
                                         360        298,200.00          1
                                       7.375          2,059.59        107
                                       7.125          2,059.59
    STERLING         VA   20164          1            02/21/03         23
    0415970458                           05           04/01/03          0
    0415970458                           O            03/01/33
    0

    8467315          E22/G01             F          185,800.00         ZZ
                                         360        185,800.00          1
                                       7.875          1,347.18        107
                                       7.625          1,347.18
    GRAYSLAKE        IL   60030          2            02/19/03         23
    0416022341                           07           04/01/03          0
    0416022341                           O            03/01/33
    0

    8467337          E22/G01             F          176,550.00         ZZ
                                         360        176,550.00          1
                                       8.500          1,357.52        107
                                       8.000          1,357.52
    MILLINGTON       TN   38053          5            02/18/03         23
    0416049658                           05           04/01/03          0
    0416049658                           O            03/01/33
    0

    8467659          R65/G01             F          234,000.00         ZZ
                                         180        234,000.00          1
                                       7.250          2,136.10        107
                                       7.000          2,136.10
    SIMPSONVILLE     SC   29681          2            02/14/03         23
    0435432257                           05           04/01/03          0
    42027562954202                       O            03/01/18
    0

    8467673          K15/G01             F           73,000.00         ZZ
                                         360         73,000.00          1
1

                                       7.875            529.30         98
                                       7.625            529.30
    BOSSIER CITY     LA   71111          5            02/13/03         23
    0435431713                           05           04/01/03          0
    031805510925                         O            03/01/33
    0

    8467679          642/G01             F          331,400.00         ZZ
                                         360        331,400.00          1
                                       7.500          2,317.20        107
                                       7.250          2,317.20
    HOLLYWOOD        FL   33021          1            02/13/03         23
    0435432489                           05           04/01/03          0
    1124203                              O            03/01/33
    0

    8467709          U05/G01             F          145,500.00         ZZ
                                         360        145,500.00          1
                                       7.750          1,042.38        102
                                       7.500          1,042.38
    VANCOUVER        WA   98682          5            02/12/03         23
    0435430087                           05           04/01/03          0
    3313430                              O            03/01/33
    0

    8467733          Q78/G01             F          138,030.00         ZZ
                                         360        138,030.00          1
                                       8.625          1,073.59        107
                                       8.375          1,073.59
    PARK FOREST      IL   60488          5            02/20/03         23
    0435433347                           05           04/01/03          0
    722439                               O            03/01/33
    0

    8472331          N46/G01             F          162,000.00         ZZ
                                         360        162,000.00          1
                                       7.125          1,091.42        104
                                       6.875          1,091.42
    MOUNT PLEASANT   SC   29464          1            02/13/03         23
    0435430392                           03           04/01/03          0
    100845001                            O            03/01/33
    0

    8472491          624/G01             F          115,360.00         ZZ
                                         360        115,298.61          1
                                       9.125            938.61        103
                                       8.875            938.61
    FONTANA          CA   92337          1            01/30/03         23
    0435433719                           03           03/01/03          0
1

    1000020827                           O            02/01/33
    0

    8473003          147/G01             F           74,675.00         ZZ
                                         360         74,635.26          1
                                       9.125            607.58        103
                                       8.875            607.58
    PORTSMOUTH       VA   23703          1            01/21/03         23
    0435433057                           05           03/01/03          0
    10521051                             O            02/01/33
    0

    8473225          E22/G01             F          125,000.00         ZZ
                                         360        125,000.00          1
                                       7.500            874.02        105
                                       7.000            874.02
    PHEONIXVILLE     PA   17460          5            02/19/03         23
    0416041663                           05           04/01/03          0
    0416041663                           O            03/01/33
    0

    8473233          E22/G01             F           90,250.00         ZZ
                                         360         90,250.00          2
                                       7.500            631.04         95
                                       7.000            631.04
    MIAMI            FL   33150          1            02/25/03         23
    0416045334                           05           04/01/03          0
    0416045334                           N            03/01/33
    0

    8473419          E22/G01             F          339,950.00         ZZ
                                         360        339,950.00          1
                                       8.625          2,644.10        100
                                       8.375          2,644.10
    SEATTLE          WA   98122          1            02/21/03         23
    0416246726                           01           04/01/03          0
    0416246726                           O            03/01/33
    0

    8473633          F34/G01             F          292,850.00         ZZ
                                         360        292,850.00          1
                                       7.500          2,047.65        105
                                       7.250          2,047.65
    SPRINGFIELD      VA   22150          1            02/14/03         23
    0435432653                           05           04/01/03          0
    13301033                             O            03/01/33
    0

1

    8473777          J95/G01             F          146,590.00         ZZ
                                         360        146,486.54          1
                                       7.750          1,050.19        107
                                       7.500          1,050.19
    DRAIN            OR   97435          1            01/24/03         23
    0435432141                           05           03/01/03          0
    41259417                             O            02/01/33
    0

    8473861          J95/G01             F          112,000.00         ZZ
                                         360        112,000.00          1
                                       8.875            891.13        100
                                       8.625            891.13
    SPOKANE          WA   99205          5            02/06/03         23
    0435432208                           05           04/01/03          0
    0041430505                           O            03/01/33
    0

    8473865          K15/G01             F          159,600.00         ZZ
                                         360        159,600.00          1
                                       8.625          1,241.35        103
                                       8.375          1,241.35
    WINCHENDON       MA   01475          5            02/20/03         23
    0435434303                           05           04/01/03          0
    037805506811                         O            03/01/33
    0

    8474057          737/G01             F          143,273.00         ZZ
                                         360        143,273.00          1
                                       7.250            977.37        107
                                       7.000            977.37
    COMPTON          CA   90221          1            02/06/03         23
    0435430798                           05           04/01/03          0
    1848522                              O            03/01/33
    0

    8475407          E22/G01             F          331,500.00         ZZ
                                         360        331,500.00          1
                                       6.875          2,177.72        105
                                       6.375          2,177.72
    OAKLEY           CA   94561          1            02/20/03         23
    0416259844                           05           04/01/03          0
    0416259844                           O            03/01/33
    0

    8475977          147/G01             F          138,565.00         ZZ
                                         360        138,565.00          1
                                       7.750            992.70        107
                                       7.500            992.70
1

    COLONIAL HEIGHT  VA   23834          1            02/20/03         23
    0435434840                           05           04/01/03          0
    10523420                             O            03/01/33
    0

    8476253          147/G01             F          133,900.00         ZZ
                                         360        133,900.00          1
                                       8.000            982.51        103
                                       7.750            982.51
    PHOENIX          AZ   85022          5            02/10/03         23
    0435434816                           05           04/01/03          0
    10528281                             O            03/01/33
    0

    8476741          624/G01             F          101,770.00         ZZ
                                         360        101,770.00          1
                                       7.500            711.59        105
                                       7.250            711.59
    NILES            MI   49120          5            02/04/03         23
    0435438213                           05           04/01/03          0
    1000022736                           O            03/01/33
    0

    8477217          147/G01             F          145,000.00         ZZ
                                         360        145,000.00          2
                                       8.000          1,063.96        100
                                       7.750          1,063.96
    CHICAGO          IL   60609          1            02/12/03         23
    0435434774                           05           04/01/03          0
    10523123                             O            03/01/33
    0

   TOTAL NUMBER OF LOANS   :      2,124

   TOTAL ORIGINAL BALANCE  :   325,399,452.45

   TOTAL PRINCIPAL BALANCE :   325,000,022.61

   TOTAL ORIGINAL P+I      :     2,418,810.66

   TOTAL CURRENT P+I       :     2,418,810.55

                             ***************************
                             *      END OF REPORT      *
                             ***************************

<PAGE>

                                    EXHIBIT G

                          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 H-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 2003-RZ2, 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
Section 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 an electing  large
partnership  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

<PAGE>

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.

4. That the Owner is aware of the tax imposed on a "pass-through entity" holding
Class R-__  Certificates if either the pass-through  entity is an electing large
partnership  under  Section 775 of the Code or if at any time during the taxable
year of the pass-through entity a disqualified organization is the record holder
of an  interest in such  entity.  (For this  purpose,  a "pass  through  entity"
includes a  regulated  investment  company,  a real estate  investment  trust or
common trust fund, a partnership, trust or estate, and certain cooperatives.)

5. 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.

6. 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.

7. That the Owner consents to any additional  restrictions or arrangements  that
shall be deemed  necessary  upon advice of counsel to  constitute  a  reasonable
arrangement  to ensure  that the  Class  R-__  Certificates  will only be owned,
directly or indirectly, by an Owner that is not a disqualified organization.

8.      The Owner's Taxpayer Identification Number is ____________________.

9. 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.

10. 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  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 Annex I.

11.  That the Owner has no  present  knowledge  or  expectation  that it will be
unable  to  pay  any  United  States  taxes  owed  by it so  long  as any of the
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

<PAGE>

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.

12. That the Owner has no present  knowledge or expectation  that it will become
insolvent or subject to a bankruptcy  proceeding for so long as any of the Class
R-__ Certificates remain outstanding.

13. 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.

14. 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.

15. The Owner hereby  certifies,  represents and warrants to, and covenants with
the Company,  the Trustee and the Master Servicer that the following  statements
in (a) or (b) are  accurate:  (a) The  Purchaser  is not an employee  benefit or
other plan  subject to the  prohibited  transaction  provisions  of the Employee
Retirement Income Security Act of 1974, as amended ("ERISA"), or Section 4975 of
the 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 within
the  meaning  of  the  Department  of  Labor  ("DOL")  regulation  at 29  C.F.R.
ss.2510.3-101; or

(b) The Owner has provided the Trustee, the Company and the Master Servicer with
an opinion of counsel  acceptable to and in form and substance  satisfactory  to
the Trustee, the Company and the Master Servicer to the effect that the purchase
of  Certificates  is permissible  under  applicable  law, will not constitute or
result in any non-exempt  prohibited  transaction under ERISA or Section 4975 of
the Code and will not subject the Trustee, the Company or the Master Servicer to
any obligation or liability (including obligations or liabilities under ERISA or
Section  4975 of the Code) in  addition to those  undertaken  in the Pooling and
Servicing Agreement.

        In addition, the Owner hereby certifies, represents and warrants to, and
covenants with, the Company,  the Trustee and the Master Servicer that the Owner
will not transfer  such  Certificates  to any Plan or person  unless either such
Plan or person meets the requirements set forth in either (a) or (b) above.

        Capitalized  terms used but not defined  herein  shall have the meanings
assigned in the Pooling and Servicing Agreement.

<PAGE>

     IN WITNESS WHEREOF,  the Owner has caused this instrument to be executed on
its behalf,  pursuant to the authority of its Board of Directors,  by its [Title
of Officer]  and its  corporate  seal to be hereunto  attached,  attested by its
[Assistant] Secretary, this ____ day of ______________ 200__.

                               [NAME OF OWNER]

                               By: ___________________________________
                               [Name of Officer]
                               [Title of Officer]

[Corporate Seal]

ATTEST:

------------------------------
[Assistant] Secretary

               Personally  appeared before me the above-named [Name of Officer],
known  or  proved  to me to be  the  same  person  who  executed  the  foregoing
instrument and to be the [Title of Officer] of the Owner, and acknowledged to me
that he executed  the same as his free act and deed and the free act and deed of
the Owner.

               Subscribed and sworn before me this        day of , 200_.

                       ------------------------------------------
                       NOTARY PUBLIC

                       COUNTY OF ______________________________
                       STATE OF ________________________________
                       My Commission expires the ___ day of __________,
                       20__

<PAGE>

                                     ANNEX I
DEPARTMENT OF THE TREASURY

Internal Revenue Service

26 CFR Parts 1 and 602

[TD 9004]
RIN 1545-AW98

Real Estate Mortgage Investment Conduits

AGENCY: Internal Revenue Service (IRS), Treasury.

ACTION: Final regulations.

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

SUMMARY:  This  document  contains  final  regulations  relating  to safe harbor
transfers of noneconomic  residual interests in real estate mortgage  investment
conduits (REMICs).  The final regulations provide additional  limitations on the
circumstances under which transferors may claim safe harbor treatment.

DATES: Effective Date: These regulations are effective July 19, 2002.
    Applicability Date: For dates of applicability, see Sec. 1.860E-
(1)(c)(10).

FOR FURTHER INFORMATION CONTACT: Courtney Shepardson at (202) 622-3940
(not a toll-free number).

SUPPLEMENTARY INFORMATION:

Paperwork Reduction Act

    The  collection  of  information  in this final rule has been  reviewed and,
pending  receipt and  evaluation of public  comments,  approved by the Office of
Management  and Budget (OMB) under 44 U.S.C.  3507 and assigned  control  number
1545-1675.
    The  collection  of  information  in  this  regulation  is in  Sec.  1.860E-
1(c)(5)(ii).  This  information  is  required to enable the IRS to verify that a
taxpayer is complying with the conditions of this regulation.  The collection of
information  is mandatory  and is  required.  Otherwise,  the taxpayer  will not
receive the benefit of safe harbor treatment as provided in the regulation.  The
likely respondents are businesses and other for-profit institutions.
    Comments on the  collection of  information  should be sent to the Office of
Management  and Budget,  Attn:  Desk Officer for the Department of the Treasury,
Office of Information and Regulatory Affairs, Washington, DC, 20503, with copies
to  the  Internal  Revenue  Service,   Attn:  IRS  Reports  Clearance   Officer,

<PAGE>

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.
    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

<PAGE>

intends to pay those taxes (the representation requirement).
    The  IRS  and  Treasury  have  been  concerned  that  some   transferors  of
noneconomic  residual  interests  claim they  satisfy  the safe  harbor  even in
situations  where the economics of the transfer  clearly indicate the transferee
is unwilling or unable to pay the tax associated with holding the interest.  For
this reason,  on February 7, 2000, the IRS published in the Federal Register (65
FR 5807) a notice of proposed rulemaking (REG-100276-97; REG-122450-98) designed
to clarify the safe harbor by adding the "formula  test," an economic  test. The
proposed  regulation  provides  that the safe harbor is  unavailable  unless the
present value of the  anticipated  tax  liabilities  associated with holding the
residual  interest  does not  exceed the sum of:  (1) The  present  value of any
consideration  given to the transferee to acquire the interest;  (2) the present
value of the expected future distributions on the interest;  and (3) the present
value of the anticipated tax savings associated with holding the interest as the
REMIC generates losses.
    The notice of proposed  rulemaking also contained rules for FASITs.  Section
1.860H-6(g) of the proposed regulations  provides  requirements for transfers of
FASIT  ownership  interests  and adopts a safe harbor by  reference  to the safe
harbor provisions of the REMIC regulations.
    In January 2001, the IRS published Rev. Proc. 2001-12 (2001-3 I.R.B. 335) to
set forth an alternative  safe harbor that taxpayers could use while the IRS and
the  Treasury  considered  comments  on  the  proposed  regulations.  Under  the
alternative safe harbor, if a transferor meets the investigation requirement and
the representation  requirement but the transfer fails to meet the formula test,
the transferor  may invoke the safe harbor if the transferee  meets a two- prong
test (the asset test). A transferee generally meets the first prong of this test
if, at the time of the transfer, and in each of the two years preceding the year
of  transfer,  the  transferee's  gross  assets  exceed $100 million and its net
assets exceed $10 million. A transferee generally meets the second prong of this
test if it is a  domestic,  taxable  corporation  and agrees in  writing  not to
transfer  the  interest  to any person  other  than  another  domestic,  taxable
corporation that also satisfies the requirements of the asset test. A transferor
cannot rely on the asset test if the  transferor  knows,  or has reason to know,
that the  transferee  will not comply  with its written  agreement  to limit the
restrictions on subsequent transfers of the residual interest.
    Rev. Proc. 2001-12 provides that the asset test fails to be satisfied in the
case of a transfer or assignment of a noneconomic residual interest to a foreign
branch of an otherwise  eligible  transferee.  If such a transfer or  assignment
were permitted,  a corporate taxpayer might seek to claim that the provisions of
an  applicable  income tax treaty  would  resource  excess  inclusion  income as
foreign  source  income,  and that,  as a  consequence,  any U.S. tax  liability
attributable  to the excess  inclusion  income  could be offset by  foreign  tax
credits.  Such a claim would impede the  assessment or collection of U.S. tax on
excess inclusion income,  contrary to the congressional purpose of assuring that
such income will be taxable in all events. See, e.g., sections 860E(a)(1),  (b),

<PAGE>

(e) and 860G(b) of the Code.
    The Treasury and the IRS have  learned that certain  taxpayers  transferring
noneconomic residual interests to foreign branches have attempted to rely on the
formula  test to obtain  safe  harbor  treatment  in an  effort  to  impede  the
assessment or collection of U.S. tax on excess  inclusion  income.  Accordingly,
the  final  regulations  provide  that if a  noneconomic  residual  interest  is
transferred  to a  foreign  permanent  establishment  or  fixed  base  of a U.S.
taxpayer,  the transfer is not eligible for safe harbor  treatment  under either
the asset  test or the  formula  test.  The  final  regulations  also  require a
transferee  to  represent  that it will not cause  income  from the  noneconomic
residual  interest to be attributable to a foreign  permanent  establishment  or
fixed base.
    Section 1.860E-1(c)(8)  provides computational rules that a taxpayer may use
to  qualify  for  safe  harbor   status   under  the   formula   test.   Section
1.860E-1(c)(8)(i)  provides that the transferee is presumed to pay tax at a rate
equal to the highest rate of tax specified in section 11(b).  Some  commentators
were  concerned that this presumed rate of taxation was too high because it does
not take into  consideration  taxpayers  subject to the alternative  minimum tax
rate. In light of the comments received,  this provision has been amended in the
final regulations to allow certain transferees that compute their taxable income
using the alternative  minimum tax rate to use the alternative  minimum tax rate
applicable to corporations.
    Additionally,  Sec.  1.860E-1(c)(8)(iii) provides that the present values in
the  formula  test  are to be  computed  using  a  discount  rate  equal  to the
applicable  Federal  short-term  rate prescribed by section  1274(d).  This is a
change  from  the  proposed   regulation  and  Rev.  Proc.   2001-12.  In  those
publications  the  provision  stated that "present  values are computed  using a
discount rate equal to the applicable Federal rate prescribed in section 1274(d)
compounded  semiannually"  and that "[a] lower  discount rate may be used if the
transferee can demonstrate that it regularly borrows, in the course of its trade
or  business,  substantial  funds at such  lower  rate from an  unrelated  third
party." The IRS and the Treasury  Department  have learned  that,  based on this
provision,  certain taxpayers have been attempting to use unrealistically low or
zero interest rates to satisfy the formula test,  frustrating  the intent of the
test.  Furthermore,  the  Treasury  Department  and the IRS believe  that a rule
allowing  for a rate  other than a rate based on an  objective  index  would add
unnecessary complexity to the safe harbor. As a result, the rule in the proposed
regulations  that  permits a transferee  to use a lower  discount  rate,  if the
transferee can demonstrate that it regularly  borrows  substantial funds at such
lower rate, is not included in the final regulations; and the Federal short-term
rate  has  been  substituted  for  the  applicable  Federal  rate.  To  simplify
taxpayers' computations, the final regulations allow use of any of the published
short-term  rates,  provided  that  the  present  values  are  computed  with  a
corresponding  period  of  compounding.  With the  exception  of the  provisions
relating to transfers to foreign  branches,  these  changes  generally  have the
proposed  applicability  date of February 4, 2000,  but  taxpayers may choose to
apply the interest  rate formula set forth in the proposed  regulation  and Rev.

<PAGE>

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.

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 H-2

                         FORM OF TRANSFEROR CERTIFICATE

                                                  ________________, 200__

Residential Asset Mortgage Products, Inc.
8400 Normandale Lake Boulevard
Suite 250
Minneapolis, Minnesota 55437

JPMorgan Chase Bank
4 New York Plaza, 6th Floor
New York, New York 10004

Attention: Residential Funding Corporation Series 2003-RZ2

               Re:    Mortgage Asset-Backed Pass-Through Certificates,
                      Series 2003-RZ2, 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  2003-RZ2,  Class  R-__  (the
"Certificates"), pursuant to Section 5.02 of the Pooling and Servicing Agreement
(the  "Pooling  and  Servicing  Agreement"),  dated as of March  1,  2003  among
Residential   Asset  Mortgage   Products,   Inc.,  as  seller  (the  "Company"),
Residential Funding Corporation, as master servicer (the "Master Servicer"), and
JPMorgan Chase Bank, 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 H-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.
<PAGE>

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 I

                     FORM OF INVESTOR REPRESENTATION LETTER

                                                         ___________, 20__
Residential Asset Mortgage Products, Inc.
8400 Normandale Lake Boulevard
Suite 250
Minneapolis, Minnesota 55437

JPMorgan Chase Bank
4 New York Plaza, 6th Floor
New York, New York 10004

Residential Funding Corporation
8400 Normandale Lake Boulevard
Suite 250
Minneapolis, Minnesota 55437

Attention: Residential Funding Corporation Series 2003-RZ2

               Re:    Mortgage Asset-Backed Pass-Through Certificates,
                      Series 2003-RZ2, Class SB

Ladies and Gentlemen:

        ____________________________________   (the   "Purchaser")   intends  to
purchase from (the "Seller")  $___________ Initial Certificate Principal Balance
of Mortgage Asset-Backed  Pass-Through  Certificates,  Series 2003-RZ2, Class SB
(the  "Certificates"),  issued  pursuant to the Pooling and Servicing  Agreement
(the  "Pooling  and  Servicing  Agreement"),  dated as of March  1,  2003  among
Residential   Asset  Mortgage   Products,   Inc.,  as  seller  (the  "Company"),
Residential Funding Corporation, as master servicer (the "Master Servicer"), and
JPMorgan Chase Bank, as trustee (the  "Trustee").  All terms used herein and not
otherwise defined shall have the meanings set forth in the Pooling and Servicing
Agreement.  The  Purchaser  hereby  certifies,  represents  and warrants to, and
covenants with, the Company, the Trustee and the Master Servicer that:

1. The Purchaser  understands that (a) the  Certificates  have not been and will
not be registered or qualified under the Securities Act of 1933, as amended (the
"Act") or any state  securities  law,  (b) the  Company  is not  required  to so
register or qualify the Certificates, (c) the Certificates may be resold only if
registered  and  qualified  pursuant to the  provisions  of the Act or any state
securities law, or if an exemption from such  registration and  qualification is
available,  (d)  the  Pooling  and  Servicing  Agreement  contains  restrictions
regarding the transfer of the Certificates and (e) the Certificates  will bear a
legend to the foregoing effect.
<PAGE>

2.  The  Purchaser  is  acquiring  the  Certificates  for  its own  account  for
investment  only  and not  with a view to or for  sale in  connection  with  any
distribution  thereof in any manner that would violate the Act or any applicable
state securities laws.

3. The  Purchaser is (a) a  substantial,  sophisticated  institutional  investor
having such knowledge and experience in financial and business matters,  and, in
particular,  in such matters related to securities  similar to the Certificates,
such that it is capable of evaluating  the merits and risks of investment in the
Certificates,  (b) able to bear the economic risks of such an investment and (c)
an "accredited  investor" within the meaning of Rule 501(a) promulgated pursuant
to the Act.

4. The Purchaser has been  furnished  with, and has had an opportunity to review
(a) [a copy of the Private Placement Memorandum,  dated ________________,  20__,
relating to the Certificates (b)] a copy of the Pooling and Servicing  Agreement
and [b] [c] such other  information  concerning the  Certificates,  the Mortgage
Loans and the Company as has been requested by the Purchaser from the Company or
the  Seller  and is  relevant  to  the  Purchaser's  decision  to  purchase  the
Certificates.  The  Purchaser  has had any  questions  arising  from such review
answered by the Company or the Seller to the satisfaction of the Purchaser.  [If
the  Purchaser did not purchase the  Certificates  from the Seller in connection
with the initial  distribution of the  Certificates and was provided with a copy
of the Private Placement Memorandum (the "Memorandum")  relating to the original
sale (the "Original  Sale") of the  Certificates  by the Company,  the Purchaser
acknowledges  that such  Memorandum  was provided to it by the Seller,  that the
Memorandum  was prepared by the Company  solely for use in  connection  with the
Original  Sale and the Company did not  participate  in or facilitate in any way
the  purchase of the  Certificates  by the  Purchaser  from the Seller,  and the
Purchaser  agrees  that it will look solely to the Seller and not to the Company
with  respect  to any  damage,  liability,  claim  or  expense  arising  out of,
resulting from or in connection with (a) error or omission,  or alleged error or
omission,  contained in the Memorandum,  or (b) any information,  development or
event arising after the date of the Memorandum.]

5. The Purchaser has not and will not nor has it authorized or will it authorize
any person to (a) offer,  pledge,  sell,  dispose of or  otherwise  transfer any
Certificate,  any interest in any  Certificate or any other similar  security to
any person in any  manner,  (b)  solicit any offer to buy or to accept a pledge,
disposition  of  other  transfer  of  any  Certificate,   any  interest  in  any
Certificate  or any other similar  security  from any person in any manner,  (c)
otherwise approach or negotiate with respect to any Certificate, any interest in
any Certificate or any other similar security with any person in any manner, (d)
make any general  solicitation  by means of general  advertising or in any other
manner or (e) take any other  action,  that (as to any of (a) through (e) above)
would  constitute a distribution  of any  Certificate  under the Act, that would
render the disposition of any Certificate a violation of Section 5 of the Act or
any state  securities law, or that would require  registration or  qualification
pursuant thereto.  The Purchaser will not sell or otherwise  transfer any of the
Certificates,  except in  compliance  with the  provisions  of the  Pooling  and
Servicing Agreement.

6. The Purchaser  hereby  certifies,  represents  and warrants to, and covenants
with the  Company,  the  Trustee  and the  Master  Servicer  that the  following
statements in (a) or (b) are correct:
<PAGE>

(a) The  Purchaser  is not an  employee  benefit  or other  plan  subject to the
prohibited transaction provisions of the Employee Retirement Income Security Act
of 1974, as amended  ("ERISA"),  or Section 4975 of the Internal Revenue Code of
1986,  as amended (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 within the meaning of the Department of Labor ("DOL")  regulation at 29
C.F.R. ss.2510.3-101; or

(b) The Purchaser has provided the Trustee,  the Company and the Master Servicer
with an opinion of counsel acceptable to and in form and substance  satisfactory
to the  Trustee,  the  Company  and the Master  Servicer  to the effect that the
purchase  of  Certificates  is  permissible   under  applicable  law,  will  not
constitute or result in any  non-exempt  prohibited  transaction  under ERISA or
Section  4975 of the Code and will not subject the  Trustee,  the Company or the
Master  Servicer  to any  obligation  or  liability  (including  obligations  or
liabilities  under  ERISA or  Section  4975 of the  Code) in  addition  to those
undertaken in the Pooling and Servicing Agreement.

        In addition, the Purchaser hereby certifies, represents and warrants to,
and covenants  with, the Company,  the Trustee and the Master  Servicer that the
Purchaser  will not  transfer  such  Certificates  to any Plan or person  unless
either such Plan or person meets the requirements set forth in either (a) or (b)
above.

                              Very truly yours,

                              ---------------------------------------
                                  (Purchaser)

                              By: ____________________________________
                              Name: __________________________________
                              Title: ___________________________________

<PAGE>

<PAGE>

                                    EXHIBIT J

                    FORM OF TRANSFEROR REPRESENTATION LETTER

                                                        ___________, 20__

Residential Asset Mortgage Products, Inc.
8400 Normandale Lake Boulevard
Suite 250
Minneapolis, Minnesota 55437

JPMorgan Chase Bank
4 New York Plaza, 6th Floor
New York, New York 10004

Attention: Residential Funding Corporation Series 2003-RZ2

               Re:    Mortgage Asset-Backed Pass-Through Certificates,
                      Series 2003-RZ2, [Class SB]

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 2003-RZ2,
Class SB (the  "Certificates"),  issued  pursuant to the  Pooling and  Servicing
Agreement  (the  "Pooling and Servicing  Agreement"),  dated as of March 1, 2003
among  Residential  Asset Mortgage  Products,  Inc., as seller (the  "Company"),
Residential Funding Corporation, as master servicer, and JPMorgan Chase Bank, 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

<PAGE>

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 K

                         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  Pooling  and  Servicing
Agreement  dated as of March 1,  2003 (the "P&S  Agreement")  among  Residential
Asset Mortgage Products,  Inc. (the "Company"),  Residential Funding Corporation
(the "Master Servicer") and JPMorgan Chase Bank (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 this 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  for
inclusion in these reports 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 my  knowledge  and the annual
compliance review required under the P&S Agreement,  and, except as disclosed in
the reports,  the Master  Servicer has fulfilled its  obligations  under the P&S
Agreement; and

        5. The reports  disclose all  significant  deficiencies  relating to the
Master Servicer's compliance with the minimum servicing standards based upon the
report provided by an independent public  accountant,  after conducting a review
in compliance with the Uniform Single  Attestation  Program for Mortgage Bankers
as set forth in the P&S Agreement, that is included in these reports.

        In giving the  certifications  above,  I have  reasonably  relied on the
information provided to me by the following unaffiliated parties: [the Trustee]

Date:_______________________

____________________________*
Name:
Title:

          *    to be signed by the  senior  officer  in charge of the  servicing
               functions of the Master Servicer

<PAGE>

                                    EXHIBIT L

                   [FORM OF BACK-UP CERTIFICATION TO FORM 10-K CERTIFICATE]

        The  undersigned,  a  Responsible  Officer of  JPMorgan  Chase Bank (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 March 1, 2003 (the  "Agreement") by and among  Residential
Asset Mortgage Products, Inc., 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 list of  Certificateholders  as shown on
the Certificate Register as of the end of each calendar year that is provided by
the  Trustee  pursuant  to 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>

                                    EXHIBIT M

                 FORM OF LENDER CERTIFICATION FOR ASSIGNMENT OF MORTGAGE LOAN

                                                          ___________, 20__

Residential Asset Mortgage Products, Inc.
8400 Normandale Lake Boulevard
Suite 250
Minneapolis, Minnesota 55437

JPMorgan Chase Bank
4 New York Plaza, 6th Floor
New York, New York 10004

Attention: Residential Funding Corporation Series 2003-RZ2

               Re:    Mortgage Asset-Backed Pass-Through Certificates,
                      Series 2003-RZ2 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
March 1, 2003 among  Residential Asset Mortgage  Products,  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

<PAGE>

        (iv) such assignment is at the request of the borrower under the related
Mortgage Loan.

                             Very truly yours,

                             ---------------------------------------
                                 (Lender)

                             By: ____________________________________
                             Name: __________________________________
                             Title: ___________________________________

<PAGE>

                                    EXHIBIT N

                   FORM OF RULE 144A INVESTMENT REPRESENTATION

               Description of Rule 144A Securities, including numbers:

               _________[Class SB] [Class R-__]_________________
                        --------------------  -
               ==============================================
               ----------------------------------------------

               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  March  1,  2003  among
Residential Funding  Corporation as Master Servicer,  Residential Asset Mortgage
Products,  Inc. as  depositor  pursuant  to Section  5.02 of the  Agreement  and
JPMorgan Chase Bank, as trustee, as follows:

                      a. The Buyer  understands  that the Rule  144A  Securities
        have not been  registered  under the 1933 Act or the securities  laws of
        any state.

                      b. The Buyer considers itself a substantial, sophisticated
        institutional investor having such knowledge and experience in financial
        and  business  matters that it is capable of  evaluating  the merits and
        risks of investment in the Rule 144A Securities.

                      c. The  Buyer  has  been  furnished  with all  information
        regarding  the  Rule  144A  Securities  that it has  requested  from the
        Seller, the Trustee or the Servicer.

                      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

<PAGE>

        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 hereby  certifies,  represents  and warrants to, and
covenants  with the  Company,  the  Trustee  and the  Master  Servicer  that the
following statements in (a) or (b) are correct:

                      a. The  Buyer 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 (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
        within the meaning of the  Department of Labor ("DOL")  regulation at 29
        C.F.R. ss.2510.3-101; or

                      b. The Buyer has provided the Trustee, the Company and the
        Master Servicer with an opinion of counsel acceptable to and in form and
        substance  satisfactory  to the  Trustee,  the  Company  and the  Master
        Servicer to the effect that the purchase of  Certificates is permissible
        under  applicable  law, will not  constitute or result in any non-exempt
        prohibited  transaction under ERISA or Section 4975 of the Code and will
        not  subject  the  Trustee,  the  Company or the Master  Servicer to any
        obligation or liability  (including  obligations  or  liabilities  under
        ERISA or Section  4975 of the Code) in addition to those  undertaken  in
        the Pooling and Servicing Agreement.

               In addition, the Buyer hereby certifies,  represents and warrants
to, and covenants  with, the Company,  the Trustee and the Master  Servicer that
the Buyer  will not  transfer  such  Certificates  to any Plan or person  unless
either such Plan or person meets the requirements set forth in either (a) or (b)
above.
<PAGE>

               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 Buyer _________________
Print Name of Seller __________
By: ___________________________          By: ________________________________
     Name:                                    Name:
     Title:                                   Title:
Taxpayer Identification:                 Taxpayer Identification:
No.____________________________          No._______________________________
Date:__________________________          Date:_____________________________

<PAGE>

                              ANNEX 1 TO EXHIBIT N

            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.

____    Corporations,  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.

___     ___    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

<PAGE>

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 N

            QUALIFIED INSTITUTIONAL BUYER STATUS UNDER SEC RULE 144A

                    [For Buyers That Are Registered Investment Companies]

               The  undersigned  hereby  certifies as follows in connection with
the Rule 144A Investment Representation to which this Certification is attached:

               1. As indicated  below,  the undersigned is the President,  Chief
Financial  Officer or Senior Vice  President  of the Buyer or, if the Buyer is a
"qualified  institutional  buyer" as that term is defined in Rule 144A under the
Securities  Act of 1933  ("Rule  144A")  because  Buyer is part of a  Family  of
Investment Companies (as defined below), is such an officer of the Adviser.

               2.  In  connection  with  purchases  by  Buyer,  the  Buyer  is a
"qualified  institutional  buyer" as  defined in SEC Rule 144A  because  (i) the
Buyer is an investment  company  registered under the Investment  Company Act of
1940,  and (ii) as marked  below,  the Buyer  alone,  or the  Buyer's  Family of
Investment Companies,  owned at least $100,000,000 in securities (other than the
excluded  securities referred to below) as of the end of the Buyer's most recent
fiscal year. For purposes of determining  the amount of securities  owned by the
Buyer or the Buyer's Family of Investment Companies, the cost of such securities
was used.

____    The Buyer owned  $_____________________  in  securities  (other than the
        excluded securities referred to below) as of the end of the Buyer's most
        recent fiscal year (such amount being calculated in accordance with Rule
        144A).

____    The Buyer is part of a Family of Investment Companies which owned in the
        aggregate   $_____________   in  securities  (other  than  the  excluded
        securities  referred to below) as of the end of the Buyer's  most recent
        fiscal year (such amount being calculated in accordance with Rule 144A).

               3. The term "Family of Investment Companies" as used herein means
two or more  registered  investment  companies (or series thereof) that have the
same investment adviser or investment advisers that are affiliated (by virtue of
being majority owned  subsidiaries  of the same parent or because one investment
adviser is a majority owned subsidiary of the other).

               4. The term  "securities"  as used  herein  does not  include (i)
securities  of  issuers  that are  affiliated  with the Buyer or are part of the
Buyer's Family of Investment Companies, (ii) bank deposit notes and certificates
of  deposit,  (iii)  loan  participations,   (iv)  repurchase  agreements,   (v)
securities  owned but  subject  to a  repurchase  agreement  and (vi)  currency,
interest rate and commodity swaps.

               5. The Buyer is familiar with Rule 144A and understands that each
of the parties to which this certification is made are relying and will continue
to rely on the  statements  made  herein  because one or more sales to the Buyer
will be in reliance on Rule 144A. In addition,  the Buyer will only purchase for
the Buyer's own account.

               6. The undersigned  will notify each of the parties to which this

<PAGE>

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

                                            By: ______________________________
                                                Name:
                                                Title:

                                                Date: ________________________

<PAGE>

                                    EXHIBIT O

                       FORM OF ERISA REPRESENTATION LETTER

                                               ___________, 20__

Residential Asset Mortgage Products, Inc.
8400 Normandale Lake Boulevard
Suite 250
Minneapolis, Minnesota 55437

JPMorgan Chase Bank
4 New York Plaza, 6th Floor
New York, New York 10004

Residential Funding Corporation
8400 Normandale Lake Boulevard
Suite 250
Minneapolis, Minnesota 55437

Attention: Residential Funding Corporation Series 2003-RZ2

Re:     Mortgage Asset-Backed Pass-Through Certificates,
        Series 2003-RZ2, [Class SB]

Ladies and Gentlemen:

        [____________________________________]   (the  "Purchaser")  intends  to
purchase from  [______________________________]  (the "Seller")  $[____________]
Initial  Certificate  Principal  Balance of Mortgage  Asset-Backed  Pass-Through
Certificates, Series 2003-RZ2, Class ____ (the "Certificates"),  issued pursuant
to the Pooling and Servicing Agreement (the "Pooling and Servicing  Agreement"),
dated as of March 1, 2003 among  Residential Asset Mortgage  Products,  Inc., as
the  company  (the  "Depositor"),  Residential  Funding  Corporation,  as master
servicer  (the  "Master  Servicer")  and  JPMorgan  Chase Bank,  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 Depositor,  the
Trustee and the Master Servicer that:

               (a) The  Purchaser  is not an  employee  benefit  or  other  plan
        subject  to  the  prohibited  transaction  provisions  of  the  Employee
        Retirement Income Security Act of 1974, as amended ("ERISA"), or Section
        4975 of the Internal  Revenue  Code of 1986,  as amended (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
        within the meaning of the  Department of Labor ("DOL")  regulation at 29
        C.F.R. ss.2510.3-101; or

               (b) The Purchaser has provided the Trustee, the Depositor and the
        Master Servicer with an opinion of counsel acceptable to and in form and
        substance  satisfactory  to the Trustee,  the  Depositor  and the Master

<PAGE>

        Servicer to the effect that the purchase of  Certificates is permissible
        under  applicable  law, will not  constitute or result in any non-exempt
        prohibited  transaction under ERISA or Section 4975 of the Code and will
        not subject the Trustee,  the  Depositor  or the Master  Servicer to any
        obligation or liability  (including  obligations  or  liabilities  under
        ERISA or Section  4975 of the Code) in addition to those  undertaken  in
        the Pooling and Servicing Agreement.

        In addition, the Purchaser hereby certifies, represents and warrants to,
and covenants with, the Depositor,  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 (a) or (b) above.

                                            Very truly yours,

                                            ----------------------------------
                                   (Purchaser)

                                            By: ______________________________
                                            Name: ____________________________
                                            Title: ___________________________

<PAGE>

                                    EXHIBIT P

                       FORM OF ERISA REPRESENTATION LETTER

                                                                 [date]

Residential Asset Mortgage Products, Inc.
8400 Normandale Lake Boulevard
Suite 250
Minneapolis, Minnesota 55437

JPMorgan Chase Bank
4 New York Plaza, 6th Floor
New York, New York 10004

Residential Funding Corporation
8400 Normandale Lake Boulevard
Suite 250
Minneapolis, Minnesota 55437

Attention: Residential Funding Corporation Series 2003-RZ2

               Re:    Residential Asset Mortgage Products, Inc.
                      Mortgage Asset-Backed Pass-Through Certificates,
                      Series 2003-RZ2, [Class M-__]

Ladies and Gentlemen:

        [____________________________________]   (the  "Purchaser")  intends  to
purchase from  [______________________________]  (the "Seller")  $[____________]
Initial  Certificate  Principal Balance of Mortgage  Asset-Backed  Pass-Through,
Series  2003-RZ2  (the  "Certificates"),  issued  pursuant  to the  Pooling  and
Servicing Agreement (the "Pooling and Servicing  Agreement"),  dated as of March
1, 2003,  among  Residential  Asset Mortgage  Products,  Inc., as depositor (the
"Depositor"),  Residential Funding Corporation,  as master servicer (the "Master
Servicer"),  and JPMorgan Chase Bank, 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 Depositor, the Trustee and the Master Servicer that, either:

               (a) The  Purchaser  is not an  employee  benefit  or  other  plan
        subject  to  the  prohibited  transaction  provisions  of  the  Employee
        Retirement Income Security Act of 1974, as amended ("ERISA"), or Section
        4975 of the Internal  Revenue  Code of 1986,  as amended (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
        within the meaning of the  Department of Labor ("DOL")  regulation at 29
        C.F.R. ss.2510.3-101; or
<PAGE>

               (b) The Purchaser is an insurance company, the source of funds to
        be used by which to purchase the  certificates is an "insurance  company
        general account",  as the term is defined in DOL Prohibited  Transaction
        Class Exemption  95-60, and the conditions in Sections I and III of PTCE
        95-60 have been satisfied.

        In addition, the Purchaser hereby certifies, represents and warrants to,
and covenants  with,  the Seller,  the Trustee and the Master  Servicer that the
Purchaser will not transfer such Certificates to any ERISA plan or person unless
that ERISA plan or person meets the requirements in either (a) or (b) above.

                                            Very truly yours,

                                            By: _______________________________
                                            Name: _____________________________
                                            Title: ____________________________

<PAGE>

                                    EXHIBIT Q

                      CERTIFICATE GUARANTY INSURANCE POLICY

<PAGE>

                                    EXHIBIT R

INFORMATION  TO BE  PROVIDED  BY THE  MASTER  SERVICER  TO THE  RATING  AGENCIES
RELATING TO REPORTABLE MODIFIED MORTGAGE LOANS

Account number

Transaction Identifier
Unpaid Principal  Balance prior to Modification  Next Due Date Monthly Principal
and Interest  Payment Total Servicing  Advances  Current  Interest Rate Original
Maturity  Date  Original Term to Maturity  (Months)  Remaining  Term to Maturity
(Months)  Trial  Modification  Indicator  Mortgagor  Equity  Contribution  Total
Servicer Advances Trial Modification Term (Months) Trial Modification Start Date
Trial  Modification  End Date Trial  Modification  Period Principal and Interest
Payment Trial Modification  Interest Rate Trial Modification Term Rate Reduction
Indicator  Interest  Rate  Post  Modification  Rate  Reduction  Start  Date Rate
Reduction End Date Rate Reduction Term

Term Modified Indicator
Modified Amortization Period
Modified Final Maturity Date
Total Advances Written Off
Unpaid Principal Balance Written Off
Other Past Due Amounts Written Off
Write Off Date
Unpaid Principal Balance Post Write Off
Capitalization Indicator
Mortgagor Contribution
Total Capitalized Amount
Modification Close Date
Unpaid Principal Balance  Post Capitalization Modification
Next Payment Due Date per Modification Plan
Principal and Interest Payment Post Modification

Interest Rate Post Modification
Payment Made Post Capitalization
Delinquency Status to Modification Plan

<PAGE>
                                 EXECUTION COPY

                   RESIDENTIAL ASSET MORTGAGE PRODUCTS, INC.,

                                   Depositor,

                        RESIDENTIAL FUNDING CORPORATION,

                                Master Servicer,

                                       and

                               JPMORGAN CHASE BANK

                                     Trustee

                         POOLING AND SERVICING AGREEMENT

                            Dated as of March 1, 2003

                 Mortgage Asset-Backed Pass-Through Certificates

                                 Series 2003-RZ2

<PAGE>
<TABLE>
<CAPTION>

                                TABLE OF CONTENTS

                                                                                            PAGE

ARTICLE I               DEFINITIONS.........................................................7

<S>             <C>                                                                        <C>
        Section 1.01    Definitions.........................................................7
                        Accrued Certificate Interest........................................7
                        Adjusted Mortgage Rate..............................................7
                        Advance.............................................................8
                        Affiliate...........................................................8
                        Agreement...........................................................8
                        Amount Held for Future Distribution.................................8
                        Appraised Value.....................................................8
                        Assignment..........................................................8
                        Assignment Agreement................................................8
                        Available Distribution Amount.......................................8
                        Balloon Loan........................................................9
                        Balloon Payment.....................................................9
                        Bankruptcy Code.....................................................9
                        Book-Entry Certificate..............................................9
                        Business Day........................................................9
                        Calendar Quarter....................................................9
                        Capitalization Reimbursement Amount.................................9
                        Cash Liquidation....................................................9
                        Certificate.........................................................9
                        Certificate Account................................................10
                        Certificate Account Deposit Date...................................10
                        Certificateholder or Holder........................................10
                        Certificate Insurer Premium........................................10
                        Certificate Insurer Premium Modified Rate..........................10
                        Certificate Insurer Premium Rate...................................10
                        Certificate Owner..................................................10
                        Certificate Principal Balance......................................10
                        Certificate Register and Certificate Registrar.....................11
                        Class..............................................................11
                        Class A Certificates...............................................11
                        Class A-1 Certificate..............................................11
                        Class A-IO Certificate.............................................11
                        Class A Interest Distribution Amount...............................11
                        Class A Principal Distribution Amount..............................11
                        Class M Certificates...............................................12
                        Class M-1 Certificate..............................................12
                        Class M-1 Interest Distribution Amount.............................12
                        Class M-1 Principal Distribution Amount............................12
                        Class M-2 Certificate..............................................12
                        Class M-2 Interest Distribution Amount.............................12
                        Class M-2 Principal Distribution Amount............................13
                        Class M-3 Certificate..............................................13
                        Class M-3 Interest Distribution Amount.............................13
                        Class M-3 Principal Distribution Amount............................13
                        Class R Certificate................................................13

<PAGE>

                        Class R-I Certificate..............................................14
                        Class R-II Certificate.............................................14
                        Class R-III Certificate............................................14
                        Class SB Certificate...............................................14
                        Closing Date.......................................................14
                        Code...............................................................14
                        Commission.........................................................14
                        Compensating Interest..............................................14
                        Corporate Trust Office.............................................14
                        Cumulative Insurance Payments......................................14
                        Curtailment........................................................15
                        Custodial Account..................................................15
                        Custodial Agreement................................................15
                        Custodian..........................................................15
                        Cut-off Date.......................................................15
                        Cut-off Date Balance...............................................15
                        Cut-off Date Principal Balance.....................................15
                        Debt Service Reduction.............................................15
                        Deficiency Amount..................................................15
                        Deficient Valuation................................................15
                        Definitive Certificate.............................................16
                        Deleted Mortgage Loan..............................................16
                        Delinquency Ratio..................................................16
                        Delinquent.........................................................16
                        Depository.........................................................16
                        Depository Participant.............................................16
                        Derivative Contracts...............................................16
                        Derivative Counterparty............................................16
                        Destroyed Mortgage Note............................................16
                        Determination Date.................................................17
                        Disqualified Organization..........................................17
                        Distribution Date..................................................17
                        Due Date...........................................................17
                        Due Period.........................................................17
                        Eligible Account...................................................17
                        ERISA..............................................................18
                        Event of Default...................................................18
                        Excess Cash Flow...................................................18
                        Excess Fraud Loss..................................................18
                        Excess Loss........................................................18
                        Excess Overcollateralization Amount................................18
                        Excess Special Hazard Loss.........................................18
                        Exchange Act.......................................................18
                        Exchange Date......................................................18

<PAGE>

                        Extraordinary Events...............................................18
                        Extraordinary Losses...............................................19
                        Fannie Mae.........................................................19
                        FASIT..............................................................19
                        FDIC...............................................................19
                        Final Distribution Date............................................19
                        Final Scheduled Distribution Date..................................19
                        Foreclosure Profits................................................19
                        Form 10-K Certification............................................20
                        Fraud Loss Amount..................................................20
                        Fraud Losses.......................................................20
                        Freddie Mac........................................................20
                        HomeComings........................................................20
                        Independent........................................................21
                        Initial Certificate Principal Balance..............................21
                        Insurance Agreement................................................21
                        Insurance Proceeds.................................................21
                        Insured Payment....................................................21
                        Insurer............................................................21
                        Insurer Account....................................................21
                        Insurer Default....................................................21
                        Interest Accrual Period............................................21
                        Interest Distribution Amount.......................................22
                        Interim Certification..............................................22
                        Late Collections...................................................22
                        Late Payment Rate..................................................22
                        Limited Repurchase Right Holder....................................22
                        Liquidation Proceeds...............................................22
                        Loan-to-Value Ratio................................................22
                        Marker Rate........................................................22
                        Maturity Date......................................................22
                        MERS...............................................................22
                        MERS(R)System......................................................22
                        MIN................................................................22
                        Modified Mortgage Loan.............................................22
                        Modified Net Mortgage Rate.........................................23
                        MOM Loan...........................................................23
                        Monthly Payment....................................................23
                        Moody's............................................................23
                        Mortgage...........................................................23
                        Mortgage File......................................................23
                        Mortgage Loan Schedule.............................................23
                        Mortgage Loans.....................................................24
                        Mortgage Note......................................................24
                        Mortgage Rate......................................................24
                        Mortgaged Property.................................................24

<PAGE>

                        Mortgagor..........................................................24
                        Net Mortgage Rate..................................................24
                        Net WAC Cap Shortfall..............................................24
                        Net WAC Cap Shortfall Carry-Forward Amount.........................24
                        Net WAC Rate.......................................................25
                        Non-Primary Residence Loans........................................25
                        Non-United States Person...........................................25
                        Nonrecoverable Advance.............................................25
                        Nonsubserviced Mortgage Loan.......................................25
                        Notice.............................................................25
                        Notional Amount....................................................25
                        Officers' Certificate..............................................26
                        Opinion of Counsel.................................................26
                        Optional Termination Date..........................................26
                        Outstanding Mortgage Loan..........................................27
                        Overcollateralization Amount.......................................27
                        Overcollateralization Floor........................................27
                        Overcollateralization Increase Amount..............................27
                        Overcollateralization Reduction Amount.............................27
                        Ownership Interest.................................................27
                        Pass-Through Rate..................................................27
                        Paying Agent.......................................................28
                        Percentage Interest................................................28
                        Permitted Investments..............................................29
                        Permitted Transferee...............................................30
                        Person.............................................................30
                        Policy.............................................................30
                        Prepayment Assumption..............................................30
                        Prepayment Interest Shortfall......................................30
                        Prepayment Period..................................................31
                        Primary Insurance Policy...........................................31
                        Principal Distribution Amount......................................31
                        Principal Prepayment...............................................32
                        Principal Prepayment in Full.......................................32
                        Principal Remittance Amount........................................32
                        Program Guide......................................................32
                        Purchase Price.....................................................32
                        Qualified Substitute Mortgage Loan.................................32
                        Rating Agency......................................................33
                        Realized Loss......................................................33
                        Record Date........................................................34
                        Regular Certificates...............................................34
                        Regular Interest...................................................34
                        Relief Act.........................................................34
                        Relief Act Shortfalls..............................................34
                        REMIC..............................................................34

<PAGE>

                        REMIC Administrator................................................34
                        REMIC I............................................................35
                        REMIC I Realized Losses............................................35
                        REMIC I Regular Interests..........................................35
                        REMIC I Regular Interest LTA.......................................35
                        REMIC I Regular Interest LTB1......................................35
                        REMIC I Regular Interest LTB2......................................36
                        REMIC I Regular Interest LTB3......................................36
                        REMIC I Regular Interest LTB4......................................36
                        REMIC I Regular Interest LTB5......................................36
                        REMIC I Regular Interest LTB6......................................36
                        REMIC I Regular Interest LTB7......................................36
                        REMIC I Regular Interest LTB8......................................36
                        REMIC I Regular Interest LTB9......................................36
                        REMIC I Regular Interest LTB10.....................................37
                        REMIC I Regular Interest LTB11.....................................37
                        REMIC I Regular Interest LTB12.....................................37
                        REMIC I Regular Interest LTB13.....................................37
                        REMIC I Regular Interest LTB14.....................................37
                        REMIC I Regular Interest LTB15.....................................37
                        REMIC I Regular Interest LTB16.....................................37
                        REMIC I Regular Interest LTB17.....................................37
                        REMIC I Regular Interest LTB18.....................................38
                        REMIC I Regular Interest LTB19.....................................38
                        REMIC I Regular Interest LTB20.....................................38
                        REMIC I Regular Interest LTB21.....................................38
                        REMIC I Regular Interest LTB22.....................................38
                        REMIC I Regular Interest LTB23.....................................38
                        REMIC I Regular Interest LTB24.....................................38
                        REMIC I Regular Interest LTB25.....................................38
                        REMIC I Regular Interest LTB26.....................................39
                        REMIC I Regular Interest LTB27.....................................39
                        REMIC I Regular Interest LTB28.....................................39
                        REMIC I Regular Interest LTB29.....................................39
                        REMIC I Regular Interest LTB30.....................................39
                        REMIC I Regular Interests LTB......................................39
                        REMIC II...........................................................39
                        REMIC II Principal Reduction Amounts...............................40
                        REMIC II Realized Losses...........................................42
                        REMIC II Regular Interest LTA-IO1..................................42
                        REMIC II Regular Interest LTA-IO2..................................42
                        REMIC II Regular Interest LTA-IO3..................................42
                        REMIC II Regular Interest LTA-IO4..................................43
                        REMIC II Regular Interest LTA-IO5..................................43
                        REMIC II Regular Interest LTA-IO6..................................43
                        REMIC II Regular Interest LTA-IO7..................................43

<PAGE>

                        REMIC II Regular Interest LTA-IO8..................................43
                        REMIC II Regular Interest LTA-IO9..................................43
                        REMIC II Regular Interest LTA-IO10.................................43
                        REMIC II Regular Interest LTA-IO11.................................43
                        REMIC II Regular Interest LTA-IO12.................................44
                        REMIC II Regular Interest LTA-IO13.................................44
                        REMIC II Regular Interest LTA-IO14.................................44
                        REMIC II Regular Interest LTA-IO15.................................44
                        REMIC II Regular Interest LTA-IO16.................................44
                        REMIC II Regular Interest LTA-IO17.................................44
                        REMIC II Regular Interest LTA-IO18.................................44
                        REMIC II Regular Interest LTA-IO19.................................44
                        REMIC II Regular Interest LTA-IO20.................................45
                        REMIC II Regular Interest LTA-IO21.................................45
                        REMIC II Regular Interest LTA-IO22.................................45
                        REMIC II Regular Interest LTA-IO23.................................45
                        REMIC II Regular Interest LTA-IO24.................................45
                        REMIC II Regular Interest LTA-IO25.................................45
                        REMIC II Regular Interest LTA-IO26.................................45
                        REMIC II Regular Interest LTA-IO27.................................45
                        REMIC II Regular Interest LTA-IO28.................................46
                        REMIC II Regular Interest LTA-IO29.................................46
                        REMIC II Regular Interest LTA-IO30.................................46
                        REMIC II Regular Interest LT1......................................46
                        REMIC II Regular Interest LT1 Principal Distribution Amount........46
                        REMIC II Regular Interest LT2......................................46
                        REMIC II Regular Interest LT2 Principal Distribution Amount........46
                        REMIC II Regular Interest LT3......................................46
                        REMIC II Regular Interest LT3 Principal Distribution Amount........46
                        REMIC II Regular Interest LT4......................................47
                        REMIC II Regular Interest LT4 Principal Distribution Amount........47
                        REMIC II Regular Interests.........................................47
                        REMIC II Regular Interests LTA-IO..................................47
                        REMIC III..........................................................47
                        REMIC III Regular Interest SB-PO...................................47
                        REMIC III Regular Interest SB-IO...................................47
                        REMIC III Regular Interests........................................48
                        REMIC Provisions...................................................48
                        REO Acquisition....................................................48
                        REO Disposition....................................................48
                        REO Imputed Interest...............................................48
                        REO Proceeds.......................................................48
                        REO Property.......................................................48
                        Reportable Modified Mortgage Loan..................................48
                        Repurchase Event...................................................48
                        Request for Release................................................48

<PAGE>

                        Required Insurance Policy..........................................49
                        Required Overcollateralization Amount..............................49
                        Residential Funding................................................49
                        Responsible Officer................................................49
                        Rolling Six-Month Delinquency Ratio................................49
                        Rule 144A..........................................................49
                        Seller.............................................................49
                        Seller's Agreement.................................................49
                        Servicing Accounts.................................................49
                        Servicing Advances.................................................49
                        Servicing Fee......................................................49
                        Servicing Fee Rate.................................................50
                        Servicing Modification.............................................50
                        Servicing Officer..................................................50
                        Servicing Trigger..................................................50
                        Sixty-Plus Delinquency Percentage..................................50
                        Special Hazard Amount..............................................50
                        Special Hazard Loss................................................51
                        Special Hazard Percentage..........................................51
                        Standard & Poor's..................................................51
                        Startup Date.......................................................51
                        Stated Principal Balance...........................................51
                        Stepdown Date......................................................52
                        Subordination......................................................52
                        Subsequent Recoveries..............................................52
                        Subserviced Mortgage Loan..........................................52
                        Subservicer........................................................52
                        Subservicer Advance................................................52
                        Subservicing Account...............................................52
                        Subservicing Agreement.............................................52
                        Subservicing Fee...................................................53
                        Tax Returns........................................................53
                        Telerate Screen Page 3750..........................................53
                        Transfer...........................................................53
                        Transfer Affidavit and Agreement...................................53
                        Transferee.........................................................53
                        Transferor.........................................................53
                        Trigger Event......................................................53
                        Trust Fund.........................................................54
                        Uncertificated Accrued Interest....................................54
                        Uncertificated Notional Amount.....................................54
                        Uncertificated Pass-Through Rate...................................54
                        Uncertificated Principal Balance...................................54
                        Uncertificated Regular Interests...................................55
                        Uncertificated REMIC I Pass-Through Rate...........................55
                        Uncertificated REMIC II Pass-Through Rate..........................55

<PAGE>

                        Uniform Single Attestation Program for Mortgage Bankers............55
                        Uninsured Cause....................................................55
                        United States Person...............................................55
                        Voting Rights......................................................55
                        Weighted Average Net Mortgage Rate.................................56

ARTICLE II              CONVEYANCE OF MORTGAGE LOANS; ORIGINAL ISSUANCE OF CERTIFICATES....57

        Section 2.01    Conveyance of Mortgage Loans.......................................57
        Section 2.02    Acceptance by Trustee..............................................60
        Section 2.03    Representations, Warranties and Covenants of the Master
                        Servicer and the Depositor.........................................62
        Section 2.04    Representations and Warranties of Residential Funding..............64
        Section 2.05    Execution and Authentication of Certificates; Conveyance of
                        Uncertificated REMIC Regular Interests.............................66
        Section 2.06    Purposes and Powers of the Trust...................................67

ARTICLE III             ADMINISTRATION AND SERVICING OF MORTGAGE LOANS.....................68

        Section 3.01    Master Servicer to Act as Servicer.................................68
        Section 3.02    Subservicing Agreements Between Master Servicer and
                        Subservicers; Enforcement of Subservicers' Obligations;
                        Special Servicing..................................................69
        Section 3.03    Successor Subservicers.............................................70
        Section 3.04    Liability of the Master Servicer...................................71
        Section 3.05    No Contractual Relationship Between Subservicer and Trustee or
                        Certificateholders.................................................71
        Section 3.06    Assumption or Termination of Subservicing Agreements by Trustee....71
        Section 3.07    Collection of Certain Mortgage Loan Payments; Deposits to
                        Custodial Account..................................................72
        Section 3.08    Subservicing Accounts; Servicing Accounts..........................74
        Section 3.09    Access to Certain Documentation and Information Regarding the
                        Mortgage Loans.....................................................76
        Section 3.10    Permitted Withdrawals from the Custodial Account...................76
        Section 3.11    Maintenance of Primary Insurance Coverage..........................78
        Section 3.12    Maintenance of Fire Insurance and Omissions and Fidelity
                        Coverage...........................................................78
        Section 3.13    Enforcement of Due-on-Sale Clauses; Assumption and
                        Modification Agreements; Certain Assignments.......................80
        Section 3.14    Realization Upon Defaulted Mortgage Loans..........................82
        Section 3.15    Trustee to Cooperate; Release of Mortgage Files....................84
        Section 3.16    Servicing and Other Compensation; Compensating Interest............86
        Section 3.17    Reports to the Trustee and the Depositor...........................87
        Section 3.18    Annual Statement as to Compliance..................................87

<PAGE>

        Section 3.19    Annual Independent Public Accountants' Servicing Report............87
        Section 3.20    Right of the Depositor in Respect of the Master Servicer...........88

ARTICLE IV              PAYMENTS TO CERTIFICATEHOLDERS.....................................89

        Section 4.01    Certificate Account................................................89
        Section 4.02    Distributions......................................................89
        Section 4.03    Statements to Certificateholders; Statements to Rating
                        Agencies; Exchange Act Reports.....................................94
        Section 4.04    Distribution of Reports to the Trustee and the Depositor;
                        Advances by the Master Servicer....................................98
        Section 4.05    Allocation of Realized Losses......................................99
        Section 4.06    Reports of Foreclosures and Abandonment of Mortgaged Property.....101
        Section 4.07    Optional Purchase of Defaulted Mortgage Loans.....................101
        Section 4.08    Limited Mortgage Loan Repurchase Right............................101
        Section 4.09    Distributions on the REMIC I Regular Interests and REMIC II
                        Regular Interests.................................................102
        Section 4.10    The Policy........................................................102
        Section 4.11    Derivative Contracts..............................................103

ARTICLE V               THE CERTIFICATES..................................................104

        Section 5.01    The Certificates..................................................104
        Section 5.02    Registration of Transfer and Exchange of Certificates.............105
        Section 5.03    Mutilated, Destroyed, Lost or Stolen Certificates.................111
        Section 5.04    Persons Deemed Owners.............................................111
        Section 5.05    Appointment of Paying Agent.......................................111

ARTICLE VI              THE DEPOSITOR AND THE MASTER SERVICER.............................112

        Section 6.01    Respective Liabilities of the Depositor and the Master Servicer...112
        Section 6.02    Merger or Consolidation of the Depositor or the Master
                        Servicer; Assignment of Rights and Delegation of Duties by
                        Master Servicer...................................................112
        Section 6.03    Limitation on Liability of the Depositor, the Master Servicer
                        and Others........................................................113
        Section 6.04    Depositor and Master Servicer Not to Resign.......................114

ARTICLE VII             DEFAULT...........................................................115

        Section 7.01    Events of Default.................................................115
        Section 7.02    Trustee or Depositor to Act; Appointment of Successor.............117
        Section 7.03    Notification to Certificateholders................................118
        Section 7.04    Waiver of Events of Default.......................................118
        Section 7.05    Servicing Trigger; Removal of Master Servicer.....................119

ARTICLE VIII            CONCERNING THE TRUSTEE............................................120

<PAGE>

        Section 8.01    Duties of Trustee.................................................120
        Section 8.02    Certain Matters Affecting the Trustee.............................121
        Section 8.03    Trustee Not Liable for Certificates or Mortgage Loans.............123
        Section 8.04    Trustee May Own Certificates......................................123
        Section 8.05    Master Servicer to Pay Trustee's Fees and Expenses;
                        Indemnification...................................................123
        Section 8.06    Eligibility Requirements for Trustee..............................124
        Section 8.07    Resignation and Removal of the Trustee............................124
        Section 8.08    Successor Trustee.................................................126
        Section 8.09    Merger or Consolidation of Trustee................................126
        Section 8.10    Appointment of Co-Trustee or Separate Trustee.....................126
        Section 8.11    Appointment of Custodians.........................................127
        Section 8.12    Appointment of Office or Agency...................................128

ARTICLE IX              TERMINATION.......................................................129

        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.................................129
        Section 9.02    Additional Termination Requirements...............................133

ARTICLE X               REMIC PROVISIONS..................................................134

        Section 10.01   REMIC Administration..............................................134
        Section 10.02   Master Servicer, REMIC Administrator and Trustee
                        Indemnification...................................................137

ARTICLE XI              MISCELLANEOUS PROVISIONS..........................................139

        Section 11.01   Amendment.........................................................139
        Section 11.02   Recordation of Agreement; Counterparts............................141
        Section 11.03   Limitation on Rights of Certificateholders........................142
        Section 11.04   Governing Law.....................................................142
        Section 11.05   Notices...........................................................143
        Section 11.06   Notices to Rating Agencies and the Insurer........................143
        Section 11.07   Severability of Provisions........................................144
        Section 11.08   Supplemental Provisions for Resecuritization......................144
        Section 11.09   Third-Party Beneficiary...........................................145
        Section 11.10   Rights of the Insurer.............................................145

<PAGE>

                                    EXHIBITS

Exhibit A             Form of Class A-[__] Certificate
Exhibit B             Form of Class M-[__] Certificate
Exhibit C             Form of Class SB Certificate
Exhibit D             Form of Class R-[__] Certificate
Exhibit E             Form of Custodial Agreement
Exhibit F             Mortgage Loan Schedule
Exhibit G             Form of Request for Release
Exhibit H-1           Form of Transfer Affidavit and Agreement
Exhibit H-2           Form of Transferor Certificate
Exhibit I             Form of Investor Representation Letter
Exhibit J             Form of Transferor Representation Letter
Exhibit K             Form of Form 10-K Certification
Exhibit L             Form of Back-Up Certification to Form 10-K Certification
Exhibit M             Form of Lender Certification for Assignment of Mortgage Loan
Exhibit N             Form of Rule 144A Investment Representation
Exhibit O             Form of ERISA Representation Letter for Class SB Certificates
Exhibit P             Form of ERISA Representation Letter for Class M Certificates
Exhibit Q             Policy
Exhibit R             Information  to be  Provided  by  the  Master  Servicer  to  the  Rating
                      Agencies Relating to Reportable Modified Mortgage Loans
</TABLE>

<PAGE>

        This  Pooling and  Servicing  Agreement,  effective as of March 1, 2003,
among RESIDENTIAL ASSET MORTGAGE PRODUCTS, INC., as the depositor (together with
its permitted  successors and assigns,  the  "Depositor"),  RESIDENTIAL  FUNDING
CORPORATION,  as master  servicer  (together  with its permitted  successors and
assigns,  the "Master  Servicer"),  and JPMORGAN  CHASE BANK, a New York banking
corporation, as trustee (together with its permitted successors and assigns, the
"Trustee").

                             PRELIMINARY STATEMENT:

        The  Depositor  intends  to  sell  mortgage  asset-backed   pass-through
certificates (collectively, the "Certificates"),  to be issued hereunder in nine
classes,  which in the aggregate will evidence the entire  beneficial  ownership
interest in a trust fund (the "Trust Fund") consisting primarily of the Mortgage
Loans (as defined herein).

                                     REMIC I

        As provided  herein,  the REMIC  Administrator  will make an election to
treat the segregated pool of assets consisting of the Mortgage Loans and certain
other  related  assets  subject  to this  Agreement  as a real  estate  mortgage
investment  conduit  (a  "REMIC")  for  federal  income tax  purposes,  and such
segregated  pool of  assets  will be  designated  as  "REMIC  I." The  Class R-I
Certificates  will  represent the sole class of "residual  interests" in REMIC I
for purposes of the REMIC  Provisions  (as defined  herein) under federal income
tax law. The following table irrevocably sets forth the designation,  remittance
rate (the "Uncertificated REMIC I Pass-Through Rate") and initial Uncertificated
Principal  Balance for each of the "regular  interests" in REMIC I (the "REMIC I
Regular Interests").  The "latest possible maturity date" (determined solely for
purposes of satisfying Treasury regulation Section 1.860G-1(a)(4)(iii)) for each
REMIC I Regular Interest shall be the Maturity Date. None of the REMIC I Regular
Interests will be certificated.
<TABLE>
<CAPTION>

    Designation      Uncertificated REMIC I    Initial Uncertificated      Latest Possible
                        Pass-Through Rate        Principal Balance          Maturity Date
<S>                                <C>                     <C>                    <C> <C>
        LTA                Variable(1)                     $198,000,023     April 25, 2033
        LTB1               Variable(1)                       $8,000,000     April 25, 2033
        LTB2               Variable(1)                       $7,000,000     April 25, 2033
        LTB3               Variable(1)                       $6,000,000     April 25, 2033
        LTB4               Variable(1)                       $6,000,000     April 25, 2033
        LTB5               Variable(1)                       $6,000,000     April 25, 2033
        LTB6               Variable(1)                       $5,000,000     April 25, 2033
        LTB7               Variable(1)                       $5,000,000     April 25, 2033
        LTB8               Variable(1)                       $5,000,000     April 25, 2033

                                       1
<PAGE>

        LTB9               Variable(1)                       $4,000,000     April 25, 2033
       LTB10               Variable(1)                       $5,000,000     April 25, 2033
       LTB11               Variable(1)                       $4,000,000     April 25, 2033
       LTB12               Variable(1)                       $4,000,000     April 25, 2033
       LTB13               Variable(1)                       $3,000,000     April 25, 2033
       LTB14               Variable(1)                       $3,000,000     April 25, 2033
       LTB15               Variable(1)                       $4,000,000     April 25, 2033
       LTB16               Variable(1)                       $3,000,000     April 25, 2033
       LTB17               Variable(1)                       $2,000,000     April 25, 2033
       LTB18               Variable(1)                       $3,000,000     April 25, 2033
       LTB19               Variable(1)                       $3,000,000     April 25, 2033
       LTB20               Variable(1)                       $2,000,000     April 25, 2033
       LTB21               Variable(1)                       $2,000,000     April 25, 2033
       LTB22               Variable(1)                       $2,000,000     April 25, 2033
       LTB23               Variable(1)                       $2,000,000     April 25, 2033
       LTB24               Variable(1)                       $2,000,000     April 25, 2033
       LTB25               Variable(1)                       $2,000,000     April 25, 2033
       LTB26               Variable(1)                       $2,000,000     April 25, 2033
       LTB27               Variable(1)                       $1,000,000     April 25, 2033
       LTB28               Variable(1)                       $2,000,000     April 25, 2033
       LTB29               Variable(1)                       $1,000,000     April 25, 2033
       LTB30               Variable(1)                      $23,000,000     April 25, 2033
</TABLE>

___________

(1)  Calculated  as  provided  in  the  definition  of  Uncertificated  REMIC  I
     Pass-Through Rate.

                                    REMIC II

        As provided  herein,  the REMIC  Administrator  will make an election to
treat the segregated pool of assets  consisting of the REMIC I Regular Interests
and certain  other  related  assets  subject to this  Agreement as a real estate
mortgage  investment  conduit (a "REMIC") for federal  income tax purposes,  and
such  segregated pool of assets will be designated as "REMIC II." The Class R-II
Certificates  will represent the sole class of "residual  interests" in REMIC II
for purposes of the REMIC  Provisions  (as defined  herein) under federal income
tax law. The following table irrevocably sets forth the designation,  remittance
rate  (the   "Uncertificated   REMIC  II   Pass-Through   Rate")   and   initial
Uncertificated Principal Balance for each of the "regular interests" in REMIC II
(the  "REMIC  II  Regular  Interests").  The  "latest  possible  maturity  date"

                                       2
<PAGE>

(determined  solely for  purposes  of  satisfying  Treasury  regulation  Section
1.860G-1(a)(4)(iii))  for each REMIC II Regular  Interest  shall be the Maturity
Date. None of the REMIC II Regular Interests will be certificated.
<TABLE>
<CAPTION>

    Designation      Uncertificated REMIC II   Initial Uncertificated           Latest
                        Pass-Through Rate        Principal Balance      Possible
                                                                        Maturity Date
<S>       <C>                      <C>                 <C>                        <C> <C>
        LT1                Variable(1)                 $ 324,947,600.44     April 25, 2033
        LT2                Variable(1)                      $ 12,577.44     April 25, 2033
        LT3                Variable(1)                      $ 19,922.56     April 25, 2033
        LT4                Variable(1)                      $ 19,922.56     April 25, 2033
      LTA-IO1              Variable(2)                        $  N/A(3)     April 25, 2003
      LTA-IO2              Variable(2)                        $  N/A(3)      May 25, 2003
      LTA-IO3              Variable(2)                        $  N/A(3)     June 25, 2003
      LTA-IO4              Variable(2)                        $  N/A(3)     July 25, 2003
      LTA-IO5              Variable(2)                        $  N/A(3)    August 25, 2003
      LTA-IO6              Variable(2)                        $  N/A(3)   September 25, 2003
      LTA-IO7              Variable(2)                        $  N/A(3)    October 25, 2003
      LTA-IO8              Variable(2)                        $  N/A(3)   November 25, 2003
      LTA-IO9              Variable(2)                        $  N/A(3)   December 25, 2003
      LTA-IO10             Variable(2)                        $  N/A(3)    January 25, 2004
      LTA-IO11             Variable(2)                        $  N/A(3)   February 25, 2004
      LTA-IO12             Variable(2)                        $  N/A(3)     March 25, 2004
      LTA-IO13             Variable(2)                        $  N/A(3)     April 25, 2004
      LTA-IO14             Variable(2)                        $  N/A(3)      May 25, 2004
      LTA-IO15             Variable(2)                        $  N/A(3)     June 25, 2004
      LTA-IO16             Variable(2)                        $  N/A(3)     July 25, 2004
      LTA-IO17             Variable(2)                        $  N/A(3)    August 25, 2004
      LTA-IO18             Variable(2)                        $  N/A(3)   September 25, 2004
      LTA-IO19             Variable(2)                        $  N/A(3)    October 25, 2004
      LTA-IO20             Variable(2)                        $  N/A(3)   November 25, 2004
      LTA-IO21             Variable(2)                        $  N/A(3)   December 25, 2004
      LTA-IO22             Variable(2)                        $  N/A(3)    January 25, 2005
      LTA-IO23             Variable(2)                        $  N/A(3)   February 25, 2005
      LTA-IO24             Variable(2)                        $  N/A(3)     March 25, 2005
      LTA-IO25             Variable(2)                        $  N/A(3)     April 25, 2005
      LTA-IO26             Variable(2)                        $  N/A(3)      May 25, 2005

                                       3
<PAGE>

      LTA-IO27             Variable(2)                        $  N/A(3)     June 25, 2005
      LTA-IO28             Variable(2)                        $  N/A(3)     July 25, 2005
      LTA-IO29             Variable(2)                        $  N/A(3)    August 25, 2005
      LTA-IO30             Variable(2)                        $  N/A(3)   September 25, 2005
</TABLE>

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

(1)  Calculated  as  provided  in the  definition  of  Uncertificated  REMIC  II
     Pass-Through Rate. (2) Until the Latest Possible Maturity Date set forth in
     the last column of this table,  a per annum rate equal to 5.75%,  and 0.00%
     thereafter.

(3)  REMIC II Regular Interests LTA-IO will not have an Uncertificated Principal
     Balance,  but will accrue  interest on its  Uncertificated  Notional Amount
     outstanding  from  time  to  time  which  shall  equal  the  Uncertificated
     Principal  Balance of REMIC I Regular  Interest LTB with the same numerical
     designation  (the "Related REMIC I Regular  Interest LTB") for Distribution
     Dates on or before  the  Latest  Possible  Maturity  Date for such REMIC II
     Regular Interest LTA-IO, and thereafter shall be $0.00.

                                       4
<PAGE>

                                    REMIC III

        As  provided  herein,  the REMIC  Administrator  will elect to treat the
segregated  pool of assets  consisting  of the REMIC II Regular  Interests  as a
REMIC for federal income tax purposes,  and such  segregated pool of assets will
be designated as REMIC III. The Class R-III Certificates will represent the sole
class of "residual  interests" in REMIC III for purposes of the REMIC Provisions
under federal  income tax law. The following  table  irrevocably  sets forth the
designation, Pass-Through Rate, aggregate Initial Certificate Principal Balance,
certain features, Final Scheduled Distribution Date and initial ratings for each
Class of Certificates  comprising the interests representing "regular interests"
in REMIC  III.  The  "latest  possible  maturity  date"  (determined  solely for
purposes of satisfying Treasury Regulation Section 1.860G-1(a)(4)(iii)) for each
Class of REMIC III Regular Certificates shall be the Maturity Date.

<TABLE>
<CAPTION>

                                      AGGREGATE
                       PASS-THROUGH    INITIAL
DESIGNATION    TYPE        RATE      CERTIFICATE                FINAL
                                      PRINCIPAL                 SCHEDULED
                                       BALANCE                  DISTRIBUTION                     INITIAL
                                                                DATE                             RATINGS
                                                                                FEATURES       S&P   MOODY'S
<S>      <C>            <C>             <C>    <C>                  <C>                                   <C>
 Class A-1    Senior    3.60%(1)(2)     $287,624,000.00         April 25, 2033     Senior       AAA     Aaa
Class A-IO    Senior       5.75%(3)     $          0.00(4)      September 25,  Senior/Interest  AAA     Aaa
                                                                        2005           Only
 Class M-1  Mezzanine   4.74%(1)(2)     $ 14,625,000.00         April 25, 2033    Mezzanine     AA      Aa2
 Class M-2  Mezzanine   5.19%(1)(2)     $ 13,813,000.00         April 25, 2033    Mezzanine      A      A2
 Class M-3  Mezzanine   5.50%(1)(2)     $  8,938,000.00         April 25, 2033    Mezzanine     BBB    Baa2
 Class SB   Subordinate Adjustable(4)   $         22.61         April 25, 2033   Subordinate    N/R     N/R

 Class R-I   Residual           N/A            N/A              April 25, 2033    Residual      N/R     N/R
Class R-II   Residual           N/A            N/A              April 25, 2033    Residual      N/R     N/R
Class R-III  Residual           N/A            N/A              April 25, 2033    Residual      N/R     N/R
</TABLE>

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

(1)  Subject to a cap as  described in the  definition  of  "Pass-Through  Rate"
     herein.
(2)  Starting  on the  second  Distribution  Date  after the first
     possible  Optional  Termination Date, the Pass-Through Rate indicated above
     will increase by a per annum rate equal to 0.50%.

(3)  The Class A-IO Certificates will only be entitled to interest for the first
     30 Distribution  Dates. The Class A-IO Certificates will accrue interest on
     a  Notional  Amount  equal to the  lesser of (a) an amount set forth in the
     definition of "Notional Amount" for the related  Distribution Date; and (b)
     the aggregate  Stated  Principal  Balance of the Mortgage  Loans,  prior to
     giving  effect to scheduled  payments of  principal  during the related Due
     Period, to the extent received or advanced, and unscheduled  collections of
     principal received during the prior calendar month.

(4)  The  Class  SB  Certificates  will  accrue  interest  as  described  in the
     definition of Accrued Certificate Interest.  The Class SB Certificates will
     not accrue interest on their Certificate Principal Balance.

        The Mortgage  Loans have an aggregate  Cut-off  Date  Principal  Balance
equal to approximately $325,000,022.61. The Mortgage Loans are fixed-rate, fully
amortizing,  first  lien or  balloon  payment  mortgage  loans  having  terms to
maturity at origination of not more than 30 years.

                                       5
<PAGE>

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

                                       6
<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.

        Accrued Certificate Interest: With respect to each Distribution Date and
the Class A Certificates  and Class M Certificates,  interest accrued during the
related  Interest  Accrual  Period  at  the  related  Pass-Through  Rate  on the
Certificate Principal Balance thereof, or Notional Amount thereof in the case of
the Class A-IO Certificates,  immediately prior to such Distribution Date (or in
the case of the first  Distribution  Date,  the  Cut-off  Date),  reduced by the
amount of:

(i) the interest  portions  (adjusted to the Net Mortgage  Rate (or the Modified
Net Mortgage Rate in the case of a Modified  Mortgage Loan)) of Excess Losses on
the  Mortgage  Loans  to  the  extent  allocated  to the  Class  A and  Class  M
Certificates, and

(ii) the interest portion of Advances previously made with respect to a Mortgage
Loan or REO Property which remained unreimbursed  following the Cash Liquidation
or REO  Disposition  of such  Mortgage  Loan or REO Property that were made with
respect to delinquencies that were ultimately determined to be Excess Losses,

with all such reductions  allocated to the Class A and Class M Certificates on a
pro rata basis in  accordance  with the amount of Accrued  Certificate  Interest
that would have resulted absent such  reductions.  In addition to the foregoing,
the  amount  of  Accrued  Certificate  Interest  on  the  Class  A and  Class  M
Certificates  shall  be  reduced  by  the  amount  of  (a)  Prepayment  Interest
Shortfalls on the Mortgage Loans during the prior  calendar  month  allocated to
that Class of Certificates pursuant to Section 4.02(e) to the extent not covered
by  Compensating  Interest  pursuant to Section 3.16  allocated to that Class of
Certificates,  and by Relief Act  Shortfalls  on the  Mortgage  Loans during the
related Due Period;  and (b) the interest  portion of Realized Losses  allocated
through Subordination as described in Section 4.05.

        With respect to each  Distribution  Date and the Class SB  Certificates,
interest accrued during the preceding calendar month at the related Pass-Through
Rate on the Notional Amount as specified in the definition of Pass-Through Rate,
immediately  prior  to  such  Distribution  Date in each  case,  reduced  by any
interest  shortfalls  with respect to the Mortgage  Loans other than  Prepayment
Interest Shortfalls.  In addition,  Accrued Certificate Interest with respect to
each Distribution Date, as to the Class SB Certificates,  shall be reduced by an
amount  equal to the  interest  portion  of  Realized  Losses  allocated  to the
Overcollateralization   Amount   pursuant  to  Section  4.05   hereof.   Accrued
Certificate  Interest  on the Class A, Class M and Class SB  Certificates  shall
accrue on the basis of a 360-day year consisting of twelve 30-day months.

        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.

                                       7
<PAGE>

        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.

     Agreement:  This Pooling and Servicing  Agreement and all amendments hereof
and supplements hereto.

        Amount Held for Future  Distribution:  As to any Distribution  Date, 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, Principal Prepayments,  Mortgage Loan
purchases made pursuant to Section 2.02,  2.03,  2.04, 4.07 or 4.08 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,
Subsequent  Recoveries,  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 (ii) payments which represent early receipt
of  scheduled  payments  of  principal  and  interest  due  on a date  or  dates
subsequent to the Due Date in the related Due Period.

        Appraised Value: As to any Mortgaged Property, one of the following: (i)
the lesser of (a) the appraised value of such Mortgaged  Property based upon the
appraisal or appraisals (or field review) made at the time of the origination of
the related Mortgage Loan, and (b) the sales price of the Mortgaged  Property at
such time of origination, or (ii) in the case of a Mortgaged Property securing a
refinanced or modified  Mortgage Loan, one of (1) the appraised value based upon
the appraisal  made at the time of  origination of the loan which was refinanced
or modified, (2) the appraised value determined in an appraisal made at the time
of refinancing or modification or (3) the sales price of the Mortgaged Property.

        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  Depositor  relating to the
transfer and assignment of the Mortgage Loans.

        Available  Distribution  Amount: As to any Distribution  Date, an amount
equal to (a) the sum of (i) the amount relating to the Mortgage Loans on deposit
in the  Custodial  Account  as of  the  close  of  business  on the  immediately
preceding  Determination Date, 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

                                       8
<PAGE>

immediately  preceding  Certificate  Account  Deposit  Date with  respect to the
Mortgage Loans,  (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) in  respect of the  Mortgage  Loans,  (iv) any amount  that the
Master Servicer is not permitted to withdraw from the Custodial Account pursuant
to Section 3.16(e) in respect of the Mortgage Loans and (v) any amount deposited
in the Certificate  Account pursuant to Section 4.07, 4.08 or 9.01 in respect of
the  Mortgage  Loans,  reduced by (b) the sum as of the close of business on the
immediately  preceding  Determination  Date of (x) the  Amount  Held for  Future
Distribution  with respect to the Mortgage  Loans,  (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) and
(z) the Certificate Insurer Premium paid to the Insurer.

        Balloon  Loan:  Each of the Mortgage  Loans  having an original  term to
maturity that is shorter than the related amortization term.

        Balloon  Payment:  With respect to any Balloon Loan, the related Monthly
Payment payable on the stated maturity date of such Balloon Loan.

        Bankruptcy Code: The Bankruptcy Code of 1978, as amended.
        ---------------

        Book-Entry  Certificate:  Any Certificate  registered in the name of the
Depository or its nominee.

        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
California,  the State of Texas, the State of Minnesota 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.

        Calendar  Quarter:  A  Calendar  Quarter  shall  consist  of  one of the
following  time periods in any given year:  January 1 through  March 31, April 1
through June 30, July 1 through September 30, and October 1 through December 31.

        Capitalization  Reimbursement  Amount: As to any Distribution  Date, the
amount of  unreimbursed  Advances or Servicing  Advances  that were added to the
Stated  Principal  Balance of the Mortgage  Loans during the preceding  calendar
month and reimbursed to the Master  Servicer or Subservicer  pursuant to Section
3.10(a)(vii) on or prior to such Distribution Date.

        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:  Any  Class A  Certificate,  Class  M  Certificate,  Class  SB
Certificate or Class R Certificate.

                                       9
<PAGE>

        Certificate  Account:  The  account or accounts  created and  maintained
pursuant  to Section  4.01,  which shall be entitled  "JPMorgan  Chase Bank,  as
trustee,  in trust for the  registered  holders of  Residential  Asset  Mortgage
Products,  Inc.,  Mortgage  Asset-Backed   Pass-Through   Certificates,   Series
2003-RZ2"   and  which   account   shall  be  held  for  the   benefit   of  the
Certificateholders and the Insurer and which must be an Eligible Account.

        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,  except that  neither a  Disqualified
Organization  nor a  Non-United  States  Person  shall be a holder  of a Class R
Certificate for any purpose hereof. 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 Depositor, 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.  Unless
otherwise indicated in this Agreement, the Custodial Agreement or the Assignment
Agreement,  whenever  reference  is made to the actions  taken by the Trustee on
behalf of the  Certificateholders,  such reference  shall include the Insurer as
long as no Insurer Default has occurred and is continuing.

        Certificate Insurer Premium:  The premium payable to the Insurer on each
Distribution  Date in an  amount  equal to  one-twelfth  of the  product  of the
Certificate Insurer Premium Rate and the aggregate Certificate Principal Balance
of the Class A-1 Certificates immediately prior to such Distribution Date.

        Certificate  Insurer Premium  Modified Rate: With respect to any date of
determination,  the  Certificate  Insurer Premium Rate times a fraction equal to
(x) the aggregate Certificate Principal Balance of the Class A-1 Certificates as
of such date over (y) the  aggregate  Stated  Principal  Balance of the Mortgage
Loans as of such date.

        Certificate Insurer Premium Rate: With respect to any Distribution Date,
the Premium Percentage set forth in the Insurance Agreement.

        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 any Class A Certificate
(other than a Class A-IO  Certificate)  or Class M  Certificate,  on any date of
determination, an amount equal to:

                                       10
<PAGE>

        (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(f), minus

        (iii)  the  sum  of  (x)  the   aggregate  of  all  amounts   previously
               distributed  with respect to such Certificate (or any predecessor
               Certificate),   including,   with   respect   to  the  Class  A-1
               Certificates, amounts paid pursuant to the Policy, and applied to
               reduce  the  Certificate  Principal  Balance  or  amount  thereof
               pursuant  to  Section  4.02(c)  and  (y)  the  aggregate  of  all
               reductions in Certificate  Principal Balance of such Certificates
               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,  other than any Insured
               Payment  in  respect  of such  amount  that has been  paid by the
               Insurer and is included in clause (x) above.

        With respect to each Class SB Certificate, on any date of determination,
an amount equal to the Percentage  Interest  evidenced by such Certificate times
an  amount  equal  to the  excess,  if any,  of (A) the  then  aggregate  Stated
Principal Balance of the Mortgage Loans over (B) the then aggregate  Certificate
Principal Balance of the Class A and Class M Certificates then outstanding.  The
Class  A-IO and  Class R  Certificates  will not  have a  Certificate  Principal
Balance.

        Certificate Register and Certificate Registrar:  The register maintained
and the registrar appointed pursuant to Section 5.02.

     Class:  Collectively,  all of the Certificates or uncertificated  interests
bearing the same designation.

     Class A Certificates:  Any one of the Class A-1  Certificates or Class A-IO
Certificates.

        Class A-1 Certificate: Any one of the Class A-1 Certificates executed by
the Trustee and authenticated by the Certificate Registrar  substantially in the
form  annexed  hereto as Exhibit A,  senior to the Class M, Class SB and Class R
Certificates with respect to distributions and the allocation of Realized Losses
in respect of the Mortgage Loans as set forth in Section 4.05, and evidencing an
interest  designated  as a "regular  interest"  in REMIC III for purposes of the
REMIC Provisions.

        Class A-IO Certificate:  Any one of the Class A-IO Certificates executed
by the Trustee and authenticated by the Certificate  Registrar  substantially in
the form annexed  hereto as Exhibit A, senior to the Class M, Class SB and Class
R  Certificates  with respect to  distributions  and the  allocation of Realized
Losses in  respect  of the  Mortgage  Loans as set forth in  Section  4.05,  and
evidencing  an  interest  designated  as a "regular  interest"  in REMIC III for
purposes of the REMIC Provisions.

        Class A Interest Distribution Amount: As defined in Section 4.02(c)(i).

        Class A Principal  Distribution Amount: With respect to any Distribution
Date on or after the Stepdown  Date if a Trigger Event is not in effect for that
Distribution Date, the lesser of:

                                       11
<PAGE>

        (i)    the Principal Distribution Amount for that Distribution Date; and

        (ii)   the excess of (A) the aggregate  Certificate Principal Balance of
               the Class A Certificates  immediately  prior to that Distribution
               Date over (B) the lesser of (x) the product of (1) 76.00% and (2)
               the  aggregate  Stated  Principal  Balance of the Mortgage  Loans
               after  giving  effect  to   distributions  to  be  made  on  that
               Distribution  Date and (y) the aggregate Stated Principal Balance
               of the Mortgage Loans after giving effect to  distributions to be
               made on that Distribution Date, less $1,625,000.11.

        Class M  Certificates:  Any one of the Class M-1, Class M-2 or Class M-3
Certificates.

        Class M-1 Certificate: Any one of the Class M-1 Certificates executed by
the Trustee and authenticated by the Certificate Registrar  substantially in the
form annexed  hereto as Exhibit B, senior to the Class M-2,  Class M-3 and Class
SB  Certificates  with respect to  distributions  and the allocation of Realized
Losses in  respect  of the  Mortgage  Loans as set forth in  Section  4.05,  and
evidencing  an  interest  designated  as a "regular  interest"  in REMIC III for
purposes of the REMIC Provisions.

     Class M-1 Interest Distribution Amount: As defined in Section 4.02(c)(ii).

        Class  M-1   Principal   Distribution   Amount:   With  respect  to  any
Distribution  Date on or after the  Stepdown  Date if a Trigger  Event is not in
effect for that Distribution Date, the lesser of:

     (i)  the remaining Principal Distribution Amount for that Distribution Date
          after distribution of the Class A Principal Distribution Amount; and

     (ii) the excess of (A) the sum of (1) the aggregate  Certificate  Principal
          Balance of the Class A  Certificates  (after  taking into  account the
          payment  of  the  Class  A  Principal  Distribution  Amount  for  that
          Distribution  Date) and (2) the Certificate  Principal  Balance of the
          Class M-1 Certificates  immediately  prior to that  Distribution  Date
          over (B) the  lesser  of (x) the  product  of (1)  85.00%  and (2) the
          aggregate Stated Principal  Balance of the Mortgage Loans after giving
          effect to distributions to be made on that  Distribution  Date and (y)
          the aggregate  Stated  Principal  Balance of the Mortgage  Loans after
          giving effect to distributions to be made on that  Distribution  Date,
          less $1,625,000.11.

        Class M-2 Certificate: Any one of the Class M-2 Certificates executed by
the Trustee and authenticated by the Certificate Registrar  substantially in the
form  annexed  hereto  as  Exhibit  B,  senior  to the  Class  M-3 and  Class SB
Certificates with respect to distributions and the allocation of Realized Losses
in respect of the Mortgage Loans as set forth in Section 4.05, and evidencing an
interest  designated  as a "regular  interest"  in REMIC III for purposes of the
REMIC Provisions.

     Class M-2 Interest Distribution Amount: As defined in Section 4.02(c)(iii).

                                       12
<PAGE>

        Class  M-2   Principal   Distribution   Amount:   With  respect  to  any
Distribution  Date on or after the  Stepdown  Date if a Trigger  Event is not in
effect for that Distribution Date, the lesser of:

     (i)  the remaining Principal Distribution Amount for that Distribution Date
          after  distribution of the Class A Principal  Distribution  Amount and
          the Class M-1 Principal Distribution Amount; and

     (ii) the excess of (A) the sum of (1) the aggregate  Certificate  Principal
          Balance of the Class A and Class M-1  Certificates  (after taking into
          account the payment of the Class A Principal  Distribution  Amount and
          Class M-1 Principal  Distribution  Amount for that Distribution  Date)
          and  (2)  the   Certificate   Principal   Balance  of  the  Class  M-2
          Certificates  immediately prior to that Distribution Date over (B) the
          lesser of (x) the product of (1) 93.50% and (2) the  aggregate  Stated
          Principal  Balance  of the  Mortgage  Loans  after  giving  effect  to
          distributions  to be  made  on  that  Distribution  Date  and  (y) the
          aggregate Stated Principal  Balance of the Mortgage Loans after giving
          effect to  distributions  to be made on that  Distribution  Date, less
          $1,625,000.11.

        Class M-3 Certificate: Any one of the Class M-3 Certificates executed by
the Trustee and authenticated by the Certificate Registrar  substantially in the
form  annexed  hereto as Exhibit  B,  senior to the Class SB  Certificates  with
respect to distributions and the allocation of Realized Losses in respect of the
Mortgage  Loans  as set  forth in  Section  4.05,  and  evidencing  an  interest
designated  as a  "regular  interest"  in REMIC  III for  purposes  of the REMIC
Provisions.

     Class M-3 Interest Distribution Amount: As defined in Section 4.02(c)(iv).

        Class  M-3   Principal   Distribution   Amount:   With  respect  to  any
Distribution  Date on or after the  Stepdown  Date if a Trigger  Event is not in
effect for that Distribution Date, the lesser of:

     (i)  the remaining Principal Distribution Amount for that Distribution Date
          after distribution of the Class A Principal  Distribution  Amount, the
          Class M-1  Principal  Distribution  Amount and the Class M-2 Principal
          Distribution Amount; and

     (ii) the excess of (A) the sum of (1) the aggregate  Certificate  Principal
          Balance  of the Class A, Class M-1 and Class M-2  Certificates  (after
          taking into account the payment of the Class A Principal  Distribution
          Amount,  Class  M-1  Principal   Distribution  Amount  and  Class  M-2
          Principal  Distribution Amount for that Distribution Date) and (2) the
          Certificate   Principal   Balance   of  the  Class  M-3   Certificates
          immediately prior to that Distribution Date over (B) the lesser of (x)
          the  product  of (1)  99.00% and (2) the  aggregate  Stated  Principal
          Balance of the Mortgage Loans after giving effect to  distributions to
          be made on  that  Distribution  Date  and  (y)  the  aggregate  Stated
          Principal  Balance  of the  Mortgage  Loans  after  giving  effect  to
          distributions   to  be   made   on  that   Distribution   Date,   less
          $1,625,000.11.

        Class R Certificate: Any one of the Class R-I, Class R-II or Class R-III
Certificates.

                                       13
<PAGE>

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

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

        Class  R-III  Certificate:  Any  one of  the  Class  R-III  Certificates
executed  by  the  Trustee  and  authenticated  by  the  Certificate   Registrar
substantially in the form annexed hereto as Exhibit D and evidencing an interest
designated  as a  "residual  interest"  in REMIC III for  purposes  of the REMIC
Provisions.

        Class SB Certificate:  Any one of the Class SB Certificates  executed by
the Trustee and authenticated by the Certificate Registrar  substantially in the
form  annexed  hereto  as  Exhibit  C,  subordinate  to the  Class A and Class M
Certificates with respect to distributions and the allocation of Realized Losses
in respect of the Mortgage Loans as set forth in Section 4.05, and evidencing an
interest  designated  as a "regular  interest"  in REMIC III for purposes of the
REMIC Provisions.

        Closing Date: April 2, 2003.

        Code: The Internal Revenue Code of 1986.

        Commission:  The Securities and Exchange Commission.

        Compensating Interest:  With respect to any Distribution Date, an amount
equal to Prepayment Interest Shortfalls resulting from Principal  Prepayments in
Full or Curtailments during the related Prepayment Period, 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 Section 7.02(a).

        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 4 New York Plaza,  6th Floor, New York, New York 10004,
Attention: RAMPI, Series 2003-RZ2.

        Cumulative Insurance Payments: As of any time of determination,  (i) the
aggregate  amount of all Insured  Payments  previously made by the Insurer under
the Policy (other than any payments made by the Insurer  attributable  to Excess
Losses) plus interest  thereon from the date such amounts  became due until paid
in full, at a rate of interest  equal to the Late Payment Rate and in accordance

                                       14
<PAGE>

with  Section  3.03(a)  of the  Insurance  Agreement  minus  (ii) the sum of the
aggregate of all  payments  previously  made to the Insurer  pursuant to Section
4.02 hereof as reimbursement for such amounts.

        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  and for the  Insurer,  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
Depositor, the Master Servicer, the Trustee and a Custodian in substantially the
form of Exhibit E hereto.

     Custodian:  A custodian  appointed  pursuant to a Custodial  Agreement  and
reasonably  acceptable  to the Insurer.  Wells Fargo Bank  Minnesota,  N.A.,  is
acceptable to the Insurer.

        Cut-off Date: March 1, 2003.

        Cut-off Date Balance: $325,000,022.61.

        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 (or due during the month of
the Cut-off Date), 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.

        Deficiency Amount:  With respect to the Class A-1 Certificates as of any
Distribution  Date,  (i) any shortfall in amounts  available in the  Certificate
Account to pay one month's  interest for the related  Interest Accrual Period on
the Certificate  Principal  Balance of the Class A-1 Certificates at the related
Pass-Through  Rate,  net of  any  Relief  Act  Shortfalls,  Prepayment  Interest
Shortfalls and Net WAC Cap Shortfalls  allocated to the Class A-1  Certificates,
(ii) the  principal  portion on each  Distribution  Date of any Realized  Losses
allocated  to the Class A-1  Certificates  and (iii) the  Certificate  Principal
Balance of the Class A-1  Certificates  plus any amount  determined  pursuant to
clause  (i) to the  extent  unpaid  on the  Distribution  Date in April  2033 or
earlier termination of the Trust Fund pursuant to Section 9.01(a) hereof.

        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.

                                       15
<PAGE>

        Definitive Certificate: Any definitive, fully-registered Certificate.

     Deleted  Mortgage  Loan: A Mortgage  Loan replaced or to be replaced with a
Qualified Substitute Mortgage Loan.

        Delinquency   Ratio:   With  respect  to  the  Mortgage  Loans  and  any
Distribution Date, the percentage  equivalent of a fraction (a) the numerator of
which equals the sum of (i) 100% of the aggregate  Stated  Principal  Balance of
all  Mortgage  Loans  that  are 60 or  more  days  Delinquent,  (ii)  75% of the
aggregate Stated Principal Balance of all Mortgage Loans that are in foreclosure
and (iii) 100% of the aggregate Stated  Principal  Balance of all Mortgage Loans
that are  converted  to REO  Properties,  in each case as of the last day of the
related  Due Period and (b) the  denominator  of which is the  aggregate  Stated
Principal Balance of the Mortgage Loans as of the last day of such Due Period.

        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 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 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 May 1 that  remained  unpaid as of the close
of business on June 30 would then be considered to be 30 to 59 days  delinquent.
Delinquency  information as of the Cut-off Date is determined and prepared as of
the close of business on the last business day immediately  prior to the Cut-off
Date.

        Depository:  The Depository Trust Company,  or any successor  Depository
hereafter  named.  The  nominee  of  the  initial  Depository  for  purposes  of
registering those Certificates that are to be Book-Entry  Certificates is Cede &
Co. The Depository shall at all times be a "clearing  corporation" as defined in
Section  8-102(a)(5) of the Uniform Commercial Code of the State of New York and
a "clearing agency" registered  pursuant to the provisions of Section 17A of the
Securities Exchange Act of 1934, as amended.

        Depository  Participant:  A  broker,  dealer,  bank or  other  financial
institution  or other  Person  for whom from time to time a  Depository  effects
book-entry transfers and pledges of securities deposited with the Depository.

        Derivative  Contract:  Any  ISDA  Master  Agreement,  together  with the
related Schedule and Confirmation,  entered into by the Trustee and a Derivative
Counterparty in accordance with Section 4.11.

     Derivative  Counterparty:  Any  counterparty  to a  Derivative  Contract as
provided in Section 4.11.

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

                                       16
<PAGE>

        Determination  Date: With respect to any Distribution Date, the 20th day
(or if such  20th  day is not a  Business  Day,  the  Business  Day  immediately
following such 20th day) of the month of the related Distribution Date.

        Disqualified  Organization:  Any organization defined as a "disqualified
organization" under Section 860E(e)(5) of the Code, including,  if not otherwise
included,  any of the following:  (i) the United States,  any State or political
subdivision  thereof,  any  possession  of the United  States,  or any agency or
instrumentality of any of the foregoing (other than an instrumentality  which is
a  corporation  if all of its  activities  are  subject  to tax and,  except for
Freddie  Mac, a  majority  of its board of  directors  is not  selected  by such
governmental unit), (ii) a foreign government,  any international  organization,
or any agency or instrumentality of any of the foregoing, (iii) any organization
(other than certain farmers' cooperatives  described in Section 521 of the Code)
which is exempt from the tax imposed by Chapter 1 of the Code (including the tax
imposed by Section 511 of the Code on  unrelated  business  taxable  income) and
(iv)  rural   electric   and   telephone   cooperatives   described  in  Section
1381(a)(2)(C)  of the  Code.  A  Disqualified  Organization  also  includes  any
"electing large  partnership,"  as defined in Section 775(a) of the Code and 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  any REMIC or any  Person  having an  Ownership  Interest  in any Class of
Certificates  (other than such Person) to incur a liability  for any federal tax
imposed  under the Code that would not otherwise be imposed but for the Transfer
of an Ownership  Interest in a Class R  Certificate  to such  Person.  The terms
"United  States",  "State"  and  "international  organization"  shall  have  the
meanings set forth in Section 7701 of the Code or successor provisions.

        Distribution  Date:  The 25th day of any  month  beginning  in the month
immediately  following the month of the initial issuance of the Certificates or,
if such 25th day is not a Business Day, the Business Day  immediately  following
such 25th day.

        Due Date: With respect to any  Distribution  Date and any Mortgage Loan,
the day during the related Due Period on which the Monthly Payment is due.

        Due Period: With respect to any Distribution Date, the calendar month of
such Distribution Date.

        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  and the
Insurer  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 JPMorgan Chase

                                       17
<PAGE>

Bank,  or (v) an account or accounts of a depository  institution  acceptable to
the Insurer and 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, without, with
respect to the Class A-1 Certificates, taking the Policy into account).

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

        Event of Default: As defined in Section 7.01.
        ----------------

        Excess Cash Flow: With respect to any Distribution Date, an amount equal
to the sum of (A) the excess of (i) the Available  Distribution  Amount for that
Distribution Date over (ii) the sum of (a) the Interest  Distribution Amount for
that  Distribution  Date  and (b)  the  Principal  Remittance  Amount  for  that
Distribution  Date and (B) the  Overcollateralization  Reduction Amount for that
Distribution Date.

        Excess Fraud Loss: With respect to the Mortgage Loans, any Fraud Loss on
the Mortgage Loans, or portion thereof,  which exceeds the then-applicable Fraud
Loss Amount.

     Excess  Loss:  Any  Excess  Fraud  Loss,  Excess  Special  Hazard  Loss  or
Extraordinary Loss.

        Excess  Overcollateralization  Amount:  With respect to any Distribution
Date,  the  excess,  if any,  of (a) the  Overcollateralization  Amount  on that
Distribution  Date over (b) the  Required  Overcollateralization  Amount on that
Distribution Date.

        Excess  Special  Hazard Loss:  With respect to the Mortgage  Loans,  any
Special Hazard Loss on the Mortgage Loans, or portion thereof,  that exceeds the
then-applicable Special Hazard Amount.

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

        Exchange Date: As defined in Section 5.02(e)(iii).

        Extraordinary  Events: Any of the following conditions with respect to a
Mortgaged  Property 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"; or

                                       18
<PAGE>

        (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 defacto,  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:  Fannie  Mae, a  federally  chartered  and  privately  owned
corporation   organized  and  existing  under  the  Federal  National   Mortgage
Association Charter Act, or any successor thereto.

        FASIT: A "financial asset  securitization  investment  trust" within the
meaning of Section 860L of the Code.

        FDIC: Federal Deposit Insurance Corporation or any successor thereto.
        ----

        Final  Distribution  Date:  The  Distribution  Date on which  the  final
distribution  in respect of the  Certificates  will be made  pursuant to Section
9.01, which Final  Distribution  Date shall in no event be later than the end of
the 90-day liquidation period described in Section 9.02.

        Final Scheduled  Distribution  Date:  Solely for purposes of the face of
the Class A and Class M Certificates,  as follows: with respect to the Class A-1
Certificates,  April 25,  2033,  with  respect to the Class  A-IO  Certificates,
September 25, 2005,  and with respect to the Class M-1,  Class M-2 and Class M-3
Certificates,  April 25, 2033.  No event of default  under this  Agreement  will
arise or become  applicable solely by reason of the failure to retire the entire
Certificate Principal Balance or Notional Amount, as applicable, of any Class of
Class A or Class M Certificates  on or before its Final  Scheduled  Distribution
Date.

        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

                                       19
<PAGE>

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.

        Form 10-K Certification: As defined in Section 4.03(e).

        Fraud Loss  Amount:  As of any date of  determination  after the Cut-off
Date, an amount equal to: (X) prior to the first anniversary of the Cut-off Date
an amount equal to 3.00% of the aggregate  outstanding  principal balance of all
of the Mortgage Loans as of the Cut-off Date minus the aggregate amount of Fraud
Losses on the Mortgage Loans allocated through Subordination, in accordance with
Section 4.05 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) 2.00% 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  Fraud  Losses  on  the   Mortgage   Loans   allocated   through
Subordination, 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 Fraud Losses on the  Mortgage  Loans  allocated  through  Subordination,  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
approval  from the  Insurer  and obtain  written  confirmation  from each Rating
Agency that such reduction  shall not reduce the rating  assigned to the Class A
Certificates  or Class M  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  without,  with  respect  to the Class A-1
Certificates,  taking the Policy into  account;  and (ii) provide a copy of such
written confirmation to the Trustee and the Insurer.

        Fraud  Losses:  Losses on Mortgage  Loans as to which there was fraud in
the origination of such Mortgage Loan.

        Freddie  Mac:  Freddie  Mac, 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.

     HomeComings: HomeComings Financial Network, Inc., a wholly-owned subsidiary
of Residential Funding.

                                       20
<PAGE>

        Independent:  When used with respect to any specified Person, means such
a Person who (i) is in fact  independent of the Depositor,  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 Depositor,
the Master Servicer or the Trustee or in an Affiliate thereof,  and (iii) is not
connected with the Depositor,  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   (other  than  the  Class  A-IO   Certificates  and  the  Class  R
Certificates),  the Certificate  Principal Balance of such Class of Certificates
as of the Cut-off Date as set forth in the Preliminary Statement hereto.

        Insurance Agreement: The Insurance and Indemnity Agreement,  dated as of
April 2, 2003,  among the  Insurer,  the  Trustee,  the Master  Servicer and the
Depositor.

        Insurance  Proceeds:  Proceeds  paid in  respect of the  Mortgage  Loans
pursuant to any Primary  Insurance Policy or any other related  insurance policy
(excluding the Policy) covering a Mortgage Loan, 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  released  to  the  Mortgagor  in  accordance  with  the
procedures  that the Master  Servicer  would follow in servicing  mortgage loans
held for its own account.

        Insured Payment:  With respect to the Class A-1 Certificates,  as of any
Distribution  Date, the Deficiency  Amount,  if any, for such  Distribution Date
paid by the Insurer pursuant to the Policy.

        Insurer:  Ambac  Assurance  Corporation,   a  Wisconsin-domiciled  stock
insurance corporation or any successor thereto.

     Insurer  Account:  An account of the Insurer  maintained at Citibank,  N.A.
(ABA No.  021-000089),  Account No.  40609486,  or such other  account as may be
designated  by the Insurer to the Trustee in writing not less than five Business
Days prior to the related Distribution Date.

        Insurer Default:  The existence and continuance of any of the following:
(a) a failure  by the  Insurer  to make a payment  required  under the Policy in
accordance  with its terms;  or (b)(i) the  Insurer  (A) files any  petition  or
commences  any  case  or  proceeding  under  any  provision  or  chapter  of the
Bankruptcy  Code  or  any  other  similar  federal  or  state  law  relating  to
insolvency, bankruptcy, rehabilitation, liquidation or reorganization, (B) makes
a general  assignment  for the benefit of its  creditors or (C) has an order for
relief entered against it under the Bankruptcy Code or any other similar federal
or state law relating to insolvency, bankruptcy, rehabilitation,  liquidation or
reorganization  which is final and  nonappealable;  or (ii) a court of competent
jurisdiction,  the Wisconsin insurance  department or other competent regulatory
authority  enters a final  and  nonappealable  order,  judgment  or  decree  (A)
appointing a custodian, trustee, agent or receiver for the Insurer or for all or
any material portion of its property or (B) authorizing the taking of possession
by a  custodian,  trustee,  agent or  receiver  of the Insurer (or the taking of
possession of all or any material portion of the property of the Insurer).

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

                                       21
<PAGE>

        Interest  Distribution  Amount: The sum of the Class A, Class M-1, Class
M-2 and Class M-3 Interest Distribution Amounts.

        Interim Certification: As defined in Section 2.02.

        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.

        Late Payment Rate: As defined in the Insurance Agreement.

     Limited  Repurchase  Right  Holder:  RFC Asset  Holdings II,  Inc.,  or its
successor.

        Liquidation  Proceeds:  Amounts (other than Insurance Proceeds) received
by the Master  Servicer  in  connection  with the taking of an entire  Mortgaged
Property  by  exercise  of the power of  eminent  domain or  condemnation  or in
connection with the liquidation of a defaulted  Mortgage Loan through  trustee's
sale, foreclosure sale or otherwise, other than REO Proceeds.

        Loan-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.

        Marker  Rate:  With  respect  to  the  Class  SB  Certificates  and  any
Distribution  Date, a per annum rate equal to two (2) times the weighted average
of the Uncertificated  REMIC II Pass-Through Rates for REMIC II Regular Interest
LT2 and REMIC II Regular Interest LT3.

        Maturity  Date:  With respect to each Class of  Certificates  of regular
interest or Uncertificated  Regular Interest issued by each of REMIC I, REMIC II
and REMIC III, 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 such  Class of  Certificates  representing  a regular
interest  in the Trust Fund  would be  reduced to zero,  which is, for each such
regular interest other than the Class A-IO  Certificates,  April 25, 2033, which
is the  second  Distribution  Date  following  the latest  maturity  date of any
Mortgage Loan, and which is for the Class A-IO Certificates, September 25, 2005.

     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.

        Modified Mortgage Loan: Any Mortgage Loan that has been the subject of a
Servicing Modification.

                                       22
<PAGE>

        Modified Net Mortgage  Rate: As to any Mortgage Loan that is the subject
of a Servicing  Modification,  the Net Mortgage Rate minus the rate per annum by
which the Mortgage Rate on such Mortgage Loan was reduced.

        MOM  Loan:  With  respect  to any  Mortgage  Loan,  MERS  acting  as the
mortgagee of such Mortgage  Loan,  solely as nominee for the  originator of such
Mortgage Loan and its successors and assigns, at the origination thereof.

        Monthly  Payment:  With respect to any Mortgage Loan  (including any REO
Property)  and the Due Date in any Due  Period,  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,
the mortgage,  deed of trust or other comparable  instrument creating a first or
junior 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 Loan Schedule:  The list of the Mortgage Loans attached  hereto
as Exhibit F (as amended  from time to time to reflect the addition of Qualified
Substitute  Mortgage  Loans),  which  lists  shall set  forth at a  minimum  the
following information as to each Mortgage Loan:

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

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

               (iii) the  maturity of the Mortgage  Note  ("MATURITY  DATE",  or
        "MATURITY DT" for Mortgage  Loans and if such Mortgage Loan is a Balloon
        Loan, the amortization term thereof;

               (iv) the Mortgage Rate as of the Cut-off Date ("ORIG RATE")

               (v) the Net Mortgage Rate as of the Cut-off Date ("CURR NET");

               (vi) the  scheduled  monthly  payment of  principal,  if any, and
        interest as of the Cut-off Date ("ORIGINAL P & I");

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

                                       23
<PAGE>

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

               (ix) a code "T",  "BT" or "CT"  under the  column  "LN  FEATURE,"
        indicating  that the  Mortgage  Loan is secured by a second or  vacation
        residence  (the  absence  of any such code  means the  Mortgage  Loan is
        secured by a primary residence); and

               (x) a code "N" under the column "OCCP CODE",  indicating that the
        Mortgage Loan is secured by a non-owner  occupied residence (the absence
        of any such code means the Mortgage Loan is secured by an owner occupied
        residence).

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

        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  attached hereto as Exhibit F,
and Qualified Substitute Mortgage Loans held or deemed held as part of the Trust
Fund including,  without  limitation,  each related Mortgage Note,  Mortgage and
Mortgage File and all rights appertaining thereto.

        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  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.

     Mortgagor: The obligor on a Mortgage Note.

        Net Mortgage  Rate:  With respect to any Mortgage Loan as of any date of
determination,  a per annum rate equal to the  Adjusted  Mortgage  Rate for such
Mortgage Loan as of such date minus the sum of the  Certificate  Insurer Premium
Modified Rate and the Servicing Fee Rate.

        Net WAC Cap  Shortfall:  With respect to the Class A-1, Class M-1, Class
M-2 and Class M-3 Certificates  and any  Distribution  Date on which the Net WAC
Rate is used to determine  the  Pass-Through  Rate of the Class A-1,  Class M-1,
Class M-2 and Class M-3  Certificates,  as  applicable,  an amount  equal to the
excess of (x) Accrued Certificate  Interest for that Class of Certificates if it
were calculated at a rate equal to the lesser of (i) the weighted average of the
Net  Mortgage  Rates of the  Mortgage  Loans,  weighted by the Stated  Principal
Balance of each  Mortgage Loan before  giving  effect to  distributions  on such
Distribution  Date and (ii) the rate  determined in clause (i) of the definition
of  "Pass-Through  Rate" for that  Class of  Certificates  over (y) the  Accrued
Certificate Interest for that Class of Certificates calculated using the Net WAC
Rate.

        Net WAC Cap Shortfall  Carry-Forward  Amount:  With respect to the Class
A-1, Class M-1, Class M-2 and Class M-3 Certificates and any Distribution  Date,

                                       24
<PAGE>

an amount  equal to any unpaid  Net WAC Cap  Shortfall  from prior  Distribution
Dates, plus interest thereon at a rate equal to the related Pass-Through Rate.

        Net WAC Rate:  With respect to any  Distribution  Date, a per annum rate
equal to (1) the  weighted  average of the Net  Mortgage  Rates of the  Mortgage
Loans,  weighted by the Stated Principal Balance of each Mortgage Loan as of the
end of the calendar month immediately preceding such Distribution Date minus (2)
the Pass-Through Rate for the Class A-IO Certificates for such Distribution Date
multiplied by a fraction,  the numerator of which is (x) the Notional  Amount of
the Class A-IO Certificates immediately prior to such Distribution Date, and the
denominator  of which  is (y) the  aggregate  Stated  Principal  Balance  of the
Mortgage  Loans as of the end of the calendar month  immediately  preceding such
Distribution  Date, but in all events such per annum rate shall not be less than
0.00% per annum.  The  foregoing  rate is equal to the  weighted  average of the
Uncertificated  REMIC I  Pass-Through  Rates with respect to the REMIC I Regular
Interests, such Uncertificated REMIC I Pass-Through Rates being first reduced in
the case of the REMIC I Regular  Interests LTB by the rate for such Distribution
Date for the related REMIC II Regular Interest LTA-IO,  weighted in each case by
their respective Uncertificated Principal Balances.

        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 or Subservicer 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 or REO Proceeds. To the extent that any
Mortgagor  is not  obligated  under the  related  Mortgage  documents  to pay or
reimburse  any  portion of any  Servicing  Advances  that are  outstanding  with
respect  to the  related  Mortgage  Loan as a result of a  modification  of such
Mortgage Loan by the Master  Servicer,  which forgives  amounts which the Master
Servicer  or  Subservicer  had  previously  advanced,  and the  Master  Servicer
determines that no other source of payment or reimbursement for such advances is
available to it, such Servicing  Advances  shall be deemed to be  Nonrecoverable
Advances.  The  determination  by  the  Master  Servicer  that  it  has  made  a
Nonrecoverable  Advance shall be evidenced by an Officer's Certificate delivered
to the Depositor,  the Trustee,  and the Master  Servicer.  Notwithstanding  the
above,  the  Trustee  shall be entitled  to rely upon any  determination  by the
Master Servicer that any Advance previously made is a Nonrecoverable  Advance or
that any proposed Advance, if made, would constitute a Nonrecoverable Advance.

        Nonsubserviced  Mortgage  Loan:  Any Mortgage  Loan that, at the time of
reference thereto, is not subject to a Subservicing Agreement.

        Notice: As defined in Section 4.04.

        Notional Amount: With respect to the Class A-IO Certificates immediately
prior to any Distribution Date, the lesser of (i) the amount specified below for
the applicable  Distribution  Date, and (ii) the aggregate  principal balance of

                                       25
<PAGE>

the Mortgage Loans prior to giving effect to scheduled payments of principal due
during  the  related  Due  Period,  to the  extent  received  or  advanced,  and
unscheduled  collections of principal  received during the prior calendar month,
which shall be equal to an amount equal to the aggregate Uncertificated Notional
Amount  of REMIC II  Regular  Interests  LTA-IO.  With  respect  to the Class SB
Certificates or the REMIC III Regular Interest SB-IO,  immediately  prior to any
Distribution Date, the aggregate of the Uncertificated Principal Balances of the
REMIC II Regular Interests.

------------------- ---------------- ----------------- ----------------
DISTRIBUTION DATE   NOTIONAL         DISTRIBUTION      NOTIONAL
                    BALANCE          DATE              BALANCE
------------------- ---------------- ----------------- ----------------
------------------- ---------------- ----------------- ----------------
April 2003          $127,000,000     July 2004         $52,000,000
------------------- ---------------- ----------------- ----------------
------------------- ---------------- ----------------- ----------------
May 2003            $119,000,000     August 2004       $49,000,000
------------------- ---------------- ----------------- ----------------
------------------- ---------------- ----------------- ----------------
June 2003           $112,000,000     September 2004    $47,000,000
------------------- ---------------- ----------------- ----------------
------------------- ---------------- ----------------- ----------------
July 2003           $106,000,000     October 2004      $44,000,000
------------------- ---------------- ----------------- ----------------
------------------- ---------------- ----------------- ----------------
August 2003         $100,000,000     November 2004     $41,000,000
------------------- ---------------- ----------------- ----------------
------------------- ---------------- ----------------- ----------------
September 2003      $94,000,000      December 2004     $39,000,000
------------------- ---------------- ----------------- ----------------
------------------- ---------------- ----------------- ----------------
October 2003        $89,000,000      January 2005      $37,000,000
------------------- ---------------- ----------------- ----------------
------------------- ---------------- ----------------- ----------------
November 2003       $84,000,000      February 2005     $35,000,000
------------------- ---------------- ----------------- ----------------
------------------- ---------------- ----------------- ----------------
December 2003       $79,000,000      March 2005        $33,000,000
------------------- ---------------- ----------------- ----------------
------------------- ---------------- ----------------- ----------------
January 2004        $75,000,000      April 2005        $31,000,000
------------------- ---------------- ----------------- ----------------
------------------- ---------------- ----------------- ----------------
February 2004       $70,000,000      May 2005          $29,000,000
------------------- ---------------- ----------------- ----------------
------------------- ---------------- ----------------- ----------------
March 2004          $66,000,000      June 2005         $27,000,000
------------------- ---------------- ----------------- ----------------
------------------- ---------------- ----------------- ----------------
April 2004          $62,000,000      July 2005         $26,000,000
------------------- ---------------- ----------------- ----------------
------------------- ---------------- ----------------- ----------------
May 2004            $59,000,000      August 2005       $24,000,000
------------------- ---------------- ----------------- ----------------
------------------- ---------------- ----------------- ----------------
June 2004           $56,000,000      September 2005    $23,000,000
------------------- ---------------- ----------------- ----------------
------------------- ---------------- ----------------- ----------------
                                     October 2005      $0
                                     and thereafter
------------------- ---------------- ----------------- ----------------

        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 Depositor or the Master
Servicer,  as the case may be, and delivered to the Trustee and the  Certificate
Insurer, as required by this Agreement.

        Opinion of  Counsel:  A written  opinion of  counsel  acceptable  to the
Trustee and the Master Servicer, which counsel shall be reasonably acceptable to
the Insurer,  and which  counsel may be counsel for the  Depositor 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 REMIC I,
REMIC II or REMIC III as REMICs or compliance  with the REMIC  Provisions  must,
unless otherwise specified, be an opinion of Independent counsel.

        Optional  Termination  Date: Any Distribution Date on or after which the
Stated  Principal  Balance (after giving effect to  distributions  to be made on
such Distribution Date) of the Mortgage Loans is less than 10.00% of the Cut-off

                                       26
<PAGE>

Date Balance.

        Outstanding  Mortgage  Loan:  As to the Due  Date in any Due  Period,  a
Mortgage  Loan  (including  an REO  Property)  that  was  not the  subject  of a
Principal  Prepayment in Full, Cash  Liquidation or REO Disposition and that was
not  purchased,  deleted or  substituted  for prior to such Due Date pursuant to
Section 2.02, 2.03, 2.04, 4.07 or 4.08.

        Overcollateralization Amount: With respect to any Distribution Date, the
excess,  if any, of (i) the aggregate Stated  Principal  Balance of the Mortgage
Loans  before  giving  effect to  distributions  of principal to be made on that
Distribution Date, over (ii) the aggregate  Certificate Principal Balance of the
Class A and Class M Certificates, other than the Class A-IO Certificates, before
taking into account  distributions of principal to be made on that  Distribution
Date.

        Overcollateralization  Floor:  An amount equal to 0.50% of the aggregate
principal balance of the Mortgage Loans as of the Cut-off Date, or $1,625,000.

        Overcollateralization Increase Amount: With respect to (a) the first six
Distribution  Dates,  $0,  and (b) any  Distribution  Date  after  the first six
Distribution  Dates,  an amount  equal to the lesser of (i) the Excess Cash Flow
for that  Distribution  Date (to the  extent not used to cover  Realized  Losses
pursuant to clause (iv) of the  definition of Principal  Distribution  Amount or
necessary  in  order to  reimburse  the  Insurer  for any  Cumulative  Insurance
Payments as of such  Distribution  Date) and (ii) the excess, if any, of (x) the
Required  Overcollateralization  Amount for that  Distribution Date over (y) the
Overcollateralization Amount for that Distribution Date.

        Overcollateralization Reduction Amount: With respect to any Distribution
Date for which the Excess  Overcollateralization  Amount is, or would be,  after
taking into  account  all other  distributions  to be made on that  Distribution
Date,  greater  than  zero,  an amount  equal to the  lesser  of (i) the  Excess
Overcollateralization  Amount for that  Distribution Date and (ii) the Principal
Remittance Amount for that Distribution Date.

        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:

        With  respect  to the Class A-1  Certificates,  the lesser of (i) in the
case of any Distribution  Date up to and including the first  Distribution  Date
after the Optional  Termination  Date,  3.60% per annum,  and in the case of any
Distribution Date beginning with the second Distribution Date after the Optional
Termination Date, 4.10% per annum and (ii) from the April 2003 Distribution Date
through the September 2005  Distribution  Date, the Net WAC Rate, and thereafter
the amount described in clause (i);

        With  respect  to the  Class  A-IO  Certificates  (i) in the case of any
Distribution  Date up to and  including the September  2005  Distribution  Date,
5.75%  per  annum,  and  (ii) in the case of any  Distribution  Date  after  the
September 2005 Distribution Date, 0% per annum, which, for each Interest Accrual
Period, is equal to 100% of the interest on REMIC II Regular Interests LTA-IO;

                                       27
<PAGE>

        With  respect  to the Class M-1  Certificates,  the lesser of (i) in the
case of any Distribution  Date up to and including the first  Distribution  Date
after the Optional  Termination  Date,  4.74% per annum,  and in the case of any
Distribution Date beginning with the second Distribution Date after the Optional
Termination Date, 5.24% per annum and (ii) from the April 2003 Distribution Date
through the September 2005  Distribution  Date, the Net WAC Rate, and thereafter
the amount described in clause (i);

        With  respect  to the Class M-2  Certificates,  the lesser of (i) in the
case of any Distribution  Date up to and including the first  Distribution  Date
after the Optional  Termination  Date,  5.19% per annum,  and in the case of any
Distribution Date beginning with the second Distribution Date after the Optional
Termination Date, 5.69% per annum and (ii) from the April 2003 Distribution Date
through the September 2005  Distribution  Date, the Net WAC Rate, and thereafter
the amount described in clause (i);

        With  respect  to the Class M-3  Certificates,  the lesser of (i) in the
case of any Distribution  Date up to and including the first  Distribution  Date
after the Optional  Termination  Date,  5.50% per annum,  and in the case of any
Distribution Date beginning with the second Distribution Date after the Optional
Termination  Dater,  6.00% per annum and (ii) from the April  2003  Distribution
Date  through  the  September  2005  Distribution  Date,  the Net WAC Rate,  and
thereafter the amount described in clause (i); and

        With respect to the Class SB Certificates and any  Distribution  Date or
the REMIC III Regular  Interest  SB-IO, a rate per annum equal to the percentage
equivalent  of a  fraction,  the  numerator  of which is the sum of the  amounts
calculated  pursuant to clauses (i) through (iii) below,  and the denominator of
which is the  aggregate  principal  balance  of the REMIC II  Regular  Interests
relating to the Mortgage  Loans.  For purposes of calculating  the  Pass-Through
Rate for the Class SB  Certificates,  the  numerator  is equal to the sum of the
following components:

               (i) the  Uncertificated  Pass-Through  Rate for REMIC II  Regular
        Interest LT1 minus the Marker Rate,  applied to a notional  amount equal
        to the  Uncertificated  Principal  Balance of REMIC II Regular  Interest
        LT1;

               (ii) the  Uncertificated  Pass-Through  Rate for REMIC II Regular
        Interest LT2 minus the Marker Rate,  applied to a notional  amount equal
        to the  Uncertificated  Principal  Balance of REMIC II Regular  Interest
        LT2; and

               (iii) the  Uncertificated  Pass-Through Rate for REMIC II Regular
        Interest LT4 minus twice the Marker Rate,  applied to a notional  amount
        equal to the  Uncertificated  Principal  Balance  of  REMIC  II  Regular
        Interest LT4.

     Paying Agent:  JPMorgan Chase Bank or any successor  Paying Agent appointed
by the Trustee.

        Percentage Interest:  With respect to any Class A Certificate or Class M
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  divided  by the

                                       28
<PAGE>

aggregate  Initial  Certificate  Principal Balance of all of the Certificates of
the same Class.  The  Percentage  Interest with respect to a Class SB or Class R
Certificate shall be stated on the face thereof.

        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 a 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 and
        demand notes shall have a remaining maturity of not more than 30 days;

               (v) a money market fund or a qualified  investment  fund rated by
        each Rating Agency in its highest long-term rating available; and

               (vi) other  obligations or securities  that are acceptable to the
        Insurer and 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  without,  with
        respect to the Class A-1  Certificates,  giving  effect to the Policy by
        such Rating Agency, as evidenced in writing;

                                       29
<PAGE>

provided,  however,  that 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 Ratings
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 the  following:  A-1 in the case of  Standard & Poor's,  P-1 in the case of
Moody's and F-1 in the case of Fitch Ratings.

        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.

        Policy: The Certificate Guaranty Insurance Policy No. AB0655BE, together
with  endorsements  thereto,  issued by the  Insurer in respect of the Class A-1
Certificates, a copy of which is attached hereto as Exhibit Q.

        Prepayment  Assumption:  With  respect  to  the  Class  A  and  Class  M
Certificates,  the prepayment  assumption to be used for determining the accrual
of original issue discount and premium and market discount on such  Certificates
for federal income tax purposes,  which assumes a constant prepayment rate of 4%
per annum of the then outstanding principal balance of the Mortgage Loans in the
first month of the life of the Mortgage  Loans,  and an  additional  approximate
1.9091% per annum in each month  thereafter  until the twelfth  month,  and then
beginning in the twelfth month and in each month  thereafter  during the life of
the Mortgage Loans, a constant prepayment rate of 25.0% per annum each month.

        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 related Prepayment
Period, an amount equal to the excess of one month's interest at the related 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 related Net  Mortgage  Rate (or Modified Net Mortgage
Rate in the case of a Modified  Mortgage  Loan)) paid by the  Mortgagor for such
Prepayment  Period  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 related Net Mortgage  Rate (or Modified Net Mortgage Rate in the
case of a Modified Mortgage Loan) on the amount of such Curtailment.

                                       30
<PAGE>

        Prepayment  Period:  As to any  Distribution  Date,  the calendar  month
preceding the month of distribution.

        Primary  Insurance  Policy:  With  respect to any  Mortgage  Loan,  each
primary policy of mortgage  guaranty  insurance or replacement  policy therefor.
Each  Mortgage Loan with a Primary  Insurance  Policy is identified on Exhibit F
with the exception of either code "23" or "96" under the column "MI CO CODE."

        Principal  Distribution  Amount:  With respect to any Distribution Date,
the lesser of (a) the excess of (i) the Available  Distribution Amount over (ii)
the Interest Distribution Amount and (b) the sum of:

               (i) the  principal  portion of each Monthly  Payment  received or
        Advanced  with  respect to the  related  Due Period on each  Outstanding
        Mortgage Loan;

               (ii)  the  Stated   Principal   Balance  of  any  Mortgage   Loan
        repurchased during the related Prepayment Period (or deemed to have been
        so repurchased in accordance with Section  3.07(b))  pursuant to Section
        2.02, 2.03, 2.04, 4.07 or 4.08 and the amount of any shortfall deposited
        in the  Custodial  Account  in  connection  with the  substitution  of a
        Deleted  Mortgage  Loan  pursuant  to  Section  2.03 or 2.04  during the
        related Prepayment Period;

               (iii) the principal portion of all other unscheduled  collections
        on  the  Mortgage  Loans  (including,   without  limitation,   Principal
        Prepayments  in  Full,  Curtailments,  Insurance  Proceeds,  Liquidation
        Proceeds,  Subsequent  Recoveries and REO Proceeds)  received during the
        related  Prepayment  Period (or deemed to have been so  received) to the
        extent applied by the Master  Servicer as recoveries of principal of the
        Mortgage Loans pursuant to Section 3.14;

               (iv) the lesser of (a) the Excess Cash Flow for such Distribution
        Date and (b) the  principal  portion of any Realized  Losses (other than
        Excess  Losses)  incurred  (or  deemed  to have  been  incurred)  on any
        Mortgage Loans in the calendar month preceding such  Distribution  Date;
        and

               (v) the lesser of (a) the Excess Cash Flow for such  Distribution
        Date (to the extent not used to cover Realized Losses pursuant to clause
        (iv) of this  definition  or necessary in order to reimburse the Insurer
        for any Cumulative  Insurance Payments as of such Distribution Date) and
        (b) the  amount of any  Overcollateralization  Increase  Amount for such
        Distribution Date;

minus
               (vi)  the   Overcollateralization   Reduction   Amount  for  such
        Distribution Date; and

               (vii) the amount of any Capitalization  Reimbursement  Amount for
        such Distribution Date.

                                       31
<PAGE>

        In no event shall the Principal  Distribution Amount on any Distribution
Date be less than zero or greater  than the  outstanding  aggregate  Certificate
Principal  Balance  of the  Class  A-1,  Class  M-1,  Class  M-2 and  Class  M-3
Certificates.

        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  made  by a
Mortgagor of the entire principal balance of a Mortgage Loan.

        Principal  Remittance Amount: With respect to any Distribution Date, the
sum of the amounts described in clauses (i), (ii) and (iii) of the definition of
Principal Distribution Amount for that Distribution Date.

        Program  Guide:  The  Residential  Funding  Seller  Guide  for  mortgage
collateral  sellers that participate in Residential  Funding's standard mortgage
programs,  and Residential  Funding's Servicing Guide and any other subservicing
arrangements which Residential Funding has arranged to accommodate the servicing
of the Mortgage Loans.

        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, 4.07 or 4.08, an amount equal to the sum of (i) (a) if such Mortgage
Loan (or REO Property) is being purchased  pursuant to Sections 2.02, 2.03, 2.04
or 4.07 of this Agreement, 100% of the Stated Principal Balance thereof plus the
principal portion of any related  unreimbursed  Advances or (b) if such Mortgage
Loan (or REO  Property)  is being  purchased  pursuant  to Section  4.08 of this
Agreement,  the greater of (1) 100% of the Stated Principal Balance thereof plus
the principal portion of any related unreimbursed Advances of such Mortgage Loan
(or REO  Property)  and (2) the fair market  value  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 and the Certificate  Insurer  Premium  Modified
Rate 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)  plus  the  Certificate  Insurer  Premium  Modified  Rate in the case of a
purchase made by the Master Servicer) on the Stated Principal Balance thereof to
the first day of 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 Depositor for a Deleted Mortgage Loan which must, on
the  date  of  such  substitution,  as  confirmed  in an  Officers'  Certificate
delivered to the Trustee,

        (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);

                                       32
<PAGE>

        (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; and

        (v)    comply  with  each  representation  and  warranty  set  forth  in
               Sections  2.03 and 2.04  hereof and  Section 4 of the  Assignment
               Agreement.

        Rating  Agency:  Standard  & Poor's  and  Moody's.  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 Depositor
and the Insurer,  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) 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 sum of the Net Mortgage Rate
and the Certificate  Insurer Premium Modified Rate from the Due Date as to which
interest was last paid or advanced to  Certificateholders  up to the last day of
the month in which the Cash  Liquidation  (or REO  Disposition)  occurred 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 the Certificate  Insurer Premium  Modified 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,
Servicing  Advances  or  other  expenses  as to which  the  Master  Servicer  or
Subservicer  is entitled  to  reimbursement  thereunder  but which have not been
previously  reimbursed.  With respect to each Mortgage Loan which is the subject
of a Servicing Modification, (a) (1) the amount by which the interest portion of
a Monthly Payment or the principal  balance of such Mortgage Loan was reduced or
(2) the sum of any  other  amounts  owing  under  the  Mortgage  Loan  that were
forgiven and that  constitute  Servicing  Advances that are  reimbursable to the
Master  Servicer or a  Subservicer,  and (b) 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.  With respect
to each Mortgage Loan 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.  With  respect to each

                                       33
<PAGE>

Mortgage  Loan  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 and the Insurer 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.

        Realized  Losses  allocated  to  the  Class  SB  Certificates  shall  be
allocated  first to the REMIC III Regular  Interest  SB-IO in  reduction  of the
accrued but unpaid interest thereon until such accrued and unpaid interest shall
have been  reduced to zero and then to the REMIC III Regular  Interest  SB-PO in
reduction of the Principal Balance thereof.

        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 any  Certificates  and 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  Certificates:  The Class A Certificates,  Class M Certificates and
Class SB Certificates.

     Regular Interest: Any one of the REMIC regular interests in the Trust Fund.

     Relief  Act:  The  Soldiers'  and  Sailors'  Civil  Relief Act of 1940,  as
amended.

     Relief Act Shortfalls:  Interest shortfalls on the Mortgage Loans resulting
from the Relief Act or similar legislation or regulations.

        REMIC: A "real estate mortgage investment conduit" within the meaning of
Section 860D of the Code.  As used herein,  the term "REMIC" shall mean REMIC I,
REMIC II or REMIC III.

        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.

                                       34
<PAGE>

        REMIC I: The segregated  pool of assets subject  hereto,  constituting a
portion of the primary trust created  hereby and to be  administered  hereunder,
with respect to which a separate REMIC election is to be made, consisting of:

               (i) the Mortgage Loans and the related Mortgage Files;

               (ii) all payments on and  collections  in respect of the Mortgage
        Loans due after the Cut-off Date (other than Monthly Payments due in the
        month of 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;

               (iii)  property  which secured a Mortgage Loan and which 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 Policy
        pertaining to the Mortgage Loans, if any;

               (v) the Policy; and

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

        REMIC I Realized Losses: For any Distribution  Date,  Realized Losses on
the Mortgage Loans for the related Due Period shall be allocated as follows: The
Interest  Realized  Losses,  if any,  shall be allocated pro rata to the REMIC I
Regular  Interests LTB to the extent,  if any, that Interest Realized Losses for
such Distribution Date are allocated to the Class A-IO  Certificates;  all other
Interest  Realized Losses shall be allocated to the REMIC I Regular Interest LTA
to the extent of Accrued Certificate  Interest thereon in reduction thereof. Any
Interest  Realized  Losses in excess of the  amount  allocated  pursuant  to the
preceding  sentence shall be treated as Realized Losses not  attributable to any
specific  Mortgage  Loan and  allocated  pursuant to the  succeeding  sentences.
Realized  Losses  shall be  allocated  to the  REMIC I Regular  Interest  LTA in
reduction of the principal balance thereof until such principal balance has been
reduced  to zero  and  thereafter  shall be  allocated  to the  REMIC I  Regular
Interests LTB in reduction of the principal balances thereof.

        REMIC I  Regular  Interests:  REMIC I Regular  Interest  LTA and REMIC I
Regular Interest LTB.

        REMIC I Regular Interest LTA: A regular interest in REMIC I that is held
as an asset of REMIC II,  that has an  initial  principal  balance  equal to the
related  Uncertificated  Principal  Balance,  that bears interest at the related
Uncertificated  REMIC I Pass-Through  Rate, and that has such other terms as are
described herein.

        REMIC I Regular  Interest  LTB1:  A regular  interest in REMIC I that is
held as an asset of REMIC II, that has an initial principal balance equal to the
related  Uncertificated  Principal  Balance,  that bears interest at the related
Uncertificated  REMIC I Pass-Through  Rate, and that has such other terms as are
described  herein.  Such REMIC I Regular Interest shall be treated as related to
REMIC II Regular Interest LTA-IO1.

                                       35
<PAGE>

        REMIC I Regular  Interest  LTB2:  A regular  interest in REMIC I that is
held as an asset of REMIC II, that has an initial principal balance equal to the
related  Uncertificated  Principal  Balance,  that bears interest at the related
Uncertificated  REMIC I Pass-Through  Rate, and that has such other terms as are
described  herein.  Such REMIC I Regular Interest shall be treated as related to
REMIC II Regular Interest LTA-IO2.

        REMIC I Regular  Interest  LTB3:  A regular  interest in REMIC I that is
held as an asset of REMIC II, that has an initial principal balance equal to the
related  Uncertificated  Principal  Balance,  that bears interest at the related
Uncertificated  REMIC I Pass-Through  Rate, and that has such other terms as are
described  herein.  Such REMIC I Regular Interest shall be treated as related to
REMIC II Regular Interest LTA-IO3.

        REMIC I Regular  Interest  LTB4:  A regular  interest in REMIC I that is
held as an asset of REMIC II, that has an initial principal balance equal to the
related  Uncertificated  Principal  Balance,  that bears interest at the related
Uncertificated  REMIC I Pass-Through  Rate, and that has such other terms as are
described  herein.  Such REMIC I Regular Interest shall be treated as related to
REMIC II Regular Interest LTA-IO4.

        REMIC I Regular  Interest  LTB5:  A regular  interest in REMIC I that is
held as an asset of REMIC II, that has an initial principal balance equal to the
related  Uncertificated  Principal  Balance,  that bears interest at the related
Uncertificated  REMIC I Pass-Through  Rate, and that has such other terms as are
described  herein.  Such REMIC I Regular Interest shall be treated as related to
REMIC II Regular Interest LTA-IO5.

        REMIC I Regular  Interest  LTB6:  A regular  interest in REMIC I that is
held as an asset of REMIC II, that has an initial principal balance equal to the
related  Uncertificated  Principal  Balance,  that bears interest at the related
Uncertificated  REMIC I Pass-Through  Rate, and that has such other terms as are
described  herein.  Such REMIC I Regular Interest shall be treated as related to
REMIC II Regular Interest LTA-IO6.

        REMIC I Regular  Interest  LTB7:  A regular  interest in REMIC I that is
held as an asset of REMIC II, that has an initial principal balance equal to the
related  Uncertificated  Principal  Balance,  that bears interest at the related
Uncertificated  REMIC I Pass-Through  Rate, and that has such other terms as are
described  herein.  Such REMIC I Regular Interest shall be treated as related to
REMIC II Regular Interest LTA-IO7.

        REMIC I Regular  Interest  LTB8:  A regular  interest in REMIC I that is
held as an asset of REMIC II, that has an initial principal balance equal to the
related  Uncertificated  Principal  Balance,  that bears interest at the related
Uncertificated  REMIC I Pass-Through  Rate, and that has such other terms as are
described  herein.  Such REMIC I Regular Interest shall be treated as related to
REMIC II Regular Interest LTA-IO8.

        REMIC I Regular  Interest  LTB9:  A regular  interest in REMIC I that is
held as an asset of REMIC II, that has an initial principal balance equal to the
related  Uncertificated  Principal  Balance,  that bears interest at the related
Uncertificated  REMIC I Pass-Through  Rate, and that has such other terms as are
described  herein.  Such REMIC I Regular Interest shall be treated as related to
REMIC II Regular Interest LTA-IO9.

                                       36
<PAGE>

        REMIC I Regular  Interest  LTB10: A regular  interest in REMIC I that is
held as an asset of REMIC II, that has an initial principal balance equal to the
related  Uncertificated  Principal  Balance,  that bears interest at the related
Uncertificated  REMIC I Pass-Through  Rate, and that has such other terms as are
described  herein.  Such REMIC I Regular Interest shall be treated as related to
REMIC II Regular Interest LTA-IO10.

        REMIC I Regular  Interest  LTB11: A regular  interest in REMIC I that is
held as an asset of REMIC II, that has an initial principal balance equal to the
related  Uncertificated  Principal  Balance,  that bears interest at the related
Uncertificated  REMIC I Pass-Through  Rate, and that has such other terms as are
described  herein.  Such REMIC I Regular Interest shall be treated as related to
REMIC II Regular Interest LTA-IO11.

        REMIC I Regular  Interest  LTB12: A regular  interest in REMIC I that is
held as an asset of REMIC II, that has an initial principal balance equal to the
related  Uncertificated  Principal  Balance,  that bears interest at the related
Uncertificated  REMIC I Pass-Through  Rate, and that has such other terms as are
described  herein.  Such REMIC I Regular Interest shall be treated as related to
REMIC II Regular Interest LTA-IO12.

        REMIC I Regular  Interest  LTB13: A regular  interest in REMIC I that is
held as an asset of REMIC II, that has an initial principal balance equal to the
related  Uncertificated  Principal  Balance,  that bears interest at the related
Uncertificated  REMIC I Pass-Through  Rate, and that has such other terms as are
described  herein.  Such REMIC I Regular Interest shall be treated as related to
REMIC II Regular Interest LTA-IO13.

        REMIC I Regular  Interest  LTB14: A regular  interest in REMIC I that is
held as an asset of REMIC II, that has an initial principal balance equal to the
related  Uncertificated  Principal  Balance,  that bears interest at the related
Uncertificated  REMIC I Pass-Through  Rate, and that has such other terms as are
described  herein.  Such REMIC I Regular Interest shall be treated as related to
REMIC II Regular Interest LTA-IO14.

        REMIC I Regular  Interest  LTB15: A regular  interest in REMIC I that is
held as an asset of REMIC II, that has an initial principal balance equal to the
related  Uncertificated  Principal  Balance,  that bears interest at the related
Uncertificated  REMIC I Pass-Through  Rate, and that has such other terms as are
described  herein.  Such REMIC I Regular Interest shall be treated as related to
REMIC II Regular Interest LTA-IO15.

        REMIC I Regular  Interest  LTB16: A regular  interest in REMIC I that is
held as an asset of REMIC II, that has an initial principal balance equal to the
related  Uncertificated  Principal  Balance,  that bears interest at the related
Uncertificated  REMIC I Pass-Through  Rate, and that has such other terms as are
described  herein.  Such REMIC I Regular Interest shall be treated as related to
REMIC II Regular Interest LTA-IO16.

        REMIC I Regular  Interest  LTB17: A regular  interest in REMIC I that is
held as an asset of REMIC II, that has an initial principal balance equal to the
related  Uncertificated  Principal  Balance,  that bears interest at the related
Uncertificated  REMIC I Pass-Through  Rate, and that has such other terms as are
described  herein.  Such REMIC I Regular Interest shall be treated as related to
REMIC II Regular Interest LTA-IO17.

                                       37
<PAGE>

        REMIC I Regular  Interest  LTB18: A regular  interest in REMIC I that is
held as an asset of REMIC II, that has an initial principal balance equal to the
related  Uncertificated  Principal  Balance,  that bears interest at the related
Uncertificated  REMIC I Pass-Through  Rate, and that has such other terms as are
described  herein.  Such REMIC I Regular Interest shall be treated as related to
REMIC II Regular Interest LTA-IO18.

        REMIC I Regular  Interest  LTB19: A regular  interest in REMIC I that is
held as an asset of REMIC II, that has an initial principal balance equal to the
related  Uncertificated  Principal  Balance,  that bears interest at the related
Uncertificated  REMIC I Pass-Through  Rate, and that has such other terms as are
described  herein.  Such REMIC I Regular Interest shall be treated as related to
REMIC II Regular Interest LTA-IO19.

        REMIC I Regular  Interest  LTB20: A regular  interest in REMIC I that is
held as an asset of REMIC II, that has an initial principal balance equal to the
related  Uncertificated  Principal  Balance,  that bears interest at the related
Uncertificated  REMIC I Pass-Through  Rate, and that has such other terms as are
described  herein.  Such REMIC I Regular Interest shall be treated as related to
REMIC II Regular Interest LTA-IO20.

        REMIC I Regular  Interest  LTB21: A regular  interest in REMIC I that is
held as an asset of REMIC II, that has an initial principal balance equal to the
related  Uncertificated  Principal  Balance,  that bears interest at the related
Uncertificated  REMIC I Pass-Through  Rate, and that has such other terms as are
described  herein.  Such REMIC I Regular Interest shall be treated as related to
REMIC II Regular Interest LTA-IO21.

        REMIC I Regular  Interest  LTB22: A regular  interest in REMIC I that is
held as an asset of REMIC II, that has an initial principal balance equal to the
related  Uncertificated  Principal  Balance,  that bears interest at the related
Uncertificated  REMIC I Pass-Through  Rate, and that has such other terms as are
described  herein.  Such REMIC I Regular Interest shall be treated as related to
REMIC II Regular Interest LTA-IO22.

        REMIC I Regular  Interest  LTB23: A regular  interest in REMIC I that is
held as an asset of REMIC II, that has an initial principal balance equal to the
related  Uncertificated  Principal  Balance,  that bears interest at the related
Uncertificated  REMIC I Pass-Through  Rate, and that has such other terms as are
described  herein.  Such REMIC I Regular Interest shall be treated as related to
REMIC II Regular Interest LTA-IO23.

        REMIC I Regular  Interest  LTB24: A regular  interest in REMIC I that is
held as an asset of REMIC II, that has an initial principal balance equal to the
related  Uncertificated  Principal  Balance,  that bears interest at the related
Uncertificated  REMIC I Pass-Through  Rate, and that has such other terms as are
described  herein.  Such REMIC I Regular Interest shall be treated as related to
REMIC II Regular Interest LTA-IO24.

        REMIC I Regular  Interest  LTB25: A regular  interest in REMIC I that is
held as an asset of REMIC II, that has an initial principal balance equal to the
related  Uncertificated  Principal  Balance,  that bears interest at the related
Uncertificated  REMIC I Pass-Through  Rate, and that has such other terms as are
described  herein.  Such REMIC I Regular Interest shall be treated as related to
REMIC II Regular Interest LTA-IO25.

                                       38
<PAGE>

        REMIC I Regular  Interest  LTB26: A regular  interest in REMIC I that is
held as an asset of REMIC II, that has an initial principal balance equal to the
related  Uncertificated  Principal  Balance,  that bears interest at the related
Uncertificated  REMIC I Pass-Through  Rate, and that has such other terms as are
described  herein.  Such REMIC I Regular Interest shall be treated as related to
REMIC II Regular Interest LTA-IO26.
        REMIC I Regular  Interest  LTB27: A regular  interest in REMIC I that is
held as an asset of REMIC II, that has an initial principal balance equal to the
related  Uncertificated  Principal  Balance,  that bears interest at the related
Uncertificated  REMIC I Pass-Through  Rate, and that has such other terms as are
described  herein.  Such REMIC I Regular Interest shall be treated as related to
REMIC II Regular Interest LTA-IO27.

        REMIC I Regular  Interest  LTB28: A regular  interest in REMIC I that is
held as an asset of REMIC II, that has an initial principal balance equal to the
related  Uncertificated  Principal  Balance,  that bears interest at the related
Uncertificated  REMIC I Pass-Through  Rate, and that has such other terms as are
described  herein.  Such REMIC I Regular Interest shall be treated as related to
REMIC II Regular Interest LTA-IO28.

        REMIC I Regular  Interest  LTB29: A regular  interest in REMIC I that is
held as an asset of REMIC II, that has an initial principal balance equal to the
related  Uncertificated  Principal  Balance,  that bears interest at the related
Uncertificated  REMIC I Pass-Through  Rate, and that has such other terms as are
described  herein.  Such REMIC I Regular Interest shall be treated as related to
REMIC II Regular Interest LTA-IO29.

        REMIC I Regular  Interest  LTB30: A regular  interest in REMIC I that is
held as an asset of REMIC II, that has an initial principal balance equal to the
related  Uncertificated  Principal  Balance,  that bears interest at the related
Uncertificated  REMIC I Pass-Through  Rate, and that has such other terms as are
described  herein.  Such REMIC I Regular Interest shall be treated as related to
REMIC II Regular Interest LTA-IO30.

        REMIC I Regular  Interests LTB: REMIC I Regular  Interest LTB1,  REMIC I
Regular  Interest LTB2,  REMIC I Regular Interest LTB3, REMIC I Regular Interest
LTB4,  REMIC I Regular  Interest LTB5,  REMIC I Regular  Interest LTB6,  REMIC I
Regular  Interest LTB7,  REMIC I Regular Interest LTB8, REMIC I Regular Interest
LTB9,  REMIC I Regular Interest LTB10,  REMIC I Regular Interest LTB11,  REMIC I
Regular Interest LTB12, REMIC I Regular Interest LTB13, REMIC I Regular Interest
LTB14,  REMIC I Regular Interest LTB15,  REMIC I Regular Interest LTB16, REMIC I
Regular Interest LTB17, REMIC I Regular Interest LTB18, REMIC I Regular Interest
LTB19,  REMIC I Regular Interest LTB20,  REMIC I Regular Interest LTB21, REMIC I
Regular Interest LTB22, REMIC I Regular Interest LTB23, REMIC I Regular Interest
LTB24,  REMIC I Regular Interest LTB25,  REMIC I Regular Interest LTB26, REMIC I
Regular Interest LTB27, REMIC I Regular Interest LTB28, REMIC I Regular Interest
LTB29 and REMIC I Regular Interest LTB30.

        REMIC II: The segregated pool of assets subject  hereto,  constituting a
portion of the primary trust created  hereby and to be  administered  hereunder,
with respect to which a separate REMIC election is to be made, consisting of the
REMIC I Regular Interests.

                                       39
<PAGE>

        REMIC II Principal  Reduction  Amounts:  For any Distribution  Date, the
amounts by which the principal  balances of the REMIC II Regular  Interests LT1,
LT2, LT3 and LT4 respectively  will be reduced on such  Distribution Date by the
allocation of Realized Losses and the  distribution of principal,  determined as
follows:

        For purposes of the succeeding formulas the following symbols shall have
the meanings set forth below:

        Y1     = the  principal  balance  of the REMIC II Regular  Interest  LT1
               after distributions on the prior Distribution Date.

        Y2     = the  principal  balance  of the REMIC II Regular  Interest  LT2
               after distributions on the prior Distribution Date.

        Y3     = the  principal  balance  of the REMIC II Regular  Interest  LT3
               after distributions on the prior Distribution Date.

        Y4     = the  principal  balance  of the REMIC II Regular  Interest  LT4
               after  distributions on the prior  Distribution  Date (note: Y3 =
               Y4).

        (DELTA)Y1  = the  REMIC II  Regular  Interest  LT1  Principal  Reduction
Amount.

        (DELTA)Y2  = the  REMIC II  Regular  Interest  LT2  Principal  Reduction
Amount.

        (DELTA)Y3  = the  REMIC II  Regular  Interest  LT3  Principal  Reduction
Amount.

        (DELTA)Y4  = the  REMIC II  Regular  Interest  LT4  Principal  Reduction
Amount.

        P0     = the  aggregate  principal  balance  of  the  REMIC  II  Regular
               Interest LT1,  REMIC II Regular  Interest  LT2,  REMIC II Regular
               Interest   LT3,   and  REMIC  II  Regular   Interest   LT4  after
               distributions  and the allocation of Realized Losses on the prior
               Distribution Date.

        P1     = the  aggregate  principal  balance  of  the  REMIC  II  Regular
               Interest LT1,  REMIC II Regular  Interest  LT2,  REMIC II Regular
               Interest   LT3  and   REMIC  II   Regular   Interest   LT4  after
               distributions and the allocation of Realized Losses to be made on
               such Distribution Date.

                                       40
<PAGE>

        (DELTA)P = P0 - P1 = the aggregate of the REMIC II Regular Interest LT1,
               REMIC II Regular  Interest LT2, REMIC II Regular Interest LT3 and
               REMIC II Regular Interest LT4 Principal Reduction Amounts.

              =the aggregate of the principal  portions of Realized Losses to be
               allocated to, and the principal  distributions to be made on, the
               Certificates on such Distribution  Date (including  distributions
               of accrued and unpaid interest on the Class SB  Certificates  for
               prior Distribution Dates).

        R0     = the Net WAC Rate (stated as a monthly rate) after giving effect
               to amounts distributed and Realized Losses allocated on the prior
               Distribution Date.

        R1     = the Net WAC Rate (stated as a monthly rate) after giving effect
               to amounts to be distributed  and Realized Losses to be allocated
               on such Distribution Date.

        (alpha)= (Y2 + Y3)/P0.  The initial value of (alpha) on the Closing Date
               for use on the first Distribution Date shall be 0.0001.

        (gamma)0 = the  lesser of (A) the sum of (x) the sum for all  Classes of
               Certificates  other than the Class SB Certificates of the product
               for each Class of (i) the  monthly  interest  rate (as limited by
               the Net WAC Rate, if  applicable)  for such Class  applicable for
               distributions to be made on such  Distribution  Date and (ii) the
               aggregate  Certificate  Principal  Balance  for such Class  after
               distributions  and the allocation of Realized Losses on the prior
               Distribution  Date,  (y) the  aggregate Net WAC Cap Shortfall for
               such  Distribution  Date  and  (z)  the  aggregate  Net  WAC  Cap
               Shortfall Carry-Forward Amount for such Distribution Date and (B)
               R0*P0.

        (gamma)1 = the  lesser of (A) the sum of (x) the sum for all  Classes of
               Certificates  other than the Class SB Certificates of the product
               for each Class of (i) the  monthly  interest  rate (as limited by
               the Net WAC Rate, if  applicable)  for such Class  applicable for
               distributions to be made on the next succeeding Distribution Date
               and (ii) the  aggregate  Certificate  Principal  Balance for such
               Class after  distributions  and the allocation of Realized Losses
               to be made on such  Distribution  Date, (y) the aggregate Net WAC
               Cap Shortfall for the next succeeding  Distribution  Date and (z)
               the aggregate Net WAC Cap Shortfall  Carry-Forward Amount for the
               next succeeding Distribution Date and (B) R1*P1.

        Then, based on the foregoing definitions:

        (DELTA)Y1 =   (DELTA)P - (DELTA)Y2 - (DELTA)Y3 - (DELTA)Y4;

        (DELTA)Y2 =   ((alpha)/2){( (gamma)0R1 - (gamma)1R0)/R0R1};

        (DELTA)Y3 =   (alpha)(DELTA)P - (DELTA)Y2; and

        (DELTA)Y4 =   (DELTA)Y3.

if   both (DELTA)Y2 and (DELTA)Y3,  as so determined,  are non-negative numbers.
     Otherwise:

        (1) If (DELTA)Y2, as so determined, is negative, then

        (DELTA)Y2 = 0;

        (DELTA)Y3 = (alpha){(gamma)1R0P0 - (gamma)0R1P1}/{ (gamma)1R0};

        (DELTA)Y4 = (DELTA)Y3; and

        (DELTA)Y1 = (DELTA)P - (DELTA)Y2 - (DELTA)Y3 - (DELTA)Y4.

                                       41
<PAGE>

        (2) If (DELTA)Y3, as so determined, is negative, then

        (DELTA)Y3 = 0;

          (DELTA)Y2   =   (alpha){(gamma)1R0P0   -    (gamma)0R1P1}/{2R1R0P1   -
               (gamma)1R0};

        (DELTA)Y4 = (DELTA)Y3; and

        (DELTA)Y1 = (DELTA)P - (DELTA)Y2 - (DELTA)Y3 - (DELTA)Y4.

        REMIC II Realized Losses: For any Distribution Date,  Realized Losses on
the Mortgage  Loans for the related Due Period shall be  allocated,  as follows:
The Interest  Realized  Losses,  if any,  shall be allocated (i) pro rata to the
REMIC II Regular  Interests LTA-IO to the extent, if any, that Interest Realized
Losses for such  Distribution  Date are allocated to the Class A-IO Certificates
and (ii) any remaining  Interest Realized Losses, if any, shall be allocated pro
rata to accrued interest on the REMIC II Regular  Interests other than the REMIC
II  Regular  Interests  LTA-IO  to the  extent  of such  accrued  interest.  Any
remaining  Interest  Realized Losses and any Principal  Realized Losses shall be
treated as Principal  Realized  Losses and allocated (i) to the REMIC II Regular
Interest LT2,  REMIC II Regular  Interest LT3 and REMIC II Regular  Interest LT4
REMIC II Regular  Interests  pro rata  according to their  respective  Principal
Reduction Amounts, provided that such allocation to each of the REMIC II Regular
Interest LT2,  REMIC II Regular  Interest LT3 and REMIC II Regular  Interest LT4
shall  not  exceed  their  respective   Principal  Reduction  Amounts  for  such
Distribution  Date,  and (ii) any  Realized  Losses not  allocated to either the
REMIC II Regular  Interest  LT2,  REMIC II  Regular  Interest  LT3,  or REMIC II
Regular Interest LT4 pursuant to the proviso of clause (i) shall be allocated to
the REMIC II Regular Interest LT1.

        REMIC II Regular Interest LTA-IO1: A regular interest that is held as an
asset of  REMIC II that has an  initial  notional  amount  equal to the  related
Uncertificated   Notional   Amount,   that  bears   interest   at  the   related
Uncertificated  REMIC II Pass-Through Rate, and that has such other terms as are
described herein.  REMIC II Regular Interest LTA-IO1 shall be treated as related
to REMIC I Regular Interest LTB1.

        REMIC II Regular Interest LTA-IO2: A regular interest that is held as an
asset of  REMIC II that has an  initial  notional  amount  equal to the  related
Uncertificated   Notional   Amount,   that  bears   interest   at  the   related
Uncertificated  REMIC II Pass-Through Rate, and that has such other terms as are
described herein.  REMIC II Regular Interest LTA-IO2 shall be treated as related
to REMIC I Regular Interest LTB2.

        REMIC II Regular Interest LTA-IO3: A regular interest that is held as an
asset of  REMIC II that has an  initial  notional  amount  equal to the  related
Uncertificated   Notional   Amount,   that  bears   interest   at  the   related
Uncertificated  REMIC II Pass-Through Rate, and that has such other terms as are
described herein.  REMIC II Regular Interest LTA-IO3 shall be treated as related
to REMIC I Regular Interest LTB3.

                                       42
<PAGE>

        REMIC II Regular Interest LTA-IO4: A regular interest that is held as an
asset of  REMIC II that has an  initial  notional  amount  equal to the  related
Uncertificated   Notional   Amount,   that  bears   interest   at  the   related
Uncertificated  REMIC II Pass-Through Rate, and that has such other terms as are
described herein.  REMIC II Regular Interest LTA-IO4 shall be treated as related
to REMIC I Regular Interest LTB4.

        REMIC II Regular Interest LTA-IO5: A regular interest that is held as an
asset of  REMIC II that has an  initial  notional  amount  equal to the  related
Uncertificated   Notional   Amount,   that  bears   interest   at  the   related
Uncertificated  REMIC II Pass-Through Rate, and that has such other terms as are
described herein.  REMIC II Regular Interest LTA-IO5 shall be treated as related
to REMIC I Regular Interest LTB5.

        REMIC II Regular Interest LTA-IO6: A regular interest that is held as an
asset of  REMIC II that has an  initial  notional  amount  equal to the  related
Uncertificated   Notional   Amount,   that  bears   interest   at  the   related
Uncertificated  REMIC II Pass-Through Rate, and that has such other terms as are
described herein.  REMIC II Regular Interest LTA-IO6 shall be treated as related
to REMIC I Regular Interest LTB6.

        REMIC II Regular Interest LTA-IO7: A regular interest that is held as an
asset of  REMIC II that has an  initial  notional  amount  equal to the  related
Uncertificated   Notional   Amount,   that  bears   interest   at  the   related
Uncertificated  REMIC II Pass-Through Rate, and that has such other terms as are
described herein.  REMIC II Regular Interest LTA-IO7 shall be treated as related
to REMIC I Regular Interest LTB7.

        REMIC II Regular Interest LTA-IO8: A regular interest that is held as an
asset of  REMIC II that has an  initial  notional  amount  equal to the  related
Uncertificated   Notional   Amount,   that  bears   interest   at  the   related
Uncertificated  REMIC II Pass-Through Rate, and that has such other terms as are
described herein.  REMIC II Regular Interest LTA-IO8 shall be treated as related
to REMIC I Regular Interest LTB8.

        REMIC II Regular Interest LTA-IO9: A regular interest that is held as an
asset of  REMIC II that has an  initial  notional  amount  equal to the  related
Uncertificated   Notional   Amount,   that  bears   interest   at  the   related
Uncertificated  REMIC II Pass-Through Rate, and that has such other terms as are
described herein.  REMIC II Regular Interest LTA-IO9 shall be treated as related
to REMIC I Regular Interest LTB9.

        REMIC II Regular Interest  LTA-IO10:  A regular interest that is held as
an asset of REMIC II that has an initial  notional  amount  equal to the related
Uncertificated   Notional   Amount,   that  bears   interest   at  the   related
Uncertificated  REMIC II Pass-Through Rate, and that has such other terms as are
described herein. REMIC II Regular Interest LTA-IO10 shall be treated as related
to REMIC I Regular Interest LTB10.

        REMIC II Regular Interest  LTA-IO11:  A regular interest that is held as
an asset of REMIC II that has an initial  notional  amount  equal to the related
Uncertificated   Notional   Amount,   that  bears   interest   at  the   related
Uncertificated  REMIC II Pass-Through Rate, and that has such other terms as are
described herein. REMIC II Regular Interest LTA-IO11 shall be treated as related
to REMIC I Regular Interest LTB11.

                                       43
<PAGE>

        REMIC II Regular Interest  LTA-IO12:  A regular interest that is held as
an asset of REMIC II that has an initial  notional  amount  equal to the related
Uncertificated   Notional   Amount,   that  bears   interest   at  the   related
Uncertificated  REMIC II Pass-Through Rate, and that has such other terms as are
described herein. REMIC II Regular Interest LTA-IO12 shall be treated as related
to REMIC I Regular Interest LTB12.

        REMIC II Regular Interest  LTA-IO13:  A regular interest that is held as
an asset of REMIC II that has an initial  notional  amount  equal to the related
Uncertificated   Notional   Amount,   that  bears   interest   at  the   related
Uncertificated  REMIC II Pass-Through Rate, and that has such other terms as are
described herein. REMIC II Regular Interest LTA-IO13 shall be treated as related
to REMIC I Regular Interest LTB13.

        REMIC II Regular Interest  LTA-IO14:  A regular interest that is held as
an asset of REMIC II that has an initial  notional  amount  equal to the related
Uncertificated   Notional   Amount,   that  bears   interest   at  the   related
Uncertificated  REMIC II Pass-Through Rate, and that has such other terms as are
described herein. REMIC II Regular Interest LTA-IO14 shall be treated as related
to REMIC I Regular Interest LTB14.

        REMIC II Regular Interest  LTA-IO15:  A regular interest that is held as
an asset of REMIC II that has an initial  notional  amount  equal to the related
Uncertificated   Notional   Amount,   that  bears   interest   at  the   related
Uncertificated  REMIC II Pass-Through Rate, and that has such other terms as are
described herein. REMIC II Regular Interest LTA-IO15 shall be treated as related
to REMIC I Regular Interest LTB15.

        REMIC II Regular Interest  LTA-IO16:  A regular interest that is held as
an asset of REMIC II that has an initial  notional  amount  equal to the related
Uncertificated   Notional   Amount,   that  bears   interest   at  the   related
Uncertificated  REMIC II Pass-Through Rate, and that has such other terms as are
described herein. REMIC II Regular Interest LTA-IO16 shall be treated as related
to REMIC I Regular Interest LTB16.

        REMIC II Regular Interest  LTA-IO17:  A regular interest that is held as
an asset of REMIC II that has an initial  notional  amount  equal to the related
Uncertificated   Notional   Amount,   that  bears   interest   at  the   related
Uncertificated  REMIC II Pass-Through Rate, and that has such other terms as are
described herein. REMIC II Regular Interest LTA-IO17 shall be treated as related
to REMIC I Regular Interest LTB17.

        REMIC II Regular Interest  LTA-IO18:  A regular interest that is held as
an asset of REMIC II that has an initial  notional  amount  equal to the related
Uncertificated   Notional   Amount,   that  bears   interest   at  the   related
Uncertificated  REMIC II Pass-Through Rate, and that has such other terms as are
described herein. REMIC II Regular Interest LTA-IO18 shall be treated as related
to REMIC I Regular Interest LTB18.

        REMIC II Regular Interest  LTA-IO19:  A regular interest that is held as
an asset of REMIC II that has an initial  notional  amount  equal to the related
Uncertificated   Notional   Amount,   that  bears   interest   at  the   related
Uncertificated  REMIC II Pass-Through Rate, and that has such other terms as are
described herein. REMIC II Regular Interest LTA-IO19 shall be treated as related
to REMIC I Regular Interest LTB19.

                                       44
<PAGE>

        REMIC II Regular Interest  LTA-IO20:  A regular interest that is held as
an asset of REMIC II that has an initial  notional  amount  equal to the related
Uncertificated   Notional   Amount,   that  bears   interest   at  the   related
Uncertificated  REMIC II Pass-Through Rate, and that has such other terms as are
described herein. REMIC II Regular Interest LTA-IO20 shall be treated as related
to REMIC I Regular Interest LTB20.

        REMIC II Regular Interest  LTA-IO21:  A regular interest that is held as
an asset of REMIC II that has an initial  notional  amount  equal to the related
Uncertificated   Notional   Amount,   that  bears   interest   at  the   related
Uncertificated  REMIC II Pass-Through Rate, and that has such other terms as are
described herein. REMIC II Regular Interest LTA-IO21 shall be treated as related
to REMIC I Regular Interest LTB21.

        REMIC II Regular Interest  LTA-IO22:  A regular interest that is held as
an asset of REMIC II that has an initial  notional  amount  equal to the related
Uncertificated   Notional   Amount,   that  bears   interest   at  the   related
Uncertificated  REMIC II Pass-Through Rate, and that has such other terms as are
described herein. REMIC II Regular Interest LTA-IO22 shall be treated as related
to REMIC I Regular Interest LTB22.

        REMIC II Regular Interest  LTA-IO23:  A regular interest that is held as
an asset of REMIC II that has an initial  notional  amount  equal to the related
Uncertificated   Notional   Amount,   that  bears   interest   at  the   related
Uncertificated  REMIC II Pass-Through Rate, and that has such other terms as are
described herein. REMIC II Regular Interest LTA-IO23 shall be treated as related
to REMIC I Regular Interest LTB23

        REMIC II Regular Interest  LTA-IO24:  A regular interest that is held as
an asset of REMIC II that has an initial  notional  amount  equal to the related
Uncertificated   Notional   Amount,   that  bears   interest   at  the   related
Uncertificated  REMIC II Pass-Through Rate, and that has such other terms as are
described herein. REMIC II Regular Interest LTA-IO24 shall be treated as related
to REMIC I Regular Interest LTB24.

        REMIC II Regular Interest  LTA-IO25:  A regular interest that is held as
an asset of REMIC II that has an initial  notional  amount  equal to the related
Uncertificated   Notional   Amount,   that  bears   interest   at  the   related
Uncertificated  REMIC II Pass-Through Rate, and that has such other terms as are
described herein. REMIC II Regular Interest LTA-IO25 shall be treated as related
to REMIC I Regular Interest LTB25.

        REMIC II Regular Interest  LTA-IO26:  A regular interest that is held as
an asset of REMIC II that has an initial  notional  amount  equal to the related
Uncertificated   Notional   Amount,   that  bears   interest   at  the   related
Uncertificated  REMIC II Pass-Through Rate, and that has such other terms as are
described herein. REMIC II Regular Interest LTA-IO26 shall be treated as related
to REMIC I Regular Interest LTB26.

        REMIC II Regular Interest  LTA-IO27:  A regular interest that is held as
an asset of REMIC II that has an initial  notional  amount  equal to the related
Uncertificated   Notional   Amount,   that  bears   interest   at  the   related
Uncertificated  REMIC II Pass-Through Rate, and that has such other terms as are
described herein. REMIC II Regular Interest LTA-IO27 shall be treated as related
to REMIC I Regular Interest LTB27.

                                       45
<PAGE>

        REMIC II Regular Interest  LTA-IO28:  A regular interest that is held as
an asset of REMIC II that has an initial  notional  amount  equal to the related
Uncertificated   Notional   Amount,   that  bears   interest   at  the   related
Uncertificated  REMIC II Pass-Through Rate, and that has such other terms as are
described herein. REMIC II Regular Interest LTA-IO28 shall be treated as related
to REMIC I Regular Interest LTB28.

        REMIC II Regular Interest  LTA-IO29:  A regular interest that is held as
an asset of REMIC II that has an initial  notional  amount  equal to the related
Uncertificated   Notional   Amount,   that  bears   interest   at  the   related
Uncertificated  REMIC II Pass-Through Rate, and that has such other terms as are
described herein. REMIC II Regular Interest LTA-IO29 shall be treated as related
to REMIC I Regular Interest LTB29.

        REMIC II Regular Interest  LTA-IO30:  A regular interest that is held as
an asset of REMIC II that has an initial  notional  amount  equal to the related
Uncertificated   Notional   Amount,   that  bears   interest   at  the   related
Uncertificated  REMIC II Pass-Through Rate, and that has such other terms as are
described herein. REMIC II Regular Interest LTA-IO30 shall be treated as related
to REMIC I Regular Interest LTB30.

        REMIC II Regular  Interest  LT1: A regular  interest in REMIC II that is
held as an asset of REMIC III,  that has an initial  principal  balance equal to
the related Uncertificated Principal Balance, that bears interest at the related
Uncertificated  REMIC II Pass-Through Rate, and that has such other terms as are
described herein.

        REMIC II Regular  Interest LT1 Principal  Distribution  Amount:  For any
Distribution  Date,  the excess,  if any, of the REMIC II Regular  Interest  LT1
Principal  Reduction Amount for such  Distribution Date over the Realized Losses
allocated to the REMIC II Regular Interest LT1 on such Distribution Date.

         REMIC II Regular  Interest LT2: A regular  interest in REMIC II that is
held as an asset of REMIC III,  that has an initial  principal  balance equal to
the related Uncertificated Principal Balance, that bears interest at the related
Uncertificated  REMIC II Pass-Through Rate, and that has such other terms as are
described herein.

        REMIC II Regular  Interest LT2 Principal  Distribution  Amount:  For any
Distribution  Date,  the excess,  if any, of the REMIC II Regular  Interest  LT2
Principal  Reduction Amount for such  Distribution Date over the Realized Losses
allocated to the REMIC II Regular Interest LT2 on such Distribution Date.

        REMIC II Regular  Interest  LT3: A regular  interest in REMIC II that is
held as an asset of REMIC III,  that has an initial  principal  balance equal to
the related Uncertificated Principal Balance, that bears interest at the related
Uncertificated  REMIC II Pass-Through Rate, and that has such other terms as are
described herein.

        REMIC II Regular  Interest LT3 Principal  Distribution  Amount:  For any
Distribution  Date,  the excess,  if any, of the REMIC II Regular  Interest  LT3
Principal  Reduction Amount for such  Distribution Date over the Realized Losses
allocated to the REMIC II Regular Interest LT3 on such Distribution Date.

                                       46
<PAGE>

        REMIC II Regular  Interest  LT4: A regular  interest in REMIC II that is
held as an asset of REMIC III,  that has an initial  principal  balance equal to
the related Uncertificated Principal Balance, that bears interest at the related
Uncertificated  REMIC II Pass-Through Rate, and that has such other terms as are
described herein.

        REMIC II Regular  Interest LT4 Principal  Distribution  Amount:  For any
Distribution  Date,  the excess,  if any, of the REMIC II Regular  Interest  LT4
Principal  Reduction Amount for such  Distribution Date over the Realized Losses
allocated to the REMIC II Regular Interest LT4 on such Distribution Date.

        REMIC II Regular Interests: REMIC II Regular Interests LTA-IO, LT1, LT2,
LT3 and LT4.

        REMIC II Regular  Interests  LTA-IO:  REMIC II Regular Interest LTA-IO1,
REMIC II Regular Interest LTA-IO2,  REMIC II Regular Interest LTA-IO3,  REMIC II
Regular Interest LTA-IO4,  REMIC II Regular Interest  LTA-IO5,  REMIC II Regular
Interest LTA-IO6,  REMIC II Regular Interest LTA-IO7,  REMIC II Regular Interest
LTA-IO8,  REMIC II Regular Interest LTA-IO9, REMIC II Regular Interest LTA-IO10,
REMIC II Regular Interest LTA-IO11, REMIC II Regular Interest LTA-IO12, REMIC II
Regular Interest LTA-IO13,  REMIC II Regular Interest LTA-IO14, REMIC II Regular
Interest LTA-IO15, REMIC II Regular Interest LTA-IO16, REMIC II Regular Interest
LTA-IO17,  REMIC  II  Regular  Interest  LTA-IO18,  REMIC  II  Regular  Interest
LTA-IO19,  REMIC  II  Regular  Interest  LTA-IO20,  REMIC  II  Regular  Interest
LTA-IO21,  REMIC  II  Regular  Interest  LTA-IO22,  REMIC  II  Regular  Interest
LTA-IO23,  REMIC  II  Regular  Interest  LTA-IO24,  REMIC  II  Regular  Interest
LTA-IO25,  REMIC  II  Regular  Interest  LTA-IO26,  REMIC  II  Regular  Interest
LTA-IO27, REMIC II Regular Interest LTA-IO28, REMIC II Regular Interest LTA-IO29
and REMIC II Regular Interest LTA-IO30.

        REMIC III: The segregated pool of assets subject hereto,  constituting a
portion of the primary trust created  hereby and to be  administered  hereunder,
with respect to which a separate REMIC election is to be made, consisting of the
REMIC II Regular Interests.

        REMIC III Regular Interest SB-PO: A separate non-certificated beneficial
ownership  interests in REMIC III issued  hereunder and  designated as a Regular
Interest  in  REMIC  III.  REMIC  III  Regular  Interest  SB-PO  shall  have  no
entitlement  to interest,  and shall be entitled to  distributions  of principal
subject to the terms and  conditions  hereof,  in aggregate  amount equal to the
initial Certificate  Principal Balance of the Class SB Certificates as set forth
in the Preliminary Statement hereto.

        REMIC III Regular Interest SB-IO: A separate non-certificated beneficial
ownership  interests in REMIC III issued  hereunder and  designated as a Regular
Interest  in  REMIC  III.  REMIC  III  Regular  Interest  SB-IO  shall  have  no
entitlement  to principal,  and shall be entitled to  distributions  of interest
subject to the terms and  conditions  hereof,  in aggregate  amount equal to the
interest distributable with respect to the Class SB Certificates pursuant to the
terms and conditions hereof.

                                       47
<PAGE>

        REMIC III  Regular  Interests:  REMIC III  Regular  Interests  SB-IO and
SB-PO,  together with the Class A-1, Class A-IO,  Class M-1, Class M-2 and Class
M-3 Certificates.

        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 substantially all Insurance Proceeds,  Liquidation
Proceeds,  REO Proceeds and other payments and recoveries (including proceeds of
a final sale) which the Master Servicer  expects to be finally  recoverable from
the sale or other disposition of the REO Property.

        REO Imputed Interest: As to any REO Property,  for any period, an amount
equivalent to interest (at a rate equal to the sum of the Net Mortgage Rate plus
the Certificate Insurer Premium Modified 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)  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.

        Reportable  Modified  Mortgage Loan: Any Mortgage Loan that (i) has been
subject to an interest rate reduction, (ii) has been subject to a term extension
or (iii) has had amounts owing on such Mortgage Loan  capitalized by adding such
amount to the Stated Principal Balance of such Mortgage Loan; provided, however,
that a  Mortgage  Loan  modified  in  accordance  with  clause  (i)  above for a
temporary  period  shall  not be a  Reportable  Modified  Mortgage  Loan if such
Mortgage Loan has not been  delinquent in payments of principal and interest for
six months since the date of such  modification  if that interest rate reduction
is not made permanent thereafter.

        Repurchase Event: As defined in the Assignment Agreement.

        Request  for  Release:  A  request  for  release,  the  form of which is
attached as Exhibit G hereto,  or an electronic  request in a form acceptable to
the Custodian.

                                       48
<PAGE>

        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  Overcollateralization  Amount: An amount equal to 0.50% of the
Cut-off  Date  Balance  of  the  Mortgage  Loans,   which  amount  is  equal  to
$1,625,000.11.

        Residential  Funding:   Residential  Funding  Corporation,   a  Delaware
corporation,  in its capacity as seller of the Mortgage  Loans to the  Depositor
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 with direct responsibility for the administration of this Agreement.

        Rolling Six-Month  Delinquency  Ratio: As of any Distribution  Date, the
fraction,  expressed as a  percentage,  equal to the average of the  Delinquency
Ratio for each of the six (or one, two, three,  four and five in the case of the
first, second, third, fourth and fifth Distribution Dates) immediately preceding
Due Periods.

        Rule 144A: Rule 144A under the Securities Act of 1933, as in effect from
time to time.

        Seller:  As to any Mortgage Loan, a Person,  including any  Subservicer,
that executed a Seller's Agreement applicable to such Mortgage Loan.

        Seller's  Agreement:  An  agreement  for  the  origination  and  sale of
Mortgage  Loans  generally  in the form of the Seller  Contract  referred  to or
contained in the Program  Guide,  or in such other form as has been  approved by
the Master Servicer and the Depositor.

        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  or a  Subservicer  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, (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,  (iv) any mitigation procedures implemented
in accordance with Section 3.07, and (v) compliance  with the obligations  under
Sections 3.01, 3.08, 3.12(a) and 3.14, including,  if the Master Servicer or any
Affiliate  of the Master  Servicer  provides  services  such as  appraisals  and
brokerage services that are customarily provided by Persons other than servicers
of mortgage loans, reasonable compensation for such services.

        Servicing Fee: With respect to any Mortgage Loan and Distribution  Date,
the fee payable  monthly to the Master  Servicer in respect of master  servicing

                                       49
<PAGE>

compensation  that  accrues at an annual  rate equal to the  Servicing  Fee Rate
multiplied  by the  Stated  Principal  Balance of such  Mortgage  Loan as of the
related  Due Date in the related  Due  Period,  as may be  adjusted  pursuant to
Section  3.16(e),  and as may be  adjusted  with  respect  to  successor  Master
Servicers pursuant to Section 7.02.

        Servicing Fee Rate:  The per annum rate  designated on the Mortgage Loan
Schedule as the "MSTR SERV FEE," 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,  any extension of the final
maturity  date of a Mortgage  Loan,  and any  increase  to the Stated  Principal
Balance of a  Mortgage  Loan by adding to the Stated  Principal  Balance  unpaid
principal and interest and other amounts owing under the Mortgage  Loan, in each
case pursuant to a modification  of a Mortage Loan that is in default or, in the
judgment of the Master Servicer, default is reasonably foreseeable 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 and the Insurer by the Master  Servicer,  as such list may from time
to time be amended.

        Servicing Trigger : As of any Distribution Date, for purposes of Section
7.05, "Servicing Trigger;  Removal of Master Servicer," the occurrence of any of
the following scenarios:

        (i) the  aggregate  Realized  Losses  on the  Mortgage  Loans  since the
        Cut-off Date exceed (a) with respect to the September 2005  Distribution
        Date through and including the March 2006  Distribution  Date,  5.50% of
        the  Cut-off  Date   Balance,   (b)  with  respect  to  the  April  2006
        Distribution  Date  through and  including  the March 2007  Distribution
        Date,  6.60% of the Cut-off Date Balance,  (c) with respect to the April
        2007 Distribution Date through and including the March 2008 Distribution
        Date,  7.40% of the Cut-off  Date  Balance  and (d) with  respect to the
        April 2008  Distribution  Date and all  Distribution  Dates  thereafter,
        9.00% of the Cut-off Date Balance; or

        (ii) the Rolling Six-Month  Delinquency Ratio for such Distribution Date
        exceeds 13.75%.

        Sixty-Plus  Delinquency  Percentage:  With  respect to any  Distribution
Date, the fraction, expressed as a percentage, equal to (x) the aggregate Stated
Principal  Balance of the Mortgage Loans that are 60 or more days  delinquent in
payment of principal and interest for that Distribution Date, including Mortgage
Loans in foreclosure and REO Properties, over (y) the aggregate Stated Principal
Balance of all of the Mortgage Loans  immediately  preceding  that  Distribution
Date.

        Special Hazard Amount:  As of any Distribution  Date, an amount equal to
$3,250,000,  minus the sum of (i) the aggregate  amount of Special Hazard Losses
allocated to the Mortgage Loans through Subordination in accordance with Section
4.05 and  (ii)  the  Adjustment  Amount  (as  defined  below)  as most  recently
calculated.  For each  anniversary of the Cut-off Date, the "Adjustment  Amount"

                                       50
<PAGE>

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
that 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 (A) the  product  of the  Special  Hazard
Percentage for such anniversary  multiplied by the outstanding principal balance
of all the Mortgage Loans on the Distribution  Date  immediately  preceding such
anniversary and (B) 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.

        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 obtain written  approval
from the  Insurer  and obtain  confirmation  from each  Rating  Agency that such
reduction  shall  not  reduce  the  rating  assigned  to the Class A and Class M
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 without,  with respect to the Class A-1  Certificates,  taking the Policy
into account.

        Special  Hazard Loss:  Any Realized  Loss not in excess of the lesser of
the cost of repair or the cost of replacement of a Mortgaged  Property  suffered
by such Mortgaged Property 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.

        Special Hazard  Percentage:  As of each anniversary of the Cut-off Date,
the greater of (i) 1.0% and (ii) the largest percentage obtained by dividing the
aggregate   outstanding   principal   balance  (as  of   immediately   preceding
Distribution Date) of the Mortgage Loans secured by Mortgaged Properties located
in a  single,  five-digit  zip  code  area in the  State  of  California  by the
outstanding  principal  balance of all the Mortgage Loans as of the  immediately
preceding Distribution Date.

     Standard & Poor's:  Standard & Poor's Ratings  Services,  a Division of The
McGraw-Hill Companies, Inc., or its successor in interest.

        Startup Date: The day designated as such pursuant to Article X hereof.

        Stated Principal  Balance:  With respect to any Mortgage Loan or related
REO Property,  at any given time,  (i) the sum of (a) the Cut-off Date Principal
Balance of the Mortgage  Loan plus (b) any amount by which the Stated  Principal
Balance  of the  Mortgage  Loan  has  been  increased  pursuant  to a  Servicing
Modification,  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

                                       51
<PAGE>

Period ending with the Due Period relating 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.

        Stepdown  Date:  The  earlier to occur of (x) the  Distribution  Date on
which the aggregate  Certificate  Principal  Balance of the Class A Certificates
has been reduced to zero and (y) the later to occur of (1) the Distribution Date
in  April  2006 and (2) the  first  Distribution  Date on  which  the sum of the
aggregate  Certificate  Principal  Balance of the Class M  Certificates  and the
Overcollateralization  Amount  immediately  prior to that  Distribution  Date is
equal to or greater than 24.00% of the aggregate Stated Principal Balance of the
Mortgage  Loans  after  giving  effect  to  distributions  to be  made  on  that
Distribution Date.

        Subordination:  The provisions described in Section 4.05 relating to the
allocation of Realized Losses other than on a pro rata basis.

        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 Depositor.

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<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 with respect to each  Distribution  Date at an annual rate designated as
"SUBSERV FEE" in Exhibit F.

        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 REMIC I,  REMIC II and  REMIC  III due to their  classification  as
REMICs 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.

        Telerate Screen Page 3750:  As defined in Section 1.02.

     Transfer: Any direct or indirect transfer,  sale, pledge,  hypothecation or
other form of assignment of any Ownership Interest in a Certificate.

        Transfer Affidavit and Agreement: As defined in Section 5.02(e).

     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.

     Trigger   Event:  A  Trigger  Event  is  in  effect  with  respect  to  any
Distribution  Date  on or  after  the  Stepdown  Date  if any  of the  following
conditions are met:

               (i) the  average of the  Sixty-Plus  Delinquency  Percentage,  as
        determined on that Distribution  Date and the immediately  preceding two
        Distribution Dates, exceeds 8.00%;

               (ii)  if  the   Distribution   Date  is   occurring   before  the
        Distribution  Date in April  2007,  the  aggregate  amount  of  Realized
        Losses,  other than  Excess  Losses,  on the  Mortgage  Loans  since the
        Cut-off Date exceeds 2.80% of the aggregate Stated Principal  Balance of
        the Mortgage Loans as of the Cut-off Date;

               (iii) if the  Distribution  Date is  occurring  on or  after  the
        Distribution  Date in April  2007 and before  the  Distribution  Date in
        April 2008, the aggregate amount of Realized  Losses,  other than Excess
        Losses,  on the Mortgage  Loans since the Cut-off Date exceeds  3.00% of
        the aggregate Stated  Principal  Balance of the Mortgage Loans as of the
        Cut-off Date; or

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<PAGE>

               (iv)  if the  Distribution  Date is  occurring  on or  after  the
        Distribution  Date in April  2008,  the  aggregate  amount  of  Realized
        Losses,  other than  Excess  Losses,  on the  Mortgage  Loans  since the
        Cut-off Date exceeds 3.25% of the aggregate Stated Principal  Balance of
        the Mortgage Loans as of the Cut-off Date.

        Trust Fund: Collectively, the assets of REMIC I, REMIC II and REMIC III.
        ----------

        Uncertificated  Accrued  Interest:  With  respect to any  Uncertificated
Regular Interest for any Distribution  Date, one month's interest at the related
Uncertificated  Pass-Through  Rate for such  Distribution  Date,  accrued on the
Uncertificated   Principal  Balance  or   Uncertificated   Notional  Amount,  as
applicable,  immediately prior to such Distribution Date. Uncertificated Accrued
Interest for the Uncertificated Regular Interests shall accrue on the basis of a
360-day year consisting of twelve 30-day months. For purposes of calculating the
amount of Uncertificated  Accrued Interest for the REMIC I Regular Interests for
any  Distribution  Date, any Prepayment  Interest  Shortfalls (to the extent not
covered  by  Compensating  Interest)  relating  to the  Mortgage  Loans  for any
Distribution Date shall be allocated first pro rata to REMIC I Regular Interests
LTB to the same  extent as such  shortfalls  are  allocated  to the  Class  A-IO
Certificates and any such shortfalls  remaining shall then be allocated to REMIC
I Regular  Interest  LTA, in each case to the extent of one month's  interest at
the then applicable  respective  Uncertificated REMIC I Pass-Through Rate on the
respective  Uncertificated Principal Balance of each such Uncertificated REMIC I
Regular  Interest.  For  purposes of  calculating  the amount of  Uncertificated
Accrued Interest for the REMIC II Regular  Interests for any Distribution  Date,
any Prepayment  Interest  Shortfalls (to the extent not covered by  Compensating
Interest)  relating to the  Mortgage  Loans for any  Distribution  Date shall be
allocated first, to Uncertificated  Accrued Interest payable to REMIC II Regular
Interests  LTA-IO to the same extent as such  shortfalls  are  allocated  to the
Class A-IO  Certificates,  and  thereafter  any  remaining  Prepayment  Interest
Shortfalls (to the extent not covered by Compensating  Interest) relating to the
Mortgage  Loans for any  Distribution  Date  shall be  allocated  among  REMIC I
Regular Interests LT1, LT2, LT3 and LT4 pro rata based on, and to the extent of,
Uncertificated  Accrued  Interest,  as calculated  without  application  of this
sentence.  Uncertificated  Interest on REMIC III Regular Interest SB-PO shall be
zero.  Uncertificated  Interest on the REMIC III Regular Interest SB-IO for each
Distribution  Date shall equal  Accrued  Certificate  Interest  for the Class SB
Certificates.

        Uncertificated  Notional  Amount:  With  respect to any REMIC II Regular
Interest  LTA-IO and any  Distribution  Date on or prior to the Latest  Possible
Maturity Date  therefor,  the  Uncertificated  Principal  Balance of the related
REMIC I Regular Interest LTB for such  Distribution  Date. With respect to REMIC
III Regular Interest SB-IO, the Notional Amount for such Class.

     Uncertificated  Pass-Through Rate: The Uncertificated  REMIC I Pass-Through
Rate or Uncertificated REMIC II Pass-Through Rate.

        Uncertificated   Principal   Balance:   The  principal   amount  of  any
Uncertificated  Regular  Interest  (other  than the REMIC II  Regular  Interests
LTA-IO)  outstanding  as  of  any  date  of  determination.  The  Uncertificated
Principal  Balance of each REMIC Regular Interest shall never be less than zero.
The REMIC II Regular Interests LTA-IO will not have an Uncertificated  Principal
Balance. With respect to the REMIC III Regular Interest SB-PO the initial amount
set forth  with  respect  thereto  in the  Preliminary  Statement  as reduced by
distributions  deemed  made in respect  thereof  pursuant  to  Section  4.02 and
Realized Losses allocated thereto pursuant to Section 4.05.

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<PAGE>

     Uncertificated  Regular  Interests:  The REMIC I Regular  Interests and the
REMIC II Regular Interests.

        Uncertificated   REMIC  I  Pass-Through   Rate:   With  respect  to  any
Distribution  Date, a per annum rate equal to the Weighted  Average Net Mortgage
Rate.

        Uncertificated REMIC II Pass-Through Rate:

               (a) With  respect to REMIC II Regular  Interest  LT1 and REMIC II
        Regular Interest LT2, and any Distribution  Date, a per annum rate equal
        to the Net WAC Rate;  with respect to REMIC II Regular  Interest LT3 and
        any  Distribution  Date,  0.00%;  and with  respect  to REMIC II Regular
        Interest LT4 and any Distribution  Date, a per annum rate equal to twice
        the Net WAC Rate.

               (b) With respect to each REMIC II Regular Interest LTA-IO and the
        Distribution  Dates on or prior to its Latest  Possible  Maturity  Date,
        5.75% per annum or the  Uncertificated  REMIC I  Pass-Through  Rate,  if
        less, and with respect to each REMIC II Regular  Interest LTA-IO and any
        Distribution  Date after its Latest  Possible  Maturity Date,  0.00% per
        annum.

        Uniform Single  Attestation  Program for Mortgage  Bankers:  The Uniform
Single  Attestation  Program for Mortgage Bankers,  as published by the Mortgage
Bankers  Association  of America and  effective  with respect to fiscal  periods
ending on or after December 15, 1995.

        Uninsured  Cause:  Any cause of damage to property subject to a Mortgage
such that the complete restoration of such property is not fully reimbursable by
the hazard insurance policies.

        United  States  Person:  A citizen or resident of the United  States,  a
corporation,   partnership  or  other  entity   (treated  as  a  corporation  or
partnership for United States federal income tax purposes)  created or organized
in, or under the laws of, the United States, any state thereof,  or the District
of  Columbia  (except in the case of a  partnership,  to the extent  provided in
Treasury  regulations) provided that, for purposes solely of the restrictions on
the transfer of Class R Certificates,  no partnership or other entity treated as
a partnership  for United States federal income tax purposes shall be treated as
a  United  States  Person  unless  all  persons  that  own an  interest  in such
partnership  either directly or through any entity that is not a corporation for
United  States  federal  income tax  purposes  are  required  by the  applicable
operative  agreement to be United States Persons, or an estate that is described
in Section  7701(a)(30)(D)  of the Code, or a trust that is described in Section
7701(a)(30)(E) of the Code.

        Voting  Rights:  The  portion  of  the  voting  rights  of  all  of  the
Certificates  which is allocated to any Certificate.  96.5% of all of the Voting
Rights shall be allocated among Holders of the Class A Certificates  (other than
the Class A-IO Certificates) and the Class M Certificates,  in proportion to the
outstanding  Certificate  Principal  Balances of their respective  Certificates;

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<PAGE>

1.0% of all of the Voting  Rights  shall be  allocated  among the Holders of the
Class A-IO  Certificates;  1.0% of all of the Voting  Rights  shall be allocated
among the Holders of the Class SB  Certificates;  0.5%,  0.5% and 0.5% of all of
the Voting Rights shall be allocated  among the Holders of the Class R-I,  Class
R-II and Class R-III  Certificates,  respectively;  in each case to be allocated
among  the  Certificates  of such  Class in  accordance  with  their  respective
Percentage Interest.

        Weighted  Average Net Mortgage  Rate:  With respect to any  Distribution
Date, a per annum rate equal to the weighted  average of the Net Mortgage  Rates
(or, if  applicable,  the Modified Net  Mortgage  Rates) on the Mortgage  Loans,
weighted  on the  basis of the  respective  Stated  Principal  Balances  thereof
immediately preceding such Distribution Date

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<PAGE>

                                   ARTICLE II

                          CONVEYANCE OF MORTGAGE LOANS;
                        ORIGINAL ISSUANCE OF CERTIFICATES

Section 2.01   Conveyance of Mortgage Loans.

(a) The Depositor,  concurrently  with the execution and delivery  hereof,  does
hereby assign to the Trustee without recourse all the right,  title and interest
of the  Depositor  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 in
the month of the Cut-off Date).

(b) In connection with such  assignment,  except as set forth in Section 2.01(c)
below and subject to Section  2.01(d)  below,  the Depositor 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) with
respect to each Mortgage 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) 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 original 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 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;

(c) The Depositor  may, in lieu of delivering  the original of the documents set
forth  in  Section  2.01(b)(ii),  (iii),  (iv)  and (v) (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

                                       57
<PAGE>

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
each of the documents or instruments  set forth in Section  2.01(b)(ii),  (iii),
(iv) and (v) (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.

        On the Closing Date,  the Master  Servicer  shall certify that it has in
its  possession  an  original  or copy of each of the  documents  referred to in
Section  2.01(b)(ii),  (iii), (iv) and (v) which has been delivered to it by the
Depositor.

(d)  Notwithstanding  the  provisions of Section  2.01(c),  in the event that in
connection with any Mortgage Loan, if the Depositor  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 Depositor 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 Depositor  shall  promptly  cause to be recorded in the  appropriate
public office for real  property  records the  Assignment  referred to in clause
(iii) of Section 2.01(b),  except (a) in states where, in the opinion of counsel
acceptable to the Trustee,  the Insurer and the Master Servicer,  such recording
is not required to protect the  Trustee's  interests in the 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  Residential
Funding and its  successors  and assigns.  If any Assignment is lost or returned
unrecorded to the Depositor  because of any defect therein,  the Depositor shall
prepare a substitute  Assignment  or cure such  defect,  as the case may be, and
cause such  Assignment to be recorded in  accordance  with this  paragraph.  The
Depositor shall promptly  deliver or cause to be delivered to the Trustee or the
respective  Custodian  such Mortgage or Assignment (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).

        If the Depositor  delivers to the Trustee or Custodian any Mortgage Note
or Assignment  of Mortgage in blank,  the  Depositor  shall,  or shall cause the
Custodian to,  complete the  endorsement of the Mortgage Note and the Assignment
of  Mortgage  in the  name  of the  Trustee  in  conjunction  with  the  Interim
Certification issued by the Custodian, as contemplated by Section 2.02.

        Any of the items set forth in Sections 2.01(b)(ii),  (iii), (iv) and (v)

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<PAGE>

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  Depositor  further  agrees  that  it will  cause,  at the
Depositor'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
Depositor 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 Depositor  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) It is intended that the  conveyances  by the Depositor to the Trustee of the
Mortgage  Loans as  provided  for in this  Section  2.01 and the  Uncertificated
Regular  Interests be construed as a sale by the Depositor to the Trustee of the
Mortgage Loans and the  Uncertificated  Regular Interests for the benefit of the
Certificateholders.  Further,  it is not intended  that any such  conveyance  be
deemed  to be a pledge of the  Mortgage  Loans  and the  Uncertificated  Regular
Interests by the  Depositor to the Trustee to secure a debt or other  obligation
of the Depositor.  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  conveyances  provided  for in this Section 2.01 shall be
deemed to be (1) a grant by the Depositor to the Trustee of a security  interest
in all of the Depositor's  right  (including the power to convey title thereto),
title and interest,  whether now owned or hereafter acquired,  in and to (A) the
Mortgage Loans, including the related Mortgage Note, the Mortgage, 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  Regular  Interests  and 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 foregoing, and 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  Depositor  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 Depositor 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

                                       59
<PAGE>

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 Depositor and, at the Depositor'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
deemed  to  create  a  security   interest  in  the   Mortgage   Loans  and  the
Uncertificated  Regular  Interests and the other property  described above, 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 this  Agreement.  Without  limiting  the  generality  of the  foregoing,  the
Depositor  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, with a copy delivered to the Insurer, at the expense of
the  Depositor,  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 the  Uncertificated  Regular  Interests,  as evidenced by an
Officers  Certificate  of  the  Depositor,   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  Depositor  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
Depositor,  (3) any  transfer  of any  interest  of  Residential  Funding or the
Depositor  in any  Mortgage  Loan  or  (4)  any  transfer  of  any  interest  of
Residential Funding or the Depositor in any Uncertificated Regular Interests.

Section 2.02   Acceptance by Trustee.

        The Trustee  acknowledges  receipt (or,  with respect to Mortgage  Loans
subject  to  a  Custodial  Agreement,   and  based  solely  upon  a  receipt  or
certification executed by the Custodian,  receipt by the respective Custodian as
the duly appointed agent of the Trustee) of the documents referred to in Section
2.01(b)(i)  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,   in  trust  for  the  use  and   benefit  of  all   present  and  future
Certificateholders.  The Custodian  (such  Custodian  being so obligated under a
Custodial  Agreement)  agrees,  for the  benefit of  Certificateholders  and the
Insurer,  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  Depositor  or the Master  Servicer,  the  Trustee  shall

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<PAGE>

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 or cause the Custodian to so notify the Master
Servicer and the Depositor  with a copy of such notice to the Insurer.  Pursuant
to Section 2.3 of the Custodial Agreement,  the Custodian will notify the Master
Servicer,  the  Depositor,  the Insurer 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 in the related  Mortgage
Loan  of the  Certificateholders  or the  Insurer,  the  Master  Servicer  shall
promptly notify the related Seller or Subservicer of such omission or defect and
request that such Seller or Subservicer  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  Seller or  Subservicer  does not  correct or cure such
omission or defect within such period, that such Seller or Subservicer  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 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 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 and Section 2.04, if the Seller or the
Subservicer  that  repurchases the Mortgage Loan is not a member of MERS and the
Mortgage is registered on the MERS(R) System,  the Master  Servicer,  at its own
expense and without anY right of reimbursement,  shall cause MERS to execute and
deliver an  assignment  of the  Mortgage  in  recordable  form to  transfer  the
Mortgage from MERS to such Seller or the Subservicer or Residential  Funding 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,  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,  the Insurer or the Trustee
on behalf of  Certificateholders  (except  for the  Insurer's  rights  under the
Insurance Agreement).

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<PAGE>

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

(a) The Master  Servicer  hereby  represents and warrants to the Trustee for the
benefit of the Certificateholders and the Insurer 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 Depositor,  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;

(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  Depositor,  any  Affiliate of the  Depositor 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;

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<PAGE>

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

(i) The  information set forth in Exhibit F 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  respective  date or dates which such  information  is
furnished;

(ii)  Immediately  prior to the conveyance of the Mortgage Loans to the Trustee,
the  Depositor  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  conveyance  validly
transfers  ownership of the Mortgage  Loans to the Trustee free and clear of any
pledge, lien, encumbrance or security interest; and

(iii)  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).

        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.

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<PAGE>

        Upon  discovery  by any of  the  Depositor,  the  Master  Servicer,  the
Insurer,  the Trustee or any Custodian of a breach of any of the representations
and warranties set forth in this Section 2.03(b) which  materially and adversely
affects the interests of the  Certificateholders  or the Insurer in any Mortgage
Loan, the party  discovering such breach shall give prompt written notice to the
other parties  (including the Insurer) (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)(iii),  the  party
discovering  such breach shall give such notice  within five days of  discovery.
Within  90 days of its  discovery  or its  receipt  of  notice  of  breach,  the
Depositor  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  Depositor  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,  substitution  or repurchase must occur within 90 days from
the date such breach was discovered.  Any such substitution shall be effected by
the  Depositor  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 Depositor 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  Depositor  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 Residential Funding.

        The Depositor,  as assignee of Residential  Funding under the Assignment
Agreement,   hereby   assigns   to  the   Trustee   for  the   benefit   of  the
Certificateholders  all of its  right,  title and  interest  in  respect  of the
Assignment  Agreement  applicable to a Mortgage Loan.  Insofar as the Assignment
Agreement  relates 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 Depositor, the
Master Servicer, the Trustee, the Insurer or any Custodian of a breach of any of
the representations and warranties made or assigned in the Assignment  Agreement
in respect of any Mortgage Loan or of any Repurchase  Event which materially and
adversely affects the interests of the Certificateholders or the Insurer in such
Mortgage  Loan,  the party  discovering  such breach  shall give prompt  written
notice to the other  parties  (including  the Insurer) (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 or Repurchase Event and request that such Seller or Residential  Funding,
as the case may be,  either  (i) cure  such  breach or  Repurchase  Event in all
material  respects within 90 days from the date the Master Servicer was notified
of such breach or Repurchase  Event 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 or Repurchase  Event 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 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

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<PAGE>

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
and the Insurer  with  respect to such  Qualified  Substitute  Mortgage  Loan or
Loans, the original  Mortgage Note, the Mortgage,  an Assignment of the Mortgage
in recordable  form, 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 for the benefit of the  Certificateholders  and the
Insurer  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 to the Trustee.  Upon
such  substitution,  the  Qualified  Substitute  Mortgage Loan or Loans shall be
subject to the terms of this Agreement and the related Subservicing Agreement in
all  respects,  and  Residential  Funding  shall  be  deemed  to have  made  the
representations and warranties with respect to the Qualified Substitute Mortgage
Loan  contained  in  Section 4 of the  Assignment  Agreement,  as of the date of
substitution,  and the  covenants,  representations  and warranties set forth in
this Section 2.04, and 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 and the  Insurer 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 REMIC I, REMIC II or REMIC III to fail to qualify as a REMIC
at any time that any Certificate is outstanding.

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<PAGE>

        It is  understood  and agreed  that the  obligation  of the  Residential
Funding to cure such breach or purchase or 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  the  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 right, title
and interest in respect of the Assignment  Agreement applicable to such Mortgage
Loan.

Section  2.05  Execution  and  Authentication  of  Certificates;  Conveyance  of
     Uncertificated REMIC Regular Interests.

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

(b) The Depositor,  concurrently  with the execution and delivery  hereof,  does
hereby transfer,  assign,  set over and otherwise convey in trust to the Trustee
without  recourse all the right,  title and interest of the  Depositor in and to
the REMIC I Regular  Interests  for the  benefit of the  Holders of the REMIC II
Regular  Interests and the Holders of the Class R-II  Certificates.  The Trustee
acknowledges receipt of the REMIC I Regular Interests (which are uncertificated)
and declares that it holds and will hold the same in trust for the exclusive use
and benefit of the Holders of the REMIC II Regular  Interests and Holders of the
Class R-II Certificates. The interests evidenced by the Class R-II Certificates,
together with the REMIC II Regular  Interests,  constitute the entire beneficial
ownership interest in REMIC II.

(c) The Depositor,  concurrently  with the execution and delivery  hereof,  does
hereby transfer,  assign,  set over and otherwise convey in trust to the Trustee
without  recourse all the right,  title and interest of the  Depositor in and to
the REMIC II Regular  Interests  for the  benefit of the  holders of the Regular
Certificates and the Class R-III Certificates.  The Trustee acknowledges receipt
of the REMIC II Regular Interests (which are  uncertificated)  and declares that
it holds and will hold the same in trust for the  exclusive  use and  benefit of
the holders of the Regular  Certificates and the Class R-III  Certificates.  The
interests  evidenced by the Class R-III  Certificate,  together with the Regular
Certificates, constitute the entire beneficial ownership interest in REMIC III.

(d) In exchange for the REMIC I Regular Interests and REMIC II Regular Interests
and,  concurrently  with the assignment to the Trustee thereof,  pursuant to the
written  request of the Depositor  executed by an officer of the Depositor,  the
Trustee has  executed,  authenticated  and delivered to or upon the order of the
Depositor,  the Regular  Certificates  in  authorized  denominations  evidencing
(together with the Class R-III  Certificates)  the entire  beneficial  ownership
interest in REMIC III.

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<PAGE>

Section 2.06 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  Depositor  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  2.06 may not be amended,  without the consent of
the  Certificateholders  evidencing a majority of the aggregate Voting Rights of
the Certificates.

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<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,
following such procedures as it would employ in its good faith business judgment
and which are normal and usual in its general mortgage servicing activities, 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 is  appropriate  in its best
judgment to register  any  Mortgage  Loan on the  MERS(R)  System,  or cause the
removaL from the  registration  of any Mortgage Loan on the MERS(R)  System,  to
execute and deliver, oN behalf of the Trustee and the  Certificateholders or any
of them, any and all instruments of assignment and other comparable  instruments
with respect to such  assignment  or  re-recording  of a Mortgage in the name of
MERS,  solely as nominee for the Trustee and its  successors  and  assigns.  Any
expenses  incurred in  connection  with the actions  described in the  preceding

                                       68
<PAGE>

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 of REMIC I,
REMIC II or REMIC III to fail to qualify as a REMIC under the Code.  The Trustee
shall  furnish  the  Master  Servicer  with any  powers  of  attorney  and other
documents  necessary or appropriate to enable the Master Servicer to service and
administer  the Mortgage  Loans.  The Trustee shall not be liable for any action
taken by the Master  Servicer  or any  Subservicer  pursuant  to such  powers of
attorney.  In servicing and administering any Nonsubserviced  Mortgage Loan, the
Master  Servicer  shall,  to the extent not  inconsistent  with this  Agreement,
comply with the Program Guide as if it were the originator of such Mortgage Loan
and had retained the servicing  rights and  obligations in respect  thereof.  In
connection  with  servicing and  administering  the Mortgage  Loans,  the Master
Servicer and any Affiliate of the Master Servicer (i) may perform  services such
as appraisals and brokerage  services that are  customarily  provided by Persons
other than  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' Obligations; Special Servicing.

(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 shall be either (i) an institution the accounts
of which are  insured by the FDIC or (ii)  another  entity  that  engages in the
business of originating or servicing mortgage loans, and in either case shall be
authorized  to  transact  business  in the state or states in which the  related
Mortgaged  Properties  it is to  service  are  situated,  if and  to the  extent
required by applicable law to enable the  Subservicer to perform its obligations
hereunder and under the  Subservicing  Agreement,  and in either case shall be a
Freddie Mac, Fannie Mae or HUD approved mortgage servicer. 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

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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 by,
permitted by or consistent with the Program Guide and are not inconsistent  with
this Agreement and as the Master Servicer and the Subservicer have agreed.  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 or the Insurer.

(b) As part of its servicing activities hereunder,  the Master Servicer, for the
benefit of the Trustee,  the Insurer and the  Certificateholders,  shall use its
best reasonable efforts to enforce the obligations of each Subservicer under the
related  Subservicing  Agreement,  to the extent that the non-performance of any
such  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, 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.

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

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representations  and  warranties of the  Subservicer  which it replaces.  If the
Master  Servicer   enters  into  a  Subservicing   Agreement  with  a  successor
Subservicer,  the  Master  Servicer  shall use  reasonable  efforts  to have the
successor  Subservicer assume liability for the  representations  and warranties
made by the terminated Subservicer in respect of the related Mortgage Loans and,
in the event of any such  assumption  by the successor  Subservicer,  the Master
Servicer may, in the exercise of its business  judgment,  release the terminated
Subservicer from liability for such representations and warranties.

Section 3.04   Liability of the Master Servicer.
               --------------------------------

        Notwithstanding  any  Subservicing  Agreement,  any of the provisions of
this  Agreement  relating  to  agreements  or  arrangements  between  the Master
Servicer or a Subservicer or reference to actions taken through a Subservicer or
otherwise, the Master Servicer shall remain obligated and liable to the Trustee,
the Insurer and  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 Depositor 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 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
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) In the  event 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.

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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 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
or the Insurer  (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),  capitalize any amounts owing on the Mortgage Loan
by adding such amount to the outstanding principal balance 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. No such modification shall reduce the Mortgage Rate on a
Mortgage  Loan below  one-half of the Mortgage  Rate as in effect on the Cut-off
Date,  but not less than the sum of the rates at which the  Servicing  Fee,  the
Subservicing  Fee and the  Certificate  Insurer  Premium Rate accrue.  The final
maturity  date for any Mortgage  Loan shall not be extended  beyond the Maturity
Date. Also, the Stated  Principal  Balance of all Reportable  Modified  Mortgage
Loans subject to Servicing  Modifications (measured at the time of the Servicing
Modification  and after giving effect to any Servicing  Modification)  can be no
more than five percent of the aggregate  principal balance of the Mortgage Loans
as of the Cut-off  Date,  unless such limit is increased  from time to time with
the consent of the Rating Agencies and the Certificate Insurer. In addition, any
amounts owing on a Mortgage Loan added to the outstanding  principal  balance of
such Mortgage Loan must be fully  amortized over the term of such Mortgage Loan,
and such amounts may be added to the outstanding principal balance of a Mortgage
Loan only once during the life of such Mortgage Loan. Also, the addition of such

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amounts  described in the preceding  sentence shall be implemented in accordance
with the Program Guide and may be  implemented  only by  Subservicers  that have
been approved by the Master  Servicer for such purpose.  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  principal
balance  thereof by the original  Maturity  Date based on the original  Mortgage
Rate;  provided,  that such  reamortization  shall not be  permitted if it would
constitute a reissuance of the Mortgage Loan for federal income tax purposes.

(b) The Master  Servicer  shall  establish  and maintain a Custodial  Account in
which the Master  Servicer  shall  deposit or cause to be  deposited  on a daily
basis, except as otherwise  specifically provided herein, the following payments
and  collections  remitted by  Subservicers  or received by it in respect of the
Mortgage  Loans  subsequent  to the  Cut-off  Date  (other  than in  respect  of
principal and interest on the Mortgage Loans due on or before the Cut-off Date):

(i) All payments on account of principal,  including Principal  Prepayments made
by  Mortgagors  on  the  Mortgage  Loans  and  the  principal  component  of any
Subservicer  Advance or of any REO Proceeds  received in connection  with an REO
Property for which an REO Disposition has occurred;

(ii) All  payments on account of interest at the Adjusted  Mortgage  Rate on the
Mortgage Loans,  including 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, 4.07 or 4.08 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; and

(v) Any amounts  required to be  deposited  pursuant to Section  3.07(c) and any
payments or collections in the nature of prepayment charges.

        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  received prior to the Cut-off Date) and payments or collections
consisting  of 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

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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, 4.07 and 4.08 received in any calendar  month,  the Master Servicer
may elect to treat such amounts as included in the Available Distribution Amount
for the  Distribution  Date in the month of receipt,  but is not obligated to do
so. If the Master  Servicer so elects,  such amounts will be deemed to have been
received (and any related Realized Loss shall be deemed to have occurred) on the
last day of the month prior to the receipt thereof.

(c) The Master  Servicer  shall use its best  efforts  to cause the  institution
maintaining the Custodial  Account to invest the funds in the Custodial  Account
attributable to the Mortgage Loans in Permitted  Investments  which shall mature
not later than the  Certificate  Account Deposit Date next 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.

(d) The Master  Servicer  shall give notice to the Trustee,  the Insurer and the
Depositor  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,  the Insurer 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 late charges or  assumption  fees, or
payments  or  collections  received in the nature of  prepayment  charges to the
extent that the  Subservicer is entitled to retain such amounts  pursuant to the
Subservicing  Agreement.  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

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advance on such  scheduled  date of  remittance  amounts  equal to any scheduled
monthly installments of principal and interest less its Subservicing Fees on any
Mortgage  Loans for which  payment  was not  received by the  Subservicer.  This
obligation to advance with respect to each Mortgage Loan will continue up to and
including  the  first of the  month  following  the date on  which  the  related
Mortgaged  Property  is sold at a  foreclosure  sale or is acquired by the Trust
Fund by deed in lieu of foreclosure or otherwise.  All such advances received by
the Master Servicer shall be deposited promptly by it in the Custodial Account.

(b)  The  Subservicer  may  also  be  required,  pursuant  to  the  Subservicing
Agreement,  to remit to the Master Servicer for deposit in the Custodial Account
interest at the Adjusted  Mortgage  Rate (or Modified Net Mortgage Rate plus the
rate per annum at which the Servicing Fee and the  Certificate  Insurer  Premium
Modified Rate, if any,  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.

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Section 3.09  Access to Certain  Documentation  and  Information  Regarding  the
     Mortgage Loans.

        In the event that compliance with this Section 3.09 shall make any Class
of  Certificates  legal for  investment  by federally  insured  savings and loan
associations,  the Master Servicer shall provide,  or cause the  Subservicers to
provide,  to the Trustee,  the Office of Thrift  Supervision or the FDIC and the
supervisory  agents and examiners thereof access to the documentation  regarding
the Mortgage  Loans  required by applicable  regulations of the Office of Thrift
Supervision,  such access being afforded without charge but only upon reasonable
request and during normal business hours at the offices designated by the Master
Servicer. The Master Servicer shall permit such representatives to photocopy any
such  documentation  and shall  provide  equipment  for that purpose at a charge
reasonably approximating the cost of such photocopying to the Master Servicer.

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,  Servicing  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 the  related  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, 4.07 or 4.08)
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 a rate per annum equal to the Net Mortgage Rate (or
Modified Net  Mortgage  Rate in the case of a Modified  Mortgage  Loan) plus the
Certificate  Insurer  Premium  Modified  Rate  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;

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(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,  and any  amounts  remitted by  Subservicers  as interest in respect of
Curtailments pursuant to Section 3.08(b);

(vi) to pay to itself, a Subservicer,  Residential Funding, the Depositor 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,  4.08 or 9.01,  all
amounts   received   thereon   and   not   required   to   be   distributed   to
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,  and any Advance or Servicing  Advance made in connection with a modified
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 or  Servicing  Advance  was added to the Stated  Principal
Balance of the Mortgage Loan in a preceding calendar month;

(viii) to  reimburse  itself  or the  Depositor  for  expenses  incurred  by and
reimbursable to it or the Depositor  pursuant to Sections  3.01(a),  3.11, 3.13,
3.14(c), 6.03, 10.01 or otherwise;

(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,  including any payoff
fees or penalties or any other additional amounts payable to the Master Servicer
or Subservicer pursuant to the terms of the Mortgage Note.

(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

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determination.  Such  right of  reimbursement  in  respect  of a  Nonrecoverable
Advance  relating to an Advance pursuant to Section 4.04 on any such Certificate
Account  Deposit Date shall be limited to an amount not exceeding the portion of
such  advance  previously  paid  to  Certificateholders   (and  not  theretofore
reimbursed to the Master Servicer or the related Subservicer).

Section 3.11   Maintenance of Primary Insurance Coverage.
               -----------------------------------------

(a) The Master  Servicer shall not take, or permit any  Subservicer to take, any
action which would result in noncoverage 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 at origination 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 Master
Servicer had knowledge of such Primary  Insurance  Policy.  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,  the Insurer and  Certificateholders,  claims to the 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 fire
insurance  with  extended  coverage in an amount which is equal to the lesser of
the  principal  balance  owing  on  such  Mortgage  Loan or 100  percent  of the
insurable value of the improvements;  provided,  however, that such coverage may
not be less than the minimum amount required to fully compensate for any loss or
damage on a replacement cost basis. To the extent it may do so without breaching
the  related  Subservicing  Agreement,  the Master  Servicer  shall  replace any
Subservicer  that does not cause such insurance,  to the extent it is available,
to be  maintained.  The Master  Servicer  shall also cause to be  maintained  on
property  acquired  upon  foreclosure,  or deed in lieu of  foreclosure,  of any
Mortgage 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

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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
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 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).

        In the event  that 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, the Insurer
and Certificateholders, claims under any such blanket policy.

(b) The Master Servicer shall obtain and maintain at its own expense and keep in
full force and effect  throughout the term of this Agreement a blanket  fidelity
bond and an errors and omissions insurance policy covering the Master Servicer's
officers and employees and other persons acting on behalf of the Master Servicer
in connection with its activities  under this Agreement.  The amount of coverage
shall be at least equal to the coverage  that would be required by Fannie Mae or
Freddie Mac,  whichever is greater,  with respect to the Master  Servicer if the
Master Servicer were servicing and  administering  the Mortgage Loans for Fannie
Mae or Freddie  Mac.  In the event that 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,

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of the Program  Guide and  acceptable to the  Depositor.  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 or otherwise  adversely affect the
interests  of  the  Certificateholders  or  the  Insurer.   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 both constitute a "significant  modification"
effecting an exchange or  reissuance  of such  Mortgage  Loan under the Code (or
final,  temporary or proposed Treasury regulations  promulgated  thereunder) and
cause any of REMIC I, REMIC II or REMIC III to fail to qualify as a REMIC  under
the  Code  or  the  imposition  of  any  tax  on  "prohibited  transactions"  or
"contributions"  after the Startup Date under the REMIC  Provisions.  The Master
Servicer  shall  execute  and  deliver  such  documents  only  if it  reasonably
determines that (i) its execution and delivery thereof will not conflict with or
violate any terms of this  Agreement or cause the unpaid balance and interest on
the Mortgage  Loan to be  uncollectible  in whole or in part,  (ii) any required
consents of insurers  under any Required  Insurance  Policies have been obtained
and (iii) subsequent to the closing of the transaction  involving the assumption
or  transfer  (A) the  Mortgage  Loan will  continue  to be  secured  by a first

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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, the  buyer/transferee  of the Mortgaged Property
would be  qualified to assume the  Mortgage  Loan based on generally  comparable
credit  quality and 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  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 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 each of REMIC I,  REMIC II or REMIC III 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  Date  would be  imposed  on any of REMIC I,  REMIC II or REMIC III 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  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)  that  the  substance  of the  assignment  is,  and is  intended  to be,  a
refinancing of such Mortgage Loan and that the form of the transaction is solely

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to comply with, or facilitate the transaction under, such local laws; (iii) 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 (iv)  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.  Alternatively,  the Master  Servicer  may take other
actions in respect of a defaulted Mortgage Loan, which may include (i) accepting
a short sale (a payoff of the  Mortgage  Loan for an amount  less than the total
amount  contractually  owed in  order  to  facilitate  a sale  of the  Mortgaged
Property by the  Mortgagor) or permitting a short  refinancing  (a payoff of the
Mortgage  Loan for an amount less than the total  amount  contractually  owed in
order to facilitate  refinancing  transactions  by the Mortgagor not involving a
sale of the Mortgaged  Property),  (ii)  arranging for a repayment plan or (iii)
agreeing to a modification  in accordance  with Section 3.07. In connection with
such  foreclosure  or other  conversion or action,  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 or action 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 correction of any default on a related senior mortgage
loan, 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  or the  Insurer  after  reimbursement  to itself for such  expenses  or
charges  and (ii) that such  expenses  and  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 its funds so expended pursuant to Section 3.10.

        In addition,  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

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Custodian,  as the case may be, shall release to the Master Servicer the related
Mortgage  File and the Trustee  shall  execute and deliver such  instruments  of
transfer or  assignment  prepared by the Master  Servicer,  in each case without
recourse,  as shall be necessary to vest in the Master Servicer or its designee,
as the case may be, the related Mortgage Loan, and thereafter such Mortgage Loan
shall not be part of the Trust Fund.  Notwithstanding the foregoing or any other
provision of this  Agreement,  in the Master  Servicer's  sole  discretion  with
respect  to any  defaulted  Mortgage  Loan or REO  Property  as to either of the
following provisions, (i) a Cash Liquidation or REO Disposition may be deemed to
have occurred if substantially all amounts expected by the Master Servicer to be
received in connection with the related defaulted  Mortgage Loan or REO Property
have been  received,  and (ii) for  purposes  of  determining  the amount of any
Liquidation  Proceeds,  Insurance  Proceeds,  REO Proceeds or 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) In the event that 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) In the event that 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 and the Insurer, 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 each of REMIC I, REMIC II or REMIC III 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,  the Insurer 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 of REMIC I,  REMIC II or
REMIC III 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

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be entitled to be reimbursed  from the Custodial  Account for any costs incurred
in   obtaining   such  Opinion  of  Counsel,   as  provided  in  Section   3.10.
Notwithstanding any other provision of this Agreement,  no REO Property acquired
by the Trust  Fund  shall be rented (or  allowed  to  continue  to be rented) or
otherwise used by or on behalf of the Trust Fund in such a manner or pursuant to
any  terms  that  would  (i)  cause  such REO  Property  to fail to  qualify  as
"foreclosure  property" within the meaning of Section  860G(a)(8) of the Code or
(ii)  subject  REMIC I, REMIC II or REMIC III 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 in the  related Due Period
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 G, or, in the case

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of the Custodian,  an electronic  request in a form acceptable to the Custodian,
requesting   delivery  to  it  of  the  Mortgage  File.  Upon  receipt  of  such
certification  and request,  the Trustee shall  promptly  release,  or cause the
Custodian to release,  the related  Mortgage  File to the Master  Servicer.  The
Master  Servicer  is  authorized  to execute and  deliver to the  Mortgagor  the
request for  reconveyance,  deed of  reconveyance  or release or satisfaction of
mortgage or such  instrument  releasing the lien of the Mortgage,  together with
the Mortgage Note with, as appropriate, written evidence of cancellation thereon
and to cause the removal  from the  registration  on the MERS(R)  System of such
Mortgage  and to  execute  and  deliver,  on  behalf  oF  the  Trustee  and  the
Certificateholders  or any of them, any and all  instruments of  satisfaction or
cancellation  or of  partial  or full  release,  including  any  applicable  UCC
termination  statements.  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 G  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

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shall deliver to the Trustee a  certificate  of a Servicing  Officer  requesting
that such pleadings or documents be executed by the Trustee and certifying as to
the reason such  documents or pleadings  are required and that the execution and
delivery thereof by the Trustee will not invalidate any insurance coverage under
any Required  Insurance Policy or invalidate or otherwise affect the lien of the
Mortgage,  except  for the  termination  of such a lien upon  completion  of the
foreclosure or trustee's sale.

Section 3.16   Servicing and Other Compensation; Compensating Interest.
               -------------------------------------------------------

(a) The Master Servicer, as compensation for its activities hereunder,  shall be
entitled  to receive  on each  Distribution  Date the  amounts  provided  for by
clauses  (iii),  (iv),  (v) and (vi) of Section  3.10(a),  subject to clause (e)
below. The amount of servicing  compensation  provided for in such clauses shall
be accounted for on a Mortgage  Loan-by-Mortgage  Loan basis.  In the event that
Liquidation  Proceeds,  Insurance  Proceeds  and REO  Proceeds  (net of  amounts
reimbursable  therefrom  pursuant to Section  3.10(a)(ii))  in respect of a Cash
Liquidation  or REO  Disposition  exceed  the unpaid  principal  balance of such
Mortgage  Loan plus  unpaid  interest  accrued  thereon  (including  REO Imputed
Interest)  at a per annum rate equal to the  related Net  Mortgage  Rate (or the
Modified Net  Mortgage  Rate in the case of a Modified  Mortgage  Loan) plus the
Certificate Insurer Premium Modified Rate, 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 late  payment  charges,
assumption fees,  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.

(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  clauses  (a)  and  (b)  above,  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(c), respectively. In making such reduction,
the Master  Servicer  shall not  withdraw  from the  Custodial  Account any such

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amount  representing  all or a  portion  of the  Servicing  Fee to  which  it is
entitled pursuant to Section 3.10(a)(iii);  and (ii) shall 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(c).  With respect to any Distribution  Date,
Compensating  Interest  shall be used on such  Distribution  Date to  cover  any
Prepayment Interest Shortfalls on the Mortgage Loans.

Section 3.17 Reports to the Trustee and the Depositor.

        Not later than fifteen  days after each  Distribution  Date,  the Master
Servicer  shall  forward  to the  Trustee,  the  Insurer  and  the  Depositor  a
statement,  certified by a Servicing  Officer,  setting  forth the status of the
Custodial  Account as of the close of business on such  Distribution  Date as it
relates  to the  Mortgage  Loans and  showing,  for the  period  covered by such
statement,  the  aggregate  of deposits  in or  withdrawals  from the  Custodial
Account in respect of the Mortgage Loans for each category of deposit  specified
in Section 3.07 and each category of withdrawal specified in Section 3.10.

Section 3.18   Annual Statement as to Compliance.
               ---------------------------------

        The Master  Servicer will deliver to the Depositor,  the Insurer and the
Trustee on or before the  earlier of (a) March 31 of each year,  beginning  with
the first March 31 that occurs at least six months after the Cut-off Date or (b)
with respect to any calendar year during which the Depositor's  annual report on
Form 10-K is required to be filed in  accordance  with the  Exchange Act and the
rules and regulations of the Commission,  the date on which the annual report on
Form 10-K is required to be filed in  accordance  with the  Exchange Act and the
rules and regulations of the Commission, 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 of its  performance  under the 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,   specifying  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 the  earlier of (a) March 31 of each year,  beginning  with
the first March 31 that occurs at least six months after the Cut-off Date or (b)
with respect to any calendar year during which the Depositor's  annual report on
Form 10-K is required to be filed in  accordance  with the  Exchange Act and the

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rules and regulations of the Commission,  the date on which the annual report on
Form 10-K is required to be filed in  accordance  with the  Exchange Act and the
rules and  regulations  of the  Commission,  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  Depositor,  the Insurer and the Trustee  stating its opinion  that,  on the
basis of an examination  conducted by such firm substantially in accordance with
standards established by the American Institute of Certified Public Accountants,
the  assertions  made  pursuant to Section 3.18  regarding  compliance  with the
minimum servicing  standards set forth in the Uniform Single Attestation Program
for Mortgage Bankers during the preceding calendar year are fairly stated in all
material respects,  subject to such exceptions and other qualifications that, in
the opinion of such firm, such  accounting  standards  require it to report.  In
rendering  such  statement,  such firm may rely,  as to matters  relating to the
direct servicing of mortgage loans by Subservicers,  upon comparable  statements
for examinations  conducted by independent public  accountants  substantially in
accordance  with standards  established  by the American  Institute of Certified
Public Accountants  (rendered within one year of such statement) with respect to
such Subservicers.

Section 3.20 Right of the Depositor in Respect of the Master Servicer.

        The Master Servicer shall afford the Depositor,  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 Depositor 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 Depositor or Residential  Funding.  The Insurer hereby
is so  identified.  The  Depositor  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  Depositor or its
designee.  The Depositor 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.

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                                   ARTICLE IV

                         PAYMENTS TO CERTIFICATEHOLDERS

Section 4.01   Certificate Account.

(a) The Master  Servicer  acting as agent 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),  4.07 or 4.08, (iv) any
amount  required to be paid pursuant to Section 9.01, (v) an amount equal to the
Certificate  Insurer Premium payable on such  Distribution  Date, (vi) all other
amounts  constituting  the  Available  Distribution  Amount for the  immediately
succeeding Distribution Date and (vii) any payments or collections in the nature
of prepayment charges received by the Master Servicer in respect of the Mortgage
Loans and the related Prepayment Period.

(b) On each Distribution Date, prior to making any other distributions  referred
to in Section 4.02  herein,  the Trustee  shall  withdraw  from the  Certificate
Account and pay to the Insurer, by wire transfer of immediately  available funds
to the Insurer Account,  the Certificate  Insurer Premium for such  Distribution
Date.

(c) 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  and the Insurer, which shall
mature 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 on such
Distribution  Date and (ii) any other investment may mature 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. 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.

Section 4.02   Distributions.

(a)            On each  Distribution  Date,  the Trustee (or the Paying Agent on
               behalf  of  the  Trustee)   shall  allocate  and  distribute  the
               Principal  Distribution  Amount and the Insured Payment,  if any,
               for such date to the interest issued in respect of REMIC I, REMIC
               II and REMIC III as specified in this Section.

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<PAGE>

(b)            (1) On each  Distribution  Date,  the following  amounts,  in the
               following  order of priority,  shall be distributed by REMIC I to
               REMIC II on account of the REMIC I Regular Interests:

(i)            first, (1) to the Holders of REMIC I Regular Interests LTB, in an
               amount equal to (A) the Uncertificated  Accrued Interest for such
               Distribution  Date,  plus  (B) any  amounts  in  respect  thereof
               remaining unpaid from previous  Distribution Dates and (2) to the
               Holders  of the REMIC I Regular  Interests  LTB,  any  prepayment
               charges  received  on  the  Mortgage  Loans  during  the  related
               Prepayment  Period; and second, (2) to Holders of REMIC I Regular
               Interest LTA in an amount equal to (A) the Uncertificated Accrued
               Interest  for such  Distribution  Date,  plus (B) any  amounts in
               respect  thereof  remaining  unpaid  from  previous  Distribution
               Dates; and

(ii)           to the Holders of REMIC I Regular  Interests,  in an amount equal
               to the  remainder of the Available  Distribution  Amount for such
               Distribution Date after the distributions made pursuant to clause
               (i) above, allocated in the following order of priority:

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<PAGE>

(A)            to the  Holders  of  REMIC I  Regular  Interest  LTA,  until  the
               Uncertificated  Principal Balance of REMIC I Regular Interest LTA
               is reduced to zero;

(B)            to the Holders of REMIC I Regular  Interests LTB  sequentially in
               the   order   of   their   numerical   designation,   until   the
               Uncertificated  Principal  Balance  of  each  successive  REMIC I
               Regular Interest LTB is reduced to zero; and

(C)            any   remaining   amount  to  the   Holders   of  the  Class  R-I
               Certificates.

        (2) On each Distribution Date, the following  amounts,  in the following
order of priority,  shall be  distributed by REMIC II to REMIC III on account of
the REMIC II Regular Interests:

               (i)  first,  (1) to the  extent  of  the  Available  Distribution
        Amount,  to the  Holders of REMIC II  Regular  Interests  LTA-IO,  in an
        amount  equal to (A)  their  Uncertificated  Accrued  Interest  for such
        Distribution  Date,  plus (B) any amounts in respect  thereof  remaining
        unpaid from previous  Distribution Dates and (2) pro rata to the Holders
        of the  REMIC  II  Regular  Interests  LTA-IO,  any  prepayment  charges
        received on the Mortgage Loans during the related Prepayment Period; and
        second,  (2) to the Holders of REMIC II Regular  Interest LT1,  REMIC II
        Regular Interest LT2, REMIC II Regular Interest LT3 and REMIC II Regular
        Interest  LT4, pro rata,  in an amount equal to(A) their  Uncertificated
        Accrued  Interest for such  Distribution  Date,  plus (B) any amounts in
        respect thereof remaining unpaid from previous Distribution Dates; and

               (ii) on each  Distribution  Date,  to the  Holders  of  REMIC  II
        Regular  Interests,  in an amount equal to the remainder of the proceeds
        relating to the REMIC I Regular Interests after the  distributions  made
        pursuant to clause (i) above,  allocated as follows  (except as provided
        below):

                      (A) to the Holders of the REMIC II Regular  Interest  LT2,
               REMIC II Regular  Interest LT3 and REMIC II Regular Interest LT4,
               their respective Principal Distribution Amounts;

                      (B) to the  Holders of the REMIC II Regular  Interest  LT1
               any remainder until the Uncertificated  Principal Balance thereof
               is reduced to zero;

                      (C) any  remainder  to the Holders of the REMIC II Regular
               Interest LT2, REMIC II Regular  Interest LT3 and REMIC II Regular
               Interest   LT4   pro   rata   according   to   their   respective
               Uncertificated Principal Balances as reduced by the distributions
               deemed  made  pursuant  to  (i)  above,  until  their  respective
               Uncertificated Principal Balances are reduced to zero; and

                      (D) any remaining amounts to the Holders of the Class R-II
               Certificates.

               (3)  Notwithstanding  the  distributions  on  the  REMIC  Regular
        Interests described in this Section 4.02(b),  distribution of funds from
        the  Certificate  Account shall be made only in accordance  with Section
        4.02(c).

(c) 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 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 with respect to
each Class of  Certificates,  shall be based on the aggregate of the  Percentage
Interests  represented  by  Certificates  of the  applicable  Class held by such
Holder of the following  amounts),  in the following order of priority,  in each
case to the extent of the sum of the  Available  Distribution  Amount and,  with
respect to the Class A-1  Certificates,  the Insured  Payment,  if any, for such
Distribution Date deposited in the Certificate Account:

(i) to the Class A  Certificateholders,  Accrued Certificate Interest payable on
such  Certificates  with  respect to such  Distribution  Date,  plus any Accrued
Certificate  Interest  remaining  unpaid from any prior  Distribution  Date (the
"Class A Interest  Distribution  Amount"),  with such amount allocated among the
Class A Certificateholders on a pro rata basis;

(ii) to the Class M-1  Certificateholders,  Accrued Certificate Interest payable
on such Certificates  with respect to such  Distribution  Date, plus any Accrued
Certificate  Interest  remaining  unpaid from any prior  Distribution  Date (the
"Class M-1 Interest Distribution Amount");

(iii) to the Class M-2 Certificateholders,  Accrued Certificate Interest payable
on such Certificates  with respect to such  Distribution  Date, plus any Accrued
Certificate  Interest  remaining  unpaid from any prior  Distribution  Date (the
"Class M-2 Interest Distribution Amount");

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(iv) to the Class M-3  Certificateholders,  Accrued Certificate Interest payable
on such Certificates  with respect to such  Distribution  Date, plus any Accrued
Certificate  Interest  remaining  unpaid from any prior  Distribution  Date (the
"Class M-3 Interest Distribution Amount");

(v) if such  Distribution Date is prior to the Stepdown Date, or on or after the
Stepdown Date if a Trigger Event is in effect, the Principal Distribution Amount
shall be  distributed  as follows,  in each case to the extent of the  remaining
Principal  Distribution  Amount and, with respect to the Class A-1 Certificates,
the Insured Payment, if any:

                      (A) first, to the Class A-1 Certificateholders,  until the
               Certificate  Principal  Balance of the Class A-1 Certificates has
               been reduced to zero;

                      (B) second, to the Class M-1 Certificateholders, until the
               Certificate  Principal  Balance of the Class M-1 Certificates has
               been reduced to zero;

                      (C) third, to the Class M-2 Certificateholders,  until the
               Certificate  Principal  Balance of the Class M-2 Certificates has
               been reduced to zero; and

                      (D) fourth, to the Class M-3 Certificateholders, until the
               Certificate  Principal  Balance of the Class M-3 Certificates has
               been reduced to zero.

(vi) if such  Distribution  Date is on or after the Stepdown  Date, so long as a
Trigger  Event is not in effect,  the  Principal  Distribution  Amount  shall be
distributed  as follows,  in each case to the extent of the remaining  Principal
Distribution Amount and, with respect to the Class A-1 Certificates, the Insured
Payment, if any:

                      (A) first, to the Class A-1 Certificateholders,  the Class
               A Principal  Distribution Amount, until the Certificate Principal
               Balance of the Class A-1 Certificates has been reduced to zero;

                      (B) second, to the Class M-1 Certificateholders, the Class
               M-1  Principal   Distribution   Amount,   until  the  Certificate
               Principal  Balance of the Class M-1 Certificates has been reduced
               to zero;

                      (C) third, to the Class M-2 Certificateholders,  the Class
               M-2  Principal   Distribution   Amount,   until  the  Certificate
               Principal  Balance of the Class M-2 Certificates has been reduced
               to zero; and

                      (D) fourth, to the Class M-3 Certificateholders, the Class
               M-3  Principal   Distribution   Amount,   until  the  Certificate
               Principal  Balance of the Class M-3 Certificates has been reduced
               to zero;

(vii) to the Insurer,  any Cumulative Insurance Payments as of such Distribution
Date;

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<PAGE>

(viii) to the Class A and Class M Certificateholders  on a pro rata basis, based
on  Accrued  Certificate  Interest  otherwise  due  thereon,  the  amount of any
Prepayment  Interest  Shortfalls  allocated thereto with respect to the Mortgage
Loans as described in Section 4.02(e), to the extent not covered by Compensating
Interest on such Distribution Date;

(ix) to the Class A and Class M Certificateholders on a pro rata basis, based on
unpaid Prepayment Interest Shortfalls  previously  allocated thereto, the amount
of any Prepayment  Interest  Shortfalls  previously  allocated thereto remaining
unpaid from prior  Distribution  Dates  together  with  interest  thereon at the
related Pass-Through Rate;

(x) to make  payments  to the  Class  A-1,  Class  M-1,  Class M-2 and Class M-3
Certificateholders,  in that order, the Net WAC Cap Shortfall for such Class and
that Distribution Date;

(xi) to make  payments  to the Class  A-1,  Class  M-1,  Class M-2 and Class M-3
Certificateholders,  in that  order,  the Net  WAC Cap  Shortfall  Carry-Forward
Amount for such Class and that Distribution Date;

(xii) to the Class SB  Certificates,  from the amount,  if any, of the Available
Distribution  Amount  remaining  after  the  foregoing  distributions,   Accrued
Certificate  Interest  thereon  and  the  amount  of  any  Overcollateralization
Reduction  Amount for such  Distribution  Date,  amounts payable to the Class SB
Certificateholders  pursuant to this clause (ix) being  deemed paid:  first,  in
respect  of  the  REMIC  III  Regular  Interest  SB-IO  in  respect  of  Accrued
Certificate  Interest  thereon for the current  Distribution  Date;  second,  in
respect of the REMIC III Regular  Interest  SB-PO in reduction of the  principal
balance  thereof until such principal  balance is reduced to zero; and third, in
respect of the REMIC III  Regular  Interest  SB-IO in respect of unpaid  Accrued
Certificate Interest thereon for prior Distribution Dates and in addition to the
foregoing  to the Class SB  Certificateholders,  the amount of any  payments  or
collections in the nature of prepayment  charges  received on the Mortgage Loans
by the Master Servicer in respect of the related Prepayment Period; and

(xiii)  to the  Class  R-I  Certificateholders,  the  balance,  if  any,  of the
Available Distribution Amount.

(d) [Reserved].

(e) Any Prepayment  Interest  Shortfalls  which are not covered by  Compensating
Interest  as  described  in  Section  3.16 and  Relief  Act  Shortfalls  will be
allocated among the Class A Certificates  and Class M Certificates on a pro rata
basis in accordance with the amount of Accrued  Certificate  Interest that would
have accrued on that  Certificate  absent these  shortfalls.  Any such uncovered
Prepayment   Interest  Shortfalls  will  be  paid  solely  pursuant  to  Section
4.02(c)(vii) and (viii), to the extent funds are available therefor.

(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 previously  allocated  Realized Loss is
reduced,  the amount of such  Subsequent  Recoveries will be applied to increase
the  Certificate   Principal  Balance  of  the  Class  of  Certificates  with  a
Certificate  Principal  Balance  greater  than  zero  with the  highest  payment
priority to which  Realized  Losses,  other than  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

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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.  Notwithstanding  the  foregoing,  the  Certificate  Principal
Balance of the Class A-1  Certificates  shall only be increased up to the amount
of Realized Losses previously  allocated to the Class A-1 Certificates that were
not  reimbursed  to the  Class A-1  Certificateholders  pursuant  to an  Insured
Payment.  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 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 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" or "indirect  participating  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 Insurer, the Depositor or the Master Servicer shall
have any responsibility  therefor except as otherwise provided by this Agreement
or applicable law.

(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 Insurer and the Trustee  shall,  no later than two (2)  Business
Days after such  Determination  Date,  mail on such date to each  Holder of such
Class of  Certificates a notice to the effect that: (i) the Trustee  anticipates
that the final  distribution  with respect to such Class of Certificates will be
made on such  Distribution Date but only upon presentation and surrender of such
Certificates at the office of the Trustee or as otherwise specified therein, and
(ii) no interest shall accrue on such Certificates from and after the end of the
prior calendar month. 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;  Statements to Rating  Agencies;
     Exchange Act Reports.

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(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  forward by mail or  otherwise  make  available
electronically  on its website at  www.jpmorgan.com/absmbs  to each Holder,  the
Depositor and the Insurer a statement setting forth the following information as
to each Class of Certificates, in each case to the extent applicable:

(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  with  respect to the
Mortgage Loans pursuant to Section 4.04;

(v) the number of Mortgage Loans and the Stated  Principal  Balance after giving
effect to the distribution of principal on such Distribution Date;

(vi)  the  aggregate  Certificate  Principal  Balance  or  Notional  Amount,  as
applicable,  of each  Class of the  Certificates,  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) on the basis of the most recent reports  furnished to it by  Subservicers,
(a) the number and  aggregate  principal  balances  of  Mortgage  Loans that are
Delinquent  (1) one month,  (2) two months and (3) three or more  months and the
number  and  aggregate   principal   balance  of  Mortgage  Loans  that  are  in
foreclosure,  (b) the number and aggregate  principal balances of Mortgage Loans
that are Reportable  Modified  Mortgage Loans that are Delinquent (1) one month,
(2) two  months  and (3)  three or more  months  and the  number  and  aggregate
principal balance of Mortgage Loans that are Reportable  Modified Mortgage Loans
that  are  in  foreclosure  and  are  REO  Property,  indicating  in  each  case
capitalized  Mortgage Loans,  other Servicing  Modifications and totals, and (c)
for all Reportable  Modified  Mortgage  Loans,  the number and aggregate  Stated
Principal  Balance  of  Reportable   Modified  Mortgage  Loans  that  have  been
liquidated, the subject of pay-offs and that have been repurchased by the Master
Servicer or Seller;

(viii) the number and aggregate principal balance of any REO Properties;

(ix) 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;

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<PAGE>

(x) the aggregate amount of Realized Losses for such  Distribution  Date and the
aggregate  amount of Realized  Losses on the Mortgage  Loans  incurred since the
Cut-off Date;

(xi) the Special Hazard Amount and Fraud Loss Amount as of the close of business
on such  Distribution Date and a description of any change in the calculation of
such amounts;

(xii) [Reserved];

(xiii) the Overcollateralization  Amount and the Required  Overcollateralization
Amount following such Distribution Date;

(xiv) the number and aggregate  principal  balance of Mortgage Loans repurchased
under Section 4.07 or 4.08;

(xv) the aggregate amount of any recoveries on previously  foreclosed loans from
Residential Funding due to a breach of representation or warranty;

(xvi) the weighted  average  remaining  term to maturity of the  Mortgage  Loans
after giving effect to the amounts distributed on such Distribution Date;

(xvii) the weighted  average  Mortgage  Rates of the Mortgage Loans after giving
effect to the amounts distributed on such Distribution Date;

(xviii) the Net WAC Cap Shortfall  and the Net WAC Cap  Shortfall  Carry-Forward
Amount; and

(xix) the amount of any Insured  Payment  made on such  Distribution  Date,  the
amount of any  reimbursement  payment  made to the Insurer on such  Distribution
Date pursuant to Section 4.02(c) and the aggregate amount of prior draws not yet
reimbursed.

        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. In addition to the statement provided to the Trustee as set
forth in this Section 4.03(a),  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.  Also, at the request
of a Rating Agency,  the Master Servicer shall provide the information  relating
to the Reportable  Modified  Mortgage Loans  substantially  in the form attached
hereto as Exhibit R to such Rating  Agency  within a reasonable  period of time;
provided,  however,  that the Master  Servicer  shall not be required to provide
such information more than four times in a calendar year to any Rating Agency.

(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 the Trustee 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,

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<PAGE>

a  statement  containing  the  information  set forth in clauses (i) and (ii) of
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 and Trustee shall be deemed to have been satisfied to the extent
that  substantially  comparable  information  shall be  provided  by the  Master
Servicer and Trustee 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 the Trustee 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
and forwarded by the Trustee pursuant to any requirements of the Code.

(d)  As  soon  as  reasonably  practicable,  upon  the  written  request  of any
Certificateholder,   the  Master   Servicer   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.

(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 Agreement.  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 clause (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 K 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  L. This  Section  4.03(e)  may be amended in
accordance with this Agreement without the consent of the Certificateholders.

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

(a) Prior to the close of  business on the  Business  Day next  succeeding  each
Determination Date, the Master Servicer shall furnish a written statement (which
may be in a mutually agreeable  electronic format) to the Trustee,  the Insurer,
any Paying Agent and the Depositor (the information in such statement to be made
available to  Certificateholders  by the Master  Servicer on request)  (provided
that the Master  Servicer  will use its best  efforts to  deliver  such  written
statement  not later than 12:00 p.m.  New York time on the second  Business  Day
prior to the  Distribution  Date) setting  forth (i) the Available  Distribution
Amount, (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),  (iii) the
amount of Prepayment Interest Shortfalls, Net WAC Cap Shortfalls and Net WAC Cap
Shortfall  Carry-Forward  Amounts, (iv) the Certificate Insurer Premium, if any,
(v) if the  Master  Servicer  determines  that the  Deficiency  Amount  for such
Distribution  Date is greater  than zero,  the amount  necessary to complete the
notice  in the  form  of  Exhibit  A to the  Policy  (the  "Notice");  and  (vi)
Cumulative Insurance Payments.  The determination by the Master Servicer of such
amounts shall,  in the absence of obvious error, be  presumptively  deemed to be
correct for all purposes hereunder and the Trustee shall be protected in relying
upon the same without any independent check or verification.

(b) On or before 2:00 P.M.  New York time on each  Certificate  Account  Deposit
Date, the Master  Servicer shall either (i) deposit in the  Certificate  Account
from its own funds, or funds received therefor from the Subservicers,  an amount
equal to the  Advances  to be made by the  Master  Servicer  in  respect  of the
related  Distribution  Date,  which shall be in an aggregate amount equal to the
sum of (A) the aggregate  amount of Monthly Payments other than Balloon Payments
(with each interest  portion  thereof  adjusted to a per annum rate equal to the
sum of the Net Mortgage Rate and the Certificate Insurer Premium Modified 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 Relief Act or similar  legislation or regulations then in effect,  on the
Outstanding Mortgage Loans as of the related Due Date in the related Due Period,
which  Monthly  Payments were due during the related Due Period and not received
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 and (B) with
respect to each Balloon Loan  delinquent in respect of its Balloon Payment as of
the close of business on the related  Determination Date, an amount equal to the
excess,  if any, of interest on the unpaid principal  balance thereof (with each
interest  portion thereof adjusted to a per annum rate equal to the Net Mortgage
Rate plus the Certificate  Insurer Premium  Modified Rate, if applicable),  over
any payments of interest (with each interest  portion thereof  adjusted to a per
annum rate equal to the Net Mortgage Rate)  received from the related  Mortgagor
as of the close of business on the related  Determination  Date and allocable to
the Due Date during the  related  Due Period for each month  until such  Balloon
Loan is  finally  liquidated,  (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 clauses (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

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<PAGE>

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   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 a  certificate  of a Servicing
Officer delivered to the Depositor, the Insurer and the Trustee.

        In the event that 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 and the Insurer of its inability to advance (such notice may be given by
telecopy),  not later  than 3:00  P.M.,  New York time,  on such  Business  Day,
specifying  the portion of such  amount  that it will be unable to deposit.  Not
later than 3:00 P.M., New York time, on the Certificate Account Deposit Date the
Trustee  shall,  unless by 12:00  Noon,  New York time,  on such day the Trustee
shall have been notified in writing (by telecopy) that the Master Servicer shall
have directly or indirectly deposited in the Certificate Account such portion of
the  amount of the  Advance  as to which the  Master  Servicer  shall have given
notice  pursuant  to the  preceding  sentence,  pursuant  to Section  7.01,  (a)
terminate all of the rights and  obligations  of the Master  Servicer under this
Agreement  in  accordance  with  Section  7.01 and (b)  assume  the  rights  and
obligations  of the Master  Servicer  hereunder,  including  the  obligation  to
deposit  in the  Certificate  Account  an amount  equal to the  Advance  for the
immediately succeeding Distribution Date.

        The Trustee shall deposit all funds it receives pursuant to this Section
4.04 into the Certificate Account.

Section 4.05   Allocation of Realized Losses.

(a) 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  Modifications,   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 in the month in which such  Distribution Date
occurs.  The amount of each  Realized  Loss shall be  evidenced  by an Officers'
Certificate.  All  Realized  Losses on the  Mortgage  Loans  (other  than Excess
Losses)  shall be  allocated  as follows:  first,  to the Excess  Cash Flow,  by
increasing the amount of clause (iv) of the definition of Principal Distribution
Amount;  second, by reduction of the  Overcollateralization  Amount,  until such
amount has been reduced to zero; third, to the Class M-3  Certificates;  fourth,
to the Class  M-2  Certificates;  fifth,  to the  Class  M-1  Certificates;  and
thereafter, to the Class A Certificates on a pro rata basis, as described below.
Any Excess  Losses on the  Mortgage  Loans will be  allocated to the Class A and

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Class M Certificates on a pro rata basis, as described below, in an amount equal
to a fraction of such losses equal to (x) the  aggregate  Certificate  Principal
Balance of the Class A and Class M  Certificates  over (y) the aggregate  Stated
Principal  Balance of the Mortgage Loans, and the remainder of such losses shall
be  allocated  to the  Overcollateralization  Amount in  reduction of the amount
thereof.

(b) An  allocation  of a Realized  Loss on a "pro rata basis"  among two or more
specified Classes of Certificates means an allocation on a pro rata basis, among
the various  Classes so  specified,  to each such Class of  Certificates  on the
basis of their then outstanding  Certificate  Principal Balances prior to giving
effect to distributions to be made on such  Distribution Date in the case of the
principal  portion  of a  Realized  Loss or  based  on the  Accrued  Certificate
Interest  thereon payable on such  Distribution  Date in the case of an interest
portion of a Realized Loss. Any allocation of the principal  portion of Realized
Losses  (other  than  Debt  Service  Reductions)  to  the  Class  A or  Class  M
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;  provided,  that no such  reduction  shall  reduce the
aggregate  Certificate Principal Balance of the Certificates below the aggregate
Stated  Principal  Balance of the Mortgage  Loans.  Allocations  of the interest
portions of Realized  Losses (other than any interest rate  reduction  resulting
from a Servicing  Modification)  shall be made by operation of the definition of
"Accrued  Certificate  Interest"  and by  operation  of the  priority of payment
provisions of Section 4.02(c). Allocations of the interest portion of a Realized
Loss resulting  from an interest rate  reduction in connection  with a Servicing
Modification shall be made by operation of the priority of payment provisions of
Section 4.02(c). Allocations of the principal portion of Debt Service Reductions
shall be made by operation of the  provisions of Section  4.02(c).  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.

(c) All  Realized  Losses  on the  Mortgage  Loans  shall be  allocated  on each
Distribution Date to the REMIC I Regular Interests as provided in the definition
of REMIC I Realized Losses.

(d)  Realized  Losses on the  Mortgage  Loans  allocated  to the REMIC I Regular
Interest shall be allocated among the REMIC II Regular  Interests as provided in
the definition of REMIC II Realized Losses.

(e)   Realized   Losses   allocated   to   the   Excess   Cash   Flow   or   the
Overcollateralization  Amount pursuant to paragraphs (a) or (b) of this section,
the  definition  of Accrued  Certificate  Interest and the  operation of Section
4.02(c) shall be deemed allocated to the Class SB Certificates.  Realized Losses
allocated to the Class SB Certificates shall, to the extent such Realized Losses
represent Realized Losses on an interest portion,  be allocated to the REMIC III
Regular  Interest  SB-IO.  Realized  Losses  allocated  to the Excess  Cash Flow
pursuant to paragraph (a) shall be deemed to reduce Accrued Certificate Interest
on the REMIC III  Regular  Interest  SB-IO.  Realized  Losses  allocated  to the
Overcollateralization  Amount pursuant to paragraph (a) shall be deemed first to
reduce the principal  balance of the REMIC III Regular Interest SB-PO until such
principal  balance  shall  have been  reduced to zero and  thereafter  to reduce
accrued and unpaid interest on the REMIC III Regular Interest SB-IO.

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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  interest  received  in a trade  or
business, the reports of foreclosures and abandonments of any Mortgaged Property
and the  informational  returns relating to cancellation of indebtedness  income
with respect to any Mortgaged  Property  required by Sections  6050H,  6050J and
6050P of the  Code,  respectively,  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 such 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; provided, that such Mortgage Loan is
90 days or more delinquent at the time of repurchase.  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.

        Section 4.08  Limited Mortgage Loan Repurchase Right.
                      --------------------------------------

        The Limited  Repurchase Right Holder will have the option at any time to
purchase any of the Mortgage Loans from the Trustee at the Purchase Price, up to
a maximum of five Mortgage  Loans. In the event that this option is exercised as
to any  five  Mortgage  Loans  in the  aggregate,  this  option  will  thereupon
terminate. If at any time the Limited Repurchase Right Holder makes a payment to
the  Certificate  Account  covering the amount of the Purchase  Price for such a
Mortgage Loan, and the Limited Repurchase Right Holder 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 Limited
Repurchase Right Holder without recourse to the Limited  Repurchase Right Holder
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 Limited
Repurchase Right Holder 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.  Any tax on "prohibited  transactions"
(as defined in Section  860F(a)(2) of the Code)  imposed on any REMIC  resulting
from the  exercise of the optional  repurchase  in this Section 4.08 shall in no
event be payable by the Trustee.

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        Section       4.09  Distributions  on the REMIC I Regular  Interests and
                      REMIC II Regular Interests.

        (a) On each Distribution Date, the Trustee shall be deemed to distribute
to  itself,  as the  holder  of the  REMIC  I  Regular  Interests,  the  amounts
distributed from REMIC I to REMIC II pursuant to Section 4.02(b)(1).

        (b) On each Distribution Date, the Trustee shall be deemed to distribute
to itself as the holder of the REMIC II Regular Interests the amount distributed
from REMIC II to REMIC III pursuant to Section 4.02(b)(2).

        Section 4.10  The Policy.

(a) If, pursuant to Section 4.04(a)(v),  the Master Servicer determines that the
Deficiency  Amount for such  Distribution Date is greater than zero, the Trustee
shall  complete the Notice and submit such Notice in accordance  with the Policy
to the Insurer no later than 12:00 P.M., New York City time, on the Business Day
immediately  preceding each Distribution Date, as a claim for an Insured Payment
(provided  that the Trustee shall submit such notice on the second  Business Day
immediately  preceding  such  Distribution  Date  if it is  able to do so) in an
amount equal to such Deficiency Amount.

        (b) Upon receipt of an Insured Payment from the Insurer on behalf of the
Class A-1 Certificateholders,  the Trustee shall deposit such Insured Payment in
the Certificate  Account. The Trustee shall distribute on each Distribution Date
the Deficiency Amount for such  Distribution Date from the Certificate  Account,
together with the distributions due to the Class A-1  Certificateholders on such
Distribution  Date, as follows:  (i) the portion of any such  Deficiency  Amount
related  to  clause  (i)  of  the  definition  of  Deficiency  Amount  shall  be
distributed  to the Class A-1  Certificateholders  in  accordance  with  Section
4.02(c)(i),  (ii) the portion of any such  Deficiency  Amount  related to clause
(ii) of the  definition of Deficiency  Amount shall be  distributed to the Class
A-1 Certificateholders in accordance with Section 4.02(c)(v) and (vi); and (iii)
the  portion  of any such  Deficiency  Amount  related  to  clause  (iii) of the
definition  of  Deficiency   Amount  shall  be  distributed  to  the  Class  A-1
Certificateholders in accordance with Section 9.01(c).

        (c) The Trustee shall (i) receive as  attorney-in-fact of each Class A-1
Certificateholder  any Insured Payment from the Insurer and (ii) distribute such
Insured Payment to such Class A-1  Certificateholders as set forth in subsection
(b) above. Insured Payments disbursed by the Trustee from proceeds of the Policy
shall not be considered  payment by the Trust Fund with respect to the Class A-1
Certificates, nor shall such disbursement of such Insured Payments discharge the
obligations  of the Trust Fund with  respect  to the  amounts  thereof,  and the
Insurer shall become owner of such amounts to the extent covered by such Insured
Payments   as  the   deemed   assignee   and   subrogee   of  such   Class   A-1
Certificateholders.  The  Trustee  hereby  agrees on  behalf  of each  Class A-1
Certificateholder  (and each Class A-1  Certificateholder,  by its acceptance of
its Class A-1  Certificates,  hereby agrees) for the benefit of the Insurer that
the  Trustee  shall  recognize  that to the extent  the  Insurer  makes  Insured

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Payments,  either directly or indirectly (as by paying through the Trustee),  to
the Class A-1 Certificateholders,  the Insurer will be entitled to be subrogated
to the  rights  of the  Class  A-1  Certificateholders  to the  extent  of  such
payments.

        Section 4.11  Derivative Contracts.

        (a) The Trustee  shall,  at the  direction  of the Master  Servicer,  on
behalf the Trust Fund, enter into Derivative  Contracts,  solely for the benefit
of the Class SB  Certificates.  Any such Derivative  Contract shall constitute a
fully  prepaid  agreement.  The Master  Servicer  shall  determine,  in its sole
discretion,  whether any Derivative  Contract  conforms to the  requirements  of
Section  4.11(b) and (c).  Any  acquisition  of a Derivative  Contract  shall be
accompanied by an appropriate amendment to this Agreement,  including an Opinion
of Counsel,  as provided in Section 11.01,  and either (i) an Opinion of Counsel
to the effect that the existence of the  Derivative  Contract will not adversely
affect the availability of the exemptive relief afforded under ERISA by (x) U.S.
Department of Labor Prohibited  Transaction Exemption ("PTE") 94-29, as amended,
67 Fed. Reg. 54487 (Aug.  22, 2002),  to the Holders of the Class A Certificates
or  (y)  Sections  I and  III of  PTE  95-60  to the  Holders  of  the  Class  M
Certificates,  in either case as of the date the Derivative Contract is acquired
by the  Trustee;  or (ii) the  consent  of each  holder of a Class A and Class M
Certificate to the acquisition of such  Derivative  Contract.  All  collections,
proceeds and other amounts in respect of the Derivative Contracts payable by the
Derivative Counterparty shall be distributed to the Class SB Certificates on the
Distribution  Date following  receipt thereof by the Trustee.  In no event shall
such  an  instrument  constitute  a part  of any  REMIC  created  hereunder.  In
addition, in the event any such instrument is deposited, the Trust Fund shall be
deemed to be divided into two separate  and discrete  sub-Trusts.  The assets of
one such sub-Trust  shall consist of all the assets of the Trust Fund other than
such  instrument and the assets of the other  sub-Trust  shall consist solely of
such instrument.

        (b) Any Derivative  Contract that provides for any payment obligation on
the part of the Trust  Fund must (i) be  without  recourse  to the assets of the
Trust Fund, (ii) contain a non-petition  covenant  provision from the Derivative
Counterparty,  (iii) limit payment dates  thereunder to  Distribution  Dates and
(iv)  contain a  provision  limiting  any cash  payments  due to the  Derivative
Counterparty on any day under such Derivative Contract solely to funds available
therefor in the Certificate Account to make payments to the Holders of the Class
SB Certificates on such Distribution Date.

        (c) Each Derivative  Contract must (i) provide for the direct payment of
any amounts by the Derivative Counterparty thereunder to the Certificate Account
at least one Business Day prior to the related  Distribution  Date, (ii) contain
an assignment  of all of the Trust Fund's  rights (but none of its  obligations)
under  such  Derivative   Contract  to  the  Trustee  on  behalf  the  Class  SB
Certificateholders  and shall  include  an  express  consent  to the  Derivative
Counterparty  to  such  assignment,  (iii)  provide  that  in the  event  of the
occurrence of an Event of Default, such Derivative Contract shall terminate upon
the direction of a majority  Percentage  Interest of the Class SB  Certificates,
and (iv) prohibit the Derivative  Counterparty  from  "setting-off  or "netting"
other  obligations of the Trust Fund and its Affiliates  against such Derivative
Counterparty's payment obligations thereunder.

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                                   ARTICLE V

                                THE CERTIFICATES

Section 5.01   The Certificates.

(a)  The  Class  A,  Class  M,  Class  SB 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  Depositor  upon  receipt by the  Trustee or one or more  Custodians  of the
documents  specified  in Section  2.01.  The Class A (other  than the Class A-IO
Certificates)  and Class M-1  Certificates  shall be issuable in minimum  dollar
denominations  of $25,000 and integral  multiples of $1 in excess  thereof.  The
Class A-IO  Certificates  shall be issuable in minimum dollar  denominations  of
$2,000,000 by Notional Amount,  and integral  multiples of $1 in excess thereof.
The Class M-2 and Class M-3  Certificates  shall be issuable  in minimum  dollar
denominations  of $250,000 and integral  multiples of $1 in excess thereof.  The
Class SB  Certificates  shall be issuable in  registered,  certificated  form in
minimum percentage  interests of 5.00% and integral multiples of 0.01% in excess
thereof.  Each  Class of Class R  Certificates  shall be issued  in  registered,
certificated  form in  minimum  percentage  interests  of  20.00%  and  integral
multiples  of 0.01% in  excess  thereof;  provided,  however,  that one  Class R
Certificate  of each Class will be issuable to the REMIC  Administrator  as "tax
matters  person"  pursuant  to  Section  10.01(c)  in  a  minimum   denomination
representing a Percentage Interest of not less than 0.01%.

        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) The Class A Certificate  and Class M Certificates  shall initially be issued
as one or more  Certificates  registered  in the name of the  Depository  or its
nominee and, except as provided below, registration of such 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 Certificate Owners shall hold their respective Ownership Interests
in and to  each  Class  A  Certificate  and  Class M  Certificate,  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.

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        The Trustee,  the Master Servicer and the Depositor may for all purposes
(including  the making of payments due on the  respective  Classes of Book-Entry
Certificates)  deal with the Depository as the authorized  representative of the
Certificate  Owners  with  respect  to  the  respective  Classes  of  Book-Entry
Certificates  for the purposes of  exercising  the rights of  Certificateholders
hereunder.  The rights of  Certificate  Owners  with  respect to the  respective
Classes of Book-Entry  Certificates shall be limited to those established by law
and agreements between such Certificate  Owners and the Depository  Participants
and brokerage firms representing such Certificate Owners.  Multiple requests and
directions  from,  and  votes  of,  the  Depository  as  Holder  of any Class of
Book-Entry  Certificates  with  respect to any  particular  matter  shall not be
deemed  inconsistent  if they 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  Depositor  advises  the  Trustee  in  writing  that the
Depository   is  no  longer   willing  or  able  to   properly   discharge   its
responsibilities  as  Depository  and (B) the  Depositor  is  unable to locate a
qualified  successor or (ii) the Depositor 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
Depositor,  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  Depositor 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) Each of the Certificates is intended to be a "security"  governed by Article
8 of the Uniform  Commercial  Code as in effect in the State of New York and any
other  applicable  jurisdiction,  to the  extent  that  any of such  laws may be
applicable.

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.

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<PAGE>

(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 SB 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 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 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 SB or Class R
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 (the "1933 Act"),  and any applicable  state securities laws
or is made in accordance with said Act and laws. Except as otherwise provided in
this  Section  5.02(d),  in the event that a  transfer  of a Class SB or Class R
Certificate  is to be  made,  (i)  unless  the  Depositor  directs  the  Trustee
otherwise,  the Trustee shall require a written Opinion of Counsel acceptable to
and in form and substance  satisfactory  to the Trustee and the  Depositor  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 Trust Fund, the Depositor or the Master Servicer,  and (ii)
the Trustee shall require the  transferee  to execute a  representation  letter,
substantially in the form of Exhibit I hereto, and the Trustee shall require the
transferor  to execute a  representation  letter,  substantially  in the form of
Exhibit J hereto,  each acceptable to and in form and substance  satisfactory to
the  Depositor  and the Trustee  certifying to the Depositor and the Trustee the
facts surrounding such transfer,  which  representation  letters shall not be an
expense of the Trustee, the Trust Fund, the Depositor or the Master Servicer. In
lieu of the requirements set forth in the preceding sentence, transfers of Class
SB or Class R Certificates  may be made in accordance  with this Section 5.02(d)
if the prospective transferee of such a Certificate provides the Trustee and the
Master Servicer with an investment letter substantially in the form of Exhibit N
attached hereto, which investment letter shall not be an expense of the Trustee,
the Depositor,  or the Master Servicer, and which investment letter states that,
among other things, such transferee (i) is a "qualified  institutional buyer" as
defined  under Rule 144A,  acting for its own  account or the  accounts of other
"qualified  institutional  buyers" as defined under Rule 144A, and (ii) is aware
that the proposed  transferor intends to rely on the exemption from registration
requirements  under the 1933 Act provided by Rule 144A. The Holder of a Class SB

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or Class R Certificate  desiring to effect any transfer,  sale,  pledge or other
disposition  shall,  and does  hereby  agree  to,  indemnify  the  Trustee,  the
Depositor,  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 and
this Agreement.

(e) In the case of any Class M, Class SB or Class R  Certificate  presented  for
registration in the name of any Person,  either (i) the Trustee shall require an
Opinion of Counsel  acceptable to and in form and substance  satisfactory to the
Trustee,  the Depositor and the Master  Servicer to the effect that the purchase
or holding of such Class M, Class SB or Class R Certificate is permissible under
applicable  law,  will not  constitute  or result in any  non-exempt  prohibited
transaction  under  Section  406 of  ERISA,  or  Section  4975 of the  Code  (or
comparable  provisions of any subsequent  enactments),  and will not subject the
Trustee,  the  Depositor 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 Depositor or the Master Servicer or
(ii) the prospective  transferee  shall be required to provide the Trustee,  the
Depositor and the Master Servicer with a  certification  to the effect set forth
in Exhibit P (with respect to a Class M Certificate) (which  certification shall
be deemed to have  been  given by a Class M  Certificateholder  who  acquires  a
Book-Entry  Certificate),  Exhibit O (with respect to a Class SB Certificate) or
in  paragraph  fifteen of Exhibit H-1 (with  respect to a 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 insurance company investing its general
accounts,  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 (a
"Plan  Investor")  or (b) in the case of a Class M  Certificate,  the  following
conditions are satisfied:  (i) such Transferee is an insurance company, (ii) the
source of funds used to purchase or hold such Certificate (or interest  therein)
is an  "insurance  company  general  account" (as defined in U.S.  Department of
Labor Prohibited  Transaction  Class Exemption  ("PTCE")  95-60),  and (iii) the
conditions  set forth in  Sections I and III of PTCE  95-60 have been  satisfied
(each entity that satisfies this clause (b), a "Complying  Insurance  Company").
Notwithstanding the above, with respect to the transfer of a Class M Certificate
to a  Depository  or any  subsequent  transfer  of any  interest  in a  Class  M
Certificate for so long as such Class M Certificate is held by a Depository, (a)
neither an Opinion of Counsel nor a  certification,  each as  described  in this
Section  5.02(e),  shall be required,  and (b) the  following  conditions  shall
apply:

        (1) any  transferee  of a Class M  Certificate  shall be  deemed to have
represented by virtue of its purchase or holding of such Class M Certificate (or
interest therein) that either (i) such transferee is not a Plan Investor or (ii)
such transferee is a Complying Insurance Company; and

        (2) if a Class M  Certificate  (or any interest  therein) is acquired or
held in violation of the  provisions of the preceding  paragraph,  then the last
preceding  transferee  that  either  (i) is not a Plan  Investor  or  (ii)  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

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date of such  transfer  of such  Certificate.  The  Trustee  shall  be  under no
liability to any Person for making any payments due on such  Certificate to such
preceding transferee.

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

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

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

(B)     In connection with any proposed Transfer of any Ownership  Interest in a
        Class R Certificate, the Trustee shall require delivery to it, and shall
        not register the Transfer of any Class R  Certificate  until its receipt
        of,  (I)  an  affidavit  and   agreement  (a  "Transfer   Affidavit  and
        Agreement,"  in the  form  attached  hereto  as  Exhibit  H-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 H-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 H-2.

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(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."

(i)     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 H-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.

                      (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

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               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.

(ii) 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.

(iii) 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  consent of the Insurer  and 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 the Class A or Class M 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  without,  with  respect  to the Class A-1
Certificates, giving effect to the Policy; and

(B) A 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 of REMIC I,  REMIC II or REMIC  III to cease to
qualify  as a REMIC and will not cause (x) any of REMIC I, REMIC II or REMIC III
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.

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Section 5.03   Mutilated, Destroyed, Lost or Stolen Certificates.
               -------------------------------------------------

        If (i) any  mutilated  Certificate  is  surrendered  to the  Certificate
Registrar,  or the Trustee and the  Certificate  Registrar  receive  evidence to
their  satisfaction of the destruction,  loss or theft of any  Certificate,  and
(ii) there is  delivered  to the  Trustee  and the  Certificate  Registrar  such
security or indemnity as may be required by them to save each of them  harmless,
then, in the absence of notice to the Trustee or the Certificate  Registrar that
such  Certificate has been acquired by a bona fide purchaser,  the Trustee shall
execute  and the  Certificate  Registrar  shall  authenticate  and  deliver,  in
exchange  for or in lieu  of any  such  mutilated,  destroyed,  lost  or  stolen
Certificate,  a new Certificate of like tenor, Class and Percentage Interest but
bearing a number not contemporaneously outstanding. Upon the issuance of any new
Certificate  under this  Section,  the  Trustee may require the payment of a sum
sufficient to cover any tax or other governmental  charge that may be imposed in
relation thereto and any other expenses  (including the fees and expenses of the
Trustee  and the  Certificate  Registrar)  connected  therewith.  Any  duplicate
Certificate  issued  pursuant to this  Section  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 Depositor,  the Master Servicer,  the Insurer,  the Trustee, the Certificate
Registrar and any agent of the Depositor,  the Master Servicer, the Insurer, the
Trustee  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 in Section 4.09, and neither the Depositor,  the Master
Servicer,  the Insurer, the Trustee, the Certificate  Registrar nor any agent of
the Depositor,  the Master Servicer, the Insurer, the Trustee 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,  with the consent of the Insurer (so long as no Insurer
Default exists)  appoint a Paying Agent for the purpose of making  distributions
to  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  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 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
Certificateholders in trust for the benefit of the  Certificateholders  entitled
thereto  until such sums shall be paid to such  Certificateholders.  Any sums so
held by such Paying Agent shall be held only in Eligible  Accounts to the extent
such sums are not distributed to the  Certificateholders  on the date of receipt
by such Paying Agent.

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                                   ARTICLE VI

                      THE DEPOSITOR AND THE MASTER SERVICER

Section 6.01   Respective Liabilities of the Depositor and the Master Servicer.
               ---------------------------------------------------------------

        The Depositor 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 Depositor and the Master Servicer herein.  By
way of  illustration  and not  limitation,  the  Depositor 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 Depositor or the Master  Servicer;
Assignment of Rights and Delegation of Duties by Master Servicer.

(a) The  Depositor  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 Depositor or the Master  Servicer may be merged or
consolidated,  or any corporation  resulting from any merger or consolidation to
which the  Depositor  or the  Master  Servicer  shall be a party,  or any Person
succeeding to the business of the Depositor or the Master Servicer, shall be the
successor  of the  Depositor  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 Class A or Class M Certificates  (without,  with respect
to the Class  A-1  Certificates,  taking  into  account  the  Policy)  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,  the  Insurer  and the  Depositor,  is willing to
service the  Mortgage  Loans and executes  and  delivers to the  Depositor,  the
Insurer  and  the  Trustee  an  agreement,  in  form  and  substance  reasonably
satisfactory  to the Depositor,  the Insurer and the Trustee,  which contains an
assumption by such Person of the due and punctual  performance and observance of

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<PAGE>

each covenant and  condition to be performed or observed by the Master  Servicer
under this Agreement;  provided  further that each Rating Agency's 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),  without,  with  respect  to the  Class A-1
Certificates, taking into account the Policy. 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 Depositor,  the Master Servicer and
     Others.

        Neither the  Depositor,  the Master  Servicer nor any of the  directors,
officers,  employees or agents of the Depositor 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  Depositor,  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  Depositor,  the Master
Servicer and any  director,  officer,  employee or agent of the Depositor 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  Depositor,  the  Master  Servicer  and any  director,  officer,
employee or agent of the Depositor 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  Depositor  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  Depositor  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
Depositor 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   Depositor and Master Servicer Not to Resign.
               -------------------------------------------

        Subject to the provisions of Section 6.02, neither the Depositor 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  Depositor or the Master  Servicer  shall be evidenced by an
Opinion  of  Counsel  (at the  expense of the  resigning  party) to such  effect
delivered  to the Trustee and the  Insurer.  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

                                     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
     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, the Insurer or the Depositor or to the Master Servicer, the
     Depositor  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,  the Insurer or the Depositor,
     or to the Master Servicer,  the Depositor and the Trustee by the Holders of
     Certificates  of  any  Class  evidencing,  as  to  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 Depositor or the Trustee shall
at the direction of the Insurer (unless an Insurer Default is continuing) or the
Holders of  Certificates  entitled to at least 51% of the Voting  Rights  (which
Voting  Rights of the  Class  A-1  Certificateholders  may be  exercised  by the
Insurer  without the consent of such  Holders and may only be  exercised by such
Holders with the prior  consent of the Insurer so long as there does not exist a
failure by the Insurer to make a required  payment under the Policy),  by notice
in writing to the Master Servicer (and to the Depositor and the Insurer if given
by the Trustee or to the  Trustee  and the  Insurer if given by the  Depositor),
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;  provided, however, that unless the
Insurer Default is continuing,  the successor to the Master  Servicer  appointed
pursuant  to Section  7.02 shall be  acceptable  to the  Insurer  and shall have
accepted the duties of Master  Servicer  effective  upon the  resignation of the
Master  Servicer.  If an Event of Default  described in clause (vi) hereof shall
occur,  the Trustee shall,  by notice to the Master  Servicer and the Depositor,
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

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<PAGE>

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 Depositor shall deliver to the Trustee a copy of the Program Guide
and upon request of the Insurer, a copy of the Program Guide to the Insurer.

Section 7.02   Trustee or Depositor 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 Insurer
may appoint a successor Master Servicer and if the Insurer fails to do so within
30 days,  the Trustee or, upon notice to the  Depositor and the Insurer and with
the  Depositor's  and the  Insurer'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  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(c) 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  Insurer  may appoint a  successor  Master  Servicer  and if the
Insurer fails to do so within 30 days, 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

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initial Master Servicer hereunder. The Depositor, 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  assignment  of Mortgage in
recordable form to transfer the Mortgage from MERS to the Trustee and to execute
and  deliver  such other  notices,  documents  and other  instruments  as may be
necessary or desirable to effect a transfer of such  Mortgage  Loan or servicing
of such Mortgage Loan on the MERS(R)  System to the successor  MasteR  Servicer.
The  predecessor  Master  Servicer  shall  file or cause  to be  filed  any such
assignment in the appropriate  recording office. The predecessor Master Servicer
shall  bear any and all fees of MERS,  costs of  preparing  any  assignments  of
Mortgage,  and fees and costs of filing any  assignments of Mortgage that may be
required under this  subsection  (b). The successor  Master Servicer shall cause
such  assignment to be delivered to the Trustee or the  Custodian  promptly upon
receipt of the original with evidence of recording  thereon or a copy  certified
by the public recording office in which such assignment was recorded.

Section 7.03   Notification to Certificateholders.
               ----------------------------------

(a) Upon any such  termination  or  appointment  of a  successor  to the  Master
Servicer,   the  Trustee  shall  give  prompt  written  notice  thereof  to  the
Certificateholders  at their respective  addresses  appearing in the Certificate
Register, and the Insurer.

(b) Within 60 days after the  occurrence  of any Event of  Default,  the Trustee
shall transmit by mail to all Holders of Certificates  and to the Insurer notice
of each such Event of Default hereunder known to the Trustee,  unless such Event
of Default shall have been cured or waived as provided in Section 7.04 hereof.

Section 7.04   Waiver of Events of Default.

        The  Insurer  or the  Holders  representing  at least 66% of the  Voting
Rights of Certificates  affected by a default or Event of Default hereunder with
the written  consent of the Insurer,  which  consent  shall not be  unreasonably
withheld, may waive any 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,
with  the  written  consent  of the  Insurer,  only  by all  of the  Holders  of
Certificates  affected by such default or Event of Default  (which Voting Rights
of the Class A-1  Certificateholders may be exercised by the Insurer without the
consent of such Holders and may only be exercised by such Holders with the prior
written  consent of the Insurer so long as there does not exist a failure by the

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Insurer to make a required  payment under the Policy) 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),  (ii) or (iii). Upon any such waiver of a default
or Event of Default by the Insurer or by the Holders  representing the requisite
percentage of Voting Rights of Certificates affected by such default or Event of
Default, such default or Event of Default with the consent of the Insurer, which
consent shall not be  unreasonably  withheld,  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.

        Section 7.05  Servicing Trigger; Removal of Master Servicer.
                      ---------------------------------------------

               (a) Upon  determination  by the Insurer that a Servicing  Trigger
has  occurred,  the Insurer shall give notice of such  Servicing  Trigger to the
Master Servicer, the Depositor, the Trustee and to each Rating Agency.

               (b) At any time after such  determination  and while a  Servicing
Trigger is  continuing,  the Insurer may direct the Trustee in writing to remove
the Master  Servicer if the  Insurer  makes a  determination  that the manner of
master servicing was a factor  contributing to the size of the  delinquencies or
losses incurred in the Trust Fund.

               (c) Upon  receipt  of  written  directions  to remove  the Master
Servicer  pursuant to the  preceding  clause (b),  the Trustee  shall notify the
Master  Servicer that it has been  terminated  and the Master  Servicer shall be
terminated in the same manner as specified in Sections 7.01 and 7.02.

               (d) After notice of  occurrence  of a Servicing  Trigger has been
given and while a Servicing  Trigger is continuing,  until and unless the Master
Servicer  has been  removed as  provided  in clause  (b),  the  Master  Servicer
covenants  and  agrees  to act as  the  Master  Servicer  for a  term  from  the
occurrence of the Servicing  Trigger to the end of the Calendar Quarter in which
such Servicing  Trigger  occurs,  which term may at the Insurer's  discretion be
extended by written notice from the Insurer to the Trustee for successive  terms
of three (3) calendar months each,  until the termination of the Trust Fund. The
Master  Servicer  will,  upon the  receipt of each such notice of  extension  (a
"Master  Servicer  Extension  Notice") become bound for the duration of the term
covered by such Master Servicer  Extension Notice to continue as Master Servicer
subject to and in accordance with this Agreement. If, as of the fifteenth (15th)
day prior to the last day of any term as the Master Servicer,  the Trustee shall
not have received any Master  Servicer  Extension  Notice from the Insurer,  the
Trustee  shall,  within five (5) days  thereafter,  give written  notice of such
nonreceipt  to the Insurer  and the Master  Servicer.  If any such term  expires
without a Master Servicer  Extension Notice then the Trustee shall act as Master
Servicer as provided in Section 7.02.

               (e) No  provision  of this  Section 7.05 shall have the effect of
limiting the rights of the Depositor, the Trustee, the Certificateholders or the
Insurer under Section 7.01.

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<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
Insurer and 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,  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  and the Trustee  shall furnish in timely
fashion to the Insurer  such  information  in the  Trustee's  possession  as the
Insurer may reasonably  request from time to time for the Insurer to protect its
interests and to fulfill its duties as set forth in the Policy and the Insurance
Agreement.   The  Trustee  covenants  and  agrees  that  it  shall  perform  its
obligations  hereunder in a manner so as to maintain the status of each of REMIC
I, REMIC II and REMIC III as a REMIC under the REMIC  Provisions and (subject to
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

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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 Depositor or the Master  Servicer and which on their face, do
not contradict the requirements of this Agreement;

(ii) The Trustee shall not be personally liable for an error of judgment made in
good faith by a  Responsible  Officer or  Responsible  Officers of the  Trustee,
unless it shall be proved that the Trustee was  negligent  in  ascertaining  the
pertinent facts;

(iii) The Trustee  shall not be  personally  liable  with  respect to any action
taken,  suffered or omitted to be taken by it in good faith in  accordance  with
the direction of the Insurer or the  Certificateholders  holding Certificates of
any  Class  affected  thereby  which  evidence,  as to  such  Class,  Percentage
Interests  aggregating not less than 25% of the affected Classes 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 Depositor 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;

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(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 or the Insurer, pursuant to the provisions of this
Agreement,  unless such  Certificateholders or the Insurer shall have offered to
the Trustee  reasonable  security or indemnity  against the costs,  expenses and
liabilities  which may be incurred  therein or thereby and the Insurer has given
its consent; 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 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 the Insurer or the Holders of  Certificates  of
any Class evidencing,  as to such Class,  Percentage Interests,  aggregating not
less than 50% with the written consent of the Insurer;  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 or the Insurer 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
provided  that the Trustee  shall  remain  liable for any acts of such 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

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manner any Tax Returns  prepared by or on behalf of the Master Servicer that the
Trustee is required to sign as  determined  by the Master  Servicer  pursuant to
applicable  federal,  state or local tax laws, provided that the Master Servicer
shall indemnify the Trustee for signing any such Tax Returns that contain errors
or omissions.

(b)  Following the issuance of the  Certificates  (and except as provided for in
Section 2.04),  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 of REMIC I,  REMIC II or REMIC  III 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 Depositor 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 Depositor 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  Depositor  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  Depositor  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 its 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, 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  or the  Policy  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 Certificateholders pursuant to the terms of this Agreement.

Section 8.06   Eligibility Requirements for Trustee.
               ------------------------------------

        The  Trustee  hereunder  shall  at  all  times  be  a  national  banking
association or a New York banking  corporation  having its principal office in a
state and city  acceptable  to the  Depositor  and the Insurer 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 Depositor,  the Insurer and the
Master Servicer. Upon receiving such notice of resignation,  the Depositor shall
promptly  appoint a  successor  trustee  acceptable  to the  Insurer  by written

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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  then the  Insurer  may  appoint a
successor  trustee  and if the  Insurer  fails  to do so  within  30  days,  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 Insurer or the Depositor with the consent of the Insurer,  which
consent shall not be unreasonably  withheld, 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
Insurer or the  Depositor  with the consent of the Insurer,  which consent shall
not be  unreasonably  withheld,  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 Insurer or the  Depositor  determines  that the
Trustee has failed (i) to make a claim  available  under the Policy or failed to
distribute or cause to be distributed to Certificateholders  any amount required
to be distributed  hereunder (including any Insured Payment),  if such amount is
held by the Trustee or its Paying Agent  (other than the Master  Servicer or the
Depositor)  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 Depositor or the Insurer, then the Insurer
or the  Depositor  with the consent of the Insurer,  which  consent shall not be
unreasonably withheld, 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  Depositor  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,  without,
with respect to the Class A-1 Certificates, taking into account the Policy.

(c) During the  continuance of an Insurer  Default,  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 Depositor,  one
complete set to the Trustee so removed and one complete set to the  successor so
appointed.

(d) Any  resignation  or removal of the Trustee and  appointment  of a successor
trustee pursuant to any of the provisions of this Section shall become effective
upon  acceptance of appointment by the successor  trustee as provided in Section
8.08.

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Section 8.08   Successor Trustee.

(a) Any successor  trustee  appointed as provided in Section 8.07 shall execute,
acknowledge  and deliver to the Depositor and the Insurer and to its predecessor
trustee an instrument  accepting such appointment  hereunder,  and thereupon the
resignation  or removal of the  predecessor  trustee shall become  effective and
such  successor  trustee  shall become  effective  and such  successor  trustee,
without any further act, deed or conveyance,  shall become fully vested with all
the rights,  powers, duties and obligations of its predecessor  hereunder,  with
the like  effect as if  originally  named as  trustee  herein.  The  predecessor
trustee shall deliver to the  successor  trustee all Mortgage  Files and related
documents and statements held by it hereunder  (other than any Mortgage Files at
the time held by a  Custodian,  which  shall  become the agent of any  successor
trustee hereunder),  and the Depositor,  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  Depositor  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 Depositor 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 Depositor.

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

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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.

(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,  the Insurer
and the Depositor,  appoint one or more Custodians who are not Affiliates of the
Depositor or the Master  Servicer 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 and the Insurer. 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

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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
where  Certificates may be surrendered for registration of transfer or exchange.
The Trustee  initially  designates its offices located at 4 New York Plaza,  6th
Floor,  New York,  New York 10004 for the  purpose of  keeping  the  Certificate
Register.  The Trustee will maintain an office at the address  stated in Section
11.05(c)  hereof where  notices and demands to or upon the Trustee in respect of
this Agreement may be served.

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                                   ARTICLE IX

                                   TERMINATION

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 Depositor,  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 Depositor 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 (other than
the  Policy) 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) plus the Certificate  Insurer Premium Modified Rate,
to, but not including, the first day of the month in which such repurchase price
is  distributed,  plus  any  amounts  due to the  Insurer  under  the  Insurance
Agreement;  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 of REMIC I, REMIC II or REMIC III as a REMIC.

        The right of the Master Servicer to purchase all the assets of the Trust
Fund  relating  to  the  Mortgage  Loans,  pursuant  to  clause  (ii)  above  is
conditioned  upon the date of such  purchase  occurring  on or after  the  first
possible Optional Termination Date.

        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. No purchase pursuant to clause
(ii) of this  Section  9.01(a) is  permitted if it would result in a draw on the
Policy unless the Insurer consents in writing.

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        In addition to the foregoing,  on any Distribution  Date on or after the
first possible  Optional  Termination  Date, the Master  Servicer shall have the
right,  at its  option,  to  purchase  the  Class  A  Certificates  and  Class M
Certificates  in whole,  but not in part,  at a price (except in the case of the
Class A-IO Certificates) equal to the outstanding  Certificate Principal Balance
of such  Certificates plus the sum of one month's Accrued  Certificate  Interest
thereon for the related Interest Accrual Period,  any previously  unpaid Accrued
Certificate  Interest,  any unpaid Prepayment  Interest  Shortfalls plus accrued
interest  thereon  at the  related  Pass-Through  Rate,  any  unpaid Net WAC Cap
Shortfalls  and any unpaid Net WAC Cap Shortfall  Carry-Forward  Amounts and any
amounts due to the Insurer under the Insurance  Agreement.  Any such purchase of
the Class A-IO  Certificates as discussed above will be made at a price equal to
the sum of one  month's  Accrued  Certificate  Interest on the  Notional  Amount
thereof,  plus 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 and the Insurer 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  (with a copy  to the  Certificate
Registrar,  the Insurer and each Rating Agency) 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 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 Class A, Class R and Class SB  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.

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        If the Master Servicer is obligated to give notice to Certificateholders
as aforesaid, it shall give such notice to the Certificate Registrar at the time
such  notice is given to  Certificateholders  and,  if the  Master  Servicer  is
exercising its rights to purchase the  outstanding  Certificates,  it shall give
such  notice  to each  Rating  Agency  at the  time  such  notice  is  given  to
Certificateholders.  As a result of the  exercise by the Master  Servicer of its
right to  purchase  the  assets of the Trust  Fund,  the Master  Servicer  shall
deposit  in the  Certificate  Account,  before  the Final  Distribution  Date in
immediately available funds an amount equal to the purchase price for the assets
of the Trust Fund,  computed as provided  above.  As a result of the exercise by
the Master Servicer of its right to purchase the outstanding  Certificates,  the
Master Servicer shall deposit in an Eligible Account,  established by the Master
Servicer on behalf of the Trustee and separate from the  Certificate  Account in
the name of the Trustee in trust for the registered holders of the Certificates,
before the  Distribution  Date on which such purchase is to occur in immediately
available  funds an amount  equal to the  purchase  price for the  Certificates,
computed as above  provided,  and provide notice of such deposit to the Trustee.
The Trustee will withdraw  from such account the amount  specified in subsection
(c) below and distribute such amount to the  Certificateholders  as specified in
subsection (c) below.

        (c) In the  case  of  the  Class  A,  Class  M,  Class  R and  Class  SB
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 and
to the Insurer (i) the amount otherwise  distributable on such Distribution Date
in accordance with Section 4.02, 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 equal to the price
paid pursuant to Section 9.01(a), as follows: first, to the Class A Certificates
on a pro rata basis, the outstanding  Certificate Principal Balance thereof plus
Accrued Certificate Interest thereon for the related Interest Accrual Period and
any  previously  unpaid  Accrued  Certificate  Interest,  any unpaid  Prepayment
Interest  Shortfalls,  any unpaid Net WAC Cap  Shortfalls and any unpaid Net WAC
Cap Shortfall  Carry-Forward  Amounts,  second,  to the Class M Certificates  in
their order of payment priority,  the outstanding  Certificate Principal Balance
thereof  plus  Accrued  Certificate  Interest  thereon for the related  Interest
Accrual  Period and any  previously  unpaid Accrued  Certificate  Interest,  any
unpaid Prepayment Interest Shortfalls, any unpaid Net WAC Cap Shortfalls and any
unpaid Net WAC Cap Shortfall  Carry-Forward Amounts,  third, to the Insurer, the
Certificate  Insurer  Premium,  plus  interest  accrued at the  applicable  Late
Payment  Rate,  fourth,  to  the  Insurer  to  reimburse  the  Insurer  for  any
outstanding  claims  under the  Policy,  to the extent of  Cumulative  Insurance
Payments,  fifth,  to the  Insurer,  any other  outstanding  amounts owed to the
Insurer  pursuant  to the  Insurance  Agreement,  and  sixth,  to the  Class  SB
Certificates. Notwithstanding the reduction of the Certificate Principal Balance
of any Class of Class M  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) In the event that any  Certificateholders  shall not surrender their
Certificates  for  final  payment  and  cancellation  on  or  before  the  Final
Distribution  Date,  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

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purchase the assets of the Trust Fund), or the Trustee (in any other case) shall
give a second  written notice to the remaining  Certificateholders  to surrender
their  Certificates  for cancellation  and receive the final  distribution  with
respect  thereto.  If within six months after the second notice any  Certificate
shall not have  been  surrendered  for  cancellation,  the  Trustee  shall  take
appropriate  steps as directed by the Master  Servicer to contact the  remaining
Certificateholders  concerning  surrender of their  Certificates.  The costs and
expenses of maintaining the escrow account and of contacting  Certificateholders
shall be paid out of the assets  which remain in the escrow  account.  If within
nine  months  after  the  second  notice  any  Certificates  shall not have 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 and the Certificateholders  shall look only to the Master
Servicer for such payment.

        (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  Eligible
Account  established  by the  Master  Servicer  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 shall have
no further  obligation  or  liability  therefor  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,  subject to any
rights of the Insurer hereunder with respect thereto.

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Section 9.02   Additional Termination Requirements.
               -----------------------------------

(a) Each of  REMIC  I,  REMIC II and  REMIC  III,  as the case may be,  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 any of REMIC I, REMIC II and REMIC
III, as the case may be, to comply with the  requirements  of this  Section 9.02
will not (i) result in the  imposition on the Trust Fund of taxes on "prohibited
transactions,"  as described  in Section 860F of the Code,  or (ii) cause any of
REMIC I,  REMIC II or REMIC III 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 REMIC I
and specify  the first day of such  period in a statement  attached to REMIC I'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 REMIC I under Section 860F of the Code and the regulations thereunder;

(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 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 of REMIC I,  REMIC II and REMIC III at the  expense of the
Trust Fund in accordance with the terms and conditions of this Agreement.

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                                   ARTICLE X

                                REMIC PROVISIONS

Section 10.01  REMIC Administration.

(a) The REMIC  Administrator  shall make an  election  to treat each of REMIC I,
REMIC II and  REMIC  III as a REMIC  under the Code  and,  if  necessary,  under
applicable  state  law.  Each 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.  The  REMIC I  Regular
Interests  shall be  designated  as the  "regular  interests"  and the Class R-I
Certificates  shall be designated  as the sole class of "residual  interests" in
the REMIC I. The REMIC II Regular  Interests shall be designated as the "regular
interests" and the Class R-II Certificates shall be designated as the sole class
of "residual  interests" in the REMIC II. The Class A-1, Class A-IO,  Class M-1,
Class  M-2,  Class  M-3 and Class SB  Certificates  shall be  designated  as the
"regular  interests"  in REMIC III and the  Class  R-III  Certificates  shall be
designated  the sole  class of  "residual  interests"  in REMIC  III.  The REMIC
Administrator  and the Trustee shall not permit the creation of any  "interests"
(within the  meaning of Section  860G of the Code) in REMIC I, REMIC II or REMIC
III other than the REMIC I Regular Interests, the REMIC II Regular Interests and
the Certificates.

(b) The Closing Date is hereby  designated as the "startup day" of each of REMIC
I, REMIC II and REMIC III within the meaning of Section  860G(a)(9)  of the Code
(the "Startup Date").

(c) The REMIC  Administrator  shall  hold a Class R  Certificate  in each  REMIC
representing a 0.01%  Percentage  Interest of the Class R  Certificates  in each
REMIC and shall be designated  as the "tax matters  person" with respect to each
of REMIC  I,  REMIC II and  REMIC  III 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 of REMIC I,  REMIC II and  REMIC  III 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 the REMICs  created
hereunder and deliver such Tax Returns in a timely manner to the Trustee and the

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Trustee shall sign and file such Tax Returns in a timely manner. The expenses of
preparing  such returns  shall be borne by the REMIC  Administrator  without any
right of reimbursement therefor. The REMIC Administrator agrees to indemnify and
hold harmless the Trustee with respect to any tax or liability  arising from the
Trustee's  signing of Tax Returns that contain errors or omissions.  The Trustee
and Master  Servicer shall promptly  provide the REMIC  Administrator  with such
information  as the REMIC  Administrator  may from time to time  request for the
purpose of enabling the REMIC Administrator to prepare Tax Returns.

(e) The REMIC  Administrator  shall  provide (i) to any  Transferor of a Class R
Certificate  such  information  as is necessary for the  application  of any tax
relating  to the  transfer of a Class R  Certificate  to any Person who is not a
Permitted  Transferee,  (ii) to the Trustee and the Trustee shall forward to the
Certificateholders  such  information  or reports as are required by the Code or
the REMIC  Provisions  including  reports  relating to interest,  original issue
discount,  if  any,  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 created hereunder.

(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  thereof 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). In performing  their duties as more  specifically  set
forth  herein,  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 and the scope of duties more  specifically set
forth herein,  that, under the REMIC  Provisions,  if taken or not taken, as the
case may be,  could (i) endanger the status of any of REMIC I, REMIC II or REMIC
III as a REMIC or (ii)  result in the  imposition  of a tax upon any of REMIC I,
REMIC  II or REMIC  III  (including  but not  limited  to the tax on  prohibited
transactions as defined in Section 860F(a)(2) of the Code (except as provided in
Section  2.04) 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 the Trust Fund created hereunder, endanger such status
or,  unless  the  Master  Servicer  or  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

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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 the Trust Fund or its
assets,  or causing  the Trust Fund to take any action,  which is not  expressly
permitted under the terms of this  Agreement,  the Trustee will consult with the
Master Servicer or the REMIC Administrator,  as applicable,  or its designee, in
writing,  with respect to whether such action could cause an Adverse REMIC Event
to occur with respect to the Trust Fund and the Trustee  shall not take any such
action or cause the Trust  Fund 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  or the REMIC  Administrator,  as
applicable,  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
the REMIC 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 REMIC as defined in Section 860G(c) of
the Code,  on any  contributions  to any REMIC after the Startup  Date  therefor
pursuant to Section 860G(d) of the Code, or any other tax 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 on a calendar year and on an accrual basis or
as otherwise may be required by the REMIC Provisions.

(h)  Following  the Startup  Date,  neither the Master  Servicer nor the Trustee
shall accept any contributions of assets to any REMIC 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 any REMIC  will not cause any of
REMIC I,  REMIC II or REMIC III to fail to  qualify  as a REMIC at any time that
any  Certificates are outstanding or subject any such REMIC to any tax under the
REMIC Provisions or other applicable provisions of federal,  state and local law
or ordinances.

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(i)  Neither  the Master  Servicer  nor the  Trustee  shall  (subject to Section
10.01(f))  enter into any arrangement by which any of REMIC I, REMIC II or REMIC
III will  receive a fee or other  compensation  for  services  nor permit any of
REMIC I, REMIC II or REMIC III 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.

(j)  Solely for the  purposes  of Section  1.860G-1(a)(4)(iii)  of the  Treasury
Regulations,  the "latest possible maturity date" by which the principal balance
of each  regular  interest  in each REMIC  would be reduced to zero is April 25,
2033,  which is the second  Distribution  Date  following  the latest  scheduled
maturity of any Mortgage Loan.

(k) 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 the Trust Fund.

(l)  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  the  Trust  Fund,  (iii)  the
termination  of any REMIC  pursuant  to Article IX of this  Agreement  or (iv) a
purchase of Mortgage Loans  pursuant to Article II or III of this  Agreement) or
acquire  any assets for any REMIC or sell or dispose of any  investments  in the
Custodial   Account  or  the  Certificate   Account  for  gain,  or  accept  any
contributions  to any 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 any of REMIC I, REMIC II or REMIC III as
a REMIC or (b) unless the Master  Servicer has determined in its sole discretion
to indemnify the Trust Fund against such tax, cause any 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 Insurer,  the Depositor,
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 Insurer,  the Depositor or the Master  Servicer,
as a result of a breach of the Trustee's  covenants set forth in Article VIII or
this  Article X. In the event that  Residential  Funding is no longer the Master
Servicer,  the Trustee  shall  indemnify  Residential  Funding for any taxes and
costs including, without limitation, any reasonable attorneys fees imposed on or
incurred  by  Residential  Funding  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 Insurer, the
Depositor,  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 Insurer,  the Depositor,  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

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of Tax  Returns  prepared  by the REMIC  Administrator  that  contain  errors or
omissions;  provided,  however,  that such  liability will not be imposed to the
extent such breach is a result of an error or omission in  information  provided
to the REMIC Administrator by the Master Servicer in which case Section 10.02(c)
will apply.

(c) The Master  Servicer  agrees to indemnify the Trust Fund,  the Insurer,  the
Depositor,  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 Insurer, the Depositor,  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.

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                                   ARTICLE XI

                            MISCELLANEOUS PROVISIONS

Section 11.01  Amendment.

(a) This  Agreement or any Custodial  Agreement may be amended from time to time
by the Depositor,  the Master Servicer and the Trustee,  with the consent of the
Insurer, but 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 REMIC I, REMIC
II or REMIC III as REMICs 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
or the Insurer,

(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, without,  with respect to the Class A-1 Certificates,  taking into
account the Policy,  after  notice to Moody's or as  evidenced  by a letter from
Standard & Poor's 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 the Trust Fund 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 the
Trust Fund 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, or

(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 the Insurer and is
authorized or permitted under Section 11.01(c).

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(b) This  Agreement or any Custodial  Agreement may also be amended from time to
time by the Depositor,  the Master Servicer, the Trustee with the consent of the
Insurer and 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, or

(ii)  adversely  affect in any  material  respect the interest of the Holders of
Certificates  of any Class in a manner  other  than as  described  in clause (i)
hereof without the consent of Holders of Certificates of such Class  evidencing,
as to such Class, Percentage Interests aggregating not less than 66%, or

(iii) 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  and subject to
Section  10.01(f)  (in the case of an  imposition  of  federal  tax on the Trust
Fund),  the Trustee shall not consent to any amendment to this Agreement  unless
it shall have first  received an Opinion of Counsel (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 Depositor or the Trustee in accordance
with such  amendment  will not result in the  imposition of a federal tax on the
Trust Fund or cause  REMIC I, REMIC II or REMIC III to fail to qualify as REMICs
at any time that any Certificate is  outstanding.  The Trustee may but shall not
be obligated to enter into any  amendment  pursuant to this Section that affects
its rights,  duties and immunities  and this  agreement or otherwise;  provided,
however, such consent shall not be unreasonably withheld.

(d) Promptly after the execution of any such amendment the Trustee shall furnish
written   notification   of  the   substance   of   such   amendment   to   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 Depositor 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 R  Certificates  against any or all Realized  Losses or

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other  shortfalls.  Any such instrument or fund shall be held by the Trustee for
the benefit of the Class R Certificateholders, but shall not be and shall not be
deemed to be under any  circumstances  included in the REMIC. 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 REMIC,  (ii) any such reserve fund shall be owned by the
Depositor,  and (iii) amounts  transferred by the REMIC to any such reserve fund
shall be treated as amounts  distributed  by the REMIC to the  Depositor  or any
successor, all within the meaning of Treasury regulations Section 1.860G-2(h) in
effect 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  Depositor  and such  related  insurer  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  Certificateholders,  the
Master  Servicer or the Trustee,  as  applicable;  provided  that the  Depositor
obtains  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 of REMIC I,  REMIC II or REMIC III to fail to  qualify as a REMIC at
any time that any Certificate is outstanding.

(f) In  addition  to the  foregoing,  any  amendment  of  Section  4.08  of this
Agreement  shall require the consent of the Limited  Repurchase  Right Holder as
third-party beneficiary.

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 the  Insurer or 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 or the Insurer.

(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.

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<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 and the Insurer a written notice of default and of the
continuance thereof, as hereinbefore  provided and such default would not result
in a claim under the Policy,  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 Insurer shall have given its written  consent,  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.

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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 (a) in the case of the
Depositor,  8400 Normandale Lake Boulevard,  Suite 250,  Minneapolis,  Minnesota
55437,  Attention:  President  (RAMP), or such other address as may hereafter be
furnished to the Master  Servicer  and the Trustee in writing by the  Depositor;
(b) in the case of the Master  Servicer,  2255 North  Ontario  Street,  Burbank,
California 91504-3120,  Attention:  Bond Administration or such other address as
may be  hereafter  furnished  to the  Depositor  and the  Trustee  by the Master
Servicer  in writing;  (c) in the case of the  Trustee,  4 New York  Plaza,  6th
Floor, New York, New York 10004, Attention:  Residential Asset Mortgage Products
Inc.  Series 2003-RZ2 or such other address as may hereafter be furnished to the
Depositor and the Master Servicer in writing by the Trustee;  (d) in the case of
Standard & Poor's, 55 Water Street, New York, New York 10041 Attention: Mortgage
Surveillance  or  such  other  address  as may  be  hereafter  furnished  to the
Depositor,  Trustee and Master Servicer by Standard & Poor's; (e) in the case of
Moody's, 99 Church Street, New York, New York 10007,  Attention:  ABS Monitoring
Department,  or  such  other  address  as  may  be  hereafter  furnished  to the
Depositor, the Trustee and the Master Servicer in writing by Moody's; and (f) in
the case of the Insurer,  Ambac Assurance  Corporation,  One State Street Plaza,
19th Floor, New York, New York 10004 Attention: Consumer Asset-Backed Securities
Group or such other  address  as may be  hereafter  furnished  in writing by the
Insurer.  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  Notices to Rating Agencies and the Insurer.
               ------------------------------------------

        The Depositor,  the Master Servicer or the Trustee,  as applicable,  (a)
shall notify each Rating  Agency and the Insurer 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 (i), (ii), (iii),  (iv), (vii),  (viii),  (ix) or
(x) below,  (b) shall  notify 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 (i), (ii),  (iii)(1),  (vii)(1) or (ix) below, or
(c)  provide  a copy to each  Rating  Agency  and the  Insurer  at such  time as
otherwise  required to be  delivered  pursuant to this  Agreement  of any of the
statements described in clauses (v) and (vi) below:

(i) a material change or amendment to this Agreement,

(ii) the occurrence of an Event of Default,

(iii) (1) the  termination or appointment of a successor  Master Servicer or (2)
the  termination  or  appointment  of a  successor  Trustee  or a change  in the
majority ownership of the Trustee,

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<PAGE>

(iv) 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,

(v) the  statement  required  to be  delivered  to the  Holders of each Class of
Certificates pursuant to Section 4.03,

(vi) the statements required to be delivered pursuant to Sections 3.18 and 3.19,

(vii) (1) a change in the location of the  Custodial  Account or (2) a change in
the location of the Certificate Account,

(viii) 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,

(ix) the occurrence of the Final Distribution Date, and

(x) 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 (iv),  (vii) or (viii)  above,  the Master  Servicer  shall
provide  prompt  written  notice to each  Rating  Agency,  the  Insurer  and the
Subservicer, if applicable, of any such event known to the Master Servicer.

        In addition  to the above  delivery  requirements,  the  Depositor,  the
Master  Servicer or the  Trustee,  as  applicable,  shall  provide a copy to the
Insurer at such time as  otherwise  required  to be  delivered  pursuant to this
Agreement of any of written confirmation, written notice or legal opinion.

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 or of the
Insurer.

Section 11.08  Supplemental Provisions for Resecuritization.
               --------------------------------------------

(a) 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 Depositor or any of its  Affiliates  (or any
designee thereof) is the registered Holder (the  "Resecuritized  Certificates"),
the  Depositor  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  Depositor,  the  Master

                                      144
<PAGE>

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  to the  purposes  thereof.  In
connection with each  Supplemental  Article,  the Depositor 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 any of REMIC I, REMIC II or
REMIC III as a REMIC or result in the  imposition  of a tax upon the Trust  Fund
(including  but not limited to the tax on prohibited  transaction  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 Third-Party Beneficiary.

        The  Limited   Repurchase   Right  Holder  is  an  express   third-party
beneficiary  of  Section  4.08 of this  Agreement,  and shall  have the right to
enforce the related provisions of Section 4.08 of this Agreement as if it were a
party hereto.

Section 11.10  Rights of the Insurer

        (a) The Insurer is an express third-party beneficiary of this Agreement.

        (b)  On  each   Distribution  Date  the  Trustee  shall  make  available
electronically  to the Insurer a copy of the reports  furnished to the Class A-1
Certificateholders and the Depositor on such Distribution Date.

        (c) The  Trustee  shall  provide to the  Insurer  copies of any  report,
notice,  Opinion of  Counsel,  Officer's  Certificate,  request  for  consent or
request for amendment to any document related hereto promptly upon the Trustee's
production or receipt thereof.

        (d) Unless an Insurer  Default  exists,  the Trustee  and the  Depositor
shall not agree to any amendment to this Agreement without first having obtained
the  prior  written  consent  of  the  Insurer,   which  consent  shall  not  be
unreasonably withheld.

        (e) So long as there does not exist a failure  by the  Insurer to make a
required payment under the Policy,  the Insurer shall have the right to exercise
all rights of the  Holders of the Class A-1  Certificates  under this  Agreement
without any consent of such  Holders,  and such Holders may exercise such rights
only with the prior written consent of the Insurer, except as provided herein.

        (f) The Insurer  shall not be  entitled  to  exercise  any of its rights
hereunder  so long as there  exists a failure by the  Insurer to make a required
payment under the Policy.

                                      145
<PAGE>

        IN WITNESS WHEREOF,  the Depositor,  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 date and year first above written.

                                      146
<PAGE>

                                      RESIDENTIAL ASSET MORTGAGE PRODUCTS, INC.

[Seal]                                             By:  /s/  Michael  Mead Name:
                                                   Michael   Mead  Title:   Vice
                                                   President
Attest:

  /s/ Julie Steinhagen
Name:   Julie Steinhagen
Title:  Vice President
                                            RESIDENTIAL FUNDING CORPORATION

[Seal]                                             By:   /s/  Julie   Steinhagen
                                                   Name: Julie Steinhagen Title:
                                                   Director
Attest:

  /s/ Michael Mead
Name:   Michael Mead
Title:  Associate
                                            JPMORGAN CHASE BANK,
                                             as Trustee

[Seal]                                             By:  /s/ Aranka R. Paul Name:
                                                   Aranka   R.    Paul    Title:
                                                   Assistant Vice President
Attest:

  /s/ Sora Jun
Name: Sora Jun
Title:  Trust Officer

                                      147
<PAGE>

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

        On the 2nd day of April,  2003,  before  me, a notary  public in and for
said State, personally appeared Michael Mead, known to me to be a Vice President
of Residential  Asset Mortgage  Products,  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 S. Bangerter
                                    Notary Public
[Notarial Seal]

<PAGE>

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

        On the 2nd day of April,  2003,  before  me, a notary  public in and for
said State,  personally appeared Julie Steinhagen,  known to me to be a Director
of Residential  Funding  Corporation,  one of the corporations that executed the
within  instrument,  and also known to me to be the person  who  executed  it on
behalf  of  said  corporation,  and  acknowledged  to me that  such  corporation
executed the within instrument.

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

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

<PAGE>

DOCSNY1:947342.6
6863-594 J48                                  107

STATE OF NEW YORK     )
                             ) ss.:
COUNTY OF NEW YORK    )

        On the 2nd day of April,  2003,  before  me, a notary  public in and for
said State,  personally  appeared Aranka R. Paul, known to me to be an Assistant
Vice  President  of JPMorgan  Chase Bank, a 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/ Margaret M. Price
                                    Notary Public
[Notarial Seal]

<PAGE>

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