Document:

Unassociated Document

 

CITIGROUP MORTGAGE LOAN TRUST INC.

Depositor

 

CITIMORTGAGE, INC.

Master Servicer and Trust Administrator

 

CITIBANK, N.A.

Paying Agent, Certificate Registrar and Authenticating Agent

 

and

 

U.S. BANK NATIONAL ASSOCIATION

Trustee

 

_________________________________________

POOLING AND SERVICING AGREEMENT

Dated as of October 1, 2006

_________________________________________

 

Mortgage Pass-Through Certificates

 

Series 2006-AR7

 

TABLE OF CONTENTS

 

	
ARTICLE I

DEFINITIONS

 

	
SECTION 1.01
	
Defined Terms.

	
SECTION 1.02
	
Allocation of Certain Interest Shortfalls.

 

	
ARTICLE II

CONVEYANCE OF MORTGAGE LOANS; ORIGINAL ISSUANCE OF CERTIFICATES

 

	
SECTION 2.01
	
Conveyance of Mortgage Loans.

	
SECTION 2.02
	
Acceptance of the Trust Fund by the Trustee.

	
SECTION 2.03
	
Repurchase or Substitution of Mortgage Loans by the Seller or the Depositor.

	
SECTION 2.04
	
Reserved.

	
SECTION 2.05
	
Representations, Warranties and Covenants of the Master Servicer.

	
SECTION 2.06
	
Issuance of the Certificates.

	
SECTION 2.07
	
Conveyance of the REMIC Regular Interests; Acceptance of the Trust REMICs by the Trustee.

 

	
ARTICLE III

ADMINISTRATION AND SERVICING OF THE MORTGAGE LOANS

 

	
SECTION 3.01
	
Master Servicer to Act as Master Servicer.

	
SECTION 3.02
	
Sub-Servicing Agreements Between the Master Servicer and Sub-Servicers.

	
SECTION 3.03
	
Successor Sub-Servicers.

	
SECTION 3.04
	
Liability of the Master Servicer.

	
SECTION 3.05
	
No Contractual Relationship Between Sub-Servicers and Trustee, Trust Administrator or Certificateholders.

	
SECTION 3.06
	
Assumption or Termination of Sub-Servicing Agreements by Trustee.

	
SECTION 3.07
	
Collection of Certain Mortgage Loan Payments.

	
SECTION 3.08
	
Sub-Servicing Accounts.

	
SECTION 3.09
	
Collection of Taxes, Assessments and Similar Items; Servicing Accounts.

	
SECTION 3.10
	
Collection Account and Distribution Account.

	
SECTION 3.11
	
Withdrawals from the Collection Account and Distribution Account.

	
SECTION 3.12
	
Investment of Funds in the Collection Account and the Distribution Account.

	
SECTION 3.13
	
Maintenance of the Primary Mortgage Insurance Policies; Collections Thereunder.

	
SECTION 3.14
	
Maintenance of Hazard Insurance and Errors and Omissions and Fidelity Coverage.

	
SECTION 3.15
	
Enforcement of Due-On-Sale Clauses; Assumption Agreements.

	
SECTION 3.16
	
Realization Upon Defaulted Mortgage Loans.

	
SECTION 3.17
	
Trustee to Cooperate; Release of Mortgage Files.

	
SECTION 3.18
	
Servicing Compensation.

	
SECTION 3.19
	
Reports to the Trust Administrator; Collection Account Statements.

	
SECTION 3.20
	
Statement as to Compliance.

	
SECTION 3.21
	
Assessments of Compliance and Attestation Reports.

	
SECTION 3.22
	
Access to Certain Documentation.

	
SECTION 3.23
	
Title, Management and Disposition of REO Property.

	
SECTION 3.24
	
Obligations of the Master Servicer in Respect of Prepayment Interest Shortfalls.

	
SECTION 3.25
	
Obligations of the Master Servicer in Respect of Monthly Payments.

 

	
ARTICLE IV

PAYMENTS TO CERTIFICATEHOLDERS

 

	
SECTION 4.01
	
Distributions.

	
SECTION 4.02
	
Statements to Certificateholders.

	
SECTION 4.03
	
Remittance Reports; P&I Advances.

	
SECTION 4.04
	
Allocation of Extraordinary Trust Fund Expenses and Realized Losses.

	
SECTION 4.05
	
Compliance with Withholding Requirements.

	
SECTION 4.06
	
Commission Reporting.

	
SECTION 4.07
	
Distributions and Allocations of Realized Losses on the REMIC Regular Interests.

 

	
ARTICLE V

THE CERTIFICATES

 

	
SECTION 5.01
	
The Certificates.

	
SECTION 5.02
	
Registration of Transfer and Exchange of Certificates.

	
SECTION 5.03
	
Mutilated, Destroyed, Lost or Stolen Certificates.

	
SECTION 5.04
	
Persons Deemed Owners.

	
SECTION 5.05
	
Certain Available Information.

 

	
ARTICLE VI

THE DEPOSITOR AND THE MASTER SERVICER

 

	
SECTION 6.01
	
Liability of the Depositor and the Master Servicer.

	
SECTION 6.02
	
Merger or Consolidation of the Depositor or the Master Servicer.

	
SECTION 6.03
	
Limitation on Liability of the Depositor, the Master Servicer and Others.

	
SECTION 6.04
	
Limitation on Resignation of the Master Servicer.

	
SECTION 6.05
	
Rights of the Depositor in Respect of the Master Servicer.

	
SECTION 6.06
	
Duties of the Credit Risk Manager.

	
SECTION 6.07
	
Limitation Upon Liability of the Credit Risk Manager.

	
SECTION 6.08
	
Removal of the Credit Risk Manager.

 

	
ARTICLE VII

DEFAULT

 

	
SECTION 7.01
	
Master Servicer Events of Default.

	
SECTION 7.02
	
Trustee to Act; Appointment of Successor.

	
SECTION 7.03
	
Notification to Certificateholders.

	
SECTION 7.04
	
Waiver of Master Servicer Events of Default.

 

	
ARTICLE VIII

CONCERNING THE TRUSTEE, THE TRUST ADMINISTRATOR, THE PAYING AGENT, THE CERTIFICATE REGISTRAR AND THE AUTHENTICATING AGENT

 

	
SECTION 8.01
	
Duties of Trustee, Trust Administrator and Others.

	
SECTION 8.02
	
Certain Matters Affecting the Trustee, the Trust Administrator and Others.

	
SECTION 8.03
	
Trustee, Trust Administrator and Others not Liable for Certificates or Mortgage Loans.

	
SECTION 8.04
	
Trustee, Trust Administrator and Others May Own Certificates.

	
SECTION 8.05
	
Trustee’s, Trust Administrator’s, Paying Agent’s, Authenticating Agent’s, Certificate Registrar’s and Custodians’ Fees and Expenses.

	
SECTION 8.06
	
Eligibility Requirements for Trustee and Trust Administrator.

	
SECTION 8.07
	
Resignation and Removal of the Trustee and the Trust Administrator.

	
SECTION 8.08
	
Successor Trustee or Trust Administrator.

	
SECTION 8.09
	
Merger or Consolidation of Trustee or Trust Administrator.

	
SECTION 8.10
	
Appointment of Co-Trustee or Separate Trustee.

	
SECTION 8.11
	
[intentionally omitted]

	
SECTION 8.12
	
Appointment of Office or Agency.

	
SECTION 8.13
	
Representations and Warranties.

	
SECTION 8.14
	
Appointment and Removal of Paying Agent, Authenticating Agent and Certificate Registrar.

	
SECTION 8.15
	
No Trustee Liability for Actions or Inactions of Custodians.

 

	
ARTICLE IX

TERMINATION

 

	
SECTION 9.01
	
Termination Upon Repurchase or Liquidation of the Mortgage Loans.

	
SECTION 9.02
	
Additional Termination Requirements.

 

	
ARTICLE X

REMIC PROVISIONS

 

	
SECTION 10.01
	
REMIC Administration.

	
SECTION 10.02
	
Prohibited Transactions and Activities.

	
SECTION 10.03
	
Master Servicer and Trust Administrator Indemnification.

 

	
ARTICLE XI

MISCELLANEOUS PROVISIONS

 

	
SECTION 11.01
	
Amendment.

	
SECTION 11.02
	
Recordation of Agreement; Counterparts.

	
SECTION 11.03
	
Limitation on Rights of Certificateholders.

	
SECTION 11.04
	
Governing Law.

	
SECTION 11.05
	
Notices.

	
SECTION 11.06
	
Severability of Provisions.

	
SECTION 11.07
	
Notice to Rating Agencies.

	
SECTION 11.08
	
Article and Section References.

	
SECTION 11.09
	
Grant of Security Interest.

	
SECTION 11.10
	
Intention of the Parties and Interpretation.

	 	 
	 	 
	
EXHIBITS

 
	 
	
Exhibit A-1
	
Form of Class 1-A1 Certificate

	
Exhibit A-2
	
Form of Class 1-A2A Certificate

	
Exhibit A-3
	
Form of Class 1-A2B Certificates

	
Exhibit A-4
	
Form of Class 1-2IO Certificate

	
Exhibit A-5
	
Form of Class 1-A3A Certificate

	
Exhibit A-6
	
Form of Class 1-A3B Certificate

	
Exhibit A-7
	
Form of Class 1-3IO Certificate

	
Exhibit A-8
	
Form of Class 1-A4A Certificate

	
Exhibit A-9
	
Form of Class 1-A4B Certificate

	
Exhibit A-10
	
Form of Class 1-4IO Certificate

	
Exhibit A-11
	
Form of Class 1-B1 Certificate

	
Exhibit A-12
	
Form of Class 1-B2 Certificate

	
Exhibit A-13
	
Form of Class 1-B3 Certificate

	
Exhibit A-14
	
Form of Class 1-B4 Certificate

	
Exhibit A-15
	
Form of Class 1-B5 Certificate

	
Exhibit A-16
	
Form of Class 1-B6 Certificate

	
Exhibit A-17
	
Form of Class 1-P Certificate

	
Exhibit A-18
	
Form of Class 1-R Certificate

	
Exhibit A-19
	
Form of Class 2-A1A Certificate

	
Exhibit A-20
	
Form of Class 2-A1B Certificate

	
Exhibit A-21
	
Form of Class 2-1IO Certificate

	
Exhibit A-22
	
Form of Class 2-A2A Certificate

	
Exhibit A-23
	
Form of Class 2-A2B Certificate

	
Exhibit A-24
	
Form of Class 2-2IO Certificate

	
Exhibit A-25
	
Form of Class 2-A3A Certificate

	
Exhibit A-26
	
Form of Class 2-A3B Certificate

	
Exhibit A-27
	
Form of Class 2-3IO Certificate

	
Exhibit A-28
	
Form of Class 2-A4A Certificate

	
Exhibit A-29
	
Form of Class 2-A4B Certificate

	
Exhibit A-30
	
Form of Class 2-4IO Certificate

	
Exhibit A-31
	
Form of Class 2-B1 Certificate

	
Exhibit A-32
	
Form of Class 2-B2 Certificate

	
Exhibit A-33
	
Form of Class 2-B3 Certificate

	
Exhibit A-34
	
Form of Class 2-B4 Certificate

	
Exhibit A-35
	
Form of Class 2-B5 Certificate

	
Exhibit A-36
	
Form of Class 2-B6 Certificate

	
Exhibit A-37
	
Form of Class 2-P Certificate

	
Exhibit A-38
	
Form of Class 2-R Certificate

	
Exhibit B
	
Form 10-D, Form 8-K and Form 10-K Reporting Responsibility

	
Exhibit C
	
Servicing Criteria to be Addressed in Assessment of Compliance

	
Exhibit D
	
Form of Mortgage Loan Purchase Agreement

	
Exhibit E
	
Request for Release

	
Exhibit F-1
	
Form of Transferor Representation Letter and Form of Transferee Representation Letter in Connection with Transfer of the Private Certificates Pursuant to Rule 144A Under the 1933 Act

	
Exhibit F-2
	
Form of Transfer Affidavit and Agreement and Form of Transferor Affidavit in Connection with Transfer of Residual Certificates

	
Exhibit G
	
Form of Certification with respect to ERISA and the Code

	
Exhibit H
	
Form of Master Servicer Certification 

	
Exhibit I
	
Form of Back-up Certification

	 	 
	
Schedule 1
	
Mortgage Loan Schedule

This Pooling and Servicing Agreement, is dated and effective as of October 1, 2006, among CITIGROUP MORTGAGE LOAN TRUST INC., as Depositor, CITIMORTGAGE, INC., as Master Servicer and Trust Administrator, CITIBANK, N.A. as Paying Agent, Certificate Registrar and Authenticating Agent and U.S. BANK NATIONAL ASSOCIATION, as Trustee.

 

PRELIMINARY STATEMENT:

 

The Depositor intends to sell pass-through certificates to be issued hereunder in multiple classes, which in the aggregate will evidence the entire beneficial ownership interest in each REMIC (as defined herein) created hereunder. The Trust Fund will consist of a segregated pool of assets comprised of the Mortgage Loans and certain other related assets subject to this Agreement.

 

REMIC I-A

 

As provided herein, the Trust Administrator will elect to treat the segregated pool of assets consisting of the Group 1 Mortgage Loans and certain other related assets subject to this Agreement as a REMIC (as defined herein) for federal income tax purposes, and such segregated pool of assets will be designated as “REMIC I-A”. The Class R-IA Residual Interest will be the sole class of “residual interests” in REMIC I-A for purposes of the REMIC Provisions (as defined herein). The following table irrevocably sets forth the designation, the REMIC I-A Remittance Rate, the initial Uncertificated Balance and, for purposes of satisfying Treasury regulation Section 1.860G-1(a)(4)(iii), the “latest possible maturity date” for each of the REMIC I-A Regular Interests (as defined herein). None
of the REMIC I-A Regular Interests will be certificated. 

 

	
Designation
	 	
REMIC I-A 

Remittance Rate
	 	
Initial Uncertificated Balance
	 	
Latest Possible Maturity Date(1)

	
LT-1A
	 	
(2)
	 	
$
	
22,843.32
	 	
June 25, 2046

	
LT-1B
	 	
(2)
	 	
$
	
577,363.34
	 	
June 25, 2046

	
LT-2A
	 	
(2)
	 	
$
	
134,883.00
	 	
June 25, 2046

	
LT-2B
	 	
(2)
	 	
$
	
3,415,183.00
	 	
June 25, 2046

	
LT-3A
	 	
(2)
	 	
$
	
873,361.02
	 	
June 25, 2046

	
LT-3B
	 	
(2)
	 	
$
	
22,109,361.02
	 	
June 25, 2046

	
LT-4A
	 	
(2)
	 	
$
	
726,926.26
	 	
June 25, 2046

	
LT-4B
	 	
(2)
	 	
$
	
18,402,226.26
	 	
June 25, 2046

	
LT-ZZZ
	 	
(2)
	 	
$
	
398,778,988.78
	 	
June 25, 2046

	
LT-P
	 	
(2)
	 	
$
	
100.00
	 	
June 25, 2046

	
LT-R
	 	
(2)
	 	
$
	
100.23
	 	
June 25, 2046

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

 

	
(2)
	
Calculated in accordance with the definition of “REMIC I-A Remittance Rate” herein.

 

 

REMIC I-B

 

As provided herein, the Trust Administrator will elect to treat the segregated pool of assets consisting of the REMIC I-A Regular Interests subject to this Agreement as a REMIC (as defined herein) for federal income tax purposes, and such segregated pool of assets will be designated as “REMIC I-B”. The Class R-IB Residual Interest will be the sole class of “residual interests” in REMIC I-B for purposes of the REMIC Provisions (as defined herein). The following table irrevocably sets forth the designation, the REMIC I-B Remittance Rate, the initial Uncertificated Balance and, for purposes of satisfying Treasury regulation Section 1.860G-1(a)(4)(iii), the “latest possible maturity date” for each of the REMIC I-B Regular Interests (as defined herein). None of the REMIC I-B Regular
Interests will be certificated.

 

	
Designation
	 	
REMIC I-B Remittance Rate(2)
	
Initial 

Uncertificated Balance
	 	
Latest Possible Maturity Date(1)

	
LT1-A1
	 	
(2)
	
$
	
5,545,000.00
	 	 	
June 25, 2046

	
LT1-A2A
	 	
(2)
	
$
	
31,454,000.00
	 	 	
June 25, 2046

	
LT1-A2B
	 	
(2)
	
$
	
1,349,000.00
	 	 	
June 25, 2046

	
LT1-A3A
	 	
(2)
	
$
	
203,626,000.00
	 	 	
June 25, 2046

	
LT1-A3B
	 	
(2)
	
$
	
8,734,000.00
	 	 	
June 25, 2046

	
LT1-A4A
	 	
(2)
	
$
	
169,483,000.00
	 	 	
June 25, 2046

	
LT1-A4B
	 	
(2)
	
$
	
7,270,000.00
	 	 	
June 25, 2046

	
LT1-P
	 	
(2)
	
$
	
100.00
	 	 	
June 25, 2046

	
LT1-R
	 	
(2)
	
$
	
100.23
	 	 	
June 25, 2046

	
LT1-B1
	 	
(2)
	
$
	
8,902,000.00
	 	 	
June 25, 2046

	
LT1-B2
	 	
(2)
	
$
	
2,893,000.00
	 	 	
June 25, 2046

	
LT1-B3
	 	
(2)
	
$
	
2,225,000.00
	 	 	
June 25, 2046

	
LT1-B4
	 	
(2)
	
$
	
1,335,000.00
	 	 	
June 25, 2046

	
LT1-B5
	 	
(2)
	
$
	
1,113,000.00
	 	 	
June 25, 2046

	
LT1-B6
	 	
(2)
	
$
	
1,112,136.00
	 	 	
June 25, 2046

	
(1)
	
For purposes of Section 1.860G-1(a)(4)(iii) of the Treasury regulations, the Distribution Date immediately following the maturity date for the Group 1 Mortgage Loan with the latest maturity date has been designated as the “latest possible maturity date” for each Class of Certificates.

 

	
(2)
	
Calculated in accordance with the definition of “REMIC I-B Remittance Rate” herein.

 

 

REMIC I-C

 

As provided herein, the Trust Administrator will elect to treat the segregated pool of assets consisting of the REMIC I-B Regular Interests subject to this Agreement as a REMIC (as defined herein) for federal income tax purposes, and such segregated pool of assets will be designated as “REMIC I-C”. The Class R-IC Residual Interest will be the sole class of “residual interests” in REMIC I-C for purposes of the REMIC Provisions (as defined herein). The following table irrevocably sets forth the designation, the Pass-Through Rate, the Initial Certificate Principal Balance and, for purposes of satisfying Treasury regulation Section 1.860G-1(a)(4)(iii), the “latest possible maturity date” for each of the Classes of Certificates that evidence “regular interests” in REMIC I-C.

 

	
Designation
	 	
Pass-Through

Rate(2)
	 	
Initial Aggregate

Certificate Principal Balance
	 	
Latest Possible

Maturity Date(1)

	
Class 1-A1
	 	
(2)
	 	
$
	
5,545,000.00
	 	
June 25, 2046

	
Class 1-A2A
	 	
(2)
	 	
$
	
31,454,000.00
	 	
June 25, 2046

	
Class 1-A2B
	 	
(2)
	 	
$
	
1,349,000.00
	 	
June 25, 2046

	
Class 1-2IO
	 	
(2)
	 	
$
	
(3)
	 	
June 25, 2046

	
Class 1-A3A
	 	
(2)
	 	
$
	
203,626,000.00
	 	
June 25, 2046

	
Class 1-A3B
	 	
(2)
	 	
$
	
8,734,000.00
	 	
June 25, 2046

	
Class 1-3IO
	 	
(2)
	 	
$
	
(3)
	 	
June 25, 2046

	
Class 1-A4A
	 	
(2)
	 	
$
	
169,483,000.00
	 	
June 25, 2046

	
Class 1-A4B
	 	
(2)
	 	
$
	
7,270,000.00
	 	
June 25, 2046

	
Class 1-4IO
	 	
(2)
	 	
$
	
(3)
	 	
June 25, 2046

	
Class 1-R
	 	
(2)
	 	
$
	
100.23
	 	
June 25, 2046

	
Class 1-P
	 	
(2)
	 	
$
	
100.00
	 	
June 25, 2046

	
Class 1-B1
	 	
(2)
	 	
$
	
8,902,000.00
	 	
June 25, 2046

	
Class 1-B2
	 	
(2)
	 	
$
	
2,893,000.00
	 	
June 25, 2046

	
Class 1-B3
	 	
(2)
	 	
$
	
2,225,000.00
	 	
June 25, 2046

	
Class 1-B4
	 	
(2)
	 	
$
	
1,335,000.00
	 	
June 25, 2046

	
Class 1-B5
	 	
(2)
	 	
$
	
1,113,000.00
	 	
June 25, 2046

	
Class 1-B6
	 	
(2)
	 	
$
	
1,112,136.00
	 	
June 25, 2046

	
(1)
	
For purposes of Section 1.860G-1(a)(4)(iii) of the Treasury regulations, the Distribution Date immediately following the maturity date for the Group 1 Mortgage Loan with the latest maturity date has been designated as the “latest possible maturity date” for each Class of Certificates.

 

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

 

	
(3)
	
The Class 1-2IO, Class 1-3IO and Class 1-4IO Certificates will not have a Certificate Principal Balance, but will accrue interest at the Pass-Through Rate for such class on the Notional Amount as defined herein. 

 

REMIC II-A

 

As provided herein, the Trust Administrator will elect to treat the segregated pool of assets consisting of the Group 2 Mortgage Loans and certain other related assets subject to this Agreement as a REMIC (as defined herein) for federal income tax purposes, and such segregated pool of assets will be designated as “REMIC II-A”. The Class R-IIA Residual Interest will be the sole class of “residual interests” in REMIC II-A for purposes of the REMIC Provisions (as defined herein). The following table irrevocably sets forth the designation, the REMIC II-A Remittance Rate, the initial Uncertificated Balance and, for purposes of satisfying Treasury regulation Section 1.860G-1(a)(4)(iii), the “latest possible maturity date” for each of the REMIC II-A Regular Interests (as defined herein).
None of the REMIC II-A Regular Interests will be certificated.

 

	
Designation
	 	
REMIC II-A Remittance Rate
	 	
Initial Uncertificated Balance
	 	
Latest Possible Maturity Date(1)

	
LT-1A
	 	
(2)
	 	
$
	
192,818.48
	 	
September 25, 2036

	
LT-1B
	 	
(2)
	 	
$
	
3,268,238.48
	 	
September 25, 2036

	
LT-2A
	 	
(2)
	 	
$
	
1,511,157.28
	 	
September 25, 2036

	
LT-2B
	 	
(2)
	 	
$
	
25,613,157.28
	 	
September 25, 2036

	
LT-3A
	 	
(2)
	 	
$
	
755,331.38
	 	
September 25, 2036

	
LT-3B
	 	
(2)
	 	
$
	
12,801,731.38
	 	
September 25, 2036

	
LT-4A
	 	
(2)
	 	
$
	
498,574.98
	 	
September 25, 2036

	
LT-4B
	 	
(2)
	 	
$
	
8,450,474.98
	 	
September 25, 2036

	
LT-ZZZ
	 	
(2)
	 	
$
	
448,244,336.99
	 	
September 25, 2036

	
LT-R
	 	
(2)
	 	
$
	
100.24
	 	
September 25, 2036

	
LT-P
	 	
(3)
	 	
$
	
100.00
	 	
September 25, 2036

	
(1)
	
For purposes of Section 1.860G-1(a)(4)(iii) of the Treasury regulations, the Distribution Date immediately following the maturity date for the Group 2 Mortgage Loan with the latest maturity date has been designated as the “latest possible maturity date” for each REMIC II-A Regular Interest.

 

	
(2)
	
Calculated in accordance with the definition of “REMIC II-A Remittance Rate” herein.

 

	
(3)
	
The REMIC II-A Regular Interest LT-P is a principal only regular interest and will not have a REMIC II-A Remittance Rate or accrue interest.

 

REMIC II-B

 

As provided herein, the Trust Administrator will elect to treat the segregated pool of assets consisting of the REMIC II-A Regular Interests subject to this Agreement as a REMIC (as defined herein) for federal income tax purposes, and such segregated pool of assets will be designated as “REMIC II-B”. The Class R-IIB Residual Interest will be the sole class of “residual interests” in REMIC II-B for purposes of the REMIC Provisions (as defined herein). The following table irrevocably sets forth the designation, the REMIC II-B Remittance Rate, the initial Uncertificated Balance and, for purposes of satisfying Treasury regulation Section 1.860G-1(a)(4)(iii), the “latest possible maturity date” for each of the REMIC II-B Regular Interests (as defined herein). None of the REMIC II-B
Regular Interests will be certificated.

 

	
Designation
	 	
REMIC II-B Remittance Rate(2)
	
Initial 

Uncertificated Balance
	 	
Latest Possible Maturity Date(1)

	
LT2-A1A
	 	
(2)
	
$
	
28,825,000.00
	 	 	
September 25, 2036

	
LT2-A1B
	 	
(2)
	
$
	
1,929,000.00
	 	 	
September 25, 2036

	
LT2-A2A
	 	
(2)
	
$
	
225,908,000.00
	 	 	
September 25, 2036

	
LT2-A2B
	 	
(2)
	
$
	
15,112,000.00
	 	 	
September 25, 2036

	
LT2-A3A
	 	
(2)
	
$
	
112,910,000.00
	 	 	
September 25, 2036

	
LT2-A3B
	 	
(2)
	
$
	
7,554,000.00
	 	 	
September 25, 2036

	
LT2-A4A
	 	
(2)
	
$
	
74,533,000.00
	 	 	
September 25, 2036

	
LT2-A4B
	 	
(2)
	
$
	
4,986,000.00
	 	 	
September 25, 2036

	
LT2-P
	 	
(2)
	
$
	
100.00
	 	 	
September 25, 2036

	
LT2-R
	 	
(2)
	
$
	
100.24
	 	 	
September 25, 2036

	
LT2-B1
	 	
(2)
	
$
	
11,029,000.00
	 	 	
September 25, 2036

	
LT2-B2
	 	
(2)
	
$
	
6,016,000.00
	 	 	
September 25, 2036

	
LT2-B3
	 	
(2)
	
$
	
3,760,000.00
	 	 	
September 25, 2036

	
LT2-B4
	 	
(2)
	
$
	
4,512,000.00
	 	 	
September 25, 2036

	
LT2-B5
	 	
(2)
	
$
	
2,256,000.00
	 	 	
September 25, 2036

	
LT2-B6
	 	
(2)
	
$
	
2,005,821.00
	 	 	
September 25, 2036

 

	
(1)
	
For purposes of Section 1.860G-1(a)(4)(iii) of the Treasury regulations, the Distribution Date immediately following the maturity date for the Group 2 Mortgage Loan with the latest maturity date has been designated as the “latest possible maturity date” for each Class of Certificates.

 

	
(2)
	
Calculated in accordance with the definition of “REMIC II-B Remittance Rate” herein.

 

REMIC II-C

 

As provided herein, the Trust Administrator will elect to treat the segregated pool of assets consisting of the REMIC II-B Regular Interests subject to this Agreement as a REMIC (as defined herein) for federal income tax purposes, and such segregated pool of assets will be designated as “REMIC II-C”. The Class R-IIC Residual Interest will be the sole class of “residual interests” in REMIC II-C for purposes of the REMIC Provisions (as defined herein). The following table irrevocably sets forth the designation, the Pass-Through Rate, the Initial Certificate Principal Balance and, for purposes of satisfying Treasury regulation Section 1.860G-1(a)(4)(iii), the “latest possible maturity date” for each of the Classes of Certificates that evidence “regular interests” in REMIC
II-C. 

 

	
Designation
	 	
Pass-Through

Rate(2)
	 	
Initial Aggregate

Certificate Principal Balance
	 	
Latest Possible

Maturity Date(1)

	
Class 2-A1A
	 	
(2)
	 	
$
	
28,825,000.00
	 	
September 25, 2036

	
Class 2-A1B
	 	
(2)
	 	
$
	
1,929,000.00
	 	
September 25, 2036

	
Class 2-1IO
	 	
(2)
	 	
$
	
(3)
	 	
September 25, 2036

	
Class 2-A2A
	 	
(2)
	 	
$
	
225,908,000.00
	 	
September 25, 2036

	
Class 2-A2B
	 	
(2)
	 	
$
	
15,112,000.00
	 	
September 25, 2036

	
Class 2-2IO
	 	
(2)
	 	
$
	
(3)
	 	
September 25, 2036

	
Class 2-A3A
	 	
(2)
	 	
$
	
112,910,000.00
	 	
September 25, 2036

	
Class 2-A3B
	 	
(2)
	 	
$
	
7,554,000.00
	 	
September 25, 2036

	
Class 2-3IO
	 	
(2)
	 	
$
	
(3)
	 	
September 25, 2036

	
Class 2-A4A
	 	
(2)
	 	
$
	
74,533,000.00
	 	
September 25, 2036

	
Class 2-A4B
	 	
(2)
	 	
$
	
4,986,000.00
	 	
September 25, 2036

	
Class 2-4IO
	 	
(2)
	 	
$
	
(3)
	 	
September 25, 2036

	
Class 2-R
	 	
(2)
	 	
$
	
100.24
	 	
September 25, 2036

	
Class 2-P
	 	
(2)
	 	
$
	
100.00
	 	
September 25, 2036

	
Class 2-B1
	 	
(2)
	 	
$
	
11,029,000.00
	 	
September 25, 2036

	
Class 2-B2
	 	
(2)
	 	
$
	
6,016,000.00
	 	
September 25, 2036

	
Class 2-B3
	 	
(2)
	 	
$
	
3,760,000.00
	 	
September 25, 2036

	
Class 2-B4
	 	
(2)
	 	
$
	
4,512,000.00
	 	
September 25, 2036

	
Class 2-B5
	 	
(2)
	 	
$
	
2,256,000.00
	 	
September 25, 2036

	
Class 2-B6
	 	
(2)
	 	
$
	
2,005,821.00
	 	
September 25, 2036

	
(1)
	
For purposes of Section 1.860G-1(a)(4)(iii) of the Treasury regulations, the Distribution Date immediately following the maturity date for the Group 2 Mortgage Loan with the latest maturity date has been designated as the “latest possible maturity date” for each Class of Certificates.

 

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

 

	
(3)
	
The Class 2-1IO, Class 2-2IO, Class 2-3IO and Class 2-4IO Certificates will not have a Certificate Principal Balance, but will accrue interest at the Pass-Through Rate for such class on the Notional Amount as defined herein. 

 

As of the Cut-off Date, the Group 1 Mortgage Loans had an aggregate Scheduled Principal Balance equal to $445,041,336.23. As of the Cut-off Date, the Group 1-1 Mortgage Loans had an aggregate Scheduled Principal Balance equal to $5,773,633.41. As of the Cut-off Date, the Group 1-2 Mortgage Loans had an aggregate Scheduled Principal Balance equal to $34,151,830.04. As of the Cut-off Date, the Group 1-3 Mortgage Loans had an aggregate Scheduled Principal Balance equal to $221,093,610.19. As of the Cut-off Date, the Group 1-4 Mortgage Loans had an aggregate Scheduled Principal Balance equal to $184,022,262.59. As of the Cut-off Date, the Group 2
Mortgage Loans had an aggregate Scheduled Principal Balance equal to $501,336,021.24. As of the Cut-off Date, the Group 2-1 Mortgage Loans had an aggregate Scheduled Principal Balance equal to $32,682,384.83. As of the Cut-off Date, the Group 2-2 Mortgage Loans had an aggregate Scheduled Principal Balance equal to $256,131,572.75. As of the Cut-off Date, the Group 2-3 Mortgage Loans had an aggregate Scheduled Principal Balance equal to $128,017,313.84. As of the Cut-off Date, the Group 2-4 Mortgage Loans had an aggregate Scheduled Principal Balance equal to $84,504,749.82. 

 

In consideration of the mutual agreements herein contained, the Depositor, the Master Servicer, the Trust Administrator, the Paying Agent, the Authenticating Agent, the Certificate Registrar and the Trustee agree as follows:

 

 

 

ARTICLE I

DEFINITIONS

 

	SECTION 1.01  	
Defined Terms.

 

Whenever used in this Agreement, including, without limitation, in the Preliminary Statement hereto, the following words and phrases, unless the context otherwise requires, shall have the meanings specified in this Article. Unless otherwise specified, all calculations described herein shall be made on the basis of a 360-day year consisting of twelve 30-day months.

 

“Adjustable-Rate Mortgage Loan”: Each Group 1 Mortgage Loan and Group 2 Mortgage Loan.

 

“Adjustment Amount”: With respect to each Collateral Pool and each anniversary of the Cut-off Date, an amount equal to the greatest of (i) 1.00% multiplied by the aggregate outstanding principal balance of the related Mortgage Loans, (ii) the aggregate outstanding principal balance of the related Mortgage Loans secured by Mortgaged Properties located in the California postal zip code area in which the highest percentage of related Mortgage Loans based on outstanding principal balance are located and (iii) two times the outstanding principal balance of the related Mortgage Loan having the largest outstanding principal balance, in each case as of such anniversary of the Cut-off Date.

 

“Adjustment Date”: With respect to each Adjustable-Rate Mortgage Loan, the first day of the month in which the Mortgage Rate of a Mortgage Loan changes pursuant to the related Mortgage Note. The first Adjustment Date following the Cut-off Date as to each Mortgage Loan is set forth in the Mortgage Loan Schedule. 

 

“Affiliate”: With respect to any specified Person, any other Person controlling or controlled by or under common control with such specified Person. For the purposes of this definition, “control” when used with respect to any specified Person 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.

 

“Aggregate Senior Percentage”: With respect to any Distribution Date and the Group 1 Senior Certificates, the lesser of (a) 100% and (b) a fraction, expressed as a percentage, the numerator of which is the aggregate Certificate Principal Balance of the Group 1 Senior Certificates for such Distribution Date and the denominator of which is the sum of (i) the aggregate Scheduled Principal Balance of the Group 1 Mortgage Loans as of the first day of the related Due Period, plus (ii) the aggregate Scheduled Principal Balance of the REO Properties in Collateral Pool 1. 

 

With respect to any Distribution Date and the Group 2 Senior Certificates, the lesser of (a) 100% and (b) a fraction, expressed as a percentage, the numerator of which is the aggregate Certificate Principal Balance of the Group 2 Senior Certificates for such Distribution Date and the denominator of which is the sum of (i) the aggregate Scheduled Principal Balance of the Group 2 Mortgage Loans as of the first day of the related Due Period, plus (ii) the aggregate Scheduled Principal Balance of the REO Properties in Collateral Pool 2. 

 

“Aggregate Subordinate Percentage”: With respect to any Distribution Date and the Group 1 Subordinate Certificates, 100% minus the related Aggregate Senior Percentage for such Distribution Date. With respect to any Distribution Date and the Group 2 Subordinate Certificates, 100% minus the related Aggregate Senior Percentage for such Distribution Date. 

 

“Agreement”: This Pooling and Servicing Agreement and all amendments hereof and supplements hereto. 

 

“American Home”: American Home Mortgage Corp., or its successor in interest.

 

“American Home Mortgage Loans”: The Mortgage Loans originated by American Home. 

 

“Assignment”: An assignment of Mortgage, notice of transfer or equivalent instrument, in recordable form, which is sufficient under the laws of the jurisdiction wherein the related Mortgaged Property is located to reflect the record of sale of the Mortgage.

 

“Available Distribution Amount”: With respect to any Loan Group within Collateral Pool 1 and a Distribution Date, the related Group 1 Available Distribution Amount for such Distribution Date. With respect to any Loan Group within Collateral Pool 2 and a Distribution Date, the related Group 2 Available Distribution Amount for such Distribution Date. 

 

“Authenticating Agent”: Citibank, or its successor in interest, or any successor authenticating agent appointed as herein provided. 

 

“Back-up Certification”: If the Master Servicer is not an affiliate of the Trust Administrator, a written certification, substantially in the form attached hereto as Exhibit I, signed by an officer of the Trust Administrator.

 

“Bankruptcy Amount”: As of any date of determination, with respect to Collateral Pool 1, an amount equal to the excess, if any, of (A) $146,522.01 over (B) the aggregate amount of Bankruptcy Losses allocated solely to the related Subordinate Certificates in accordance with Section 4.04. As of any date of determination, with respect to Collateral Pool 2, an amount equal to the excess, if any, of (A) $205,107.92 over (B) the aggregate amount of Bankruptcy Losses allocated solely to the related Subordinate Certificates in accordance with Section 4.04. 

 

“Bankruptcy Code”: The Bankruptcy Reform Act of 1978 (Title 11 of the United States Code), as amended.

 

“Bankruptcy Loss”: With respect to any Mortgage Loan, a Realized Loss resulting from a Deficient Valuation or Debt Service Reduction.

 

“Book-Entry Certificate”: Any Certificate registered in the name of the Depository or its nominee. Initially, the Book-Entry Certificates will be all Classes of the Certificates other than the Residual Certificates and the Class 2-P Certificates.

 

“Book-Entry Custodian”: The custodian appointed pursuant to Section 5.01.

 

“Business Day”: Any day other than a Saturday, a Sunday or a day on which banking or savings and loan institutions in the State of New York, each state in which any Initial Sub-Servicer conducts its business, the State of Missouri, the State of Texas, the city in which the Corporate Trust Office of the Trustee or the Corporate Trust Office of the Paying Agent is located are authorized or obligated by law or executive order to be closed.

 

“Cash-out Refinancing”: A Refinanced Mortgage Loan the proceeds of which were in excess of the principal balance of any existing first mortgage on the related Mortgaged Property and related closing costs, and were used to pay any such existing first mortgage, related closing costs and subordinate mortgages on the related Mortgaged Property.

 

“Certificate”: Any one of the Citigroup Mortgage Loan Trust Inc., Mortgage Pass-Through Certificates, Series 2006-AR7, issued under this Agreement.

 

“Certificate Factor”: With respect to any Class of Certificates as of any Distribution Date, a fraction, expressed as a decimal carried to six places, the numerator of which is the aggregate Certificate Principal Balance or Notional Amount of such Class of Certificates on such Distribution Date (after giving effect to any distributions of principal and allocations of Realized Losses and Extraordinary Trust Fund Expenses in reduction of the Certificate Principal Balance of such Class of Certificates to be made on such Distribution Date), and the denominator of which is the initial aggregate Certificate Principal Balance or Notional Amount of such Class of Certificates as of the Closing Date. 

 

“Certificateholder” or “Holder”: The Person in whose name a Certificate is registered in the Certificate Register, except that a Disqualified Organization or a Non-United States Person shall not be a Holder of a Residual Certificate for any purposes hereof and, solely for the purposes of giving any consent pursuant to this Agreement, any Certificate registered in the name of the Depositor or the Master Servicer or any Affiliate thereof shall be deemed not to be outstanding and the Voting Rights to which it is entitled shall not be taken into account in determining whether the requisite percentage of Voting Rights necessary to effect any such consent has been obtained, except as otherwise provided in Section 11.01. The Trustee and the Trust Administrator may conclusively rely upon a
certificate of the Depositor or the Master Servicer in determining whether a Certificate is held by an Affiliate thereof. 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 and the Trust Administrator shall be required to recognize as a “Holder” or “Certificateholder” only the Person in whose name a Certificate is registered in the Certificate Register.

 

“Certificate Owner”: With respect to a Book-Entry Certificate, the Person who is the beneficial owner of such Certificate as reflected on the books of the Depository or on the books of a Depository Participant or on the books of an indirect participating brokerage firm for which a Depository Participant acts as agent.

 

“Certificate Principal Balance”: With respect to any Certificate (other than an Interest Only Certificate) as of any date of determination, the Certificate Principal Balance of such Certificate on the Distribution Date immediately prior to such date of determination plus any Subsequent Recoveries added to the Certificate Principal Balance of such Certificate pursuant to Section 4.01, reduced by the aggregate of (a) all distributions of principal made thereon on such immediately prior Distribution Date and (b) without duplication of amounts described in clause (a) above, reductions in the Certificate Principal Balance thereof in connection with allocations thereto of Realized Losses on the Mortgage Loans and Extraordinary Trust Fund Expenses on such immediately prior Distribution Date (or, in the case
of any date of determination up to and including the initial Distribution Date, the initial Certificate Principal Balance of such Certificate, as stated on the face thereof). The Certificate Principal Balance of any Class of Certificates (other than any Class of Interest Only Certificates) as of any date of determination is equal to the aggregate of the Certificate Principal Balances of the Certificates of such Class. Notwithstanding any of the foregoing, the Certificate Principal Balance of a Subordinate Certificate of the Class of Subordinate Certificates relating to a Collateral Pool outstanding with the highest numerical designation at any given time shall not be greater than the Percentage Interest evidenced by such Certificate multiplied by the excess, if any, of (A) the then aggregate Stated Principal Balance of the Mortgage Loans in such related Collateral Pool over (B) the then aggregate Certificate Principal Balances of all other Classes of Certificates (other than any Class of Interest Only
Certificates) relating to that Collateral Pool then outstanding.

 

“Certificate Register”: The register maintained pursuant to Section 5.02.

 

“Certificate Registrar”: Citibank, or its successor in interest, or any successor certificate registrar appointed as herein provided. 

 

“CitiMortgage”: CitiMortgage, Inc., or its successor in interest.

 

“CitiMortgage Mortgage Loans”: The Mortgage Loans originated by American Home Mortgage Corp., MortgageIT, Inc., Residential Financial Corporation and Secured Bankers Mortgage Company and serviced by CitiMortgage pursuant to the Initial Sub-Servicing Agreement to which CitiMortgage is a party.

 

“Citibank”: Citibank, N.A.

 

“Class”: Collectively, all of the Certificates bearing the same class designation.

 

“Class 1-A1 Certificate”: Any one of the Class 1-A1 Certificates executed by the Paying Agent and authenticated and delivered by the Authenticating Agent, substantially in the form annexed hereto as Exhibit A-1 and evidencing a Regular Interest in REMIC I-C for purposes of the REMIC Provisions.

 

“Class 1-A2A Certificate”: Any one of the Class 1-A2A Certificates executed by the Paying Agent and authenticated and delivered by the Authenticating Agent, substantially in the form annexed hereto as Exhibit A-2 and evidencing a Regular Interest in REMIC I-C for purposes of the REMIC Provisions.

 

“Class 1-A2B Certificate”: Any one of the Class 1-A2B Certificates executed by the Paying Agent and authenticated and delivered by the Authenticating Agent, substantially in the form annexed hereto as Exhibit A-3 and evidencing a Regular Interest in REMIC I-C for purposes of the REMIC Provisions.

 

“Class 1-2IO Certificate”: Any one of the Class 1-2IO Certificates executed by the Paying Agent and authenticated and delivered by the Authenticating Agent, substantially in the form annexed hereto as Exhibit A-4 and evidencing a Regular Interest in REMIC I-C for purposes of the REMIC Provisions.

 

“Class 1-A3A Certificate”: Any one of the Class 1-A3A Certificates executed by the Paying Agent and authenticated and delivered by the Authenticating Agent, substantially in the form annexed hereto as Exhibit A-5 and evidencing a Regular Interest in REMIC I-C for purposes of the REMIC Provisions.

 

“Class 1-A3B Certificate”: Any one of the Class 1-A3B Certificates executed by the Paying Agent and authenticated and delivered by the Authenticating Agent, substantially in the form annexed hereto as Exhibit A-6 and evidencing a Regular Interest in REMIC I-C for purposes of the REMIC Provisions.

 

“Class 1-3IO Certificate”: Any one of the Class 1-3IO Certificates executed by the Paying Agent and authenticated and delivered by the Authenticating Agent, substantially in the form annexed hereto as Exhibit A-7 and evidencing a Regular Interest in REMIC I-C for purposes of the REMIC Provisions.

 

“Class 1-A4A Certificate”: Any one of the Class 1-A4A Certificates executed by the Paying Agent and authenticated and delivered by the Authenticating Agent, substantially in the form annexed hereto as Exhibit A-8 and evidencing a Regular Interest in REMIC I-C for purposes of the REMIC Provisions.

 

“Class 1-A4B Certificate”: Any one of the Class 1-A4B Certificates executed by the Paying Agent and authenticated and delivered by the Authenticating Agent, substantially in the form annexed hereto as Exhibit A-9 and evidencing a Regular Interest in REMIC I-C for purposes of the REMIC Provisions.

 

“Class 1-4IO Certificate”: Any one of the Class 1-4IO Certificates executed by the Paying Agent and authenticated and delivered by the Authenticating Agent, substantially in the form annexed hereto as Exhibit A-10 and evidencing one or more Regular Interests in REMIC I-C for purposes of the REMIC Provisions.

 

“Class 1-B1 Certificate”: Any one of the Class 1-B1 Certificates executed by the Paying Agent and authenticated and delivered by the Authenticating Agent, substantially in the form annexed hereto as Exhibit A-11 and evidencing a Regular Interest in REMIC I-C for purposes of the REMIC Provisions.

 

“Class 1-B1 Percentage”: With respect to any Distribution Date, a fraction, expressed as a percentage, the numerator of which is the excess, if any, of the aggregate Certificate Principal Balance of the Class 1-B1 Certificates immediately prior to such date over the aggregate amount, if any, payable to the Holders of the Class 1-B1 Certificates on such date pursuant to Section 4.01(b)(i)(Z), and the denominator of which is the excess, if any, of the aggregate of the Certificate Principal Balances of the Group 1 Subordinate Certificates immediately prior to such date over the aggregate amount, if any, payable to the Holders of the Group 1 Subordinate Certificates on such date pursuant to Section 4.01(b)(i)(Z).

 

“Class 1-B2 Certificate”: Any one of the Class 1-B2 Certificates executed by the Paying Agent and authenticated and delivered by the Authenticating Agent, substantially in the form annexed hereto as Exhibit A-12 and evidencing a Regular Interest in REMIC I-C for purposes of the REMIC Provisions.

 

“Class 1-B2 Percentage”: With respect to any Distribution Date, a fraction, expressed as a percentage, the numerator of which is the excess, if any, of the aggregate Certificate Principal Balance of the Class 1-B2 Certificates immediately prior to such date over the aggregate amount, if any, payable to the Holders of the Class 1-B2 Certificates on such date pursuant to Section 4.01(b)(i)(Z), and the denominator of which is the excess, if any, of the aggregate of the Certificate Principal Balances of the Group 1 Subordinate Certificates immediately prior to such date over the aggregate amount, if any, payable to the Holders of the Group 1 Subordinate Certificates on such date pursuant to Section 4.01(b)(i)(Z).

 

“Class 1-B3 Certificate”: Any one of the Class 1-B3 Certificates executed by the Paying Agent and authenticated and delivered by the Authenticating Agent, substantially in the form annexed hereto as Exhibit A-13 and evidencing a Regular Interest in REMIC I-C for purposes of the REMIC Provisions.

 

“Class 1-B3 Percentage”: With respect to any Distribution Date, a fraction, expressed as a percentage, the numerator of which is the excess, if any, of the aggregate Certificate Principal Balance of the Class 1-B3 Certificates immediately prior to such date over the aggregate amount, if any, payable to the Holders of the Class 1-B3 Certificates on such date pursuant to Section 4.01(b)(i)(Z), and the denominator of which is the excess, if any, of the aggregate of the Certificate Principal Balances of the Group 1 Subordinate Certificates immediately prior to such date over the aggregate amount, if any, payable to the Holders of the Group 1 Subordinate Certificates on such date pursuant to Section 4.01(b)(i)(Z).

 

“Class 1-B4 Certificate”: Any one of the Class 1-B4 Certificates executed by the Paying Agent and authenticated and delivered by the Authenticating Agent, substantially in the form annexed hereto as Exhibit A-14 and evidencing a Regular Interest in REMIC I-C for purposes of the REMIC Provisions.

 

“Class 1-B4 Percentage”: With respect to any Distribution Date, a fraction, expressed as a percentage, the numerator of which is the excess, if any, of the aggregate Certificate Principal Balance of the Class 1-B4 Certificates immediately prior to such date over the aggregate amount, if any, payable to the Holders of the Class 1-B4 Certificates on such date pursuant to Section 4.01(b)(i)(Z), and the denominator of which is the excess, if any, of the aggregate of the Certificate Principal Balances of the Group 1 Subordinate Certificates immediately prior to such date over the aggregate amount, if any, payable to the Holders of the Group 1 Subordinate Certificates on such date pursuant to Section 4.01(b)(i)(Z).

 

“Class 1-B5 Certificate”: Any one of the Class 1-B5 Certificates executed by the Paying Agent and authenticated and delivered by the Authenticating Agent, substantially in the form annexed hereto as Exhibit A-15 and evidencing a Regular Interest in REMIC I-C for purposes of the REMIC Provisions.

 

“Class 1-B5 Percentage”: With respect to any Distribution Date, a fraction, expressed as a percentage, the numerator of which is the excess, if any, of the aggregate Certificate Principal Balance of the Class 1-B5 Certificates immediately prior to such date over the aggregate amount, if any, payable to the Holders of the Class 1-B5 Certificates on such date pursuant to Section 4.01(b)(i)(Z), and the denominator of which is the excess, if any, of the aggregate of the Certificate Principal Balances of the Group 1 Subordinate Certificates immediately prior to such date over the aggregate amount, if any, payable to the Holders of the Group 1 Subordinate Certificates on such date pursuant to Section 4.01(b)(i)(Z).

 

“Class 1-B6 Certificate”: Any one of the Class 1-B6 Certificates executed by the Paying Agent and authenticated and delivered by the Authenticating Agent, substantially in the form annexed hereto as Exhibit A-16 and evidencing a Regular Interest in REMIC I-C for purposes of the REMIC Provisions.

 

“Class 1-B6 Percentage”: With respect to any Distribution Date, a fraction, expressed as a percentage, the numerator of which is the excess, if any, of the aggregate Certificate Principal Balance of the Class 1-B6 Certificates immediately prior to such date over the aggregate amount, if any, payable to the Holders of the Class 1-B6 Certificates on such date pursuant to Section 4.01(b)(i)(Z), and the denominator of which is the excess, if any, of the aggregate of the Certificate Principal Balances of the Group 1 Subordinate Certificates immediately prior to such date over the aggregate amount, if any, payable to the Holders of the Group 1 Subordinate Certificates on such date pursuant to Section 4.01(b)(i)(Z).

 

“Class 1-P Certificate”: Any one of the Class 1-P Certificates executed by the Paying Agent and authenticated and delivered by the Authenticating Agent, substantially in the form annexed hereto as Exhibit A-17 and evidencing a Regular Interest in REMIC I-C for purposes of the REMIC Provisions.

 

“Class 1-R Certificate”: Any one of the Class 1-R Certificates executed by the Paying Agent and authenticated and delivered by the Authenticating Agent, substantially in the form annexed hereto as Exhibit A-18 and evidencing the ownership of the Class R-IA Residual Interest, the Class R-IB Residual Interest and the Class R-IC Residual Interest.

 

“Class 2-A1A Certificate”: Any one of the Class 2-A1A Certificates executed by the Paying Agent and authenticated and delivered by the Authenticating Agent, substantially in the form annexed hereto as Exhibit A-19 and evidencing a Regular Interest in REMIC II-C for purposes of the REMIC Provisions.

 

“Class 2-A1B Certificate”: Any one of the Class 2-A1B Certificates executed by the Paying Agent and authenticated and delivered by the Authenticating Agent, substantially in the form annexed hereto as Exhibit A-20 and evidencing a Regular Interest in REMIC II-C for purposes of the REMIC Provisions.

 

“Class 2-1IO Certificate”: Any one of the Class 2-1IO Certificates executed by the Paying Agent and authenticated and delivered by the Authenticating Agent, substantially in the form annexed hereto as Exhibit A-21 and evidencing a Regular Interest in REMIC II-C for purposes of the REMIC Provisions.

 

“Class 2-A2A Certificate”: Any one of the Class 2-A2A Certificates executed by the Paying Agent and authenticated and delivered by the Authenticating Agent, substantially in the form annexed hereto as Exhibit A-22 and evidencing a Regular Interest in REMIC II-C for purposes of the REMIC Provisions.

 

“Class 2-A2B Certificate”: Any one of the Class 2-A2B Certificates executed by the Paying Agent and authenticated and delivered by the Authenticating Agent, substantially in the form annexed hereto as Exhibit A-23 and evidencing a Regular Interest in REMIC II-C for purposes of the REMIC Provisions.

 

“Class 2-2IO Certificate”: Any one of the Class 2-2IO Certificates executed by the Paying Agent and authenticated and delivered by the Authenticating Agent, substantially in the form annexed hereto as Exhibit A-24 and evidencing a Regular Interest in REMIC II-C for purposes of the REMIC Provisions.

 

“Class 2-A3A Certificate”: Any one of the Class 2-A3A Certificates executed by the Paying Agent and authenticated and delivered by the Authenticating Agent, substantially in the form annexed hereto as Exhibit A-25 and evidencing a Regular Interest in REMIC II-C for purposes of the REMIC Provisions.

 

“Class 2-A3B Certificate”: Any one of the Class 2-A3B Certificates executed by the Paying Agent and authenticated and delivered by the Authenticating Agent, substantially in the form annexed hereto as Exhibit A-26 and evidencing a Regular Interest in REMIC II-C for purposes of the REMIC Provisions.

 

“Class 2-3IO Certificate”: Any one of the Class 2-3IO Certificates executed by the Paying Agent and authenticated and delivered by the Authenticating Agent, substantially in the form annexed hereto as Exhibit A-27 and evidencing one or more Regular Interests in REMIC II-C for purposes of the REMIC Provisions.

 

“Class 2-A4A Certificate”: Any one of the Class 2-A4A Certificates executed by the Paying Agent and authenticated and delivered by the Authenticating Agent, substantially in the form annexed hereto as Exhibit A-28 and evidencing one or more Regular Interests in REMIC II-C for purposes of the REMIC Provisions.

 

“Class 2-A4B Certificate”: Any one of the Class 2-A4B Certificates executed by the Paying Agent and authenticated and delivered by the Authenticating Agent, substantially in the form annexed hereto as Exhibit A-29 and evidencing one or more Regular Interests in REMIC II-C for purposes of the REMIC Provisions.

 

“Class 2-4IO Certificate”: Any one of the Class 2-4IO Certificates executed by the Paying Agent and authenticated and delivered by the Authenticating Agent, substantially in the form annexed hereto as Exhibit A-30 and evidencing one or more Regular Interests in REMIC II-C for purposes of the REMIC Provisions.

 

“Class 2-B1 Certificate”: Any one of the Class 2-B1 Certificates executed by the Paying Agent and authenticated and delivered by the Authenticating Agent, substantially in the form annexed hereto as Exhibit A-31 and evidencing a Regular Interest in REMIC II-C for purposes of the REMIC Provisions.

 

“Class 2-B1 Percentage”: With respect to any Distribution Date, a fraction, expressed as a percentage, the numerator of which is the excess, if any, of the aggregate Certificate Principal Balance of the Class 2-B1 Certificates immediately prior to such date over the aggregate amount, if any, payable to the Holders of the Class 2-B1 Certificates on such date pursuant to Section 4.01(b)(i)(Z), and the denominator of which is the excess, if any, of the aggregate of the Certificate Principal Balances of the Group 2 Subordinate Certificates immediately prior to such date over the aggregate amount, if any, payable to the Holders of the Group 2 Subordinate Certificates on such date pursuant to Section 4.01(b)(i)(Z).

 

“Class 2-B2 Certificate”: Any one of the Class 2-B2 Certificates executed by the Paying Agent and authenticated and delivered by the Authenticating Agent, substantially in the form annexed hereto as Exhibit A-32 and evidencing a Regular Interest in REMIC II-C for purposes of the REMIC Provisions.

 

“Class 2-B2 Percentage”: With respect to any Distribution Date, a fraction, expressed as a percentage, the numerator of which is the excess, if any, of the aggregate Certificate Principal Balance of the Class 2-B2 Certificates immediately prior to such date over the aggregate amount, if any, payable to the Holders of the Class 2-B2 Certificates on such date pursuant to Section 4.01(b)(i)(Z), and the denominator of which is the excess, if any, of the aggregate of the Certificate Principal Balances of the Group 2 Subordinate Certificates immediately prior to such date over the aggregate amount, if any, payable to the Holders of the Group 2 Subordinate Certificates on such date pursuant to Section 4.01(b)(i)(Z).

 

“Class 2-B3 Certificate”: Any one of the Class 2-B3 Certificates executed by the Paying Agent and authenticated and delivered by the Authenticating Agent, substantially in the form annexed hereto as Exhibit A-33 and evidencing a Regular Interest in REMIC II-C for purposes of the REMIC Provisions.

 

“Class 2-B3 Percentage”: With respect to any Distribution Date, a fraction, expressed as a percentage, the numerator of which is the excess, if any, of the aggregate Certificate Principal Balance of the Class 2-B3 Certificates immediately prior to such date over the aggregate amount, if any, payable to the Holders of the Class 2-B3 Certificates on such date pursuant to Section 4.01(b)(i)(Z), and the denominator of which is the excess, if any, of the aggregate of the Certificate Principal Balances of the Group 2 Subordinate Certificates immediately prior to such date over the aggregate amount, if any, payable to the Holders of the Group 2 Subordinate Certificates on such date pursuant to Section 4.01(b)(i)(Z).

 

“Class 2-B4 Certificate”: Any one of the Class 2-B4 Certificates executed by the Paying Agent and authenticated and delivered by the Authenticating Agent, substantially in the form annexed hereto as Exhibit A-34 and evidencing a Regular Interest in REMIC II-C for purposes of the REMIC Provisions.

 

“Class 2-B4 Percentage”: With respect to any Distribution Date, a fraction, expressed as a percentage, the numerator of which is the excess, if any, of the aggregate Certificate Principal Balance of the Class 2-B4 Certificates immediately prior to such date over the aggregate amount, if any, payable to the Holders of the Class 2-B4 Certificates on such date pursuant to Section 4.01(b)(i)(Z), and the denominator of which is the excess, if any, of the aggregate of the Certificate Principal Balances of the Group 2 Subordinate Certificates immediately prior to such date over the aggregate amount, if any, payable to the Holders of the Group 2 Subordinate Certificates on such date pursuant to Section 4.01(b)(i)(Z).

 

“Class 2-B5 Certificate”: Any one of the Class 2-B5 Certificates executed by the Paying Agent and authenticated and delivered by the Authenticating Agent, substantially in the form annexed hereto as Exhibit A-35 and evidencing a Regular Interest in REMIC II-C for purposes of the REMIC Provisions.

 

“Class 2-B5 Percentage”: With respect to any Distribution Date, a fraction, expressed as a percentage, the numerator of which is the excess, if any, of the aggregate Certificate Principal Balance of the Class 2-B5 Certificates immediately prior to such date over the aggregate amount, if any, payable to the Holders of the Class 2-B5 Certificates on such date pursuant to Section 4.01(b)(i)(Z), and the denominator of which is the excess, if any, of the aggregate of the Certificate Principal Balances of the Group 2 Subordinate Certificates immediately prior to such date over the aggregate amount, if any, payable to the Holders of the Group 2 Subordinate Certificates on such date pursuant to Section 4.01(b)(i)(Z).

 

“Class 2-B6 Certificate”: Any one of the Class 2-B6 Certificates executed by the Paying Agent and authenticated and delivered by the Authenticating Agent, substantially in the form annexed hereto as Exhibit A-36 and evidencing a Regular Interest in REMIC II-C for purposes of the REMIC Provisions.

 

“Class 2-B6 Percentage”: With respect to any Distribution Date, a fraction, expressed as a percentage, the numerator of which is the excess, if any, of the aggregate Certificate Principal Balance of the Class 2-B6 Certificates immediately prior to such date over the aggregate amount, if any, payable to the Holders of the Class 2-B6 Certificates on such date pursuant to Section 4.01(b)(i)(Z), and the denominator of which is the excess, if any, of the aggregate of the Certificate Principal Balances of the Group 2 Subordinate Certificates immediately prior to such date over the aggregate amount, if any, payable to the Holders of the Group 2 Subordinate Certificates on such date pursuant to Section 4.01(b)(i)(Z).

 

“Class 2-P Certificate”: Any one of the Class 2-P Certificates executed by the Paying Agent and authenticated and delivered by the Authenticating Agent, substantially in the form annexed hereto as Exhibit A-37 and evidencing a Regular Interest in REMIC II-C for purposes of the REMIC Provisions.

 

“Class 2-R Certificate”: Any one of the Class 2-R Certificates executed by the Paying Agent and authenticated and delivered by the Authenticating Agent, substantially in the form annexed hereto as Exhibit A-38 and evidencing the ownership of the Class R-IIA Residual Interest, Class R-IIB Residual Interest and the Class R-IIC Residual Interest.

 

“Class A Certificates”: The Group 1 Class A Certificates and the Group 2 Class A Certificates. 

 

“Class A Principal Adjustment Amount": With respect to any Collateral Pool, and any Distribution Date, if the Certificate Principal Balance of the Class A Certificates relating to a Loan Group included in such Collateral Pool has been reduced to zero, the sum of (i) any remaining Principal Prepayments, Liquidation Proceeds or other unscheduled payments of principal collected in respect of the related Mortgage Loans in such Loan Group and (ii) with respect to any Distribution Date on which the aggregate Certificate Principal Balance of the related Subordinate Certificates has been reduced to zero, any remaining scheduled payments of principal collected in respect of the Mortgage Loans in such Loan Group. 

 

“Class B Percentage”: Any one of the Class 1-B1 Percentage, the Class 1-B2 Percentage, the Class 1-B3 Percentage, the Class 1-B4 Percentage, the Class 1-B5 Percentage, the Class 1-B6 Percentage, the Class 2-B1 Percentage, the Class 2-B2 Percentage, the Class 2-B3 Percentage, the Class 2-B4 Percentage, the Class 2-B5 Percentage or the Class 2-B6 Percentage.

 

“Class P Certificates”: The Class 1-P and Class 2-P Certificates. 

 

“Class R-IA Residual Interest”: The uncertificated Residual Interest in REMIC I-A.

 

“Class R-IB Residual Interest”: The uncertificated Residual Interest in REMIC I-B.

 

“Class R-IC Residual Interest”: The uncertificated Residual Interest in REMIC I-C.

 

“Class R-IIA Residual Interest”: The uncertificated Residual Interest in REMIC II-A.

 

“Class R-IIB Residual Interest”: The uncertificated Residual Interest in REMIC II-B.

 

“Class R-IIC Residual Interest”: The uncertificated Residual Interest in REMIC II-C.

 

“Closing Date”: October 31, 2006.

 

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

 

“Collateral Pool”: Collateral Pool 1 and Collateral Pool 2.

 

“Collateral Pool 1”: The Mortgage Loans in Loan Group 1-1, Loan Group 1-2, Loan Group 1-3 and Loan Group 1-4.

 

“Collateral Pool 2”: The Mortgage Loans in Loan Group 2-1, Loan Group 2-2, Loan Group 2-3 and Loan Group 2-4.

 

“Collection Account”: The account or accounts created and maintained by the Master Servicer pursuant to Section 3.10(a), which shall be entitled, “CitiMortgage, Inc., as Master Servicer for U.S. Bank National Association, as Trustee, in trust for the registered holders of Citigroup Mortgage Loan Trust Inc., Mortgage Pass-Through Certificates, Series 2006-AR7.” The Collection Account must be an Eligible Account.

 

“Commission”: The Securities and Exchange Commission. 

 

“Compensating Interest Payment”: With respect to Collateral Pool 1 and the Fifth Third Mortgage Loans in such Collateral Pool and any prepayment in full or in part, an amount which, when added to all amounts allocable to interest received in connection with such prepayment, equals one month’s interest on the amount of principal so prepaid at the related mortgage interest rate; but not more than the aggregate amount of the servicing fees received by Fifth Third in the calendar month in which such deposits are required. 

 

With respect to Collateral Pool 1 and Collateral Pool 2 and the Wells Fargo Mortgage Loans in each such Collateral Pool and any prepayments in full or in part, an amount which, when added to all amounts allocable to interest received in connection with such prepayment, equals one month’s interest on the amount of principal so prepaid at the related mortgage rate net of the related servicing fee rate (as set forth in the applicable Initial Sub-Servicing Agreement), but not more than the aggregate amount of the Servicing Fees for the related Due Period with respect to the Mortgage Loans serviced by Wells Fargo in such Collateral Pool.

 

With respect to Collateral Pool 1 and the Countrywide Mortgage Loans in such Collateral Pool and any prepayments in full or in part, an aggregate amount each month for such Collateral Pool up to the lesser of one half of (a) one-twelfth of the product of (i) the weighted average servicing fee rate (as set forth in the applicable Initial Sub-Servicing Agreement) percentage for such Mortgage Loans in such Collateral Pool and (ii) the stated principal balance of such Mortgage Loans in such Collateral Pool and (b) the aggregate servicing fee actually received by Countrywide for the applicable month for such mortgage loans. 

 

With respect to Collateral Pool 2 and the HomeBanc Mortgage Loans in such Collateral Pool and any prepayment in full or in part, an amount which, when added to all amounts allocable to interest received in connection with such prepayment, equals one month’s interest on the amount of principal so prepaid related mortgage interest rate; but not more than the aggregate amount of the servicing fees received by HomeBanc in the calendar month in which such deposits are required. 

 

With respect to Collateral Pool 2 and the CitiMortgage Mortgage Loans in such Collateral Pool and any prepayments in full or in part, an aggregate amount for each month for such Collateral Pool up to the lesser of (i) an amount which, when added to all amounts allocable to interest received in connection with such prepayment equals one month’s interest on the amount of principal so prepaid at the related mortgage rate net of the related servicing fee rate (as set forth in the applicable Initial Sub-Servicing Agreement) and (ii) the aggregate amount of servicing compensation received by CitiMortgage in respect of such Mortgage Loans in such Collateral Pool for the applicable calendar month.

 

“Corporate Trust Office”: The principal corporate trust office of the Trustee, the Paying Agent, the Certificate Registrar or the Authenticating Agent, as the case may be, at which at any particular time its corporate trust business in connection with this Agreement shall be administered, which office at the date of the execution of this instrument is located at (i) with respect to the Trustee, U.S. Bank National Association, One Federal Street, 3rd Floor, Boston, Massachusetts 02110, Attention: Corporate Trust Services, or at such other address as the Trustee may designate from time to time by notice to the
Certificateholders, the Depositor, the Master Servicer, the Paying Agent, the Certificate Registrar, the Authenticating Agent and the Trust Administrator and (ii) with respect to the Paying Agent, the Certificate Registrar and the Authenticating Agent, Citibank, N.A., as Paying Agent, as Certificate Registrar or as Authenticating Agent, as the case may be, 388 Greenwich Street, 14th Floor, New York, New York 10013, or at such other address as the Paying Agent, the Certificate Registrar and the Authenticating Agent may designate from time to time by notice to the Certificateholders, the Depositor, the Master Servicer, the Trust Administrator and the Trustee.

 

“Corresponding Certificate”: With respect to each REMIC I-B Regular Interest and REMIC II-B Regular Interest, as follows:

 

	
REMIC I-B Regular Interest
	
Class

	
REMIC I-B Regular Interest LT1-A1
	
1-A1

	
REMIC I-B Regular Interest LT1-A2A
	
1-A2A

	
REMIC I-B Regular Interest LT1-A2B
	
1-A2B

	
REMIC I-B Regular Interest LT1-A3A
	
1-A3A

	
REMIC I-B Regular Interest LT1-A3B
	
1-A3B

	
REMIC I-B Regular Interest LT1-A4A
	
1-A4A

	
REMIC I-B Regular Interest LT1-A4B
	
1-A4B

	
REMIC I-B Regular Interest LT1-B1
	
1-B1

	
REMIC I-B Regular Interest LT1-B2
	
1-B2

	
REMIC I-B Regular Interest LT1-B3
	
1-B3

	
REMIC I-B Regular Interest LT1-B4
	
1-B4

	
REMIC I-B Regular Interest LT1-B5
	
1-B5

	
REMIC I-B Regular Interest LT1-B6
	
1-B6

	
REMIC I-B Regular Interest LT1-R
	
1-R

	
REMIC I-B Regular Interest LT1-P
	
1-P

	
REMIC I-B Regular Interest LT2-A1A
	
2-A1A

	
REMIC I-B Regular Interest LT2-A1B
	
2-A1B

	
REMIC I-B Regular Interest LT2-A2A
	
2-A2A

	
REMIC I-B Regular Interest LT2-A2B
	
2-A2B

	
REMIC I-B Regular Interest LT2-A3A
	
2-A3A

	
REMIC I-B Regular Interest LT2-A3B
	
2-A3B

	
REMIC I-B Regular Interest LT2-A4A
	
2-A4A

	
REMIC I-B Regular Interest LT2-A4B
	
2-A4B

	
REMIC I-B Regular Interest LT2-B1
	
2-B1

	
REMIC I-B Regular Interest LT2-B2
	
2-B2

	
REMIC I-B Regular Interest LT2-B3
	
2-B3

	
REMIC I-B Regular Interest LT2-B4
	
2-B4

	
REMIC I-B Regular Interest LT2-B5
	
2-B5

	
REMIC I-B Regular Interest LT2-B6
	
2-B6

	
REMIC I-B Regular Interest LT2-R
	
2-R

	
REMIC I-B Regular Interest LT2-P
	
2-P

“Countrywide”: Countrywide Home Loans, Inc., or its successor in interest.

 

“Countrywide Mortgage Loans”: The Mortgage Loans originated by Countrywide and serviced by Countrywide pursuant to the Initial Sub-Servicing Agreement to which it is a party.

 

“Credit Risk Manager”: Clayton Fixed Income Services Inc., formerly known as The Murrayhill Company, a Colorado corporation, and its successors and assigns.

 

“Credit Risk Management Agreement”: The respective agreements between the Credit Risk Manager and the related Initial Sub-Servicer regarding the loss mitigation and advisory services to be provided by the Credit Risk Manager with respect to the Group 2 Mortgage Loans. 

 

“Credit Risk Manager Fee”: With respect to any Distribution Date and each Mortgage Loan in Collateral Pool 2, an amount equal to the Credit Risk Manager Fee Rate accrued for one month on the aggregate Stated Principal Balance of such Mortgage Loans as of the first day of the related Due Period.

 

“Credit Risk Manager Fee Rate”: 0.006% per annum.

 

“Cross-Collateralization Date”: With respect to either Collateral Pool, any Distribution Date on which there are one or more Undercollateralized Loan Groups and one or more Overcollateralized Loan Groups relating to such Collateral Pool.

 

“Custodian”: A document custodian appointed by the Trustee to perform (or in the case of the initial Custodian otherwise engaged to perform) custodial duties with respect to the Mortgage Files. The initial Custodian is Citibank, N.A. a federal savings bank. A Custodian may be the Trustee, any Affiliate of the Trustee or an independent entity.

 

“Custodial Agreement”: An agreement pursuant to which a Custodian performs custodial duties with respect to the Mortgage Files. With respect to the initial Custodian, the applicable agreement pursuant to which the Initial Custodian performs its custodial duties with respect to the Mortgage Files.

 

“Cut-off Date”: With respect to each Original Mortgage Loan, October 1, 2006. With respect to all Qualified Substitute Mortgage Loans, their respective dates of substitution. References herein to the “Cut-off Date,” when used with respect to more than one Mortgage Loan, shall be to the respective Cut-off Dates for such Mortgage Loans.

 

“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 resulting from a Deficient Valuation.

 

“Deficient Valuation”: With respect to any Mortgage Loan, a valuation of the related Mortgaged Property by a court of competent jurisdiction in an amount less than the then outstanding principal balance of the Mortgage Loan, which valuation results from a proceeding initiated under the Bankruptcy Code.

 

“Definitive Certificates”: As defined in Section 5.01(b).

 

“Deleted Mortgage Loan”: A Mortgage Loan replaced or to be replaced by a Qualified Substitute Mortgage Loan.

 

“Depositor”: Citigroup Mortgage Loan Trust Inc., a Delaware corporation, or its successor in interest.

 

“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(3) 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 Institution”: Any depository institution or trust company, including the Trustee and the Paying Agent, that (a) is incorporated under the laws of the United States of America or any State thereof, (b) is subject to supervision and examination by federal or state banking authorities and (c) has, or is a subsidiary of a holding company that has, an outstanding unsecured commercial paper or other short-term unsecured debt obligations that are rated in the highest rating category by at least two of the Rating Agencies (or a comparable rating if S&P and Fitch are not the Rating Agencies).

 

“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.

 

“Determination Date”: With respect to each Distribution Date, the 18th day of the calendar month in which such Distribution Date occurs or, if such 18th day is not a Business Day, the Business Day immediately following such 18th day; provided, however, that with respect to each Distribution Date and any Mortgage Loans subject to an Initial Sub-Servicing Agreement, the Determination Date shall be the date, relating to such Distribution Date, after which any Monthly Payments received are not reported by the related Sub-Servicer as having been received for inclusion in the amounts remitted by such Sub-Servicer on the related
remittance date under the applicable Sub-Servicing Agreement in respect of Monthly Payments on the related Mortgage Loans.

 

“Directly Operate”: With respect to any REO Property, the furnishing or rendering of services to the tenants thereof, the management or operation of such REO Property, the holding of such REO Property primarily for sale to customers, the performance of any construction work thereon or any use of such REO Property in a trade or business conducted by REMIC I-A or REMIC II-A, other than through an Independent Contractor; provided, however, that the Trustee (or the Master Servicer on behalf of the Trustee) shall not be considered to Directly Operate an REO Property solely because the Trustee (or the Master Servicer on behalf of the Trustee) establishes rental terms, chooses tenants, enters into or renews leases, deals with taxes and insurance, or makes decisions as to repairs or capital expenditures with
respect to such REO Property.

 

“Disqualified Organization”: 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) any foreign government, any international organization, or any agency or instrumentality of any of the foregoing, (iii) any organization (other than certain farmers’ cooperatives described in Section 521 of the Code) which is exempt from the tax imposed by Chapter 1 of the Code (including the tax imposed by Section 511 of the Code on unrelated business taxable income), (iv) rural
electric and telephone cooperatives described in Section 1381(a)(2)(C) of the Code, (v) an “electing large partnership” within the meaning of Section 775 of the Code and (vi) any other Person so designated by the Trustee based upon an Opinion of Counsel that the holding of an Ownership Interest in a Residual 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 Residual 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 Account”: The trust account or accounts created and maintained by the Paying Agent pursuant to Section 3.10(b) which shall be entitled “Citibank, N.A., as Paying Agent, in trust for the registered holders of Citigroup Mortgage Loan Trust Inc., Mortgage Pass- Through Certificates, Series 2006-AR7.” The Distribution Account must be an Eligible Account.

 

“Distribution Date”: The 25th day of any month, or if such 25th day is not a Business Day, the Business Day immediately following such 25th day, commencing in November 2006.

 

“Diverted Interest Amount”: With respect to a Collateral Pool and any Distribution Date, one month’s interest accrued during the related Interest Accrual Period on the Overcollateralized Amount at the Pass-Through Rate for the Class A Certificates related to the Undercollateralized Loan Group(s) in such Collateral Pool and any other unpaid interest shortfalls on the Class A Certificates related to such Undercollateralized Loan Group(s), to the extent available (with overcollateralization and undercollateralization calculated, for purposes of this definition only, as of the prior Distribution Date after taking into account all distributions and Realized Loss allocations that occurred on such prior Distribution Date). On any Distribution Date, any Diverted Interest Amount shall be included in the
Available Distribution Amounts of any Undercollateralized Loan Groups in the same Collateral Pool on a pro rata basis based on their respective Undercollateralized Amounts. On any Distribution Date, any Diverted Interest Amount shall reduce the Available Distribution Amounts of any Overcollateralized Loan Groups in the same Collateral Pool on a pro rata basis based on their respective Overcollateralized Amounts.

 

“DOL”: The United States Department of Labor or any successor in interest.

 

“DOL Regulations”: The regulations promulgated by the DOL at 29 C.F.R.ss.2510.3-101.

 

“Due Date”: With respect to each Distribution Date, the first day of the calendar month in which such Distribution Date occurs, which is the day of the month on which the Monthly Payment is due on a Mortgage Loan, exclusive of any days of grace.

 

“Due Period”: With respect to any Distribution Date, the period commencing on the second day of the calendar month preceding the calendar month in which such Distribution Date occurs and ending on the related Due Date.

 

“Eligible Account”: Any of (i) an account or accounts maintained with a Depository Institution, (ii) an account or accounts the deposits in which are fully insured by the FDIC or (iii) a trust account or accounts maintained with the corporate trust department of a federal or state chartered depository institution or trust company acting in its fiduciary capacity. Eligible Accounts may bear interest.

 

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

 

“Estate in Real Property”: A fee simple estate in a parcel of land.

 

“Excess Bankruptcy Loss”: With respect to either Collateral Pool, any Bankruptcy Loss, or portion thereof, which exceeds the then applicable Bankruptcy Amount.

 

“Excess Fraud Loss”: With respect to either Collateral Pool, any Fraud Loss, or portion thereof, which exceeds the then applicable Fraud Loss Amount.

 

“Excess Loss”: With respect to either Collateral Pool, any Excess Bankruptcy Loss, Excess Special Hazard Loss, Excess Fraud Loss or Extraordinary Loss.

 

“Excess Special Hazard Loss”: With respect to either Collateral Pool, any Special Hazard Loss, or portion thereof, that exceeds the then applicable Special Hazard Amount. 

 

“Exchange Act”: The Securities Exchange Act of 1934, as amended.

 

“Expense Adjusted Mortgage Rate”: With respect to any Mortgage Loan (or the related REO Property) as of any date of determination, a per annum rate of interest equal to the then applicable Mortgage Rate for such Mortgage Loan minus the applicable Servicing Fee Rate and, if such Mortgage Loan is included in Collaeral Pool 2, the Credit Risk Manager Fee Rate and, if such Mortgage Loan has lender-paid primary mortgage insurance, the applicable premium rate.

 

“Extraordinary Loss”: Any Realized Loss or portion thereof caused by or resulting from:

 

(i) nuclear or chemical reaction or nuclear radiation or radioactive or chemical 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”;

 

(ii) hostile or warlike action in time of peace or war, including action in hindering, combating or defending against an actual, impending or expected attack by any government or sovereign power, de jure or de facto, or by any authority maintaining or using military, naval or air forces, or by military, naval or air
forces, or by an agent of any such government, power, authority or forces;

 

(iii) any weapon of war employing atomic fission or radioactive forces whether in time of peace or war, and

 

(iv) 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 transactions or trade.

 

“Extraordinary Trust Fund Expenses”: Any amounts reimbursable to the Master Servicer or the Depositor pursuant to Section 6.03, any amounts payable from the Distribution Account in respect of taxes pursuant to Section 10.01(g)(iii), any amounts reimbursable to the Trustee, the Trust Administrator, Citibank or a Custodian from the Trust Fund pursuant to Section 2.01 or Section 8.05 and any other costs, expenses, liabilities and losses borne by the Trust Fund (exclusive of any cost, expense, liability or loss that is specific to a particular Mortgage Loan or REO Property and is taken into account in calculating a Realized Loss in respect thereof) for which the Trust Fund has not and, in the reasonable good faith judgment of the Trust Administrator, shall not, obtain reimbursement or indemnification from
any other Person.

 

“Fannie Mae”: Fannie Mae, formerly known as the Federal National Mortgage Association, or any successor thereto.

 

“FDIC”: Federal Deposit Insurance Corporation or any successor thereto.

 

“Fifth Third”: Fifth Third Bank, or its successor in interest.

 

“Fifth Third Bank Mortgage Loans”: The Mortgage Loans originated by Fifth Third. 

 

“Final Recovery Determination”: With respect to any defaulted Mortgage Loan or any REO Property (other than a Mortgage Loan or REO Property purchased by the Seller, the Depositor or the Master Servicer pursuant to or as contemplated by Section 2.03, Section 3.16(c) or Section 9.01), a determination made by the Master Servicer that all Liquidation Proceeds have been recovered. The Master Servicer shall maintain records of each Final Recovery Determination made thereby.

 

“Fitch”: Fitch Ratings, or its successor in interest. 

 

“Forward Shifted Prepayment Period”: With respect to any Distribution Date, any related Prepayment Period that ends later than the last day of the calendar month immediately preceding the month in which such Distribution Date occurs. 

 

“Fraud Loss”: Any Realized Loss or portion thereof sustained by reason of a default arising from intentional fraud, dishonesty or misrepresentation in connection with the related Mortgage Loan, including by reason of the denial of coverage under any related Primary Mortgage Insurance Policy because of fraud, dishonesty or misrepresentation.

 

“Fraud Loss Amount”: With respect to Collateral Pool 1, as of any date of determination after the Cut-off Date, an amount equal to: (X) prior to the third anniversary of the Cut-off Date, 1.00% of the aggregate outstanding principal balance of the Group 1 Mortgage Loans as of the Cut-off Date minus the aggregate amount of Fraud Losses on the Group 1 Mortgage Loans allocated solely to the related Subordinate Certificates in accordance with Section 4.04 since the Cut-off Date up to such date of determination and (Y) from the third anniversary of the Cut-off Date and prior to the fifth anniversary of the Cut-off Date, (1) the lesser of (a) the related Fraud Loss Amount as of the most recent anniversary of the Cut-off Date and (b) 0.50% of the aggregate outstanding principal balance of the Group 1
Mortgage Loans as of the most recent anniversary of the Cut-off Date minus (2) the Fraud Losses on the Group 1 Mortgage Loans allocated solely to the related Subordinate Certificates in accordance with Section 4.04 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 with respect to Collateral Pool 1 shall be zero. In addition, after the Certificate Principal Balances of the related Subordinate Certificates are reduced to zero, the Fraud Loss Amount with respect to Collateral Pool 1 shall be zero.

 

With respect to Collateral Pool 2, 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, 2.00% of the aggregate outstanding principal balance of the Group 2 Mortgage Loans as of the Cut-off Date minus the aggregate amount of Fraud Losses on the Group 2 Mortgage Loans allocated solely to the related Subordinate Certificates in accordance with Section 4.04 since the Cut-off Date up to such date of determination and (Y) from the first anniversary of the Cut-off Date and prior to the fifth anniversary of the Cut-off Date, (1) the lesser of (a) the related 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 the Group 2 Mortgage Loans as of the most recent
anniversary of the Cut-off Date minus (2) the Fraud Losses on the Group 2 Mortgage Loans allocated solely to the related Subordinate Certificates in accordance with Section 4.04 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 with respect to Collateral Pool 2 shall be zero. In addition, after the Certificate Principal Balances of the related Subordinate Certificates are reduced to zero, the Fraud Loss Amount with respect to Collateral Pool 2 shall be zero.

 

“Freddie Mac”: Freddie Mac, formally known as the Federal Home Loan Mortgage Corporation, or any successor thereto.

 

“Gross Margin”: With respect to each Adjustable-Rate Mortgage Loan, the fixed percentage set forth in the related Mortgage Note that is added to the Index on each Adjustment Date in accordance with the terms of the related Mortgage Note used to determine the Mortgage Rate for such Mortgage Loan.

 

“Group 1 Available Distribution Amount”: With respect to any Distribution Date and any Loan Group within Collateral Pool 1, an amount equal to the excess of (i) the sum attributable to the related Group 1 Mortgage Loans of (a) the aggregate of the Monthly Payments due on or before the Due Date relating to such Distribution Date and received by the Master Servicer (or a Sub-Servicer on its behalf) on or prior to the related Determination Date, after deduction of the applicable Servicing Fee and any applicable lender-paid primary mortgage insurance premium (b) Liquidation Proceeds, Insurance Proceeds, Principal Prepayments, proceeds from repurchases of and substitutions for the related Group 1 Mortgage Loans, Subsequent Recoveries and other unscheduled collections of principal and interest in respect of
the related Group 1 Mortgage Loans or REO Properties received by the Master Servicer (or a Sub-Servicer, on its behalf) during the related Prepayment Period (exclusive of any prepayment charges, penalties or premiums), (c) the aggregate of any amounts on deposit in the Distribution Account representing Compensating Interest Payment paid by the Master Servicer in respect of related Prepayment Interest Shortfalls relating to Principal Prepayments that occurred during the related Prepayment Period and (d) the aggregate of any P&I Advances made by the Master Servicer for such Distribution Date over (ii) the sum attributable to or allocable to the related Group 1 Mortgage Loans of (a) amounts reimbursable to the Depositor, the Master Servicer, the Trustee, the Trust Administrator, Citibank or a Custodian pursuant to Section 6.03 or Section 8.05 or otherwise payable in respect of Extraordinary Trust Fund Expenses, (b) amounts in respect of the items set forth in clauses (i)(a) through (i)(d) above
deposited in the Collection Account or the Distribution Account in respect of the items set forth in clauses (i)(a) through (i)(d) above in error, (c) without duplication, any amounts in respect of the items set forth in clauses (i)(a) and (i)(b) permitted hereunder to be retained by the Master Servicer or to be withdrawn by the Master Servicer from the Collection Account pursuant to Section 3.18. 

 

Notwithstanding the foregoing, the Group 1 Available Distribution Amount for a Loan Group and any Distribution Date shall be increased (if such Loan Group is an Undercollateralized Loan Group) or decreased (if such Loan Group is an Overcollateralized Loan Group) by any applicable Diverted Interest Amount or Class A Principal Adjustment Amount, in each case for such Distribution Date.

 

Provided, that, on any Distribution Date on which there are Group 1 Class A Certificates relating to only one Loan Group remaining outstanding, the Group 1 Available Distribution Amount for that Distribution Date will be calculated on an aggregate Collateral Pool 1 basis, without regard to the related Loan Group. 

 

Notwithstanding the foregoing, in the event that the amount received during a Due Period in connection with the foreclosure of a Mortgage Loan in Collateral Pool 1 exceeds the outstanding principal balance of such Mortgage Loan, such amounts shall be included in the Group 1 Available Distribution Amount only to the extent of Realized Losses incurred during the related Due Period with respect to Mortgage Loans in Collateral Pool 1 and the remainder will be held in a reserve fund established by or on behalf of the Trust Administrator in order to offset any future Realized Losses incurred. Prepayment premiums or charges collected in respect of the Mortgage Loans included in Collateral Pool 1 will be distributed to the Holders of the Class P Certificates and will not be included in the Group 1 Available
Distribution Amount.

 

“Group 1 Certificates”: The Group 1 Senior Certificates and the Group 1 Subordinate Certificates.

 

“Group 1 Class A Certificates”: The Class 1-A1 Certificates, Class 1-A2A Certificates, Class 1-A2B Certificates, Class 1-A3A Certificates, Class 1-A3B Certificates, Class 1-A4A Certficates and Class 1-A4B Certificates.

 

“Group 1 Interest Only Certificates”: The Class 1-2IO Certificates, Class 1-3IO Certificates and Class 1-4IO Certificates.

 

“Group 1 Loan Group”: Any of Loan Group 1-1, Loan Group 1-2, Loan Group 1-3 or Loan Group 1-4.

 

“Group 1 Mortgage Loans”: The Mortgage Loans identified as such on the attached Mortgage Loan Schedule.

 

“Group 1-1 Mortgage Loans”: Each Loan identified as such on the Mortgage Loan Schedule.

 

“Group 1-2 Mortgage Loans”: Each Loan identified as such on the Mortgage Loan Schedule.

 

“Group 1-3 Mortgage Loans”: Each Loan identified as such on the Mortgage Loan Schedule.

 

“Group 1-4 Mortgage Loans”: Each Loan identified as such on the Mortgage Loan Schedule.

 

“Group 1 Senior Certificates”: The Group 1 Class A Certificates, the Class 1-R Certificates and the Group 1 Interest Only Certificates.

 

“Group 1 Senior Percentage”: With respect to any Distribution Date and any Loan Group included in Collateral Pool 1, the lesser of (a) 100% and (b) a fraction, expressed as a percentage, the numerator of which is the excess, if any, of the aggregate Certificate Principal Balance of the related Class A Certificates for such Distribution Date and, on the first Distribution Date, the related Class R Certificates, if applicable, over the aggregate amount, if any, payable to the Holders of the related Group 1 Class A Certificates on such date pursuant to clause (d) of the definition of “Senior Principal Distribution Amount,” and the denominator of which is the sum of (i) the aggregate Scheduled Principal Balance of the related Group 1 Mortgage Loans as of the first day of the related Due Period,
plus (ii) the aggregate Scheduled Principal Balance of the REO Properties in the related Loan Group as of the first day of the related Due Period. 

 

Notwithstanding the foregoing, on any Cross-Collateralization Date on which (x) the sum of (i) the aggregate Scheduled Principal Balance of the related Group 1 Mortgage Loans as of the first day of the related Due Period, plus (ii) the aggregate Scheduled Principal Balance of the REO Properties in the related Loan Group as of the first day of the related Due Period, exceeds (y) the excess, if any, of the Certificate Principal Balance of the related Group 1 Class A Certificates for such Distribution Date over the aggregate amount, if any, payable to the Holders of the related Group 1 Class A Certificates on such date pursuant to clause (d) of the definition of “Senior Principal Distribution Amount,” the Group 1 Senior Percentage will equal the lesser of (a) 100% and (b) fraction, expressed as a
percentage, the numerator of which is the sum of (i) the excess, if any, of the Certificate Principal Balance of the related Group 1 Class A Certificates for such Distribution Date over the aggregate amount, if any, payable to the Holders of the related Group 1 Class A Certificates on such date pursuant to clause (d) of the definition of “Senior Principal Distribution Amount,” plus (ii) that portion of the Overcollateralized Amount with respect to Collateral Pool 1 that is subtracted from the related Group 1 Available Distribution Amount on such Distribution Date, and the denominator of which is the sum of (i) the aggregate Scheduled Principal Balance of the related Group 1 Mortgage Loans as of the first day of the related Due Period, plus (ii) the aggregate Scheduled Principal Balance of the REO Properties in the related Loan Group as of the first day of the related Due Period. On any Distribution Date after the reduction of the Certificate Principal Balances of the related Group 1 Class A
Certificates relating to all but one Loan Group to zero, the Group 1 Senior Percentage for that remaining Loan Group will be the lesser of (a) 100% and (b) a fraction, expressed as a percentage, the numerator of which is the excess, if any, of the Certificate Principal Balance of the related Group 1 Class A Certificates for such Distribution Date over the aggregate amount, if any, payable to the Holders of the related Group 1 Class A Certificates on such date pursuant to clause (d) of the definition of “Senior Principal Distribution Amount,” and the denominator of which is the sum of (i) the aggregate Scheduled Principal Balance of the Group 1 Mortgage Loans as of the first day of the related Due Period, plus (ii) the aggregate Scheduled Principal Balance of the REO Properties in Collateral Pool 1 as of the first day of the related Due Period.

 

“Group 1 Senior Prepayment Percentage”: With respect to any Distribution Date and any Loan Group included in Collateral Pool 1 within the range indicated below, the percentage as indicated below:

 

	
Distribution Date
	
Group 1 Senior Prepayment Percentage

	
November 2006 through October 2013
	
100%

	
November 2013 through October 2014
	
related Group 1 Senior Percentage, plus 70% of the related Group 1 Subordinate Percentage

	
November 2014 through October 2015
	
related Group 1 Senior Percentage, plus 60% of the related Group 1 Subordinate Percentage

	
November 2015 through October 2016
	
related Group 1 Senior Percentage, plus 40% of the related Group 1 Subordinate Percentage

	
November 2016 through October 2017
	
related Group 1 Senior Percentage, plus 20% of the related Group 1 Subordinate Percentage

	
November 2017 and thereafter
	
related Group 1 Senior Percentage

provided, however, no reduction to a Group 1 Senior Prepayment Percentage described above shall be made as of any Distribution Date unless (i) the outstanding principal balance of the Group 1 Mortgage Loans delinquent 60 days or more (including REO Properties and Mortgage Loans in foreclosure) averaged over the last six months (or such fewer number of months as have elapsed from the Cut-Off Date through the end of the related Prepayment Period) does not exceed 50% of the sum of the then current Certificate Principal Balances of the Group 1 Subordinate
Certificates and (ii) Realized Losses on the Group 1 Mortgage Loans to date are less than the then applicable Trigger Amount.

 

On any Distribution Date on which Realized Losses on the Group 1 Mortgage Loans to date are greater than the then applicable Trigger Amount, the Group 1 Senior Prepayment Percentage for each Loan Group within Collateral Pool 1 will be the greater of (x) the related Group 1 Senior Prepayment Percentage for such Distribution Date or (y) the related Group 1 Senior Prepayment Percentage for the immediately preceding Distribution Date.

 

Notwithstanding the above, if on any Distribution Date (a) the Aggregate Subordinate Percentage for Collateral Pool 1, prior to giving effect to any distributions on such Distribution Date, equals or exceeds two times the initial Aggregate Subordinate Percentage for Collateral Pool 1 as of the Cut-Off Date, (b) the provisions of clause (i) of the second preceding paragraph are met and (c) (i) on or prior to the Distribution Date occurring in October 2009, cumulative Realized Losses on the Group 1 Mortgage Loans as of the end of the related Prepayment Period do not exceed 20% of the initial aggregate Certificate Principal Balance of the Group 1 Subordinate Certificates and (ii) after the Distribution Date occurring in October 2009, cumulative Realized Losses on the Group 1 Mortgage Loans as of the end of the
Prepayment Period do not exceed 30% of the initial aggregate Certificate Principal Balance of the Group 1 Subordinate Certificates, then the Group 1 Senior Prepayment Percentage for such Distribution Date and each Loan Group within Collateral Pool 1 will equal the related Group 1 Senior Percentage plus 50% of the related Group 1 Subordinate Percentage for such Distribution Date, if such Distribution Date is prior to November 2009, and will equal the related Group 1 Senior Percentage for such Distribution Date, if such Distribution Date occurs on or after November 2009.

 

On any Distribution Date on which the Aggregate Senior Percentage for Collateral Pool 1 exceeds the initial Aggregate Senior Percentage for Collateral Pool 1, the Group 1 Senior Prepayment Percentage for each Loan Group within Collateral Pool 1 shall be 100%.

 

Upon reduction of the Certificate Principal Balances of the related Group 1 Class A Certificates to zero, the Group 1 Senior Prepayment Percentage for the related Loan Group shall be 0%.

 

“Group 1 Subordinate Certificates”: The Class 1-B1 Certificates, the Class 1-B2 Certificates, the Class 1-B3 Certificates, the Class 1-B4 Certificates, the Class 1-B5 Certificates and the Class 1-B6 Certificates.

 

“Group 1 Subordinate Percentage”:  With respect to any Loan Group within Collateral Pool 1 and any Distribution Date, 100% minus the Group 1 Senior Percentage for that Loan Group and Distribution Date. 

 

“Group 1 Subordinate Prepayment Percentage”:  With respect to any Loan Group within Collateral Pool 1 and a Distribution Date, 100% minus the related Group 1 Senior Prepayment Percentage for that Loan Group and Distribution Date. 

 

“Group 2 Available Distribution Amount”: With respect to any Distribution Date and any Loan Group within Collateral Pool 2, an amount equal to the excess of (i) the sum attributable to the related Group 2 Mortgage Loans of (a) the aggregate of the Monthly Payments due on or before the Due Date relating to such Distribution Date and received by the Master Servicer (or a Sub-Servicer on its behalf) on or prior to the related Determination Date, after deduction of the applicable Servicing Fee, the Credit Risk Manager Fee and any applicable lender-paid primary mortgage insurance premium (b) Liquidation Proceeds, Insurance Proceeds, Principal Prepayments, proceeds from repurchases of and substitutions for the related Group 2 Mortgage Loans, Subsequent Recoveries and other unscheduled collections of
principal and interest in respect of the related Group 2 Mortgage Loans or REO Properties received by the Master Servicer (or a Sub-Servicer on its behalf) during the related Prepayment Period (exclusive of any prepayment charges, penalties or premiums), (c) the aggregate of any amounts on deposit in the Distribution Account representing Compensating Interest Payment paid by the Master Servicer in respect of related Prepayment Interest Shortfalls relating to Principal Prepayments that occurred during the related Prepayment Period and (d) the aggregate of any P&I Advances made by the Master Servicer for such Distribution Date over (ii) the sum attributable to or allocable to the related Group 2 Mortgage Loans of (a) amounts reimbursable to the Depositor, the Master Servicer, the Trustee, the Trust Administrator, Citibank or a Custodian pursuant to Section 6.03 or Section 8.05 or otherwise payable in respect of Extraordinary Trust Fund Expenses, (b) amounts in respect of the items set forth in
clauses (i)(a) through (i)(d) above deposited in the Collection Account or the Distribution Account in respect of the items set forth in clauses (i)(a) through (i)(d) above in error, (c) without duplication, any amounts in respect of the items set forth in clauses (i)(a) and (i)(b) permitted hereunder to be retained by the Master Servicer or to be withdrawn by the Master Servicer from the Collection Account pursuant to Section 3.18.

 

Notwithstanding the foregoing, the Group 2 Available Distribution Amount for a Loan Group and any Distribution Date shall be increased (if such Loan Group is an Undercollateralized Loan Group) or decreased (if such Loan Group is an Overcollateralized Loan Group) by any applicable Diverted Interest Amount or Class A Principal Adjustment Amount, in each case for such Distribution Date.

 

Provided, that, on any Distribution Date on which there are Group 2 Class A Certificates relating to only one Loan Group remaining outstanding, the Group 2 Available Distribution Amount for that Distribution Date will be calculated on an aggregate Collateral Pool 2 basis, without regard to the related Loan Group.

 

Notwithstanding the foregoing, in the event that the amount received during a Due Period in connection with the foreclosure of a Mortgage Loan in Collateral Pool 2 exceeds the outstanding principal balance of such Mortgage Loan, such amounts shall be included in the Group 2 Available Distribution Amount only to the extent of Realized Losses incurred during the related Due Period with respect to Mortgage Loans in Collateral Pool 2 and the remainder will be held in a reserve fund established by or on behalf of the Trust Administrator in order to offset any future Realized Losses incurred. Prepayment premiums or charges collected in respect of the Mortgage Loans included in Collateral Pool 2 will be distributed to the Holders of the Class P Certificates and will not be included in the Group 2 Available
Distribution Amount.

 

“Group 2 Certificates”: The Group 2 Senior Certificates and the Group 2 Subordinate Certificates.

 

“Group 2 Class A Certificates”: The Class 2-A1A Certificates, Class 2-A1B Certificates, Class 2-A2A Certificates, Class 2-A2B Certificates, Class 2-A3A Certificates, Class 2-A3B Certficates, Class 2-A4A Certificates, Class 2-A4B Certificates. 

 

“Group 2 Interest Only Certificates”: The Class 2-1IO Certificates, Class 2-2IO Certificates, Class 2-3IO Certificates and Class 2-4IO Certificates.

 

“Group 2 Loan Group”: Any of Loan Group 2-1, Loan Group 2-2, Loan Group 2-3 or Loan Group 2-4.

 

“Group 2 Mortgage Loans”: The Mortgage Loans identified as such on the attached Mortgage Loan Schedule.

 

“Group 2-1 Mortgage Loans”: Each Loan identified as such on the Mortgage Loan Schedule.

 

“Group 2-2 Mortgage Loans”: Each Loan identified as such on the Mortgage Loan Schedule.

 

“Group 2-3 Mortgage Loans”: Each Loan identified as such on the Mortgage Loan Schedule.

 

“Group 2-4 Mortgage Loans”: Each Loan identified as such on the Mortgage Loan Schedule.

 

“Group 2 Senior Certificates”: The Group 2 Class A Certificates, Class 2-R Certificates and the Group 2 Interest Only Certificates. 

 

“Group 2 Senior Percentage”: With respect to any Distribution Date and a Loan Group included in Collateral Pool 2, the lesser of (a) 100% and (b) a fraction, expressed as a percentage, the numerator of which is the excess, if any, of the aggregate Certificate Principal Balance of the related Class A Certificates for such Distribution Date and, on the first Distribution Date, the related Class R Certificates, if applicable, over the aggregate amount, if any, payable to the Holders of the related Group 2 Class A Certificates on such date pursuant to clause (d) of the definition of “Senior Principal Distribution Amount,” and the
denominator of which is the sum of (i) the aggregate Scheduled Principal Balance of the related Group 2 Mortgage Loans, plus (ii) the aggregate Scheduled Principal Balance of the REO Properties in the related Loan Group as of the first day of the related Due Period. 

 

Notwithstanding the foregoing, on any Cross-Collateralization Date on which (x) the sum of (i) the aggregate Scheduled Principal Balance of the related Group 2 Mortgage Loans, plus (ii) the aggregate Scheduled Principal Balance of the REO Properties in the related Loan Group as of the first day of the related Due Period exceeds (y) the excess, if any, of the Certificate Principal Balance of the related Group 2 Class A Certificates for such Distribution Date over the aggregate amount, if any, payable to the Holders of the related Group 2 Class A Certificates on such date pursuant to clause (d) of the definition of “Senior Principal Distribution Amount,” the Group 2 Senior Percentage will equal the lesser of (a) 100% and (b) fraction, expressed as a percentage, the numerator of which is the sum of (i)
the excess, if any, of the Certificate Principal Balance of the related Group 2 Class A Certificates for such Distribution Date over the aggregate amount, if any, payable to the Holders of the related Group 2 Class A Certificates on such date pursuant to clause (d) of the definition of “Senior Principal Distribution Amount,” plus (ii) that portion of the Overcollateralized Amount with respect to Collateral Pool 2 that is subtracted from the related Group 2 Available Distribution Amount on such Distribution Date, and the denominator of which is the sum of (i) the aggregate Scheduled Principal Balance of the related Group 2 Mortgage Loans as of the first day of the related Due Period, plus (ii) the aggregate Scheduled Principal Balance of the REO Properties in the related Loan Group as of the first day of the related Due Period. On any Distribution Date after the reduction of the Certificate Principal Balances of the related Group 2 Class A Certificates relating to all but one Loan Group to
zero, the Group 2 Senior Percentage for that remaining Loan Group will be the lesser of (a) 100% and (b) a fraction, expressed as a percentage, the numerator of which is the excess, if any, of the Certificate Principal Balance of the related Group 2 Class A Certificates for such Distribution Date over the aggregate amount, if any, payable to the Holders of the related Group 2 Class A Certificates on such date pursuant to clause (d) of the definition of “Senior Principal Distribution Amount,” and the denominator of which is the sum of (i) the aggregate Scheduled Principal Balance of the Group 2 Mortgage Loans as of the first day of the related Due Period, plus (ii) the aggregate Scheduled Principal Balance of the REO Properties in Collateral Pool 2 as of the first day of the related Due Period.

 

“Group 2 Senior Prepayment Percentage”: With respect to any Distribution Date and any Loan Group included in Collateral Pool 2, within the range indicated below, the percentage as indicated below:

 

	
Distribution Date
	
Group 2 Senior Prepayment Percentage

	
November 2006 through October 2013
	
100%

	
November 2013 through October 2014
	
related Group 2 Senior Percentage, plus 70% of the related Group 2 Subordinate Percentage

	
November 2014 through October 2015
	
related Group 2 Senior Percentage, plus 60% of the related Group 2 Subordinate Percentage

	
November 2015 through October 2016
	
related Group 2 Senior Percentage, plus 40% of the related Group 2 Subordinate Percentage

	
November 2016 through October 2017
	
related Group 2 Senior Percentage, plus 20% of the related Group 2 Subordinate Percentage

	
November 2017 and thereafter
	
related Group 2 Senior Percentage

provided, however, no reduction to a Group 2 Senior Prepayment Percentage described above shall be made as of any Distribution Date unless (i) the outstanding principal balance of the Group 2 Mortgage Loans delinquent 60 days or more (including REO Properties and Mortgage Loans in foreclosure) averaged over the last six months (or such fewer number of months as have elapsed from the Cut-Off Date through the end of the related Prepayment Period) does not exceed 50% of the sum of the then current Certificate Principal Balances of the Group 2 Subordinate
Certificates and (ii) Realized Losses on the Group 2 Mortgage Loans to date are less than the then applicable Trigger Amount.

 

On any Distribution Date on which Realized Losses on the Group 2 Mortgage Loans to date are greater than the then applicable Trigger Amount, the Group 2 Senior Prepayment Percentage for each Loan Group within Collateral Pool 2 will be the greater of (x) the related Group 2 Senior Prepayment Percentage for such Distribution Date or (y) the related Group 2 Senior Prepayment Percentage for the immediately preceding Distribution Date.

 

Notwithstanding the above, if on any Distribution Date (a) the Aggregate Subordinate Percentage for Collateral Pool 2, prior to giving effect to any distributions on such Distribution Date, equals or exceeds two times the initial Aggregate Subordinate Percentage for Collateral Pool 2 as of the Cut-Off Date, (b) the provisions of clause (i) of the second preceding paragraph are met and (c) (i) on or prior to the Distribution Date occurring in October 2009, cumulative Realized Losses on the Group 2 Mortgage Loans as of the end of the related Prepayment Period do not exceed 20% of the initial aggregate Certificate Principal Balance of the Group 2 Subordinate Certificates and (ii) after the Distribution Date occurring in October 2009, cumulative Realized Losses on the Group 2 Mortgage Loans as of the end of the
Prepayment Period do not exceed 30% of the initial aggregate Certificate Principal Balance of the Group 2 Subordinate Certificates, then the Group 2 Senior Prepayment Percentage for such Distribution Date and each Loan Group within Collateral Pool 2 will equal the related Group 2 Senior Percentage plus 50% of the related Group 2 Subordinate Percentage for such Distribution Date, if such Distribution Date is prior to November 2009, and will equal the related Group 2 Senior Percentage for such Distribution Date, if such Distribution Date occurs on or after November 2009.

 

On any Distribution Date on which the Aggregate Senior Percentage for Collateral Pool 2 exceeds the initial Aggregate Senior Percentage for Collateral Pool 2, the Group 2 Senior Prepayment Percentage for each Loan Group within Collateral Pool 2 shall be 100%.

 

Upon reduction of the Certificate Principal Balances of the related Group 2 Class A Certificates to zero, the Group 2 Senior Prepayment Percentage for the related Loan Group shall be 0%.

 

“Group 2 Subordinate Certificates”: The Class 2-B1 Certificates, the Class 2-B2 Certificates, the Class 2-B3 Certificates, the Class 2-B4 Certificates, the Class 2-B5 Certificates and the Class 2-B6 Certificates.

 

“Group 2 Subordinate Percentage”: With respect to any Loan Group within Collateral Pool 2 and any Distribution Date, 100% minus the Group 2 Senior Percentage for that Loan Group and Distribution Date.

 

“Group 2 Subordinate Prepayment Percentage”: With respect to any Loan Group within Collateral Pool 2 and any Distribution Date, 100% minus the Group 2 Senior Prepayment Percentage.

 

“HomeBanc”: HomeBanc Mortgage Corporation, or its successor in interest.

 

“HomeBanc Mortgage Loans”: The Mortgage Loans originated by HomeBanc and serviced by HomeBanc pursunat to the Initial Sub-Servicing Agreement to which HomeBanc is a party. 

 

“Independent”: When used with respect to any specified Person, any such Person who (a) is in fact independent of the Depositor, the Master Servicer and their respective Affiliates, (b) does not have any direct financial interest in or any material indirect financial interest in the Depositor, the Master Servicer or any Affiliate thereof, and (c) is not connected with the Depositor, the Master Servicer or any Affiliate thereof as an officer, employee, promoter, underwriter, trustee, partner, director or Person performing similar functions; provided, however, that a Person shall not fail to be Independent of the Depositor, the Master Servicer or any Affiliate thereof merely because such Person is the beneficial owner of 1% or less of any class of securities issued by the Depositor or the Master Servicer
or any Affiliate thereof, as the case may be.

 

“Independent Contractor”: Either (i) any Person (other than the Master Servicer) that would be an “independent contractor” with respect to any REMIC within the meaning of Section 856(d)(3) of the Code if any REMIC were a real estate investment trust (except that the ownership tests set forth in that section shall be considered to be met by any Person that owns, directly or indirectly, 35% or more of any Class of Certificates), so long as any REMIC does not receive or derive any income from such Person and provided that the relationship between such Person and any REMIC is at arm’s length, all within the meaning of Treasury Regulation Section 1.856-4(b)(5), or (ii) any other Person (including the Master Servicer) if the Trust Administrator has received an Opinion of Counsel for the
benefit of the Trustee and the Trust Administrator to the effect that the taking of any action in respect of any REO Property by such Person, subject to any conditions therein specified, that is otherwise herein contemplated to be taken by an Independent Contractor will not cause such REO Property to cease to qualify as “foreclosure property” within the meaning of Section 860G(a)(8) of the Code (determined without regard to the exception applicable for purposes of Section 860D(a) of the Code), or cause any income realized in respect of such REO Property to fail to qualify as Rents from Real Property.

 

“Index”: With respect to any Adjustable-Rate Mortgage Loan, the index for the adjustment of the Mortgage Rate set forth as such on the related Mortgage Note.

 

“Initial Sub-Servicer”: Each of CitiMortgage, Inc., Countrywide Home Loans Servicing LP, HomeBanc Mortgage Corporation, Fifth Third Bank and Wells Fargo Bank, N.A.

 

“Initial Sub-Servicing Agreement”: With respect to the Mortgage Loans, (i) the Amended and Restated Master Mortgage Loan Purchase Agreement, dated as of March 1, 2006, between Wells Fargo and the Seller, (ii) the Master Mortgage Loan Purchase and Servicing Agreement, dated June 1, 2006, between HomeBanc Mortgage Corporation and the Seller, (iii) the Amended and Restated Master Mortgage Loan Purchase and Servicing Agreement, dated as of February 1, 2005, and as amended on December 28, 2005, between CitiMortgage, Inc. and the Seller, (iv) the Master Mortgage Loan Purchase and Servicing Agreement, dated June 1, 2006, among Fifth Third Bank and the Seller, and (v) the Amended and Restated Master Mortgage Loan Purchase and Servicing Agreement, dated as of December 15, 2003, and as amended on February 28,
2006, between Countrywide Home Loans, Inc. and the Seller, each as modified as of the date hereof. 

 

“Insurance Proceeds”: Proceeds of any Primary Mortgage Insurance Policy, title policy, hazard policy or other insurance policy covering a Mortgage Loan, to the extent such proceeds are not to be 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, subject to the terms and conditions of the related Mortgage Note and Mortgage.

 

“Interest Accrual Period”: With respect to any Distribution Date and any Class of Certificates, the calendar month preceding the month in which the Distribution Date occurs, and each such Interest Accrual Period shall be deemed to be 30 days regardless of its actual length. All distributions of interest on the Certificates will be based on a 360-day year consisting of twelve 30-day Interest Accrual Periods. 

 

“Interest Distribution Amount”: With respect to any Class of Group 1 Certificates for any Distribution Date, an amount equal to one month’s interest accrued during the most recently ended Interest Accrual Period at the applicable Pass-Through Rate on the Certificate Principal Balance or Notional Amount of such Class of Certificates, immediately prior to such Distribution Date. With respect to any Class of Group 2 Certificates for any Distribution Date, an amount equal to one month’s interest accrued during the most recently ended Interest Accrual Period at the applicable Pass-Through Rate on the Certificate Principal Balance of such Class of Certificates, immediately prior to such Distribution Date. The Interest Distribution Amount for any such Class of Certificates, (a) will also include,
in the case of any Distribution Date subsequent to the initial Distribution Date, the excess, if any, of the Interest Distribution Amount in respect of such Class for the immediately preceding Distribution Date, over the aggregate distributions of interest made in respect of such Class pursuant to Section 4.01(a) on such immediately preceding Distribution Date and (b) will be reduced, in the case of any Distribution Date, by the amount of any Prepayment Interest Shortfalls (to the extent not covered by Compensating Interest Payments paid by related Initial Sub-Servicer or by the Master Servicer) and Relief Act Interest Shortfalls that were allocated to such Class on such Distribution Date pursuant to Section 1.02. The Interest Distribution Amount for any Class of Certificates will be based on a 360 day year consisting of twelve 30-day Interest Accrual Periods.

 

“Interest Only Certificates”: The Group 1 Interest Only Certificates and Group 2 Interest Only Certificates.

 

“Late Collections”: With respect to any Mortgage Loan, all amounts received subsequent to the Determination Date immediately following 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 principal and/or interest due (without regard to any acceleration of payments under the related Mortgage and Mortgage Note) but delinquent for such Due Period and not previously recovered.

 

“Liquidation Event”: With respect to any Mortgage Loan, any of the following events: (i) such Mortgage Loan is paid in full; (ii) a Final Recovery Determination is made as to such Mortgage Loan; or (iii) such Mortgage Loan is removed from the applicable Trust REMIC by reason of its being purchased, sold or replaced pursuant to or as contemplated by Section 2.03 or Section 3.16(c). With respect to any REO Property, either of the following events: (i) a Final Recovery Determination is made as to such REO Property; or (ii) such REO Property is removed from the applicable Trust REMIC by reason of its being purchased pursuant to Section 9.01.

 

“Liquidation Proceeds”: The amount (including any Insurance Proceeds or amounts received in respect of the rental of any REO Property prior to REO Disposition) received by the Master Servicer in connection with (i) the taking of all or a part of a Mortgaged Property by exercise of the power of eminent domain or condemnation, (ii) the liquidation of a defaulted Mortgage Loan through a trustee’s sale, foreclosure sale or otherwise, or (iii) the repurchase, substitution or sale of a Mortgage Loan or an REO Property pursuant to or as contemplated by Section 2.03, Section 3.16(c), Section 3.23 or Section 9.01.

 

“Loan Group”: Any of Loan Group 1-1, Loan Group 1-2, Loan Group 1-3, Loan Group 1-4, Loan Group 2-1, Loan Group 2-2, Loan Group 2-3 or Loan Group 2-4. 

 

“Loan Group 1-1”: The Loan Group consisting of the Group 1-1 Mortgage Loans.

 

“Loan Group 1-2”: The Loan Group consisting of the Group 1-2 Mortgage Loans.

 

“Loan Group 1-3”: The Loan Group consisting of the Group 1-3 Mortgage Loans.

 

“Loan Group 1-4”: The Loan Group consisting of the Group 1-4 Mortgage Loans.

 

“Loan Group 2-1”: The Loan Group consisting of the Group 2-1 Mortgage Loans.

 

“Loan Group 2-2”: The Loan Group consisting of the Group 2-2 Mortgage Loans.

 

“Loan Group 2-3”: The Loan Group consisting of the Group 2-3 Mortgage Loans.

 

“Loan Group 2-4”: The Loan Group consisting of the Group 2-4 Mortgage Loans.

 

“Loan-to-Value Ratio”: As of any date of determination, the fraction, expressed as a percentage, the numerator of which is the principal balance of the related Mortgage Loan at such date and the denominator of which is the Value of the related Mortgaged Property.

 

“Master Servicer”: CitiMortgage, Inc. or any successor master servicer appointed as herein provided, in its capacity as Master Servicer hereunder.

 

“Master Servicer Certification”: A written certification, substantially in the form attached hereto as Exhibit H, signed by an officer of the Master Servicer.

 

“Master Servicer Event of Default”: One or more of the events described in Section 7.01.

 

“Master Servicer Remittance Date”: With respect to any Distribution Date, 12:00 p.m. New York time on the Business Day preceding the Distribution Date or if the Collection Account is held at Citibank (for so long as Citibank is the Paying Agent), 12:00 p.m. New York time on the Distribution Date.

 

“Maximum Mortgage Rate”: With respect to each Adjustable-Rate Mortgage Loan, the percentage set forth in the related Mortgage Note as the maximum Mortgage Rate thereunder.

 

“Minimum Mortgage Rate”: With respect to each Adjustable-Rate Mortgage Loan, the percentage set forth in the related Mortgage Note as the minimum Mortgage Rate thereunder.

 

“MERS”: Mortgage Electronic Registration Systems, Inc., a corporation organized and existing under the laws of the State of Delaware, or any successor thereto.

 

“MERS 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 System.

 

“MOM Loan”: With respect to any Mortgage Loans registered with MERS on the MERS® System, 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, the scheduled monthly payment of principal and interest on such Mortgage Loan which is payable by the related Mortgagor from time to time under the related Mortgage Note, determined: (a) after giving effect to (i) any Deficient Valuation and/or Debt Service Reduction with respect to such Mortgage Loan and (ii) any reduction in the amount of interest collectible from the related Mortgagor pursuant to the Relief Act; (b) without giving effect to any extension granted or agreed to by the Master Servicer pursuant to Section 3.07; and (c) on the assumption that all other amounts, if any, due under such Mortgage Loan are paid when due.

 

“Mortgage”: The mortgage, deed of trust or other instrument creating a first lien on, or first priority security interest in, a Mortgaged 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.

 

“MortgageIT”: MortgageIT, Inc., or its successor in interest.

 

“MortgageIT Mortgage Loans”: The Mortgage Loans originated by MortgageIT. 

 

“Mortgage Loan”: Each mortgage loan transferred and assigned to the Trustee pursuant to Section 2.01 or Section 2.03 of this Agreement, as from time to time held as a part of REMIC I-A or REMIC II-A, as applicable, the Mortgage Loans so held being identified in the Mortgage Loan Schedule.

 

“Mortgage Loan Purchase Agreement”: The agreement between the Depositor and the Seller regarding the transfer of the Mortgage Loans by the Seller to or at the direction of the Depositor, substantially in the form of Exhibit D annexed hereto.

 

“Mortgage Loan Remittance Rate”: With respect to any Mortgage Loan or REO Property, as of any date of determination, the then applicable Expense Adjusted Mortgage Rate in respect thereof plus, in the case of any Mortgage Loan in Collateral Pool 2, the Credit Risk Manager Fee Rate.

 

“Mortgage Loan Schedule”: As of any date, the list of Mortgage Loans included in REMIC I-A or REMIC II-A on such date, attached hereto as Schedule 1. The Mortgage Loan Schedule shall set forth, but is not limited to, the following information with respect to each Mortgage Loan: 

 

(i) the Master Servicer’s Mortgage Loan identifying number;

 

(ii) a code indicating whether the Mortgaged Property is owner-occupied;

 

(iii) the type of Residential Dwelling constituting the Mortgaged Property;

 

(iv) the original months to maturity;

 

(v) the original date of the mortgage;

 

(vi) the Loan-to-Value Ratio at origination;

 

(vii) the Mortgage Rate in effect immediately following the Cut-off Date;

 

(viii) the date on which the first Monthly Payment was due on the Mortgage Loan;

 

(ix) the stated maturity date;

 

(x) the amount of the Monthly Payment at origination;

 

(xi) the amount of the Monthly Payment as of the Cut-off Date;

 

(xii) the last Due Date on which a Monthly Payment was actually applied to the unpaid Stated Principal Balance;

 

(xiii) the original principal amount of the Mortgage Loan;

 

(xiv) the Scheduled Principal Balance of the Mortgage Loan as of the close of business on the Cut-off Date;

 

(xv) a code indicating the purpose of the Mortgage Loan (i.e., purchase financing, Rate/Term Refinancing, Cash-Out Refinancing);

 

(xvi) a code indicating the documentation style (i.e., full, alternative or reduced);

 

(xvii) a code indicating if the Mortgage Loan is subject to a Primary Mortgage Insurance Policy;

 

(xviii) the Value of the Mortgaged Property;

 

(xix) the sale price of the Mortgaged Property, if applicable;

 

(xx) the actual unpaid principal balance of the Mortgage Loan as of the Cut-off Date; 

 

(xxi) the Servicing Fee Rate and whether the Servicing Fee Rate steps up on the initial Adjustment Date; 

 

(xxii) if such Mortgage Loan is an Adjustable-Rate Mortgage Loan, the Maximum Mortgage Rate, Minimum Mortgage Rate, Gross Margin, Index and Periodic Rate Cap;

 

(xxiii) whether such Mortgage Loan has an interest-only period, and if so, the first Due Date on which Monthly Payments are scheduled to include principal amortization; 

 

(xxiv) the Collateral Pool in which such Mortgage Loan shall reside, and in the case of each Collateral Pool, the Loan Group in which such Mortgage Loan shall reside; 

 

(xxv) the originator of such Mortgage Loan and the Initial Sub-Servicer of such Mortgage Loan; and

 

(xxvi) a code indicating if such Mortgage Loan is covered by lender-paid mortgage insurance.

 

The Mortgage Loan Schedule shall set forth the following information with respect to the Mortgage Loans in each Collateral Pool in the aggregate as of the Cut-off Date: (1) the number of Mortgage Loans; (2) the current principal balance of such Mortgage Loans; (3) the weighted average Mortgage Rate of such Mortgage Loans; (4) the weighted average maturity of such Mortgage Loans; (5) the Scheduled Principal Balance of the Mortgage Loans as of the close of business on the Cut-off Date (not taking into account any Principal Prepayments received on the Cut-off Date); and (6) the amount of the Monthly Payment as of the Cut-off Date. The Mortgage Loan Schedule shall be amended from time to time by the Master Servicer in accordance with the provisions of this Agreement. With respect to any Qualified Substitute
Mortgage Loan, Cut-off Date shall refer to the related Cut-off Date for such Mortgage Loan, determined in accordance with the definition of Cut-off Date herein.

 

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

 

“Mortgage Pool”: The pool of Mortgage Loans, identified on Schedule 1 from time to time, and any REO Properties acquired in respect thereof.

 

“Mortgage Rate”: With respect to each Mortgage Loan, the annual rate at which interest accrues on such Mortgage Loan from time to time in accordance with the provisions of the related Mortgage Note but without regard to any reduction thereof as a result of a Debt Service Reduction or operation of the Relief Act. With respect to each Mortgage Loan that becomes an REO Property, as of any date of determination, the annual rate determined in accordance with the immediately preceding sentence as of the date such Mortgage Loan became an REO Property.

 

“Mortgaged Property”: The underlying property securing a Mortgage Loan, including any REO Property, consisting of an Estate in Real Property improved by a Residential Dwelling.

 

“Mortgagor”: The obligor on a Mortgage Note.

 

“Net WAC Rate”: The Net WAC Rate for any Distribution Date and the Group 1-1 Mortgage Loans is a rate per annum equal to the weighted average of the Expense Adjusted Mortgage Rates of the Group 1-1 Mortgage Loans, weighted based on their Principal Balances as of the first day of the related Due Period. For federal income tax purposes, the equivalent of the foregoing shall be expressed as the weighted average of the REMIC I-B Remittance Rate on REMIC I-B Regular Interest LT1-A1, weighted on the basis of the Uncertificated Balance of such REMIC I-B Regular Interest.The Net WAC Rate for any Distribution Date and the Group 1-2 Mortgage Loans is a rate per annum equal to the weighted average of the Expense Adjusted Mortgage
Rates of the Group 1-2 Mortgage Loans, weighted based on their Principal Balances as of the first day of the related Due Period. For federal income tax purposes, the equivalent of the foregoing shall be expressed as the weighted average of the REMIC I-B Remittance Rate on REMIC I-B Regular Interest LT1-A2A and REMIC I-B Regular Interest LT1-A2B, weighted on the basis of the Uncertificated Balance of each such REMIC I-B Regular Interest.The Net WAC Rate for any Distribution Date and the Group 1-3 Mortgage Loans is a rate per annum equal to the weighted average of the Expense Adjusted Mortgage Rates of the Group 1-3 Mortgage Loans, weighted based on their Principal Balances as of the first day of the related Due Period. For federal income tax purposes, the equivalent of the foregoing shall be expressed as the weighted average of the REMIC I-B Remittance Rate on REMIC I-B Regular Interest LT1-A3A and REMIC I-B Regular Interest LT1-A3B, weighted on the basis of the Uncertificated Balance of each such
REMIC I-B Regular Interest.The Net WAC Rate for any Distribution Date and the Group 1-4 Mortgage Loans is a rate per annum equal to the weighted average of the Expense Adjusted Mortgage Rates of the Group 1-4 Mortgage Loans, weighted based on their Principal Balances as of the first day of the related Due Period. For federal income tax purposes, the equivalent of the foregoing shall be expressed as the weighted average of the REMIC I-B Remittance Rate on REMIC I-B Regular Interest LT1-A4A and REMIC I-B Regular Interest LT1-A4B, weighted on the basis of the Uncertificated Balance of each such REMIC I-B Regular Interest.The Net WAC Rate for any Distribution Date and the Group 2-1 Mortgage Loans is a rate per annum equal to the weighted average of the Expense Adjusted Mortgage Rates of the Group 2-1 Mortgage Loans, weighted based on their Principal Balances as of the first day of the related Due Period. For federal income tax purposes, the equivalent of the foregoing shall be expressed as the weighted
average of the REMIC II-B Remittance Rate on REMIC II-B Regular Interest LT2-A1A and REMIC II-B Regular Interest LT2-A1B, weighted on the basis of the Uncertificated Balance of each such REMIC II-B Regular Interest.The Net WAC Rate for any Distribution Date and the Group 2-2 Mortgage Loans is a rate per annum equal to the weighted average of the Expense Adjusted Mortgage Rates of the Group 2-2 Mortgage Loans, weighted based on their Principal Balances as of the first day of the related Due Period. For federal income tax purposes, the equivalent of the foregoing shall be expressed as the weighted average of the REMIC II-B Remittance Rate on REMIC II-B Regular Interest LT2-A2A and REMIC II-B Regular Interest LT2-A2B, weighted on the basis of the Uncertificated Balance of each such REMIC II-B Regular Interest.The Net WAC Rate for any Distribution Date and the Group 2-3 Mortgage Loans is a rate per annum equal to the weighted average of the Expense Adjusted Mortgage Rates of the Group 2-3 Mortgage Loans,
weighted based on their Principal Balances as of the first day of the related Due Period. For federal income tax purposes, the equivalent of the foregoing shall be expressed as the weighted average of the REMIC II-B Remittance Rate on REMIC II-B Regular Interest LT2-A3A and REMIC II-B Regular Interest LT2-A3B, weighted on the basis of the Uncertificated Balance of each such REMIC II-B Regular Interest.The Net WAC Rate for any Distribution Date and the Group 2-4 Mortgage Loans is a rate per annum equal to the weighted average of the Expense Adjusted Mortgage Rates of the Group 2-4 Mortgage Loans, weighted based on their Principal Balances as of the first day of the related Due Period. For federal income tax purposes, the equivalent of the foregoing shall be expressed as the weighted average of the REMIC II-B Remittance Rate on REMIC II-B Regular Interest LT2-A4A and REMIC II-B Regular Interest LT2-A4B, weighted on the basis of the Uncertificated Balance of each such REMIC II-B Regular
Interest.

 

“New Lease”: Any lease of REO Property entered into on behalf of REMIC I-A, or REMIC II-A, including any lease renewed or extended on behalf of REMIC I-A or REMIC II-A, if REMIC I-A or REMIC II-A, as applicable, has the right to renegotiate the terms of such lease.

 

“Nonrecoverable P&I Advance”: Any P&I Advance previously made or proposed to be made in respect of a Mortgage Loan or REO Property that, in the good faith business judgment of the Master Servicer, will not or, in the case of a proposed P&I Advance, would not be ultimately recoverable from related late payments, Insurance Proceeds or Liquidation Proceeds on such Mortgage Loan or REO Property as provided herein.

 

“Non-United States Person”: Any Person other than a United States Person.

 

“Notional Amount”: For any Distribution Date and the Class 1-2IO Certificate, the sum of the Certificate Principal Balance of the Class 1-A2A Certificates and the Certificate Principal Balance of the Class 1-A2B Certificates, in each case immediately prior to such Distribution Date. For federal income tax purposes, the Notional Amount of the Class 1-2IO Certificate for any Distribution Date shall be the sum of the Uncertificated Balance of REMIC I-B Regular Interest LT1-A2A and REMIC I-B Regular Interest LT1-A2B. For any Distribution Date and the Class 1-3IO Certificate, the sum of the Certificate Principal Balance of the Class 1-A3A Certificates and the Certificate Principal Balance of the Class 1-A3B Certificates, in each case immediately prior to such Distribution Date. For federal income tax
purposes, the Notional Amount of the Class 1-3IO Certificate for any Distribution Date shall be the sum of the Uncertificated Balance of REMIC I-B Regular Interest LT1-A3A and REMIC I-B Regular Interest LT1-A3B. For any Distribution Date and the Class 1-4IO Certificate, the sum of the Certificate Principal Balance of the Class 1-A4A Certificates and the Certificate Principal Balance of the Class 1-A4B Certificates, in each case immediately prior to such Distribution Date. For federal income tax purposes, the Notional Amount of the Class 1-4IO Certificate for any Distribution Date shall be the sum of the Uncertificated Balance of REMIC I-B Regular Interest LT1-A4A and REMIC I-B Regular Interest LT1-A4B. For any Distribution Date and the Class 2-1IO Certificate, the sum of the Certificate Principal Balance of the Class 2-A1A Certificates and the Certificate Principal Balance of the Class 2-A1B Certificates, in each case, immediately prior to such Distribution Date. For federal income tax purposes, the
Notional Amount of the Class 2-1IO Certificate for any Distribution Date shall be the sum of the Uncertificated Balance of REMIC II-B Regular Interest LT2-A1A and REMIC II-B Regular Interest LT2-A1B. For any Distribution Date and the Class 2-2IO Certificate, the sum of the Certificate Principal Balance of the Class 2-A2A Certificates and the Certificate Principal Balance of the Class 2-A2B Certificates. For federal income tax purposes, the Notional Amount of the Class 2-2IO Certificate for any Distribution Date shall be the sum of the Uncertificated Balance of REMIC II-B Regular Interest LT2-A2A and REMIC II-B Regular Interest LT2-A2B. For any Distribution Date and the Class 2-3IO Certificate, the sum of the Certificate Principal Balance of the Class 2-A3A Certificates and the Certificate Principal Balance of the Class 2-A3B Certificates, in each case, immediately prior to such Distribution Date. For federal income tax purposes, the Notional Amount of the Class 2-3IO Certificate for any Distribution
Date shall be the sum of the Uncertificated Balance of REMIC II-B Regular Interest LT2-A3A and REMIC II-B Regular Interest LT2-A3B. For any Distribution Date and the Class 2-4IO Certificate, the sum of the Certificate Principal Balance of the Class 2-A4A Certificates and the Certificate Principal Balance of the Class 2-A4B Certificates, in each case, immediately prior to such Distribution Date. For federal income tax purposes, the Notional Amount of the Class 2-4IO Certificate for any Distribution Date shall be the sum of the Uncertificated Balance of REMIC II-B Regular Interest LT2-A4A and REMIC II-B Regular Interest LT2-A4B.

 

“Officers’ Certificate”: A certificate signed by the Chairman of the Board, the Vice Chairman of the Board, the President or a vice president (however denominated), and by the Treasurer, the Secretary, or one of the assistant treasurers or assistant secretaries of the Seller or the Depositor, as applicable; with respect to the Master Servicer, any officer who is authorized to act for the Master Servicer in matters relating to this Agreement, and whose action is binding upon the Master Servicer, initially including those individuals whose names appear on the list of authorized officers delivered at the closing.

 

“Opinion of Counsel”: A written opinion of counsel, who may, without limitation, be salaried counsel for the Depositor, the Master Servicer or the Trust Administrator acceptable to the Trustee, if such opinion is delivered to the Trustee, or reasonably acceptable to the Trust Administrator, if such opinion is delivered to the Trust Administrator, except that any opinion of counsel relating to (a) the qualification of any Trust REMIC as a REMIC or (b) compliance with the REMIC Provisions must be an opinion of Independent counsel.

 

“Original Mortgage Loan”: Any Mortgage Loan included in the Trust Fund as of the Closing Date.

 

“Originator”: American Home Mortgage Corp., Countrywide Home Loans, Inc., Fifth Third Bank, MortgageIT, Inc., Residential Financial Corporation, Secured Bankers Mortgage Company, Quicken Loans Inc., HomeBanc Mortgage Corporation and Wells Fargo Bank, N.A., as applicable. 

 

“Overcollateralized Amount”: As to any Distribution Date and a Collateral Pool, an amount equal to the sum of the Undercollateralized Amounts for the Loan Groups relating to the same Collateral Pool.

 

“Overcollateralized Loan Group”: With respect to any Distribution Date and a Collateral Pool, the Loan Group or Loan Groups within such Collateral Pool for which there is no Undercollateralized Amount.

 

“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 any Distribution Date and 

 

(a)  the Class 1-A1 Certificates, the Net WAC Rate for the Group 1-1 Mortgage Loans;

 

(b)  the Class 1-A2A and Class 1-A2B Certificates, (i) if such Distribution Date is the 1st Distribution Date through and including the 33rd Distribution Date, a per annum rate equal to the Net WAC Rate of the Group 1-2 Mortgage Loans minus 0.152% per annum or (ii) if such Distribution Date is after the 33rd Distribution Date, a per annum rate equal to the Net WAC Rate of the Group 1-2 Mortgage Loans;

 

(c)  the Class 1-2IO Certificates, (i) if such Distribution Date is the 1st Distribution Date through and including the 33rd Distribution Date, a per annum rate equal 0.152% per annum or (ii) if such Distribution Date is after the 33rd Distribution Date, 0.00% per annum, and the Class 1-2IO Certificates will therefore then cease to accrue interest;

 

(d)  the Class 1-A3A and Class 1-A3B Certificates, (i) if such Disribution Date is the 1st Distribution Date through and including the 56th Distribution Date, a per annum rate equal to the Net WAC Rate of the Group 1-3 Mortgage Loans minus 0.298% per annum or (ii) if such Disribution Date is after the 56th Distribution Date, a per annum rate equal to the Net WAC Rate of the Group 1-3 Mortgage Loans;

 

(e)  the Class 1-3IO Certificates, (i) if such Disribution Date is the 1st Distribution Date through and including the 56th Distribution Date, a per annum rate equal 0.298% per annum or (ii) if such Disribution Date is after the 56th Distribution Date, 0.00% per annum, and the Class 1-3IO Certificates will therefore then cease to accrue
interest;

 

(f)  the Class 1-A4A and Class 1-A4B Certificates, (i) if such Disribution Date is the 1st Distribution Date through and including the 78th Distribution Date, a per annum rate equal to the Net WAC Rate of the Group 1-4 Mortgage Loans minus 0.254% per annum or (ii) if such Disribution Date is after the 78th Distribution Date, a per annum rate equal to the Net WAC Rate of the Group 1-4 Mortgage Loans;

 

(g)  the Class 1-4IO Certificates, (i) if such Disribution Date is the 1st Distribution Date through and including the 78th Distribution Date, a per annum rate equal 0.254% per annum or (ii) if such Disribution Date is after the 78th Distribution Date, 0.00% per annum, and the Class 1-4IO Certificates will therefore then cease to accrue interest;

 

(h)  each Class of Group 1 Subordinate Certificates, the related Subordinate Net WAC Rate;

 

(i)  the Class 1-R Certificates, on the first Distribution Date, the Net WAC Rate for the Group 1-1 Mortgage Loans;

 

(j)  the Class 2-A1A and Class 2-A1B Certificates, (i) if such Disribution Date is the 1st Distribution Date through and including the 32nd Distribution Date, a per annum rate equal to the Net WAC Rate of the Group 2-1 Mortgage Loans minus 0.708% per annum or (ii) if such Disribution Date is after the 32nd Distribution Date, a per annum rate equal to the Net WAC Rate of the Group 2-1 Mortgage Loans;

 

(k)  the Class 2-1IO Certificates, (i) if such Disribution Date is the 1st Distribution Date through and including the 32nd Distribution Date, a per annum rate equal 0.708% per annum or (ii) if such Disribution Date is after the 32nd Distribution Date, 0.00% per annum, and the Class 2-1IO Certificates will therefore then cease to accrue interest;

 

(l)  the Class 2-A2A and Class 2-A2B Certificates, (i) if such Disribution Date is the 1st Distribution Date through and including the 57th Distribution Date, a per annum rate equal to the Net WAC Rate of the Group 2-2 Mortgage Loans minus 0.769% per annum or (ii) if such Disribution Date is after the 57th Distribution Date, a per annum rate equal to the Net WAC Rate of the Group 2-2 Mortgage Loans;

 

(m)  the Class 2-2IO Certificates, (i) if such Disribution Date is the 1st Distribution Date through and including the 57th Distribution Date, a per annum rate equal 0.769% per annum or (ii) if such Disribution Date is after the 57th Distribution Date, 0.00% per annum, and the Class 2-2IO Certificates will therefore then cease to accrue interest;

 

(n)  the Class 2-A3A and Class 2-A3B Certificates, (i) if such Disribution Date is the 1st Distribution Date through and including the 81st Distribution Date is a per annum rate equal to the Net WAC Rate of the Group 2-3 Mortgage Loans minus 0.710% per annum or (ii) if such Disribution Date is after the 81st Distribution Date, a per annum rate equal to the Net WAC Rate of the Group 2-3 Mortgage Loans;

 

(o)  the Class 2-3IO Certificates, (i) if such Disribution Date is the 1st Distribution Date through and including the 81st Distribution Date is a per annum rate equal 0.710% per annum or (ii) if such Disribution Date is after the 81st Distribution Date, 0.00% per annum, and the Class 2-3IO Certificates will therefore then cease to accrue interest;

 

(p)  the Class 2-A4A and Class 2-A4B Certificates, (i) if such Disribution Date is the 1st Distribution Date through and including the 116th Distribution Date is a per annum rate equal to the Net WAC Rate of the Group 2-4 Mortgage Loans minus 0.426% per annum or (ii) if such Disribution Date is after the 116th Distribution Date, a per annum rate equal to the Net WAC Rate of the Group 2-4 Mortgage Loans;

 

(q)  the Class 2-4IO Certificates, (i) if such Disribution Date is the 1st Distribution Date through and including the 116th Distribution Date is a per annum rate equal 0.426% per annum or (ii) if such Disribution Date is after the 116th Distribution Date, 0.00% per annum, and the Class 2-4IO Certificates will therefore then cease to accrue interest;

 

(r)  each Class of Group 2 Subordinate Certificates, the related Subordinate Net WAC Rate; and

 

(s)  the Class 2-R Certificates, on the first Distribution Date the Net WAC Rate for the Group 2-2 Mortgage Loans.

 

“Paying Agent”: Citibank, or its successor in interest, or any successor paying agent appointed as herein provided.

 

“Periodic Rate Cap”: With respect to each Adjustable-Rate Mortgage Loan and any Adjustment Date therefor, the fixed percentage set forth in the related Mortgage Note, which is the maximum amount by which the Mortgage Rate for such Mortgage Loan may increase or decrease (without regard to the Maximum Mortgage Rate or the Minimum Mortgage Rate) on such Adjustment Date from the Mortgage Rate in effect immediately prior to such Adjustment Date.

 

“Percentage Interest”: With respect to any Class of Certificates, the portion of the respective Class evidenced by such Certificate, expressed as a percentage, the numerator of which is the initial Certificate Principal Balance or Notional Amount represented by such Certificate, and the denominator of which is the initial aggregate Certificate Principal Balance or Notional Amount of all of the Certificates of such Class. The Book-Entry Certificates are issuable only in Percentage Interests corresponding to initial Certificate Principal Balances or Notional Amounts of $100,000 and integral multiples of $1.00 in excess thereof. The Class P Certificates and the Residual Certificates are issuable only in Percentage Interests of 20% and multiples thereof.

 

“Permitted Investments”: Any one or more of the following obligations or securities acquired at a purchase price of not greater than par, regardless of whether issued by the Depositor, the Master Servicer, the Trustee, the Paying Agent, the Authenticating Agent, the Certificate Registrar, the Trust Administrator or any of their respective Affiliates:

 

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

 

(ii) demand and time deposits in, certificates of deposit of, or 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 and issued by, any Depository Institution;

 

(iii) repurchase obligations with respect to any security described in clause (i) above entered into with a Depository Institution (acting as principal);

 

(iv) securities bearing interest or sold at a discount that are issued by any corporation incorporated under the laws of the United States of America or any state thereof and that are rated by the Rating Agencies in its highest long-term unsecured rating category at the time of such investment or contractual commitment providing for such investment;

 

(v) commercial paper (including both non-interest-bearing discount obligations and interest-bearing obligations payable on demand or on a specified date not more than 30 days after the date of acquisition thereof) that is rated by the Rating Agencies in its highest short-term unsecured debt rating available at the time of such investment;

 

(vi) units of money market funds, including money market funds advised by the Trustee, the Trust Administrator or an Affiliate of either of them, that have been rated “AAA” by S&P and in the highest rating category by Fitch if rated by Fitch; and

 

(vii) if previously confirmed in writing to the Master Servicer, the Trustee and the Trust Administrator, any other demand, money market or time deposit, or any other obligation, security or investment, as may be acceptable to the Rating Agencies as a permitted investment of funds backing securities having ratings equivalent to its highest initial rating of the Senior Certificates;

 

provided, however, that no instrument described hereunder shall evidence either the right to receive (a) only interest with respect to the obligations underlying such instrument or (b) both principal and interest payments derived from obligations underlying such instrument and the interest and principal payments with respect to such instrument provide a yield to maturity at par greater than 120% of the yield to maturity at par of the underlying obligations.

 

“Permitted Transferee”: Any Transferee of a Residual Certificate other than a Disqualified Organization or Non-United States Person.

 

“Person”: Any individual, corporation, partnership, limited liability company, joint venture, association, joint-stock company, trust, unincorporated organization or government or any agency or political subdivision thereof.

 

“P&I Advance”: As to any Mortgage Loan or REO Property, any advance made by the Master Servicer in respect of any Distribution Date pursuant to Section 4.03.

 

“Plan”: Any employee benefit plan or certain other retirement plans and arrangements, including individual retirement accounts and annuities, Keogh plans and bank collective investment funds and insurance company general or separate accounts in which such plans, accounts or arrangements are invested, that are subject to ERISA or Section 4975 of the Code.

 

“Prepayment Assumption”: A prepayment rate for the Mortgage Loans in Collateral Pool 1 and Collateral Pool 2 of 25% CPR. The Prepayment Assumption is used solely for determining the accrual of original issue discount on the Certificates for federal income tax purposes. A CPR (Constant Prepayment Rate) represents an annualized constant assumed rate of prepayment each month of a pool of mortgage loans relative to its outstanding principal balance for the life of such pool.

 

“Prepayment Interest Shortfall”: With respect to any Distribution Date, for each Mortgage Loan that was during the related Prepayment Period the subject of a Principal Prepayment in full or in part occurring between the first day of the related Prepayment Period and the last day of the calendar month preceding the calendar month in which such Distribution Date occurs, an amount equal to interest at the applicable Mortgage Loan Remittance Rate on the amount of such Principal Prepayment for the number of days commencing on the date on which the prepayment is applied and ending on the last day of the calendar month preceding the calendar month in which such Distribution Date occurs. The obligations of the Master Servicer in respect of any Prepayment Interest Shortfall are set forth in Section
3.24.

 

“Prepayment Period”: With respect to the Countrywide Mortgage Loans and any Distribution Date, the period that commences on the second day of the month immediately preceding the month in which such Distribution Date occurs and ends on the first day of the month in which such Distribution Date occurs. With respect to the Wells Fargo Mortgage Loans originated by an Originator other than Wells Fargo and any Distribution Date, the period commencing on the 14th day of the calendar month preceding the calendar month in which such Distribution Date occurs (or, in the case of the first Distribution Date, commencing on October 1, 2006) and ending on the 13th day of the calendar month in which such Distribution Date occurs. With respect to the Wells Fargo Mortgage Loans originated by Wells Fargo and any
Distribution Date, the calendar month immediately preceding the month in which such distribution date occurs. With respect to the Fifth Bank Mortgage Loans, the CitiMortgage Mortgage Loans and the HomeBanc Mortgage Loans and any Distribution Date, the calendar month immediately preceding the month in which such Distribution Date occurs. 

 

“Primary Mortgage Insurance Policy”: Each primary policy of mortgage guaranty insurance in effect as represented in the Mortgage Loan Purchase Agreement and as so indicated on the Mortgage Loan Schedule, or any replacement policy therefor obtained by the Master Servicer or any Sub-Servicer pursuant to Section 3.13. 

 

“Prime Rate”: The lesser of (i) the per annum rate of interest, publicly announced from time to time by JPMorgan Chase Bank, N.A. at its principal office in the City of New York, as its prime or base lending rate (any change in such rate of interest to be effective on the date such change is announced by JPMorgan Chase Bank, N.A.) and (ii) the maximum rate permissible under applicable usury or similar laws limiting interest rates.

 

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

 

“Private Certificates”: The Class 1-B4 Certificates, Class 1-B5 Certificates, Class 1- B6 Certificates, Class 2-B4 Certificates, Class 2-B5 Certificates, Class 2- B6 Certificates, the Class 1-P Certificates and the Class 2-P Certificates. 

 

“Purchase Price”: With respect to any Mortgage Loan or REO Property to be purchased pursuant to or as contemplated by Section 2.03, Section 3.16(c) or Section 9.01, and as confirmed by an Officers’ Certificate from the Master Servicer to the Trustee and the Trust Administrator, an amount equal to the sum of: (i) 100% of the Stated Principal Balance thereof as of the date of purchase (or such other price as provided in Section 9.01), (ii) in the case of (x) a Mortgage Loan, accrued interest on such Stated Principal Balance at the applicable Mortgage Loan Remittance Rate in effect from time to time from the Due Date as to which interest was last covered by a payment by the Mortgagor or an advance by the Master Servicer, which payment or advance had as of the date of purchase been distributed
pursuant to Section 4.01, through the end of the calendar month in which the purchase is to be effected, and (y) an REO Property, the sum of (1) accrued interest on such Stated Principal Balance at the applicable Mortgage Loan Remittance Rate in effect from time to time from the Due Date as to which interest was last covered by a payment by the Mortgagor or an advance by the Master Servicer through the end of the calendar month immediately preceding the calendar month in which such REO Property was acquired, plus (2) REO Imputed Interest for such REO Property for each calendar month commencing with the calendar month in which such REO Property was acquired and ending with the calendar month in which such purchase is to be effected, minus the total of all net rental income, Insurance Proceeds, Liquidation Proceeds and P&I Advances that as of the date of purchase had been distributed as or to cover REO Imputed Interest pursuant to Section 4.01, (iii) any unreimbursed Servicing Advances and P&I
Advances and any unpaid Servicing Fees allocable to such Mortgage Loan or REO Property; (iv) any amounts previously withdrawn from the Collection Account in respect of such Mortgage Loan or REO Property pursuant to Sections 3.11(a)(ix) and Section 3.16(b), and (v) in the case of a Mortgage Loan required to be purchased pursuant to Section 2.03, expenses incurred or to be incurred by the Trust Fund in respect of the breach or defect giving rise to the purchase obligation including any costs and damages incurred by the Trust Fund in connection with any violation of any predatory or abusive lending law with respect to the related Mortgage Loan.

 

“Qualified Insurer”: Any insurer which meets the requirements of Fannie Mae and Freddie Mac.

 

“Qualified Substitute Mortgage Loan”: A mortgage loan substituted for a Deleted Mortgage Loan pursuant to the terms of this Agreement which must, on the date of such substitution, (i) have an outstanding principal balance, after application of all scheduled payments of principal and interest due during or prior to the month of substitution, not in excess of the Scheduled Principal Balance of the Deleted Mortgage Loan as of the Due Date in the calendar month during which the substitution occurs, (ii) have a Mortgage Rate not less than (and not more than one percentage point in excess of) the Mortgage Rate of the Deleted Mortgage Loan, (iii) have a Maximum Mortgage Rate not less than the Maximum Mortgage Rate on the Deleted Mortgage Loan, (iv) have a Minimum Mortgage Rate not less than the Minimum
Mortgage Rate of the Deleted Mortgage Loan, (v) have a Gross Margin equal to the Gross Margin of the Deleted Mortgage Loan, (vi) have a next Adjustment Date not more than two months later than the next Adjustment Date on the Deleted Mortgage Loan, (vii) be covered under a Primary Mortgage Insurance Policy if such Qualified Substitute Mortgage Loan has a Loan-to-Value Ratio in excess of 80% and the Deleted Mortgage Loan was covered by a Primary Mortgage Insurance Policy, (viii) have a remaining term to maturity not greater than (and not more than one year less than) that of the Deleted Mortgage Loan, (ix) have the same Due Date as the Due Date on the Deleted Mortgage Loan, (x) have a Loan-to-Value Ratio as of the date of substitution equal to or lower than the Loan-to-Value Ratio of the Deleted Mortgage Loan as of such date, (xi) [intentionally omitted]; and (xii) conform to each representation and warranty set forth in Section 6 of the Mortgage Loan Purchase Agreement applicable to the Deleted
Mortgage Loan. In the event that one or more mortgage loans are substituted for one or more Deleted Mortgage Loans, the amounts described in clause (i) hereof shall be determined on the basis of aggregate principal balances, the Mortgage Rates described in clause (ii) hereof shall be determined on the basis of weighted average Mortgage Rates, the terms described in clause (viii) shall be determined on the basis of weighted average remaining terms to maturity, the Loan-to-Value Ratios described in clause (x) hereof shall be satisfied as to each such mortgage loan and, except to the extent otherwise provided in this sentence, the representations and warranties described in clause (xii) hereof must be satisfied as to each Qualified Substitute Mortgage Loan or in the aggregate, as the case may be.

 

“Quicken”: Quicken Loans Inc., or its successor in interest.

 

“Quicken Mortgage Loans”: The Mortgage Loans originated by Quicken. 

 

“Rate/Term Refinancing”: A Refinanced Mortgage Loan, the proceeds of which are not in excess of the existing first mortgage loan on the related Mortgaged Property and related closing costs, and were used exclusively to satisfy the then existing first mortgage loan of the Mortgagor on the related Mortgaged Property and to pay related closing costs.

 

“Rating Agencies”: S&P and Fitch or their successors. If such agencies or their successors are no longer in existence, the “Rating Agencies” shall be such nationally recognized statistical rating agencies, or other comparable Persons, designated by the Depositor, written notice of which designation shall be given to the Trustee, the Trust Administrator, the Paying Agent, the Authenticating Agent, the Certificate Registrar and the Master Servicer.

 

“Realized Loss”: With respect to each Mortgage Loan as to which a Final Recovery Determination has been made, an amount (not less than zero) equal to (i) the unpaid principal balance of such Mortgage Loan as of the commencement of the calendar month in which the Final Recovery Determination was made, plus (ii) accrued interest from the Due Date as to which interest was last paid by the Mortgagor through the end of the calendar month in which such Final Recovery Determination was made, calculated in the case of each calendar month during such period (A) at an annual rate equal to the annual rate at which interest was then accruing on such Mortgage Loan and (B) on a principal amount equal to the Stated Principal Balance of such Mortgage Loan as of the close of business on the Distribution Date during
such calendar month, plus (iii) any amounts previously withdrawn from the Collection Account in respect of such Mortgage Loan pursuant to Section 3.11(a)(ix) and Section 3.16(b), minus (iv) the proceeds, if any, received in respect of such Mortgage Loan prior to the date such Final Recovery Determination was made, net of amounts that are payable therefrom to the Master Servicer with respect to such Mortgage Loan pursuant to Section 3.11(a)(iii).

 

With respect to any REO Property as to which a Final Recovery Determination has been made an amount (not less than zero) equal to (i) the unpaid principal balance of the related Mortgage Loan as of the date of acquisition of such REO Property on behalf of any REMIC, plus (ii) accrued interest from the Due Date as to which interest was last paid by the Mortgagor in respect of the related Mortgage Loan through the end of the calendar month immediately preceding the calendar month in which such REO Property was acquired, calculated in the case of each calendar month during such period (A) at an annual rate equal to the annual rate at which interest was then accruing on the related Mortgage Loan and (B) on a principal amount equal to the Stated Principal Balance of the related Mortgage Loan as of the close of
business on the Distribution Date during such calendar month, plus (iii) REO Imputed Interest for such REO Property for each calendar month commencing with the calendar month in which such REO Property was acquired and ending with the calendar month that occurs during the Prepayment Period in which such Final Recovery Determination was made, plus (iv) any amounts previously withdrawn from the Collection Account in respect of the related Mortgage Loan pursuant to Section 3.11(a)(ix) and Section 3.16(b), minus (v) the aggregate of all Servicing Advances made by the Master Servicer in respect of such REO Property or the related Mortgage Loan (without duplication of amounts netted out of the rental income, Insurance Proceeds and Liquidation Proceeds described in clause (vi) below) and any unpaid Servicing Fees for which the Master Servicer has been or, in connection with such Final Recovery Determination, will be reimbursed pursuant to Section 3.11(a)(iii) or Section 3.23 out of rental income, Insurance
Proceeds and Liquidation Proceeds received in respect of such REO Property, minus (v) the total of all net rental income, Insurance Proceeds and Liquidation Proceeds received in respect of such REO Property that has been, or in connection with such Final Recovery Determination, will be transferred to the Distribution Account pursuant to Section 3.23.

 

With respect to each Mortgage Loan which has become the subject of a Deficient Valuation, the difference between the Stated Principal Balance of the Mortgage Loan outstanding immediately prior to such Deficient Valuation and the Stated Principal Balance of the Mortgage Loan as reduced by the Deficient Valuation.

 

With respect to each Mortgage Loan which has become the subject of a Debt Service Reduction, the portion, if any, of the reduction in each affected Monthly Payment attributable to a reduction in the Mortgage Rate imposed by a court of competent jurisdiction. Each such Realized Loss shall be deemed to have been incurred on the Due Date for each affected Monthly Payment.

 

“Record Date”: With respect to each Distribution Date and any Certificate, the last Business Day of the month immediately preceding the month in which such Distribution Date occurs. 

 

“Refinanced Mortgage Loan”: A Mortgage Loan the proceeds of which were not used to purchase the related Mortgaged Property.

 

“Regular Certificate”: Any Senior Certificate or Subordinate Certificate.

 

“Regular Interest”: A “regular interest” in a REMIC within the meaning of Section 860G(a)(1) of the Code.

 

“Relief Act”: The Servicemembers Civil Relief Act, as amended.

 

“Relief Act Interest Shortfall”: With respect to any Distribution Date and any Mortgage Loan, any reduction in the amount of interest collectible on such Mortgage Loan for the most recently ended calendar month as a result of the application of the Relief Act.

 

“REMIC”: A “real estate mortgage investment conduit” within the meaning of Section 860D of the Code.

 

“REMIC I-A”: As defined in the Preliminary Statement.

 

“REMIC I-A Regular Interests”: The REMIC I-A Regular Interests, as set forth in the Preliminary Statement. 

 

“REMIC I-A Remittance Rate”: With respect to REMIC I-A Regular Interest LT-1A, REMIC I-A Regular Interest LT-2A, REMIC I-A Regular Interest LT-3A, REMIC I-A Regular Interest LT-4A, REMIC I-A Regular Interest LT-ZZZ, REMIC I-A Regular Interest LT-R and REMIC I-A Regular Interest LT-P, the weighted average of the Expense Adjusted Mortgage Rates of the Group 1 Mortgage Loans, weighted based on their principal balances as of the first day of the related Due Period. With respect to REMIC I-A Regular Interest LT-1B, REMIC I-A Regular Interest LT-2B, REMIC I-A Regular Interest LT-3B and REMIC I-A Regular Interest LT-4B, the weighted average of the Expense Adjusted Mortgage Rates of the Mortgage Loans in the related Loan Group, weighted based on their principal balances as of the first day of the related Due
Period.

 

“REMIC I-A Subordinated Balance Ratio”: The ratio among the Uncertificated Balances of each REMIC I-A Regular Interest ending with the designation “A”, equal to the ratio between, with respect to each such REMIC I-A Regular Interest, the excess of (x) the aggregate Stated Principal Balance of the Mortgage Loans in the related Loan Group over (y) the current aggregate Certificate Principal Balance of the Class A Certificates relating to such Loan Group, Class 1-R, Class 2-R, Class 1-P and Class 2-P Certificates.

 

“REMIC I-B Regular Interests”: The REMIC I-B Regular Interests, as set forth in the Preliminary Statement.

 

“REMIC I-B Remittance Rate”: With respect to the REMIC I-B Regular Interest LT1-R, REMIC I-B Regular Interest LT1-P and REMIC I-B Regular Interest LT1-A1, a per annum rate equal to the REMIC I-A Remittance Rate on REMIC I-A Regular Interest LT-1B. 

 

With respect to the REMIC I-B Regular Interest LT1-A2A and REMIC I-B Regular Interest LT1-A2B and any Interest Accrual Period, a per annum rate equal to the REMIC I-A Remittance Rate on REMIC I-A Regular Interest LT-2B. 

 

With respect to REMIC I-B Regular Interest LT1-A3A and REMIC I-B Regular Interest LT1-A3B and any Interest Accrual Period, a per annum rate equal to the REMIC I-A Remittance Rate on REMIC I-A Regular Interest LT-3B.

 

With respect to REMIC I-B Regular Interest LT1-A4A and REMIC I-B Regular Interest LT1-A4B and any Interest Accrual Period, a per annum rate equal to the REMIC I-A Remittance Rate on REMIC I-A Regular Interest LT-4B.

 

With respect to REMIC I-B Regular Interest LT1-B1, REMIC I-B Regular Interest LT1-B2, REMIC I-B Regular Interest LT1-B3, REMIC I-B Regular Interest LT1-B4, REMIC I-B Regular Interest LT1-B5 and REMIC I-B Regular Interest LT1-B6, the weighted average of the REMIC I-A Remittance Rates on REMIC I-A Regular Interest LT-1A, REMIC I-A Regular Interest LT-2A, REMIC I-A Regular Interest LT-3A and REMIC I-A Regular Interest LT-4A, subject to a cap and a floor equal to the REMIC I-A Remittance Rate on REMIC I-A Regular Interest LT-1B, REMIC I-A Regular Interest LT-2B, REMIC I-A Regular Interest LT-3B and REMIC I-A Regular Interest LT-4B, respectively, weighted on the basis of the Uncertificated Balance of each such REMIC I-A Regular Interest.

 

“REMIC II-A”: As defined in the Preliminary Statement. 

 

“REMIC II-A Regular Interests”: The REMIC II-A Regular Interests, as set forth in the Preliminary Statement.

 

“REMIC II-A Remittance Rate”: With respect to REMIC II-A Regular Interest LT-1A, REMIC II-A Regular Interest LT-2A, REMIC II-A Regular Interest LT-3A, REMIC II-A Regular Interest LT-4A, REMIC II-A Regular Interest LT-ZZZ, REMIC II-A Regular Interest LT-R and REMIC II-A Regular Interest LT-P, the weighted average of the Expense Adjusted Mortgage Rates of the Group 2 Mortgage Loans, weighted based on their principal balances as of the first day of the related Due Period. With respect to REMIC II-A Regular Interest LT-1B, REMIC II-A Regular Interest LT-2B, REMIC II-A Regular Interest LT-3B and REMIC II-A Regular Interest LT-4B, the weighted average of the Expense Adjusted Mortgage Rates of the Mortgage Loans in the related Loan Group, weighted based on their principal balances as of the first day of the
related Due Period.

 

“REMIC II-A Subordinated Balance Ratio”: The ratio among the Uncertificated Balances of each REMIC II-A Regular Interest ending with the designation “A”, equal to the ratio between, with respect to each such REMIC II-A Regular Interest, the excess of (x) the aggregate Stated Principal Balance of the Mortgage Loans in the related Loan Group over (y) the current aggregate Certificate Principal Balance of the Senior Certificates relating to such Loan Group (and, if applicable, the Uncertificated Balance of REMIC II-A Regular Interest LT-R and REMIC II-A Regular Interest LT-P).

 

“REMIC II-B Regular Interests”: The REMIC II-B Regular Interests, as set forth in the Preliminary Statement.

 

“REMIC II-B Remittance Rate”: With respect to the REMIC II-B Regular Interest LT2-R, REMIC II-B Regular Interest LT2-P, REMIC II-B Regular Interest LT2-A1A and REMIC II-B Regular Interest LT2-A1B, a per annum rate equal to the REMIC II-A Remittance Rate on REMIC II-A Regular Interest LT-1B. 

 

With respect to the REMIC II-B Regular Interest LT2-A2A and REMIC II-B Regular Interest LT2-A2B and any Interest Accrual Period, a per annum rate equal to the REMIC II-A Remittance Rate on REMIC II-A Regular Interest LT-2B. 

 

With respect to REMIC II-B Regular Interest LT2-A3A and REMIC II-B Regular Interest LT2-A3B and any Interest Accrual Period, a per annum rate equal to the REMIC II-A Remittance Rate on REMIC II-A Regular Interest LT-3B.

 

With respect to REMIC II-B Regular Interest LT2-A4A and REMIC II-B Regular Interest LT2-A4B and any Interest Accrual Period, a per annum rate equal to the REMIC II-A Remittance Rate on REMIC II-A Regular Interest LT-4B.

 

With respect to REMIC II-B Regular Interest LT2-B1, REMIC II-B Regular Interest LT2-B2, REMIC II-B Regular Interest LT2-B3, REMIC II-B Regular Interest LT2-B4, REMIC II-B Regular Interest LT2-B5 and REMIC II-B Regular Interest LT2-B6, the weighted average of the REMIC II-A Remittance Rates on REMIC II-A Regular Interest LT-1A, REMIC II-A Regular Interest LT-2A, REMIC II-A Regular Interest LT-3A and REMIC II-A Regular Interest LT-4A, subject to a cap and a floor equal to the REMIC II-A Remittance Rate on REMIC II-A Regular Interest LT-1B, REMIC II-A Regular Interest LT-2B, REMIC II-A Regular Interest LT-3B and REMIC II-A Regular Interest LT-4B, respectively, weighted on the basis of the Uncertificated Balance of each such REMIC II-A Regular Interest.

 

“Remittance Report”: A report in form and substance acceptable to the Trust Administrator and the Trustee prepared by the Master Servicer pursuant to Section 4.03 with such additions, deletions and modifications as agreed to by the Trustee, the Trust Administrator and the Master Servicer.

 

“Rents from Real Property”: With respect to any REO Property, gross income of the character described in Section 856(d) of the Code as being included in the term “rents from real property.”

 

“REO Account”: The account or accounts maintained by the Master Servicer in respect of an REO Property pursuant to Section 3.23.

 

“REO Disposition”: The sale or other disposition of an REO Property on behalf of any Trust REMIC.

 

“REO Imputed Interest”: As to any REO Property, for any calendar month during which such REO Property was at any time part of REMIC I-A or REMIC II-A, one month’s interest at the applicable Mortgage Loan Remittance Rate on the Stated Principal Balance of such REO Property (or, in the case of the first such calendar month, of the related Mortgage Loan if appropriate) as of the close of business on the Distribution Date in such calendar month.

 

“REO Property”: A Mortgaged Property acquired by the Master Servicer on behalf of the Trust Fund through foreclosure or deed-in-lieu of foreclosure, as described in Section 3.23.

 

“Request for Release”: A release signed by a Servicing Officer, in the form of Exhibit E attached hereto.

 

“Residential Dwelling”: Any one of the following: (i) an attached or detached one- family dwelling, (ii) a detached two- to four-family dwelling, (iii) a one-family dwelling unit in a Fannie Mae eligible condominium project, or (iv) a detached one-family dwelling in a planned unit development, none of which is a co-operative, mobile or manufactured home (as defined in 42 United States Code, Section 5402(6)).

 

“Residential Financial”: Residential Financial Corporation, or its successor in interest.

 

“Residential Financial Mortgage Loans”: The Mortgage Loans originated by Residential Financial.

 

“Residual Certificate”: Any one of the Class 1-R Certificates or Class 2-R Certificates.

 

“Residual Interest”: The sole class of “residual interests” in a REMIC within the meaning of Section 860G(a)(2) of the Code.

 

“Responsible Officer”: When used with respect to the Trust Administrator, the Paying Agent, the Certificate Registrar or the Authenticating Agent, the President, any vice president, any assistant vice president, the Secretary, any assistant secretary, the Treasurer, any assistant treasurer, any trust officer or assistant trust officer, the Controller and any assistant controller or any other officer thereof customarily performing functions similar to those performed by any of the above designated officers and, with respect to a particular matter relating to this Agreement, to whom such matter is referred because of such officer’s knowledge of and familiarity with the particular subject. When used with respect to the Trustee, any officer of the Trustee with direct responsibility for the
administration of this Agreement and, with respect to a particular matter relating to this Agreement, to whom such matter is referred because of such officer’s knowledge of and familiarity with the particular subject.

 

“Scheduled Principal Balance”: With respect to any Mortgage Loan: (a) as of the Cut-off Date, the outstanding principal balance of such Mortgage Loan as of such date, net of the principal portion of all unpaid Monthly Payments, if any, due on or before such date; (b) as of any Due Date subsequent to the Cut-off Date up to and including the Due Date in the calendar month in which a Liquidation Event occurs with respect to such Mortgage Loan, the Scheduled Principal Balance of such Mortgage Loan as of the Cut-off Date, minus the sum of (i) the principal portion of each Monthly Payment due on or before such Due Date but subsequent to the Cut-off Date, whether or not received, (ii) all Principal Prepayments received before such Due Date but after the Cut-off Date, (iii) the principal portion of all
Liquidation Proceeds and Insurance Proceeds received before such Due Date but after the Cut-off Date, net of any portion thereof that represents principal due (without regard to any acceleration of payments under the related Mortgage and Mortgage Note) on a Due Date occurring on or before the date on which such proceeds were received and (iv) any Realized Loss incurred with respect thereto as a result of a Deficient Valuation occurring before such Due Date, but only to the extent such Realized Loss represents a reduction in the portion of principal of such Mortgage Loan not yet due (without regard to any acceleration of payments under the related Mortgage and Mortgage Note) as of the date of such Deficient Valuation; and (c) as of any Due Date subsequent to the occurrence of a Liquidation Event with respect to such Mortgage Loan, zero. With respect to any REO Property: (a) as of any Due Date subsequent to the date of its acquisition on behalf of the Trust Fund up to and including the Due Date in the
calendar month in which a Liquidation Event occurs with respect to such REO Property, an amount (not less than zero) equal to the Scheduled Principal Balance of the related Mortgage Loan as of the Due Date in the calendar month in which such REO Property was acquired minus the principal portion of each Monthly Payment that would have become due on such related Mortgage Loan after such REO Property was acquired if such Mortgage Loan had not been converted to an REO Property; and (b) as of any Due Date subsequent to the occurrence of a Liquidation Event with respect to such REO Property, zero. Solely for the purposes of this definition, any Principal Prepayment, Liquidation Event or Realized Loss that is subject to a Forward Shifted Prepayment Period and that occurs after the last day of the calendar month preceding the month in which the related Distribution Date occurs shall be deemed to have occurred during such calendar month.

 

“Secured Bankers”: Secured Bankers Mortgage Company, or its successor in interest.

 

“Secured Bankers Mortgage Loans”: The Mortgage Loans originated by Secured Bankers. 

 

“Seller”: Citigroup Global Markets Realty Corp. or its successor in interest, in its capacity as seller under the Mortgage Loan Purchase Agreement.

 

“Senior Certificate”: Any Group 1 Senior Certificate or Group 2 Senior Certificate.

 

“Senior Interest Distribution Amount”: With respect to any Distribution Date and any Loan Group, an amount equal to the aggregate of the Interest Distribution Amounts for that Distribution Date for the related Class A Certificates and related Interest Only Certificates and, in the case of the first Distribution Date, for the related Residual Certificates, if applicable. 

 

“Senior Percentage”: A Group 1 Senior Percentage or Group 2 Senior Percentage, as applicable. 

 

“Senior Prepayment Percentage”: A Group 1 Senior Prepayment Percentage or Group 2 Senior Prepayment Percentage, as applicable.

 

“Senior Principal Distribution Amount”: For any Distribution Date and the related Class A Certificates and the Class 1-R Certificates relating to any Loan Group within Collateral Pool 1, an amount equal to the lesser of (i) the applicable Group 1 Available Distribution Amount remaining after distribution of the related Senior Interest Distribution Amount and (ii) the sum of:

 

(a)  the product of (x) the then-applicable related Senior Percentage and (y) the sum of the following:

 

	 	
(i)
	
the aggregate of the principal portions of all Monthly Payments due during the related Due Period in respect of the related Mortgage Loans, whether or not received; 

 

	 	
(ii)
	
the principal portion of all Insurance Proceeds, Subsequent Recoveries and Liquidation Proceeds (other than amounts described in clause (c) below) received in respect of the related Mortgage Loans during the related Prepayment Period (other than any related Mortgage Loan that was purchased, sold or replaced pursuant to or as contemplated by Section 2.03, Section 3.16(c) or Section 9.01 during the related Prepayment Period), net of any portion thereof that represents a recovery of principal for which an advance was made by the Master Servicer pursuant to Section 4.03 in respect of a preceding Distribution Date; 

 

	 	
(iii)
	
the Stated Principal Balance (calculated immediately prior to such Distribution Date) of each related Mortgage Loan that was purchased, sold or replaced pursuant to or as contemplated by Section 2.03, Section 3.16(c) or Section 9.01 during the related Prepayment Period; 

 

	 	
(iv)
	
[reserved];

 

	 	
(v)
	
in connection with the substitution of one or more Qualified Substitute Mortgage Loans for one or more Deleted Mortgage Loans in the related Loan Group pursuant to Section 2.03 during the related Prepayment Period, the excess, if any, of (A) the aggregate of the Stated Principal Balances (calculated as of the respective dates of substitution) of such Deleted Mortgage Loans, net of the aggregate of the principal portions of the Monthly Payments due during the related Prepayment Period (to the extent received from the related Mortgagor or advanced by the related Servicer and distributed pursuant to Section 4.01 on the Distribution Date in the related Prepayment Period) in respect of each such Deleted Mortgage Loan that was replaced prior to the Distribution Date in the related Prepayment Period, over (B) the aggregate of the Stated Principal
Balances (calculated as of the respective dates of substitution) of such Qualified Substitute Mortgage Loans; 

 

(b)  the product of (x) the then-applicable related Senior Prepayment Percentage and (y) all Principal Prepayments received in respect of the related Mortgage Loans during the related Prepayment Period; 

 

(c)  with respect to any related Mortgage Loan which was the subject of a Final Recovery Determination in the related Prepayment Period, the lesser of (a) the then-applicable related Senior Prepayment Percentage multiplied by the net Liquidation Proceeds and Insurance Proceeds allocable to principal in respect of such Mortgage Loan; and (b) the then-applicable related Senior Percentage multiplied by the Scheduled Principal Balance of the related Mortgage Loan at the time of such Final Recovery Determination; 

 

(d)  in the case of any Distribution Date subsequent to the initial Distribution Date, an amount equal to the excess, if any, of the amounts calculated pursuant to clauses (a), (b) and (c) above for the immediately preceding Distribution Date, over the aggregate distributions of principal made in respect of the related Class or Classes of Group 1 Senior Certificates on such immediately preceding Distribution Date pursuant to Section 4.01 to the extent that any such amounts are not attributable to Realized Losses which were allocated to the related Subordinate Certificates pursuant to Section 4.04; 

 

(e)  that portion of any Class A Principal Adjustment Amount for Collateral Pool 1 included in the Group 1 Available Distribution Amount for such Distribution Date and such Loan Group, if (i) the Subordination Test with respect to the related Subordinate Certificates has not been met with respect to such Distribution Date or (ii) no Group 1 Subordinate Certificates remain outstanding; and

 

(f)  if the Subordination Test has been met and at least one class of the Group 1 Subordinate Certificates remains outstanding, the product of (x) the then applicable related Senior Percentage and (y) that portion of any Class A Principal Adjustment Amount for Collateral Pool 1 included in the Group 1 Available Distribution Amount for such Loan Group and Distribution Date.

 

For any Distribution Date and the related Class A Certificates and the Class 2-R Certificates relating to any Loan Group within Collateral Pool 2, an amount equal to the lesser of (i) the applicable Group 2 Available Distribution Amount remaining after distribution of the related Senior Interest Distribution Amount and (ii) the sum of:

 

(a)  the product of (x) the then-applicable related Senior Percentage and (y) the sum of the following:

 

	 	
(i)
	
the aggregate of the principal portions of all Monthly Payments due during the related Due Period in respect of the related Mortgage Loans, whether or not received; 

 

	 	
(ii)
	
the principal portion of all Insurance Proceeds, Subsequent Recoveries and Liquidation Proceeds (other than amounts described in clause (c) below) received in respect of the related Mortgage Loans during the related Prepayment Period (other than any related Mortgage Loan that was purchased, sold or replaced pursuant to or as contemplated by Section 2.03, Section 3.16(c) or Section 9.01 during the related Prepayment Period), net of any portion thereof that represents a recovery of principal for which an advance was made by the Master Servicer pursuant to Section 4.03 in respect of a preceding Distribution Date; 

 

	 	
(iii)
	
the Stated Principal Balance (calculated immediately prior to such Distribution Date) of each related Mortgage Loan that was purchased, sold or replaced pursuant to or as contemplated by Section 2.03, Section 3.16(c) or Section 9.01 during the related Prepayment Period; 

 

	 	
(iv)
	
[reserved];

 

	 	
(v)
	
in connection with the substitution of one or more Qualified Substitute Mortgage Loans for one or more Deleted Mortgage Loans in the related Loan Group pursuant to Section 2.03 during the related Prepayment Period, the excess, if any, of (A) the aggregate of the Stated Principal Balances (calculated as of the respective dates of substitution) of such Deleted Mortgage Loans, net of the aggregate of the principal portions of the Monthly Payments due during the related Prepayment Period (to the extent received from the related Mortgagor or advanced by the related Servicer and distributed pursuant to Section 4.01 on the Distribution Date in the related Prepayment Period) in respect of each such Deleted Mortgage Loan that was replaced prior to the Distribution Date in the related Prepayment Period, over (B) the aggregate of the Stated Principal
Balances (calculated as of the respective dates of substitution) of such Qualified Substitute Mortgage Loans; 

 

(b)  the product of (x) the then-applicable related Senior Prepayment Percentage and (y) all Principal Prepayments received in respect of the related Mortgage Loans during the related Prepayment Period; 

 

(c)  with respect to any related Mortgage Loan which was the subject of a Final Recovery Determination in the related Prepayment Period, the lesser of (a) the then-applicable related Senior Prepayment Percentage multiplied by the net Liquidation Proceeds and Insurance Proceeds allocable to principal in respect of such Mortgage Loan and (b) the then-applicable related Senior Percentage multiplied by the Scheduled Principal Balance of the related Mortgage Loan at the time of such Final Recovery Determination; and

 

(d)  in the case of any Distribution Date subsequent to the initial Distribution Date, an amount equal to the excess, if any, of the amounts calculated pursuant to clauses (a), (b) and (c) above for the immediately preceding Distribution Date, over the aggregate distributions of principal made in respect of the related Class or Classes of Group 2 Senior Certificates on such immediately preceding Distribution Date pursuant to Section 4.01 to the extent that any such amounts are not attributable to Realized Losses which were allocated to the related Subordinate Certificates pursuant to Section 4.04; 

 

(e)  that portion, if any, of any Class A Principal Adjustment Amount for Collateral Pool 2 included in the Group 2 Available Distribution Amount for such Loan Group and such Distribution Date, if (i) the Subordination Test with respect to the related Subordinate Certificates has not been met with respect to such Distribution Date or (ii) no Group 2 Subordinate Certificates remain outstanding; and

 

(f)  if the Subordination Test has been met and at least one class of the Group 2 Subordinate Certificates remanins outstanding, the product of (x) the then applicable related Senior Percentage and (y) that portion of the Class A Principal Adjustment Amount for Collateral Pool 2 included in the Group 2 Available Distribution Amount for such Loan Group and Distribution Date.

 

“Senior Support Certificates”: Class 1-A2B Certificates, Class 1-A3B Certificates, Class 1-A4B Certificates, Class 2-A1B Certificates, Class 2-A2B Certificates, Class 2-A3B Certificates and Class 2-A4B Certificates.

 

“Servicing Account”: The account or accounts created and maintained pursuant to Section 3.09.

 

“Servicing Advances”: The reasonable “out-of-pocket” costs and expenses incurred by the Master Servicer in connection with a default, delinquency or other unanticipated event by the Master Servicer in the performance of its servicing obligations, including, but not limited to, the cost of (i) the preservation, restoration and protection of a Mortgaged Property, (ii) any enforcement or judicial proceedings, including foreclosures, in respect of a particular Mortgage Loan, 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 (including reasonable fees in connection therewith) and liquidation of any REO Property, and (iv) the performance of its obligations under Section 3.01, Section
3.09, Section 3.13, Section 3.14, Section 3.16 and Section 3.23. The Master Servicer shall not be required to make any Servicing Advance in respect of a Mortgage Loan or REO Property that, in the good faith business judgment of the Master Servicer, would not be ultimately recoverable from related Insurance Proceeds or Liquidation Proceeds on such Mortgage Loan or REO Property as provided herein.

 

“Servicing Fee”: With respect to each Mortgage Loan and for any calendar month, an amount equal to one month’s interest (or in the event of any payment of interest which accompanies a Principal Prepayment in full made by the Mortgagor during such calendar month, interest for the number of days covered by such payment of interest) at the applicable Servicing Fee Rate on the same principal amount on which interest on such Mortgage Loan accrues for such calendar month. A portion of such Servicing Fee may be retained by any Sub-Servicer as its servicing compensation.

 

“Servicing Fee Rate”: The Servicing Fee Rate on the Group 1 Mortgage Loans and the Group 2 Mortgage Loans will range from 0.250% per annum to 0.375% per annum and the Servicing Fee Rate on certain Mortgage Loans serviced by Countrywide Home Loans Servicing LP will step-up from 0.250% to 0.375% on the initial Adjustment Date. The Servicing Fee Rate for each Mortgage Loan shall be as indicated in the Mortgage Loan Schedule. 

 

“Servicing Officer”: Any employee of the Master Servicer involved in, or responsible for, the administration and servicing of the Mortgage Loans, whose name appear on a list of Servicing Officers furnished by the Master Servicer to the Trustee, the Trust Administrator and the Depositor on the Closing Date, as such list may from time to time be amended.

 

“Single Certificate”: With respect to any Class of Certificates (other than any Class of Residual Certificates), a hypothetical Certificate of such Class evidencing a Percentage Interest for such Class corresponding to an initial Certificate Principal Balance or initial Notional Amount, as applicable, of $1,000. With respect to the Residual Certificates, a hypothetical Certificate of such Class evidencing a 20% Percentage Interest in such Class.

 

“Special Hazard Amount”: For Collateral Pool 1, initially an amount equal to $4,450,413.36. For Collateral Pool 2, initially an amount equal to $5,010,424.21. As of each anniversary of the Cut-off Date, for any Collateral Pool the Special Hazard Amount shall equal the lesser of (i) the Special Hazard Amount on the immediately preceding anniversary of the Cut-off Date less the sum of all amounts allocated to the related Subordinate Certificates in respect of Special Hazard Losses on the related Mortgage Loans during such year and (ii) the related Adjustment Amount for such anniversary. After the Certificate Principal Balances of the
related Subordinate Certificates are reduced to zero, the Special Hazard Amount for a Collateral Pool will be zero.

 

“Special Hazard Loss”: Any Realized Loss or portion thereof not in excess of the lesser of the cost of repair or replacement of a Mortgaged Property suffered by such Mortgaged Property by reason of damage caused by certain hazards (including earthquakes, mudflows, and, to a limited extent, floods) not insured against under the hazard insurance policies or fire or flood insurance policies required to be maintained in respect of such Mortgaged Property pursuant to Section 3.14, or by reason of the application of any co-insurance provision. Special Hazard Losses shall not include any Extraordinary Loss or any of the following:

 

(i) wear and tear, deterioration, rust or corrosion, mold, wet or dry rot; inherent vice or latent defect; animals, birds, vermin, insects;

 

(ii) smog, smoke, vapor, liquid or dust discharge from agricultural or industrial operations; pollution; contamination;

 

(iii) settling, subsidence, cracking, shrinkage, bulging or expansion of pavements, foundations, walls, floors, roofs or ceilings; and

 

(iv) errors in design, faulty workmanship or faulty materials, unless the collapse of the property or a part thereof ensues and then only for the ensuing loss. 

 

“Sponsor”: Citigroup Global Markets Realty Corp., or its successor in interest. 

 

“S&P”: Standard & Poor’s Ratings Services, a division of the McGraw-Hill Companies, Inc., or its successor in interest.

 

“Startup Day”: With respect to any Trust REMIC, the day designated as such pursuant to Section 10.01(b) hereof.

 

“Stated Principal Balance”: With respect to any Mortgage Loan: (a) as of any date of determination up to but not including the Distribution Date on which the proceeds, if any, of a Liquidation Event with respect to such Mortgage Loan would be distributed, the Scheduled Principal Balance of such Mortgage Loan as of the Cut-off Date, as shown in the Mortgage Loan Schedule, minus the sum of (i) the principal portion of each Monthly Payment due on a Due Date subsequent to the Cut-off Date, to the extent received from the Mortgagor or advanced by the Master Servicer and distributed pursuant to Section 4.01 on or before such date of determination, (ii) all Principal Prepayments received after the Cut-off Date, to the extent distributed pursuant to Section 4.01 on or before such date of determination, (iii)
all Liquidation Proceeds and Insurance Proceeds applied by the Master Servicer as recoveries of principal in accordance with the provisions of Section 3.16, to the extent distributed pursuant to Section 4.01 on or before such date of determination, and (iv) any Realized Loss incurred with respect thereto as a result of a Deficient Valuation made during or prior to the Prepayment Period for the most recent Distribution Date coinciding with or preceding such date of determination; and (b) as of any date of determination coinciding with or subsequent to the Distribution Date on which the proceeds, if any, of a Liquidation Event with respect to such Mortgage Loan would be distributed, zero. With respect to any REO Property: (a) as of any date of determination up to but not including the Distribution Date on which the proceeds, if any, of a Liquidation Event with respect to such REO Property would be distributed, an amount (not less than zero) equal to the Stated Principal Balance of the related Mortgage
Loan as of the date on which such REO Property was acquired on behalf of the Trust Fund, minus, the principal portion of Monthly Payments that would have become due on such related Mortgage Loan after such REO Property was acquired if such Mortgage Loan had not been converted to an REO Property, to the extent advanced by the Master Servicer and distributed pursuant to Section 4.01 on or before such date of determination; and (b) as of any date of determination coinciding with or subsequent to the Distribution Date on which the proceeds, if any, of a Liquidation Event with respect to such REO Property would be distributed, zero. Solely for the purposes of this definition, any Principal Prepayment, Liquidation Event or Realized Loss that is subject to a Forward Shifted Prepayment Period and that occurs after the last day of the calendar month preceding the month in which the related Distribution Date occurs shall be deemed to have occurred during such calendar month.

 

“Stayed Funds”: If the Master Servicer is the subject of a proceeding under the federal Bankruptcy Code and the making of a any payment required to be made under the terms of the Certificates and this Agreement is prohibited by Section 362 of the federal Bankruptcy Code, funds which are in the custody of the Master Servicer, a trustee in bankruptcy or a federal bankruptcy court and should have been the subject of such Remittance absent such prohibition.

 

“Subordinate Certificates”: The Group 1 Subordinate Certificates and the Group 2 Subordinate Certificates. 

 

“Subordinate Net WAC Rate”: For any Distribution Date and the Group 1 Subordinate Certificates, a per annum rate equal to the weighted average (weighted in proportion to the results of subtracting, from the aggregate Scheduled Principal Balance, as of the first day of the related Due Period of the Mortgage Loans in each of Loan Group 1-1, Loan Group 1-2, Loan Group 1-3 and Loan Group 1-4, the aggregate Certificate Principal Balance, in each case immediately prior to such Distribution Date, of the related Class A Certificates, and from the aggregate principal balance of the Mortgage Loans in Loan Group 1-1, the Class 1-R
Certificates and Class 1-P Certificates) of (i) the weighted average Expense Adjusted Mortgage Rates of the Group 1-1 Mortgage Loans, (ii) the weighted average Expense Adjusted Mortgage Rates of the Group 1-2 Mortgage Loans, (iii) the weighted average Expense Adjusted Mortgage Rates of the Group 1-3 Mortgage Loans and (iv) the weighted average Expense Adjusted Mortgage Rates of the Group 1-4 Mortgage Loans. For federal income tax purposes, the equivalent of the foregoing shall be the weighted average of the REMIC I-B Remittance Rates on REMIC I-B Regular Interest LT1-B1, REMIC I-B Regular Interest LT1-B2, REMIC I-B Regular Interest LT1-B3, REMIC I-B Regular Interest LT1-B4, REMIC I-B Regular Interest LT1-B5 and REMIC I-B Regular Interest LT1-B6.

 

For any Distribution Date and the Group 2 Subordinate Certificates, a per annum rate equal to the weighted average (weighted in proportion to the results of subtracting, from the aggregate Scheduled Principal Balance, as of the first day of the related Due Period, of the Mortgage Loans in each of Loan Group 2-1, Loan Group 2-2, Loan Group 2-3 and Loan Group 2-4, the aggregate Certificate Principal Balance of the related Class A Certificates the related Senior Support Certificates, and from the aggregate principal balance of the mortgage loans in Loan Group 2-2, the Certificate Principal Balance of the Class 2-R Certificates and Class 2-P Certificates) of (i) the weighted average Expense Adjusted Mortgage Rates of the Group 2-1 Mortgage Loans, (ii) the weighted average Expense Adjusted Mortgage Rates of the
Group 2-2 Mortgage Loans, (iii) the weighted average Expense Adjusted Mortgage Rates of the Group 2-3 Mortgage Loans and (iv) the weighted average Expense Adjusted Mortgage Rates of the Group 2-4 Mortgage Loans.of the weighted average Expense Adjusted Mortgage Rates of the Group 2-1 Mortgage Loans. For federal income tax purposes, the equivalent of the foregoing shall be the weighted average of the REMIC II-B Remittance Rates on REMIC II-B Regular Interest LT2-B1, REMIC II-B Regular Interest LT2-B2, REMIC II-B Regular Interest LT2-B3, REMIC II-B Regular Interest LT2-B4, REMIC II-B Regular Interest LT2-B5 and REMIC II-B Regular Interest LT2-B6.

 

“Subordinate Percentage”: A Group 1 Subordinate Percentage or Group 2 Subordinate Percentage, as applicable.

 

“Subordinate Prepayment Percentage”: A Group 1 Subordinate Prepayment Percentage or Group 2 Subordinate Prepayment Percentage, as applicable. 

 

“Subordinate Principal Distribution Amount”: With respect to a Collateral Pool and for any Distribution Date, an amount equal to the lesser of (i) the related Available Distribution Amounts, remaining after distribution of the Interest Distribution Amounts and Senior Principal Distribution Amounts to the related Classes of Senior Certificates and the Interest Distribution Amounts to the related Classes of Subordinate Certificates, and (ii) the aggregate of the sum of:

 

(a)  for each related Loan Group, the product of (x) the then-applicable related Subordinate Percentage and (y) the sum of the following:

 

	 	
(i)
	
the aggregate of the principal portions of all Monthly Payments due during the related Due Period in respect of the related Mortgage Loans, whether or not received; 

 

	 	
(ii)
	
the principal portion of all Insurance Proceeds, Subsequent Recoveries and Liquidation Proceeds (other than amounts described in clause (c) below) received in respect of the related Mortgage Loans during the related Prepayment Period (other than any related Mortgage Loan that was purchased, sold or replaced pursuant to or as contemplated by Section 2.03, Section 3.16(c) or Section 9.01 during the related Prepayment Period), net of any portion thereof that represents a recovery of principal for which an advance was made by the Master Servicer pursuant to Section 4.03 in respect of a preceding Distribution Date; 

 

	 	
(iii)
	
the Stated Principal Balance (calculated immediately prior to such Distribution Date) of each related Mortgage Loan that was purchased, sold or replaced pursuant to or as contemplated by Section 2.03, Section 3.16(c) or Section 9.01 during the related Prepayment Period; 

 

	 	
(iv)
	
[reserved];

 

	 	
(v)
	
in connection with the substitution of one or more Qualified Substitute Mortgage Loans for one or more Deleted Mortgage Loans in the related Collateral Pool pursuant to Section 2.03 during the related Prepayment Period, the excess, if any, of (A) the aggregate of the Stated Principal Balances (calculated as of the respective dates of substitution) of such Deleted Mortgage Loans, net of the aggregate of the related principal portions of the Monthly Payments due during the related Prepayment Period (to the extent received from the related Mortgagor or advanced by the related Servicer and distributed pursuant to Section 4.01 on the Distribution Date in the related Prepayment Period) in respect of each such Deleted Mortgage Loan that was replaced prior to the Distribution Date in the related Prepayment Period, over (B) the aggregate of the Stated
Principal Balances (calculated as of the respective dates of substitution) of such Qualified Substitute Mortgage Loans; 

 

(b)  for each related Loan Group the product of (x) the then-applicable related Subordinate Prepayment Percentage and (y) the Principal Prepayments received in respect of the related Mortgage Loans during the related Prepayment Period;

 

(c)  for each related Loan Group with respect to any related Mortgage Loans which were the subject of a Final Recovery Determination in the related Prepayment Period, the amount, if any, by which the net Liquidation Proceeds and Insurance Proceeds allocable to principal in respect of such Mortgage Loans exceed the amount distributable to the related Senior Certificates; 

 

(d)  in the case of any Distribution Date subsequent to the initial Distribution Date, an amount equal to the excess, if any, of the amounts calculated pursuant to clauses (a), (b) and (c) above for the immediately preceding Distribution Date, over the aggregate distributions of principal made in respect of the Subordinate Certificates on such immediately preceding Distribution Date pursuant to Section 4.01 to the extent that any such amounts are not attributable to Realized Losses that were allocated to the Subordinate Certificates pursuant to Section 4.04; and

 

(e)  for each related Loan Group the product of (x) the then applicable related Subordinate Percentage of any Class A Principal Adjustment Amount included in the the Available Distribution Amount for such Loan Group, if the Subordination Test with respect to the related Subordinate Certificates has been met with respect to such Distribution Date.

 

“Subordination Test”: With respect to any Collateral Pool, the Subordination Test will be met if the Aggregate Subordinate Percentage for such Collateral Pool is equal to or greater than two times the initial Aggregate Subordinate Percentage for such Collateral Pool on the Closing Date. 

 

“Sub-Servicer”: Any Person (i) with which the Master Servicer has entered into a Sub-Servicing Agreement and which meets the qualifications of a Sub-Servicer pursuant to Section 3.02 or (ii) in the case of each Initial Sub-Servicing Agreement, the related servicer thereunder. 

 

“Sub-Servicing Account”: An account established by a Sub-Servicer which meets the requirements set forth in Section 3.08 and is otherwise acceptable to the Master Servicer.

 

“Sub-Servicing Agreement”: Either (i) the written contract between the Master Servicer and a Sub-Servicer relating to servicing and administration of certain Mortgage Loans as provided in Section 3.02 or (ii) any Initial Sub Servicing Agreement.

 

“Subsequent Recoveries”: As of any Distribution Date, amounts received by the Trust Fund (net of any related expenses permitted to be reimbursed to the related Sub-Servicer or the Master Servicer from such amounts under the related Sub-Servicing Agreement or hereunder) specifically related to a Mortgage Loan that was the subject of a liquidation or an REO Disposition prior to the related Prepayment Period that resulted in a Realized Loss.

 

“Substitution Shortfall Amount”: As defined in Section 2.03 hereof. 

 

“Super Senior Certificates”: The Class 1-A2A Certificates, Class 1-A3A Certificates, Class 1-A4A Certificates, the Class 2-A1A Certificates, Class 2-A2A Certificates, Class 2-A3A Certificates, and Class 2-A4A Certificates. 

 

“Tax Returns”: The federal income tax return on Internal Revenue Service Form 1066, U.S. Real Estate Mortgage Investment Conduit Income Tax Return, including Schedule Q thereto, Quarterly Notice to Residual Interest Holders of REMIC Taxable Income or Net Loss Allocation, or any successor forms, to be filed on behalf of any Trust REMIC due to its classification as a REMIC 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.

 

“Termination Price”: As defined in Section 9.01.

 

“Terminator”: With respect to the termination of REMIC I-A the Seller (provided that the Seller may at any time sell, assign or otherwise dispose of its right to be Terminator of REMIC I-A). With respect to the termination of REMIC II-A, the Seller (provided that the Seller may at any time sell, assign or otherwise dispose of its right to be Terminator of REMIC II-A). 

 

“Transfer”: Any direct or indirect transfer, sale, pledge, hypothecation, or other form of assignment of any Ownership Interest in a Certificate.

 

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

 

“Transferor”: Any Person who is disposing by Transfer of any Ownership Interest in a Certificate.

 

“Trigger Amount”: The Trigger Amount for Collateral Pool 1 and Collateral Pool 2 and for any Distribution Date occurring after the first seven years from the Closing Date will be as follows: for any Distribution Date on or after the seventh and prior to the eighth anniversary of the first Distribution Date, 30% of the initial sum of the Certificate Principal Balances of the related Subordinate Certificates; for any Distribution Date on or after the eighth and prior to the ninth anniversary of the first Distribution Date, 35% of the initial sum of the Certificate Principal Balances of the related Subordinate Certificates; for any Distribution Date on or after the ninth and prior to the tenth anniversary of the first Distribution Date, 40% of the initial sum of the Certificate Principal Balances of the
related Subordinate Certificates; for any Distribution Date on or after the tenth and prior to the eleventh anniversary of the first Distribution Date, 45% of the initial sum of the Certificate Principal Balances of the related Subordinate Certificates; and for any Distribution Date on or after the eleventh anniversary of the first Distribution Date, 50% of the initial sum of the Certificate Principal Balances of the related Subordinate Certificates.

 

“Trust Administrator”: CitiMortgage, Inc., or its successor in interest, or any successor trust administrator appointed as herein provided. 

 

“Trust Fund”: Collectively, all of the assets of REMIC I-A, REMIC I-B, REMIC I-C, REMIC II-A, REMIC II-B and REMIC II-C.

 

“Trustee”: U.S. Bank National Association, or its successor in interest, or any successor trustee appointed as herein provided.

 

“Trust REMIC”: Each of REMIC I-A, REMIC I-B, REMIC I-C, REMIC II-A, REMIC II-B and REMIC II-C.

 

“Uncertificated Balance”: The amount of any REMIC Regular Interest outstanding as of any date of determination. As of the Closing Date, the Uncertificated Balance of each such REMIC Regular Interest shall equal the amount set forth in the Preliminary Statement hereto as its initial Uncertificated Balance. On each Distribution Date, the Uncertificated Balance of each such REMIC Regular Interest shall be reduced by all distributions of principal made on such REMIC Regular Interest on such Distribution Date pursuant to Section 4.08 and, if and to the extent necessary and appropriate, shall be further reduced on such Distribution Date by Realized Losses as provided in Section 4.04.

 

“Undercollateralized Amount”: As to any Distribution Date and any Loan Group, the excess, if any, of the aggregate Certificate Principal Balance of the related Class A Certificates, immediately prior to such Distribution Date over the sum of (i) the aggregate Scheduled Principal Balance of the related Mortgage Loans as of the first day of the related Due Period plus (ii) the aggregate Scheduled Principal Balance of the REO Properties in the related Loan Group as of the first day of the related Due Period, in each case before reduction for any Realized Losses on such Distribution Date. 

 

“Undercollateralized Loan Group”: With respect to either Collateral Pool, as to any Distribution Date, any Loan Group within such Collateral Pool for which an Undercollateralized Amount greater than zero is calculated. 

 

“Uninsured Cause”: Any cause of damage to a Mortgaged Property such that the complete restoration of such property is not fully reimbursable by the hazard insurance policies required to be maintained pursuant to Section 3.14.

 

“United States Person”: A citizen or resident of the United States, a corporation, partnership or other entity created or organized in, or under the laws of, the United States, any State thereof or the District of Columbia (except, in the case of a partnership, to the extent provided in regulations); provided that, for purposes solely of the restrictions on the transfer of the 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
whose income is subject to United States federal income tax regardless of its source, or a trust if a court within the United States is able to exercise primary supervision over the administration of the trust and one or more United States Persons have the authority to control all substantial decisions of the trust. To the extent prescribed in regulations by the Secretary of the Treasury, a trust which was in existence on August 20, 1996 (other than a trust treated as owned by the grantor under subpart E of part I of subchapter J of chapter 1 of the Code), and which was treated as a United States person on August 20, 1996 may elect to continue to be treated as a United States person notwithstanding the previous sentence. The term “United States” shall have the meaning set forth in Section 7701 of the Code.

 

“Value”: With respect to any Mortgaged Property, the value thereof as determined by an appraisal made for the originator of the Mortgage Loan at the time of origination of the Mortgage Loan or such other value assigned to such Mortgaged Property by the originator at the time of origination of the Mortgage Loan.

 

“Voting Rights”: The portion of the voting rights of all of the Certificates which is allocated to any Certificate. At all times during the term of this Agreement, (i) 98% of all of the Voting Rights relating to Collateral Pool 1 shall be allocated to the Holders of the related Classes of Regular Certificates (other than the related Interest Only Certificates) in proportion to their then outstanding Certificate Principal Balances, (ii) 1% of all Voting Rights relating to such Collateral Pool will be allocated among the Holders of the related Interest Only Certificates and (iii) 1% of all Voting Rights relating to such Collateral Pool will be allocated among the Holders of the related Residual Certificates. All Voting Rights allocated to any Holders of any Class of Certificates shall be allocated among
the Holders of the Certificates of such Class pro rata in accordance with the respective Percentage Interests evidenced thereby. 

 

The portion of the voting rights of all of the Certificates which is allocated to any Certificate. At all times during the term of this Agreement, (i) 98% of all of the Voting Rights relating to Collateral Pool 2 shall be allocated to the Holders of the related Classes of Regular Certificates (other than the related Interest Only Certificates) in proportion to their then outstanding Certificate Principal Balances, (ii) 1% of all Voting Rights relating to such Collateral Pool will be allocated among the Holders of the related Interest Only Certificates and (iii) 1% of all Voting Rights relating to such Collateral Pool will be allocated among the Holders of the related Residual Certificates. All Voting Rights allocated to any
Holders of any Class of Certificates shall be allocated among the Holders of the Certificates of such Class pro rata in accordance with the respective Percentage Interests evidenced thereby. 

 

“Wells Fargo”: Wells Fargo Bank, N.A., as successor in interest to Wells Fargo Home Mortgage, Inc., or its successor in interest.

 

“Wells Fargo Mortgage Loans”: The Mortgage Loans originated by Wells Fargo, American Home Mortgage Corp. (with respect to Collateral Pool 1), MortgageIt or Quicken and serviced by Wells Fargo pursuant to the Initial Sub-Servicing Agreement to which Wells Fargo is a party.

 

	SECTION 1.02  	
Allocation of Certain Interest Shortfalls.

 

The aggregate amount of any Prepayment Interest Shortfalls (to the extent not covered by payments by the Master Servicer pursuant to Section 3.24) and any Relief Act Interest Shortfalls incurred in respect of the Mortgage Loans in a Collateral Pool for any Distribution Date shall be allocated among the related Certificates (other than the Class P Certificates) pro rata in accordance with, and to the extent of one month’s interest at the Pass Through Rate on the respective Certificate Principal Balance or Notional Amount of such Certificate immediately prior to such Distribution Date.

 

The aggregate amount of any Prepayment Interest Shortfalls (to the extent not covered by payments by the Master Servicer pursuant to Section 3.24) and any Relief Act Interest Shortfalls incurred in respect of the Mortgage Loans in a Collateral Pool for any Distribution Date shall be allocated, (i) with respect to the Group 1 Loans, among the REMIC I-A Regular Interests pro rata in accordance with and to the extent of one month’s interest at the REMIC I-A Remittance Rate on the respective Uncertificated Balances of such regular interests, and then among the REMIC I-B Regular Interests in the same manner and with same priorities as such
Prepayment Interest Shortfalls and Relief Act Interest Shortfalls are allocated among the Corresponding Certificates and (ii) with respect to the Group 2 Loans, among the REMIC II-A Regular Interests pro rata in accordance with and to the extent of one month’s interest at the REMIC II-A Remittance Rate on the respective Uncertificated Balances of such regular interests, and then among the REMIC II-B Regular Interests in the same manner and with same priorities as such Prepayment Interest Shortfalls and Relief Act Interest Shortfalls are allocated among the Corresponding Certificates.

 

 

 

ARTICLE II

CONVEYANCE OF MORTGAGE LOANS;

ORIGINAL ISSUANCE OF CERTIFICATES

 

	SECTION 2.01  	
Conveyance of Mortgage Loans.

 

The Depositor, concurrently with the execution and delivery hereof, does hereby transfer, assign, set over and otherwise convey to the Trustee without recourse for the benefit of the Certificateholders all the right, title and interest of the Depositor, including any security interest therein for the benefit of the Depositor, in and to the Mortgage Loans identified on the Mortgage Loan Schedule, the rights of the Depositor under the Mortgage Loan Purchase Agreement (except Section 18 thereof), and all other assets included or to be included in REMIC I-A and REMIC II-A. Such assignment includes all interest and principal received by the Depositor or the Master Servicer on or with respect to the Mortgage Loans (other than payments of principal and interest due on such Mortgage Loans on or before the Cut-off
Date). The Depositor herewith delivers to the Trustee an executed copy of the Mortgage Loan Purchase Agreement, and the Trustee, on behalf of the Certificateholders, acknowledges receipt of the same. 

 

In connection with such transfer and assignment, the Depositor does hereby deliver to, and deposit with, the Trustee or a Custodian on its behalf, the following documents or instruments (a “Mortgage File”) with respect to each Mortgage Loan so transferred and assigned:

 

(i)  The Mortgage Note, endorsed by manual or facsimile signature without recourse by the Originator or an Affiliate of the Originator in blank or to the Trustee showing a complete chain of endorsements from the named payee to the Trustee or from the named payee to the Affiliate of the Originator and from such Affiliate to the Trustee;

 

(ii)  The original recorded 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 thereon or a copy of the Mortgage certified by the public recording office in those jurisdictions where the public recording office retains the original;

 

(iii)  Unless the Mortgage Loan is registered on the MERS® System, an assignment to the Trustee in recordable form of the Mortgage which may be included, where permitted by local law, in a blanket assignment or assignments of the Mortgage to the Trustee, including any intervening assignments and showing a complete chain of title from the original mortgagee named under the Mortgage to the Person assigning the Mortgage Loan to the Trustee (or to MERS, noting the presence of the MIN, if the Mortgage Loan is registered on the MERS® System);

 

(iv)  Any original assumption, modification, buydown or conversion-to- fixed-interest-rate agreement applicable to the Mortgage Loan;

 

(v)  With respect to any Mortgage Loan listed on the Mortgage Loan Schedule as subject to a Primary Mortgage Insurance Policy, the original Primary Mortgage Insurance Policy or certificate or a copy thereof; 

 

(vi)  The original or a copy of the title insurance policy (which may be a certificate or a short form policy relating to a master policy of title insurance) pertaining to the Mortgaged Property, or in the event such original title policy is unavailable, a copy of the preliminary title report and the lender’s recording instructions, with the original to be delivered within 180 days of the Closing Date or an attorney’s opinion of title in jurisdictions where such is the customary evidence of title; and

 

(vii)  [reserved].

 

In instances where an original recorded Mortgage cannot be delivered by the Depositor to the Trustee (or a Custodian on behalf of the Trustee) prior to or concurrently with the execution and delivery of this Agreement, due to a delay in connection with the recording of such Mortgage, the Depositor may, (a) in lieu of delivering such original recorded Mortgage referred to in clause (ii) above, deliver to the Trustee (or a Custodian on behalf of the Trustee) a copy thereof, provided that the Depositor certifies that the original Mortgage has been delivered to a title insurance company for recordation after receipt of its policy of title insurance or binder therefor (which may be a certificate relating to a master policy of title insurance), and (b) in lieu of delivering the completed assignment in recordable form
referred to in clause (iii) above to the Trustee (or a Custodian on behalf of the Trustee), deliver such assignment to the Trustee (or a Custodian on behalf of the Trustee) completed except for recording information. In all such instances, the Depositor will deliver the original recorded Mortgage and completed assignment (if applicable) to the Trustee (or a Custodian on behalf of the Trustee) promptly upon receipt of such Mortgage. In instances where an original recorded Mortgage has been lost or misplaced, the Depositor or the related title insurance company may deliver, in lieu of such Mortgage, a copy of such Mortgage bearing recordation information and certified as true and correct by the office in which recordation thereof was made. In instances where the original or a copy of the title insurance policy referred to in clause (vi) above (which may be a certificate relating to a master policy of title insurance) pertaining to the Mortgaged Property relating to a Mortgage Loan cannot be delivered by
the Depositor to the Trustee (or a Custodian on behalf of the Trustee) prior to or concurrently with the execution and delivery of this Agreement because such policy is not yet available, the Depositor may, in lieu of delivering the original or a copy of such title insurance referred to in clause (vi) above, deliver to the Trustee (or a Custodian on behalf of the Trustee) a binder with respect to such policy (which may be a certificate relating to a master policy of title insurance) and deliver the original or a copy of such policy (which may be a certificate relating to a master policy of title insurance) to the Trustee (or a Custodian on behalf of the Trustee) within 180 days of the Closing Date, in instances where an original assumption, modification, buydown or conversion-to-fixed-interest-rate agreement cannot be delivered by the Depositor to the Trustee (or a Custodian on behalf of the Trustee) prior to or concurrently with the execution and delivery of this Agreement, the Depositor may, in lieu
of delivering the original of such agreement referred to in clause (iv) above, deliver a certified copy thereof.

 

To the extent not already recorded, except with respect to any Mortgage Loan for which MERS is identified on the Mortgage or on a properly recorded assignment of the Mortgage as the mortgagee of record, the Master Servicer, at the expense of the Seller shall promptly (and in no event later than five Business Days following the later of the Closing Date and the date of receipt by the Master Servicer of the recording information for a Mortgage) submit or cause to be submitted for recording, at no expense to any Trust REMIC, in the appropriate public office for real property records, each Assignment delivered to it pursuant to (iii) above. In the event that any such Assignment is lost or returned unrecorded because of a defect therein, the Master Servicer, at the expense of the Seller, shall promptly prepare or
cause to be prepared a substitute Assignment or cure or cause to be cured such defect, as the case may be, and thereafter cause each such Assignment to be duly recorded. Notwithstanding the foregoing, but without limiting the requirement that such Assignments be in recordable form, neither the Master Servicer nor the Trustee shall be required to submit or cause to be submitted for recording any Assignment delivered to it or a Custodian pursuant to (iii) above if such recordation shall not, as of the Closing Date, be required by the Rating Agencies, as a condition to their assignment on the Closing Date of their initial ratings to the Certificates, as evidenced by the delivery by the Rating Agencies of their ratings letters on the Closing Date; provided, however, notwithstanding the foregoing, the Master Servicer shall submit each Assignment for recording, at no expense to the Trust Fund or the Master Servicer, upon the earliest to occur of: (A) reasonable direction by Holders of Certificates entitled
to at least 25% of the Voting Rights, (B) the occurrence of a Master Servicer Event of Termination, (C) the occurrence of a bankruptcy, insolvency or foreclosure relating to the Seller, (D) the occurrence of a servicing transfer as described in Section 7.02 of this Agreement and (E) with respect to any one Assignment the occurrence of a foreclosure relating to the Mortgagor under the related Mortgage. Notwithstanding the foregoing, if the Seller fails to pay the cost of recording the Assignments, such expense will be paid by the Master Servicer and the Master Servicer shall be reimbursed for such expenses by the Trust as set forth herein.

 

In connection with the assignment of any Mortgage Loan registered on the MERS System, the Depositor further agrees that it will cause, within 30 Business Days after the Closing Date, the MERS 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 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 and will not permit a Sub-Servicer to, 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.

 

With respect to a maximum of approximately 5.00% of the Original Mortgage Loans, by outstanding principal balance of the Original Mortgage Loans as of the Cut-off Date, if any original Mortgage Note referred to in (i) above cannot be located, the obligations of the Depositor to deliver such documents shall be deemed to be satisfied upon delivery to the Trustee (or a Custodian on behalf of the Trustee) of a photocopy of such Mortgage Note, if available, with a lost note affidavit. If any of the original Mortgage Notes for which a lost note affidavit was delivered to the Trustee (or a Custodian on behalf of the Trustee) is subsequently located, such original Mortgage Note shall be delivered to the Trustee (or a Custodian on behalf of the Trustee) within three Business Days.

 

The Depositor shall deliver or cause to be delivered to the Trustee (or a Custodian on behalf of the Trustee) promptly upon receipt thereof any other original documents constituting a part of a Mortgage File received with respect to any Mortgage Loan, including, but not limited to, any original documents evidencing an assumption, modification, consolidation or extension of any Mortgage Loan.

 

All original documents relating to the Mortgage Loans that are not delivered to the Trustee (or a Custodian on behalf of the Trustee) are and shall be held by or on behalf of the Seller, the Depositor or the Master Servicer, as the case may be, in trust for the benefit of the Trustee on behalf of the Certificateholders. In the event that any such original document is required pursuant to the terms of this Section to be a part of a Mortgage File, such document shall be delivered promptly to the Trustee (or a Custodian on behalf of the Trustee). Any such original document delivered to or held by the Depositor that is not required pursuant to the terms of this Section to be a part of a Mortgage File, shall be delivered promptly to the Master Servicer.

 

Wherever it is provided in this Section 2.01 that any document, evidence or information relating to a Mortgage Loan be delivered or supplied to the Trustee, the Depositor shall do so by delivery thereof to the Trustee or Custodian on behalf of the Trustee.

 

It is agreed and understood by the parties hereto that it is not intended that any Mortgage Loan to be included in the Trust Fund be (i) a “High-Cost Home Loan” as defined in the New Jersey Home Ownership Act effective November 27, 2003, (ii) a “High-Cost Home Loan” as defined in the New Mexico Home Loan Protection Act effective January 1, 2004, (iii) a “High-Cost Home Mortgage Loan” as defined in the Massachusetts Predatory Home Loan Practices Act effective November 7, 2004 or (iv) a “High Cost Home Loan” as defined in the Indiana Home Loan Practices Act effective January 1, 2005. It is agreed and understood by the parties hereto that it is not intended that any Mortgage Loan to be included in the Trust Fund not comply in all material respects with applicable local,
state and federal laws, including, but not limited to, all applicable predatory and abusive lending laws.

 

	SECTION 2.02  	
Acceptance of the Trust Fund by the Trustee.

 

Subject to the provisions of Section 2.01 and subject to any exceptions noted on an exception report delivered by or on behalf of the Trustee, the Trustee acknowledges receipt of the documents referred to in Section 2.01 (other than such documents described in Section 2.01(iv)) and all other assets included in the definition of “Trust Fund” and declares that it holds and will hold such documents and the other documents delivered to it constituting the Mortgage File, and that it holds or will hold all such assets and such other assets included in the definition of “Trust Fund” in trust for the exclusive use and benefit of all present and future Certificateholders.

 

The Trustee, by execution and delivery hereof, acknowledges receipt, subject to the review described in the succeeding sentence, of the documents and other property referred to in Section 2.01 and declares that the Trustee (or a Custodian on behalf of the Trustee) holds and will hold such documents and other property, including property yet to be received in the Trust Fund, in trust, upon the trusts herein set forth, for the benefit of all present and future Certificateholders. The Trustee or a Custodian on its behalf shall, for the benefit of the Trustee and the Certificateholders, review each Mortgage File within 90 days after execution and delivery of this Agreement, to ascertain that all required documents have been executed, received and recorded, if applicable, and that such documents relate to the
Mortgage Loans. If in the course of such review the Trustee or a Custodian on its behalf finds a document or documents constituting a part of a Mortgage File to be defective in any material respect, the Trustee or a Custodian on its behalf shall promptly so notify the Depositor, the Trust Administrator, the Paying Agent, the Seller, the Master Servicer and, if such notice is from a Custodian on the Trustee’s behalf, the Trustee. In addition, upon the discovery by the Depositor, the Master Servicer, the Trust Administrator, the Paying Agent or the Trustee of a breach of any of the representations and warranties made by the Seller in the Mortgage Loan Purchase Agreement in respect of any Mortgage Loan which materially adversely affects such Mortgage Loan or the interests of the related Certificateholders in such Mortgage Loan, the party discovering such breach shall give prompt written notice to the other parties.

 

The Depositor and the Trustee intend that the assignment and transfer herein contemplated constitute a sale of the Mortgage Loans, the related Mortgage Notes and the related documents, conveying good title thereto free and clear of any liens and encumbrances, from the Depositor to the Trustee in trust for the benefit of the Certificateholders and that such property not be part of the Depositor’s estate or property of the Depositor in the event of any insolvency by the Depositor. In the event that such conveyance is deemed to be, or to be made as security for, a loan, the parties intend that the Depositor shall be deemed to have granted and does hereby grant to the Trustee a first priority perfected security interest in all of the Depositor’s right, title and interest in and to the Mortgage Loans, the
related Mortgage Notes and the related documents, and that this Agreement shall constitute a security agreement under applicable law.

 

The Trustee may, concurrently with the execution and delivery hereof or at any time thereafter, enter into a custodial agreement with a Custodian pursuant to which the Trustee appoints a Custodian to hold the Mortgage Files on behalf of the Trustee for the benefit of the Trustee and all present and future Certificateholders, which may provide that the Custodian shall, on behalf of the Trustee, conduct the review of each Mortgage File required under the first paragraph of this Section 2.02. Initially, Citibank, N.A., is appointed as Custodian with respect to the Mortgage Files of all the Mortgage Loans and, notwithstanding anything to the contrary herein, it is understood that such initial Custodian shall be responsible for the review contemplated in the second paragraph of this Section 2.02 and for all other
functions relating to the receipt, review, reporting and certification provided for herein with respect to the Mortgage Files (other than ownership thereof for the benefit of the Certificateholders and related duties and obligations set forth herein). 

 

	SECTION 2.03  	
Repurchase or Substitution of Mortgage Loans by the Seller or the Depositor.

 

(a)  Upon discovery or receipt of notice by the Depositor, the Master Servicer, the Trust Administrator or the Trustee of any materially defective document in, or that a document is missing from, a Mortgage File or of the breach by the Seller of any representation, warranty or covenant under the Mortgage Loan Purchase Agreement in respect of any Mortgage Loan which materially adversely affects the value of such Mortgage Loan or the interest therein of the Certificateholders, the party so discovering or receiving notice shall promptly notify the other parties to this Agreement, and the Trustee thereupon shall promptly notify the Seller of such defect, missing document or breach and request that the Seller
deliver such missing document or cure such defect or breach within 90 days from the date the Seller was notified of such missing document, defect or breach, and if the Seller does not deliver such missing document or cure such defect or breach in all material respects during such period, the Trustee shall enforce the obligations of the Seller under the Mortgage Loan Purchase Agreement (i) to repurchase such Mortgage Loan from REMIC I-A or REMIC II-A at the Purchase Price within 90 days after the date on which the Seller was notified (subject to Section 2.03(e)) of such missing document, defect or breach, and (ii) to indemnify the Trust Fund in respect of such missing document, defect or breach, in the case of each of (i) and (ii), if and to the extent that the Seller is obligated to do so under the Mortgage Loan Purchase Agreement. The Purchase Price for the repurchased Mortgage Loan and any indemnification shall be remitted by the Seller to the Master Servicer for deposit into the Collection Account,
and the Trust Administrator, upon receipt of written notice from the Master Servicer of such deposit, shall give written notice to the Trustee that such deposit has taken place and the Trustee shall release (or cause a Custodian to release on its behalf) to the Seller the related Mortgage File, and the Trustee and the Trust Administrator shall execute and deliver such instruments of transfer or assignment, in each case without recourse, as the Seller shall furnish to it and as shall be necessary to vest in the Seller any Mortgage Loan released pursuant hereto, and the Trustee and the Trust Administrator shall have no further responsibility with regard to such Mortgage File. In furtherance of the foregoing, if the Seller is not a member of MERS and repurchases a Mortgage Loan which is registered on the MERS System, the Seller pursuant to the Mortgage Loan Purchase Agreement 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 the Seller and shall cause such Mortgage to be removed from registration on the MERS System in accordance with MERS rules and regulations. In lieu of repurchasing any such Mortgage Loan as provided above, if so provided in the Mortgage Loan Purchase Agreement the Seller may cause such Mortgage Loan to be removed from REMIC I-A or REMIC II-A (in which case it shall become a Deleted Mortgage Loan) and substitute one or more Qualified Substitute Mortgage Loans in the manner and subject to the limitations set forth in Section 2.03(d). It is understood and agreed that the obligation of the Seller to cure or to repurchase (or to substitute for) any Mortgage Loan as to which a document is missing, a material defect in a constituent document exists or as to which such a breach has occurred and is continuing, and if and to the extent provided in the Mortgage Loan Purchase Agreement to perform any applicable indemnification obligations with respect to any
such omission, defect or breach, as provided in the Mortgage Loan Purchase Agreement, shall constitute the only remedies respecting such omission, defect or breach available to the Trustee or the Trust Administrator on behalf of the Certificateholders.

 

(b)  Reserved.

 

(c)  Within 90 days of the earlier of discovery by the Master Servicer or receipt of notice by the Master Servicer of the breach of any representation, warranty or covenant of the Master Servicer set forth in Section 2.05 which materially and adversely affects the interests of the Certificateholders in any Mortgage Loan, the Master Servicer shall cure such breach in all material respects.

 

(d)  Any substitution of Qualified Substitute Mortgage Loans for Deleted Mortgage Loans made pursuant to Section 2.03(a) must be effected prior to the date which is two years after the Startup Day for REMIC I-A or REMIC II-A.

 

As to any Deleted Mortgage Loan for which the Seller substitutes a Qualified Substitute Mortgage Loan or Loans, such substitution shall be effected by the Seller delivering to the Trustee (or to a Custodian on behalf of the Trustee, as applicable), for such Qualified Substitute Mortgage Loan or Loans, the Mortgage Note, the Mortgage, the Assignment in blank or to the Trustee, and such other documents and agreements, with all necessary endorsements thereon, as are required by Section 2.01, together with an Officers’ Certificate providing that each such Qualified Substitute Mortgage Loan satisfies the definition thereof and specifying the Substitution Shortfall Amount (as described below), if any, in connection with such substitution. A Custodian on its behalf and on behalf of the Trustee shall, for the
benefit of the Certificateholders, review each Mortgage File within 90 days after execution and delivery of this Agreement, to ascertain that all required documents have been executed, received and recorded, if applicable, and that such documents relate to the Mortgage Loans. If in the course of such review the Trustee or a Custodian on its behalf finds a document or documents constituting a part of a Mortgage File to be defective in any material respect, the Trustee or a Custodian on its behalf shall promptly so notify the Depositor, the Trust Administrator, the Seller and the Master Servicer. Monthly Payments due with respect to Qualified Substitute Mortgage Loans in the month of substitution are not part of the Trust Fund and will be retained by the Seller. For the month of substitution, distributions to Certificateholders will reflect the Monthly Payment due on such Deleted Mortgage Loan on or before the Due Date in the month of substitution, and the Seller shall thereafter be entitled to retain
all amounts subsequently received in respect of such Deleted Mortgage Loan. The Trust Administrator shall give or cause to be given written notice to the Trustee and the Certificateholders that such substitution has taken place, and the Trust Administrator shall amend or cause the Custodian to amend the Mortgage Loan Schedule to reflect the removal of such Deleted Mortgage Loan from the terms of this Agreement and the substitution of the Qualified Substitute Mortgage Loan or Loans and, upon receipt thereof, shall deliver a copy of such amended Mortgage Loan Schedule to the Master Servicer. Upon such substitution, such Qualified Substitute Mortgage Loan or Loans shall constitute part of the Mortgage Pool and shall be subject in all respects to the terms of this Agreement and the Mortgage Loan Purchase Agreement (including all applicable representations and warranties thereof included in the Mortgage Loan Purchase Agreement), in each case as of the date of substitution.

 

For any month in which the Seller substitutes one or more Qualified Substitute Mortgage Loans for one or more Deleted Mortgage Loans, the Master Servicer will determine the amount (the “Substitution Shortfall Amount”), if any, by which the aggregate Purchase Price of all such Deleted Mortgage Loans exceeds the aggregate of, as to each such Qualified Substitute Mortgage Loan, the Scheduled Principal Balance thereof as of the date of substitution, together with one month’s interest on such Scheduled Principal Balance at the applicable Mortgage Loan Remittance Rate. On the date of such substitution, the Trustee will monitor the obligation of the Seller to deliver or cause to be delivered, and shall request that such delivery be to the Master Servicer for deposit in the Collection Account, an amount
equal to the Substitution Shortfall Amount, if any, and the Trustee (or a Custodian on behalf of the Trustee, as applicable), upon receipt of the related Qualified Substitute Mortgage Loan or Loans and written notice given by the Master Servicer of such deposit, shall release to the Seller the related Mortgage File or Files and the Trustee and the Trust Administrator shall execute and deliver such instruments of transfer or assignment, in each case without recourse, as the Seller shall deliver to it and as shall be necessary to vest therein any Deleted Mortgage Loan released pursuant hereto.

 

In addition, the Seller shall obtain at its own expense and deliver to the Trustee and the Trust Administrator an Opinion of Counsel to the effect that such substitution will not cause (a) any federal tax to be imposed on any Trust REMIC, 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 Trust REMIC to fail to qualify as a REMIC at any time that any Certificate is outstanding.

 

(e)  Upon discovery by the Depositor, the Master Servicer, the Trust Administrator or the Trustee that any Mortgage Loan does not constitute a “qualified mortgage” within the meaning of Section 860G(a)(3) of the Code, the party discovering such fact shall within two Business Days give written notice thereof to the other parties to this Agreement, and the Trustee shall give written notice thereof to the Seller. In connection therewith, the Seller pursuant to the Mortgage Loan Purchase Agreement or the Depositor pursuant to this Agreement shall repurchase or, subject to the limitations set forth in Section 2.03(d), substitute one or more Qualified Substitute Mortgage Loans for the affected
Mortgage Loan within 90 days of the earlier of discovery or receipt of such notice with respect to such affected Mortgage Loan. Such repurchase or substitution shall be made by (i) the Seller if the affected Mortgage Loan’s status as a non-qualified mortgage is or results from a breach of any representation, warranty or covenant made by the Seller under the Mortgage Loan Purchase Agreement or (ii) the Depositor, if the affected Mortgage Loan’s status as a non-qualified mortgage is a breach of no representation or warranty. Any such repurchase or substitution shall be made in the same manner as set forth in Sections 2.03(a) and 2.03(d). The Trustee shall reconvey to the Depositor or the Seller, as the case may be, the Mortgage Loan to be released pursuant hereto in the same manner, and on the same terms and conditions, as it would a Mortgage Loan repurchased by the Seller for breach of a representation or warranty.

 

	SECTION 2.04  	
Reserved.

 

	SECTION 2.05  	
Representations, Warranties and Covenants of the Master Servicer.

 

The Master Servicer hereby represents, warrants and covenants to the Trust Administrator and the Trustee, for the benefit of each of the Trustee, the Trust Administrator, the Certificateholders and to the Depositor that as of the Closing Date or as of such date specifically provided herein:

 

(i)  The Master Servicer is a corporation duly organized, validly existing and in good standing under the laws of the State of New York and is duly authorized and qualified to transact any and all business contemplated by this Agreement to be conducted by the Master Servicer in any state in which a Mortgaged Property is located or is otherwise not required under applicable law to effect such qualification and, in any event, is in compliance with the doing business laws of any such State, to the extent necessary to ensure its ability to enforce each Mortgage Loan and to service the Mortgage Loans in accordance with the terms of this Agreement;

 

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

 

(iii)  The execution and delivery of this Agreement by the Master Servicer, the servicing of the Mortgage Loans by the Master Servicer hereunder, the consummation of any other of the transactions herein contemplated, and the fulfillment of or compliance with the terms hereof are in the ordinary course of business of the Master Servicer and will not (A) result in a breach of any term or provision of the charter or by-laws of the Master Servicer or (B) conflict with, result in a breach, violation or acceleration of, or result in a default under, the terms of any other material agreement or instrument to which the Master Servicer is a party or by which it may be bound, or any statute, order or regulation
applicable to the Master Servicer of any court, regulatory body, administrative agency or governmental body having jurisdiction over the Master Servicer; and the Master Servicer is not a party to, bound by, or in breach or violation of any indenture or other agreement or instrument, or subject to or in violation of any statute, order or regulation of any court, regulatory body, administrative agency or governmental body having jurisdiction over it, which materially and adversely affects or, to the Master Servicer’s knowledge, would in the future materially and adversely affect, (x) the ability of the Master Servicer to perform its obligations under this Agreement or (y) the business, operations, financial condition, properties or assets of the Master Servicer taken as a whole;

 

(iv)  The Master Servicer is an approved seller/servicer for Fannie Mae or Freddie Mac in good standing and is a HUD approved mortgagee pursuant to Section 203 of the National Housing Act;

 

(v)  No litigation is pending against the Master Servicer that would materially and adversely affect the execution, delivery or enforceability of this Agreement or the ability of the Master Servicer to service the Mortgage Loans or to perform any of its other obligations hereunder in accordance with the terms hereof;

 

(vi)  No consent, approval, authorization or order of any court or governmental agency or body is required for the execution, delivery and performance by the Master Servicer of, or compliance by the Master Servicer with, this Agreement or the consummation of the transactions contemplated by this Agreement, except for such consents, approvals, authorizations or orders, if any, that have been obtained prior to the Closing Date; 

 

(vii)  The Master Servicer covenants that its computer and other systems used in servicing the Mortgage Loans operate in a manner such that the Master Servicer can service the Mortgage Loans in accordance with the terms of this Agreement; and

 

(viii)  The Master Servicer (or a Sub-Servicer servicing the Mortgage Loans on its behalf) 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, warranties and covenants set forth in this Section 2.05 shall survive delivery of the Mortgage Files to the Trustee or to a Custodian on its behalf and shall inure to the benefit of the Trustee, the Trust Administrator, the Depositor and the Certificateholders. Upon discovery by any of the Depositor, the Master Servicer, the Trust Administrator or the Trustee of a breach of any of the foregoing representations, warranties and covenants which materially and adversely affects the value of any Mortgage Loan or the interests therein of the Certificateholders, the party discovering such breach shall give prompt written notice (but in no event later than two Business Days following such discovery) to the Trustee. Subject to Section 7.01, the obligation of the
Master Servicer set forth in Section 2.03(c) to cure breaches shall constitute the sole remedies against the Master Servicer available to the Certificateholders, the Depositor, the Trust Administrator or the Trustee on behalf of the Certificateholders respecting a breach of the representations, warranties and covenants contained in this Section 2.05.

 

	SECTION 2.06  	
Issuance of the Certificates.

 

The Trustee acknowledges the assignment to it of the Mortgage Loans and the delivery to it or to a Custodian on its behalf, of the Mortgage Files, subject to the provisions of Section 2.01 and Section 2.02, together with the assignment to it of all other assets included in REMIC I-A and REMIC II-A delivered on the date hereof, receipt of which is hereby acknowledged. Concurrently with such assignment and delivery of such assets delivered on the date hereof and in exchange therefor, the Paying Agent, pursuant to the written request of the Depositor executed by an officer of the Depositor, has executed, and the Authenticating Agent has authenticated and delivered, to or upon the order of the Depositor, the Certificates in authorized denominations. The interests evidenced by the Certificates constitute the entire
beneficial ownership interest in REMIC I-C and REMIC II-C.

 

	SECTION 2.07  	
Conveyance of the REMIC Regular Interests; Acceptance of the Trust REMICs by the Trustee.

 

The Depositor, concurrently with the execution and delivery hereof, does hereby transfer, assign, set over and otherwise convey to the Trustee, without recourse all the right, title and interest of the Depositor in and to the REMIC I-A Regular Interests for the benefit of the Class 1-R Certificateholders (as holder of the Class R-IA Residual Interest) and REMIC I-B (as holder of the REMIC I-A Regular Interests). The Trustee acknowledges receipt of the REMIC I-A Regular Interests and declares that it holds and will hold the same in trust for the exclusive use and benefit of all present and future Class 1-R Certificateholders (as holder of the Class R-IA Residual Interest) and REMIC I-B (as holder of the REMIC I-A Regular Interests). The Depositor, concurrently with the execution and delivery hereof, does hereby
transfer, assign, set over and otherwise convey to the Trustee, without recourse all the right, title and interest of the Depositor in and to the REMIC I-B Regular Interests for the benefit of the Class 1-R Certificateholders (as holder of the Class R-IB Residual Interest) and REMIC I-C (as holder of the REMIC I-B Regular Interests). The Trustee acknowledges receipt of the REMIC I-B Regular Interests and declares that it holds and will hold the same in trust for the exclusive use and benefit of all present and future Class 1-R Certificateholders (as holder of the Class R-IB Residual Interest) and REMIC I-C (as holder of the REMIC I-B Regular Interests). The rights of the Class 1-R Certificateholders (as holder of the Class R-IA Residual Interest) and of REMIC I-B (as holder of the REMIC I-A Regular Interests) and the rights of the Class 1-R Certificateholders (as holder of the Class R-IB Residual Interest) and of REMIC I-C (as holder of the REMIC I-B Regular Interests) to receive distributions from
the proceeds of REMIC I-A and REMIC I-B and all ownership interests evidenced or constituted by the Class 1-R Certificates and the Regular Certificates evidencing interests in REMIC I-C, shall be as set forth in this Agreement. 

 

The Depositor, concurrently with the execution and delivery hereof, does hereby transfer, assign, set over and otherwise convey to the Trustee, without recourse all the right, title and interest of the Depositor in and to the REMIC II-A Regular Interests for the benefit of the Class 2-R Certificateholders (as holder of the Class R-IIA Residual Interest) and REMIC II-B (as holder of the REMIC II-A Regular Interests). The Trustee acknowledges receipt of the REMIC II-A Regular Interests and declares that it holds and will hold the same in trust for the exclusive use and benefit of all present and future Class 2-R Certificateholders (as holder of the Class R-IIA Residual Interest) and REMIC II-B (as holder of the REMIC II-A Regular Interests). The Depositor, concurrently with the execution and delivery hereof, does
hereby transfer, assign, set over and otherwise convey to the Trustee, without recourse all the right, title and interest of the Depositor in and to the REMIC II-B Regular Interests for the benefit of the Class 2-R Certificateholders (as holder of the Class R-IIB Residual Interest) and REMIC II-C (as holder of the REMIC II-B Regular Interests). The Trustee acknowledges receipt of the REMIC II-B Regular Interests and declares that it holds and will hold the same in trust for the exclusive use and benefit of all present and future Class 2-R Certificateholders (as holder of the Class R-IIB Residual Interest) and REMIC II-C (as holder of the REMIC II-B Regular Interests). The rights of the Class 2-R Certificateholders (as holder of the Class R-IIA Residual Interest) and of REMIC II-B (as holder of the REMIC II-A Regular Interests) and the rights of the Class 2-R Certificateholders (as holder of the Class R-IIB Residual Interest) and of REMIC II-C (as holder of the REMIC II-B Regular Interests) to receive
distributions from the proceeds of REMIC II-A and REMIC II-B and all ownership interests evidenced or constituted by the Class 2-R Certificates and the Regular Certificates evidencing interests in REMIC II-C, shall be as set forth in this Agreement.

 

 

 

ARTICLE III

ADMINISTRATION AND SERVICING

OF THE MORTGAGE LOANS

 

	SECTION 3.01  	
Master Servicer to Act as Master Servicer.

 

The Master Servicer shall service and administer the Mortgage Loans on behalf of the Trustee and in the best interests of and for the benefit of the Certificateholders (as determined by the Master Servicer in its reasonable judgment) in accordance with the terms of this Agreement and the respective Mortgage Loans and, to the extent consistent with such terms, in the same manner in which it services and administers similar mortgage loans for its own portfolio, giving due consideration to customary and usual standards of practice of prudent mortgage lenders and loan servicers administering similar mortgage loans but without regard to:

 

(i)  any relationship that the Master Servicer, any Sub-Servicer or any Affiliate of the Master Servicer or any Sub-Servicer may have with the related Mortgagor;

 

(ii)  the ownership of any Certificate by the Master Servicer or any Affiliate of the Master Servicer;

 

(iii)  the Master Servicer’s obligation to make P&I Advances or Servicing Advances; or

 

(iv)  the Master Servicer’s or any Sub-Servicer’s right to receive compensation for its services hereunder or with respect to any particular transaction.

 

To the extent consistent with the foregoing, the Master Servicer shall also seek to maximize the timely and complete recovery of principal and interest on the Mortgage Notes. Subject only to the above-described servicing standards and the terms of this Agreement and of the respective Mortgage Loans, the Master Servicer shall have full power and authority, acting alone or through Sub-Servicers as provided in Section 3.02, to do or cause to be done any and all things in connection with such servicing and administration which it may deem necessary or desirable. Without limiting the generality of the foregoing, the Master Servicer in its own name or in the name of a Sub-Servicer is hereby authorized and empowered by the Trustee when the Master Servicer believes it appropriate in its best judgment in accordance with
the servicing standards set forth above, to execute and deliver, on behalf of the Certificateholders and the Trustee, and upon notice to the Trustee, any and all instruments of satisfaction or cancellation, or of partial or full release or discharge, and all other comparable instruments, with respect to the Mortgage Loans and the Mortgaged Properties and to institute foreclosure proceedings or obtain a deed-in-lieu of foreclosure so as to convert the ownership of such properties, and to hold or cause to be held title to such properties, on behalf of the Trustee and Certificateholders. The Master Servicer shall service and administer the Mortgage Loans in accordance with applicable state and federal law and shall provide to the Mortgagors any reports required to be provided to them thereby. The Master Servicer shall also comply in the performance of this Agreement with all reasonable rules and requirements of each insurer under each Primary Mortgage Insurance Policy and any standard hazard insurance
policy. Subject to Section 3.17, the Trustee shall execute, at the written request of the Master Servicer, and furnish to the Master Servicer and any Sub-Servicer such documents as are necessary or appropriate to enable the Master Servicer or any Sub-Servicer to carry out their servicing and administrative duties hereunder, and the Trustee hereby grants to the Master Servicer a power of attorney to carry out such duties. The Trustee shall not be liable for the actions of the Master Servicer or any Sub-Servicers under such powers of attorney.

 

In accordance with the standards of the preceding paragraph, the Master Servicer shall advance or cause to be advanced funds as necessary for the purpose of effecting the timely payment of taxes and assessments on the Mortgaged Properties, which advances shall be Servicing Advances reimbursable in the first instance from related collections from the Mortgagors pursuant to Section 3.09, and further as provided in Section 3.11. Any cost incurred by the Master Servicer or by Sub- Servicers in effecting the timely payment of taxes and assessments on a Mortgaged Property shall not, for the purpose of calculating distributions to Certificateholders, be added to the unpaid principal balance of the related Mortgage Loan, notwithstanding that the terms of such Mortgage Loan so permit.

 

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 Sub-Servicer, when the Master Servicer or the Sub-Servicer, as the case may be, believes it is appropriate in its best judgment to register any Mortgage Loan on the MERS System, or cause the removal from the registration of any Mortgage Loan on the MERS 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 reasonable expenses (i) incurred as a result of MERS discontinuing or becoming
unable to continue operations in connection with the MERS System or (ii) if the affected Mortgage Loan is in default or, in the judgment of the Master Servicer, such default is reasonably foreseeable, incurred in connection with the actions described in the preceding sentence, shall be subject to withdrawal by the Master Servicer from the Collection Account.

 

Notwithstanding anything in this Agreement to the contrary, the Master Servicer may not make any future advances with respect to a Mortgage Loan (except as provided in Section 4.03) and the Master Servicer shall not (i) permit any modification with respect to any Mortgage Loan (except with respect to a Mortgage Loan that is in default or, in the judgment of the Master Servicer, such default is reasonably foreseeable) that would change the Mortgage Rate, reduce or increase the principal balance (except for reductions resulting from actual payments of principal) or change the final maturity date on such Mortgage Loan or (ii) permit any modification, waiver or amendment of any term of any Mortgage Loan that would both (A) effect an exchange or reissuance of such Mortgage Loan under Section 1001 of the Code (or
final, temporary or proposed Treasury regulations promulgated thereunder) and (B) cause any Trust REMIC 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. Consistent with the foregoing, in connection with a partial Principal Prepayment, the Master Servicer may at its option reduce or permit a Sub-Servicer to reduce the scheduled Monthly Payments on the related Mortgage Loan so that the remaining outstanding principal amount owed under such Mortgage Loan will be paid in equal monthly installments of principal and interest by the originally scheduled maturity date. In addition, in connection with any modification of a Mortgage Loan that is entered into by a Mortgagor in lieu of refinancing and that is not permitted by this paragraph or by Section 3.07, the Master Servicer shall treat such modification for remitting and reporting purposes as a Principal Prepayment
in full to the Trust occurring concurrently with the origination of a new mortgage loan, which is not in the Trust, to the Mortgagor. For any such Mortgage Loan that has been so deemed the subject of a Principal Prepayment in full, upon written notice from the Master Servicer of the deposit into the Collection Account of funds in an amount equal to all amounts that would be owed to the Trust by the related Mortgagor if such deemed Principal Prepayment were an actual Principal Prepayment in full, the Trustee and the Trust Administrator shall execute and deliver such instruments of transfer or assignment, in each case without recourse, as the Master Servicer or the applicable Sub-Servicer shall furnish to it and as shall be necessary to vest in the designated successor owner of such Mortgage Loan specified in such instruments such Mortgage Loan released pursuant hereto, and the Trustee and the Trust Administrator shall have no further responsibility with regard to such Mortgage Loan or the related
Mortgage File.

 

The Master Servicer may delegate its responsibilities under this Agreement; provided, however, that no such delegation shall release the Master Servicer from the responsibilities or liabilities arising under this Agreement.

 

The Master Servicer shall accurately and fully report (or cause each Sub-Servicer to accurately and fully report), its borrower credit files to each of the credit repositories in a timely manner.

 

	SECTION 3.02  	
Sub-Servicing Agreements Between the Master Servicer and Sub-Servicers.

 

(a)  The Master Servicer may enter into Sub-Servicing Agreements (provided that such agreements would not result in a withdrawal or a downgrading by the Rating Agencies of the rating on any Class of Certificates) with Sub-Servicers, for the servicing and administration of the Mortgage Loans. As of the Cut-Off Date, Countrywide Home Loans Servicing LP is the Sub-Servicer with respect to the Countrywide Mortgage Loans and in such capacity Countrywide Home Loans Servicing LP will be primarily responsible for the servicing of such Mortgage
Loans. As of the Cut-Off date, Fifth Third is the Sub-Servicer with respect to the Fifth Third Mortgage Loans and in such capacity Fifth Third will be primarily responsible for the servicing of such Mortgage Loans. As of the Cut-Off Date, HomeBanc is the Sub-Servicer with respect to the HomeBanc Mortgage Loans and in such capacity HomeBanc will be primarily responsible for the servicing of such Mortgage Loans. As of the Cut-Off Date, Wells Fargo is the Sub-Servicer with respect to the Wells Fargo Mortgage Loans and in such capacity Wells Fargo will be primarily responsible for the servicing of such Mortgage Loans. As of the Cut-Off Date, CitiMortgage is the Sub-Servicer with respect to certain of the CitiMortgage Mortgage Loans and in such capacity CitiMortgage will be primarily responsible for the servicing of such Mortgage Loans.

 

(b)  Each Sub-Servicer shall be (i) 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 Sub-Servicer to perform its obligations hereunder and under the Sub-Servicing Agreement, (ii) an institution approved as a mortgage loan originator by the Federal Housing Administration or an institution the deposit accounts of which are insured by the FDIC and (iii) a Freddie Mac or Fannie Mae approved mortgage servicer. Each Sub-Servicing Agreement must impose on the Sub-Servicer requirements conforming to the provisions set forth in Section 3.08 and provide for servicing of the
Mortgage Loans consistent with the terms of this Agreement. The Master Servicer will examine each Sub-Servicing Agreement and will be familiar with the terms thereof. The terms of any Sub-Servicing Agreement will not be inconsistent with any of the provisions of this Agreement. The Master Servicer and the Sub-Servicers may enter into and make amendments to the Sub-Servicing Agreements or enter into different forms of Sub-Servicing Agreements; provided, however, that any such amendments or different forms shall be consistent with and not violate the provisions of this Agreement, and that no such amendment or different form shall be made or entered into which could be reasonably expected to be materially adverse to the interests of the Certificateholders, without the consent of the Holders of Certificates entitled to at least 66% of the Voting Rights. Any variation without the consent of the Holders of Certificates entitled to at least 66% of the Voting Rights from the provisions set forth in Section
3.08 relating to insurance or priority requirements of Sub-Servicing Accounts, or credits and charges to the Sub- Servicing Accounts or the timing and amount of remittances by the Sub-Servicers to the Master Servicer, are conclusively deemed to be inconsistent with this Agreement and therefore prohibited. The Master Servicer shall deliver to the Trustee and the Trust Administrator copies of all Sub-Servicing Agreements, and any amendments or modifications thereof, promptly upon the Master Servicer’s execution and delivery of such instruments.

 

(c)  As part of its servicing activities hereunder, the Master Servicer (except as otherwise provided in the last sentence of this paragraph), for the benefit of the Trustee and the Certificateholders, shall enforce the obligations of each Sub-Servicer under the related Sub-Servicing Agreement and of the Seller under the Mortgage Loan Purchase Agreement, including, without limitation, any obligation to make advances in respect of delinquent payments as required by a Sub- Servicing Agreement, or to purchase a Mortgage Loan on account of missing or defective documentation or on account of a breach of a representation, warranty or covenant, as described in Section 2.03(a). Such enforcement, including,
without limitation, the legal prosecution of claims, termination of Sub-Servicing Agreements, 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, in its good faith business judgment, would require were it the owner of the related Mortgage Loans. 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 Loans, 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 Sub-Servicers.

 

The Master Servicer shall be entitled to terminate any Sub-Servicing Agreement and the rights and obligations of any Sub-Servicer pursuant to any Sub-Servicing Agreement in accordance with the terms and conditions of such Sub-Servicing Agreement. In the event of termination of any Sub-Servicer, all servicing obligations of such Sub-Servicer shall be assumed simultaneously by the Master Servicer without any act or deed on the part of such Sub-Servicer or the Master Servicer, and the Master Servicer either shall service directly the related Mortgage Loans or shall enter into a Sub-Servicing Agreement with a successor Sub-Servicer which qualifies under Section 3.02.

 

Any Sub-Servicing Agreement (other than any Initial Sub-Servicing Agreement) shall include the provision that such agreement may be immediately terminated by the Trustee or the Trust Administrator without fee, in accordance with the terms of this Agreement, in the event that the Master Servicer shall, for any reason, no longer be the Master Servicer (including termination due to a Master Servicer Event of Default).

 

	SECTION 3.04  	
Liability of the Master Servicer.

 

Notwithstanding any Sub-Servicing Agreement, any of the provisions of this Agreement relating to agreements or arrangements between the Master Servicer and a Sub-Servicer or reference to actions taken through a Sub-Servicer or otherwise, the Master Servicer shall remain obligated and primarily liable to the Trustee and the Certificateholders for the servicing and administering of the Mortgage Loans in accordance with the provisions of Section 3.01 without diminution of such obligation or liability by virtue of such Sub-Servicing Agreements or arrangements or by virtue of indemnification from the Sub-Servicer 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 Sub- Servicer for indemnification of the Master Servicer by such Sub-Servicer and nothing contained in this Agreement shall be deemed to limit or modify such indemnification.

 

	SECTION 3.05  	
No Contractual Relationship Between Sub-Servicers and Trustee, Trust Administrator or Certificateholders.

 

Any Sub-Servicing Agreement that may be entered into and any transactions or services relating to the Mortgage Loans involving a Sub-Servicer in its capacity as such shall be deemed to be between the Sub-Servicer and the Master Servicer alone, and the Trustee, the Trust Administrator and the Certificateholders shall not be deemed parties thereto and shall have no claims, rights, obligations, duties or liabilities with respect to the Sub-Servicer except as set forth in Section 3.06. The Master Servicer shall be solely liable for all fees owed by it to any Sub-Servicer, irrespective of whether the Master Servicer’s compensation pursuant to this Agreement is sufficient to pay such fees.

 

	SECTION 3.06  	
Assumption or Termination of Sub-Servicing Agreements by Trustee.

 

In the event the Master Servicer shall for any reason no longer be the master servicer (including by reason of the occurrence of a Master Servicer Event of Default), the Trustee or its designee shall thereupon assume all of the rights and obligations of the Master Servicer under each Sub-Servicing Agreement that the Master Servicer may have entered into, unless the Trustee elects to terminate any Sub-Servicing Agreement in accordance with its terms as provided in Section 3.03. Upon such assumption, the Trustee, its designee or the successor servicer for the Trustee appointed pursuant to Section 7.02 shall be deemed, subject to Section 3.03, to have assumed all of the Master Servicer’s interest therein and to have replaced the Master Servicer as a party to each Sub-Servicing Agreement to the same extent as
if each Sub-Servicing Agreement had been assigned to the assuming party, except that (i) the Master Servicer shall not thereby be relieved of any liability or obligations under any Sub-Servicing Agreement and (ii) none of the Trustee, its designee or any successor Master Servicer shall be deemed to have assumed any liability or obligation of the Master Servicer that arose before it ceased to be the Master Servicer.

 

The Master Servicer at its expense shall, upon request of the Trustee, deliver to the assuming party all documents and records relating to each Sub-Servicing Agreement and the Mortgage Loans then being serviced and an accounting of amounts collected and held by or on behalf of it, and otherwise use its best efforts to effect the orderly and efficient transfer of the Sub- Servicing Agreements to the assuming party.

 

	SECTION 3.07  	
Collection of Certain Mortgage Loan Payments.

 

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 Mortgage Insurance Policy and any other applicable insurance policies, follow such collection procedures as it would follow with respect to mortgage loans comparable to the Mortgage Loans and held for its own account. Consistent with the foregoing and the servicing standards set forth in Section 3.01, the Master Servicer may in its discretion (i) waive any late payment charge or, if applicable, penalty interest, only upon determining that the coverage of such Mortgage Loan by the related Primary Mortgage Insurance Policy, if any, will not be
affected, or (ii) extend the due dates for Monthly Payments due on a Mortgage Note for a period of not greater than 180 days; provided that any extension pursuant to clause (ii) above shall not affect the amortization schedule of any Mortgage Loan for purposes of any computation hereunder, except as provided below. In the event of any such arrangement pursuant to clause (ii) above, the Master Servicer shall make timely advances on such Mortgage Loan during such extension pursuant to Section 4.03 and in accordance with the amortization schedule of such Mortgage Loan without modification thereof by reason of such arrangements. Notwithstanding the foregoing, in the event that any Mortgage Loan is in default or, in the judgment of the Master Servicer, such default is reasonably foreseeable, the Master Servicer, consistent with the standards set forth in Section 3.01, may waive, modify or vary any term of such Mortgage Loan (including modifications that change the Mortgage Rate, forgive the payment of
principal or interest or extend the final maturity date of such Mortgage Loan), accept payment from the related Mortgagor of an amount less than the Stated Principal Balance in final satisfaction of such Mortgage Loan (such payment, a “Short Pay-off”) or consent to the postponement of strict compliance with any such term or otherwise grant indulgence to any Mortgagor, if in the Master Servicer’s determination such waiver, modification, postponement or indulgence is not materially adverse to the interests of the Certificateholders (taking into account any estimated Realized Loss that might result absent such action).

 

	SECTION 3.08  	
Sub-Servicing Accounts.

 

In those cases where a Sub-Servicer is servicing a Mortgage Loan pursuant to a Sub-Servicing Agreement, the Sub-Servicer will be required to establish and maintain one or more accounts (collectively, the “Sub-Servicing Account”). The Sub-Servicing Account shall be an Eligible Account and shall comply with all requirements of this Agreement relating to the Collection Account (provided, however, that in the case of each Initial Sub-Servicing Agreement, the applicable Sub-Servicing Account shall comply with all requirements of the Initial Sub-Servicing Agreement relating to the custodial account provided for therein). The Sub-Servicer shall deposit in the clearing account (which account must be an Eligible Account) in which it customarily deposits payments and collections on mortgage loans in connection
with its mortgage loan servicing activities on a daily basis, and in no event more than two Business Days after the Sub-Servicer’s receipt thereof, all proceeds of Mortgage Loans received by the Sub-Servicer less its servicing compensation to the extent permitted by the Sub-Servicing Agreement, and shall thereafter deposit such amounts in the Sub-Servicing Account, in no event more than one Business Day after the deposit of such funds into the clearing account. The Sub-Servicer shall thereafter remit such proceeds to the Master Servicer for deposit in the Collection Account not later than two Business Days after the deposit of such amounts in the Sub-Servicing Account (or, in the case of the Initial Sub-Servicing Agreement, at such time as is required pursuant to the terms of the Initial Sub-Servicing Agreement). For purposes of this Agreement, the Master Servicer shall be deemed to have received payments on the Mortgage Loans when the Sub-Servicer receives such payments.

 

	SECTION 3.09  	
Collection of Taxes, Assessments and Similar Items; Servicing Accounts.

 

The Master Servicer shall establish and maintain (or cause a Sub-Servicer to establish and maintain) one or more accounts (the “Servicing Accounts”), into which all collections from the Mortgagors (or related advances from Sub-Servicers) for the payment of ground rents, taxes, assessments, fire and hazard insurance premiums, Primary Mortgage Insurance Premiums, water charges, sewer rents and comparable items for the account of the Mortgagors (“Escrow Payments”) shall be deposited and retained. Servicing Accounts shall be Eligible Accounts. The Master Servicer (or the applicable Sub-Servicer) shall deposit in the clearing account (which account must be an Eligible Account) in which it customarily deposits payments and collections on mortgage loans in connection with its mortgage loan
servicing activities on a daily basis, and in no event more than two Business Days after the Master Servicer’s (or the applicable Sub-Servicer’s) receipt thereof, all Escrow Payments collected on account of the Mortgage Loans and shall thereafter deposit such Escrow Payments in the Servicing Accounts, in no event more than one Business Day after the deposit of such funds in the clearing account, for the purpose of effecting the payment of any such items as required under the terms of this Agreement. Withdrawals of amounts from a Servicing Account may be made only to (i) effect payment of Escrow Payments; (ii) reimburse the Master Servicer (or a Sub-Servicer to the extent provided in the related Sub-Servicing Agreement) out of related collections for any advances made pursuant to Section 3.01 (with respect to taxes and assessments) and Section 3.14 (with respect to hazard insurance); (iii) refund to Mortgagors any sums as may be determined to be overages; (iv) pay interest, if required and as
described below, to Mortgagors on balances in the Servicing Account; (v) clear and terminate the Servicing Account at the termination of the Master Servicer’s obligations and responsibilities in respect of the Mortgage Loans under this Agreement in accordance with Article IX; or (vi) recover amounts deposited in error. As part of its servicing duties, the Master Servicer or Sub-Servicers shall pay to the Mortgagors interest on funds in Servicing Accounts, to the extent required by law and, to the extent that interest earned on funds in the Servicing Accounts is insufficient, to pay such interest from its or their own funds, without any reimbursement therefor. To the extent that a Mortgage does not provide for Escrow Payments, the Master Servicer shall determine whether any such payments are made by the Mortgagor in a manner and at a time that avoids the loss of the Mortgaged Property due to a tax sale or the foreclosure of a tax lien. The Master Servicer assumes full responsibility for the
payment of all such bills and shall effect payments of all such bills irrespective of the Mortgagor’s faithful performance in the payment of same or the making of the Escrow Payments and shall make advances from its own funds to effect such payments.

 

	SECTION 3.10  	
Collection Account and Distribution Account.

 

(a)  On behalf of the Trust Fund, the Master Servicer shall establish and maintain one or more separate, segregated trust accounts (such account or accounts, the “Collection Account”), held in trust for the benefit of the Trustee and the Certificateholders. On behalf of the Trust Fund, the Master Servicer shall deposit or cause to be deposited in the clearing account (which account must be an Eligible Account) in which it customarily deposits payments and collections on mortgage loans in connection with its mortgage loan servicing activities on a daily basis, and in no event more than two Business Days after the Master Servicer’s receipt thereof, and shall thereafter deposit in the
Collection Account, in no event more than one Business Day after the deposit of such funds into the clearing account, as and when received or as otherwise required hereunder, the following payments and collections received or made by it from and after the Cut-off Date (other than in respect of principal or interest on the related Mortgage Loans due on or before the Cut-off Date), or payments (other than Principal Prepayments) received by it on or prior to the Cut-off Date but allocable to a Due Period subsequent thereto:

 

(i)  all payments on account of principal, including Principal Prepayments, on the Mortgage Loans;

 

(ii)  all payments on account of interest (net of the related Servicing Fee) on each Mortgage Loan; 

 

(iii)  all Insurance Proceeds, Subsequent Recoveries and Liquidation Proceeds (other than proceeds collected in respect of any particular REO Property and amounts paid by the Master Servicer in connection with a purchase of Mortgage Loans and REO Properties pursuant to Section 9.01);

 

(iv)  any amounts required to be deposited pursuant to Section 3.12 in connection with any losses realized on Permitted Investments with respect to funds held in the Collection Account;

 

(v)  any amounts required to be deposited by the Master Servicer pursuant to the second paragraph of Section 3.14(a) in respect of any blanket policy deductibles;

 

(vi)  all proceeds of any Mortgage Loan repurchased or purchased in accordance with Section 2.03 or Section 9.01; 

 

(vii)  all amounts required to be deposited in connection with shortfalls in principal amount of Qualified Substitute Mortgage Loans pursuant to Section 2.03;

 

(viii)  [reserved]; and

 

(ix)  [reserved].

 

For purposes of the immediately preceding sentence, the Cut-off Date with respect to any Qualified Substitute Mortgage Loan shall be deemed to be the date of substitution.

 

The foregoing requirements for deposit in the Collection Accounts shall be exclusive, it being understood and agreed that, without limiting the generality of the foregoing, payments in the nature of late payment charges or assumption fees need not be deposited by the Master Servicer in the Collection Account. In the event the Master Servicer shall deposit in the Collection Account any amount not required to be deposited therein, it may at any time withdraw such amount from the Collection Account, any provision herein to the contrary notwithstanding.

 

(b)  On behalf of the Trust Fund, the Paying Agent on behalf of the Trust Administrator shall establish and maintain one or more separate, segregated trust accounts (such account or accounts, the “Distribution Account”), held in trust for the benefit of the Certificateholders. On behalf of the Trust Fund, the Master Servicer shall deliver to the Paying Agent in immediately available funds for deposit in the Distribution Account on or before 12:00 p.m. New York time (i) on the Master Servicer Remittance Date, that portion of the Group 1 Available Distribution Amount and the Group 2 Available Distribution Amount (calculated in each case without regard to the subtraction therefrom of any Credit
Risk Manager Fee or any applicable lender-paid primary mortgage insurance premium described in clause (i)(a) of each definition thereof) for the related Distribution Date then on deposit in the Collection Account and (ii) on each Business Day as of the commencement of which the balance on deposit in the Collection Account exceeds $75,000 following any withdrawals pursuant to the next succeeding sentence, the amount of such excess, but only if the Collection Account constitutes an Eligible Account solely pursuant to clause (ii) of the definition of “Eligible Account.” If the balance on deposit in the Collection Account exceeds $75,000 as of the commencement of business on any Business Day and the Collection Account constitutes an Eligible Account solely pursuant to clause (ii) of the definition of “Eligible Account,” the Master Servicer shall, on or before 12:00 p.m. New York time on such Business Day, withdraw from the Collection Account any and all amounts payable or reimbursable
to the Depositor, the Master Servicer, the Trustee, the Trust Administrator, the Seller or any Sub-Servicer pursuant to Section 3.11 and shall pay such amounts to the Persons entitled thereto.

 

(c)  Funds in the Collection Account and the Distribution Account may be invested in Permitted Investments in accordance with the provisions set forth in Section 3.12. The Master Servicer shall give notice to the Trustee, the Trust Administrator, the Paying Agent and the Depositor of the location of the Collection Account maintained by it when established and prior to any change thereof. The Paying Agent shall give notice to the Master Servicer, the Trust Administrator, the Paying Agent and the Depositor of the location of the Distribution Account when established and prior to any change thereof. 

 

(d)  Funds held in the Collection Account at any time may be delivered by the Master Servicer to the Paying Agent on behalf of the Trust Administrator for deposit in an account (which may be the Distribution Account and must satisfy the standards for the Distribution Account as set forth in the definition thereof) and for all purposes of this Agreement shall be deemed to be a part of the Collection Account; provided, however, that the Paying Agent shall have the sole authority to withdraw any funds held pursuant to this subsection (d). In the event the Master Servicer shall deliver to the Paying Agent for deposit in the Distribution Account any amount not required to be deposited therein, it may at any
time request that the Paying Agent withdraw such amount from the Distribution Account and remit to it any such amount, any provision herein to the contrary notwithstanding. In addition, the Master Servicer shall deliver to the Paying Agent from time to time for deposit, and upon written notification from the Master Servicer, the Paying Agent shall so deposit, in the Distribution Account:

 

(i)  any P&I Advances, as required pursuant to Section 4.03;

 

(ii)  any amounts required to be deposited pursuant to Section 3.23(d) or (f) in connection with any REO Property;

 

(iii)  any amounts to be paid by the Master Servicer in connection with a purchase of Mortgage Loans and REO Properties pursuant to Section 9.01;

 

(iv)  any amounts required to be deposited pursuant to Section 3.24 in connection with any Prepayment Interest Shortfalls; and

 

(v)  any Stayed Funds, as soon as permitted by the federal bankruptcy court having jurisdiction in such matters.

 

(e)  Promptly upon receipt of any Stayed Funds, whether from the Master Servicer, a trustee in bankruptcy, or federal bankruptcy court or other source, the Paying Agent shall deposit such funds in the Distribution Account, subject to withdrawal thereof as permitted hereunder.

 

(f)  The Master Servicer shall deposit in the Collection Account any amounts required to be deposited pursuant to Section 3.12(b) in connection with losses realized on Permitted Investments with respect to funds held in the Collection Account.

 

	SECTION 3.11  	
Withdrawals from the Collection Account and Distribution Account.

 

(a)  The Master Servicer shall, from time to time, make withdrawals from the Collection Account for any of the following purposes or as described in Section 4.03:

 

(i)  to remit to the Paying Agent for deposit in the Distribution Account the amounts required to be so remitted pursuant to Section 3.10(b) or permitted to be so remitted pursuant to the first sentence of Section 3.10(d);

 

(ii)  subject to Section 3.16(d), to reimburse the Master Servicer for P&I Advances, but only to the extent of amounts received which represent Late Collections (net of the related Servicing Fees) of Monthly Payments on Mortgage Loans with respect to which such P&I Advances were made in accordance with the provisions of Section 4.03;

 

(iii)  subject to Section 3.16(d), to pay the Master Servicer or any Sub- Servicer (A) any unpaid Servicing Fees, (B) any unreimbursed Servicing Advances with respect to each Mortgage Loan, but only to the extent of any Liquidation Proceeds, Insurance Proceeds or other amounts as may be collected by the Master Servicer from a Mortgagor, or otherwise received with respect to such Mortgage Loan and (C) any nonrecoverable Servicing Advances following the final liquidation of a Mortgage Loan, but only to the extent that Late Collections, Liquidation Proceeds and Insurance Proceeds received with respect to such Mortgage Loan are insufficient to reimburse the Master Servicer or any Sub-Servicer for such
Servicing Advances;

 

(iv)  to pay to the Master Servicer as servicing compensation (in addition to the Servicing Fee) on the Master Servicer Remittance Date any interest or investment income earned on funds deposited in the Collection Account;

 

(v)  to pay to the Master Servicer, the Depositor or the Seller, as the case may be, with respect to each Mortgage Loan that has previously been purchased or replaced pursuant to Section 2.03 all amounts received thereon subsequent to the date of purchase or substitution, as the case may be;

 

(vi)  to reimburse the Master Servicer for any P&I Advance previously made which the Master Servicer has determined to be a Nonrecoverable P&I Advance in accordance with the provisions of Section 4.03;

 

(vii)  to reimburse the Master Servicer or the Depositor for expenses incurred by or reimbursable to the Master Servicer or the Depositor, as the case may be, pursuant to Section 6.03;

 

(viii)  to reimburse the Master Servicer, the Trust Administrator or the Trustee, as the case may be, for expenses reasonably incurred in respect of the breach or defect giving rise to the purchase obligation under Section 2.03 or Section 2.04 of this Agreement that were included in the Purchase Price of the Mortgage Loan, including any expenses arising out of the enforcement of the purchase obligation;

 

(ix)  to pay, or to reimburse the Master Servicer for advances in respect of expenses incurred in connection with any Mortgage Loan pursuant to Section 3.16(b);

 

(x)  to pay the Credit Risk Manager the Credit Risk Manager Fee; and

 

(xi)  to clear and terminate the Collection Account pursuant to Section 9.01.

 

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 Collection Account, to the extent held by or on behalf of it, pursuant to subclauses (ii), (iii), (iv), (v), (vi), (viii) and (ix) above. The Master Servicer shall provide written notification to the Trustee, the Trust Administrator and the Paying Agent, on or prior to the next succeeding Master Servicer Remittance Date, upon making any withdrawals from the Collection Account pursuant to subclause (vii) above.

 

(b)  The Paying Agent shall, from time to time, make withdrawals from the Distribution Account, for any of the following purposes, without priority:

 

(i)  to make distributions to Certificateholders in accordance with Section 4.01;

 

(ii)  to pay to itself any interest income earned on funds deposited in the Distribution Account pursuant to Section 3.12(c);

 

(iii)  to reimburse the Trust Administrator or the Trustee pursuant to Section 7.02;

 

(iv)  to pay any amounts in respect of taxes pursuant to 10.01(g)(iii);

 

(v)  to pay any Extraordinary Trust Fund Expenses;

 

(vi)  to reimburse the Paying Agent or the Trustee for any P&I Advance made by it under Section 7.01 (if not reimbursed by the Master Servicer) to the same extent the Master Servicer would be entitled to reimbursement under Section 3.11(a); and

 

(vii)  to clear and terminate the Distribution Account pursuant to Section 9.01.

 

	SECTION 3.12  	
Investment of Funds in the Collection Account and the Distribution Account.

 

(a)  The Master Servicer may direct any depository institution maintaining the Collection Account (for purposes of this Section 3.12, an “Investment Account”), and the Paying Agent may direct any depository institution maintaining the Distribution Account (for purposes of this Section 3.12, also an “Investment Account”), to hold the funds in such Investment Account uninvested or to invest the funds in such Investment Account in one or more Permitted Investments specified in such instruction bearing interest or sold at a discount, and maturing, unless payable on demand, (i) no later than the Business Day immediately preceding the date on which such funds are required to be withdrawn
from such account pursuant to this Agreement, if a Person other than the Paying Agent is the obligor thereon, and (ii) no later than the date on which such funds are required to be withdrawn from such account pursuant to this Agreement, if the Paying Agent is the obligor thereon. All such Permitted Investments shall be held to maturity, unless payable on demand. Any investment of funds in an Investment Account shall be made in the name of the Trust Administrator (in its capacity as such) or in the name of a nominee of the Trust Administrator. The Trust Administrator shall be entitled to sole possession (except with respect to investment direction of funds held in the Collection Account and the Distribution Account and any income and gain realized thereon) over each such investment, and any certificate or other instrument evidencing any such investment shall be delivered directly to the Trust Administrator or its agent, together with any document of transfer necessary to transfer title to such
investment to the Trust Administrator or its nominee. In the event amounts on deposit in an Investment Account are at any time invested in a Permitted Investment payable on demand, the Trust Administrator shall:

 

	 	
(x)
	
consistent with any notice required to be given thereunder, demand that payment thereon be made on the last day such Permitted Investment may otherwise mature hereunder in an amount equal to the lesser of (1) all amounts then payable thereunder and (2) the amount required to be withdrawn on such date; and

 

	 	
(y)
	
demand payment of all amounts due thereunder promptly upon determination by a Responsible Officer of the Trust Administrator that such Permitted Investment would not constitute a Permitted Investment in respect of funds thereafter on deposit in the Investment Account.

 

(b)  All income and gain realized from the investment of funds deposited in the Collection Account held by or on behalf of the Master Servicer, shall be for the benefit of the Master Servicer and shall be subject to its withdrawal in accordance with Section 3.11. The Master Servicer shall deposit in the Collection Account the amount of any loss of principal incurred in respect of any such Permitted Investment made with funds in such accounts immediately upon realization of such loss.

 

(c)  All income and gain realized from the investment of funds deposited in the Distribution Account held by or on behalf of the Paying Agent, shall be for the benefit of the Paying Agent and shall be subject to its withdrawal at any time. The Paying Agent shall deposit in the Distribution Account the amount of any loss of principal incurred in respect of any such Permitted Investment made with funds in such accounts immediately upon realization of such loss.

 

(d)  Except as otherwise expressly provided in this Agreement, if any default occurs in the making of a payment due under any Permitted Investment, or if a default occurs in any other performance required under any Permitted Investment, the Trustee may and, subject to Section 8.01 and Section 8.02(a)(v), upon the request of the Holders of Certificates representing more than 50% of the Voting Rights allocated to any Class of Certificates, shall take such action as may be appropriate to enforce such payment or performance, including the institution and prosecution of appropriate proceedings.

 

	SECTION 3.13  	
Maintenance of the Primary Mortgage Insurance Policies; Collections Thereunder.

 

The Master Servicer will maintain or cause the related Sub-Servicer, if any, to maintain in full force and effect, if required under the Mortgage Loan Purchase Agreement and to the extent available, a Primary Mortgage Insurance Policy with respect to each Mortgage Loan so insured as of the Closing Date (or, in the case of a Qualified Substitute Mortgage Loan, on the date of substitution). Such coverage will be maintained with respect to each such Mortgage Loan for so long as it is outstanding, subject to any applicable laws or until the related Loan-to-Value Ratio is reduced to less than or equal to 80% based on Mortgagor payments. The Master Servicer shall cause the premium for each Primary Mortgage Insurance Policy to be paid on a timely basis and shall pay such premium out of its own funds if it is not
otherwise paid. The Master Servicer or the related Sub-Servicer, if any, will not cancel or refuse to renew any such Primary Mortgage Insurance Policy in effect on the Closing Date (or, in the case of a Qualified Substitute Mortgage Loan, on the date of substitution) that is required to be kept in force under this Agreement unless a replacement Primary Mortgage Insurance Policy for such canceled or non-renewed policy is obtained from and maintained with a Qualified Insurer.

 

The Master Servicer shall not take, or permit any Sub-Servicer to take, any action which would result in non-coverage under any applicable Primary Mortgage Insurance Policy of any loss which, but for the actions of the Master Servicer or Sub-Servicer, would have been covered thereunder. The Master Servicer will comply in the performance of this Agreement with all reasonable rules and requirements of each insurer under each Primary Mortgage Insurance Policy. In connection with any assumption and modification agreement or substitution of liability agreement entered into or to be entered into pursuant to Section 3.15, the Master Servicer shall promptly notify the insurer under the related Primary Mortgage Insurance Policy, if any, of such assumption in accordance with the terms of such policies and shall take all
actions which may be required by such insurer as a condition to the continuation of coverage under the Primary Mortgage Insurance Policy. If any such Primary Mortgage Insurance Policy is terminated as a result of such assumption, the Master Servicer or the related Sub-Servicer shall obtain a replacement Primary Mortgage Insurance Policy as provided above.

 

In connection with its activities as administrator and servicer of the Mortgage Loans, the Master Servicer agrees to prepare and present, on behalf of itself, the Trustee and the Certificateholders, claims to the insurer under any Primary Mortgage Insurance Policy in a timely fashion in accordance with the terms of such policies and, in this regard, to take such action as shall be necessary to permit recovery under any Primary Mortgage Insurance Policy respecting a defaulted Mortgage Loan. Any amounts collected by the Master Servicer under any Primary Mortgage Insurance Policy shall be deposited in the Collection Account, subject to withdrawal pursuant to Section 3.11; and any amounts collected by the Master Servicer under any Primary Mortgage Insurance Policy in respect of any REO Property shall be deposited
in the Collection Account, subject to withdrawal pursuant to Section 3.23. In those cases in which a Mortgage Loan is serviced by a Sub-Servicer, the Sub-Servicer, on behalf of itself, the Trustee, and the Certificateholders, will present claims to the insurer under any Primary Mortgage Insurance Policy and all collections thereunder shall be deposited initially in the Sub-Servicing Account.

 

	SECTION 3.14  	
Maintenance of Hazard Insurance and Errors and Omissions and Fidelity Coverage.

 

(a)  The Master Servicer shall cause to be maintained for each Mortgage Loan fire insurance with extended coverage on the related Mortgaged Property in an amount which is at least equal to the least of (i) the current principal balance of such Mortgage Loan, (ii) the amount necessary to fully compensate for any damage or loss to the improvements that are a part of such property on a replacement cost basis and (iii) the maximum insurable value of the improvements which are a part of such Mortgaged Property, in each case in an amount not less than such amount as is necessary to avoid the application of any coinsurance clause contained in the related hazard insurance policy. The Master Servicer shall also
cause to be maintained fire insurance with extended coverage on each REO Property in an amount which is at least equal to the lesser of (i) the maximum insurable value of the improvements which are a part of such property and (ii) the outstanding principal balance of the related Mortgage Loan at the time it became an REO Property, plus accrued interest at the Mortgage Rate and related Servicing Advances. The Master Servicer will comply in the performance of this Agreement with all reasonable rules and requirements of each insurer under any such hazard policies. Any amounts to be collected by the Master Servicer under any such policies (other than amounts to be applied to the restoration or repair of the property subject to the related Mortgage or amounts to be released to the Mortgagor in accordance with the procedures that the Master Servicer would follow in servicing loans held for its own account, subject to the terms and conditions of the related Mortgage and Mortgage Note) shall be deposited in
the Collection Account, subject to withdrawal pursuant to Section 3.11, if received in respect of a Mortgage Loan, or in the REO Account, subject to withdrawal pursuant to Section 3.23, if received in respect of an REO Property. Any cost incurred by the Master Servicer in maintaining any such insurance shall not, for the purpose of calculating distributions to Certificateholders, be added to the unpaid principal balance of the related Mortgage Loan, notwithstanding that the terms of such Mortgage Loan so permit. It is understood and agreed that no earthquake or other additional insurance is to be required of any Mortgagor other than pursuant to such applicable laws and regulations as shall at any time be in force and as shall require such additional insurance. If the Mortgaged Property or REO Property is at any time in an area identified in the Federal Register by the Federal Emergency Management Agency as having special flood hazards, the Master Servicer will cause to be maintained a flood insurance
policy in respect thereof. Such flood insurance shall be in an amount equal to the lesser of (i) the unpaid principal balance of the related Mortgage Loan 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 policy with an insurer having a General Policy Rating of A:X or better in Best’s Key Rating Guide (or such other rating that is comparable to such rating) 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 two sentences of this Section 3.14, 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 or REO Property a policy complying with the first two sentences of this Section 3.14, and there shall have been one or more losses which would have been covered by such policy, deposit to
the Collection Account from its own funds the amount not otherwise payable under the blanket policy because of such deductible clause. In connection with its activities as administrator and servicer of the Mortgage Loans, the Master Servicer agrees to prepare and present, on behalf of itself, the Trustee and the Certificateholders, claims under any such blanket policy in a timely fashion in accordance with the terms of such policy.

 

(b)  The Master Servicer shall keep in force during the term of this Agreement a policy or policies of insurance covering errors and omissions for failure in the performance of the Master Servicer’s obligations under this Agreement, which policy or policies shall be in such form and amount that would meet the requirements of Fannie Mae or Freddie Mac if it were the purchaser of the Mortgage Loans, unless the Master Servicer has obtained a waiver of such requirements from Fannie Mae or Freddie Mac. The Master Servicer shall also maintain a fidelity bond in the form and amount that would meet the requirements of Fannie Mae or Freddie Mac, unless the Master Servicer has obtained a waiver of such
requirements from Fannie Mae or Freddie Mac. The Master Servicer shall provide the Trustee and the Paying Agent (upon the Trustee’s or Paying Agent’s reasonable request) with copies of any such insurance policies and fidelity bond. The Master Servicer shall be deemed to have complied with this provision if an Affiliate of the Master Servicer has such errors and omissions and fidelity bond coverage and, by the terms of such insurance policy or fidelity bond, the coverage afforded thereunder extends to the Master Servicer. Any such errors and omissions policy and fidelity bond shall by its terms not be cancelable without thirty days’ prior written notice to the Trustee. The Master Servicer shall also cause each Sub-Servicer to maintain a policy of insurance covering errors and omissions and a fidelity bond which would meet such requirements.

 

	SECTION 3.15  	
Enforcement of Due-On-Sale Clauses; Assumption Agreements.

 

The Master Servicer will, to the extent it has knowledge of any conveyance or prospective conveyance of any Mortgaged Property by any Mortgagor (whether by absolute conveyance or by contract of sale, and whether or not the Mortgagor remains or is to remain liable under the Mortgage Note and/or the Mortgage), exercise its rights to accelerate the maturity of such Mortgage Loan under the “due-on-sale” clause, if any, applicable thereto; provided, however, that the Master Servicer shall not exercise any such rights if prohibited by law from doing so or if the exercise of such rights would impair or threaten to impair any recovery under the related Primary Mortgage Insurance Policy, if any. If the Master Servicer reasonably believes it is unable under applicable law to enforce such “due-on-sale”
clause, or if any of the other conditions set forth in the proviso to the preceding sentence apply, the Master Servicer will enter into an assumption and modification agreement from or with the person to whom such property has been conveyed or is proposed to be conveyed, pursuant to which such person becomes liable under the Mortgage Note and, to the extent permitted by applicable state law, the Mortgagor remains liable thereon. The Master Servicer is also authorized to enter into a substitution of liability agreement with such person, pursuant to which the original Mortgagor is released from liability and such person is substituted as the Mortgagor and becomes liable under the Mortgage Note, provided that no such substitution shall be effective unless such person satisfies the underwriting criteria of the Master Servicer. In connection with any assumption or substitution, the Master Servicer shall apply such underwriting standards and follow such practices and procedures as shall be normal and usual
in its general mortgage servicing activities and as it applies to other mortgage loans owned solely by it. The Master Servicer shall not take or enter into any assumption and modification agreement, however, unless (to the extent practicable in the circumstances) it shall have received confirmation, in writing, of the continued effectiveness of any applicable Primary Mortgage Insurance Policy or hazard insurance policy, or a new policy meeting the requirements of this Section is obtained. Any fee collected by the Master Servicer in respect of an assumption or substitution of liability agreement will be retained by the Master Servicer as additional servicing compensation. In connection with any such assumption, no material term of the Mortgage Note (including but not limited to the related Mortgage Rate and the amount of the Monthly Payment) may be amended or modified, except as otherwise required pursuant to the terms thereof. The Master Servicer shall notify the Trustee that any such substitution or
assumption agreement has been completed by forwarding to the Custodian (with a copy to the Trustee) the executed original of such substitution or assumption agreement, which document shall be added to the related Mortgage File and shall, for all purposes, be considered a part of such Mortgage File to the same extent as all other documents and instruments constituting a part thereof.

 

Notwithstanding the foregoing paragraph or any other provision of this Agreement, the Master Servicer shall not be deemed to be in default, breach or any other violation of its obligations hereunder by reason of any assumption of a Mortgage Loan by operation of law or by the terms of the Mortgage Note or any assumption which the Master Servicer may be restricted by law from preventing, for any reason whatever. For purposes of this Section 3.15, the term “assumption” is deemed to also include a sale (of the Mortgaged Property) subject to the Mortgage that is not accompanied by an assumption or substitution of liability agreement.

 

	SECTION 3.16  	
Realization Upon Defaulted Mortgage Loans.

 

(a)  The Master Servicer shall, consistent with the servicing standard set forth in Section 3.01, foreclose upon or otherwise comparably convert 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. The Master Servicer shall be responsible for all costs and expenses incurred by it in any such proceedings; provided, however, that such costs and expenses will be recoverable as Servicing Advances by the Master Servicer as contemplated in Section 3.11 and Section 3.23. The foregoing is subject to the provision that, in any case in which
Mortgaged Property shall have suffered damage from an Uninsured Cause, the Master Servicer shall not be required to expend its own funds toward the restoration of such property unless it shall determine in its discretion that such restoration will increase the proceeds of liquidation of the related Mortgage Loan after reimbursement to itself for such expenses.

 

(b)  Notwithstanding the foregoing provisions of this Section 3.16 or any other provision of this Agreement, with respect to any Mortgage Loan as to which the Master Servicer has received actual notice of, or has actual knowledge of, the presence of any toxic or hazardous substance on the related Mortgaged Property, the Master Servicer shall not, on behalf of the Trustee, either (i) obtain title to such Mortgaged Property as a result of or in lieu of foreclosure or otherwise, or (ii) otherwise acquire possession of, or take any other action with respect to, such Mortgaged Property, if, as a result of any such action, the Trustee, the Trust Fund, the Trust Administrator, the Master Servicer or the
Certificateholders would be considered to hold title to, to be a “mortgagee-in- possession” of, or to be an “owner” or “operator” of such Mortgaged Property within the meaning of the Comprehensive Environmental Response, Compensation and Liability Act of 1980, as amended from time to time, or any comparable law, unless the Master Servicer has also previously determined, based on its reasonable judgment and a report prepared by a Person who regularly conducts environmental audits using customary industry standards, that:

 

(1)  such Mortgaged Property is in compliance with applicable environmental laws or, if not, that it would be in the best economic interest of the Trust Fund to take such actions as are necessary to bring the Mortgaged Property into compliance therewith; and

 

(2)  there are no circumstances present at such Mortgaged Property relating to the use, management or disposal of any hazardous substances, hazardous materials, hazardous wastes, or petroleum-based materials for which investigation, testing, monitoring, containment, clean-up or remediation could be required under any federal, state or local law or regulation, or that if any such materials are present for which such action could be required, that it would be in the best economic interest of the Trust Fund to take such actions with respect to the affected Mortgaged Property.

 

The cost of the environmental audit report contemplated by this Section 3.23 shall be advanced by the Master Servicer, subject to the Master Servicer’s right to be reimbursed therefor from the Collection Account as provided in Section 3.11(a)(ix), such right of reimbursement being prior to the rights of Certificateholders to receive any amount in the Collection Account received in respect of the affected Mortgage Loan or other Mortgage Loans.

 

If the Master Servicer determines, as described above, that it is in the best economic interest of the Trust Fund to take such actions as are necessary to bring any such Mortgaged Property into compliance with applicable environmental laws, or to take such action with respect to the containment, clean-up or remediation of hazardous substances, hazardous materials, hazardous wastes or petroleum-based materials affecting any such Mortgaged Property, then the Master Servicer shall take such action as it deems to be in the best economic interest of the Trust Fund. The cost of any such compliance, containment, cleanup or remediation shall be advanced by the Master Servicer, subject to the Master Servicer’s right to be reimbursed therefor from the Collection Account as provided in Section 3.11(a)(ix), such right
of reimbursement being prior to the rights of Certificateholders to receive any amount in the Collection Account received in respect of the affected Mortgage Loan or other Mortgage Loans.

 

(c)  The Master Servicer shall have the right to purchase from the Trust Fund any defaulted Mortgage Loan that is 90 days or more delinquent, which the Master Servicer determines in good faith will otherwise become subject to foreclosure proceedings (evidence of such determination to be delivered in writing to the Trustee and the Trust Administrator, in form and substance satisfactory to the Trustee and the Trust Administrator prior to purchase), at a price equal to the Purchase Price. The Purchase Price for any Mortgage Loan purchased hereunder shall be deposited in the Collection Account, and the Trustee (or a Custodian on behalf of the Trustee), upon receipt of written certification from the Master
Servicer of such deposit, shall release or cause to be released to the Master Servicer the related Mortgage File and the Trustee (or a Custodian on behalf of the Trustee), upon receipt of written certification from the Master Servicer of such deposit, shall execute and deliver such instruments of transfer or assignment, in each case without recourse, as the Master Servicer shall furnish and as shall be necessary to vest in the Master Servicer title to any Mortgage Loan released pursuant hereto.

 

(d)  Proceeds received in connection with any Final Recovery Determination, as well as any recovery resulting from a partial collection of Insurance Proceeds or Liquidation Proceeds, in respect of any Mortgage Loan, will be applied in the following order of priority: first, to reimburse the Master Servicer or any Sub-Servicer for any related unreimbursed Servicing Advances and P&I Advances, pursuant to Section 3.11(a)(ii) or (a)(iii)(B); second, to accrued and unpaid interest on the Mortgage Loan, to the date of the Final Recovery Determination, or to the Due Date prior to the Distribution Date on which such amounts are to be distributed if not in connection with a Final Recovery Determination; and
third, as a recovery of principal of the Mortgage Loan. If the amount of the recovery so allocated to interest is less than the full amount of accrued and unpaid interest due on such Mortgage Loan, the amount of such recovery will be allocated by the Master Servicer as follows: first, to unpaid Servicing Fees; and second, to the balance of the interest then due and owing. The portion of the recovery so allocated to unpaid Servicing Fees shall be reimbursed to the Master Servicer or any Sub-Servicer pursuant to Section 3.11(a)(iii)(A).

 

	SECTION 3.17  	
Trustee to Cooperate; Release of Mortgage Files.

 

(a)  Upon the payment in full of any Mortgage Loan, or the receipt by the Master Servicer of a notification that payment in full shall be escrowed in a manner customary for such purposes, the Master Servicer will immediately notify the Custodian, on behalf of the Trustee, by a certification in the form of Exhibit E (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 Collection Account pursuant to Section 3.10 have been or will be so deposited) of a Servicing Officer and shall request that the Custodian, on behalf of the Trustee, deliver to it the Mortgage File. Upon receipt of
such certification and request, the Custodian, on behalf of the Trustee, shall promptly release the related Mortgage File to the Master Servicer, and the Master Servicer is authorized to cause the removal from the registration on the MERS® System of any such Mortgage, if applicable, and to execute and deliver, on behalf of the Trustee and the Certificateholders or any of them, any and all instruments of satisfaction or cancellation or of partial or full release. No expenses incurred in connection with any instrument of satisfaction or deed of reconveyance shall be chargeable to the Collection Account or the Distribution Account.

 

The Trustee (or a Custodian on its behalf) shall, at the written request and expense of any Certificateholder, provide a written report to such Certificateholder of all Mortgage Files released to the Master Servicer for servicing purposes.

 

(b)  From time to time and as appropriate for the servicing or foreclosure of any Mortgage Loan, including, for this purpose, collection under any Primary Mortgage Insurance Policy or any other insurance policy relating to the Mortgage Loans, the Custodian, on behalf of the Trustee, shall, upon request of the Master Servicer and delivery to the Custodian and the Trustee of a Request for Release in the form of Exhibit E-l, release the related Mortgage File to the Master Servicer, and the Custodian, on behalf of the Trustee, shall, at the direction of the Master Servicer, execute such documents as shall be necessary to the prosecution of any such proceedings. Such Request for Release shall obligate the
Master Servicer to return each and every document previously requested from the Mortgage File to the Custodian when the need therefor by the Master Servicer no longer exists, unless the Mortgage Loan has been liquidated and the Liquidation Proceeds relating to the Mortgage Loan have been deposited in the Collection Account or 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, on behalf of 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. Upon receipt of a certificate of a Servicing Officer stating that such Mortgage Loan was liquidated and that all
amounts received or to be received in connection with such liquidation that are required to be deposited into the Collection Account have been so deposited, or that such Mortgage Loan has become an REO Property, a copy of the Request for Release shall be released by the Custodian, on behalf of the Trustee, to the Master Servicer.

 

(c)  Upon written certification of a Servicing Officer, the Trustee shall execute and deliver to the Master Servicer any court pleadings, requests for trustee’s sale or other documents reasonably 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. Each such certification shall include a request that such pleadings or documents be executed by the Trustee and a statement as to the reason such documents
or pleadings are required and that the execution and delivery thereof by the Trustee will not 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 3.18  	
Servicing Compensation.

 

As compensation for the activities of the Master Servicer hereunder, the Master Servicer shall be entitled to the Servicing Fee with respect to each Mortgage Loan payable solely from payments of interest in respect of such Mortgage Loan, subject to Section 3.24. In addition, the Master Servicer shall be entitled to recover unpaid Servicing Fees out of Insurance Proceeds or Liquidation Proceeds to the extent permitted by Section 3.11(a)(iii)(A) and out of amounts derived from the operation and sale of an REO Property to the extent permitted by Section 3.23. The right to receive the Servicing Fee may not be transferred in whole or in part except in connection with the transfer of all of the Master Servicer’s responsibilities and obligations under this Agreement.

 

Additional servicing compensation in the form of assumption fees, late payment charges and other similar fees and charges shall be retained by the Master Servicer (subject to Section 3.24) only to the extent such fees or charges are received by the Master Servicer. The Master Servicer shall also be entitled pursuant to Section 3.11(a)(iv) to withdraw from the Collection Account, and pursuant to Section 3.23(b) to withdraw from any REO Account, as additional servicing compensation, interest or other income earned on deposits therein, subject to Section 3.12 and Section 3.24. The Master Servicer shall be required to pay all expenses incurred by it in connection with its servicing activities hereunder (including premiums due under any Primary Insurance Policies, if applicable, premiums for the insurance required
by Section 3.14, to the extent such premiums are not paid by the related Mortgagors or by a Sub-Servicer, servicing compensation of each Sub-Servicer, and to the extent provided herein in Section 8.05, the fees and expenses of the Trustee and the Trust Administrator) and shall not be entitled to reimbursement therefor except as specifically provided herein.

 

	SECTION 3.19  	
Reports to the Trust Administrator; Collection Account Statements.

 

Not later than fifteen days after each Distribution Date, the Master Servicer shall forward to the Trust Administrator and the Trustee, upon the request of the Trust Administrator or the Trustee, a statement prepared by the Master Servicer setting forth the status of the Collection Account as of the close of business on the last day of the calendar month relating to such Distribution Date and showing, for the period covered by such statement, the aggregate amount of deposits into and withdrawals from the Collection Account of each category of deposit specified in Section 3.10(a) and each category of withdrawal specified in Section 3.11. Such statement may be in the form of the then current Fannie Mae Monthly Accounting Report for its Guaranteed Mortgage Pass-Through Program with appropriate additions and
changes, and shall also include information as to the aggregate of the outstanding principal balances of all of the Mortgage Loans as of the last day of the calendar month immediately preceding such Distribution Date. Copies of such statement shall be provided by the Trust Administrator to the Certificates Registrar, and the Certificate Registrar shall provide the same to any Certificateholder and to any Person identified to the Certificate Registrar as a prospective transferee of a Certificate, upon the request and at the expense of the requesting party, provided such statement is delivered by the Master Servicer to the Trust Administrator and by the Trust Administrator to the Certificate Registrar.

 

	SECTION 3.20  	
Statement as to Compliance.

 

The Master Servicer shall deliver to the Depositor and the Trust Administrator, on or before March 15th of each calendar year beginning in 2007, an Officers’ Certificate (an “Annual Statement of Compliance”) stating, as to each signatory thereof, that (i) a review of the activities of the Master Servicer during the preceding calendar year and of performance under this Agreement has been made under such officers’ supervision and (ii) to the best of such officers’ knowledge, based on such review, the Master Servicer has fulfilled all of its obligations under this Agreement in all material respects throughout such
year, or, if there has been a failure to fulfill any such obligation in any material respect, specifying each such failure known to such officer and the nature and status of cure provisions thereof. The Master Servicer shall deliver, or cause any Sub-Servicer to deliver, a similar Annual Statement of Compliance by any Sub-Servicer to which any servicing responsibilities have been delegated with respect to the Mortgage Loans, to the Depositor and the Trust Administrator as described above as and when required with respect to the Master Servicer. 

 

If the Master Servicer cannot deliver the related Annual Statement of Compliance by March 15th of such year, the Trustee, at the direction of the Depositor, may permit a cure period for the Master Servicer to deliver such Annual Statement of Compliance, but in no event later than March 18th of such year.

 

Failure of the Master Servicer to comply with this Section 3.20 shall be deemed a Master Servicer Event of Default and the Trustee at the direction of the Depositor shall, in addition to whatever rights the Trustee may have under this Agreement and at law or equity or to damages, including injunctive relief and specific performance, upon notice 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 without compensating the Master Servicer for the same. This paragraph shall supersede any other provision in this Agreement or any other agreement to the contrary. 

 

The Master Servicer shall indemnify and hold harmless the Depositor and its officers, directors and Affiliates from and against any actual losses, damages, penalties, fines, forfeitures, reasonable and necessary legal fees and related costs, judgments and other costs and expenses that such Person may sustain based upon a breach of the Master Servicer’s obligations under this Section 3.20.

 

	SECTION 3.21  	
Assessments of Compliance and Attestation Reports.

 

(a)  The Master Servicer shall service and administer the Mortgage Loans in accordance with all applicable requirements of the Servicing Criteria (as set forth in Exhibit C hereto). The Master Servicer shall deliver to the Depositor and the Trust Administrator or cause to be delivered to the Depositor and the Trust Administrator, on or before March 1st of each calendar year beginning in 2007, the following: 

 

(i)  a report (an “Assessment of Compliance”) regarding the Master Servicer’s assessment of compliance with the Servicing Criteria during the immediately preceding calendar year, as required under Rules 13a-18 and 15d-18 of the Exchange Act and Item 1122 of Regulation AB. Such report shall be signed by an authorized officer of the Master Servicer, and shall address each of the Servicing Criteria set forth in Exhibit C hereto;

 

(ii)  a report (an “Attestation Report”) of a registered public accounting firm reasonably acceptable to the Depositor that attests to, and reports on, the assessment of compliance made by the Master Servicer and delivered pursuant to the preceding paragraph. Such attestation shall be in accordance with Rules 1-02(a)(3) and 2-02(g) of Regulation S-X under the Securities Act and the Exchange Act; 

 

(iii)  from each Sub-Servicer, and each subcontractor determined by the Master Servicer to be “participating in the servicing function” within the meaning of Item 1122 of Regulation AB, an Assessment of Compliance and Attestation Report as and when provided in paragraphs (i) and (ii) of this Section 3.21(a); and

 

(iv)  a statement as to which of the Servicing Criteria, if any, are not applicable to the Master Servicer, which statement shall be based on the activities it performs with respect to asset-backed securities transactions taken as a whole involving the Master Servicer, that are backed by the same asset type as the Mortgage Loans.

 

(b)  As provided in 3.21(a)(iii) above, the Master Servicer shall, or shall cause any Sub-Servicer and each subcontractor determined by the Master Servicer to be “participating in the servicing function” within the meaning of Item 1122 of Regulation AB to, deliver to the Trust Administrator and the Depositor an Assessment of Compliance and Attestation Report as and when provided above.

 

Such Assessment of Compliance, as to any Sub-Servicer, shall at a minimum address each of the Servicing Criteria specified on Exhibit C hereto which are indicated as applicable to any “primary servicer.” Notwithstanding the foregoing, as to any subcontractor, an Assessment of Compliance is not required to be delivered unless it is required as part of a Form 10-K with respect to the Trust Fund.

 

If the Master Servicer cannot deliver any Assessment of Compliance or Attestation Report by March 1st of such year, the Trustee, at the direction of the Depositor, may permit a cure period for the Master Servicer to deliver such Assessment of Compliance or Attestation Report, but in no event later than March 15th of such year.

 

Failure of the Master Servicer to timely comply with this Section 3.21 shall be deemed a Master Servicer Event of Default, and upon the receipt of written notice from the Trustee of such Event of Default, the Trustee at the direction of the Depositor may, in addition to whatever rights the Trustee may have under this Agreement and at law or equity or to damages, including injunctive relief and specific performance, upon notice immediately terminate all the rights and obligations of the Master Servicer under this Agreement and in and to the Mortgage Loans and the proceeds thereof without compensating the Master Servicer for the same. This paragraph shall supercede any other provision in this Agreement or any other agreement to the contrary.

 

The Trust Administrator shall also provide an Assessment of Compliance and Attestation Report, as and when provided above, which shall at a minimum address each of the Servicing Criteria specified on Exhibit C hereto which are indicated as applicable to the Trust Administrator. The Paying Agent, Certificate Registrar and Authenticating Agent shall also provide an Assessment of Compliance and Attestation Report, as and when provided above, which shall at a minimum address each of the Servicing Criteria specified on Exhibit C hereto which are indicated as applicable to the Paying Agent, Certificate Registrar and Authenticating Agent. The Master Servicer shall on behalf of the Trustee enforce the obligations of the Custodian under the Custodial Agreement to provide an Assessment of Compliance and Attestation
Report, as, when and to the extent set forth in the Custodial Agreement.

 

The Master Servicer shall indemnify and hold harmless the Depositor and its officers, directors and Affiliates from and against any actual losses, damages, penalties, fines, forfeitures, reasonable and necessary legal fees and related costs, judgments and other costs and expenses that such Person may sustain based upon a breach of the Master Servicer’s obligations, as applicable, under this Section 3.21. The Trust Administrator shall indemnify and hold harmless the Depositor and its officers, directors and Affiliates from and against any actual losses, damages, penalties, fines, forfeitures, reasonable and necessary legal fees and related costs, judgments and other costs and expenses that such Person may sustain based upon any failure of the Trust Administrator to deliver when required its Assessment of
Compliance and Attestation Report. The Paying Agent, Certificate Registrar and Authenticating Agent shall indemnify and hold harmless the Depositor and its officers, directors and Affiliates from and against any actual losses, damages, penalties, fines, forfeitures, reasonable and necessary legal fees and related costs, judgments and other costs and expenses that such Person may sustain based upon any failure of the Paying Agent, Certificate Registrar and Authenticating Agent to deliver when required its Assessment of Compliance.

 

	SECTION 3.22  	
Access to Certain Documentation.

 

The Master Servicer shall provide to the Office of the Controller of the Currency, the Office of Thrift Supervision, the FDIC, and any other federal or state banking or insurance regulatory authority that may exercise authority over any Certificateholder, access to the documentation regarding the Mortgage Loans required by applicable laws and regulations. Such access shall be afforded without charge, but only upon reasonable request and during normal business hours at the offices of the Master Servicer designated by it. In addition, access to the documentation regarding the Mortgage Loans required by applicable laws and regulations will be provided to such Certificateholder, the Trustee, the Trust Administrator and to any Person identified to the Master Servicer as a prospective transferee of a Certificate,
upon reasonable request during normal business hours at the offices of the Master Servicer designated by it at the expense of the Person requesting such access.

 

	SECTION 3.23  	
Title, Management and Disposition of REO Property.

 

(a)  The deed or certificate of sale of any REO Property shall be taken in the name of the Trustee, or its nominee, in trust for the benefit of the Certificateholders. The Master Servicer, on behalf of the Trust Fund, shall either sell any REO Property before the close of the third taxable year following the year the Trust Fund acquires ownership of such REO Property for purposes of Section 860G(a)(8) of the Code or request from the Internal Revenue Service, no later than 60 days before the day on which the above three-year grace period would otherwise expire, an extension of the above three-year grace period, unless the Master Servicer shall have delivered to the Trustee, the Trust Administrator and the
Depositor an Opinion of Counsel, addressed to the Trustee, the Trust Administrator and the Depositor, to the effect that the holding by the Trust Fund of such REO Property subsequent to the close of the third taxable year after its acquisition will not result in the imposition on the Trust Fund of taxes on “prohibited transactions” thereof, as defined in Section 860F of the Code, or cause any Trust REMIC to fail to qualify as a REMIC under Federal law at any time that any Certificates are outstanding. The Master Servicer shall manage, conserve, protect and operate each REO Property for the Certificateholders solely for the purpose of its prompt disposition and sale in a manner which does not cause such REO Property to fail to qualify as “foreclosure property” within the meaning of Section 860G(a)(8) of the Code or result in the receipt by any Trust REMIC of any “income from non-permitted assets” within the meaning of Section 860F(a)(2)(B) of the Code, or any “net
income from foreclosure property” which is subject to taxation under the REMIC Provisions.

 

(b)  The Master Servicer shall segregate and hold all funds collected and received in connection with the operation of any REO Property separate and apart from its own funds and general assets and shall establish and maintain with respect to REO Properties an account held in trust for the Trustee for the benefit of the Certificateholders (the “REO Account”), which shall be an Eligible Account. The Master Servicer shall be permitted to allow the Collection Account to serve as the REO Account, subject to separate ledgers for each REO Property. The Master Servicer shall be entitled to retain or withdraw any interest income paid on funds deposited in the REO Account.

 

(c)  The Master Servicer shall have full power and authority, subject only to the specific requirements and prohibitions of this Agreement, to do any and all things in connection with any REO Property as are consistent with the manner in which the Master Servicer manages and operates similar property owned by the Master Servicer or any of its Affiliates, all on such terms and for such period as the Master Servicer deems to be in the best interests of Certificateholders. In connection therewith, the Master Servicer shall deposit, or cause to be deposited in the clearing account (which account must be an Eligible Account) in which it customarily deposits payments and collections on mortgage loans in
connection with its mortgage loan servicing activities on a daily basis, and in no event more than two Business Days after the Master Servicer’s receipt thereof, and shall thereafter deposit in the REO Account, in no event more than one Business Day after the deposit of such funds into the clearing account, all revenues received by it with respect to an REO Property and shall withdraw therefrom funds necessary for the proper operation, management and maintenance of such REO Property including, without limitation:

 

(i)  all insurance premiums due and payable in respect of such REO Property;

 

(ii)  all real estate taxes and assessments in respect of such REO Property that may result in the imposition of a lien thereon; and

 

(iii)  all costs and expenses necessary to maintain such REO Property.

 

To the extent that amounts on deposit in the REO Account with respect to an REO Property are insufficient for the purposes set forth in clauses (i) through (iii) above with respect to such REO Property, the Master Servicer shall advance from its own funds such amount as is necessary for such purposes if, but only if, the Master Servicer would make such advances if the Master Servicer owned the REO Property and if in the Master Servicer’s judgment, the payment of such amounts will be recoverable from the rental or sale of the REO Property.

 

Notwithstanding the foregoing, none of the Master Servicer, the Trust Administrator or the Trustee shall:

 

(i)  authorize the Trust Fund to enter into, renew or extend any New Lease with respect to any REO Property, if the New Lease by its terms will give rise to any income that does not constitute Rents from Real Property;

 

(ii)  authorize any amount to be received or accrued under any New Lease other than amounts that will constitute Rents from Real Property;

 

(iii)  authorize any construction on any REO Property, other than the completion of a building or other improvement thereon, and then only if more than ten percent of the construction of such building or other improvement was completed before default on the related Mortgage Loan became imminent, all within the meaning of Section 856(e)(4)(B) of the Code; or

 

(iv)  authorize any Person to Directly Operate any REO Property on any date more than 90 days after its date of acquisition by the Trust Fund;

 

unless, in any such case, the Master Servicer has obtained an Opinion of Counsel, provided to the Trust Administrator and the Trustee, to the effect that such action will not cause such REO Property to fail to qualify as “foreclosure property” within the meaning of Section 860G(a)(8) of the Code at any time that it is held by the Trust Fund, in which case the Master Servicer may take such actions as are specified in such Opinion of Counsel.

 

The Master Servicer may contract with any Independent Contractor for the operation and management of any REO Property, provided that:

 

(i)  the terms and conditions of any such contract shall not be inconsistent herewith;

 

(ii)  any such contract shall require, or shall be administered to require, that the Independent Contractor pay all costs and expenses incurred in connection with the operation and management of such REO Property, including those listed above and remit all related revenues (net of such costs and expenses) to the Master Servicer as soon as practicable, but in no event later than thirty days following the receipt thereof by such Independent Contractor;

 

(iii)  none of the provisions of this Section 3.23(c) relating to any such contract or to actions taken through any such Independent Contractor shall be deemed to relieve the Master Servicer of any of its duties and obligations to the Trustee on behalf of the Certificateholders with respect to the operation and management of any such REO Property; and

 

(iv)  the Master Servicer shall be obligated with respect thereto to the same extent as if it alone were performing all duties and obligations in connection with the operation and management of such REO Property.

 

The Master Servicer shall be entitled to enter into any agreement with any Independent Contractor performing services for it related to its duties and obligations hereunder for indemnification of the Master Servicer by such Independent Contractor, and nothing in this Agreement shall be deemed to limit or modify such indemnification. The Master Servicer shall be solely liable for all fees owed by it to any such Independent Contractor, irrespective of whether the Master Servicer’s compensation pursuant to Section 3.18 is sufficient to pay such fees.

 

(d)  In addition to the withdrawals permitted under Section 3.23(c), the Master Servicer may from time to time make withdrawals from the REO Account for any REO Property: (i) to pay itself or any Sub-Servicer unpaid Servicing Fees in respect of the related Mortgage Loan; and (ii) to reimburse itself or any Sub-Servicer for unreimbursed Servicing Advances and P&I Advances made in respect of such REO Property or the related Mortgage Loan. Any income from the related REO Property received during any calendar months prior to a Final Recovery Determination, net of any withdrawals made pursuant to Section 3.23(c) or this Section 3.23(d), shall be withdrawn by the Master Servicer from each REO Account
maintained by it and remitted to the Paying Agent for deposit into the Distribution Account in accordance with Section 3.10(d)(ii) on the Master Servicer Remittance Date relating to a Final Recovery Determination with respect to such Mortgage Loan, for distribution on the related Distribution Date in accordance with Section 4.01.

 

(e)  Subject to the time constraints set forth in Section 3.23(a), and further subject to obtaining the approval of the insurer under any related Primary Mortgage Insurance Policy (if and to the extent that such approvals are necessary to make claims under such policies in respect of the affected REO Property), each REO Disposition shall be carried out by the Master Servicer at such price and upon such terms and conditions as the Master Servicer shall deem necessary or advisable, as shall be normal and usual in its general servicing activities for similar properties.

 

(f)  The proceeds from the REO Disposition, net of any amount required by law to be remitted to the Mortgagor under the related Mortgage Loan and net of any payment or reimbursement to the Master Servicer or any Sub-Servicer as provided above, shall be remitted to the Paying Agent for deposit in the Distribution Account in accordance with Section 3.10(d)(ii) on the Master Servicer Remittance Date in the month following the receipt thereof for distribution on the related Distribution Date in accordance with Section 4.01. Any REO Disposition shall be for cash only (unless changes in the REMIC Provisions made subsequent to the Startup Day allow a sale for other consideration).

 

(g)  The Master Servicer shall file information returns with respect to the receipt of mortgage interest received in a trade or business, reports of foreclosures and abandonments of any Mortgaged Property and cancellation of indebtedness income with respect to any Mortgaged Property as required by Sections 6050H, 6050J and 6050P of the Code, respectively. 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 3.24  	
Obligations of the Master Servicer in Respect of Prepayment Interest Shortfalls.

 

With respect to each Collateral Pool, the Master Servicer shall deliver to the Paying Agent for deposit into the Distribution Account on or before 12:00 p.m. New York time on the Master Servicer Remittance Date from its own funds (or from a Sub-Servicer’s own funds received by the Master Servicer in respect of Compensating Interest) an amount equal to the lesser of (i) the aggregate of the Prepayment Interest Shortfalls for the related Distribution Date resulting from full or partial Principal Prepayments of each Mortgage Loan included in such Collateral Pool during the related Prepayment Period and (ii) the applicable Compensating Interest Payment for such Mortgage Loans.

 

	SECTION 3.25  	
Obligations of the Master Servicer in Respect of Monthly Payments.

 

In the event that a shortfall in any collection on or liability with respect to any Mortgage Loan results from or is attributable to adjustments to Stated Principal Balances that were made by the Master Servicer in a manner not consistent with the terms of the related Mortgage Note and this Agreement, the Master Servicer, upon discovery or receipt of notice thereof, immediately shall deliver to the Paying Agent for deposit in the Distribution Account from its own funds the amount of any such shortfall and shall indemnify and hold harmless the Trust Fund, the Trustee, the Trust Administrator, the Depositor and any successor master servicer in respect of any such liability. Such indemnities shall survive the termination or discharge of this Agreement. If amounts paid by the Master Servicer with respect to any
Mortgage Loan pursuant to this Section 3.25 are subsequently recovered from the related Mortgagor, the Master Servicer shall be permitted to reimburse itself for such amounts paid by it pursuant to this Section 3.25 from such recoveries.

 

 

 

ARTICLE IV

PAYMENTS TO CERTIFICATEHOLDERS

 

	SECTION 4.01  	
Distributions.

 

(a)  (1) On each Distribution Date, the Paying Agent, in accordance with calculations and determinations made by the Trust Administrator as reflected in the statement to Certificateholders prepared by the Trust Administrator pursuant to Section 4.02, shall withdraw from the Distribution Account an amount equal to the related Group 1 Available Distribution Amount for each Loan Group within Collateral Pool 1. Distributions on each Distribution Date with respect to the Group 1 Certificates will be made to the Holders of the applicable Ceritifcates in the following amounts and order of priority, from the related Available Distribution Amount or related Available Distribution Amounts: 

 

I.  From the Group 1 Available Distribution Amount related to the Group 1-1 Mortgage Loans:

 

	 	
(i)
	
concurrently, to the Holders of the Class 1-A1 Certificates and, on the first distribution date, to the Class 1-R Certificates, the Interest Distribution Amount for each such Class and such Distribution Date, on a pro rata basis based on their respective entitlements to interest pursuant to this clause;

 

	 	
(ii)
	
the Senior Principal Distribution Amount for Loan Group 1-1 and such Distribution Date, first to the Holders of the Class 1-R Certificates and then to the Holders of the Class 1-A1 Certificates, in each case until the Certificate Principal Balance thereof has been reduced to zero;

 

II.  From the Group 1 Available Distribution Amount related to the Group 1-2 Mortgage Loans:

 

	 	
(i)
	
concurrently, to the Holders of the Class 1-A2A Certificates, the Class 1-A2B Certificates and the Class 1-2IO Certificates, the Interest Distribution Amount for each such Class and such Distribution Date, on a pro rata basis based on their respective entitlements to interest pursuant to this clause;

 

	 	
(ii)
	
the Senior Principal Distribution Amount for Loan Group 1-2 and such Distribution Date, concurrently, to the Holders of the Class 1-A2A Certificates and the Class 1-A2B Certificates, on a pro rata basis based on the Certificate Principal Balance of each such Class, in each case until the Certificate Principal Balance thereof has been reduced to zero;

 

III.  From the Group 1 Available Distribution Amount related to the Group 1-3 Mortgage Loans:

 

	 	
(i)
	
concurrently, to the Class 1-A3A Certificates, the Class 1-A3B Certificates and the Class 1-3IO Certificates, the Interest Distribution Amount for each such Class and such Distribution Date, on a pro rata basis based on their respective entitlements to interest pursuant to this clause;

 

	 	
(ii)
	
the Senior Principal Distribution Amount for Loan Group 1-3 and such Distribution Date, concurrently, to the Holders of the Class 1-A3A Certificates and the Class 1-A3B Certificates, on a pro rata basis based on the Certificate Principal Balance of each such Class, in each case until the Certificate Principal Balance thereof has been reduced to zero;

 

IV.  From the Group 1 Available Distribution Amount related to the Group 1-4 Mortgage Loans:

 

	 	
(i)
	
concurrently, to the Class 1-A4A Certificates, the Class 1-A4B Certificates and the Class 1-4IO Certificates, the Interest Distribution Amount for each such Class and such Distribution Date, on a pro rata basis based on their respective entitlements to interest pursuant to this clause;

 

	 	
(ii)
	
the Senior Principal Distribution Amount for Loan Group 1-4 and such Distribution Date, concurrently, to the Holders of the Class 1-A4A Certificates and the Class 1-A4B Certificates, on a pro rata basis based on the Certificate Principal Balance of each such Class, in each case until the Certificate Principal Balance thereof has been reduced to zero;

 

V.  From the sum of the Group 1 Available Distribution Amounts for each Group 1 Loan Group remaining after the above distributions have been made:

 

	 	
(i)
	
to the Holders of the Group 1 Subordinate Certificates, the Interest Distribution Amount for each such Class and such Distribution Date in the following order of priority: first, to the Class 1-B1 Certificates; second, to the Class 1-B2 Certificates; third, to the Class 1-B3 Certificates; fourth, to the Class 1-B4 Certificates; fifth, to the Class 1-B5 Certificates; and sixth, to the Class 1-B6 Certificates, in each case to the extent of the remaining Group 1 Available Distribution Amounts and in each case to the extent of the Interest Distribution Amount for such Class for such Distribution Date;

 

	 	
(ii)
	
to the Holders of the Group 1 Subordinate Certificates, each such Class’s allocable share of the Group 1 Subordinate Principal Distribution Amount for such Distribution Date (calculated in accordance with Section 4.01(b)(i) below), distributable among the Classes of Group 1 Subordinate Certificates in reduction of the Certificate Principal Balances thereof in the following order of priority: first, to the Class 1-B1 Certificates; second, to the Class 1-B2 Certificates; third, to the Class 1-B3 Certificates; fourth, to the Class 1-B4 Certificates; fifth, to the Class 1-B5 Certificates; and sixth, to the Class 1-B6 Certificates, in each case until the Certificate Principal Balance of each such Class is reduced to zero; 

 

	 	
(iii)
	
if such Distribution Date follows the expiration of the latest expiring prepayment charge, penalty or premium on any Group 1 Mortgage Loan remaining in Collateral Pool 1, to the Holders of the Class 1-P Certificates, until the Certificate Principal Balance thereof has been reduced to zero; and

 

	 	
(iv)
	
to the Holders of the Class 1-R Certificates, any remaining amounts.

 

(2)  On each Distribution Date, the Paying Agent, in accordance with calculations and determinations made by the Trust Administrator as reflected in the statement to Certificateholders prepared by the Trust Administrator pursuant to Section 4.02, shall, first, withdraw from the Distribution Account an amount equal to the Credit Risk Manager Fee for such Distribution Date and shall pay such amount to the Credit Risk Manager and, second, withdraw from the Distribution Account an amount equal to the related Group 2 Available Distribution Amount for each Loan Group within Collateral Pool 2. Distributions on each Distribution Date with respect to the Group 2 Certificates will be made to the Holders of the
applicable Certificates in the following amounts and order of priority, from the related Available Distribution Amount or related Available Distribution Amounts:

 

I.  From the Group 2 Available Distribution Amount related to the Group 2-1 Mortgage Loans:

 

	 	
(i)
	
concurrently, to the Holders of the Class 2-A1A Certificates, the Class 2-A1B Certificates and the Class 2-1IO Certificates, the Interest Distribution Amount for each such Class and such Distribution Date, on a pro rata basis based on their respective entitlements to interest pursuant to this clause;

 

	 	
(ii)
	
the Senior Principal Distribution Amount for Loan Group 2-1 and such Distribution Date, concurrently, to the Holders of the Class 2-A1A Certificates and the Class 2-A1B Certificates, on a pro rata basis based on the Certificate Principal Balance of each such Class, in each case until the Certificate Principal Balance thereof has been reduced to zero;

 

II.  From the Group 2 Available Distribution Amount related to the Group 2-2 Mortgage Loans:

 

	 	
(i)
	
concurrently, to the Holders of the Class 2-A2A Certificates, the 2-A2B Certificates and the Class 2-2IO Certificates and, on the first Distribution Date, the Class 2-R Certificates, the Interest Distribution Amount for each such Class and such Distribution Date, on a pro rata basis based on their respective entitlements to interest pursuant to this clause;

 

	 	
(ii)
	
the Senior Principal Distribution Amount for Loan Group 2-2 and such Distribution Date, first, to the Holders of the Class 2-R Certificates and then concurrently, to the Holders of the Class 2-A2A Certificates and the Class 2-A2B Certificates, on a pro rata basis based on the Certificate Principal Balance of each such Class, in each case until the Certificate Principal Balance thereof has been reduced to zero;

 

III.  From the Group 2 Available Distribution Amount related to the Group 2-3 Mortgage Loans:

 

	 	
(i)
	
concurrently, to the Holders of the Class 2-A3A Certificates, the 2-A3B Certificates and the Class 2-3IO Certificates, the Interest Distribution Amount for each such Class and such Distribution Date, on a pro rata basis based on their respective entitlements to interest pursuant to this clause;

 

	 	
(ii)
	
the Senior Principal Distribution Amount for Loan Group 2-3 and such Distribution Date, concurrently, to the Holders of the Class 2-A3A Certificates and the Class 2-A3B Certificates, on a pro rata basis based on the Certificate Principal Balance of each such Class, in each case until the Certificate Principal Balance thereof has been reduced to zero;

 

IV.  From the Group 2 Available Distribution Amount related to the Group 2-4 Mortgage Loans:

 

	 	
(i)
	
concurrently, to the Holders of the Class 2-A4A Certificates, the 2-A4B Certificates and the Class 2-4IO Certificates, the Interest Distribution Amount for each such Class and such Distribution Date, on a pro rata basis based on their respective entitlements to interest pursuant to this clause;

 

	 	
(ii)
	
the Senior Principal Distribution Amount for Loan Group 2-4 and such Distribution Date, concurrently, to the Holders of the Class 2-A4A Certificates and the Class 2-A4B Certificates, on a pro rata basis based on the Certificate Principal Balance of each such Class, in each case until the Certificate Principal Balance thereof has been reduced to zero;

 

V. From the sum of the Group 2 Available Distribution Amounts for each Group 2 Loan Group remaining after the above distributions have been made:

 

	 	
(i)
	
to the Holders of the Group 2 Subordinate Certificates, the Interest Distribution Amount for each such Class and such Distribution Date in the following order of priority: first, to the Class 2-B1 Certificates; second, to the Class 2-B2 Certificates; third, to the Class 2-B3 Certificates; fourth, to the Class 2-B4 Certificates; fifth, to the Class 2-B5 Certificates; and sixth, to the Class 2-B6 Certificates, in each case to the extent of the remaining Group 2 Available Distribution Amounts and in each case to the extent of the Interest Distribution Amount for such Class for such Distribution Date;

 

	 	
(ii)
	
to the Holders of the Group 2 Subordinate Certificates, each such Class’s allocable share of the Group 2 Subordinate Principal Distribution Amount for such Distribution Date (calculated in accordance with Section 4.01(b)(i) below), distributable among the Classes of Group 2 Subordinate Certificates in reduction of the Certificate Principal Balances thereof in the following order of priority: first, to the Class 2-B1 Certificates; second, to the Class 2-B2 Certificates; third, to the Class 2-B3 Certificates; fourth, to the Class 2-B4 Certificates; fifth, to the Class 2-B5 Certificates; and sixth, to the Class 2-B6 Certificates, in each case until the Certificate Principal Balance of each such Class is reduced to zero;

 

	 	
(iii)
	
if such Distribution Date follows the expiration of the latest expiring prepayment charge, penalty or premium on any Group 2 Mortgage Loan remaining in Collateral Pool 2, to the Holders of the Class 2-P Certificates, until the Certificate Principal Balance thereof has been reduced to zero; and 

 

	 	
(iv)
	
to the Holders of the Class 2-R Certificates, any remaining amounts.

 

(3)  On each Distribution Date, all amounts representing prepayment charges, penalties or premiums in respect of the Group 1 Mortgage Loans received during the related Prepayment Period will be withdrawn from the Distribution Account and distributed by the Paying Agent to the Holders of the Class 1-P Certificates, and all amounts representing prepayment charges, penalties or premiums in respect of the Group 2 Mortgage Loans received during the related Prepayment Period will be withdrawn from the Distribution Account and distributed by the Paying Agent to the Holders of the Class 2-P Certificates, and in each case, such amounts shall not be available for distribution to the Holders of any other Class of
Certificates. The payment of the foregoing amounts to the Holders of the Class P Certificates shall not reduce the Certificate Principal Balances thereof.

 

(4)  Immediately prior to the distributions to the Holders of the Certificates on each Distribution Date, any adjustments to the Certificate Principal Balances of the Certificates as required by this paragraph shall be made. For each Collateral Pool, an amount equal to the lesser of (x) the amount of related Subsequent Recoveries included in the related Available Distribution Amounts for such Distribution Date and (y) the aggregate amount of related Realized Losses, other than Excess Bankruptcy Losses, Excess Fraud Losses, Excess Special Hazard Losses and Extraordinary Losses, previously allocated to the related Classes of Certificates and that remain outstanding shall be applied as follows: first, to
increase the Certificate Principal Balances of the related Class of Certificates with the highest payment priority to which such Realized Losses were previously allocated, to the extent of any such Realized Losses previously allocated to such Class of Certificates and remaining “unreimbursed”; second, to increase the Certificate Principal Balances of the related Class of Certificates with the next highest payment priority to which such Realized Losses were previously allocated, to the extent of any such Realized Losses previously allocated to such Class of Certificates and remaining “unreimbursed”; and so forth. For purposes of the foregoing, with respect to any Class of Certificates the amount of previously allocated Realized Losses that have been offset by an increase in Certificate Principal Balances as provided above shall be deemed no longer “unreimbursed”. Holders of any Class of Certificates with respect to which there shall have been a Certificate Principal
Balances increase pursuant to this paragraph will not be entitled to any distribution in respect of interest on the amount of such increase for any Interest Accrual Period preceding the Distribution Date on which such increase occurs. Any such increases shall be applied to the Certificate Principal Balances of each Class of Certificates in accordance with its respective Percentage Interest.

 

All references above to the Certificate Principal Balances of any Class of Certificates shall be to the Certificate Principal Balances of such Class of Certificates prior to the allocation of Extraordinary Trust Fund Expenses and Realized Losses, in each case allocated to such Class of Certificates on such Distribution Date pursuant to Section 4.04.

 

(b)  (i) On each Distribution Date, the aggregate distributions of principal made on such date in respect of the Group 1 Subordinate Certificates pursuant to Section 4.01(a)(1)(V)(ii) above and the aggregate distributions of principal made on such date in respect of the Group 2 Subordinate Certificates pursuant to Section 4.01(a)(2)(V)(ii) above, respectively, shall be applied among the various Classes thereof, in the order of priority within each Collateral Pool from the Class of related Subordinate Certificates with the lowest numerical designation to the Class of related Subordinate Certificates with the highest numerical designation, in each case to the extent of remaining available funds up to the
amount allocable to such Class for such Distribution Date and in each case until the aggregate Certificate Principal Balance of each such Class is reduced to zero, in an amount with respect to each such Class equal to the sum of the following with respect to each Loan Group in such Collateral Pool: (X) the related Class B Percentage of the amounts described in clauses (i) through (v) of clause (ii) (a) of the definition of Subordinate Principal Distribution Amount, (Y) the portion of the amounts described in clauses (ii) (b), (c) and (e) of the definition of Subordinate Principal Distribution Amount allocable to such Class pursuant to Section 4.01(b)(ii) below and (Z) the excess, if any, of the amount required to be distributed to such Class pursuant to this Section 4.01(b)(i) for the immediately preceding Distribution Date, over the aggregate distributions of principal made in respect of such Class of Certificates on such immediately preceding Distribution Date pursuant to Section 4.01 to the extent
that any such excess is not attributable to Realized Losses which were allocated to related Subordinate Certificates with a lower priority pursuant to Section 4.04.

 

(ii)  On any Distribution Date, the amounts with respect to each Group 1 Loan Group described in clauses (ii) (b), (c), and (e) of the definition of Subordinate Principal Distribution Amount, will be allocated on a pro rata basis among the following Classes of Group 1 Subordinate Certificates (each, an “Eligible Class”) in proportion to the respective outstanding Certificate Principal Balances thereof: (i) the Class 1-B1 Certificates, (ii) the Class 1-B2 Certificates, if on such Distribution Date the aggregate percentage
interest in Collateral Pool 1 evidenced by the Class 1-B2 Certificates, the Class 1-B3 Certificates, the Class 1-B4 Certificates, the Class 1-B5 Certificates and the Class 1-B6 Certificates equals or exceeds 1.95% before giving effect to distributions on such Distribution Date, (iii) the Class 1-B3 Certificates, if on such Distribution Date the aggregate percentage interest in Collateral Pool 1 evidenced by the Class 1-B3 Certificates, the Class 1-B4 Certificates, the Class 1-B5 Certificates and the Class 1-B6 Certificates equals or exceeds 1.30% before giving effect to distributions on such Distribution Date, (iv) the Class 1-B4 Certificates, if on such Distribution Date the aggregate percentage interest in Collateral Pool 1 evidenced by the Class 1-B4 Certificates, the Class 1-B5 Certificates and the Class 1-B6 Certificates equals or exceeds 0.80% before giving effect to distributions on such Distribution Date, (v) the Class 1-B5 Certificates, if on such Distribution Date the aggregate percentage
interest in Collateral Pool 1 evidenced by the Class 1-B5 Certificates and the Class 1-B6 Certificates equals or exceeds 0.50% before giving effect to distributions on such Distribution Date and (vi) the Class 1-B6 Certificates, if on such Distribution Date the percentage interest in Collateral Pool 1 evidenced by the Class 1-B6 Certificates equals or exceeds 0.25% before giving effect to distributions on such Distribution Date. If any of the foregoing Certificates is not an Eligible Class, any amounts allocable to principal and distributable pursuant to this Section 4.01(b)(ii) shall be distributed only among the Certificates that are Eligible Classes in the manner set forth above.

 

On any Distribution Date, the amounts with respect to each Group 2 Loan Group described in clauses (ii) (b), (c), and (e) of the definition of Subordinate Principal Distribution Amount will be allocated on a pro rata basis among the following Classes of Group 2 Subordinate Certificates (each, an “Eligible Class”) in proportion to the respective outstanding Certificate Principal Balances thereof: (i) the Class 2-B1 Certificates, (ii) the Class 2-B2 Certificates, if on such Distribution Date the aggregate percentage interest in Collateral Pool 2 evidenced by the Class 2-B2 Certificates, the Class 2-B3 Certificates, the Class 2-B4
Certificates, the Class 2-B5 Certificates and the Class 2-B6 Certificates equals or exceeds 3.70% before giving effect to distributions on such Distribution Date, (iii) the Class 2-B3 Certificates, if on such Distribution Date the aggregate percentage interest in Collateral Pool 2 evidenced by the Class 2-B3 Certificates, the Class 2-B4 Certificates, the Class 2-B5 Certificates and the Class 2-B6 Certificates equals or exceeds 2.50% before giving effect to distributions on such Distribution Date, (iv) the Class 2-B4 Certificates, if on such Distribution Date the aggregate percentage interest in Collateral Pool 2 evidenced by the Class 2-B4 Certificates, the Class 2-B5 Certificates and the Class 2-B6 Certificates equals or exceeds 1.75% before giving effect to distributions on such Distribution Date, (v) the Class 2-B5 Certificates, if on such Distribution Date the aggregate percentage interest in Collateral Pool 2 evidenced by the Class 2-B5 Certificates and the Class 2-B6 Certificates equals or
exceeds 0.85% before giving effect to distributions on such Distribution Date and (vi) the Class 2-B6 Certificates, if on such Distribution Date the percentage interest in Collateral Pool 2 evidenced by the Class 2-B6 Certificates equals or exceeds 0.40% before giving effect to distributions on such Distribution Date. If any of the foregoing Certificates is not an Eligible Class, any amounts allocable to principal and distributable pursuant to this Section 4.01(b)(ii) shall be distributed only among the Certificates that are Eligible Classes in the manner set forth above.

 

Notwithstanding the foregoing, if the application of the foregoing on any Distribution Date as provided in Section 4.01 would result in a distribution in respect of principal to any Class or Classes of Subordinate Certificates in an amount greater than the remaining Certificate Principal Balance thereof (any such Class, a “Maturing Class”) then: (a) the amount to be allocated to each Maturing Class shall be reduced to a level that, when applied as described above, would exactly reduce the Certificate Principal Balance of such Class to zero and (b) the total amount of the reduction in the amount to be allocated to the Maturing Class or Classes shall be allocated among the remaining related Eligible Classes on a pro
rata basis in proportion to the respective outstanding Certificate Principal Balances thereof prior to the allocation thereto of any of the amounts described in the preceding sentence.

 

(c)  All distributions made with respect to each Class of Certificates on each Distribution Date shall be allocated pro rata among the outstanding Certificates in such Class based on their respective Percentage Interests. Payments in respect of each Class of Certificates on each Distribution Date will be made to the Holders of the respective Class of record on the related Record Date (except as otherwise provided in Section 4.01(e) or Section 9.01 respecting the final distribution on such Class), based on the aggregate Percentage
Interest represented by their respective Certificates, and shall be made by wire transfer of immediately available funds to the account of any such Holder at a bank or other entity having appropriate facilities therefor, if such Holder shall have so notified the Paying Agent in writing at least five Business Days prior to the Record Date immediately prior to such Distribution Date and with respect to any Class of Certificates other than the Residual Certificates is the registered owner of Certificates having an initial aggregate Certificate Principal Balance that is in excess of the lesser of (i) $5,000,000 or (ii) two-thirds of the initial Certificate Principal Balance of such Class of Certificates, or otherwise by check mailed by first class mail to the address of such Holder appearing in the Certificate Register. The final distribution on each Certificate will be made in like manner, but only upon presentment and surrender of such Certificate at the Corporate Trust Office of the Certificate
Registrar or such other location specified in the notice to Certificateholders of such final distribution.

 

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 Trust Administrator, the Paying Agent, the Certificate Registrar, the Authenticating Agent, the Depositor or the Master
Servicer shall have any responsibility therefor except as otherwise provided by this Agreement or applicable law.

 

(d)  The rights of the Certificateholders to receive distributions in respect of the Certificates, and all interests of the Certificateholders in such distributions, shall be as set forth in this Agreement. None of the Holders of any Class of Certificates, the Depositor, the Trustee, the Trust Administrator, the Authenticating Agent, the Paying Agent, the Certificate Registrar or the Master Servicer shall in any way be responsible or liable to the Holders of any other Class of Certificates in respect of amounts properly previously distributed on the Certificates.

 

(e)  Except as otherwise provided in Section 9.01, whenever the Trust Administrator expects that the final distribution with respect to any Class of Certificates will be made on the next Distribution Date, the Trust Administrator shall so timely advise the Paying Agent and the Paying Agent shall, no later than five days after the latest related Determination Date, mail on such date to each Holder of such Class of Certificates a notice to the effect that:

 

(i)  the Paying Agent expects 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 Certificate Registrar therein specified,

 

(ii)  no interest shall accrue on such Certificates from and after the end of the related Interest Accrual Period, and

 

(iii)  any funds not distributed to any Holder or Holders of Certificates of such Class on such Distribution Date because of the failure of such Holder or Holders to tender their Certificates shall, on such date, be set aside and held in trust by the Paying Agent and credited to the account of the appropriate non-tendering Holder or Holders. If any Certificates as to which notice has been given pursuant to this Section 4.01(e) shall not have been surrendered for cancellation within six months after the time specified in such notice, the Paying Agent shall mail a second notice to the remaining non-tendering Certificateholders to surrender their Certificates for cancellation in order to receive the final
distribution with respect thereto. If within one year after the second notice all such Certificates shall not have been surrendered for cancellation, the Paying Agent shall, directly or through an agent, mail a final notice to remaining non-tendering Certificateholders concerning surrender of their Certificates and shall continue to hold any remaining funds for the benefit of non-tendering Certificateholders. The costs and expenses of maintaining the funds in trust and of contacting such Certificateholders shall be paid out of the assets remaining in such trust fund. If within one year after the final notice any such Certificates shall not have been surrendered for cancellation, the Paying Agent shall pay to the Citigroup Global Markets Inc. all such amounts, and all rights of non-tendering Certificateholders in or to such amounts shall thereupon cease. No interest shall accrue or be payable to any Certificateholder on any amount held in trust by the Paying Agent as a result of such
Certificateholder’s failure to surrender its Certificate(s) for final payment thereof in accordance with this Section 4.01(e).

 

	SECTION 4.02  	
Statements to Certificateholders.

 

On each Distribution Date, the Trust Administrator shall prepare and make available to the Paying Agent, and the Paying Agent shall make available on its website to each Holder of the Regular Certificates, a statement as to the distributions made on such Distribution Date setting forth: 

 

(i)  the amount of the distribution made on such Distribution Date to the Holders of Certificates of each such Class allocable to principal;

 

(ii)  the amount of the distribution made on such Distribution Date to the Holders of Certificates of each such Class allocable to interest;

 

(iii)  with respect to each Collateral Pool, the aggregate amount of servicing compensation received by the Master Servicer during the related Due Period and such other customary information as the Trust Administrator deems necessary or desirable, or which a Certificateholder reasonably requests, to enable Certificateholders to prepare their tax returns;

 

(iv)  with respect to each Collateral Pool, the aggregate amount of P&I Advances for such Distribution Date;

 

(v)  with respect to each Collateral Pool, the aggregate Stated Principal Balance of the related Mortgage Loans and any related REO Properties at the close of business on such Distribution Date;

 

(vi)  with respect to each Collateral Pool, the number, aggregate principal balance, weighted average remaining term to maturity and weighted average Mortgage Rate of the related Mortgage Loans as of the related Due Date;

 

(vii)  with respect to each Collateral Pool, the number and aggregate unpaid principal balance of related Mortgage Loans that are (a) delinquent 30 to 59 days, (b) delinquent 60 to 89 days, (c) delinquent 90 or more days in each case, as of the last day of the preceding calendar month, (d) as to which foreclosure proceedings have been commenced and (e) with respect to which the related Mortgagor has filed for protection under applicable bankruptcy laws, with respect to whom bankruptcy proceedings are pending or with respect to whom bankruptcy protection is in force (such delinquencies for all purposes in this Agreement as calculated using the MBA method);

 

(viii)  with respect to each Collateral Pool, for any related Mortgage Loan that became an REO Property during the preceding calendar month, the unpaid principal balance and the Stated Principal Balance of such Mortgage Loan as of the date it became an REO Property;

 

(ix)  with respect to each Collateral Pool, the book value and the Stated Principal Balance of any related REO Property as of the close of business on the last Business Day of the calendar month preceding the Distribution Date;

 

(x)  with respect to each Collateral Pool, the aggregate amount of Principal Prepayments made during the related Prepayment Period;

 

(xi)  with respect to each Collateral Pool, the aggregate amount of Realized Losses incurred during the related Prepayment Period (or, in the case of Bankruptcy Losses allocable to interest, during the related Due Period), the aggregate amount of Realized Losses incurred since the Cut-off Date and the aggregate amount of Subsequent Recoveries received during the Prepayment Period and the cumulative amount of Subsequent Recoveries received since the Cut-off Date, in each case separately identifying whether such Realized Losses constituted Fraud Losses, Special Hazard Losses or Bankruptcy Losses;

 

(xii)  with respect to each Collateral Pool, the aggregate amount of Extraordinary Trust Fund Expenses withdrawn from the Collection Account or the Distribution Account for such Distribution Date and to whom such Extraordinary Trust Expenses were paid and for what purpose;

 

(xiii)  the aggregate Certificate Principal Balance of each such Class of Certificates immediately prior to such Distribution Date and after giving effect to the distributions, and allocations of Realized Losses and Extraordinary Trust Fund Expenses made on such Distribution Date, separately identifying any reduction thereof due to allocations of Realized Losses and Extraordinary Trust Fund Expenses;

 

(xiv)  with respect to each Collateral Pool, the aggregate Servicing Fees accrued with respect to the servicing of the Mortgage Loans in such Collateral Pool during such calendar month;

 

(xv)  the Pass-Through Rate Amount in respect of each such Class of Certificates for such Distribution Date and the Interest Distribution Amount in respect of each such Class of Certificates (other than the Class P Certificates) for such Distribution Date and the respective portions thereof, if any, remaining unpaid following the distributions made in respect of such Certificates on such Distribution Date;

 

(xvi)  with respect to each Collateral Pool, the aggregate amount of any Prepayment Interest Shortfalls for such Distribution Date, to the extent not covered by payments by the Master Servicer pursuant to Section 3.24;

 

(xvii)  with respect to each Collateral Pool, the aggregate amount of Relief Act Interest Shortfalls for such Distribution Date;

 

(xviii)  with respect to each Collateral Pool, the then-applicable Bankruptcy Amount, Fraud Loss Amount, and Special Hazard Amount;

 

(xix)  the applicable Record Date for each Class for such Distribution Date; 

 

(xx)  with respect to each Collateral Pool, for any related Mortgage Loan as to which foreclosure proceedings have been concluded, the unpaid principal balance of such Mortgage Loan as of the date of such conclusion of foreclosure proceedings;

 

(xxi)  with respect to each Collateral Pool, for related Mortgage Loans as to which a Final Liquidation has occurred, the number of Mortgage Loans, the unpaid principal balance of such Mortgage Loans as of the date of such Final Liquidation and the amount of proceeds (including Liquidation Proceeds and Insurance Proceeds) collected in respect of such Mortgage Loans; 

 

(xxii)  if applicable, material modifications, extensions or waivers to mortgage loan terms, fees, penalties or payments during the preceding calendar month or that have become material over time; 

 

(xxiii)  whether Realized Losses or delinquencies are at levels such as to prevent scheduled declines in any of the Senior Prepayment Percentages; or

 

(xxiv)  whether any material breaches of loan-level representations and warranties made by the Seller under the Mortgage Loan Purchase Agreement have been discovered by or reported to the Master Servicer, and the dollar amount of any repurchases or substitutions in connection with any such breaches. 

 

In the case of information furnished pursuant to subclauses (i) through (iii) above, the amounts shall also be expressed as a dollar amount per Single Certificate of the relevant Class. 

 

Within a reasonable period of time after the end of each calendar year, the Paying Agent shall forward to each Person (with a copy to the Trust Administrator and the Trustee) who at any time during the calendar year was a Holder of a Regular Certificate a statement containing the information set forth in subclauses (i) through (iii) above, aggregated for such calendar year or applicable portion thereof during which such person was a Certificateholder. Such obligation of the Paying Agent shall be deemed to have been satisfied to the extent that substantially comparable information shall be prepared by the Trust Administrator and provided by the Paying Agent pursuant to any requirements of the Code as from time to time are in force.

 

On each Distribution Date, the Paying Agent shall make available to the Depositor, each Holder of a Residual Certificate, the Trust Administrator, the Credit Risk Manager and the Master Servicer, a copy of the reports forwarded to the Regular Certificateholders on such Distribution Date and a statement setting forth the amounts, if any, actually distributed with respect to the Residual Certificates, respectively, on such Distribution Date.

 

Within a reasonable period of time after the end of each calendar year, the Paying Agent shall forward to each Person (with a copy to the Trust Administrator and the Trustee) who at any time during the calendar year was a Holder of a Residual Certificate a statement setting forth the amount, if any, actually distributed with respect to the Residual Certificates, as appropriate, aggregated for such calendar year or applicable portion thereof during which such Person was a Certificateholder. Such obligation of the Paying Agent shall be deemed to have been satisfied to the extent that substantially comparable information shall be prepared by the Trust Administrator and furnished by the Paying Agent to such Holders pursuant to the rules and regulations of the Code as are in force from time to time.

 

Upon request, the Paying Agent shall forward to each Certificateholder, during the term of this Agreement, such periodic, special, or other reports or information, whether or not provided for herein, as shall be reasonable with respect to the Certificateholder, or otherwise with respect to the purposes of this Agreement, all such reports or information to be provided at the expense of the Certificateholder in accordance with such reasonable and explicit instructions and directions as the Certificateholder may provide. For purposes of this Section 4.02, the Paying Agent’s duties are limited to the extent that the Paying Agent receives timely reports as required from the Trust Administrator and the Master Servicer and that the Trust Administrator receives timely reports as required from the Master
Servicer.

 

On each Distribution Date, the Trust Administrator shall provide Bloomberg Financial Markets, L.P. (“Bloomberg”) (1) CUSIP level factors for each class of Certificates as of such Distribution Date and (2) the number and aggregate unpaid principal balance of Mortgage Loans that are (a) delinquent 30 to 59 days, (b) delinquent 60 to 89 days, (c) delinquent 90 or more days in each case, as of the last day of the preceding calendar month, (d) as to which foreclosure proceedings have been commenced and (e) with respect to which the related Mortgagor has filed for protection under applicable bankruptcy laws, with respect to whom bankruptcy proceedings are pending or with respect to whom bankruptcy protection is in force, in each case using a format and media mutually acceptable to the Trust Administrator
and Bloomberg.

 

	SECTION 4.03  	
Remittance Reports; P&I Advances.

 

(a)  On the second Business Day prior to the related Distribution Date, the Master Servicer shall deliver to the Trust Administrator, the Paying Agent, the Credit Risk Manager and the Trustee by telecopy (or by such other means as the Master Servicer, the Paying Agent and the Trust Administrator and the Trustee may agree from time to time) a Remittance Report with respect to the related Distribution Date. Such Remittance Report will include (i) the amount of P&I Advances to be made by the Master Servicer in respect of the related Distribution Date, the aggregate amount of P&I Advances outstanding after giving effect to such P&I Advances, and the aggregate amount of Nonrecoverable P&I
Advances in respect of such Distribution Date and (ii) such other information with respect to the Mortgage Loans as the Trust Administrator or the Paying Agent may reasonably require to perform the calculations necessary for the Paying Agent to make the distributions contemplated by Section 4.01 and for the Trust Administrator to prepare the statements to Certificateholders contemplated by Section 4.02; provided, however, that if the Master Servicer is not the Trust Administrator, the Master Servicer will forward to the successor Trust Administrator the information set forth in clause (i) above on the next Business Day following the latest related Determination Date and the information set forth in clause (ii) above on the fifth Business Day following the last day of the related calendar month. Neither the Trustee, the Paying Agent nor the Trust Administrator shall be responsible to recompute, recalculate or verify any information provided to it by the Master Servicer.

 

(b)  The amount of P&I Advances to be made by the Master Servicer for any Distribution Date shall equal, subject to Section 4.03(d), the sum of (i) the aggregate amount of Monthly Payments (with each interest portion thereof net of the related Servicing Fee), due on the related Due Date in respect of the Mortgage Loans, which Monthly Payments were delinquent as of the close of business on the related Determination Date and (ii) with respect to each REO Property, which REO Property was acquired during or prior to the related Prepayment Period and as to which such REO Property an REO Disposition did not occur during the related Prepayment Period, an amount equal to the Monthly Payments (with each
interest portion thereof net of the related Servicing Fee) that would have been due on the related Due Date in respect of the related Mortgage Loans.

 

On or before 12:00 p.m. New York time on the Master Servicer Remittance Date, the Master Servicer shall remit in immediately available funds to the Paying Agent for deposit in the Distribution Account an amount equal to the aggregate amount of P&I Advances, if any, to be made in respect of the Mortgage Loans and REO Properties for the related Distribution Date either (i) from its own funds or, if received from a Sub-Servicer, from funds remitted by a Sub-Servicer in payment of required P&I Advances or (ii) from the Collection Account, to the extent of funds held therein for future distribution (in which case, it will cause to be made an appropriate entry in the records of Collection Account that amounts held for future distribution have been, as permitted by this Section 4.03, used by the Master
Servicer in discharge of any such P&I Advance) or (iii) in the form of any combination of (i) and (ii) aggregating the total amount of P&I Advances to be made by the Master Servicer with respect to the Mortgage Loans and REO Properties. Any amounts held for future distribution and so used shall be appropriately reflected in the Master Servicer’s records and replaced by the Master Servicer by deposit in the Collection Account on or before any future Master Servicer Remittance Date to the extent that the Available Distribution Amount for the related Distribution Date (determined without regard to P&I Advances to be made on the Master Servicer Remittance Date) shall be less than the total amount that would be distributed to the Classes of Certificateholders pursuant to Section 4.01 on such Distribution Date if such amounts held for future distributions had not been so used to make P&I Advances. The Trust Administrator will provide notice to the Master Servicer by telecopy by the
close of business on the Master Servicer Remittance Date in the event that the amount remitted by the Master Servicer to the Trust Administrator on such Master Servicer Remittance Date is less than the P&I Advances required to be made by the Master Servicer for the related Distribution Date.

 

(c)  The obligation of the Master Servicer to make such P&I Advances is mandatory, notwithstanding any other provision of this Agreement but subject to (d) below, and, with respect to any Mortgage Loan or REO Property, shall continue until a Final Recovery Determination in connection therewith or the removal thereof from REMIC I-A or REMIC II-A pursuant to any applicable provision of this Agreement, except as otherwise provided in this Section.

 

(d)  Notwithstanding anything herein to the contrary, no P&I Advance shall be required to be made hereunder by the Master Servicer if such P&I Advance would, if made, constitute a Nonrecoverable P&I Advance. The determination by the Master Servicer that it has made a Nonrecoverable P&I Advance or that any proposed P&I Advance, if made, would constitute a Nonrecoverable P&I Advance, shall be evidenced by an Officers’ Certificate of the Master Servicer delivered to the Depositor, the Trust Administrator, the Paying Agent, the Credit Risk Manager and the Trustee. 

 

(e)  If the Master Servicer shall fail to make any P&I Advance on any Master Servicer Remittance Date required to be made from its own funds pursuant to this Section 4.03, then the Paying Agent, by not later than 1:00 p.m. on the related Distribution Date, shall make such P&I advance from its own funds by depositing the amount of such advance into the Distribution Account, and the Trust Administrator and the Paying Agent shall include the amount so advanced by the Paying Agent in the Available Distribution Amount distributed on such Distribution Date. 

 

	SECTION 4.04  	
Allocation of Extraordinary Trust Fund Expenses and Realized Losses.

 

(a)  Prior to each Distribution Date, the Master Servicer shall determine as to each Mortgage Loan and REO Property: (i) the total amount of Realized Losses, if any, incurred in connection with any Final Recovery Determinations made during the related Prepayment Period; (ii) whether and the extent to which such Realized Losses constituted Fraud Losses or Special Hazard Losses; and (iii) the respective portions of such Realized Losses allocable to interest and allocable to principal. Prior to each Distribution Date, the Master Servicer shall also determine as to each Mortgage Loan: (A) the total amount of Realized Losses, if any, incurred in connection with any Deficient Valuations made during the related
Prepayment Period; and (B) the total amount of Realized Losses, if any, incurred in connection with Debt Service Reductions in respect of Monthly Payments due during the related Due Period. The information described in the two preceding sentences that is to be supplied by the Master Servicer shall be evidenced by an Officers’ Certificate delivered to the Trust Administrator, the Paying Agent and the Trustee by the Master Servicer prior to the Determination Date immediately following the end of (x) in the case of Bankruptcy Losses allocable to interest, the Due Period during which any such Realized Loss was incurred, and (y) in the case of all other Realized Losses, the Prepayment Period during which any such Realized Loss was incurred.

 

(b)  Following all distributions to be made pursuant to Section 4.01 on a Distribution Date, all Realized Losses determined by the Master Servicer as described in (a) above on the Mortgage Loans related to each Collateral Pool (other than Excess Losses) shall be allocated by the Paying Agent on each Distribution Date in reverse sequential order to the related Subordinate Certificates, in each case until the Certificate Principal Balance thereof has been reduced to zero. 

 

Thereafter, (i) with respect to Collateral Pool 1, upon the reduction of the Certificate Principal Balances of the related Subordinate Certificates to zero, all such Realized Losses on the Mortgage Loans related to such Collateral Pool (other than Excess Losses) shall be allocated on any Distribution Date to the Class 1-A1 Certificates (if the Realized Loss is on a Group 1-1 Mortgage Loan), to the Class 1-A2A Certificates and the Class 1-A2B Certificates as described below (if the Realized Loss is on a Group 1-2 Mortgage Loan), to the Class 1-A3A Certificates and the Class 1-A3B Certificates as described below (if the Realized Loss is on a Group 1-3 Mortgage Loan) and to the Class 1-A4A Certificates and the Class 1-A4B Certificates as described below (if the Realized Loss is on a Group 1-4 Mortgage Loan) and
(ii) with respect to Collateral Pool 2, upon the reduction of the Certificate Principal Balances of the related Subordinate Certificates to zero, all such Realized Losses on the Mortgage Loans related to such Collateral Pool (other than Excess Losses) shall be allocated on any Distribution Date to the Class 2-A1A Certificates and the Class 2-A1B Certificates as described below (if the Realized Loss is on a Group 2-1 Mortgage Loan), to the Class 2-A2A Certificates and the Class 2-A2B Certificates as described below (if the Realized Loss is on a Group 2-2 Mortgage Loan), to the Class 2-A3A Certificates and the Class 2-A3B Certificates as described below (if the Realized Loss is on a Group 2-3 Mortgage Loan) and to the Class 2-A4A Certificates and the Class 2-A4B Certificates as described below (if the Realized Loss is on a Group 2-4 Mortgage Loan).

Excess Losses on the Group 1 Mortgage Loans incurred during any Prepayment Period will be allocated on the related Distribution Date by allocating (i) the related Group 1 Senior Percentage (related to the Loan Group in which the Mortgage Loan that suffered the Excess Loss is included) of the Excess Loss to the Class 1-A1 Certificates (if the Excess Loss is on a Group 1-1 Mortgage Loan), to the Class 1-A2A Certificates and Class 1-A2B Certificates as described below (if the Excess Loss is on a Group 1-2 Mortgage Loan), to the Class 1-A3A Certificates and Class 1-A3B Certificates as described below (if the Excess Loss is on a Group 1-3 Mortgage Loan), to the Class 1-A4A Certificates and Class 1-A4B Certificates as described below (if the Excess Loss is on a Group 1-4 Mortgage Loan) and (ii) the related Group 1
Subordinate Percentage (related to the Loan Group in which the Mortgage Loan that suffered the Excess Loss is included) of the Excess Loss to the Group 1 Subordinate Certificates on a pro rata basis. 

 

Excess Losses on the Group 2 Mortgage Loans incurred during any Prepayment Period will be allocated on the related Distribution Date by allocating (i) the related Group 2 Senior Percentage (related to the Loan Group in which the Mortgage Loan that suffered the Excess Loss is included) of the Excess Loss to the Class 2-A1A Certificates and Class 2-A1B Certificates as described below (if the Excess Loss is on a Group 2-1 Mortgage Loan), to the Class 2-A2A Certificates and Class 2-A2B Certificates as described below (if the Excess Loss is on a Group 2-2 Mortgage Loan), to the Class 2-A3A Certificates and Class 2-A3B Certificates as described below
(if the Excess Loss is on a Group 2-3 Mortgage Loan), to the Class 2-A4A Certificates and Class 2-A4B Certificates as described below (if the Excess Loss is on a Group 2-4 Mortgage Loan) and (ii) the related Group 2 Subordinate Percentage (related to the Loan Group in which the Mortgage Loan that suffered the Excess Loss is included) of the Excess Loss to the Group 2 Subordinate Certificates on a pro rata basis.

 

Any Extraordinary Trust Fund Expenses relating to Collateral Pool 1 incurred during any Prepayment Period will be allocated on the related Distribution Date as follows: first, to the Class 1-B6 Certificates; second, to the Class 1-B5 Certificates; third, to the Class 1-B4 Certificates; fourth, to the Class 1-B3 Certificates; fifth, to the Class 1-B2 Certificates; and sixth, to the Class 1-B1 Certificates, in each case until the Certificate Principal Balance of such Class has been reduced to zero. Thereafter, any Extraordinary Trust Fund Expenses relating to Collateral Pool 1 will be allocated on any Distribution Date among the Group 1 Class A Certificates on a pro rata basis. Any Extraordinary Trust Fund Expenses relating to Collateral Pool 2 incurred during any Prepayment Period will be allocated on the related Distribution Date as follows: first, to the Class 2-B6 Certificates; second, to the Class 2-B5 Certificates; third, to the Class 2-B4 Certificates; fourth, to the Class 2-B3 Certificates; fifth, to the Class 2-B2 Certificates; and sixth, to the Class 2-B1 Certificates, in each case until the Certificate Principal Balance of such Class has been reduced to zero. Thereafter, the Extraordinary Trust Fund Expenses relating to Collateral Pool 2 will be allocated on any Distribution Date among the Group 2 Class A Certificates on a pro rata basis. 

 

Notwithstanding the foregoing, with respect to Collateral Pool 1, (i) any Excess Loss that is allocated to the Class 1-A2A Certificates and Class 1-A2B Certificates will be allocated between such Classes on a pro rata basis, and any Realized Losses (other than any Excess Losses) allocated to the Class 1-A2A Certificates and Class 1-A2B Certificates will be allocated first to the Class 1-A2B Certificates until the Certificate Principal Balance thereof has been reduced to zero and then to the Class 1-A2A Certificates, (ii) any Excess Loss that is allocated to the Class 1-A3A Certificates and Class 1-A3B Certificates will be allocated between
such Classes on a pro rata basis, and any Realized Losses (other than any Excess Losses) allocated to the Class 1-A3A Certificates and Class 1-A3B Certificates will be allocated first to the Class 1-A3B Certificates until the Certificate Principal Balance thereof has been reduced to zero and then to the Class 1-A3A Certificates and (iii) any Excess Loss that is allocated to the Class 1-A4A Certificates and Class 1-A4B Certificates will be allocated between such Classes on a pro rata basis, and any Realized Losses (other than any Excess Losses) allocated to the Class 1-A4A Certificates and Class 1-A4B Certificates will be allocated first to the Class 1-A4B
Certificates until the Certificate Principal Balance thereof has been reduced to zero and then to the Class 1-A4A Certificates. 

 

Notwithstanding the foregoing, with respect to Collateral Pool 2, (i) any Excess Loss that is allocated to the Class 2-A1A Certificates and Class 2-A1B Certificates will be allocated between such Classes on a pro rata basis; and any Realized Losses (other than any Excess Losses) allocated to the Class 2-A1A Certificates and Class 2-A1B Certificates will be allocated first to the Class 2-A1B Certificates until the Certificate Principal Balance thereof has been reduced to zero and then to the Class 2-A1A Certificates, (ii) any Excess Loss that is allocated to the Class 2-A2A Certificates and Class 2-A2B Certificates will be allocated between
such Classes on a pro rata basis, and any Realized Losses (other than any Excess Losses) allocated to the Class 2-A2A Certificates and Class 2-A2B Certificates will be allocated first to the Class 2-A2B Certificates until the Certificate Principal Balance thereof has been reduced to zero and then to the Class 2-A2A Certificates, (iii) any Excess Loss that is allocated to the Class 2-A3A Certificates and Class 2-A3B Certificates will be allocated between such Classes on a pro rata basis, and any Realized Losses (other than any Excess Losses) allocated to the Class 2-A3A Certificates and Class 2-A3B Certificates will be allocated first to the Class 2-A3B
Certificates until the Certificate Principal Balance thereof has been reduced to zero and then to the Class 2-A3A Certificates and (iv) any Excess Loss that is allocated to the Class 2-A4A Certificates and Class 2-A4B Certificates will be allocated between such Classes on a pro rata basis, and any Realized Losses (other than any Excess Losses) allocated to the Class 2-A4A Certificates and Class 2-A4B Certificates will be allocated first to the Class 2-A4B Certificates until the Certificate Principal Balance thereof has been reduced to zero and then to the Class 2-A4A Certificates.

 

Notwithstanding the method of allocation of Realized Losses and Extraordinary Fund Expenses above, if any overcollateralization exists when Realized Losses or Extraordinary Trust Fund Expenses are to be allocated, such Realized Losses or Extraordinary Trust Fund Expenses will be allocated first to the overcollateralization, until the overcollateralization is reduced to zero, prior to allocating such Realized Losses or Extraordinary Trust Fund Expenses to the Certificates in accordance with the priorities set forth above.

 

As used herein, an allocation of a Realized Loss or Extraordinary Trust Fund Expense 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. 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. Any allocation of a Realized Loss of Extraordinary Trust Fund Expense to a Certificate shall be made by reducing the Certificate Principal Balance thereof by the amount so allocated as of the Distribution Date following the Prepayment Period in which such Realized Loss was incurred.

 

(c)  Notwithstanding anything to the contrary herein, in no event shall the Certificate Principal Balance of a Class A Certificate be reduced more than once in respect of any particular amount both (i) allocable to such Certificate in respect of Realized Losses or Extraordinary Trust Fund Expenses pursuant to Section 4.04 and (ii) payable to the Holder of such Certificate pursuant to Section 4.01(a) as a portion of the Senior Principal Distribution Amount.

 

	SECTION 4.05  	
Compliance with Withholding Requirements.

 

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

 

	SECTION 4.06  	
Commission Reporting.

 

(a)  (i) Within 15 calendar days after each Distribution Date, the Trust Administrator shall, in accordance with industry standards, file with the Commission via the Electronic Data Gathering and Retrieval System (“EDGAR”), a distribution report on Form 10-D, signed by the Master Servicer, with a copy of the monthly statement to be furnished by the Trust Administrator to the Certificateholders for such Distribution Date. Any disclosure in addition to the monthly statement required to be included on the Form 10-D (“Additional Form 10-D Disclosure”) shall be determined and prepared by the entity that is indicated in Exhibit B as the responsible party for providing that information, and
shall be reported by such entity to the Depositor and the Trust Administrator and approved by the Depositor. The Trust Administrator shall have no duty or liability for any failure hereunder to determine or prepare any Additional Form 10-D Disclosure absent such reporting (other than in the case where the Trust Administrator is the reporting party as set forth in Exhibit B) and approval, and the Trust Administrator will have no duty or liability to verify the accuracy or sufficiency of any such Additional Form 10-D Disclosure (except in any case where the Trust Administrator is the responsible party for providing that information pursuant to Exhibit B).

 

Within 5 calendar days after the related Distribution Date (or if not a Business Day, the immediately preceding Business Day), each entity that is indicated in Exhibit B as the responsible party for providing Additional Form 10-D Disclosure shall be required to provide to the Trust Administrator and the Depositor, to the extent known, in EDGAR-compatible format, or in such other form as otherwise agreed upon by the Trust Administrator and the Depositor and such party, and clearly identifying which item of Form 10-D the information relates to, any Additional Form 10-D Disclosure, if applicable. The Trust Administrator shall compile the information provided to it, prepare the Form 10-D and forward the Form 10-D to the Depositor. The Depositor will approve, as to form and substance, or disapprove, as the case may
be, the Additional Form 10-D Disclosure. 

 

After preparing the Form 10-D, the Trust Administrator shall forward electronically a copy of the Form 10-D to the Depositor (in every case where the Form 10-D includes Additional 10-D Disclosure and otherwise if requested by the Depositor) and the Master Servicer for review. Within two Business Days after receipt of such copy, but no later than the 12th calendar day after the Distribution Date (provided that, the Trust Administrator shall have forwarded a copy of the Form 10-D no later than the 10th calendar after the Distribution Date), the Depositor shall notify the Trust Administrator in writing (which may be furnished electronically) of any changes to or approval of such Form 10-D. In the absence of receipt of any written changes or approval, the Trust Administrator shall be entitled to assume that such
Form 10-D is in final form and the Trust Administrator may proceed with arrangements for the execution of, and filing of, the Form 10-D. No later than 2 Business Days prior to the 15th calendar day after the related Distribution Date, a duly authorized officer of the Master Servicer shall sign the Form 10-D and return an electronic or fax copy of such signed Form 10-D (with an original executed hard copy to follow by overnight mail) to the Trust Administrator. If a Form 10-D cannot be filed on time or if a previously filed Form 10-D needs to be amended, the Trust Administrator shall follow the procedures set forth in Section 4.06(a)(v). Once the Form 10-D has been filed with the Commission it will be available through EDGAR at www.sec.gov. The Trust Administrator will provide copies of the report to investors, free of charge, upon request. The parties to this Agreement acknowledge that the performance by the Master Servicer and the Trust Administrator of their respective duties under Sections
4.06(a)(i) and (v) related to the timely preparation, execution and filing of Form 10-D is contingent upon such parties strictly observing all applicable deadlines in the performance of their duties under such Sections. Neither the Master Servicer nor the Trust Administrator shall have any liability for any loss, expense, damage, claim arising out of or with respect to any failure to properly prepare, execute and/or timely file such Form 10-D, where such failure results from the Master Servicer’s or the Trust Administrator’s inability or failure to receive, on a timely basis, any information from any other party hereto needed to prepare, arrange for execution or file such Form 10-D, not resulting from its own negligence, bad faith or willful misconduct.

 

(ii)  Within 4 Business Days after the occurrence of an event requiring disclosure on Form 8-K (each such event, a “Reportable Event”), the Trust Administrator shall prepare and file, at the direction of the Depositor, on behalf of the Trust, any Form 8-K, as required by the Exchange Act; provided that, the Depositor shall file the initial Form 8-K in connection with the issuance of the Certificates. Any disclosure or information related to a Reportable Event or that is otherwise required to be included on Form 8-K (“Form 8-K Disclosure Information”) shall be, pursuant to the paragraph immediately below, reported by the responsible parties set forth on Exhibit B to the Trust
Administrator and the Depositor and approved by the Depositor, and the Trust Administrator will have no duty or liability for any failure hereunder to determine or prepare any Form 8-K absent such reporting (other than in the case where the Trust Administrator is the reporting party as set forth in Exhibit B) and approval.

 

For so long as the Trust is subject to the Exchange Act reporting requirements, no later than 5:00 p.m. New York City time on the 2nd Business Day after the occurrence of a Reportable Event (i) the responsible parties set forth in Exhibit B shall be required pursuant to Section 4.06(a)(iv) below to provide to the Trust Administrator and the Depositor, to the extent known by a responsible officer thereof, in EDGAR-compatible format, or in such other form as otherwise agreed upon by the Trust Administrator and the Depositor and such party, the form and substance of any Form 8-K Disclosure Information, if applicable, and (ii) the Depositor shall approve, as to form and substance, or disapprove, as the case may be, the inclusion of the Form 8-K Disclosure Information on Form 8-K. 

 

After preparing the Form 8-K, the Trust Administrator shall forward electronically a copy of the Form 8-K to the Depositor and the Master Servicer for review. No later than the close of business New York City time on the 3rd Business Day after the Reportable Event, an officer of the Master Servicer shall sign the Form 8-K and, return an electronic or fax copy of such signed Form 8-K (with an original executed hard copy to follow by overnight mail) to the Trust Administrator. Promptly, but no later than the close of business on the 3rd Business Day after the Reportable Event (provided that, the Trust Administrator shall have forwarded a copy of the Form 8-K no later than the 2nd Business Day after the Reportable Event), the Depositor shall notify the Trust Administrator in writing (which may be furnished
electronically) of any changes to or approval of such Form 8-K. In the absence of receipt of any written changes or approval, the Trust Administrator shall be entitled to assume that such Form 8-K is in final form and the Trust Administrator may proceed with arrangements for the execution of, and filing of, the Form 8-K. If a Form 8-K cannot be filed on time or if a previously filed Form 8-K needs to be amended, the Trust Administrator shall follow the procedures set forth in Section 4.06(a)(v). Once the Form 8-K has been filed with the Commission it will be available through EDGAR at www.sec.gov. The Trust Administrator will provide copies of the report to investors, free of charge, upon request. The parties to this Agreement acknowledge that the performance by Master Servicer and the Trust Administrator of their respective duties under this Section 4.06(a)(ii) related to the timely preparation, execution and filing of Form 8-K is contingent upon such parties strictly observing all applicable
deadlines in the performance of their duties under this Section 4.06(a)(ii). Neither the Master Servicer nor the Trust Administrator shall have any liability for any loss, expense, damage, claim arising out of or with respect to any failure to properly prepare, execute and/or timely file such Form 8-K, where such failure results from the Master Servicer’s or the Trust Administrator’s inability or failure to receive, on a timely basis, any information from any other party hereto needed to prepare, arrange for execution or file such Form 8-K, not resulting from its own negligence, bad faith or willful misconduct.

 

(iii)  Within 90 days after the end of each fiscal year of the Trust or such earlier date as may be required by the Exchange Act (the “10-K Filing Deadline”) (it being understood that the fiscal year for the Trust ends on December 31st of each year), commencing in March 2007, the Trust Administrator shall prepare and file on behalf of the Trust a Form 10-K, in form and substance as required by the Exchange Act. Each such Form 10-K shall include the following items, in each case to the extent they have been delivered to the Trust Administrator within the applicable time frames set forth in this Agreement, (I) an Annual Statement of Compliance for the Master Servicer and any Sub-servicer, as
provided under Section 3.20, (II)(A) the Assessments of Compliance for the Master Servicer, each Sub-servicer and subcontractor participating in the servicing function, the Trust Administrator, the Paying Agent and the Custodian, as provided under Section 3.21, and (B) if the Master Servicer’s, any Sub-servicer’s or subcontractor’s participating in the servicing function, the Trust Administrator’s, the Paying Agent’s or the Custodian’s Assessments of Compliance identifies any material instance of noncompliance, disclosure identifying such instance of noncompliance, or if the Master Servicer’s, any Sub-servicer’s or subcontractor’s participating in the servicing function, the Trust Administrator’s, the Paying Agent’s or the Custodian’s Assessments of Compliance is not included as an exhibit to such Form 10-K, disclosure that such report is not included and an explanation why such report is not included, (III)(A) the Attestation Report for the
Master Servicer, each Sub-servicer and subcontractor participating in the servicing function, the Trust Administrator, the Paying Agent and the Custodian, as provided under Section 3.21, and (B) if any Attestation Report rendered as contemplated under Section 3.21 identifies any material instance of noncompliance, disclosure identifying such instance of noncompliance, or if any such Attestation Report is not included as an exhibit to such Form 10-K, disclosure that such report is not included and an explanation why such report is not included, and (IV) a Master Servicer Certification in the form prescribed by Exhibit H (provided, however, that the Trust Administrator, at its discretion, may omit from the Form 10-K any annual compliance statement, assessment of compliance or attestation report that is not required to be filed with such Form 10-K pursuant to Regulation AB). Any disclosure or information in addition to (I) through (IV) above that is required to be included on Form 10-K (“Additional
Form 10-K Disclosure”) shall be, pursuant to the paragraph immediately below, reported by the responsible parties set forth on Exhibit B to the Trust Administrator and the Depositor and approved by the Depositor, and the Trust Administrator will have no duty or liability for any failure hereunder to determine or prepare any Additional Form 10-K Disclosure absent such reporting (other than in the case where the Trust Administrator is the reporting party as set forth in Exhibit B) and approval.

 

No later than March 15th of each year that the Trust is subject to the Exchange Act reporting requirements, commencing in 2007, (A) the responsible parties set forth in Exhibit B shall be required to provide pursuant to Section 4.06(a)(iv) below to the Trust Administrator and the Depositor, to the extent known by a responsible officer thereof, in EDGAR-compatible format, or in such other form as otherwise agreed upon by the Trust Administrator and the Depositor and such party, the form and substance of any Additional Form 10-K Disclosure, if applicable, and (ii) the Depositor will approve, as to form and substance, or disapprove, as the case may be, the inclusion of the Additional Form 10-K Disclosure on Form 10-K. 

 

After preparing the Form 10-K, the Trust Administrator shall forward electronically a copy of the Form 10-K to the Depositor and the Master Servicer for review. Within 3 Business Days after receipt of such copy, but no later than March 25th (provided that, the Trust Administrator forwards a copy of the Form 10-K no later than the 3rd Business Day prior to March 25th), the Depositor shall notify the Trust Administrator in writing (which may be furnished electronically) of any changes to or approval of such Form 10-K. In the absence of receipt of any written changes or approval, the Trust Administrator shall be entitled to assume that such Form 10-K is in final form and the Trust Administrator may proceed with the execution and filing of the Form 10-K. No later than 12:00 p.m. Eastern Standard time on the 4th
Business Day prior to the 10-K Filing Deadline, an officer of the Master Servicer in charge of the master servicing function shall sign the Form 10-K and return an electronic or fax copy of such signed Form 10-K (with an original executed hard copy to follow by overnight mail) to the Trust Administrator. If a Form 10-K cannot be filed on time or if a previously filed Form 10-K needs to be amended, the Trust Administrator will follow the procedures set forth in Section 4.06(a)(v). Once the Form 10-K has been filed with the Commission it will be available through EDGAR at www.sec.gov. The Trust Administrator will provide copies of the report to investors, free of charge, upon request. The parties to this Agreement acknowledge that the performance by the Master Servicer and the Trust Administrator of their respective duties under Sections 4.06(a)(iii) through (v) related to the timely preparation, execution and filing of Form 10-K is contingent upon such parties strictly observing all applicable
deadlines in the performance of their duties under such Sections and under Section 3.20 and Section 3.21. Neither the Master Servicer nor the Trust Administrator shall have any liability for any loss, expense, damage, claim arising out of or with respect to any failure to properly prepare, execute and/or timely file such Form 10-K, where such failure results from the Master Servicer’s or the Trust Administrator’s inability or failure to receive, on a timely basis, any information from any other party hereto needed to prepare, arrange for execution or file such Form 10-K, not resulting from its own negligence, bad faith or willful misconduct.

 

The Master Servicer shall deliver the Master Servicer Certification, executed by an officer of the Master Servicer in charge of the master servicing function, to the Trust Administrator not later than March 15th of each year in which the Trust is subject to the reporting requirements of the Exchange Act. (b) In connection with the filing of any 10-K hereunder, in the case where the Master Servicer and Trust Administrator are not affiliated, the Trust Administrator shall sign a Back-Up Certification substantially in the form of Exhibit I; provided, however, that the Trust Administrator shall not be required to undertake an analysis of any accountant’s
report attached as an exhibit to the Form 10-K.

 

(iv)  With respect to any Additional Form 10-D Disclosure, Additional Form 10-K Disclosure or any Form 8-K Disclosure Information (collectively, the “Additional Disclosure”) relating to the Trust Fund, the Trust Administrator’s obligation to include such Additional Disclosure in the applicable Exchange Act report is subject to receipt from the entity that is indicated in Exhibit B as the responsible party for providing that information, if other than the Trust Administrator, as and when required as described in Section 4.06(a)(i) through (iii) above. Each of the Master Servicer, Sponsor, Trust Administrator and Depositor hereby agrees to notify and provide to the extent known to the Master
Servicer, the Sponsor, the Trust Administrator and the Depositor all Additional Disclosure relating to the Trust Fund, with respect to which such party is indicated in Exhibit B as the responsible party for providing that information. 

 

So long as the Depositor is subject to the filing requirements of the Exchange Act with respect to the Trust Fund, the Trustee shall notify the Trust Administrator and the Depositor of any bankruptcy or receivership with respect to the Trustee or of any proceedings of the type described under Item 1117 of Regulation AB that have occurred as of the related Due Period, together with a description thereof, no later than the date on which such information is required of other parties hereto as set forth under this Section 4.06. In addition, the Trustee shall notify the Trust Administrator and the Depositor of any affiliations or relationships that develop after the Closing Date between the Trustee and the Depositor, the Sponsor, the Trust Administrator, the Master Servicer, the Servicer or the Custodian of the type
described under Item 1119 of Regulation AB, together with a description thereof, no later than the date on which such information is required of other parties hereto as set forth under this Section 4.06.

 

The Master Servicer shall be responsible for determining the pool concentration applicable to any Sub-Servicer to which any of the Master Servicer’s responsibilities with respect to the Mortgage Loans have been delegated at any time, for purposes of disclosure as required by Items 1117 and 1119 of Regulation AB. The Trust Administrator will provide electronic or paper copies of all Form 10-D, 8-K and 10-K filings free of charge to any Certificateholder upon written request. Any expenses incurred by the Trust Administrator in connection with the previous sentence shall be reimbursable to the Trust Administrator out of the Trust Fund.

 

(v)  (A)On or prior to January 30th of the first year in which the Trust Administrator is able to do so under applicable law, the Trust Administrator shall prepare and file a Form 15 relating to the automatic suspension of reporting in respect of the Trust under the Exchange Act. 

 

(B) In the event that the Trust Administrator is unable to timely file with the Commission all or any required portion of any Form 8-K, 10-D or 10-K required to be filed by this Agreement because required disclosure information was either not delivered to it or delivered to it after the delivery deadlines set forth in this Agreement or for any other reason, the Trust Administrator shall promptly notify the Depositor and the Master Servicer. In the case of Form 10-D and 10-K, the Depositor, the Master Servicer and the Trust Administrator shall cooperate to prepare and file a Form 12b-25 and a 10-DA and 10-KA as applicable, pursuant to Rule 12b-25 of the Exchange
Act. In the case of Form 8-K, the Trust Administrator will, upon receipt of all required Form 8-K Disclosure Information and upon the approval and direction of the Depositor, include such disclosure information on the next Form 10-D. In the event that any previously filed Form 8-K, 10-D or 10-K needs to be amended, and such amendment relates to any Additional Disclosure, the Trust Administrator shall notify the Depositor and the parties affected thereby and such parties will cooperate to prepare any necessary Form 8-KA, 10-DA or 10-KA. Any Form 15, Form 12b-25 or any amendment to Form 8-K, 10-D or 10-K shall be signed by a duly authorized officer of the Master Servicer. The parties hereto acknowledge that the performance by the Master Servicer and the Trust Administrator of their respective duties under this Section 4.06(a)(v) related to the timely preparation, execution and filing of Form 15, a Form 12b-25 or any amendment to Form 8-K, 10-D or 10-K is contingent upon the Master Servicer and the
Depositor timely performing their duties under this Section. Neither the Master Servicer nor the Trust Administrator shall have any liability for any loss, expense, damage, claim arising out of or with respect to any failure to properly prepare, execute and/or timely file any such Form 15, Form 12b-25 or any amendments to Form 8-K, 10-D or 10-K, where such failure results from the Master Servicer’s or the Trust Administrator’s inability or failure to receive, on a timely basis, any information from any other party hereto needed to prepare, arrange for execution or file such Form 15, Form 12b-25 or any amendments to Form 8-K, 10-D or 10-K, not resulting from its own negligence, bad faith or willful misconduct.

 

The Depositor agrees to promptly furnish to the Trust Administrator, from time to time upon request, such further information, reports and financial statements within its control related to this Agreement or the Mortgage Loans as the Trust Administrator reasonably deems appropriate to prepare and file all necessary reports with the Commission. The Trust Administrator shall have no responsibility to file any items other than those specified in this Section 4.06; provided, however, the Trust Administrator shall cooperate with the Depositor in connection with any additional filings with respect to the Trust Fund as the Depositor deems necessary under the Exchange Act. Fees and expenses incurred by the Trust Administrator in connection with this Section 4.06 shall not be reimbursable from the Trust
Fund.

 

(b)  Without limiting any other indemnification provided pursuant to any other Section of this Agreement, the Trust Administrator shall indemnify and hold harmless, the Depositor and the Master Servicer and each of their respective officers, directors and affiliates from and against any losses, damages, penalties, fines, forfeitures, reasonable and necessary legal fees and related costs, judgments and other costs and expenses arising out of or based upon a breach of the Trust Administrator’s obligations under Sections 3.21 or 4.06 or the Trust Administrator’s negligence, bad faith or willful misconduct in connection therewith. In addition, the Trust Administrator shall indemnify and hold
harmless the Depositor and each of its officers, directors and affiliates and the Master Servicer from and against any losses, damages, penalties, fines, forfeitures, reasonable and necessary legal fees and related costs, judgments and other costs and expenses that (i) arise out of or are based upon any untrue statement or alleged untrue statement of any material fact contained in any Back-Up Certification, the Assessment of Compliance, any Additional Disclosure or other information provided by the Trust Administrator pursuant to Section 3.21 or 4.06 (the “Trust Administrator Information”), or (ii) arise out of or are based upon the omission or alleged omission to state therein a material fact required to be stated therein or necessary to make the statements therein, in light of the circumstances in which they were made, not misleading; provided, by way of clarification, that clause (ii) of this paragraph shall be construed solely by reference to the Trust Administrator Information and not
to any other information communicated in connection with the Certificates, without regard to whether the Trust Administrator Information or any portion thereof is presented together with or separately from such other information.

 

Without limiting any other indemnification provided pursuant to any other Section of this Agreement, the Master Servicer shall indemnify and hold harmless the Trust Administrator and the Depositor and each of its respective officers, directors and affiliates from and against any losses, damages, penalties, fines, forfeitures, reasonable and necessary legal fees and related costs, judgments and other costs and expenses arising out of or based upon a breach of the obligations of the Master Servicer under Sections 3.20, 3.21 and 4.06 or the Master Servicer’s negligence, bad faith or willful misconduct in connection therewith In addition, the
Master Servicer shall indemnify and hold harmless the Depositor and each of its officers, directors and affiliates from and against any losses, damages, penalties, fines, forfeitures, reasonable and necessary legal fees and related costs, judgments and other costs and expenses arising out of or based upon (i) arise out of or are based upon any untrue statement or alleged untrue statement of any material fact contained in the Master Servicer Certification, the Annual Statement of Compliance, the Assessment of Compliance, any Additional Disclosure or other information provided by the Master Servicer pursuant to Section 3.20, 3.21 or 4.06 (the “Master Servicer Information”), or (ii) arise out of or are based upon the omission or alleged omission to state therein a material fact required to be stated therein or necessary to make the statements therein, in light of the circumstances in which they were made, not misleading; provided, by way of clarification, that clause (ii) of this paragraph
shall be construed solely by reference to the Master Servicer Information and not to any other information communicated in connection with the Certificates, without regard to whether the Master Servicer Information or any portion thereof is presented together with or separately from such other information.

 

In addition, without limiting any other indemnification provided pursuant to any other Section of this Agreement, the Paying Agent shall indemnify and hold harmless the Depositor and its officers, directors and Affiliates from and against any actual losses, damages, penalties, fines, forfeitures, reasonable and necessary legal fees and related costs, judgments and other costs and expenses arising out of third party claims based upon a breach of the Paying Agent’s obligations under Section 4.06. If the indemnification provided for under this paragraph is unavailable or insufficient to hold harmless the Depositor, then the Paying Agent agrees that it shall contribute to the amount paid or payable by the Depositor as a result of the losses, claims, damages or liabilities of the Depositor in such proportion as
is appropriate to reflect the relative fault of the Depositor on the one hand and the Paying Agent on the other. Notwithstanding the foregoing, in no event shall the Paying Agent be liable under this paragraph for any consequential, indirect or punitive damages.

 

	SECTION 4.07  	
Distributions and Allocations of Realized Losses on the REMIC Regular Interests. 

 

With respect to the Group 1 Mortgage Loans

(a)  Interest shall be payable to the REMIC I-A Regular Interests at the REMIC I-A Remittance Rate for each such REMIC I-A Regular Interest on the related Uncertificated Balance.

 

(b)  Distributions of principal shall be deemed to be made from amounts received on the Group 1 Mortgage Loans to the REMIC I-A Regular Interests, first, so as to keep the Uncertificated Balance of each REMIC I-A Regular Interest ending with the designation “B” equal to 1.0% of the aggregate Scheduled Principal Balance of the Mortgage Loans in the related Loan Group; second, to each REMIC I-A Regular Interest ending with the designation “A,” so that the Uncertificated Balance of each such REMIC I-A Regular Interest is equal to 1.0% of the excess of (x) the aggregate Stated Principal Balance of the Mortgage Loans in the related Loan Group over (y) the aggregate Certificate Principal
Balance of the related Senior Certificates, Class 1-R Certificates and Class 1-P Certificates (except that if any such excess is a larger number than in the preceding distribution period, the least amount of principal shall be distributed to such REMIC I-A Regular Interests such that the REMIC I-A Subordinated Balance Ratio is maintained); and third, any remaining principal to REMIC I-A Regular Interest LT-ZZZ.

 

(c)  On each Distribution Date, 100% of the amount paid in respect of Prepayment Charges on the Group 1 Mortgage Loans shall be paid to REMIC I-A Regular Interest LT-P and on the Distribution Date immediately following the expiration of the latest Prepayment Charge on a Group 1 Mortgage Loan, as identified on the Prepayment Charge Schedule, or any Distribution Date thereafter, $100 shall be distributed to REMIC I-A Regular Interest LT-P pursuant to this clause.

 

(d)  Interest shall be payable to the REMIC I-B Regular Interests at the REMIC I-B Remittance Rate for each such REMIC I-B Regular Interest on the related Uncertificated Balance.

 

(e)  Distributions of principal shall be deemed to be made from amounts received on the Group 1 Mortgage Loans to the REMIC I-B Regular Interests to each REMIC I-B Regular Interest in the same manner as such amounts are distributed to the Corresponding Certificate as set forth in Section 4.01 hereof.

 

(f)  Realized Losses on the Group 1 Mortgage Loans shall be applied after all distributions have been made on each Distribution Date first, so as to keep the Uncertificated Balance of each REMIC I-A Regular Interest ending with the designation “B” equal to 1.0% of the aggregate Scheduled Principal Balance of the Mortgage Loans in the related Loan Group; second, to each REMIC I-A Regular Interest ending with the designation “A,” so that the Uncertificated Balance of each such REMIC I-A Regular Interest is equal to 1.0% of the excess of (x) the aggregate Stated Principal Balance of the Mortgage Loans in the related Loan Group over (y) the aggregate Certificate Principal Balance of the
related Senior Certificates, Class 1-R Certificates and Class 1-P Certificates (except that if any such excess is a larger number than in the preceding distribution period, the least amount of Realized Losses shall be applied to such REMIC I-A Regular Interests such that the REMIC I-A Subordinated Balance Ratio is maintained); and third, any remaining Realized Losses on the Mortgage Loans shall be allocated to REMIC I-A Regular Interest LT-ZZZ. Interest shall be payable to the REMIC I-A Regular Interests at the REMIC I-A Remittance Rate for each such REMIC I-A Regular Interest on the related Uncertificated Balance.

 

(g)  Realized Losses on the Group 1 Mortgage Loans shall be allocated to the REMIC I-B Regular Interests in the same manner as such Realized Losses are allocated to the Corresponding Certificate to each REMIC I-B Regular Interest as set forth in Section 4.04 hereof.

 

With respect to the Group 2 Mortgage Loans

(a)  Interest shall be payable to the REMIC II-A Regular Interests at the REMIC II-A Remittance Rate for each such REMIC II-A Regular Interest on the related Uncertificated Balance.

 

(b)  Distributions of principal shall be deemed to be made from amounts received on the Group 2 Mortgage Loans to the REMIC II-A Regular Interests, first, so as to keep the Uncertificated Balance of each REMIC II-A Regular Interest ending with the designation “B” equal to 1.0% of the aggregate Scheduled Principal Balance of the Mortgage Loans in the related Loan Group; second, to each REMIC II-A Regular Interest ending with the designation “A,” so that the Uncertificated Balance of each such REMIC II-A Regular Interest is equal to 1.0% of the excess of (x) the aggregate Stated Principal Balance of the Mortgage Loans in the related Loan Group over (y) the aggregate Certificate Principal
Balance of the related Senior Certificates, Class 2-R Certificates and Class 2-P Certificates (except that if any such excess is a larger number than in the preceding distribution period, the least amount of principal shall be distributed to such REMIC II-A Regular Interests such that the REMIC II-A Subordinated Balance Ratio is maintained); and third, any remaining principal to REMIC II-A Regular Interest LT-ZZZ.

 

(c)  On each Distribution Date, 100% of the amount paid in respect of Prepayment Charges on the Group 2 Mortgage Loans shall be paid to REMIC II-A Regular Interest LT-P and on the Distribution Date immediately following the expiration of the latest Prepayment Charge on a Group 2 Mortgage Loan, as identified on the Prepayment Charge Schedule, or any Distribution Date thereafter, $100 shall be distributed to REMIC II-A Regular Interest LT-P pursuant to this clause.

 

(d)  Interest shall be payable to the REMIC II-B Regular Interests at the REMIC II-B Remittance Rate for each such REMIC II-B Regular Interest on the related Uncertificated Balance.

 

(e)  Distributions of principal shall be deemed to be made from amounts received on the Group 2 Mortgage Loans to the REMIC II-B Regular Interests to each REMIC II-B Regular Interest in the same manner as such amounts are distributed to the Corresponding Certificate as set forth in Section 4.01 hereof.

 

(f)  Realized Losses on the Group 2 Mortgage Loans shall be applied after all distributions have been made on each Distribution Date first, so as to keep the Uncertificated Balance of each REMIC II-A Regular Interest ending with the designation “B” equal to 1.0% of the aggregate Scheduled Principal Balance of the Mortgage Loans in the related Loan Group; second, to each REMIC II-A Regular Interest ending with the designation “A,” so that the Uncertificated Balance of each such REMIC II-A Regular Interest is equal to 1.0% of the excess of (x) the aggregate Stated Principal Balance of the Mortgage Loans in the related Loan Group over (y) the aggregate Certificate Principal Balance of the
related Senior Certificates, Class 2-R Certificates and Class 2-P Certificates (except that if any such excess is a larger number than in the preceding distribution period, the least amount of Realized Losses shall be applied to such REMIC II-A Regular Interests such that the REMIC II-A Subordinated Balance Ratio is maintained); and third, any remaining Realized Losses on the Mortgage Loans shall be allocated to REMIC II-A Regular Interest LT-ZZZ. Interest shall be payable to the REMIC II-A Regular Interests at the REMIC II-A Remittance Rate for each such REMIC II-A Regular Interest on the related Uncertificated Balance.

 

(g)  Realized Losses on the Group 2 Mortgage Loans shall be allocated to the REMIC II-B Regular Interests in the same manner as such Realized Losses are allocated to the Corresponding Certificate to each REMIC II-B Regular Interest as set forth in Section 4.04 hereof.

 

 

 

ARTICLE V

THE CERTIFICATES

 

	SECTION 5.01  	
The Certificates.

 

(a)  The Certificates in the aggregate will represent the entire beneficial ownership interest in the Mortgage Loans and all other assets included in the Trust Fund. At the Closing Date, the aggregate Certificate Principal Balance of the Certificates will equal the aggregate Stated Principal Balance of the Mortgage Loans.

 

The Certificates will be substantially in the forms annexed hereto as Exhibits A-1 through A-38. The Certificates of each Class will be issuable in registered form only, in denominations of authorized Percentage Interests as described in the definition thereof. Each Certificate will share ratably in all rights of the related Class.

 

Upon original issue, the Certificates shall be executed by the Paying Agent and delivered by the Authenticating Agent to or upon the order of the Depositor. The Certificates shall be executed and attested by manual or facsimile signature on behalf of the Paying Agent by an authorized signatory. Certificates bearing the manual or facsimile signatures of individuals who were at any time the proper officers of the Paying Agent shall bind the Paying Agent, notwithstanding that such individuals or any of them have ceased to hold such offices prior to the execution, authentication and delivery of such Certificates or did not hold such offices at the date of such Certificates. No Certificate shall be entitled to any benefit under this Agreement or be valid for any purpose, unless there appears on such Certificate a
certificate of authentication substantially in the form provided herein executed by the Authenticating Agent by manual signature, and such certificate of authentication 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 Book-Entry Certificates shall initially be issued as one or more Certificates held by Book-Entry Custodian or, if appointed to hold such Certificates as provided below, the Depository and 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 Certificate Registrar 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 such Certificates through the book-entry facilities of the Depository and, except as provided below, shall not be entitled
to definitive, fully registered Certificates (“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 only transfer the Ownership Interests in the Book-Entry Certificates of Certificate Owners it represents or of brokerage firms for which it acts as agent in accordance with the Depository’s normal procedures. The Paying Agent is hereby initially appointed as the Book-Entry Custodian and hereby agrees to act as such in accordance herewith and in accordance with the agreement that it has with the Depository authorizing it to act as such. The Book-Entry Custodian may, and if it is no longer qualified to act as such, the Book-Entry Custodian shall, appoint, by a written instrument delivered to the
Depositor, the Master Servicer and the Trust Administrator and any other transfer agent (including the Depository or any successor Depository) to act as Book-Entry Custodian under such conditions as the predecessor Book-Entry Custodian and the Depository or any successor Depository may prescribe, provided that the predecessor Book-Entry Custodian shall not be relieved of any of its duties or responsibilities by reason of any such appointment of other than the Depository. If the Paying Agent resigns or is removed in accordance with the terms hereof, the successor Paying Agent or, if it so elects, the Depository shall immediately succeed to its predecessor’s duties as Book-Entry Custodian. The Depositor shall have the right to inspect, and to obtain copies of, any Certificates held as Book-Entry Certificates by the Book-Entry Custodian.

 

The Trustee, the Trust Administrator, the Master Servicer, the Paying Agent, the Authenticating Agent, the Certificate Registrar and the Depositor may for all purposes (including the making of payments due on the Book-Entry Certificates) deal with the Depository as the authorized representative of the Certificate Owners with respect to the Book-Entry Certificates for the purposes of exercising the rights of Certificateholders hereunder. The rights of Certificate Owners with respect to the 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 the 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 Paying Agent 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 Trust Administrator, the Paying Agent and the Certificate Registrar 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) after the occurrence of a Master Servicer Event of Default, Certificate Owners representing in the aggregate not less than 51% of the Ownership Interests of the Book-Entry Certificates advise the Trust Administrator, the Paying Agent and the Certificate Registrar through the Depository, in writing, that the continuation of a book-entry system through the Depository is no longer in the best interests of the Certificate Owners, the Certificate Registrar 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 Certificate Registrar of the Book- Entry Certificates by the Book-Entry Custodian or the Depository, as applicable, accompanied by registration instructions from the Depository for registration of transfer, the Paying Agent shall issue the Definitive Certificates. Such Definitive Certificates will be issued in minimum denominations of $100,000, except that any beneficial ownership that was represented by a Book-Entry Certificate in an amount less than $100,000 immediately prior to the issuance of a Definitive Certificate shall be issued in a minimum denomination equal to the amount represented by such Book-Entry Certificate. None of the Depositor, the Master Servicer, the Trust Administrator, the Authenticating Agent, the Paying Agent, the Certificate Registrar nor the Trustee shall be liable for any delay in the 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 Depository shall be deemed to be imposed upon and performed by the Certificate Registrar and the Paying Agent, to the extent applicable with respect to such Definitive Certificates, and the Certificate Registrar and the Paying Agent shall recognize the Holders of the Definitive Certificates as Certificateholders hereunder. 

 

	SECTION 5.02  	
Registration of Transfer and Exchange of Certificates.

 

(a)  The Certificate Registrar shall cause to be kept at one of the offices or agencies to be appointed by the Trust Administrator in accordance with the provisions of Section 8.12 a Certificate Register for the Certificates in which, subject to such reasonable regulations as it may prescribe, the Certificate Registrar shall provide for the registration of Certificates and of transfers and exchanges of Certificates as herein provided.

 

(b)  No transfer of any Private Certificate or Ownership Interest therein shall be made unless that transfer is made pursuant to an effective registration statement under the Securities Act of 1933, as amended (the “1933 Act”), and an effective registration or qualification under applicable state securities laws, or is made in a transaction that does not require such registration or qualification. In the event that such a transfer of a Private Certificate is to be made without registration or qualification (other than in connection with the initial transfer of any such Certificate by the Depositor to an affiliate of the Depositor), the Certificate Registrar shall require, receipt of written
certifications from the Certificateholder desiring to effect the transfer and from such Certificateholder’s prospective transferee, substantially in the forms attached hereto as Exhibit F-1, or in the case of any Definitive Certificate, an opinion of Counsel satisfactory to it that such transfer may be made without such registration (which Opinion of Counsel shall not be an expense of the Trust Fund or of the Depositor, the Trustee, the Trust Administrator, the Certificate Registrar, the Authenticating Agent , the Paying Agent, the Master Servicer in its capacity as such or any Sub-Servicer), together with copies of the written certification(s) of the Certificateholder desiring to effect the transfer and/or such Certificateholder’s prospective transferee upon which such Opinion of Counsel is based, if any. In the event of any such transfer of any Ownership Interest in any Private Certificate that is a Book-Entry Certificate, except with respect to the initial transfer of any such Certificate
by the Depositor, such transfer shall be required to be made in reliance upon Rule 144A under the 1933 Act, and the transferor will be deemed to have made each of the representations and warranties set forth on Exhibit F-1 hereto in respect of such interest as if it was evidenced by a Definitive Certificate and the transferee will be deemed to have made each of the representations and warranties set forth on Exhibit F-1 hereto in respect of such interest as if it was evidenced by a Definitive Certificate. None of the Depositor or the Trustee is obligated to register or qualify any such Certificates under the 1933 Act or any other securities laws or to take any action not otherwise required under this Agreement to permit the transfer of such Certificates without registration or qualification. Any Certificateholder desiring to effect the transfer of any such Certificate or Ownership Interest therein shall, and does hereby agree to, indemnify the Trustee, the Trust Administrator, the Certificate
Registrar, the Paying Agent, the Authenticating Agent, the Master Servicer and the Depositor 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. 

 

(c)  (i) No transfer of a Residual Certificate or any interest therein 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 DOL Regulations, as modified by Section 3(42) of ERISA (“Plan Assets”) as certified by such transferee in the form of Exhibit G, unless the Certificate Registrar is provided with an Opinion of Counsel on which the Certificate Registrar, the Depositor, the Trustee, the Trust Administrator, the Paying
Agent, the Authenticating Agent and the Master Servicer may rely, to the effect that the purchase and holding of such Certificates will be permissible under applicable law, ERISA and the Code, will not constitute or result in any non-exempt prohibited transaction under ERISA or Section 4975 of the Code and will not subject the Depositor, the Master Servicer, the Trustee, the Trust Administrator, the Paying Agent, the Authenticating Agent, the Certificate Registrar 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 this Agreement, which Opinion of Counsel shall not be an expense of the Depositor, the Master Servicer, the Trustee, the Trust Administrator, the Paying Agent, the Authenticating Agent, the Certificate Registrar or the Trust Fund. In lieu of such Opinion of Counsel, any prospective Transferee of such Certificates may provide a certification in the form of Exhibit G to this
Agreement (or other form acceptable to the Depositor, the Trustee, the Trust Administrator, the Certificate Registrar, the Paying Agent, the Authenticating Agent and the Master Servicer), which the Certificate Registrar may rely upon without further inquiry or investigation. Neither a certification nor an Opinion of Counsel will be required in connection with the initial transfer of any such Certificate by the Depositor to an Affiliate of the Depositor (in which case, the Depositor or any Affiliate thereof shall have deemed to have represented that such Affiliate is not a Plan or a Person investing Plan Assets) and the Certificate Registrar shall be entitled to conclusively rely upon a representation (which, upon the request of the Certificate Registrar, shall be a written representation) from the Depositor of the status of such transferee as an affiliate of the Depositor. 

 

(ii)  Each beneficial owner of a Subordinate Certificate or Class P Certificate or any interest therein shall be deemed to have represented, by virtue of its acquisition and holding of such Certificate or interest therein, that either (A) it is not a Plan or investing with Plan Assets, (B) other than with respect to a Class P Certificate, Class 1-B4 Certificate, Class 1-B5 Certificate, Class 1-B6 Certificate, Class 2-B4 Certificate, Class 2-B5 Certificate or Class 2-B6 Certificate, it has acquired and is holding such Certificate in reliance on the Underwriter’s Exemption granted by the Department of Labor on April 18, 1991 as Prohibited Transaction Exemption (“PTE”) 91-23 at 56 F.R. 15936
and amended on July 21, 1997 as PTE 97-34 at 62 F.R. 39021 and further amended on November 13, 2000 by PTE 2000-58 at 65 F.R. 67765 and on August 22, 2002 by PTE 2002-41 at 67 F.R. 54487 (“Underwriter’s Exemption”), and that it understands that there are certain conditions to the availability of the Underwriter’s Exemption, including that the certificate must be rated, at the time of purchase, not lower than “BBB-” (or its equivalent) by Fitch, Moody’s or S&P and it will represent that it is an “accredited investor” as defined in Rule 501(a)(1) of Regulation D under the Securities Act and will obtain a representation from any transferee that such transferee is an accredited investor so long as it is required to obtain a representation regarding compliance with the Securities Act, or (C) (i) it is an insurance company, (ii) the source of funds used to acquire or hold the Certificate or interest therein is an “insurance company general account,”
as defined in Prohibited Transaction Class Exemption (“PTCE”) 95-60, and (iii) the conditions in Sections I and III of PTCE 95-60 have been satisfied.

 

(iii)  If any Certificate or any interest therein is acquired or held in violation of the provisions of the preceding two paragraphs, the next preceding permitted beneficial owner will be treated as the beneficial owner of that Certificate retroactive to the date of transfer to the purported beneficial owner. Any purported beneficial owner whose acquisition or holding of any such Certificate or interest therein was effected in violation of the provisions of the preceding two paragraphs shall indemnify and hold harmless the Depositor, the Master Servicer, the Trustee, the Trust Administrator, the Certificate Registrar, the Paying Agent, the Authenticating Agent and the Trust Fund from and against any and
all liabilities, claims, costs or expenses incurred by those parties as a result of that acquisition or holding.

 

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

 

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

 

(B)  In connection with any proposed Transfer of any Ownership Interest in a Residual Certificate, the Certificate Registrar shall require delivery to it and shall not register the Transfer of any Residual Certificate until its receipt of an affidavit and agreement (a “Transfer Affidavit and Agreement”), in the form attached hereto as Exhibit F-2, from the proposed Transferee, in form and substance satisfactory to the Certificate Registrar, representing and warranting, among other things, that such Transferee is a Permitted Transferee, that it is not acquiring its Ownership Interest in the Residual Certificate that is the subject of the proposed Transfer as a nominee, trustee or agent for any
Person that is not a Permitted Transferee, that for so long as it retains its Ownership Interest in a Residual Certificate, it will endeavor to remain a Permitted Transferee, and that it has reviewed the provisions of this Section 5.02(d) and agrees to be bound by them.

 

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

 

(D)  Each Person holding or acquiring any Ownership Interest in a Residual Certificate 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 Residual Certificate and (y) not to transfer its Ownership Interest unless it provides a transferor affidavit (a “Transferor Affidavit”), in the form attached hereto as Exhibit F-2, to the Certificate Registrar stating that, among other things, it has no actual knowledge that such other Person is not a Permitted Transferee.

 

(E)  Each Person holding or acquiring an Ownership Interest in a Residual Certificate, by purchasing an Ownership Interest in such Certificate, agrees to give the Certificate Registrar written notice that it is a “pass-through interest holder” within the meaning of temporary Treasury regulation Section 1.67- 3T(a)(2)(i)(A) immediately upon acquiring an Ownership Interest in a Residual Certificate, if it is, or is holding an Ownership Interest in a Residual Certificate on behalf of, a “pass-through interest holder.”

 

(ii)  The Certificate Registrar will register the Transfer of any Residual Certificate only if it shall have received the Transfer Affidavit and Agreement and all of such other documents as shall have been reasonably required by the Certificate Registrar as a condition to such registration. In addition, no Transfer of a Residual Certificate shall be made unless the Certificate Registrar shall have received a representation letter from the Transferee of such Certificate to the effect that such Transferee is a Permitted Transferee.

 

(iii)  (A) If any purported Transferee shall become a Holder of a Residual Certificate in violation of the provisions of this Section 5.02(d), then the last preceding Permitted Transferee shall be restored, to the extent permitted by law, to all rights as Holder thereof retroactive to the date of registration of such Transfer of such Residual Certificate. The Certificate Registrar shall be under no liability to any Person for any registration of Transfer of a Residual Certificate that is in fact not permitted by this Section 5.02(d) or for making any payments due on such Certificate to the Holder thereof or for taking
any other action with respect to such Holder under the provisions of this Agreement.

 

(B)  If any purported Transferee shall become a Holder of a Residual Certificate in violation of the restrictions in this Section 5.02(d) and to the extent that the retroactive restoration of the rights of the Holder of such Residual Certificate as described in clause (iii)(A) above shall be invalid, illegal or unenforceable, then the Certificate Registrar shall have the right, without notice to the Holder or any prior Holder of such Residual Certificate, to sell such Residual Certificate to a purchaser selected by the Certificate Registrar on such terms as the Certificate Registrar may choose. Such purported Transferee shall promptly endorse and deliver each Residual Certificate in accordance with the
instructions of the Certificate Registrar. Such purchaser may be the Certificate Registrar itself or any Affiliate of the Certificate Registrar. The proceeds of such sale, net of the commissions (which may include commissions payable to the Certificate Registrar or its Affiliates), expenses and taxes due, if any, will be remitted by the Certificate Registrar 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 Certificate Registrar, and the Certificate Registrar shall not be liable to any Person having an Ownership Interest in a Residual Certificate as a result of its exercise of such discretion.

 

(iv)  The Trust Administrator and the Certificate Registrar shall make available to the Internal Revenue Service and those Persons specified by the REMIC Provisions all information necessary to compute any tax imposed (A) as a result of the Transfer of an Ownership Interest in a Residual Certificate to any Person who is a Disqualified Organization, including the information described in Treasury regulations sections 1.860D-1(b)(5) and 1.860E-2(a)(5) with respect to the “excess inclusions” of such Residual Certificate 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 Residual Certificate having as among its record holders at any time any Person which is a Disqualified Organization. Reasonable compensation for providing such information may be accepted by the Trust Administrator and the Certificate Registrar.

 

(v)  The provisions of this Section 5.02(d) set forth prior to this subsection (v) may be modified, added to or eliminated, provided that there shall have been delivered to the Trust Administrator and the Certificate Registrar at the expense of the party seeking to modify, add to or eliminate any such provision the following:

 

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

 

(B)  an Opinion of Counsel, in form and substance satisfactory to the Certificate Registrar and the Trust Administrator, to the effect that such modification of, addition to or elimination of such provisions will not cause any Trust REMIC to cease to qualify as a REMIC and will not cause (x) any Trust REMIC to be subject to an entity-level tax caused by the Transfer of any Residual Certificate to a Person that is not a Permitted Transferee or (y) a Person other than the prospective transferee to be subject to a REMIC-tax caused by the Transfer of a Residual Certificate to a Person that is not a Permitted Transferee.

 

(e)  Subject to the preceding subsections, upon surrender for registration of transfer of any Certificate at any office or agency of the Certificate Registrar maintained for such purpose pursuant to Section 8.12, the Certificate Registrar shall give notice of such surrender to the Paying Agent and the Authenticating Agent. Upon receipt of such notice, the Paying Agent shall execute and the Authenticating Agent shall authenticate and deliver, in the name of the designated Transferee or Transferees, one or more new Certificates of the same Class of a like aggregate Percentage Interest.

 

(f)  At the option of the Holder thereof, any Certificate may be exchanged for other Certificates of the same Class with authorized denominations and a like aggregate Percentage Interest, upon surrender of such Certificate to be exchanged at any office or agency of the Certificate Registrar maintained for such purpose pursuant to Section 8.12. Whenever any Certificates are so surrendered for exchange, upon notice from the Certificate Registrar, the Paying Agent shall execute, and the Authenticating Agent shall authenticate and deliver, the Certificates which the Certificateholder making the exchange is entitled to receive. Every Certificate presented or surrendered for transfer or exchange shall (if so
required by the Certificate Registrar) be duly endorsed by, or be accompanied by a written instrument of transfer in the form satisfactory to the Certificate Registrar duly executed by, the Holder thereof or his attorney duly authorized in writing.

 

(g)  No service charge to the Certificateholders shall be made for any transfer or exchange of Certificates, but the Certificate Registrar 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 canceled and destroyed by the Certificate Registrar in accordance with its customary procedures.

 

	SECTION 5.03  	
Mutilated, Destroyed, Lost or Stolen Certificates.

 

If (i) any mutilated Certificate is surrendered to the Certificate Registrar, or the Certificate Registrar receive evidence to its satisfaction of the destruction, loss or theft of any Certificate, and (ii) there is delivered to the Certificate Registrar, the Trustee and the Trust Administrator such security or indemnity as may be required by them to save each of them harmless, then, in the absence of actual knowledge by the Certificate Registrar that such Certificate has been acquired by a bona fide purchaser, the Paying Agent shall execute, and the Authenticating Agent shall authenticate and deliver, in exchange for or in lieu of any such mutilated, destroyed, lost or stolen Certificate, a new Certificate of the same Class and of like denomination and Percentage Interest. Upon the issuance of any new
Certificate under this Section, the Certificate Registrar 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 Certificate Registrar) connected therewith. Any replacement Certificate issued pursuant to this Section shall constitute complete and indefeasible evidence of ownership in the applicable REMIC created hereunder, 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.

 

The Depositor, the Master Servicer, the Trustee, the Trust Administrator, the Certificate Registrar, the Authenticating Agent, the Paying Agent and any agent of any of them may treat the Person in whose name any Certificate is registered as the owner of such Certificate for the purpose of receiving distributions pursuant to Section 4.01 and for all other purposes whatsoever, and none of the Depositor, the Master Servicer, the Trustee, the Trust Administrator, the Certificate Registrar, the Authenticating Agent, the Paying Agent or any agent of any of them shall be affected by notice to the contrary.

 

	SECTION 5.05  	
Certain Available Information.

 

The Paying Agent shall maintain at its Corporate Trust Office and shall make available free of charge during normal business hours for review by any Holder of a Certificate or any Person identified to the Paying Agent as a prospective transferee of a Certificate, originals or copies of the following items: (A) this Agreement and any amendments hereof entered into pursuant to Section 11.01, (B) all monthly statements required to be delivered to Certificateholders of the relevant Class pursuant to Section 4.02 since the Closing Date, and all other notices, reports, statements and written communications delivered to the Certificateholders of the relevant Class pursuant to this Agreement since the Closing Date, (C) all certifications delivered by a Responsible Officer of the Trust Administrator since the Closing
Date pursuant to Section 10.01(h), (D) any and all Officers’ Certificates delivered to the Trust Administrator or the Paying Agent by the Master Servicer since the Closing Date to evidence the Master Servicer’s determination that any P&I Advance was, or if made, would be a Nonrecoverable P&I Advance and (E) any and all Officers’ Certificates delivered to the Trust Administrator or the Paying Agent by the Master Servicer since the Closing Date pursuant to Section 4.04(a). Copies and mailing of any and all of the foregoing items will be available from the Paying Agent upon request at the expense of the person requesting the same.

 

 

 

ARTICLE VI

THE DEPOSITOR AND THE MASTER SERVICER

 

	SECTION 6.01  	
Liability of the Depositor and the Master Servicer.

 

The Depositor and the Master Servicer each shall be liable in accordance herewith only to the extent of the obligations specifically imposed by this Agreement and undertaken hereunder by the Depositor and the Master Servicer herein.

 

	SECTION 6.02  	
Merger or Consolidation of the Depositor or the Master Servicer.

 

Subject to the following paragraph, the Depositor will keep in full effect its existence, rights and franchises as a corporation under the laws of the jurisdiction of its incorporation. Subject to the following paragraph, the Master Servicer will keep in full effect its existence, rights and franchises as a corporation under the laws of the jurisdiction of its incorporation and its qualification as an approved conventional seller/servicer for Fannie Mae or Freddie Mac in good standing. The Depositor and the Master Servicer each will 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.

 

The Depositor or the Master Servicer may be merged or consolidated with or into any Person, or transfer all or substantially all of its assets to any Person, in which case any Person 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 the
Rating Agencies’ ratings of the Certificates rated thereby and 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 the Rating Agencies).

 

	SECTION 6.03  	
Limitation on Liability of the Depositor, the Master Servicer and Others.

 

None of the Depositor, the Master Servicer or 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, representations or covenants made herein, or against any specific liability imposed on the Master Servicer pursuant hereto, or against any liability which would otherwise be imposed by reason of willful misfeasance, bad faith or 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 which, PRIMA FACIE, is 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 and held harmless by the Trust Fund 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 to any specific Mortgage Loan or Mortgage Loans (except as any such loss, liability or expense shall be otherwise reimbursable pursuant to this Agreement) or any loss, liability or expense incurred by reason of willful misfeasance, bad faith or 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 action unless such action is related to its respective duties under this Agreement and, in its opinion, does not involve it in any expense or liability; provided, however, that each of the Depositor and the Master Servicer may in its discretion undertake any such action which it may deem necessary or desirable with respect to this Agreement and the rights and duties of the parties hereto and the interests of the Certificateholders hereunder. In such event, unless the Depositor or the Master Servicer acts without the consent of Holders of Certificates entitled to at least 51% of the Voting Rights (which consent shall not be necessary in the case of litigation or other legal action by either to enforce their respective rights or defend themselves hereunder), the legal expenses and costs of such action and any liability resulting therefrom (except any loss, liability or
expense incurred by reason of willful misfeasance, bad faith or negligence in the performance of duties hereunder or by reason of reckless disregard of obligations and duties hereunder) shall be expenses, costs and liabilities of the Trust Fund, and the Depositor (subject to the limitations set forth above) and the Master Servicer shall be entitled to be reimbursed therefor from the Collection Account as and to the extent provided in Section 3.11, any such right of reimbursement being prior to the rights of the Certificateholders to receive any amount in the Collection Account.

 

	SECTION 6.04  	
Limitation on Resignation of the Master Servicer.

 

The Master Servicer shall not resign from the obligations and duties hereby imposed on it except (i) upon determination that its duties hereunder are no longer permissible under applicable law or (ii) with the written consent of the Trustee and the Trust Administrator, which consent may not be unreasonably withheld, with written confirmation from the Rating Agencies (which confirmation shall be furnished to the Depositor, the Trustee and the Trust Administrator) that such resignation will not cause the Rating Agencies to reduce the then current rating of the Class A Certificates and provided that a qualified successor has agreed to assume the duties and obligations of the Master Servicer hereunder. Any such determination pursuant to clause (i) of the preceding sentence permitting the resignation of the Master
Servicer shall be evidenced by an Opinion of Counsel to such effect obtained at the expense of the Master Servicer and delivered to the Trustee and the Trust Administrator. No resignation of the Master Servicer shall become effective until the Trustee or a successor servicer shall have assumed the Master Servicer’s responsibilities, duties, liabilities (other than those liabilities arising prior to the appointment of such successor) and obligations under this Agreement.

 

Except as expressly provided herein, the Master Servicer shall not assign nor transfer any of its rights, benefits or privileges hereunder to any other Person, nor delegate to or subcontract with, nor authorize or appoint any other Person to perform any of the duties, covenants or obligations to be performed by the Master Servicer hereunder. If, pursuant to any provision hereof, the duties of the Master Servicer are transferred to a successor master servicer, the entire amount of the Servicing Fee and other compensation payable to the Master Servicer pursuant hereto shall thereafter be payable to such successor master servicer.

 

	SECTION 6.05  	
Rights of the Depositor in Respect of the Master Servicer.

 

The Master Servicer shall afford (and any Sub-Servicing Agreement shall provide that each Sub-Servicer shall afford) the Depositor, the Trustee and the Trust Administrator, upon reasonable notice, during normal business hours, access to all records maintained by the Master Servicer (and any such Sub-Servicer) in respect of the Master Servicer’s rights and obligations hereunder and access to officers of the Master Servicer (and those of any such Sub-Servicer) responsible for such obligations. Upon request, the Master Servicer shall furnish to the Depositor, the Trustee and the Trust Administrator its (and any such Sub-Servicer’s) most recent financial statements of the parent company of the Master Servicer and such other information relating to the Master Servicer’s capacity to perform its
obligations under this Agreement that it possesses. Notwithstanding the foregoing, in the case of each Initial Sub-Servicer, such access and information described in the preceding two sentences shall be required to be provided only to the extent provided in the Sub-Servicing Agreement. To the extent such information is not otherwise available to the public, the Depositor, the Trustee and the Trust Administrator shall not disseminate any information obtained pursuant to the preceding two sentences without the Master Servicer’s written consent, except as required pursuant to this Agreement or to the extent that it is appropriate to do so (i) in working with legal counsel, auditors, taxing authorities or other governmental agencies, rating agencies or reinsurers or (ii) pursuant to any law, rule, regulation, order, judgment, writ, injunction or decree of any court or governmental authority having jurisdiction over the Depositor, the Trustee, the Trust Administrator or the Trust Fund, and in either
case, the Depositor, the Trustee or the Trust Administrator, as the case may be, shall use its best efforts to assure the confidentiality of any such disseminated non-public information. The Depositor may, but is not obligated to, enforce the obligations of the Master Servicer under this Agreement and may, but is not obligated to, perform, or cause a designee to perform, any defaulted obligation of the Master Servicer under this Agreement or exercise the rights of the Master Servicer under this Agreement; provided that the Master Servicer shall not be relieved of any of its obligations under this Agreement 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.

 

	SECTION 6.06  	
Duties of the Credit Risk Manager.

 

For and on behalf of the Trust, the Credit Risk Manager will provide reports and recommendations concerning certain delinquent and defaulted Group 2 Mortgage Loans, and as to the collection of any Prepayment Charges with respect to the Group 2 Mortgage Loans. Such reports and recommendations will be based upon information provided to the Credit Risk Manager pursuant to the respective Credit Risk Management Agreement, and the Credit Risk Manager shall look solely to the related Initial Sub-Servicers and/or the Master Servicer for all information and data (including loss and delinquency information and data) relating to the servicing of the related Mortgage Loans. Upon any termination of the Credit Risk Manager or the appointment of a successor Credit Risk Manager, the Depositor shall give written notice thereof
to the Initial Sub-Servicers, the Master Servicer, the Trustee, the Trust Administrator and each Rating Agency. Notwithstanding the foregoing, the termination of the Credit Risk Manager pursuant to this Section shall not become effective until the appointment of a successor Credit Risk Manager.

 

	SECTION 6.07  	
Limitation Upon Liability of the Credit Risk Manager.

 

Neither the Credit Risk Manager, nor any of its directors, officers, employees, or agents shall be under any liability to the Trustee, the Certificateholders, the Master Servicer, the Trust Administrator or the Depositor for any action taken or for refraining from the taking of any action made in good faith pursuant to this Agreement, in reliance upon information provided by the related Initial Sub-Servicer under the related Credit Risk Management Agreement, or for errors in judgment; provided, however, that this provision shall not protect the Credit Risk Manager or any such person against liability that would otherwise be imposed by reason of willful malfeasance or bad faith in its performance of its duties. The Credit Risk Manager and any director, officer, employee, or agent of the Credit Risk Manager 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, and may rely in good faith upon the accuracy of information furnished by the related Initial Sub-Servicer pursuant to the applicable Credit Risk Management Agreement in the performance of its duties thereunder and hereunder.

 

	SECTION 6.08  	
Removal of the Credit Risk Manager.

 

The Credit Risk Manager may be removed as Credit Risk Manager by Certificateholders holding not less than 66 2/3% of the Voting Rights in the Trust Fund, in the exercise of its or their sole discretion. The Certificateholders shall provide written notice of the Credit Risk Manager’s removal to the Trust Administrator. Upon receipt of such notice, the Trust Administrator shall provide written notice to the Credit Risk Manager of its removal, which shall be effective upon receipt of such notice by the Credit Risk Manager.

 

 

ARTICLE VII

DEFAULT

 

	SECTION 7.01  	
Master Servicer Events of Default.

 

“Master Servicer Event of Default,” wherever used herein, means any one of the following events:

 

(i)  (A) any failure by the Master Servicer to remit to the Paying Agent for distribution to the Certificateholders any payment (other than a P&I Advance required to be made from its own funds on any Master Servicer Remittance Date pursuant to Section 4.03) required to be made under the terms of the Certificates and this Agreement which continues unremedied for a period of one Business Day after the date upon which written notice of such failure, requiring the same to be remedied, shall have been given to the Master Servicer (with a copy to the Paying Agent ) by the Depositor, the Trust Administrator or the Trustee
(in which case notice shall be provided by telecopy), or to the Master Servicer, the Depositor, the Trust Administrator, the Paying Agent and the Trustee by the Holders of Certificates entitled to at least 25% of the Voting Rights; or (B) any deemed Master Servicer Event of Default caused by a failure by the Master Servicer to timely comply with its obligations under Section 3.19 or Section 3.20 or Section 4.06, taking into account any cure period allowed by the Trustee at the direction of the Depositor that may be provided under such sections; or

 

(ii)  any failure on the part of the Master Servicer duly to observe or perform in any material respect any of the covenants or agreements on the part of the Master Servicer contained in the Certificates or in this Agreement which continues unremedied for a period of 30 days after the earlier of (i) 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 Depositor, the Trust Administrator or the Trustee, or to the Master Servicer, the Depositor, the Trust Administrator and the Trustee by the Holders of Certificates entitled to at least 25% of the Voting Rights and (ii) actual knowledge of such failure by a Servicing Officer
of the Master Servicer; 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 the appointment of a conservator or receiver or liquidator in any insolvency, readjustment of debt, marshalling of assets and liabilities or similar proceeding, or for the winding-up or liquidation of its affairs, shall have been entered against the Master Servicer and if such proceeding is being contested by the Master Servicer in good faith such decree or order shall have remained in force undischarged or unstayed for a period of 60 consecutive days or results in the entry of an order for
relief or any such adjudication or appointment; 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 its property; 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 any applicable insolvency or reorganization statute, make an assignment for the benefit of its creditors, or voluntarily suspend payment of its obligations; or

 

(vi)  any failure of the Master Servicer to make, or of the Paying Agent to make on behalf of the Master Servicer, any P&I Advance on any Master Servicer Remittance Date required to be made from its own funds pursuant to Section 4.03.

 

If a Master Servicer Event of Default described in clauses (i) through (v) of this Section shall occur, then, and in each and every such case, so long as such Master Servicer Event of Default shall not have been remedied, the Depositor or the Trustee may, and at the written direction of the Holders of Certificates entitled to at least 51% of Voting Rights, the Trustee shall, by notice in writing to the Master Servicer (and to the Depositor if given by the Trustee or to the Trustee if given by the Depositor), terminate all of the rights and obligations of the Master Servicer in its capacity as a Master Servicer under this Agreement, to the extent permitted by law, and in and to the Mortgage Loans and the proceeds thereof. If a Master Servicer Event of Default described in clause (vi) hereof shall occur and shall
not have been remedied by 1:00 p.m. on the related Distribution Date, the Paying Agent shall notify the Trustee of the same, and the Trustee shall be obligated to make such P&I Advance and, then so long as such Master Servicer Event of Default shall not have been remedied during the applicable time period set forth in clause (vi) above (including the reimbursement to the Trustee by the Master Servicer, with interest thereon at the Prime Rate, for any P&I Advance made), the Trustee shall, by notice in writing to the Master Servicer and the Depositor, terminate all of the rights and obligations of the Master Servicer in its capacity as a Master Servicer under this Agreement and in and to the Mortgage Loans and the proceeds thereof. 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 of any Certificate) or the Mortgage Loans or otherwise, shall
pass to and be vested in the Trustee pursuant to and under this Section and, without limitation, the Trustee is hereby authorized and empowered, as attorney-in-fact or otherwise, to execute and deliver on behalf of and at the expense of the Master Servicer, 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, at its sole cost and expense, promptly (and in any event no later than ten Business Days subsequent to such notice) to provide the Trustee with all documents and records requested by it to enable it to assume the Master Servicer’s functions under this Agreement, and to cooperate with the Trustee in effecting the termination of the Master Servicer’s responsibilities and rights under this Agreement, including, without
limitation, the transfer within one Business Day to the Trustee for administration by it of all cash amounts which at the time shall be or should have been credited by the Master Servicer to the Collection Account held by or on behalf of the Master Servicer, the Distribution Account or any REO Account or Servicing Account held by or on behalf of the Master Servicer or thereafter be received with respect to the Mortgage Loans or any REO Property serviced by the Master Servicer (provided, however, that the Master Servicer shall continue to be entitled to receive all amounts accrued or owing to it under this Agreement on or prior to the date of such termination, whether in respect of P&I Advances or otherwise, and shall continue to be entitled to the benefits of Section 6.03, notwithstanding any such termination, with respect to events occurring prior to such termination). For purposes of this Section 7.01, the Trustee shall not be deemed to have knowledge of a Master Servicer Event of Default unless
a Responsible Officer of the Trustee assigned to and working in the Trustee’s Corporate Trust Office has actual knowledge thereof or unless written notice of any event which is in fact such a Master Servicer Event of Default is received by the Trustee and such notice references the Certificates, the Trust Fund or this Agreement.

 

	SECTION 7.02  	
Trustee to Act; Appointment of Successor.

 

(a)  On and after the time the Master Servicer receives a notice of termination, the Trustee shall be the successor in all respects to the Master Servicer in its capacity as Master Servicer under this Agreement, the Master Servicer shall not have the right to withdraw any funds from the Collection Account without the consent of the Trustee and the transactions set forth or provided for herein and shall be subject to all the responsibilities, duties and liabilities relating thereto and arising thereafter placed on the Master Servicer (except for any representations or warranties of the Master Servicer under this Agreement, the responsibilities, duties and liabilities contained in Section 2.03(c) and its
obligation to deposit amounts in respect of losses pursuant to Section 3.12) by the terms and provisions hereof including, without limitation, the Master Servicer’s obligations to make P&I Advances pursuant to Section 4.03; provided, however, that if the Trustee is prohibited by law or regulation from obligating itself to make advances regarding delinquent mortgage loans, then the Trustee shall not be obligated to make P&I Advances pursuant to Section 4.03; and provided further, that any failure to perform such duties or responsibilities caused by the Master Servicer’s failure to provide information required by Section 7.01 shall not be considered a default by the Trustee as successor to the Master Servicer hereunder. As compensation therefor, the Trustee shall be entitled to the Servicing Fees and all funds relating to the Mortgage Loans to which the Master Servicer would have been entitled if it had continued to act hereunder (other than amounts which were due or would become due
to the Master Servicer prior to its termination or resignation). Notwithstanding the above, the Trustee may, if it shall be unwilling to so act, or shall, if it is unable to so act or if it is prohibited by law from making advances regarding delinquent mortgage loans, or if the Holders of Certificates entitled to at least 51% of the Voting Rights so request in writing to the Trustee, promptly appoint or petition a court of competent jurisdiction to appoint, an established mortgage loan servicing institution acceptable to the Rating Agencies and having a net worth of not less than $15,000,000 as the successor to the Master Servicer under this Agreement in the assumption of all or any part of the responsibilities, duties or liabilities of the Master Servicer under this Agreement. No appointment of a successor to the Master Servicer under this Agreement shall be effective until the assumption by the successor of all of the Master Servicer’s responsibilities, duties and liabilities hereunder. In
connection with such appointment and assumption described herein, 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 Master Servicer as such hereunder. The Depositor, the Trustee and such successor shall take such action, consistent with this Agreement, as shall be necessary to effectuate any such succession. Pending appointment of a successor to the Master Servicer under this Agreement, the Trustee shall act in such capacity as hereinabove provided.

 

(b)  In connection with the termination or resignation of the Master Servicer hereunder, either (i) the successor 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® 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 Section 7.02(b).

 

	SECTION 7.03  	
Notification to Certificateholders.

 

(a)  Upon any termination of the Master Servicer pursuant to Section 7.01 above or any appointment of a successor to the Master Servicer pursuant to Section 7.02 above, the Trustee shall give prompt written notice thereof to Certificateholders at their respective addresses appearing in the Certificate Register.

 

(b)  Not later than the later of 60 days after the occurrence of any event, which constitutes or which, with notice or lapse of time or both, would constitute a Master Servicer Event of Default or five days after a Responsible Officer of the Trustee becomes aware of the occurrence of such an event, the Trustee shall transmit by mail to all Holders of Certificates notice of each such occurrence, unless such default or Master Servicer Event of Default shall have been cured or waived.

 

	SECTION 7.04  	
Waiver of Master Servicer Events of Default.

 

Subject to Section 11.09(d), the Holders representing at least 66% of the Voting Rights evidenced by all Classes of Certificates affected by any default or Master Servicer Event of Default hereunder may waive such default or Master Servicer Event of Default; provided, however, that a default or Master Servicer Event of Default under clause (i) or (vi) of Section 7.01 may be waived only by all of the Holders of the Regular Certificates. Upon any such waiver of a default or Master Servicer Event of Default, such default or Master Servicer Event of Default shall cease to exist and shall be deemed to have been remedied for every purpose hereunder. No such waiver shall extend to any subsequent or other default or Master Servicer Event of Default or impair any right consequent thereon except to the extent expressly
so waived.

 

 

 

ARTICLE VIII

CONCERNING THE TRUSTEE, THE TRUST ADMINISTRATOR, THE PAYING AGENT, THE CERTIFICATE REGISTRAR AND THE AUTHENTICATING AGENT

 

	SECTION 8.01  	
Duties of Trustee, Trust Administrator and Others.

 

The Trustee, prior to the occurrence of a Master Servicer Event of Default and after the curing of all Master Servicer Events of Default which may have occurred, and each of the Trust Administrator, the Paying Agent, the Certificate Registrar and the Authenticating Agent, at all times, undertakes to perform such duties and only such duties as are specifically set forth in this Agreement. During a Master Servicer Event of Default, 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 person would exercise or use under the circumstances in the conduct of such person’s own affairs. Any permissive right of the Trustee, the Trust Administrator, the Paying Agent, the Certificate Registrar or the
Authenticating Agent enumerated in this Agreement shall not be construed as a duty.

 

Each of the Trustee, the Trust Administrator, the Paying Agent, the Certificate Registrar and the Authenticating Agent, upon receipt of all resolutions, certificates, statements, opinions, reports, documents, orders or other instruments furnished to it, 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; provided, however, that none of the Trustee, the Trust Administrator, the Paying Agent, the Certificate Registrar or the Authenticating Agent will be responsible for the accuracy or content of any such resolutions, certificates, statements, opinions, reports, documents or other instruments. If any such instrument is found not to conform to the requirements of this Agreement in a
material manner, it shall take such action as it deems appropriate to have the instrument corrected, and if the instrument is not corrected to its satisfaction, it will provide notice thereof to the Certificateholders.

 

No provision of this Agreement shall be construed to relieve the Trustee, the Trust Administrator, the Paying Agent, the Certificate Registrar or the Authenticating Agent from liability for its own negligent action, its own negligent failure to act or its own misconduct; provided, however, that:

 

(i)  With respect to the Trustee, prior to the occurrence of a Master Servicer Event of Default, and after the curing of all such Master Servicer Events of Default which may have occurred, and with respect to the Trust Administrator, the Paying Agent, the Certificate Registrar and the Authenticating Agent, at all times, the duties and obligations of each of the Trustee, the Trust Administrator, the Paying Agent, the Certificate Registrar and the Authenticating Agent, shall be determined solely by the express provisions of this Agreement, none of the Trustee, the Trust Administrator, the Paying Agent, the Certificate Registrar or the Authenticating Agent shall be liable except for the performance of such
duties and obligations as are specifically set forth in this Agreement, no implied covenants or obligations shall be read into this Agreement against the Trustee, the Trust Administrator, the Paying Agent, the Certificate Registrar or the Authenticating Agent and, in the absence of bad faith on the part of the Trustee, the Trust Administrator, the Paying Agent, the Certificate Registrar or the Authenticating Agent, as applicable, the Trustee, the Trust Administrator, the Paying Agent, the Certificate Registrar or the Authenticating Agent, as the case may be, 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, the Trust Administrator, the Paying Agent, the Certificate Registrar or the Authenticating Agent, as the case may be, that conform to the requirements of this Agreement;

 

(ii)  None of the Trustee, the Trust Administrator, the Paying Agent, the Certificate Registrar or the Authenticating Agent shall be personally liable for any error of judgment made in good faith by a Responsible Officer or Responsible Officers of it unless it shall be proved that it was negligent in ascertaining the pertinent facts; 

 

(iii)  None of the Trustee, the Trust Administrator, the Paying Agent, the Certificate Registrar or the Authenticating Agent shall 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 Holders of Certificates entitled to at least 25% of the Voting Rights relating to the time, method and place of conducting any proceeding for any remedy available to the it or exercising any trust or power conferred upon it, under this Agreement; and

 

(iv)  The Trustee shall not be required to take notice or be deemed to have notice or knowledge of any default unless a Responsible Officer of the Trustee shall have received written notice thereof or a Responsible Officer shall have actual knowledge thereof. In the absence of receipt of such notice or actual knowledge, the Trustee may conclusively assume there is no default.

 

None of the Trustee, the Trust Administrator, the Paying Agent, the Certificate Registrar or the Authenticating Agent shall be required to expend or risk its own funds or otherwise incur financial liability in the performance of any of its duties hereunder, or in the exercise of any of its rights or powers, in each case not including expenses, disbursements and advances incurred or made by the Trustee, the Trust Administrator, the Paying Agent, the Certificate Registrar or the Authenticating Agent, as applicable, including the compensation and the expenses and disbursements of its agents and counsel, in the ordinary course of the Trustee’s, the Trust Administrator’s the Paying Agent’s, the Certificate Registrar’s or the Authenticating Agent’s, as the case may be, performance in
accordance with the provisions of this Agreement, if there is reasonable ground for believing that the repayment of such funds or adequate indemnity against such risk or liability is not reasonably assured to it. With respect to the Trustee, none of the provisions contained in this Agreement shall in any event require the Trustee to perform, or be responsible for the manner of performance of, any of the obligations of the Master Servicer under this Agreement, except during such time, if any, as the Trustee shall be the successor to, and be vested with the rights, duties, powers and privileges of, the Master Servicer in accordance with the terms of this Agreement.

 

	SECTION 8.02  	
Certain Matters Affecting the Trustee, the Trust Administrator and Others.

 

(a)  Except as otherwise provided in Section 8.01:

 

(i)  Each of the Trustee, the Trust Administrator, the Paying Agent, the Certificate Registrar and the Authenticating Agent and any director, officer, employee or agent of the Trustee, the Trust Administrator, the Paying Agent, the Certificate Registrar or the Authenticating Agent, as the case may be, may request and conclusively rely upon and shall be fully 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 reasonably believed by it to be genuine and to have been signed or presented by the proper
party or parties;

 

(ii)  Each of the Trustee, the Trust Administrator, the Paying Agent, the Certificate Registrar and the Authenticating Agent may consult with counsel of its selection 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)  None of the Trustee, the Trust Administrator, the Paying Agent, the Certificate Registrar or the Authenticating Agent shall be under any obligation to exercise any of the trusts or powers vested in it by this Agreement or to institute, conduct or defend any litigation hereunder or in relation hereto at the request, order or direction of any of the Certificateholders, pursuant to the provisions of this Agreement, unless such Certificateholders shall have offered to the Trustee, the Trust Administrator, the Paying Agent, the Certificate Registrar or the Authenticating Agent, as applicable, security or indemnity satisfactory to it against the costs, expenses and liabilities which may be incurred
therein or thereby; the right of the Trustee, the Trust Administrator, the Paying Agent, the Certificate Registrar or the Authenticating Agent to perform any discretionary act enumerated in this Agreement shall not be construed as a duty, and none of the Trustee, the Trust Administrator, the Paying Agent, the Certificate Registrar or the Authenticating Agent shall be answerable for other than its negligence or willful misconduct in the performance of any such act; nothing contained herein shall, however, relieve the Trustee of the obligation, upon the occurrence of a Master Servicer 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 person would exercise or use under the circumstances in the conduct of such person’s own affairs;

 

(iv)  None of the Trustee, the Trust Administrator, the Paying Agent, the Certificate Registrar or the Authenticating Agent shall 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)  With respect to the Trustee, prior to the occurrence of a Master Servicer Event of Default hereunder, and after the curing of all Master Servicer Events of Default which may have occurred, and with respect to the Trust Administrator, the Paying Agent, the Certificate Registrar or the Authenticating Agent, at all times, none of the Trustee, the Trust Administrator, the Paying Agent, the Certificate Registrar or the Authenticating Agent shall be bound to make any investigation into the facts or matters stated in any resolution, certificate, statement, instrument, opinion, report, notice, request, consent, order, approval, bond or other paper or document, unless requested in writing to do so by the
Holders of Certificates entitled to at least 25% of the Voting Rights; provided, however, that if the payment within a reasonable time to the Trustee, the Trust Administrator, the Paying Agent, the Certificate Registrar or the Authenticating Agent, as applicable, 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, the Trust Administrator, the Paying Agent, the Certificate Registrar or the Authenticating Agent, as applicable, not reasonably assured to the Trustee, the Trust Administrator, the Paying Agent, the Certificate Registrar or the Authenticating Agent, as applicable, by such Certificateholders, the Trustee, the Trust Administrator, the Paying Agent, the Certificate Registrar or the Authenticating Agent, as applicable, may require indemnity satisfactory to it against such cost, expense, or liability from such Certificateholders as a condition to taking any such action;

 

(vi)  Each of the Trustee, the Trust Administrator, the Paying Agent, the Certificate Registrar and the Authenticating Agent may execute any of the trusts or powers hereunder or perform any duties hereunder either directly or by or through agents or attorneys and none of the Trustee, the Trust Administrator, the Paying Agent, the Certificate Registrar or the Authenticating Agent shall be responsible for any misconduct or negligence on the part of any agent or attorney appointed with due care;

 

(vii)  None of the Trustee, the Trust Administrator, the Paying Agent, the Certificate Registrar or the Authenticating Agent shall be personally liable for any loss resulting from the investment of funds held in the Collection Account at the direction of the Master Servicer pursuant to Section 3.12; and

 

(viii)  Any request or direction of the Depositor, the Master Servicer or the Certificateholders mentioned herein shall be sufficiently evidenced in writing.

 

(b)  All rights of action under this Agreement or under any of the Certificates, enforceable by the Trustee, the Trust Administrator, the Paying Agent, the Certificate Registrar or the Authenticating Agent, may be enforced by it without the possession of any of the Certificates, or the production thereof at the trial or other proceeding relating thereto, and any such suit, action or proceeding instituted by the Trustee, the Trust Administrator, the Paying Agent, the Certificate Registrar or the Authenticating Agent shall be brought in its name for the benefit of all the Holders of such Certificates, subject to the provisions of this Agreement.

 

	SECTION 8.03  	
Trustee, Trust Administrator and Others not Liable for Certificates or Mortgage Loans.

 

The recitals contained herein and in the Certificates (other than the signatures of the Trustee, the Trust Administrator and Citibank hereto, the signature of the Paying Agent and the authentication of the Authenticating Agent on the Certificates, the acknowledgments of the Trustee and the Trust Administrator contained in Article II and the representations and warranties of the Trustee, the Trust Administrator and Citibank in Section 8.12) shall be taken as the statements of the Depositor and none of the Trustee, the Trust Administrator, the Paying Agent, the Certificate Registrar or the Authenticating Agent assumes any responsibility for their correctness. None of the Trustee, the Trust Administrator, the Paying Agent, the Certificate Registrar or the Authenticating Agent makes any representations or
warranties as to the validity or sufficiency of this Agreement (other than as specifically set forth in Section 8.12) or of the Certificates (other than the signature of the Paying Agent and authentication of the Authenticating Agent on the Certificates) or of any Mortgage Loan or related document or of MERS or the MERS System. None of the Trustee, the Trust Administrator, the Paying Agent, the Certificate Registrar or the Authenticating Agent shall be accountable for the use or application by the Depositor 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 Collection Account by the Master Servicer. 

 

	SECTION 8.04  	
Trustee, Trust Administrator and Others May Own Certificates.

 

Each of the Trustee, the Trust Administrator, the Paying Agent, the Certificate Registrar and the Authenticating Agent in its individual capacity or any other capacity may become the owner or pledgee of Certificates with the same rights it would have if it were not the Trustee, the Trust Administrator, the Paying Agent, the Certificate Registrar or the Authenticating Agent, as applicable.

 

	SECTION 8.05  	
Trustee’s, Trust Administrator’s, Paying Agent’s, Authenticating Agent’s, Certificate Registrar’s and Custodians’ Fees and Expenses.

 

(a)  The compensation to be paid to the Trustee, the Trust Administrator, the Paying Agent, the Authenticating Agent and the Certificate Registrar in respect of each of its obligations under this Agreement or of a Custodian’s obligations under the applicable Custodial Agreement will be the amounts paid by the Master Servicer from its own funds or from a portion of the compensation paid to the Master Servicer hereunder pursuant to letter agreements between the Master Servicer and the Trustee, the Trust Administrator, the Paying Agent, the Authenticating Agent, the Certificate Registrar and such Custodian (which compensation shall not be limited by any provision of law in regard to the compensation of
a trustee of an express trust) and no such compensation shall be paid from the assets of the Trust. Each of the Trustee, the Trust Administrator, the Paying Agent, the Certificate Registrar, the Authenticating Agent, a Custodian and any director, officer, employee or agent of any of them, as applicable, shall be indemnified by the Trust Fund and held harmless against any loss, liability or expense (not including expenses, disbursements and advances incurred or made by the Trustee, the Trust Administrator, the Paying Agent, the Certificate Registrar, the Authenticating Agent or a Custodian, as applicable, including the compensation and the expenses and disbursements of its agents and counsel, in the ordinary course of the Trustee’s, the Trust Administrator’s the Paying Agent’s, the Certificate Registrar’s, the Authenticating Agent’s or a Custodian’s, as the case may be, performance in accordance with the provisions of this Agreement) incurred by the Trustee, the Trust
Administrator, the Paying Agent, the Certificate Registrar, the Authenticating Agent or a Custodian, as applicable, in connection with any claim or legal action or any pending or threatened claim or legal action arising out of or in connection with the acceptance or administration of its obligations and duties under this Agreement (or, in the case of a Custodian, under the applicable Custodial Agreement), other than any loss, liability or expense (i) resulting from any breach of the Master Servicer’s (and in the case of the Trustee, the Trust Administrator’s or the Paying Agent’s; in the case of the Trust Administrator, the Trustee’s or the Paying Agent’s; or in the case of the Paying Agent, the Trustee’s or the Trust Administrator’s) obligations in connection with this Agreement and the Mortgage Loans, (ii) that constitutes a specific liability of the Trustee, the Trust Administrator or the Paying Agent, as applicable, pursuant to Section 10.01(g) or (iii) any loss,
liability or expense incurred by reason of willful misfeasance, bad faith or negligence in the performance of duties hereunder or by reason of reckless disregard of obligations and duties hereunder (or, in the case of a Custodian, under the applicable Custodial Agreement) or as a result of a breach of the Trustee’s, the Trust Administrator’s or the Paying Agent’s obligations under Article X hereof (or, in the case of a Custodian, as a result of a breach of such Custodian’s obligations under the related Custodial Agreement). Any amounts payable to the Trustee, the Trust Administrator, the Paying Agent, the Certificate Registrar or the Authenticating Agent, a Custodian, or any director, officer, employee or agent of any of them in respect of the indemnification provided by this paragraph (a), or pursuant to any other right of reimbursement from the Trust Fund that the Trustee, the Trust Administrator, the Paying Agent, the Certificate Registrar, the Authenticating Agent, a Custodian
or any director, officer, employee or agent of any of them may have hereunder in its capacity as such, may be withdrawn by the Paying Agent for payment to the applicable indemnified Person from the Distribution Account at any time.

 

(b)  The Master Servicer agrees to indemnify the Trustee, the Trust Administrator, the Paying Agent, the Certificate Registrar, the Authenticating Agent and any Custodian from, and hold each harmless against, any loss, liability or expense resulting from a breach of the Master Servicer’s obligations and duties under this Agreement. Such indemnity shall survive the termination or discharge of this Agreement and the resignation or removal of the Trustee, the Trust Administrator, the Paying Agent, the Certificate Registrar, the Authenticating Agent or such Custodian, as the case may be. Any payment hereunder made by the Master Servicer to the Trustee, the Trust Administrator, the Paying Agent, the
Certificate Registrar, the Authenticating Agent or such Custodian shall be from the Master Servicer’s own funds, without reimbursement from the Trust Fund therefor.

 

	SECTION 8.06  	
Eligibility Requirements for Trustee and Trust Administrator.

 

Each of the Trustee and the Trust Administrator hereunder shall at all times be a corporation or an association organized and doing business under the laws of any 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. In case at any time the Trustee or the Trust Administrator shall cease to be eligible in accordance with the provisions of this Section, the Trustee or the Trust Administrator, as the case may be, shall resign immediately in the manner and with the effect specified in Section 8.07.

 

	SECTION 8.07  	
Resignation and Removal of the Trustee and the Trust Administrator.

 

Either of the Trustee or the Trust Administrator may at any time resign and be discharged from the trust hereby created by giving written notice thereof to the Depositor, the Master Servicer and the Certificateholders and, if the Trustee is resigning, to the Trust Administrator, or, if the Trust Administrator is resigning, to the Trustee. Upon receiving such notice of resignation, the Depositor shall promptly appoint a successor trustee or trust administrator (which may be the same Person in the event the Trust Administrator resigns or is removed) by written instrument, in duplicate, which instrument shall be delivered to the resigning Trustee or Trust Administrator and to the successor trustee or trust administrator, as applicable. A copy of such instrument shall be delivered to the Certificateholders, the
Trustee or Trust Administrator, as applicable, and the Master Servicer by the Depositor. If no successor trustee or trust administrator shall have been so appointed and have accepted appointment within 30 days after the giving of such notice of resignation, the resigning Trustee or Trust Administrator, as applicable, may petition any court of competent jurisdiction for the appointment of a successor trustee or trust administrator, as applicable.

 

If at any time the Trustee or the Trust Administrator 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 Depositor (or in the case of the Trust Administrator, the Trustee), or if at any time the Trustee or the Trust Administrator shall become incapable of acting, or shall be adjudged bankrupt or insolvent, or a receiver of the Trustee or the Trust Administrator or of its property shall be appointed, or any public officer shall take charge or control of the Trustee or the Trust Administrator or of its property or affairs for the purpose of rehabilitation, conservation or liquidation, then the Depositor (or in the case of the Trust Administrator, the Trustee) may remove the Trustee or the Trust Administrator, as applicable,
and appoint a successor trustee or trust administrator (which may be the same Person in the event the Trust Administrator resigns or is removed) by written instrument, in duplicate, which instrument shall be delivered to the Trustee or Trust Administrator so removed and to the successor trustee or trust administrator. A copy of such instrument shall be delivered to the Certificateholders, the Trustee or the Trust Administrator, as applicable, and the Master Servicer by the Depositor.

 

The Holders of Certificates entitled to at least 51% of the Voting Rights may at any time remove the Trustee or the Trust Administrator and appoint a successor trustee or trust administrator 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 or the Trust Administrator, as the case may be, so removed and one complete set to the successor so appointed. A copy of such instrument shall be delivered to the Certificateholders and the Master Servicer by the Depositor. 

 

If no successor Trust Administrator shall have been appointed and shall have accepted appointment within 60 days after the Trust Administrator ceases to be the Trust Administrator pursuant to this Section 8.07, then the Trustee shall perform the duties of the Trust Administrator pursuant to this Agreement. The Trustee shall notify the Rating Agencies of any change of Trust Administrator.

 

Any resignation or removal of the Trustee or the Trust Administrator and appointment of a successor trustee or trust administrator, as the case may be, pursuant to any of the provisions of this Section shall not become effective until acceptance of appointment by the successor trustee or trust administrator as provided in Section 8.08. Notwithstanding the foregoing, in the event the Trust Administrator advises the Trustee that it is unable to continue to perform its obligations pursuant to the terms of this Agreement prior to the appointment of a successor, the Trustee shall be obligated to perform such obligations until a new trust administrator is appointed. Such performance shall be without prejudice to any claim by a party hereto or beneficiary hereof resulting from the Trust Administrator’s breach of
its obligations hereunder. As compensation therefor, the Trustee shall be entitled to all fees the Trust Administrator would have been entitled to if it had continued to act hereunder.

 

	SECTION 8.08  	
Successor Trustee or Trust Administrator.

 

Any successor trustee or trust administrator appointed as provided in Section 8.07 shall execute, acknowledge and deliver to the Depositor, the Trustee or the Trust Administrator, as applicable, and to its predecessor trustee or trust administrator an instrument accepting such appointment hereunder, and thereupon the resignation or removal of the predecessor trustee or trust administrator shall become effective and such successor trustee or trust administrator, 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 or trust administrator herein. The predecessor trustee or trust administrator shall deliver to the successor trustee or trust administrator all
Mortgage Files and related documents and statements, as well as all moneys, held by it hereunder and the Depositor and the predecessor trustee or trust administrator 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 or trust administrator all such rights, powers, duties and obligations.

 

No successor trustee or trust administrator shall accept appointment as provided in this Section unless at the time of such acceptance such successor trustee or trust administrator shall be eligible under the provisions of Section 8.06 and the appointment of such successor trustee or trust administrator shall not result in a downgrading of any Class of Certificates by the Rating Agencies, as evidenced by a letter from the Rating Agencies.

 

Upon acceptance of appointment by a successor trustee or trust administrator as provided in this Section, the Depositor shall mail notice of the succession of such trustee or trust administrator 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 or trust administrator, the successor trustee or trust administrator shall cause such notice to be mailed at the expense of the Depositor.

 

	SECTION 8.09  	
Merger or Consolidation of Trustee or Trust Administrator.

 

Any corporation or association into which either the Trustee or the Trust Administrator may be merged or converted or with which it may be consolidated or any corporation or association resulting from any merger, conversion or consolidation to which the Trustee or the Trust Administrator, as the case may be, shall be a party, or any corporation or association succeeding to the business of the Trustee or the Trust Administrator, as applicable, shall be the successor of the Trustee or the Trust Administrator, as the case may be, hereunder, provided such corporation or 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.

 

	SECTION 8.10  	
Appointment of Co-Trustee or Separate Trustee.

 

Notwithstanding any other provisions hereof, at any time, for the purpose of meeting any legal requirements of any jurisdiction in which any part of REMIC I-A or REMIC II-A 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 REMIC I-A or REMIC II-A, and to vest in such Person or Persons, in such capacity, such title to REMIC I-A or REMIC II-A, 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 to do so, or in case a Master Servicer 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.

 

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 by the Trustee (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 REMIC I-A or REMIC II-A 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.

 

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 trust 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.

 

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  	
 [intentionally omitted]

 

	SECTION 8.12  	
Appointment of Office or Agency.

 

The Trust Administrator or the Paying Agent on its behalf will appoint an office or agency in the City of New York where the Certificates may be surrendered for registration of transfer or exchange, and presented for final distribution, and where notices and demands to or upon the Certificate Registrar, the Paying Agent or the Trust Administrator in respect of the Certificates and this Agreement may be served.

 

	SECTION 8.13  	
Representations and Warranties.

 

Each of the Trustee, the Trust Administrator and Citibank hereby represents and warrants to the Master Servicer, the Depositor and the Trustee, the Trust Administrator and Citibank, as applicable, as of the Closing Date, that:

 

(i)  It is duly organized, validly existing and in good standing under the laws of the State of New York, in the case of the Trust Administrator, and the laws of the United States, in the case of the Trustee and Citibank.

 

(ii)  The execution and delivery of this Agreement by it, and the performance and compliance with the terms of this Agreement by it, will not violate its articles of association or bylaws or constitute a default (or an event which, with notice or lapse of time, or both, would constitute a default) under, or result in the breach of, any material agreement or other instrument to which it is a party or which is applicable to it or any of its assets.

 

(iii)  It has the full power and authority to enter into and consummate all transactions contemplated by this Agreement, has duly authorized the execution, delivery and performance of this Agreement, and has duly executed and delivered this Agreement.

 

(iv)  This Agreement, assuming due authorization, execution and delivery by the other parties hereto, constitutes a valid, legal and binding obligation of it, enforceable against it in accordance with the terms hereof, subject to (A) applicable bankruptcy, insolvency, receivership, reorganization, moratorium and other laws affecting the enforcement of creditors’ rights generally, and (B) general principles of equity, regardless of whether such enforcement is considered in a proceeding in equity or at law.

 

(v)  It is not in violation of, and its execution and delivery of this Agreement and its performance and compliance with the terms of this Agreement will not constitute a violation of, any law, any order or decree of any court or arbiter, or any order, regulation or demand of any federal, state or local governmental or regulatory authority, which violation, in its good faith and reasonable judgment, is likely to affect materially and adversely either the ability of the it to perform its obligations under this Agreement or the financial condition of it.

 

(vi)  No litigation is pending or, to the best of its knowledge, threatened against it which would prohibit it from entering into this Agreement or, in its good faith reasonable judgment, is likely to materially and adversely affect either the ability of it to perform its obligations under this Agreement or the financial condition of it.

 

	SECTION 8.14  	
Appointment and Removal of Paying Agent, Authenticating Agent and Certificate Registrar.

 

(a)  The Trust Administrator hereby appoints Citibank as Paying Agent and Citibank hereby accepts such appointment. The Paying Agent shall hold all amounts deposited with it by the Trust Administrator or the Master Servicer for payment on the Certificates in trust for the benefit of the Certificateholders until the amounts are paid to the Certificateholders or otherwise disposed of in accordance with this Agreement.

 

Any corporation or national banking association into which the Paying Agent may be merged in 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 such Paying Agent shall be a party, or any corporation or national banking association succeeding to the corporate agency or corporate trust business of the Paying Agent, shall continue to be the Paying Agent, provided such corporation or national banking association shall be otherwise eligible under this section 8.14(a), without the execution or filing of any paper or any further act on the part of the Trustee, the Trust Administrator or the Paying Agent.

 

The Paying Agent may resign at any time by giving written notice thereof to the Trustee and the Trust Administrator. The Trust Administrator may at any time terminate the Paying Agent by giving written notice thereof to the Paying Agent and to the Trustee. Upon receiving such a notice of resignation or upon such a termination, or in case at any time such Paying Agent shall cease to be eligible in accordance with the provisions of this section 8.14(a), the Trust Administrator shall appoint a successor and shall mail written notice of such appointment by first-class mail, postage prepaid to all Certificateholders as their names and addresses appear in the Certificate Register and to the Rating Agencies. Following the termination or resignation of the Paying Agent and prior to the appointment of a successor Paying
Agent, the Trust Administrator shall act as Paying Agent hereunder. Any successor Paying Agent upon acceptance of its appointment hereunder shall become vested with all the rights, powers and duties of its predecessor hereunder, with like effect as if originally named as the Paying Agent herein. No successor Paying Agent shall be appointed unless eligible under the provisions of this section 8.14(a).

 

The Paying Agent and any successor Paying Agent (i) may not be an Originator, the Master Servicer, a subservicer, the Depositor or an affiliate of the Depositor unless the Paying Agent is an institutional trust department, (ii) must be authorized to exercise corporate trust powers under the laws of its jurisdiction of organization, and (iii) must at all times be rated at least “A1” by S&P if S&P is a Rating Agency and at least “A/F1” by Fitch if Fitch is a rating agency and the equivalent rating by Moody’s, if Moody’s is a Rating Agency.

 

The Trust Administrator shall pay to the Paying Agent from its own funds reasonable compensation for its services hereunder, and such expense of the Trust Administrator shall not be payable from the Trust Fund and shall not be recoverable by the Trust Administrator from the assets of the Trust Fund pursuant to section 8.05 or any other provision of this Agreement.

 

(b)  The Trust Administrator hereby appoints Citibank as Authenticating Agent and Citibank hereby accepts such appointment. The Authenticating Agent shall be authorized to authenticate the Certificates, and Certificates so authenticated shall be entitled to the benefit of this Agreement.

 

The Authenticating Agent shall at all times remain a corporation or national banking association organized and doing business under the laws of the United States of America, any state thereof or the District of Columbia, authorized under such laws to act as Authenticating Agent, having a combined capital and surplus of not less than $15,000,000, authorized under such laws to conduct a trust business and subject to supervision or examination by federal or state authority. If the Authenticating Agent publishes reports of condition at least annually, pursuant to law or to the requirements of said supervising or examining authority, then for the purposes of this section 8.14(b), the combined capital and surplus of the Authenticating Agent shall be deemed to be its combined capital and surplus as set forth in its
most recent report of condition so published. If at any time an Authenticating Agent shall cease to be eligible in accordance with the provisions of this section 8.14(b), such Authenticating Agent shall resign immediately in the manner and with the effect specified in this section 8.14(b).

 

Any corporation or national banking association into which the Authenticating Agent may be merged in 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 such Authenticating Agent shall be a party, or any corporation or national banking association succeeding to the corporate agency or corporate trust business of the Authenticating Agent, shall continue to be the Authenticating Agent, provided such corporation or national banking association shall be otherwise eligible under this section 8.14(b), without the execution or filing of any paper or any further act on the part of the Trustee, the Trust Administrator or the Authenticating Agent.

 

The Authenticating Agent may resign at any time by giving written notice thereof to the Trustee and the Trust Administrator. The Trust Administrator may at any time terminate the Authenticating Agent by giving written notice thereof to the Authenticating Agent and to the Trustee. Upon receiving such a notice of resignation or upon such a termination, or in case at any time such Authenticating Agent shall cease to be eligible in accordance with the provisions of this section 8.14(b), the Trust Administrator shall appoint a successor and shall mail written notice of such appointment by first-class mail, postage prepaid to all Certificateholders as their names and addresses appear in the Certificate Register. Following the termination or resignation of the Authenticating Agent and prior to the appointment of a
successor Authenticating Agent, the Trust Administrator shall act as Authenticating Agent hereunder. Any successor Authenticating Agent upon acceptance of its appointment hereunder shall become vested with all the rights, powers and duties of its predecessor hereunder, with like effect as if originally named as the Authenticating Agent herein. No successor Authenticating Agent shall be appointed unless eligible under the provisions of this section 8.14(b).

 

The Trust Administrator shall pay to the Authenticating Agent from its own funds reasonable compensation for its services hereunder, and such expense of the Trust Administrator shall not be payable from the Trust Fund and shall not be recoverable by the Trust Administrator from the assets of the Trust Fund pursuant to section 8.05 or any other provision of this Agreement.

 

(c)  The Trust Administrator hereby appoints Citibank as Certificate Registrar and Citibank hereby accepts such appointment.

 

Any corporation or national banking association into which the Certificate Registrar may be merged in 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 such Certificate Registrar shall be a party, or any corporation or national banking association succeeding to the corporate agency or corporate trust business of the Certificate Registrar, shall continue to be the Certificate Registrar, provided such corporation or national banking association shall be otherwise eligible under this section 8.14(c), without the execution or filing of any paper or any further act on the part of the Trustee, the Trust Administrator or the Certificate Registrar.

 

The Certificate Registrar may resign at any time by giving written notice thereof to the Trustee and the Trust Administrator. The Trust Administrator may at any time terminate the Certificate Registrar by giving written notice thereof to the Certificate Registrar and to the Trustee.

 

Upon receiving such a notice of resignation or upon such a termination, or in case at any time such Certificate Registrar shall cease to be eligible in accordance with the provisions of this section 8.14(c), the Trust Administrator shall appoint a successor and shall mail written notice of such appointment by first-class mail, postage prepaid to all Certificateholders as their names and addresses appear in the Certificate Register. Following the termination or resignation of the Certificate Registrar and prior to the appointment of a successor Certificate Registrar, the Trust Administrator shall act as Certificate Registrar hereunder. Any successor Certificate Registrar upon acceptance of its appointment hereunder shall become vested with all the rights, powers and duties of its predecessor hereunder, with like
effect as if originally named as the Certificate Registrar herein. No successor Certificate Registrar shall be appointed unless eligible under the provisions of this section 8.14(c).

 

The Trust Administrator shall pay to the Certificate Registrar from its own funds reasonable compensation for its services hereunder, and such expense of the Trust Administrator shall not be payable from the Trust Fund and shall not be recoverable by the Trust Administrator from the assets of the Trust Fund pursuant to section 8.05 or any other provision of this Agreement.

 

(d)  Notwithstanding anything to the contrary herein, in no event shall the Trustee be liable to any party hereto or to any third party for the performance of any custody-related functions with respect to which the applicable Custodian shall fail to take action on behalf of the Trustee or, with respect to which the performance of custody-related functions pursuant to the terms of the custodial agreement with the applicable Custodian shall fail to satisfy all the related requirements under this Agreement.

 

	SECTION 8.15  	
No Trustee Liability for Actions or Inactions of Custodians.

 

Notwithstanding anything to the contrary herein, in no event shall the Trustee be liable to any party hereto or to any third party for the performance of any custody-related functions with respect to which the applicable Custodian shall fail to take action on behalf of the Trustee or, with respect to which the performance of custody-related functions pursuant to the terms of the custodial agreement with the applicable Custodian shall fail to satisfy all the related requirements under this Agreement.

 

 

 

ARTICLE IX

TERMINATION

 

	SECTION 9.01  	
Termination Upon Repurchase or Liquidation of the Mortgage Loans.

 

(a)  Subject to Section 9.02, the respective obligations and responsibilities under this Agreement of the Depositor, the Master Servicer, the Trustee, the Paying Agent, the Certificate Registrar, the Authenticating Agent and the Trust Administrator with respect to the Group 1 Mortgage Loans (other than the obligations of the Master Servicer to the Trustee and the Trust Administrator pursuant to Section 8.05 and of the Master Servicer and the Trust Administrator to provide for and the Paying Agent to make payments to the Holders of the Group 1 Certificates as hereinafter set forth) shall terminate upon payment to the Holders of the Group 1 Certificates and the deposit of all amounts held by or on behalf of
the Trustee or the Trust Administrator and required hereunder to be so paid or deposited on the Distribution Date coinciding with or following the earlier to occur of (i) the purchase by the applicable Terminator of all Group 1 Mortgage Loans and each related REO Property remaining in REMIC I-A and (ii) the final payment or other liquidation (or any advance with respect thereto) of the last Group 1 Mortgage Loan or related REO Property remaining in REMIC I-A. The purchase by the applicable Terminator of all Group 1 Mortgage Loans and each related REO Property remaining in REMIC I-A shall be at a price (the “Group 1 Termination Price”) equal to the Purchase Price of the Group 1 Mortgage Loans included in REMIC I-A, plus the appraised value of each related REO Property, if any, included in REMIC I-A, such appraisal to be conducted by an appraiser mutually agreed upon by the Master Servicer and the Trustee in their reasonable discretion (as determined by the Master Servicer, with the consent of
the Trustee, as of the close of business on the third Business Day next preceding the date upon which notice of any such termination is furnished to Holders of the Group 1 Certificates pursuant to Section 9.01(e)).

 

(b)  Subject to Section 9.02, the respective obligations and responsibilities under this Agreement of the Depositor, the Master Servicer, the Trustee, the Paying Agent, the Certificate Registrar, the Authenticating Agent and the Trust Administrator with respect to the Group 2 Mortgage Loans (other than the obligations of the Master Servicer to the Trustee and the Trust Administrator pursuant to Section 8.05 and of the Master Servicer and the Trust Administrator to provide for and the Paying Agent to make payments to the Holders of the Group 2 Certificates as hereinafter set forth) shall terminate upon payment to the Holders of the Group 2 Certificates and the deposit of all amounts held by or on behalf of
the Trustee or the Trust Administrator and required hereunder to be so paid or deposited on the Distribution Date coinciding with or following the earlier to occur of (i) the purchase by the applicable Terminator of all Group 2 Mortgage Loans and each related REO Property remaining in REMIC II-A and (ii) the final payment or other liquidation (or any advance with respect thereto) of the last Group 2 Mortgage Loan or related REO Property remaining in REMIC II-A. The purchase by the applicable Terminator of all Group 2 Mortgage Loans and each related REO Property remaining in REMIC II-A shall be at a price (the “Group 2 Termination Price”) equal to the Purchase Price of the Group 2 Mortgage Loans included in REMIC II-A, plus the appraised value of each related REO Property, if any, included in REMIC II-A, such appraisal to be conducted by an appraiser mutually agreed upon by the Master Servicer and the Trustee in their reasonable discretion (as determined by the Master Servicer, with the
consent of the Trustee, as of the close of business on the third Business Day next preceding the date upon which notice of any such termination is furnished to Holders of the Group 2 Certificates pursuant to Section 9.01(e)).

 

(c)  [Reserved].

 

(d)  The related Terminator shall have the right to purchase all of the Group 1 Mortgage Loans and each REO Property remaining in REMIC I-A and/or all of the Group 2 Mortgage Loans and each REO Property remaining in REMIC II-A pursuant to Section 9.01(a)(i) or Section 9.01(b)(i), as applicable, no later than the Determination Date in the month immediately preceding the Distribution Date on which the Group 1 Certificates or the Group 2 Certificates, as applicable, will be retired; provided, however, that the related Terminator, as provided above, may elect to purchase (i) all of the Group 1 Mortgage Loans and each REO Property remaining in REMIC I-A pursuant to Section 9.01(a)(i) only if the aggregate
Stated Principal Balance of the Group 1 Mortgage Loans and each REO Property remaining in REMIC I-A at the time of such election is reduced to less than 5% of the aggregate Stated Principal Balance of the Group 1 Mortgage Loans at the Cut-off Date and/or (ii) all of the Group 2 Mortgage Loans and each REO Property remaining in REMIC II-A pursuant to Section 9.01(b)(i) only if the aggregate Stated Principal Balance of the Group 2 Mortgage Loans and each REO Property remaining in REMIC II-A at the time of such election is reduced to less than 5% of the aggregate Stated Principal Balance of the Group 2 Mortgage Loans at the Cut-off Date. For federal income tax purposes, the purchase by the related Terminator of the Mortgage Loans and the REO Properties underlying the Certificates is intended to facilitate a redemption of such Certificates pursuant to a “cleanup call” within the meaning of Treasury regulation section 1.860G-2(j). Notwithstanding the foregoing, the applicable Terminator shall
have the right to transfer, sell or assign its rights to purchase the Mortgage Loans and each REO Property remaining in REMIC I-A or REMIC II-A.

 

(e)  Notice of the liquidation of any Certificates shall be given promptly by the Paying Agent by letter to the related Certificateholders (with a copy to the Trustee and the Trust Administrator mailed (a) in the event such notice is given in connection with the purchase of either the Group 1 Mortgage Loans or the Group 2 Mortgage Loans and each related REO Property remaining in REMIC I-A or REMIC II-A, as applicable, by the related Terminator, not earlier than the 15th day and not later than the 25th day of the month next preceding the month of the final distribution on the related Certificates or (b) otherwise during the month of such final distribution on or before the Determination Date in such month,
in each case specifying (i) the Distribution Date upon which REMIC I-A or REMIC II-A, as applicable, will terminate and final payment of the Group 1 Certificates or the Group 2 Certificates, as applicable, will be made upon presentation and surrender of the Certificates at the office of the Certificate Registrar therein designated, (ii) the amount of any such final payment, (iii) that no interest shall accrue in respect of the Certificates from and after the Interest Accrual Period relating to the final Distribution Date therefor and (iv) that the Record Date otherwise applicable to such Distribution Date is not applicable, payments being made only upon presentation and surrender of the Certificates at the office of the Certificate Registrar. In the event such notice is given in connection with the purchase of all of the Group 1 Mortgage Loans or the Group 2 Mortgage Loans and each related REO Property remaining in REMIC I-A or REMIC II-A, as applicable, by the related Terminator, the related
Terminator shall deliver to the Paying Agent for deposit in the Distribution Account (with notice to the Trustee and the Trust Administrator) not later than the last Business Day of the month next preceding the month in which such distribution will be made an amount in immediately available funds equal to the Group 1 Termination Price or the Group 2 Termination Price, as applicable. Upon certification to the Trustee by a Servicing Officer of the making of such final deposit, the Trustee shall promptly release or cause to be released to the related Terminator the Mortgage Files for the remaining Group 1 Mortgage Loans or Group 2 Mortgage Loans, as applicable, and the Trustee shall execute all assignments, endorsements and other instruments delivered to it which are necessary to effectuate such transfer.

 

(f)  Upon receipt of notice by the Paying Agent of the presentation of the Certificates by the Certificateholders on the related final Distribution Date to the Certificate Registrar, the Paying Agent shall distribute to each Certificateholder so presenting and surrendering its Certificates the amount otherwise distributable on such Distribution Date in accordance with Section 4.01 in respect of the Certificates so presented and surrendered. Any funds not distributed to any Holder or Holders of Certificates being retired on such Distribution Date because of the failure of such Holder or Holders to tender their Certificates shall, on such date, be set aside and held in trust by the Paying Agent and credited
to the account of the appropriate non-tendering Holder or Holders. If any Certificates as to which notice has been given pursuant to this Section 9.01 shall not have been surrendered for cancellation within six months after the time specified in such notice, the Paying Agent shall mail a second notice to the remaining non-tendering Certificateholders to surrender their Certificates for cancellation in order to receive the final distribution with respect thereto. If within one year after the second notice all such Certificates shall not have been surrendered for cancellation, the Paying Agent shall, directly or through an agent, mail a final notice to remaining related non-tendering Certificateholders concerning surrender of their Certificates. The costs and expenses of maintaining the funds in trust and of contacting such Certificateholders shall be paid out of the assets remaining in the trust funds. If within one year after the final notice any such Certificates shall not have been surrendered for
cancellation, the Paying Agent shall pay to Citigroup Global Markets Inc. all such amounts, and all rights of non-tendering Certificateholders in or to such amounts shall thereupon cease. No interest shall accrue or be payable to any Certificateholder on any amount held in trust by the Paying Agent as a result of such Certificateholder’s failure to surrender its Certificate(s) for final payment thereof in accordance with this Section 9.01.

 

Immediately following the deposit of funds in trust hereunder in respect of each of the Group 1 Certificates and the Group 2 Certificates, the Trust Fund shall terminate. In no event shall the trust created hereby continue beyond the earlier of (a) the Latest Possible Maturity Date and (b) 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.

 

	SECTION 9.02  	
Additional Termination Requirements.

 

(a)  In the event that the related Terminator purchases all the Group 1 Mortgage Loans and each related REO Property or all the Group 2 Mortgage Loans and each related REO Property, REMIC I-A (in the case of a purchase of all the Group 1 Mortgage Loans and each related REO Property) or REMIC II-A (in the case of a purchase of all the Group 2 Mortgage Loans and each related REO Property) shall be terminated, in each case in accordance with the following additional requirements (or in connection with the final payment on or other liquidation of the last Group 1 Mortgage Loan or related REO Property remaining in REMIC I-A or the last Group 2 Mortgage Loan or related REO Property remaining in REMIC II-A, the
additional requirement specified in clause (i) below):

 

(i)  The Trust Administrator shall specify the first day in the 90-day liquidation period in a statement attached to REMIC I-A’s or REMIC II-A’s, as applicable, final Tax Return pursuant to Treasury regulation Section 1.860F-1, and such termination shall satisfy all requirements of a qualified liquidation under Section 860F of the Code and any regulations thereunder, as evidenced by an Opinion of Counsel obtained at the expense of the Master Servicer;

 

(ii)  During such 90-day liquidation period, and at or prior to the time of making of the final payment on the Certificates, the Trust Administrator on behalf of the Trustee shall sell all of the assets of REMIC I-A or REMIC II-A, as applicable, to the related Terminator for cash; and

 

(iii)  At the time of the making of the final payment on the related Certificates, the Paying Agent shall distribute or credit, or cause to be distributed or credited, to the Holders of the Class 1-R Certificates all cash on hand in REMIC I-A and to the Holders of the Class 2-R Certificates all cash on hand in REMIC II-A (in each case other than cash retained to meet claims), and either REMIC I-A or REMIC II-A, as applicable, shall terminate at that time.

 

(b)  At the expense of the related Terminator (or in the event of termination under Section 9.01(a)(ii) or Section 9.01(b)(ii), at the expense of the Trust Administrator), the Trust Administrator shall prepare or cause to be prepared the documentation required in connection with the adoption of a plan of liquidation of each REMIC, as applicable, pursuant to this Section 9.02.

 

(c)  By their acceptance of Certificates, the Holders thereof hereby agree to authorize the Trust Administrator to specify the 90-day liquidation period for each REMIC, as applicable, which authorization shall be binding upon all successor Certificateholders.

 

 

 

ARTICLE X

REMIC PROVISIONS

 

	SECTION 10.01  	
REMIC Administration.

 

(a)  The Trustee shall elect to treat each REMIC created hereunder as a REMIC under the Code and, if necessary, under applicable state law. Such election will be made by the Trust Administrator on behalf of the Trustee on Form 1066 or other appropriate federal tax or information return or any appropriate state return for the taxable year ending on the last day of the calendar year in which the Certificates are issued. For the purposes of the REMIC election in respect of REMIC I-A, the REMIC I-A Regular Interests shall be designated as the Regular Interests in REMIC I-A and the Class R-IA Residual Interest shall be designated as the Residual Interests in REMIC I-A. For the purposes of the REMIC election in
respect of REMIC I-B, the REMIC I-B Regular Interests shall be designated as the Regular Interests in REMIC I-B and the Class R-IB Residual Interest shall be designated as the Residual Interests in REMIC I-B. For the purposes of the REMIC election in respect of REMIC I-C, the Group 1 Certificates (other than the Class 1-R Certificates) shall be designated as the Regular Interests in REMIC I-C and the Class R-IC Residual Interest shall be designated as the Residual Interest in REMIC I-C. Neither the Trustee nor the Trust Administrator shall permit the creation of any “interests” in REMIC I-A, REMIC I-B or REMIC I-C (within the meaning of Section 860G of the Code) other than the REMIC I-A Regular Interests, REMIC I-B Regular Interests and the Group 1 Certificates. For the purposes of the REMIC election in respect of REMIC II-A, the REMIC II-A Regular Interests shall be designated as the Regular Interests in REMIC II-A and the Class R-IIA Residual Interest shall be designated as the Residual
Interests in REMIC II-A. For the purposes of the REMIC election in respect of REMIC II-B, the REMIC II-B Regular Interests shall be designated as the Regular Interests in REMIC II-B and the Class R-IIB Residual Interest shall be designated as the Residual Interests in REMIC II-B. For the purposes of the REMIC election in respect of REMIC II-C, the Group 2 Certificates (other than the Class 2-R Certificates) shall be designated as the Regular Interests in REMIC II-C and the Class R-IIC Residual Interest shall be designated as the Residual Interest in REMIC II-C. Neither the Trustee nor the Trust Administrator shall permit the creation of any “interests” in REMIC II-A, REMIC II-B or REMIC II-C (within the meaning of Section 860G of the Code) other than the REMIC II-A Regular Interests, REMIC II-B Regular Interests and the Group 2 Certificates. The Trustee shall elect to treat each REMIC created hereunder as a REMIC under the Code and, if necessary, under applicable state law. Such election
will be made by the Trust Administrator on behalf of the Trustee on Form 1066 or other appropriate federal tax or information return or any appropriate state return for the taxable year ending on the last day of the calendar year in which the Certificates are issued.

 

(b)  The Closing Date is hereby designated as the “Startup Day” of each REMIC created hereunder within the meaning of Section 860G(a)(9) of the Code.

 

(c)  The Trust Administrator shall pay any and all expenses relating to any tax audit of the Trust Fund (including, but not limited to, any professional fees or any administrative or judicial proceedings with respect to any Trust REMIC that involve the Internal Revenue Service or state tax authorities), and shall be entitled to reimbursement from the Trust therefor to the extent permitted under Section 8.05. The Trust Administrator, as agent for any Trust REMIC’s tax matters person, shall (i) act on behalf of the Trust Fund in relation to any tax matter or controversy involving any Trust REMIC 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 Holder of the largest Percentage Interest of the Residual Certificates shall be designated, in the manner provided under Treasury regulations section 1.860F-4(d) and Treasury regulations section 301.6231(a)(7)-1, as the tax matters person of the REMIC created hereunder. By its acceptance thereof, the Holder of the largest Percentage Interest of the Residual Certificates hereby agrees to irrevocably appoint the Trust Administrator or an Affiliate as its agent to perform all of the duties of the tax matters person for the Trust Fund.

 

(d)  The Trust Administrator shall prepare and the Trustee at the direction of the Trust Administrator shall sign and the Trust Administrator shall file all of the Tax Returns in respect of the REMIC created hereunder. The expenses of preparing and filing such returns shall be borne by the Trust Administrator without any right of reimbursement therefor. The Master Servicer shall provide on a timely basis to the Trust Administrator or its designee such information with respect to the assets of the Trust Fund as is in its possession and reasonably required by the Trust Administrator to enable it to perform its obligations under this Article.

 

(e)  The Trust Administrator shall perform on behalf of any Trust REMIC all reporting and other tax compliance duties that are the responsibility of the REMIC under the Code, the REMIC Provisions or other compliance guidance issued by the Internal Revenue Service or any state or local taxing authority including the filing of Form 8811 with the Internal Revenue Service within 30 days following the Closing Date. Among its other duties, as required by the Code, the REMIC Provisions or other such compliance guidance, the Trust Administrator shall provide (i) to any Transferor of a Residual Certificate such information as is necessary for the application of any tax relating to the transfer of a Residual
Certificate to any Person who is not a Permitted Transferee, (ii) to the Certificateholders such information or reports as are required by the Code or the REMIC Provisions including reports relating to interest, original issue discount and market discount or premium (using the Prepayment Assumption as required) and (iii) to the Internal Revenue Service the name, title, address and telephone number of the person who will serve as the representative of any Trust REMIC. The Master Servicer shall provide on a timely basis to the Trust Administrator such information with respect to the assets of the Trust Fund, including, without limitation, the Mortgage Loans, as is in its possession and reasonably required by the Trust Administrator to enable it to perform its obligations under this subsection. In addition, the Depositor shall provide or cause to be provided to the Trust Administrator, within ten (10) days after the Closing Date, all information or data that the Trust Administrator reasonably determines
to be relevant for tax purposes as to the valuations and issue prices of the Certificates, including, without limitation, the price, yield, Prepayment Assumption and projected cash flow of the Certificates.

 

(f)  The Master Servicer, the Trustee and the Trust Administrator shall take such action and shall cause any Trust REMIC to take such action as shall be necessary to create or maintain the status thereof as a REMIC under the REMIC Provisions. The Master Servicer, the Trustee and the Trust Administrator shall not take any action, cause the Trust Fund to take any action or fail to take (or fail to cause to be taken) any action that, under the REMIC Provisions, if taken or not taken, as the case may be, could (i) endanger the status of any Trust REMIC as a REMIC or (ii) result in the imposition of a tax upon the Trust Fund (including but not limited to the tax on prohibited transactions as defined in Section
860F(a)(2) of the Code and the tax on contributions to a REMIC set forth in Section 860G(d) of the Code) (either such event, an “Adverse REMIC Event”) unless the Trustee and the Trust Administrator have received an Opinion of Counsel, addressed to the Trustee and the Trust Administrator (at the expense of the party seeking to take such action but in no event at the expense of the Trust Administrator or the Trustee) to the effect that the contemplated action will not, with respect to any Trust REMIC, endanger such status or result in the imposition of such a tax, nor shall the Master Servicer take or fail to take any action (whether or not authorized hereunder) as to which the Trustee or the Trust Administrator has advised it in writing that it has received an Opinion of Counsel to the effect that an Adverse REMIC Event could occur with respect to such action. In addition, prior to taking any action with respect to any Trust REMIC or its assets, or causing any Trust REMIC to take any action,
which is not contemplated under the terms of this Agreement, the Master Servicer will consult with the Trustee and the Trust Administrator or their designee, in writing, with respect to whether such action could cause an Adverse REMIC Event to occur with respect to any Trust REMIC, and the Master Servicer shall not take any such action or cause any Trust REMIC to take any such action as to which the Trustee or the Trust Administrator has advised it in writing that an Adverse REMIC Event could occur. The Trust Administrator and the Trustee 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 permitted by this Agreement, but in no event shall such cost be an expense of the Trustee or the Trust Administrator. At all times as may be required by the Code, the Trust Administrator, the Trustee or the Master Servicer will ensure that substantially all of the assets of any Trust REMIC will consist of “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 the REMIC created hereunder as defined in Section 860F(a)(2) of the Code, on the “net income from foreclosure property” of the REMIC as defined in Section 860G(c) of the Code, on any contributions to the REMIC after the Startup Day therefor pursuant to Section 860G(d) of the Code, or any other tax is imposed by the Code or any applicable provisions of state or local tax laws, such tax shall be charged (i) to the Trust Administrator pursuant to Section 10.03 hereof, if such tax arises out of or results from a breach by the Trust Administrator of any of its obligations under this Article X, (ii) to the Trustee
pursuant to Section 10.03 hereof, if such tax arises out of or results from a breach by the Trustee of any of its obligations under this Article X, (iii) to the Master Servicer pursuant to Section 10.03 hereof, if such tax arises out of or results from a breach by the Master Servicer of any of its obligations under Article III or this Article X, (iv) to the Paying Agent pursuant to Section 10.03 hereof, if such tax arises out of or results from a breach by the Paying Agent of any of its obligations under this Article X, or otherwise (v) against amounts on deposit in the Distribution Account and shall be paid by withdrawal therefrom.

 

(h)  [Reserved].

 

(i)  The Trust Administrator shall, for federal income tax purposes, maintain books and records with respect to any Trust REMIC on a calendar year and on an accrual basis.

 

(j)  Following the Startup Day, the Master Servicer, the Trustee and the Trust Administrator shall not accept any contributions of assets to any Trust REMIC other than in connection with any Qualified Substitute Mortgage Loan delivered in accordance with Section 2.03 unless it shall have received an Opinion of Counsel to the effect that the inclusion of such assets in the Trust Fund will not cause the REMIC to fail to qualify as a REMIC at any time that any Certificates are outstanding or subject the REMIC to any tax under the REMIC Provisions or other applicable provisions of federal, state and local law or ordinances.

 

(k)  None of the Trustee, the Trust Administrator or the Master Servicer shall enter into any arrangement by which any Trust REMIC will receive a fee or other compensation for services nor permit either such REMIC to receive any income from assets other than “qualified mortgages” as defined in Section 860G(a)(3) of the Code or “permitted investments” as defined in Section 860G(a)(5) of the Code.

 

	SECTION 10.02  	
Prohibited Transactions and Activities.

 

None of the Depositor, the Master Servicer, the Trust Administrator, the Paying Agent or the Trustee shall sell, dispose of or substitute for any of the Mortgage Loans (except in connection with (i) the foreclosure of a Mortgage Loan, including but not limited to, the acquisition or sale of a Mortgaged Property acquired by deed in lieu of foreclosure, (ii) the bankruptcy of any Trust REMIC, (iii) the termination of any Trust REMIC pursuant to Article IX of this Agreement, (iv) a substitution pursuant to Article II of this Agreement or (v) a purchase of Mortgage Loans pursuant to Article II or III of this Agreement), nor acquire any assets for any Trust REMIC (other than REO Property acquired in respect of a defaulted Mortgage Loan), nor sell or dispose of any investments in the Collection Account or the
Distribution Account for gain, nor accept any contributions to any Trust REMIC after the Closing Date (other than a Qualified Substitute Mortgage Loan delivered in accordance with Section 2.03), unless it has received an Opinion of Counsel, addressed to the Trustee and the Trust Administrator (at the expense of the party seeking to cause such sale, disposition, substitution, acquisition or contribution but in no event at the expense of the Trustee or the Trust Administrator) that such sale, disposition, substitution, acquisition or contribution will not (a) affect adversely the status of any Trust REMIC as a REMIC or (b) cause any Trust REMIC to be subject to a tax on “prohibited transactions” or “contributions” pursuant to the REMIC Provisions.

 

	SECTION 10.03  	
Master Servicer and Trust Administrator Indemnification.

 

(a)  The Trust Administrator agrees to indemnify the Trust Fund, 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 Depositor, the Master Servicer or the Trustee as a result of a breach of the Trust Administrator’s covenants set forth in this Article X.

 

(b)  The Master Servicer agrees to indemnify the Trust Fund, the Depositor, the Trust 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 Depositor, the Trust Administrator or the Trustee, as a result of a breach of the Master Servicer’s covenants set forth in Article III or this Article X.

 

 

 

ARTICLE XI

MISCELLANEOUS PROVISIONS

 

	SECTION 11.01  	
Amendment.

 

This Agreement may be amended from time to time by the Depositor, the Master Servicer, the Trustee, the Paying Agent, the Certificate Registrar, the Authenticating Agent and the Trust Administrator without the consent of any of the Certificateholders, (i) to cure any ambiguity or defect, (ii) to correct, modify or supplement any provisions herein (including to give effect to the expectations of Certificateholders) or (iii) to make any other provisions with respect to matters or questions arising under this Agreement which shall not be inconsistent with the provisions of this Agreement, provided that such action shall not, as evidenced by either (a) an Opinion of Counsel delivered to the Trustee and the Trust Administrator or (b) written notice to the Depositor, the Servicer, the Trustee and the Trust
Administrator from the Rating Agencies that such action will not result in the reduction or withdrawal of the rating of any outstanding Class of Certificates with respect to which it is a Rating Agency, adversely affect in any material respect the interests of any Certificateholder. No amendment shall be deemed to adversely affect in any material respect the interests of any Certificateholder who shall have consented thereto, and no Opinion of Counsel or Rating Agency confirmation shall be required to address the effect of any such amendment on any such consenting Certificateholder.

 

This Agreement may also be amended from time to time by the Depositor, the Master Servicer, the Trustee, the Paying Agent, the Certificate Registrar, the Authenticating Agent and the Trust Administrator with the consent of the Holders of Certificates entitled to at least 66% of the Voting Rights for the purpose of adding any provisions to or changing in any manner or eliminating any of the provisions of this Agreement or of modifying in any manner the rights of the Holders of Certificates; provided, however, that no such amendment shall (i) reduce in any manner the amount of, or delay the timing of, payments received on Mortgage Loans which are required to be distributed on any Certificate without the consent of the Holder of such Certificate, (ii) adversely affect in any material respect the interests of the
Holders of any Class of Certificates in a manner, other than as described in (i), without the consent of the Holders of Certificates of such Class evidencing at least 66% of the Voting Rights allocated to such Class, or (iii) modify the consents required by the immediately preceding clauses (i) and (ii) without the consent of the Holders of all Certificates then outstanding. Notwithstanding any other provision of this Agreement, for purposes of the giving or withholding of consents pursuant to this Section 11.01, Certificates registered in the name of the Depositor or the Master Servicer or any Affiliate thereof shall be entitled to Voting Rights with respect to matters affecting such Certificates.

 

Notwithstanding any contrary provision of this Agreement, the Trust Administrator shall not consent to any amendment to this Agreement unless it shall have first received an Opinion of Counsel to the effect that such amendment will not result in the imposition of any tax on any Trust REMIC pursuant to the REMIC Provisions or cause any Trust REMIC to fail to qualify as a REMIC at any time that any Certificates are outstanding.

 

Prior to executing any amendment pursuant to this Section, the Trust Administrator shall be entitled to receive an Opinion of Counsel (provided by the Person requesting such amendment) to the effect that such amendment is authorized or permitted by this Agreement.

 

Promptly after the execution of any such amendment the Trust Administrator shall furnish a copy 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 Trust Administrator may prescribe.

 

The cost of any Opinion of Counsel to be delivered pursuant to this Section 11.01 shall be borne by the Person seeking the related amendment, but in no event shall such Opinion of Counsel be an expense of the Trustee or the Trust Administrator.

 

Notwithstanding the foregoing, each of the Trustee, the Paying Agent, the Certificate Registrar, the Authenticating Agent and Trust Administrator may, but shall not be obligated to enter into any amendment pursuant to this Section that affects its rights, duties and immunities under this Agreement or otherwise.

 

	SECTION 11.02  	
Recordation of Agreement; Counterparts.

 

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 at the expense of the Certificateholders, but only upon direction of Certificateholders accompanied by an Opinion of Counsel to the effect that such recordation materially and beneficially affects the interests of the Certificateholders.

 

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

 

	SECTION 11.03  	
Limitation on Rights of Certificateholders.

 

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 the parties hereto or any of them.

 

No Certificateholder shall have any right to vote (except as expressly provided for 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 any of the Certificates, be construed so as to constitute the Certificateholders from time to time as partners or members of an association; nor shall any Certificateholder be under any liability to any third person by reason of any action taken by the parties to this Agreement pursuant to any provision hereof.

 

No Certificateholder shall have any right by virtue 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 (i) such Holder previously shall have given to the Trustee a written notice of default and of the continuance thereof, as hereinbefore provided, and (ii) the Holders of Certificates entitled to at least 25% of the Voting Rights 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 indemnity satisfactory to it against the costs, expenses and liabilities to be incurred therein or thereby, and the Trustee, for 15 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 is understood and intended, and expressly covenanted by each Certificateholder with every other Certificateholder and the Trustee, that no one or more Holders of Certificates shall have any right in any manner whatsoever by virtue of any provision of this Agreement to affect, disturb or prejudice the rights of the Holders of any other of such Certificates, or to obtain or seek to obtain priority over or preference to any other such Holder, or to enforce any right under this Agreement, except in the manner herein provided and for the equal, ratable and common benefit of all Certificateholders. For the protection and enforcement of the provisions of this Section, 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 shall be construed in accordance with the laws of the State of New York and the obligations, rights and remedies of the parties hereunder shall be determined in accordance with such laws.

 

	SECTION 11.05  	
Notices.

 

All directions, demands and notices hereunder shall be sent (i) via facsimile (with confirmation of receipt) or (ii) in writing and shall be deemed to have been duly given when received if personally delivered at or mailed by first class mail, postage prepaid, or by express delivery service or delivered in any other manner specified herein, to (a) in the case of the Depositor, 390 Greenwich Street, New York, New York 10013, Attention: Mortgage Finance Group (telecopy number (212) 723-8604), or such other address or telecopy number as may hereafter be furnished to the Master Servicer, the Trust Administrator, the Paying Agent, the Certificate Registrar, the Authenticating Agent and the Trustee in writing by the Depositor, (b) in the case of the Master Servicer, Master Servicing Division - MC: N3B-355M, 4000
Regent Blvd., Irvine, TX 75063 (Attention: Compliance Manager), facsimile no.: (469) 220-1573 (with a copy to, 1000 Technology Drive, O’Fallon, MO 63368, Attention: Chief Legal Counsel (facsimile no.: (636) 261-6518)), or such other address or facsimile number as may hereafter be furnished to the Trustee, the Trust Administrator, the Paying Agent, the Certificate Registrar, the Authenticating Agent and the Depositor in writing by the Master Servicer, (c) in the case of the Trust Administrator, 1000 Technology Drive, M.S. 337, O’Fallon, Missouri 63368, Attention: Mortgage Finance (telecopy number (636) 261-1394), or such other address or telecopy number as may hereafter be furnished to the Trustee, the Trust Administrator, the Paying Agent, the Certificate Registrar, the Authenticating Agent and the Depositor in writing by the Master Servicer (d) in the case of the Paying Agent, the Authenticating Agent and the Certificate Registrar, 388 Greenwich Street, 14th Floor, New York, New York 10013, Attention: Citibank Agency & Trust, CMLTI 2006-AR7, (telephone number (212) 816-5680), or such other address or telecopy number as may hereafter be furnished to the Master Servicer, the Depositor, the Trust Administrator and the Trustee in writing by the Paying Agent, the Certificate Registrar or the Authenticating Agent and (e) in the case of the Trustee, U.S. Bank National Association, One Federal Street, 3rd Floor, Boston, Massachusetts 02110, Attention: Corporate Trust Services (telecopy number (617) 603-6638), or such other address or telecopy number as may hereafter be furnished to the Master Servicer, the Trust Administrator, the
Paying Agent, the Certificate Registrar, the Authenticating Agent and the Depositor in writing by the Trustee. Any notice required or permitted to be given 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 when mailed, whether or not the Certificateholder receives such notice. A copy of any notice required to be telecopied hereunder also shall be mailed to the appropriate party in the manner set forth above.

 

	SECTION 11.06  	
Severability of Provisions.

 

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

 

	SECTION 11.07  	
Notice to Rating Agencies.

 

The Trust Administrator shall use its best efforts promptly to provide notice to the Rating Agencies, and each of the Master Servicer and the Paying Agent shall use its best efforts promptly to provide notice to the Trust Administrator, with respect to each of the following of which the Trust Administrator, the Master Servicer or the Paying Agent, as applicable, has actual knowledge:

 

1. Any material change or amendment to this Agreement;

 

2. The occurrence of any Master Servicer Event of Default that has not been cured or waived;

 

3. The resignation or termination of the Master Servicer, the Trust Administrator, the Paying Agent, the Certificate Registrar, the Authenticating Agent or the Trustee;

 

4. The repurchase or substitution of Mortgage Loans pursuant to or as contemplated by Section 2.03;

 

5. The final payment to the Holders of any Class of Certificates;

 

6. Any change in the location of the Collection Account or the Distribution Account;

 

7. Any event that would result in the inability of the Trustee, were it to succeed as Master Servicer, to make advances regarding delinquent Mortgage Loans; and

 

8. The filing of any claim under the Master Servicer’s blanket bond and errors and omissions insurance policy required by Section 3.14 or the cancellation or material modification of coverage under any such instrument.

 

In addition, the Trust Administrator shall make available to the Rating Agencies copies of each report to Certificateholders described in Section 4.02 and the Master Servicer shall promptly furnish to the Rating Agencies copies of the following:

 

1. Each Annual Statement of Compliance described in Section 3.20; and

 

2. Each Compliance Assessment and Attestation Report described in Section 3.21.

 

Any such notice pursuant to this Section 11.07 shall be in writing and shall be deemed to have been duly given if personally delivered at or mailed by first class mail, postage prepaid, or by express delivery service to Standard & Poor’s Ratings Services, a division of the McGraw-Hill Companies, Inc., 55 Water Street, New York, New York 10004; and to Fitch Ratings, One State Street Plaza, New York, New York 10007, or such other addresses as the Rating Agencies may designate in writing to the parties hereto.

 

	SECTION 11.08  	
Article and Section References.

 

All article and section references used in this Agreement, unless otherwise provided, are to articles and sections in this Agreement.

 

	SECTION 11.09  	
Grant of Security Interest.

 

It is the express intent of the parties hereto that the conveyance of the Mortgage Loans by the Depositor to the Trustee be, and be construed as, a sale of the Mortgage Loans by the Depositor and not a pledge of the Mortgage Loans by the Depositor to secure a debt or other obligation of the Depositor. However, in the event that, notwithstanding the aforementioned intent of the parties, the Mortgage Loans are held to be property of the Depositor, then, (a) it is the express intent of the parties that such conveyance be deemed a pledge of the Mortgage Loans by the Depositor to the Trustee to secure a debt or other obligation of the Depositor and (b)(1) this Agreement shall also be deemed to be a security agreement within the meaning of Articles 8 and 9 of the Uniform Commercial Code as in effect from time to time
in the State of New York; (2) the conveyance provided for in Section 2.01 hereof shall be deemed to be a grant by the Depositor to the Trustee of a security interest in all of the Depositor’s right, title and interest in and to the Mortgage Loans and all amounts payable to the holders of the Mortgage Loans in accordance with the terms thereof and all proceeds of the conversion, voluntary or involuntary, of the foregoing into cash, instruments, securities or other property, including without limitation all amounts, other than investment earnings, from time to time held or invested in the Collection Account and the Distribution Account, whether in the form of cash, instruments, securities or other property; (3) the obligations secured by such security agreement shall be deemed to be all of the Depositor’s obligations under this Agreement, including the obligation to provide to the Certificateholders the benefits of this Agreement relating to the Mortgage Loans and the Trust Fund; and (4)
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, financial intermediaries, bailees or agents (as applicable) of the Trustee for the purpose of perfecting such security interest under applicable law. Accordingly, the Depositor hereby grants to the Trustee a security interest in the Mortgage Loans and all other property described in clause (2) of the preceding sentence, for the purpose of securing to the Trustee the performance by the Depositor of the obligations described in clause (3) of the preceding sentence. Notwithstanding the foregoing, the parties hereto intend the conveyance pursuant to Section 2.01 to be a true, absolute and unconditional sale of the Mortgage Loans and assets constituting the Trust Fund by the Depositor to the Trustee.

 

	SECTION 11.10  	
Intention of the Parties and Interpretation.

 

Each of the parties acknowledges and agrees that the purpose of Sections 3.20, 3.21 and 4.06 of this Agreement is to facilitate compliance by the Depositor with the provisions of Regulation AB promulgated by the Commission under the 1934 Act (17 C.F.R. §§ 229.1100 - 229.1123), as such may be amended from time to time and subject to clarification and interpretive advice as may be issued by the staff of the Commission from time to time. Therefore, each of the parties agrees that (a) the obligations of the parties hereunder shall be interpreted in such a manner as to accomplish that purpose, (b) the parties’ obligations hereunder will be supplemented and modified as necessary to be consistent with any such amendments, interpretive advice or guidance, convention or consensus among active participants
in the asset-backed securities markets, opinion of counsel, or otherwise in respect of the requirements of Regulation AB, (c) the parties shall comply with requests made by the Depositor for delivery of additional or different information, to the extent that such information is available or reasonably attainable, as the Depositor may determine in good faith is necessary to comply with the provisions of Regulation AB, and (d) no amendment of this Agreement shall be required to effect any such changes in the parties’ obligations as are necessary to accommodate evolving interpretations of the provisions of Regulation AB; provided, however, that any such changes shall require the consent of each of the parties hereto.

 

All percentages of Voting Rights referred to herein shall be deemed, with respect to matters affecting the related Collateral Pool and the related Certificates, to mean percentages of the Voting Rights with respect to such related Certificates. 

 

IN WITNESS WHEREOF, the Depositor, the Master Servicer, the Trust Administrator, the Paying Agent, the Authenticating Agent, the Certificate Registrar and the Trustee have caused their names to be signed hereto by their respective officers thereunto duly authorized, in each case as of the day and year first above written.

 

	 	 	 	 	 	 	 	
CITIGROUP MORTGAGE LOAN TRUST INC.,

as Depositor

	 	 	 	 	 	 	 	 	 	 	 	 	 	 
	 	 	 	 	 	 	 	 	 	 	 	 	 	 
	 	 	 	 	 	 	 	
By:
	
/s/ Peter D. Steinmetz

	 	 	 	 	 	 	 	
Name:
	
Peter D. Steinmetz

	 	 	 	 	 	 	 	
Title:
	
Vice President

	 	 	 	 	 	 	 	 	 
	 	 	 	 	 	 	 	 	 
	 	 	 	 	 	 	 	 	 
	 	 	 	 	 	 	 	
CITIMORTGAGE, INC.,

as Master Servicer and Trust Administrator

	 	 	 	 	 	 	 	 	 
	 	 	 	 	 	 	 	 	 
	 	 	 	 	 	 	 	
By:
	
/s/ Tommy R. Harris

	 	 	 	 	 	 	 	
Name:
	
Tommy R. Harris

	 	 	 	 	 	 	 	
Title:
	
Senior Vice President

	 	 	 	 	 	 	 	 	 
	 	 	 	 	 	 	 	 	 
	 	 	 	 	 	 	 	 	 
	 	 	 	 	 	 	 	
CITIBANK, N.A.,

as Paying Agent, Certificate Registrar and Authenticating Agent

	 	 	 	 	 	 	 	 	 
	 	 	 	 	 	 	 	 	 
	 	 	 	 	 	 	 	
By:
	
/s/ Jennifer McCourt

	 	 	 	 	 	 	 	
Name:
	
Jennifer McCourt

	 	 	 	 	 	 	 	
Title:
	
Vice President

	 	 	 	 	 	 	 	 	 
	 	 	 	 	 	 	 	 	 
	 	 	 	 	 	 	 	 	 
	 	 	 	 	 	 	 	
U.S. BANK NATIONAL ASSOCIATION, not in its individual capacity but solely as Trustee

	 	 	 	 	 	 	 	 	 
	 	 	 	 	 	 	 	 	 
	 	 	 	 	 	 	 	
By:
	
/s/ Clare M. O’Brien

	 	 	 	 	 	 	 	
Name:
	
Clare M. O’Brien

	 	 	 	 	 	 	 	
Title:
	
Vice President

 

	
For purposes of Sections 6.06, 6.07 and 6.08:

	 
	
CLAYTON FIXED INCOME SERVICES INC.

	 
	 
	
By: ________________________

	
Name: 

	
Title:  

 

 

 

 

 

	
STATE OF NEW YORK
	
)
	 
	 	
)
	
ss.:

	
COUNTY OF NEW YORK
	
)
	 

On the ____ day of October 2006, before me, a notary public in and for said State, personally appeared _____________________, known to me to be an _____________________ of Citigroup Mortgage Loan Trust Inc., one of the corporations that executed the within instrument, and also known to me to be the person who executed it on behalf of said corporation, and acknowledged to me that such corporation executed the within instrument.

 

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

 

 

	 	 
	 	
Notary Public

 

[Notarial Seal]

 

	
STATE OF_____________
	
)
	 
	 	
)
	
ss.:

	
COUNTY OF___________
	
)
	 

 

On the ____ day of October 2006, before me, a notary public in and for said State, personally appeared _____________________, known to me to be a _____________________ of CitiMortgage, Inc., one of the corporations that executed the within instrument, and also known to me to be the person who executed it on behalf of said corporation, and acknowledged to me that such corporation executed the within instrument.

 

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

 

 

	 	 
	 	
Notary Public

 

[Notarial Seal]

 

	
STATE OF NEW YORK
	
)
	 
	 	
)
	
ss.:

	
COUNTY OF NEW YORK
	
)
	 

 

On the ____ day of October 2006, before me, a notary public in and for said State, personally appeared _____________________, known to me to be an _____________________ of Citibank, 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 the day and year in this certificate first above written.

 

 

	 	 
	 	
Notary Public

 

[Notarial Seal]

 

	
STATE OF_____________
	
)
	 
	 	
)
	
ss.:

	
COUNTY OF___________
	
)
	 

 

On the ____ day of October, 2006, before me, a notary public in and for said State, personally appeared _____________________, known to me to be a _____________________ of U.S. Bank National Association, one of the entities 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 entity executed the within instrument.

 

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

 

 

	 	 
	 	
Notary Public

 

[Notarial Seal]

 

 

 

EXHIBIT A-1

 

FORM OF CLASS 1-A1 CERTIFICATE

 

UNLESS THIS CERTIFICATE IS PRESENTED BY AN AUTHORIZED REPRESENTATIVE OF THE DEPOSITORY TRUST COMPANY, A NEW YORK CORPORATION (“DTC”), TO THE TRUSTEE 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.

 

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”).

 

	
Series 2006-AR7

 

Pass-Through Rate: Variable

 

Cut-off Date and date of Pooling and Servicing Agreement: October 1, 2006

 

First Distribution Date: November 25, 2006

 

No. 1
	
Aggregate Certificate Principal Balance of the Class 1-A1 Certificates as of the Issue Date: $5,545,000.00

 

Denomination: $5,545,000.00

 

Master Servicer: CitiMortgage, Inc.

 

Trust Administrator: CitiMortgage, Inc.

 

Certificate Registrar, Paying Agent and Authenticating Agent: Citibank, N.A.

 

Trustee: U.S. Bank National Association

 

Issue Date: October 31, 2006

 

CUSIP: 172987 AA 7

 

DISTRIBUTIONS IN REDUCTION OF THE CERTIFICATE PRINCIPAL BALANCE OF THIS CERTIFICATE MAY BE MADE MONTHLY AS SET FORTH HEREIN. ACCORDINGLY, THE OUTSTANDING CERTIFICATE PRINCIPAL BALANCE HEREOF AT ANY TIME MAY BE LESS THAN THE AMOUNT SHOWN ABOVE AS THE DENOMINATION OF THIS CERTIFICATE.

 

MORTGAGE PASS-THROUGH CERTIFICATE

 

evidencing a beneficial ownership interest in a Trust Fund (the “Trust Fund”) consisting primarily of a pool of conventional one- to four-family, adjustable-rate and fixed-rate, first lien mortgage loans (the “Mortgage Loans”) formed and sold by

 

CITIGROUP MORTGAGE LOAN TRUST INC.

 

THIS CERTIFICATE DOES NOT REPRESENT AN OBLIGATION OF OR INTEREST IN CITIGROUP MORTGAGE LOAN TRUST INC., THE MASTER SERVICER, THE TRUST ADMINISTRATOR, CITIBANK, N.A., THE TRUSTEE OR ANY OF THEIR RESPECTIVE AFFILIATES. NEITHER THIS CERTIFICATE NOR THE UNDERLYING MORTGAGE LOANS ARE GUARANTEED BY ANY AGENCY OR INSTRUMENTALITY OF THE UNITED STATES.

 

This certifies that Cede & Co. is the registered owner of a Percentage Interest (obtained by dividing the denomination of this Certificate by the aggregate Certificate Principal Balance of the Class 1-A1 Certificates as of the Issue Date) in that certain beneficial ownership interest evidenced by all the Class 1-A1 Certificates in the Trust Fund created pursuant to a Pooling and Servicing Agreement, dated as specified above (the “Agreement”), among Citigroup Mortgage Loan Trust Inc. (hereinafter called the “Depositor,” which term includes any successor entity under the Agreement), the Master Servicer, the Trust Administrator, Citibank, N.A. and 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, distributions 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 (a “Distribution Date”), commencing on the First Distribution Date specified above, to the Person in whose name this Certificate is registered on the Record Date, in an amount equal to the product of the Percentage Interest evidenced by this Certificate and the amount
required to be distributed to the Holders of Class 1-A1 Certificates on such Distribution Date pursuant to the Agreement.

 

All distributions to the Holder of this Certificate under the Agreement will be made or caused to be made by the Paying Agent by wire transfer in immediately available funds to the account of the Person entitled thereto if such Person shall have so notified the Paying Agent in writing at least five Business Days prior to the Record Date immediately prior to such Distribution Date or otherwise by check mailed by first class mail to the address of the Person entitled thereto, as such name and address shall appear on the Certificate Register. Notwithstanding the above, the final distribution on this Certificate will be made after due notice by the Paying Agent of the pendency of such distribution and only upon presentation and surrender of this Certificate at the office or agency appointed by the Paying Agent for
that purpose as provided in the Agreement.

 

This Certificate is one of a duly authorized issue of Certificates designated as Mortgage Pass-Through Certificates of the Series specified on the face hereof (herein called the “Certificates”) and representing the Percentage Interest specified above in the Class of Certificates to which this Certificate belongs.

 

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. As provided in the Agreement, withdrawals from the Collection Account and the Distribution Account may be made from time to time for purposes other than distributions to Certificateholders, such purposes including reimbursement of advances made, or certain expenses incurred, with respect to the Mortgage Loans.

 

The Agreement permits, with certain exceptions therein provided, the amendment thereof and the modification of the rights and obligations of the Depositor, the Master Servicer, the Trust Administrator, Citibank, N.A., the Trustee and the rights of the Certificateholders, under the Agreement at any time by the Depositor, the Master Servicer, the Trust Administrator, Citibank, N.A. and the Trustee with the consent of the Holders of Certificates entitled to at least 66% of the Voting Rights. Any such consent by the Holder of this Certificate shall be conclusive and binding on such Holder and upon all future Holders of this Certificate and of any Certificate issued upon the transfer hereof or in exchange herefor or in lieu hereof whether or not notation of such consent is made upon this Certificate. The Agreement
also permits the amendment thereof, in certain limited circumstances, without the consent of the Holders of any of the Certificates.

 

As provided in the 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 Certificate Registrar as provided in the Agreement, duly endorsed by, or accompanied by an assignment in the form below or other written instrument of transfer in form satisfactory to 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 the same Class in authorized denominations evidencing the same aggregate Percentage Interest will be issued to the designated transferee or transferees.

 

The Certificates are issuable in fully registered form only without coupons in Classes and denominations representing Percentage Interests specified in the Agreement. As provided in the Agreement and subject to certain limitations therein set forth, the Certificates are exchangeable for new Certificates of the same Class in authorized denominations evidencing the same 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 of Certificates, but the Certificate Registrar may require payment of a sum sufficient to cover any tax or other governmental charge that may be imposed in connection with any transfer or exchange of Certificates.

 

The Depositor, the Master Servicer, the Trust Administrator, Citibank, N.A., the Trustee and any agent of the Depositor, the Master Servicer, the Trust Administrator, Citibank, N.A. or the Trustee may treat the Person in whose name this Certificate is registered as the owner hereof for all purposes, and none of the Depositor, the Master Servicer, the Trust Administrator, Citibank, N.A., the Trustee nor any such agent shall be affected by notice to the contrary.

 

The obligations created by the Agreement and the Trust Fund created thereby shall terminate upon payment to the Certificateholders of all amounts held by the Trustee and required to be paid to them pursuant to the Agreement following the earlier of (i) the final payment or other liquidation (or any advance with respect thereto) of the last Mortgage Loan and REO Property remaining in the Trust Fund and (ii) the purchase by the party designated in the Agreement at a price determined as provided in the Agreement from the Trust Fund of all the Mortgage Loans and all property acquired in respect of such Mortgage Loans. The Agreement permits, but does not require, the party designated in the Agreement to purchase from the Trust Fund all the Mortgage Loans in the Collateral Pool relating to this Certificate and all
property acquired in respect of any Mortgage Loan in such Collateral Pool at a price determined as provided in the Agreement. The exercise of such right will effect early retirement of the Certificates relating to such Collateral Pool; however, such right to purchase is subject to the aggregate Stated Principal Balance of the Mortgage Loans in such Collateral Pool at the time of purchase being less than 5% of the aggregate principal balance of the Mortgage Loans in such Collateral Pool as of the Cut-off Date.

 

The recitals contained herein shall be taken as statements of the Depositor, and the Trustee assumes no responsibility for their correctness.

 

Unless the certificate of authentication hereon has been executed by the Authenticating Agent, by manual signature, this Certificate shall not be entitled to any benefit under the Agreement or be valid for any purpose.

IN WITNESS WHEREOF, the Paying Agent has caused this Certificate to be duly executed.

 

Dated: October ___, 2006

 

	 	 	 	 	 	 	 	
CITIBANK, N.A., not in its individual

capacity, but solely as Paying Agent

	 	 	 	 	 	 	 	 	 	 	 	 	 	 
	 	 	 	 	 	 	 	 	 	 	 	 	 	 
	 	 	 	 	 	 	 	
By:
	 
	 	 	 	 	 	 	 	 	
Authorized Officer

CERTIFICATE OF AUTHENTICATION

 

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

 

	 	 	 	 	 	 	 	
CITIGROUP MORTGAGE LOAN TRUST

INC., MORTGAGE PASS THROUGH

CERTIFICATES, SERIES 2006-AR7

 

CITIBANK, N.A., not in its individual

capacity, but solely as Authenticating Agent

	 	 	 	 	 	 	 	 	 	 	 	 	 	 
	 	 	 	 	 	 	 	 	 	 	 	 	 	 
	 	 	 	 	 	 	 	
By:
	 
	 	 	 	 	 	 	 	 	
Authorized Officer

 

ABBREVIATIONS

 

The following abbreviations, when used in the inscription on the face of this instrument, shall be construed as though they were written out in full according to applicable laws or regulations:

 

	
TEN COM -
	
as tenants in common
	
UNIF GIFT MIN ACT - Custodian

	 	 	 	 
	
TEN ENT -
	
as tenants by the entireties
	
(Cust) (Minor) under

Uniform Gifts to Minors Act

	 	 	 	 
	
JT TEN -
	
as joint tenants with right of survivorship and not as tenants in common
	 	
State

Additional abbreviations may also be used though not in the above list.

 

ASSIGNMENT

 

FOR VALUE RECEIVED, the undersigned hereby sell(s), assign(s) and transfer(s) unto 

	 	 	 
	 	 	 

(Please print or typewrite name, address including postal zip code, and Taxpayer Identification Number of assignee) a Percentage Interest equal to ____% evidenced by the within Mortgage Pass-Through Certificates and hereby authorize(s) the registration of transfer of such interest to assignee on the Certificate Register of the Trust Fund.

 

I (we) further direct the Trustee to issue a new Certificate of a like Percentage Interest 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.
	 	 

 

EXHIBIT A-2

 

FORM OF CLASS 1-A2A CERTIFICATE

 

UNLESS THIS CERTIFICATE IS PRESENTED BY AN AUTHORIZED REPRESENTATIVE OF THE DEPOSITORY TRUST COMPANY, A NEW YORK CORPORATION (“DTC”), TO THE TRUSTEE 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.

 

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”).

 

	
Series 2006-AR7

 

Pass-Through Rate: Variable

 

Cut-off Date and date of Pooling and Servicing Agreement: October 1, 2006

 

First Distribution Date: November 25, 2006

 

No. 1
	
Aggregate Certificate Principal Balance of the Class 1-A2A Certificates as of the Issue Date: $31,454,000.00

 

Denomination: $31,454,000.00

 

Master Servicer: CitiMortgage, Inc.

 

Trust Administrator: CitiMortgage, Inc.

 

Certificate Registrar, Paying Agent and Authenticating Agent: Citibank, N.A.

 

Trustee: U.S. Bank National Association

 

Issue Date: October 31, 2006

 

CUSIP: 172987 AB 5

 

DISTRIBUTIONS IN REDUCTION OF THE CERTIFICATE PRINCIPAL BALANCE OF THIS CERTIFICATE MAY BE MADE MONTHLY AS SET FORTH HEREIN. ACCORDINGLY, THE OUTSTANDING CERTIFICATE PRINCIPAL BALANCE HEREOF AT ANY TIME MAY BE LESS THAN THE AMOUNT SHOWN ABOVE AS THE DENOMINATION OF THIS CERTIFICATE.

 

MORTGAGE PASS-THROUGH CERTIFICATE

 

evidencing a beneficial ownership interest in a Trust Fund (the “Trust Fund”) consisting primarily of a pool of conventional one- to four-family, adjustable-rate and fixed-rate, first lien mortgage loans (the “Mortgage Loans”) formed and sold by

 

CITIGROUP MORTGAGE LOAN TRUST INC.

 

THIS CERTIFICATE DOES NOT REPRESENT AN OBLIGATION OF OR INTEREST IN CITIGROUP MORTGAGE LOAN TRUST INC., THE MASTER SERVICER, THE TRUST ADMINISTRATOR, CITIBANK, N.A., THE TRUSTEE OR ANY OF THEIR RESPECTIVE AFFILIATES. NEITHER THIS CERTIFICATE NOR THE UNDERLYING MORTGAGE LOANS ARE GUARANTEED BY ANY AGENCY OR INSTRUMENTALITY OF THE UNITED STATES.

 

This certifies that Cede & Co. is the registered owner of a Percentage Interest (obtained by dividing the denomination of this Certificate by the aggregate Certificate Principal Balance of the Class 1-A2A Certificates as of the Issue Date) in that certain beneficial ownership interest evidenced by all the Class 1-A2A Certificates in the Trust Fund created pursuant to a Pooling and Servicing Agreement, dated as specified above (the “Agreement”), among Citigroup Mortgage Loan Trust Inc. (hereinafter called the “Depositor,” which term includes any successor entity under the Agreement), the Master Servicer, the Trust Administrator, Citibank, N.A. and 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, distributions 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 (a “Distribution Date”), commencing on the First Distribution Date specified above, to the Person in whose name this Certificate is registered on the Record Date, in an amount equal to the product of the Percentage Interest evidenced by this Certificate and the amount
required to be distributed to the Holders of Class 1-A2A Certificates on such Distribution Date pursuant to the Agreement.

 

All distributions to the Holder of this Certificate under the Agreement will be made or caused to be made by the Paying Agent by wire transfer in immediately available funds to the account of the Person entitled thereto if such Person shall have so notified the Paying Agent in writing at least five Business Days prior to the Record Date immediately prior to such Distribution Date or otherwise by check mailed by first class mail to the address of the Person entitled thereto, as such name and address shall appear on the Certificate Register. Notwithstanding the above, the final distribution on this Certificate will be made after due notice by the Paying Agent of the pendency of such distribution and only upon presentation and surrender of this Certificate at the office or agency appointed by the Paying Agent for
that purpose as provided in the Agreement.

 

This Certificate is one of a duly authorized issue of Certificates designated as Mortgage Pass-Through Certificates of the Series specified on the face hereof (herein called the “Certificates”) and representing the Percentage Interest specified above in the Class of Certificates to which this Certificate belongs.

 

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. As provided in the Agreement, withdrawals from the Collection Account and the Distribution Account may be made from time to time for purposes other than distributions to Certificateholders, such purposes including reimbursement of advances made, or certain expenses incurred, with respect to the Mortgage Loans.

 

The Agreement permits, with certain exceptions therein provided, the amendment thereof and the modification of the rights and obligations of the Depositor, the Master Servicer, the Trust Administrator, Citibank, N.A., the Trustee and the rights of the Certificateholders, under the Agreement at any time by the Depositor, the Master Servicer, the Trust Administrator, Citibank, N.A. and the Trustee with the consent of the Holders of Certificates entitled to at least 66% of the Voting Rights. Any such consent by the Holder of this Certificate shall be conclusive and binding on such Holder and upon all future Holders of this Certificate and of any Certificate issued upon the transfer hereof or in exchange herefor or in lieu hereof whether or not notation of such consent is made upon this Certificate. The Agreement
also permits the amendment thereof, in certain limited circumstances, without the consent of the Holders of any of the Certificates.

 

As provided in the 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 Certificate Registrar as provided in the Agreement, duly endorsed by, or accompanied by an assignment in the form below or other written instrument of transfer in form satisfactory to 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 the same Class in authorized denominations evidencing the same aggregate Percentage Interest will be issued to the designated transferee or transferees.

 

The Certificates are issuable in fully registered form only without coupons in Classes and denominations representing Percentage Interests specified in the Agreement. As provided in the Agreement and subject to certain limitations therein set forth, the Certificates are exchangeable for new Certificates of the same Class in authorized denominations evidencing the same 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 of Certificates, but the Certificate Registrar may require payment of a sum sufficient to cover any tax or other governmental charge that may be imposed in connection with any transfer or exchange of Certificates.

 

The Depositor, the Master Servicer, the Trust Administrator, Citibank, N.A., the Trustee and any agent of the Depositor, the Master Servicer, the Trust Administrator, Citibank, N.A. or the Trustee may treat the Person in whose name this Certificate is registered as the owner hereof for all purposes, and none of the Depositor, the Master Servicer, the Trust Administrator, Citibank, N.A., the Trustee nor any such agent shall be affected by notice to the contrary.

 

The obligations created by the Agreement and the Trust Fund created thereby shall terminate upon payment to the Certificateholders of all amounts held by the Trustee and required to be paid to them pursuant to the Agreement following the earlier of (i) the final payment or other liquidation (or any advance with respect thereto) of the last Mortgage Loan and REO Property remaining in the Trust Fund and (ii) the purchase by the party designated in the Agreement at a price determined as provided in the Agreement from the Trust Fund of all the Mortgage Loans and all property acquired in respect of such Mortgage Loans. The Agreement permits, but does not require, the party designated in the Agreement to purchase from the Trust Fund all the Mortgage Loans in the Collateral Pool relating to this Certificate and all
property acquired in respect of any Mortgage Loan in such Collateral Pool at a price determined as provided in the Agreement. The exercise of such right will effect early retirement of the Certificates relating to such Collateral Pool; however, such right to purchase is subject to the aggregate Stated Principal Balance of the Mortgage Loans in such Collateral Pool at the time of purchase being less than 5% of the aggregate principal balance of the Mortgage Loans in such Collateral Pool as of the Cut-off Date.

 

The recitals contained herein shall be taken as statements of the Depositor, and the Trustee assumes no responsibility for their correctness.

 

Unless the certificate of authentication hereon has been executed by the Authenticating Agent, by manual signature, this Certificate shall not be entitled to any benefit under the Agreement or be valid for any purpose.

IN WITNESS WHEREOF, the Paying Agent has caused this Certificate to be duly executed.

 

Dated: October ___, 2006

 

	 	 	 	 	 	 	 	
CITIBANK, N.A., not in its individual

capacity, but solely as Paying Agent

	 	 	 	 	 	 	 	 	 	 	 	 	 	 
	 	 	 	 	 	 	 	 	 	 	 	 	 	 
	 	 	 	 	 	 	 	
By:
	 
	 	 	 	 	 	 	 	 	
Authorized Officer

CERTIFICATE OF AUTHENTICATION

 

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

 

	 	 	 	 	 	 	 	
CITIGROUP MORTGAGE LOAN TRUST

INC., MORTGAGE PASS THROUGH

CERTIFICATES, SERIES 2006-AR7

 

CITIBANK, N.A., not in its individual

capacity, but solely as Authenticating Agent

	 	 	 	 	 	 	 	 	 	 	 	 	 	 
	 	 	 	 	 	 	 	 	 	 	 	 	 	 
	 	 	 	 	 	 	 	
By:
	 
	 	 	 	 	 	 	 	 	
Authorized Officer

 

ABBREVIATIONS

 

The following abbreviations, when used in the inscription on the face of this instrument, shall be construed as though they were written out in full according to applicable laws or regulations:

 

	
TEN COM -
	
as tenants in common
	
UNIF GIFT MIN ACT - Custodian

	 	 	 	 
	
TEN ENT -
	
as tenants by the entireties
	
(Cust) (Minor) under

Uniform Gifts to Minors Act

	 	 	 	 
	
JT TEN -
	
as joint tenants with right of survivorship and not as tenants in common
	 	
State

Additional abbreviations may also be used though not in the above list.

 

ASSIGNMENT

 

FOR VALUE RECEIVED, the undersigned hereby sell(s), assign(s) and transfer(s) unto 

	 	 	 
	 	 	 

(Please print or typewrite name, address including postal zip code, and Taxpayer Identification Number of assignee) a Percentage Interest equal to ____% evidenced by the within Mortgage Pass-Through Certificates and hereby authorize(s) the registration of transfer of such interest to assignee on the Certificate Register of the Trust Fund.

 

I (we) further direct the Trustee to issue a new Certificate of a like Percentage Interest 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.
	 	 

 

EXHIBIT A-3

 

FORM OF CLASS 1-A2B CERTIFICATE

 

UNLESS THIS CERTIFICATE IS PRESENTED BY AN AUTHORIZED REPRESENTATIVE OF THE DEPOSITORY TRUST COMPANY, A NEW YORK CORPORATION (“DTC”), TO THE TRUSTEE 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.

 

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”).

 

	
Series 2006-AR7

 

Pass-Through Rate: Variable

 

Cut-off Date and date of Pooling and Servicing Agreement: October 1, 2006

 

First Distribution Date: November 25, 2006

 

No. 1
	
Aggregate Certificate Principal Balance of the Class 1-A2B Certificates as of the Issue Date: $1,349,000.00

 

Denomination: $1,349,000.00

 

Master Servicer: CitiMortgage, Inc.

 

Trust Administrator: CitiMortgage, Inc.

 

Certificate Registrar, Paying Agent and Authenticating Agent: Citibank, N.A.

 

Trustee: U.S. Bank National Association

 

Issue Date: October 31, 2006

 

CUSIP: 172987 AC 3

 

DISTRIBUTIONS IN REDUCTION OF THE CERTIFICATE PRINCIPAL BALANCE OF THIS CERTIFICATE MAY BE MADE MONTHLY AS SET FORTH HEREIN. ACCORDINGLY, THE OUTSTANDING CERTIFICATE PRINCIPAL BALANCE HEREOF AT ANY TIME MAY BE LESS THAN THE AMOUNT SHOWN ABOVE AS THE DENOMINATION OF THIS CERTIFICATE.

 

MORTGAGE PASS-THROUGH CERTIFICATE

 

evidencing a beneficial ownership interest in a Trust Fund (the “Trust Fund”) consisting primarily of a pool of conventional one- to four-family, adjustable-rate and fixed-rate, first lien mortgage loans (the “Mortgage Loans”) formed and sold by

 

CITIGROUP MORTGAGE LOAN TRUST INC.

 

THIS CERTIFICATE DOES NOT REPRESENT AN OBLIGATION OF OR INTEREST IN CITIGROUP MORTGAGE LOAN TRUST INC., THE MASTER SERVICER, THE TRUST ADMINISTRATOR, CITIBANK, N.A., THE TRUSTEE OR ANY OF THEIR RESPECTIVE AFFILIATES. NEITHER THIS CERTIFICATE NOR THE UNDERLYING MORTGAGE LOANS ARE GUARANTEED BY ANY AGENCY OR INSTRUMENTALITY OF THE UNITED STATES.

 

This certifies that Cede & Co. is the registered owner of a Percentage Interest (obtained by dividing the denomination of this Certificate by the aggregate Certificate Principal Balance of the Class 1-A2B Certificates as of the Issue Date) in that certain beneficial ownership interest evidenced by all the Class 1-A2B Certificates in the Trust Fund created pursuant to a Pooling and Servicing Agreement, dated as specified above (the “Agreement”), among Citigroup Mortgage Loan Trust Inc. (hereinafter called the “Depositor,” which term includes any successor entity under the Agreement), the Master Servicer, the Trust Administrator, Citibank, N.A. and 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, distributions 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 (a “Distribution Date”), commencing on the First Distribution Date specified above, to the Person in whose name this Certificate is registered on the Record Date, in an amount equal to the product of the Percentage Interest evidenced by this Certificate and the amount
required to be distributed to the Holders of Class 1-A2B Certificates on such Distribution Date pursuant to the Agreement.

 

All distributions to the Holder of this Certificate under the Agreement will be made or caused to be made by the Paying Agent by wire transfer in immediately available funds to the account of the Person entitled thereto if such Person shall have so notified the Paying Agent in writing at least five Business Days prior to the Record Date immediately prior to such Distribution Date or otherwise by check mailed by first class mail to the address of the Person entitled thereto, as such name and address shall appear on the Certificate Register. Notwithstanding the above, the final distribution on this Certificate will be made after due notice by the Paying Agent of the pendency of such distribution and only upon presentation and surrender of this Certificate at the office or agency appointed by the Paying Agent for
that purpose as provided in the Agreement.

 

This Certificate is one of a duly authorized issue of Certificates designated as Mortgage Pass-Through Certificates of the Series specified on the face hereof (herein called the “Certificates”) and representing the Percentage Interest specified above in the Class of Certificates to which this Certificate belongs.

 

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. As provided in the Agreement, withdrawals from the Collection Account and the Distribution Account may be made from time to time for purposes other than distributions to Certificateholders, such purposes including reimbursement of advances made, or certain expenses incurred, with respect to the Mortgage Loans.

 

The Agreement permits, with certain exceptions therein provided, the amendment thereof and the modification of the rights and obligations of the Depositor, the Master Servicer, the Trust Administrator, Citibank, N.A., the Trustee and the rights of the Certificateholders, under the Agreement at any time by the Depositor, the Master Servicer, the Trust Administrator, Citibank, N.A. and the Trustee with the consent of the Holders of Certificates entitled to at least 66% of the Voting Rights. Any such consent by the Holder of this Certificate shall be conclusive and binding on such Holder and upon all future Holders of this Certificate and of any Certificate issued upon the transfer hereof or in exchange herefor or in lieu hereof whether or not notation of such consent is made upon this Certificate. The Agreement
also permits the amendment thereof, in certain limited circumstances, without the consent of the Holders of any of the Certificates.

 

As provided in the 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 Certificate Registrar as provided in the Agreement, duly endorsed by, or accompanied by an assignment in the form below or other written instrument of transfer in form satisfactory to 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 the same Class in authorized denominations evidencing the same aggregate Percentage Interest will be issued to the designated transferee or transferees.

 

The Certificates are issuable in fully registered form only without coupons in Classes and denominations representing Percentage Interests specified in the Agreement. As provided in the Agreement and subject to certain limitations therein set forth, the Certificates are exchangeable for new Certificates of the same Class in authorized denominations evidencing the same 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 of Certificates, but the Certificate Registrar may require payment of a sum sufficient to cover any tax or other governmental charge that may be imposed in connection with any transfer or exchange of Certificates.

 

The Depositor, the Master Servicer, the Trust Administrator, Citibank, N.A., the Trustee and any agent of the Depositor, the Master Servicer, the Trust Administrator, Citibank, N.A. or the Trustee may treat the Person in whose name this Certificate is registered as the owner hereof for all purposes, and none of the Depositor, the Master Servicer, the Trust Administrator, Citibank, N.A., the Trustee nor any such agent shall be affected by notice to the contrary.

 

The obligations created by the Agreement and the Trust Fund created thereby shall terminate upon payment to the Certificateholders of all amounts held by the Trustee and required to be paid to them pursuant to the Agreement following the earlier of (i) the final payment or other liquidation (or any advance with respect thereto) of the last Mortgage Loan and REO Property remaining in the Trust Fund and (ii) the purchase by the party designated in the Agreement at a price determined as provided in the Agreement from the Trust Fund of all the Mortgage Loans and all property acquired in respect of such Mortgage Loans. The Agreement permits, but does not require, the party designated in the Agreement to purchase from the Trust Fund all the Mortgage Loans in the Collateral Pool relating to this Certificate and all
property acquired in respect of any Mortgage Loan in such Collateral Pool at a price determined as provided in the Agreement. The exercise of such right will effect early retirement of the Certificates relating to such Collateral Pool; however, such right to purchase is subject to the aggregate Stated Principal Balance of the Mortgage Loans in such Collateral Pool at the time of purchase being less than 5% of the aggregate principal balance of the Mortgage Loans in such Collateral Pool as of the Cut-off Date.

 

The recitals contained herein shall be taken as statements of the Depositor, and the Trustee assumes no responsibility for their correctness.

 

Unless the certificate of authentication hereon has been executed by the Authenticating Agent, by manual signature, this Certificate shall not be entitled to any benefit under the Agreement or be valid for any purpose.

IN WITNESS WHEREOF, the Paying Agent has caused this Certificate to be duly executed.

 

Dated: October __, 2006

 

	 	 	 	 	 	 	 	
CITIBANK, N.A., not in its individual capacity, but solely as Paying Agent

	 	 	 	 	 	 	 	 	 	 	 	 	 	 
	 	 	 	 	 	 	 	 	 	 	 	 	 	 
	 	 	 	 	 	 	 	
By:
	 
	 	 	 	 	 	 	 	 	
Authorized Officer

CERTIFICATE OF AUTHENTICATION

 

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

 

	 	 	 	 	 	 	 	
CITIGROUP MORTGAGE LOAN TRUST INC., MORTGAGE PASS THROUGH CERTIFICATES, SERIES 2006-AR7

 

CITIBANK, N.A., not in its individual capacity, but solely as Authenticating Agent

	 	 	 	 	 	 	 	 	 	 	 	 	 	 
	 	 	 	 	 	 	 	 	 	 	 	 	 	 
	 	 	 	 	 	 	 	
By:
	 
	 	 	 	 	 	 	 	 	
Authorized Officer

 

ABBREVIATIONS

 

The following abbreviations, when used in the inscription on the face of this instrument, shall be construed as though they were written out in full according to applicable laws or regulations:

 

	
TEN COM -
	
as tenants in common
	
UNIF GIFT MIN ACT - Custodian

	 	 	 	 
	
TEN ENT -
	
as tenants by the entireties
	
(Cust) (Minor) under

Uniform Gifts to Minors Act

	 	 	 	 
	
JT TEN -
	
as joint tenants with right of survivorship and not as tenants in common
	 	
State

Additional abbreviations may also be used though not in the above list.

 

ASSIGNMENT

 

FOR VALUE RECEIVED, the undersigned hereby sell(s), assign(s) and transfer(s) unto 

______________________________________________________________________________

______________________________________________________________________________

______________________________________________________________________________

(Please print or typewrite name, address including postal zip code, and Taxpayer Identification Number of assignee) a Percentage Interest equal to ____% evidenced by the within Mortgage Pass-Through Certificates and hereby authorize(s) the registration of transfer of such interest to assignee on the Certificate Register of the Trust Fund.

 

I (we) further direct the Trustee to issue a new Certificate of a like Percentage Interest 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.
	 	 

 

EXHIBIT A-4

 

FORM OF CLASS 1-2IO CERTIFICATE

 

UNLESS THIS CERTIFICATE IS PRESENTED BY AN AUTHORIZED REPRESENTATIVE OF THE DEPOSITORY TRUST COMPANY, A NEW YORK CORPORATION (“DTC”), TO THE TRUSTEE 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.

 

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”).

 

	
Series 2006-AR7

 

Pass-Through Rate: 0.152% per annum

 

Cut-off Date and date of Pooling and Servicing Agreement: October 1, 2006

 

First Distribution Date: November 25, 2006

 

No. 1
	
Aggregate Notional Amount of the Class 1-2IO Certificates as of the Issue Date: $32,803,000.00

 

Denomination: $32,803,000.00

 

Master Servicer: CitiMortgage, Inc.

 

Trust Administrator: CitiMortgage, Inc.

 

Certificate Registrar, Paying Agent and Authenticating Agent: Citibank, N.A.

 

Trustee: U.S. Bank National Association

 

Issue Date: October 31, 2006

 

CUSIP: 172987 AH 2

 

THE NOTIONAL AMOUNT OF THIS CERTIFICATE WILL DECLINE MONTHLY. ACCORDINGLY, THE OUTSTANDING NOTIONAL AMOUNT HEREOF AT ANY TIME MAY BE LESS THAN THE AMOUNT SHOWN ABOVE AS THE DENOMINATION OF THIS CERTIFICATE.

 

MORTGAGE PASS-THROUGH CERTIFICATE

 

evidencing a beneficial ownership interest in a Trust Fund (the “Trust Fund”) consisting primarily of a pool of conventional one- to four-family, adjustable-rate and fixed-rate, first lien mortgage loans (the “Mortgage Loans”) formed and sold by

 

CITIGROUP MORTGAGE LOAN TRUST INC.

 

THIS CERTIFICATE DOES NOT REPRESENT AN OBLIGATION OF OR INTEREST IN CITIGROUP MORTGAGE LOAN TRUST INC., THE MASTER SERVICER, THE TRUST ADMINISTRATOR, CITIBANK, N.A., THE TRUSTEE OR ANY OF THEIR RESPECTIVE AFFILIATES. NEITHER THIS CERTIFICATE NOR THE UNDERLYING MORTGAGE LOANS ARE GUARANTEED BY ANY AGENCY OR INSTRUMENTALITY OF THE UNITED STATES.

 

This certifies that Cede & Co. is the registered owner of a Percentage Interest (obtained by dividing the denomination of this Certificate by the aggregate Notional Amount of the Class 1-2IO Certificates as of the Issue Date) in that certain beneficial ownership interest evidenced by all the Class 1-2IO Certificates in the Trust Fund created pursuant to a Pooling and Servicing Agreement, dated as specified above (the “Agreement”), among Citigroup Mortgage Loan Trust Inc. (hereinafter called the “Depositor,” which term includes any successor entity under the Agreement), the Master Servicer, the Trust Administrator, Citibank, N.A. and 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, distributions 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 (a “Distribution Date”), commencing on the First Distribution Date specified above, to the Person in whose name this Certificate is registered on the Record Date, in an amount equal to the product of the Percentage Interest evidenced by this Certificate and the amount
required to be distributed to the Holders of Class 1-2IO Certificates on such Distribution Date pursuant to the Agreement.

 

All distributions to the Holder of this Certificate under the Agreement will be made or caused to be made by the Paying Agent by wire transfer in immediately available funds to the account of the Person entitled thereto if such Person shall have so notified the Paying Agent in writing at least five Business Days prior to the Record Date immediately prior to such Distribution Date or otherwise by check mailed by first class mail to the address of the Person entitled thereto, as such name and address shall appear on the Certificate Register. Notwithstanding the above, the final distribution on this Certificate will be made after due notice by the Paying Agent of the pendency of such distribution and only upon presentation and surrender of this Certificate at the office or agency appointed by the Paying Agent for
that purpose as provided in the Agreement.

 

This Certificate is one of a duly authorized issue of Certificates designated as Mortgage Pass-Through Certificates of the Series specified on the face hereof (herein called the “Certificates”) and representing the Percentage Interest specified above in the Class of Certificates to which this Certificate belongs.

 

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. As provided in the Agreement, withdrawals from the Collection Account and the Distribution Account may be made from time to time for purposes other than distributions to Certificateholders, such purposes including reimbursement of advances made, or certain expenses incurred, with respect to the Mortgage Loans.

 

The Agreement permits, with certain exceptions therein provided, the amendment thereof and the modification of the rights and obligations of the Depositor, the Master Servicer, the Trust Administrator, Citibank, N.A., the Trustee and the rights of the Certificateholders, under the Agreement at any time by the Depositor, the Master Servicer, the Trust Administrator, Citibank, N.A. and the Trustee with the consent of the Holders of Certificates entitled to at least 66% of the Voting Rights. Any such consent by the Holder of this Certificate shall be conclusive and binding on such Holder and upon all future Holders of this Certificate and of any Certificate issued upon the transfer hereof or in exchange herefor or in lieu hereof whether or not notation of such consent is made upon this Certificate. The Agreement
also permits the amendment thereof, in certain limited circumstances, without the consent of the Holders of any of the Certificates.

 

As provided in the 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 Certificate Registrar as provided in the Agreement, duly endorsed by, or accompanied by an assignment in the form below or other written instrument of transfer in form satisfactory to 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 the same Class in authorized denominations evidencing the same aggregate Percentage Interest will be issued to the designated transferee or transferees.

 

The Certificates are issuable in fully registered form only without coupons in Classes and denominations representing Percentage Interests specified in the Agreement. As provided in the Agreement and subject to certain limitations therein set forth, the Certificates are exchangeable for new Certificates of the same Class in authorized denominations evidencing the same 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 of Certificates, but the Certificate Registrar may require payment of a sum sufficient to cover any tax or other governmental charge that may be imposed in connection with any transfer or exchange of Certificates.

 

The Depositor, the Master Servicer, the Trust Administrator, Citibank, N.A., the Trustee and any agent of the Depositor, the Master Servicer, the Trust Administrator, Citibank, N.A. or the Trustee may treat the Person in whose name this Certificate is registered as the owner hereof for all purposes, and none of the Depositor, the Master Servicer, the Trust Administrator, Citibank, N.A., the Trustee nor any such agent shall be affected by notice to the contrary.

 

The obligations created by the Agreement and the Trust Fund created thereby shall terminate upon payment to the Certificateholders of all amounts held by the Trustee and required to be paid to them pursuant to the Agreement following the earlier of (i) the final payment or other liquidation (or any advance with respect thereto) of the last Mortgage Loan and REO Property remaining in the Trust Fund and (ii) the purchase by the party designated in the Agreement at a price determined as provided in the Agreement from the Trust Fund of all the Mortgage Loans and all property acquired in respect of such Mortgage Loans. The Agreement permits, but does not require, the party designated in the Agreement to purchase from the Trust Fund all the Mortgage Loans in the Collateral Pool relating to this Certificate and all
property acquired in respect of any Mortgage Loan in such Collateral Pool at a price determined as provided in the Agreement. The exercise of such right will effect early retirement of the Certificates relating to such Collateral Pool; however, such right to purchase is subject to the aggregate Stated Principal Balance of the Mortgage Loans in such Collateral Pool at the time of purchase being less than 5% of the aggregate principal balance of the Mortgage Loans in such Collateral Pool as of the Cut-off Date.

 

The recitals contained herein shall be taken as statements of the Depositor, and the Trustee assumes no responsibility for their correctness.

 

Unless the certificate of authentication hereon has been executed by the Authenticating Agent, by manual signature, this Certificate shall not be entitled to any benefit under the Agreement or be valid for any purpose.

IN WITNESS WHEREOF, the Paying Agent has caused this Certificate to be duly executed.

 

Dated: October ___, 2006

 

	 	 	 	 	 	 	 	
CITIBANK, N.A., not in its individual

capacity, but solely as Paying Agent

	 	 	 	 	 	 	 	 	 	 	 	 	 	 
	 	 	 	 	 	 	 	 	 	 	 	 	 	 
	 	 	 	 	 	 	 	
By:
	 
	 	 	 	 	 	 	 	 	
Authorized Officer

CERTIFICATE OF AUTHENTICATION

 

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

 

	 	 	 	 	 	 	 	
CITIGROUP MORTGAGE LOAN TRUST

INC., MORTGAGE PASS THROUGH

CERTIFICATES, SERIES 2006-AR7

 

CITIBANK, N.A., not in its individual

capacity, but solely as Authenticating Agent

	 	 	 	 	 	 	 	 	 	 	 	 	 	 
	 	 	 	 	 	 	 	 	 	 	 	 	 	 
	 	 	 	 	 	 	 	
By:
	 
	 	 	 	 	 	 	 	 	
Authorized Officer

 

ABBREVIATIONS

 

The following abbreviations, when used in the inscription on the face of this instrument, shall be construed as though they were written out in full according to applicable laws or regulations:

 

	
TEN COM -
	
as tenants in common
	
UNIF GIFT MIN ACT - Custodian

	 	 	 	 
	
TEN ENT -
	
as tenants by the entireties
	
(Cust) (Minor) under

Uniform Gifts to Minors Act

	 	 	 	 
	
JT TEN -
	
as joint tenants with right of survivorship and not as tenants in common
	 	
State

Additional abbreviations may also be used though not in the above list.

 

ASSIGNMENT

 

FOR VALUE RECEIVED, the undersigned hereby sell(s), assign(s) and transfer(s) unto 

	 	 	 
	 	 	 

(Please print or typewrite name, address including postal zip code, and Taxpayer Identification Number of assignee) a Percentage Interest equal to ____% evidenced by the within Mortgage Pass-Through Certificates and hereby authorize(s) the registration of transfer of such interest to assignee on the Certificate Register of the Trust Fund.

 

I (we) further direct the Trustee to issue a new Certificate of a like Percentage Interest 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.
	 	 

EXHIBIT A-5

 

FORM OF CLASS 1-A3A CERTIFICATE

 

UNLESS THIS CERTIFICATE IS PRESENTED BY AN AUTHORIZED REPRESENTATIVE OF THE DEPOSITORY TRUST COMPANY, A NEW YORK CORPORATION (“DTC”), TO THE TRUSTEE 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.

 

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”).

 

	
Series 2006-AR7

 

Pass-Through Rate: Variable

 

Cut-off Date and date of Pooling and Servicing Agreement: October 1, 2006

 

First Distribution Date: November 25, 2006

 

No. 1
	
Aggregate Certificate Principal Balance of the Class 1-A3A Certificates as of the Issue Date: $203,626,000.00

 

Denomination: $203,626,000.00

 

Master Servicer: CitiMortgage, Inc.

 

Trust Administrator: CitiMortgage, Inc.

 

Certificate Registrar, Paying Agent and Authenticating Agent: Citibank, N.A.

 

Trustee: U.S. Bank National Association

 

Issue Date: October 31, 2006

 

CUSIP: 172987 AD 1

 

DISTRIBUTIONS IN REDUCTION OF THE CERTIFICATE PRINCIPAL BALANCE OF THIS CERTIFICATE MAY BE MADE MONTHLY AS SET FORTH HEREIN. ACCORDINGLY, THE OUTSTANDING CERTIFICATE PRINCIPAL BALANCE HEREOF AT ANY TIME MAY BE LESS THAN THE AMOUNT SHOWN ABOVE AS THE DENOMINATION OF THIS CERTIFICATE.

 

MORTGAGE PASS-THROUGH CERTIFICATE

 

evidencing a beneficial ownership interest in a Trust Fund (the “Trust Fund”) consisting primarily of a pool of conventional one- to four-family, adjustable-rate and fixed-rate, first lien mortgage loans (the “Mortgage Loans”) formed and sold by

 

CITIGROUP MORTGAGE LOAN TRUST INC.

 

THIS CERTIFICATE DOES NOT REPRESENT AN OBLIGATION OF OR INTEREST IN CITIGROUP MORTGAGE LOAN TRUST INC., THE MASTER SERVICER, THE TRUST ADMINISTRATOR, CITIBANK, N.A., THE TRUSTEE OR ANY OF THEIR RESPECTIVE AFFILIATES. NEITHER THIS CERTIFICATE NOR THE UNDERLYING MORTGAGE LOANS ARE GUARANTEED BY ANY AGENCY OR INSTRUMENTALITY OF THE UNITED STATES.

 

This certifies that Cede & Co. is the registered owner of a Percentage Interest (obtained by dividing the denomination of this Certificate by the aggregate Certificate Principal Balance of the Class 1-A3A Certificates as of the Issue Date) in that certain beneficial ownership interest evidenced by all the Class 1-A3A Certificates in the Trust Fund created pursuant to a Pooling and Servicing Agreement, dated as specified above (the “Agreement”), among Citigroup Mortgage Loan Trust Inc. (hereinafter called the “Depositor,” which term includes any successor entity under the Agreement), the Master Servicer, the Trust Administrator, Citibank, N.A. and 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, distributions 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 (a “Distribution Date”), commencing on the First Distribution Date specified above, to the Person in whose name this Certificate is registered on the Record Date, in an amount equal to the product of the Percentage Interest evidenced by this Certificate and the amount
required to be distributed to the Holders of Class 1-A3A Certificates on such Distribution Date pursuant to the Agreement.

 

All distributions to the Holder of this Certificate under the Agreement will be made or caused to be made by the Paying Agent by wire transfer in immediately available funds to the account of the Person entitled thereto if such Person shall have so notified the Paying Agent in writing at least five Business Days prior to the Record Date immediately prior to such Distribution Date or otherwise by check mailed by first class mail to the address of the Person entitled thereto, as such name and address shall appear on the Certificate Register. Notwithstanding the above, the final distribution on this Certificate will be made after due notice by the Paying Agent of the pendency of such distribution and only upon presentation and surrender of this Certificate at the office or agency appointed by the Paying Agent for
that purpose as provided in the Agreement.

 

This Certificate is one of a duly authorized issue of Certificates designated as Mortgage Pass-Through Certificates of the Series specified on the face hereof (herein called the “Certificates”) and representing the Percentage Interest specified above in the Class of Certificates to which this Certificate belongs.

 

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. As provided in the Agreement, withdrawals from the Collection Account and the Distribution Account may be made from time to time for purposes other than distributions to Certificateholders, such purposes including reimbursement of advances made, or certain expenses incurred, with respect to the Mortgage Loans.

 

The Agreement permits, with certain exceptions therein provided, the amendment thereof and the modification of the rights and obligations of the Depositor, the Master Servicer, the Trust Administrator, Citibank, N.A., the Trustee and the rights of the Certificateholders, under the Agreement at any time by the Depositor, the Master Servicer, the Trust Administrator, Citibank, N.A. and the Trustee with the consent of the Holders of Certificates entitled to at least 66% of the Voting Rights. Any such consent by the Holder of this Certificate shall be conclusive and binding on such Holder and upon all future Holders of this Certificate and of any Certificate issued upon the transfer hereof or in exchange herefor or in lieu hereof whether or not notation of such consent is made upon this Certificate. The Agreement
also permits the amendment thereof, in certain limited circumstances, without the consent of the Holders of any of the Certificates.

 

As provided in the 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 Certificate Registrar as provided in the Agreement, duly endorsed by, or accompanied by an assignment in the form below or other written instrument of transfer in form satisfactory to 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 the same Class in authorized denominations evidencing the same aggregate Percentage Interest will be issued to the designated transferee or transferees.

 

The Certificates are issuable in fully registered form only without coupons in Classes and denominations representing Percentage Interests specified in the Agreement. As provided in the Agreement and subject to certain limitations therein set forth, the Certificates are exchangeable for new Certificates of the same Class in authorized denominations evidencing the same 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 of Certificates, but the Certificate Registrar may require payment of a sum sufficient to cover any tax or other governmental charge that may be imposed in connection with any transfer or exchange of Certificates.

 

The Depositor, the Master Servicer, the Trust Administrator, Citibank, N.A., the Trustee and any agent of the Depositor, the Master Servicer, the Trust Administrator, Citibank, N.A. or the Trustee may treat the Person in whose name this Certificate is registered as the owner hereof for all purposes, and none of the Depositor, the Master Servicer, the Trust Administrator, Citibank, N.A., the Trustee nor any such agent shall be affected by notice to the contrary.

 

The obligations created by the Agreement and the Trust Fund created thereby shall terminate upon payment to the Certificateholders of all amounts held by the Trustee and required to be paid to them pursuant to the Agreement following the earlier of (i) the final payment or other liquidation (or any advance with respect thereto) of the last Mortgage Loan and REO Property remaining in the Trust Fund and (ii) the purchase by the party designated in the Agreement at a price determined as provided in the Agreement from the Trust Fund of all the Mortgage Loans and all property acquired in respect of such Mortgage Loans. The Agreement permits, but does not require, the party designated in the Agreement to purchase from the Trust Fund all the Mortgage Loans in the Collateral Pool relating to this Certificate and all
property acquired in respect of any Mortgage Loan in such Collateral Pool at a price determined as provided in the Agreement. The exercise of such right will effect early retirement of the Certificates relating to such Collateral Pool; however, such right to purchase is subject to the aggregate Stated Principal Balance of the Mortgage Loans in such Collateral Pool at the time of purchase being less than 5% of the aggregate principal balance of the Mortgage Loans in such Collateral Pool as of the Cut-off Date.

 

The recitals contained herein shall be taken as statements of the Depositor, and the Trustee assumes no responsibility for their correctness.

 

Unless the certificate of authentication hereon has been executed by the Authenticating Agent, by manual signature, this Certificate shall not be entitled to any benefit under the Agreement or be valid for any purpose.

IN WITNESS WHEREOF, the Paying Agent has caused this Certificate to be duly executed.

 

Dated: October ___, 2006

 

	 	 	 	 	 	 	 	
CITIBANK, N.A., not in its individual

capacity, but solely as Paying Agent

	 	 	 	 	 	 	 	 	 	 	 	 	 	 
	 	 	 	 	 	 	 	 	 	 	 	 	 	 
	 	 	 	 	 	 	 	
By:
	 
	 	 	 	 	 	 	 	 	
Authorized Officer

CERTIFICATE OF AUTHENTICATION

 

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

 

	 	 	 	 	 	 	 	
CITIGROUP MORTGAGE LOAN TRUST

INC., MORTGAGE PASS THROUGH

CERTIFICATES, SERIES 2006-AR7

 

CITIBANK, N.A., not in its individual

capacity, but solely as Authenticating Agent

	 	 	 	 	 	 	 	 	 	 	 	 	 	 
	 	 	 	 	 	 	 	 	 	 	 	 	 	 
	 	 	 	 	 	 	 	
By:
	 
	 	 	 	 	 	 	 	 	
Authorized Officer

 

ABBREVIATIONS

 

The following abbreviations, when used in the inscription on the face of this instrument, shall be construed as though they were written out in full according to applicable laws or regulations:

 

	
TEN COM -
	
as tenants in common
	
UNIF GIFT MIN ACT - Custodian

	 	 	 	 
	
TEN ENT -
	
as tenants by the entireties
	
(Cust) (Minor) under

Uniform Gifts to Minors Act

	 	 	 	 
	
JT TEN -
	
as joint tenants with right of survivorship and not as tenants in common
	 	
State

Additional abbreviations may also be used though not in the above list.

 

ASSIGNMENT

 

FOR VALUE RECEIVED, the undersigned hereby sell(s), assign(s) and transfer(s) unto 

	 	 	 
	 	 	 

(Please print or typewrite name, address including postal zip code, and Taxpayer Identification Number of assignee) a Percentage Interest equal to ____% evidenced by the within Mortgage Pass-Through Certificates and hereby authorize(s) the registration of transfer of such interest to assignee on the Certificate Register of the Trust Fund.

 

I (we) further direct the Trustee to issue a new Certificate of a like Percentage Interest 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.
	 	 

 

EXHIBIT A-6

 

FORM OF CLASS 1-A3B CERTIFICATE

 

UNLESS THIS CERTIFICATE IS PRESENTED BY AN AUTHORIZED REPRESENTATIVE OF THE DEPOSITORY TRUST COMPANY, A NEW YORK CORPORATION (“DTC”), TO THE TRUSTEE 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.

 

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”).

 

	
Series 2006-AR7

 

Pass-Through Rate: Variable

 

Cut-off Date and date of Pooling and Servicing Agreement: October 1, 2006

 

First Distribution Date: November 25, 2006

 

No. 1
	
Aggregate Certificate Principal Balance of the Class 1-A3B Certificates as of the Issue Date: $8,734,000.00

 

Denomination: $8,734,000.00

 

Master Servicer: CitiMortgage, Inc.

 

Trust Administrator: CitiMortgage, Inc.

 

Certificate Registrar, Paying Agent and Authenticating Agent: Citibank, N.A.

 

Trustee: U.S. Bank National Association

 

Issue Date: October 31, 2006

 

CUSIP: 172987 AE 9

 

DISTRIBUTIONS IN REDUCTION OF THE CERTIFICATE PRINCIPAL BALANCE OF THIS CERTIFICATE MAY BE MADE MONTHLY AS SET FORTH HEREIN. ACCORDINGLY, THE OUTSTANDING CERTIFICATE PRINCIPAL BALANCE HEREOF AT ANY TIME MAY BE LESS THAN THE AMOUNT SHOWN ABOVE AS THE DENOMINATION OF THIS CERTIFICATE.

 

MORTGAGE PASS-THROUGH CERTIFICATE

 

evidencing a beneficial ownership interest in a Trust Fund (the “Trust Fund”) consisting primarily of a pool of conventional one- to four-family, adjustable-rate and fixed-rate, first lien mortgage loans (the “Mortgage Loans”) formed and sold by

 

CITIGROUP MORTGAGE LOAN TRUST INC.

 

THIS CERTIFICATE DOES NOT REPRESENT AN OBLIGATION OF OR INTEREST IN CITIGROUP MORTGAGE LOAN TRUST INC., THE MASTER SERVICER, THE TRUST ADMINISTRATOR, CITIBANK, N.A., THE TRUSTEE OR ANY OF THEIR RESPECTIVE AFFILIATES. NEITHER THIS CERTIFICATE NOR THE UNDERLYING MORTGAGE LOANS ARE GUARANTEED BY ANY AGENCY OR INSTRUMENTALITY OF THE UNITED STATES.

 

This certifies that Cede & Co. is the registered owner of a Percentage Interest (obtained by dividing the denomination of this Certificate by the aggregate Certificate Principal Balance of the Class 1-A3B Certificates as of the Issue Date) in that certain beneficial ownership interest evidenced by all the Class 1-A3B Certificates in the Trust Fund created pursuant to a Pooling and Servicing Agreement, dated as specified above (the “Agreement”), among Citigroup Mortgage Loan Trust Inc. (hereinafter called the “Depositor,” which term includes any successor entity under the Agreement), the Master Servicer, the Trust Administrator, Citibank, N.A. and 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, distributions 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 (a “Distribution Date”), commencing on the First Distribution Date specified above, to the Person in whose name this Certificate is registered on the Record Date, in an amount equal to the product of the Percentage Interest evidenced by this Certificate and the amount
required to be distributed to the Holders of Class 1-A3B Certificates on such Distribution Date pursuant to the Agreement.

 

All distributions to the Holder of this Certificate under the Agreement will be made or caused to be made by the Paying Agent by wire transfer in immediately available funds to the account of the Person entitled thereto if such Person shall have so notified the Paying Agent in writing at least five Business Days prior to the Record Date immediately prior to such Distribution Date or otherwise by check mailed by first class mail to the address of the Person entitled thereto, as such name and address shall appear on the Certificate Register. Notwithstanding the above, the final distribution on this Certificate will be made after due notice by the Paying Agent of the pendency of such distribution and only upon presentation and surrender of this Certificate at the office or agency appointed by the Paying Agent for
that purpose as provided in the Agreement.

 

This Certificate is one of a duly authorized issue of Certificates designated as Mortgage Pass-Through Certificates of the Series specified on the face hereof (herein called the “Certificates”) and representing the Percentage Interest specified above in the Class of Certificates to which this Certificate belongs.

 

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. As provided in the Agreement, withdrawals from the Collection Account and the Distribution Account may be made from time to time for purposes other than distributions to Certificateholders, such purposes including reimbursement of advances made, or certain expenses incurred, with respect to the Mortgage Loans.

 

The Agreement permits, with certain exceptions therein provided, the amendment thereof and the modification of the rights and obligations of the Depositor, the Master Servicer, the Trust Administrator, Citibank, N.A., the Trustee and the rights of the Certificateholders, under the Agreement at any time by the Depositor, the Master Servicer, the Trust Administrator, Citibank, N.A. and the Trustee with the consent of the Holders of Certificates entitled to at least 66% of the Voting Rights. Any such consent by the Holder of this Certificate shall be conclusive and binding on such Holder and upon all future Holders of this Certificate and of any Certificate issued upon the transfer hereof or in exchange herefor or in lieu hereof whether or not notation of such consent is made upon this Certificate. The Agreement
also permits the amendment thereof, in certain limited circumstances, without the consent of the Holders of any of the Certificates.

 

As provided in the 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 Certificate Registrar as provided in the Agreement, duly endorsed by, or accompanied by an assignment in the form below or other written instrument of transfer in form satisfactory to 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 the same Class in authorized denominations evidencing the same aggregate Percentage Interest will be issued to the designated transferee or transferees.

 

The Certificates are issuable in fully registered form only without coupons in Classes and denominations representing Percentage Interests specified in the Agreement. As provided in the Agreement and subject to certain limitations therein set forth, the Certificates are exchangeable for new Certificates of the same Class in authorized denominations evidencing the same 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 of Certificates, but the Certificate Registrar may require payment of a sum sufficient to cover any tax or other governmental charge that may be imposed in connection with any transfer or exchange of Certificates.

 

The Depositor, the Master Servicer, the Trust Administrator, Citibank, N.A., the Trustee and any agent of the Depositor, the Master Servicer, the Trust Administrator, Citibank, N.A. or the Trustee may treat the Person in whose name this Certificate is registered as the owner hereof for all purposes, and none of the Depositor, the Master Servicer, the Trust Administrator, Citibank, N.A., the Trustee nor any such agent shall be affected by notice to the contrary.

 

The obligations created by the Agreement and the Trust Fund created thereby shall terminate upon payment to the Certificateholders of all amounts held by the Trustee and required to be paid to them pursuant to the Agreement following the earlier of (i) the final payment or other liquidation (or any advance with respect thereto) of the last Mortgage Loan and REO Property remaining in the Trust Fund and (ii) the purchase by the party designated in the Agreement at a price determined as provided in the Agreement from the Trust Fund of all the Mortgage Loans and all property acquired in respect of such Mortgage Loans. The Agreement permits, but does not require, the party designated in the Agreement to purchase from the Trust Fund all the Mortgage Loans in the Collateral Pool relating to this Certificate and all
property acquired in respect of any Mortgage Loan in such Collateral Pool at a price determined as provided in the Agreement. The exercise of such right will effect early retirement of the Certificates relating to such Collateral Pool; however, such right to purchase is subject to the aggregate Stated Principal Balance of the Mortgage Loans in such Collateral Pool at the time of purchase being less than 5% of the aggregate principal balance of the Mortgage Loans in such Collateral Pool as of the Cut-off Date.

 

The recitals contained herein shall be taken as statements of the Depositor, and the Trustee assumes no responsibility for their correctness.

 

Unless the certificate of authentication hereon has been executed by the Authenticating Agent, by manual signature, this Certificate shall not be entitled to any benefit under the Agreement or be valid for any purpose.

IN WITNESS WHEREOF, the Paying Agent has caused this Certificate to be duly executed.

 

Dated: October ___, 2006

 

	 	 	 	 	 	 	 	
CITIBANK, N.A., not in its individual

capacity, but solely as Paying Agent

	 	 	 	 	 	 	 	 	 	 	 	 	 	 
	 	 	 	 	 	 	 	 	 	 	 	 	 	 
	 	 	 	 	 	 	 	
By:
	 
	 	 	 	 	 	 	 	 	
Authorized Officer

CERTIFICATE OF AUTHENTICATION

 

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

 

	 	 	 	 	 	 	 	
CITIGROUP MORTGAGE LOAN TRUST

INC., MORTGAGE PASS THROUGH

CERTIFICATES, SERIES 2006-AR7

 

CITIBANK, N.A., not in its individual

capacity, but solely as Authenticating Agent

	 	 	 	 	 	 	 	 	 	 	 	 	 	 
	 	 	 	 	 	 	 	 	 	 	 	 	 	 
	 	 	 	 	 	 	 	
By:
	 
	 	 	 	 	 	 	 	 	
Authorized Officer

 

ABBREVIATIONS

 

The following abbreviations, when used in the inscription on the face of this instrument, shall be construed as though they were written out in full according to applicable laws or regulations:

 

	
TEN COM -
	
as tenants in common
	
UNIF GIFT MIN ACT - Custodian

	 	 	 	 
	
TEN ENT -
	
as tenants by the entireties
	
(Cust) (Minor) under

Uniform Gifts to Minors Act

	 	 	 	 
	
JT TEN -
	
as joint tenants with right of survivorship and not as tenants in common
	 	
State

Additional abbreviations may also be used though not in the above list.

 

ASSIGNMENT

 

FOR VALUE RECEIVED, the undersigned hereby sell(s), assign(s) and transfer(s) unto 

	 	 	 
	 	 	 

(Please print or typewrite name, address including postal zip code, and Taxpayer Identification Number of assignee) a Percentage Interest equal to ____% evidenced by the within Mortgage Pass-Through Certificates and hereby authorize(s) the registration of transfer of such interest to assignee on the Certificate Register of the Trust Fund.

 

I (we) further direct the Trustee to issue a new Certificate of a like Percentage Interest 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.
	 	 

EXHIBIT A-7

 

FORM OF CLASS 1-3IO CERTIFICATE

 

UNLESS THIS CERTIFICATE IS PRESENTED BY AN AUTHORIZED REPRESENTATIVE OF THE DEPOSITORY TRUST COMPANY, A NEW YORK CORPORATION (“DTC”), TO THE TRUSTEE 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.

 

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”).

 

	
Series 2006-AR7

 

Pass-Through Rate: 0.298% per annum

 

Cut-off Date and date of Pooling and Servicing Agreement: October 1, 2006

 

First Distribution Date: November 25, 2006

 

No. 1
	
Aggregate Notional Amount of the Class 1-3IO Certificates as of the Issue Date: $212,360,000.00

 

Denomination: $212,360,000.00

 

Master Servicer: CitiMortgage, Inc.

 

Trust Administrator: CitiMortgage, Inc.

 

Certificate Registrar, Paying Agent and Authenticating Agent: Citibank, N.A.

 

Trustee: U.S. Bank National Association

 

Issue Date: October 31, 2006

 

CUSIP: 172987 AJ 8

 

THE NOTIONAL AMOUNT OF THIS CERTIFICATE WILL DECLINE MONTHLY. ACCORDINGLY, THE OUTSTANDING NOTIONAL AMOUNT HEREOF AT ANY TIME MAY BE LESS THAN THE AMOUNT SHOWN ABOVE AS THE DENOMINATION OF THIS CERTIFICATE.

 

MORTGAGE PASS-THROUGH CERTIFICATE

 

evidencing a beneficial ownership interest in a Trust Fund (the “Trust Fund”) consisting primarily of a pool of conventional one- to four-family, adjustable-rate and fixed-rate, first lien mortgage loans (the “Mortgage Loans”) formed and sold by

 

CITIGROUP MORTGAGE LOAN TRUST INC.

 

THIS CERTIFICATE DOES NOT REPRESENT AN OBLIGATION OF OR INTEREST IN CITIGROUP MORTGAGE LOAN TRUST INC., THE MASTER SERVICER, THE TRUST ADMINISTRATOR, CITIBANK, N.A., THE TRUSTEE OR ANY OF THEIR RESPECTIVE AFFILIATES. NEITHER THIS CERTIFICATE NOR THE UNDERLYING MORTGAGE LOANS ARE GUARANTEED BY ANY AGENCY OR INSTRUMENTALITY OF THE UNITED STATES.

 

This certifies that Cede & Co. is the registered owner of a Percentage Interest (obtained by dividing the denomination of this Certificate by the aggregate Notional Amount of the Class 1-3IO Certificates as of the Issue Date) in that certain beneficial ownership interest evidenced by all the Class 1-3IO Certificates in the Trust Fund created pursuant to a Pooling and Servicing Agreement, dated as specified above (the “Agreement”), among Citigroup Mortgage Loan Trust Inc. (hereinafter called the “Depositor,” which term includes any successor entity under the Agreement), the Master Servicer, the Trust Administrator, Citibank, N.A. and 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, distributions 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 (a “Distribution Date”), commencing on the First Distribution Date specified above, to the Person in whose name this Certificate is registered on the Record Date, in an amount equal to the product of the Percentage Interest evidenced by this Certificate and the amount
required to be distributed to the Holders of Class 1-3IO Certificates on such Distribution Date pursuant to the Agreement.

 

All distributions to the Holder of this Certificate under the Agreement will be made or caused to be made by the Paying Agent by wire transfer in immediately available funds to the account of the Person entitled thereto if such Person shall have so notified the Paying Agent in writing at least five Business Days prior to the Record Date immediately prior to such Distribution Date or otherwise by check mailed by first class mail to the address of the Person entitled thereto, as such name and address shall appear on the Certificate Register. Notwithstanding the above, the final distribution on this Certificate will be made after due notice by the Paying Agent of the pendency of such distribution and only upon presentation and surrender of this Certificate at the office or agency appointed by the Paying Agent for
that purpose as provided in the Agreement.

 

This Certificate is one of a duly authorized issue of Certificates designated as Mortgage Pass-Through Certificates of the Series specified on the face hereof (herein called the “Certificates”) and representing the Percentage Interest specified above in the Class of Certificates to which this Certificate belongs.

 

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. As provided in the Agreement, withdrawals from the Collection Account and the Distribution Account may be made from time to time for purposes other than distributions to Certificateholders, such purposes including reimbursement of advances made, or certain expenses incurred, with respect to the Mortgage Loans.

 

The Agreement permits, with certain exceptions therein provided, the amendment thereof and the modification of the rights and obligations of the Depositor, the Master Servicer, the Trust Administrator, Citibank, N.A., the Trustee and the rights of the Certificateholders, under the Agreement at any time by the Depositor, the Master Servicer, the Trust Administrator, Citibank, N.A. and the Trustee with the consent of the Holders of Certificates entitled to at least 66% of the Voting Rights. Any such consent by the Holder of this Certificate shall be conclusive and binding on such Holder and upon all future Holders of this Certificate and of any Certificate issued upon the transfer hereof or in exchange herefor or in lieu hereof whether or not notation of such consent is made upon this Certificate. The Agreement
also permits the amendment thereof, in certain limited circumstances, without the consent of the Holders of any of the Certificates.

 

As provided in the 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 Certificate Registrar as provided in the Agreement, duly endorsed by, or accompanied by an assignment in the form below or other written instrument of transfer in form satisfactory to 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 the same Class in authorized denominations evidencing the same aggregate Percentage Interest will be issued to the designated transferee or transferees.

 

The Certificates are issuable in fully registered form only without coupons in Classes and denominations representing Percentage Interests specified in the Agreement. As provided in the Agreement and subject to certain limitations therein set forth, the Certificates are exchangeable for new Certificates of the same Class in authorized denominations evidencing the same 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 of Certificates, but the Certificate Registrar may require payment of a sum sufficient to cover any tax or other governmental charge that may be imposed in connection with any transfer or exchange of Certificates.

 

The Depositor, the Master Servicer, the Trust Administrator, Citibank, N.A., the Trustee and any agent of the Depositor, the Master Servicer, the Trust Administrator, Citibank, N.A. or the Trustee may treat the Person in whose name this Certificate is registered as the owner hereof for all purposes, and none of the Depositor, the Master Servicer, the Trust Administrator, Citibank, N.A., the Trustee nor any such agent shall be affected by notice to the contrary.

 

The obligations created by the Agreement and the Trust Fund created thereby shall terminate upon payment to the Certificateholders of all amounts held by the Trustee and required to be paid to them pursuant to the Agreement following the earlier of (i) the final payment or other liquidation (or any advance with respect thereto) of the last Mortgage Loan and REO Property remaining in the Trust Fund and (ii) the purchase by the party designated in the Agreement at a price determined as provided in the Agreement from the Trust Fund of all the Mortgage Loans and all property acquired in respect of such Mortgage Loans. The Agreement permits, but does not require, the party designated in the Agreement to purchase from the Trust Fund all the Mortgage Loans in the Collateral Pool relating to this Certificate and all
property acquired in respect of any Mortgage Loan in such Collateral Pool at a price determined as provided in the Agreement. The exercise of such right will effect early retirement of the Certificates relating to such Collateral Pool; however, such right to purchase is subject to the aggregate Stated Principal Balance of the Mortgage Loans in such Collateral Pool at the time of purchase being less than 5% of the aggregate principal balance of the Mortgage Loans in such Collateral Pool as of the Cut-off Date.

 

The recitals contained herein shall be taken as statements of the Depositor, and the Trustee assumes no responsibility for their correctness.

 

Unless the certificate of authentication hereon has been executed by the Authenticating Agent, by manual signature, this Certificate shall not be entitled to any benefit under the Agreement or be valid for any purpose.

IN WITNESS WHEREOF, the Paying Agent has caused this Certificate to be duly executed.

 

Dated: October ___, 2006

 

	 	 	 	 	 	 	 	
CITIBANK, N.A., not in its individual

capacity, but solely as Paying Agent

	 	 	 	 	 	 	 	 	 	 	 	 	 	 
	 	 	 	 	 	 	 	 	 	 	 	 	 	 
	 	 	 	 	 	 	 	
By:
	 
	 	 	 	 	 	 	 	 	
Authorized Officer

CERTIFICATE OF AUTHENTICATION

 

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

 

	 	 	 	 	 	 	 	
CITIGROUP MORTGAGE LOAN TRUST

INC., MORTGAGE PASS THROUGH

CERTIFICATES, SERIES 2006-AR7

 

CITIBANK, N.A., not in its individual

capacity, but solely as Authenticating Agent

	 	 	 	 	 	 	 	 	 	 	 	 	 	 
	 	 	 	 	 	 	 	 	 	 	 	 	 	 
	 	 	 	 	 	 	 	
By:
	 
	 	 	 	 	 	 	 	 	
Authorized Officer

 

ABBREVIATIONS

 

The following abbreviations, when used in the inscription on the face of this instrument, shall be construed as though they were written out in full according to applicable laws or regulations:

 

	
TEN COM -
	
as tenants in common
	
UNIF GIFT MIN ACT - Custodian

	 	 	 	 
	
TEN ENT -
	
as tenants by the entireties
	
(Cust) (Minor) under

Uniform Gifts to Minors Act

	 	 	 	 
	
JT TEN -
	
as joint tenants with right of survivorship and not as tenants in common
	 	
State

Additional abbreviations may also be used though not in the above list.

 

ASSIGNMENT

 

FOR VALUE RECEIVED, the undersigned hereby sell(s), assign(s) and transfer(s) unto 

	 	 	 
	 	 	 

(Please print or typewrite name, address including postal zip code, and Taxpayer Identification Number of assignee) a Percentage Interest equal to ____% evidenced by the within Mortgage Pass-Through Certificates and hereby authorize(s) the registration of transfer of such interest to assignee on the Certificate Register of the Trust Fund.

 

I (we) further direct the Trustee to issue a new Certificate of a like Percentage Interest 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.
	 	 

 

EXHIBIT A-8

 

FORM OF CLASS 1-A4A CERTIFICATE

 

UNLESS THIS CERTIFICATE IS PRESENTED BY AN AUTHORIZED REPRESENTATIVE OF THE DEPOSITORY TRUST COMPANY, A NEW YORK CORPORATION (“DTC”), TO THE TRUSTEE 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.

 

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”).

 

	
Series 2006-AR7

 

Pass-Through Rate: Variable

 

Cut-off Date and date of Pooling and Servicing Agreement: October 1, 2006

 

First Distribution Date: November 25, 2006

 

No. 1
	
Aggregate Certificate Principal Balance of the Class 1-A4A Certificates as of the Issue Date: $169,483,000.00

 

Denomination: $169,483,000.00

 

Master Servicer: CitiMortgage, Inc.

 

Trust Administrator: CitiMortgage, Inc.

 

Certificate Registrar, Paying Agent and Authenticating Agent: Citibank, N.A.

 

Trustee: U.S. Bank National Association

 

Issue Date: October 31, 2006

 

CUSIP: 172987 AF 6

 

DISTRIBUTIONS IN REDUCTION OF THE CERTIFICATE PRINCIPAL BALANCE OF THIS CERTIFICATE MAY BE MADE MONTHLY AS SET FORTH HEREIN. ACCORDINGLY, THE OUTSTANDING CERTIFICATE PRINCIPAL BALANCE HEREOF AT ANY TIME MAY BE LESS THAN THE AMOUNT SHOWN ABOVE AS THE DENOMINATION OF THIS CERTIFICATE.

 

MORTGAGE PASS-THROUGH CERTIFICATE

 

evidencing a beneficial ownership interest in a Trust Fund (the “Trust Fund”) consisting primarily of a pool of conventional one- to four-family, adjustable-rate and fixed-rate, first lien mortgage loans (the “Mortgage Loans”) formed and sold by

 

CITIGROUP MORTGAGE LOAN TRUST INC.

 

THIS CERTIFICATE DOES NOT REPRESENT AN OBLIGATION OF OR INTEREST IN CITIGROUP MORTGAGE LOAN TRUST INC., THE MASTER SERVICER, THE TRUST ADMINISTRATOR, CITIBANK, N.A., THE TRUSTEE OR ANY OF THEIR RESPECTIVE AFFILIATES. NEITHER THIS CERTIFICATE NOR THE UNDERLYING MORTGAGE LOANS ARE GUARANTEED BY ANY AGENCY OR INSTRUMENTALITY OF THE UNITED STATES.

 

This certifies that Cede & Co. is the registered owner of a Percentage Interest (obtained by dividing the denomination of this Certificate by the aggregate Certificate Principal Balance of the Class 1-A4A Certificates as of the Issue Date) in that certain beneficial ownership interest evidenced by all the Class 1-A4A Certificates in the Trust Fund created pursuant to a Pooling and Servicing Agreement, dated as specified above (the “Agreement”), among Citigroup Mortgage Loan Trust Inc. (hereinafter called the “Depositor,” which term includes any successor entity under the Agreement), the Master Servicer, the Trust Administrator, Citibank, N.A. and 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, distributions 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 (a “Distribution Date”), commencing on the First Distribution Date specified above, to the Person in whose name this Certificate is registered on the Record Date, in an amount equal to the product of the Percentage Interest evidenced by this Certificate and the amount
required to be distributed to the Holders of Class 1-A4A Certificates on such Distribution Date pursuant to the Agreement.

 

All distributions to the Holder of this Certificate under the Agreement will be made or caused to be made by the Paying Agent by wire transfer in immediately available funds to the account of the Person entitled thereto if such Person shall have so notified the Paying Agent in writing at least five Business Days prior to the Record Date immediately prior to such Distribution Date or otherwise by check mailed by first class mail to the address of the Person entitled thereto, as such name and address shall appear on the Certificate Register. Notwithstanding the above, the final distribution on this Certificate will be made after due notice by the Paying Agent of the pendency of such distribution and only upon presentation and surrender of this Certificate at the office or agency appointed by the Paying Agent for
that purpose as provided in the Agreement.

 

This Certificate is one of a duly authorized issue of Certificates designated as Mortgage Pass-Through Certificates of the Series specified on the face hereof (herein called the “Certificates”) and representing the Percentage Interest specified above in the Class of Certificates to which this Certificate belongs.

 

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. As provided in the Agreement, withdrawals from the Collection Account and the Distribution Account may be made from time to time for purposes other than distributions to Certificateholders, such purposes including reimbursement of advances made, or certain expenses incurred, with respect to the Mortgage Loans.

 

The Agreement permits, with certain exceptions therein provided, the amendment thereof and the modification of the rights and obligations of the Depositor, the Master Servicer, the Trust Administrator, Citibank, N.A., the Trustee and the rights of the Certificateholders, under the Agreement at any time by the Depositor, the Master Servicer, the Trust Administrator, Citibank, N.A. and the Trustee with the consent of the Holders of Certificates entitled to at least 66% of the Voting Rights. Any such consent by the Holder of this Certificate shall be conclusive and binding on such Holder and upon all future Holders of this Certificate and of any Certificate issued upon the transfer hereof or in exchange herefor or in lieu hereof whether or not notation of such consent is made upon this Certificate. The Agreement
also permits the amendment thereof, in certain limited circumstances, without the consent of the Holders of any of the Certificates.

 

As provided in the 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 Certificate Registrar as provided in the Agreement, duly endorsed by, or accompanied by an assignment in the form below or other written instrument of transfer in form satisfactory to 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 the same Class in authorized denominations evidencing the same aggregate Percentage Interest will be issued to the designated transferee or transferees.

 

The Certificates are issuable in fully registered form only without coupons in Classes and denominations representing Percentage Interests specified in the Agreement. As provided in the Agreement and subject to certain limitations therein set forth, the Certificates are exchangeable for new Certificates of the same Class in authorized denominations evidencing the same 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 of Certificates, but the Certificate Registrar may require payment of a sum sufficient to cover any tax or other governmental charge that may be imposed in connection with any transfer or exchange of Certificates.

 

The Depositor, the Master Servicer, the Trust Administrator, Citibank, N.A., the Trustee and any agent of the Depositor, the Master Servicer, the Trust Administrator, Citibank, N.A. or the Trustee may treat the Person in whose name this Certificate is registered as the owner hereof for all purposes, and none of the Depositor, the Master Servicer, the Trust Administrator, Citibank, N.A., the Trustee nor any such agent shall be affected by notice to the contrary.

 

The obligations created by the Agreement and the Trust Fund created thereby shall terminate upon payment to the Certificateholders of all amounts held by the Trustee and required to be paid to them pursuant to the Agreement following the earlier of (i) the final payment or other liquidation (or any advance with respect thereto) of the last Mortgage Loan and REO Property remaining in the Trust Fund and (ii) the purchase by the party designated in the Agreement at a price determined as provided in the Agreement from the Trust Fund of all the Mortgage Loans and all property acquired in respect of such Mortgage Loans. The Agreement permits, but does not require, the party designated in the Agreement to purchase from the Trust Fund all the Mortgage Loans in the Collateral Pool relating to this Certificate and all
property acquired in respect of any Mortgage Loan in such Collateral Pool at a price determined as provided in the Agreement. The exercise of such right will effect early retirement of the Certificates relating to such Collateral Pool; however, such right to purchase is subject to the aggregate Stated Principal Balance of the Mortgage Loans in such Collateral Pool at the time of purchase being less than 5% of the aggregate principal balance of the Mortgage Loans in such Collateral Pool as of the Cut-off Date.

 

The recitals contained herein shall be taken as statements of the Depositor, and the Trustee assumes no responsibility for their correctness.

 

Unless the certificate of authentication hereon has been executed by the Authenticating Agent, by manual signature, this Certificate shall not be entitled to any benefit under the Agreement or be valid for any purpose.

IN WITNESS WHEREOF, the Paying Agent has caused this Certificate to be duly executed.

 

Dated: October ___, 2006

 

	 	 	 	 	 	 	 	
CITIBANK, N.A., not in its individual

capacity, but solely as Paying Agent

	 	 	 	 	 	 	 	 	 	 	 	 	 	 
	 	 	 	 	 	 	 	 	 	 	 	 	 	 
	 	 	 	 	 	 	 	
By:
	 
	 	 	 	 	 	 	 	 	
Authorized Officer

CERTIFICATE OF AUTHENTICATION

 

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

 

	 	 	 	 	 	 	 	
CITIGROUP MORTGAGE LOAN TRUST

INC., MORTGAGE PASS THROUGH

CERTIFICATES, SERIES 2006-AR7

 

CITIBANK, N.A., not in its individual

capacity, but solely as Authenticating Agent

	 	 	 	 	 	 	 	 	 	 	 	 	 	 
	 	 	 	 	 	 	 	 	 	 	 	 	 	 
	 	 	 	 	 	 	 	
By:
	 
	 	 	 	 	 	 	 	 	
Authorized Officer

 

ABBREVIATIONS

 

The following abbreviations, when used in the inscription on the face of this instrument, shall be construed as though they were written out in full according to applicable laws or regulations:

 

	
TEN COM -
	
as tenants in common
	
UNIF GIFT MIN ACT - Custodian

	 	 	 	 
	
TEN ENT -
	
as tenants by the entireties
	
(Cust) (Minor) under

Uniform Gifts to Minors Act

	 	 	 	 
	
JT TEN -
	
as joint tenants with right of survivorship and not as tenants in common
	 	
State

Additional abbreviations may also be used though not in the above list.

 

ASSIGNMENT

 

FOR VALUE RECEIVED, the undersigned hereby sell(s), assign(s) and transfer(s) unto 

	 	 	 
	 	 	 

(Please print or typewrite name, address including postal zip code, and Taxpayer Identification Number of assignee) a Percentage Interest equal to ____% evidenced by the within Mortgage Pass-Through Certificates and hereby authorize(s) the registration of transfer of such interest to assignee on the Certificate Register of the Trust Fund.

 

I (we) further direct the Trustee to issue a new Certificate of a like Percentage Interest 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.
	 	 

 

EXHIBIT A-9

 

FORM OF CLASS 1-A4B CERTIFICATE

 

UNLESS THIS CERTIFICATE IS PRESENTED BY AN AUTHORIZED REPRESENTATIVE OF THE DEPOSITORY TRUST COMPANY, A NEW YORK CORPORATION (“DTC”), TO THE TRUSTEE 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.

 

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”).

 

	
Series 2006-AR7

 

Pass-Through Rate: Variable

 

Cut-off Date and date of Pooling and Servicing Agreement: October 1, 2006

 

First Distribution Date: November 25, 2006

 

No. 1
	
Aggregate Certificate Principal Balance of the Class 1-A4B Certificates as of the Issue Date: $7,270,000.00

 

Denomination: $7,270,000.00

 

Master Servicer: CitiMortgage, Inc.

 

Trust Administrator: CitiMortgage, Inc.

 

Certificate Registrar, Paying Agent and Authenticating Agent: Citibank, N.A.

 

Trustee: U.S. Bank National Association

 

Issue Date: October 31, 2006

 

CUSIP: 172987 AG 4

 

DISTRIBUTIONS IN REDUCTION OF THE CERTIFICATE PRINCIPAL BALANCE OF THIS CERTIFICATE MAY BE MADE MONTHLY AS SET FORTH HEREIN. ACCORDINGLY, THE OUTSTANDING CERTIFICATE PRINCIPAL BALANCE HEREOF AT ANY TIME MAY BE LESS THAN THE AMOUNT SHOWN ABOVE AS THE DENOMINATION OF THIS CERTIFICATE.

 

MORTGAGE PASS-THROUGH CERTIFICATE

 

evidencing a beneficial ownership interest in a Trust Fund (the “Trust Fund”) consisting primarily of a pool of conventional one- to four-family, adjustable-rate and fixed-rate, first lien mortgage loans (the “Mortgage Loans”) formed and sold by

 

CITIGROUP MORTGAGE LOAN TRUST INC.

 

THIS CERTIFICATE DOES NOT REPRESENT AN OBLIGATION OF OR INTEREST IN CITIGROUP MORTGAGE LOAN TRUST INC., THE MASTER SERVICER, THE TRUST ADMINISTRATOR, CITIBANK, N.A., THE TRUSTEE OR ANY OF THEIR RESPECTIVE AFFILIATES. NEITHER THIS CERTIFICATE NOR THE UNDERLYING MORTGAGE LOANS ARE GUARANTEED BY ANY AGENCY OR INSTRUMENTALITY OF THE UNITED STATES.

 

This certifies that Cede & Co. is the registered owner of a Percentage Interest (obtained by dividing the denomination of this Certificate by the aggregate Certificate Principal Balance of the Class 1-A4B Certificates as of the Issue Date) in that certain beneficial ownership interest evidenced by all the Class 1-A4B Certificates in the Trust Fund created pursuant to a Pooling and Servicing Agreement, dated as specified above (the “Agreement”), among Citigroup Mortgage Loan Trust Inc. (hereinafter called the “Depositor,” which term includes any successor entity under the Agreement), the Master Servicer, the Trust Administrator, Citibank, N.A. and 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, distributions 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 (a “Distribution Date”), commencing on the First Distribution Date specified above, to the Person in whose name this Certificate is registered on the Record Date, in an amount equal to the product of the Percentage Interest evidenced by this Certificate and the amount
required to be distributed to the Holders of Class 1-A4B Certificates on such Distribution Date pursuant to the Agreement.

 

All distributions to the Holder of this Certificate under the Agreement will be made or caused to be made by the Paying Agent by wire transfer in immediately available funds to the account of the Person entitled thereto if such Person shall have so notified the Paying Agent in writing at least five Business Days prior to the Record Date immediately prior to such Distribution Date or otherwise by check mailed by first class mail to the address of the Person entitled thereto, as such name and address shall appear on the Certificate Register. Notwithstanding the above, the final distribution on this Certificate will be made after due notice by the Paying Agent of the pendency of such distribution and only upon presentation and surrender of this Certificate at the office or agency appointed by the Paying Agent for
that purpose as provided in the Agreement.

 

This Certificate is one of a duly authorized issue of Certificates designated as Mortgage Pass-Through Certificates of the Series specified on the face hereof (herein called the “Certificates”) and representing the Percentage Interest specified above in the Class of Certificates to which this Certificate belongs.

 

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. As provided in the Agreement, withdrawals from the Collection Account and the Distribution Account may be made from time to time for purposes other than distributions to Certificateholders, such purposes including reimbursement of advances made, or certain expenses incurred, with respect to the Mortgage Loans.

 

The Agreement permits, with certain exceptions therein provided, the amendment thereof and the modification of the rights and obligations of the Depositor, the Master Servicer, the Trust Administrator, Citibank, N.A., the Trustee and the rights of the Certificateholders, under the Agreement at any time by the Depositor, the Master Servicer, the Trust Administrator, Citibank, N.A. and the Trustee with the consent of the Holders of Certificates entitled to at least 66% of the Voting Rights. Any such consent by the Holder of this Certificate shall be conclusive and binding on such Holder and upon all future Holders of this Certificate and of any Certificate issued upon the transfer hereof or in exchange herefor or in lieu hereof whether or not notation of such consent is made upon this Certificate. The Agreement
also permits the amendment thereof, in certain limited circumstances, without the consent of the Holders of any of the Certificates.

 

As provided in the 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 Certificate Registrar as provided in the Agreement, duly endorsed by, or accompanied by an assignment in the form below or other written instrument of transfer in form satisfactory to 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 the same Class in authorized denominations evidencing the same aggregate Percentage Interest will be issued to the designated transferee or transferees.

 

The Certificates are issuable in fully registered form only without coupons in Classes and denominations representing Percentage Interests specified in the Agreement. As provided in the Agreement and subject to certain limitations therein set forth, the Certificates are exchangeable for new Certificates of the same Class in authorized denominations evidencing the same 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 of Certificates, but the Certificate Registrar may require payment of a sum sufficient to cover any tax or other governmental charge that may be imposed in connection with any transfer or exchange of Certificates.

 

The Depositor, the Master Servicer, the Trust Administrator, Citibank, N.A., the Trustee and any agent of the Depositor, the Master Servicer, the Trust Administrator, Citibank, N.A. or the Trustee may treat the Person in whose name this Certificate is registered as the owner hereof for all purposes, and none of the Depositor, the Master Servicer, the Trust Administrator, Citibank, N.A., the Trustee nor any such agent shall be affected by notice to the contrary.

 

The obligations created by the Agreement and the Trust Fund created thereby shall terminate upon payment to the Certificateholders of all amounts held by the Trustee and required to be paid to them pursuant to the Agreement following the earlier of (i) the final payment or other liquidation (or any advance with respect thereto) of the last Mortgage Loan and REO Property remaining in the Trust Fund and (ii) the purchase by the party designated in the Agreement at a price determined as provided in the Agreement from the Trust Fund of all the Mortgage Loans and all property acquired in respect of such Mortgage Loans. The Agreement permits, but does not require, the party designated in the Agreement to purchase from the Trust Fund all the Mortgage Loans in the Collateral Pool relating to this Certificate and all
property acquired in respect of any Mortgage Loan in such Collateral Pool at a price determined as provided in the Agreement. The exercise of such right will effect early retirement of the Certificates relating to such Collateral Pool; however, such right to purchase is subject to the aggregate Stated Principal Balance of the Mortgage Loans in such Collateral Pool at the time of purchase being less than 5% of the aggregate principal balance of the Mortgage Loans in such Collateral Pool as of the Cut-off Date.

 

The recitals contained herein shall be taken as statements of the Depositor, and the Trustee assumes no responsibility for their correctness.

 

Unless the certificate of authentication hereon has been executed by the Authenticating Agent, by manual signature, this Certificate shall not be entitled to any benefit under the Agreement or be valid for any purpose.

IN WITNESS WHEREOF, the Paying Agent has caused this Certificate to be duly executed.

 

Dated: October ___, 2006

 

	 	 	 	 	 	 	 	
CITIBANK, N.A., not in its individual

capacity, but solely as Paying Agent

	 	 	 	 	 	 	 	 	 	 	 	 	 	 
	 	 	 	 	 	 	 	 	 	 	 	 	 	 
	 	 	 	 	 	 	 	
By:
	 
	 	 	 	 	 	 	 	 	
Authorized Officer

CERTIFICATE OF AUTHENTICATION

 

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

 

	 	 	 	 	 	 	 	
CITIGROUP MORTGAGE LOAN TRUST

INC., MORTGAGE PASS THROUGH

CERTIFICATES, SERIES 2006-AR7

 

CITIBANK, N.A., not in its individual

capacity, but solely as Authenticating Agent

	 	 	 	 	 	 	 	 	 	 	 	 	 	 
	 	 	 	 	 	 	 	 	 	 	 	 	 	 
	 	 	 	 	 	 	 	
By:
	 
	 	 	 	 	 	 	 	 	
Authorized Officer

 

ABBREVIATIONS

 

The following abbreviations, when used in the inscription on the face of this instrument, shall be construed as though they were written out in full according to applicable laws or regulations:

 

	
TEN COM -
	
as tenants in common
	
UNIF GIFT MIN ACT - Custodian

	 	 	 	 
	
TEN ENT -
	
as tenants by the entireties
	
(Cust) (Minor) under

Uniform Gifts to Minors Act

	 	 	 	 
	
JT TEN -
	
as joint tenants with right of survivorship and not as tenants in common
	 	
State

Additional abbreviations may also be used though not in the above list.

 

ASSIGNMENT

 

FOR VALUE RECEIVED, the undersigned hereby sell(s), assign(s) and transfer(s) unto 

	 	 	 
	 	 	 

(Please print or typewrite name, address including postal zip code, and Taxpayer Identification Number of assignee) a Percentage Interest equal to ____% evidenced by the within Mortgage Pass-Through Certificates and hereby authorize(s) the registration of transfer of such interest to assignee on the Certificate Register of the Trust Fund.

 

I (we) further direct the Trustee to issue a new Certificate of a like Percentage Interest 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.
	 	 

EXHIBIT A-10

 

FORM OF CLASS 1-4IO CERTIFICATE

 

UNLESS THIS CERTIFICATE IS PRESENTED BY AN AUTHORIZED REPRESENTATIVE OF THE DEPOSITORY TRUST COMPANY, A NEW YORK CORPORATION (“DTC”), TO THE TRUSTEE 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.

 

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”).

 

	
Series 2006-AR7

 

Pass-Through Rate: 0.254% per annum

 

Cut-off Date and date of Pooling and Servicing Agreement: October 1, 2006

 

First Distribution Date: November 25, 2006

 

No. 1
	
Aggregate Notional Amount of the Class 1-4IO Certificates as of the Issue Date: $176,753,000.00

 

Denomination: $176,753,000.00

 

Master Servicer: CitiMortgage, Inc.

 

Trust Administrator: CitiMortgage, Inc.

 

Certificate Registrar, Paying Agent and Authenticating Agent: Citibank, N.A.

 

Trustee: U.S. Bank National Association

 

Issue Date: October 31, 2006

 

CUSIP: 172987 AK 5

 

THE NOTIONAL AMOUNT OF THIS CERTIFICATE WILL DECLINE MONTHLY. ACCORDINGLY, THE OUTSTANDING NOTIONAL AMOUNT HEREOF AT ANY TIME MAY BE LESS THAN THE AMOUNT SHOWN ABOVE AS THE DENOMINATION OF THIS CERTIFICATE.

 

MORTGAGE PASS-THROUGH CERTIFICATE

 

evidencing a beneficial ownership interest in a Trust Fund (the “Trust Fund”) consisting primarily of a pool of conventional one- to four-family, adjustable-rate and fixed-rate, first lien mortgage loans (the “Mortgage Loans”) formed and sold by

 

CITIGROUP MORTGAGE LOAN TRUST INC.

 

THIS CERTIFICATE DOES NOT REPRESENT AN OBLIGATION OF OR INTEREST IN CITIGROUP MORTGAGE LOAN TRUST INC., THE MASTER SERVICER, THE TRUST ADMINISTRATOR, CITIBANK, N.A., THE TRUSTEE OR ANY OF THEIR RESPECTIVE AFFILIATES. NEITHER THIS CERTIFICATE NOR THE UNDERLYING MORTGAGE LOANS ARE GUARANTEED BY ANY AGENCY OR INSTRUMENTALITY OF THE UNITED STATES.

 

This certifies that Cede & Co. is the registered owner of a Percentage Interest (obtained by dividing the denomination of this Certificate by the aggregate Notional Amount of the Class 1-4IO Certificates as of the Issue Date) in that certain beneficial ownership interest evidenced by all the Class 1-4IO Certificates in the Trust Fund created pursuant to a Pooling and Servicing Agreement, dated as specified above (the “Agreement”), among Citigroup Mortgage Loan Trust Inc. (hereinafter called the “Depositor,” which term includes any successor entity under the Agreement), the Master Servicer, the Trust Administrator, Citibank, N.A. and 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, distributions 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 (a “Distribution Date”), commencing on the First Distribution Date specified above, to the Person in whose name this Certificate is registered on the Record Date, in an amount equal to the product of the Percentage Interest evidenced by this Certificate and the amount
required to be distributed to the Holders of Class 1-4IO Certificates on such Distribution Date pursuant to the Agreement.

 

All distributions to the Holder of this Certificate under the Agreement will be made or caused to be made by the Paying Agent by wire transfer in immediately available funds to the account of the Person entitled thereto if such Person shall have so notified the Paying Agent in writing at least five Business Days prior to the Record Date immediately prior to such Distribution Date or otherwise by check mailed by first class mail to the address of the Person entitled thereto, as such name and address shall appear on the Certificate Register. Notwithstanding the above, the final distribution on this Certificate will be made after due notice by the Paying Agent of the pendency of such distribution and only upon presentation and surrender of this Certificate at the office or agency appointed by the Paying Agent for
that purpose as provided in the Agreement.

 

This Certificate is one of a duly authorized issue of Certificates designated as Mortgage Pass-Through Certificates of the Series specified on the face hereof (herein called the “Certificates”) and representing the Percentage Interest specified above in the Class of Certificates to which this Certificate belongs.

 

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. As provided in the Agreement, withdrawals from the Collection Account and the Distribution Account may be made from time to time for purposes other than distributions to Certificateholders, such purposes including reimbursement of advances made, or certain expenses incurred, with respect to the Mortgage Loans.

 

The Agreement permits, with certain exceptions therein provided, the amendment thereof and the modification of the rights and obligations of the Depositor, the Master Servicer, the Trust Administrator, Citibank, N.A., the Trustee and the rights of the Certificateholders, under the Agreement at any time by the Depositor, the Master Servicer, the Trust Administrator, Citibank, N.A. and the Trustee with the consent of the Holders of Certificates entitled to at least 66% of the Voting Rights. Any such consent by the Holder of this Certificate shall be conclusive and binding on such Holder and upon all future Holders of this Certificate and of any Certificate issued upon the transfer hereof or in exchange herefor or in lieu hereof whether or not notation of such consent is made upon this Certificate. The Agreement
also permits the amendment thereof, in certain limited circumstances, without the consent of the Holders of any of the Certificates.

 

As provided in the 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 Certificate Registrar as provided in the Agreement, duly endorsed by, or accompanied by an assignment in the form below or other written instrument of transfer in form satisfactory to 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 the same Class in authorized denominations evidencing the same aggregate Percentage Interest will be issued to the designated transferee or transferees.

 

The Certificates are issuable in fully registered form only without coupons in Classes and denominations representing Percentage Interests specified in the Agreement. As provided in the Agreement and subject to certain limitations therein set forth, the Certificates are exchangeable for new Certificates of the same Class in authorized denominations evidencing the same 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 of Certificates, but the Certificate Registrar may require payment of a sum sufficient to cover any tax or other governmental charge that may be imposed in connection with any transfer or exchange of Certificates.

 

The Depositor, the Master Servicer, the Trust Administrator, Citibank, N.A., the Trustee and any agent of the Depositor, the Master Servicer, the Trust Administrator, Citibank, N.A. or the Trustee may treat the Person in whose name this Certificate is registered as the owner hereof for all purposes, and none of the Depositor, the Master Servicer, the Trust Administrator, Citibank, N.A., the Trustee nor any such agent shall be affected by notice to the contrary.

 

The obligations created by the Agreement and the Trust Fund created thereby shall terminate upon payment to the Certificateholders of all amounts held by the Trustee and required to be paid to them pursuant to the Agreement following the earlier of (i) the final payment or other liquidation (or any advance with respect thereto) of the last Mortgage Loan and REO Property remaining in the Trust Fund and (ii) the purchase by the party designated in the Agreement at a price determined as provided in the Agreement from the Trust Fund of all the Mortgage Loans and all property acquired in respect of such Mortgage Loans. The Agreement permits, but does not require, the party designated in the Agreement to purchase from the Trust Fund all the Mortgage Loans in the Collateral Pool relating to this Certificate and all
property acquired in respect of any Mortgage Loan in such Collateral Pool at a price determined as provided in the Agreement. The exercise of such right will effect early retirement of the Certificates relating to such Collateral Pool; however, such right to purchase is subject to the aggregate Stated Principal Balance of the Mortgage Loans in such Collateral Pool at the time of purchase being less than 5% of the aggregate principal balance of the Mortgage Loans in such Collateral Pool as of the Cut-off Date.

 

The recitals contained herein shall be taken as statements of the Depositor, and the Trustee assumes no responsibility for their correctness.

 

Unless the certificate of authentication hereon has been executed by the Authenticating Agent, by manual signature, this Certificate shall not be entitled to any benefit under the Agreement or be valid for any purpose.

IN WITNESS WHEREOF, the Paying Agent has caused this Certificate to be duly executed.

 

Dated: October ___, 2006

 

	 	 	 	 	 	 	 	
CITIBANK, N.A., not in its individual

capacity, but solely as Paying Agent

	 	 	 	 	 	 	 	 	 	 	 	 	 	 
	 	 	 	 	 	 	 	 	 	 	 	 	 	 
	 	 	 	 	 	 	 	
By:
	 
	 	 	 	 	 	 	 	 	
Authorized Officer

CERTIFICATE OF AUTHENTICATION

 

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

 

	 	 	 	 	 	 	 	
CITIGROUP MORTGAGE LOAN TRUST

INC., MORTGAGE PASS THROUGH

CERTIFICATES, SERIES 2006-AR7

 

CITIBANK, N.A., not in its individual

capacity, but solely as Authenticating Agent

	 	 	 	 	 	 	 	 	 	 	 	 	 	 
	 	 	 	 	 	 	 	 	 	 	 	 	 	 
	 	 	 	 	 	 	 	
By:
	 
	 	 	 	 	 	 	 	 	
Authorized Officer

 

ABBREVIATIONS

 

The following abbreviations, when used in the inscription on the face of this instrument, shall be construed as though they were written out in full according to applicable laws or regulations:

 

	
TEN COM -
	
as tenants in common
	
UNIF GIFT MIN ACT - Custodian

	 	 	 	 
	
TEN ENT -
	
as tenants by the entireties
	
(Cust) (Minor) under

Uniform Gifts to Minors Act

	 	 	 	 
	
JT TEN -
	
as joint tenants with right of survivorship and not as tenants in common
	 	
State

Additional abbreviations may also be used though not in the above list.

 

ASSIGNMENT

 

FOR VALUE RECEIVED, the undersigned hereby sell(s), assign(s) and transfer(s) unto 

	 	 	 
	 	 	 

(Please print or typewrite name, address including postal zip code, and Taxpayer Identification Number of assignee) a Percentage Interest equal to ____% evidenced by the within Mortgage Pass-Through Certificates and hereby authorize(s) the registration of transfer of such interest to assignee on the Certificate Register of the Trust Fund.

 

I (we) further direct the Trustee to issue a new Certificate of a like Percentage Interest 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.
	 	 

 

EXHIBIT A-11

 

FORM OF CLASS 1-B1 CERTIFICATE

 

UNLESS THIS CERTIFICATE IS PRESENTED BY AN AUTHORIZED REPRESENTATIVE OF THE DEPOSITORY TRUST COMPANY, A NEW YORK CORPORATION (“DTC”), TO THE TRUSTEE 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.

 

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”).

 

ANY TRANSFEREE OF THIS CERTIFICATE SHALL MAKE OR SHALL BE DEEMED TO MAKE THE REPRESENTATIONS IN SECTION 5.02(C) OF THE POOLING AND SERVICING AGREEMENT REFERRED TO HEREIN.

 

THIS CERTIFICATE IS SUBORDINATE TO THE GROUP 1 SENIOR CERTIFICATES TO THE EXTENT DESCRIBED IN THE POOLING AND SERVICING AGREEMENT REFERRED TO HEREIN.

 

	
Series 2006-AR7

 

Pass-Through Rate: Variable

 

Cut-off Date and date of Pooling and Servicing Agreement: October 1, 2006

 

First Distribution Date: November 25, 2006

 

No. 1
	
Aggregate Certificate Principal Balance of the Class 1-B1 Certificates as of the Issue Date: $8,902,000.00

 

Denomination: $8,902,000.00

 

Master Servicer: CitiMortgage, Inc.

 

Trust Administrator: CitiMortgage, Inc.

 

Certificate Registrar, Paying Agent and Authenticating Agent: Citibank, N.A.

 

Trustee: U.S. Bank National Association

 

Issue Date: October 31, 2006

 

CUSIP: 172987 AL 3

 

DISTRIBUTIONS IN REDUCTION OF THE CERTIFICATE PRINCIPAL BALANCE OF THIS CERTIFICATE MAY BE MADE MONTHLY AS SET FORTH HEREIN. ACCORDINGLY, THE OUTSTANDING CERTIFICATE PRINCIPAL BALANCE HEREOF AT ANY TIME MAY BE LESS THAN THE AMOUNT SHOWN ABOVE AS THE DENOMINATION OF THIS CERTIFICATE.

 

MORTGAGE PASS-THROUGH CERTIFICATE

 

evidencing a beneficial ownership interest in a Trust Fund (the “Trust Fund”) consisting primarily of a pool of conventional one- to four-family, adjustable-rate and fixed-rate, first lien mortgage loans (the “Mortgage Loans”) formed and sold by

 

CITIGROUP MORTGAGE LOAN TRUST INC.

 

THIS CERTIFICATE DOES NOT REPRESENT AN OBLIGATION OF OR INTEREST IN CITIGROUP MORTGAGE LOAN TRUST INC., THE MASTER SERVICER, THE TRUST ADMINISTRATOR, CITIBANK, N.A., THE TRUSTEE OR ANY OF THEIR RESPECTIVE AFFILIATES. NEITHER THIS CERTIFICATE NOR THE UNDERLYING MORTGAGE LOANS ARE GUARANTEED BY ANY AGENCY OR INSTRUMENTALITY OF THE UNITED STATES.

 

This certifies that Cede & Co. is the registered owner of a Percentage Interest (obtained by dividing the denomination of this Certificate by the aggregate Certificate Principal Balance of the Class 1-B1 Certificates as of the Issue Date) in that certain beneficial ownership interest evidenced by all the Class 1-B1 Certificates in the Trust Fund created pursuant to a Pooling and Servicing Agreement, dated as specified above (the “Agreement”), among Citigroup Mortgage Loan Trust Inc. (hereinafter called the “Depositor,” which term includes any successor entity under the Agreement), the Master Servicer, the Trust Administrator, Citibank, N.A. and 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, distributions 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 (a “Distribution Date”), commencing on the First Distribution Date specified above, to the Person in whose name this Certificate is registered on the Record Date, in an amount equal to the product of the Percentage Interest evidenced by this Certificate and the amount
required to be distributed to the Holders of Class 1-B1 Certificates on such Distribution Date pursuant to the Agreement.

 

All distributions to the Holder of this Certificate under the Agreement will be made or caused to be made by the Paying Agent by wire transfer in immediately available funds to the account of the Person entitled thereto if such Person shall have so notified the Paying Agent in writing at least five Business Days prior to the Record Date immediately prior to such Distribution Date or otherwise by check mailed by first class mail to the address of the Person entitled thereto, as such name and address shall appear on the Certificate Register. Notwithstanding the above, the final distribution on this Certificate will be made after due notice by the Paying Agent of the pendency of such distribution and only upon presentation and surrender of this Certificate at the office or agency appointed by the Paying Agent for
that purpose as provided in the Agreement.

 

This Certificate is one of a duly authorized issue of Certificates designated as Mortgage Pass-Through Certificates of the Series specified on the face hereof (herein called the “Certificates”) and representing the Percentage Interest specified above in the Class of Certificates to which this Certificate belongs.

 

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. As provided in the Agreement, withdrawals from the Collection Account and the Distribution Account may be made from time to time for purposes other than distributions to Certificateholders, such purposes including reimbursement of advances made, or certain expenses incurred, with respect to the Mortgage Loans.

 

The Agreement permits, with certain exceptions therein provided, the amendment thereof and the modification of the rights and obligations of the Depositor, the Master Servicer, the Trust Administrator, Citibank, N.A., the Trustee and the rights of the Certificateholders, under the Agreement at any time by the Depositor, the Master Servicer, the Trust Administrator, Citibank, N.A. and the Trustee with the consent of the Holders of Certificates entitled to at least 66% of the Voting Rights. Any such consent by the Holder of this Certificate shall be conclusive and binding on such Holder and upon all future Holders of this Certificate and of any Certificate issued upon the transfer hereof or in exchange herefor or in lieu hereof whether or not notation of such consent is made upon this Certificate. The Agreement
also permits the amendment thereof, in certain limited circumstances, without the consent of the Holders of any of the Certificates.

 

As provided in the 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 Certificate Registrar as provided in the Agreement, duly endorsed by, or accompanied by an assignment in the form below or other written instrument of transfer in form satisfactory to 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 the same Class in authorized denominations evidencing the same aggregate Percentage Interest will be issued to the designated transferee or transferees.

 

Any transfer of this Certificate to a 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 using “Plan Assets” to acquire this Certificate shall be made in accordance with Section 5.02(c) of the Agreement.

 

The Certificates are issuable in fully registered form only without coupons in Classes and denominations representing Percentage Interests specified in the Agreement. As provided in the Agreement and subject to certain limitations therein set forth, the Certificates are exchangeable for new Certificates of the same Class in authorized denominations evidencing the same 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 of Certificates, but the Certificate Registrar may require payment of a sum sufficient to cover any tax or other governmental charge that may be imposed in connection with any transfer or exchange of Certificates.

 

The Depositor, the Master Servicer, the Trust Administrator, Citibank, N.A., the Trustee and any agent of the Depositor, the Master Servicer, the Trust Administrator, Citibank, N.A. or the Trustee may treat the Person in whose name this Certificate is registered as the owner hereof for all purposes, and none of the Depositor, the Master Servicer, the Trust Administrator, Citibank, N.A., the Trustee nor any such agent shall be affected by notice to the contrary.

 

The obligations created by the Agreement and the Trust Fund created thereby shall terminate upon payment to the Certificateholders of all amounts held by the Trustee and required to be paid to them pursuant to the Agreement following the earlier of (i) the final payment or other liquidation (or any advance with respect thereto) of the last Mortgage Loan and REO Property remaining in the Trust Fund and (ii) the purchase by the party designated in the Agreement at a price determined as provided in the Agreement from the Trust Fund of all the Mortgage Loans and all property acquired in respect of such Mortgage Loans. The Agreement permits, but does not require, the party designated in the Agreement to purchase from the Trust Fund all the Mortgage Loans in the Collateral Pool relating to this Certificate and all
property acquired in respect of any Mortgage Loan in such Collateral Pool at a price determined as provided in the Agreement. The exercise of such right will effect early retirement of the Certificates relating to such Collateral Pool; however, such right to purchase is subject to the aggregate Stated Principal Balance of the Mortgage Loans in such Collateral Pool at the time of purchase being less than 5% of the aggregate principal balance of the Mortgage Loans in such Collateral Pool as of the Cut-off Date.

 

The recitals contained herein shall be taken as statements of the Depositor, and the Trustee assumes no responsibility for their correctness.

 

Unless the certificate of authentication hereon has been executed by the Authenticating Agent, by manual signature, this Certificate shall not be entitled to any benefit under the Agreement or be valid for any purpose.

IN WITNESS WHEREOF, the Paying Agent has caused this Certificate to be duly executed.

 

Dated: October ___, 2006

 

	 	 	 	 	 	 	 	
CITIBANK, N.A., not in its individual

capacity, but solely as Paying Agent

	 	 	 	 	 	 	 	 	 	 	 	 	 	 
	 	 	 	 	 	 	 	 	 	 	 	 	 	 
	 	 	 	 	 	 	 	
By:
	 
	 	 	 	 	 	 	 	 	
Authorized Officer

CERTIFICATE OF AUTHENTICATION

 

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

 

	 	 	 	 	 	 	 	
CITIGROUP MORTGAGE LOAN TRUST

INC., MORTGAGE PASS THROUGH

CERTIFICATES, SERIES 2006-AR7

 

CITIBANK, N.A., not in its individual

capacity, but solely as Authenticating Agent

	 	 	 	 	 	 	 	 	 	 	 	 	 	 
	 	 	 	 	 	 	 	 	 	 	 	 	 	 
	 	 	 	 	 	 	 	
By:
	 
	 	 	 	 	 	 	 	 	
Authorized Officer

 

ABBREVIATIONS

 

The following abbreviations, when used in the inscription on the face of this instrument, shall be construed as though they were written out in full according to applicable laws or regulations:

 

	
TEN COM -
	
as tenants in common
	
UNIF GIFT MIN ACT - Custodian

	 	 	 	 
	
TEN ENT -
	
as tenants by the entireties
	
(Cust) (Minor) under

Uniform Gifts to Minors Act

	 	 	 	 
	
JT TEN -
	
as joint tenants with right of survivorship and not as tenants in common
	 	
State

Additional abbreviations may also be used though not in the above list.

 

ASSIGNMENT

 

FOR VALUE RECEIVED, the undersigned hereby sell(s), assign(s) and transfer(s) unto 

	 	 	 
	 	 	 

(Please print or typewrite name, address including postal zip code, and Taxpayer Identification Number of assignee) a Percentage Interest equal to ____% evidenced by the within Mortgage Pass-Through Certificates and hereby authorize(s) the registration of transfer of such interest to assignee on the Certificate Register of the Trust Fund.

 

I (we) further direct the Trustee to issue a new Certificate of a like Percentage Interest 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.
	 	 

 

EXHIBIT A-12

 

FORM OF CLASS 1-B2 CERTIFICATE

 

UNLESS THIS CERTIFICATE IS PRESENTED BY AN AUTHORIZED REPRESENTATIVE OF THE DEPOSITORY TRUST COMPANY, A NEW YORK CORPORATION (“DTC”), TO THE TRUSTEE 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.

 

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”).

 

ANY TRANSFEREE OF THIS CERTIFICATE SHALL MAKE OR SHALL BE DEEMED TO MAKE THE REPRESENTATIONS IN SECTION 5.02(C) OF THE POOLING AND SERVICING AGREEMENT REFERRED TO HEREIN.

 

THIS CERTIFICATE IS SUBORDINATE TO THE GROUP 1 SENIOR CERTIFICATES AND THE CLASS 1-B1 CERTIFICATES TO THE EXTENT DESCRIBED IN THE POOLING AND SERVICING AGREEMENT REFERRED TO HEREIN.

 

	
Series 2006-AR7

 

Pass-Through Rate: Variable

 

Cut-off Date and date of Pooling and Servicing Agreement: October 1, 2006

 

First Distribution Date: November 25, 2006

 

No. 1
	
Aggregate Certificate Principal Balance of the Class 1-B2 Certificates as of the Issue Date: $2,893,000.00

 

Denomination: $2,893,000.00

 

Master Servicer: CitiMortgage, Inc.

 

Trust Administrator: CitiMortgage, Inc.

 

Certificate Registrar, Paying Agent and Authenticating Agent: Citibank, N.A.

 

Trustee: U.S. Bank National Association

 

Issue Date: October 31, 2006

 

CUSIP: 172987 AM 1

 

DISTRIBUTIONS IN REDUCTION OF THE CERTIFICATE PRINCIPAL BALANCE OF THIS CERTIFICATE MAY BE MADE MONTHLY AS SET FORTH HEREIN. ACCORDINGLY, THE OUTSTANDING CERTIFICATE PRINCIPAL BALANCE HEREOF AT ANY TIME MAY BE LESS THAN THE AMOUNT SHOWN ABOVE AS THE DENOMINATION OF THIS CERTIFICATE.

 

MORTGAGE PASS-THROUGH CERTIFICATE

 

evidencing a beneficial ownership interest in a Trust Fund (the “Trust Fund”) consisting primarily of a pool of conventional one- to four-family, adjustable-rate and fixed-rate, first lien mortgage loans (the “Mortgage Loans”) formed and sold by

 

CITIGROUP MORTGAGE LOAN TRUST INC.

 

THIS CERTIFICATE DOES NOT REPRESENT AN OBLIGATION OF OR INTEREST IN CITIGROUP MORTGAGE LOAN TRUST INC., THE MASTER SERVICER, THE TRUST ADMINISTRATOR, CITIBANK, N.A., THE TRUSTEE OR ANY OF THEIR RESPECTIVE AFFILIATES. NEITHER THIS CERTIFICATE NOR THE UNDERLYING MORTGAGE LOANS ARE GUARANTEED BY ANY AGENCY OR INSTRUMENTALITY OF THE UNITED STATES.

 

This certifies that Cede & Co. is the registered owner of a Percentage Interest (obtained by dividing the denomination of this Certificate by the aggregate Certificate Principal Balance of the Class 1-B2 Certificates as of the Issue Date) in that certain beneficial ownership interest evidenced by all the Class 1-B2 Certificates in the Trust Fund created pursuant to a Pooling and Servicing Agreement, dated as specified above (the “Agreement”), among Citigroup Mortgage Loan Trust Inc. (hereinafter called the “Depositor,” which term includes any successor entity under the Agreement), the Master Servicer, the Trust Administrator, Citibank, N.A. and 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, distributions 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 (a “Distribution Date”), commencing on the First Distribution Date specified above, to the Person in whose name this Certificate is registered on the Record Date, in an amount equal to the product of the Percentage Interest evidenced by this Certificate and the amount
required to be distributed to the Holders of Class 1-B2 Certificates on such Distribution Date pursuant to the Agreement.

 

All distributions to the Holder of this Certificate under the Agreement will be made or caused to be made by the Paying Agent by wire transfer in immediately available funds to the account of the Person entitled thereto if such Person shall have so notified the Paying Agent in writing at least five Business Days prior to the Record Date immediately prior to such Distribution Date or otherwise by check mailed by first class mail to the address of the Person entitled thereto, as such name and address shall appear on the Certificate Register. Notwithstanding the above, the final distribution on this Certificate will be made after due notice by the Paying Agent of the pendency of such distribution and only upon presentation and surrender of this Certificate at the office or agency appointed by the Paying Agent for
that purpose as provided in the Agreement.

 

This Certificate is one of a duly authorized issue of Certificates designated as Mortgage Pass-Through Certificates of the Series specified on the face hereof (herein called the “Certificates”) and representing the Percentage Interest specified above in the Class of Certificates to which this Certificate belongs.

 

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. As provided in the Agreement, withdrawals from the Collection Account and the Distribution Account may be made from time to time for purposes other than distributions to Certificateholders, such purposes including reimbursement of advances made, or certain expenses incurred, with respect to the Mortgage Loans.

 

The Agreement permits, with certain exceptions therein provided, the amendment thereof and the modification of the rights and obligations of the Depositor, the Master Servicer, the Trust Administrator, Citibank, N.A., the Trustee and the rights of the Certificateholders, under the Agreement at any time by the Depositor, the Master Servicer, the Trust Administrator, Citibank, N.A. and the Trustee with the consent of the Holders of Certificates entitled to at least 66% of the Voting Rights. Any such consent by the Holder of this Certificate shall be conclusive and binding on such Holder and upon all future Holders of this Certificate and of any Certificate issued upon the transfer hereof or in exchange herefor or in lieu hereof whether or not notation of such consent is made upon this Certificate. The Agreement
also permits the amendment thereof, in certain limited circumstances, without the consent of the Holders of any of the Certificates.

 

As provided in the 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 Certificate Registrar as provided in the Agreement, duly endorsed by, or accompanied by an assignment in the form below or other written instrument of transfer in form satisfactory to 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 the same Class in authorized denominations evidencing the same aggregate Percentage Interest will be issued to the designated transferee or transferees.

 

Any transfer of this Certificate to a 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 using “Plan Assets” to acquire this Certificate shall be made in accordance with Section 5.02(c) of the Agreement.

 

The Certificates are issuable in fully registered form only without coupons in Classes and denominations representing Percentage Interests specified in the Agreement. As provided in the Agreement and subject to certain limitations therein set forth, the Certificates are exchangeable for new Certificates of the same Class in authorized denominations evidencing the same 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 of Certificates, but the Certificate Registrar may require payment of a sum sufficient to cover any tax or other governmental charge that may be imposed in connection with any transfer or exchange of Certificates.

 

The Depositor, the Master Servicer, the Trust Administrator, Citibank, N.A., the Trustee and any agent of the Depositor, the Master Servicer, the Trust Administrator, Citibank, N.A. or the Trustee may treat the Person in whose name this Certificate is registered as the owner hereof for all purposes, and none of the Depositor, the Master Servicer, the Trust Administrator, Citibank, N.A., the Trustee nor any such agent shall be affected by notice to the contrary.

 

The obligations created by the Agreement and the Trust Fund created thereby shall terminate upon payment to the Certificateholders of all amounts held by the Trustee and required to be paid to them pursuant to the Agreement following the earlier of (i) the final payment or other liquidation (or any advance with respect thereto) of the last Mortgage Loan and REO Property remaining in the Trust Fund and (ii) the purchase by the party designated in the Agreement at a price determined as provided in the Agreement from the Trust Fund of all the Mortgage Loans and all property acquired in respect of such Mortgage Loans. The Agreement permits, but does not require, the party designated in the Agreement to purchase from the Trust Fund all the Mortgage Loans in the Collateral Pool relating to this Certificate and all
property acquired in respect of any Mortgage Loan in such Collateral Pool at a price determined as provided in the Agreement. The exercise of such right will effect early retirement of the Certificates relating to such Collateral Pool; however, such right to purchase is subject to the aggregate Stated Principal Balance of the Mortgage Loans in such Collateral Pool at the time of purchase being less than 5% of the aggregate principal balance of the Mortgage Loans in such Collateral Pool as of the Cut-off Date.

 

The recitals contained herein shall be taken as statements of the Depositor, and the Trustee assumes no responsibility for their correctness.

 

Unless the certificate of authentication hereon has been executed by the Authenticating Agent, by manual signature, this Certificate shall not be entitled to any benefit under the Agreement or be valid for any purpose.

IN WITNESS WHEREOF, the Paying Agent has caused this Certificate to be duly executed.

 

Dated: October ___, 2006

 

	 	 	 	 	 	 	 	
CITIBANK, N.A., not in its individual

capacity, but solely as Paying Agent

	 	 	 	 	 	 	 	 	 	 	 	 	 	 
	 	 	 	 	 	 	 	 	 	 	 	 	 	 
	 	 	 	 	 	 	 	
By:
	 
	 	 	 	 	 	 	 	 	
Authorized Officer

CERTIFICATE OF AUTHENTICATION

 

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

 

	 	 	 	 	 	 	 	
CITIGROUP MORTGAGE LOAN TRUST

INC., MORTGAGE PASS THROUGH

CERTIFICATES, SERIES 2006-AR7

 

CITIBANK, N.A., not in its individual

capacity, but solely as Authenticating Agent

	 	 	 	 	 	 	 	 	 	 	 	 	 	 
	 	 	 	 	 	 	 	 	 	 	 	 	 	 
	 	 	 	 	 	 	 	
By:
	 
	 	 	 	 	 	 	 	 	
Authorized Officer

 

ABBREVIATIONS

 

The following abbreviations, when used in the inscription on the face of this instrument, shall be construed as though they were written out in full according to applicable laws or regulations:

 

	
TEN COM -
	
as tenants in common
	
UNIF GIFT MIN ACT - Custodian

	 	 	 	 
	
TEN ENT -
	
as tenants by the entireties
	
(Cust) (Minor) under

Uniform Gifts to Minors Act

	 	 	 	 
	
JT TEN -
	
as joint tenants with right of survivorship and not as tenants in common
	 	
State

Additional abbreviations may also be used though not in the above list.

 

ASSIGNMENT

 

FOR VALUE RECEIVED, the undersigned hereby sell(s), assign(s) and transfer(s) unto 

	 	 	 
	 	 	 

(Please print or typewrite name, address including postal zip code, and Taxpayer Identification Number of assignee) a Percentage Interest equal to ____% evidenced by the within Mortgage Pass-Through Certificates and hereby authorize(s) the registration of transfer of such interest to assignee on the Certificate Register of the Trust Fund.

 

I (we) further direct the Trustee to issue a new Certificate of a like Percentage Interest 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.
	 	 

 

EXHIBIT A-13

 

FORM OF CLASS 1-B3 CERTIFICATE

 

UNLESS THIS CERTIFICATE IS PRESENTED BY AN AUTHORIZED REPRESENTATIVE OF THE DEPOSITORY TRUST COMPANY, A NEW YORK CORPORATION (“DTC”), TO THE TRUSTEE 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.

 

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”).

 

ANY TRANSFEREE OF THIS CERTIFICATE SHALL MAKE OR SHALL BE DEEMED TO MAKE THE REPRESENTATIONS IN SECTION 5.02(C) OF THE POOLING AND SERVICING AGREEMENT REFERRED TO HEREIN.

 

THIS CERTIFICATE IS SUBORDINATE TO THE GROUP 1 SENIOR CERTIFICATES, THE CLASS 1-B1 CERTIFICATES AND THE CLASS 1-B2 CERTIFICATES TO THE EXTENT DESCRIBED IN THE POOLING AND SERVICING AGREEMENT REFERRED TO HEREIN.

 

	
Series 2006-AR7

 

Pass-Through Rate: Variable

 

Cut-off Date and date of Pooling and Servicing Agreement: October 1, 2006

 

First Distribution Date: November 25, 2006

 

No.1 
	
Aggregate Certificate Principal Balance of the Class 1-B3 Certificates as of the Issue Date: $2,225,000.00

 

Denomination: $2,225,000.00

 

Master Servicer: CitiMortgage, Inc.

 

Trust Administrator: CitiMortgage, Inc.

 

Certificate Registrar, Paying Agent and Authenticating Agent: Citibank, N.A.

 

Trustee: U.S. Bank National Association

 

Issue Date: October 31, 2006

 

CUSIP: 172987 AN 9

 

DISTRIBUTIONS IN REDUCTION OF THE CERTIFICATE PRINCIPAL BALANCE OF THIS CERTIFICATE MAY BE MADE MONTHLY AS SET FORTH HEREIN. ACCORDINGLY, THE OUTSTANDING CERTIFICATE PRINCIPAL BALANCE HEREOF AT ANY TIME MAY BE LESS THAN THE AMOUNT SHOWN ABOVE AS THE DENOMINATION OF THIS CERTIFICATE.

 

MORTGAGE PASS-THROUGH CERTIFICATE

 

evidencing a beneficial ownership interest in a Trust Fund (the “Trust Fund”) consisting primarily of a pool of conventional one- to four-family, adjustable-rate and fixed-rate, first lien mortgage loans (the “Mortgage Loans”) formed and sold by

 

CITIGROUP MORTGAGE LOAN TRUST INC.

 

THIS CERTIFICATE DOES NOT REPRESENT AN OBLIGATION OF OR INTEREST IN CITIGROUP MORTGAGE LOAN TRUST INC., THE MASTER SERVICER, THE TRUST ADMINISTRATOR, CITIBANK, N.A., THE TRUSTEE OR ANY OF THEIR RESPECTIVE AFFILIATES. NEITHER THIS CERTIFICATE NOR THE UNDERLYING MORTGAGE LOANS ARE GUARANTEED BY ANY AGENCY OR INSTRUMENTALITY OF THE UNITED STATES.

 

This certifies that Cede & Co. is the registered owner of a Percentage Interest (obtained by dividing the denomination of this Certificate by the aggregate Certificate Principal Balance of the Class 1-B3 Certificates as of the Issue Date) in that certain beneficial ownership interest evidenced by all the Class 1-B3 Certificates in the Trust Fund created pursuant to a Pooling and Servicing Agreement, dated as specified above (the “Agreement”), among Citigroup Mortgage Loan Trust Inc. (hereinafter called the “Depositor,” which term includes any successor entity under the Agreement), the Master Servicer, the Trust Administrator, Citibank, N.A. and 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, distributions 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 (a “Distribution Date”), commencing on the First Distribution Date specified above, to the Person in whose name this Certificate is registered on the Record Date, in an amount equal to the product of the Percentage Interest evidenced by this Certificate and the amount
required to be distributed to the Holders of Class 1-B3 Certificates on such Distribution Date pursuant to the Agreement.

 

All distributions to the Holder of this Certificate under the Agreement will be made or caused to be made by the Paying Agent by wire transfer in immediately available funds to the account of the Person entitled thereto if such Person shall have so notified the Paying Agent in writing at least five Business Days prior to the Record Date immediately prior to such Distribution Date or otherwise by check mailed by first class mail to the address of the Person entitled thereto, as such name and address shall appear on the Certificate Register. Notwithstanding the above, the final distribution on this Certificate will be made after due notice by the Paying Agent of the pendency of such distribution and only upon presentation and surrender of this Certificate at the office or agency appointed by the Paying Agent for
that purpose as provided in the Agreement.

 

This Certificate is one of a duly authorized issue of Certificates designated as Mortgage Pass-Through Certificates of the Series specified on the face hereof (herein called the “Certificates”) and representing the Percentage Interest specified above in the Class of Certificates to which this Certificate belongs.

 

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. As provided in the Agreement, withdrawals from the Collection Account and the Distribution Account may be made from time to time for purposes other than distributions to Certificateholders, such purposes including reimbursement of advances made, or certain expenses incurred, with respect to the Mortgage Loans.

 

The Agreement permits, with certain exceptions therein provided, the amendment thereof and the modification of the rights and obligations of the Depositor, the Master Servicer, the Trust Administrator, Citibank, N.A., the Trustee and the rights of the Certificateholders, under the Agreement at any time by the Depositor, the Master Servicer, the Trust Administrator, Citibank, N.A. and the Trustee with the consent of the Holders of Certificates entitled to at least 66% of the Voting Rights. Any such consent by the Holder of this Certificate shall be conclusive and binding on such Holder and upon all future Holders of this Certificate and of any Certificate issued upon the transfer hereof or in exchange herefor or in lieu hereof whether or not notation of such consent is made upon this Certificate. The Agreement
also permits the amendment thereof, in certain limited circumstances, without the consent of the Holders of any of the Certificates.

 

As provided in the 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 Certificate Registrar as provided in the Agreement, duly endorsed by, or accompanied by an assignment in the form below or other written instrument of transfer in form satisfactory to 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 the same Class in authorized denominations evidencing the same aggregate Percentage Interest will be issued to the designated transferee or transferees.

 

Any transfer of this Certificate to a 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 using “Plan Assets” to acquire this Certificate shall be made in accordance with Section 5.02(c) of the Agreement.

 

The Certificates are issuable in fully registered form only without coupons in Classes and denominations representing Percentage Interests specified in the Agreement. As provided in the Agreement and subject to certain limitations therein set forth, the Certificates are exchangeable for new Certificates of the same Class in authorized denominations evidencing the same 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 of Certificates, but the Certificate Registrar may require payment of a sum sufficient to cover any tax or other governmental charge that may be imposed in connection with any transfer or exchange of Certificates.

 

The Depositor, the Master Servicer, the Trust Administrator, Citibank, N.A., the Trustee and any agent of the Depositor, the Master Servicer, the Trust Administrator, Citibank, N.A. or the Trustee may treat the Person in whose name this Certificate is registered as the owner hereof for all purposes, and none of the Depositor, the Master Servicer, the Trust Administrator, Citibank, N.A., the Trustee nor any such agent shall be affected by notice to the contrary.

 

The obligations created by the Agreement and the Trust Fund created thereby shall terminate upon payment to the Certificateholders of all amounts held by the Trustee and required to be paid to them pursuant to the Agreement following the earlier of (i) the final payment or other liquidation (or any advance with respect thereto) of the last Mortgage Loan and REO Property remaining in the Trust Fund and (ii) the purchase by the party designated in the Agreement at a price determined as provided in the Agreement from the Trust Fund of all the Mortgage Loans and all property acquired in respect of such Mortgage Loans. The Agreement permits, but does not require, the party designated in the Agreement to purchase from the Trust Fund all the Mortgage Loans in the Collateral Pool relating to this Certificate and all
property acquired in respect of any Mortgage Loan in such Collateral Pool at a price determined as provided in the Agreement. The exercise of such right will effect early retirement of the Certificates relating to such Collateral Pool; however, such right to purchase is subject to the aggregate Stated Principal Balance of the Mortgage Loans in such Collateral Pool at the time of purchase being less than 5% of the aggregate principal balance of the Mortgage Loans in such Collateral Pool as of the Cut-off Date.

 

The recitals contained herein shall be taken as statements of the Depositor, and the Trustee assumes no responsibility for their correctness.

 

Unless the certificate of authentication hereon has been executed by the Authenticating Agent, by manual signature, this Certificate shall not be entitled to any benefit under the Agreement or be valid for any purpose.

IN WITNESS WHEREOF, the Paying Agent has caused this Certificate to be duly executed.

 

Dated: October ___, 2006

 

	 	 	 	 	 	 	 	
CITIBANK, N.A., not in its individual capacity, but solely as Paying Agent

	 	 	 	 	 	 	 	 	 	 	 	 	 	 
	 	 	 	 	 	 	 	 	 	 	 	 	 	 
	 	 	 	 	 	 	 	
By:
	 
	 	 	 	 	 	 	 	 	
Authorized Officer

CERTIFICATE OF AUTHENTICATION

 

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

 

	 	 	 	 	 	 	 	
CITIGROUP MORTGAGE LOAN TRUST INC., MORTGAGE PASS THROUGH CERTIFICATES, SERIES 2006-AR7

 

CITIBANK, N.A., not in its individual capacity, but solely as Authenticating Agent

	 	 	 	 	 	 	 	 	 	 	 	 	 	 
	 	 	 	 	 	 	 	 	 	 	 	 	 	 
	 	 	 	 	 	 	 	
By:
	 
	 	 	 	 	 	 	 	 	
Authorized Officer

 

ABBREVIATIONS

 

The following abbreviations, when used in the inscription on the face of this instrument, shall be construed as though they were written out in full according to applicable laws or regulations:

 

	
TEN COM -
	
as tenants in common
	
UNIF GIFT MIN ACT - Custodian

	 	 	 	 
	
TEN ENT -
	
as tenants by the entireties
	
(Cust) (Minor) under

Uniform Gifts to Minors Act

	 	 	 	 
	
JT TEN -
	
as joint tenants with right of survivorship and not as tenants in common
	 	
State

Additional abbreviations may also be used though not in the above list.

 

ASSIGNMENT

 

FOR VALUE RECEIVED, the undersigned hereby sell(s), assign(s) and transfer(s) unto 

	 	 	 
	 	 	 

(Please print or typewrite name, address including postal zip code, and Taxpayer Identification Number of assignee) a Percentage Interest equal to ____% evidenced by the within Mortgage Pass-Through Certificates and hereby authorize(s) the registration of transfer of such interest to assignee on the Certificate Register of the Trust Fund.

 

I (we) further direct the Trustee to issue a new Certificate of a like Percentage Interest 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.
	 	 

EXHIBIT A-14

 

FORM OF CLASS 1-B4 CERTIFICATE

 

UNLESS THIS CERTIFICATE IS PRESENTED BY AN AUTHORIZED REPRESENTATIVE OF THE DEPOSITORY TRUST COMPANY, A NEW YORK CORPORATION (“DTC”), TO THE TRUSTEE 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.

 

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”).

 

NO TRANSFER OF THIS CERTIFICATE SHALL BE MADE TO ANY PLAN OR PERSON USING PLAN ASSETS EXCEPT IN ACCORDANCE WITH SECTION 5.02(C) OF THE POOLING AND SERVICING AGREEMENT REFERRED TO HEREIN.

 

THIS CERTIFICATE IS SUBORDINATE TO THE GROUP 1 SENIOR CERTIFICATES, THE CLASS 1-B1 CERTIFICATES, THE CLASS 1-B2 CERTIFICATES AND THE CLASS 1-B3 CERTIFICATES TO THE EXTENT DESCRIBED IN THE POOLING AND SERVICING AGREEMENT REFERRED TO HEREIN.

 

	
Series 2006-AR7

 

Pass-Through Rate: Variable

 

Cut-off Date and date of Pooling and Servicing Agreement: October 1, 2006

 

First Distribution Date: November 25, 2006

 

No.1 
	
Aggregate Certificate Principal Balance of the Class 1-B4 Certificates as of the Issue Date: $1,335,000.00

 

Denomination: $1,335,000.00

 

Master Servicer: CitiMortgage, Inc.

 

Trust Administrator: CitiMortgage, Inc.

 

Certificate Registrar, Paying Agent and Authenticating Agent: Citibank, N.A.

 

Trustee: U.S. Bank National Association

 

Issue Date: October 31, 2006

 

CUSIP: 172987 AP 4

 

DISTRIBUTIONS IN REDUCTION OF THE CERTIFICATE PRINCIPAL BALANCE OF THIS CERTIFICATE MAY BE MADE MONTHLY AS SET FORTH HEREIN. ACCORDINGLY, THE OUTSTANDING CERTIFICATE PRINCIPAL BALANCE HEREOF AT ANY TIME MAY BE LESS THAN THE AMOUNT SHOWN ABOVE AS THE DENOMINATION OF THIS CERTIFICATE.

 

MORTGAGE PASS-THROUGH CERTIFICATE

 

evidencing a beneficial ownership interest in a Trust Fund (the “Trust Fund”) consisting primarily of a pool of conventional one- to four-family, adjustable-rate and fixed-rate, first lien mortgage loans (the “Mortgage Loans”) formed and sold by

 

CITIGROUP MORTGAGE LOAN TRUST INC.

 

THIS CERTIFICATE DOES NOT REPRESENT AN OBLIGATION OF OR INTEREST IN CITIGROUP MORTGAGE LOAN TRUST INC., THE MASTER SERVICER, THE TRUST ADMINISTRATOR, CITIBANK, N.A., THE TRUSTEE OR ANY OF THEIR RESPECTIVE AFFILIATES. NEITHER THIS CERTIFICATE NOR THE UNDERLYING MORTGAGE LOANS ARE GUARANTEED BY ANY AGENCY OR INSTRUMENTALITY OF THE UNITED STATES.

 

This certifies that Cede & Co. is the registered owner of a Percentage Interest (obtained by dividing the denomination of this Certificate by the aggregate Certificate Principal Balance of the Class 1-B4 Certificates as of the Issue Date) in that certain beneficial ownership interest evidenced by all the Class 1-B4 Certificates in the Trust Fund created pursuant to a Pooling and Servicing Agreement, dated as specified above (the “Agreement”), among Citigroup Mortgage Loan Trust Inc. (hereinafter called the “Depositor,” which term includes any successor entity under the Agreement), the Master Servicer, Trust Administrator, Citibank, N.A. and 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, distributions 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 (a “Distribution Date”), commencing on the First Distribution Date specified above, to the Person in whose name this Certificate is registered on the Record Date, in an amount equal to the product of the Percentage Interest evidenced by this Certificate and the amount
required to be distributed to the Holders of Class 1-B4 Certificates on such Distribution Date pursuant to the Agreement.

 

All distributions to the Holder of this Certificate under the Agreement will be made or caused to be made by the Paying Agent by wire transfer in immediately available funds to the account of the Person entitled thereto if such Person shall have so notified the Paying Agent in writing at least five Business Days prior to the Record Date immediately prior to such Distribution Date or otherwise by check mailed by first class mail to the address of the Person entitled thereto, as such name and address shall appear on the Certificate Register. Notwithstanding the above, the final distribution on this Certificate will be made after due notice by the Paying Agent of the pendency of such distribution and only upon presentation and surrender of this Certificate at the office or agency appointed by the Paying Agent for
that purpose as provided in the Agreement.

 

This Certificate is one of a duly authorized issue of Certificates designated as Mortgage Pass-Through Certificates of the Series specified on the face hereof (herein called the “Certificates”) and representing the Percentage Interest specified above in the Class of Certificates to which this Certificate belongs.

 

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. As provided in the Agreement, withdrawals from the Collection Account and the Distribution Account may be made from time to time for purposes other than distributions to Certificateholders, such purposes including reimbursement of advances made, or certain expenses incurred, with respect to the Mortgage Loans.

 

The Agreement permits, with certain exceptions therein provided, the amendment thereof and the modification of the rights and obligations of the Depositor, the Master Servicer, the Trust Administrator, Citibank, N.A., the Trustee and the rights of the Certificateholders, under the Agreement at any time by the Depositor, the Master Servicer, the Trust Administrator, Citibank, N.A. and the Trustee with the consent of the Holders of Certificates entitled to at least 66% of the Voting Rights. Any such consent by the Holder of this Certificate shall be conclusive and binding on such Holder and upon all future Holders of this Certificate and of any Certificate issued upon the transfer hereof or in exchange herefor or in lieu hereof whether or not notation of such consent is made upon this Certificate. The Agreement
also permits the amendment thereof, in certain limited circumstances, without the consent of the Holders of any of the Certificates.

 

As provided in the 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 Certificate Registrar as provided in the Agreement, duly endorsed by, or accompanied by an assignment in the form below or other written instrument of transfer in form satisfactory to 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 the same Class in authorized denominations evidencing the same aggregate Percentage Interest will be issued to the designated transferee or transferees.

 

The Certificates are issuable in fully registered form only without coupons in Classes and denominations representing Percentage Interests specified in the Agreement. As provided in the Agreement and subject to certain limitations therein set forth, the Certificates are exchangeable for new Certificates of the same Class in authorized denominations evidencing the same 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 of Certificates, but the Certificate Registrar may require payment of a sum sufficient to cover any tax or other governmental charge that may be imposed in connection with any transfer or exchange of Certificates.

 

The Depositor, the Master Servicer, the Trust Administrator, Citibank, N.A., the Trustee and any agent of the Depositor, the Master Servicer, the Trust Administrator, Citibank, N.A. or the Trustee may treat the Person in whose name this Certificate is registered as the owner hereof for all purposes, and none of the Depositor, the Master Servicer, the Trust Administrator, Citibank, N.A., the Trustee nor any such agent shall be affected by notice to the contrary.

 

The obligations created by the Agreement and the Trust Fund created thereby shall terminate upon payment to the Certificateholders of all amounts held by the Trustee and required to be paid to them pursuant to the Agreement following the earlier of (i) the final payment or other liquidation (or any advance with respect thereto) of the last Mortgage Loan and REO Property remaining in the Trust Fund and (ii) the purchase by the party designated in the Agreement at a price determined as provided in the Agreement from the Trust Fund of all the Mortgage Loans and all property acquired in respect of such Mortgage Loans. The Agreement permits, but does not require, the party designated in the Agreement to purchase from the Trust Fund all the Mortgage Loans in the Collateral Pool relating to this Certificate and all
property acquired in respect of any Mortgage Loan in such Collateral Pool at a price determined as provided in the Agreement. The exercise of such right will effect early retirement of the Certificates relating to such Collateral Pool; however, such right to purchase is subject to the aggregate Stated Principal Balance of the Mortgage Loans in such Collateral Pool at the time of purchase being less than 5% of the aggregate principal balance of the Mortgage Loans in such Collateral Pool as of the Cut-off Date.

 

No transfer of this Certificate shall be made unless the transfer is made to a “qualified institutional buyer” as defined under Rule 144A under the Securities Act of 1933, as amended (the “1933 Act”), in a transaction that is exempt from the registration requirements of the 1933 Act and that does not require registration or qualification under applicable state securities laws. In the event that a transfer of this Certificate is to be made, the Certificate Registrar shall require receipt of written certifications from the Holder of the Certificate desiring to effect the transfer, and from such Holder's prospective transferee, substantially in the forms attached to the Agreement as Exhibit F-1. None of the Depositor or the Trustee is obligated to register or qualify the Class of Certificates
specified on the face hereof under the 1933 Act or any other securities law or to take any action not otherwise required under the Agreement to permit the transfer of such Certificates without registration or qualification. Any Holder desiring to effect a transfer of this Certificate shall be required to indemnify the Trustee, the Depositor, the Trust Administrator, the Certificate Registrar, the Paying Agent, the Authenticating Agent and the Master Servicer 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 to a 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 using “Plan Assets” to acquire this Certificate shall be made except in accordance with Section 5.02(c) of the Agreement.

 

The recitals contained herein shall be taken as statements of the Depositor, and the Trustee assumes no responsibility for their correctness.

 

Unless the certificate of authentication hereon has been executed by the Authenticating Agent, by manual signature, this Certificate shall not be entitled to any benefit under the Agreement or be valid for any purpose.

IN WITNESS WHEREOF, the Paying Agent has caused this Certificate to be duly executed.

 

Dated: October ___, 2006

 

	 	 	 	 	 	 	 	
CITIBANK, N.A., not in its individual capacity, but solely as Paying Agent

	 	 	 	 	 	 	 	 	 	 	 	 	 	 
	 	 	 	 	 	 	 	 	 	 	 	 	 	 
	 	 	 	 	 	 	 	
By:
	 
	 	 	 	 	 	 	 	 	
Authorized Officer

CERTIFICATE OF AUTHENTICATION

 

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

 

	 	 	 	 	 	 	 	
CITIGROUP MORTGAGE LOAN TRUST INC., MORTGAGE PASS THROUGH CERTIFICATES, SERIES 2006-AR7

 

CITIBANK, N.A., not in its individual capacity, but solely as Authenticating Agent

	 	 	 	 	 	 	 	 	 	 	 	 	 	 
	 	 	 	 	 	 	 	 	 	 	 	 	 	 
	 	 	 	 	 	 	 	
By:
	 
	 	 	 	 	 	 	 	 	
Authorized Officer

 

ABBREVIATIONS

 

The following abbreviations, when used in the inscription on the face of this instrument, shall be construed as though they were written out in full according to applicable laws or regulations:

 

	
TEN COM -
	
as tenants in common
	
UNIF GIFT MIN ACT - Custodian

	 	 	 	 
	
TEN ENT -
	
as tenants by the entireties
	
(Cust) (Minor) under

Uniform Gifts to Minors Act

	 	 	 	 
	
JT TEN -
	
as joint tenants with right of survivorship and not as tenants in common
	 	
State

Additional abbreviations may also be used though not in the above list.

 

ASSIGNMENT

 

FOR VALUE RECEIVED, the undersigned hereby sell(s), assign(s) and transfer(s) unto 

	 	 	 
	 	 	 

(Please print or typewrite name, address including postal zip code, and Taxpayer Identification Number of assignee) a Percentage Interest equal to ____% evidenced by the within Mortgage Pass-Through Certificates and hereby authorize(s) the registration of transfer of such interest to assignee on the Certificate Register of the Trust Fund.

 

I (we) further direct the Trustee to issue a new Certificate of a like Percentage Interest 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.
	 	 

 

EXHIBIT A-15

 

FORM OF CLASS 1-B5 CERTIFICATE

 

UNLESS THIS CERTIFICATE IS PRESENTED BY AN AUTHORIZED REPRESENTATIVE OF THE DEPOSITORY TRUST COMPANY, A NEW YORK CORPORATION (“DTC”), TO THE TRUSTEE 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.

 

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”).

 

NO TRANSFER OF THIS CERTIFICATE SHALL BE MADE TO ANY PLAN OR PERSON USING PLAN ASSETS EXCEPT IN ACCORDANCE WITH SECTION 5.02(C) OF THE POOLING AND SERVICING AGREEMENT REFERRED TO HEREIN.

 

THIS CERTIFICATE IS SUBORDINATE TO THE GROUP 1 SENIOR CERTIFICATES, THE CLASS 1-B1 CERTIFICATES, THE CLASS 1-B2 CERTIFICATES, THE CLASS 1-B3 CERTIFICATES AND THE CLASS 1-B4 CERTIFICATES TO THE EXTENT DESCRIBED IN THE POOLING AND SERVICING AGREEMENT REFERRED TO HEREIN.

 

	
Series 2006-AR7

 

Pass-Through Rate: Variable

 

Cut-off Date and date of Pooling and Servicing Agreement: October 1, 2006

 

First Distribution Date: November 25, 2006

 

No.1 
	
Aggregate Certificate Principal Balance of the Class 1-B5 Certificates as of the Issue Date: $1,113,000.00

 

Denomination: $1,113,000.00

 

Master Servicer: CitiMortgage, Inc.

 

Trust Administrator: CitiMortgage, Inc.

 

Certificate Registrar, Paying Agent and Authenticating Agent: Citibank, N.A.

 

Trustee: U.S. Bank National Association

 

Issue Date: October 31, 2006

 

CUSIP: 172987 AQ 2

 

DISTRIBUTIONS IN REDUCTION OF THE CERTIFICATE PRINCIPAL BALANCE OF THIS CERTIFICATE MAY BE MADE MONTHLY AS SET FORTH HEREIN. ACCORDINGLY, THE OUTSTANDING CERTIFICATE PRINCIPAL BALANCE HEREOF AT ANY TIME MAY BE LESS THAN THE AMOUNT SHOWN ABOVE AS THE DENOMINATION OF THIS CERTIFICATE.

 

MORTGAGE PASS-THROUGH CERTIFICATE

 

evidencing a beneficial ownership interest in a Trust Fund (the “Trust Fund”) consisting primarily of a pool of conventional one- to four-family, adjustable-rate and fixed-rate, first lien mortgage loans (the “Mortgage Loans”) formed and sold by

 

CITIGROUP MORTGAGE LOAN TRUST INC.

 

THIS CERTIFICATE DOES NOT REPRESENT AN OBLIGATION OF OR INTEREST IN CITIGROUP MORTGAGE LOAN TRUST INC., THE MASTER SERVICER, THE TRUST ADMINISTRATOR, CITIBANK, N.A., THE TRUSTEE OR ANY OF THEIR RESPECTIVE AFFILIATES. NEITHER THIS CERTIFICATE NOR THE UNDERLYING MORTGAGE LOANS ARE GUARANTEED BY ANY AGENCY OR INSTRUMENTALITY OF THE UNITED STATES.

 

This certifies that Cede & Co. is the registered owner of a Percentage Interest (obtained by dividing the denomination of this Certificate by the aggregate Certificate Principal Balance of the Class 1-B5 Certificates as of the Issue Date) in that certain beneficial ownership interest evidenced by all the Class 1-B5 Certificates in the Trust Fund created pursuant to a Pooling and Servicing Agreement, dated as specified above (the “Agreement”), among Citigroup Mortgage Loan Trust Inc. (hereinafter called the “Depositor,” which term includes any successor entity under the Agreement), the Master Servicer, the Trust Administrator, Citibank, N.A. and 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, distributions 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 (a “Distribution Date”), commencing on the First Distribution Date specified above, to the Person in whose name this Certificate is registered on the Record Date, in an amount equal to the product of the Percentage Interest evidenced by this Certificate and the amount
required to be distributed to the Holders of Class 1-B5 Certificates on such Distribution Date pursuant to the Agreement.

 

All distributions to the Holder of this Certificate under the Agreement will be made or caused to be made by the Paying Agent by wire transfer in immediately available funds to the account of the Person entitled thereto if such Person shall have so notified the Paying Agent in writing at least five Business Days prior to the Record Date immediately prior to such Distribution Date or otherwise by check mailed by first class mail to the address of the Person entitled thereto, as such name and address shall appear on the Certificate Register. Notwithstanding the above, the final distribution on this Certificate will be made after due notice by the Paying Agent of the pendency of such distribution and only upon presentation and surrender of this Certificate at the office or agency appointed by the Paying Agent for
that purpose as provided in the Agreement.

 

This Certificate is one of a duly authorized issue of Certificates designated as Mortgage Pass-Through Certificates of the Series specified on the face hereof (herein called the “Certificates”) and representing the Percentage Interest specified above in the Class of Certificates to which this Certificate belongs.

 

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. As provided in the Agreement, withdrawals from the Collection Account and the Distribution Account may be made from time to time for purposes other than distributions to Certificateholders, such purposes including reimbursement of advances made, or certain expenses incurred, with respect to the Mortgage Loans.

 

The Agreement permits, with certain exceptions therein provided, the amendment thereof and the modification of the rights and obligations of the Depositor, the Master Servicer, the Trust Administrator, Citibank, N.A., the Trustee and the rights of the Certificateholders, under the Agreement at any time by the Depositor, the Master Servicer, the Trust Administrator, Citibank, N.A. and the Trustee with the consent of the Holders of Certificates entitled to at least 66% of the Voting Rights. Any such consent by the Holder of this Certificate shall be conclusive and binding on such Holder and upon all future Holders of this Certificate and of any Certificate issued upon the transfer hereof or in exchange herefor or in lieu hereof whether or not notation of such consent is made upon this Certificate. The Agreement
also permits the amendment thereof, in certain limited circumstances, without the consent of the Holders of any of the Certificates.

 

As provided in the 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 Certificate Registrar as provided in the Agreement, duly endorsed by, or accompanied by an assignment in the form below or other written instrument of transfer in form satisfactory to 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 the same Class in authorized denominations evidencing the same aggregate Percentage Interest will be issued to the designated transferee or transferees.

 

The Certificates are issuable in fully registered form only without coupons in Classes and denominations representing Percentage Interests specified in the Agreement. As provided in the Agreement and subject to certain limitations therein set forth, the Certificates are exchangeable for new Certificates of the same Class in authorized denominations evidencing the same 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 of Certificates, but the Certificate Registrar may require payment of a sum sufficient to cover any tax or other governmental charge that may be imposed in connection with any transfer or exchange of Certificates.

 

The Depositor, the Master Servicer, the Trust Administrator, Citibank, N.A., the Trustee and any agent of the Depositor, the Master Servicer, the Trust Administrator, Citibank, N.A. or the Trustee may treat the Person in whose name this Certificate is registered as the owner hereof for all purposes, and none of the Depositor, the Master Servicer, the Trust Administrator, Citibank, N.A., the Trustee nor any such agent shall be affected by notice to the contrary.

 

The obligations created by the Agreement and the Trust Fund created thereby shall terminate upon payment to the Certificateholders of all amounts held by the Trustee and required to be paid to them pursuant to the Agreement following the earlier of (i) the final payment or other liquidation (or any advance with respect thereto) of the last Mortgage Loan and REO Property remaining in the Trust Fund and (ii) the purchase by the party designated in the Agreement at a price determined as provided in the Agreement from the Trust Fund of all the Mortgage Loans and all property acquired in respect of such Mortgage Loans. The Agreement permits, but does not require, the party designated in the Agreement to purchase from the Trust Fund all the Mortgage Loans in the Collateral Pool relating to this Certificate and all
property acquired in respect of any Mortgage Loan in such Collateral Pool at a price determined as provided in the Agreement. The exercise of such right will effect early retirement of the Certificates relating to such Collateral Pool; however, such right to purchase is subject to the aggregate Stated Principal Balance of the Mortgage Loans in such Collateral Pool at the time of purchase being less than 5% of the aggregate principal balance of the Mortgage Loans in such Collateral Pool as of the Cut-off Date.

 

No transfer of this Certificate shall be made unless the transfer is made to a “qualified institutional buyer” as defined under Rule 144A under the Securities Act of 1933, as amended (the “1933 Act”), in a transaction that is exempt from the registration requirements of the 1933 Act and that does not require registration or qualification under applicable state securities laws. In the event that a transfer of this Certificate is to be made, the Certificate Registrar shall require receipt of written certifications from the Holder of the Certificate desiring to effect the transfer, and from such Holder's prospective transferee, substantially in the forms attached to the Agreement as Exhibit F-1. None of the Depositor or the Trustee is obligated to register or qualify the Class of Certificates
specified on the face hereof under the 1933 Act or any other securities law or to take any action not otherwise required under the Agreement to permit the transfer of such Certificates without registration or qualification. Any Holder desiring to effect a transfer of this Certificate shall be required to indemnify the Trustee, the Depositor, the Trust Administrator, the Certificate Registrar, the Paying Agent, the Authenticating Agent and the Master Servicer 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 to a 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 using Plan Assets to acquire this Certificate shall be made except in accordance with Section 5.02(c) of the Agreement.

 

The recitals contained herein shall be taken as statements of the Depositor, and the Trustee assumes no responsibility for their correctness.

 

Unless the certificate of authentication hereon has been executed by the Authenticating Agent, by manual signature, this Certificate shall not be entitled to any benefit under the Agreement or be valid for any purpose.

IN WITNESS WHEREOF, the Paying Agent has caused this Certificate to be duly executed.

 

Dated: October ___, 2006

 

	 	 	 	 	 	 	 	
CITIBANK, N.A., not in its individual capacity, but solely as Paying Agent

	 	 	 	 	 	 	 	 	 	 	 	 	 	 
	 	 	 	 	 	 	 	 	 	 	 	 	 	 
	 	 	 	 	 	 	 	
By:
	 
	 	 	 	 	 	 	 	 	
Authorized Officer

CERTIFICATE OF AUTHENTICATION

 

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

 

	 	 	 	 	 	 	 	
CITIGROUP MORTGAGE LOAN TRUST INC., MORTGAGE PASS THROUGH CERTIFICATES, SERIES 2006-AR7

 

CITIBANK, N.A., not in its individual capacity, but solely as Authenticating Agent

	 	 	 	 	 	 	 	 	 	 	 	 	 	 
	 	 	 	 	 	 	 	 	 	 	 	 	 	 
	 	 	 	 	 	 	 	
By:
	 
	 	 	 	 	 	 	 	 	
Authorized Officer

 

ABBREVIATIONS

 

The following abbreviations, when used in the inscription on the face of this instrument, shall be construed as though they were written out in full according to applicable laws or regulations:

 

	
TEN COM -
	
as tenants in common
	
UNIF GIFT MIN ACT - Custodian

	 	 	 	 
	
TEN ENT -
	
as tenants by the entireties
	
(Cust) (Minor) under

Uniform Gifts to Minors Act

	 	 	 	 
	
JT TEN -
	
as joint tenants with right of survivorship and not as tenants in common
	 	
State

Additional abbreviations may also be used though not in the above list.

 

ASSIGNMENT

 

FOR VALUE RECEIVED, the undersigned hereby sell(s), assign(s) and transfer(s) unto 

	 	 	 
	 	 	 

(Please print or typewrite name, address including postal zip code, and Taxpayer Identification Number of assignee) a Percentage Interest equal to ____% evidenced by the within Mortgage Pass-Through Certificates and hereby authorize(s) the registration of transfer of such interest to assignee on the Certificate Register of the Trust Fund.

 

I (we) further direct the Trustee to issue a new Certificate of a like Percentage Interest 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.
	 	 

 

EXHIBIT A-16 

 

FORM OF CLASS 1-B6 CERTIFICATE

 

UNLESS THIS CERTIFICATE IS PRESENTED BY AN AUTHORIZED REPRESENTATIVE OF THE DEPOSITORY TRUST COMPANY, A NEW YORK CORPORATION (“DTC”), TO THE TRUSTEE 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.

 

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”).

 

NO TRANSFER OF THIS CERTIFICATE SHALL BE MADE TO ANY PLAN OR PERSON USING PLAN ASSETS EXCEPT IN ACCORDANCE WITH SECTION 5.02(C) OF THE POOLING AND SERVICING AGREEMENT REFERRED TO HEREIN.

 

THIS CERTIFICATE IS SUBORDINATE TO THE GROUP 1 SENIOR CERTIFICATES, THE CLASS 1-B1 CERTIFICATES, THE CLASS 1-B2 CERTIFICATES, THE CLASS 1-B3 CERTIFICATES, THE CLASS 1-B4 CERTIFICATES AND THE CLASS 1-B5 CERTIFICATES TO THE EXTENT DESCRIBED IN THE POOLING AND SERVICING AGREEMENT REFERRED TO HEREIN.

 

	
Series 2006-AR7

 

Pass-Through Rate: Variable

 

Cut-off Date and date of Pooling and Servicing Agreement: October 1, 2006

 

First Distribution Date: November 25, 2006

 

No. 1
	
Aggregate Certificate Principal Balance of the Class 1-B6 Certificates as of the Issue Date: $1,112,136.00

 

Denomination: $1,112,136.00

 

Master Servicer: CitiMortgage, Inc.

 

Trust Administrator: CitiMortgage, Inc.

 

Certificate Registrar, Paying Agent and Authenticating Agent: Citibank, N.A.

 

Trustee: U.S. Bank National Association

 

Issue Date: October 31, 2006

 

CUSIP: 172987 AR 0

 

DISTRIBUTIONS IN REDUCTION OF THE CERTIFICATE PRINCIPAL BALANCE OF THIS CERTIFICATE MAY BE MADE MONTHLY AS SET FORTH HEREIN. ACCORDINGLY, THE OUTSTANDING CERTIFICATE PRINCIPAL BALANCE HEREOF AT ANY TIME MAY BE LESS THAN THE AMOUNT SHOWN ABOVE AS THE DENOMINATION OF THIS CERTIFICATE.

 

MORTGAGE PASS-THROUGH CERTIFICATE

 

evidencing a beneficial ownership interest in a Trust Fund (the “Trust Fund”) consisting primarily of a pool of conventional one- to four-family, adjustable-rate and fixed-rate, first lien mortgage loans (the “Mortgage Loans”) formed and sold by

 

CITIGROUP MORTGAGE LOAN TRUST INC.

 

THIS CERTIFICATE DOES NOT REPRESENT AN OBLIGATION OF OR INTEREST IN CITIGROUP MORTGAGE LOAN TRUST INC., THE MASTER SERVICER, THE TRUST ADMINISTRATOR, CITIBANK, N.A., THE TRUSTEE OR ANY OF THEIR RESPECTIVE AFFILIATES. NEITHER THIS CERTIFICATE NOR THE UNDERLYING MORTGAGE LOANS ARE GUARANTEED BY ANY AGENCY OR INSTRUMENTALITY OF THE UNITED STATES.

 

This certifies that Cede & Co. is the registered owner of a Percentage Interest (obtained by dividing the denomination of this Certificate by the aggregate Certificate Principal Balance of the Class 1-B6 Certificates as of the Issue Date) in that certain beneficial ownership interest evidenced by all the Class 1-B6 Certificates in the Trust Fund created pursuant to a Pooling and Servicing Agreement, dated as specified above (the “Agreement”), among Citigroup Mortgage Loan Trust Inc. (hereinafter called the “Depositor,” which term includes any successor entity under the Agreement), the Master Servicer, the Trust Administrator, Citibank, N.A. and 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, distributions 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 (a “Distribution Date”), commencing on the First Distribution Date specified above, to the Person in whose name this Certificate is registered on the Record Date, in an amount equal to the product of the Percentage Interest evidenced by this Certificate and the amount
required to be distributed to the Holders of Class 1-B6 Certificates on such Distribution Date pursuant to the Agreement.

 

All distributions to the Holder of this Certificate under the Agreement will be made or caused to be made by the Paying Agent by wire transfer in immediately available funds to the account of the Person entitled thereto if such Person shall have so notified the Paying Agent in writing at least five Business Days prior to the Record Date immediately prior to such Distribution Date or otherwise by check mailed by first class mail to the address of the Person entitled thereto, as such name and address shall appear on the Certificate Register. Notwithstanding the above, the final distribution on this Certificate will be made after due notice by the Paying Agent of the pendency of such distribution and only upon presentation and surrender of this Certificate at the office or agency appointed by the Paying Agent for
that purpose as provided in the Agreement.

 

This Certificate is one of a duly authorized issue of Certificates designated as Mortgage Pass-Through Certificates of the Series specified on the face hereof (herein called the “Certificates”) and representing the Percentage Interest specified above in the Class of Certificates to which this Certificate belongs.

 

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. As provided in the Agreement, withdrawals from the Collection Account and the Distribution Account may be made from time to time for purposes other than distributions to Certificateholders, such purposes including reimbursement of advances made, or certain expenses incurred, with respect to the Mortgage Loans.

 

The Agreement permits, with certain exceptions therein provided, the amendment thereof and the modification of the rights and obligations of the Depositor, the Master Servicer, the Trust Administrator, Citibank, N.A., the Trustee, and the rights of the Certificateholders, under the Agreement at any time by the Depositor, the Master Servicer, the Trust Administrator, Citibank, N.A. and the Trustee with the consent of the Holders of Certificates entitled to at least 66% of the Voting Rights. Any such consent by the Holder of this Certificate shall be conclusive and binding on such Holder and upon all future Holders of this Certificate and of any Certificate issued upon the transfer hereof or in exchange herefor or in lieu hereof whether or not notation of such consent is made upon this Certificate. The Agreement
also permits the amendment thereof, in certain limited circumstances, without the consent of the Holders of any of the Certificates.

 

As provided in the 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 Certificate Registrar as provided in the Agreement, duly endorsed by, or accompanied by an assignment in the form below or other written instrument of transfer in form satisfactory to 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 the same Class in authorized denominations evidencing the same aggregate Percentage Interest will be issued to the designated transferee or transferees.

 

The Certificates are issuable in fully registered form only without coupons in Classes and denominations representing Percentage Interests specified in the Agreement. As provided in the Agreement and subject to certain limitations therein set forth, the Certificates are exchangeable for new Certificates of the same Class in authorized denominations evidencing the same 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 of Certificates, but the Certificate Registrar may require payment of a sum sufficient to cover any tax or other governmental charge that may be imposed in connection with any transfer or exchange of Certificates.

 

The Depositor, the Master Servicer, the Trust Administrator, Citibank, N.A., the Trustee and any agent of the Depositor, the Master Servicer, the Trust Administrator, Citibank, N.A. or the Trustee may treat the Person in whose name this Certificate is registered as the owner hereof for all purposes, and none of the Depositor, the Master Servicer, the Trust Administrator, Citibank, N.A., the Trustee, nor any such agent shall be affected by notice to the contrary.

 

The obligations created by the Agreement and the Trust Fund created thereby shall terminate upon payment to the Certificateholders of all amounts held by the Trustee and required to be paid to them pursuant to the Agreement following the earlier of (i) the final payment or other liquidation (or any advance with respect thereto) of the last Mortgage Loan and REO Property remaining in the Trust Fund and (ii) the purchase by the party designated in the Agreement at a price determined as provided in the Agreement from the Trust Fund of all the Mortgage Loans and all property acquired in respect of such Mortgage Loans. The Agreement permits, but does not require, the party designated in the Agreement to purchase from the Trust Fund all the Mortgage Loans in the Collateral Pool relating to this Certificate and all
property acquired in respect of any Mortgage Loan in such Collateral Pool at a price determined as provided in the Agreement. The exercise of such right will effect early retirement of the Certificates relating to such Collateral Pool; however, such right to purchase is subject to the aggregate Stated Principal Balance of the Mortgage Loans in such Collateral Pool at the time of purchase being less than 5% of the aggregate principal balance of the Mortgage Loans in such Collateral Pool as of the Cut-off Date.

 

No transfer of this Certificate shall be made unless the transfer is made to a “qualified institutional buyer” as defined under Rule 144A under the Securities Act of 1933, as amended (the “1933 Act”), in a transaction that is exempt from the registration requirements of the 1933 Act and that does not require registration or qualification under applicable state securities laws. In the event that a transfer of this Certificate is to be made, the Certificate Registrar shall require receipt of written certifications from the Holder of the Certificate desiring to effect the transfer, and from such Holder's prospective transferee, substantially in the forms attached to the Agreement as Exhibit F-1. None of the Depositor or the Trustee is obligated to register or qualify the Class of Certificates
specified on the face hereof under the 1933 Act or any other securities law or to take any action not otherwise required under the Agreement to permit the transfer of such Certificates without registration or qualification. Any Holder desiring to effect a transfer of this Certificate shall be required to indemnify the Trustee, the Depositor, the Trust Administrator, the Certificate Registrar, the Paying Agent, the Authenticating Agent and the Master Servicer 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 to a 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 using “Plan Assets” to acquire this Certificate shall be made except in accordance with Section 5.02(c) of the Agreement.

 

The recitals contained herein shall be taken as statements of the Depositor, and the Trustee assumes no responsibility for their correctness.

 

Unless the certificate of authentication hereon has been executed by the Authenticating Agent, by manual signature, this Certificate shall not be entitled to any benefit under the Agreement or be valid for any purpose.

 

IN WITNESS WHEREOF, the Paying Agent has caused this Certificate to be duly executed.

 

Dated: October ___, 2006

 

	 	 	 	 	 	 	 	
CITIBANK, N.A., not in its individual capacity, but solely as Paying Agent

	 	 	 	 	 	 	 	 	 	 	 	 	 	 
	 	 	 	 	 	 	 	 	 	 	 	 	 	 
	 	 	 	 	 	 	 	
By:
	 
	 	 	 	 	 	 	 	 	
Authorized Officer

CERTIFICATE OF AUTHENTICATION

 

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

 

	 	 	 	 	 	 	 	
CITIGROUP MORTGAGE LOAN TRUST INC., MORTGAGE PASS THROUGH CERTIFICATES, SERIES 2006-AR7

 

CITIBANK, N.A., not in its individual capacity, but solely as Authenticating Agent

	 	 	 	 	 	 	 	 	 	 	 	 	 	 
	 	 	 	 	 	 	 	 	 	 	 	 	 	 
	 	 	 	 	 	 	 	
By:
	 
	 	 	 	 	 	 	 	 	
Authorized Officer

 

ABBREVIATIONS

 

The following abbreviations, when used in the inscription on the face of this instrument, shall be construed as though they were written out in full according to applicable laws or regulations:

 

	
TEN COM -
	
as tenants in common
	
UNIF GIFT MIN ACT - Custodian

	 	 	 	 
	
TEN ENT -
	
as tenants by the entireties
	
(Cust) (Minor) under

Uniform Gifts to Minors Act

	 	 	 	 
	
JT TEN -
	
as joint tenants with right of survivorship and not as tenants in common
	 	
State

Additional abbreviations may also be used though not in the above list.

 

ASSIGNMENT

 

FOR VALUE RECEIVED, the undersigned hereby sell(s), assign(s) and transfer(s) unto 

	 	 	 
	 	 	 

(Please print or typewrite name, address including postal zip code, and Taxpayer Identification Number of assignee) a Percentage Interest equal to ____% evidenced by the within Mortgage Pass-Through Certificates and hereby authorize(s) the registration of transfer of such interest to assignee on the Certificate Register of the Trust Fund.

 

I (we) further direct the Trustee to issue a new Certificate of a like Percentage Interest 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.
	 	 

EXHIBIT A-17

 

FORM OF CLASS 1-P 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 (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 THAT ARE EXEMPT FROM REGISTRATION UNDER SUCH ACT AND UNDER APPLICABLE STATE LAW AND IS TRANSFERRED IN ACCORDANCE WITH THE PROVISIONS OF SECTION 5.02 OF THE AGREEMENT.

 

NO TRANSFER OF THIS CERTIFICATE TO AN EMPLOYEE BENEFIT PLAN OR OTHER RETIREMENT ARRANGEMENT SUBJECT TO THE EMPLOYEE RETIREMENT INCOME SECURITY ACT OF 1974, AS AMENDED, OR THE CODE WILL BE REGISTERED EXCEPT IN COMPLIANCE WITH THE PROCEDURES DESCRIBED HEREIN.

 

	
Series: 2006-AR7
	
Aggregate Certificate Principal Balance of the Class 1-P Certificates as of the Issue Date: $100.00

	 	 
	
Cut-off Date and date of Pooling and Servicing Agreement: October 1, 2006
	
Denomination: $100.00

	 	 
	
First Distribution Date: November 25, 2006
	
Master Servicer: CitiMortgage, Inc.

	 	 
	
No. 1
	
Trust Administrator: CitiMortgage, Inc.

	 	 
	 	
Certificate Registrar, Paying Agent and Authenticating Agent: Citibank, N.A.

	 	 
	 	
Trustee: U.S. Bank National Association

	 	 

DISTRIBUTIONS IN REDUCTION OF THE CERTIFICATE PRINCIPAL BALANCE OF THIS CERTIFICATE MAY BE MADE MONTHLY AS SET FORTH HEREIN. ACCORDINGLY, THE OUTSTANDING CERTIFICATE PRINCIPAL BALANCE HEREOF AT ANY TIME MAY BE LESS THAN THE AMOUNT SHOWN ABOVE AS THE DENOMINATION OF THIS CERTIFICATE.

 

ASSET BACKED PASS-THROUGH CERTIFICATE

 

evidencing a beneficial ownership interest in a Trust Fund (the “Trust Fund”) consisting primarily of a pool of conventional one- to four-family, fixed-rate, first lien mortgage loans (the “Mortgage Loans”) formed and sold by

 

CITIGROUP MORTGAGE LOAN TRUST INC.

 

THIS CERTIFICATE DOES NOT REPRESENT AN OBLIGATION OF OR INTEREST IN CITIGROUP MORTGAGE LOAN TRUST INC., THE SERVICER, THE TRUST ADMINISTRATOR, THE TRUSTEE OR ANY OF THEIR RESPECTIVE AFFILIATES. NEITHER THIS CERTIFICATE NOR THE UNDERLYING MORTGAGE LOANS ARE GUARANTEED BY ANY AGENCY OR INSTRUMENTALITY OF THE UNITED STATES.

 

This certifies that Citigroup Global Markets Inc. is the registered owner of a Percentage Interest (obtained by dividing the denomination of this Certificate by the aggregate Certificate Principal Balance of the Class 1-P Certificates as of the Issue Date) in that certain beneficial ownership interest evidenced by all the Class 1-P Certificates in the Trust Fund created pursuant to a Pooling and Servicing Agreement, dated as specified above (the “Agreement”), among Citigroup Mortgage Loan Trust Inc. (hereinafter called the “Depositor,” which term includes any successor entity under the Agreement), the Master Servicer, the Trust Administrator, Citibank, N.A. and 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, distributions 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 (a “Distribution Date”), commencing on the First Distribution Date specified above, to the Person in whose name this Certificate is registered on the Record Date, in an amount equal to the product of the Percentage Interest evidenced by this Certificate and the amount
required to be distributed to the Holders of Class 1-P Certificates on such Distribution Date pursuant to the Agreement.

 

All distributions to the Holder of this Certificate under the Agreement will be made or caused to be made by the Paying Agent by wire transfer in immediately available funds to the account of the Person entitled thereto if such Person shall have so notified the Paying Agent in writing at least five Business Days prior to the Record Date immediately prior to such Distribution Date or otherwise by check mailed by first class mail to the address of the Person entitled thereto, as such name and address shall appear on the Certificate Register. Notwithstanding the above, the final distribution on this Certificate will be made after due notice by the Paying Agent of the pendency of such distribution and only upon presentation and surrender of this Certificate at the office or agency appointed by the Paying Agent for
that purpose as provided in the Agreement.

 

This Certificate is one of a duly authorized issue of Certificates designated as Asset Backed Pass-Through Certificates of the Series specified on the face hereof (herein called the “Certificates”) and representing the Percentage Interest specified above in the Class of Certificates to which the Certificate belongs.

 

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. As provided in the Agreement, withdrawals from the Collection Account and the Distribution Account may be made from time to time for purposes other than distributions to Certificateholders, such purposes including reimbursement of advances made, or certain expenses incurred, with respect to the Mortgage Loans.

 

The Agreement permits, with certain exceptions therein provided, the amendment thereof and the modification of the rights and obligations of the Depositor, the Master Servicer, the Trust Administrator, Citibank, N.A., the Trustee, and the rights of the Certificateholders, under the Agreement at any time by the Depositor, the Master Servicer, the Trust Administrator, Citibank, N.A. and the Trustee with the consent of the Holders of Certificates entitled to at least 66% of the Voting Rights. Any such consent by the Holder of this Certificate shall be conclusive and binding on such Holder and upon all future Holders of this Certificate and of any Certificate issued upon the transfer hereof or in exchange herefor or in lieu hereof whether or not notation of such consent is made upon this Certificate. The Agreement
also permits the amendment thereof, in certain limited circumstances, without the consent of the Holders of any of the Certificates.

 

As provided in the 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 Certificate Registrar as provided in the Agreement, duly endorsed by, or accompanied by an assignment in the form below or other written instrument of transfer in form satisfactory to 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 the same Class in authorized denominations evidencing the same aggregate Percentage Interest will be issued to the designated transferee or transferees.

 

No transfer of this Certificate shall be made unless the transfer is made pursuant to an effective registration statement under the Securities Act of 1933, as amended (the “1933 Act”), and an effective registration or qualification under applicable state securities laws, or is made in a transaction that does not require such registration or qualification. In the event that such a transfer of this Certificate is to be made without registration or qualification, the Trust Administrator shall require receipt of (i) if such transfer is purportedly being made in reliance upon Rule 144A under the 1933 Act, written certifications from the Holder of the Certificate desiring to effect the transfer, and from such Holder’s prospective transferee, substantially in the forms attached to the Agreement as
Exhibit F-1, and (ii) in all other cases, an Opinion of Counsel satisfactory to it that such transfer may be made without such registration or qualification (which Opinion of Counsel shall not be an expense of the Trust Fund or of the Depositor, the Trustee, the Trust Administrator or the Servicer in their respective capacities as such), together with copies of the written certification(s) of the Holder of the Certificate desiring to effect the transfer and/or such Holder’s prospective transferee upon which such Opinion of Counsel is based. None of the Depositor or the Trustee is obligated to register or qualify the Class of Certificates specified on the face hereof under the 1933 Act or any other securities law or to take any action not otherwise required under the Agreement to permit the transfer of such Certificates without registration or qualification. Any Holder desiring to effect a transfer of this Certificate shall be required to indemnify the Trustee, the Trust Administrator, the
Depositor, the Master Servicer, Citibank, N.A. and any Sub-Servicer 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 to a 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 using “Plan Assets” to acquire this Certificate shall be made except in accordance with Section 5.02(b) of the Agreement.

 

The Certificates are issuable in fully registered form only without coupons in Classes and denominations representing Percentage Interests specified in the Agreement. As provided in the Agreement and subject to certain limitations therein set forth, the Certificates are exchangeable for new Certificates of the same Class in authorized denominations evidencing the same 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 of Certificates, but the Certificate Registrar may require payment of a sum sufficient to cover any tax or other governmental charge that may be imposed in connection with any transfer or exchange of Certificates.

 

The Depositor, the Master Servicer, the Trust Administrator, Citibank, N.A., the Trustee and any agent of the Depositor, the Master Servicer, the Trust Administrator, Citibank, N.A. or the Trustee may treat the Person in whose name this Certificate is registered as the owner hereof for all purposes, and none of the Depositor, the Master Servicer, the Trust Administrator, Citibank, N.A., the Trustee, nor any such agent shall be affected by notice to the contrary.

 

The obligations created by the Agreement and the Trust Fund created thereby shall terminate upon payment to the Certificateholders of all amounts held by the Trustee and required to be paid to them pursuant to the Agreement following the earlier of (i) the final payment or other liquidation (or any advance with respect thereto) of the last Mortgage Loan and REO Property remaining in the Trust Fund and (ii) the purchase by the party designated in the Agreement at a price determined as provided in the Agreement from the Trust Fund of all the Mortgage Loans and all property acquired in respect of such Mortgage Loans. The Agreement permits, but does not require, the party designated in the Agreement to purchase from the Trust Fund all the Mortgage Loans in the Collateral Pool relating to this Certificate and all
property acquired in respect of any Mortgage Loan in such Collateral Pool at a price determined as provided in the Agreement. The exercise of such right will effect early retirement of the Certificates relating to such Collateral Pool; however, such right to purchase is subject to the aggregate Stated Principal Balance of the Mortgage Loans in such Collateral Pool at the time of purchase being less than 5% of the aggregate principal balance of the Mortgage Loans in such Collateral Pool as of the Cut-off Date.

 

The recitals contained herein shall be taken as statements of the Depositor and the Trustee assumes no responsibility for their correctness.

 

Unless the certificate of authentication hereon has been executed by the Authenticating Agent, by manual signature, this Certificate shall not be entitled to any benefit under the Agreement or be valid for any purpose.

 

IN WITNESS WHEREOF, the Paying Agent has caused this Certificate to be duly executed.

 

Dated: October ___, 2006

 

	 	 	 	 	 	 	 	
CITIBANK, N.A., not in its individual capacity, but solely as Paying Agent

	 	 	 	 	 	 	 	 	 	 	 	 	 	 
	 	 	 	 	 	 	 	 	 	 	 	 	 	 
	 	 	 	 	 	 	 	
By:
	 
	 	 	 	 	 	 	 	 	
Authorized Officer

CERTIFICATE OF AUTHENTICATION

 

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

 

	 	 	 	 	 	 	 	
CITIGROUP MORTGAGE LOAN TRUST INC., MORTGAGE PASS THROUGH CERTIFICATES, SERIES 2006-AR7

 

CITIBANK, N.A., not in its individual capacity, but solely as Authenticating Agent

	 	 	 	 	 	 	 	 	 	 	 	 	 	 
	 	 	 	 	 	 	 	 	 	 	 	 	 	 
	 	 	 	 	 	 	 	
By:
	 
	 	 	 	 	 	 	 	 	
Authorized Officer

 

ABBREVIATIONS

 

The following abbreviations, when used in the inscription on the face of this instrument, shall be construed as though they were written out in full according to applicable laws or regulations:

 

	
TEN COM -
	
as tenants in common
	
UNIF GIFT MIN ACT - Custodian

	 	 	 	 
	
TEN ENT -
	
as tenants by the entireties
	
(Cust) (Minor) under

Uniform Gifts to Minors Act

	 	 	 	 
	
JT TEN -
	
as joint tenants with right of survivorship and not as tenants in common
	 	
State

 

Additional abbreviations may also be used though not in the above list.

 

ASSIGNMENT

 

FOR VALUE RECEIVED, the undersigned hereby sell(s), assign(s) and transfer(s) unto ________________________________________________________________ 

	 
	 

(Please print or typewrite name, address including postal zip code, and Taxpayer Identification Number of assignee) a Percentage Interest equal to ____% evidenced by the within Asset Backed Pass-Through Certificates and hereby authorize(s) the registration of transfer of such interest to assignee on the Certificate Register of the Trust Fund.

 

I (we) further direct the Trustee to issue a new Certificate of a like Percentage Interest 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.

 

EXHIBIT A-18

 

FORM OF CLASS 1-R CERTIFICATE

 

THIS CERTIFICATE MAY NOT BE TRANSFERRED TO A NON-UNITED STATES PERSON.

 

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

 

ANY RESALE, TRANSFER OR OTHER DISPOSITION OF THIS CERTIFICATE MAY BE MADE ONLY IN ACCORDANCE WITH THE PROVISIONS OF SECTION 5.02 OF THE POOLING AND SERVICING AGREEMENT REFERRED TO HEREIN.

 

NO TRANSFER OF THIS CERTIFICATE TO AN EMPLOYEE BENEFIT PLAN OR OTHER RETIREMENT ARRANGEMENT (EACH A “PLAN”) SUBJECT TO THE EMPLOYEE RETIREMENT INCOME SECURITY ACT OF 1974, AS AMENDED (“ERISA”), OR THE CODE WILL BE REGISTERED EXCEPT IN COMPLIANCE WITH THE PROCEDURES DESCRIBED HEREIN.

 

ANY RESALE, TRANSFER OR OTHER DISPOSITION OF THIS CERTIFICATE MAY BE MADE ONLY IF THE PROPOSED TRANSFEREE PROVIDES (I) AN AFFIDAVIT TO THE TRUSTEE THAT (A) SUCH TRANSFEREE IS NOT (1) THE UNITED STATES OR ANY POSSESSION THEREOF, ANY STATE OR POLITICAL SUBDIVISION THEREOF, ANY FOREIGN GOVERNMENT, ANY INTERNATIONAL ORGANIZATION, OR ANY AGENCY OR INSTRUMENTALITY OF ANY OF THE FOREGOING, (2) ANY ORGANIZATION (OTHER THAN A COOPERATIVE DESCRIBED IN SECTION 521 OF THE CODE) THAT 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, (3) ANY ORGANIZATION DESCRIBED IN SECTION 1381(A)(2)(C) OF THE CODE (ANY SUCH PERSON DESCRIBED IN THE FOREGOING CLAUSES (1), (2) OR (3) SHALL HEREINAFTER BE REFERRED TO AS A “DISQUALIFIED
ORGANIZATION”) OR (4) AN AGENT OF A DISQUALIFIED ORGANIZATION AND (B) NO PURPOSE OF SUCH TRANSFER IS TO IMPEDE THE ASSESSMENT OR COLLECTION OF TAX, AND (II) SUCH TRANSFEREE SATISFIES CERTAIN ADDITIONAL CONDITIONS RELATING TO THE FINANCIAL CONDITION OF THE PROPOSED TRANSFEREE. NOTWITHSTANDING THE REGISTRATION IN THE CERTIFICATE REGISTER OF 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 HEREOF SHALL BE DEEMED TO HAVE CONSENTED TO THE PROVISIONS OF THIS PARAGRAPH AND THE PROVISIONS OF SECTION 5.02(C) OF THE POOLING AND SERVICING AGREEMENT REFERRED TO HEREIN. ANY PERSON THAT IS A DISQUALIFIED ORGANIZATION IS PROHIBITED FROM
ACQUIRING BENEFICIAL OWNERSHIP OF THIS CERTIFICATE.

 

	
Series 2006-AR7

 

Pass-Through Rate: Variable

 

Cut-off Date and date of Pooling and Servicing Agreement: October 1, 2006

 

First Distribution Date: November 25, 2006

 

No.1 
	
Aggregate Certificate Principal Balance of the Class 1-R Certificates as of the Issue Date: $100.23

 

Denomination: $100.23

 

Master Servicer: CitiMortgage, Inc.

 

Trust Administrator: CitiMortgage, Inc.

 

Certificate Registrar, Paying Agent and Authenticating Agent: Citibank, N.A.

 

Trustee: U.S. Bank National Association

 

Issue Date: October 31, 2006

 

CUSIP: 172987 AS 8

MORTGAGE PASS-THROUGH CERTIFICATE

 

evidencing a beneficial ownership interest in a Trust Fund (the “Trust Fund”) consisting primarily of a pool of conventional one- to four-family, adjustable-rate and fixed-rate, first lien mortgage loans (the “Mortgage Loans”) formed and sold by

 

CITIGROUP MORTGAGE LOAN TRUST INC.

 

THIS CERTIFICATE DOES NOT REPRESENT AN OBLIGATION OF OR INTEREST IN CITIGROUP MORTGAGE LOAN TRUST INC., THE MASTER SERVICER, THE TRUSTEE, THE TRUST ADMINSITRATOR, CITIBANK, N.A. OR ANY OF THEIR RESPECTIVE AFFILIATES. NEITHER THIS CERTIFICATE NOR THE UNDERLYING MORTGAGE LOANS ARE GUARANTEED BY ANY AGENCY OR INSTRUMENTALITY OF THE UNITED STATES.

 

This certifies that Citigroup Global Markets, Inc. is the registered owner of the Percentage Interest evidenced by this Certificate specified above in that certain beneficial ownership interest evidenced by all the Class 1-R Certificates in the Trust Fund created pursuant to a Pooling and Servicing Agreement, dated as specified above (the “Agreement”), among Citigroup Mortgage Loan Trust Inc. (hereinafter called the “Depositor,” which term includes any successor entity under the Agreement), the Master Servicer, the Trust Administrator, Citibank, N.A. and 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, distributions 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 (a “Distribution Date”), commencing on the First Distribution Date specified above, to the Person in whose name this Certificate is registered on the Record Date, in an amount equal to the product of the Percentage Interest evidenced by this Certificate and the amount
required to be distributed to the Holders of Class 1-R Certificates on such Distribution Date pursuant to the Agreement.

 

All distributions to the Holder of this Certificate under the Agreement will be made or caused to be made by the Paying Agent by wire transfer in immediately available funds to the account of the Person entitled thereto if such Person shall have so notified the Paying Agent in writing at least five Business Days prior to the Record Date immediately prior to such Distribution Date or otherwise by check mailed by first class mail to the address of the Person entitled thereto, as such name and address shall appear on the Certificate Register. Notwithstanding the above, the final distribution on this Certificate will be made after due notice by the Paying Agent of the pendency of such distribution and only upon presentation and surrender of this Certificate at the office or agency appointed by the Paying Agent for
that purpose as provided in the Agreement.

 

This Certificate is one of a duly authorized issue of Certificates designated as Mortgage Pass-Through Certificates of the Series specified on the face hereof (herein called the “Certificates”) and representing the Percentage Interest specified above in the Class of Certificates to which this Certificate belongs.

 

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. As provided in the Agreement, withdrawals from the Collection Account and the Distribution Account may be made from time to time for purposes other than distributions to Certificateholders, such purposes including reimbursement of advances made, or certain expenses incurred, with respect to the Mortgage Loans.

 

The Agreement permits, with certain exceptions therein provided, the amendment thereof and the modification of the rights and obligations of the Depositor, the Master Servicer, the Trust Administrator, Citibank, N.A. and the Trustee and the rights of the Certificateholders, under the Agreement at any time by the Depositor, the Master Servicer, the Trust Administrator, Citibank, N.A. and the Trustee with the consent of the Holders of Certificates entitled to at least 66% of the Voting Rights. Any such consent by the Holder of this Certificate shall be conclusive and binding on such Holder and upon all future Holders of this Certificate and of any Certificate issued upon the transfer hereof or in exchange herefor or in lieu hereof whether or not notation of such consent is made upon this Certificate. The
Agreement also permits the amendment thereof, in certain limited circumstances, without the consent of the Holders of any of the Certificates.

 

As provided in the 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 Certificate Registrar as provided in the Agreement, duly endorsed by, or accompanied by an assignment in the form below or other written instrument of transfer in form satisfactory to 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 the same Class in authorized denominations evidencing the same aggregate Percentage Interest will be issued to the designated transferee or transferees.

 

No transfer of this Certificate to a 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 using “Plan Assets” to acquire this Certificate shall be made except in accordance with Section 5.02(c) of the Agreement.

 

The Certificates are issuable in fully registered form only without coupons in Classes and denominations representing Percentage Interests specified in the Agreement. As provided in the Agreement and subject to certain limitations therein set forth, the Certificates are exchangeable for new Certificates of the same Class in authorized denominations evidencing the same 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 of Certificates, but the Certificate Registrar may require payment of a sum sufficient to cover any tax or other governmental charge that may be imposed in connection with any transfer or exchange of Certificates.

Prior to registration of any transfer, sale or other disposition of this Certificate, the proposed transferee shall provide to the Certificate Registrar (i) an affidavit to the effect that such transferee is any Person other than a Disqualified Organization or the agent (including a broker, nominee or middleman) of a Disqualified Organization, and (ii) a certificate that acknowledges that (A) the Class 1-R Certificates have been designated as a residual interest in a REMIC, (B) it will include in its income a pro rata share of the net income of the Trust Fund and that such income may be an “excess inclusion,” as defined in the
Code, that, with certain exceptions, cannot be offset by other losses or benefits from any tax exemption, and (C) it expects to have the financial means to satisfy all of its tax obligations including those relating to holding the Class R Certificates. Notwithstanding the registration in the Certificate Register of any transfer, sale or other disposition of this Certificate to a Disqualified Organization or an agent (including a broker, nominee or middleman) 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, including, but not limited to, the receipt of distributions in respect of this Certificate.

 

The Holder of this Certificate, by its acceptance hereof, shall be deemed to have consented to the provisions of Section 5.02 of the Agreement and to any amendment of the Agreement deemed necessary by counsel of the Depositor to ensure that the transfer of this Certificate to any Person other than a Permitted Transferee or any other Person will not cause any Trust Fund to cease to qualify as a REMIC or cause the imposition of a tax upon the REMIC.

 

The Depositor, the Master Servicer, the Trust Administrator, Citibank, N.A., the Trustee and any agent of the Depositor, the Master Servicer, the Trust Administrator, Citibank, N.A. or the Trustee may treat the Person in whose name this Certificate is registered as the owner hereof for all purposes, and none of the Depositor, the Master Servicer, the Trust Administrator, Citibank, N.A., the Trustee, nor any such agent shall be affected by notice to the contrary.

 

The obligations created by the Agreement and the Trust Fund created thereby shall terminate upon payment to the Certificateholders of all amounts held by the Trustee and required to be paid to them pursuant to the Agreement following the earlier of (i) the final payment or other liquidation (or any advance with respect thereto) of the last Mortgage Loan and REO Property remaining in the Trust Fund and (ii) the purchase by the party designated in the Agreement at a price determined as provided in the Agreement from the Trust Fund of all the Mortgage Loans and all property acquired in respect of such Mortgage Loans. The Agreement permits, but does not require, the party designated in the Agreement to purchase from the Trust Fund all the Mortgage Loans in the Collateral Pool relating to this Certificate and all
property acquired in respect of any Mortgage Loan in such Collateral Pool at a price determined as provided in the Agreement. The exercise of such right will effect early retirement of the Certificates relating to such Collateral Pool; however, such right to purchase is subject to the aggregate Stated Principal Balance of the Mortgage Loans in such Collateral Pool at the time of purchase being less than 5% of the aggregate principal balance of the Mortgage Loans in such Collateral Pool as of the Cut-off Date.

 

The recitals contained herein shall be taken as statements of the Depositor, and the Trustee assumes no responsibility for their correctness.

 

Unless the certificate of authentication hereon has been executed by the Authenticating Agent, by manual signature, this Certificate shall not be entitled to any benefit under the Agreement or be valid for any purpose.

 

IN WITNESS WHEREOF, the Paying Agent has caused this Certificate to be duly executed.

 

Dated: October ___, 2006

 

	 	 	 	 	 	 	 	
CITIBANK, N.A., not in its individual capacity, but solely as Paying Agent

	 	 	 	 	 	 	 	 	 	 	 	 	 	 
	 	 	 	 	 	 	 	 	 	 	 	 	 	 
	 	 	 	 	 	 	 	
By:
	 
	 	 	 	 	 	 	 	 	
Authorized Officer

CERTIFICATE OF AUTHENTICATION

 

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

 

	 	 	 	 	 	 	 	
CITIGROUP MORTGAGE LOAN TRUST INC., MORTGAGE PASS THROUGH CERTIFICATES, SERIES 2006-AR7

 

CITIBANK, N.A., not in its individual capacity, but solely as Authenticating Agent

	 	 	 	 	 	 	 	 	 	 	 	 	 	 
	 	 	 	 	 	 	 	 	 	 	 	 	 	 
	 	 	 	 	 	 	 	
By:
	 
	 	 	 	 	 	 	 	 	
Authorized Officer

 

ABBREVIATIONS

 

The following abbreviations, when used in the inscription on the face of this instrument, shall be construed as though they were written out in full according to applicable laws or regulations:

 

	
TEN COM -
	
as tenants in common
	
UNIF GIFT MIN ACT - Custodian

	 	 	 	 
	
TEN ENT -
	
as tenants by the entireties
	
(Cust) (Minor) under

Uniform Gifts to Minors Act

	 	 	 	 
	
JT TEN -
	
as joint tenants with right of survivorship and not as tenants in common
	 	
State

Additional abbreviations may also be used though not in the above list.

 

ASSIGNMENT

 

FOR VALUE RECEIVED, the undersigned hereby sell(s), assign(s) and transfer(s) unto 

	 	 	 
	 	 	 

(Please print or typewrite name, address including postal zip code, and Taxpayer Identification Number of assignee) a Percentage Interest equal to ____% evidenced by the within Mortgage Pass-Through Certificates and hereby authorize(s) the registration of transfer of such interest to assignee on the Certificate Register of the Trust Fund.

 

I (we) further direct the Trustee to issue a new Certificate of a like Percentage Interest 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.
	 	 

 

EXHIBIT A-19

 

FORM OF CLASS 2-A1A CERTIFICATE

 

UNLESS THIS CERTIFICATE IS PRESENTED BY AN AUTHORIZED REPRESENTATIVE OF THE DEPOSITORY TRUST COMPANY, A NEW YORK CORPORATION (“DTC”), TO THE TRUSTEE 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.

 

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”).

 

	
Series 2006-AR7

 

Pass-Through Rate: Variable

 

Cut-off Date and date of Pooling and Servicing Agreement: October 1, 2006

 

First Distribution Date: November 25, 2006

 

No. 1

 
	
Aggregate Certificate Principal Balance of the Class 2-A1A Certificates as of the Issue Date: $28,825,000.00

 

Denomination: $28,825,000.00

 

Master Servicer: CitiMortgage, Inc.

 

Trust Administrator: CitiMortgage, Inc.

 

Certificate Registrar, Paying Agent and Authenticating Agent: Citibank, N.A.

 

Trustee: U.S. Bank National Association

 

Issue Date: October 31, 2006

 

CUSIP: 172987 AU 3

 

DISTRIBUTIONS IN REDUCTION OF THE CERTIFICATE PRINCIPAL BALANCE OF THIS CERTIFICATE MAY BE MADE MONTHLY AS SET FORTH HEREIN. ACCORDINGLY, THE OUTSTANDING CERTIFICATE PRINCIPAL BALANCE HEREOF AT ANY TIME MAY BE LESS THAN THE AMOUNT SHOWN ABOVE AS THE DENOMINATION OF THIS CERTIFICATE. 

 

MORTGAGE PASS-THROUGH CERTIFICATE

 

evidencing a beneficial ownership interest in a Trust Fund (the “Trust Fund”) consisting primarily of a pool of conventional one- to four-family, adjustable-rate and fixed-rate, first lien mortgage loans (the “Mortgage Loans”) formed and sold by

 

CITIGROUP MORTGAGE LOAN TRUST INC.

 

THIS CERTIFICATE DOES NOT REPRESENT AN OBLIGATION OF OR INTEREST IN CITIGROUP MORTGAGE LOAN TRUST INC., THE MASTER SERVICER, THE TRUST ADMINISTRATOR, CITIBANK, N.A., THE TRUSTEE OR ANY OF THEIR RESPECTIVE AFFILIATES. NEITHER THIS CERTIFICATE NOR THE UNDERLYING MORTGAGE LOANS ARE GUARANTEED BY ANY AGENCY OR INSTRUMENTALITY OF THE UNITED STATES.

 

This certifies that Cede & Co. is the registered owner of a Percentage Interest (obtained by dividing the denomination of this Certificate by the aggregate Certificate Principal Balance of the Class 2-A1A Certificates as of the Issue Date) in that certain beneficial ownership interest evidenced by all the Class 2-A1A Certificates in the Trust Fund created pursuant to a Pooling and Servicing Agreement, dated as specified above (the “Agreement”), among Citigroup Mortgage Loan Trust Inc. (hereinafter called the “Depositor,” which term includes any successor entity under the Agreement), the Master Servicer, the Trust Administrator, Citibank, N.A. and 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, distributions 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 (a “Distribution Date”), commencing on the First Distribution Date specified above, to the Person in whose name this Certificate is registered on the Record Date, in an amount equal to the product of the Percentage Interest evidenced by this Certificate and the amount
required to be distributed to the Holders of Class 2-A1A Certificates on such Distribution Date pursuant to the Agreement.

 

All distributions to the Holder of this Certificate under the Agreement will be made or caused to be made by the Paying Agent by wire transfer in immediately available funds to the account of the Person entitled thereto if such Person shall have so notified the Paying Agent in writing at least five Business Days prior to the Record Date immediately prior to such Distribution Date or otherwise by check mailed by first class mail to the address of the Person entitled thereto, as such name and address shall appear on the Certificate Register. Notwithstanding the above, the final distribution on this Certificate will be made after due notice by the Paying Agent of the pendency of such distribution and only upon presentation and surrender of this Certificate at the office or agency appointed by the Paying Agent for
that purpose as provided in the Agreement.

 

This Certificate is one of a duly authorized issue of Certificates designated as Mortgage Pass-Through Certificates of the Series specified on the face hereof (herein called the “Certificates”) and representing the Percentage Interest specified above in the Class of Certificates to which this Certificate belongs.

 

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. As provided in the Agreement, withdrawals from the Collection Account and the Distribution Account may be made from time to time for purposes other than distributions to Certificateholders, such purposes including reimbursement of advances made, or certain expenses incurred, with respect to the Mortgage Loans.

 

The Agreement permits, with certain exceptions therein provided, the amendment thereof and the modification of the rights and obligations of the Depositor, the Master Servicer, the Trust Administrator, Citibank, N.A., the Trustee and the rights of the Certificateholders, under the Agreement at any time by the Depositor, the Master Servicer, the Trust Administrator, Citibank, N.A. and the Trustee with the consent of the Holders of Certificates entitled to at least 66% of the Voting Rights. Any such consent by the Holder of this Certificate shall be conclusive and binding on such Holder and upon all future Holders of this Certificate and of any Certificate issued upon the transfer hereof or in exchange herefor or in lieu hereof whether or not notation of such consent is made upon this Certificate. The Agreement
also permits the amendment thereof, in certain limited circumstances, without the consent of the Holders of any of the Certificates.

 

As provided in the 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 Certificate Registrar as provided in the Agreement, duly endorsed by, or accompanied by an assignment in the form below or other written instrument of transfer in form satisfactory to 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 the same Class in authorized denominations evidencing the same aggregate Percentage Interest will be issued to the designated transferee or transferees.

 

The Certificates are issuable in fully registered form only without coupons in Classes and denominations representing Percentage Interests specified in the Agreement. As provided in the Agreement and subject to certain limitations therein set forth, the Certificates are exchangeable for new Certificates of the same Class in authorized denominations evidencing the same 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 of Certificates, but the Certificate Registrar may require payment of a sum sufficient to cover any tax or other governmental charge that may be imposed in connection with any transfer or exchange of Certificates.

 

The Depositor, the Master Servicer, the Trust Administrator, Citibank, N.A., the Trustee and any agent of the Depositor, the Master Servicer, the Trust Administrator, Citibank, N.A. or the Trustee may treat the Person in whose name this Certificate is registered as the owner hereof for all purposes, and none of the Depositor, the Master Servicer, the Trust Administrator, Citibank, N.A., the Trustee nor any such agent shall be affected by notice to the contrary.

 

The obligations created by the Agreement and the Trust Fund created thereby shall terminate upon payment to the Certificateholders of all amounts held by the Trustee and required to be paid to them pursuant to the Agreement following the earlier of (i) the final payment or other liquidation (or any advance with respect thereto) of the last Mortgage Loan and REO Property remaining in the Trust Fund and (ii) the purchase by the party designated in the Agreement at a price determined as provided in the Agreement from the Trust Fund of all the Mortgage Loans and all property acquired in respect of such Mortgage Loans. The Agreement permits, but does not require, the party designated in the Agreement to purchase from the Trust Fund all the Mortgage Loans in the Collateral Pool relating to this Certificate and all
property acquired in respect of any Mortgage Loan in such Collateral Pool at a price determined as provided in the Agreement. The exercise of such right will effect early retirement of the Certificates relating to such Collateral Pool; however, such right to purchase is subject to the aggregate Stated Principal Balance of the Mortgage Loans in such Collateral Pool at the time of purchase being less than 5% of the aggregate principal balance of the Mortgage Loans in such Collateral Pool as of the Cut-off Date.

 

The recitals contained herein shall be taken as statements of the Depositor, and the Trustee assumes no responsibility for their correctness.

 

Unless the certificate of authentication hereon has been executed by the Authenticating Agent, by manual signature, this Certificate shall not be entitled to any benefit under the Agreement or be valid for any purpose.

IN WITNESS WHEREOF, the Paying Agent has caused this Certificate to be duly executed.

 

Dated: October ___, 2006

 

	 	 	 	 	 	 	 	
CITIBANK, N.A., not in its individual

capacity, but solely as Paying Agent

	 	 	 	 	 	 	 	 	 	 	 	 	 	 
	 	 	 	 	 	 	 	 	 	 	 	 	 	 
	 	 	 	 	 	 	 	
By:
	 
	 	 	 	 	 	 	 	 	
Authorized Officer

CERTIFICATE OF AUTHENTICATION

 

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

 

	 	 	 	 	 	 	 	
CITIGROUP MORTGAGE LOAN TRUST

INC., MORTGAGE PASS THROUGH

CERTIFICATES, SERIES 2006-AR7

 

CITIBANK, N.A., not in its individual

capacity, but solely as Authenticating Agent

	 	 	 	 	 	 	 	 	 	 	 	 	 	 
	 	 	 	 	 	 	 	 	 	 	 	 	 	 
	 	 	 	 	 	 	 	
By:
	 
	 	 	 	 	 	 	 	 	
Authorized Officer

 

ABBREVIATIONS

 

The following abbreviations, when used in the inscription on the face of this instrument, shall be construed as though they were written out in full according to applicable laws or regulations:

 

	
TEN COM -
	
as tenants in common
	
UNIF GIFT MIN ACT - Custodian

	 	 	 	 
	
TEN ENT -
	
as tenants by the entireties
	
(Cust) (Minor) under

Uniform Gifts to Minors Act

	 	 	 	 
	
JT TEN -
	
as joint tenants with right of survivorship and not as tenants in common
	 	
State

Additional abbreviations may also be used though not in the above list.

 

ASSIGNMENT

 

FOR VALUE RECEIVED, the undersigned hereby sell(s), assign(s) and transfer(s) unto 

	 	 	 
	 	 	 

(Please print or typewrite name, address including postal zip code, and Taxpayer Identification Number of assignee) a Percentage Interest equal to ____% evidenced by the within Mortgage Pass-Through Certificates and hereby authorize(s) the registration of transfer of such interest to assignee on the Certificate Register of the Trust Fund.

 

I (we) further direct the Trustee to issue a new Certificate of a like Percentage Interest 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.
	 	 

EXHIBIT A-20 

 

FORM OF CLASS 2-A1B CERTIFICATE

 

UNLESS THIS CERTIFICATE IS PRESENTED BY AN AUTHORIZED REPRESENTATIVE OF THE DEPOSITORY TRUST COMPANY, A NEW YORK CORPORATION (“DTC”), TO THE TRUSTEE 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.

 

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”).

 

	
Series 2006-AR7

 

Pass-Through Rate: Variable

 

Cut-off Date and date of Pooling and Servicing Agreement: October 1, 2006

 

First Distribution Date: November 25, 2006

 

No. 1
	
Aggregate Certificate Principal Balance of the Class 2-A1B Certificates as of the Issue Date: $1,929,000.00

 

Denomination: $1,929,000.00

 

Master Servicer: CitiMortgage, Inc.

 

Trust Administrator: CitiMortgage, Inc.

 

Certificate Registrar, Paying Agent and Authenticating Agent: Citibank, N.A.

 

Trustee: U.S. Bank National Association

 

Issue Date: October 31, 2006

 

CUSIP: 172987 AV 1

 

DISTRIBUTIONS IN REDUCTION OF THE CERTIFICATE PRINCIPAL BALANCE OF THIS CERTIFICATE MAY BE MADE MONTHLY AS SET FORTH HEREIN. ACCORDINGLY, THE OUTSTANDING CERTIFICATE PRINCIPAL BALANCE HEREOF AT ANY TIME MAY BE LESS THAN THE AMOUNT SHOWN ABOVE AS THE DENOMINATION OF THIS CERTIFICATE. 

 

MORTGAGE PASS-THROUGH CERTIFICATE

 

evidencing a beneficial ownership interest in a Trust Fund (the “Trust Fund”) consisting primarily of a pool of conventional one- to four-family, adjustable-rate and fixed-rate, first lien mortgage loans (the “Mortgage Loans”) formed and sold by

 

CITIGROUP MORTGAGE LOAN TRUST INC.

 

THIS CERTIFICATE DOES NOT REPRESENT AN OBLIGATION OF OR INTEREST IN CITIGROUP MORTGAGE LOAN TRUST INC., THE MASTER SERVICER, THE TRUST ADMINISTRATOR, CITIBANK, N.A., THE TRUSTEE OR ANY OF THEIR RESPECTIVE AFFILIATES. NEITHER THIS CERTIFICATE NOR THE UNDERLYING MORTGAGE LOANS ARE GUARANTEED BY ANY AGENCY OR INSTRUMENTALITY OF THE UNITED STATES.

 

This certifies that Cede & Co. is the registered owner of a Percentage Interest (obtained by dividing the denomination of this Certificate by the aggregate Certificate Principal Balance of the Class 2-A1B Certificates as of the Issue Date) in that certain beneficial ownership interest evidenced by all the Class 2-A1B Certificates in the Trust Fund created pursuant to a Pooling and Servicing Agreement, dated as specified above (the “Agreement”), among Citigroup Mortgage Loan Trust Inc. (hereinafter called the “Depositor,” which term includes any successor entity under the Agreement), the Master Servicer, the Trust Administrator, Citibank, N.A. and 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, distributions 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 (a “Distribution Date”), commencing on the First Distribution Date specified above, to the Person in whose name this Certificate is registered on the Record Date, in an amount equal to the product of the Percentage Interest evidenced by this Certificate and the amount
required to be distributed to the Holders of Class 2-A1B Certificates on such Distribution Date pursuant to the Agreement.

 

All distributions to the Holder of this Certificate under the Agreement will be made or caused to be made by the Paying Agent by wire transfer in immediately available funds to the account of the Person entitled thereto if such Person shall have so notified the Paying Agent in writing at least five Business Days prior to the Record Date immediately prior to such Distribution Date or otherwise by check mailed by first class mail to the address of the Person entitled thereto, as such name and address shall appear on the Certificate Register. Notwithstanding the above, the final distribution on this Certificate will be made after due notice by the Paying Agent of the pendency of such distribution and only upon presentation and surrender of this Certificate at the office or agency appointed by the Paying Agent for
that purpose as provided in the Agreement.

 

This Certificate is one of a duly authorized issue of Certificates designated as Mortgage Pass-Through Certificates of the Series specified on the face hereof (herein called the “Certificates”) and representing the Percentage Interest specified above in the Class of Certificates to which this Certificate belongs.

 

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. As provided in the Agreement, withdrawals from the Collection Account and the Distribution Account may be made from time to time for purposes other than distributions to Certificateholders, such purposes including reimbursement of advances made, or certain expenses incurred, with respect to the Mortgage Loans.

 

The Agreement permits, with certain exceptions therein provided, the amendment thereof and the modification of the rights and obligations of the Depositor, the Master Servicer, the Trust Administrator, Citibank, N.A., the Trustee and the rights of the Certificateholders, under the Agreement at any time by the Depositor, the Master Servicer, the Trust Administrator, Citibank, N.A. and the Trustee with the consent of the Holders of Certificates entitled to at least 66% of the Voting Rights. Any such consent by the Holder of this Certificate shall be conclusive and binding on such Holder and upon all future Holders of this Certificate and of any Certificate issued upon the transfer hereof or in exchange herefor or in lieu hereof whether or not notation of such consent is made upon this Certificate. The Agreement
also permits the amendment thereof, in certain limited circumstances, without the consent of the Holders of any of the Certificates.

 

As provided in the 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 Certificate Registrar as provided in the Agreement, duly endorsed by, or accompanied by an assignment in the form below or other written instrument of transfer in form satisfactory to 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 the same Class in authorized denominations evidencing the same aggregate Percentage Interest will be issued to the designated transferee or transferees.

 

The Certificates are issuable in fully registered form only without coupons in Classes and denominations representing Percentage Interests specified in the Agreement. As provided in the Agreement and subject to certain limitations therein set forth, the Certificates are exchangeable for new Certificates of the same Class in authorized denominations evidencing the same 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 of Certificates, but the Certificate Registrar may require payment of a sum sufficient to cover any tax or other governmental charge that may be imposed in connection with any transfer or exchange of Certificates.

 

The Depositor, the Master Servicer, the Trust Administrator, Citibank, N.A., the Trustee and any agent of the Depositor, the Master Servicer, the Trust Administrator, Citibank, N.A. or the Trustee may treat the Person in whose name this Certificate is registered as the owner hereof for all purposes, and none of the Depositor, the Master Servicer, the Trust Administrator, Citibank, N.A., the Trustee nor any such agent shall be affected by notice to the contrary.

 

The obligations created by the Agreement and the Trust Fund created thereby shall terminate upon payment to the Certificateholders of all amounts held by the Trustee and required to be paid to them pursuant to the Agreement following the earlier of (i) the final payment or other liquidation (or any advance with respect thereto) of the last Mortgage Loan and REO Property remaining in the Trust Fund and (ii) the purchase by the party designated in the Agreement at a price determined as provided in the Agreement from the Trust Fund of all the Mortgage Loans and all property acquired in respect of such Mortgage Loans. The Agreement permits, but does not require, the party designated in the Agreement to purchase from the Trust Fund all the Mortgage Loans in the Collateral Pool relating to this Certificate and all
property acquired in respect of any Mortgage Loan in such Collateral Pool at a price determined as provided in the Agreement. The exercise of such right will effect early retirement of the Certificates relating to such Collateral Pool; however, such right to purchase is subject to the aggregate Stated Principal Balance of the Mortgage Loans in such Collateral Pool at the time of purchase being less than 5% of the aggregate principal balance of the Mortgage Loans in such Collateral Pool as of the Cut-off Date.

 

The recitals contained herein shall be taken as statements of the Depositor, and the Trustee assumes no responsibility for their correctness.

 

Unless the certificate of authentication hereon has been executed by the Authenticating Agent, by manual signature, this Certificate shall not be entitled to any benefit under the Agreement or be valid for any purpose.

IN WITNESS WHEREOF, the Paying Agent has caused this Certificate to be duly executed.

 

Dated: October ___, 2006

 

	 	 	 	 	 	 	 	
CITIBANK, N.A., not in its individual

capacity, but solely as Paying Agent

	 	 	 	 	 	 	 	 	 	 	 	 	 	 
	 	 	 	 	 	 	 	 	 	 	 	 	 	 
	 	 	 	 	 	 	 	
By:
	 
	 	 	 	 	 	 	 	 	
Authorized Officer

CERTIFICATE OF AUTHENTICATION

 

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

 

	 	 	 	 	 	 	 	
CITIGROUP MORTGAGE LOAN TRUST

INC., MORTGAGE PASS THROUGH

CERTIFICATES, SERIES 2006-AR7

 

CITIBANK, N.A., not in its individual

capacity, but solely as Authenticating Agent

	 	 	 	 	 	 	 	 	 	 	 	 	 	 
	 	 	 	 	 	 	 	 	 	 	 	 	 	 
	 	 	 	 	 	 	 	
By:
	 
	 	 	 	 	 	 	 	 	
Authorized Officer

 

ABBREVIATIONS

 

The following abbreviations, when used in the inscription on the face of this instrument, shall be construed as though they were written out in full according to applicable laws or regulations:

 

	
TEN COM -
	
as tenants in common
	
UNIF GIFT MIN ACT - Custodian

	 	 	 	 
	
TEN ENT -
	
as tenants by the entireties
	
(Cust) (Minor) under

Uniform Gifts to Minors Act

	 	 	 	 
	
JT TEN -
	
as joint tenants with right of survivorship and not as tenants in common
	 	
State

Additional abbreviations may also be used though not in the above list.

 

ASSIGNMENT

 

FOR VALUE RECEIVED, the undersigned hereby sell(s), assign(s) and transfer(s) unto 

	 	 	 
	 	 	 

(Please print or typewrite name, address including postal zip code, and Taxpayer Identification Number of assignee) a Percentage Interest equal to ____% evidenced by the within Mortgage Pass-Through Certificates and hereby authorize(s) the registration of transfer of such interest to assignee on the Certificate Register of the Trust Fund.

 

I (we) further direct the Trustee to issue a new Certificate of a like Percentage Interest 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.
	 	 

 

EXHIBIT A-21

 

FORM OF CLASS 2-1IO CERTIFICATE

 

UNLESS THIS CERTIFICATE IS PRESENTED BY AN AUTHORIZED REPRESENTATIVE OF THE DEPOSITORY TRUST COMPANY, A NEW YORK CORPORATION (“DTC”), TO THE TRUSTEE 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.

 

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”).

 

	
Series 2006-AR7

 

Pass-Through Rate: 0.708% per annum

 

Cut-off Date and date of Pooling and Servicing Agreement: October 1, 2006

 

First Distribution Date: November 25, 2006

 

No. 1
	
Aggregate Notional Amount of the Class 2-1IO Certificates as of the Issue Date: $30,754,000.00

 

Denomination: $30,754,000.00

 

Master Servicer: CitiMortgage, Inc.

 

Trust Administrator: CitiMortgage, Inc.

 

Certificate Registrar, Paying Agent and Authenticating Agent: Citibank, N.A.

 

Trustee: U.S. Bank National Association

 

Issue Date: October 31, 2006

 

CUSIP: 172987 BC 2

 

THE NOTIONAL AMOUNT OF THIS CERTIFICATE WILL DECLINE MONTHLY. ACCORDINGLY, THE OUTSTANDING NOTIONAL AMOUNT HEREOF AT ANY TIME MAY BE LESS THAN THE AMOUNT SHOWN ABOVE AS THE DENOMINATION OF THIS CERTIFICATE.

 

MORTGAGE PASS-THROUGH CERTIFICATE

 

evidencing a beneficial ownership interest in a Trust Fund (the “Trust Fund”) consisting primarily of a pool of conventional one- to four-family, adjustable-rate and fixed-rate, first lien mortgage loans (the “Mortgage Loans”) formed and sold by

 

CITIGROUP MORTGAGE LOAN TRUST INC.

 

THIS CERTIFICATE DOES NOT REPRESENT AN OBLIGATION OF OR INTEREST IN CITIGROUP MORTGAGE LOAN TRUST INC., THE MASTER SERVICER, THE TRUST ADMINISTRATOR, CITIBANK, N.A., THE TRUSTEE OR ANY OF THEIR RESPECTIVE AFFILIATES. NEITHER THIS CERTIFICATE NOR THE UNDERLYING MORTGAGE LOANS ARE GUARANTEED BY ANY AGENCY OR INSTRUMENTALITY OF THE UNITED STATES.

 

This certifies that Cede & Co. is the registered owner of a Percentage Interest (obtained by dividing the denomination of this Certificate by the aggregate Notional Amount of the Class 2-1IO Certificates as of the Issue Date) in that certain beneficial ownership interest evidenced by all the Class 2-1IO Certificates in the Trust Fund created pursuant to a Pooling and Servicing Agreement, dated as specified above (the “Agreement”), among Citigroup Mortgage Loan Trust Inc. (hereinafter called the “Depositor,” which term includes any successor entity under the Agreement), the Master Servicer, the Trust Administrator, Citibank, N.A. and 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, distributions 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 (a “Distribution Date”), commencing on the First Distribution Date specified above, to the Person in whose name this Certificate is registered on the Record Date, in an amount equal to the product of the Percentage Interest evidenced by this Certificate and the amount
required to be distributed to the Holders of Class 2-1IO Certificates on such Distribution Date pursuant to the Agreement.

 

All distributions to the Holder of this Certificate under the Agreement will be made or caused to be made by the Paying Agent by wire transfer in immediately available funds to the account of the Person entitled thereto if such Person shall have so notified the Paying Agent in writing at least five Business Days prior to the Record Date immediately prior to such Distribution Date or otherwise by check mailed by first class mail to the address of the Person entitled thereto, as such name and address shall appear on the Certificate Register. Notwithstanding the above, the final distribution on this Certificate will be made after due notice by the Paying Agent of the pendency of such distribution and only upon presentation and surrender of this Certificate at the office or agency appointed by the Paying Agent for
that purpose as provided in the Agreement.

 

This Certificate is one of a duly authorized issue of Certificates designated as Mortgage Pass-Through Certificates of the Series specified on the face hereof (herein called the “Certificates”) and representing the Percentage Interest specified above in the Class of Certificates to which this Certificate belongs.

 

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. As provided in the Agreement, withdrawals from the Collection Account and the Distribution Account may be made from time to time for purposes other than distributions to Certificateholders, such purposes including reimbursement of advances made, or certain expenses incurred, with respect to the Mortgage Loans.

 

The Agreement permits, with certain exceptions therein provided, the amendment thereof and the modification of the rights and obligations of the Depositor, the Master Servicer, the Trust Administrator, Citibank, N.A., the Trustee and the rights of the Certificateholders, under the Agreement at any time by the Depositor, the Master Servicer, the Trust Administrator, Citibank, N.A. and the Trustee with the consent of the Holders of Certificates entitled to at least 66% of the Voting Rights. Any such consent by the Holder of this Certificate shall be conclusive and binding on such Holder and upon all future Holders of this Certificate and of any Certificate issued upon the transfer hereof or in exchange herefor or in lieu hereof whether or not notation of such consent is made upon this Certificate. The Agreement
also permits the amendment thereof, in certain limited circumstances, without the consent of the Holders of any of the Certificates.

 

As provided in the 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 Certificate Registrar as provided in the Agreement, duly endorsed by, or accompanied by an assignment in the form below or other written instrument of transfer in form satisfactory to 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 the same Class in authorized denominations evidencing the same aggregate Percentage Interest will be issued to the designated transferee or transferees.

 

The Certificates are issuable in fully registered form only without coupons in Classes and denominations representing Percentage Interests specified in the Agreement. As provided in the Agreement and subject to certain limitations therein set forth, the Certificates are exchangeable for new Certificates of the same Class in authorized denominations evidencing the same 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 of Certificates, but the Certificate Registrar may require payment of a sum sufficient to cover any tax or other governmental charge that may be imposed in connection with any transfer or exchange of Certificates.

 

The Depositor, the Master Servicer, the Trust Administrator, Citibank, N.A., the Trustee and any agent of the Depositor, the Master Servicer, the Trust Administrator, Citibank, N.A. or the Trustee may treat the Person in whose name this Certificate is registered as the owner hereof for all purposes, and none of the Depositor, the Master Servicer, the Trust Administrator, Citibank, N.A., the Trustee nor any such agent shall be affected by notice to the contrary.

 

The obligations created by the Agreement and the Trust Fund created thereby shall terminate upon payment to the Certificateholders of all amounts held by the Trustee and required to be paid to them pursuant to the Agreement following the earlier of (i) the final payment or other liquidation (or any advance with respect thereto) of the last Mortgage Loan and REO Property remaining in the Trust Fund and (ii) the purchase by the party designated in the Agreement at a price determined as provided in the Agreement from the Trust Fund of all the Mortgage Loans and all property acquired in respect of such Mortgage Loans. The Agreement permits, but does not require, the party designated in the Agreement to purchase from the Trust Fund all the Mortgage Loans in the Collateral Pool relating to this Certificate and all
property acquired in respect of any Mortgage Loan in such Collateral Pool at a price determined as provided in the Agreement. The exercise of such right will effect early retirement of the Certificates relating to such Collateral Pool; however, such right to purchase is subject to the aggregate Stated Principal Balance of the Mortgage Loans in such Collateral Pool at the time of purchase being less than 5% of the aggregate principal balance of the Mortgage Loans in such Collateral Pool as of the Cut-off Date.

 

The recitals contained herein shall be taken as statements of the Depositor, and the Trustee assumes no responsibility for their correctness.

 

Unless the certificate of authentication hereon has been executed by the Authenticating Agent, by manual signature, this Certificate shall not be entitled to any benefit under the Agreement or be valid for any purpose.

IN WITNESS WHEREOF, the Paying Agent has caused this Certificate to be duly executed.

 

Dated: October ___, 2006

 

	 	 	 	 	 	 	 	
CITIBANK, N.A., not in its individual

capacity, but solely as Paying Agent

	 	 	 	 	 	 	 	 	 	 	 	 	 	 
	 	 	 	 	 	 	 	 	 	 	 	 	 	 
	 	 	 	 	 	 	 	
By:
	 
	 	 	 	 	 	 	 	 	
Authorized Officer

CERTIFICATE OF AUTHENTICATION

 

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

 

	 	 	 	 	 	 	 	
CITIGROUP MORTGAGE LOAN TRUST

INC., MORTGAGE PASS THROUGH

CERTIFICATES, SERIES 2006-AR7

 

CITIBANK, N.A., not in its individual

capacity, but solely as Authenticating Agent

	 	 	 	 	 	 	 	 	 	 	 	 	 	 
	 	 	 	 	 	 	 	 	 	 	 	 	 	 
	 	 	 	 	 	 	 	
By:
	 
	 	 	 	 	 	 	 	 	
Authorized Officer

 

ABBREVIATIONS

 

The following abbreviations, when used in the inscription on the face of this instrument, shall be construed as though they were written out in full according to applicable laws or regulations:

 

	
TEN COM -
	
as tenants in common
	
UNIF GIFT MIN ACT - Custodian

	 	 	 	 
	
TEN ENT -
	
as tenants by the entireties
	
(Cust) (Minor) under

Uniform Gifts to Minors Act

	 	 	 	 
	
JT TEN -
	
as joint tenants with right of survivorship and not as tenants in common
	 	
State

Additional abbreviations may also be used though not in the above list.

 

ASSIGNMENT

 

FOR VALUE RECEIVED, the undersigned hereby sell(s), assign(s) and transfer(s) unto 

	 	 	 
	 	 	 

(Please print or typewrite name, address including postal zip code, and Taxpayer Identification Number of assignee) a Percentage Interest equal to ____% evidenced by the within Mortgage Pass-Through Certificates and hereby authorize(s) the registration of transfer of such interest to assignee on the Certificate Register of the Trust Fund.

 

I (we) further direct the Trustee to issue a new Certificate of a like Percentage Interest 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.
	 	 

 

EXHIBIT A-22

 

FORM OF CLASS 2-A2A CERTIFICATE

 

UNLESS THIS CERTIFICATE IS PRESENTED BY AN AUTHORIZED REPRESENTATIVE OF THE DEPOSITORY TRUST COMPANY, A NEW YORK CORPORATION (“DTC”), TO THE TRUSTEE 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.

 

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”).

 

	
Series 2006-AR7

 

Pass-Through Rate: Variable

 

Cut-off Date and date of Pooling and Servicing Agreement: October 1, 2006

 

First Distribution Date: November 25, 2006

 

No. 1
	
Aggregate Certificate Principal Balance of the Class 2-A2A Certificates as of the Issue Date: $225,908,000.00

 

Denomination: $225,908,000.00

 

Master Servicer: CitiMortgage, Inc.

 

Trust Administrator: CitiMortgage, Inc.

 

Certificate Registrar, Paying Agent and Authenticating Agent: Citibank, N.A.

 

Trustee: U.S. Bank National Association

 

Issue Date: October 31, 2006

 

CUSIP: 172987 AW 9

 

DISTRIBUTIONS IN REDUCTION OF THE CERTIFICATE PRINCIPAL BALANCE OF THIS CERTIFICATE MAY BE MADE MONTHLY AS SET FORTH HEREIN. ACCORDINGLY, THE OUTSTANDING CERTIFICATE PRINCIPAL BALANCE HEREOF AT ANY TIME MAY BE LESS THAN THE AMOUNT SHOWN ABOVE AS THE DENOMINATION OF THIS CERTIFICATE. 

 

MORTGAGE PASS-THROUGH CERTIFICATE

 

evidencing a beneficial ownership interest in a Trust Fund (the “Trust Fund”) consisting primarily of a pool of conventional one- to four-family, adjustable-rate and fixed-rate, first lien mortgage loans (the “Mortgage Loans”) formed and sold by

 

CITIGROUP MORTGAGE LOAN TRUST INC.

 

THIS CERTIFICATE DOES NOT REPRESENT AN OBLIGATION OF OR INTEREST IN CITIGROUP MORTGAGE LOAN TRUST INC., THE MASTER SERVICER, THE TRUST ADMINISTRATOR, CITIBANK, N.A., THE TRUSTEE OR ANY OF THEIR RESPECTIVE AFFILIATES. NEITHER THIS CERTIFICATE NOR THE UNDERLYING MORTGAGE LOANS ARE GUARANTEED BY ANY AGENCY OR INSTRUMENTALITY OF THE UNITED STATES.

 

This certifies that Cede & Co. is the registered owner of a Percentage Interest (obtained by dividing the denomination of this Certificate by the aggregate Certificate Principal Balance of the Class 2-A2A Certificates as of the Issue Date) in that certain beneficial ownership interest evidenced by all the Class 2-A2A Certificates in the Trust Fund created pursuant to a Pooling and Servicing Agreement, dated as specified above (the “Agreement”), among Citigroup Mortgage Loan Trust Inc. (hereinafter called the “Depositor,” which term includes any successor entity under the Agreement), the Master Servicer, the Trust Administrator, Citibank, N.A. and 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, distributions 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 (a “Distribution Date”), commencing on the First Distribution Date specified above, to the Person in whose name this Certificate is registered on the Record Date, in an amount equal to the product of the Percentage Interest evidenced by this Certificate and the amount
required to be distributed to the Holders of Class 2-A2A Certificates on such Distribution Date pursuant to the Agreement.

 

All distributions to the Holder of this Certificate under the Agreement will be made or caused to be made by the Paying Agent by wire transfer in immediately available funds to the account of the Person entitled thereto if such Person shall have so notified the Paying Agent in writing at least five Business Days prior to the Record Date immediately prior to such Distribution Date or otherwise by check mailed by first class mail to the address of the Person entitled thereto, as such name and address shall appear on the Certificate Register. Notwithstanding the above, the final distribution on this Certificate will be made after due notice by the Paying Agent of the pendency of such distribution and only upon presentation and surrender of this Certificate at the office or agency appointed by the Paying Agent for
that purpose as provided in the Agreement.

 

This Certificate is one of a duly authorized issue of Certificates designated as Mortgage Pass-Through Certificates of the Series specified on the face hereof (herein called the “Certificates”) and representing the Percentage Interest specified above in the Class of Certificates to which this Certificate belongs.

 

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. As provided in the Agreement, withdrawals from the Collection Account and the Distribution Account may be made from time to time for purposes other than distributions to Certificateholders, such purposes including reimbursement of advances made, or certain expenses incurred, with respect to the Mortgage Loans.

 

The Agreement permits, with certain exceptions therein provided, the amendment thereof and the modification of the rights and obligations of the Depositor, the Master Servicer, the Trust Administrator, Citibank, N.A., the Trustee and the rights of the Certificateholders, under the Agreement at any time by the Depositor, the Master Servicer, the Trust Administrator, Citibank, N.A. and the Trustee with the consent of the Holders of Certificates entitled to at least 66% of the Voting Rights. Any such consent by the Holder of this Certificate shall be conclusive and binding on such Holder and upon all future Holders of this Certificate and of any Certificate issued upon the transfer hereof or in exchange herefor or in lieu hereof whether or not notation of such consent is made upon this Certificate. The Agreement
also permits the amendment thereof, in certain limited circumstances, without the consent of the Holders of any of the Certificates.

 

As provided in the 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 Certificate Registrar as provided in the Agreement, duly endorsed by, or accompanied by an assignment in the form below or other written instrument of transfer in form satisfactory to 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 the same Class in authorized denominations evidencing the same aggregate Percentage Interest will be issued to the designated transferee or transferees.

 

The Certificates are issuable in fully registered form only without coupons in Classes and denominations representing Percentage Interests specified in the Agreement. As provided in the Agreement and subject to certain limitations therein set forth, the Certificates are exchangeable for new Certificates of the same Class in authorized denominations evidencing the same 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 of Certificates, but the Certificate Registrar may require payment of a sum sufficient to cover any tax or other governmental charge that may be imposed in connection with any transfer or exchange of Certificates.

 

The Depositor, the Master Servicer, the Trust Administrator, Citibank, N.A., the Trustee and any agent of the Depositor, the Master Servicer, the Trust Administrator, Citibank, N.A. or the Trustee may treat the Person in whose name this Certificate is registered as the owner hereof for all purposes, and none of the Depositor, the Master Servicer, the Trust Administrator, Citibank, N.A., the Trustee nor any such agent shall be affected by notice to the contrary.

 

The obligations created by the Agreement and the Trust Fund created thereby shall terminate upon payment to the Certificateholders of all amounts held by the Trustee and required to be paid to them pursuant to the Agreement following the earlier of (i) the final payment or other liquidation (or any advance with respect thereto) of the last Mortgage Loan and REO Property remaining in the Trust Fund and (ii) the purchase by the party designated in the Agreement at a price determined as provided in the Agreement from the Trust Fund of all the Mortgage Loans and all property acquired in respect of such Mortgage Loans. The Agreement permits, but does not require, the party designated in the Agreement to purchase from the Trust Fund all the Mortgage Loans in the Collateral Pool relating to this Certificate and all
property acquired in respect of any Mortgage Loan in such Collateral Pool at a price determined as provided in the Agreement. The exercise of such right will effect early retirement of the Certificates relating to such Collateral Pool; however, such right to purchase is subject to the aggregate Stated Principal Balance of the Mortgage Loans in such Collateral Pool at the time of purchase being less than 5% of the aggregate principal balance of the Mortgage Loans in such Collateral Pool as of the Cut-off Date.

 

The recitals contained herein shall be taken as statements of the Depositor, and the Trustee assumes no responsibility for their correctness.

 

Unless the certificate of authentication hereon has been executed by the Authenticating Agent, by manual signature, this Certificate shall not be entitled to any benefit under the Agreement or be valid for any purpose.

IN WITNESS WHEREOF, the Paying Agent has caused this Certificate to be duly executed.

 

Dated: October ___, 2006

 

	 	 	 	 	 	 	 	
CITIBANK, N.A., not in its individual

capacity, but solely as Paying Agent

	 	 	 	 	 	 	 	 	 	 	 	 	 	 
	 	 	 	 	 	 	 	 	 	 	 	 	 	 
	 	 	 	 	 	 	 	
By:
	 
	 	 	 	 	 	 	 	 	
Authorized Officer

CERTIFICATE OF AUTHENTICATION

 

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

 

	 	 	 	 	 	 	 	
CITIGROUP MORTGAGE LOAN TRUST

INC., MORTGAGE PASS THROUGH

CERTIFICATES, SERIES 2006-AR7

 

CITIBANK, N.A., not in its individual

capacity, but solely as Authenticating Agent

	 	 	 	 	 	 	 	 	 	 	 	 	 	 
	 	 	 	 	 	 	 	 	 	 	 	 	 	 
	 	 	 	 	 	 	 	
By:
	 
	 	 	 	 	 	 	 	 	
Authorized Officer

 

ABBREVIATIONS

 

The following abbreviations, when used in the inscription on the face of this instrument, shall be construed as though they were written out in full according to applicable laws or regulations:

 

	
TEN COM -
	
as tenants in common
	
UNIF GIFT MIN ACT - Custodian

	 	 	 	 
	
TEN ENT -
	
as tenants by the entireties
	
(Cust) (Minor) under

Uniform Gifts to Minors Act

	 	 	 	 
	
JT TEN -
	
as joint tenants with right of survivorship and not as tenants in common
	 	
State

Additional abbreviations may also be used though not in the above list.

 

ASSIGNMENT

 

FOR VALUE RECEIVED, the undersigned hereby sell(s), assign(s) and transfer(s) unto 

	 	 	 
	 	 	 

(Please print or typewrite name, address including postal zip code, and Taxpayer Identification Number of assignee) a Percentage Interest equal to ____% evidenced by the within Mortgage Pass-Through Certificates and hereby authorize(s) the registration of transfer of such interest to assignee on the Certificate Register of the Trust Fund.

 

I (we) further direct the Trustee to issue a new Certificate of a like Percentage Interest 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.
	 	 

 

EXHIBIT A-23

 

FORM OF CLASS 2-A2B CERTIFICATE

 

UNLESS THIS CERTIFICATE IS PRESENTED BY AN AUTHORIZED REPRESENTATIVE OF THE DEPOSITORY TRUST COMPANY, A NEW YORK CORPORATION (“DTC”), TO THE TRUSTEE 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.

 

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”).

 

	
Series 2006-AR7

 

Pass-Through Rate: Variable

 

Cut-off Date and date of Pooling and Servicing Agreement: October 1, 2006

 

First Distribution Date: November 25, 2006

 

No. 1
	
Aggregate Certificate Principal Balance of the Class 2-A2B Certificates as of the Issue Date: $15,112,000.00

 

Denomination: $15,112,000.00

 

Master Servicer: CitiMortgage, Inc.

 

Trust Administrator: CitiMortgage, Inc.

 

Certificate Registrar, Paying Agent and Authenticating Agent: Citibank, N.A.

 

Trustee: U.S. Bank National Association

 

Issue Date: October 31, 2006

 

CUSIP: 172987 AX 7

 

DISTRIBUTIONS IN REDUCTION OF THE CERTIFICATE PRINCIPAL BALANCE OF THIS CERTIFICATE MAY BE MADE MONTHLY AS SET FORTH HEREIN. ACCORDINGLY, THE OUTSTANDING CERTIFICATE PRINCIPAL BALANCE HEREOF AT ANY TIME MAY BE LESS THAN THE AMOUNT SHOWN ABOVE AS THE DENOMINATION OF THIS CERTIFICATE. 

 

MORTGAGE PASS-THROUGH CERTIFICATE

 

evidencing a beneficial ownership interest in a Trust Fund (the “Trust Fund”) consisting primarily of a pool of conventional one- to four-family, adjustable-rate and fixed-rate, first lien mortgage loans (the “Mortgage Loans”) formed and sold by

 

CITIGROUP MORTGAGE LOAN TRUST INC.

 

THIS CERTIFICATE DOES NOT REPRESENT AN OBLIGATION OF OR INTEREST IN CITIGROUP MORTGAGE LOAN TRUST INC., THE MASTER SERVICER, THE TRUST ADMINISTRATOR, CITIBANK, N.A., THE TRUSTEE OR ANY OF THEIR RESPECTIVE AFFILIATES. NEITHER THIS CERTIFICATE NOR THE UNDERLYING MORTGAGE LOANS ARE GUARANTEED BY ANY AGENCY OR INSTRUMENTALITY OF THE UNITED STATES.

 

This certifies that Cede & Co. is the registered owner of a Percentage Interest (obtained by dividing the denomination of this Certificate by the aggregate Certificate Principal Balance of the Class 2-A2B Certificates as of the Issue Date) in that certain beneficial ownership interest evidenced by all the Class 2-A2B Certificates in the Trust Fund created pursuant to a Pooling and Servicing Agreement, dated as specified above (the “Agreement”), among Citigroup Mortgage Loan Trust Inc. (hereinafter called the “Depositor,” which term includes any successor entity under the Agreement), the Master Servicer, the Trust Administrator, Citibank, N.A. and 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, distributions 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 (a “Distribution Date”), commencing on the First Distribution Date specified above, to the Person in whose name this Certificate is registered on the Record Date, in an amount equal to the product of the Percentage Interest evidenced by this Certificate and the amount
required to be distributed to the Holders of Class 2-A2B Certificates on such Distribution Date pursuant to the Agreement.

 

All distributions to the Holder of this Certificate under the Agreement will be made or caused to be made by the Paying Agent by wire transfer in immediately available funds to the account of the Person entitled thereto if such Person shall have so notified the Paying Agent in writing at least five Business Days prior to the Record Date immediately prior to such Distribution Date or otherwise by check mailed by first class mail to the address of the Person entitled thereto, as such name and address shall appear on the Certificate Register. Notwithstanding the above, the final distribution on this Certificate will be made after due notice by the Paying Agent of the pendency of such distribution and only upon presentation and surrender of this Certificate at the office or agency appointed by the Paying Agent for
that purpose as provided in the Agreement.

 

This Certificate is one of a duly authorized issue of Certificates designated as Mortgage Pass-Through Certificates of the Series specified on the face hereof (herein called the “Certificates”) and representing the Percentage Interest specified above in the Class of Certificates to which this Certificate belongs.

 

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. As provided in the Agreement, withdrawals from the Collection Account and the Distribution Account may be made from time to time for purposes other than distributions to Certificateholders, such purposes including reimbursement of advances made, or certain expenses incurred, with respect to the Mortgage Loans.

 

The Agreement permits, with certain exceptions therein provided, the amendment thereof and the modification of the rights and obligations of the Depositor, the Master Servicer, the Trust Administrator, Citibank, N.A., the Trustee and the rights of the Certificateholders, under the Agreement at any time by the Depositor, the Master Servicer, the Trust Administrator, Citibank, N.A. and the Trustee with the consent of the Holders of Certificates entitled to at least 66% of the Voting Rights. Any such consent by the Holder of this Certificate shall be conclusive and binding on such Holder and upon all future Holders of this Certificate and of any Certificate issued upon the transfer hereof or in exchange herefor or in lieu hereof whether or not notation of such consent is made upon this Certificate. The Agreement
also permits the amendment thereof, in certain limited circumstances, without the consent of the Holders of any of the Certificates.

 

As provided in the 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 Certificate Registrar as provided in the Agreement, duly endorsed by, or accompanied by an assignment in the form below or other written instrument of transfer in form satisfactory to 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 the same Class in authorized denominations evidencing the same aggregate Percentage Interest will be issued to the designated transferee or transferees.

 

The Certificates are issuable in fully registered form only without coupons in Classes and denominations representing Percentage Interests specified in the Agreement. As provided in the Agreement and subject to certain limitations therein set forth, the Certificates are exchangeable for new Certificates of the same Class in authorized denominations evidencing the same 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 of Certificates, but the Certificate Registrar may require payment of a sum sufficient to cover any tax or other governmental charge that may be imposed in connection with any transfer or exchange of Certificates.

 

The Depositor, the Master Servicer, the Trust Administrator, Citibank, N.A., the Trustee and any agent of the Depositor, the Master Servicer, the Trust Administrator, Citibank, N.A. or the Trustee may treat the Person in whose name this Certificate is registered as the owner hereof for all purposes, and none of the Depositor, the Master Servicer, the Trust Administrator, Citibank, N.A., the Trustee nor any such agent shall be affected by notice to the contrary.

 

The obligations created by the Agreement and the Trust Fund created thereby shall terminate upon payment to the Certificateholders of all amounts held by the Trustee and required to be paid to them pursuant to the Agreement following the earlier of (i) the final payment or other liquidation (or any advance with respect thereto) of the last Mortgage Loan and REO Property remaining in the Trust Fund and (ii) the purchase by the party designated in the Agreement at a price determined as provided in the Agreement from the Trust Fund of all the Mortgage Loans and all property acquired in respect of such Mortgage Loans. The Agreement permits, but does not require, the party designated in the Agreement to purchase from the Trust Fund all the Mortgage Loans in the Collateral Pool relating to this Certificate and all
property acquired in respect of any Mortgage Loan in such Collateral Pool at a price determined as provided in the Agreement. The exercise of such right will effect early retirement of the Certificates relating to such Collateral Pool; however, such right to purchase is subject to the aggregate Stated Principal Balance of the Mortgage Loans in such Collateral Pool at the time of purchase being less than 5% of the aggregate principal balance of the Mortgage Loans in such Collateral Pool as of the Cut-off Date.

 

The recitals contained herein shall be taken as statements of the Depositor, and the Trustee assumes no responsibility for their correctness.

 

Unless the certificate of authentication hereon has been executed by the Authenticating Agent, by manual signature, this Certificate shall not be entitled to any benefit under the Agreement or be valid for any purpose.

IN WITNESS WHEREOF, the Paying Agent has caused this Certificate to be duly executed.

 

Dated: October ___, 2006

 

	 	 	 	 	 	 	 	
CITIBANK, N.A., not in its individual

capacity, but solely as Paying Agent

	 	 	 	 	 	 	 	 	 	 	 	 	 	 
	 	 	 	 	 	 	 	 	 	 	 	 	 	 
	 	 	 	 	 	 	 	
By:
	 
	 	 	 	 	 	 	 	 	
Authorized Officer

CERTIFICATE OF AUTHENTICATION

 

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

 

	 	 	 	 	 	 	 	
CITIGROUP MORTGAGE LOAN TRUST

INC., MORTGAGE PASS THROUGH

CERTIFICATES, SERIES 2006-AR7

 

CITIBANK, N.A., not in its individual

capacity, but solely as Authenticating Agent

	 	 	 	 	 	 	 	 	 	 	 	 	 	 
	 	 	 	 	 	 	 	 	 	 	 	 	 	 
	 	 	 	 	 	 	 	
By:
	 
	 	 	 	 	 	 	 	 	
Authorized Officer

 

ABBREVIATIONS

 

The following abbreviations, when used in the inscription on the face of this instrument, shall be construed as though they were written out in full according to applicable laws or regulations:

 

	
TEN COM -
	
as tenants in common
	
UNIF GIFT MIN ACT - Custodian

	 	 	 	 
	
TEN ENT -
	
as tenants by the entireties
	
(Cust) (Minor) under

Uniform Gifts to Minors Act

	 	 	 	 
	
JT TEN -
	
as joint tenants with right of survivorship and not as tenants in common
	 	
State

Additional abbreviations may also be used though not in the above list.

 

ASSIGNMENT

 

FOR VALUE RECEIVED, the undersigned hereby sell(s), assign(s) and transfer(s) unto 

	 	 	 
	 	 	 

(Please print or typewrite name, address including postal zip code, and Taxpayer Identification Number of assignee) a Percentage Interest equal to ____% evidenced by the within Mortgage Pass-Through Certificates and hereby authorize(s) the registration of transfer of such interest to assignee on the Certificate Register of the Trust Fund.

 

I (we) further direct the Trustee to issue a new Certificate of a like Percentage Interest 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.
	 	 

EXHIBIT A-24

 

FORM OF CLASS 2-2IO CERTIFICATE

 

UNLESS THIS CERTIFICATE IS PRESENTED BY AN AUTHORIZED REPRESENTATIVE OF THE DEPOSITORY TRUST COMPANY, A NEW YORK CORPORATION (“DTC”), TO THE TRUSTEE 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.

 

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”).

 

	
Series 2006-AR7

 

Pass-Through Rate: 0.769% per annum

 

Cut-off Date and date of Pooling and Servicing Agreement: October 1, 2006

 

First Distribution Date: November 25, 2006

 

No. 1
	
Aggregate Notional Amount of the Class 2-2IO Certificates as of the Issue Date: $241,020,000.00

 

Denomination: $241,020,000.00

 

Master Servicer: CitiMortgage, Inc.

 

Trust Administrator: CitiMortgage, Inc.

 

Certificate Registrar, Paying Agent and Authenticating Agent: Citibank, N.A.

 

Trustee: U.S. Bank National Association

 

Issue Date: October 31, 2006

 

CUSIP: 172987 BD 0

 

THE NOTIONAL AMOUNT OF THIS CERTIFICATE WILL DECLINE MONTHLY. ACCORDINGLY, THE OUTSTANDING NOTIONAL AMOUNT HEREOF AT ANY TIME MAY BE LESS THAN THE AMOUNT SHOWN ABOVE AS THE DENOMINATION OF THIS CERTIFICATE.

 

MORTGAGE PASS-THROUGH CERTIFICATE

 

evidencing a beneficial ownership interest in a Trust Fund (the “Trust Fund”) consisting primarily of a pool of conventional one- to four-family, adjustable-rate and fixed-rate, first lien mortgage loans (the “Mortgage Loans”) formed and sold by

 

CITIGROUP MORTGAGE LOAN TRUST INC.

 

THIS CERTIFICATE DOES NOT REPRESENT AN OBLIGATION OF OR INTEREST IN CITIGROUP MORTGAGE LOAN TRUST INC., THE MASTER SERVICER, THE TRUST ADMINISTRATOR, CITIBANK, N.A., THE TRUSTEE OR ANY OF THEIR RESPECTIVE AFFILIATES. NEITHER THIS CERTIFICATE NOR THE UNDERLYING MORTGAGE LOANS ARE GUARANTEED BY ANY AGENCY OR INSTRUMENTALITY OF THE UNITED STATES.

 

This certifies that Cede & Co. is the registered owner of a Percentage Interest (obtained by dividing the denomination of this Certificate by the aggregate Notional Amount of the Class 2-2IO Certificates as of the Issue Date) in that certain beneficial ownership interest evidenced by all the Class 2-2IO Certificates in the Trust Fund created pursuant to a Pooling and Servicing Agreement, dated as specified above (the “Agreement”), among Citigroup Mortgage Loan Trust Inc. (hereinafter called the “Depositor,” which term includes any successor entity under the Agreement), the Master Servicer, the Trust Administrator, Citibank, N.A. and 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, distributions 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 (a “Distribution Date”), commencing on the First Distribution Date specified above, to the Person in whose name this Certificate is registered on the Record Date, in an amount equal to the product of the Percentage Interest evidenced by this Certificate and the amount
required to be distributed to the Holders of Class 2-2IO Certificates on such Distribution Date pursuant to the Agreement.

 

All distributions to the Holder of this Certificate under the Agreement will be made or caused to be made by the Paying Agent by wire transfer in immediately available funds to the account of the Person entitled thereto if such Person shall have so notified the Paying Agent in writing at least five Business Days prior to the Record Date immediately prior to such Distribution Date or otherwise by check mailed by first class mail to the address of the Person entitled thereto, as such name and address shall appear on the Certificate Register. Notwithstanding the above, the final distribution on this Certificate will be made after due notice by the Paying Agent of the pendency of such distribution and only upon presentation and surrender of this Certificate at the office or agency appointed by the Paying Agent for
that purpose as provided in the Agreement.

 

This Certificate is one of a duly authorized issue of Certificates designated as Mortgage Pass-Through Certificates of the Series specified on the face hereof (herein called the “Certificates”) and representing the Percentage Interest specified above in the Class of Certificates to which this Certificate belongs.

 

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. As provided in the Agreement, withdrawals from the Collection Account and the Distribution Account may be made from time to time for purposes other than distributions to Certificateholders, such purposes including reimbursement of advances made, or certain expenses incurred, with respect to the Mortgage Loans.

 

The Agreement permits, with certain exceptions therein provided, the amendment thereof and the modification of the rights and obligations of the Depositor, the Master Servicer, the Trust Administrator, Citibank, N.A., the Trustee and the rights of the Certificateholders, under the Agreement at any time by the Depositor, the Master Servicer, the Trust Administrator, Citibank, N.A. and the Trustee with the consent of the Holders of Certificates entitled to at least 66% of the Voting Rights. Any such consent by the Holder of this Certificate shall be conclusive and binding on such Holder and upon all future Holders of this Certificate and of any Certificate issued upon the transfer hereof or in exchange herefor or in lieu hereof whether or not notation of such consent is made upon this Certificate. The Agreement
also permits the amendment thereof, in certain limited circumstances, without the consent of the Holders of any of the Certificates.

 

As provided in the 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 Certificate Registrar as provided in the Agreement, duly endorsed by, or accompanied by an assignment in the form below or other written instrument of transfer in form satisfactory to 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 the same Class in authorized denominations evidencing the same aggregate Percentage Interest will be issued to the designated transferee or transferees.

 

The Certificates are issuable in fully registered form only without coupons in Classes and denominations representing Percentage Interests specified in the Agreement. As provided in the Agreement and subject to certain limitations therein set forth, the Certificates are exchangeable for new Certificates of the same Class in authorized denominations evidencing the same 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 of Certificates, but the Certificate Registrar may require payment of a sum sufficient to cover any tax or other governmental charge that may be imposed in connection with any transfer or exchange of Certificates.

 

The Depositor, the Master Servicer, the Trust Administrator, Citibank, N.A., the Trustee and any agent of the Depositor, the Master Servicer, the Trust Administrator, Citibank, N.A. or the Trustee may treat the Person in whose name this Certificate is registered as the owner hereof for all purposes, and none of the Depositor, the Master Servicer, the Trust Administrator, Citibank, N.A., the Trustee nor any such agent shall be affected by notice to the contrary.

 

The obligations created by the Agreement and the Trust Fund created thereby shall terminate upon payment to the Certificateholders of all amounts held by the Trustee and required to be paid to them pursuant to the Agreement following the earlier of (i) the final payment or other liquidation (or any advance with respect thereto) of the last Mortgage Loan and REO Property remaining in the Trust Fund and (ii) the purchase by the party designated in the Agreement at a price determined as provided in the Agreement from the Trust Fund of all the Mortgage Loans and all property acquired in respect of such Mortgage Loans. The Agreement permits, but does not require, the party designated in the Agreement to purchase from the Trust Fund all the Mortgage Loans in the Collateral Pool relating to this Certificate and all
property acquired in respect of any Mortgage Loan in such Collateral Pool at a price determined as provided in the Agreement. The exercise of such right will effect early retirement of the Certificates relating to such Collateral Pool; however, such right to purchase is subject to the aggregate Stated Principal Balance of the Mortgage Loans in such Collateral Pool at the time of purchase being less than 5% of the aggregate principal balance of the Mortgage Loans in such Collateral Pool as of the Cut-off Date.

 

The recitals contained herein shall be taken as statements of the Depositor, and the Trustee assumes no responsibility for their correctness.

 

Unless the certificate of authentication hereon has been executed by the Authenticating Agent, by manual signature, this Certificate shall not be entitled to any benefit under the Agreement or be valid for any purpose.

IN WITNESS WHEREOF, the Paying Agent has caused this Certificate to be duly executed.

 

Dated: October ___, 2006

 

	 	 	 	 	 	 	 	
CITIBANK, N.A., not in its individual

capacity, but solely as Paying Agent

	 	 	 	 	 	 	 	 	 	 	 	 	 	 
	 	 	 	 	 	 	 	 	 	 	 	 	 	 
	 	 	 	 	 	 	 	
By:
	 
	 	 	 	 	 	 	 	 	
Authorized Officer

CERTIFICATE OF AUTHENTICATION

 

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

 

	 	 	 	 	 	 	 	
CITIGROUP MORTGAGE LOAN TRUST

INC., MORTGAGE PASS THROUGH

CERTIFICATES, SERIES 2006-AR7

 

CITIBANK, N.A., not in its individual

capacity, but solely as Authenticating Agent

	 	 	 	 	 	 	 	 	 	 	 	 	 	 
	 	 	 	 	 	 	 	 	 	 	 	 	 	 
	 	 	 	 	 	 	 	
By:
	 
	 	 	 	 	 	 	 	 	
Authorized Officer

 

ABBREVIATIONS

 

The following abbreviations, when used in the inscription on the face of this instrument, shall be construed as though they were written out in full according to applicable laws or regulations:

 

	
TEN COM -
	
as tenants in common
	
UNIF GIFT MIN ACT - Custodian

	 	 	 	 
	
TEN ENT -
	
as tenants by the entireties
	
(Cust) (Minor) under

Uniform Gifts to Minors Act

	 	 	 	 
	
JT TEN -
	
as joint tenants with right of survivorship and not as tenants in common
	 	
State

Additional abbreviations may also be used though not in the above list.

 

ASSIGNMENT

 

FOR VALUE RECEIVED, the undersigned hereby sell(s), assign(s) and transfer(s) unto 

	 	 	 
	 	 	 

(Please print or typewrite name, address including postal zip code, and Taxpayer Identification Number of assignee) a Percentage Interest equal to ____% evidenced by the within Mortgage Pass-Through Certificates and hereby authorize(s) the registration of transfer of such interest to assignee on the Certificate Register of the Trust Fund.

 

I (we) further direct the Trustee to issue a new Certificate of a like Percentage Interest 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.
	 	 

 

EXHIBIT A-25

 

FORM OF CLASS 2-A3A CERTIFICATE

 

UNLESS THIS CERTIFICATE IS PRESENTED BY AN AUTHORIZED REPRESENTATIVE OF THE DEPOSITORY TRUST COMPANY, A NEW YORK CORPORATION (“DTC”), TO THE TRUSTEE 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.

 

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”).

 

	
Series 2006-AR7

 

Pass-Through Rate: Variable

 

Cut-off Date and date of Pooling and Servicing Agreement: October 1, 2006

 

First Distribution Date: November 25, 2006

 

No. 1
	
Aggregate Certificate Principal Balance of the Class 2-A3A Certificates as of the Issue Date: $112,910,000.00

 

Denomination: $112,910,000.00

 

Master Servicer: CitiMortgage, Inc.

 

Trust Administrator: CitiMortgage, Inc.

 

Certificate Registrar, Paying Agent and Authenticating Agent: Citibank, N.A.

 

Trustee: U.S. Bank National Association

 

Issue Date: October 31, 2006

 

CUSIP: 172987 AY 5

 

DISTRIBUTIONS IN REDUCTION OF THE CERTIFICATE PRINCIPAL BALANCE OF THIS CERTIFICATE MAY BE MADE MONTHLY AS SET FORTH HEREIN. ACCORDINGLY, THE OUTSTANDING CERTIFICATE PRINCIPAL BALANCE HEREOF AT ANY TIME MAY BE LESS THAN THE AMOUNT SHOWN ABOVE AS THE DENOMINATION OF THIS CERTIFICATE. 

 

MORTGAGE PASS-THROUGH CERTIFICATE

 

evidencing a beneficial ownership interest in a Trust Fund (the “Trust Fund”) consisting primarily of a pool of conventional one- to four-family, adjustable-rate and fixed-rate, first lien mortgage loans (the “Mortgage Loans”) formed and sold by

 

CITIGROUP MORTGAGE LOAN TRUST INC.

 

THIS CERTIFICATE DOES NOT REPRESENT AN OBLIGATION OF OR INTEREST IN CITIGROUP MORTGAGE LOAN TRUST INC., THE MASTER SERVICER, THE TRUST ADMINISTRATOR, CITIBANK, N.A., THE TRUSTEE OR ANY OF THEIR RESPECTIVE AFFILIATES. NEITHER THIS CERTIFICATE NOR THE UNDERLYING MORTGAGE LOANS ARE GUARANTEED BY ANY AGENCY OR INSTRUMENTALITY OF THE UNITED STATES.

 

This certifies that Cede & Co. is the registered owner of a Percentage Interest (obtained by dividing the denomination of this Certificate by the aggregate Certificate Principal Balance of the Class 2-A3A Certificates as of the Issue Date) in that certain beneficial ownership interest evidenced by all the Class 2-A3A Certificates in the Trust Fund created pursuant to a Pooling and Servicing Agreement, dated as specified above (the “Agreement”), among Citigroup Mortgage Loan Trust Inc. (hereinafter called the “Depositor,” which term includes any successor entity under the Agreement), the Master Servicer, the Trust Administrator, Citibank, N.A. and 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, distributions 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 (a “Distribution Date”), commencing on the First Distribution Date specified above, to the Person in whose name this Certificate is registered on the Record Date, in an amount equal to the product of the Percentage Interest evidenced by this Certificate and the amount
required to be distributed to the Holders of Class 2-A3A Certificates on such Distribution Date pursuant to the Agreement.

 

All distributions to the Holder of this Certificate under the Agreement will be made or caused to be made by the Paying Agent by wire transfer in immediately available funds to the account of the Person entitled thereto if such Person shall have so notified the Paying Agent in writing at least five Business Days prior to the Record Date immediately prior to such Distribution Date or otherwise by check mailed by first class mail to the address of the Person entitled thereto, as such name and address shall appear on the Certificate Register. Notwithstanding the above, the final distribution on this Certificate will be made after due notice by the Paying Agent of the pendency of such distribution and only upon presentation and surrender of this Certificate at the office or agency appointed by the Paying Agent for
that purpose as provided in the Agreement.

 

This Certificate is one of a duly authorized issue of Certificates designated as Mortgage Pass-Through Certificates of the Series specified on the face hereof (herein called the “Certificates”) and representing the Percentage Interest specified above in the Class of Certificates to which this Certificate belongs.

 

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. As provided in the Agreement, withdrawals from the Collection Account and the Distribution Account may be made from time to time for purposes other than distributions to Certificateholders, such purposes including reimbursement of advances made, or certain expenses incurred, with respect to the Mortgage Loans.

 

The Agreement permits, with certain exceptions therein provided, the amendment thereof and the modification of the rights and obligations of the Depositor, the Master Servicer, the Trust Administrator, Citibank, N.A., the Trustee and the rights of the Certificateholders, under the Agreement at any time by the Depositor, the Master Servicer, the Trust Administrator, Citibank, N.A. and the Trustee with the consent of the Holders of Certificates entitled to at least 66% of the Voting Rights. Any such consent by the Holder of this Certificate shall be conclusive and binding on such Holder and upon all future Holders of this Certificate and of any Certificate issued upon the transfer hereof or in exchange herefor or in lieu hereof whether or not notation of such consent is made upon this Certificate. The Agreement
also permits the amendment thereof, in certain limited circumstances, without the consent of the Holders of any of the Certificates.

 

As provided in the 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 Certificate Registrar as provided in the Agreement, duly endorsed by, or accompanied by an assignment in the form below or other written instrument of transfer in form satisfactory to 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 the same Class in authorized denominations evidencing the same aggregate Percentage Interest will be issued to the designated transferee or transferees.

 

The Certificates are issuable in fully registered form only without coupons in Classes and denominations representing Percentage Interests specified in the Agreement. As provided in the Agreement and subject to certain limitations therein set forth, the Certificates are exchangeable for new Certificates of the same Class in authorized denominations evidencing the same 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 of Certificates, but the Certificate Registrar may require payment of a sum sufficient to cover any tax or other governmental charge that may be imposed in connection with any transfer or exchange of Certificates.

 

The Depositor, the Master Servicer, the Trust Administrator, Citibank, N.A., the Trustee and any agent of the Depositor, the Master Servicer, the Trust Administrator, Citibank, N.A. or the Trustee may treat the Person in whose name this Certificate is registered as the owner hereof for all purposes, and none of the Depositor, the Master Servicer, the Trust Administrator, Citibank, N.A., the Trustee nor any such agent shall be affected by notice to the contrary.

 

The obligations created by the Agreement and the Trust Fund created thereby shall terminate upon payment to the Certificateholders of all amounts held by the Trustee and required to be paid to them pursuant to the Agreement following the earlier of (i) the final payment or other liquidation (or any advance with respect thereto) of the last Mortgage Loan and REO Property remaining in the Trust Fund and (ii) the purchase by the party designated in the Agreement at a price determined as provided in the Agreement from the Trust Fund of all the Mortgage Loans and all property acquired in respect of such Mortgage Loans. The Agreement permits, but does not require, the party designated in the Agreement to purchase from the Trust Fund all the Mortgage Loans in the Collateral Pool relating to this Certificate and all
property acquired in respect of any Mortgage Loan in such Collateral Pool at a price determined as provided in the Agreement. The exercise of such right will effect early retirement of the Certificates relating to such Collateral Pool; however, such right to purchase is subject to the aggregate Stated Principal Balance of the Mortgage Loans in such Collateral Pool at the time of purchase being less than 5% of the aggregate principal balance of the Mortgage Loans in such Collateral Pool as of the Cut-off Date.

 

The recitals contained herein shall be taken as statements of the Depositor, and the Trustee assumes no responsibility for their correctness.

 

Unless the certificate of authentication hereon has been executed by the Authenticating Agent, by manual signature, this Certificate shall not be entitled to any benefit under the Agreement or be valid for any purpose.

IN WITNESS WHEREOF, the Paying Agent has caused this Certificate to be duly executed.

 

Dated: October ___, 2006

 

	 	 	 	 	 	 	 	
CITIBANK, N.A., not in its individual

capacity, but solely as Paying Agent

	 	 	 	 	 	 	 	 	 	 	 	 	 	 
	 	 	 	 	 	 	 	 	 	 	 	 	 	 
	 	 	 	 	 	 	 	
By:
	 
	 	 	 	 	 	 	 	 	
Authorized Officer

CERTIFICATE OF AUTHENTICATION

 

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

 

	 	 	 	 	 	 	 	
CITIGROUP MORTGAGE LOAN TRUST

INC., MORTGAGE PASS THROUGH

CERTIFICATES, SERIES 2006-AR7

 

CITIBANK, N.A., not in its individual

capacity, but solely as Authenticating Agent

	 	 	 	 	 	 	 	 	 	 	 	 	 	 
	 	 	 	 	 	 	 	 	 	 	 	 	 	 
	 	 	 	 	 	 	 	
By:
	 
	 	 	 	 	 	 	 	 	
Authorized Officer

 

ABBREVIATIONS

 

The following abbreviations, when used in the inscription on the face of this instrument, shall be construed as though they were written out in full according to applicable laws or regulations:

 

	
TEN COM -
	
as tenants in common
	
UNIF GIFT MIN ACT - Custodian

	 	 	 	 
	
TEN ENT -
	
as tenants by the entireties
	
(Cust) (Minor) under

Uniform Gifts to Minors Act

	 	 	 	 
	
JT TEN -
	
as joint tenants with right of survivorship and not as tenants in common
	 	
State

Additional abbreviations may also be used though not in the above list.

 

ASSIGNMENT

 

FOR VALUE RECEIVED, the undersigned hereby sell(s), assign(s) and transfer(s) unto 

	 	 	 
	 	 	 

(Please print or typewrite name, address including postal zip code, and Taxpayer Identification Number of assignee) a Percentage Interest equal to ____% evidenced by the within Mortgage Pass-Through Certificates and hereby authorize(s) the registration of transfer of such interest to assignee on the Certificate Register of the Trust Fund.

 

I (we) further direct the Trustee to issue a new Certificate of a like Percentage Interest 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.
	 	 

 

EXHIBIT A-26

 

FORM OF CLASS 2-A3B CERTIFICATE

 

UNLESS THIS CERTIFICATE IS PRESENTED BY AN AUTHORIZED REPRESENTATIVE OF THE DEPOSITORY TRUST COMPANY, A NEW YORK CORPORATION (“DTC”), TO THE TRUSTEE 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.

 

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”).

 

	
Series 2006-AR7

 

Pass-Through Rate: Variable

 

Cut-off Date and date of Pooling and Servicing Agreement: October 1, 2006

 

First Distribution Date: November 25, 2006

 

No. 1
	
Aggregate Certificate Principal Balance of the Class 2-A3B Certificates as of the Issue Date: $7,554,000.00

 

Denomination: $7,554,000.00

 

Master Servicer: CitiMortgage, Inc.

 

Trust Administrator: CitiMortgage, Inc.

 

Certificate Registrar, Paying Agent and Authenticating Agent: Citibank, N.A.

 

Trustee: U.S. Bank National Association

 

Issue Date: October 31, 2006

 

CUSIP: 172987 AZ 2

 

DISTRIBUTIONS IN REDUCTION OF THE CERTIFICATE PRINCIPAL BALANCE OF THIS CERTIFICATE MAY BE MADE MONTHLY AS SET FORTH HEREIN. ACCORDINGLY, THE OUTSTANDING CERTIFICATE PRINCIPAL BALANCE HEREOF AT ANY TIME MAY BE LESS THAN THE AMOUNT SHOWN ABOVE AS THE DENOMINATION OF THIS CERTIFICATE. 

 

MORTGAGE PASS-THROUGH CERTIFICATE

 

evidencing a beneficial ownership interest in a Trust Fund (the “Trust Fund”) consisting primarily of a pool of conventional one- to four-family, adjustable-rate and fixed-rate, first lien mortgage loans (the “Mortgage Loans”) formed and sold by

 

CITIGROUP MORTGAGE LOAN TRUST INC.

 

THIS CERTIFICATE DOES NOT REPRESENT AN OBLIGATION OF OR INTEREST IN CITIGROUP MORTGAGE LOAN TRUST INC., THE MASTER SERVICER, THE TRUST ADMINISTRATOR, CITIBANK, N.A., THE TRUSTEE OR ANY OF THEIR RESPECTIVE AFFILIATES. NEITHER THIS CERTIFICATE NOR THE UNDERLYING MORTGAGE LOANS ARE GUARANTEED BY ANY AGENCY OR INSTRUMENTALITY OF THE UNITED STATES.

 

This certifies that Cede & Co. is the registered owner of a Percentage Interest (obtained by dividing the denomination of this Certificate by the aggregate Certificate Principal Balance of the Class 2-A3B Certificates as of the Issue Date) in that certain beneficial ownership interest evidenced by all the Class 2-A3B Certificates in the Trust Fund created pursuant to a Pooling and Servicing Agreement, dated as specified above (the “Agreement”), among Citigroup Mortgage Loan Trust Inc. (hereinafter called the “Depositor,” which term includes any successor entity under the Agreement), the Master Servicer, the Trust Administrator, Citibank, N.A. and 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, distributions 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 (a “Distribution Date”), commencing on the First Distribution Date specified above, to the Person in whose name this Certificate is registered on the Record Date, in an amount equal to the product of the Percentage Interest evidenced by this Certificate and the amount
required to be distributed to the Holders of Class 2-A3B Certificates on such Distribution Date pursuant to the Agreement.

 

All distributions to the Holder of this Certificate under the Agreement will be made or caused to be made by the Paying Agent by wire transfer in immediately available funds to the account of the Person entitled thereto if such Person shall have so notified the Paying Agent in writing at least five Business Days prior to the Record Date immediately prior to such Distribution Date or otherwise by check mailed by first class mail to the address of the Person entitled thereto, as such name and address shall appear on the Certificate Register. Notwithstanding the above, the final distribution on this Certificate will be made after due notice by the Paying Agent of the pendency of such distribution and only upon presentation and surrender of this Certificate at the office or agency appointed by the Paying Agent for
that purpose as provided in the Agreement.

 

This Certificate is one of a duly authorized issue of Certificates designated as Mortgage Pass-Through Certificates of the Series specified on the face hereof (herein called the “Certificates”) and representing the Percentage Interest specified above in the Class of Certificates to which this Certificate belongs.

 

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. As provided in the Agreement, withdrawals from the Collection Account and the Distribution Account may be made from time to time for purposes other than distributions to Certificateholders, such purposes including reimbursement of advances made, or certain expenses incurred, with respect to the Mortgage Loans.

 

The Agreement permits, with certain exceptions therein provided, the amendment thereof and the modification of the rights and obligations of the Depositor, the Master Servicer, the Trust Administrator, Citibank, N.A., the Trustee and the rights of the Certificateholders, under the Agreement at any time by the Depositor, the Master Servicer, the Trust Administrator, Citibank, N.A. and the Trustee with the consent of the Holders of Certificates entitled to at least 66% of the Voting Rights. Any such consent by the Holder of this Certificate shall be conclusive and binding on such Holder and upon all future Holders of this Certificate and of any Certificate issued upon the transfer hereof or in exchange herefor or in lieu hereof whether or not notation of such consent is made upon this Certificate. The Agreement
also permits the amendment thereof, in certain limited circumstances, without the consent of the Holders of any of the Certificates.

 

As provided in the 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 Certificate Registrar as provided in the Agreement, duly endorsed by, or accompanied by an assignment in the form below or other written instrument of transfer in form satisfactory to 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 the same Class in authorized denominations evidencing the same aggregate Percentage Interest will be issued to the designated transferee or transferees.

 

The Certificates are issuable in fully registered form only without coupons in Classes and denominations representing Percentage Interests specified in the Agreement. As provided in the Agreement and subject to certain limitations therein set forth, the Certificates are exchangeable for new Certificates of the same Class in authorized denominations evidencing the same 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 of Certificates, but the Certificate Registrar may require payment of a sum sufficient to cover any tax or other governmental charge that may be imposed in connection with any transfer or exchange of Certificates.

 

The Depositor, the Master Servicer, the Trust Administrator, Citibank, N.A., the Trustee and any agent of the Depositor, the Master Servicer, the Trust Administrator, Citibank, N.A. or the Trustee may treat the Person in whose name this Certificate is registered as the owner hereof for all purposes, and none of the Depositor, the Master Servicer, the Trust Administrator, Citibank, N.A., the Trustee nor any such agent shall be affected by notice to the contrary.

 

The obligations created by the Agreement and the Trust Fund created thereby shall terminate upon payment to the Certificateholders of all amounts held by the Trustee and required to be paid to them pursuant to the Agreement following the earlier of (i) the final payment or other liquidation (or any advance with respect thereto) of the last Mortgage Loan and REO Property remaining in the Trust Fund and (ii) the purchase by the party designated in the Agreement at a price determined as provided in the Agreement from the Trust Fund of all the Mortgage Loans and all property acquired in respect of such Mortgage Loans. The Agreement permits, but does not require, the party designated in the Agreement to purchase from the Trust Fund all the Mortgage Loans in the Collateral Pool relating to this Certificate and all
property acquired in respect of any Mortgage Loan in such Collateral Pool at a price determined as provided in the Agreement. The exercise of such right will effect early retirement of the Certificates relating to such Collateral Pool; however, such right to purchase is subject to the aggregate Stated Principal Balance of the Mortgage Loans in such Collateral Pool at the time of purchase being less than 5% of the aggregate principal balance of the Mortgage Loans in such Collateral Pool as of the Cut-off Date.

 

The recitals contained herein shall be taken as statements of the Depositor, and the Trustee assumes no responsibility for their correctness.

 

Unless the certificate of authentication hereon has been executed by the Authenticating Agent, by manual signature, this Certificate shall not be entitled to any benefit under the Agreement or be valid for any purpose.

IN WITNESS WHEREOF, the Paying Agent has caused this Certificate to be duly executed.

 

Dated: October ___, 2006

 

	 	 	 	 	 	 	 	
CITIBANK, N.A., not in its individual

capacity, but solely as Paying Agent

	 	 	 	 	 	 	 	 	 	 	 	 	 	 
	 	 	 	 	 	 	 	 	 	 	 	 	 	 
	 	 	 	 	 	 	 	
By:
	 
	 	 	 	 	 	 	 	 	
Authorized Officer

CERTIFICATE OF AUTHENTICATION

 

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

 

	 	 	 	 	 	 	 	
CITIGROUP MORTGAGE LOAN TRUST

INC., MORTGAGE PASS THROUGH

CERTIFICATES, SERIES 2006-AR7

 

CITIBANK, N.A., not in its individual

capacity, but solely as Authenticating Agent

	 	 	 	 	 	 	 	 	 	 	 	 	 	 
	 	 	 	 	 	 	 	 	 	 	 	 	 	 
	 	 	 	 	 	 	 	
By:
	 
	 	 	 	 	 	 	 	 	
Authorized Officer

 

ABBREVIATIONS

 

The following abbreviations, when used in the inscription on the face of this instrument, shall be construed as though they were written out in full according to applicable laws or regulations:

 

	
TEN COM -
	
as tenants in common
	
UNIF GIFT MIN ACT - Custodian

	 	 	 	 
	
TEN ENT -
	
as tenants by the entireties
	
(Cust) (Minor) under

Uniform Gifts to Minors Act

	 	 	 	 
	
JT TEN -
	
as joint tenants with right of survivorship and not as tenants in common
	 	
State

Additional abbreviations may also be used though not in the above list.

 

ASSIGNMENT

 

FOR VALUE RECEIVED, the undersigned hereby sell(s), assign(s) and transfer(s) unto 

	 	 	 
	 	 	 

(Please print or typewrite name, address including postal zip code, and Taxpayer Identification Number of assignee) a Percentage Interest equal to ____% evidenced by the within Mortgage Pass-Through Certificates and hereby authorize(s) the registration of transfer of such interest to assignee on the Certificate Register of the Trust Fund.

 

I (we) further direct the Trustee to issue a new Certificate of a like Percentage Interest 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.
	 	 

EXHIBIT A-27

 

FORM OF CLASS 2-3IO CERTIFICATE

 

UNLESS THIS CERTIFICATE IS PRESENTED BY AN AUTHORIZED REPRESENTATIVE OF THE DEPOSITORY TRUST COMPANY, A NEW YORK CORPORATION (“DTC”), TO THE TRUSTEE 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.

 

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”).

 

	
Series 2006-AR7

 

Pass-Through Rate: 0.710% per annum

 

Cut-off Date and date of Pooling and Servicing Agreement: October 1, 2006

 

First Distribution Date: November 25, 2006

 

No. 1
	
Aggregate Notional Amount of the Class 2-3IO Certificates as of the Issue Date: $120,464,000.00

 

Denomination: $120,464,000.00

 

Master Servicer: CitiMortgage, Inc.

 

Trust Administrator: CitiMortgage, Inc.

 

Certificate Registrar, Paying Agent and Authenticating Agent: Citibank, N.A.

 

Trustee: U.S. Bank National Association

 

Issue Date: October 31, 2006

 

CUSIP: 172987 BE 8

 

THE NOTIONAL AMOUNT OF THIS CERTIFICATE WILL DECLINE MONTHLY. ACCORDINGLY, THE OUTSTANDING NOTIONAL AMOUNT HEREOF AT ANY TIME MAY BE LESS THAN THE AMOUNT SHOWN ABOVE AS THE DENOMINATION OF THIS CERTIFICATE.

 

MORTGAGE PASS-THROUGH CERTIFICATE

 

evidencing a beneficial ownership interest in a Trust Fund (the “Trust Fund”) consisting primarily of a pool of conventional one- to four-family, adjustable-rate and fixed-rate, first lien mortgage loans (the “Mortgage Loans”) formed and sold by

 

CITIGROUP MORTGAGE LOAN TRUST INC.

 

THIS CERTIFICATE DOES NOT REPRESENT AN OBLIGATION OF OR INTEREST IN CITIGROUP MORTGAGE LOAN TRUST INC., THE MASTER SERVICER, THE TRUST ADMINISTRATOR, CITIBANK, N.A., THE TRUSTEE OR ANY OF THEIR RESPECTIVE AFFILIATES. NEITHER THIS CERTIFICATE NOR THE UNDERLYING MORTGAGE LOANS ARE GUARANTEED BY ANY AGENCY OR INSTRUMENTALITY OF THE UNITED STATES.

 

This certifies that Cede & Co. is the registered owner of a Percentage Interest (obtained by dividing the denomination of this Certificate by the aggregate Notional Amount of the Class 2-3IO Certificates as of the Issue Date) in that certain beneficial ownership interest evidenced by all the Class 2-3IO Certificates in the Trust Fund created pursuant to a Pooling and Servicing Agreement, dated as specified above (the “Agreement”), among Citigroup Mortgage Loan Trust Inc. (hereinafter called the “Depositor,” which term includes any successor entity under the Agreement), the Master Servicer, the Trust Administrator, Citibank, N.A. and 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, distributions 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 (a “Distribution Date”), commencing on the First Distribution Date specified above, to the Person in whose name this Certificate is registered on the Record Date, in an amount equal to the product of the Percentage Interest evidenced by this Certificate and the amount
required to be distributed to the Holders of Class 2-3IO Certificates on such Distribution Date pursuant to the Agreement.

 

All distributions to the Holder of this Certificate under the Agreement will be made or caused to be made by the Paying Agent by wire transfer in immediately available funds to the account of the Person entitled thereto if such Person shall have so notified the Paying Agent in writing at least five Business Days prior to the Record Date immediately prior to such Distribution Date or otherwise by check mailed by first class mail to the address of the Person entitled thereto, as such name and address shall appear on the Certificate Register. Notwithstanding the above, the final distribution on this Certificate will be made after due notice by the Paying Agent of the pendency of such distribution and only upon presentation and surrender of this Certificate at the office or agency appointed by the Paying Agent for
that purpose as provided in the Agreement.

 

This Certificate is one of a duly authorized issue of Certificates designated as Mortgage Pass-Through Certificates of the Series specified on the face hereof (herein called the “Certificates”) and representing the Percentage Interest specified above in the Class of Certificates to which this Certificate belongs.

 

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. As provided in the Agreement, withdrawals from the Collection Account and the Distribution Account may be made from time to time for purposes other than distributions to Certificateholders, such purposes including reimbursement of advances made, or certain expenses incurred, with respect to the Mortgage Loans.

 

The Agreement permits, with certain exceptions therein provided, the amendment thereof and the modification of the rights and obligations of the Depositor, the Master Servicer, the Trust Administrator, Citibank, N.A., the Trustee and the rights of the Certificateholders, under the Agreement at any time by the Depositor, the Master Servicer, the Trust Administrator, Citibank, N.A. and the Trustee with the consent of the Holders of Certificates entitled to at least 66% of the Voting Rights. Any such consent by the Holder of this Certificate shall be conclusive and binding on such Holder and upon all future Holders of this Certificate and of any Certificate issued upon the transfer hereof or in exchange herefor or in lieu hereof whether or not notation of such consent is made upon this Certificate. The Agreement
also permits the amendment thereof, in certain limited circumstances, without the consent of the Holders of any of the Certificates.

 

As provided in the 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 Certificate Registrar as provided in the Agreement, duly endorsed by, or accompanied by an assignment in the form below or other written instrument of transfer in form satisfactory to 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 the same Class in authorized denominations evidencing the same aggregate Percentage Interest will be issued to the designated transferee or transferees.

 

The Certificates are issuable in fully registered form only without coupons in Classes and denominations representing Percentage Interests specified in the Agreement. As provided in the Agreement and subject to certain limitations therein set forth, the Certificates are exchangeable for new Certificates of the same Class in authorized denominations evidencing the same 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 of Certificates, but the Certificate Registrar may require payment of a sum sufficient to cover any tax or other governmental charge that may be imposed in connection with any transfer or exchange of Certificates.

 

The Depositor, the Master Servicer, the Trust Administrator, Citibank, N.A., the Trustee and any agent of the Depositor, the Master Servicer, the Trust Administrator, Citibank, N.A. or the Trustee may treat the Person in whose name this Certificate is registered as the owner hereof for all purposes, and none of the Depositor, the Master Servicer, the Trust Administrator, Citibank, N.A., the Trustee nor any such agent shall be affected by notice to the contrary.

 

The obligations created by the Agreement and the Trust Fund created thereby shall terminate upon payment to the Certificateholders of all amounts held by the Trustee and required to be paid to them pursuant to the Agreement following the earlier of (i) the final payment or other liquidation (or any advance with respect thereto) of the last Mortgage Loan and REO Property remaining in the Trust Fund and (ii) the purchase by the party designated in the Agreement at a price determined as provided in the Agreement from the Trust Fund of all the Mortgage Loans and all property acquired in respect of such Mortgage Loans. The Agreement permits, but does not require, the party designated in the Agreement to purchase from the Trust Fund all the Mortgage Loans in the Collateral Pool relating to this Certificate and all
property acquired in respect of any Mortgage Loan in such Collateral Pool at a price determined as provided in the Agreement. The exercise of such right will effect early retirement of the Certificates relating to such Collateral Pool; however, such right to purchase is subject to the aggregate Stated Principal Balance of the Mortgage Loans in such Collateral Pool at the time of purchase being less than 5% of the aggregate principal balance of the Mortgage Loans in such Collateral Pool as of the Cut-off Date.

 

The recitals contained herein shall be taken as statements of the Depositor, and the Trustee assumes no responsibility for their correctness.

 

Unless the certificate of authentication hereon has been executed by the Authenticating Agent, by manual signature, this Certificate shall not be entitled to any benefit under the Agreement or be valid for any purpose.

IN WITNESS WHEREOF, the Paying Agent has caused this Certificate to be duly executed.

 

Dated: October ___, 2006

 

	 	 	 	 	 	 	 	
CITIBANK, N.A., not in its individual

capacity, but solely as Paying Agent

	 	 	 	 	 	 	 	 	 	 	 	 	 	 
	 	 	 	 	 	 	 	 	 	 	 	 	 	 
	 	 	 	 	 	 	 	
By:
	 
	 	 	 	 	 	 	 	 	
Authorized Officer

CERTIFICATE OF AUTHENTICATION

 

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

 

	 	 	 	 	 	 	 	
CITIGROUP MORTGAGE LOAN TRUST

INC., MORTGAGE PASS THROUGH

CERTIFICATES, SERIES 2006-AR7

 

CITIBANK, N.A., not in its individual

capacity, but solely as Authenticating Agent

	 	 	 	 	 	 	 	 	 	 	 	 	 	 
	 	 	 	 	 	 	 	 	 	 	 	 	 	 
	 	 	 	 	 	 	 	
By:
	 
	 	 	 	 	 	 	 	 	
Authorized Officer

 

ABBREVIATIONS

 

The following abbreviations, when used in the inscription on the face of this instrument, shall be construed as though they were written out in full according to applicable laws or regulations:

 

	
TEN COM -
	
as tenants in common
	
UNIF GIFT MIN ACT - Custodian

	 	 	 	 
	
TEN ENT -
	
as tenants by the entireties
	
(Cust) (Minor) under

Uniform Gifts to Minors Act

	 	 	 	 
	
JT TEN -
	
as joint tenants with right of survivorship and not as tenants in common
	 	
State

Additional abbreviations may also be used though not in the above list.

 

ASSIGNMENT

 

FOR VALUE RECEIVED, the undersigned hereby sell(s), assign(s) and transfer(s) unto 

	 	 	 
	 	 	 

(Please print or typewrite name, address including postal zip code, and Taxpayer Identification Number of assignee) a Percentage Interest equal to ____% evidenced by the within Mortgage Pass-Through Certificates and hereby authorize(s) the registration of transfer of such interest to assignee on the Certificate Register of the Trust Fund.

 

I (we) further direct the Trustee to issue a new Certificate of a like Percentage Interest 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.
	 	 

EXHIBIT A-28

 

FORM OF CLASS 2-A4A CERTIFICATE

 

UNLESS THIS CERTIFICATE IS PRESENTED BY AN AUTHORIZED REPRESENTATIVE OF THE DEPOSITORY TRUST COMPANY, A NEW YORK CORPORATION (“DTC”), TO THE TRUSTEE 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.

 

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”).

 

	
Series 2006-AR7

 

Pass-Through Rate: Variable

 

Cut-off Date and date of Pooling and Servicing Agreement: October 1, 2006

 

First Distribution Date: November 25, 2006

 

No. 1
	
Aggregate Certificate Principal Balance of the Class 2-A4A Certificates as of the Issue Date: $74,533,000.00

 

Denomination: $74,533,000.00

 

Master Servicer: CitiMortgage, Inc.

 

Trust Administrator: CitiMortgage, Inc.

 

Certificate Registrar, Paying Agent and Authenticating Agent: Citibank, N.A.

 

Trustee: U.S. Bank National Association

 

Issue Date: October 31, 2006

 

CUSIP: 172987 BA 6

 

DISTRIBUTIONS IN REDUCTION OF THE CERTIFICATE PRINCIPAL BALANCE OF THIS CERTIFICATE MAY BE MADE MONTHLY AS SET FORTH HEREIN. ACCORDINGLY, THE OUTSTANDING CERTIFICATE PRINCIPAL BALANCE HEREOF AT ANY TIME MAY BE LESS THAN THE AMOUNT SHOWN ABOVE AS THE DENOMINATION OF THIS CERTIFICATE. 

 

MORTGAGE PASS-THROUGH CERTIFICATE

 

evidencing a beneficial ownership interest in a Trust Fund (the “Trust Fund”) consisting primarily of a pool of conventional one- to four-family, adjustable-rate and fixed-rate, first lien mortgage loans (the “Mortgage Loans”) formed and sold by

 

CITIGROUP MORTGAGE LOAN TRUST INC.

 

THIS CERTIFICATE DOES NOT REPRESENT AN OBLIGATION OF OR INTEREST IN CITIGROUP MORTGAGE LOAN TRUST INC., THE MASTER SERVICER, THE TRUST ADMINISTRATOR, CITIBANK, N.A., THE TRUSTEE OR ANY OF THEIR RESPECTIVE AFFILIATES. NEITHER THIS CERTIFICATE NOR THE UNDERLYING MORTGAGE LOANS ARE GUARANTEED BY ANY AGENCY OR INSTRUMENTALITY OF THE UNITED STATES.

 

This certifies that Cede & Co. is the registered owner of a Percentage Interest (obtained by dividing the denomination of this Certificate by the aggregate Certificate Principal Balance of the Class 2-A4A Certificates as of the Issue Date) in that certain beneficial ownership interest evidenced by all the Class 2-A4A Certificates in the Trust Fund created pursuant to a Pooling and Servicing Agreement, dated as specified above (the “Agreement”), among Citigroup Mortgage Loan Trust Inc. (hereinafter called the “Depositor,” which term includes any successor entity under the Agreement), the Master Servicer, the Trust Administrator, Citibank, N.A. and 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, distributions 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 (a “Distribution Date”), commencing on the First Distribution Date specified above, to the Person in whose name this Certificate is registered on the Record Date, in an amount equal to the product of the Percentage Interest evidenced by this Certificate and the amount
required to be distributed to the Holders of Class 2-A4A Certificates on such Distribution Date pursuant to the Agreement.

 

All distributions to the Holder of this Certificate under the Agreement will be made or caused to be made by the Paying Agent by wire transfer in immediately available funds to the account of the Person entitled thereto if such Person shall have so notified the Paying Agent in writing at least five Business Days prior to the Record Date immediately prior to such Distribution Date or otherwise by check mailed by first class mail to the address of the Person entitled thereto, as such name and address shall appear on the Certificate Register. Notwithstanding the above, the final distribution on this Certificate will be made after due notice by the Paying Agent of the pendency of such distribution and only upon presentation and surrender of this Certificate at the office or agency appointed by the Paying Agent for
that purpose as provided in the Agreement.

 

This Certificate is one of a duly authorized issue of Certificates designated as Mortgage Pass-Through Certificates of the Series specified on the face hereof (herein called the “Certificates”) and representing the Percentage Interest specified above in the Class of Certificates to which this Certificate belongs.

 

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. As provided in the Agreement, withdrawals from the Collection Account and the Distribution Account may be made from time to time for purposes other than distributions to Certificateholders, such purposes including reimbursement of advances made, or certain expenses incurred, with respect to the Mortgage Loans.

 

The Agreement permits, with certain exceptions therein provided, the amendment thereof and the modification of the rights and obligations of the Depositor, the Master Servicer, the Trust Administrator, Citibank, N.A., the Trustee and the rights of the Certificateholders, under the Agreement at any time by the Depositor, the Master Servicer, the Trust Administrator, Citibank, N.A. and the Trustee with the consent of the Holders of Certificates entitled to at least 66% of the Voting Rights. Any such consent by the Holder of this Certificate shall be conclusive and binding on such Holder and upon all future Holders of this Certificate and of any Certificate issued upon the transfer hereof or in exchange herefor or in lieu hereof whether or not notation of such consent is made upon this Certificate. The Agreement
also permits the amendment thereof, in certain limited circumstances, without the consent of the Holders of any of the Certificates.

 

As provided in the 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 Certificate Registrar as provided in the Agreement, duly endorsed by, or accompanied by an assignment in the form below or other written instrument of transfer in form satisfactory to 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 the same Class in authorized denominations evidencing the same aggregate Percentage Interest will be issued to the designated transferee or transferees.

 

The Certificates are issuable in fully registered form only without coupons in Classes and denominations representing Percentage Interests specified in the Agreement. As provided in the Agreement and subject to certain limitations therein set forth, the Certificates are exchangeable for new Certificates of the same Class in authorized denominations evidencing the same 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 of Certificates, but the Certificate Registrar may require payment of a sum sufficient to cover any tax or other governmental charge that may be imposed in connection with any transfer or exchange of Certificates.

 

The Depositor, the Master Servicer, the Trust Administrator, Citibank, N.A., the Trustee and any agent of the Depositor, the Master Servicer, the Trust Administrator, Citibank, N.A. or the Trustee may treat the Person in whose name this Certificate is registered as the owner hereof for all purposes, and none of the Depositor, the Master Servicer, the Trust Administrator, Citibank, N.A., the Trustee nor any such agent shall be affected by notice to the contrary.

 

The obligations created by the Agreement and the Trust Fund created thereby shall terminate upon payment to the Certificateholders of all amounts held by the Trustee and required to be paid to them pursuant to the Agreement following the earlier of (i) the final payment or other liquidation (or any advance with respect thereto) of the last Mortgage Loan and REO Property remaining in the Trust Fund and (ii) the purchase by the party designated in the Agreement at a price determined as provided in the Agreement from the Trust Fund of all the Mortgage Loans and all property acquired in respect of such Mortgage Loans. The Agreement permits, but does not require, the party designated in the Agreement to purchase from the Trust Fund all the Mortgage Loans in the Collateral Pool relating to this Certificate and all
property acquired in respect of any Mortgage Loan in such Collateral Pool at a price determined as provided in the Agreement. The exercise of such right will effect early retirement of the Certificates relating to such Collateral Pool; however, such right to purchase is subject to the aggregate Stated Principal Balance of the Mortgage Loans in such Collateral Pool at the time of purchase being less than 5% of the aggregate principal balance of the Mortgage Loans in such Collateral Pool as of the Cut-off Date.

 

The recitals contained herein shall be taken as statements of the Depositor, and the Trustee assumes no responsibility for their correctness.

 

Unless the certificate of authentication hereon has been executed by the Authenticating Agent, by manual signature, this Certificate shall not be entitled to any benefit under the Agreement or be valid for any purpose.

IN WITNESS WHEREOF, the Paying Agent has caused this Certificate to be duly executed.

 

Dated: October ___, 2006

 

	 	 	 	 	 	 	 	
CITIBANK, N.A., not in its individual

capacity, but solely as Paying Agent

	 	 	 	 	 	 	 	 	 	 	 	 	 	 
	 	 	 	 	 	 	 	 	 	 	 	 	 	 
	 	 	 	 	 	 	 	
By:
	 
	 	 	 	 	 	 	 	 	
Authorized Officer

CERTIFICATE OF AUTHENTICATION

 

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

 

	 	 	 	 	 	 	 	
CITIGROUP MORTGAGE LOAN TRUST

INC., MORTGAGE PASS THROUGH

CERTIFICATES, SERIES 2006-AR7

 

CITIBANK, N.A., not in its individual

capacity, but solely as Authenticating Agent

	 	 	 	 	 	 	 	 	 	 	 	 	 	 
	 	 	 	 	 	 	 	 	 	 	 	 	 	 
	 	 	 	 	 	 	 	
By:
	 
	 	 	 	 	 	 	 	 	
Authorized Officer

 

ABBREVIATIONS

 

The following abbreviations, when used in the inscription on the face of this instrument, shall be construed as though they were written out in full according to applicable laws or regulations:

 

	
TEN COM -
	
as tenants in common
	
UNIF GIFT MIN ACT - Custodian

	 	 	 	 
	
TEN ENT -
	
as tenants by the entireties
	
(Cust) (Minor) under

Uniform Gifts to Minors Act

	 	 	 	 
	
JT TEN -
	
as joint tenants with right of survivorship and not as tenants in common
	 	
State

Additional abbreviations may also be used though not in the above list.

 

ASSIGNMENT

 

FOR VALUE RECEIVED, the undersigned hereby sell(s), assign(s) and transfer(s) unto 

	 	 	 
	 	 	 

(Please print or typewrite name, address including postal zip code, and Taxpayer Identification Number of assignee) a Percentage Interest equal to ____% evidenced by the within Mortgage Pass-Through Certificates and hereby authorize(s) the registration of transfer of such interest to assignee on the Certificate Register of the Trust Fund.

 

I (we) further direct the Trustee to issue a new Certificate of a like Percentage Interest 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.
	 	 

 

 

EXHIBIT A-29

 

FORM OF CLASS 2-A4B CERTIFICATE

 

UNLESS THIS CERTIFICATE IS PRESENTED BY AN AUTHORIZED REPRESENTATIVE OF THE DEPOSITORY TRUST COMPANY, A NEW YORK CORPORATION (“DTC”), TO THE TRUSTEE 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.

 

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”).

 

	
Series 2006-AR7

 

Pass-Through Rate: Variable

 

Cut-off Date and date of Pooling and Servicing Agreement: October 1, 2006

 

First Distribution Date: November 25, 2006

 

No. 1
	
Aggregate Certificate Principal Balance of the Class 2-A4B Certificates as of the Issue Date: $4,986,000.00

 

Denomination: $4,986,000.00

 

Master Servicer: CitiMortgage, Inc.

 

Trust Administrator: CitiMortgage, Inc.

 

Certificate Registrar, Paying Agent and Authenticating Agent: Citibank, N.A.

 

Trustee: U.S. Bank National Association

 

Issue Date: October 31, 2006

 

CUSIP: 172987 BB 4

 

DISTRIBUTIONS IN REDUCTION OF THE CERTIFICATE PRINCIPAL BALANCE OF THIS CERTIFICATE MAY BE MADE MONTHLY AS SET FORTH HEREIN. ACCORDINGLY, THE OUTSTANDING CERTIFICATE PRINCIPAL BALANCE HEREOF AT ANY TIME MAY BE LESS THAN THE AMOUNT SHOWN ABOVE AS THE DENOMINATION OF THIS CERTIFICATE. 

 

MORTGAGE PASS-THROUGH CERTIFICATE

 

evidencing a beneficial ownership interest in a Trust Fund (the “Trust Fund”) consisting primarily of a pool of conventional one- to four-family, adjustable-rate and fixed-rate, first lien mortgage loans (the “Mortgage Loans”) formed and sold by

 

CITIGROUP MORTGAGE LOAN TRUST INC.

 

THIS CERTIFICATE DOES NOT REPRESENT AN OBLIGATION OF OR INTEREST IN CITIGROUP MORTGAGE LOAN TRUST INC., THE MASTER SERVICER, THE TRUST ADMINISTRATOR, CITIBANK, N.A., THE TRUSTEE OR ANY OF THEIR RESPECTIVE AFFILIATES. NEITHER THIS CERTIFICATE NOR THE UNDERLYING MORTGAGE LOANS ARE GUARANTEED BY ANY AGENCY OR INSTRUMENTALITY OF THE UNITED STATES.

 

This certifies that Cede & Co. is the registered owner of a Percentage Interest (obtained by dividing the denomination of this Certificate by the aggregate Certificate Principal Balance of the Class 2-A4B Certificates as of the Issue Date) in that certain beneficial ownership interest evidenced by all the Class 2-A4B Certificates in the Trust Fund created pursuant to a Pooling and Servicing Agreement, dated as specified above (the “Agreement”), among Citigroup Mortgage Loan Trust Inc. (hereinafter called the “Depositor,” which term includes any successor entity under the Agreement), the Master Servicer, the Trust Administrator, Citibank, N.A. and 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, distributions 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 (a “Distribution Date”), commencing on the First Distribution Date specified above, to the Person in whose name this Certificate is registered on the Record Date, in an amount equal to the product of the Percentage Interest evidenced by this Certificate and the amount
required to be distributed to the Holders of Class 2-A4B Certificates on such Distribution Date pursuant to the Agreement.

 

All distributions to the Holder of this Certificate under the Agreement will be made or caused to be made by the Paying Agent by wire transfer in immediately available funds to the account of the Person entitled thereto if such Person shall have so notified the Paying Agent in writing at least five Business Days prior to the Record Date immediately prior to such Distribution Date or otherwise by check mailed by first class mail to the address of the Person entitled thereto, as such name and address shall appear on the Certificate Register. Notwithstanding the above, the final distribution on this Certificate will be made after due notice by the Paying Agent of the pendency of such distribution and only upon presentation and surrender of this Certificate at the office or agency appointed by the Paying Agent for
that purpose as provided in the Agreement.

 

This Certificate is one of a duly authorized issue of Certificates designated as Mortgage Pass-Through Certificates of the Series specified on the face hereof (herein called the “Certificates”) and representing the Percentage Interest specified above in the Class of Certificates to which this Certificate belongs.

 

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. As provided in the Agreement, withdrawals from the Collection Account and the Distribution Account may be made from time to time for purposes other than distributions to Certificateholders, such purposes including reimbursement of advances made, or certain expenses incurred, with respect to the Mortgage Loans.

 

The Agreement permits, with certain exceptions therein provided, the amendment thereof and the modification of the rights and obligations of the Depositor, the Master Servicer, the Trust Administrator, Citibank, N.A., the Trustee and the rights of the Certificateholders, under the Agreement at any time by the Depositor, the Master Servicer, the Trust Administrator, Citibank, N.A. and the Trustee with the consent of the Holders of Certificates entitled to at least 66% of the Voting Rights. Any such consent by the Holder of this Certificate shall be conclusive and binding on such Holder and upon all future Holders of this Certificate and of any Certificate issued upon the transfer hereof or in exchange herefor or in lieu hereof whether or not notation of such consent is made upon this Certificate. The Agreement
also permits the amendment thereof, in certain limited circumstances, without the consent of the Holders of any of the Certificates.

 

As provided in the 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 Certificate Registrar as provided in the Agreement, duly endorsed by, or accompanied by an assignment in the form below or other written instrument of transfer in form satisfactory to 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 the same Class in authorized denominations evidencing the same aggregate Percentage Interest will be issued to the designated transferee or transferees.

 

The Certificates are issuable in fully registered form only without coupons in Classes and denominations representing Percentage Interests specified in the Agreement. As provided in the Agreement and subject to certain limitations therein set forth, the Certificates are exchangeable for new Certificates of the same Class in authorized denominations evidencing the same 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 of Certificates, but the Certificate Registrar may require payment of a sum sufficient to cover any tax or other governmental charge that may be imposed in connection with any transfer or exchange of Certificates.

 

The Depositor, the Master Servicer, the Trust Administrator, Citibank, N.A., the Trustee and any agent of the Depositor, the Master Servicer, the Trust Administrator, Citibank, N.A. or the Trustee may treat the Person in whose name this Certificate is registered as the owner hereof for all purposes, and none of the Depositor, the Master Servicer, the Trust Administrator, Citibank, N.A., the Trustee nor any such agent shall be affected by notice to the contrary.

 

The obligations created by the Agreement and the Trust Fund created thereby shall terminate upon payment to the Certificateholders of all amounts held by the Trustee and required to be paid to them pursuant to the Agreement following the earlier of (i) the final payment or other liquidation (or any advance with respect thereto) of the last Mortgage Loan and REO Property remaining in the Trust Fund and (ii) the purchase by the party designated in the Agreement at a price determined as provided in the Agreement from the Trust Fund of all the Mortgage Loans and all property acquired in respect of such Mortgage Loans. The Agreement permits, but does not require, the party designated in the Agreement to purchase from the Trust Fund all the Mortgage Loans in the Collateral Pool relating to this Certificate and all
property acquired in respect of any Mortgage Loan in such Collateral Pool at a price determined as provided in the Agreement. The exercise of such right will effect early retirement of the Certificates relating to such Collateral Pool; however, such right to purchase is subject to the aggregate Stated Principal Balance of the Mortgage Loans in such Collateral Pool at the time of purchase being less than 5% of the aggregate principal balance of the Mortgage Loans in such Collateral Pool as of the Cut-off Date.

 

The recitals contained herein shall be taken as statements of the Depositor, and the Trustee assumes no responsibility for their correctness.

 

Unless the certificate of authentication hereon has been executed by the Authenticating Agent, by manual signature, this Certificate shall not be entitled to any benefit under the Agreement or be valid for any purpose.

IN WITNESS WHEREOF, the Paying Agent has caused this Certificate to be duly executed.

 

Dated: October ___, 2006

 

	 	 	 	 	 	 	 	
CITIBANK, N.A., not in its individual

capacity, but solely as Paying Agent

	 	 	 	 	 	 	 	 	 	 	 	 	 	 
	 	 	 	 	 	 	 	 	 	 	 	 	 	 
	 	 	 	 	 	 	 	
By:
	 
	 	 	 	 	 	 	 	 	
Authorized Officer

CERTIFICATE OF AUTHENTICATION

 

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

 

	 	 	 	 	 	 	 	
CITIGROUP MORTGAGE LOAN TRUST

INC., MORTGAGE PASS THROUGH

CERTIFICATES, SERIES 2006-AR7

 

CITIBANK, N.A., not in its individual

capacity, but solely as Authenticating Agent

	 	 	 	 	 	 	 	 	 	 	 	 	 	 
	 	 	 	 	 	 	 	 	 	 	 	 	 	 
	 	 	 	 	 	 	 	
By:
	 
	 	 	 	 	 	 	 	 	
Authorized Officer

 

ABBREVIATIONS

 

The following abbreviations, when used in the inscription on the face of this instrument, shall be construed as though they were written out in full according to applicable laws or regulations:

 

	
TEN COM -
	
as tenants in common
	
UNIF GIFT MIN ACT - Custodian

	 	 	 	 
	
TEN ENT -
	
as tenants by the entireties
	
(Cust) (Minor) under

Uniform Gifts to Minors Act

	 	 	 	 
	
JT TEN -
	
as joint tenants with right of survivorship and not as tenants in common
	 	
State

Additional abbreviations may also be used though not in the above list.

 

ASSIGNMENT

 

FOR VALUE RECEIVED, the undersigned hereby sell(s), assign(s) and transfer(s) unto 

	 	 	 
	 	 	 

(Please print or typewrite name, address including postal zip code, and Taxpayer Identification Number of assignee) a Percentage Interest equal to ____% evidenced by the within Mortgage Pass-Through Certificates and hereby authorize(s) the registration of transfer of such interest to assignee on the Certificate Register of the Trust Fund.

 

I (we) further direct the Trustee to issue a new Certificate of a like Percentage Interest 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.
	 	 

 

EXHIBIT A-30

 

FORM OF CLASS 2-4IO CERTIFICATE

 

UNLESS THIS CERTIFICATE IS PRESENTED BY AN AUTHORIZED REPRESENTATIVE OF THE DEPOSITORY TRUST COMPANY, A NEW YORK CORPORATION (“DTC”), TO THE TRUSTEE 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.

 

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”).

 

	
Series 2006-AR7

 

Pass-Through Rate: 0.426% per annum

 

Cut-off Date and date of Pooling and Servicing Agreement: October 1, 2006

 

First Distribution Date: November 25, 2006

 

No. 1
	
Aggregate Notional Amount of the Class 2-4IO Certificates as of the Issue Date: $79,519,000.00

 

Denomination: $79,519,000.00

 

Master Servicer: CitiMortgage, Inc.

 

Trust Administrator: CitiMortgage, Inc.

 

Certificate Registrar, Paying Agent and Authenticating Agent: Citibank, N.A.

 

Trustee: U.S. Bank National Association

 

Issue Date: October 31, 2006

 

CUSIP: 172987 BF 5

 

THE NOTIONAL AMOUNT OF THIS CERTIFICATE WILL DECLINE MONTHLY. ACCORDINGLY, THE OUTSTANDING NOTIONAL AMOUNT HEREOF AT ANY TIME MAY BE LESS THAN THE AMOUNT SHOWN ABOVE AS THE DENOMINATION OF THIS CERTIFICATE.

 

MORTGAGE PASS-THROUGH CERTIFICATE

 

evidencing a beneficial ownership interest in a Trust Fund (the “Trust Fund”) consisting primarily of a pool of conventional one- to four-family, adjustable-rate and fixed-rate, first lien mortgage loans (the “Mortgage Loans”) formed and sold by

 

CITIGROUP MORTGAGE LOAN TRUST INC.

 

THIS CERTIFICATE DOES NOT REPRESENT AN OBLIGATION OF OR INTEREST IN CITIGROUP MORTGAGE LOAN TRUST INC., THE MASTER SERVICER, THE TRUST ADMINISTRATOR, CITIBANK, N.A., THE TRUSTEE OR ANY OF THEIR RESPECTIVE AFFILIATES. NEITHER THIS CERTIFICATE NOR THE UNDERLYING MORTGAGE LOANS ARE GUARANTEED BY ANY AGENCY OR INSTRUMENTALITY OF THE UNITED STATES.

 

This certifies that Cede & Co. is the registered owner of a Percentage Interest (obtained by dividing the denomination of this Certificate by the aggregate Notional Amount of the Class 2-4IO Certificates as of the Issue Date) in that certain beneficial ownership interest evidenced by all the Class 2-4IO Certificates in the Trust Fund created pursuant to a Pooling and Servicing Agreement, dated as specified above (the “Agreement”), among Citigroup Mortgage Loan Trust Inc. (hereinafter called the “Depositor,” which term includes any successor entity under the Agreement), the Master Servicer, the Trust Administrator, Citibank, N.A. and 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, distributions 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 (a “Distribution Date”), commencing on the First Distribution Date specified above, to the Person in whose name this Certificate is registered on the Record Date, in an amount equal to the product of the Percentage Interest evidenced by this Certificate and the amount
required to be distributed to the Holders of Class 2-4IO Certificates on such Distribution Date pursuant to the Agreement.

 

All distributions to the Holder of this Certificate under the Agreement will be made or caused to be made by the Paying Agent by wire transfer in immediately available funds to the account of the Person entitled thereto if such Person shall have so notified the Paying Agent in writing at least five Business Days prior to the Record Date immediately prior to such Distribution Date or otherwise by check mailed by first class mail to the address of the Person entitled thereto, as such name and address shall appear on the Certificate Register. Notwithstanding the above, the final distribution on this Certificate will be made after due notice by the Paying Agent of the pendency of such distribution and only upon presentation and surrender of this Certificate at the office or agency appointed by the Paying Agent for
that purpose as provided in the Agreement.

 

This Certificate is one of a duly authorized issue of Certificates designated as Mortgage Pass-Through Certificates of the Series specified on the face hereof (herein called the “Certificates”) and representing the Percentage Interest specified above in the Class of Certificates to which this Certificate belongs.

 

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. As provided in the Agreement, withdrawals from the Collection Account and the Distribution Account may be made from time to time for purposes other than distributions to Certificateholders, such purposes including reimbursement of advances made, or certain expenses incurred, with respect to the Mortgage Loans.

 

The Agreement permits, with certain exceptions therein provided, the amendment thereof and the modification of the rights and obligations of the Depositor, the Master Servicer, the Trust Administrator, Citibank, N.A., the Trustee and the rights of the Certificateholders, under the Agreement at any time by the Depositor, the Master Servicer, the Trust Administrator, Citibank, N.A. and the Trustee with the consent of the Holders of Certificates entitled to at least 66% of the Voting Rights. Any such consent by the Holder of this Certificate shall be conclusive and binding on such Holder and upon all future Holders of this Certificate and of any Certificate issued upon the transfer hereof or in exchange herefor or in lieu hereof whether or not notation of such consent is made upon this Certificate. The Agreement
also permits the amendment thereof, in certain limited circumstances, without the consent of the Holders of any of the Certificates.

 

As provided in the 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 Certificate Registrar as provided in the Agreement, duly endorsed by, or accompanied by an assignment in the form below or other written instrument of transfer in form satisfactory to 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 the same Class in authorized denominations evidencing the same aggregate Percentage Interest will be issued to the designated transferee or transferees.

 

The Certificates are issuable in fully registered form only without coupons in Classes and denominations representing Percentage Interests specified in the Agreement. As provided in the Agreement and subject to certain limitations therein set forth, the Certificates are exchangeable for new Certificates of the same Class in authorized denominations evidencing the same 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 of Certificates, but the Certificate Registrar may require payment of a sum sufficient to cover any tax or other governmental charge that may be imposed in connection with any transfer or exchange of Certificates.

 

The Depositor, the Master Servicer, the Trust Administrator, Citibank, N.A., the Trustee and any agent of the Depositor, the Master Servicer, the Trust Administrator, Citibank, N.A. or the Trustee may treat the Person in whose name this Certificate is registered as the owner hereof for all purposes, and none of the Depositor, the Master Servicer, the Trust Administrator, Citibank, N.A., the Trustee nor any such agent shall be affected by notice to the contrary.

 

The obligations created by the Agreement and the Trust Fund created thereby shall terminate upon payment to the Certificateholders of all amounts held by the Trustee and required to be paid to them pursuant to the Agreement following the earlier of (i) the final payment or other liquidation (or any advance with respect thereto) of the last Mortgage Loan and REO Property remaining in the Trust Fund and (ii) the purchase by the party designated in the Agreement at a price determined as provided in the Agreement from the Trust Fund of all the Mortgage Loans and all property acquired in respect of such Mortgage Loans. The Agreement permits, but does not require, the party designated in the Agreement to purchase from the Trust Fund all the Mortgage Loans in the Collateral Pool relating to this Certificate and all
property acquired in respect of any Mortgage Loan in such Collateral Pool at a price determined as provided in the Agreement. The exercise of such right will effect early retirement of the Certificates relating to such Collateral Pool; however, such right to purchase is subject to the aggregate Stated Principal Balance of the Mortgage Loans in such Collateral Pool at the time of purchase being less than 5% of the aggregate principal balance of the Mortgage Loans in such Collateral Pool as of the Cut-off Date.

 

The recitals contained herein shall be taken as statements of the Depositor, and the Trustee assumes no responsibility for their correctness.

 

Unless the certificate of authentication hereon has been executed by the Authenticating Agent, by manual signature, this Certificate shall not be entitled to any benefit under the Agreement or be valid for any purpose.

IN WITNESS WHEREOF, the Paying Agent has caused this Certificate to be duly executed.

 

Dated: October ___, 2006

 

	 	 	 	 	 	 	 	
CITIBANK, N.A., not in its individual

capacity, but solely as Paying Agent

	 	 	 	 	 	 	 	 	 	 	 	 	 	 
	 	 	 	 	 	 	 	 	 	 	 	 	 	 
	 	 	 	 	 	 	 	
By:
	 
	 	 	 	 	 	 	 	 	
Authorized Officer

CERTIFICATE OF AUTHENTICATION

 

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

 

	 	 	 	 	 	 	 	
CITIGROUP MORTGAGE LOAN TRUST

INC., MORTGAGE PASS THROUGH

CERTIFICATES, SERIES 2006-AR7

 

CITIBANK, N.A., not in its individual

capacity, but solely as Authenticating Agent

	 	 	 	 	 	 	 	 	 	 	 	 	 	 
	 	 	 	 	 	 	 	 	 	 	 	 	 	 
	 	 	 	 	 	 	 	
By:
	 
	 	 	 	 	 	 	 	 	
Authorized Officer

 

ABBREVIATIONS

 

The following abbreviations, when used in the inscription on the face of this instrument, shall be construed as though they were written out in full according to applicable laws or regulations:

 

	
TEN COM -
	
as tenants in common
	
UNIF GIFT MIN ACT - Custodian

	 	 	 	 
	
TEN ENT -
	
as tenants by the entireties
	
(Cust) (Minor) under

Uniform Gifts to Minors Act

	 	 	 	 
	
JT TEN -
	
as joint tenants with right of survivorship and not as tenants in common
	 	
State

Additional abbreviations may also be used though not in the above list.

 

ASSIGNMENT

 

FOR VALUE RECEIVED, the undersigned hereby sell(s), assign(s) and transfer(s) unto 

	 	 	 
	 	 	 

(Please print or typewrite name, address including postal zip code, and Taxpayer Identification Number of assignee) a Percentage Interest equal to ____% evidenced by the within Mortgage Pass-Through Certificates and hereby authorize(s) the registration of transfer of such interest to assignee on the Certificate Register of the Trust Fund.

 

I (we) further direct the Trustee to issue a new Certificate of a like Percentage Interest 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.
	 	 

 

EXHIBIT A-31

 

FORM OF CLASS 2-B1 CERTIFICATE

 

UNLESS THIS CERTIFICATE IS PRESENTED BY AN AUTHORIZED REPRESENTATIVE OF THE DEPOSITORY TRUST COMPANY, A NEW YORK CORPORATION (“DTC”), TO THE TRUSTEE 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.

 

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”).

 

ANY TRANSFEREE OF THIS CERTIFICATE SHALL MAKE OR SHALL BE DEEMED TO MAKE THE REPRESENTATIONS IN SECTION 5.02(C) OF THE POOLING AND SERVICING AGREEMENT REFERRED TO HEREIN.

 

THIS CERTIFICATE IS SUBORDINATE TO THE GROUP 2 SENIOR CERTIFICATES TO THE EXTENT DESCRIBED IN THE POOLING AND SERVICING AGREEMENT REFERRED TO HEREIN.

 

	
Series 2006-AR7

 

Pass-Through Rate: Variable

 

Cut-off Date and date of Pooling and Servicing Agreement: October 1, 2006

 

First Distribution Date: November 25, 2006

 

No.1 
	
Aggregate Certificate Principal Balance of the Class 2-B1 Certificates as of the Issue Date: $11,029,000.00

 

Denomination: $11,029,000.00

 

Master Servicer: CitiMortgage, Inc.

 

Trust Administrator: CitiMortgage, Inc.

 

Certificate Registrar, Paying Agent and Authenticating Agent: Citibank, N.A.

 

Trustee: U.S. Bank National Association

 

Issue Date: October 31, 2006

 

CUSIP: 172987 BG 3

 

DISTRIBUTIONS IN REDUCTION OF THE CERTIFICATE PRINCIPAL BALANCE OF THIS CERTIFICATE MAY BE MADE MONTHLY AS SET FORTH HEREIN. ACCORDINGLY, THE OUTSTANDING CERTIFICATE PRINCIPAL BALANCE HEREOF AT ANY TIME MAY BE LESS THAN THE AMOUNT SHOWN ABOVE AS THE DENOMINATION OF THIS CERTIFICATE.

 

MORTGAGE PASS-THROUGH CERTIFICATE

 

evidencing a beneficial ownership interest in a Trust Fund (the “Trust Fund”) consisting primarily of a pool of conventional one- to four-family, adjustable-rate and fixed-rate, first lien mortgage loans (the “Mortgage Loans”) formed and sold by

 

CITIGROUP MORTGAGE LOAN TRUST INC.

 

THIS CERTIFICATE DOES NOT REPRESENT AN OBLIGATION OF OR INTEREST IN CITIGROUP MORTGAGE LOAN TRUST INC., THE MASTER SERVICER, THE TRUST ADMINISTRATOR, CITIBANK, N.A., THE TRUSTEE OR ANY OF THEIR RESPECTIVE AFFILIATES. NEITHER THIS CERTIFICATE NOR THE UNDERLYING MORTGAGE LOANS ARE GUARANTEED BY ANY AGENCY OR INSTRUMENTALITY OF THE UNITED STATES.

 

This certifies that Cede & Co. is the registered owner of a Percentage Interest (obtained by dividing the denomination of this Certificate by the aggregate Certificate Principal Balance of the Class 2-B1 Certificates as of the Issue Date) in that certain beneficial ownership interest evidenced by all the Class 2-B1 Certificates in the Trust Fund created pursuant to a Pooling and Servicing Agreement, dated as specified above (the “Agreement”), among Citigroup Mortgage Loan Trust Inc. (hereinafter called the “Depositor,” which term includes any successor entity under the Agreement), the Master Servicer, the Trust Administrator, Citibank, N.A. and 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, distributions 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 (a “Distribution Date”), commencing on the First Distribution Date specified above, to the Person in whose name this Certificate is registered on the Record Date, in an amount equal to the product of the Percentage Interest evidenced by this Certificate and the amount
required to be distributed to the Holders of Class 2-B1 Certificates on such Distribution Date pursuant to the Agreement.

 

All distributions to the Holder of this Certificate under the Agreement will be made or caused to be made by the Paying Agent by wire transfer in immediately available funds to the account of the Person entitled thereto if such Person shall have so notified the Paying Agent in writing at least five Business Days prior to the Record Date immediately prior to such Distribution Date or otherwise by check mailed by first class mail to the address of the Person entitled thereto, as such name and address shall appear on the Certificate Register. Notwithstanding the above, the final distribution on this Certificate will be made after due notice by the Paying Agent of the pendency of such distribution and only upon presentation and surrender of this Certificate at the office or agency appointed by the Paying Agent for
that purpose as provided in the Agreement.

 

This Certificate is one of a duly authorized issue of Certificates designated as Mortgage Pass-Through Certificates of the Series specified on the face hereof (herein called the “Certificates”) and representing the Percentage Interest specified above in the Class of Certificates to which this Certificate belongs.

 

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. As provided in the Agreement, withdrawals from the Collection Account and the Distribution Account may be made from time to time for purposes other than distributions to Certificateholders, such purposes including reimbursement of advances made, or certain expenses incurred, with respect to the Mortgage Loans.

 

The Agreement permits, with certain exceptions therein provided, the amendment thereof and the modification of the rights and obligations of the Depositor, the Master Servicer, the Trust Administrator, Citibank, N.A., the Trustee and the rights of the Certificateholders, under the Agreement at any time by the Depositor, the Master Servicer, the Trust Administrator, Citibank, N.A. and the Trustee with the consent of the Holders of Certificates entitled to at least 66% of the Voting Rights. Any such consent by the Holder of this Certificate shall be conclusive and binding on such Holder and upon all future Holders of this Certificate and of any Certificate issued upon the transfer hereof or in exchange herefor or in lieu hereof whether or not notation of such consent is made upon this Certificate. The Agreement
also permits the amendment thereof, in certain limited circumstances, without the consent of the Holders of any of the Certificates.

 

As provided in the 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 Certificate Registrar as provided in the Agreement, duly endorsed by, or accompanied by an assignment in the form below or other written instrument of transfer in form satisfactory to 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 the same Class in authorized denominations evidencing the same aggregate Percentage Interest will be issued to the designated transferee or transferees.

 

Any transfer of this Certificate to a 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 using “Plan Assets” to acquire this Certificate shall be made in accordance with Section 5.02(c) of the Agreement.

 

The Certificates are issuable in fully registered form only without coupons in Classes and denominations representing Percentage Interests specified in the Agreement. As provided in the Agreement and subject to certain limitations therein set forth, the Certificates are exchangeable for new Certificates of the same Class in authorized denominations evidencing the same 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 of Certificates, but the Certificate Registrar may require payment of a sum sufficient to cover any tax or other governmental charge that may be imposed in connection with any transfer or exchange of Certificates.

 

The Depositor, the Master Servicer, the Trust Administrator, Citibank, N.A., the Trustee and any agent of the Depositor, the Master Servicer, the Trust Administrator, Citibank, N.A. or the Trustee may treat the Person in whose name this Certificate is registered as the owner hereof for all purposes, and none of the Depositor, the Master Servicer, the Trust Administrator, Citibank, N.A., the Trustee nor any such agent shall be affected by notice to the contrary.

 

The obligations created by the Agreement and the Trust Fund created thereby shall terminate upon payment to the Certificateholders of all amounts held by the Trustee and required to be paid to them pursuant to the Agreement following the earlier of (i) the final payment or other liquidation (or any advance with respect thereto) of the last Mortgage Loan and REO Property remaining in the Trust Fund and (ii) the purchase by the party designated in the Agreement at a price determined as provided in the Agreement from the Trust Fund of all the Mortgage Loans and all property acquired in respect of such Mortgage Loans. The Agreement permits, but does not require, the party designated in the Agreement to purchase from the Trust Fund all the Mortgage Loans in the Collateral Pool relating to this Certificate and all
property acquired in respect of any Mortgage Loan in such Collateral Pool at a price determined as provided in the Agreement. The exercise of such right will effect early retirement of the Certificates relating to such Collateral Pool; however, such right to purchase is subject to the aggregate Stated Principal Balance of the Mortgage Loans in such Collateral Pool at the time of purchase being less than 5% of the aggregate principal balance of the Mortgage Loans in such Collateral Pool as of the Cut-off Date.

 

The recitals contained herein shall be taken as statements of the Depositor, and the Trustee assumes no responsibility for their correctness.

 

Unless the certificate of authentication hereon has been executed by the Authenticating Agent, by manual signature, this Certificate shall not be entitled to any benefit under the Agreement or be valid for any purpose.

IN WITNESS WHEREOF, the Paying Agent has caused this Certificate to be duly executed.

 

Dated: October ___, 2006

 

	 	 	 	 	 	 	 	
CITIBANK, N.A., not in its individual capacity, but solely as Paying Agent

	 	 	 	 	 	 	 	 	 	 	 	 	 	 
	 	 	 	 	 	 	 	 	 	 	 	 	 	 
	 	 	 	 	 	 	 	
By:
	 
	 	 	 	 	 	 	 	 	
Authorized Officer

CERTIFICATE OF AUTHENTICATION

 

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

 

	 	 	 	 	 	 	 	
CITIGROUP MORTGAGE LOAN TRUST INC., MORTGAGE PASS THROUGH CERTIFICATES, SERIES 2006-AR7

 

CITIBANK, N.A., not in its individual capacity, but solely as Authenticating Agent

	 	 	 	 	 	 	 	 	 	 	 	 	 	 
	 	 	 	 	 	 	 	 	 	 	 	 	 	 
	 	 	 	 	 	 	 	
By:
	 
	 	 	 	 	 	 	 	 	
Authorized Officer

 

ABBREVIATIONS

 

The following abbreviations, when used in the inscription on the face of this instrument, shall be construed as though they were written out in full according to applicable laws or regulations:

 

	
TEN COM -
	
as tenants in common
	
UNIF GIFT MIN ACT - Custodian

	 	 	 	 
	
TEN ENT -
	
as tenants by the entireties
	
(Cust) (Minor) under

Uniform Gifts to Minors Act

	 	 	 	 
	
JT TEN -
	
as joint tenants with right of survivorship and not as tenants in common
	 	
_________________

State

Additional abbreviations may also be used though not in the above list.

 

ASSIGNMENT

 

FOR VALUE RECEIVED, the undersigned hereby sell(s), assign(s) and transfer(s) unto 

	 	 	 
	 	 	 

(Please print or typewrite name, address including postal zip code, and Taxpayer Identification Number of assignee) a Percentage Interest equal to ____% evidenced by the within Mortgage Pass-Through Certificates and hereby authorize(s) the registration of transfer of such interest to assignee on the Certificate Register of the Trust Fund.

 

I (we) further direct the Trustee to issue a new Certificate of a like Percentage Interest 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.
	 	 

 

EXHIBIT A-32

 

FORM OF CLASS 2-B2 CERTIFICATE

 

UNLESS THIS CERTIFICATE IS PRESENTED BY AN AUTHORIZED REPRESENTATIVE OF THE DEPOSITORY TRUST COMPANY, A NEW YORK CORPORATION (“DTC”), TO THE TRUSTEE 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.

 

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”).

 

ANY TRANSFEREE OF THIS CERTIFICATE SHALL MAKE OR SHALL BE DEEMED TO MAKE THE REPRESENTATIONS IN SECTION 5.02(C) OF THE POOLING AND SERVICING AGREEMENT REFERRED TO HEREIN.

 

THIS CERTIFICATE IS SUBORDINATE TO THE GROUP 2 SENIOR CERTIFICATES AND THE CLASS 2-B1 CERTIFICATES TO THE EXTENT DESCRIBED IN THE POOLING AND SERVICING AGREEMENT REFERRED TO HEREIN.

 

	
Series 2006-AR7

 

Pass-Through Rate: Variable

 

Cut-off Date and date of Pooling and Servicing Agreement: October 1, 2006

 

First Distribution Date: November 25, 2006

 

No.1 
	
Aggregate Certificate Principal Balance of the Class 2-B2 Certificates as of the Issue Date: $6,016,000.00

 

Denomination: $6,016,000.00

 

Master Servicer: CitiMortgage, Inc.

 

Trust Administrator: CitiMortgage, Inc.

 

Certificate Registrar, Paying Agent and Authenticating Agent: Citibank, N.A.

 

Trustee: U.S. Bank National Association

 

Issue Date: October 31, 2006

 

CUSIP: 172987 BH 1

 

DISTRIBUTIONS IN REDUCTION OF THE CERTIFICATE PRINCIPAL BALANCE OF THIS CERTIFICATE MAY BE MADE MONTHLY AS SET FORTH HEREIN. ACCORDINGLY, THE OUTSTANDING CERTIFICATE PRINCIPAL BALANCE HEREOF AT ANY TIME MAY BE LESS THAN THE AMOUNT SHOWN ABOVE AS THE DENOMINATION OF THIS CERTIFICATE.

 

MORTGAGE PASS-THROUGH CERTIFICATE

 

evidencing a beneficial ownership interest in a Trust Fund (the “Trust Fund”) consisting primarily of a pool of conventional one- to four-family, adjustable-rate and fixed-rate, first lien mortgage loans (the “Mortgage Loans”) formed and sold by

 

CITIGROUP MORTGAGE LOAN TRUST INC.

 

THIS CERTIFICATE DOES NOT REPRESENT AN OBLIGATION OF OR INTEREST IN CITIGROUP MORTGAGE LOAN TRUST INC., THE MASTER SERVICER, THE TRUST ADMINISTRATOR, CITIBANK, N.A., THE TRUSTEE OR ANY OF THEIR RESPECTIVE AFFILIATES. NEITHER THIS CERTIFICATE NOR THE UNDERLYING MORTGAGE LOANS ARE GUARANTEED BY ANY AGENCY OR INSTRUMENTALITY OF THE UNITED STATES.

 

This certifies that Cede & Co. is the registered owner of a Percentage Interest (obtained by dividing the denomination of this Certificate by the aggregate Certificate Principal Balance of the Class 2-B2 Certificates as of the Issue Date) in that certain beneficial ownership interest evidenced by all the Class 2-B2 Certificates in the Trust Fund created pursuant to a Pooling and Servicing Agreement, dated as specified above (the “Agreement”), among Citigroup Mortgage Loan Trust Inc. (hereinafter called the “Depositor,” which term includes any successor entity under the Agreement), the Master Servicer, Trust Administrator, Citibank, N.A. and 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, distributions 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 (a “Distribution Date”), commencing on the First Distribution Date specified above, to the Person in whose name this Certificate is registered on the Record Date, in an amount equal to the product of the Percentage Interest evidenced by this Certificate and the amount
required to be distributed to the Holders of Class 2-B2 Certificates on such Distribution Date pursuant to the Agreement.

 

All distributions to the Holder of this Certificate under the Agreement will be made or caused to be made by the Paying Agent by wire transfer in immediately available funds to the account of the Person entitled thereto if such Person shall have so notified the Paying Agent in writing at least five Business Days prior to the Record Date immediately prior to such Distribution Date or otherwise by check mailed by first class mail to the address of the Person entitled thereto, as such name and address shall appear on the Certificate Register. Notwithstanding the above, the final distribution on this Certificate will be made after due notice by the Paying Agent of the pendency of such distribution and only upon presentation and surrender of this Certificate at the office or agency appointed by the Paying Agent for
that purpose as provided in the Agreement.

 

This Certificate is one of a duly authorized issue of Certificates designated as Mortgage Pass-Through Certificates of the Series specified on the face hereof (herein called the “Certificates”) and representing the Percentage Interest specified above in the Class of Certificates to which this Certificate belongs.

 

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. As provided in the Agreement, withdrawals from the Collection Account and the Distribution Account may be made from time to time for purposes other than distributions to Certificateholders, such purposes including reimbursement of advances made, or certain expenses incurred, with respect to the Mortgage Loans.

 

The Agreement permits, with certain exceptions therein provided, the amendment thereof and the modification of the rights and obligations of the Depositor, the Master Servicer, the Trust Administrator, Citibank, N.A., the Trustee and the rights of the Certificateholders, under the Agreement at any time by the Depositor, the Master Servicer, the Trust Administrator, Citibank, N.A. and the Trustee with the consent of the Holders of Certificates entitled to at least 66% of the Voting Rights. Any such consent by the Holder of this Certificate shall be conclusive and binding on such Holder and upon all future Holders of this Certificate and of any Certificate issued upon the transfer hereof or in exchange herefor or in lieu hereof whether or not notation of such consent is made upon this Certificate. The Agreement
also permits the amendment thereof, in certain limited circumstances, without the consent of the Holders of any of the Certificates.

 

As provided in the 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 Certificate Registrar as provided in the Agreement, duly endorsed by, or accompanied by an assignment in the form below or other written instrument of transfer in form satisfactory to 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 the same Class in authorized denominations evidencing the same aggregate Percentage Interest will be issued to the designated transferee or transferees.

 

Any transfer of this Certificate to a 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 using “Plan Assets” to acquire this Certificate shall be made in accordance with Section 5.02(c) of the Agreement.

 

The Certificates are issuable in fully registered form only without coupons in Classes and denominations representing Percentage Interests specified in the Agreement. As provided in the Agreement and subject to certain limitations therein set forth, the Certificates are exchangeable for new Certificates of the same Class in authorized denominations evidencing the same 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 of Certificates, but the Certificate Registrar may require payment of a sum sufficient to cover any tax or other governmental charge that may be imposed in connection with any transfer or exchange of Certificates.

 

The Depositor, the Master Servicer, the Trust Administrator, Citibank, N.A., the Trustee and any agent of the Depositor, the Master Servicer, the Trust Administrator, Citibank, N.A. or the Trustee may treat the Person in whose name this Certificate is registered as the owner hereof for all purposes, and none of the Depositor, the Master Servicer, the Trust Administrator, Citibank, N.A., the Trustee nor any such agent shall be affected by notice to the contrary.

 

The obligations created by the Agreement and the Trust Fund created thereby shall terminate upon payment to the Certificateholders of all amounts held by the Trustee and required to be paid to them pursuant to the Agreement following the earlier of (i) the final payment or other liquidation (or any advance with respect thereto) of the last Mortgage Loan and REO Property remaining in the Trust Fund and (ii) the purchase by the party designated in the Agreement at a price determined as provided in the Agreement from the Trust Fund of all the Mortgage Loans and all property acquired in respect of such Mortgage Loans. The Agreement permits, but does not require, the party designated in the Agreement to purchase from the Trust Fund all the Mortgage Loans in the Collateral Pool relating to this Certificate and all
property acquired in respect of any Mortgage Loan in such Collateral Pool at a price determined as provided in the Agreement. The exercise of such right will effect early retirement of the Certificates relating to such Collateral Pool; however, such right to purchase is subject to the aggregate Stated Principal Balance of the Mortgage Loans in such Collateral Pool at the time of purchase being less than 5% of the aggregate principal balance of the Mortgage Loans in such Collateral Pool as of the Cut-off Date.

 

The recitals contained herein shall be taken as statements of the Depositor, and the Trustee assumes no responsibility for their correctness.

 

Unless the certificate of authentication hereon has been executed by the Authenticating Agent, by manual signature, this Certificate shall not be entitled to any benefit under the Agreement or be valid for any purpose.

IN WITNESS WHEREOF, the Paying Agent has caused this Certificate to be duly executed.

 

Dated: October ___, 2006

 

	 	 	 	 	 	 	 	
CITIBANK, N.A., not in its individual capacity, but solely as Paying Agent

	 	 	 	 	 	 	 	 	 	 	 	 	 	 
	 	 	 	 	 	 	 	 	 	 	 	 	 	 
	 	 	 	 	 	 	 	
By:
	 
	 	 	 	 	 	 	 	 	
Authorized Officer

CERTIFICATE OF AUTHENTICATION

 

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

 

	 	 	 	 	 	 	 	
CITIGROUP MORTGAGE LOAN TRUST INC., MORTGAGE PASS THROUGH CERTIFICATES, SERIES 2006-AR7

 

CITIBANK, N.A., not in its individual capacity, but solely as Authenticating Agent

	 	 	 	 	 	 	 	 	 	 	 	 	 	 
	 	 	 	 	 	 	 	 	 	 	 	 	 	 
	 	 	 	 	 	 	 	
By:
	 
	 	 	 	 	 	 	 	 	
Authorized Officer

 

ABBREVIATIONS

 

The following abbreviations, when used in the inscription on the face of this instrument, shall be construed as though they were written out in full according to applicable laws or regulations:

 

	
TEN COM -
	
as tenants in common
	
UNIF GIFT MIN ACT - Custodian

	 	 	 	 
	
TEN ENT -
	
as tenants by the entireties
	
(Cust) (Minor) under

Uniform Gifts to Minors Act

	 	 	 	 
	
JT TEN -
	
as joint tenants with right of survivorship and not as tenants in common
	 	
State

Additional abbreviations may also be used though not in the above list.

 

ASSIGNMENT

 

FOR VALUE RECEIVED, the undersigned hereby sell(s), assign(s) and transfer(s) unto 

	 	 	 
	 	 	 

(Please print or typewrite name, address including postal zip code, and Taxpayer Identification Number of assignee) a Percentage Interest equal to ____% evidenced by the within Mortgage Pass-Through Certificates and hereby authorize(s) the registration of transfer of such interest to assignee on the Certificate Register of the Trust Fund.

 

I (we) further direct the Trustee to issue a new Certificate of a like Percentage Interest 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.
	 	 

EXHIBIT A-33

 

FORM OF CLASS 2-B3 CERTIFICATE

 

UNLESS THIS CERTIFICATE IS PRESENTED BY AN AUTHORIZED REPRESENTATIVE OF THE DEPOSITORY TRUST COMPANY, A NEW YORK CORPORATION (“DTC”), TO THE TRUSTEE 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.

 

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”).

 

ANY TRANSFEREE OF THIS CERTIFICATE SHALL MAKE OR SHALL BE DEEMED TO MAKE THE REPRESENTATIONS IN SECTION 5.02(C) OF THE POOLING AND SERVICING AGREEMENT REFERRED TO HEREIN.

 

THIS CERTIFICATE IS SUBORDINATE TO THE GROUP 2 SENIOR CERTIFICATES, THE CLASS 2-B1 CERTIFICATES AND THE CLASS 2-B2 CERTIFICATES TO THE EXTENT DESCRIBED IN THE POOLING AND SERVICING AGREEMENT REFERRED TO HEREIN.

 

	
Series 2006-AR7

 

Pass-Through Rate: Variable

 

Cut-off Date and date of Pooling and Servicing Agreement: October 1, 2006

 

First Distribution Date: November 25, 2006

 

No.1 
	
Aggregate Certificate Principal Balance of the Class 2-B3 Certificates as of the Issue Date: $3,760,000.00

 

Denomination: $3,760,000.00

 

Master Servicer: CitiMortgage, Inc.

 

Trust Administrator: CitiMortgage, Inc.

 

Certificate Registrar, Paying Agent and Authenticating Agent: Citibank, N.A.

 

Trustee: U.S. Bank National Association

 

Issue Date: October 31, 2006

 

CUSIP: 172987 BJ 7

DISTRIBUTIONS IN REDUCTION OF THE CERTIFICATE PRINCIPAL BALANCE OF THIS CERTIFICATE MAY BE MADE MONTHLY AS SET FORTH HEREIN. ACCORDINGLY, THE OUTSTANDING CERTIFICATE PRINCIPAL BALANCE HEREOF AT ANY TIME MAY BE LESS THAN THE AMOUNT SHOWN ABOVE AS THE DENOMINATION OF THIS CERTIFICATE.

 

MORTGAGE PASS-THROUGH CERTIFICATE

 

evidencing a beneficial ownership interest in a Trust Fund (the “Trust Fund”) consisting primarily of a pool of conventional one- to four-family, adjustable-rate and fixed-rate, first lien mortgage loans (the “Mortgage Loans”) formed and sold by

 

CITIGROUP MORTGAGE LOAN TRUST INC.

 

THIS CERTIFICATE DOES NOT REPRESENT AN OBLIGATION OF OR INTEREST IN CITIGROUP MORTGAGE LOAN TRUST INC., THE MASTER SERVICER, THE TRUST ADMINISTRATOR, CITIBANK, N.A., THE TRUSTEE OR ANY OF THEIR RESPECTIVE AFFILIATES. NEITHER THIS CERTIFICATE NOR THE UNDERLYING MORTGAGE LOANS ARE GUARANTEED BY ANY AGENCY OR INSTRUMENTALITY OF THE UNITED STATES.

 

This certifies that Cede & Co. is the registered owner of a Percentage Interest (obtained by dividing the denomination of this Certificate by the aggregate Certificate Principal Balance of the Class 2-B3 Certificates as of the Issue Date) in that certain beneficial ownership interest evidenced by all the Class 2-B3 Certificates in the Trust Fund created pursuant to a Pooling and Servicing Agreement, dated as specified above (the “Agreement”), among Citigroup Mortgage Loan Trust Inc. (hereinafter called the “Depositor,” which term includes any successor entity under the Agreement), the Master Servicer, the Trust Administrator, Citibank, N.A. and 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, distributions 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 (a “Distribution Date”), commencing on the First Distribution Date specified above, to the Person in whose name this Certificate is registered on the Record Date, in an amount equal to the product of the Percentage Interest evidenced by this Certificate and the amount
required to be distributed to the Holders of Class 2-B3 Certificates on such Distribution Date pursuant to the Agreement.

 

All distributions to the Holder of this Certificate under the Agreement will be made or caused to be made by the Paying Agent by wire transfer in immediately available funds to the account of the Person entitled thereto if such Person shall have so notified the Paying Agent in writing at least five Business Days prior to the Record Date immediately prior to such Distribution Date or otherwise by check mailed by first class mail to the address of the Person entitled thereto, as such name and address shall appear on the Certificate Register. Notwithstanding the above, the final distribution on this Certificate will be made after due notice by the Paying Agent of the pendency of such distribution and only upon presentation and surrender of this Certificate at the office or agency appointed by the Paying Agent for
that purpose as provided in the Agreement.

 

This Certificate is one of a duly authorized issue of Certificates designated as Mortgage Pass-Through Certificates of the Series specified on the face hereof (herein called the “Certificates”) and representing the Percentage Interest specified above in the Class of Certificates to which this Certificate belongs.

 

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. As provided in the Agreement, withdrawals from the Collection Account and the Distribution Account may be made from time to time for purposes other than distributions to Certificateholders, such purposes including reimbursement of advances made, or certain expenses incurred, with respect to the Mortgage Loans.

 

The Agreement permits, with certain exceptions therein provided, the amendment thereof and the modification of the rights and obligations of the Depositor, the Master Servicer, the Trust Administrator, Citibank, N.A., the Trustee and the rights of the Certificateholders, under the Agreement at any time by the Depositor, the Master Servicer, the Trust Administrator, Citibank, N.A. and the Trustee with the consent of the Holders of Certificates entitled to at least 66% of the Voting Rights. Any such consent by the Holder of this Certificate shall be conclusive and binding on such Holder and upon all future Holders of this Certificate and of any Certificate issued upon the transfer hereof or in exchange herefor or in lieu hereof whether or not notation of such consent is made upon this Certificate. The Agreement
also permits the amendment thereof, in certain limited circumstances, without the consent of the Holders of any of the Certificates.

 

As provided in the 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 Certificate Registrar as provided in the Agreement, duly endorsed by, or accompanied by an assignment in the form below or other written instrument of transfer in form satisfactory to 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 the same Class in authorized denominations evidencing the same aggregate Percentage Interest will be issued to the designated transferee or transferees.

 

Any transfer of this Certificate to a 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 using “Plan Assets” to acquire this Certificate shall be made in accordance with Section 5.02(c) of the Agreement.

 

The Certificates are issuable in fully registered form only without coupons in Classes and denominations representing Percentage Interests specified in the Agreement. As provided in the Agreement and subject to certain limitations therein set forth, the Certificates are exchangeable for new Certificates of the same Class in authorized denominations evidencing the same 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 of Certificates, but the Certificate Registrar may require payment of a sum sufficient to cover any tax or other governmental charge that may be imposed in connection with any transfer or exchange of Certificates.

 

The Depositor, the Master Servicer, the Trust Administrator, Citibank, N.A., the Trustee and any agent of the Depositor, the Master Servicer, the Trust Administrator, Citibank, N.A. or the Trustee may treat the Person in whose name this Certificate is registered as the owner hereof for all purposes, and none of the Depositor, the Master Servicer, the Trust Administrator, Citibank, N.A., the Trustee nor any such agent shall be affected by notice to the contrary.

 

The obligations created by the Agreement and the Trust Fund created thereby shall terminate upon payment to the Certificateholders of all amounts held by the Trustee and required to be paid to them pursuant to the Agreement following the earlier of (i) the final payment or other liquidation (or any advance with respect thereto) of the last Mortgage Loan and REO Property remaining in the Trust Fund and (ii) the purchase by the party designated in the Agreement at a price determined as provided in the Agreement from the Trust Fund of all the Mortgage Loans and all property acquired in respect of such Mortgage Loans. The Agreement permits, but does not require, the party designated in the Agreement to purchase from the Trust Fund all the Mortgage Loans in the Collateral Pool relating to this Certificate and all
property acquired in respect of any Mortgage Loan in such Collateral Pool at a price determined as provided in the Agreement. The exercise of such right will effect early retirement of the Certificates relating to such Collateral Pool; however, such right to purchase is subject to the aggregate Stated Principal Balance of the Mortgage Loans in such Collateral Pool at the time of purchase being less than 5% of the aggregate principal balance of the Mortgage Loans in such Collateral Pool as of the Cut-off Date.

 

The recitals contained herein shall be taken as statements of the Depositor, and the Trustee assumes no responsibility for their correctness.

 

Unless the certificate of authentication hereon has been executed by the Authenticating Agent, by manual signature, this Certificate shall not be entitled to any benefit under the Agreement or be valid for any purpose.

IN WITNESS WHEREOF, the Paying Agent has caused this Certificate to be duly executed.

 

Dated: October ___, 2006

 

	 	 	 	 	 	 	 	
CITIBANK, N.A., not in its individual capacity, but solely as Paying Agent

	 	 	 	 	 	 	 	 	 	 	 	 	 	 
	 	 	 	 	 	 	 	 	 	 	 	 	 	 
	 	 	 	 	 	 	 	
By:
	 
	 	 	 	 	 	 	 	 	
Authorized Officer

CERTIFICATE OF AUTHENTICATION

 

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

 

	 	 	 	 	 	 	 	
CITIGROUP MORTGAGE LOAN TRUST INC., MORTGAGE PASS THROUGH CERTIFICATES, SERIES 2006-AR7

 

CITIBANK, N.A., not in its individual capacity, but solely as Authenticating Agent

	 	 	 	 	 	 	 	 	 	 	 	 	 	 
	 	 	 	 	 	 	 	 	 	 	 	 	 	 
	 	 	 	 	 	 	 	
By:
	 
	 	 	 	 	 	 	 	 	
Authorized Officer

ABBREVIATIONS

 

The following abbreviations, when used in the inscription on the face of this instrument, shall be construed as though they were written out in full according to applicable laws or regulations:

 

	
TEN COM -
	
as tenants in common
	
UNIF GIFT MIN ACT - Custodian

	 	 	 	 
	
TEN ENT -
	
as tenants by the entireties
	
(Cust) (Minor) under

Uniform Gifts to Minors Act

	 	 	 	 
	
JT TEN -
	
as joint tenants with right of survivorship and not as tenants in common
	 	
State

Additional abbreviations may also be used though not in the above list.

 

ASSIGNMENT

 

FOR VALUE RECEIVED, the undersigned hereby sell(s), assign(s) and transfer(s) unto 

	 	 	 
	 	 	 

(Please print or typewrite name, address including postal zip code, and Taxpayer Identification Number of assignee) a Percentage Interest equal to ____% evidenced by the within Mortgage Pass-Through Certificates and hereby authorize(s) the registration of transfer of such interest to assignee on the Certificate Register of the Trust Fund.

 

I (we) further direct the Trustee to issue a new Certificate of a like Percentage Interest 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.
	 	 

 

EXHIBIT A-34

 

FORM OF CLASS 2-B4 CERTIFICATE

 

UNLESS THIS CERTIFICATE IS PRESENTED BY AN AUTHORIZED REPRESENTATIVE OF THE DEPOSITORY TRUST COMPANY, A NEW YORK CORPORATION (“DTC”), TO THE TRUSTEE 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.

 

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”).

 

NO TRANSFER OF THIS CERTIFICATE SHALL BE MADE TO ANY PLAN OR PERSON USING PLAN ASSETS EXCEPT IN ACCORDANCE WITH SECTION 5.02(C) OF THE POOLING AND SERVICING AGREEMENT REFERRED TO HEREIN.

 

THIS CERTIFICATE IS SUBORDINATE TO THE GROUP 2 SENIOR CERTIFICATES, THE CLASS 2-B1 CERTIFICATES, THE CLASS 2-B2 CERTIFICATES AND THE CLASS 2-B3 CERTIFICATES TO THE EXTENT DESCRIBED IN THE POOLING AND SERVICING AGREEMENT REFERRED TO HEREIN.

 

	
Series 2006-AR7

 

Pass-Through Rate: Variable

 

Cut-off Date and date of Pooling and Servicing Agreement: October 1, 2006

 

First Distribution Date: November 25, 2006

 

No. 1
	
Aggregate Certificate Principal Balance of the Class 2-B4 Certificates as of the Issue Date: $4,512,000.00

 

Denomination: $4,512,000.00

 

Master Servicer: CitiMortgage, Inc.

 

Trust Administrator: CitiMortgage, Inc.

 

Certificate Registrar, Paying Agent and Authenticating Agent: Citibank, N.A.

 

Trustee: U.S. Bank National Association

 

Issue Date: October 31, 2006

 

CUSIP: 172987 BK 4

 

DISTRIBUTIONS IN REDUCTION OF THE CERTIFICATE PRINCIPAL BALANCE OF THIS CERTIFICATE MAY BE MADE MONTHLY AS SET FORTH HEREIN. ACCORDINGLY, THE OUTSTANDING CERTIFICATE PRINCIPAL BALANCE HEREOF AT ANY TIME MAY BE LESS THAN THE AMOUNT SHOWN ABOVE AS THE DENOMINATION OF THIS CERTIFICATE.

 

MORTGAGE PASS-THROUGH CERTIFICATE

 

evidencing a beneficial ownership interest in a Trust Fund (the “Trust Fund”) consisting primarily of a pool of conventional one- to four-family, adjustable-rate and fixed-rate, first lien mortgage loans (the “Mortgage Loans”) formed and sold by

 

CITIGROUP MORTGAGE LOAN TRUST INC.

 

THIS CERTIFICATE DOES NOT REPRESENT AN OBLIGATION OF OR INTEREST IN CITIGROUP MORTGAGE LOAN TRUST INC., THE MASTER SERVICER, THE TRUST ADMINISTRATOR, CITIBANK, N.A., THE TRUSTEE OR ANY OF THEIR RESPECTIVE AFFILIATES. NEITHER THIS CERTIFICATE NOR THE UNDERLYING MORTGAGE LOANS ARE GUARANTEED BY ANY AGENCY OR INSTRUMENTALITY OF THE UNITED STATES.

 

This certifies that Cede & Co. is the registered owner of a Percentage Interest (obtained by dividing the denomination of this Certificate by the aggregate Certificate Principal Balance of the Class 2-B4 Certificates as of the Issue Date) in that certain beneficial ownership interest evidenced by all the Class 2-B4 Certificates in the Trust Fund created pursuant to a Pooling and Servicing Agreement, dated as specified above (the “Agreement”), among Citigroup Mortgage Loan Trust Inc. (hereinafter called the “Depositor,” which term includes any successor entity under the Agreement), the Master Servicer, the Trust Administrator, Citibank, N.A. and 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, distributions 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 (a “Distribution Date”), commencing on the First Distribution Date specified above, to the Person in whose name this Certificate is registered on the Record Date, in an amount equal to the product of the Percentage Interest evidenced by this Certificate and the amount
required to be distributed to the Holders of Class 2-B4 Certificates on such Distribution Date pursuant to the Agreement.

 

All distributions to the Holder of this Certificate under the Agreement will be made or caused to be made by the Paying Agent by wire transfer in immediately available funds to the account of the Person entitled thereto if such Person shall have so notified the Paying Agent in writing at least five Business Days prior to the Record Date immediately prior to such Distribution Date or otherwise by check mailed by first class mail to the address of the Person entitled thereto, as such name and address shall appear on the Certificate Register. Notwithstanding the above, the final distribution on this Certificate will be made after due notice by the Paying Agent of the pendency of such distribution and only upon presentation and surrender of this Certificate at the office or agency appointed by the Paying Agent for
that purpose as provided in the Agreement.

 

This Certificate is one of a duly authorized issue of Certificates designated as Mortgage Pass-Through Certificates of the Series specified on the face hereof (herein called the “Certificates”) and representing the Percentage Interest specified above in the Class of Certificates to which this Certificate belongs.

 

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. As provided in the Agreement, withdrawals from the Collection Account and the Distribution Account may be made from time to time for purposes other than distributions to Certificateholders, such purposes including reimbursement of advances made, or certain expenses incurred, with respect to the Mortgage Loans.

 

The Agreement permits, with certain exceptions therein provided, the amendment thereof and the modification of the rights and obligations of the Depositor, the Master Servicer, the Trust Administrator, Citibank, N.A., the Trustee, and the rights of the Certificateholders, under the Agreement at any time by the Depositor, the Master Servicer, the Trust Administrator, Citibank, N.A. and the Trustee with the consent of the Holders of Certificates entitled to at least 66% of the Voting Rights. Any such consent by the Holder of this Certificate shall be conclusive and binding on such Holder and upon all future Holders of this Certificate and of any Certificate issued upon the transfer hereof or in exchange herefor or in lieu hereof whether or not notation of such consent is made upon this Certificate. The Agreement
also permits the amendment thereof, in certain limited circumstances, without the consent of the Holders of any of the Certificates.

 

As provided in the 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 Certificate Registrar as provided in the Agreement, duly endorsed by, or accompanied by an assignment in the form below or other written instrument of transfer in form satisfactory to 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 the same Class in authorized denominations evidencing the same aggregate Percentage Interest will be issued to the designated transferee or transferees.

 

The Certificates are issuable in fully registered form only without coupons in Classes and denominations representing Percentage Interests specified in the Agreement. As provided in the Agreement and subject to certain limitations therein set forth, the Certificates are exchangeable for new Certificates of the same Class in authorized denominations evidencing the same 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 of Certificates, but the Certificate Registrar may require payment of a sum sufficient to cover any tax or other governmental charge that may be imposed in connection with any transfer or exchange of Certificates.

 

The Depositor, the Master Servicer, the Trust Administrator, Citibank, N.A., the Trustee and any agent of the Depositor, the Master Servicer, the Trust Administrator, Citibank, N.A. or the Trustee may treat the Person in whose name this Certificate is registered as the owner hereof for all purposes, and none of the Depositor, the Master Servicer, the Trust Administrator, Citibank, N.A., the Trustee, nor any such agent shall be affected by notice to the contrary.

 

The obligations created by the Agreement and the Trust Fund created thereby shall terminate upon payment to the Certificateholders of all amounts held by the Trustee and required to be paid to them pursuant to the Agreement following the earlier of (i) the final payment or other liquidation (or any advance with respect thereto) of the last Mortgage Loan and REO Property remaining in the Trust Fund and (ii) the purchase by the party designated in the Agreement at a price determined as provided in the Agreement from the Trust Fund of all the Mortgage Loans and all property acquired in respect of such Mortgage Loans. The Agreement permits, but does not require, the party designated in the Agreement to purchase from the Trust Fund all the Mortgage Loans in the Collateral Pool relating to this Certificate and all
property acquired in respect of any Mortgage Loan in such Collateral Pool at a price determined as provided in the Agreement. The exercise of such right will effect early retirement of the Certificates relating to such Collateral Pool; however, such right to purchase is subject to the aggregate Stated Principal Balance of the Mortgage Loans in such Collateral Pool at the time of purchase being less than 5% of the aggregate principal balance of the Mortgage Loans in such Collateral Pool as of the Cut-off Date.

 

No transfer of this Certificate shall be made unless the transfer is made to a “qualified institutional buyer” as defined under Rule 144A under the Securities Act of 1933, as amended (the “1933 Act”), in a transaction that is exempt from the registration requirements of the 1933 Act and that does not require registration or qualification under applicable state securities laws. In the event that a transfer of this Certificate is to be made, the Certificate Registrar shall require receipt of written certifications from the Holder of the Certificate desiring to effect the transfer, and from such Holder's prospective transferee, substantially in the forms attached to the Agreement as Exhibit F-1. None of the Depositor or the Trustee is obligated to register or qualify the Class of Certificates
specified on the face hereof under the 1933 Act or any other securities law or to take any action not otherwise required under the Agreement to permit the transfer of such Certificates without registration or qualification. Any Holder desiring to effect a transfer of this Certificate shall be required to indemnify the Trustee, the Depositor, the Trust Administrator, the Certificate Registrar, the Paying Agent, the Authenticating Agent and the Master Servicer 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 to a 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 using Plan Assets to acquire this Certificate shall be made except in accordance with Section 5.02(c) of the Agreement.

 

The recitals contained herein shall be taken as statements of the Depositor, and the Trustee assumes no responsibility for their correctness.

 

Unless the certificate of authentication hereon has been executed by the Authenticating Agent, by manual signature, this Certificate shall not be entitled to any benefit under the Agreement or be valid for any purpose.

 

IN WITNESS WHEREOF, the Paying Agent has caused this Certificate to be duly executed.

 

Dated: October ___, 2006

 

	 	 	 	 	 	 	 	
CITIBANK, N.A., not in its individual capacity, but solely as Paying Agent

	 	 	 	 	 	 	 	 	 	 	 	 	 	 
	 	 	 	 	 	 	 	 	 	 	 	 	 	 
	 	 	 	 	 	 	 	
By:
	 
	 	 	 	 	 	 	 	 	
Authorized Officer

CERTIFICATE OF AUTHENTICATION

 

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

 

	 	 	 	 	 	 	 	
CITIGROUP MORTGAGE LOAN TRUST INC., MORTGAGE PASS THROUGH CERTIFICATES, SERIES 2006-AR7

 

CITIBANK, N.A., not in its individual capacity, but solely as Authenticating Agent

	 	 	 	 	 	 	 	 	 	 	 	 	 	 
	 	 	 	 	 	 	 	 	 	 	 	 	 	 
	 	 	 	 	 	 	 	
By:
	 
	 	 	 	 	 	 	 	 	
Authorized Officer

 

ABBREVIATIONS

 

The following abbreviations, when used in the inscription on the face of this instrument, shall be construed as though they were written out in full according to applicable laws or regulations:

 

	
TEN COM -
	
as tenants in common
	
UNIF GIFT MIN ACT - Custodian

	 	 	 	 
	
TEN ENT -
	
as tenants by the entireties
	
(Cust) (Minor) under

Uniform Gifts to Minors Act

	 	 	 	 
	
JT TEN -
	
as joint tenants with right of survivorship and not as tenants in common
	 	
State

Additional abbreviations may also be used though not in the above list.

 

ASSIGNMENT

 

FOR VALUE RECEIVED, the undersigned hereby sell(s), assign(s) and transfer(s) unto 

	 	 	 
	 	 	 

(Please print or typewrite name, address including postal zip code, and Taxpayer Identification Number of assignee) a Percentage Interest equal to ____% evidenced by the within Mortgage Pass-Through Certificates and hereby authorize(s) the registration of transfer of such interest to assignee on the Certificate Register of the Trust Fund.

 

I (we) further direct the Trustee to issue a new Certificate of a like Percentage Interest 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.
	 	 

 

EXHIBIT A-35

 

FORM OF CLASS 2-B5 CERTIFICATE

 

UNLESS THIS CERTIFICATE IS PRESENTED BY AN AUTHORIZED REPRESENTATIVE OF THE DEPOSITORY TRUST COMPANY, A NEW YORK CORPORATION (“DTC”), TO THE TRUSTEE 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.

 

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”).

 

NO TRANSFER OF THIS CERTIFICATE SHALL BE MADE TO ANY PLAN OR PERSON USING PLAN ASSETS EXCEPT IN ACCORDANCE WITH SECTION 5.02(C) OF THE POOLING AND SERVICING AGREEMENT REFERRED TO HEREIN.

 

THIS CERTIFICATE IS SUBORDINATE TO THE GROUP 2 SENIOR CERTIFICATES, THE CLASS 2-B1 CERTIFICATES, THE CLASS 2-B2 CERTIFICATES, THE CLASS 2-B3 CERTIFICATES AND THE CLASS 2-B4 CERTIFICATES TO THE EXTENT DESCRIBED IN THE POOLING AND SERVICING AGREEMENT REFERRED TO HEREIN.

 

	
Series 2006-AR7

 

Pass-Through Rate: Variable

 

Cut-off Date and date of Pooling and Servicing Agreement: October 1, 2006

 

First Distribution Date: November 25, 2006

 

No. 1
	
Aggregate Certificate Principal Balance of the Class 2-B5 Certificates as of the Issue Date: $2,256,000.00

 

Denomination: $2,256,000.00

 

Master Servicer: CitiMortgage, Inc.

 

Trust Administrator: CitiMortgage, Inc.

 

Certificate Registrar, Paying Agent and Authenticating Agent: Citibank, N.A.

 

Trustee: U.S. Bank National Association

 

Issue Date: October 31, 2006

 

CUSIP: 172987 BL 2

 

DISTRIBUTIONS IN REDUCTION OF THE CERTIFICATE PRINCIPAL BALANCE OF THIS CERTIFICATE MAY BE MADE MONTHLY AS SET FORTH HEREIN. ACCORDINGLY, THE OUTSTANDING CERTIFICATE PRINCIPAL BALANCE HEREOF AT ANY TIME MAY BE LESS THAN THE AMOUNT SHOWN ABOVE AS THE DENOMINATION OF THIS CERTIFICATE.

 

MORTGAGE PASS-THROUGH CERTIFICATE

 

evidencing a beneficial ownership interest in a Trust Fund (the “Trust Fund”) consisting primarily of a pool of conventional one- to four-family, adjustable-rate and fixed-rate, first lien mortgage loans (the “Mortgage Loans”) formed and sold by

 

CITIGROUP MORTGAGE LOAN TRUST INC.

 

THIS CERTIFICATE DOES NOT REPRESENT AN OBLIGATION OF OR INTEREST IN CITIGROUP MORTGAGE LOAN TRUST INC., THE MASTER SERVICER, THE TRUST ADMINISTRATOR, CITIBANK, N.A., THE TRUSTEE OR ANY OF THEIR RESPECTIVE AFFILIATES. NEITHER THIS CERTIFICATE NOR THE UNDERLYING MORTGAGE LOANS ARE GUARANTEED BY ANY AGENCY OR INSTRUMENTALITY OF THE UNITED STATES.

 

This certifies that Cede & Co. is the registered owner of a Percentage Interest (obtained by dividing the denomination of this Certificate by the aggregate Certificate Principal Balance of the Class 2-B5 Certificates as of the Issue Date) in that certain beneficial ownership interest evidenced by all the Class 2-B5 Certificates in the Trust Fund created pursuant to a Pooling and Servicing Agreement, dated as specified above (the “Agreement”), among Citigroup Mortgage Loan Trust Inc. (hereinafter called the “Depositor,” which term includes any successor entity under the Agreement), the Master Servicer, the Trust Administrator, Citibank, N.A. and 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, distributions 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 (a “Distribution Date”), commencing on the First Distribution Date specified above, to the Person in whose name this Certificate is registered on the Record Date, in an amount equal to the product of the Percentage Interest evidenced by this Certificate and the amount
required to be distributed to the Holders of Class 2-B5 Certificates on such Distribution Date pursuant to the Agreement.

 

All distributions to the Holder of this Certificate under the Agreement will be made or caused to be made by the Paying Agent by wire transfer in immediately available funds to the account of the Person entitled thereto if such Person shall have so notified the Paying Agent in writing at least five Business Days prior to the Record Date immediately prior to such Distribution Date or otherwise by check mailed by first class mail to the address of the Person entitled thereto, as such name and address shall appear on the Certificate Register. Notwithstanding the above, the final distribution on this Certificate will be made after due notice by the Paying Agent of the pendency of such distribution and only upon presentation and surrender of this Certificate at the office or agency appointed by the Paying Agent for
that purpose as provided in the Agreement.

 

This Certificate is one of a duly authorized issue of Certificates designated as Mortgage Pass-Through Certificates of the Series specified on the face hereof (herein called the “Certificates”) and representing the Percentage Interest specified above in the Class of Certificates to which this Certificate belongs.

 

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. As provided in the Agreement, withdrawals from the Collection Account and the Distribution Account may be made from time to time for purposes other than distributions to Certificateholders, such purposes including reimbursement of advances made, or certain expenses incurred, with respect to the Mortgage Loans.

 

The Agreement permits, with certain exceptions therein provided, the amendment thereof and the modification of the rights and obligations of the Depositor, the Master Servicer, the Trust Administrator, Citibank, N.A., the Trustee, and the rights of the Certificateholders, under the Agreement at any time by the Depositor, the Master Servicer, the Trust Administrator, Citibank, N.A., and the Trustee with the consent of the Holders of Certificates entitled to at least 66% of the Voting Rights. Any such consent by the Holder of this Certificate shall be conclusive and binding on such Holder and upon all future Holders of this Certificate and of any Certificate issued upon the transfer hereof or in exchange herefor or in lieu hereof whether or not notation of such consent is made upon this Certificate. The Agreement
also permits the amendment thereof, in certain limited circumstances, without the consent of the Holders of any of the Certificates.

 

As provided in the 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 Certificate Registrar as provided in the Agreement, duly endorsed by, or accompanied by an assignment in the form below or other written instrument of transfer in form satisfactory to 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 the same Class in authorized denominations evidencing the same aggregate Percentage Interest will be issued to the designated transferee or transferees.

 

The Certificates are issuable in fully registered form only without coupons in Classes and denominations representing Percentage Interests specified in the Agreement. As provided in the Agreement and subject to certain limitations therein set forth, the Certificates are exchangeable for new Certificates of the same Class in authorized denominations evidencing the same 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 of Certificates, but the Certificate Registrar may require payment of a sum sufficient to cover any tax or other governmental charge that may be imposed in connection with any transfer or exchange of Certificates.

 

The Depositor, the Master Servicer, the Trust Administrator, Citibank, N.A., the Trustee and any agent of the Depositor, the Master Servicer, the Trust Administrator, Citibank, N.A., or the Trustee may treat the Person in whose name this Certificate is registered as the owner hereof for all purposes, and none of the Depositor, the Master Servicer, the Trust Administrator, Citibank, N.A., the Trustee nor any such agent shall be affected by notice to the contrary.

 

The obligations created by the Agreement and the Trust Fund created thereby shall terminate upon payment to the Certificateholders of all amounts held by the Trustee and required to be paid to them pursuant to the Agreement following the earlier of (i) the final payment or other liquidation (or any advance with respect thereto) of the last Mortgage Loan and REO Property remaining in the Trust Fund and (ii) the purchase by the party designated in the Agreement at a price determined as provided in the Agreement from the Trust Fund of all the Mortgage Loans and all property acquired in respect of such Mortgage Loans. The Agreement permits, but does not require, the party designated in the Agreement to purchase from the Trust Fund all the Mortgage Loans in the Collateral Pool relating to this Certificate and all
property acquired in respect of any Mortgage Loan in such Collateral Pool at a price determined as provided in the Agreement. The exercise of such right will effect early retirement of the Certificates relating to such Collateral Pool; however, such right to purchase is subject to the aggregate Stated Principal Balance of the Mortgage Loans in such Collateral Pool at the time of purchase being less than 5% of the aggregate principal balance of the Mortgage Loans in such Collateral Pool as of the Cut-off Date.

 

No transfer of this Certificate shall be made unless the transfer is made to a “qualified institutional buyer” as defined under Rule 144A under the Securities Act of 1933, as amended (the “1933 Act”), in a transaction that is exempt from the registration requirements of the 1933 Act and that does not require registration or qualification under applicable state securities laws. In the event that a transfer of this Certificate is to be made, the Certificate Registrar shall require receipt of written certifications from the Holder of the Certificate desiring to effect the transfer, and from such Holder's prospective transferee, substantially in the forms attached to the Agreement as Exhibit F-1. None of the Depositor or the Trustee is obligated to register or qualify the Class of Certificates
specified on the face hereof under the 1933 Act or any other securities law or to take any action not otherwise required under the Agreement to permit the transfer of such Certificates without registration or qualification. Any Holder desiring to effect a transfer of this Certificate shall be required to indemnify the Trustee, the Depositor, the Trust Administrator, the Certificate Registrar, the Paying Agent, the Authenticating Agent and the Master Servicer 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 to a 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 using Plan Assets to acquire this Certificate shall be made except in accordance with Section 5.02(c) of the Agreement.

 

The recitals contained herein shall be taken as statements of the Depositor, and the Trustee assumes no responsibility for their correctness.

 

Unless the certificate of authentication hereon has been executed by the Authenticating Agent, by manual signature, this Certificate shall not be entitled to any benefit under the Agreement or be valid for any purpose.

 

IN WITNESS WHEREOF, the Paying Agent has caused this Certificate to be duly executed.

 

Dated: October ___, 2006

 

	 	 	 	 	 	 	 	
CITIBANK, N.A., not in its individual capacity, but solely as Paying Agent

	 	 	 	 	 	 	 	 	 	 	 	 	 	 
	 	 	 	 	 	 	 	 	 	 	 	 	 	 
	 	 	 	 	 	 	 	
By:
	 
	 	 	 	 	 	 	 	 	
Authorized Officer

CERTIFICATE OF AUTHENTICATION

 

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

 

	 	 	 	 	 	 	 	
CITIGROUP MORTGAGE LOAN TRUST INC., MORTGAGE PASS THROUGH CERTIFICATES, SERIES 2006-AR7

 

CITIBANK, N.A., not in its individual capacity, but solely as Authenticating Agent

	 	 	 	 	 	 	 	 	 	 	 	 	 	 
	 	 	 	 	 	 	 	 	 	 	 	 	 	 
	 	 	 	 	 	 	 	
By:
	 
	 	 	 	 	 	 	 	 	
Authorized Officer

 

ABBREVIATIONS

 

The following abbreviations, when used in the inscription on the face of this instrument, shall be construed as though they were written out in full according to applicable laws or regulations:

 

	
TEN COM -
	
as tenants in common
	
UNIF GIFT MIN ACT - Custodian

	 	 	 	 
	
TEN ENT -
	
as tenants by the entireties
	
(Cust) (Minor) under

Uniform Gifts to Minors Act

	 	 	 	 
	
JT TEN -
	
as joint tenants with right of survivorship and not as tenants in common
	 	
State

Additional abbreviations may also be used though not in the above list.

 

ASSIGNMENT

 

FOR VALUE RECEIVED, the undersigned hereby sell(s), assign(s) and transfer(s) unto 

	 	 	 
	 	 	 

(Please print or typewrite name, address including postal zip code, and Taxpayer Identification Number of assignee) a Percentage Interest equal to ____% evidenced by the within Mortgage Pass-Through Certificates and hereby authorize(s) the registration of transfer of such interest to assignee on the Certificate Register of the Trust Fund.

 

I (we) further direct the Trustee to issue a new Certificate of a like Percentage Interest 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.
	 	 

 

EXHIBIT A-36

 

FORM OF CLASS 2-B6 CERTIFICATE

 

UNLESS THIS CERTIFICATE IS PRESENTED BY AN AUTHORIZED REPRESENTATIVE OF THE DEPOSITORY TRUST COMPANY, A NEW YORK CORPORATION (“DTC”), TO THE TRUSTEE 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.

 

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”).

 

NO TRANSFER OF THIS CERTIFICATE SHALL BE MADE TO ANY PLAN OR PERSON USING PLAN ASSETS EXCEPT IN ACCORDANCE WITH SECTION 5.02(C) OF THE POOLING AND SERVICING AGREEMENT REFERRED TO HEREIN.

 

THIS CERTIFICATE IS SUBORDINATE TO THE GROUP 2 SENIOR CERTIFICATES, THE CLASS 2-B1 CERTIFICATES, THE CLASS 2-B2 CERTIFICATES, THE CLASS 2-B3 CERTIFICATES, THE CLASS 2-B4 CERTIFICATES AND THE CLASS 2-B5 CERTIFICATES TO THE EXTENT DESCRIBED IN THE POOLING AND SERVICING AGREEMENT REFERRED TO HEREIN.

 

	
Series 2006-AR7

 

Pass-Through Rate: Variable

 

Cut-off Date and date of Pooling and Servicing Agreement: October 1, 2006

 

First Distribution Date: November 25, 2006

 

No. 1
	
Aggregate Certificate Principal Balance of the Class 2-B6 Certificates as of the Issue Date: $2,005,821.00

 

Denomination: $2,005,821.00

 

Master Servicer: CitiMortgage, Inc.

 

Trust Administrator: CitiMortgage, Inc.

 

Certificate Registrar, Paying Agent and Authenticating Agent: Citibank, N.A.

 

Trustee: U.S. Bank National Association

 

Issue Date: October 31, 2006

 

CUSIP: 172987 BM 0

 

DISTRIBUTIONS IN REDUCTION OF THE CERTIFICATE PRINCIPAL BALANCE OF THIS CERTIFICATE MAY BE MADE MONTHLY AS SET FORTH HEREIN. ACCORDINGLY, THE OUTSTANDING CERTIFICATE PRINCIPAL BALANCE HEREOF AT ANY TIME MAY BE LESS THAN THE AMOUNT SHOWN ABOVE AS THE DENOMINATION OF THIS CERTIFICATE.

 

 

MORTGAGE PASS-THROUGH CERTIFICATE

 

evidencing a beneficial ownership interest in a Trust Fund (the “Trust Fund”) consisting primarily of a pool of conventional one- to four-family, adjustable-rate and fixed-rate, first lien mortgage loans (the “Mortgage Loans”) formed and sold by

 

CITIGROUP MORTGAGE LOAN TRUST INC.

 

THIS CERTIFICATE DOES NOT REPRESENT AN OBLIGATION OF OR INTEREST IN CITIGROUP MORTGAGE LOAN TRUST INC., THE MASTER SERVICER, THE TRUST ADMINISTRATOR, CITIBANK, N.A. THE TRUSTEE OR ANY OF THEIR RESPECTIVE AFFILIATES. NEITHER THIS CERTIFICATE NOR THE UNDERLYING MORTGAGE LOANS ARE GUARANTEED BY ANY AGENCY OR INSTRUMENTALITY OF THE UNITED STATES.

 

This certifies that Cede & Co. is the registered owner of a Percentage Interest (obtained by dividing the denomination of this Certificate by the aggregate Certificate Principal Balance of the Class 2-B6 Certificates as of the Issue Date) in that certain beneficial ownership interest evidenced by all the Class 2-B6 Certificates in the Trust Fund created pursuant to a Pooling and Servicing Agreement, dated as specified above (the “Agreement”), among Citigroup Mortgage Loan Trust Inc. (hereinafter called the “Depositor,” which term includes any successor entity under the Agreement), the Master Servicer, the Trust Administrator, Citibank, N.A. and 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, distributions 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 (a “Distribution Date”), commencing on the First Distribution Date specified above, to the Person in whose name this Certificate is registered on the Record Date, in an amount equal to the product of the Percentage Interest evidenced by this Certificate and the amount
required to be distributed to the Holders of Class 2-B6 Certificates on such Distribution Date pursuant to the Agreement.

 

All distributions to the Holder of this Certificate under the Agreement will be made or caused to be made by the Paying Agent by wire transfer in immediately available funds to the account of the Person entitled thereto if such Person shall have so notified the Paying Agent in writing at least five Business Days prior to the Record Date immediately prior to such Distribution Date or otherwise by check mailed by first class mail to the address of the Person entitled thereto, as such name and address shall appear on the Certificate Register. Notwithstanding the above, the final distribution on this Certificate will be made after due notice by the Paying Agent of the pendency of such distribution and only upon presentation and surrender of this Certificate at the office or agency appointed by the Paying Agent for
that purpose as provided in the Agreement.

 

This Certificate is one of a duly authorized issue of Certificates designated as Mortgage Pass-Through Certificates of the Series specified on the face hereof (herein called the “Certificates”) and representing the Percentage Interest specified above in the Class of Certificates to which this certificate belongs.

 

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. As provided in the Agreement, withdrawals from the Collection Account and the Distribution Account may be made from time to time for purposes other than distributions to Certificateholders, such purposes including reimbursement of advances made, or certain expenses incurred, with respect to the Mortgage Loans.

 

The Agreement permits, with certain exceptions therein provided, the amendment thereof and the modification of the rights and obligations of the Depositor, the Master Servicer, the Trust Administrator, Citibank, N.A., the Trustee, and the rights of the Certificateholders, under the Agreement at any time by the Depositor, the Master Servicer, the Trust Administrator, Citibank, N.A., and the Trustee with the consent of the Holders of Certificates entitled to at least 66% of the Voting Rights. Any such consent by the Holder of this Certificate shall be conclusive and binding on such Holder and upon all future Holders of this Certificate and of any Certificate issued upon the transfer hereof or in exchange herefor or in lieu hereof whether or not notation of such consent is made upon this Certificate. The Agreement
also permits the amendment thereof, in certain limited circumstances, without the consent of the Holders of any of the Certificates.

 

As provided in the 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 Certificate Registrar as provided in the Agreement, duly endorsed by, or accompanied by an assignment in the form below or other written instrument of transfer in form satisfactory to 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 the same Class in authorized denominations evidencing the same aggregate Percentage Interest will be issued to the designated transferee or transferees.

 

The Certificates are issuable in fully registered form only without coupons in Classes and denominations representing Percentage Interests specified in the Agreement. As provided in the Agreement and subject to certain limitations therein set forth, the Certificates are exchangeable for new Certificates of the same Class in authorized denominations evidencing the same 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 of Certificates, but the Certificate Registrar may require payment of a sum sufficient to cover any tax or other governmental charge that may be imposed in connection with any transfer or exchange of Certificates.

 

The Depositor, the Master Servicer, the Trust Administrator, Citibank, N.A., the Trustee and any agent of the Depositor, the Master Servicer, the Trust Administrator, Citibank, N.A., or the Trustee may treat the Person in whose name this Certificate is registered as the owner hereof for all purposes, and none of the Depositor, the Master Servicer, the Trust Administrator, Citibank, N.A., the Trustee nor any such agent shall be affected by notice to the contrary.

 

The obligations created by the Agreement and the Trust Fund created thereby shall terminate upon payment to the Certificateholders of all amounts held by the Trustee and required to be paid to them pursuant to the Agreement following the earlier of (i) the final payment or other liquidation (or any advance with respect thereto) of the last Mortgage Loan and REO Property remaining in the Trust Fund and (ii) the purchase by the party designated in the Agreement at a price determined as provided in the Agreement from the Trust Fund of all the Mortgage Loans and all property acquired in respect of such Mortgage Loans. The Agreement permits, but does not require, the party designated in the Agreement to purchase from the Trust Fund all the Mortgage Loans in the Collateral Pool relating to this Certificate and all
property acquired in respect of any Mortgage Loan in such Collateral Pool at a price determined as provided in the Agreement. The exercise of such right will effect early retirement of the Certificates relating to such Collateral Pool; however, such right to purchase is subject to the aggregate Stated Principal Balance of the Mortgage Loans in such Collateral Pool at the time of purchase being less than 5% of the aggregate principal balance of the Mortgage Loans in such Collateral Pool as of the Cut-off Date.

 

No transfer of this Certificate shall be made unless the transfer is made to a “qualified institutional buyer” as defined under Rule 144A under the Securities Act of 1933, as amended (the “1933 Act”), in a transaction that is exempt from the registration requirements of the 1933 Act and that does not require registration or qualification under applicable state securities laws. In the event that a transfer of this Certificate is to be made, the Certificate Registrar shall require receipt of written certifications from the Holder of the Certificate desiring to effect the transfer, and from such Holder's prospective transferee, substantially in the forms attached to the Agreement as Exhibit F-1. None of the Depositor or the Trustee is obligated to register or qualify the Class of Certificates
specified on the face hereof under the 1933 Act or any other securities law or to take any action not otherwise required under the Agreement to permit the transfer of such Certificates without registration or qualification. Any Holder desiring to effect a transfer of this Certificate shall be required to indemnify the Trustee, the Depositor, the Trust Administrator, the Certificate Registrar, the Paying Agent, the Authenticating Agent and the Master Servicer 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 to a 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 using Plan Assets to acquire this Certificate shall be made except in accordance with Section 5.02(c) of the Agreement.

 

The recitals contained herein shall be taken as statements of the Depositor, and the Trustee assumes no responsibility for their correctness.

 

Unless the certificate of authentication hereon has been executed by the Authenticating Agent, by manual signature, this Certificate shall not be entitled to any benefit under the Agreement or be valid for any purpose.

 

IN WITNESS WHEREOF, the Paying Agent has caused this Certificate to be duly executed.

 

Dated: October ___, 2006

 

	 	 	 	 	 	 	 	
CITIBANK, N.A., not in its individual capacity, but solely as Paying Agent

	 	 	 	 	 	 	 	 	 	 	 	 	 	 
	 	 	 	 	 	 	 	 	 	 	 	 	 	 
	 	 	 	 	 	 	 	
By:
	 
	 	 	 	 	 	 	 	 	
Authorized Officer

CERTIFICATE OF AUTHENTICATION

 

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

 

	 	 	 	 	 	 	 	
CITIGROUP MORTGAGE LOAN TRUST INC., MORTGAGE PASS THROUGH CERTIFICATES, SERIES 2006-AR7

 

CITIBANK, N.A., not in its individual capacity, but solely as Authenticating Agent

	 	 	 	 	 	 	 	 	 	 	 	 	 	 
	 	 	 	 	 	 	 	 	 	 	 	 	 	 
	 	 	 	 	 	 	 	
By:
	 
	 	 	 	 	 	 	 	 	
Authorized Officer

 

ABBREVIATIONS

 

The following abbreviations, when used in the inscription on the face of this instrument, shall be construed as though they were written out in full according to applicable laws or regulations:

 

	
TEN COM -
	
as tenants in common
	
UNIF GIFT MIN ACT - Custodian

	 	 	 	 
	
TEN ENT -
	
as tenants by the entireties
	
(Cust) (Minor) under

Uniform Gifts to Minors Act

	 	 	 	 
	
JT TEN -
	
as joint tenants with right of survivorship and not as tenants in common
	 	
State

Additional abbreviations may also be used though not in the above list.

 

ASSIGNMENT

 

FOR VALUE RECEIVED, the undersigned hereby sell(s), assign(s) and transfer(s) unto 

	 	 	 
	 	 	 

(Please print or typewrite name, address including postal zip code, and Taxpayer Identification Number of assignee) a Percentage Interest equal to ____% evidenced by the within Mortgage Pass-Through Certificates and hereby authorize(s) the registration of transfer of such interest to assignee on the Certificate Register of the Trust Fund.

 

I (we) further direct the Trustee to issue a new Certificate of a like Percentage Interest 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.
	 	 

EXHIBIT A-37

 

FORM OF CLASS 2-P 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 (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 THAT ARE EXEMPT FROM REGISTRATION UNDER SUCH ACT AND UNDER APPLICABLE STATE LAW AND IS TRANSFERRED IN ACCORDANCE WITH THE PROVISIONS OF SECTION 5.02 OF THE AGREEMENT.

 

NO TRANSFER OF THIS CERTIFICATE TO AN EMPLOYEE BENEFIT PLAN OR OTHER RETIREMENT ARRANGEMENT SUBJECT TO THE EMPLOYEE RETIREMENT INCOME SECURITY ACT OF 1974, AS AMENDED, OR THE CODE WILL BE REGISTERED EXCEPT IN COMPLIANCE WITH THE PROCEDURES DESCRIBED HEREIN.

 

	
Series: 2006-AR7
	
Aggregate Certificate Principal Balance of the Class 2-P Certificates as of the Issue Date: $100.00

	 	 
	
Cut-off Date and date of Pooling and Servicing Agreement: October 1, 2006
	
Denomination: $100.00

	 	 
	
First Distribution Date: November 25, 2006
	
Master Servicer: CitiMortgage, Inc.

	 	 
	
No. 1
	
Trust Administrator: CitiMortgage, Inc.

	 	 
	 	
Certificate Registrar, Paying Agent and Authenticating Agent: Citibank, N.A.

	 	 
	 	
Trustee: U.S. Bank National Association

	 	 

DISTRIBUTIONS IN REDUCTION OF THE CERTIFICATE PRINCIPAL BALANCE OF THIS CERTIFICATE MAY BE MADE MONTHLY AS SET FORTH HEREIN. ACCORDINGLY, THE OUTSTANDING CERTIFICATE PRINCIPAL BALANCE HEREOF AT ANY TIME MAY BE LESS THAN THE AMOUNT SHOWN ABOVE AS THE DENOMINATION OF THIS CERTIFICATE.

 

ASSET BACKED PASS-THROUGH CERTIFICATE

 

evidencing a beneficial ownership interest in a Trust Fund (the “Trust Fund”) consisting primarily of a pool of conventional one- to four-family, fixed-rate, first lien mortgage loans (the “Mortgage Loans”) formed and sold by

 

CITIGROUP MORTGAGE LOAN TRUST INC.

 

THIS CERTIFICATE DOES NOT REPRESENT AN OBLIGATION OF OR INTEREST IN CITIGROUP MORTGAGE LOAN TRUST INC., THE SERVICER, THE TRUST ADMINISTRATOR, THE TRUSTEE OR ANY OF THEIR RESPECTIVE AFFILIATES. NEITHER THIS CERTIFICATE NOR THE UNDERLYING MORTGAGE LOANS ARE GUARANTEED BY ANY AGENCY OR INSTRUMENTALITY OF THE UNITED STATES.

 

This certifies that Citigroup Global Markets Inc. is the registered owner of a Percentage Interest (obtained by dividing the denomination of this Certificate by the aggregate Certificate Principal Balance of the Class 2-P Certificates as of the Issue Date) in that certain beneficial ownership interest evidenced by all the Class 2-P Certificates in the Trust Fund created pursuant to a Pooling and Servicing Agreement, dated as specified above (the “Agreement”), among Citigroup Mortgage Loan Trust Inc. (hereinafter called the “Depositor,” which term includes any successor entity under the Agreement), the Master Servicer, the Trust Administrator, Citibank, N.A. and 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, distributions 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 (a “Distribution Date”), commencing on the First Distribution Date specified above, to the Person in whose name this Certificate is registered on the Record Date, in an amount equal to the product of the Percentage Interest evidenced by this Certificate and the amount
required to be distributed to the Holders of Class 2-P Certificates on such Distribution Date pursuant to the Agreement.

 

All distributions to the Holder of this Certificate under the Agreement will be made or caused to be made by the Paying Agent by wire transfer in immediately available funds to the account of the Person entitled thereto if such Person shall have so notified the Paying Agent in writing at least five Business Days prior to the Record Date immediately prior to such Distribution Date or otherwise by check mailed by first class mail to the address of the Person entitled thereto, as such name and address shall appear on the Certificate Register. Notwithstanding the above, the final distribution on this Certificate will be made after due notice by the Paying Agent of the pendency of such distribution and only upon presentation and surrender of this Certificate at the office or agency appointed by the Paying Agent for
that purpose as provided in the Agreement.

 

This Certificate is one of a duly authorized issue of Certificates designated as Asset Backed Pass-Through Certificates of the Series specified on the face hereof (herein called the “Certificates”) and representing the Percentage Interest specified above in the Class of Certificates to which the Certificate belongs.

 

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. As provided in the Agreement, withdrawals from the Collection Account and the Distribution Account may be made from time to time for purposes other than distributions to Certificateholders, such purposes including reimbursement of advances made, or certain expenses incurred, with respect to the Mortgage Loans.

 

The Agreement permits, with certain exceptions therein provided, the amendment thereof and the modification of the rights and obligations of the Depositor, the Master Servicer, the Trust Administrator, Citibank, N.A., the Trustee, and the rights of the Certificateholders, under the Agreement at any time by the Depositor, the Master Servicer, the Trust Administrator, Citibank, N.A. and the Trustee with the consent of the Holders of Certificates entitled to at least 66% of the Voting Rights. Any such consent by the Holder of this Certificate shall be conclusive and binding on such Holder and upon all future Holders of this Certificate and of any Certificate issued upon the transfer hereof or in exchange herefor or in lieu hereof whether or not notation of such consent is made upon this Certificate. The Agreement
also permits the amendment thereof, in certain limited circumstances, without the consent of the Holders of any of the Certificates.

 

As provided in the 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 Certificate Registrar as provided in the Agreement, duly endorsed by, or accompanied by an assignment in the form below or other written instrument of transfer in form satisfactory to 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 the same Class in authorized denominations evidencing the same aggregate Percentage Interest will be issued to the designated transferee or transferees.

 

No transfer of this Certificate shall be made unless the transfer is made pursuant to an effective registration statement under the Securities Act of 1933, as amended (the “1933 Act”), and an effective registration or qualification under applicable state securities laws, or is made in a transaction that does not require such registration or qualification. In the event that such a transfer of this Certificate is to be made without registration or qualification, the Trust Administrator shall require receipt of (i) if such transfer is purportedly being made in reliance upon Rule 144A under the 1933 Act, written certifications from the Holder of the Certificate desiring to effect the transfer, and from such Holder’s prospective transferee, substantially in the forms attached to the Agreement as
Exhibit F-1, and (ii) in all other cases, an Opinion of Counsel satisfactory to it that such transfer may be made without such registration or qualification (which Opinion of Counsel shall not be an expense of the Trust Fund or of the Depositor, the Trustee, the Trust Administrator or the Servicer in their respective capacities as such), together with copies of the written certification(s) of the Holder of the Certificate desiring to effect the transfer and/or such Holder’s prospective transferee upon which such Opinion of Counsel is based. None of the Depositor or the Trustee is obligated to register or qualify the Class of Certificates specified on the face hereof under the 1933 Act or any other securities law or to take any action not otherwise required under the Agreement to permit the transfer of such Certificates without registration or qualification. Any Holder desiring to effect a transfer of this Certificate shall be required to indemnify the Trustee, the Trust Administrator, the
Depositor, the Master Servicer, Citibank, N.A. and any Sub-Servicer 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 to a 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 using “Plan Assets” to acquire this Certificate shall be made except in accordance with Section 5.02(b) of the Agreement.

 

The Certificates are issuable in fully registered form only without coupons in Classes and denominations representing Percentage Interests specified in the Agreement. As provided in the Agreement and subject to certain limitations therein set forth, the Certificates are exchangeable for new Certificates of the same Class in authorized denominations evidencing the same 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 of Certificates, but the Certificate Registrar may require payment of a sum sufficient to cover any tax or other governmental charge that may be imposed in connection with any transfer or exchange of Certificates.

 

The Depositor, the Master Servicer, the Trust Administrator, Citibank, N.A., the Trustee and any agent of the Depositor, the Master Servicer, the Trust Administrator, Citibank, N.A. or the Trustee may treat the Person in whose name this Certificate is registered as the owner hereof for all purposes, and none of the Depositor, the Master Servicer, the Trust Administrator, Citibank, N.A., the Trustee, nor any such agent shall be affected by notice to the contrary.

 

The obligations created by the Agreement and the Trust Fund created thereby shall terminate upon payment to the Certificateholders of all amounts held by the Trustee and required to be paid to them pursuant to the Agreement following the earlier of (i) the final payment or other liquidation (or any advance with respect thereto) of the last Mortgage Loan and REO Property remaining in the Trust Fund and (ii) the purchase by the party designated in the Agreement at a price determined as provided in the Agreement from the Trust Fund of all the Mortgage Loans and all property acquired in respect of such Mortgage Loans. The Agreement permits, but does not require, the party designated in the Agreement to purchase from the Trust Fund all the Mortgage Loans in the Collateral Pool relating to this Certificate and all
property acquired in respect of any Mortgage Loan in such Collateral Pool at a price determined as provided in the Agreement. The exercise of such right will effect early retirement of the Certificates relating to such Collateral Pool; however, such right to purchase is subject to the aggregate Stated Principal Balance of the Mortgage Loans in such Collateral Pool at the time of purchase being less than 5% of the aggregate principal balance of the Mortgage Loans in such Collateral Pool as of the Cut-off Date.

 

The recitals contained herein shall be taken as statements of the Depositor and the Trustee assumes no responsibility for their correctness.

 

Unless the certificate of authentication hereon has been executed by the Authenticating Agent, by manual signature, this Certificate shall not be entitled to any benefit under the Agreement or be valid for any purpose.

 

IN WITNESS WHEREOF, the Paying Agent has caused this Certificate to be duly executed.

 

Dated: October ___, 2006

 

	 	 	 	 	 	 	 	
CITIBANK, N.A., not in its individual capacity, but solely as Paying Agent

	 	 	 	 	 	 	 	 	 	 	 	 	 	 
	 	 	 	 	 	 	 	 	 	 	 	 	 	 
	 	 	 	 	 	 	 	
By:
	 
	 	 	 	 	 	 	 	 	
Authorized Officer

CERTIFICATE OF AUTHENTICATION

 

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

 

	 	 	 	 	 	 	 	
CITIGROUP MORTGAGE LOAN TRUST INC., MORTGAGE PASS THROUGH CERTIFICATES, SERIES 2006-AR7

 

CITIBANK, N.A., not in its individual capacity, but solely as Authenticating Agent

	 	 	 	 	 	 	 	 	 	 	 	 	 	 
	 	 	 	 	 	 	 	 	 	 	 	 	 	 
	 	 	 	 	 	 	 	
By:
	 
	 	 	 	 	 	 	 	 	
Authorized Officer

 

ABBREVIATIONS

 

The following abbreviations, when used in the inscription on the face of this instrument, shall be construed as though they were written out in full according to applicable laws or regulations:

 

	
TEN COM -
	
as tenants in common
	
UNIF GIFT MIN ACT - Custodian

	 	 	 	 
	
TEN ENT -
	
as tenants by the entireties
	
(Cust) (Minor) under

Uniform Gifts to Minors Act

	 	 	 	 
	
JT TEN -
	
as joint tenants with right of survivorship and not as tenants in common
	 	
State

 

Additional abbreviations may also be used though not in the above list.

 

ASSIGNMENT

 

FOR VALUE RECEIVED, the undersigned hereby sell(s), assign(s) and transfer(s) unto ________________________________________________________________ 

	 
	 

(Please print or typewrite name, address including postal zip code, and Taxpayer Identification Number of assignee) a Percentage Interest equal to ____% evidenced by the within Asset Backed Pass-Through Certificates and hereby authorize(s) the registration of transfer of such interest to assignee on the Certificate Register of the Trust Fund.

 

I (we) further direct the Trustee to issue a new Certificate of a like Percentage Interest 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.

 

EXHIBIT A-38

 

FORM OF CLASS 2-R CERTIFICATE

 

THIS CERTIFICATE MAY NOT BE TRANSFERRED TO A NON-UNITED STATES PERSON.

 

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

 

ANY RESALE, TRANSFER OR OTHER DISPOSITION OF THIS CERTIFICATE MAY BE MADE ONLY IN ACCORDANCE WITH THE PROVISIONS OF SECTION 5.02 OF THE POOLING AND SERVICING AGREEMENT REFERRED TO HEREIN.

 

NO TRANSFER OF THIS CERTIFICATE TO AN EMPLOYEE BENEFIT PLAN OR OTHER RETIREMENT ARRANGEMENT (EACH A “PLAN”) SUBJECT TO THE EMPLOYEE RETIREMENT INCOME SECURITY ACT OF 1974, AS AMENDED (“ERISA”), OR THE CODE WILL BE REGISTERED EXCEPT IN COMPLIANCE WITH THE PROCEDURES DESCRIBED HEREIN.

 

ANY RESALE, TRANSFER OR OTHER DISPOSITION OF THIS CERTIFICATE MAY BE MADE ONLY IF THE PROPOSED TRANSFEREE PROVIDES (I) AN AFFIDAVIT TO THE TRUSTEE THAT (A) SUCH TRANSFEREE IS NOT (1) THE UNITED STATES OR ANY POSSESSION THEREOF, ANY STATE OR POLITICAL SUBDIVISION THEREOF, ANY FOREIGN GOVERNMENT, ANY INTERNATIONAL ORGANIZATION, OR ANY AGENCY OR INSTRUMENTALITY OF ANY OF THE FOREGOING, (2) ANY ORGANIZATION (OTHER THAN A COOPERATIVE DESCRIBED IN SECTION 521 OF THE CODE) THAT 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, (3) ANY ORGANIZATION DESCRIBED IN SECTION 1381(A)(2)(C) OF THE CODE (ANY SUCH PERSON DESCRIBED IN THE FOREGOING CLAUSES (1), (2) OR (3) SHALL HEREINAFTER BE REFERRED TO AS A “DISQUALIFIED
ORGANIZATION”) OR (4) AN AGENT OF A DISQUALIFIED ORGANIZATION AND (B) NO PURPOSE OF SUCH TRANSFER IS TO IMPEDE THE ASSESSMENT OR COLLECTION OF TAX, AND (II) SUCH TRANSFEREE SATISFIES CERTAIN ADDITIONAL CONDITIONS RELATING TO THE FINANCIAL CONDITION OF THE PROPOSED TRANSFEREE. NOTWITHSTANDING THE REGISTRATION IN THE CERTIFICATE REGISTER OF 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 HEREOF SHALL BE DEEMED TO HAVE CONSENTED TO THE PROVISIONS OF THIS PARAGRAPH AND THE PROVISIONS OF SECTION 5.02(C) OF THE POOLING AND SERVICING AGREEMENT REFERRED TO HEREIN. ANY PERSON THAT IS A DISQUALIFIED ORGANIZATION IS PROHIBITED FROM
ACQUIRING BENEFICIAL OWNERSHIP OF THIS CERTIFICATE.

 

	
Series 2006-AR7

 

Pass-Through Rate: Variable

 

Cut-off Date and date of Pooling and Servicing Agreement: October 1, 2006

 

First Distribution Date: November 25, 2006

 

No.1 
	
Aggregate Certificate Principal Balance of the Class 2-R Certificates as of the Issue Date: $100.24

 

Denomination: $100.24

 

Master Servicer: CitiMortgage, Inc.

 

Trust Administrator: CitiMortgage, Inc.

 

Certificate Registrar, Paying Agent and Authenticating Agent: Citibank, N.A.

 

Trustee: U.S. Bank National Association

 

Issue Date: October 31, 2006

 

CUSIP: 172987 BN 8

MORTGAGE PASS-THROUGH CERTIFICATE

 

evidencing a beneficial ownership interest in a Trust Fund (the “Trust Fund”) consisting primarily of a pool of conventional one- to four-family, adjustable-rate and fixed-rate, first lien mortgage loans (the “Mortgage Loans”) formed and sold by

 

CITIGROUP MORTGAGE LOAN TRUST INC.

 

THIS CERTIFICATE DOES NOT REPRESENT AN OBLIGATION OF OR INTEREST IN CITIGROUP MORTGAGE LOAN TRUST INC., THE MASTER SERVICER, THE TRUSTEE, THE TRUST ADMINSITRATOR, CITIBANK, N.A. OR ANY OF THEIR RESPECTIVE AFFILIATES. NEITHER THIS CERTIFICATE NOR THE UNDERLYING MORTGAGE LOANS ARE GUARANTEED BY ANY AGENCY OR INSTRUMENTALITY OF THE UNITED STATES.

 

This certifies that Citigroup Global Markets, Inc. is the registered owner of the Percentage Interest evidenced by this Certificate specified above in that certain beneficial ownership interest evidenced by all the Class 2-R Certificates in the Trust Fund created pursuant to a Pooling and Servicing Agreement, dated as specified above (the “Agreement”), among Citigroup Mortgage Loan Trust Inc. (hereinafter called the “Depositor,” which term includes any successor entity under the Agreement), the Master Servicer, the Trust Administrator, Citibank, N.A. and 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, distributions 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 (a “Distribution Date”), commencing on the First Distribution Date specified above, to the Person in whose name this Certificate is registered on the Record Date, in an amount equal to the product of the Percentage Interest evidenced by this Certificate and the amount
required to be distributed to the Holders of Class 2-R Certificates on such Distribution Date pursuant to the Agreement.

 

All distributions to the Holder of this Certificate under the Agreement will be made or caused to be made by the Paying Agent by wire transfer in immediately available funds to the account of the Person entitled thereto if such Person shall have so notified the Paying Agent in writing at least five Business Days prior to the Record Date immediately prior to such Distribution Date or otherwise by check mailed by first class mail to the address of the Person entitled thereto, as such name and address shall appear on the Certificate Register. Notwithstanding the above, the final distribution on this Certificate will be made after due notice by the Paying Agent of the pendency of such distribution and only upon presentation and surrender of this Certificate at the office or agency appointed by the Paying Agent for
that purpose as provided in the Agreement.

 

This Certificate is one of a duly authorized issue of Certificates designated as Mortgage Pass-Through Certificates of the Series specified on the face hereof (herein called the “Certificates”) and representing the Percentage Interest specified above in the Class of Certificates to which this Certificate belongs.

 

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. As provided in the Agreement, withdrawals from the Collection Account and the Distribution Account may be made from time to time for purposes other than distributions to Certificateholders, such purposes including reimbursement of advances made, or certain expenses incurred, with respect to the Mortgage Loans.

 

The Agreement permits, with certain exceptions therein provided, the amendment thereof and the modification of the rights and obligations of the Depositor, the Master Servicer, the Trust Administrator, Citibank, N.A. and the Trustee and the rights of the Certificateholders, under the Agreement at any time by the Depositor, the Master Servicer, the Trust Administrator, Citibank, N.A. and the Trustee with the consent of the Holders of Certificates entitled to at least 66% of the Voting Rights. Any such consent by the Holder of this Certificate shall be conclusive and binding on such Holder and upon all future Holders of this Certificate and of any Certificate issued upon the transfer hereof or in exchange herefor or in lieu hereof whether or not notation of such consent is made upon this Certificate. The
Agreement also permits the amendment thereof, in certain limited circumstances, without the consent of the Holders of any of the Certificates.

 

As provided in the 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 Certificate Registrar as provided in the Agreement, duly endorsed by, or accompanied by an assignment in the form below or other written instrument of transfer in form satisfactory to 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 the same Class in authorized denominations evidencing the same aggregate Percentage Interest will be issued to the designated transferee or transferees.

 

No transfer of this Certificate to a 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 using “Plan Assets” to acquire this Certificate shall be made except in accordance with Section 5.02(c) of the Agreement.

 

The Certificates are issuable in fully registered form only without coupons in Classes and denominations representing Percentage Interests specified in the Agreement. As provided in the Agreement and subject to certain limitations therein set forth, the Certificates are exchangeable for new Certificates of the same Class in authorized denominations evidencing the same 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 of Certificates, but the Certificate Registrar may require payment of a sum sufficient to cover any tax or other governmental charge that may be imposed in connection with any transfer or exchange of Certificates.

Prior to registration of any transfer, sale or other disposition of this Certificate, the proposed transferee shall provide to the Certificate Registrar (i) an affidavit to the effect that such transferee is any Person other than a Disqualified Organization or the agent (including a broker, nominee or middleman) of a Disqualified Organization, and (ii) a certificate that acknowledges that (A) the Class 2-R Certificates have been designated as a residual interest in a REMIC, (B) it will include in its income a pro rata share of the net income of the Trust Fund and that such income may be an “excess inclusion,” as defined in the
Code, that, with certain exceptions, cannot be offset by other losses or benefits from any tax exemption, and (C) it expects to have the financial means to satisfy all of its tax obligations including those relating to holding the Class R Certificates. Notwithstanding the registration in the Certificate Register of any transfer, sale or other disposition of this Certificate to a Disqualified Organization or an agent (including a broker, nominee or middleman) 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, including, but not limited to, the receipt of distributions in respect of this Certificate.

 

The Holder of this Certificate, by its acceptance hereof, shall be deemed to have consented to the provisions of Section 5.02 of the Agreement and to any amendment of the Agreement deemed necessary by counsel of the Depositor to ensure that the transfer of this Certificate to any Person other than a Permitted Transferee or any other Person will not cause any Trust Fund to cease to qualify as a REMIC or cause the imposition of a tax upon the REMIC.

 

The Depositor, the Master Servicer, the Trust Administrator, Citibank, N.A., the Trustee and any agent of the Depositor, the Master Servicer, the Trust Administrator, Citibank, N.A. or the Trustee may treat the Person in whose name this Certificate is registered as the owner hereof for all purposes, and none of the Depositor, the Master Servicer, the Trust Administrator, Citibank, N.A., the Trustee, nor any such agent shall be affected by notice to the contrary.

 

The obligations created by the Agreement and the Trust Fund created thereby shall terminate upon payment to the Certificateholders of all amounts held by the Trustee and required to be paid to them pursuant to the Agreement following the earlier of (i) the final payment or other liquidation (or any advance with respect thereto) of the last Mortgage Loan and REO Property remaining in the Trust Fund and (ii) the purchase by the party designated in the Agreement at a price determined as provided in the Agreement from the Trust Fund of all the Mortgage Loans and all property acquired in respect of such Mortgage Loans. The Agreement permits, but does not require, the party designated in the Agreement to purchase from the Trust Fund all the Mortgage Loans in the Collateral Pool relating to this Certificate and all
property acquired in respect of any Mortgage Loan in such Collateral Pool at a price determined as provided in the Agreement. The exercise of such right will effect early retirement of the Certificates relating to such Collateral Pool; however, such right to purchase is subject to the aggregate Stated Principal Balance of the Mortgage Loans in such Collateral Pool at the time of purchase being less than 5% of the aggregate principal balance of the Mortgage Loans in such Collateral Pool as of the Cut-off Date.

 

The recitals contained herein shall be taken as statements of the Depositor, and the Trustee assumes no responsibility for their correctness.

 

Unless the certificate of authentication hereon has been executed by the Authenticating Agent, by manual signature, this Certificate shall not be entitled to any benefit under the Agreement or be valid for any purpose.

 

IN WITNESS WHEREOF, the Paying Agent has caused this Certificate to be duly executed.

 

Dated: October ___, 2006

 

	 	 	 	 	 	 	 	
CITIBANK, N.A., not in its individual capacity, but solely as Paying Agent

	 	 	 	 	 	 	 	 	 	 	 	 	 	 
	 	 	 	 	 	 	 	 	 	 	 	 	 	 
	 	 	 	 	 	 	 	
By:
	 
	 	 	 	 	 	 	 	 	
Authorized Officer

CERTIFICATE OF AUTHENTICATION

 

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

 

	 	 	 	 	 	 	 	
CITIGROUP MORTGAGE LOAN TRUST INC., MORTGAGE PASS THROUGH CERTIFICATES, SERIES 2006-AR7

 

CITIBANK, N.A., not in its individual capacity, but solely as Authenticating Agent

	 	 	 	 	 	 	 	 	 	 	 	 	 	 
	 	 	 	 	 	 	 	 	 	 	 	 	 	 
	 	 	 	 	 	 	 	
By:
	 
	 	 	 	 	 	 	 	 	
Authorized Officer

 

ABBREVIATIONS

 

The following abbreviations, when used in the inscription on the face of this instrument, shall be construed as though they were written out in full according to applicable laws or regulations:

 

	
TEN COM -
	
as tenants in common
	
UNIF GIFT MIN ACT - Custodian

	 	 	 	 
	
TEN ENT -
	
as tenants by the entireties
	
(Cust) (Minor) under

Uniform Gifts to Minors Act

	 	 	 	 
	
JT TEN -
	
as joint tenants with right of survivorship and not as tenants in common
	 	
State

 

Additional abbreviations may also be used though not in the above list.

 

ASSIGNMENT

 

FOR VALUE RECEIVED, the undersigned hereby sell(s), assign(s) and transfer(s) unto 

	 	 	 
	 	 	 

(Please print or typewrite name, address including postal zip code, and Taxpayer Identification Number of assignee) a Percentage Interest equal to ____% evidenced by the within Mortgage Pass-Through Certificates and hereby authorize(s) the registration of transfer of such interest to assignee on the Certificate Register of the Trust Fund.

 

I (we) further direct the Trustee to issue a new Certificate of a like Percentage Interest 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.
	 	 

 

EXHIBIT B

 

FORM 10-D, FORM 8-K AND FORM 10-K

 

REPORTING RESPONSIBILITY

 

As to each item described below, the entity indicated as the Responsible Party shall be primarily responsible for reporting the information to the party identified as responsible for preparing the Securities Exchange Act Reports pursuant to Section 3.19. 

Under Item 1 of Form 10-D: a) items marked “6.07 statement” are required to be included in the periodic Payment Date statement under Section 6.07, provided by the Trust Administrator based on information received from the Master Servicer; and b) items marked “Form 10-D report” are required to be in the Form 10-D report but not the 6.07 statement, provided by the party indicated. Information under all other Items of Form 10-D is to be included in the Form 10-D report. All such information and any other Items on Form 8-K and Form 10-D set forth in this Exhibit shall be sent to the Trust Administrator and the Depositor.

	
Form
	
Item
	
Description
	
Servicer(s)
	
Master Servicer
	
Trust Administrator
	
Custodian
	
Trustee
	
Depositor
	
Sponsor

	
10-D
	
Must be filed within 15 days of the payment date for the asset-backed securities.
	
 
	
(nominal)
	
 
	
 

	
1
	
Distribution and Pool Performance Information
	
 
	
 
	
 
	
 
	
 
	
 
	
 

	
Item 1121(a) - Distribution and Pool Performance Information
	
 
	
 
	
 
	
 
	
 
	
 
	
 

	
(1) Any applicable record dates, accrual dates, determination dates for calculating distributions and actual distribution dates for the distribution period.
	
 
	
 
	
X

 

(6.07 Statement)
	
 
	
 
	
 
	
 

	
(2) Cash flows received and the sources thereof for distributions, fees and expenses.
	
 
	
 
	
X

 

(6.07 Statement)
	
 
	
 
	
 
	
 

	
(3) Calculated amounts and distribution of the flow of funds for the period itemized by type and priority of payment, including:
	
 
	
 
	
X

 

(6.07 Statement)
	
 
	
 
	
 
	
 

	
(i) Fees or expenses accrued and paid, with an identification of the general purpose of such fees and the party receiving such fees or expenses.
	
 
	
 
	
X

 

(6.07 Statement)
	
 
	
 
	
 
	
 

	
(ii) Payments accrued or paid with respect to enhancement or other support identified in Item 1114 of Regulation AB (such as insurance premiums or other enhancement maintenance fees), with an identification of the general purpose of such payments and the party receiving such payments.
	
 
	
 
	
X

 

(6.07 Statement)
	
 
	
 
	
 
	
 

	
(iii) Principal, interest and other distributions accrued and paid on the asset-backed securities by type and by class or series and any principal or interest shortfalls or carryovers.
	
 
	
 
	
X

 

(6.07 Statement)
	
 
	
 
	
 
	
 

	
(iv) The amount of excess cash flow or excess spread and the disposition of excess cash flow.
	
 
	
 
	
X

 

(6.07 Statement)
	
 
	
 
	
 
	
 

	
(4) Beginning and ending principal balances of the asset-backed securities.
	
 
	
 
	
X

 

(6.07 Statement)
	
 
	
 
	
 
	
 

	
(5) Interest rates applicable to the pool assets and the asset-backed securities, as applicable. Consider providing interest rate information for pool assets in appropriate distributional groups or incremental ranges.
	
 
	
 
	
X

 

(6.07 Statement)
	
 
	
 
	
 
	
 

	
(6) Beginning and ending balances of transaction accounts, such as reserve accounts, and material account activity during the period.
	
 
	
 
	
X

 

(6.07 Statement)
	
 
	
 
	
 
	
 

	
(7) Any amounts drawn on any credit enhancement or other support identified in Item 1114 of Regulation AB, as applicable, and the amount of coverage remaining under any such enhancement, if known and applicable.
	
 
	
 
	
X

 

(6.07 Statement)
	
 
	
 
	
 
	
 

	
(8) Number and amount of pool assets at the beginning and ending of each period, and updated pool composition information, such as weighted average coupon, weighted average remaining term, pool factors and prepayment amounts.
	
 
	
 
	
X

 

(6.07 Statement)
	
 
	
 
	
Updated pool composition information fields to be as specified by Depositor from time to time
	
 

	
(9) Delinquency and loss information for the period.
	
X
	
X
	
X

 

(6.07 Statement)
	
 
	
 
	
 
	
 

	
In addition, describe any material changes to the information specified in Item 1100(b)(5) of Regulation AB regarding the pool assets. (methodology)
	
X
	
 
	
 
	
 
	
 
	
 
	
 

	
(10) Information on the amount, terms and general purpose of any advances made or reimbursed during the period, including the general use of funds advanced and the general source of funds for reimbursements.
	
X
	
X
	
X

 

(6.07 Statement)
	
 
	
 
	
 
	
 

	
(11) Any material modifications, extensions or waivers to pool asset terms, fees, penalties or payments during the distribution period or that have cumulatively become material over time.
	
X
	
X
	
X

 

(6.07 Statement)
	
 
	
 
	
 
	
 

	
(12) Material breaches of pool asset representations or warranties or transaction covenants.
	
X
	
X
	
X

 

(if agreed upon by the parties)
	
 
	
 
	
X
	
 

	
(13) Information on ratio, coverage or other tests used for determining any early amortization, liquidation or other performance trigger and whether the trigger was met.
	
 
	
 
	
X

 

(6.07 Statement)
	
 
	
 
	
 
	
 

	
(14) Information regarding any new issuance of asset-backed securities backed by the same asset pool, 
	
 
	
 
	
 
	
 
	
 
	
X
	
 

	
information regarding any pool asset changes (other than in connection with a pool asset converting into cash in accordance with its terms), such as additions or removals in connection with a prefunding or revolving period and pool asset substitutions and repurchases (and purchase rates, if applicable), and cash flows available for future purchases, such as the balances of any prefunding or revolving accounts, if applicable.
	
X
	
X
	
X
	
 
	
 
	
X
	
 

	
Disclose any material changes in the solicitation, credit-granting, underwriting, origination, acquisition or pool selection criteria or procedures, as applicable, used to originate, acquire or select the new pool assets.
	
 
	
 
	
 
	
 
	
 
	
X
	
X

	
Item 1121(b) - Pre-Funding or Revolving Period Information

Updated pool information as required under Item 1121(b).
	
 
	
 
	
 
	
 
	
 
	
X
	
 

	
2
	
Legal Proceedings
	
 
	
 
	
 
	
 
	
 
	
 
	
 

	
Item 1117 - Legal proceedings pending against the following entities, or their respective property, that is material to Certificateholders, including proceedings known to be contemplated by governmental authorities:
	
 
	
 
	
 
	
 
	
 
	
 
	
 

	
Sponsor (Seller)
	
 
	
 
	
 
	
 
	
 
	
 
	
X

	
Depositor
	
 
	
 
	
 
	
 
	
 
	
X
	
 

	
Trustee
	
 
	
 
	
 
	
 
	
X
	
 
	
 

	
Issuing entity
	
 
	
 
	
 
	
 
	
 
	
X
	
 

	
Master Servicer, affiliated Servicer, other Servicer servicing 20% or more of pool assets at time of report, other material servicers
	
X
	
X
	
 
	
 
	
 
	
 
	
 

	
Trust Administrator
	
 
	
 
	
X
	
 
	
 
	
 
	
 

	
Originator of 20% or more of pool assets as of the Cut-off Date
	
 
	
 
	
 
	
 
	
 
	
X
	
 

	
Custodian
	
 
	
 
	
 
	
X
	
 
	
 
	
 

	
3
	
Sales of Securities and Use of Proceeds
	
 
	
 
	
 
	
 
	
 
	
 
	
 

	
Information from Item 2(a) of Part II of Form 10-Q:

 

With respect to any sale of securities by the sponsor, depositor or issuing entity, that are backed by the same asset pool or are otherwise issued by the issuing entity, whether or not registered, provide the sales and use of proceeds information in Item 701 of Regulation S-K. Pricing information can be omitted if securities were not registered.
	
 
	
 
	
 
	
 
	
 
	
X
	
 

	
4
	
Defaults Upon Senior Securities
	
 
	
 
	
 
	
 
	
 
	
 
	
 

	
Information from Item 3 of Part II of Form 10-Q:

 

Report the occurrence of any Event of Default (after expiration of any grace period and provision of any required notice)
	
 
	
 
	
X
	
 
	
 
	
 
	
 

	
5
	
Submission of Matters to a Vote of Security Holders
	
 
	
 
	
 
	
 
	
 
	
 
	
 

	
Information from Item 4 of Part II of Form 10-Q
	
 
	
 
	
X
	
 
	
 
	
 
	
 

	
6
	
Significant Obligors of Pool Assets
	
 
	
 
	
 
	
 
	
 
	
 
	
 

	
Item 1112(b) - Significant Obligor Financial Information*
	
 
	
 
	
 
	
 
	
 
	
X
	
 

	
*This information need only be reported on the Form 10-D for the distribution period in which updated information is required pursuant to the Item.
	
 
	
 
	
 
	
 
	
 
	
 
	
 

	
7
	
Significant Enhancement Provider Information
	
 
	
 
	
 
	
 
	
 
	
 
	
 

	
Item 1114(b)(2) - Credit Enhancement Provider Financial Information*
	
 
	
 
	
 
	
 
	
 
	
 
	
 

	
Determining applicable disclosure threshold
	
 
	
 
	
X
	
 
	
 
	
 
	
 

	
Requesting required financial information or effecting incorporation by reference
	
 
	
 
	
X
	
 
	
 
	
 
	
 

	
Item 1115(b) - Derivative Counterparty Financial Information*
	
 
	
 
	
 
	
 
	
 
	
 
	
 

	
Determining current maximum probable exposure
	
 
	
 
	
 
	
 
	
 
	
X
	
 

	
Determining current significance percentage
	
 
	
 
	
X
	
 
	
 
	
 
	
 

	
Requesting required financial information or effecting incorporation by reference
	
 
	
 
	
X
	
 
	
 
	
 
	
 

	
*This information need only be reported on the Form 10-D for the distribution period in which updated information is required pursuant to the Items.
	
 
	
 
	
 
	
 
	
 
	
 
	
 

	
8
	
Other Information
	
 
	
 
	
 
	
 
	
 
	
 
	
 

	
Disclose any information required to be reported on Form 8-K during the period covered by the Form 10-D but not reported
	
The Responsible Party for the applicable Form 8-K item as indicated below.

	
9
	
Exhibits
	
 
	
 
	
 
	
 
	
 
	
 
	
 

	
Distribution report
	
 
	
 
	
X
	
 
	
 
	
 
	
 

	
Exhibits required by Item 601 of Regulation S-K, such as material agreements
	
 
	
 
	
 
	
 
	
 
	
X
	
 

	
8-K
	
Must be filed within four business days of an event reportable on Form 8-K.
	
 
	
 
	
 
	
 

	
1.01
	
Entry into a Material Definitive Agreement
	
 
	
 
	
 
	
 
	
 
	
 
	
 

	
Disclosure is required regarding entry into or amendment of any definitive agreement that is material to the securitization, even if depositor is not a party. 

Examples: servicing agreement, custodial agreement.

Note: disclosure not required as to definitive agreements that are fully disclosed in the prospectus
	
X
	
X
	
X 
	
 
	
 
	
X 
	
X

	
1.02
	
Termination of a Material Definitive Agreement
	
X
	
X
	
X 
	
 
	
 
	
X
	
X 

	
Disclosure is required regarding termination of any definitive agreement that is material to the securitization (other than expiration in accordance with its terms), even if depositor is not a party. 

Examples: servicing agreement, custodial agreement.
	
 
	
 
	
 
	
 
	
 
	
 
	
 

	
1.03
	
Bankruptcy or Receivership
	
 
	
 
	
 
	
 
	
 
	
 
	
 

	
Disclosure is required regarding the bankruptcy or receivership, if known to the Master Servicer, with respect to any of the following: 

Sponsor (Seller), Depositor, Master Servicer, affiliated Servicer, other Servicer servicing 20% or more of pool assets at time of report, other material servicers, Certificate Administrator, Trustee, significant obligor, credit enhancer (10% or more), derivatives counterparty, Custodian
	
X
	
X
	
X 
	
X
	
 
	
X 
	
X

	
2.04
	
Triggering Events that Accelerate or Increase a Direct Financial Obligation or an Obligation under an Off-Balance Sheet Arrangement
	
 
	
 
	
 
	
 
	
 
	
 
	
 

	
Includes an early amortization, performance trigger or other event, including event of default, that would materially alter the payment priority/distribution of cash flows/amortization schedule.

Disclosure will be made of events other than waterfall triggers which are disclosed in the 6.07 statement
	
 
	
X
	
X
	
 
	
 
	
 
	
 

	
3.03
	
Material Modification to Rights of Security Holders
	
 
	
 
	
 
	
 
	
 
	
 
	
 

	
Disclosure is required of any material modification to documents defining the rights of Certificateholders, including the Pooling and Servicing Agreement
	
 
	
 
	
X
	
 
	
 
	
X
	
 

	
5.03
	
Amendments to Articles of Incorporation or Bylaws; Change in Fiscal Year
	
 
	
 
	
 
	
 
	
 
	
 
	
 

	
Disclosure is required of any amendment “to the governing documents of the issuing entity”
	
 
	
 
	
 
	
 
	
 
	
X
	
 

	
5.06
	
Change in Shell Company Status
	
 
	
 
	
 
	
 
	
 
	
 
	
 

	
[Not applicable to ABS issuers]
	
 
	
 
	
 
	
 
	
 
	
X
	
 

	
6.01
	
·  ABS Informational and Computational Material
	
 
	
 
	
 
	
 
	
 
	
 
	
 

	
[Not included in reports to be filed under Section 3.18]
	
 
	
 
	
 
	
 
	
 
	
X
	
 

	
6.02
	
Change of Servicer or Trustee
	
 
	
 
	
 
	
 
	
 
	
 
	
 

	
Requires disclosure of any removal, replacement, substitution or addition of any master servicer, affiliated servicer, other servicer servicing 10% or more of pool assets at time of report, other material servicers, certificate administrator or trustee. 
	
X
	
X
	
X
	
 
	
 
	
X
	
 

	
 
	
Reg AB disclosure about any new servicer is also required.
	
X
	
 
	
 
	
 
	
 
	
 
	
 

	
Reg AB disclosure about any new trustee is also required.
	
 
	
 
	
 
	
 
	
X (to the extent required by successor trustee
	
 
	
 

	
Reg AB disclosure about any new Trust Administrator is also required.
	
 
	
 
	
X
	
 
	
 
	
 
	
 

	
6.03
	
Change in Credit Enhancement or Other External Support
	
 
	
 
	
 
	
 
	
 
	
 
	
 

	
Covers termination of any enhancement in manner other than by its terms, the addition of an enhancement, or a material change in the enhancement provided. Applies to external credit enhancements as well as derivatives. 
	
 
	
 
	
X
	
 
	
 
	
X
	
 

	
 
	
Reg AB disclosure about any new enhancement provider is also required.
	
 
	
 
	
X
	
 
	
 
	
X
	
 

	
6.04
	
Failure to Make a Required Distribution
	
 
	
 
	
X
	
 
	
 
	
 
	
 

	
6.05
	
Securities Act Updating Disclosure
	
 
	
 
	
 
	
 
	
 
	
 
	
 

	
If any material pool characteristic differs by 5% or more at the time of issuance of the securities from the description in the final prospectus, provide updated Reg AB disclosure about the actual asset pool.
	
 
	
 
	
 
	
 
	
 
	
X
	
 

	
If there are any new servicers or originators required to be disclosed under Regulation AB as a result of the foregoing, provide the information called for in Items 1108 and 1110 respectively.
	
 
	
 
	
 
	
 
	
 
	
X
	
 

	
7.01
	
Regulation FD Disclosure
	
X
	
X
	
X
	
X
	
 
	
X
	
 

	
8.01
	
Other Events
	
 
	
 
	
 
	
 
	
 
	
 
	
 

	
Any event, with respect to which information is not otherwise called for in Form 8-K, that the registrant deems of importance to security holders.
	
 
	
 
	
 
	
 
	
 
	
X
	
 

	
9.01
	
Financial Statements and Exhibits
	
The Responsible Party applicable to reportable event.

	
10-K
	
Must be filed within 90 days of the fiscal year end for the registrant.
	
 
	
 
	
 
	
 

	
9B
	
Other Information
	
 
	
 
	
 
	
 
	
 
	
 
	
 

	
 
	
 
	
Disclose any information required to be reported on Form 8-K during the fourth quarter covered by the Form 10-K but not reported
	
The Responsible Party for the applicable Form 8-K item as indicated above.

	
 
	
15
	
Exhibits and Financial Statement Schedules
	
 
	
 
	
 
	
 
	
 
	
 
	
 

	
Item 1112(b) - Significant Obligor Financial Information
	
 
	
 
	
 
	
 
	
 
	
X
	
 

	
Item 1114(b)(2) - Credit Enhancement Provider Financial Information
	
 
	
 
	
 
	
 
	
 
	
 
	
 

	
Determining applicable disclosure threshold
	
 
	
 
	
X
	
 
	
 
	
 
	
 

	
Requesting required financial information or effecting incorporation by reference
	
 
	
 
	
X
	
 
	
 
	
 
	
 

	
Item 1115(b) - Derivative Counterparty Financial Information
	
 
	
 
	
 
	
 
	
 
	
 
	
 

	
Determining current maximum probable exposure
	
 
	
 
	
 
	
 
	
 
	
X
	
 

	
 
	
 
	
Determining current significance percentage
	
 
	
 
	
X
	
 
	
 
	
 
	
 

	
Requesting required financial information or effecting incorporation by reference
	
 
	
 
	
X
	
 
	
 
	
 
	
 

	
Item 1117 - Legal proceedings pending against the following entities, or their respective property, that is material to Certificateholders, including proceedings known to be contemplated by governmental authorities:
	
 
	
 
	
 
	
 
	
 
	
 
	
 

	
Sponsor (Seller)
	
 
	
 
	
 
	
 
	
 
	
 
	
X

	
Depositor
	
 
	
 
	
 
	
 
	
 
	
X
	
 

	
Trustee
	
 
	
 
	
 
	
 
	
 
	
 
	
 

	
Issuing entity
	
 
	
 
	
 
	
 
	
 
	
X
	
 

	
Master Servicer, affiliated Servicer, other Servicer servicing 20% or more of pool assets at time of report, other material servicers
	
X
	
X
	
 
	
 
	
 
	
 
	
 

	
Trust Administrator
	
 
	
 
	
X
	
 
	
 
	
 
	
 

	
Originator of 20% or more of pool assets as of the Cut-off Date
	
 
	
 
	
 
	
 
	
 
	
X
	
 

	
Custodian
	
 
	
 
	
 
	
X
	
 
	
 
	
 

	
Item 1119 - Affiliations and relationships between the following entities, or their respective affiliates, that are material to Certificateholders:
	
 
	
 
	
 
	
 
	
 
	
 
	
 

	
Sponsor (Seller)
	
 
	
 
	
 
	
 
	
 
	
 
	
X

	
Depositor
	
 
	
 
	
 
	
 
	
 
	
X
	
 

	
Trustee
	
 
	
 
	
 
	
 
	
X
	
 
	
 

	
Master Servicer, affiliated Servicer, other Servicer servicing 20% or more of pool assets at time of report, other material servicers
	
X
	
X
	
 
	
 
	
 
	
 
	
 

	
Trust Administrator
	
 
	
 
	
X
	
 
	
 
	
 
	
 

	
Originator
	
 
	
 
	
 
	
 
	
 
	
X
	
 

	
Custodian
	
 
	
 
	
 
	
X
	
 
	
 
	
 

	
Credit Enhancer/Support Provider
	
 
	
 
	
 
	
 
	
 
	
X
	
 

	
Significant Obligor
	
 
	
 
	
 
	
 
	
 
	
X
	
 

	
Item 1122 - Assessment of Compliance with Servicing Criteria
	
X
	
X
	
X
	
X
	
 
	
 
	
 

	
Item 1123 - Servicer Compliance Statement
	
X
	
X
	
 
	
 
	
 
	
 
	
 

 

 

 

EXHIBIT C

 

SERVICING CRITERIA TO BE ADDRESSED IN

ASSESSMENT OF COMPLIANCE

 

Definitions

Primary Servicer - transaction party having borrower contact

Master Servicer - aggregator of pool assets

Trust Administrator - waterfall calculator (may be the Trustee, or may be the Master Servicer)

Back-up Servicer - named in the transaction (in the event a Back up Servicer becomes the Primary Servicer, follow Primary Servicer obligations)

Custodian - safe keeper of pool assets

Paying Agent - distributor of funds to ultimate investor 

Trustee - fiduciary of the transaction

Note: The definitions above describe the essential function that the party performs, rather than the party’s title. So, for example, in a particular transaction, the trustee may perform the “paying agent” and “trust administrator” functions, while in another transaction, the trust administrator may perform these functions.

Where there are multiple checks for criteria the attesting party will identify in their management assertion that they are attesting only to the portion of the distribution chain they are responsible for in the related transaction agreements.

Key:

X - obligation

	
Reg AB Reference
	
Servicing Criteria
	
Primary Servicer
	
Master Servicer
	
Trust Administrator
	
Paying Agent

	
 
	
General Servicing Considerations
	
 
	
 
	
 

	
1122(d)(1)(i)
	
Policies and procedures are instituted to monitor any performance or other triggers and events of default in accordance with the transaction agreements.
	
X
	
X
	
 
	
 

	
1122(d)(1)(ii)
	
If any material servicing activities are outsourced to third parties, policies and procedures are instituted to monitor the third party’s performance and compliance with such servicing activities. 
	
X
	
X
	
 
	
 

	
1122(d)(1)(iii)
	
Any requirements in the transaction agreements to maintain a back-up servicer for the Pool Assets are maintained. 
	
 
	
 
	
 
	
 

	
1122(d)(1)(iv)
	
A fidelity bond and errors and omissions policy is in effect on the party participating in the servicing function throughout the reporting period in the amount of coverage required by and otherwise in accordance with the terms of the transaction agreements. 
	
X
	
X
	
 
	
 

	
 
	
Cash Collection and Administration
	
 
	
 
	
 
	
 

	
1122(d)(2)(i)
	
Payments on pool assets are deposited into the appropriate custodial bank accounts and related bank clearing accounts no more than two business days following receipt, or such other number of days specified in the transaction agreements. 
	
X
	
X
	
 
	
 

	
1122(d)(2)(ii)
	
Disbursements made via wire transfer on behalf of an obligor or to an investor are made only by authorized personnel. 
	
X
	
X
	
 
	
X

	
1122(d)(2)(iii)
	
Advances of funds or guarantees regarding collections, cash flows or distributions, and any interest or other fees charged for such advances, are made, reviewed and approved as specified in the transaction agreements. 
	
X
	
X
	
 
	
 

	
1122(d)(2)(iv)
	
The related accounts for the transaction, such as cash reserve accounts or accounts established as a form of over collateralization, are separately maintained (e.g., with respect to commingling of cash) as set forth in the transaction agreements. 
	
 
	
 
	
X
	
X

	
1122(d)(2)(v)
	
Each custodial account is maintained at a federally insured depository institution as set forth in the transaction agreements. For purposes of this criterion, “federally insured depository institution” with respect to a foreign financial institution means a foreign financial institution that meets the requirements of Rule 13k-1(b)(1) of the Securities Exchange Act. * 
	
X
	
X
	
X
	
X

	
1122(d)(2)(vi)
	
Unissued checks are safeguarded so as to prevent unauthorized access. 
	
X
	
 
	
 
	
 

	
1122(d)(2)(vii) 
	
Reconciliations are prepared on a monthly basis for all asset-backed securities related bank accounts, including custodial accounts and related bank clearing accounts. These reconciliations are (A) mathematically accurate; (B) prepared within 30 calendar days after the bank statement cutoff date, or such other number of days specified in the transaction agreements; (C) reviewed and approved by someone other than the person who prepared the reconciliation; and (D) contain explanations for reconciling items. These reconciling items are resolved within 90 calendar days of their original identification, or such other number of days specified in the transaction agreements. 
	
X
	
X
	
 
	
X

	
 
	
Investor Remittances and Reporting
	
 
	
 
	
 
	
 

	
1122(d)(3)(i)
	
Reports to investors, including those to be filed with the Commission, are maintained in accordance with the transaction agreements and applicable Commission requirements. Specifically, such reports (A) are prepared in accordance with timeframes and other terms set forth in the transaction agreements; (B) provide information calculated in accordance with the terms specified in the transaction agreements; (C) are filed with the Commission as required by its rules and regulations; and (D) agree with investors’ or the trustee’s records as to the total unpaid principal balance and number of Pool Assets serviced by the Servicer. 
	
X
	
X
	
X
	
 

	
1122(d)(3)(ii)
	
Amounts due to investors are allocated and remitted in accordance with timeframes, distribution priority and other terms set forth in the transaction agreements. 
	
X
	
X
	
X
	
X

	
1122(d)(3)(iii)
	
Disbursements made to an investor are posted within two business days to the Servicer’s investor records, or such other number of days specified in the transaction agreements. 
	
X
	
X
	
 
	
X

	
1122(d)(3)(iv)
	
Amounts remitted to investors per the investor reports agree with cancelled checks, or other form of payment, or custodial bank statements. 
	
X
	
X
	
 
	
X

	
 
	
Pool Asset Administration
	
 
	
 
	
 
	
 

	
1122(d)(4)(i) 
	
Collateral or security on pool assets is maintained as required by the transaction agreements or related pool asset documents. 
	
X
	
X
	
 
	
 

	
1122(d)(4)(ii)
	
Pool assets and related documents are safeguarded as required by the transaction agreements 
	
X
	
X
	
 
	
 

	
1122(d)(4)(iii)
	
Any additions, removals or substitutions to the asset pool are made, reviewed and approved in accordance with any conditions or requirements in the transaction agreements. 
	
X
	
X
	
 
	
 

	
1122(d)(4)(iv)
	
Payments on pool assets, including any payoffs, made in accordance with the related pool asset documents are posted to the Servicer’s obligor records maintained no more than two business days after receipt, or such other number of days specified in the transaction agreements, and allocated to principal, interest or other items (e.g., escrow) in accordance with the related pool asset documents. 
	
X
	
 
	
 
	
 

	
1122(d)(4)(v)
	
The Servicer’s records regarding the pool assets agree with the Servicer’s records with respect to an obligor’s unpaid principal balance. 
	
X
	
 
	
 
	
 

	
1122(d)(4)(vi)
	
Changes with respect to the terms or status of an obligor's pool assets (e.g., loan modifications or re-agings) are made, reviewed and approved by authorized personnel in accordance with the transaction agreements and related pool asset documents. 
	
X
	
X
	
 
	
 

	
1122(d)(4)(vii)
	
Loss mitigation or recovery actions (e.g., forbearance plans, modifications and deeds in lieu of foreclosure, foreclosures and repossessions, as applicable) are initiated, conducted and concluded in accordance with the timeframes or other requirements established by the transaction agreements. 
	
X
	
X
	
 
	
 

	
1122(d)(4)(viii)
	
Records documenting collection efforts are maintained during the period a pool asset is delinquent in accordance with the transaction agreements. Such records are maintained on at least a monthly basis, or such other period specified in the transaction agreements, and describe the entity’s activities in monitoring delinquent pool assets including, for example, phone calls, letters and payment rescheduling plans in cases where delinquency is deemed temporary (e.g., illness or unemployment). 
	
X
	
 
	
 
	
 

	
1122(d)(4)(ix)
	
Adjustments to interest rates or rates of return for pool assets with variable rates are computed based on the related pool asset documents. 
	
X
	
X
	
 
	
 

	
1122(d)(4)(x)
	
Regarding any funds held in trust for an obligor (such as escrow accounts): (A) such funds are analyzed, in accordance with the obligor’s pool asset documents, on at least an annual basis, or such other period specified in the transaction agreements; (B) interest on such funds is paid, or credited, to obligors in accordance with applicable pool asset documents and state laws; and (C) such funds are returned to the obligor within 30 calendar days of full repayment of the related pool assets, or such other number of days specified in the transaction agreements. 
	
X
	
 
	
 
	
 

	
1122(d)(4)(xi)
	
Payments made on behalf of an obligor (such as tax or insurance payments) are made on or before the related penalty or expiration dates, as indicated on the appropriate bills or notices for such payments, provided that such support has been received by the servicer at least 30 calendar days prior to these dates, or such other number of days specified in the transaction agreements. 
	
X
	
 
	
 
	
 

	
1122(d)(4)(xii)
	
Any late payment penalties in connection with any payment to be made on behalf of an obligor are paid from the Servicer’s funds and not charged to the obligor, unless the late payment was due to the obligor’s error or omission. 
	
X
	
 
	
 
	
 

	
1122(d)(4)(xiii)
	
Disbursements made on behalf of an obligor are posted within two business days to the obligor’s records maintained by the servicer, or such other number of days specified in the transaction agreements. 
	
X
	
 
	
 
	
 

	
1122(d)(4)(xiv) 
	
Delinquencies, charge-offs and uncollectible accounts are recognized and recorded in accordance with the transaction agreements. 
	
 
	
X
	
 
	
 

	
1122(d)(4)(xv)
	
Any external enhancement or other support, identified in Item 1114(a)(1) through (3) or Item 1115 of Regulation AB, is maintained as set forth in the transaction agreements. 
	
 
	
 
	
X
	
 

* Subject to clarification from the SEC.

 

 

EXHIBIT D

 

FORM OF MORTGAGE LOAN PURCHASE AGREEMENT

 

MORTGAGE LOAN PURCHASE AGREEMENT

 

This is a Mortgage Loan Purchase Agreement (the “Agreement”), dated October 30, 2006 between Citigroup Mortgage Loan Trust Inc., a Delaware corporation (the “Purchaser”) and Citigroup Global Markets Realty Corp., a New York corporation (the “Seller”).

 

Preliminary Statement

 

The Seller intends to sell the Mortgage Loans (as hereinafter defined) to the Purchaser on the terms and subject to the conditions set forth in this Agreement. The Purchaser intends to deposit the Mortgage Loans into a mortgage pool comprising the trust fund. The trust fund will be evidenced by a single series of mortgage pass-through certificates designated as Series 2006-AR7 (the “Certificates”). The Certificates will consist of thirty-one classes of certificates. The Certificates will be issued pursuant to a Pooling and Servicing Agreement, dated as of October 1, 2006 (the “Pooling and Servicing Agreement”), among the Purchaser as depositor, CitiMortgage, Inc. as master servicer (in such capacity, the “Master Servicer”) and as trust administrator (in such capacity, the
“Trust Administrator”) Citibank, N.A. as paying agent, certificate registrar and authenticating agent and U.S. Bank Trust National Association as trustee (the “Trustee”). Capitalized terms used but not defined herein shall have the meanings set forth in the Pooling and Servicing Agreement.

 

The parties hereto agree as follows:

 

Section 1.  Agreement to Purchase. The Seller agrees to sell, and the Purchaser agrees to purchase, on or before October 31, 2006 (the “Closing Date”), certain adjustable-rate, conventional residential mortgage loans (the “Mortgage Loans”) originated by American Home Mortgage Corp. (“American Home”), Countrywide Home Loans, Inc. (“Countrywide”), Fifth Third Bank (“Fifth Third”), HomeBanc Mortgage Corporation (“HomeBanc”), MortgageIT, Inc. (“MortgageIT”), Quicken Loans Inc. (“Quicken”), Residential Financial Corporation
(“RFC”), Secured Bankers Mortgage Company (“Secured Bankers”) and Wells Fargo Bank, N.A. (“Wells Fargo”, each an “Originator”, and together, the “Originators”), having an aggregate principal balance as of the close of business on October 1, 2006 (the “Cut-off Date”) of $ 946,083,757 (the “Closing Balance”), after giving effect to all payments due on the Mortgage Loans on or before the Cut-off Date, whether or not received. 

 

Section 2.  Mortgage Loan Schedule. The Purchaser and the Seller have agreed upon which of the mortgage loans owned by the Seller are to be purchased by the Purchaser pursuant to this Agreement and the Seller will prepare or cause to be prepared on or prior to the Closing Date a final schedule (the “Closing Schedule”) that together shall describe such Mortgage Loans and set forth all of the Mortgage Loans to be purchased under this Agreement. The Closing Schedule will conform to the requirements set forth in this Agreement and to the definition of “Mortgage Loan Schedule” under
the Pooling and Servicing Agreement. The Closing Schedule shall be used as the Mortgage Loan Schedule under the Pooling and Servicing Agreement and shall be prepared by the Seller based on information provided by the Originators.

 

Section 3.  Consideration.

 

(a)  In consideration for the Mortgage Loans to be purchased hereunder, the Purchaser shall, as described in Section 7, pay to or upon the order of the Seller in immediately available funds an amount (the “Mortgage Loan Purchase Price”) equal to the net sale proceeds of the Certificates, plus accrued interest.

 

(b)  The Purchaser or any assignee, transferee or designee of the Purchaser shall be entitled to all scheduled payments of principal due after the Cut-off Date, all other payments of principal due and collected after the Cut-off Date, and all payments of interest on the Mortgage Loans allocable to the period after the Cut-off Date. All scheduled payments of principal and interest due on or before the Cut-off Date and collected after the Cut-off Date shall belong to the Seller.

 

(c)  Pursuant to the Pooling and Servicing Agreement, the Purchaser will assign all of its right, title and interest in and to the Mortgage Loans, together with its rights under this Agreement, to the Trustee for the benefit of the related Certificateholders.

 

Section 4.  Transfer of the Mortgage Loans.

 

(a)  Possession of Mortgage Files. The Seller does hereby sell, transfer, assign, set over and convey to the Purchaser, without recourse but subject to the terms of this Agreement, all of its right, title and interest in, to and under the Mortgage Loans. The contents of each Mortgage File not delivered to the Purchaser or to any assignee, transferee or designee of the Purchaser on or prior to the Closing Date are and shall be held in trust by the Seller for the benefit of the Purchaser or any assignee, transferee or designee of the Purchaser. Upon the sale of the Mortgage Loans, the ownership of each
Mortgage Note, the related Mortgage and the other contents of the related Mortgage File is vested in the Purchaser and the ownership of all records and documents with respect to each related Mortgage Loan prepared by or that come into the possession of the Seller on or after the Closing Date shall immediately vest in the Purchaser and shall be delivered immediately to the Purchaser or as otherwise directed by the Purchaser.

 

(b)  Delivery of Mortgage Loan Documents. The Seller will, on or prior to the Closing Date, deliver or cause to be delivered to the Purchaser or any assignee, transferee or designee of the Purchaser each of the following documents for each Mortgage Loan:

 

(i)  the original Mortgage Note, endorsed in one of the following forms: (i) in the name of the Trustee or (ii) in blank, in each case, with all prior and intervening endorsements showing a complete chain of endorsement from the originator to the Person so endorsing to the Trustee; 

 

(ii)  the original Mortgage with evidence of recording thereon; 

 

(iii)  an original Assignment of the Mortgage in recordable form in blank or to the Trustee; 

 

(iv)  the original recorded Assignment or Assignments of the Mortgage showing a complete chain of assignment from the originator to the Person assigning the Mortgage in blank or to the Trustee as contemplated by the immediately preceding clause (iii); 

 

(v)  the original of or a copy of each related assumption, modification, consolidation or extension agreement, with evidence of recording thereon, if any; 

 

(vi)  with respect to any Mortgage Loan listed on the Mortgage Loan Schedule as subject to a Primary Mortgage Insurance Policy, the original Primary Mortgage Insurance Policy or certificate; 

 

(vii)  the original mortgagee title insurance policy or an attorney’s opinion of title where customary; and

 

(viii)  any of the following that are in the possession of the Seller or a document custodian on its behalf: (A) the original of or a copy of any security agreement, chattel mortgage or equivalent document executed in connection with the Mortgage or (B) the original of or a copy of any power of attorney, if applicable. 

 

With respect to a maximum of approximately 5.00% of the original Mortgage Loans, by outstanding principal balance of the original Mortgage Loans as of the Cut-off Date, if any original Mortgage Note referred to in Section 4(b)(i) above cannot be located, the obligations of the Seller to deliver such documents shall be deemed to be satisfied upon delivery to the Trust Administrator (as designee of the Purchaser) of a photocopy of such Mortgage Note, if available, with a lost note affidavit. If any of the original Mortgage Notes for which a lost note affidavit was delivered to the Trust Administrator is subsequently located, such original Mortgage Note shall be delivered to the Trust Administrator within three Business Days.

 

If any of the documents referred to in Sections 4(b)(ii), (iii) or (iv) above has as of the Closing Date been submitted for recording but either (x) has not been returned from the applicable public recording office or (y) has been lost or such public recording office has retained the original of such document, the obligations of the Seller to deliver such documents shall be deemed to be satisfied upon (1) delivery to the Trust Administrator of a copy of each such document certified by the Originator in the case of (x) above or the applicable public recording office in the case of (y) above to be a true and complete copy of the original that was submitted for recording and (2) if such copy is certified by the Originator, delivery to the Trust Administrator promptly upon receipt thereof of either the original or
a copy of such document certified by the applicable public recording office to be a true and complete copy of the original. 

 

To the extent not already recorded, the Trust Administrator, at the expense of the Seller shall pursuant to the Pooling and Servicing Agreement promptly (and in no event later than three months following the later of the Closing Date and the date of receipt by the Trust Administrator of the recording information for a Mortgage) submit or cause to be submitted for recording, at no expense to the Trust Estate or the Trust Administrator, in the appropriate public office for real property records, each Assignment delivered to it pursuant to Sections 4(b)(iii) and (iv) above. In the event that any such Assignment is lost or returned unrecorded because of a defect therein, the Trust Administrator, at the expense of the Seller, shall promptly prepare or cause to be prepared a substitute Assignment or cure or cause to
be cured such defect, as the case may be, and thereafter cause each such Assignment to be duly recorded. Notwithstanding the foregoing, but without limiting the requirement that such Assignments be in recordable form, neither the Trust Administrator nor the Trustee shall be required to submit or cause to be submitted for recording each Assignment delivered to it pursuant to Sections 4(b)(iii) and (iv) if such recordation shall not, as of the Closing Date, be required by the Rating Agencies, as a condition to their assignment on the Closing Date of their initial ratings to the Certificates, as evidenced by the delivery by the Rating Agencies of their ratings letters on the Closing Date.

 

The Seller shall deliver or cause to be delivered to the Trust Administrator promptly upon receipt thereof any other original documents constituting a part of a Mortgage File received with respect to any Mortgage Loan, including, but not limited to, any original documents evidencing an assumption, modification, consolidation or extension of any Mortgage Loan. 

 

All original documents relating to the Mortgage Loans that are not delivered to the Trust Administrator are and shall be held by or on behalf of the Seller, the Servicer, the Purchaser or the Master Servicer, as the case may be, in trust for the benefit of the Trustee on behalf of the Certificateholders. In the event that any such original document is required pursuant to the terms of this Section to be a part of a Mortgage File, such document shall be delivered promptly to the Trust Administrator. Any such original document delivered to or held by the Seller or the Purchaser that is not required pursuant to the terms of this Section to be a part of a Mortgage File, shall be delivered promptly to the related Servicer. 

 

(c)  Acceptance of Mortgage Loans. The documents delivered pursuant to Section 4(b) hereof shall be reviewed by the Purchaser or any assignee, transferee or designee of the Purchaser at any time before or after the Closing Date (and with respect to each document permitted to be delivered after the Closing Date within seven days of its delivery) to ascertain that all required documents have been executed and received and that such documents relate to the Mortgage Loans identified on the Mortgage Loan Schedule.

 

(d)  Transfer of Interest in Agreements. The Purchaser has the right to assign its interest under this Agreement, in whole or in part, to the Trustee, as may be required to effect the purposes of the Pooling and Servicing Agreement, without the consent of the Seller, and the assignee shall succeed to the rights and obligations hereunder of the Purchaser. Any expense reasonably incurred by or on behalf of the Purchaser or the Trustee in connection with enforcing any obligations of the Seller under this Agreement will be promptly reimbursed by the Seller.

 

(e)  Examination of Mortgage Files. Prior to the Closing Date, the Seller shall either (i) deliver in escrow to the Purchaser or to any assignee, transferee or designee of the Purchaser, for examination, the Mortgage File pertaining to each Mortgage Loan, or (ii) make such Mortgage Files available to the Purchaser or to any assignee, transferee or designee of the Purchaser for examination. Such examination may be made by the Purchaser or the Trustee, and their respective designees, upon reasonable notice to the Seller during normal business hours before the Closing Date and within 60 days after the
Closing Date. If any such person makes such examination prior to the Closing Date and identifies any Mortgage Loans that do not conform to the requirements of the Purchaser as described in this Agreement, such Mortgage Loans shall be deleted from the Closing Schedule. The Purchaser may, at its option and without notice to the Seller, purchase all or part of the Mortgage Loans without conducting any partial or complete examination. The fact that the Purchaser or any person has conducted or has failed to conduct any partial or complete examination of the Mortgage Files shall not affect the rights of the Purchaser or any assignee, transferee or designee of the Purchaser to demand repurchase or other relief as provided herein or under the Pooling and Servicing Agreement.

 

Section 5.  Representations, Warranties and Covenants of the Seller.

 

The Seller and the Purchaser understand, acknowledge and agree that, the representations and warranties set forth in this Section 5 are made as of the Closing Date or as of the date specifically provided herein. 

 

As permitted under (a) the Master Mortgage Loan Purchase and Servicing Agreement, dated as of September 1, 2005, and as amended on March 30, 2006, among American Home Mortgage Corp., American Home Mortgage Servicing, Inc. and the Seller (the “American Home Purchase Agreement”), (b) the Master Mortgage Loan Purchase and Servicing Agreement, dated as of February 1, 2005, and as amended and restated to and including December 28, 2005, between CitiMortgage, Inc. and the Seller (the “CitiMortgage Purchase Agreement”), (c) the Amended and Restated Master Mortgage Loan Purchase and Servicing Agreement, dated as of December 15, 2003, and as amended on February 28, 2006, between Countrywide Home Loans, Inc.
and the Seller (the “Countrywide Purchase Agreement”), (d) the Master Mortgage Loan Purchase and Servicing Agreement, dated as of June 1, 2006, between Fifth Third Bank and the Seller (the “Fifth Third Purchase Agreement”), (e) the Master Mortgage Loan Purchase and Servicing Agreement, dated as of June 1, 2006, between HomeBanc Mortgage Corporation and the Seller (the “HomeBanc Purchase Agreement”), (f) the Amended and Restated Master Mortgage Loan Purchase and Interim Servicing Agreement, dated as of March 1, 2005, and as amended and restated to November 1, 2005, between MortgageIT, Inc. and the Seller (the “MortgageIT Purchase Agreement”), (g) the Master Mortgage Loan Purchase and Interim Servicing Agreement, dated as of November 1, 2004, between Quicken Loans Inc. and the Seller (the “Quicken Purchase Agreement”) and (h) the Amended and Restated Master Mortgage Loan Purchase Agreement, dated as of March 1, 2006, between the Seller and Wells Fargo
(the “Wells Fargo Master Agreement”; and together with the American Home Purchase Agreement, the CitiMortgage Purchase Agreement, the Countrywide Purchase Agreement, the Fifth Third Purchase Agreement, the HomeBanc Purchase Agreement, the MortgageIT Purchase Agreement, the “Purchase Agreements”), the Seller hereby assigns to the Purchaser all of its right, title and interest under the Purchase Agreements to the extent of the Mortgage Loans set forth on the Mortgage Loan Schedule, including, but not limited to, any representations and warranties of the Originators concerning the Mortgage Loans.

(a)  The Seller hereby represents and warrants, as to each Mortgage Loan, to the Purchaser, as of the date hereof and as of the Closing Date, and covenants, that:

 

(i)  Each Mortgage Loan at the time it was made complied in all material respects with applicable local, state and federal laws, including, but not limited to, all applicable predatory and abusive lending laws.

 

(ii)  None of the mortgage loans are (i) “High Cost” as such term is defined in the Home Ownership Protection Act of 1994 (“HOEPA”) or (ii) a reasonably equivalent provision as defined by the applicable predatory and abusive lending laws.

 

(iii)  An appraisal form 1004 or Form 2055 with an interior inspection for first lien mortgage loans has been obtained.

 

(iv)  No Mortgage Loan is a high cost loan or a covered loan, as applicable (as such terms are defined in the current version of Standard & Poor's LEVELS® Glossary Revised, Appendix E).

 

(v)  (vi)There is no mortgage loan in the trust that was originated on or after October 1, 2002 and before March 7, 2003 which is secured by property located in the State of Georgia.

 

(b)  [Reserved]. 

 

(c)  The Seller hereby represents and warrants to the Purchaser, as of the date hereof and as of the Closing Date, and covenants, that:

 

(i)  The Seller is duly organized, validly existing and in good standing as a corporation under the laws of the State of New York with full corporate power and authority to conduct its business as presently conducted by it to the extent material to the consummation of the transactions contemplated herein. The Seller has the full corporate power and authority to own the Mortgage Loans and to transfer and convey the Mortgage Loans to the Purchaser and has the full corporate power and authority to execute and deliver, engage in the transactions contemplated by, and perform and observe the terms and conditions of this Agreement.

 

(ii)  The Seller has duly authorized the execution, delivery and performance of this Agreement, has duly executed and delivered this Agreement, and this Agreement, assuming due authorization, execution and delivery hereof by the Purchaser, constitutes a legal, valid and binding obligation of the Seller, enforceable against it in accordance with its terms except as the enforceability thereof may be limited by bankruptcy, insolvency or reorganization or by general principles of equity.

 

(iii)  The execution, delivery and performance of this Agreement by the Seller (x) does not conflict and will not conflict with, does not breach and will not result in a breach of and does not constitute and will not constitute a default (or an event, which with notice or lapse of time or both, would constitute a default) under (A) any terms or provisions of the articles of incorporation or by-laws of the Seller, (B) any term or provision of any material agreement, contract, instrument or indenture, to which the Seller is a party or by which the Seller or any of its property is bound or (C) any law, rule, regulation, order, judgment, writ, injunction or decree of any court or
governmental authority having jurisdiction over the Seller or any of its property and (y) does not create or impose and will not result in the creation or imposition of any lien, charge or encumbrance which would have a material adverse effect upon the Mortgage Loans or any documents or instruments evidencing or securing the Mortgage Loans.

 

(iv)  No consent, approval, authorization or order of, registration or filing with, or notice on behalf of the Seller to any governmental authority or court is required, under federal laws or the laws of the State of New York, for the execution, delivery and performance by the Seller of, or compliance by the Seller with, this Agreement or the consummation by the Seller of any other transaction contemplated hereby and by the Pooling and Servicing Agreement; provided, however, that the Seller makes no representation or warranty regarding federal or state securities laws in connection with the sale or distribution of the Certificates.

 

(v)  This Agreement does not contain any untrue statement of material fact or omit to state a material fact necessary to make the statements contained herein not misleading. The written statements, reports and other documents prepared and furnished or to be prepared and furnished by the Seller pursuant to this Agreement or in connection with the transactions contemplated hereby taken in the aggregate do not contain any untrue statement of material fact or omit to state a material fact necessary to make the statements contained therein not misleading.

 

(vi)  The Seller is not in violation of, and the execution and delivery of this Agreement by the Seller and its performance and compliance with the terms of this Agreement will not constitute a violation with respect to, any order or decree of any court or any order or regulation of any federal, state, municipal or governmental agency having jurisdiction over the Seller or its assets, which violation might have consequences that would materially and adversely affect the condition (financial or otherwise) or the operation of the Seller or its assets or might have consequences that would materially and adversely affect the performance of its obligations and duties hereunder.

 

(vii)  The Seller does not believe, nor does it have any reason or cause to believe, that it cannot perform each and every covenant contained in this Agreement.

 

(viii)  Immediately prior to the sale of the Mortgage Loans to the Purchaser as herein contemplated, the Seller will be the owner of the related Mortgage and the indebtedness evidenced by the related Mortgage Note, and, upon the payment to the Seller of the Purchase Price, in the event that the Seller retains or has retained record title, the Seller shall retain such record title to each Mortgage, each related Mortgage Note and the related Mortgage Files with respect thereto in trust for the Purchaser as the owner thereof from and after the date hereof.

 

(ix)  There are no actions or proceedings against, or investigations known to it of, the Seller before any court, administrative or other tribunal (A) that might prohibit its entering into this Agreement, (B) seeking to prevent the sale of the Mortgage Loans by the Seller or the consummation of the transactions contemplated by this Agreement or (C) that might prohibit or materially and adversely affect the performance by the Seller of its obligations under, or validity or enforceability of, this Agreement.

 

(x)  The consummation of the transactions contemplated by this Agreement are in the ordinary course of business of the Seller, and the transfer, assignment and conveyance of the Mortgage Notes and the Mortgages by the Seller are not subject to the bulk transfer or any similar statutory provisions.

 

(xi)  The Seller has not dealt with any broker, investment banker, agent or other person, except for the Purchaser or any of its affiliates, that may be entitled to any commission or compensation in connection with the sale of the Mortgage Loans.

 

(xii)  There is no litigation currently pending or, to the best of the Seller’s knowledge without independent investigation, threatened against the Seller that would reasonably be expected to adversely affect the transfer of the Mortgage Loans, the issuance of the Certificates or the execution, delivery, performance or enforceability of this Agreement, or that would result in a material adverse change in the financial condition of the Seller.

 

(xiii)  The Seller is solvent and will not be rendered insolvent by the consummation of the transactions contemplated hereby. The Seller is not transferring any Mortgage loan with any intent to hinder, delay or defraud any of its creditors.

 

(d)  With respect to the American Home Mortgage Loans, the Seller hereby represents and warrants, for the benefit of the Purchaser, that the representations and warranties set forth on Exhibit A hereto are true and correct as of the date hereof and as of the Closing Date.

 

(e)  With respect to the Countrywide Mortgage Loans, the Seller hereby represents and warrants, for the benefit of the Purchaser, that the representations and warranties set forth on Exhibit B hereto are true and correct as of the date hereof and as of the Closing Date.

 

(f)  With respect to the RFC Mortgage Loans and the Secured Bankers Mortgage Loans, the Seller hereby represents and warrants, for the benefit of the Purchaser, that the representations and warranties set forth on Exhibit C hereto are true and correct as of the date hereof and as of the Closing Date.

 

(g)  With respect to the MortgageIT Mortgage Loans, the Seller hereby represents and warrants, for the benefit of the Purchaser, that the representations and warranties set forth on Exhibit D hereto are true and correct as of the date hereof and as of the Closing Date.

 

(h)  With respect to the Fifth Third Mortgage Loans, the Seller hereby represents and warrants, for the benefit of the Purchaser, that the representations and warranties set forth on Exhibit E hereto are true and correct as of the date hereof and as of the Closing Date.

 

(i)  With respect to the HomeBanc Mortgage Loans, the Seller hereby represents and warrants, for the benefit of the Purchaser, that the representations and warranties set forth on Exhibit F hereto are true and correct as of the date hereof and as of the Closing Date.

 

(j)  With respect to the Wells Fargo Mortgage Loans, the Seller hereby represents and warrants, for the benefit of the Purchaser, that the representations and warranties set forth on Exhibit G hereto are true and correct as of the date hereof and as of the Closing Date.

 

(k)  With respect to the Quicken Mortgage Loans, the Seller hereby represents and warrants, for the benefit of the Purchaser, that the representations and warranties set forth on Exhibit H hereto are true and correct as of the date hereof and as of the Closing Date.

 

	Section 6.  	
Repurchase Obligation for Defective Documentation and for Breach of Representation and Warranty.

 

It is understood and agreed that the representations and warranties set forth in Section 5 shall survive the sale of the Mortgage Loans to the Purchaser and shall inure to the benefit of the Purchaser and any assignee, transferee or designee of the Purchaser, including the Trustee for the benefit of holders of the Mortgage Pass-Through Certificates evidencing an interest in all or a portion of the Mortgage Loans, notwithstanding any restrictive or qualified endorsement on any Mortgage Note or Assignment or the examination or lack of examination of any Mortgage File. With respect to the representations and warranties contained herein that are made to the knowledge or the best knowledge of the Seller, or as to which the Seller has no knowledge, if it is discovered that the substance of any such representation and
warranty is inaccurate and the inaccuracy materially and adversely affects the value of the related Mortgage Loan, or the interest therein of the Purchaser or the Purchaser’s assignee, designee or transferee, then notwithstanding the Seller’s lack of knowledge with respect to the substance of such representation and warranty being inaccurate at the time the representation and warranty was made, such inaccuracy shall be deemed a breach of the applicable representation and warranty and the Seller shall take such action described in the following paragraphs of this Section 6 in respect of such Mortgage Loan. Upon discovery by either the Seller or the Purchaser of a breach of any of the foregoing representations and warranties made by the Seller that materially and adversely affects the value of the Mortgage Loans or the interest of the Purchaser (or which materially and adversely affects the interests of the Purchaser in the related Mortgage Loan in the case of a representation and warranty
relating to a particular Mortgage Loan), the party discovering such breach shall give prompt written notice to the other.

 

Within 90 days of the earlier of either discovery by or notice to the Seller of any breach of a representation or warranty made by the Seller that materially and adversely affects the value of a Mortgage Loan or the Mortgage Loans or the interest therein of the Purchaser, the Seller shall use its best efforts promptly to cure such breach in all material respects and, if such breach cannot be cured, the Seller shall, at the Purchaser’s option, repurchase such Mortgage Loan at the Purchase Price. The Seller may, at the request of the Purchaser and assuming the Seller has a Qualified Substitute Mortgage Loan, rather than repurchase a deficient Mortgage Loan as provided above, remove such Mortgage Loan and substitute in its place a Qualified Substitute Mortgage Loan or Loans. If the Seller does not provide a
Qualified Substitute Mortgage Loan or Loans, it shall repurchase the deficient Mortgage Loan. Any repurchase of a Mortgage Loan(s) pursuant to the foregoing provisions of this Section 6 shall occur on a date designated by the Purchaser and shall be accomplished by deposit in accordance with Section 2.03 of the Pooling and Servicing Agreement. Any repurchase or substitution required by this Section shall be made in a manner consistent with Section 2.03 of the Pooling and Servicing Agreement.

 

At the time of substitution or repurchase by the Seller of any deficient Mortgage Loan, the Purchaser and the Seller shall arrange for the reassignment of the repurchased or substituted Mortgage Loan to the Seller and the delivery to the Seller of any documents held by the Trustee relating to the deficient or repurchased Mortgage Loan. In the event the Purchase Price is deposited in the Collection Account. The Seller shall, simultaneously with such deposit, give written notice to the Purchaser that such deposit has taken place. Upon such repurchase, the Mortgage Loan Schedule shall be amended to reflect the withdrawal of the repurchased Mortgage Loan from this Agreement.

 

As to any Deleted Mortgage Loan for which the Seller substitutes a Qualified Substitute Mortgage Loan or Loans, the Seller shall effect such substitution by delivering to the Purchaser or its designee for such Qualified Substitute Mortgage Loan or Loans the Mortgage Note, the Mortgage, the Assignment and such other documents and agreements as are required by the Pooling and Servicing Agreement, with the Mortgage Note endorsed as required therein. The Seller shall remit for deposit in the Collection Account the Monthly Payment due on such Qualified Substitute Mortgage Loan or Loans in the month following the date of such substitution. Monthly payments due with respect to Qualified Substitute Mortgage Loans in the month of substitution will be retained by the Seller. For the month of substitution, distributions
to the Purchaser will include the Monthly Payment due on such Deleted Mortgage Loan in the month of substitution, and the Seller shall thereafter be entitled to retain all amounts subsequently received by the Seller in respect of such Deleted Mortgage Loan. Upon such substitution, the Qualified Substitute Mortgage Loans shall be subject to the terms of this Agreement in all respects, and the Seller shall be deemed to have made with respect to such Qualified Substitute Mortgage Loan or Loans as of the date of substitution, the covenants, representations and warranties set forth in Section 5.

 

It is understood and agreed that the representations and warranties set forth in Section 5 shall survive delivery of the respective Mortgage Files to the Trustee on behalf of the Purchaser.

 

It is understood and agreed that (i) the obligations of the Seller set forth in this Section 6 to cure, repurchase and substitute for a defective Mortgage Loan and (ii) the obligations of the Seller as provided in the next sentence constitute the sole remedies of the Purchaser respecting a missing or defective document or a breach of the representations and warranties contained in Section 5. The Seller shall indemnify the Purchaser and hold it harmless against any losses, damages, penalties, fines, forfeitures, reasonable and necessary legal fees and related costs, judgments, and other costs and expenses resulting from any claim, demand, defense or assertion based on or grounded upon, or resulting from, a breach of the representations and warranties contained in Sections 5(a), (c), (d) and (e) this Agreement.

 

Section 7.  Closing; Payment for the Mortgage Loans. The closing of the purchase and sale of the Mortgage Loans shall be held at the New York City office of Thacher Proffitt & Wood llp at 10:00 AM New York City time on the Closing Date.

 

The closing shall be subject to each of the following conditions:

 

(a)  All of the representations and warranties of the Seller under this Agreement shall be true and correct in all material respects as of the date as of which they are made and no event shall have occurred which, with notice or the passage of time, would constitute a default under this Agreement;

 

(b)  The Purchaser shall have received, or the attorneys of the Purchaser shall have received in escrow (to be released from escrow at the time of closing), all Closing Documents as specified in Section 8 of this Agreement, in such forms as are agreed upon and acceptable to the Purchaser, duly executed by all signatories other than the Purchaser as required pursuant to the respective terms thereof;

 

(c)  The Seller shall have delivered or caused to be delivered and released to the Purchaser or to its designee, all documents (including without limitation, the Mortgage Loans) required to be so delivered by the Purchaser; and

 

(d)  All other terms and conditions of this Agreement shall have been complied with.

 

Subject to the foregoing conditions, the Purchaser shall deliver or cause to be delivered to the Seller on the Closing Date, against delivery and release by the Seller to the Trustee of all documents required pursuant to the Pooling and Servicing Agreement, the consideration for the Mortgage Loans as specified in Section 3 of this Agreement, by delivery to the Seller of the Mortgage Loan Purchase Price.

 

Section 8.  Closing Documents. Without limiting the generality of Section 7 hereof, the closing shall be subject to delivery of each of the following documents:

 

(a)  An Officers’ Certificate of the Seller, dated the Closing Date, upon which the Purchaser and Citigroup Global Markets Inc. (the “Underwriter”) may rely, in a form acceptable to the Purchaser;

 

(b)  A Secretary’s Certificate of the Seller, dated the Closing Date, upon which the Purchaser and the Underwriter may rely, in a form acceptable to the Purchaser, and attached thereto copies of the certificate of incorporation, by-laws and certificate of good standing of the Seller;

 

(c)  An Opinion of Counsel of the Seller, dated the Closing Date and addressed to the Purchaser and the Underwriter, in a form acceptable to the Purchaser;

 

(d)  An Officers’ Certificate of each Originator, dated the Closing Date, upon which the Purchaser and the Underwriter may rely, in a form acceptable to the Purchaser;

 

(e)  A Secretary’s Certificate of each Originator, dated the Closing Date, upon which the Purchaser and the Underwriter may rely, in a form acceptable to the Purchaser, and attached thereto copies of the certificate of incorporation, by-laws and certificate of good standing of the Originator;

 

(f)  Such opinions of counsel as the Rating Agencies or the Trustee may request in connection with the sale of the Mortgage Loans by the Seller to the Purchaser or the Seller’s execution and delivery of, or performance under, this Agreement;

 

(g)  A letter from Deloitte & Touche L.L.P., certified public accountants, dated the date hereof and to the effect that they have performed certain specified procedures as a result of which they determined that certain information of an accounting, financial or statistical nature set forth in the Purchaser’s Prospectus Supplement, dated October 30, 2006 and the Purchaser’s Private Placement Memorandum, dated October 31, 2006, agrees with the records of the Seller;

 

(h)  Letters from certified public accountants for each Originator, dated the date hereof and to the effect that they have performed certain specified procedures as a result of which they determined that certain information of an accounting, financial or statistical nature set forth in the Purchaser’s Prospectus Supplement, dated October 30, 2006 under the subheading “The Servicer” and the Purchaser’s Private Placement Memorandum, dated October 31, 2006, under the subheading “The Servicer” agrees with the records of the Servicer; and

 

(i)  Such further information, certificates, opinions and documents as the Purchaser or the Underwriter may reasonably request.

 

Section 9.  Costs. The Seller shall pay (or shall reimburse the Purchaser or any other Person to the extent that the Purchaser or such other Person shall pay) all necessary and reasonable costs and expenses incurred directly in delivering this Agreement, the Pooling and Servicing Agreement, the Certificates, the prospectus, prospectus supplement and private placement memorandum relating to the Certificates and other related documents, the initial fees, costs and expenses of the Trust Administrator and the Trustee set forth in an engagement letter delivered to the Seller by the Trust Administrator,
the fees and expenses of the Purchaser’s counsel in connection with the preparation of all documents relating to the securitization of the Mortgage Loans, the filing fee charged by the Securities and Exchange Commission for registration of the Certificates, the fees charged by any rating agency to rate the Certificates and the ongoing expenses of the Rating Agencies. All other costs and expenses in connection with the transactions contemplated hereunder shall be borne by the party incurring such expense.

 

Section 10.  [Reserved].

 

Section 11.  Mandatory Delivery; Grant of Security Interest. The sale and delivery on the Closing Date of the Mortgage Loans described on the Mortgage Loan Schedule in accordance with the terms and conditions of this Agreement is mandatory. It is specifically understood and agreed that each Mortgage Loan is unique and identifiable on the date hereof and that an award of money damages would be insufficient to compensate the Purchaser for the losses and damages incurred by the Purchaser in the event of the Seller’s failure to deliver the Mortgage Loans on or before the Closing Date. The Seller
hereby grants to the Purchaser a lien on and a continuing security interest in the Seller’s interest in each Mortgage Loan and each document and instrument evidencing each such Mortgage Loan to secure the performance by the Seller of its obligation hereunder, and the Seller agrees that it holds such Mortgage Loans in custody for the Purchaser, subject to the Purchaser’s (i) right, prior to the Closing Date, to reject any Mortgage Loan to the extent permitted by this Agreement and (ii) obligation to deliver or cause to be delivered the consideration for the Mortgage Loans pursuant to Section 7 hereof. Any Mortgage Loans rejected by the Purchaser shall concurrently therewith be released from the security interest created hereby. The Seller agrees that, upon acceptance of the Mortgage Loans by the Purchaser or its designee and delivery of payment to the Seller, that its security interest in the Mortgage Loans shall be released. All rights and remedies of the Purchaser under this Agreement are
distinct from, and cumulative with, any other rights or remedies under this Agreement or afforded by law or equity and all such rights and remedies may be exercised concurrently, independently or successively.

 

Notwithstanding the foregoing, if on the Closing Date, each of the conditions set forth in Section 7 hereof shall have been satisfied and the Purchaser shall not have paid or caused to be paid the Mortgage Loan Purchase Price, or any such condition shall not have been waived or satisfied and the Purchaser determines not to pay or cause to be paid the Mortgage Loan Purchase Price, the Purchaser shall immediately effect the redelivery of the Mortgage Loans, if delivery to the Purchaser has occurred and the security interest created by this Section 11 shall be deemed to have been released.

 

Section 12.  Notices. All demands, notices and communications hereunder shall be in writing and shall be deemed to have been duly given if personally delivered to or mailed by registered mail, postage prepaid, or transmitted by telex or telegraph and confirmed by a similar mailed writing, if to the Purchaser, addressed to the Purchaser at 390 Greenwich Street, 4th Floor, New York, New York 10013, Attention: Mortgage Finance Group, or such other address as may hereafter be furnished to the Seller in writing by the Purchaser, and if to the Seller, addressed to the Seller at 390 Greenwich Street, 4th
Floor, New York, New York 10013, Attention: Mortgage Finance Group, or such other address as may hereafter be furnished to the Purchaser in writing by the Seller.

 

Section 13.  Severability of Provisions. Any part, provision, representation or warranty of this Agreement which is prohibited or which is held to be void or unenforceable shall be ineffective to the extent of such prohibition or unenforceability without invalidating the remaining provisions hereof. Any part, provision, representation or warranty of this Agreement which is prohibited or unenforceable or is held to be void or unenforceable in any jurisdiction shall, as to such jurisdiction, be ineffective to the extent of such prohibition or unenforceability without invalidating the remaining
provisions hereof, and any such prohibition or unenforceability in any jurisdiction as to any Mortgage Loan shall not invalidate or render unenforceable such provision in any other jurisdiction. To the extent permitted by applicable law, the parties hereto waive any provision of law which prohibits or renders void or unenforceable any provision hereof.

 

Section 14.  Agreement of Parties. The Seller and the Purchaser each agree to execute and deliver such instruments and take such actions as either of the others may, from time to time, reasonably request in order to effectuate the purpose and to carry out the terms of this Agreement and the Pooling and Servicing Agreement.

 

Section 15.  Survival. The Seller agrees that the representations, warranties and agreements made by it herein and in any certificate or other instrument delivered pursuant hereto shall be deemed to be relied upon by the Purchaser, notwithstanding any investigation heretofore or hereafter made by the Purchaser or on its behalf, and that the representations, warranties and agreements made by the Seller herein or in any such certificate or other instrument shall survive the delivery of and payment for the Mortgage Loans and shall continue in full force and effect, notwithstanding any restrictive or
qualified endorsement on the Mortgage Notes and notwithstanding subsequent termination of this Agreement, the Pooling and Servicing Agreement or the Trust Fund.

 

Section 16.  GOVERNING LAW. THIS AGREEMENT AND THE RIGHTS, DUTIES, OBLIGATIONS AND RESPONSIBILITIES OF THE PARTIES HERETO SHALL BE GOVERNED BY AND CONSTRUED IN ACCORDANCE WITH THE LAWS (INCLUDING THE CHOICE OF LAW PROVISIONS) AND DECISIONS OF THE STATE OF NEW YORK. THE PARTIES HERETO INTEND THAT THE PROVISIONS OF SECTION 5-1401 OF THE NEW YORK GENERAL OBLIGATIONS LAW SHALL APPLY TO THIS AGREEMENT.

 

Section 17.  Miscellaneous. This Agreement may be executed in two or more counterparts, each of which when so executed and delivered shall be an original, but all of which together shall constitute one and the same instrument. This Agreement shall inure to the benefit of and be binding upon the parties hereto and their respective successors and assigns. This Agreement supersedes all prior agreements and understandings relating to the subject matter hereof. Neither this Agreement nor any term hereof may be changed, waived, discharged or terminated orally, but only by an instrument in writing signed by
the party against whom enforcement of the change, waiver, discharge or termination is sought. The headings in this Agreement are for purposes of reference only and shall not limit or otherwise affect the meaning hereof.

 

It is the express intent of the parties hereto that the conveyance of the Mortgage Loans by the Seller to the Purchaser as provided in Section 4 hereof be, and be construed as, a sale of the Mortgage Loans by the Seller to the Purchaser and not as a pledge of the Mortgage Loans by the Seller to the Purchaser to secure a debt or other obligation of the Seller. However, in the event that, notwithstanding the aforementioned intent of the parties, the Mortgage Loans are held to be property of the Seller, then, (a) it is the express intent of the parties that such conveyance be deemed a pledge of the Mortgage Loans by the Seller to the Purchaser to secure a debt or other obligation of the Seller and (b) (1) this Agreement shall also be deemed to be a security agreement within the meaning of Articles 8 and 9 of the
New York Uniform Commercial Code; (2) the conveyance provided for in Section 4 hereof shall be deemed to be a grant by the Seller to the Purchaser of a security interest in all of the Seller’s right, title and interest in and to the Mortgage Loans and all amounts payable to the holders of the Mortgage Loans in accordance with the terms thereof and all proceeds of the conversion, voluntary or involuntary, of the foregoing into cash, instruments, securities or other property, including without limitation all amounts, other than investment earnings, from time to time held or invested in the Collection Account whether in the form of cash, instruments, securities or other property; (3) the possession by the Purchaser or its agent of Mortgage Notes, the related Mortgages and such other items of property that constitute instruments, money, negotiable documents or chattel paper shall be deemed to be “possession by the secured party” for purposes of perfecting the security interest pursuant to
Section 9-305 of the New York Uniform Commercial Code; and (4) 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, financial intermediaries, bailees or agents (as applicable) of the Purchaser for the purpose of perfecting such security interest under applicable law. Any assignment of the interest of the Purchaser pursuant to Section 4(d) hereof shall also be deemed to be an assignment of any security interest created hereby. The Seller and the Purchaser shall, to the extent consistent with this Agreement, take such actions as may be necessary to ensure that, if this Agreement were deemed to create a security interest in the Mortgage Loans, such security interest would be deemed to be a perfected security interest of first priority under applicable law and will be maintained as such throughout the term of this Agreement and the Pooling and
Servicing Agreement.

 

Section 18.  Indemnification. The Seller shall indemnify and hold harmless each of (i) the Purchaser, (ii) Citigroup Global Markets Inc. and (iii) each person, if any, who controls the Purchaser within the meaning of Section 15 of the Securities Act of 1933, as amended (the “1933 Act”) ((i) through (iii) collectively, the “Indemnified Party”) against any and all losses, claims, expenses, damages or liabilities to which the Indemnified Party may become subject, under the 1933 Act or otherwise, insofar as such losses, claims, expenses, damages or liabilities (or actions in respect
thereof) arise out of, are based upon, or result from, a breach by the Seller of any of the representations and warranties made by the Seller herein, it being understood that the Purchaser has relied upon such representations and warranties.

 

 

IN WITNESS WHEREOF, the Purchaser and the Seller have caused their names to be signed by their respective officers thereunto duly authorized as of the date first above written.

 

	 	 	 	 	 	 	 	
CITIGROUP MORTGAGE LOAN TRUST INC.

	 	 	 	 	 	 	 	 	 	 	 	 	 	 
	 	 	 	 	 	 	 	 	 	 	 	 	 	 
	 	 	 	 	 	 	 	
By:
	 
	 	 	 	 	 	 	 	
Name:
	 
	 	 	 	 	 	 	 	
Title:
	 

	 	 	 	 	 	 	 	
CITIGROUP GLOBAL MARKETS REALTY CORP.

	 	 	 	 	 	 	 	 	 	 	 	 	 	 
	 	 	 	 	 	 	 	 	 	 	 	 	 	 
	 	 	 	 	 	 	 	
By:
	 
	 	 	 	 	 	 	 	
Name:
	 
	 	 	 	 	 	 	 	
Title:
	 

EXHIBIT A

Representation and Warranties with Respect to the American Home Mortgage Loans 

Except for “Mortgage Loans”, which shall mean the American Home Mortgage Loans sold by the Seller to the Purchaser, all capitalized terms in this Exhibit A shall have the meanings ascribed to them in the American Home Purchase Agreement.

(1)  The information set forth in the related Mortgage Loan Schedule and the Mortgage Loan data delivered to the Purchaser in the Data File is complete, true and correct;

 

(2)  All payments required to be made up to the close of business on the Closing Date for such Mortgage Loan under the terms of the Mortgage Note have been made; neither the Seller nor the Servicer has advanced funds, or induced, solicited or knowingly received any advance of funds from a party other than the owner of the related Mortgaged Property, directly or indirectly, for the payment of any amount required by the Mortgage Note or Mortgage. There has been no delinquency, exclusive of any period of grace, in any payment by the Mortgagor thereunder since the origination of the Mortgage Loan;

 

(3)  There are no delinquent taxes, ground rents, water charges, sewer rents, assessments, insurance premiums, leasehold payments, including assessments payable in future installments or other outstanding charges affecting the related Mortgaged Property;

 

(4)  The Mortgaged Property is located in the state identified in the related Mortgage Loan Schedule and is improved by a Residential Dwelling;

 

(5)  The terms of the Mortgage Note and the Mortgage have not been impaired, waived, altered or modified in any respect, except by written instruments, recorded in the applicable public recording office or registered with the MERS System if necessary to maintain the lien priority of the Mortgage, and which have been delivered to the Purchaser; the substance of any such waiver, alteration or modification has been approved by the insurer under the Primary Insurance Policy or LPMI Policy, if any, and the title insurer, to the extent required by the related policy, and is reflected on the related Mortgage Loan Schedule. No instrument of waiver, alteration or modification has been executed, and
no Mortgagor has been released, in whole or in part, except in connection with an assumption agreement approved by the insurer under the Primary Insurance Policy or LPMI Policy, if any, the title insurer, to the extent required by the policy, and which assumption agreement has been delivered to the Purchaser and the terms of which are reflected in the related Mortgage Loan Schedule;

 

(6)  The Mortgage Note and the Mortgage are not subject to any right of rescission, set off, counterclaim or defense, including the defense of usury, nor will the operation of any of the terms of the Mortgage Note and/or the Mortgage, or the exercise of any right thereunder, render the Mortgage unenforceable, in whole or in part, or subject to any right of rescission, set off, counterclaim or defense, including the defense of usury and no such right of rescission, set off, counterclaim or defense has been asserted with respect thereto;

 

(7)  The Mortgage Loan was underwritten in accordance with the Underwriting Guidelines of the Seller in effect at the time the Mortgage Loan was originated; and the Mortgage Note and Mortgage are on forms acceptable to FNMA and FHLMC;

 

(8)  All buildings upon the Mortgaged Property are insured by an insurer acceptable to FNMA and FHLMC against loss by fire, hazards of extended coverage and such other hazards as are customary in the area where the Mortgaged Property is located, in an amount not less than the least of (i) 100% of the replacement cost of all improvements to the Mortgaged Property, (ii) either (A) the outstanding principal balance of the Mortgage Loan with respect to each first lien Mortgage Loan or (B) with respect to each second lien Mortgage Loan, the sum of the outstanding principal balance of the related first lien mortgage loan and the outstanding principal balance of the second lien Mortgage Loan or
(iii) the amount necessary to fully compensate for any damage or loss to the improvements that are a part of such property on a replacement cost basis; provided, however, in no event shall the amount of insurance be less than the amount necessary to avoid the operation of any co-insurance provisions with respect to the Mortgaged Property. All such insurance policies contain a standard mortgagee clause naming the Seller, its successors and assigns as mortgagee and all premiums thereon have been paid. If the Mortgaged Property is in an area identified on a Flood Hazard Map or Flood Insurance Rate Map issued by the Federal Emergency Management Agency as having special flood hazards (and such flood insurance has been made available) a flood insurance policy meeting the requirements of the current guidelines of the Federal Insurance Administration is in effect which policy conforms to the requirements of FNMA and FHLMC. The Mortgage obligates the Mortgagor thereunder to maintain all such insurance at the
Mortgagor’s cost and expense, and on the Mortgagor’s failure to do so, authorizes the holder of the Mortgage to maintain such insurance at the Mortgagor’s cost and expense and to seek reimbursement therefor from the Mortgagor;

 

(9)  Any and all requirements of any federal, state or local law including, without limitation, usury, truth in lending, real estate settlement procedures, consumer credit protection, equal credit opportunity, fair housing, disclosure laws or all predatory and abusive lending laws applicable to the origination and servicing of the Mortgage Loans have been complied with and the consummation of the transactions contemplated hereby will not involve the violation of any such laws;

 

(10)  The Mortgage has not been satisfied, cancelled, subordinated or rescinded, in whole or in part, and the Mortgaged Property has not been released from the lien of the Mortgage, in whole or in part, nor has any instrument been executed that would effect any such satisfaction, cancellation, subordination, rescission or release;

 

(11)  The related Mortgage is properly recorded in the appropriate jurisdiction(s) wherein such recordation is necessary to perfect the lien thereof, and is a valid, existing and enforceable (A) first lien and first priority security interest with respect to each Mortgage Loan which is indicated by the Seller to be a First Lien (as reflected on the Mortgage Loan Schedule), or (B) second lien and second priority security interest with respect to each Mortgage Loan which is indicated by the Seller to be a Second Lien (as reflected on the Mortgage Loan Schedule), in either case, on the Mortgaged Property, including all improvements on the Mortgaged Property subject only to (a) the lien of
current real property taxes and assessments not yet due and payable, (b) covenants, conditions and restrictions, rights of way, easements and other matters of the public record as of the date of recording being acceptable to mortgage lending institutions generally and specifically referred to in the lender’s title insurance policy delivered to the originator of the Mortgage Loan and which do not adversely affect the Appraised Value of the Mortgaged Property, (c) other matters to which like properties are commonly subject which do not materially interfere with the benefits of the security intended to be provided by the Mortgage or the use, enjoyment, value or marketability of the related Mortgaged Property and (d) with respect to each Mortgage Loan which is indicated by the Seller to be a Second Lien Mortgage Loan (as reflected on the Mortgage Loan Schedule) a First Lien on the Mortgaged Property. Any security agreement, chattel mortgage or equivalent document related to and delivered in
connection with the Mortgage Loan establishes and creates a valid, existing and enforceable (A) first lien and first priority security interest with respect to each Mortgage Loan which is indicated by the Seller to be a First Lien (as reflected on the Mortgage Loan Schedule) or (B) second lien and second priority security interest with respect to each Mortgage Loan which is indicated by the Seller to be a Second Lien Mortgage Loan (as reflected on the Mortgage Loan Schedule), in either case, on the property described therein and the Seller has full right to sell and assign the same to the Purchaser. The Mortgaged Property was not, as of the date of origination of the Mortgage Loan, subject to a mortgage, deed of trust, deed to secure debt or other security instrument creating a lien subordinate to the lien of the Mortgage;

 

(12)  The Mortgage Note and the related Mortgage are genuine and each is the legal, valid and binding obligation of the maker thereof, enforceable in accordance with its terms;

 

(13)  All parties to the Mortgage Note and the Mortgage had legal capacity to enter into the Mortgage Loan and to execute and deliver the Mortgage Note and the Mortgage, and the Mortgage Note and the Mortgage have been duly and properly executed by such parties. The Mortgagor is a natural person;

 

(14)  The proceeds of the Mortgage Loan have been fully disbursed to or for the account of the Mortgagor and there is no obligation for the Mortgagee to advance additional funds thereunder and any and all requirements as to completion of any on-site or off-site improvement and as to disbursements of any escrow funds therefor have been complied with. All costs, fees and expenses incurred in making or closing the Mortgage Loan and the recording of the Mortgage have been paid, and the Mortgagor is not entitled to any refund of any amounts paid or due to the Mortgagee pursuant to the Mortgage Note or Mortgage;

 

(15)  The Seller is the sole legal, beneficial and equitable owner of the Mortgage Note and the Mortgage. The Seller has full right and authority under all governmental and regulatory bodies having jurisdiction over such Seller, subject to no interest or participation of, or agreement with, any party, to transfer and sell the Mortgage Loan to the Purchaser pursuant to this Agreement free and clear of any encumbrance or right of others, equity, lien, pledge, charge, mortgage, claim, participation interest or security interest of any nature (collectively, a “Lien”); and immediately upon the transfers and assignments herein contemplated, the Seller shall have transferred and sold
all of its right, title and interest in and to each Mortgage Loan and the Purchaser will hold good, marketable and indefeasible title to, and be the owner of, each Mortgage Loan subject to no Lien;

 

(16)  All parties which have had any legal or contractual interest in the Mortgage Loan, whether as originator, mortgagee, assignee, pledgee or otherwise, are (or, during the period in which they held and disposed of such interest, were): (A) organized under the laws of such state, or (B) qualified to do business in such state, or (C) federal savings and loan associations or national banks having principal offices in such state, or (D) not doing business in such state so as to require qualification or licensing, or (E) not otherwise required to be licensed in such state. All parties which have had any legal or contractual interest in the Mortgage Loan were in compliance with any and all
applicable “doing business” and licensing requirements of the laws of the state wherein the Mortgaged Property is located or were not required to be licensed in such state;

 

(17)  The Mortgage Loan is covered by an American Land Title Association (“ALTA”) ALTA lender’s title insurance policy acceptable to FNMA and FHLMC (which, in the case of an Adjustable Rate Mortgage Loan has an adjustable rate mortgage endorsement in the form of ALTA 6.0 or 6.1), issued by a title insurer acceptable to FNMA and FHLMC and qualified to do business in the jurisdiction where the Mortgaged Property is located, insuring (subject to the exceptions contained above in (xi)(a) and (b) and, with respect to each Mortgage Loan which is indicated by the Seller to be a Second Lien Mortgage Loan (as reflected on the Mortgage Loan Schedule) clause (d)) the Seller, its
successors and assigns as to the first priority lien of the Mortgage in the original principal amount of the Mortgage Loan and, with respect to any Adjustable Rate Mortgage Loan, against any loss by reason of the invalidity or unenforceability of the lien resulting from the provisions of the Mortgage providing for adjustment in the Mortgage Interest Rate and Monthly Payment. Additionally, such lender’s title insurance policy affirmatively insures ingress and egress to and from the Mortgaged Property, and against encroachments by or upon the Mortgaged Property or any interest therein. The Seller is the sole insured of such lender’s title insurance policy, and such lender’s title insurance policy is in full force and effect and will be in full force and effect upon the consummation of the transactions contemplated by this Agreement. No claims have been made under such lender’s title insurance policy, and no prior holder of the related Mortgage, including the Seller, has done, by act
or omission, anything which would impair the coverage of such lender’s title insurance policy;

 

(18)  Other than payments due but not yet 30 days or more delinquent, there is no default, breach, violation or event of acceleration existing under the Mortgage or the Mortgage Note and no event which, with the passage of time or with notice and the expiration of any grace or cure period, would constitute a default, breach, violation or event of acceleration, and the Seller has not waived any default, breach, violation or event of acceleration. With respect to each Mortgage Loan which is indicated by the Seller to be a Second Lien Mortgage Loan (as reflected on the Mortgage Loan Schedule) (i) the First Lien is in full force and effect, (ii) there is no default, breach, violation or event
of acceleration existing under such First Lien mortgage or the related mortgage note, (iii) no event which, with the passage of time or with notice and the expiration of any grace or cure period, would constitute a default, breach, violation or event of acceleration thereunder, and either (A) the First Lien mortgage contains a provision which allows or (B) applicable law requires, the mortgagee under the Second Lien Mortgage Loan to receive notice of, and affords such mortgagee an opportunity to cure any default by payment in full or otherwise under the First Lien mortgage;

 

(19)  There are no mechanics’ or similar liens or claims which have been filed for work, labor or material (and no rights are outstanding that under law could give rise to such lien) affecting the related Mortgaged Property which are or may be liens prior to, or equal or coordinate with, the lien of the related Mortgage;

 

(20)  The Mortgage Loan was originated by the Seller or by a savings and loan association, a savings bank, a commercial bank or similar banking institution which is supervised and examined by a federal or state authority, or by a mortgagee approved as such by the Secretary of HUD;

 

(21)  Payments on the Mortgage Loan shall commence (with respect to any newly originated Mortgage Loans) or commenced no more than sixty days after the proceeds of the Mortgage Loan were disbursed. The Mortgage Loan bears interest at the Mortgage Interest Rate. With respect to each Mortgage Loan, the Mortgage Note is payable on the first day of each month in Monthly Payments, which, (A) in the case of a Fixed Rate Mortgage Loan, are sufficient to fully amortize the original principal balance over the original term thereof (other than with respect to a Mortgage Loan identified on the related Mortgage Loan Schedule as an interest-only Mortgage Loan during the interest-only period) and to pay
interest at the related Mortgage Interest Rate, and (B) in the case of an Adjustable Rate Mortgage Loan, are changed on each Adjustment Date, and in any case, are sufficient to fully amortize the original principal balance over the original term thereof and to pay interest at the related Mortgage Interest Rate. The Index for each Adjustable Rate Mortgage Loan is as defined in the related Mortgage Loan Schedule. With respect to each Mortgage Loan identified on the Mortgage Loan Schedule as an interest-only Mortgage Loan, the interest-only period shall not exceed the period specified on the Mortgage Loan Schedule and following the expiration of such interest-only period, the remaining Monthly Payments shall be sufficient to fully amortize the original principal balance over the remaining term of the Mortgage Loan. The Mortgage Note does not permit negative amortization. No Mortgage Loan is a Convertible Mortgage Loan;

 

(22)  The origination practices used by the Seller and the servicing and collection practices used by the Servicer with respect to each Mortgage Note and Mortgage, including without limitation the establishment, maintenance and servicing of the Escrow Accounts and Escrow Payments, if any, since origination have been in all respects legal, proper, prudent and customary in the mortgage origination and servicing industry. The Mortgage Loan has been serviced by the Servicer and any predecessor servicer in accordance with all applicable laws, rules and regulations, the terms of the Mortgage Note and Mortgage, and the FNMA and FHLMC servicing guides. With respect to escrow deposits and Escrow
Payments (other than with respect to each Mortgage Loan which is indicated by the Seller to be a Second Lien Mortgage Loan and for which the mortgagee under the First Lien is collecting Escrow Payments (as reflected on the Mortgage Loan Schedule)), if any, all such payments are in the possession of, or under the control of, the Servicer and there exist no deficiencies in connection therewith for which customary arrangements for repayment thereof have not been made. No escrow deposits or Escrow Payments or other charges or payments due the Seller have been capitalized under any Mortgage or the related Mortgage Note and no such escrow deposits or Escrow Payments are being held by the Seller or the Servicer for any work on a Mortgaged Property which has not been completed;

 

(23)  The Mortgaged Property is free of damage and waste and is in good repair, and there is no proceeding pending or, to the best of the Seller’s knowledge, threatened for the total or partial condemnation thereof nor is such a proceeding currently occurring;

 

(24)  The Mortgage and related Mortgage Note contain customary and enforceable provisions such as to render the rights and remedies of the holder thereof adequate for the realization against the Mortgaged Property of the benefits of the security provided thereby, including, (a) in the case of a Mortgage designated as a deed of trust, by trustee’s sale, and (b) otherwise by judicial foreclosure. The Mortgaged Property has not been subject to any bankruptcy proceeding or foreclosure proceeding and the Mortgagor has not filed for protection under applicable bankruptcy laws. There is no homestead or other exemption available to the Mortgagor which would interfere with the right to sell
the Mortgaged Property at a trustee’s sale or the right to foreclose the Mortgage; The Mortgagor has not notified the Seller or the Servicer and neither the Seller nor the Servicer has knowledge of any relief requested or allowed to the Mortgagor under the Servicemembers Civil Relief Act;

 

(25)  Unless otherwise indicated on the Mortgage Loan Schedule, the Mortgage File contains an appraisal of the related Mortgaged Property which, (a) with respect to First Lien Mortgage Loans, was on appraisal form 1004 or form 2055 with an interior inspection, or (b) with respect to Second Lien Mortgage Loans, was on appraisal form 704, 2065 or 2055 with an exterior only inspection, and (c) with respect to (a) or (b) above, was made and signed, prior to the approval of the Mortgage Loan application, by a qualified appraiser, duly appointed by the Seller, who had no interest, direct or indirect in the Mortgaged Property or in any loan made on the security thereof, whose compensation is not
affected by the approval or disapproval of the Mortgage Loan and who met the minimum qualifications of FNMA and FHLMC. Each appraisal of the Mortgage Loan was made in accordance with the relevant provisions of the Financial Institutions Reform, Recovery, and Enforcement Act of 1989 as in effect on the date the Mortgage Loan was originated;

 

(26)  In the event the Mortgage constitutes a deed of trust, a trustee, duly qualified under applicable law to serve as such, has been properly designated and currently so serves and is named in the Mortgage, and no fees or expenses are or will become payable by the Purchaser to the trustee under the deed of trust, except in connection with a trustee’s sale after default by the Mortgagor;

 

(27)  No Mortgage Loan was made in connection with (a) the construction or rehabilitation of a Mortgaged Property or (b) facilitating the trade-in or exchange of a Mortgaged Property;

 

(28)   The Loan-to-Value Ratio of any Mortgage Loan at origination was not more than 95% and the CLTV of any Mortgage Loan at origination was not more than 100%; Each Mortgage Loan with an original Loan-to-Value Ratio at origination greater than 80% is and will be subject to a Primary Insurance Policy, issued by a Qualified Insurer, which insures that portion of the Mortgage Loan in excess of the portion of the Appraised Value of the Mortgaged Property as required by FNMA. All provisions of such Primary Insurance Policy have been and are being complied with, such policy is in full force and effect, and all premiums due thereunder have been paid. Any Mortgage subject to any such Primary
Insurance Policy obligates the Mortgagor thereunder to maintain such insurance and to pay all premiums and charges in connection therewith. The Mortgage Interest Rate for the Mortgage Loan does not include any such insurance premium. If a Mortgage Loan is identified on the Mortgage Loan Schedule as subject to a Lender Paid Mortgage Insurance Policy, such policy insures that portion of the Mortgage Loan set forth in the LPMI Policy. All provisions of any such LPMI Policy have been and are being complied with, such policy is in full force and effect, and all premiums due thereunder have been paid. The Mortgage Interest Rate for the Mortgage Loan does not include the insurance premium for any LPMI Policy;

 

(29)   The Mortgaged Property is lawfully occupied under applicable law; all inspections, licenses and certificates required to be made or issued with respect to all occupied portions of the Mortgaged Property and, with respect to the use and occupancy of the same, including but not limited to certificates of occupancy and fire underwriting certificates, have been made or obtained from the appropriate authorities. No improvement located on or being part of any Mortgaged Property is in violation of any applicable zoning and subdivision law, ordinance or regulation;

 

(30)  No error, omission, misrepresentation, negligence, fraud or similar occurrence with respect to a Mortgage Loan has taken place on the part of any person, including without limitation the Mortgagor, any appraiser, any builder or developer, or any other party involved in the origination of the Mortgage Loan or in the application of any insurance in relation to such Mortgage Loan;

 

(31)  Any principal advances made to the Mortgagor prior to the Cut-off Date have been consolidated with the outstanding principal amount secured by the Mortgage, and the secured principal amount, as consolidated, bears a single interest rate and single repayment term reflected on the Mortgage Loan Schedule. The lien of the Mortgage securing the consolidated principal amount is expressly insured as having (A) first lien priority with respect to each Mortgage Loan which is indicated by the Seller to be a First Lien (as reflected on the Mortgage Loan Schedule), or (B) second lien priority with respect to each Mortgage Loan which is indicated by the Seller to be a Second Lien Mortgage Loan
(as reflected on the Mortgage Loan Schedule), in either case, by a title insurance policy, an endorsement to the policy insuring the mortgagee’s consolidated interest or by other title evidence acceptable to FNMA and FHLMC. The consolidated principal amount does not exceed the original principal amount of the Mortgage Loan;

 

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

 

(33)   The Mortgaged Property is in material compliance with all applicable environmental laws pertaining to environmental hazards including, without limitation, asbestos, and neither the Seller nor, to the Seller’s knowledge, the related Mortgagor, has received any notice of any violation or potential violation of such law;

 

(34)  No Mortgage Loan is (a) subject to the provisions of the Homeownership and Equity Protection Act of 1994, as amended (“HOEPA”), (b) a “high cost”, “covered”, “abusive”, “predatory”, “home loan”, “Section 10” or “high risk” mortgage loan (or a similarly designated loan using different terminology) under any federal, state or local law, or any other statute or regulation providing assignee liability to holders of such mortgage loans, or (c) subject to or in violation of any such or comparable federal, state or local statutes or regulations. No Mortgage Loan is a high cost loan or a covered loan, as
applicable (as such terms are defined in the Standard & Poor’s LEVELS Version 5.7 Glossary Revised, Appendix E as of the related Closing Date);

 

(35)   No Mortgage Loan had an original term to maturity of more than thirty (30) years;

 

(36)  Each Mortgage contains an enforceable provision for the acceleration of the payment of the unpaid principal balance of the related Mortgage Loan in the event the related Mortgaged Property is sold or transferred without the prior consent of the mortgagee thereunder;

 

(37)  With respect to each Mortgage Loan which is a Second Lien, (i) the related First Lien does not provide for negative amortization, and (ii) either no consent for the Mortgage Loan is required by the holder of the First Lien or such consent has been obtained and is contained in the Mortgage File;

 

(38)  The Mortgage Loan Documents with respect to each Mortgage Loan subject to Prepayment Charges specifically authorizes such Prepayment Charges to be collected, such Prepayment Charges are permissible and enforceable in accordance with the terms of the related Mortgage Loan Documents and all applicable federal, state and local laws (except to the extent that the enforceability thereof may be limited by bankruptcy, insolvency, moratorium, receivership and other similar laws relating to creditors’ rights generally or the collectability thereof may be limited due to acceleration in connection with a foreclosure) and each Prepayment Charge was originated in compliance with all
applicable federal, state and local laws;

 

(39)  The Seller has complied with all applicable anti-money laundering laws and regulations, including without limitation the USA Patriot Act of 2001 (collectively, the “Anti-Money Laundering Laws”). The Seller has established an anti-money laundering compliance program as required by the Anti-Money Laundering Laws, has conducted the requisite due diligence in connection with the origination of each Mortgage Loan for purposes of the Anti-Money Laundering Laws, including with respect to the legitimacy of the applicable Mortgagor and the origin of the assets used by the said Mortgagor to purchase the property in question, and maintains, and will maintain, sufficient information to
identify the applicable Mortgagor for purposes of the Anti-Money Laundering Laws; no Mortgage Loan is subject to nullification pursuant to Executive Order 13224 (the “Executive Order”) or the regulations promulgated by the Office of Foreign Assets Control of the United States Department of the Treasury (the “OFAC Regulations”) or in violation of the Executive Order or the OFAC Regulations, and no Mortgagor is subject to the provisions of such Executive Order or the OFAC Regulations nor listed as a “blocked person” for purposes of the OFAC Regulations; 

 

(40)  With respect to each MERS Mortgage Loan, a MIN has been assigned by MERS and such MIN is accurately provided on the related Mortgage Loan Schedule. The related Assignment of Mortgage to MERS has been duly and properly recorded or has been delivered for recording to the applicable recording office; 

 

(41)  With respect to each MERS Mortgage Loan, neither the Seller nor the Servicer has received any notice of liens or legal actions with respect to such Mortgage Loan and no such notices have been electronically posted by MERS;

 

(42)  The sale or transfer of the Mortgage Loan by the Seller complies with all applicable federal, state, and local laws, rules, and regulations governing such sale or transfer, including, without limitation, the Fair and Accurate Credit Transactions Act (“FACT Act”) and the Fair Credit Reporting Act, each as may be amended from time to time, and the Seller has not received any actual or constructive notice of any identity theft, fraud, or other misrepresentation in connection with such Mortgage Loan or any party thereto.

 

(43)  The Mortgage Loan is in compliance with all requirements set forth in the related Confirmation, and the characteristics of the related Mortgage Loan Package as set forth in the related Confirmation are true and correct in all material respects;

 

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

 

(45)  If the Residential Dwelling on the Mortgaged Property is a condominium unit or a unit in a planned unit development (other than a de minimis planned unit development) such condominium or planned unit development project meets the eligibility requirements of FNMA and FHLMC;

 

(46)  All improvements which were considered in determining the Appraised Value of the related Mortgaged Property lay wholly within the boundaries and building restriction lines of the Mortgaged Property, and no improvements on adjoining properties encroach upon the Mortgaged Property;

 

(47)  The Mortgage Note is not and has not been secured by any collateral except the lien of the corresponding Mortgage on the Mortgaged Property and the security interest of any applicable security agreement or chattel mortgage referred to in (xi) above;

 

(48)  No Mortgage Loan contains provisions pursuant to which Monthly Payments are (a) paid or partially paid with funds deposited in any separate account established by the Seller, the Mortgagor, or anyone on behalf of the Mortgagor, (b) paid by any source other than the Mortgagor or (c) contains any other similar provisions which may constitute a “buydown” provision;

 

(49)  The Mortgage Loan is not a graduated payment mortgage loan or a balloon Mortgage Loan, and the Mortgage Loan does not have a shared appreciation or other contingent interest feature;

 

(50)  The Mortgagor has executed a statement to the effect that the Mortgagor has received all disclosure materials required by applicable law with respect to the making of fixed rate mortgage loans in the case of Fixed Rate Mortgage Loans, and adjustable rate mortgage loans in the case of Adjustable Rate Mortgage Loans and rescission materials with respect to Refinanced Mortgage Loans, and such statement is and will remain in the Mortgage File;

 

(51)  Each original Mortgage was recorded and all subsequent assignments of the original Mortgage (other than the assignment to the Purchaser) have been recorded, or are in the process of being recorded, in the appropriate jurisdictions wherein such recordation is necessary to perfect the lien thereof as against creditors of the Seller. As to any Mortgage Loan which is not a MERS Mortgage Loan, the Assignment of Mortgage is in recordable form (except for the name of the assignee which is blank) and is acceptable for recording under the laws of the jurisdiction in which the Mortgaged Property is located;

 

(52)  Each Mortgage Loan originated in the state of Texas pursuant to Article XVI, Section 50(a)(6) of the Texas Constitution (a “Texas Refinance Loan”) has been originated in compliance with the provisions of Article XVI, Section 50(a)(6) of the Texas Constitution, Texas Civil Statutes and the Texas Finance Code. With respect to each Texas Refinance Loan that is a Cash Out Refinancing, the related Mortgage Loan Documents state that the Mortgagor may prepay such Texas Refinance Loan in whole or in part without incurring a Prepayment Charge. The Seller does not collect any such Prepayment Charges in connection with any such Texas Refinance Loan;

 

(53)  Unless set forth on the Mortgage Loan Schedule, the source of the down payment with respect to each Mortgage Loan has been fully verified by the Seller;

 

(54)  The Seller shall, at its own expense, cause each Mortgage Loan to be covered by a “life of loan” Tax Service Contract which is assignable to the Purchaser or its designee at no cost to the Purchaser or its designee or will reimburse the Purchaser for all costs and expenses incurred by the Purchaser in connection with the purchase of any such Tax Service Contract;

 

(55)  Each Mortgage Loan is covered by a “life of loan” Flood Zone Service Contract which is assignable to the Purchaser or its designee at no cost to the Purchaser or its designee or, for each Mortgage Loan not covered by such Flood Zone Service Contract, the Seller agrees to purchase such Flood Zone Service Contract;

 

(56)  No Mortgage Loan is secured by cooperative housing, commercial property or mixed use property;

 

(57)  No selection procedures were used by the Seller that identified the Mortgage Loans as being less desirable or valuable than other comparable mortgage loans in the Seller’s portfolio;

 

(58)  Each Mortgage Loan has a valid and original Credit Score, with a minimum Credit Score as set forth in the related Confirmation;

 

(59)  No Mortgage Loan originated or modified on or after October 1, 2002 and prior to March 7, 2003 is secured by a Mortgaged Property located in the State of Georgia;

 

(60)  No Mortgage Loan is a “manufactured housing loan” pursuant to the NJ Act, and one hundred percent of the amount financed of any purchase money Second Lien Mortgage Loan subject to the NJ Act was used for the purchase of the related Mortgaged Property;

 

(61)  With respect to any Mortgage Loan for which a mortgage loan application was submitted by the Mortgagor after April 1, 2004, no such Mortgage Loan secured by a Mortgage Property located in the State of Illinois is in violation of the provisions of the Illinois Interest Act, including Section 4.1a which provides that no such Mortgage Loan with a Mortgage Interest Rate in excess of 8.0% per annum has lender-imposed fees (or other charges) in excess of 3.0% of the original principal balance of the Mortgage Loan;

 

(62)  No Mortgage Loan is secured in whole or in part by the interest of the Mortgagor as a lessee under a ground lease of the related Mortgaged Property;

 

(63)  No Mortgage Loan secured by a Mortgaged Property located in the Commonwealth of Massachusetts was made to pay off or refinance an existing loan or other debt of the related borrower (as the term “borrower” is defined in the regulations promulgated by the Massachusetts Secretary of State in connection with Massachusetts House Bill 4880 (2004)) unless either (1) (a) the related Mortgage Interest Rate (that would be effective once the introductory rate expires, with respect to Adjustable Rate Mortgage Loans) did or would not exceed by more than 2.25% the yield on United States Treasury securities having comparable periods of maturity to the maturity of the related Mortgage
Loan as of the fifteenth day of the month immediately preceding the month in which the application for the extension of credit was received by the related lender or (b) the Mortgage Loan is an “open-end home loan” (as such term is used in the Massachusetts House Bill 4880 (2004)) and the related Mortgage Note provides that the related Mortgage Interest Rate may not exceed at any time the Prime rate index as published in The Wall Street Journal plus a margin of one percent, or (2) such Mortgage Loan is in the "borrower's interest," as documented by a "borrower's interest worksheet" for the particular Mortgage Loan, which worksheet incorporates the factors set forth in Massachusetts House Bill 4880 (2004) and the regulations promulgated thereunder for determining "borrower's interest," and otherwise complies in all material respects with the laws of the Commonwealth of Massachusetts;

 

(64)  The Seller has no knowledge of any circumstances or condition with respect to the Mortgage, the Mortgaged Property, the Mortgagor or the Mortgagor’s credit standing that can reasonably be expected to cause the Mortgage Loan to be an unacceptable investment, cause the Mortgage Loan to become delinquent, cause the Mortgage Loan to not be paid in full when due, or adversely affect the value of the Mortgage Loan;

 

(65)  The Mortgage Loan was not prepaid in full prior to the Closing Date and the Seller has not received notification from a Mortgagor that a prepayment in full shall be made after the Closing Date;

 

(66)  No Mortgagor is the obligor on more than two Mortgage Notes;

 

(67)  With respect to any Mortgage Loan that contains a provision permitting imposition of a Prepayment Charge upon a Principal Prepayment prior to maturity: (i) prior to the Mortgage Loan’s origination, the Mortgagor agreed to such Prepayment Charge in exchange for a monetary benefit, including but not limited to a Mortgage Interest Rate or fee reduction, (ii) prior to the Mortgage Loan’s origination, the Mortgagor was offered the option of obtaining a Mortgage Loan that did not require payment of a Prepayment Charge, (iii) the Prepayment Charge is disclosed to the Mortgagor in the Mortgage Loan Documents pursuant to applicable state and federal law, (iv) for Mortgage Loans
originated on or after September 1, 2004, the duration of the prepayment period shall not exceed three (3) years from the date of the Mortgage Note, unless the Mortgage Loan was modified to reduce the prepayment period to no more than three years from the date of the Mortgage Note and the Mortgagor was notified in writing of such reduction in the prepayment period, (v) no Mortgage Loan originated prior to October 1, 2002 has a Prepayment Charge longer than five years (vi) notwithstanding any state or federal law to the contrary, the Seller shall not impose such Prepayment Charge in any instance when the Mortgage debt is accelerated as the result of the Mortgagor’s default in making the Monthly Payments; 

 

(68)  No predatory, abusive or deceptive lending practices, including but not limited to, the extension of credit to a Mortgagor without regard for the Mortgagor’s ability to repay the Mortgage Loan and the extension of credit to a Mortgagor which has no tangible net benefit to the Mortgagor, were employed in connection with the origination of the Mortgage Loan. Each Mortgage Loan is in compliance with the anti-predatory lending eligibility for purchase requirements of FNMA’s Selling Guide. No Mortgagor was encouraged or required to select a Mortgage Loan product offered by the Mortgage Loan’s originator which is a higher cost product designed for less creditworthy
borrowers, unless at the time of the Mortgage Loan’s origination, such Mortgagor did not qualify taking into account credit history and debt to income ratios for a lower cost credit product then offered by the Mortgage Loan’s originator or any affiliate of the Mortgage Loan’s originator. If, at the time of the related loan application, the Mortgagor may have qualified for a lower cost credit product then offered by any mortgage lending affiliate of the Mortgage Loan’s originator, the Mortgage Loan’s originator referred the Mortgagor’s application to such affiliate for underwriting consideration; 

 

(69)  The methodology used in underwriting the extension of credit for each Mortgage Loan employs objective mathematical principles which relate the Mortgagor’s income, assets and liabilities to the proposed payment and such underwriting methodology does not rely on the extent of the Mortgagor’s equity in the collateral as the principal determining factor in approving such credit extension. Such underwriting methodology confirmed that at the time of origination (application/approval) the Mortgagor had a reasonable ability to make timely payments on the Mortgage Loan;

 

(70)  All points, fees and charges, including finance charges (whether or not financed, assessed, collected or to be collected), in connection with the origination and servicing of each Mortgage Loan were disclosed in writing to the related Mortgagor in accordance with applicable state and federal law and regulation. Except in the case of a Mortgage Loan in an original principal amount of less than $60,000 which would have resulted in an unprofitable origination, no related Mortgagor was charged “points and fees” (whether or not financed) in an amount greater than 5% of the principal amount of such loan, such 5% limitation is calculated in accordance with FNMA’s
anti-predatory lending requirements as set forth in the FNMA Selling Guide; 

 

(71)  No Mortgagor was required to purchase any credit life, disability, accident or health insurance product or debt cancellation agreement as a condition of obtaining the extension of credit. No Mortgagor obtained a prepaid single premium credit life, disability, accident or health insurance policy in connection with the origination of the Mortgage Loan, and no proceeds from any Mortgage Loan were used to finance single-premium credit insurance policies or debt cancellation agreements as part of the origination of, or as a condition to closing, such Mortgage Loan; 

 

(72)  The Servicer and any predecessor servicer has fully furnished, in accordance with the Fair Credit Reporting Act and its implementing regulations, accurate and complete information (e.g., favorable and unfavorable) on its borrower credit files to Equifax, Experian and Trans Union Credit Information Company (three of the credit repositories) on a monthly basis; and the Servicer will fully furnish, in accordance with the Fair Credit Reporting Act and its implementing regulations, accurate and complete information (e.g., favorable and unfavorable) on its borrower credit files to Equifax, Experian and Trans Credit Information Company (three of the credit repositories), on a monthly basis;
and

 

With respect to each Mortgage Loan, neither the related Mortgage nor the related Mortgage Note requires the Mortgagor to submit to arbitration to resolve any dispute arising out of or relating in any way to the Mortgage Loan transaction; No Mortgagor agreed to submit to arbitration to resolve any dispute arising out of or relating in any way to the Mortgage Loan transaction.

EXHIBIT B

Representation and Warranties with Respect to the Countrywide Mortgage Loans 

Except for “Mortgage Loans”, which shall mean the Countrywide Mortgage Loans sold by the Seller to the Purchaser, all capitalized terms in this Exhibit C shall have the meanings ascribed to them in the Countrywide Purchase Agreement.

(i)  Mortgage Loan Schedule. The information contained in the Mortgage Loan Schedule is complete, true and correct in all material respects;

 

(ii)  No Delinquencies or Advances. All payments required to be made prior to the related Cut-off Date for such Mortgage Loan under the terms of the Mortgage Note have been made; Countrywide has not advanced funds, or induced, solicited or knowingly received any advance of funds from a party other than the owner of the Mortgaged Property subject to the Mortgage, directly or indirectly, for the payment of any amount required by the Mortgage Loan; and there has been no delinquency of more than thirty (30) days in any payment by the Mortgagor thereunder during the last twelve (12) months;

 

(iii)  Taxes, Assessments, Insurance Premiums and Other Charges. There are no delinquent taxes, ground rents, or insurance premiums, and Countrywide has no knowledge of any delinquent water charges, sewer rents, assessments, leasehold payments, including assessments payable in future installments or other outstanding charges affecting the related Mortgaged Property;

 

(iv)  No Modifications. The terms of the Mortgage Note and the Mortgage have not been impaired, waived, altered or modified in any respect, except by written instruments that have been or will be recorded or registered with the MERS System, if necessary to protect the interests of the Purchaser, and that have been or will be delivered to the Purchaser, all in accordance with this Agreement. The substance of any such waiver, alteration or modification has been approved by the primary mortgage guaranty insurer, if any, and by the title insurer, to the extent required by the related policy and its terms
are reflected on the Mortgage Loan Schedule. No Mortgagor has been released, in whole or in part, except in connection with an assumption agreement approved by the primary mortgage insurer, if any, and the title insurer, to the extent required by the policy, and which assumption agreement is part of the Collateral File and the terms of which are reflected in the Mortgage Loan Schedule if executed prior to the Closing Date;

 

(v)  No Defenses. The Mortgage Note and the Mortgage are not subject to any right of rescission, set-off, counterclaim or defense, including the defense of usury, nor will the operation of any of the terms of the Mortgage Note and the Mortgage, or the exercise of any right thereunder, render the Mortgage unenforceable, in whole or in part, or subject to any right of rescission, set-off, counterclaim or defense, including the defense of usury, and no such right of rescission, set-off, counterclaim or defense has been asserted with respect thereto;

 

(vi)  Hazard and Flood Insurance. All buildings upon the Mortgaged Property are insured by an insurer acceptable to an Agency against loss by fire, hazards of extended coverage and such other hazards as are customary in the area where the Mortgaged Property is located, and such insurer is licensed to do business in the state where the Mortgaged Property is located. All such insurance policies contain a standard mortgagee clause naming Countrywide, its successors and assigns as mortgagee, and all premiums thereon have been paid. If, upon the origination of the Mortgage Loan, the Mortgaged Property
was, or was subsequently deemed to be, in an area identified in the Federal Register by the Federal Emergency Management Agency as having special flood hazards (and such flood insurance has been made available), a flood insurance policy that meets the requirements of the current guidelines of the Federal Insurance Administration (or any successor thereto) and conforms to the requirements of an Agency is in effect. The Mortgage obligates the Mortgagor thereunder to maintain all such insurance at the Mortgagor’s expense and, upon the failure of the Mortgagor to do so, the holder of the Mortgage is authorized to maintain such insurance at the Mortgagor’s expense and to seek reimbursement 

 

(vii)  Compliance with Applicable Law. Each Mortgage Loan, including any Prepayment Charge or penalty in connection therewith, at the time of origination complied in all material respects with applicable local, state and federal laws, and any applicable ordinances, including truth in lending, real estate settlement procedures, consumer credit protection, equal credit opportunity, predatory and abusive lending and disclosure laws applicable to the Mortgage Loan;

 

(viii)  No Release of Mortgage. The Mortgage has not been satisfied, canceled, subordinated, or rescinded, in whole or in part, and the Mortgaged Property has not been released from the lien of the Mortgage, in whole or in part, nor has any instrument been executed that would effect any such release, cancellation, subordination or rescission;

 

(ix)  Enforceability of Mortgage Documents. The Mortgage Note and the related Mortgage are genuine and each is the legal, valid and binding obligation of the maker thereof, enforceable in accordance with its terms, except as the enforceability thereof may be limited by bankruptcy, insolvency, reorganization or similar laws;

 

(x)  Valid First or Second Lien. Each related Mortgage is a valid, subsisting and enforceable First Lien (with respect to a First Lien Mortgage Loan) or Second Lien (with respect to a Second Lien Mortgage Loan) on the related Mortgaged Property, including all improvements on the Mortgaged Property. The lien of the Mortgage is subject only to:

 

 

(i)  the lien of current real property taxes and assessments not yet due and payable;

 

(ii)  covenants, conditions and restrictions, rights of way, easements and other matters of public record as of the date of recording that are acceptable to mortgage lending institutions generally and specifically referred to in the lender’s title insurance policy delivered to the originator of the Mortgage Loan and that do not adversely affect the Appraised Value (as evidenced by an appraisal referred to in such definition) of the Mortgaged Property set forth in such appraisal; 

 

(iii)  with respect to a Second Lien Mortgage Loan only, the lien of the first mortgage on the Mortgaged Property; and

 

(iv)  other matters to which like properties are commonly subject which do not materially interfere with the benefits of the security intended to be provided by the Mortgage or the use, enjoyment, value or marketability of the related Mortgaged Property;

 

(xi)  Disbursements of Proceeds. The proceeds of the Mortgage Loan have been fully disbursed, and there is no requirement for future advances thereunder, and any and all requirements as to completion of any on-site or off-site improvement and as to disbursements of any escrow funds therefore have been complied with. All costs, fees and expenses incurred in making or closing the Mortgage Loan and recording the Mortgage were paid, and the Mortgagor is not entitled to any refund of any amounts paid or due under the Mortgage Note or Mortgage;

 

(xii)  Sole Owner. Countrywide is the sole owner and holder of the Mortgage Loan. The Mortgage Loan is not assigned or pledged, and Countrywide has good and marketable title thereto, and has full right to transfer and sell the Mortgage Loan to the Purchaser free and clear of any encumbrance, equity, lien, pledge, charge, claim or security interest and has full right and authority subject to no interest or participation of, or agreement with, any other party, to sell and assign each Mortgage Loan pursuant to the terms of this Agreement;

 

(xiii)  Title Insurance. Each Mortgage Loan that is a First Lien Mortgage Loan and each Mortgage Loan that is a Second Lien Mortgage Loan with an original principal balance greater than $100,000, in either case, is covered by a lender’s title insurance policy acceptable to an Agency, issued by a title insurer acceptable to an Agency and qualified to do business in the jurisdiction where the related Mortgaged Property is located, insuring (subject to the exceptions contained in Section 3.02(j)(i), (ii) and (iii) above) Countrywide, its successors and assigns as to the first or second priority
lien of the Mortgage, as applicable. Additionally, such lender’s title insurance policy affirmatively insures ingress and egress, and against encroachments by or upon the Mortgaged Property or any interest therein. With respect to any Adjustable Rate Mortgage Loan, such title insurance policy insures against any loss by reason of the invalidity or unenforceability of the lien resulting from the provisions of the Mortgage Note providing for adjustment of the Mortgage Interest Rate and Monthly Payment. Countrywide is the sole insured of such lender’s title insurance policy, and such lender’s title insurance policy is in full force and effect and will be in full force and effect upon the consummation of the transactions contemplated by this Agreement. No claims have been made under such lender’s title insurance policy, and no prior holder of the related Mortgage, including Countrywide, has done, by act or omission, anything which would impair the coverage of such lender’s title
insurance policy;

 

(xiv)  No Default. There is no default, breach, violation or event of acceleration existing under the Mortgage or the Mortgage Note and no event which, with the passage of time or with notice and the expiration of any grace or cure period, would constitute a default, breach, violation or event of acceleration, and Countrywide has not waived any default, breach, violation or event of acceleration, and with respect to any Second Lien Mortgage Loan, Countrywide has not received a written notice of default of any senior mortgage loan related to the Mortgaged Property which has not been
cured;

 

(xv)  No Mechanics’ Liens. There are no mechanics’ or similar liens or claims which have been filed for work, labor or material (and no rights are outstanding that under law could give rise to such lien) affecting the related Mortgaged Property which are or may be liens prior to, or equal or coordinate with, the lien of the related Mortgage;

 

(xvi)  Origination, Servicing and Collection Practices. The origination, servicing and collection practices used by Countrywide with respect to each Mortgage Note and Mortgage have been in all respects legal, proper, prudent and customary in the mortgage origination and servicing business. With respect to escrow deposits and Escrow Payments, if any, all such payments are in the possession of, or under the control of, Countrywide and there exist no deficiencies in connection therewith for which customary arrangements for repayment thereof have not been made. No escrow deposits or Escrow Payments or
other charges or payments due Countrywide have been capitalized under any Mortgage or the related Mortgage Note. With respect to Adjustable Rate Mortgage Loans, all Mortgage Interest Rate adjustments have been made in strict compliance with state and federal law and the terms of the related Mortgage Note. Any interest required to be paid pursuant to state and local law has been properly paid and credited;

 

(xvii)  No Condemnation or Damage. The Mortgaged Property is free of material damage and waste and there is no proceeding pending for the total or partial condemnation thereof;

 

(xviii)  Customary and Enforceable Provisions. The Mortgage contains customary and enforceable provisions such as to render the rights and remedies of the holder thereof adequate for the realization against the Mortgaged Property of the benefits of the security provided thereby including (a) in the case of a Mortgage designated as a deed of trust, by trustee’s sale, and (b) otherwise by judicial foreclosure;

 

(xix)  Collateral. The Mortgage Note is not and has not been secured by any collateral except the lien of the corresponding Mortgage;

 

(xx)  Appraisal. Unless the Mortgage Loan was underwritten pursuant to one of Countrywide’s streamline documentation programs, the Credit File contains an appraisal of the related Mortgaged Property signed prior to the approval of the Mortgage Loan application by an appraiser who meets the minimum requisite qualifications of an Agency for appraisers, duly appointed by the originator, that had no interest, direct or indirect in the Mortgaged Property, and whose compensation is not affected by the approval or disapproval of the Mortgage Loan; the appraisal is in a form acceptable to an Agency,
with such riders as are acceptable to such Agency. All improvements which were considered in determining the Appraised Value of the related Mortgaged Property lay wholly within the boundaries and building restriction lines of the Mortgaged Property, and no improvements on adjoining properties encroach upon the Mortgaged Property. Each appraisal of the Mortgage Loan was made in accordance with the relevant provisions of the Financial Institutions Reform, Recovery, and Enforcement Act of 1989;

 

(xxi)  Trustee for Deed of Trust. In the event the Mortgage constitutes a deed of trust, a trustee, duly qualified under applicable law to serve as such, has been properly designated and currently so serves and is named in the Mortgage, and no fees or expenses are or will become payable by the Purchaser to the trustee under the deed of trust, except in connection with a trustee’s sale after default by the Mortgagor;

 

(xxii)  Private Mortgage Insurance, FHA Insurance and VA Guarantees. Each Mortgage Loan, except a Second Lien Mortgage Loan or a Mortgage Loan underwritten in accordance with sub-prime credit underwriting guidelines (as any such Mortgage Loans may be identified in the Mortgage Loan Schedule), with an LTV at origination in excess of eighty percent (80%) is and will be subject to a PMI Policy, which insures that portion of the Mortgage Loan over seventy-five percent (75%) of the Appraised Value of the related Mortgaged Property. All provisions of such PMI Policy have been and are being complied with,
such policy is in full force and effect, and all premiums due thereunder have been paid. Any Mortgage subject to any such PMI Policy obligates the Mortgagor thereunder to maintain such insurance and to pay all premiums and charges in connection therewith or, in the case of a lender paid mortgage insurance policy, the premiums and charges are included in the Mortgage Interest Rate for the Mortgage Loan. Each Government Mortgage Loan either has, or will have in due course, a valid and enforceable MIC or LGC, as applicable and, in each case, all premiums due thereunder have been paid;

 

(xxiii)  Lawfully Occupied. At origination, to the best of Countrywide’s knowledge as of the Closing Date, the Mortgaged Property is lawfully occupied under applicable law. All inspections, licenses and certificates required to be made or issued with respect to all occupied portions of the Mortgaged Property and, with respect to the use and occupancy of the same including certificates of occupancy, have been made or obtained from the appropriate authorities;

 

(xxiv)  Assignment of Mortgage. Except for the absence of recording information, the Assignment of Mortgage is in recordable form and is acceptable for recording under the laws of the jurisdiction in which the Mortgaged Property is located. The original Mortgage was or is being recorded and, unless the Mortgage Loan is subject to the MERS System, all subsequent assignments of the original Mortgage (other than the assignment to Purchaser) have been recorded in the appropriate jurisdiction wherein such recordation is necessary to perfect the lien thereof against creditors of Countrywide, or is in the
process of being recorded;

 

(xxv)  Consolidation of Future Advances. Any future advances made to the Mortgagor prior to the Cut-off Date have been consolidated with the outstanding principal amount secured by the Mortgage, and the secured principal amount, as consolidated, bears a single interest rate and single repayment term. The consolidated principal amount does not exceed the original principal amount of the Mortgage Loan;

 

(xxvi)  Form of Mortgage Note and Mortgage. The Mortgage Note and Mortgage are on forms acceptable to an Agency; 

 

(xxvii)  Section 32 Loans. No Mortgage Loan is (a) subject to the provisions of the Homeownership and Equity Protection Act of 1994 as amended (“HOEPA”), (b) a “high cost” mortgage loan, “high risk” mortgage loan; “covered” mortgage loan or “predatory” mortgage loan or a similarly classified mortgage loan using different terminology under a law imposing heightened regulatory scrutiny or additional legal liability for residential mortgage loans having high interest rates, points and /or fees, no matter how defined, under any federal, state or local law
or ordinance, including, without limitation, Section 6-L of the New York Banking Law or (c) subject to any comparable federal, state or local statutes or regulations, including, without limitation, the provisions of the Georgia Fair Lending Act or any other statute or regulation providing assignee liability to holders of such mortgage loans;

 

(xxviii)  Originator Supervision. The Mortgage Loan was originated by Countrywide or by a savings bank, a commercial bank or similar banking institution which is supervised and examined by a federal or state authority, or by a mortgagee approved as such by the Secretary of HUD;

 

(xxix)  Foreclosure; Bankruptcy. The Mortgaged Property has not been subject to any bankruptcy proceeding or foreclosure proceeding and the Mortgagor has not filed for protection under applicable bankruptcy laws. There is no homestead or other exemption available to the Mortgagor which would interfere with the right to sell the Mortgaged Property at a trustee’s sale or the right to foreclose the Mortgage. Countrywide has no knowledge of any relief requested or allowed to the Mortgagor under the Soldiers and Sailors Civil Relief Act of 1940; 

 

(xxx)  Payment Source; Buydown. No Mortgage contains provisions pursuant to which Monthly Payments are (a) paid or partially paid with funds deposited in any separate account established by the Seller, the Mortgagor, or anyone on behalf of the Mortgagor, (b) paid by any source other than the Mortgagor or (c) contains any other similar provisions which may constitute a “buydown” provision. The Mortgage Loan is not a graduated payment mortgage loan and the Mortgage Loan does not have a shared appreciation or other contingent interest feature;

 

(xxxi)  Construction; Exchange. No Mortgage Loan was made solely in connection with (a) the construction or rehabilitation of a Mortgaged Property or (b) facilitating the trade-in or exchange of a Mortgaged Property.

 

(xxxii)  Investment. Countrywide has no knowledge of any circumstances or condition with respect to the Mortgage, the Mortgaged Property, the Mortgagor, or the Mortgagor’s credit standing that can reasonably be expected to cause the Mortgage Loan to be an unacceptable investment, cause the Mortgage Loan to become delinquent, or materially and adversely affect the value of the Mortgage Loan.

 

(xxxiii)  Accrual Method. Interest on each Mortgage Loan is calculated on the basis of a 360-day year consisting of twelve 30-day months; and

 

(xxxiv)  Lending Practices. No predatory, abusive or deceptive lending practices, including, but not limited to, the extension of credit to the Mortgagor without regard for the Mortgagor’s ability to repay the Mortgage Loan and the extension of credit to the Mortgagor which has no apparent benefit to the Mortgagor, were employed by the originator of the Mortgage Loan in connection with the origination of the Mortgage Loan;

 

(xxxv)  Prepayment Charges. Each Prepayment Charge or penalty with respect to any Mortgage Loan is permissible, enforceable and collectible under applicable federal, state and local law;

 

(xxxvi)  No Adverse Selection. The Mortgage Loans were not selected from the outstanding one to four-family mortgage loans in Countrywide’s portfolio at the related Closing Date as to which the representations and warranties set forth in this Agreement could be made in a manner so as to affect adversely the interests of the Purchaser;

 

(xxxvii)  Due on Sale. The Mortgage contains an enforceable provision for the acceleration of the payment of the unpaid principal balance of the Mortgage Loan in the event that the Mortgaged Property is sold or transferred without the prior written consent of the Mortgagee thereunder;

 

(xxxviii)  Legal Capacity. To the best of Countrywide’s knowledge, all parties to the Mortgage Note and the Mortgage had legal capacity to enter into the Mortgage Loan and to execute and deliver the Mortgage Note and the Mortgage, and the Mortgage Note and the Mortgage have been duly and properly executed by such parties. The Mortgagor is a natural person;

 

(xxxix)  Doing Business. Countrywide is, and to the best of Countrywide’s knowledge, all parties which have had any interest in the Mortgage Loan, whether as mortgagee, assignee, 

 

(xl)  Interest Rates; Amortization. Except for a Mortgage Loan, the Monthly Payment of which consists of interest only for a specified period of time (and which Mortgage Loan is identified on the Mortgage Loan Schedule), principal payments on the Mortgage Loan commenced no more than sixty days after the proceeds of the Mortgage Loan were disbursed. The Mortgage Loan bears interest at the Mortgage Interest Rate. With respect to each Mortgage Loan other than an interest-only Mortgage Loan or Balloon Mortgage Loan, the
Mortgage Note is payable on the first day of each month in Monthly Payments, which, in the case of a Fixed Rate Mortgage Loan, is sufficient to fully amortize the original principal balance over the original term thereof and to pay interest at the related Mortgage Interest Rate, and, in the case of an Adjustable Rate Mortgage Loan, is changed on each Adjustment Date and is sufficient to fully amortize the original principal balance over the original term thereof and to pay interest at the related Mortgage Interest Rate. With respect to each Mortgage Loan identified on the Mortgage Loan Schedule as an interest-only Mortgage Loan, the interest-only period shall not exceed the period specified on the Mortgage Loan Schedule and, following the expiration of such interest-only period, the remaining Monthly Payments shall be sufficient to fully amortize the original principal balance over the remaining term of the Mortgage Loan. With respect to each Balloon Mortgage Loan, the Mortgage Note requires Monthly
Payments sufficient to fully amortize the original principal balance over the original term thereof and to pay interest at the related Mortgage Interest Rate but requires a final Monthly Payment which is substantially greater than the penultimate Monthly Payment and sufficient to repay the remaining unpaid principal balance of the Balloon Mortgage Loan on the Due Date of such final Monthly Payment;

 

(xli)  Underwriting Standards. The Mortgage Loan was underwritten in accordance with the underwriting standards of Countrywide in effect at the time the Mortgage Loan was originated;

 

(xlii)  Disclosures. The Mortgagor has received all disclosure materials required by applicable law with respect to the making of fixed rate mortgage loans in the case of Fixed Rate Mortgage Loans, and adjustable rate mortgage loans in the case of Adjustable Rate Mortgage Loans and rescission materials with respect to Refinanced Mortgage Loans, and such statement is and will remain in the Mortgage File;

 

(xliii)  No Fraud. No error, omission, misrepresentation, fraud or similar occurrence with respect to a Mortgage Loan has taken place on the part of Countrywide or, to the best of Countrywide’s knowledge, any other person, including without limitation the Mortgagor, any appraiser, any builder or developer, or any other party involved in the origination of the Mortgage Loan or in the application of any insurance in relation to such Mortgage Loan;

 

(xliv)  Condominiums; Planned Unit Developments. If the Residential Dwelling on the Mortgaged Property is a condominium unit or a unit in a planned unit development (other than a de minimis planned unit development) such condominium or planned unit development project meets the eligibility requirements of FNMA and FHLMC;

 

(xlv)  No Credit Life. No Mortgagor was required to purchase any credit life, disability, accident or health insurance product as a condition of obtaining the extension of credit. No proceeds from any Mortgage Loan were used to purchase single premium credit insurance policies as a condition to closing such Mortgage Loan;

 

(xlvi)  Disclosure of Fees and Charges. All fees and charges (including finance charges), whether or not financed, assessed, collected or to be collected in connection with the origination and servicing of a Mortgage Loan, have been disclosed in writing to the Mortgagor in accordance with applicable state and federal law and regulation;

 

(xlvii)  Compliance with Consumer Credit Statutes. The Mortgage Loan complies with all applicable consumer credit statutes and regulations, including, without limitation, the respective Uniform Consumer Credit Code laws in effect in Colorado, Idaho, Indiana, Iowa, Kansas, Maine, Oklahoma, South Carolina, Utah and Wyoming, has been originated by a properly licensed entity, and in all other respects, complies with all of the material requirements of any such applicable laws;

 

(xlviii)  No Coops, Commercial Property or Mobile Homes. No Mortgage Loan is secured by cooperative housing, commercial property or mixed use property, and no Mortgage Loan is a manufactured or mobile home;

 

(xlix)  Fair Credit Reporting. Countrywide has fully furnished and will continue to furnish, in accordance with the Fair Credit Reporting Act and its implementing regulations (the “FCRA”), accurate and complete information (i.e., favorable and unfavorable) on its Mortgagor credit files to Equifax, Experian, and Trans Union Credit Information Company (three of the credit repositories), on a monthly basis, and will fully furnish, in accordance with the FCRA, accurate and complete information (i.e., favorable and unfavorable) on its mortgagor credit files to Equifax, Experian, and Trans Union
Credit Information Company, on a monthly basis;

 

(l)  Privacy. With regard to each Mortgagor, Countrywide shall at all times comply with all laws and regulations regarding use, disclosure and safeguarding of any and all customer information, including without limitation the Gramm Leach Bliley Act, the Fair Credit Reporting Act and Regulation P. Countrywide has implemented or will implement appropriate measures designed to meet the objectives of the Interagency Guidelines Establishing Standards for Safeguarding Customer Information, 12 CFR Part 30 Appendix B, and has been and continues to be engaged in reviewing its information security program,
training of staff, and testing of controls, systems and procedures as required by those guidelines;

 

(li)  Anti-Money Laundering Laws. Countrywide has complied with all applicable anti-money laundering laws and regulations, including without limitation the USA Patriot Act of 2001 (collectively, the “Anti-Money Laundering Laws”); Countrywide has established an anti-money laundering compliance program as required by the Anti-Money Laundering Laws, has conducted the requisite due diligence in connection with the origination of each Mortgage Loan for purposes of the Anti-Money Laundering Laws, including with respect to the legitimacy of the applicable Mortgagor and the origin of the assets
used by the said Mortgagor to purchase the property in question, and maintains, and will maintain, sufficient information to identify the applicable Mortgagor for purposes of the Anti-Money Laundering Laws;

 

(lii)  OFAC. No Mortgage Loan is subject to nullification pursuant to Executive Order 13224, an no Mortgagor is subject to the provisions of such Executive Order;

 

(liii)  MOM Loans; Assignments. With respect to each MOM Loan, a MIN has been assigned by MERS and such MIN is accurately provided on the Mortgage Loan Schedule. The related Assignment of Mortgage to MERS has been duly and properly recorded, or has been delivered for recording to the applicable recording office;

 

(liv)  MOM Loans; No Notices of Liens. With respect to each MOM Loan, Countrywide has not received any notice of liens or legal actions with respect to such Mortgage Loan and no such notices have been electronically posted by MERS;

 

(lv)  The Mortgage Note (or lost note affidavit with market standard indemnification), the Mortgage, the assignment of Mortgage and any other documents required to be delivered with respect to each Mortgage Loan have been delivered to the Purchaser all in compliance with the specific requirements of this Agreement. With respect to each Mortgage Loan, Countrywide is in possession of a complete Credit File except for such documents as have been delivered to the Purchaser or as otherwise permitted under this Agreement. No more than 2% of the related Mortgage Loan Package may consist of lost note affidavits in lieu of Mortgage Notes; and

 

(lvi)  Immediately prior to the payment of the Purchase Price for each Mortgage Loan, Countrywide was the owner of the related Mortgage and the indebtedness evidenced by the related Mortgage Note and upon the payment of the Purchase Price by the Purchaser, in the event that Countrywide or one of its affiliates retains record title, Countrywide or such affiliate shall retain such record title to each Mortgage, each related Mortgage Note and the related Mortgage Files with respect thereto in trust for the Purchaser as the owner thereof and only for the purpose of servicing and supervising or facilitating the servicing of each Mortgage Loan.

 

EXHIBIT C

Representation and Warranties with Respect to the RFC Mortgage Loans and Secured Bankers Mortgage Loans 

Except for “Mortgage Loans”, which shall mean the RFC Mortgage Loans and the Secured Bankers Mortgage Loans sold by the Seller to the Purchaser, all capitalized terms in this Exhibit B shall have the meanings ascribed to them in the CitiMortgage Purchase Agreement.

Seller hereby represents and warrants to Purchaser that, as to each Mortgage Loan, as of the applicable Closing Date (or such other date as may be specified herein):

 

i)  The information set forth on the Mortgage Loan Schedule and the magnetic tape or diskette delivered to Purchaser by Seller is complete, true and correct;

 

ii)  The Mortgage Note and the Mortgage have not been assigned or pledged, and Seller has good and marketable title thereto, and Seller is the sole owner and holder of the Mortgage Loan free and clear of any and all liens, claims, encumbrances, participation interests, equities, pledges, charges or security interests of any nature and has full right and author-ity, subject to no interest or participation of, or agreement with, any other party, to sell and assign the same pursuant to this Agreement;

 

iii)  The Mortgage is a valid, enforceable and subsisting first lien on the property therein described, and the Mortgaged Property is free and clear of any and all adverse claims, encumbrances and liens having priority over the first lien of the Mort-gage except for (i) liens for current real estate taxes and special assessments not yet due and payable, (ii) covenants, conditions and restrictions, rights of way, easements and other matters of public record as of the date of recording being acceptable to mortgage lending institutions generally and specifically referred to in the lender's title insurance policy delivered to the originator of the Mortgage Loan and which do not adversely affect the Appraised
Value of the Mortgaged Property, and (iii) other matters to which like properties are commonly subject which do not materially interfere with the benefits of the security intended to be provided by the Mortgage or the use, enjoyment, value or marketability of the related Mortgaged Property. Any security agreement, chattel mortgage or equivalent document related to the Mortgage Loan and delivered to Purchaser establishes in Seller a valid, enforceable and sub-sisting first lien and first priority security interest with respect to each first lien Mortgage Loan on the property described therein, and Seller has full right to sell and assign the same to Purchaser. The Mortgaged Property was not, as of the date of origination of the Mortgage Loan, subject to a mortgage, deed of trust, deed to secure debt or other security instrument creating a lien subordinate to the lien of the Mortgage;

 

iv)  Except to the extent of a discharge Chapter 7, the terms of the Mortgage Note and the Mortgage have not been impaired, waived, altered or modified in any respect, except by a written instrument which has been recorded in the appropriate public recording office, if required by law, or, if necessary, to protect the interest of Purchaser and which have been delivered to Purchaser. The substance of any such alteration or modification is reflected on the Mortgage Loan Schedule and has been approved by the issuer of any related Primary Mortgage Insurance Policy, if any, and the title insurer, to the extent required by the related policy;

 

v)  Except to the extent of a discharge Chapter 7, no instrument of release, alteration, modification or waiver has been executed in connection with the Mortgage Loan, and no Mortgagor has been released, in whole or in part, except in connection with an assumption agreement which has been approved by the issuer of any Private Mortgage Insurance Policy, if any, and the title insurer, to the extent required by the related policy, and except such Mortgage Loan which contains in the related Mortgage File, as set forth on the related Mortgage Loan Schedule, evidence of a release or waiver or an assumption agreement discharging the original borrower from all of the debt obligations in connection with the related
Mortgage Loan and providing for the assumption of all such debt obligations by the party assuming the obligations under the Mortgage Loan and, in each case, terms of which are reflected in the Mortgage Loan Schedule;

 

vi)  All taxes, governmental assessments, insurance premiums, water, sewer and municipal charges, leasehold payments or ground rents which previously became due and owing have been paid, or an escrow of funds has been established in an amount sufficient to pay for every such item which remains unpaid and which has been assessed but is not yet due and payable and except as permitted in clause (l), there are no defaults in complying with the terms of the Mortgage. Seller has not advanced funds, or induced, solicited or knowingly received any advance of funds by a party other than the Mortgagor, directly or indirectly, for the payment of any amount required by the Mortgage Note or Mortgage, except for
interest accruing from the date of the Mortgage Note or date of disbursement of the Mortgage proceeds, whichever is greater, to the day which precedes by one month the Due Date of the first installment of principal and interest;

 

vii)  The Mortgaged Property is free of material damage and waste and there is no proceeding pending or threatened for the total or partial condemnation of the Mortgaged Property, nor is such a proceeding currently occurring, and such property is undamaged by waste, fire, earthquake or earth movement, windstorm, flood, tornado or other casualty, so as to affect materially and adversely the value of the Mortgaged Property as security for the Mortgage Loan or the use for which the premises were intended;

 

viii)  There are no mechanics' or similar liens or claims which have been filed for work, labor or material (and no rights are outstanding that under law could give rise to such lien) affecting the Mortgaged Property which are, or may be, liens prior or equal to, or coordinate with, the lien of the related Mortgage unless such lien is insured under the related title insurance policy;

 

ix)  All improvements which were included for the purpose of determining the Appraised Value of the Mortgaged Property lie wholly within the boundaries and building restriction lines of the Mortgaged Property and, to Seller's knowledge, no improvements on adjoining properties encroach upon the Mortgaged Property (other than minor encroachments (i) which do not affect the value of the Mortgage Loan or the Purchaser’s interest therein and (ii) to which properties similar to the Mortgaged Property within the same jurisdiction are commonly subject and which do not interfere with the benefits of the security intended to be provided by the related Mortgage or the use, enjoyment, value or marketability of
the related Mortgaged Property). Each appraisal has been performed in accordance with the provisions of Title XI of FIRREA and the regulations promulgated thereunder;

 

x)  No improvement located on or being part of the Mortgaged Property is in violation of any applicable zoning law or regulation and all inspections, licenses and certificates required to be made or issued with respect to all occupied portions of the Mortgaged Property and, with respect to the use and occupancy of the same, including but not limited to certificates of occupancy and fire underwriting certif-icates, have been made or obtained from the appropriate authorities and the Mortgaged Property is lawfully occupied under applicable law;

 

xi)  All parties which have had any interest in the Mortgage Loan, whether as mortgagee, assignee, pledgee or otherwise, are (or, during the period in which they held and disposed of such interest, were) (i) in compliance with any and all applicable licensing requirements of the laws of the state wherein the Mortgaged Property is located, and (ii) either (1) organized under the laws of such state, or (2) qualified to do business in such state, or (3) federal savings and loan associations, federal savings banks or national banks having authorized offices in such state, or (4) not doing business in such state;

 

xii)  Unless otherwise disclosed in the Commitment Letter, all Monthly Payments due prior to the related Cut-off Date for such Mortgage Loan have been made by the related Closing Date and no Monthly Payment due under any Mortgage Loan has been more than thirty (30) days due past the related Due Date, exclusive of any grace period, within the prior twelve months prior to the Cut-off Date. The Seller has not advanced funds, or induced, solicited or knowingly received any advance of funds from a party other than the owner of the related Mortgaged Property, directly or indirectly, for the payment of any amount required by the Mortgage Note or Mortgage; 

 

xiii)  The Mortgage has not been satisfied, canceled, subordinated or rescinded, in whole or in part, and the Mortgaged Property has not been released from the lien of the Mortgage, in whole or in part, nor has any instrument been executed that would effect any such satisfaction, release, cancellation, subordination or rescission, except in connection with an assumption agreement which has been delivered to the Purchaser; and any such release is reflected on the Mortgage Loan Schedule;

 

xiv)  The Mortgage File contains each of the documents and instruments specified to be included therein duly executed and in due and proper form, and each such document or instrument is in form acceptable to Fannie Mae or Freddie Mac, and each Mortgage Note, Mortgage, and appraisal are on forms acceptable to Fannie Mae or Freddie Mac;

 

xv)  The Mortgage Note and the related Mortgage are genuine, and each is the legal, valid and binding obligation of the maker thereof, enforceable in accordance with its terms, except as enforceability may be limited by applicable bankruptcy, insolvency, reorganization or other similar laws relating to or affecting the enforcement of creditors' rights and by general principles of equity. All parties to the Mortgage Note and the Mort-gage had legal capacity to execute the Mortgage Note and the Mortgage, and each Mortgage Note and Mortgage have been duly and properly executed by such parties;

 

xvi)  Any and all requirements of any federal, state or local law including, without limitation, usury, truth-in-lending, real estate settlement procedures, consumer credit protection, predatory and abusive lending, equal credit opportunity or disclo-sure laws applicable to the originating or servicing of the Mortgage Loans have been complied with and the consummation of the transactions contemplated hereby will not involve the violation of any such laws;

 

xvii)  The proceeds of the Mortgage Loan have been fully disbursed to or for the account of the Mortgagor, there is no requirement for future advances thereunder and any and all requirements as to comple-tion of any on-site or off-site improvements and as to disbursements of any escrow funds therefor have been complied with. All costs, fees and expenses incurred in making or closing Mortgage Loans and the recording of the Mortgage were paid and the Mortgagor is not entitled to any refund of any amounts paid or due under the Mortgage Note or Mortgage;

 

xviii)  Any future advances made prior to the Cut-off Date have been consolidated with the outstanding principal amount secured by the Mortgage, and the secured princi-pal amount, as consolidated, bears a single interest rate and single repayment term reflected on the Mort-gage Loan Schedule. The lien of the Mortgage securing the consolidated principal amount is expressly insured as having first lien priority by a title insurance policy, an endorsement to the policy insuring the Mortgagee's consolidated interest or by other title evidence acceptable to Fannie Mae or Freddie Mac. The consolidated principal amount does not exceed the original principal amount of the Mortgage Loan;

 

xix)  All improvements upon the Mortgaged Property are insured by a Qualified Insurer against loss by fire, hazards of extended coverage and such other hazards as are customary in the area where the Mortgaged Property is located, pursuant to insurance policies conforming to the requirements of Section 10.15 hereof. All individual insurance policies (collectively, the "hazard insurance policy") are in full force and effect and are the valid and binding obligation of the insurer and contain a standard mortgagee clause naming Seller, its successors and assigns, as mortgagee. All premiums thereon have been paid. If the Mortgaged Property is in an area identified in the Federal Register by the Federal Emergency
Management Agency as having special flood hazards (and such flood insurance has been made available) Seller will cause to be maintained a flood insurance policy meeting the requirements of the current guide-lines of the Federal Insurance Administration with an insurance carrier acceptable to Fannie Mae and Freddie Mac, in an amount representing coverage not less than the least of (i) the out-standing principal balance of the Mortgage Loan, (ii) the full insurable value of the Mortgaged Property, or (iii) the maximum amount of insurance available under the Flood Disaster Protection Act of 1973, as amended. The Mortgage obligates the Mortgagor thereunder to maintain all such insurance at the Mortgagor's cost and expense, and upon the Mortgagor's failure to do so, authorizes the holder of the Mortgage to obtain and maintain such insurance at the Mortgagor's cost and expense and to seek reimbursement therefor from the Mortgagor;

 

xx)  There is no default, breach, violation or event of acceleration existing under the Mortgage or the related Mortgage Note and, to Seller's knowledge, no event which, with the passage of time or with notice and the expiration of any grace or cure period, would constitute a default, breach, viola-tion or event of acceleration; and Seller has not waived any default, breach, violation or event of acceleration;

 

xxi)  The Mortgage Note and the Mortgage are not subject to any right of rescission, set-off, counterclaim or defense, including, without limitation, the defense of usury, nor will the operation of any of the terms of the Mortgage Note or the Mortgage, or the exercise of any right thereunder, render either the Mortgage Note or the Mortgage unenforceable, in whole or in part, or subject to any right of rescission, set-off, counter-claim or defense, including the defense of usury, and no such right of rescission, set-off, counterclaim or defense has been asserted with respect thereto; and unless otherwise disclosed in the Commitment Letter, the Mortgagor is not and was not at the time the Mortgage Loan was
originated, a debtor in any state or federal bankruptcy or insolvency proceeding;

 

xxii)  No Mortgage Loan has an LTV greater than 100%. If a Mortgage Loan has an LTV greater than 80%, the excess of the principal balance of the Mortgage Loan over 75% of the Appraised Value, with respect to a Refinanced Mortgage Loan, or the lesser of the Appraised Value or the purchase price of the Mortgaged Property, with respect to a purchase money Mortgage Loan, is insured as to payment defaults by a Primary Mortgage Insurance Policy issued by a Qualified Insurer. All provisions of such Primary Mortgage Insurance Policy have been and are being complied with, such policy is in full force and effect, and all premiums due thereunder have been paid. No action, inaction, or event has occurred and no state
of facts exists that has, or will result in the exclusion from, denial of, or defense to coverage. Any Mortgage Loan subject to a Primary Mortgage Insurance Policy obligates the Mortgagor thereunder to maintain the Primary Mortgage Insurance Policy and to pay all premiums and charges in connection therewith until such time as applicable law allows the termination of such insurance. The mortgage interest rate for the Mortgage Loan as set forth on the Mortgage Loan Schedule is net of any such insurance premium;

 

xxiii)  The Mortgage Note is not secured by any collateral, pledged account or other security except the lien of the corresponding Mortgage and the security interest of any applicable security agreement or chattel mortgage referred to in Section 6.01(c);

 

xxiv)  The Mortgage and related Mortgage Note contain customary and enforceable provisions which render the rights and remedies of the holder thereof adequate for the realization against the Mortgaged Property of the benefits of the security provided thereby, including, (i) in the case of a Mortgage designated as a deed of trust, by trustee's sale, and (ii) otherwise by judicial foreclosure, subject only to rights of redemption, seizure and other laws that would not materially interfere with the ultimate realization of the benefits of the security. The Mortgagor has not notified the Seller and the Seller has no knowledge of any relief requested or allowed to the Mortgagor under the Servicemembers Civil
Relief Act;

 

xxv)  No fraud, error, omission, misrepresentation, negligence or similar occurrence with respect to a Mortgage Loan has taken place on the part of Seller or the Mortgagor or, to the best of Seller’s knowledge, any other party involved in the origination of the Mortgage Loan;

 

xxvi)  As to Mortgage Loans that are not Co-op Loans, the Mortgaged Property is located in the state identified in the Mortgage Loan Schedule and consists of a single parcel of real property with a detached single family residence erected thereon, or a townhouse, or a two-to four-family dwelling, or an individual condominium unit in a condominium project, or an individual unit in a planned unit development or a de minimis planned unit development, provided, however, that no residence or dwelling is a single parcel of real property with a cooperative housing corporation erected thereon, or a mobile home. As of the date of origination, no portion of the Mortgaged Property was used for commercial purposes,
and since the date of origination no portion of the Mortgaged Property has been used for commercial purposes. If the Mortgaged Property is a condominium unit or a planned unit development (other than a de minimis planned unit development), or stock in a cooperative housing corporation, such condominium, cooperative or planned unit development project meets the Seller’s eligibility requirements as set forth in the Underwriting Standards or as may otherwise be set forth and agreed to in the related Commitment Letter; 

 

xxvii)  There exist no deficiencies with respect to escrow deposits and payments, if such are required, for which customary arrangements for repayment thereof have not been made, and, to Seller's knowledge, no escrow deposits or payments of other charges or payments due Seller have been capital-ized under the Mortgage or the related Mortgage Note;

 

xxviii)  The origination, collection and servicing practices used by Seller with respect to the Mortgage Note and Mortgage have been in all respects legal and customary in the mortgage servicing business;

 

xxix)  Each Mortgage Loan that is not Co-op Loan is covered by an ALTA or CLTA mortgage title insurance policy acceptable to Fannie Mae or Freddie Mac, or such other generally acceptable form of policy or insurance, issued by and the valid and binding obligation of a Qualified Insurer, insuring Seller, its successors and assigns, as to the first priority lien of the Mortgage in the original principal amount of the Mortgage Loan and against any loss by reason of the invalidity or unenforceability of the lien resulting from the provisions of the Mortgage. Such mortgage title insurance policy insures Seller, its successors and assigns as mortgagee and the assignment to Purchaser of Seller's interest in such mortgage title insurance policy does not require the consent of or notification to the insurer, such mortgage title insurance policy is in full force and effect and will be in full force and effect and inure to the benefit of Purchaser upon the consummation of the trans-actions contemplated by this Agreement. No claims have been made under such mortgage title insurance policy and, to Seller's knowledge, no prior holder of the related Mortgage, including Seller, has done, by act or omission, anything which would impair the coverage of such mortgage title insurance policy;

 

xxx)  Except with respect to Interest Only Mortgage Loans, principal payments on the Mortgage Loan commenced no more than sixty (60) days after the proceeds of the Mortgage Loan were disbursed. The Mortgage Loan bears interest at the Mortgage Interest Rate. With respect to each Mortgage Loan, the Mortgage Note has an original term of not more than thirty (30) years and is payable on the first day of each month; provided, however, in the case of a balloon Mortgage Loan, the Mortgage Loan matures at least five (5) years after the first payment date thereby requiring a final payment of the outstanding principal balance prior to the full amortization of the Mortgage Loan. Except with respect to Interest Only
Mortgage Loans, the Monthly Payments will fully amortize the Stated Principal Balance of the Mortgage Loan over its remaining term at the Mortgage Interest Rate. The Mortgage Note does not permit negative amortization. The Monthly Payment on each Interest Only Mortgage Loan during the related interest-only period is equal to the product of the related Mortgage Interest Rate and the principal balance of such Mortgage Loan on the first day of each month and after such interest-only period, except with respect to Interest Only Mortgage Loans that are Adjustable Rate Mortgage Loans, such Mortgage Loan is payable in equal monthly installments of principal and interest;

 

xxxi)  No Mortgage Loan is classified as a “high cost” mortgage loan under the Home Ownership and Equity Protection Act of 1994, as amended, nor is any Mortgage Loan a “high cost home,” “covered,” “high risk home” or “predatory” loan under any applicable state, federal or local law (or a similarly classified loan using different terminology under an applicable law imposing heightened regulatory scrutiny or additional legal liability for residential mortgage loans having high interest rates, points and/or fees);

 

xxxii)  Each Mortgage Loan is a “qualified mortgage” within Section 860G(a)(3) of the Code;

 

xxxiii)  With respect to each Mortgage Loan for which the Underwriting Standards require an appraisal to be performed in connection with the origination thereof, the Mortgage File contains an appraisal of the related Mortgaged Property made and signed, prior to the approval of the Mortgage Loan application, by a Qualified Appraiser;

 

xxxiv)  If the Mortgage constitutes a deed of trust, a trustee, authorized and duly qualified if required under applicable law to act as such, has been properly designated and currently so serves and is named in the Mortgage, and no fees or expenses, except as may be required by local law, are or will become payable by the Purchaser to the trustee under the deed of trust, except in connection with a trustee’s sale or attempted sale after default by the Mortgagor;

 

xxxv)  No Mortgage Loan contains “graduated payment,” “shared appreciation” or other contingent interest features; to the extent any Mortgage Loan (as identified on the Mortgage Loan Schedule) contains any buydown provision, such buydown funds have been maintained and administered in accordance with, and such Mortgage Loan otherwise complies with, Fannie Mae and Freddie Mac requirements relating to buydown loans;

 

xxxvi)  The Mortgagor has received all disclosure materials required by applicable law with respect to the making of such mortgage loans;

 

xxxvii)  No Mortgage Loan was made for the purpose of (a) the construction or rehabilitation of a Mortgaged Property or (b) facilitating the trade-in or exchange of a Mortgaged Property;

 

xxxviii)  All information supplied by, on behalf of, or concerning the Mortgagor is true, accurate and complete and does not contain any statement that is or will be inaccurate or misleading in any material respect;

 

xxxix)  The Assignment of Mortgage is in recordable form and is acceptable for recording under the laws of the jurisdiction in which the Mortgaged Property is located;

 

xl)  With respect to each Mortgage Loan that contains a Prepayment Penalty, such Prepayment Penalty is enforceable and will be enforced by Seller, and such Prepayment Penalty is permitted pursuant to federal, state and local law. No Mortgage Loan originated on or after October 1, 2002 imposes a Prepayment Penalty for a term in excess of three years, and no Mortgage Loan originated prior to October 1, 2002 imposes a Prepayment Penalty in excess of five years; Except as otherwise set forth on the Mortgage Loan Schedule, with
respect to each Mortgage Loan that contains a Prepayment Penalty, such Prepayment Penalty is at least equal to the lesser of (A) the maximum amount permitted under applicable law and (B) six months interest at the related Mortgage Interest Rate on the amount prepaid in excess of 20% of the original principal balance of such Mortgage Loan;

 

xli)  Any principal advances made to the Mortgagor prior to the Cut-off Date have been consolidated with the outstanding principal amount secured by the Mortgage, and the secured principal amount, as consolidated, bears a single interest rate and single repayment term. The lien of the Mortgage securing the consolidated principal amount is expressly insured as having first lien priority by a title insurance policy, an endorsement to the policy insuring the mortgagee’s consolidated interest or by other title evidence acceptable to Fannie Mae and Freddie Mac. The consolidated principal amount does not exceed the original principal amount of the Mortgage Loan;

 

xlii)  No Mortgagor was required to purchase any credit life, disability, accident or health insurance product as a condition of obtaining the extension of credit. No Mortgagor obtained a prepaid single premium credit life, disability, accident or health insurance policy or debt cancellation agreement as a condition of obtaining the extension of credit or in connection the with the origination of the Mortgage Loan. No proceeds from any Mortgage Loan were used to purchase single premium credit insurance policies as part of the origination of, or as a condition to closing, such Mortgage Loan;

 

xliii)  Each Mortgage Loan has been serviced in all material respects in compliance with Customary Servicing Procedures;

 

xliv)  With respect to each Co-op Loan, the related Mortgage is a valid, enforceable and subsisting first security interest on the related cooperative shares securing the related cooperative note, subject only to (a) liens of the cooperative for unpaid assessments representing the Mortgagor’s pro rata share of the cooperative’s payments for its blanket mortgage, current and future real property taxes, insurance premiums, maintenance fees and other assessments to which like collateral is commonly subject and (b) other matters to which like collateral is commonly subject which do not materially interfere with the benefits of the security intended to be provided by the Security Agreement. There are
no liens against or security interest in the cooperative shares relating to each Co-op Loan (except for unpaid maintenance, assessments and other amounts owed to the related cooperative which individually or in the aggregate will not have a material adverse effect on such Co-op Loan), which have priority over Seller’s security interest in such cooperative shares;

 

xlv)  With respect to each Co-op Loan, a search for filings of financing statements has been made by a company competent to make the same, which company is acceptable to Fannie Mae and qualified to do business in the jurisdiction where the cooperative unit is located, and such search has not found anything which would materially and adversely affect the Co-op Loan;

 

xlvi)  With respect to each Co-op Loan, the related cooperative corporation that owns title to the related cooperative apartment building is a “cooperative housing corporation” within the meaning of Section 216 of the Code, and is in material compliance with applicable federal, state and local laws which, if not complied with, could have a material adverse effect on the Mortgaged Property;

 

xlvii)  With respect to each Co-op Loan, there is no prohibition against pledging the shares of the cooperative corporation or assigning the Co-op Lease;

 

xlviii)  The Mortgage Loan was originated by a Mortgagee approved by the Secretary of HUD pursuant to sections 203 and 211 of the National Housing Act, a savings and loan association, a savings bank, a commercial bank, credit union, insurance company or similar institution which is supervised and examined by a federal or state authority;

 

xlix)  With respect to any ground lease to which a Mortgaged Property may be subject: (i) a true, correct and complete copy of the ground lease and all amendments, modifications and supplements thereto is included in the Mortgage File, and the Mortgagor is the owner of a valid and subsisting leasehold interest under such ground lease; (ii) such ground lease is in full force and effect, unmodified and not supplemented by any writing or otherwise except as contained in the Mortgage File; (iii) all rent, additional rent and other charges reserved therein have been fully paid to the extent payable as of the Closing Date; (iv) the Mortgagor enjoys the quiet and peaceful possession of the leasehold estate,
subject to any sublease; (v) the Mortgagor is not in default under any of the terms of such ground lease, and there are no circumstances which, with the passage of time or the giving of notice, or both, would result in a default under such ground lease; (vi) the lessor under such ground lease is not in default under any of the terms or provisions of such ground lease on the part of the lessor to be observed or performed; (vii) the lessor under such ground lease has satisfied any repair or construction obligations due as of the Closing Date pursuant to the terms of such ground lease; (viii) the execution, delivery and performance of the Mortgage do not require the consent (other than those consents which have been obtained and are in full force and effect) under, and will not contravene any provision of or cause a default under, such ground lease; (ix) the ground lease term exceeds, or is automatically renewable, for at least five years beyond the maturity date of the related Mortgage Loan; and (x) the
Purchaser has the right to cure defaults on the ground lease;

 

l)  With respect to any broker fees collected and paid on any of the Mortgage Loans, all broker fees have been properly assessed to the borrower and no claims will arise as to broker fees that are double charged and for which the borrower would be entitled to reimbursement;

 

li)  With respect to any Mortgage Loan as to which an affidavit has been delivered to the Purchaser certifying that the original Mortgage Note has been lost or destroyed and not been replaced, if such Mortgage Loan is subsequently in default, the enforcement of such Mortgage Loan will not be materially adversely affected by the absence of the original Mortgage Note;

 

lii)  There is no pending action or proceeding directly involving the Mortgaged Property in which compliance with any environmental law, rule or regulation is an issue. There is no violation of any environmental law, rule or regulation with respect to the Mortgaged Property; and Seller has not received any notice of any environmental hazard on the Mortgaged Property and nothing further remains to be done to satisfy in full all requirements of each such law, rule or regulation constituting a prerequisite to use and enjoyment of said property;

 

liii)  With respect to any Mortgage Loan which is a Texas Home Equity Loan, any and all requirements of Section 50, Article XVI of the Texas Constitution applicable to Texas Home Equity Loans which were in effect at the time of the origination of the Mortgage Loan have been complied with;

 

liv)  No Mortgage Loan is secured by real property or secured by a manufactured home located in the state of Georgia unless (x) such Mortgage Loan was originated prior to October 1, 2002 or after March 6, 2003, or (y) the property securing the Mortgage Loan is not, nor will be, occupied by the Mortgagor as the Mortgagor’s principal dwelling. No Mortgage Loan is a “High Cost Home Loan” as defined in the Georgia Fair Lending Act, as amended (the “Georgia Act”). Each Mortgage Loan that is a “Home Loan” under the Georgia Act complies with all applicable provisions of the Georgia Act. No Mortgage Loan secured by owner occupied real property or an owner occupied manufactured
home located in the State of Georgia was originated (or modified) on or after October 1, 2002 through and including March 6, 2003; 

 

lv)  No Mortgage Loan is a “High Cost Loan” or “Covered Loan”, as applicable, as such terms are defined in Appendix E of the then-current Standard & Poor’s Levelsâ Glossary; 

 

lvi)  No Mortgage Loan is a Convertible Mortgage Loan; 

 

lvii)  For each Mortgage Loan, the servicer has fully furnished, in accordance with the Fair Credit Reporting Act and its implementing regulations, accurate and complete information (i.e. favorable and unfavorable) on its borrowers’ credit files to Equifax, Experian and Trans Union Credit Information Company (three of the credit repositories) on a monthly basis; 

 

lviii)  With respect to each MOM Loan, a MIN has been assigned by MERS and such MIN is accurately provided on the Mortgage Loan Schedule. The related Assignment of Mortgage to MERS has been duly and properly recorded, or has been delivered for recording to the applicable recording office;

 

lix)  With respect to each MOM Loan, Seller has not received any notice of liens or legal actions with respect to such Mortgage Loan and no such notices have been electronically posted by MERS;

 

lx)  No Mortgage or Mortgage Note in connection with any Mortgage Loan originated on or after August 1, 2004 requires the Mortgagor to submit to arbitration to resolve any dispute arising out of or relating in any ay to the Mortgage Loan; and

 

lxi)  [reserved]

 

lxii)  Each Mortgage Loan is in compliance with the anti-predatory lending eligibility for purchase requirements of Fannie Mae and Freddie Mac; and

 

lxiii)   With respect to each Buydown Mortgage Loan:

 

	a.  	
On or before the date of origination of such Mortgage Loan, the Seller and the Mortgagor, or the Seller, the Mortgagor and the seller of the Mortgaged Property or a third party entered into a Buydown Agreement. The Buydown Agreement provides that the seller of the Mortgaged Property (or third party) shall deliver to the Seller temporary Buydown Funds in an amount equal to the aggregate undiscounted amount of payments that, when added to the amount the Mortgagor on such Mortgage Loan is obligated to pay on each Due Date in accordance with the terms of the Buydown Agreement, is equal to the full scheduled Monthly Payment due on such Mortgage Loan. The Buydown Period shall not exceed thirty-six months and increases shall take place in 12 month intervals. The total annual increase may not exceed 1%

 

	b.  	
The Mortgage and Mortgage Note reflect the permanent payment terms rather than the payment terms of the Buydown Agreement. The Buydown Agreement provides for the payment by the Mortgagor of the full amount of the Monthly Payment on any Due Date that the Buydown Funds are not available. The Buydown Funds were not used to reduce the original principal balance of the Mortgage Loan or to increase the Appraised Value of the Mortgaged Property when calculating the Loan-to-Value Ratios for purposes of this Agreement and, if the Buydown Funds were provided by the Seller and if required under the Underwriting Standards, the terms of the Buydown Agreement were disclosed to the appraiser of the Mortgaged Property; and

 

	c.  	
As of the date of origination of the Mortgage Loan, the provisions of the related Buydown Agreement complied with the requirements of the Seller as set forth in the Underwriting Standards regarding buydown agreements.

 

EXHIBIT D

Representation and Warranties with Respect to the MortgageIT Mortgage Loans 

Except for “Mortgage Loans”, which shall mean the MortgageIT Mortgage Loans sold by the Seller to the Purchaser, all capitalized terms in this Exhibit D shall have the meanings ascribed to them in the MortgageIT Servicing Agreement.

(1)  The information set forth in the related Mortgage Loan Schedule is complete, true and correct;

 

(2)  The Mortgage Loan is in compliance with all requirements set forth in the related Confirmation, and the characteristics of the related Mortgage Loan Package as set forth in the related Confirmation are true and correct;

 

(3)   All payments required to be made up to the close of business on the Closing Date for such Mortgage Loan under the terms of the Mortgage Note have been made. The Seller has not advanced funds, or induced, solicited or knowingly received any advance of funds from a party other than the owner of the related Mortgaged Property, directly or indirectly, for the payment of any amount required by the Mortgage Note or Mortgage; and there has been no delinquency, exclusive of any period of grace, in any payment by the Mortgagor thereunder since the origination of the Mortgage Loan;

 

(4)   There are no delinquent taxes, ground rents, water charges, sewer rents, assessments, insurance premiums, leasehold payments, including assessments payable in future installments or other outstanding charges affecting the related Mortgaged Property;

 

(5)   The terms of the Mortgage Note and the Mortgage have not been impaired, waived, altered or modified in any respect, except by written instruments, recorded in the applicable public recording office or registered with the MERS System if necessary to maintain the lien priority of the Mortgage, and which have been delivered to the Purchaser or its designee; the substance of any such waiver, alteration or modification has been approved by the insurer under the Primary Insurance Policy, if applicable, and the title insurer, to the extent required by the related policy, and is reflected on the related Mortgage Loan Schedule. No instrument of waiver, alteration or modification has been
executed, and no Mortgagor has been released, in whole or in part, except in connection with an assumption agreement approved by the insurer under the Primary Insurance Policy, if applicable, and the title insurer, to the extent required by the policy, and which assumption agreement has been delivered to the Purchaser or its designee and the terms of which are reflected in the related Mortgage Loan Schedule;

 

(6)   The Mortgage Note and the Mortgage are not subject to any right of rescission, set-off, counterclaim or defense, including the defense of usury, nor will the operation of any of the terms of the Mortgage Note and the Mortgage, or the exercise of any right thereunder, render the Mortgage unenforceable, in whole or in part, or subject to any right of rescission, set-off, counterclaim or defense, including the defense of usury and no such right of rescission, set-off, counterclaim or defense has been asserted with respect thereto. Each Prepayment Charge or penalty with respect to any Mortgage Loan is permissible, enforceable and collectible under applicable federal, state and local
law;

 

(7)  All buildings upon the Mortgaged Property are insured by an insurer acceptable to FNMA and FHLMC against loss by fire, hazards of extended coverage and such other hazards as are customary in the area where the Mortgaged Property is located, pursuant to insurance policies conforming to the requirements of FNMA and FHLMC. All such insurance policies contain a standard mortgagee clause naming the Seller, its successors and assigns as mortgagee and all premiums thereon have been paid. If the Mortgaged Property is in an area identified on a Flood Hazard Map or Flood Insurance Rate Map issued by the Federal Emergency Management Agency as having special flood hazards (and such flood
insurance has been made available) a flood insurance policy meeting the requirements of the current guidelines of the Federal Insurance Administration is in effect which policy conforms to the requirements of FNMA and FHLMC. The Mortgage obligates the Mortgagor thereunder to maintain all such insurance at the Mortgagor’s cost and expense, and on the Mortgagor’s failure to do so, authorizes the holder of the Mortgage to maintain such insurance at Mortgagor’s cost and expense and to seek reimbursement therefor from the Mortgagor;

 

(8)  Any and all requirements of any federal, state or local law including, without limitation, usury, truth in lending, real estate settlement procedures, predatory and abusive lending, consumer credit protection, equal credit opportunity, fair housing or disclosure laws applicable to the origination and servicing of mortgage loans of a type similar to the Mortgage Loans have been complied with;

 

(9)   The Mortgage has not been satisfied, cancelled, subordinated or rescinded, in whole or in part, and the Mortgaged Property has not been released from the lien of the Mortgage, in whole or in part, nor has any instrument been executed that would effect any such satisfaction, cancellation, subordination, rescission or release;

 

(10)  The Mortgage is a valid, existing and enforceable first or second (as indicated on the Mortgage Loan Schedule) lien on the Mortgaged Property, including all improvements on the Mortgaged Property subject only to (a) the lien of current real property taxes and assessments not yet due and payable, (b) covenants, conditions and restrictions, rights of way, easements and other matters of the public record as of the date of recording being acceptable to mortgage lending institutions generally and specifically referred to in the lender’s title insurance policy delivered to the originator of the Mortgage Loan and which do not adversely affect the Appraised Value of the Mortgaged
Property, (c) to the extent the Mortgage Loan is a second lien Mortgage Loan, the related first lien on the Mortgaged Property; and (d) other matters to which like properties are commonly subject which do not materially interfere with the benefits of the security intended to be provided by the Mortgage or the use, enjoyment, value or marketability of the related Mortgaged Property. Any security agreement, chattel mortgage or equivalent document related to and delivered in connection with the Mortgage Loan establishes and creates a valid, existing and enforceable first or second (as indicated on the Mortgage Loan Schedule) lien and first or second (as indicated on the Mortgage Loan Schedule) priority security interest on the property described therein and the Seller has full right to sell and assign the same to the Purchaser. The Mortgaged Property was not, as of the date of origination of the Mortgage Loan, subject to a mortgage, deed of trust, deed to secure debt or other security instrument creating
a lien subordinate to the lien of the Mortgage;

 

(11)  The Mortgage Note and the related Mortgage are genuine and each is the legal, valid and binding obligation of the maker thereof, enforceable in accordance with its terms except as such enforcement may be limited by bankruptcy;

 

(12)  All parties to the Mortgage Note and the Mortgage had legal capacity to enter into the Mortgage Loan and to execute and deliver the Mortgage Note and the Mortgage, and the Mortgage Note and the Mortgage have been duly and properly executed by such parties. The Mortgagor is a natural person;

 

(13)  The proceeds of the Mortgage Loan have been fully disbursed to or for the account of the Mortgagor and there is no obligation for the Mortgagee to advance additional funds thereunder and any and all requirements as to completion of any on-site or off-site improvement and as to disbursements of any escrow funds therefor have been complied with. All costs, fees and expenses incurred in making or closing the Mortgage Loan and the recording of the Mortgage have been paid, and the Mortgagor is not entitled to any refund of any amounts paid or due to the Mortgagee pursuant to the Mortgage Note or Mortgage;

 

(14)  The Seller is the sole legal, beneficial and equitable owner of the Mortgage Note and the Mortgage and has full right to transfer and sell the Mortgage Loan to the Purchaser free and clear of any encumbrance, equity, lien, pledge, charge, claim or security interest;

 

(15)  All parties which have had any interest in the Mortgage Loan, whether as mortgagee, assignee, pledgee or otherwise, are (or, during the period in which they held and disposed of such interest, were) in material compliance with any and all applicable “doing business” and licensing requirements of the laws of the state wherein the Mortgaged Property is located (or were otherwise exempt from such requirements under applicable law);

 

(16)  The Mortgage Loan is covered by an American Land Title Association (“ALTA”) lender’s title insurance policy (which, in the case of an Adjustable Rate Mortgage Loan has an adjustable rate mortgage endorsement in the form of ALTA 6.0 or 6.1) acceptable to FNMA and FHLMC, issued by a title insurer acceptable to FNMA and FHLMC and qualified to do business in the jurisdiction where the Mortgaged Property is located, insuring (subject to the exceptions contained in (x)(a) and (b) above) the Seller, its successors and assigns as to the first or second (as indicated on the Mortgage Loan Schedule) priority lien of the Mortgage in the original principal amount of the Mortgage
Loan and, with respect to any Adjustable Rate Mortgage Loan, against any loss by reason of the invalidity or unenforceability of the lien resulting from the provisions of the Mortgage providing for adjustment in the Mortgage Interest Rate and Monthly Payment. Additionally, such lender’s title insurance policy affirmatively insures ingress and egress to and from the Mortgaged Property, and against encroachments by or upon the Mortgaged Property or any interest therein. The Seller is the sole insured of such lender’s title insurance policy, and such lender’s title insurance policy is in full force and effect and will be in full force and effect upon the consummation of the transactions contemplated by this Agreement. No claims have been made under such lender’s title insurance policy, and no prior holder of the related Mortgage, including the Seller, has done, by act or omission, anything which would impair the coverage of such lender’s title insurance policy;

 

(17)  There is no default, breach, violation or event of acceleration existing under the Mortgage or the Mortgage Note and no event which, with the passage of time or with notice and the expiration of any grace or cure period, would constitute a default, breach, violation or event of acceleration, and the Seller has not waived any default, breach, violation or event of acceleration. With respect to each second lien mortgage loan (i) the first lien mortgage loan is in full force and effect, (ii) to the best of Seller’s knowledge, there is no default, breach, violation or event of acceleration existing under such first lien mortgage or the related mortgage note, (iii) no event which,
with the passage of time or with notice and the expiration of any grace or cure period, would constitute a default, breach, violation or event of acceleration thereunder, and either (A) the first lien mortgage contains a provision which allows or (B) applicable law requires, the mortgagee under the second lien Mortgage Loan to receive notice of, and affords such mortgagee an opportunity to cure any default by payment in full or otherwise under the first lien mortgage;

 

(18)  There are no mechanics’ or similar liens or claims which have been filed for work, labor or material (and no rights are outstanding that under law could give rise to such lien) affecting the related Mortgaged Property which are or may be liens prior to, or equal or coordinate with, the lien of the related Mortgage;

 

(19)  All improvements which were considered in determining the Appraised Value of the related Mortgaged Property lay wholly within the boundaries and building restriction lines of the Mortgaged Property, and no improvements on adjoining properties encroach upon the Mortgaged Property;

 

(20)  As of the origination of the Mortgage Loan, no improvement located on the Mortgaged Property was in violation of any applicable zoning or subdivision laws or ordinances;

 

(21)  The Mortgage Loan was originated by the Seller or by a savings and loan association, a savings bank, a commercial bank, credit union, insurance company or similar banking institution which is supervised and examined by a federal or state authority, or by a mortgagee approved as such by the Secretary of HUD pursuant to Section 203 and 211 of the National Housing Act;

 

(22)  Principal payments on the Mortgage Loan commenced no more than sixty days after the proceeds of the Mortgage Loan were disbursed. The Mortgage Loan bears interest at the Mortgage Interest Rate. With respect to each Mortgage Loan, the Mortgage Note is payable on the first day of each month in Monthly Payments, which, other than with respect to a Balloon Mortgage Loan, in the case of a Fixed Rate Mortgage Loans, are sufficient to fully amortize the original principal balance over the original term thereof and to pay interest at the related Mortgage Interest Rate, and, in the case of an Adjustable Rate Mortgage Loan, are changed on each Adjustment Date, and in any case, are sufficient
to fully amortize the original principal balance over the original term thereof and to pay interest at the related Mortgage Interest Rate. The Index for each Adjustable Rate Mortgage Loan is as defined in the related Confirmation. With respect to each Balloon Mortgage Loan, the Mortgage Note requires a monthly payment which is sufficient to fully amortize the original principal balance over the original term thereof and to pay interest at the related Mortgage Interest Rate and requires a final Monthly Payment substantially greater than the preceding monthly payment which is sufficient to repay the remained unpaid principal balance of the Balloon Mortgage Loan as of the Due Date of such monthly payment. The Mortgage Note does not permit negative amortization. No Mortgage Loan is a Convertible Mortgage Loan;

 

(23)  The origination and collection practices used by the Seller with respect to each Mortgage Note and Mortgage have been in all respects legal, proper, prudent and customary in the mortgage origination and servicing industry. The Mortgage Loan has been serviced by the Seller and any predecessor servicer in accordance with the terms of the Mortgage Note. With respect to escrow deposits and Escrow Payments, if any, all such payments are in the possession of, or under the control of, the Seller and there exist no deficiencies in connection therewith for which customary arrangements for repayment thereof have not been made. No escrow deposits or Escrow Payments or other charges or payments
due the Seller have been capitalized under any Mortgage or the related Mortgage Note and no such escrow deposits or Escrow Payments are being held by the Seller for any work on a Mortgaged Property which has not been completed;

 

(24)  The Mortgaged Property is in good repair and is free of material damage and waste and there is no proceeding pending for the total or partial condemnation thereof;

 

(25)  The Mortgage and related Mortgage Note contain customary and enforceable provisions such as to render the rights and remedies of the holder thereof adequate for the realization against the Mortgaged Property of the benefits of the security provided thereby, including, (a) in the case of a Mortgage designated as a deed of trust, by trustee’s sale, and (b) otherwise by judicial foreclosure. The Mortgaged Property has not been subject to any bankruptcy proceeding or foreclosure proceeding and the Mortgagor has not filed for protection under applicable bankruptcy laws. There is no homestead or other exemption available to the Mortgagor which would interfere with the right to sell
the Mortgaged Property at a trustee’s sale or the right to foreclose the Mortgage. The Mortgagor has not notified the Seller and the Seller has no knowledge of any relief requested or allowed to the Mortgagor under the Servicemembers’ Civil Relief Act;

 

(26)  The Mortgage Loan was underwritten in accordance with the underwriting standards of the Seller in effect at the time the Mortgage Loan was originated, which underwriting standards satisfy the standards of FNMA and FHLMC; and the Mortgage Note and Mortgage are on forms acceptable to FNMA and FHLMC; 

 

(27)  The Mortgage Note is not and has not been secured by any collateral except the lien of the corresponding Mortgage on the Mortgaged Property and the security interest of any applicable security agreement or chattel mortgage referred to in (x) above;

 

(28)  The Mortgage File contains an appraisal of the related Mortgaged Property which satisfied the standards of FNMA and FHLMC, was on appraisal form 1004 or form 2055 with an interior inspection, and was made and signed, prior to the approval of the Mortgage Loan application, by a qualified appraiser, duly appointed by the Seller, who had no interest, direct or indirect in the Mortgaged Property or in any loan made on the security thereof, whose compensation is not affected by the approval or disapproval of the Mortgage Loan and who met the minimum qualifications of FNMA and FHLMC. Each appraisal of the Mortgage Loan was made in accordance with the relevant provisions of the Financial
Institutions Reform, Recovery, and Enforcement Act of 1989;

 

(29)  In the event the Mortgage constitutes a deed of trust, a trustee, duly qualified under applicable law to serve as such, has been properly designated and currently so serves and is named in the Mortgage, and no fees or expenses are or will become payable by the Purchaser to the trustee under the deed of trust, except in connection with a trustee’s sale after default by the Mortgagor;

 

(30)  No Mortgage Loan contains provisions pursuant to which Monthly Payments are (a) paid or partially paid with funds deposited in any separate account established by the Seller, the Mortgagor, or anyone on behalf of the Mortgagor, (b) paid by any source other than the Mortgagor or (c) contains any other similar provisions which may constitute a “buydown” provision. The Mortgage Loan is not a graduated payment mortgage loan and the Mortgage Loan does not have a shared appreciation or other contingent interest feature;

 

(31)  The Mortgagor has executed a statement to the effect that the Mortgagor has received all disclosure materials required by applicable law with respect to the making of fixed rate mortgage loans in the case of Fixed Rate Mortgage Loans, and adjustable rate mortgage loans in the case of Adjustable Rate Mortgage Loans and rescission materials with respect to Refinanced Mortgage Loans, and such statement is and will remain in the Mortgage File;

 

(32)  No Mortgage Loan was made in connection with (a) the construction or rehabilitation of a Mortgaged Property or (b) facilitating the trade-in or exchange of a Mortgaged Property;

 

(33)  The Seller has no knowledge of any circumstances or condition with respect to the Mortgage, the Mortgaged Property, the Mortgagor or the Mortgagor’s credit standing that can reasonably be expected to cause the Mortgage Loan to be an unacceptable investment, cause the Mortgage Loan to become delinquent, or adversely affect the value of the Mortgage Loan;

 

(34)  No Mortgage Loan had an LTV or a CLTV at origination in excess of 100%. Each Prime/Alt-A Mortgage Loan with an LTV or CLTV at origination in excess of 80% is and will be subject to a Primary Insurance Policy, issued by a Qualified Insurer, which insures that portion of the Mortgage Loan in excess of the portion of the Appraised Value of the Mortgaged Property required by FNMA. All provisions of such Primary Insurance Policy have been and are being complied with, such policy is in full force and effect, and all premiums due thereunder have been paid. Any Mortgage subject to any such Primary Insurance Policy obligates the Mortgagor thereunder to maintain such insurance and to pay all
premiums and charges in connection therewith. The Mortgage Interest Rate for the Prime/Alt-A Mortgage Loan does not include any such insurance premium;

 

(35)  The Mortgaged Property is, to the best of the Seller’s knowledge, lawfully occupied under applicable law; all inspections, licenses and certificates required to be made or issued with respect to all occupied portions of the Mortgaged Property and, with respect to the use and occupancy of the same, including but not limited to certificates of occupancy, have been made or obtained from the appropriate authorities;

 

(36)  No error, omission, misrepresentation, negligence, fraud or similar occurrence with respect to a Mortgage Loan has taken place on the part of the Mortgagor, the Seller, or to the best of Seller’s knowledge, any appraiser, any builder or developer, or any other party involved in the origination of the Mortgage Loan or in the application of any insurance in relation to such Mortgage Loan;

 

(37)  For each Mortgage Loan that is not a MOM Loan, the Assignment of Mortgage is in recordable form except for the name of the assignee that is blank and is acceptable for recording under the laws of the jurisdiction in which the Mortgaged Property is located. The original Mortgage was or is being recorded and, unless the Mortgage Loan is subject to the MERS System, all subsequent assignments of the original Mortgage (other than the assignment to Purchaser) have been recorded in the appropriate jurisdiction wherein such recordation is necessary to perfect the lien thereof against creditors of Seller, or is in the process of being recorded.

 

(38)  Any principal advances made to the Mortgagor prior to the Cut-off Date have been consolidated with the outstanding principal amount secured by the Mortgage, and the secured principal amount, as consolidated, bears a single interest rate and single repayment term. The lien of the Mortgage securing the consolidated principal amount is expressly insured as having first or second lien priority by a title insurance policy or an endorsement to the policy insuring the mortgagee’s consolidated interest. The consolidated principal amount does not exceed the original principal amount of the Mortgage Loan;

 

(39)  Unless otherwise set forth on the related Mortgage Loan Schedule, no Mortgage Loan has a balloon payment feature;

 

(40)   If the Residential Dwelling on the Mortgaged Property is a condominium unit or a unit in a planned unit development (other than a de minimis planned unit development) such condominium or planned unit development project meets the eligibility requirements of FNMA and FHLMC;

 

(41)  The source of the down payment with respect to each Mortgage Loan has been fully verified by the Seller;

 

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

 

(43)  The Mortgaged Property is in material compliance with all applicable environmental laws pertaining to environmental hazards including, without limitation, asbestos, and neither the Seller nor, to the Seller’s knowledge, the related Mortgagor, has received any notice of any violation or potential violation of such law;

 

(44)  Seller shall, at its own expense, cause each Mortgage Loan to be covered by a Tax Service Contract which is assignable to the Purchaser or its designee; provided however, that if the Seller fails to purchase such Tax Service Contract, the Seller shall be required to reimburse the Purchaser for all costs and expenses incurred by the Purchaser in connection with the purchase of any such Tax Service Contract;

 

(45)  Each Mortgage Loan is covered by a Flood Zone Service Contract which is assignable to the Purchaser or its designee or, for each Mortgage Loan not covered by such Flood Zone Service Contract, the Seller agrees to purchase such Flood Zone Service Contract;

 

(46)  No Mortgage Loan is (a) subject to the provisions of the Homeownership and Equity Protection Act of 1994 as amended (“HOEPA”), (b) a “high cost” mortgage loan, “covered” mortgage loan, “high risk home” mortgage loan or “predatory” mortgage loan or any other comparable term, no matter how defined under any federal, state or local law, (c) subject to any comparable federal, state or local statutes or regulations, or any other statute or regulation providing for heightened regulatory scrutiny or assignee liability to holders of such mortgage loans, or (d) a High Cost Loan or Covered Loan, as applicable (as such terms are defined in the
current Standard & Poor’s LEVELS® Glossary Revised, Appendix E);

 

(47)  No predatory or deceptive lending practices, including but not limited to, the extension of credit to a mortgagor without regard for the mortgagor’s ability to repay the Mortgage Loan and the extension of credit to a mortgagor which has no apparent benefit to the mortgagor, were employed in connection with the origination of the Mortgage Loan. Each Mortgage Loan is in compliance with the anti-predatory lending eligibility for purchase requirements of the FNMA Guides;

 

(48)  Not more than one percent (1%) of the Mortgage Loans purchased on the related Closing Date, measured by the aggregate Stated Principal Balance of such Mortgage Loans as of the related Cut-off Date, include a Mortgage Note for which a lost note affidavit with indemnification has been delivered; 

 

(49)  No Mortgagor was required to purchase any single premium credit insurance policy (e.g., life, disability, accident, unemployment, or health insurance product) or debt cancellation agreement as a condition of obtaining the extension of credit. No Mortgagor obtained a prepaid single premium credit insurance policy (e.g., life, disability, accident, unemployment, mortgage, or health insurance) in connection with the origination of the Mortgage Loan. No proceeds from any Mortgage Loan were used to purchase single premium credit insurance policies or debt cancellation agreements as part of the origination of, or as a condition to closing, such Mortgage Loan;

 

(50)  The Mortgage Loans were not selected from the outstanding one to four-family mortgage loans in the Seller’s portfolio at the related Closing Date as to which the representations and warranties set forth in this Agreement could be made in a manner so as to affect adversely the interests of the Purchaser;

 

(51)   The Mortgage contains an enforceable provision for the acceleration of the payment of the unpaid principal balance of the Mortgage Loan in the event that the Mortgaged Property is sold or transferred without the prior written consent of the mortgagee thereunder;

 

(52)   The Mortgage Loan complies with all applicable consumer credit statutes and regulations, including, without limitation, the respective Uniform Consumer Credit Code laws in effect in Colorado, Idaho, Indiana, Iowa, Kansas, Maine, Oklahoma, South Carolina, Utah and Wyoming (to the extent that the related Mortgaged Property is located in such state), has been originated by a properly licensed entity, and in all other respects, complies with all of the material requirements of any such applicable laws;

 

(53)  The information set forth in the Prepayment Charge Schedule is complete, true and correct in all material respects and each Prepayment Charge is permissible, enforceable and collectable under applicable federal and state law;

 

(54)  The Mortgage Loan was not prepaid in full prior to the Closing Date and the Seller has not received notification from a Mortgagor that a prepayment in full shall be made after the Closing Date; 

 

(55)  No Mortgage Loan is secured by cooperative housing, commercial property, mobile homes, manufactured housing or mixed use property;

 

(56)  Except as set forth on the related Mortgage Loan Schedule, none of the Mortgage Loans are subject to a Prepayment Charge. For any Mortgage Loan originated prior to October 1, 2002 that is subject to a Prepayment Charge, such Prepayment Charge does not extend beyond five years after the date of origination. For any Mortgage Loan originated on or following October 1, 2002 that is subject to a Prepayment Charge, such Prepayment Charge does not extend beyond three years after the date of origination. With respect to any Mortgage Loan that contains a provision permitting imposition of a Prepayment Charge upon a prepayment prior to maturity: (i) prior to the Mortgage Loan’s
origination, the Mortgagor agreed to such Prepayment Charge in exchange for a monetary benefit, including but not limited to a rate or fee reduction, (ii) prior to the Mortgage Loan’s origination, the Mortgagor was offered the option of obtaining a Mortgage Loan that did not require payment of such a Prepayment Charge, (iii) the Prepayment Charge is disclosed to the Mortgagor in the loan documents pursuant to applicable state and federal law, (iv) for Mortgage Loans originated on or after September 1, 2004, the duration of the prepayment period shall not exceed three (3) years from the date of the Mortgage Note, unless the Mortgage Loan was modified to reduce the prepayment period to no more than three years from the date of the Mortgage Note and the Mortgagor was notified in writing of such reduction in prepayment period, and (v) notwithstanding any state or federal law to the contrary, the Seller shall not impose such Prepayment Charge in any instance when the mortgage debt is accelerated as
the result of the Mortgagor’s default in making the loan payments;

 

(57)  The Seller has complied with all applicable anti-money laundering laws and regulations, including without limitation the USA Patriot Act of 2001 (collectively, the “Anti-Money Laundering Laws”); the Seller has established an anti-money laundering compliance program as required by the Anti-Money Laundering Laws, has conducted the requisite due diligence in connection with the origination of each Mortgage Loan for purposes of the Anti-Money Laundering Laws, including with respect to the legitimacy of the applicable Mortgagor and the origin of the assets used by the said Mortgagor to purchase the property in question, and maintains, and will maintain, sufficient information
to identify the applicable Mortgagor for purposes of the Anti-Money Laundering Laws. No Mortgage Loan is subject to nullification pursuant to Executive Order 13224 (the “Executive Order”) or the regulations promulgated by the Office of Foreign Assets Control of the United States Department of the Treasury (the “OFAC Regulations”) or in violation of the Executive Order or the OFAC Regulations, and no Mortgagor is subject to the provisions of such Executive Order or the OFAC Regulations nor listed as a “blocked person” for purposes of the OFAC Regulations;

 

(58)  No Mortgage Loan is secured by real property or secured by a manufactured home located in the state of Georgia unless (x) such Mortgage Loan was originated prior to October 1, 2002 or after March 6, 2003, or (y) the property securing the Mortgage Loan is not, nor will be, occupied by the Mortgagor as the Mortgagor’s principal dwelling. No Mortgage Loan is a “High Cost Home Loan” as defined in the Georgia Fair Lending Act, as amended (the “Georgia Act”) or the New York Banking Law 6-1. Each Mortgage Loan that is a “Home Loan” under the Georgia Act complies with all applicable provisions of the Georgia Act. No Mortgage Loan secured by owner occupied
real property or an owner occupied manufactured home located in the State of Georgia was originated (or modified) on or after October 1, 2002 through and including March 6, 2003;

 

(59)  No Mortgagor was encouraged or required to select a Mortgage Loan product offered by the Mortgage Loan’s originator which is a higher cost product designed for less creditworthy borrowers, unless at the time of the Mortgage Loan’s origination, such Mortgagor did not qualify taking into account credit history and debt to income ratios for a lower cost credit product then offered by the Mortgage Loan’s originator or any affiliate of the Mortgage Loan’s originator. If, at the time of loan application, the Mortgagor may have qualified for a for a lower cost credit product then offered by any mortgage lending affiliate of the Mortgage Loan’s originator, the
Mortgage Loan’s originator referred the Mortgagor’s application to such affiliate for underwriting consideration;

 

(60)  The methodology used in underwriting the extension of credit for each Mortgage Loan employs objective mathematical principles which relate the Mortgagor’s income, assets and liabilities to the proposed payment and such underwriting methodology does not rely on the extent of the Mortgagor’s equity in the collateral as the principal determining factor in approving such credit extension. Such underwriting methodology confirmed that at the time of origination (application/approval) the Mortgagor had a reasonable ability to make timely payments on the Mortgage Loan;

 

(61)  With respect to each Mortgage Loan, the Seller has fully and accurately furnished complete information on the related borrower credit files to Equifax, Experian and Trans Union Credit Information Company, in accordance with the Fair Credit Reporting Act and its implementing regulations, on a monthly basis and the Seller for each Loan will furnish, in accordance with the Fair Credit Reporting Act and its implementing regulations, accurate and complete information on its borrower credit files to Equifax, Experian, and Trans Union Credit Information Company, on a monthly basis;

 

(62)  All points and fees related to each Mortgage Loan were disclosed in writing to the related Borrower in accordance with applicable state and federal law and regulation. Except in the case of a Mortgage Loan in an original principal amount of less than $60,000 which would have resulted in an unprofitable origination, no related Borrower was charged “points and fees” (whether or not financed) in an amount greater than 5% of the principal amount of such loan, such 5% limitation is calculated in accordance with Fannie Mae’s anti-predatory lending requirements as set forth in the Fannie Mae Selling Guide;

 

(63)  All fees and charges (including finance charges) and whether or not financed, assessed, collected or to be collected in connection with the origination and servicing of each Mortgage Loan has been disclosed in writing to the Mortgagor in accordance with applicable state and federal law and regulation;

 

(64)  The Seller will transmit full-file credit reporting data for each Mortgage Loan pursuant to Fannie Mae Guide Announcement 95-19 and for each Mortgage Loan, Seller agrees it shall report one of the following statuses each month as follows: new origination, current, delinquent (30-, 60-, 90-days, etc.), foreclosed, or charged-off;

 

(65)  No Mortgage Loan is a “High Cost Home Loan” as defined in the Arkansas Home Loan Protection Act effective October 16, 2003 (Act 1340 or 2003);

 

(66)  No Mortgage Loan is a “High Cost Home Loan” as defined in the Kentucky high-cost loan statute effective June 24, 2003 (Ky. Rev. Stat. Section 360.100); 

 

(67)  No Mortgage Loan secured by property located in the State of Nevada is a “home loan” as defined in the Nevada Assembly Bill No. 284;

 

(68)  No Mortgage Loan is a “manufactured housing loan” or “home improvement home loan” pursuant to the New Jersey Home Ownership Act. No Mortgage Loan is a “High-Cost Home Loan” or a refinanced “Covered Home Loan,” in each case, as defined in the New Jersey Home Ownership Act effective November 27, 2003 (N.J.S.A. 46;10B-22 et seq.);

 

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

 

(70)  No Mortgage Loan is a subsection 10 mortgage under the Oklahoma Home Ownership and Equity protection Act;

 

(71)  No Mortgage Loan is a “High-Cost Home Loan” as defined in the New Mexico Home Loan Protection Act effective January 1, 2004 (N.M. Stat. Ann. §§ 58-21A-1 et seq.); 

 

(72)  No Mortgage Loan is a “High-Risk Home Loan” as defined in the Illinois High-Risk Home Loan Act effective January 1, 2004 (815 Ill. Comp. Stat. 137/1 et seq.);

 

(73)  No Mortgage Loan originated in the City of Los Angeles is subject to the City of Los Angeles California Ordinance 175008 as a “home loan”; 

 

(74)  No Mortgage Loan originated in the City of Oakland is subject to the City of Oakland, California Ordinance 12361 as a “home loan”;

 

(75)  No Mortgage Loan is a “High-Cost Home Loan” as defined under the Maine House Bill 383 L.D. 494, effective as of September 13, 2003;

 

(76)  No Mortgage Loan is a “High-Cost Home Mortgage Loan” as defined in the Massachusetts Predatory Home Loan Practices Act, effective November 7, 2004 (Mass. Ann. Laws Ch. 183C);

 

(77)  With respect to any Mortgage Loan for which a mortgage loan application was submitted by the Mortgagor after April 1, 2004, no such Mortgage Loan secured by Mortgaged Property in the State of Illinois which has a Mortgage Interest Rate in excess of 8.0% per annum has lender-imposed fees (or other charges) in excess of 3.0% of the original principal balance of the Mortgage Loan; 

 

(78)  With respect to each MOM Loan, a MIN has been assigned by MERS and such MIN is accurately provided on the Mortgage Loan Schedule. The related Assignment of Mortgage to MERS has been duly and properly recorded, or has been delivered for recording to the applicable recording office; 

 

(79)  With respect to each MERS Mortgage Loan, Seller has not received any notice of liens or legal actions with respect to such Mortgage Loan and no such notices have been electronically posted by MERS;

 

(80)  No Mortgagor agreed to submit to arbitration to resolve any dispute arising out of or relating in any way to the Mortgage Loan transaction, and with respect to any Mortgage Loan originated on or after August 1, 2004, neither the Mortgage nor the Mortgage Note requires the Mortgagor to submit to arbitration to resolve any dispute arising out of or relating in any way to the origination of the Mortgage Loan;

 

(81)  No Loan is a “High Cost Home Loan” governed by the Indiana Home Loan Practices Act, Ind. Code Ann. §§ 24-9-1-1 et seq.;

 

(82)  With respect to each Mortgage Loan, (i) if the related first lien provides for negative amortization, the CLTV was calculated at the maximum principal balance of such first lien that could result upon application of such negative amortization feature, and (ii) either no consent for the Mortgage Loan is required by the holder of the first lien or such consent has been obtained and is contained in the Mortgage File; 

 

(83)  The Mortgagee has not made or caused to be made any payment in the nature of an “average” or “yield spread premium” to a mortgage broker or a like Person which has not been fully disclosed to the Mortgagor;

 

(84)  No Mortgage Loan secured by a Mortgaged Property located in the Commonwealth of Massachusetts was made to pay off or refinance an existing loan or other debt of the related borrower (as the term “borrower” is defined in the regulations promulgated by the Massachusetts Secretary of State in connection with Massachusetts House Bill 4880 (2004)) unless (a) the related Mortgage Interest Rate (that would be effective once the introductory rate expires, with respect to Adjustable Rate Mortgage Loans) did or would not exceed by more than 2.25% the yield on United States Treasury securities having comparable periods of maturity to the maturity of the related Mortgage Loan as of
the fifteenth day of the month immediately preceding the month in which the application for the extension of credit was received by the related lender or (b) the Mortgage Loan is an “open-end home loan” (as such term is used in the Massachusetts House Bill 4880 (2004)) and the related Mortgage Note provides that the related Mortgage Interest Rate may not exceed at any time the Prime rate index as published in The Wall Street Journal plus a margin of one percent; 

 

(85)  With respect to each Mortgage Loan that is secured in whole or in part by the interest of the Mortgagor as a lessee under a ground lease of the related Mortgaged Property (a “Ground Lease”) and not by a fee interest in such Mortgaged Property:

 

  The Mortgagor is the owner of a valid and subsisting interest as tenant under the Ground Lease;

 

  The Ground Lease is in full force and effect, unmodified and not supplemented by any writing or otherwise;

 

  The Mortgagor is not in default under any of the terms thereof and there are no circumstances which, with the passage of time or the giving of notice or both, would constitute an event of default thereunder;

 

  The lessor under the Ground Lease is not in default under any of the terms or provisions thereof on the part of the lessor to be observed or performed;

 

  The term of the Ground Lease exceeds the maturity date of the related Mortgage Loan by at least ten years;

 

  The Ground Lease or a memorandum thereof has been recorded and by its terms permits the leasehold estate to be mortgaged. The Ground Lease grants any leasehold mortgagee standard protection necessary to protect the security of a leasehold mortgagee;

 

  The Ground Lease does not contain any default provisions that could give rise to forfeiture or termination of the Ground Lease except for the non-payment of the Ground Lease rents;

 

  The execution, delivery and performance of the Mortgage do not require the consent (other than those consents which have been obtained and are in full force and effect) under, and will not contravene any provision of or cause a default under, the Ground Lease; 

 

  The Ground Lease provides that the leasehold can be transferred, mortgaged and sublet an unlimited number of times either without restriction or on payment of a reasonable fee and delivery of reasonable documentation to the lessor;

 

  The Mortgagor has not commenced any action or given or received any notice for the purpose of terminating the Ground Lease;

 

  No lessor, as debtor in possession or by a trustee for such lessor has give any notice of, and the Mortgagor has not consented to, any attempt to transfer the related Mortgaged Property free and clear of such Ground Lease under section 363(f) of the Bankruptcy Code; and

 

  No lessor is subject to any voluntary or involuntary bankruptcy, reorganization or insolvency proceeding and no Mortgaged Property is an asset in any voluntary or involuntary bankruptcy, reorganization or insolvency proceeding.

 

(86)  No Mortgage Loan is a balloon mortgage loan that has an original stated maturity of less than seven (7) years;

 

(87)  No Mortgage Loan is subject to mandatory arbitration except when the terms of the arbitration also contain a waiver provision that provides that in the event of a sale or transfer of the Mortgage Loan or interest in the Mortgage Loan to Fannie Mae, the terms of the arbitration are null and void. The Seller hereby covenants that the Seller or the servicer of the Mortgage Loan, as applicable, will notify the Mortgagor in writing within 60 days of the sale or transfer of the Mortgage Loan to Fannie Mae that the terms of the arbitration are null and void; and

 

(88)  Each Mortgage Loan is eligible for sale in the secondary market or for inclusion in a Pass-Through Transfer without unreasonable credit enhancement.

 

EXHIBIT E

 

Representation and Warranties with Respect to the Fifth Third Mortgage Loans

Except for “Mortgage Loans”, which shall mean the Fifth Bank Mortgage Loans sold by the Seller to the Purchaser, all capitalized terms in this Exhibit E shall have the meanings ascribed to them in the Fifth Third Purchase Agreement.

 

(1)  Mortgage Loans as Described. The information set forth in the related Mortgage Loan Schedule and the Mortgage Loan data delivered to the Purchaser in the Data File is complete, true and correct. The Mortgage Loan is in compliance with all requirements set forth in the related Confirmation, and the characteristics of the related Mortgage Loan Package as set forth in the related Confirmation are true and correct;

 

 

(2)  Payments Current. All payments required to be made up to the close of business on the Closing Date for such Mortgage Loan under the terms of the Mortgage Note have been made; the Seller has not advanced funds, or induced, solicited or knowingly received any advance of funds from a party other than the owner of the related Mortgaged Property, directly or indirectly, for the payment of any amount required by the Mortgage Note or Mortgage. There has been no delinquency, exclusive of any period of grace, in any payment by the Mortgagor thereunder since the origination of the Mortgage
Loan;

 

(3)  No Outstanding Charges. There are no delinquent taxes, ground rents, water charges, sewer rents, assessments, insurance premiums, leasehold payments, including assessments payable in future installments or other outstanding charges affecting the related Mortgaged Property;

 

(4)  Location and Type of Mortgaged Property. The Mortgaged Property is located in the state identified in the related Mortgage Loan Schedule and is improved by a Residential Dwelling;

 

(5)  Original Terms Unmodified. The terms of the Mortgage Note and the Mortgage have not been impaired, waived, altered or modified in any respect, except by written instruments, recorded in the applicable public recording office or registered with the MERS System if necessary to maintain the lien priority of the Mortgage, and which have been delivered to the Purchaser; the substance of any such waiver, alteration or modification has been approved by the insurer under the Primary Insurance Policy or LPMI Policy, if any, and the title insurer, to the extent required by the related policy, and is
reflected on the related Mortgage Loan Schedule. No instrument of waiver, alteration or modification has been executed, and no Mortgagor has been released, in whole or in part, except in connection with an assumption agreement approved by the insurer under the Primary Insurance Policy or LPMI Policy, if any, the title insurer, to the extent required by the policy, and which assumption agreement has been delivered to the Purchaser and the terms of which are reflected in the related Mortgage Loan Schedule;

 

(6)  No Defenses. The Mortgage Note and the Mortgage are not subject to any right of rescission, set off, counterclaim or defense, including the defense of usury, nor will the operation of any of the terms of the Mortgage Note and/or the Mortgage, or the exercise of any right thereunder, render the Mortgage unenforceable, in whole or in part, or subject to any right of rescission, set off, counterclaim or defense, including the defense of usury and no such right of rescission, set off, counterclaim or defense has been asserted with respect thereto;

 

(7)  Conformance with Underwriting Guidelines and Agency Standards. The Mortgage Loan was underwritten in accordance with the Underwriting Guidelines of the Seller in effect at the time the Mortgage Loan was originated; and the Mortgage Note and Mortgage are on forms acceptable to Fannie Mae and Freddie Mac;

 

(8)  Hazard Insurance. All buildings upon the Mortgaged Property are insured by a Qualified Insurer acceptable to Fannie Mae and Freddie Mac against loss by fire, hazards of extended coverage and such other hazards as are customary in the area where the Mortgaged Property is located, in an amount not less than the lesser of (i) 100% of the replacement cost of all improvements to the Mortgaged Property and (ii) either (A) the outstanding principal balance of the Mortgage Loan with respect to each first lien Mortgage
Loan or (B) with respect to each Second Lien Mortgage Loan, the sum of the outstanding principal balance of the related first lien mortgage loan and the outstanding principal balance of the Second Lien Mortgage Loan; provided, however, in no event shall the amount of insurance be less than the amount necessary to avoid the operation of any co-insurance provisions with respect to the Mortgaged Property. All such insurance policies contain a standard mortgagee clause naming the Seller, its successors and assigns as mortgagee and all premiums thereon have been paid. If the Mortgaged Property is in an area identified on a Flood Hazard Map or Flood Insurance Rate Map issued by the Federal Emergency Management Agency as having special flood hazards (and such flood insurance has been made available) a flood insurance policy meeting the requirements of the current guidelines of the Federal Insurance Administration is in effect
which policy conforms to the requirements of Fannie Mae and Freddie Mac. The Mortgage obligates the Mortgagor thereunder to maintain all such insurance at the Mortgagor’s cost and expense, and on the Mortgagor’s failure to do so, authorizes the holder of the Mortgage to maintain such insurance at Mortgagor’s cost and expense and to seek reimbursement therefor from the Mortgagor;

 

(9)  Compliance with Applicable Laws. Any and all requirements of any federal, state or local law including, without limitation, usury, truth in lending, real estate settlement procedures, consumer credit protection, equal credit opportunity, fair housing, disclosure laws and all predatory, abusive and fair lending laws applicable to the origination and servicing of mortgage loans of a type similar to the Mortgage Loans have been complied with and the consummation of the transactions contemplated hereby will not involve the violation of any such laws, and the Seller shall maintain in its possession,
available for the inspection of the Purchaser or its designee, and shall deliver to the Purchaser or its designee, upon two Business Days’ request, evidence of compliance with such requirements;

 

(10)  No Satisfaction of Mortgage. The Mortgage has not been satisfied, cancelled, subordinated or rescinded, in whole or in part, and the Mortgaged Property has not been released from the lien of the Mortgage, in whole or in part, nor has any instrument been executed that would effect any such satisfaction, cancellation, subordination, rescission or release;

 

(11)  Valid Lien. The related Mortgage is properly recorded and is a valid, existing and enforceable (A) first lien and first priority security interest with respect to each Mortgage Loan which is indicated by the Seller to be a First Lien (as reflected on the Mortgage Loan Schedule), or (B) second lien and second priority security interest with respect to each Mortgage Loan which is indicated by the Seller to be a Second Lien (as reflected on the Mortgage Loan Schedule), in either case, on the Mortgaged Property, including all improvements on the Mortgaged Property subject only to (a) the lien of
current real property taxes and assessments not yet due and payable, (b) covenants, conditions and restrictions, rights of way, easements and other matters of the public record as of the date of recording being acceptable to mortgage lending institutions generally and specifically referred to in the lender’s title insurance policy delivered to the originator of the Mortgage Loan and which do not adversely affect the Appraised Value of the Mortgaged Property, (c) other matters to which like properties are commonly subject which do not materially interfere with the benefits of the security intended to be provided by the Mortgage or the use, enjoyment, value or marketability of the related Mortgaged Property and (d) with respect to each Mortgage Loan which is indicated by the Seller to be a Second Lien Mortgage Loan (as reflected on the Mortgage Loan Schedule) a First Lien on the Mortgaged Property. Any security agreement, chattel mortgage or equivalent document related to and delivered in
connection with the Mortgage Loan establishes and creates a valid, existing and enforceable (A) first lien and first priority security interest with respect to each Mortgage Loan which is indicated by the Seller to be a First Lien (as reflected on the Mortgage Loan Schedule) or (B) second lien and second priority security interest with respect to each Mortgage Loan which is indicated by the Seller to be a Second Lien Mortgage Loan (as reflected on the Mortgage Loan Schedule), in either case, on the property described therein and the Seller has full right to sell and assign the same to the Purchaser. The Mortgaged Property was not, as of the date of origination of the Mortgage Loan, subject to a mortgage, deed of trust, deed to secure debt or other security instrument creating a lien subordinate to the lien of the Mortgage;

 

(12)  Validity of Mortgage Loan Documents. The Mortgage Note and the related Mortgage are genuine and each is the legal, valid and binding obligation of the maker thereof, enforceable in accordance with its terms;

 

(13)  Legal Capacity. All parties to the Mortgage Note and the Mortgage had legal capacity to enter into the Mortgage Loan and to execute and deliver the Mortgage Note and the Mortgage, and the Mortgage Note and the Mortgage have been duly and properly executed by such parties. The Mortgagor is a natural person;

 

(14)  Full Disbursement of Proceeds. The proceeds of the Mortgage Loan have been fully disbursed to or for the account of the Mortgagor and there is no obligation for the Mortgagee to advance additional funds thereunder and any and all requirements as to completion of any on-site or off-site improvement and as to disbursements of any escrow funds therefor have been complied with. All costs, fees and expenses incurred in making or closing the Mortgage Loan and the recording of the Mortgage have been paid, and the Mortgagor is not entitled to any refund of any amounts paid or due to the Mortgagee
pursuant to the Mortgage Note or Mortgage;

 

(15)  Ownership. The Seller is the sole legal, beneficial and equitable owner of the Mortgage Note and the Mortgage. The Seller has full right and authority under all governmental and regulatory bodies having jurisdiction over such Seller, subject to no interest or participation of, or agreement with, any party, to transfer and sell the Mortgage Loan to the Purchaser pursuant to this Agreement free and clear of any encumbrance or right of others, equity, lien, pledge, charge, mortgage, claim, participation interest or security interest of any nature (collectively, a “Lien”); and immediately
upon the transfers and assignments herein contemplated, the Seller shall have transferred and sold all of its right, title and interest in and to each Mortgage Loan and the Purchaser will hold good, marketable and indefeasible title to, and be the owner of, each Mortgage Loan subject to no Lien;

 

(16)  Doing Business. All parties which have had any interest in the Mortgage Loan, whether as originator, mortgagee, assignee, pledgee or otherwise, are (or, during the period in which they held and disposed of such interest, were): (A) organized under the laws of such state, or (B) qualified to do business in such state, or (C) federal savings and loan associations or national banks having principal offices in such state, or (D) not doing business in such state so as to require qualification or licensing, or (E) not otherwise required to be licensed in such state. All parties which have had any
interest in the Mortgage Loan were in compliance with any and all applicable “doing business” and licensing requirements of the laws of the state wherein the Mortgaged Property is located or were not required to be licensed in such state;

 

(17)  Title Insurance. The Mortgage Loan is covered by an American Land Title Association (“ALTA”) ALTA lender’s title insurance policy acceptable to Fannie Mae and Freddie Mac (which, in the case of an Adjustable Rate Mortgage Loan has an adjustable rate mortgage endorsement in the form of ALTA 6.0 or 6.1), issued by a title insurer acceptable to Fannie Mae and Freddie Mac and qualified to do business in the jurisdiction where the Mortgaged Property is located, insuring (subject to the exceptions contained above in (xi)(a) and (b) and, with respect to each Mortgage Loan which is
indicated by the Seller to be a Second Lien Mortgage Loan (as reflected on the Mortgage Loan Schedule) clause (d)) the Seller, its successors and assigns as to the first priority lien of the Mortgage in the original principal amount of the Mortgage Loan and, with respect to any Adjustable Rate Mortgage Loan, against any loss by reason of the invalidity or unenforceability of the lien resulting from the provisions of the Mortgage providing for adjustment in the Mortgage Interest Rate and Monthly Payment. Additionally, such lender’s title insurance policy affirmatively insures ingress and egress to and from the Mortgaged Property, and against encroachments by or upon the Mortgaged Property or any interest therein. The Seller is the sole insured of such lender’s title insurance policy, and such lender’s title insurance policy is in full force and effect and will be in full force and effect upon the consummation of the transactions contemplated by this Agreement. No claims have been made
under such lender’s title insurance policy, and no prior holder of the related Mortgage, including the Seller, has done, by act or omission, anything which would impair the coverage of such lender’s title insurance policy;

 

(18)  No Defaults. There is no default, breach, violation or event of acceleration existing under the Mortgage or the Mortgage Note and no event which, with the passage of time or with notice and the expiration of any grace or cure period, would constitute a default, breach, violation or event of acceleration, and the Seller has not waived any default, breach, violation or event of acceleration. With respect to each Mortgage Loan which is indicated by the Seller to be a Second Lien Mortgage Loan (as reflected on the Mortgage Loan Schedule) (i) the First Lien is in full force and effect, (ii) there is
no default, breach, violation or event of acceleration existing under such First Lien mortgage or the related mortgage note, (iii) no event which, with the passage of time or with notice and the expiration of any grace or cure period, would constitute a default, breach, violation or event of acceleration thereunder, and either (A) the First Lien mortgage contains a provision which allows or (B) applicable law requires, the mortgagee under the Second Lien Mortgage Loan to receive notice of, and affords such mortgagee an opportunity to cure any default by payment in full or otherwise under the First Lien mortgage;

 

(19)  No Mechanics’ Liens. There are no mechanics’ or similar liens or claims which have been filed for work, labor or material (and no rights are outstanding that under law could give rise to such lien) affecting the related Mortgaged Property which are or may be liens prior to, or equal or coordinate with, the lien of the related Mortgage;

 

(20)  Origination. The Mortgage Loan was originated by the Seller or by a savings and loan association, a savings bank, a commercial bank or similar banking institution which is supervised and examined by a federal or state authority, or by a mortgagee approved as such by the Secretary of HUD;

 

(21)  Payment Terms. Payments on the Mortgage Loan shall commence (with respect to any newly originated Mortgage Loans) or commenced no more than sixty days after the proceeds of the Mortgage Loan were disbursed. The Mortgage Loan bears interest at the Mortgage Interest Rate. With respect to each Mortgage Loan, the Mortgage Note is payable on the first day of each month in Monthly Payments, which, (A) in the case of a Fixed Rate Mortgage Loan, are sufficient to fully amortize the original principal balance over the original term thereof (other than with respect to a Mortgage Loan identified on the
related Mortgage Loan Schedule as an interest-only Mortgage Loan during the interest-only period or a Mortgage Loan which is identified on the related Mortgage Loan Schedule as a Balloon Mortgage Loan) and to pay interest at the related Mortgage Interest Rate, and (B) in the case of an Adjustable Rate Mortgage Loan, are changed on each Adjustment Date, and in any case, are sufficient to fully amortize the original principal balance over the original term thereof (other than with respect to a Mortgage Loan identified on the related Mortgage Loan Schedule as an interest-only Mortgage Loan during the interest-only period or a Mortgage Loan which is identified on the related Mortgage Loan Schedule as a Balloon Mortgage Loan) and to pay interest at the related Mortgage Interest Rate. The Index for each Adjustable Rate Mortgage Loan is as defined in the related Mortgage Loan Schedule. With respect to each Mortgage Loan identified on the Mortgage Loan Schedule as an interest-only Mortgage Loan, the
interest-only period shall not exceed the period specified on the Mortgage Loan Schedule and following the expiration of such interest-only period, the remaining Monthly Payments shall be sufficient to fully amortize the original principal balance over the remaining term of the Mortgage Loan. With respect to each Balloon Mortgage Loan, the Mortgage Note requires a monthly payment which is sufficient to fully amortize the original principal balance over the original term thereof and to pay interest at the related Mortgage Interest Rate and requires a final Monthly Payment substantially greater than the preceding monthly payment which is sufficient to repay the remaining unpaid principal balance of the Balloon Mortgage Loan as of the Due Date of such Monthly Payment. No Balloon Mortgage Loan has an original stated maturity of less than seven (7) years. The Mortgage Note does not permit negative amortization. No Mortgage Loan had an original term to maturity of more than thirty (30) years;

 

(22)  Origination and Collection Practices; Escrow Deposits. The origination, servicing and collection practices used by the Seller with respect to each Mortgage Note and Mortgage, including without limitation the establishment, maintenance and servicing of the Escrow Accounts and Escrow Payments, if any, since origination have been in all respects legal, proper, prudent and customary in the mortgage origination and servicing industry. The Mortgage Loan has been serviced by the Seller and any predecessor servicer in accordance with all applicable laws, rules and regulations, the terms of the Mortgage
Note and Mortgage, and the Fannie Mae and Freddie Mac servicing guides. With respect to escrow deposits and Escrow Payments (other than with respect to each Mortgage Loan which is indicated by the Seller to be a Second Lien Mortgage Loan and for which the mortgagee under the First Lien is collecting Escrow Payments (as reflected on the Mortgage Loan Schedule)), if any, all such payments are in the possession of, or under the control of, the Seller and there exist no deficiencies in connection therewith for which customary arrangements for repayment thereof have not been made. No escrow deposits or Escrow Payments or other charges or payments due the Seller have been capitalized under any Mortgage or the related Mortgage Note and no such escrow deposits or Escrow Payments are being held by the Seller for any work on a Mortgaged Property which has not been completed;

 

(23)  Mortgaged Property Undamaged. As of the origination of the Mortgage Loan and, to the best of the Seller’s knowledge, as of the Closing Date, the Mortgaged Property is free of damage and waste and is in good repair, and there is no proceeding pending or threatened for the total or partial condemnation thereof nor is such a proceeding currently occurring;

 

(24)  Customary Provisions. The Mortgage and related Mortgage Note contain customary and enforceable provisions such as to render the rights and remedies of the holder thereof adequate for the realization against the Mortgaged Property of the benefits of the security provided thereby, including, (a) in the case of a Mortgage designated as a deed of trust, by trustee’s sale, and (b) otherwise by judicial foreclosure. The Mortgaged Property has not been subject to any bankruptcy proceeding or foreclosure proceeding and the Mortgagor has not filed for protection under applicable bankruptcy laws.
There is no homestead or other exemption available to the Mortgagor which would interfere with the right to sell the Mortgaged Property at a trustee’s sale or the right to foreclose the Mortgage; The Mortgagor has not notified the Seller and the Seller has no knowledge of any relief requested or allowed to the Mortgagor under the Servicemembers Civil Relief Act;

 

(25)  Appraisal. Unless otherwise set forth on the Mortgage Loan Schedule, the Mortgage File contains an appraisal of the related Mortgaged Property which, (a) with respect to First Lien Mortgage Loans, was on appraisal form 1004 or form 2055 with an interior inspection, or (b) with respect to Second Lien Mortgage Loans, was on appraisal form 704, 2065 or 2055 with an exterior only inspection, and (c) with respect to (a) or (b) above, was made and signed, prior to the approval of the Mortgage Loan application, by a qualified appraiser, duly appointed by the Seller, who had no interest, direct or
indirect in the Mortgaged Property or in any loan made on the security thereof, whose compensation is not affected by the approval or disapproval of the Mortgage Loan and who met the minimum qualifications of Fannie Mae and Freddie Mac. Each appraisal of the Mortgage Loan was made in accordance with the relevant provisions of the Financial Institutions Reform, Recovery, and Enforcement Act of 1989;

 

(26)  Deeds of Trust. In the event the Mortgage constitutes a deed of trust, a trustee, duly qualified under applicable law to serve as such, has been properly designated and currently so serves and is named in the Mortgage, and no fees or expenses are or will become payable by the Purchaser to the trustee under the deed of trust, except in connection with a trustee’s sale after default by the Mortgagor;

 

(27)  Construction or Rehabilitation of Mortgaged Property. No Mortgage Loan was made in connection with (a) the construction or rehabilitation of a Mortgaged Property or (b) facilitating the trade-in or exchange of a Mortgaged Property;

 

(28)   LTV; CLTV. The Loan-to-Value Ratio of any Mortgage Loan at origination was not more than 95% and the CLTV of any Mortgage Loan at origination was not more than 100%; Each Mortgage Loan (other than any Mortgage Loan underwritten pursuant to the Seller’s Subprime Underwriting Guidelines) with an original Loan-to-Value Ratio at origination greater than 80% is and will be subject to a Primary Insurance Policy, issued by a Qualified Insurer, which insures that portion of the Mortgage Loan in excess of the
portion of the Appraised Value of the Mortgaged Property as required by Fannie Mae. All provisions of such Primary Insurance Policy have been and are being complied with, such policy is in full force and effect, and all premiums due thereunder have been paid. Any Mortgage subject to any such Primary Insurance Policy obligates the Mortgagor thereunder to maintain such insurance and to pay all premiums and charges in connection therewith. The Mortgage Interest Rate for the Mortgage Loan does not include any such insurance premium. If a Mortgage Loan is identified on the Mortgage Loan Schedule as subject to a Lender Paid Mortgage Insurance Policy, such policy insures that portion of the Mortgage Loan set forth in the LPMI Policy. All provisions of any such LPMI Policy have been and are being complied with, such policy is in full force and effect, and all premiums due thereunder have been paid. The Mortgage Interest Rate for the Mortgage Loan does not include the insurance premium for any LPMI
Policy;

 

(29)   Occupancy of the Mortgaged Property. The Mortgaged Property is lawfully occupied under applicable law; all inspections, licenses and certificates required to be made or issued with respect to all occupied portions of the Mortgaged Property and, with respect to the use and occupancy of the same, including but not limited to certificates of occupancy and fire underwriting certificates, have been made or obtained from the appropriate authorities. No improvement located on or being part of any Mortgaged
Property is in violation of any applicable zoning and subdivision law, ordinance or regulation;

 

(30)  No Error, Omission, Fraud etc. No error, omission, misrepresentation, negligence, fraud or similar occurrence with respect to a Mortgage Loan has taken place on the part of any person, including without limitation the Mortgagor, any appraiser, any builder or developer, or any other party involved in the origination of the Mortgage Loan or in the application of any insurance in relation to such Mortgage Loan;

 

(31)  Consolidation of Advances; Lien Priority. Any principal advances made to the Mortgagor prior to the Cut-off Date have been consolidated with the outstanding principal amount secured by the Mortgage, and the secured principal amount, as consolidated, bears a single interest rate and single repayment term reflected on the Mortgage Loan Schedule. The lien of the Mortgage securing the consolidated principal amount is expressly insured as having (A) first lien priority with respect to each Mortgage Loan which is indicated by the Seller to be a First Lien (as reflected on the Mortgage Loan Schedule),
or (B) second lien priority with respect to each Mortgage Loan which is indicated by the Seller to be a Second Lien Mortgage Loan (as reflected on the Mortgage Loan Schedule), in either case, by a title insurance policy, an endorsement to the policy insuring the mortgagee’s consolidated interest or by other title evidence acceptable to Fannie Mae and Freddie Mac. The consolidated principal amount does not exceed the original principal amount of the Mortgage Loan;

 

(32)   Environmental Matters. The Mortgaged Property is in material compliance with all applicable environmental laws pertaining to environmental hazards including, without limitation, asbestos, and neither the Seller nor, to the Seller’s knowledge, the related Mortgagor, has received any notice of any violation or potential violation of such law;

 

(33)   HOEPA. No Mortgage Loan is (a) subject to the provisions of the Homeownership and Equity Protection Act of 1994 as amended (“HOEPA”), or has an “annual percentage rate” or “total points and fees” payable by the borrower (as each term is defined under HOEPA) that equals or exceeds the applicable thresholds defined under HOEPA (Section 32 of Regulation Z, 12 C.F.R. Section 226.32(a)(1)(i) and (ii)), (b) a “high cost” mortgage loan, “covered” mortgage loan
(excluding home loans defined as “covered home loans” in the New Jersey Home Ownership Security Act of 2002 that were originated between November 26, 2003 and July 7, 2004), “high risk home” mortgage loan, or “predatory” mortgage loan or any other comparable term, no matter how defined under any federal, state or local law, (c) subject to any comparable federal, state or local statutes or regulations, or any other statute or regulation providing for heightened regulatory scrutiny, assignee liability to holders of such mortgage loans or additional legal liability for mortgage loans having high interest rates, points and/or fees, or (d) a High Cost Loan or Covered Loan, as applicable (as such terms are defined in the current Standard & Poor’s LEVELS® Glossary Revised, Appendix E);

 

(34)   Due-On-Sale. Each Mortgage contains an enforceable provision for the acceleration of the payment of the unpaid principal balance of the related Mortgage Loan in the event the related Mortgaged Property is sold or transferred without the prior consent of the mortgagee thereunder;

 

(35)  Second Liens. With respect to each Mortgage Loan which is a Second Lien, (i) the related First Lien does not provide for negative amortization, (ii) either no consent for the Mortgage Loan is required by the holder of the First Lien or such consent has been obtained and is contained in the Mortgage File and (iii) such Second Lien is on a Residential Dwelling that is (or will be) the principal residence of the Mortgagor upon origination of the Second Lien; 

 

(36)  Prepayment Charges in Mortgage Loan Documents. The Mortgage Loan Documents with respect to each Mortgage Loan subject to Prepayment Charges specifically authorizes such Prepayment Charges to be collected, such Prepayment Charges are permissible and enforceable in accordance with the terms of the related Mortgage Loan Documents and all applicable federal, state and local laws (except to the extent that the enforceability thereof may be limited by bankruptcy, insolvency, moratorium, receivership and other similar laws relating to creditors’ rights generally or the collectability thereof may
be limited due to acceleration in connection with a foreclosure) and each Prepayment Charge was originated in compliance with all applicable federal, state and local laws;

 

(37)   Compliance with Patriot Act. The Seller has complied with all applicable anti-money laundering laws and regulations, including without limitation the USA Patriot Act of 2001 (collectively, the “Anti-Money Laundering Laws”). The Seller has established an anti-money laundering compliance program as required by the Anti-Money Laundering Laws, has conducted the requisite due diligence in connection with the origination of each Mortgage Loan for purposes of the Anti-Money Laundering Laws, including
with respect to the legitimacy of the applicable Mortgagor and the origin of the assets used by the said Mortgagor to purchase the property in question, and maintains, and will maintain, sufficient information to identify the applicable Mortgagor for purposes of the Anti-Money Laundering Laws; no Mortgage Loan is subject to nullification pursuant to Executive Order 13224 (the “Executive Order”) or the regulations promulgated by the Office of Foreign Assets Control of the United States Department of the Treasury (the “OFAC Regulations”) or in violation of the Executive Order or the OFAC Regulations, and no Mortgagor is subject to the provisions of such Executive Order or the OFAC Regulations nor listed as a “blocked person” for purposes of the OFAC Regulations; 

 

(38)  MERS Mortgage Loans. With respect to each MERS Mortgage Loan, a MIN has been assigned by MERS and such MIN is accurately provided on the related Mortgage Loan Schedule. The related Assignment of Mortgage to MERS has been duly and properly recorded or has been delivered for recording to the applicable recording office. With respect to each MERS Mortgage Loan, the Seller has not received any notice of liens or legal actions with respect to such Mortgage Loan and no such notices have been electronically posted by MERS;

 

(39)  FACT Act. The sale or transfer of the Mortgage Loan by the Seller complies with all applicable federal, state, and local laws, rules, and regulations governing such sale or transfer, including, without limitation, the Fair and Accurate Credit Transactions Act (“FACT Act”) and the Fair Credit Reporting Act, each as may be amended from time to time, and the Seller has not received any actual or constructive notice of any identity theft, fraud, or other misrepresentation in connection with such Mortgage Loan or any party thereto.

 

(40)  Qualified Mortgage. Each Mortgage Loan constitutes a “qualified mortgage” under Section 860G(a)(3)(A) of the Code and Treasury Regulation Section 1.860G-2(a)(1); 

 

(41)  Condos and PUDs. If the Residential Dwelling on the Mortgaged Property is a condominium unit or a unit in a planned unit development (other than a de minimis planned unit development) such condominium or planned unit development project meets the eligibility requirements of Fannie Mae and Freddie Mac;

 

(42)  Appraised Value. All improvements which were considered in determining the Appraised Value of the related Mortgaged Property lay wholly within the boundaries and building restriction lines of the Mortgaged Property, and no improvements on adjoining properties encroach upon the Mortgaged Property;

 

(43)  No Additional Collateral. The Mortgage Note is not and has not been secured by any collateral except the lien of the corresponding Mortgage on the Mortgaged Property and the security interest of any applicable security agreement or chattel mortgage referred to in (xi) above;

 

(44)  Buydown Mortgage Loans. No Mortgage Loan contains provisions pursuant to which Monthly Payments are (a) paid or partially paid with funds deposited in any separate account established by the Seller, the Mortgagor, or anyone on behalf of the Mortgagor, (b) paid by any source other than the Mortgagor or (c) contains any other similar provisions which may constitute a “buydown” provision; 

 

(45)  No Convertible Mortgage Loans; No Graduated Payments or Contingent Interests. No Mortgage Loan is a Convertible Mortgage Loan. The Mortgage Loan is not a graduated payment mortgage loan, and the Mortgage Loan does not have a shared appreciation or other contingent interest feature;

 

(46)  Disclosure Materials. The Mortgagor has executed a statement to the effect that the Mortgagor has received all disclosure materials required by applicable law with respect to the making of fixed rate mortgage loans in the case of Fixed Rate Mortgage Loans, and adjustable rate mortgage loans in the case of Adjustable Rate Mortgage Loans and rescission materials with respect to Refinanced Mortgage Loans, and such statement is and will remain in the Mortgage File;

 

(47)  Recordation of Mortgages. Each original Mortgage was recorded and all subsequent assignments of the original Mortgage (other than the assignment to the Purchaser) have been recorded, or are in the process of being recorded, in the appropriate jurisdictions wherein such recordation is necessary to perfect the lien thereof as against creditors of the Seller. As to any Mortgage Loan which is not a MERS Mortgage Loan, the Assignment of Mortgage is in recordable form (except for the name of the assignee which is blank) and is acceptable for recording under the laws of the jurisdiction in which the
Mortgaged Property is located;

 

(48)  Texas Refinance Loans. Each Mortgage Loan originated in the state of Texas pursuant to Article XVI, Section 50(a)(6) of the Texas Constitution (a “Texas Refinance Loan”) has been originated in compliance with the provisions of Article XVI, Section 50(a)(6) of the Texas Constitution, Texas Civil Statutes and the Texas Finance Code. With respect to each Texas Refinance Loan that is a Cash Out Refinancing, the related Mortgage Loan Documents state that the Mortgagor may prepay such Texas Refinance Loan in whole or in part without incurring a Prepayment Charge. The Seller does not collect
any such Prepayment Charges in connection with any such Texas Refinance Loan;

 

(49)  Verification of Down Payment. Unless otherwise set forth on the Mortgage Loan Schedule, the source of the down payment with respect to each Mortgage Loan has been fully verified by the Seller;

 

(50)  Tax Service Contracts. The Seller shall, at its own expense, cause each Mortgage Loan to be covered by a “life of loan” Tax Service Contract which is assignable to the Purchaser or its designee at no cost to the Purchaser or its designee; provided however, that if the Seller fails to purchase such Tax Service Contract, the Seller shall be required to reimburse the Purchaser for all costs and expenses incurred by the Purchaser in connection with the purchase of any such Tax Service Contract;

 

(51)  Flood Zone Service Contracts. Each Mortgage Loan is covered by a “life of loan” Flood Zone Service Contract which is assignable to the Purchaser or its designee at no cost to the Purchaser or its designee or, for each Mortgage Loan not covered by such Flood Zone Service Contract, the Seller agrees to purchase such Flood Zone Service Contract;

 

(52)  No Cooperatives; No Commercial Property; No Mixed Use Property, No Manufacture Housing. No Mortgage Loan is secured by cooperative housing, commercial property, manufactured housing, a mobile home or mixed use property;

 

(53)  Secondary Market Sales. Each Mortgage Loan is eligible for sale in the secondary market or for inclusion in a Securitization Transaction without unreasonable credit enhancement;

 

(54)  No Adverse Selection. No selection procedures were used by the Seller that identified the Mortgage Loans as being less desirable or valuable than other comparable mortgage loans in the Seller’s portfolio;

 

(55)  Georgia. No Mortgage Loan originated or modified on or after October 1, 2002 and prior to March 7, 2003 is secured by a Mortgaged Property located in the State of Georgia. No Mortgage Loan originated on or after March 7, 2003 is a “high cost home loan” as defined under the Georgia Fair Lending Act.

 

(56)  New Jersey Manufactured Housing Loans. No Mortgage Loan is a “manufactured housing loan” pursuant to the NJ Act, and one hundred percent of the amount financed of any purchase money Second Lien Mortgage Loan subject to the NJ Act was used for the purchase of the related Mortgaged Property;

 

(57)  Reserved;

 

(58)  No Ground Leases. No Mortgage Loan is secured in whole or in part by the interest of the Mortgagor as a lessee under a ground lease of the related Mortgaged Property;

 

(59)  Massachusetts Refinanced Mortgage Loans. No Mortgage Loan secured by a Mortgaged Property located in the Commonwealth of Massachusetts was made to pay off or refinance an existing loan or other debt of the related borrower (as the term “borrower” is defined in the regulations promulgated by the Massachusetts Secretary of State in connection with Massachusetts House Bill 4880 (2004)) unless either (1) (a) the related Mortgage Interest Rate (that would be effective once the introductory rate expires, with respect to Adjustable Rate Mortgage Loans) did or would not exceed by more than
2.25% the yield on United States Treasury securities having comparable periods of maturity to the maturity of the related Mortgage Loan as of the fifteenth day of the month immediately preceding the month in which the application for the extension of credit was received by the related lender or (b) the Mortgage Loan is an “open-end home loan” (as such term is used in the Massachusetts House Bill 4880 (2004)) and the related Mortgage Note provides that the related Mortgage Interest Rate may not exceed at any time the Prime rate index as published in The Wall Street Journal plus a margin of one percent, or (2) such Mortgage Loan is in the "borrower's interest," as documented by a "borrower's interest worksheet" for the particular Mortgage Loan, which worksheet incorporates the factors set forth in Massachusetts House Bill 4880 (2004) and the regulations promulgated thereunder for determining "borrower's interest," and otherwise complies in all material respects with the laws of the
Commonwealth of Massachusetts;

 

(60)  Broker Fees. The Mortgagor has not made or caused to be made any payment in the nature of an “average” or “yield spread premium” to a mortgage broker or a like Person which has not been fully disclosed to the Mortgagor;

 

(61)  Acceptable Investment. The Seller has no knowledge of any circumstances or condition with respect to the Mortgage, the Mortgaged Property, the Mortgagor or the Mortgagor’s credit standing that can reasonably be expected to cause the Mortgage Loan to be an unacceptable investment, cause the Mortgage Loan to become delinquent, cause the Mortgage Loan to not be paid in full when due, or adversely affect the value of the Mortgage Loan;

 

(62)  No Notification of Prepayments in Full. The Mortgage Loan was not prepaid in full prior to the Closing Date and the Seller has not received notification from a Mortgagor that a prepayment in full shall be made after the Closing Date;

 

(63)  Limitation on number of Mortgage Notes per Borrower. No Mortgagor is the obligor on more than two Mortgage Notes;

 

(64)  Prepayment Charges; With respect to any Mortgage Loan that contains a provision permitting imposition of a Prepayment Charge upon a Principal Prepayment prior to maturity: (i) prior to the Mortgage Loan’s origination, the Mortgagor agreed to such Prepayment Charge in exchange for a monetary benefit, including but not limited to a Mortgage Interest Rate or fee reduction, (ii) prior to the Mortgage Loan’s origination, the Mortgagor was offered the option of obtaining a Mortgage Loan that did not require payment of a Prepayment Charge and the originator of the Mortgage Loan had a written
policy of offering borrowers, or requiring third-party brokers to offer borrowers, the option of obtaining a mortgage loan that did not require the payment of a Prepayment Charge, (iii) the Prepayment Charge is disclosed to the Mortgagor in the Mortgage Loan Documents pursuant to state and federal law applicable to the Mortgage Loan, (iv) for Mortgage Loans originated on or after October 1, 2002, the duration of the prepayment period shall not exceed three (3) years from the date of the Mortgage Note, unless the Mortgage Loan was modified to reduce the prepayment period to no more than three years from the date of the Mortgage Note and the Mortgagor was notified in writing of such reduction in the prepayment period, (v) no Mortgage Loan originated prior to October 1, 2002 has a Prepayment Charge longer than five years and (vi) notwithstanding any state or federal law to the contrary, the Seller shall not impose such Prepayment Charge in any instance when the Mortgage Loan is accelerated or paid off in
connection with the workout of a delinquent mortgage or due to the Mortgagor’s default. Each Prepayment Charge is permissible, collectable and enforceable.

 

(65)  No Predatory Lending. No predatory, abusive or deceptive lending practices, including but not limited to, the extension of credit to a Mortgagor without regard for the Mortgagor’s ability to repay the Mortgage Loan and the extension of credit to a Mortgagor which has no tangible net benefit to the Mortgagor, were employed in connection with the origination of the Mortgage Loan. Each Mortgage Loan is in compliance with the anti-predatory lending eligibility for purchase requirements of Fannie Mae’s Selling Guide. No Mortgagor was encouraged or required to select a Mortgage Loan product
offered by the Mortgage Loan’s originator which is a higher cost product designed for less creditworthy borrowers, unless at the time of the Mortgage Loan’s origination, such Mortgagor did not qualify taking into account credit history and debt to income ratios for a lower cost credit product then offered by the Mortgage Loan’s originator or any affiliate of the Mortgage Loan’s originator. If, at the time of the related loan application, the Mortgagor may have qualified for a lower cost credit product then offered by any mortgage lending affiliate of the Mortgage Loan’s originator, the Mortgage Loan’s originator referred the Mortgagor’s application to such affiliate for underwriting consideration; 

 

(66)  Underwriting Methodology. The methodology used in underwriting the extension of credit for each Mortgage Loan employs objective mathematical principles which relate the Mortgagor’s income, credit history, assets and liabilities to the proposed payment and such underwriting methodology did and does not rely on the extent of the Mortgagor’s equity in the collateral as the principal determining factor in approving such credit extension. Such underwriting methodology confirmed that at the time of origination (application/approval) the Mortgagor had a reasonable ability to make timely
payments on the Mortgage Loan. 

 

(67)  Points and Fees Disclosed. All points, fees and charges, including finance charges (whether or not financed, assessed, collected or to be collected), in connection with the origination and servicing of any Mortgage Loan were disclosed in writing to the related Mortgagor in accordance with applicable state and federal law and regulation and no related Mortgagor was charged “points and fees” (whether or not financed) in an amount that exceeds the greater of (1) 5% of the principal amount
of such loan or (2) $1,000. For the purposes of this representation, “points and fees” (a) include origination, underwriting, broker and finder’s fees and charges that the lender imposed as a condition of making the Mortgage Loan, whether they are paid to the lender or a third party; and (b) exclude bona fide discount points, fees paid for actual services rendered in connection with the origination of the Mortgage Loan (such as attorneys’ fees, notaries fees and fees paid for property appraisals, credit reports, surveys, title examinations and extracts, flood and tax certifications, and home inspections) and the cost of mortgage insurance or credit-risk price adjustments; the costs of title, hazard, and flood insurance policies; state and local transfer taxes or fees; escrow deposits for the future payment of taxes and insurance premiums; and other miscellaneous fees and charges that, in total, do not exceed 0.25 percent of the loan amount);

 

(68)  Full File Credit Reporting (Fannie Mae). The Seller will transmit full-file credit reporting data for each Mortgage Loan pursuant to Fannie Mae Guide Announcement 95-19 and for each Mortgage Loan, Seller agrees it shall report one of the following statuses each month as follows: new origination, current, delinquent (30-, 60-, 90-days, etc.), foreclosed, or charged-off;

 

(69)  No Credit Life Policies. No Mortgagor was required to purchase any single premium credit insurance policy (e.g. life, mortgage, disability, accident, unemployment, property or health insurance product) or debt cancellation agreement as a condition of obtaining the extension of credit. No Mortgagor obtained a prepaid single premium credit insurance policy (e.g. life, mortgage, disability, accident, unemployment, property or health insurance product) in connection with the origination of the Mortgage Loan, and no proceeds from any Mortgage Loan were used to purchase single-premium credit
insurance policies or debt cancellation agreements as part of the origination of, or as a condition to closing, such Mortgage Loan; 

 

(70)  Full File Credit Reporting (Past Practice; Future Practice). The Seller and any predecessor servicer has fully furnished, in accordance with the Fair Credit Reporting Act and its implementing regulations, accurate and complete information (e.g., favorable and unfavorable) on its borrower credit files to Equifax, Experian and Trans Union Credit Information Company (three of the credit repositories) on a monthly basis; and the Seller will fully furnish, in accordance with the Fair Credit Reporting Act and its implementing regulations, accurate and complete information (e.g., favorable and
unfavorable) on its borrower credit files to Equifax, Experian and Trans Credit Information Company (three of the credit repositories), on a monthly basis; and

 

(71)  No Arbitration. With respect to each Mortgage Loan, neither the related Mortgage nor the related Mortgage Note requires the Mortgagor to submit to arbitration to resolve any dispute arising out of or relating in any way to the Mortgage Loan; No Mortgagor agreed to submit to arbitration to resolve any dispute arising out of or relating in any way to the Mortgage Loan.

 

 

EXHIBIT F

Representation and Warranties with Respect to the HomeBanc Mortgage Loans 

Except for “Mortgage Loans”, which shall mean the HomeBanc Mortgage Loans sold by the Seller to the Purchaser, all capitalized terms in this Exhibit F shall have the meanings ascribed to them in the HomeBanc Purchase Agreement.

The Seller hereby represents and warrants to the Purchaser that, as to each Mortgage Loan, as of the related Closing Date for such Mortgage Loan:

 

i)  Mortgage Loans as Described. The information set forth in the related Mortgage Loan Schedule and the Mortgage Loan data delivered to the Purchaser in the Data File is complete, true and correct. The Mortgage Loan is in compliance with all requirements set forth in the related Confirmation, and the characteristics of the related Mortgage Loan Package as set forth in the related Confirmation are true and correct;

 

ii)  Payments Current. All payments required to be made up to the close of business on the Closing Date for such Mortgage Loan under the terms of the Mortgage Note have been made; unless a Mortgage Loan is a Buydown Mortgage Loan, the Seller has not advanced funds, or induced, solicited or knowingly received any advance of funds from a party other than the owner of the related Mortgaged Property, directly or indirectly, for the payment of any amount required by the Mortgage Note or Mortgage. Unless otherwise set forth in the related Commitment Letter and Mortgage Loan Schedule, there has been no delinquency,
exclusive of any period of grace, in any payment by the Mortgagor thereunder since the origination of the Mortgage Loan;

 

iii)  No Outstanding Charges. There are no delinquent taxes, ground rents, water charges, sewer rents, assessments, insurance premiums, leasehold payments, including assessments payable in future installments or other outstanding charges affecting the related Mortgaged Property;

 

iv)  Location and Type of Mortgaged Property. The Mortgaged Property is located in the state identified in the related Mortgage Loan Schedule and is improved by a Residential Dwelling;

 

v)  Original Terms Unmodified. The terms of the Mortgage Note and the Mortgage have not been impaired, waived, altered or modified in any respect, except by written instruments, recorded in the applicable public recording office if necessary to maintain the lien priority of the Mortgage, and which have been delivered to the Purchaser; the substance of any such waiver, alteration or modification has been approved by the insurer under the Primary Insurance Policy or LPMI Policy, if any, and the title insurer, to the extent required by the related policy, and is reflected on the related Mortgage Loan Schedule. No
instrument of waiver, alteration or modification has been executed, and no Mortgagor has been released, in whole or in part, except in connection with an assumption agreement approved by the insurer under the Primary Insurance Policy or LPMI Policy, if any, the title insurer, to the extent required by the policy, and which assumption agreement has been delivered to the Purchaser and the terms of which are reflected in the related Mortgage Loan Schedule;

 

vi)  No Defenses. The Mortgage Note and the Mortgage are not subject to any right of rescission, set off, counterclaim or defense, including the defense of usury, nor will the operation of any of the terms of the Mortgage Note and/or the Mortgage, or the exercise of any right thereunder, render the Mortgage unenforceable, in whole or in part, or subject to any right of rescission, set off, counterclaim or defense, including the defense of usury and no such right of rescission, set off, counterclaim or defense has been asserted with respect thereto;

 

vii)  Conformance with Underwriting Guidelines and Agency Standards. The Mortgage Loan was underwritten in accordance with the Underwriting Guidelines of the Seller in effect at the time the Mortgage Loan was originated; and the Mortgage Note and Mortgage are on forms acceptable to Fannie Mae and Freddie Mac;

 

viii)  Hazard Insurance. All buildings upon the Mortgaged Property are insured by a Qualified Insurer acceptable to Fannie Mae and Freddie Mac against loss by fire, hazards of extended coverage and such other hazards as are customary in the area where the Mortgaged Property is located, in an amount not less than the lesser of (i) 100% of the replacement cost of all improvements to the Mortgaged Property and (ii) either (A) the outstanding principal balance of the Mortgage Loan with respect to each first lien Mortgage Loan or (B) with respect to each Second Lien Mortgage Loan, the sum of the outstanding principal
balance of the related first lien mortgage loan and the outstanding principal balance of the Second Lien Mortgage Loan; provided, however, in no event shall the amount of insurance be less than the amount necessary to avoid the operation of any co-insurance provisions with respect to the Mortgaged Property. All such insurance policies contain a standard mortgagee clause naming the Seller, its successors and assigns as mortgagee and all premiums thereon have been paid. If the Mortgaged Property is in an area identified on a Flood Hazard Map or Flood Insurance Rate Map issued by the Federal Emergency Management Agency as having special flood hazards (and such flood insurance has been made available) a flood insurance policy meeting the requirements of the current guidelines of the Federal Insurance Administration is in effect which policy conforms to the requirements of Fannie Mae and Freddie Mac. The Mortgage obligates the Mortgagor thereunder to maintain all such insurance at the Mortgagor’s cost
and expense, and on the Mortgagor’s failure to do so, authorizes the holder of the Mortgage to maintain such insurance at Mortgagor’s cost and expense and to seek reimbursement therefor from the Mortgagor;

 

ix)  Compliance with Applicable Laws. Any and all requirements of any federal, state or local law including, without limitation, usury, truth in lending, real estate settlement procedures, consumer credit protection, equal credit opportunity, fair housing, disclosure laws and all predatory, abusive and fair lending laws applicable to the origination and servicing of mortgage loans of a type similar to the Mortgage Loans have been complied with and the consummation of the transactions contemplated hereby will not involve the violation of any such laws, and the Seller shall maintain in its possession, available for the
inspection of the Purchaser or its designee, and shall deliver to the Purchaser or its designee, upon two Business Days’ request, evidence of compliance with such requirements;

 

x)  No Satisfaction of Mortgage. Subject to representation and warranty (xi) below, the Mortgage has not been satisfied, cancelled, subordinated or rescinded, in whole or in part, and the Mortgaged Property has not been released from the lien of the Mortgage, in whole or in part, nor has any instrument been executed that would effect any such satisfaction, cancellation, subordination, rescission or release;

 

xi)  Valid Lien. The related Mortgage is properly recorded and is a valid, existing and enforceable (A) first lien and first priority security interest with respect to each Mortgage Loan which is indicated by the Seller to be a First Lien (as reflected on the Mortgage Loan Schedule), or (B) second lien and second priority security interest with respect to each Mortgage Loan which is indicated by the Seller to be a Second Lien (as reflected on the Mortgage Loan Schedule), in either case, on the Mortgaged Property, including all improvements on the Mortgaged Property subject only to (a) the lien of current real
property taxes and assessments not yet due and payable, (b) covenants, conditions and restrictions, rights of way, easements and other matters of the public record as of the date of recording being acceptable to mortgage lending institutions generally and specifically referred to in the lender’s title insurance policy delivered to the originator of the Mortgage Loan and which do not adversely affect the Appraised Value of the Mortgaged Property, (c) other matters to which like properties are commonly subject which do not materially interfere with the benefits of the security intended to be provided by the Mortgage or the use, enjoyment, value or marketability of the related Mortgaged Property and (d) with respect to each Mortgage Loan which is indicated by the Seller to be a Second Lien Mortgage Loan (as reflected on the Mortgage Loan Schedule) a First Lien on the Mortgaged Property. Any security agreement, chattel mortgage or equivalent document related to and delivered in connection with the
Mortgage Loan establishes and creates a valid, existing and enforceable (A) first lien and first priority security interest with respect to each Mortgage Loan which is indicated by the Seller to be a First Lien (as reflected on the Mortgage Loan Schedule) or (B) second lien and second priority security interest with respect to each Mortgage Loan which is indicated by the Seller to be a Second Lien Mortgage Loan (as reflected on the Mortgage Loan Schedule), in either case, on the property described therein and the Seller has full right to sell and assign the same to the Purchaser. The Mortgaged Property was not, as of the date of origination of the Mortgage Loan, subject to a mortgage, deed of trust, deed to secure debt or other security instrument creating a lien subordinate to the lien of the Mortgage;

 

xii)  Validity of Mortgage Loan Documents. The Mortgage Note and the related Mortgage are genuine and each is the legal, valid and binding obligation of the maker thereof, enforceable in accordance with its terms;

 

xiii)  Legal Capacity. All parties to the Mortgage Note and the Mortgage had legal capacity to enter into the Mortgage Loan and to execute and deliver the Mortgage Note and the Mortgage, and the Mortgage Note and the Mortgage have been duly and properly executed by such parties. The Mortgagor is a natural person;

 

xiv)  Full Disbursement of Proceeds. Except with respect to de minimis completion escrows, the proceeds of the Mortgage Loan have been fully disbursed to or for the account of the Mortgagor and there is no obligation for the Mortgagee to advance additional funds thereunder and any and all requirements as to completion of any on-site or off-site improvement and as to disbursements of any escrow funds therefor have been complied with. All costs, fees and expenses incurred in making or closing the Mortgage Loan and the recording of the Mortgage have been paid, and the Mortgagor is not entitled to any refund of any
amounts paid or due to the Mortgagee pursuant to the Mortgage Note or Mortgage;

 

xv)  Ownership. The Seller is the sole legal, beneficial and equitable owner of the Mortgage Note and the Mortgage. The Seller has full right and authority under all governmental and regulatory bodies having jurisdiction over such Seller, subject to no interest or participation of, or agreement with, any party, to transfer and sell the Mortgage Loan to the Purchaser pursuant to this Agreement free and clear of any encumbrance or right of others, equity, lien, pledge, charge, mortgage, claim, participation interest or security interest of any nature (collectively, a “Lien”); and immediately upon the
transfers and assignments herein contemplated, the Seller shall have transferred and sold all of its right, title and interest in and to each Mortgage Loan and the Purchaser will hold good, marketable and indefeasible title to, and be the owner of, each Mortgage Loan subject to no Lien;

 

xvi)  Doing Business. All parties which have had any interest in the Mortgage Loan, whether as originator, mortgagee, assignee, pledgee or otherwise, are (or, during the period in which they held and disposed of such interest, were): (A) organized under the laws of such state, or (B) qualified to do business in such state, or (C) federal savings and loan associations or national banks having principal offices in such state, or (D) not doing business in such state so as to require qualification or licensing, or (E) not otherwise required to be licensed in such state. All parties which have had any interest in the
Mortgage Loan were in compliance with any and all applicable “doing business” and licensing requirements of the laws of the state wherein the Mortgaged Property is located or were not required to be licensed in such state;

 

xvii)  Title Insurance. The Mortgage Loan is covered by an American Land Title Association (“ALTA”) ALTA lender’s title insurance policy acceptable to Fannie Mae and Freddie Mac (which, in the case of an Adjustable Rate Mortgage Loan has an adjustable rate mortgage endorsement in the form of ALTA 6.0 or 6.1), issued by a title insurer acceptable to Fannie Mae and Freddie Mac and qualified to do business in the jurisdiction where the Mortgaged Property is located, insuring (subject to the exceptions contained above in (xi)(a) and (b) and, with respect to each Mortgage Loan which is indicated by the
Seller to be a Second Lien Mortgage Loan (as reflected on the Mortgage Loan Schedule) clause (d)) the Seller, its successors and assigns as to the first priority lien of the Mortgage in the original principal amount of the Mortgage Loan and, with respect to any Adjustable Rate Mortgage Loan, against any loss by reason of the invalidity or unenforceability of the lien resulting from the provisions of the Mortgage providing for adjustment in the Mortgage Interest Rate and Monthly Payment. Additionally, such lender’s title insurance policy affirmatively insures ingress and egress to and from the Mortgaged Property, and against encroachments by or upon the Mortgaged Property or any interest therein. The Seller is the sole insured of such lender’s title insurance policy, and such lender’s title insurance policy is in full force and effect and will be in full force and effect upon the consummation of the transactions contemplated by this Agreement. No claims have been made under such
lender’s title insurance policy, and no prior holder of the related Mortgage, including the Seller, has done, by act or omission, anything which would impair the coverage of such lender’s title insurance policy;

 

xviii)  No Defaults. There is no default, breach, violation or event of acceleration existing under the Mortgage or the Mortgage Note and no event which, with the passage of time or with notice and the expiration of any grace or cure period, would constitute a default, breach, violation or event of acceleration, and the Seller has not waived any default, breach, violation or event of acceleration. With respect to each Mortgage Loan which is indicated by the Seller to be a Second Lien Mortgage Loan (as reflected on the Mortgage Loan Schedule) (i) the First Lien is in full force and effect, (ii) there is no default,
breach, violation or event of acceleration existing under such First Lien mortgage or the related mortgage note, (iii) no event which, with the passage of time or with notice and the expiration of any grace or cure period, would constitute a default, breach, violation or event of acceleration thereunder, and either (A) the First Lien mortgage contains a provision which allows or (B) applicable law requires, the mortgagee under the Second Lien Mortgage Loan to receive notice of, and affords such mortgagee an opportunity to cure any default by payment in full or otherwise under the First Lien mortgage;

 

xix)  No Mechanics’ Liens. There are no mechanics’ or similar liens or claims which have been filed for work, labor or material (and no rights are outstanding that under law could give rise to such lien) affecting the related Mortgaged Property which are or may be liens prior to, or equal or coordinate with, the lien of the related Mortgage;

 

xx)  Origination. The Mortgage Loan was originated by the Seller or by a savings and loan association, a savings bank, a commercial bank or similar banking institution which is supervised and examined by a federal or state authority, or by a mortgagee approved as such by the Secretary of HUD;

 

xxi)  Payment Terms. Payments on the Mortgage Loan shall commence (with respect to any newly originated Mortgage Loans) or commenced no more than sixty days after the proceeds of the Mortgage Loan were disbursed. The Mortgage Loan bears interest at the Mortgage Interest Rate. With respect to each Mortgage Loan, the Mortgage Note is payable on the first day of each month in Monthly Payments, which, (A) in the case of a Fixed Rate Mortgage Loan, are sufficient to fully amortize the original principal balance over the original term thereof (other than with respect to a Mortgage Loan identified on the related Mortgage
Loan Schedule as an interest-only Mortgage Loan during the interest-only period or a Mortgage Loan which is identified on the related Mortgage Loan Schedule as a Balloon Mortgage Loan) and to pay interest at the related Mortgage Interest Rate, and (B) in the case of an Adjustable Rate Mortgage Loan, are changed on each Adjustment Date, and in any case, are sufficient to fully amortize the original principal balance over the original term thereof (other than with respect to a Mortgage Loan identified on the related Mortgage Loan Schedule as an interest-only Mortgage Loan during the interest-only period or a Mortgage Loan which is identified on the related Mortgage Loan Schedule as a Balloon Mortgage Loan) and to pay interest at the related Mortgage Interest Rate. The Index for each Adjustable Rate Mortgage Loan is as defined in the related Mortgage Loan Schedule. With respect to each Mortgage Loan identified on the Mortgage Loan Schedule as an interest-only Mortgage Loan, the interest-only period shall
not exceed the period specified on the Mortgage Loan Schedule and following the expiration of such interest-only period, the remaining Monthly Payments shall be sufficient to fully amortize the original principal balance over the remaining term of the Mortgage Loan. With respect to each Balloon Mortgage Loan, the Mortgage Note requires a monthly payment which is sufficient to fully amortize the original principal balance over the original term thereof and to pay interest at the related Mortgage Interest Rate and requires a final Monthly Payment substantially greater than the preceding monthly payment which is sufficient to repay the remaining unpaid principal balance of the Balloon Mortgage Loan as of the Due Date of such Monthly Payment. No Balloon Mortgage Loan has an original stated maturity of less than seven (7) years. The Mortgage Note does not permit negative amortization. No Mortgage Loan had an original term to maturity of more than thirty (30) years;

 

xxii)  Origination and Collection Practices; Escrow Deposits. The origination, servicing and collection practices used by the Seller with respect to each Mortgage Note and Mortgage, including without limitation the establishment, maintenance and servicing of the Escrow Accounts and Escrow Payments, if any, since origination have been in all respects legal, proper, prudent and customary in the mortgage origination and servicing industry. The Mortgage Loan has been serviced by the Seller and any predecessor servicer in accordance with all applicable laws, rules and regulations, the terms of the Mortgage Note and
Mortgage, and the Fannie Mae and Freddie Mac servicing guides. With respect to escrow deposits and Escrow Payments (other than with respect to each Mortgage Loan which is indicated by the Seller to be a Second Lien Mortgage Loan and for which the mortgagee under the First Lien is collecting Escrow Payments (as reflected on the Mortgage Loan Schedule)), if any, all such payments are in the possession of, or under the control of, the Seller and there exist no deficiencies in connection therewith for which customary arrangements for repayment thereof have not been made. No escrow deposits or Escrow Payments or other charges or payments due the Seller have been capitalized under any Mortgage or the related Mortgage Note and, except with respect to de minimis completion escrows, no such escrow deposits or Escrow Payments are being held by the Seller for any work on a Mortgaged Property which has not been completed;

 

xxiii)  Mortgaged Property Undamaged. The Mortgaged Property is free of damage and waste and is in good repair, and there is no proceeding pending or, to the best of Seller’s knowledge, threatened for the total or partial condemnation thereof nor is such a proceeding currently occurring;

 

xxiv)  Customary Provisions. The Mortgage and related Mortgage Note contain customary and enforceable provisions such as to render the rights and remedies of the holder thereof adequate for the realization against the Mortgaged Property of the benefits of the security provided thereby, including, (a) in the case of a Mortgage designated as a deed of trust, by trustee’s sale, and (b) otherwise by judicial foreclosure. The Mortgaged Property has not been subject to any bankruptcy proceeding or foreclosure proceeding and the Mortgagor has not filed for protection under applicable bankruptcy laws. There is no
homestead or other exemption available to the Mortgagor which would interfere with the right to sell the Mortgaged Property at a trustee’s sale or the right to foreclose the Mortgage; The Mortgagor has not notified the Seller and the Seller has no knowledge of any relief requested or allowed to the Mortgagor under the Servicemembers Civil Relief Act;

 

xxv)  Appraisal. Unless otherwise set forth on the Mortgage Loan Schedule, the Mortgage File contains an appraisal of the related Mortgaged Property which, (a) with respect to First Lien Mortgage Loans, was on appraisal form 1004 or form 2055 with an interior inspection, or (b) with respect to Second Lien Mortgage Loans, was on appraisal form 704, 2065 or 2055 with an exterior only inspection, and (c) with respect to (a) or (b) above, was made and signed, prior to the approval of the Mortgage Loan application, by an appraiser, duly appointed by the Seller, who had no interest, direct or indirect in the Mortgaged
Property or in any loan made on the security thereof, whose compensation is not affected by the approval or disapproval of the Mortgage Loan and who met the minimum qualifications of Fannie Mae and Freddie Mac. Each appraisal of the Mortgage Loan was made in accordance with the relevant provisions of the Financial Institutions Reform, Recovery, and Enforcement Act of 1989;

 

xxvi)  Deeds of Trust. In the event the Mortgage constitutes a deed of trust, a trustee, duly qualified under applicable law to serve as such, has been properly designated and currently so serves and is named in the Mortgage, and no fees or expenses are or will become payable by the Purchaser to the trustee under the deed of trust, except in connection with a trustee’s sale after default by the Mortgagor;

 

xxvii)  Construction or Rehabilitation of Mortgaged Property. No Mortgage Loan was made in connection with (a) the construction or rehabilitation of a Mortgaged Property other than construction-to-permanent mortgage loans which have been converted to “permanent” mortgage loans or (b) facilitating the trade-in or exchange of a Mortgaged Property; 

 

xxviii)   LTV; CLTV. The Loan-to-Value Ratio of any Mortgage Loan at origination was not more than 100% and the CLTV of any Mortgage Loan at origination was not more than 100%; Each Mortgage Loan (other than any Mortgage Loan underwritten pursuant to the Seller’s Subprime Underwriting Guidelines) with an original Loan-to-Value Ratio at origination greater than 80% is and will be subject to a Primary Insurance Policy, issued by a Qualified Insurer, which insures that portion of the Mortgage Loan in excess of the portion of
the Appraised Value of the Mortgaged Property as required by Fannie Mae. All provisions of such Primary Insurance Policy have been and are being complied with, such policy is in full force and effect, and all premiums due thereunder have been paid. Any Mortgage subject to any such Primary Insurance Policy that is not an LPMI Policy obligates the Mortgagor thereunder to maintain such insurance and to pay all premiums and charges in connection therewith and the Mortgage Interest Rate for the Mortgage Loan does not include any such insurance premium. If a Mortgage Loan is identified on the Mortgage Loan Schedule as subject to a Lender Paid Mortgage Insurance Policy, such policy insures that portion of the Mortgage Loan set forth in the LPMI Policy. All provisions of any such LPMI Policy have been and are being complied with, such policy is in full force and effect, and all premiums due thereunder have been paid;

 

xxix)   Occupancy of the Mortgaged Property. The Mortgaged Property is lawfully occupied under applicable law; all inspections, licenses and certificates required to be made or issued with respect to all occupied portions of the Mortgaged Property and, with respect to the use and occupancy of the same, including but not limited to certificates of occupancy and fire underwriting certificates, have been made or obtained from the appropriate authorities. No improvement located on or being part of any Mortgaged Property is in
violation of any applicable zoning and subdivision law, ordinance or regulation;

 

xxx)  No Error, Omission, Fraud etc. No error, omission, misrepresentation, negligence, fraud or similar occurrence with respect to a Mortgage Loan has taken place on the part of any person, including without limitation the Mortgagor, any appraiser, any builder or developer, or any other party involved in the origination of the Mortgage Loan or in the application of any insurance in relation to such Mortgage Loan;

 

xxxi)  Consolidation of Advances; Lien Priority. Any principal advances made to the Mortgagor prior to the Cut-off Date have been consolidated with the outstanding principal amount secured by the Mortgage, and the secured principal amount, as consolidated, bears a single interest rate and single repayment term reflected on the Mortgage Loan Schedule. The lien of the Mortgage securing the consolidated principal amount is expressly insured as having (A) first lien priority with respect to each Mortgage Loan which is indicated by the Seller to be a First Lien (as reflected on the Mortgage Loan Schedule), or (B) second
lien priority with respect to each Mortgage Loan which is indicated by the Seller to be a Second Lien Mortgage Loan (as reflected on the Mortgage Loan Schedule), in either case, by a title insurance policy, an endorsement to the policy insuring the mortgagee’s consolidated interest or by other title evidence acceptable to Fannie Mae and Freddie Mac. The consolidated principal amount does not exceed the original principal amount of the Mortgage Loan;

 

xxxii)   Environmental Matters. The Mortgaged Property is in material compliance with all applicable environmental laws pertaining to environmental hazards including, without limitation, asbestos, and neither the Seller nor, to the Seller’s knowledge, the related Mortgagor, has received any notice of any violation or potential violation of such law;

 

xxxiii)   HOEPA. No Mortgage Loan is (a) subject to the provisions of the Homeownership and Equity Protection Act of 1994 as amended (“HOEPA”), or has an “annual percentage rate” or “total points and fees” payable by the borrower (as each such term is defined under HOEPA) that equal or exceed the applicable thresholds defined under HOEPA (Section 32 of Regulation Z, 12 C.F.R. Section 226.32(a)(1)(i) and (ii)), (b) a “high cost” mortgage loan, “covered” mortgage loan (excluding
home loans defined as “covered home loans” in the New Jersey Home Ownership Security Act of 2002 that were originated between November 26, 2003 and July 7, 2004), “high risk home” mortgage loan, or “predatory” mortgage loan or any other comparable term, no matter how defined under any federal, state or local law, (c) subject to any comparable federal, state or local statutes or regulations, or any other statute or regulation providing for heightened regulatory scrutiny, assignee liability to holders of such mortgage loans or additional legal liability for mortgage loans having high interest rates, points and/or fees, or (d) a High Cost Loan or Covered Loan, as applicable (as such terms are defined in the current Standard & Poor’s LEVELS® Glossary Revised, Appendix E);

 

xxxiv)   Due-On-Sale. Each Mortgage contains an enforceable provision for the acceleration of the payment of the unpaid principal balance of the related Mortgage Loan in the event the related Mortgaged Property is sold or transferred without the prior consent of the mortgagee thereunder;

 

xxxv)  Second Liens. With respect to each Mortgage Loan which is a Second Lien, (i) the related First Lien does not provide for negative amortization, (ii) either no consent for the Mortgage Loan is required by the holder of the First Lien or such consent has been obtained and is contained in the Mortgage File and (iii) such Second Lien is on a Residential Dwelling that is (or will be) the principal residence of the Mortgagor upon origination of the Second Lien; 

 

xxxvi)  Prepayment Charges in Mortgage Loan Documents. The Mortgage Loan Documents with respect to each Mortgage Loan subject to Prepayment Charges specifically authorizes such Prepayment Charges to be collected, such Prepayment Charges are permissible and enforceable in accordance with the terms of the related Mortgage Loan Documents and all applicable federal, state and local laws (except to the extent that the enforceability thereof may be limited by bankruptcy, insolvency, moratorium, receivership and other similar laws relating to creditors’ rights generally or the collectability thereof may be limited due
to acceleration in connection with a foreclosure) and each Prepayment Charge was originated in compliance with all applicable federal, state and local laws;

 

xxxvii)   Compliance with Patriot Act. The Seller has complied with all applicable anti-money laundering laws and regulations (collectively, the “Anti-Money Laundering Laws”). If required by the Anti-Money Laundering Laws, the Seller has established an anti-money laundering compliance program as required by the Anti-Money Laundering Laws, has conducted the requisite due diligence in connection with the origination of each Mortgage Loan for purposes of the Anti-Money Laundering Laws, including with respect to the
legitimacy of the applicable Mortgagor and the origin of the assets used by the said Mortgagor to purchase the property in question, and maintains, and will maintain, sufficient information to identify the applicable Mortgagor for purposes of the Anti-Money Laundering Laws; no Mortgage Loan is subject to nullification pursuant to Executive Order 13224 (the “Executive Order”) or the regulations promulgated by the Office of Foreign Assets Control of the United States Department of the Treasury (the “OFAC Regulations”) or in violation of the Executive Order or the OFAC Regulations, and no Mortgagor is subject to the provisions of such Executive Order or the OFAC Regulations nor listed as a “blocked person” for purposes of the OFAC Regulations.; 

 

xxxviii)  MERS Mortgage Loans. No Mortgage Loan is a MERS Mortgage Loan;

 

xxxix)  FACT Act. The sale or transfer of the Mortgage Loan by the Seller complies with all applicable federal, state, and local laws, rules, and regulations governing such sale or transfer, including, without limitation, the Fair and Accurate Credit Transactions Act (“FACT Act”) and the Fair Credit Reporting Act, each as may be amended from time to time, and the Seller has not received any actual or constructive notice of any identity theft, fraud, or other misrepresentation in connection with such Mortgage Loan or any party thereto.

 

xl)  Qualified Mortgage. Each Mortgage Loan constitutes a “qualified mortgage” under Section 860G(a)(3)(A) of the Code and Treasury Regulation Section 1.860G-2(a)(1); 

 

xli)  Condos and PUDs. If the Residential Dwelling on the Mortgaged Property is a condominium unit or a unit in a planned unit development (other than a de minimis planned unit development) such condominium or planned unit development project meets the eligibility requirements of the Seller;

 

xlii)  Appraised Value. All improvements which were considered in determining the Appraised Value of the related Mortgaged Property lay wholly within the boundaries and building restriction lines of the Mortgaged Property, and no improvements on adjoining properties encroach upon the Mortgaged Property unless otherwise affirmatively insured under an ALTA lender’s title insurance policy issued in conformance with subsection (xvii) hereof;

 

xliii)  No Additional Collateral. The Mortgage Note is not and has not been secured by any collateral except the lien of the corresponding Mortgage on the Mortgaged Property and the security interest of any applicable security agreement or chattel mortgage referred to in (xi) above;

 

xliv)  Buydown Mortgage Loans. With respect to each Buydown Mortgage Loan:

 

xlv)  (a)On or before the date of origination of such Mortgage Loan, the Seller and the Mortgagor, or the Seller, the Mortgagor and the seller of the Mortgaged Property or a third party entered into a Buydown Agreement. The Buydown Agreement provides that the seller of the Mortgaged Property (or third party) shall deliver to the Seller temporary Buydown Funds in an amount equal to the aggregate undiscounted amount of payments that, when added to the amount the Mortgagor on such Mortgage Loan is obligated to pay on each Due Date in accordance with the terms of the Buydown Agreement, is equal to the full scheduled Monthly
Payment due on such Mortgage Loan. The temporary Buydown Funds enable the Mortgagor to qualify for the Buydown Mortgage Loan for the first two years of the term of such Mortgage Loan at an interest rate of not more than 2.0% less per annum than the Mortgage Interest Rate. The effective interest rate will increase in the seventh month of the Buydown Mortgage Loan so that the effective interest rate will be equal to the interest rate as set forth in the related Mortgage Note.

 

xlvi)  (b)The Mortgage and Mortgage Note reflect the permanent payment terms rather than the payment terms of the Buydown Agreement. The Buydown Agreement provides for the payment by the Mortgagor of the full amount of the Monthly Payment on any Due Date that the Buydown Funds are not available. The Buydown Funds were not used to reduce the original principal balance of the Mortgage Loan or to increase the Appraised Value of the Mortgaged Property when calculating the Loan-to-Value Ratios for purposes of this Agreement and, if the Buydown Funds were provided by the Seller and if required under Agency Guidelines, the terms
of the Buydown Agreement were disclosed to the appraiser of the Mortgaged Property;

 

xlvii)  (c)The Buydown Funds may not be refunded to the Mortgagor unless the Mortgagor makes a principal payment for the outstanding balance of the Mortgage Loan;

 

xlviii)  (d)As of the Cut-off Date, the Buydown Mortgage Loans are 5% or less of the aggregate Stated Principal Balance of the Mortgage Loans; and

 

xlix)   (e)As of the date of origination of the Mortgage Loan, the provisions of the related Buydown Agreement complied with the requirements of Fannie Mae and Freddie Mac regarding buydown agreements; 

 

l)  No Convertible Mortgage Loans; No Graduated Payments or Contingent Interests. No Mortgage Loan is a Convertible Mortgage Loan. The Mortgage Loan is not a graduated payment mortgage loan, and the Mortgage Loan does not have a shared appreciation or other contingent interest feature;

 

li)  Disclosure Materials. The Mortgagor has executed a statement to the effect that the Mortgagor has received all disclosure materials required by applicable law with respect to the making of fixed rate mortgage loans in the case of Fixed Rate Mortgage Loans, and adjustable rate mortgage loans in the case of Adjustable Rate Mortgage Loans and rescission materials with respect to Refinanced Mortgage Loans, and such statement is and will remain in the Mortgage File;

 

lii)  Recordation of Mortgages. Each original Mortgage was recorded, or is in the process of being recorded, and all subsequent assignments of the original Mortgage (other than the assignment to the Purchaser) have been recorded, or are in the process of being recorded, in the appropriate jurisdictions wherein such recordation is necessary to perfect the lien thereof as against creditors of the Seller. With respect to each Mortgage Loan, the Assignment of Mortgage is in recordable form (except for the name of the assignee which is blank) and is acceptable for recording under the laws of the jurisdiction in which the
Mortgaged Property is located;

 

liii)  Texas Refinance Loans. Each Mortgage Loan originated in the state of Texas pursuant to Article XVI, Section 50(a)(6) of the Texas Constitution (a “Texas Refinance Loan”) has been originated in compliance with the provisions of Article XVI, Section 50(a)(6) of the Texas Constitution, Texas Civil Statutes and the Texas Finance Code. With respect to each Texas Refinance Loan that is a Cash Out Refinancing, the related Mortgage Loan Documents state that the Mortgagor may prepay such Texas Refinance Loan in whole or in part without incurring a Prepayment Charge. The Seller does not collect any such
Prepayment Charges in connection with any such Texas Refinance Loan;

 

liv)  Verification of Down Payment. Unless otherwise set forth on the Mortgage Loan Schedule, the source of the down payment with respect to each Mortgage Loan has been fully verified by the Seller;

 

lv)  Tax Service Contracts. The Seller shall, at its own expense, cause each Mortgage Loan to be covered by a “life of loan” Tax Service Contract;

 

lvi)  Flood Zone Service Contracts. Each Mortgage Loan is covered by a “life of loan” Flood Zone Service Contract which is assignable to the Purchaser or its designee at no cost to the Purchaser or its designee or, for each Mortgage Loan not covered by such Flood Zone Service Contract, the Seller agrees to purchase such Flood Zone Service Contract;

 

lvii)  No Cooperatives; No Commercial Property; No Mixed Use Property, No Manufactured Housing. No Mortgage Loan is secured by cooperative housing, commercial property, manufactured housing, a mobile home or mixed use property;

 

lviii)  Secondary Market Sales. Each Mortgage Loan is eligible for sale in the secondary market or for inclusion in a Securitization Transaction without unreasonable credit enhancement as determined by the Purchaser in its sole reasonable discretion;

 

lix)  No Adverse Selection. No selection procedures were used by the Seller that identified the Mortgage Loans as being less desirable or valuable than other comparable mortgage loans in the Seller’s portfolio;

 

lx)  Georgia. No Mortgage Loan originated or modified on or after October 1, 2002 and prior to March 7, 2003 is secured by a Mortgaged Property located in the State of Georgia. No Mortgage Loan originated on or after March 7, 2003 is a “high cost home loan” as defined under the Georgia Fair Lending Act.

 

lxi)  New Jersey Manufactured Housing Loans. No Mortgage Loan is a “manufactured housing loan” pursuant to the NJ Act, and one hundred percent of the amount financed of any purchase money Second Lien Mortgage Loan subject to the NJ Act was used for the purchase of the related Mortgaged Property;

 

lxii)  Reserved;

 

lxiii)  Ground Leases. With respect to each Mortgage Loan that is secured in whole or in part by the interest of the Mortgagor as a lessee under a ground lease of the related Mortgaged Property (a “Ground Lease”) and not by a fee interest in such Mortgaged Property:

 

(a) The Mortgagor is the owner of a valid and subsisting interest as tenant under the Ground Lease;

 

(b) The Ground Lease is in full force and effect, unmodified and not supplemented by any writing or otherwise;

 

(c) The Mortgagor is not in default under any of the terms thereof and there are no circumstances which, with the passage of time or the giving of notice or both, would constitute an event of default thereunder;

 

(d) The lessor under the Ground Lease is not in default under any of the terms or provisions thereof on the part of the lessor to be observed or performed;

 

(e) The term of the Ground Lease exceeds the maturity date of the related Mortgage Loan by at least five years;

 

(f) The Ground Lease or a memorandum thereof has been recorded and by its terms permits the leasehold estate to be mortgaged. The Ground Lease grants any leasehold mortgagee standard protection necessary to protect the security of a leasehold mortgagee;

 

(g) The Ground Lease does not contain any default provisions that could give rise to forfeiture or termination of the Ground Lease except for the non-payment of the Ground Lease rents;

 

(h) The execution, delivery and performance of the Mortgage do not require the consent (other than those consents which have been obtained and are in full force and effect) under, and will not contravene any provision of or cause a default under, the Ground Lease; 

 

(i) The Ground Lease provides that the leasehold can be transferred, mortgaged and sublet an unlimited number of times either without restriction or on payment of a reasonable fee and delivery of reasonable documentation to the lessor;

 

(j) The Mortgagor has not commenced any action or given or received any notice for the purpose of terminating the Ground Lease;

 

(k) No lessor, as debtor in possession or by a trustee for such lessor has give any notice of, and the Mortgagor has not consented to, any attempt to transfer the related Mortgaged Property free and clear of such Ground Lease under section 363(f) of the Bankruptcy Code; and

 

(l) No lessor is subject to any voluntary or involuntary bankruptcy, reorganization or insolvency proceeding and no Mortgaged Property is an asset in any voluntary or involuntary bankruptcy, reorganization or insolvency proceeding.

 

lxiv)  Massachusetts Refinanced Mortgage Loans. No Mortgage Loan secured by a Mortgaged Property located in the Commonwealth of Massachusetts was made to pay off or refinance an existing loan or other debt of the related borrower (as the term “borrower” is defined in the regulations promulgated by the Massachusetts Secretary of State in connection with Massachusetts House Bill 4880 (2004)) unless either (1) (a) the related Mortgage Interest Rate (that would be effective once the introductory rate expires, with respect to Adjustable Rate Mortgage Loans) did or would not exceed by more than 2.25% the yield on
United States Treasury securities having comparable periods of maturity to the maturity of the related Mortgage Loan as of the fifteenth day of the month immediately preceding the month in which the application for the extension of credit was received by the related lender or (b) the Mortgage Loan is an “open-end home loan” (as such term is used in the Massachusetts House Bill 4880 (2004)) and the related Mortgage Note provides that the related Mortgage Interest Rate may not exceed at any time the Prime rate index as published in The Wall Street Journal plus a margin of one percent, or (2) such Mortgage Loan is in the "borrower's interest," as documented by a "borrower's interest worksheet" for the particular Mortgage Loan, which worksheet incorporates the factors set forth in Massachusetts House Bill 4880 (2004) and the regulations promulgated thereunder for determining "borrower's interest," and otherwise complies in all material respects with the laws of the Commonwealth of
Massachusetts;

 

lxv)  Broker Fees. The Mortgagor has not made or caused to be made any payment in the nature of an “average” or “yield spread premium” to a mortgage broker or a like Person which has not been fully disclosed to the Mortgagor;

 

lxvi)  Acceptable Investment. The Seller has no knowledge of any circumstances or condition with respect to the Mortgage, the Mortgaged Property, the Mortgagor or the Mortgagor’s credit standing that can reasonably be expected to cause the Mortgage Loan to be an unacceptable investment, cause the Mortgage Loan to become delinquent, cause the Mortgage Loan to not be paid in full when due, or adversely affect the value of the Mortgage Loan;

 

lxvii)  No Notification of Prepayments in Full. The Mortgage Loan was not prepaid in full prior to the Closing Date and the Seller has not received notification from a Mortgagor that a prepayment in full shall be made after the Closing Date;

 

lxviii)  Prepayment Charges. With respect to any Mortgage Loan that contains a provision permitting imposition of a Prepayment Charge upon a Principal Prepayment prior to maturity: (i) prior to the Mortgage Loan’s origination, the Mortgagor agreed to such Prepayment Charge in exchange for a monetary benefit, including but not limited to a Mortgage Interest Rate or fee reduction, (ii) prior to the Mortgage Loan’s origination, the Mortgagor was offered the option of obtaining a Mortgage Loan that did not require payment of a Prepayment Charge and the originator of the Mortgage Loan had a written policy of
offering borrowers, or requiring third-party brokers to offer borrowers, the option of obtaining a mortgage loan that did not require the payment of a Prepayment Charge, (iii) the Prepayment Charge is disclosed to the Mortgagor in the Mortgage Loan Documents pursuant to state and federal law applicable to the Mortgage Loan, (iv) for Mortgage Loans originated on or after October 1, 2002, the duration of the prepayment period shall not exceed three (3) years from the date of the Mortgage Note, unless the Mortgage Loan was modified to reduce the prepayment period to no more than three years from the date of the Mortgage Note and the Mortgagor was notified in writing of such reduction in the prepayment period, (v) no Mortgage Loan originated prior to October 1, 2002 has a Prepayment Charge longer than five years and (vi) notwithstanding any state or federal law to the contrary, the Seller shall not impose such Prepayment Charge in any instance when the Mortgage Loan is accelerated or paid off in
connection with the workout of a delinquent mortgage or due to the Mortgagor’s default. Each Prepayment Charge is permissible, collectable and enforceable.

 

lxix)  No Predatory Lending. No predatory, abusive or deceptive lending practices, including but not limited to, the extension of credit to a Mortgagor without regard for the Mortgagor’s ability to repay the Mortgage Loan and the extension of credit to a Mortgagor which has no tangible net benefit to the Mortgagor, were employed in connection with the origination of the Mortgage Loan. Each Mortgage Loan is in compliance with the anti-predatory lending eligibility for purchase requirements of Fannie Mae’s Selling Guide. No Mortgagor was encouraged or required to select a Mortgage Loan product offered by the
Mortgage Loan’s originator which is a higher cost product designed for less creditworthy borrowers, unless at the time of the Mortgage Loan’s origination, such Mortgagor did not qualify taking into account credit history and debt to income ratios for a lower cost credit product then offered by the Mortgage Loan’s originator or any affiliate of the Mortgage Loan’s originator. If, at the time of the related loan application, the Mortgagor may have qualified for a lower cost credit product then offered by any mortgage lending affiliate of the Mortgage Loan’s originator, the Mortgage Loan’s originator referred the Mortgagor’s application to such affiliate for underwriting consideration; 

 

lxx)  Underwriting Methodology. The methodology used in underwriting the extension of credit for each Mortgage Loan employs objective mathematical principles which relate the Mortgagor’s income, credit history, assets and liabilities to the proposed payment and such underwriting methodology did and does not rely on the extent of the Mortgagor’s equity in the collateral as the principal determining factor in approving such credit extension. Such underwriting methodology confirmed that at the time of origination (application/approval) the Mortgagor had a reasonable ability to make timely payments on the
Mortgage Loan. 

 

lxxi)  Points and Fees Disclosed. All points and fees related to each Mortgage Loan were disclosed in writing to the related Borrower in accordance with applicable state and federal laws and regulations. No Borrower was charged “points and fees” (whether or not financed) in an amount greater than (a) $1,000 or (b) 5% of the principal amount of such Mortgage Loan, whichever is greater, such 5% limitation is calculated in accordance with Fannie Mae’s anti-predatory lending requirements as set forth in the Fannie Mae Guides. For purposes of this representation, “points and fees” (x) include
origination, underwriting, broker and finder’s fees and charges that the lender imposed as a condition of making the Mortgage Loan, whether they are paid to the lender or a third party, and (y) exclude bona fide discount points, fees paid for actual services rendered in connection with the origination of the mortgage (such as attorneys’ fees, notaries fees and fees paid for property appraisals, credit reports, surveys, title examinations and extracts, flood and tax certifications, and home inspections); the cost of mortgage insurance or credit-risk price adjustments; the costs of title, hazard, and flood insurance policies; state and local transfer taxes or fees; escrow deposits for the future payment of taxes and insurance premiums; and other miscellaneous fees and charges that, in total, do not exceed 0.25 percent of the loan amount. All fees and charges (including finance charges), whether or not financed, assessed, collected or to be collected in connection with the origination and
servicing of each Mortgage Loan were disclosed in writing to the related Mortgagor in accordance with applicable state and federal laws and regulations; 

 

lxxii)  Full File Credit Reporting (Fannie Mae). The Seller will transmit full-file credit reporting data for each Mortgage Loan pursuant to Fannie Mae Guide Announcement 95-19 and for each Mortgage Loan, Seller agrees it shall report one of the following statuses each month as follows: new origination, current, delinquent (30-, 60-, 90-days, etc.), foreclosed, or charged-off;

 

lxxiii)  No Credit Life Policies. No Mortgagor was required to purchase any single premium credit insurance policy (e.g. life, mortgage, disability, accident, unemployment, property or health insurance product) or debt cancellation agreement as a condition of obtaining the extension of credit. No Mortgagor obtained a prepaid single premium credit insurance policy (e.g. life, mortgage, disability, accident, unemployment, property or health insurance product) in connection with the origination of the Mortgage Loan, and no proceeds from any Mortgage Loan were used to purchase single-premium credit insurance policies or
debt cancellation agreements as part of the origination of, or as a condition to closing, such Mortgage Loan; 

 

lxxiv)  Full File Credit Reporting (Past Practice; Future Practice). The Seller and any predecessor servicer has fully furnished, in accordance with the Fair Credit Reporting Act and its implementing regulations, accurate and complete information (e.g., favorable and unfavorable) on its borrower credit files to Equifax, Experian and Trans Union Credit Information Company (three of the credit repositories) on a monthly basis; and the Seller will fully furnish, in accordance with the Fair Credit Reporting Act and its implementing regulations, accurate and complete information (e.g., favorable and unfavorable) on its
borrower credit files to Equifax, Experian and Trans Credit Information Company (three of the credit repositories), on a monthly basis; and

 

lxxv)  No Arbitration. With respect to each Mortgage Loan, neither the related Mortgage nor the related Mortgage Note requires the Mortgagor to submit to arbitration to resolve any dispute arising out of or relating in any way to the Mortgage Loan; No Mortgagor agreed to submit to arbitration to resolve any dispute arising out of or relating in any way to the Mortgage Loan.

 

EXHIBIT G

 

Representation and Warranties with Respect to the Wells Fargo Mortgage Loans 

Except for “Mortgage Loans”, which shall mean the Wells Fargo Loans sold by the Seller to the Purchaser, all capitalized terms in this Exhibit G shall have the meanings ascribed to them in the Wells Fargo Purchase Agreement.

As to each Mortgage Loan, the Seller hereby represents and warrants to the Purchaser that as of the Closing Date:

 

	(i)  	
Mortgage Loans as Described.

The information set forth in the respective Mortgage Loan Schedule and the information contained on the Data File, delivered to the Purchaser is true and correct;

(ii) Payments Current.

All payments required to be made up to the related Cut-off Date for the Mortgage Loan under the terms of the Mortgage Note have been made and credited. No payment under any Mortgage Loan has been 30 days delinquent more than one time within twelve (12) months prior to the related Closing Date;

(iii) No Outstanding Charges.

There are no defaults in complying with the terms of the Mortgages, and all taxes, governmental assessments, insurance premiums, leasehold payments, water, sewer and municipal charges, which previously became due and owing have been paid, or an escrow of funds has been established in an amount sufficient to pay for every such item which remains unpaid and which has been assessed but is not yet due and payable. The Seller has not advanced funds, or induced, or solicited directly or indirectly, the payment of any amount required under the Mortgage Loan, except for interest accruing from the date of the Mortgage Note or date of disbursement of the Mortgage Loan proceeds, whichever is later, to the day which precedes by one month the Due Date of the first installment of principal and interest;

(iv) Original Terms Unmodified.

The terms of the Mortgage Note and Mortgage have not been impaired, waived, altered or modified in any respect, except by a written instrument which has been recorded or registered with the MERS System, if necessary, to protect the interests of the Purchaser and which has been delivered to the Custodian. The substance of any such waiver, alteration or modification has been approved by the issuer of any related PMI Policy and the title insurer, to the extent required by the policy, and its terms are reflected on the related Mortgage Loan Schedule. No Mortgagor has been released, in whole or in part, except in connection with an assumption agreement approved by the issuer of any related PMI Policy and the title insurer, to the extent required by the policy, and which assumption agreement is part of the Mortgage
File delivered to the Custodian and the terms of which are reflected in the related Mortgage Loan Schedule;

(v) No Defenses.

The Mortgage Loan is not subject to any right of rescission, set-off, counterclaim or defense, including without limitation the defense of usury, nor will the operation of any of the terms of the Mortgage Note or the Mortgage, or the exercise of any right thereunder, render either the Mortgage Note or the Mortgage unenforceable, in whole or in part, or subject to any right of rescission, set-off, counterclaim or defense, including without limitation the defense of usury, and no such right of rescission, set-off, counterclaim or defense has been asserted with respect thereto;

(vi) No Satisfaction of Mortgage.

The Mortgage has not been satisfied, canceled, subordinated or rescinded, in whole or in part, and the Mortgaged Property has not been released from the lien of the Mortgage, in whole or in part, nor has any instrument been executed that would effect any such satisfaction, release, cancellation, subordination or rescission;

(vii) Validity of Mortgage Documents.

The Mortgage Note and the Mortgage and related documents are genuine, and each is the legal, valid and binding obligation of the maker thereof enforceable in accordance with its terms. All parties to the Mortgage Note and the Mortgage had legal capacity to enter into the Mortgage Loan and to execute and deliver the Mortgage Note and the Mortgage, and the Mortgage Note and the Mortgage have been duly and properly executed by such parties.

With respect to each Cooperative Loan, the Mortgage Note, the Mortgage, the Pledge Agreement, and related documents are genuine, and each is the legal, valid and binding obligation of the maker thereof enforceable in accordance with its terms. All parties to the Mortgage Note, the Mortgage, the Pledge Agreement, the Proprietary Lease, the Stock Power, Recognition Agreement and the Assignment of Proprietary Lease had legal capacity to enter into the Mortgage Loan and to execute and deliver such documents, and such documents have been duly and properly executed by such parties;

(viii) No Fraud.

No error, omission, misrepresentation, negligence, fraud or similar occurrence with respect to a Mortgage Loan has taken place on the part of the Seller, or the Mortgagor, or to the best of the Seller’s knowledge, any appraiser, any builder, or any developer, or any other party involved in the origination of the Mortgage Loan or in the application of any insurance in relation to such Mortgage Loan;

(ix) Compliance with Applicable Laws.

Any and all requirements of any federal, state or local law including, without limitation, usury, truth-in-lending, real estate settlement procedures, consumer credit protection, equal credit opportunity, disclosure or predatory and abusive lending laws applicable to the Mortgage Loan have been complied with. All inspections, licenses and certificates required to be made or issued with respect to all occupied portions of the Mortgaged Property and, with respect to the use and occupancy of the same, including, but not limited to, certificates of occupancy and fire underwriting certificates, have been made or obtained from the appropriate authorities;

(x) Location and Type of Mortgaged Property.

The Mortgaged Property is located in the state identified in the related Mortgage Loan Schedule and consists of a contiguous parcel of real property with a detached single family residence erected thereon, or a two- to four-family dwelling, or an individual condominium unit in a condominium project, or an individual unit in a planned unit development, or a townhouse, or a cooperative, provided, however, that any condominium project or planned unit development shall conform with the applicable Fannie Mae or Freddie Mac requirements, or the Underwriting Guidelines, regarding such dwellings, and no residence or dwelling is a mobile home. As of the respective appraisal date for each Mortgaged Property, any Mortgaged Property being used for commercial purposes conforms to the Underwriting Guidelines and, to the
best of the Seller’s knowledge, since the date of such appraisal, no portion of the Mortgaged Property has been used for commercial purposes outside of the Underwriting Guidelines;

(xi) Valid First Lien.

The Mortgage is a valid, subsisting and enforceable first lien on the Mortgaged Property, including all buildings on the Mortgaged Property and all installations and mechanical, electrical, plumbing, heating and air conditioning systems located in or annexed to such buildings, and all additions, alterations and replacements made at any time with respect to the foregoing. The lien of the Mortgage is subject only to:

(1) the lien of current real property taxes and assessments not yet due and payable;

(2) covenants, conditions and restrictions, rights of way, easements and other matters of the public record as of the date of recording acceptable to mortgage lending institutions generally and specifically referred to in the lender's title insurance policy delivered to the originator of the Mortgage Loan and (i) referred to or otherwise considered in the appraisal made for the originator of the Mortgage Loan and (ii) which do not adversely affect the Appraised Value of the Mortgaged Property set forth in such appraisal; and

(3) other matters to which like properties are commonly subject which do not materially interfere with the benefits of the security intended to be provided by the mortgage or the use, enjoyment, value or marketability of the related Mortgaged Property.

Any security agreement, chattel mortgage or equivalent document related to and delivered in connection with the Mortgage Loan establishes and creates a valid, subsisting and enforceable first lien and first priority security interest on the property described therein and the Seller has full right to sell and assign the same to the Purchaser.

With respect to each Cooperative Loan, each Pledge Agreement creates a valid, enforceable and subsisting first security interest in the Cooperative Shares and Proprietary Lease, subject only to (i) the lien of the related Cooperative for unpaid assessments representing the Mortgagor’s pro rata share of the Cooperative’s payments for its blanket mortgage, current and future real property taxes, insurance premiums, maintenance fees and other assessments to which like collateral is commonly subject and (ii) other matters to which like collateral is commonly subject which do not materially interfere with the benefits of the security intended to be provided by the Pledge Agreement; provided, however, that the appurtenant Proprietary Lease may be subordinated or otherwise subject to the lien of any
mortgage on the Project; 

(xii) Full Disbursement of Proceeds.

The proceeds of the Mortgage Loan have been fully disbursed, except for escrows established or created due to seasonal weather conditions, and there is no requirement for future advances thereunder. All costs, fees and expenses incurred in making or closing the Mortgage Loan and the recording of the Mortgage were paid, and the Mortgagor is not entitled to any refund of any amounts paid or due under the Mortgage Note or Mortgage;

(xiii) Consolidation of Future Advances.

Any future advances made prior to the related Cut-off Date, have been consolidated with the outstanding principal amount secured by the Mortgage, and the secured principal amount, as consolidated, bears a single interest rate and single repayment term reflected on the related Mortgage Loan Schedule. The lien of the Mortgage securing the consolidated principal amount is expressly insured as having first lien priority by a title insurance policy, an endorsement to the policy insuring the mortgagee’s consolidated interest or by other title evidence acceptable to Fannie Mae or Freddie Mac; the consolidated principal amount does not exceed the original principal amount of the Mortgage Loan; the Seller shall not make future advances after the related Cut-off Date;

(xiv) Ownership.

The Seller is the sole owner of record and holder of the Mortgage Loans and the related Mortgage Note and the Mortgage are not assigned or pledged, and the Seller has good and marketable title thereto and has full right and authority to transfer and sell the Mortgage Loan to the Purchaser. The Seller is transferring the Mortgage Loan free and clear of any and all encumbrances, liens, pledges, equities, participation interests, claims, charges or security interests of any nature encumbering such Mortgage Loan;

(xv) Origination/Doing Business.

The Mortgage Loan was originated by a savings and loan association, a savings bank, a commercial bank, a credit union, an insurance company, or similar institution that is supervised and examined by a federal or state authority or by a mortgagee approved by the Secretary of Housing and Urban Development pursuant to Sections 203 and 211 of the National Housing Act. All parties which have had any interest in the Mortgage Loan, whether as mortgagee, assignee, pledgee or otherwise, are (or, during the period in which they held and disposed of such interest, were) (1) in compliance with any and all applicable licensing requirements of the laws of the state wherein the Mortgaged Property is located, and (2) organized under the laws of such state, or (3) qualified to do business in such state, or (4) federal savings
and loan associations or national banks having principal offices in such state, or (5) not doing business in such state;

(xvi) LTV, PMI Policy.

Each Mortgage Loan has an LTV as specified on the related Mortgage Loan Schedule. Except for Pledged Asset Mortgage Loans, if the LTV of the Mortgage Loan was greater than 80% at the time of origination, a portion of the unpaid principal balance of the Mortgage Loan is and will be insured as to payment defaults by a PMI Policy. If the Mortgage Loan is insured by a PMI Policy for which the Mortgagor pays all premiums, the coverage will remain in place until (i) the LTV decreases to 78% or (ii) the PMI Policy is otherwise terminated pursuant to the Homeowners Protection Act of 1998, 12 USC §4901, et seq. All provisions of such PMI Policy or LPMI Policy have been and are being complied with, such policy is in full force and effect, and all premiums due thereunder have been paid. The Qualified Insurer has a
claims paying ability acceptable to Fannie Mae or Freddie Mac. Any Mortgage Loan subject to a PMI Policy or LPMI Policy obligates the Mortgagor or the Seller to maintain the PMI Policy or LPMI Policy and to pay all premiums and charges in connection therewith. The Mortgage Interest Rate for the Mortgage Loan as set forth on the related Mortgage Loan Schedule is net of any such insurance premium; 

 

(xvii) Title Insurance.

 

The Mortgage Loan is covered by an ALTA lender's title insurance policy (or in the case of any Mortgage Loan secured by a Mortgaged Property located in a jurisdiction where such policies are generally not available, an opinion of counsel of the type customarily rendered in such jurisdiction in lieu of title insurance) or other generally acceptable form of policy of insurance acceptable to Fannie Mae or Freddie Mac, issued by a title insurer acceptable to Fannie Mae or Freddie Mac and qualified to do business in the jurisdiction where the Mortgaged Property is located, insuring the Seller, its successors and assigns, as to the first priority lien of the Mortgage in the original principal amount of the Mortgage Loan, subject only to the exceptions contained in clauses (1), (2) and (3) of subsection (xi) of this
Section 6(b), and against any loss by reason of the invalidity or unenforceability of the lien resulting from the provisions of the Mortgage providing for adjustment to the Mortgage Interest Rate and Monthly Payment. Additionally, such lender’s title insurance policy includes no exceptions regarding ingress, egress or encroachments that impact the value or the marketability of the Mortgaged Property. The Seller is the sole insured of such lender's title insurance policy, and such lender's title insurance policy is in full force and effect and will be in force and effect upon the consummation of the transactions contemplated by this Agreement. No claims have been made under such lender's title insurance policy, and no prior holder of the Mortgage, including the Seller, has done, by act or omission, anything which would impair the coverage of such lender's title insurance policy;

(xviii) No Defaults.

There is no default, breach, violation or event of acceleration existing under the Mortgage or the Mortgage Note and no event which, with the passage of time or with notice and the expiration of any grace or cure period, would constitute a default, breach, violation or event of acceleration, and neither the Seller nor its predecessors have waived any default, breach, violation or event of acceleration; 

(xix) No Mechanics' Liens.

There are no mechanics' or similar liens or claims which have been filed for work, labor or material (and no rights are outstanding that under the law could give rise to such liens) affecting the related Mortgaged Property which are or may be liens prior to, or equal or coordinate with, the lien of the related Mortgage which are not insured against by the title insurance policy referenced in Paragraph (q) above;

(xx) Location of Improvements; No Encroachments.

Except as insured against by the title insurance policy referenced in subsection (xvii) above, all improvements which were considered in determining the Appraised Value of the Mortgaged Property lay wholly within the boundaries and building restriction lines of the Mortgaged Property and no improvements on adjoining properties encroach upon the Mortgaged Property. No improvement located on or being part of the Mortgaged Property is in violation of any applicable zoning law or regulation;

(xxi) Payment Terms.

Except with respect to the Interest Only Mortgage Loans, principal payments commenced no more than 60 days after the funds were disbursed to the Mortgagor in connection with the Mortgage Loan. The Mortgage Loans have an original term to maturity of not more than 30 years, with interest payable in arrears on the first day of each month. As to each adjustable rate Mortgage Loan on each applicable Adjustment Date, the Mortgage Interest Rate will be adjusted to equal the sum of the Index plus the applicable Gross Margin, rounded up or down to the nearest multiple of 0.125% indicated by the Mortgage Note; provided that the Mortgage Interest Rate will not increase or decrease by more than the Periodic Interest Rate Cap on any Adjustment Date, and will in no event exceed the maximum Mortgage Interest Rate or be lower
than the minimum Mortgage Interest Rate listed on the related Mortgage Loan Schedule for such Mortgage Loan. As to each adjustable rate Mortgage Loan that is not an Interest Only Mortgage Loan, each Mortgage Note requires a monthly payment which is sufficient, during the period prior to the first adjustment to the Mortgage Interest Rate, to fully amortize the outstanding principal balance as of the first day of such period over the then remaining term of such Mortgage Note and to pay interest at the related Mortgage Interest Rate. As to each adjustable rate Mortgage Loan, if the related Mortgage Interest Rate changes on an Adjustment Date or, with respect to an Interest Only Mortgage Loan, on an Adjustment Date following the related interest only period, the then outstanding principal balance will be reamortized over the remaining life of such Mortgage Loan. No Mortgage Loan contains terms or provisions which would result in negative amortization; 

(xxii) Customary Provisions.

The Mortgage and related Mortgage Note contain customary and enforceable provisions such as to render the rights and remedies of the holder thereof adequate for the realization against the Mortgaged Property of the benefits of the security provided thereby, including, (1) in the case of a Mortgage designated as a deed of trust, by trustee's sale, and (2) otherwise by judicial foreclosure. There is no homestead or other exemption available to a Mortgagor which would interfere with the right to sell the Mortgaged Property at a trustee's sale or the right to foreclose the Mortgage;

(xxiii) Occupancy of the Mortgaged Property.

As of the date of origination, the Mortgaged Property was in good repair and was lawfully occupied under applicable law;

(xxiv) No Additional Collateral.

Except in the case of a Pledged Asset Mortgage Loan and as indicated on the related Data File, the Mortgage Note is not and has not been secured by any collateral, pledged account or other security except the lien of the corresponding Mortgage and the security interest of any applicable security agreement or chattel mortgage referred to in subsection (xi) above;

(xxv) Deeds of Trust.

In the event the Mortgage constitutes a deed of trust, a trustee, duly qualified under applicable law to serve as such, has been properly designated and currently so serves and is named in the Mortgage, and no fees or expenses are or will become payable by the Mortgagee to the trustee under the deed of trust, except in connection with a trustee's sale after default by the Mortgagor;

(xxvi) Acceptable Investment.

The Seller has no knowledge of any circumstances or conditions with respect to the Mortgage Loan, the Mortgaged Property, the Mortgagor or the Mortgagor's credit standing that can reasonably be expected to cause private institutional investors to regard the Mortgage Loan as an unacceptable investment, cause the Mortgage Loan to become delinquent, or adversely affect the value or marketability of the Mortgage Loan;

(xxvii) Transfer of Mortgage Loans.

If the Mortgage Loan is not a MERS Mortgage Loan, the Assignment of Mortgage, upon the insertion of the name of the assignee and recording information, is in recordable form and is acceptable for recording under the laws of the jurisdiction in which the Mortgaged Property is located;

(xxviii) Mortgaged Property Undamaged.

The Mortgaged Property is undamaged by waste, fire, earthquake or earth movement, windstorm, flood, tornado or other casualty so as to affect adversely the value of the Mortgaged Property as security for the Mortgage Loan or the use for which the premises were intended;

(xxix) Collection Practices; Escrow Deposits.

The origination, servicing and collection practices used with respect to the Mortgage Loan have been in accordance with Accepted Servicing Practices, and have been in all material respects legal and proper. With respect to escrow deposits and Escrow Payments, all such payments are in the possession of the Seller and there exist no deficiencies in connection therewith for which customary arrangements for repayment thereof have not been made. All Escrow Payments have been collected in full compliance with state and federal law. No escrow deposits or Escrow Payments or other charges or payments due the Seller have been capitalized under the Mortgage Note;

(xxx) No Condemnation.

There is no proceeding pending or to the best of the Seller’s knowledge threatened for the total or partial condemnation of the related Mortgaged Property;

(xxxi) The Appraisal.

The Servicing File include an appraisal, with the exception of any Time$aver® Mortgage Loan (which at the original origination were on form 1004 or form 2055 with interior inspections), of the related Mortgaged Property. The appraisal was conducted by an appraiser who had no interest, direct or indirect, in the Mortgaged Property or in any loan made on the security thereof; and whose compensation is not affected by the approval or disapproval of the Mortgage Loan, and the appraisal and the appraiser both satisfy the applicable requirements of Title XI of the Financial Institution Reform, Recovery, and Enforcement Act of 1989 and the regulations promulgated thereunder, all as in effect on the date the Mortgage Loan was originated;

(xxxii) Insurance.

The Mortgaged Property securing each Mortgage Loan is insured by an insurer acceptable to Fannie Mae or Freddie Mac against loss by fire and such hazards as are covered under a standard extended coverage endorsement and such other hazards as are customary in the area where the Mortgaged Property is located pursuant to insurance policies conforming to the requirements of Section 4.10 of the Servicing Agreement, in an amount which is at least equal to the lesser of (1) 100% of the insurable value, on a replacement cost basis, of the improvements on the related Mortgaged Property, or (2) the greater of (x) the outstanding principal balance of the Mortgage Loan or (y) an amount such that the proceeds of such
insurance shall be sufficient to avoid the application to the Mortgagor or loss payee of any coinsurance clause under the policy. If the Mortgaged Property is a condominium unit, it is included under the coverage afforded by a blanket policy for the project. If the improvements on the Mortgaged Property are in an area identified in the Federal Register by the Federal Emergency Management Agency as having special flood hazards, a flood insurance policy meeting the requirements of the current guidelines of the Federal Insurance Administration is in effect with a generally acceptable insurance carrier, in an amount representing coverage not less than the least of (a) the outstanding principal balance of the Mortgage Loan, (b) the full insurable value and (c) the maximum amount of insurance which was available under the Flood Disaster Protection Act of 1973, as amended. All individual insurance policies
contain a standard mortgagee clause naming the Seller and its successors and assigns as mortgagee, and all premiums thereon have been paid. The Mortgage obligates the Mortgagor thereunder to maintain a hazard insurance policy at the Mortgagor's cost and expense, and on the Mortgagor's failure to do so, authorizes the holder of the Mortgage to obtain and maintain such insurance at such Mortgagor's cost and expense, and to seek reimbursement therefor from the Mortgagor. The hazard insurance policy is the valid and binding obligation of the insurer, is in full force and effect, and will be in full force and effect and inure to the benefit of the Purchaser upon the consummation of the transactions contemplated by this Agreement. The Seller has not acted or failed to act so as to impair the coverage of any such insurance policy or the validity, binding effect and enforceability thereof;

(xxxiii)  Servicemembers Civil Relief Act.

The Mortgagor has not notified the Seller, and the Seller has no knowledge of any relief requested or allowed to the Mortgagor under the Servicemembers Civil Relief Act, as amended;

(xxxiv)  No Balloon Payments, Graduated Payments or Contingent Interests.

The Mortgage Loan is not a graduated payment mortgage loan and the Mortgage Loan does not have a shared appreciation or other contingent interest feature. No Mortgage Loan has a balloon payment feature;

(xxxv) No Construction Loans.

No Mortgage Loan was made in connection with (1) the construction or rehabilitation of a Mortgage Property or (2) facilitating the trade-in or exchange of a Mortgaged Property other than a construction-to-permanent loan which has converted to a permanent Mortgage Loan;

(xxxvi) Underwriting.

Each Mortgage Loan was underwritten in accordance with the Underwriting Guidelines of the Seller; and the Mortgage Note and Mortgage are on forms acceptable to Freddie Mac or Fannie Mae;

(xxxvii)  Buydown Mortgage Loans.

With respect to each Mortgage Loan that is a Buydown Mortgage Loan:

	 	
(1)
	
On or before the date of origination of such Mortgage Loan, the Seller and the Mortgagor, or the Seller, the Mortgagor and the seller of the Mortgaged Property or a third party entered into a Buydown Agreement. The Buydown Agreement provides that the seller of the Mortgaged Property (or third party) shall deliver to the Seller temporary Buydown Funds in an amount equal to the aggregate undiscounted amount of payments that, when added to the amount the Mortgagor on such Mortgage Loan is obligated to pay on each Due Date in accordance with the terms of the Buydown Agreement, is equal to the full scheduled Monthly Payment due on such Mortgage Loan. The temporary Buydown Funds enable the Mortgagor to qualify for the Buydown Mortgage Loan. The effective interest rate of a Buydown Mortgage Loan if less than the interest rate set forth in the related
Mortgage Note will increase within the Buydown Period as provided in the related Buydown Agreement so that the effective interest rate will be equal to the interest rate as set forth in the related Mortgage Note. The Buydown Mortgage Loan satisfies the requirements of the Underwriting Guidelines;

	 	
(2)
	
The Mortgage and Mortgage Note reflect the permanent payment terms rather than the payment terms of the Buydown Agreement. The Buydown Agreement provides for the payment by the Mortgagor of the full amount of the Monthly Payment on any Due Date that the Buydown Funds are available. The Buydown Funds were not used to reduce the original principal balance of the Mortgage Loan or to increase the Appraised Value of the Mortgage Property when calculating the Loan-to-Value Ratios for purposes of the Agreement and, if the Buydown Funds were provided by the Seller and if required under Underwriting Guidelines, the terms of the Buydown Agreement were disclosed to the appraiser of the Mortgaged Property;

	 	
(3)
	
The Buydown Funds may not be refunded to the Mortgagor unless the Mortgagor makes a principal payment for the outstanding balance of the Mortgage Loan; and

    (4)          As of the date of origination of the Mortgage Loan, the provisions of the related Buydown Agreement complied with the requirements of Fannie Mae or Freddie Mac regarding buydown agreements;

(xxxviii) Cooperative Loans.

With respect to each Cooperative Loan:

	 	
(1)
	
The Cooperative Shares are held by a person as a tenant-stockholder in a Cooperative. Each original UCC financing statement, continuation statement or other governmental filing or recordation necessary to create or preserve the perfection and priority of the first lien and security interest in the Cooperative Loan and Proprietary Lease has been timely and properly made. Any security agreement, chattel mortgage or equivalent document related to the Cooperative Loan and delivered to Purchaser or its designee establishes in Purchaser a valid and subsisting perfected first lien on and security interest in the Mortgaged Property described therein, and Purchaser has full right to sell and assign the same;

	 	
(2)
	
A Cooperative Lien Search has been made by a company competent to make the same which company is acceptable to Fannie Mae or Freddie Mac and qualified to do business in the jurisdiction where the Cooperative is located;

	 	
(3)
	
(i) The term of the related Proprietary Lease is not less than the terms of the Cooperative Loan; (ii) there is no provision in any Proprietary Lease which requires the Mortgagor to offer for sale the Cooperative Shares owned by such Mortgagor first to the Cooperative; (iii) there is no prohibition in any Proprietary Lease against pledging the Cooperative Shares or assigning the Proprietary Lease; (iv) the Cooperative has been created and exists in full compliance with the requirements for residential cooperatives in the jurisdiction in which the Project is located and qualifies as a cooperative housing corporation under Section 210 of the Code; (v) the Recognition Agreement is on a form published by Aztech Document Services, Inc. or includes similar provisions; and (vi) the Cooperative has good and marketable title to the Project, and owns the
Project either in fee simple; such title is free and clear of any adverse liens or encumbrances, except the lien of any blanket mortgage;

(4)         The Seller has the right under the terms of the Mortgage Note, Pledge Agreement and Recognition Agreement to pay any maintenance charges or assessments owed by the Mortgagor; and

(5)         Each Stock Power (i) has all signatures guaranteed or (ii) if all signatures are not guaranteed, then such Cooperative Shares will be transferred by the stock transfer agent of the Cooperative if the Seller undertakes to convert the ownership of the collateral securing the related Cooperative Loan.;

(xxxix) HOEPA.

No Mortgage Loan is a Covered Loan or a High Cost Loan (in the case of state or local law, as determined without giving effect to any available federal preemption, other than any exemptions specifically provided for in the relevant state or local law);

(xl) Anti-Money Laundering Laws.

The Seller has complied with all applicable anti-money laundering laws and regulations, (the "Anti-Money Laundering Laws"), and has established an anti-money laundering compliance program as required by the Anti-Money Laundering Laws;

(xli) Bankruptcy.

	 	 	
No Mortgagor was a debtor in any state or federal bankruptcy or insolvency proceeding as of the date the Mortgage Loan was closed and the proceeds of the Mortgage Loan were distributed; 

(xlii) Due on Sale.

The Mortgage or Mortgage Note contains an enforceable provision, to the extent not prohibited by federal law, for the acceleration of the payment of the unpaid principal balance of the Mortgage Loan in the event that the Mortgaged Property is sold or transferred without the prior written consent of the Mortgagee thereunder, provided that, with respect to Mortgage Notes which bear an adjustable rate of interest, such provision shall not be enforceable if the Mortgagor causes to be submitted to the Seller to evaluate the intended transferee as if a new Mortgage Loan were being made to such transferee, and the Seller reasonably determines that the security will not be impaired by such Mortgage Loan assumption and that the risk of breach of any covenant or agreement in such Mortgage is acceptable to the
Purchaser;

(xliii) Credit Reporting.

With respect to each Mortgage Loan, the Seller has furnished complete information on the related borrower credit files to Equifax, Experian and Trans Union Credit Information Seller, in accordance with the Fair Credit Reporting Act and its implementing regulations; 

(xliv) Delivery of Mortgage Files.

The Mortgage Loan Documents required to be delivered by the Seller have been delivered to the Custodian. The Seller is in possession of a complete, true and accurate Mortgage File, except for such documents the originals of which have been delivered to the Custodian or for such documents where the originals of which have been sent for recordation;

(xlv) Single Premium Credit Life Insurance.

No Mortgagor has been offered or required to purchase single premium credit insurance in connection with the origination of the Mortgage Loan;

(xlvi) Payment in Full.

The Seller had no knowledge, at the time of origination of the Mortgage Loan, of any fact that should have led it to expect that such Mortgage Loan would not be paid in full when due; 

(xlvii) MERS Mortgage Loans.

With respect to each MERS Mortgage Loan, a MIN has been assigned to the Mortgage Loan, the MIN appears on the Mortgage or related Assignment of Mortgage to MERS, the Mortgage or the related Assignment of Mortgage to MERS has been duly and properly recorded on MERS, and the transfer to the Purchaser has been properly reflected in the MERS System pursuant to the Purchaser’s registration instructions; 

(xlviii) Leasehold Estates.

 

No Mortgage Loan is leasehold Mortgage Loan; and

 

(xlix) Mixed-Use Property.

No Mortgaged Property shall be used solely for commercial purposes. With respect to any Mortgaged Property that is a mixed-use property (i) the Mortgaged Property is a single family dwelling, (ii) any commercial use of the Mortgaged Property represents a legal, permissible use of the Mortgaged Property under federal, state and local laws and ordinances; (iii) the Mortgagor is both the owner and the operator of the business conducted on the Mortgaged Property; and (iv) income from the business use of the Mortgaged Property was not taken into account in determining the Appraised Value of the Mortgaged Property. The Mortgaged Property with respect to each mixed-use property is in material compliance with all applicable environmental laws pertaining to environmental hazards and neither the Company
nor, to the Company’s knowledge, the related Mortgagor, has received any notice of any violation or potential violation of such law.

EXHIBIT H

Representation and Warranties with Respect to the Quicken Mortgage Loans 

Except for “Mortgage Loans”, which shall mean the Quicken Mortgage Loans sold by the Seller to the Purchaser, all capitalized terms in this Exhibit H shall have the meanings ascribed to them in the Quicken Purchase Agreement.

 

(1)  The information set forth in the related Mortgage Loan Schedule is complete, true and correct;

 

(2)  The Mortgage Loan is in compliance with all requirements set forth in the related Confirmation, and the characteristics of the related Mortgage Loan Package as set forth in the related Confirmation are true and correct;

 

(3)  All payments required to be made up to the close of business on the Closing Date for such Mortgage Loan under the terms of the Mortgage Note have been made. The Seller has not advanced funds, or induced, solicited or knowingly received any advance of funds from a party other than the owner of the related Mortgaged Property, directly or indirectly, for the payment of any amount required by the Mortgage Note or Mortgage; and there has been no delinquency, exclusive of any period of grace, in any payment by the Mortgagor thereunder since the origination of the Mortgage Loan;

 

(4)  There are no delinquent taxes, ground rents, water charges, sewer rents, assessments, insurance premiums, leasehold payments, including assessments payable in future installments or other outstanding charges affecting the related Mortgaged Property;

 

(5)  The terms of the Mortgage Note and the Mortgage have not been impaired, waived, altered or modified in any respect, except by written instruments, recorded in the applicable public recording office or registered with the MERS System if necessary to maintain the lien priority of the Mortgage, and which have been delivered to the Purchaser or its designee; the substance of any such waiver, alteration or modification has been approved by the title insurer, to the extent required by the related policy, and is reflected on the related Mortgage Loan Schedule. No instrument of waiver, alteration or modification has been executed, and no Mortgagor has been released, in whole or in part,
except in connection with an assumption agreement approved by the title insurer, to the extent required by the policy, and which assumption agreement has been delivered to the Purchaser or its designee and the terms of which are reflected in the related Mortgage Loan Schedule;

 

(6)  The Mortgage Note and the Mortgage are not subject to any right of rescission, set-off, counterclaim or defense, including the defense of usury, nor will the operation of any of the terms of the Mortgage Note and the Mortgage, or the exercise of any right thereunder, render the Mortgage unenforceable, in whole or in part, or subject to any right of rescission, set-off, counterclaim or defense, including the defense of usury and no such right of rescission, set-off, counterclaim or defense has been asserted with respect thereto. Each Prepayment Charge or penalty with respect to any Mortgage Loan is permissible, enforceable and collectible under applicable federal, state and local
law;

 

(7)  All buildings upon the Mortgaged Property are insured by an insurer acceptable to FNMA or FHLMC against loss by fire, hazards of extended coverage and such other hazards as are customary in the area where the Mortgaged Property is located, pursuant to insurance policies conforming to the requirements of FNMA or FHLMC. All such insurance policies contain a standard mortgagee clause naming the Seller, its successors and assigns as mortgagee and all premiums thereon have been paid. If the Mortgaged Property is in an area identified on a Flood Hazard Map or Flood Insurance Rate Map issued by the Federal Emergency Management Agency as having special flood hazards (and such flood insurance
has been made available) a flood insurance policy meeting the requirements of the current guidelines of the Federal Insurance Administration is in effect which policy conforms to the requirements of FNMA or FHLMC. The Mortgage obligates the Mortgagor thereunder to maintain all such insurance at the Mortgagor’s cost and expense, and on the Mortgagor’s failure to do so, authorizes the holder of the Mortgage to maintain such insurance at Mortgagor’s cost and expense and to seek reimbursement therefor from the Mortgagor;

 

(8)  Any and all requirements of any federal, state or local law including, without limitation, usury, truth in lending, real estate settlement procedures, predatory and abusive lending, consumer credit protection, equal credit opportunity, fair housing or disclosure laws applicable to the origination and servicing of mortgage loans of a type similar to the Mortgage Loans have been complied with;

 

(9)  The Mortgage has not been satisfied, cancelled, subordinated or rescinded, in whole or in part, and the Mortgaged Property has not been released from the lien of the Mortgage, in whole or in part, nor has any instrument been executed that would effect any such satisfaction, cancellation, subordination, rescission or release;

 

(10)  The Mortgage is a valid, existing and enforceable first or second (as indicated on the Mortgage Loan Schedule) lien on the Mortgaged Property, including all improvements on the Mortgaged Property subject only to (a) the lien of current real property taxes and assessments not yet due and payable, (b) covenants, conditions and restrictions, rights of way, easements and other matters of the public record as of the date of recording being acceptable to mortgage lending institutions generally and specifically referred to in the lender’s title insurance policy delivered to the originator of the Mortgage Loan and which do not adversely affect the Appraised Value of the Mortgaged
Property, (c) to the extent the Mortgage Loan is a second lien Mortgage Loan, the related first lien on the Mortgaged Property; and (d) other matters to which like properties are commonly subject which do not materially interfere with the benefits of the security intended to be provided by the Mortgage or the use, enjoyment, value or marketability of the related Mortgaged Property. Any security agreement, chattel mortgage or equivalent document related to and delivered in connection with the Mortgage Loan establishes and creates a valid, existing and enforceable first or second (as indicated on the Mortgage Loan Schedule) lien and first or second (as indicated on the Mortgage Loan Schedule) priority security interest on the property described therein and the Seller has full right to sell and assign the same to the Purchaser. The Mortgaged Property was not, as of the date of origination of the Mortgage Loan, subject to a mortgage, deed of trust, deed to secure debt or other security instrument creating
a lien subordinate to the lien of the Mortgage;

 

(11)  The Mortgage Note and the related Mortgage are genuine and each is the legal, valid and binding obligation of the maker thereof, enforceable in accordance with its terms except as such enforcement may be limited by bankruptcy;

 

(12)  All parties to the Mortgage Note and the Mortgage had legal capacity to enter into the Mortgage Loan and to execute and deliver the Mortgage Note and the Mortgage, and the Mortgage Note and the Mortgage have been duly and properly executed by such parties. The Mortgagor is a natural person;

 

(13)  The proceeds of the Mortgage Loan have been fully disbursed to or for the account of the Mortgagor and there is no obligation for the Mortgagee to advance additional funds thereunder and any and all requirements as to completion of any on-site or off-site improvement and as to disbursements of any escrow funds therefor have been complied with. All costs, fees and expenses incurred in making or closing the Mortgage Loan and the recording of the Mortgage have been paid, and the Mortgagor is not entitled to any refund of any amounts paid or due to the Mortgagee pursuant to the Mortgage Note or Mortgage;

 

(14)  The Seller is the sole legal, beneficial and equitable owner of the Mortgage Note and the Mortgage and has full right to transfer and sell the Mortgage Loan to the Purchaser free and clear of any encumbrance, equity, lien, pledge, charge, claim or security interest;

 

(15)  All parties which have had any interest in the Mortgage Loan, whether as mortgagee, assignee, pledgee or otherwise, are (or, during the period in which they held and disposed of such interest, were) in material compliance with any and all applicable “doing business” and licensing requirements of the laws of the state wherein the Mortgaged Property is located (or were otherwise exempt from such requirements under applicable law);

 

(16)  The Mortgage Loan is covered by an American Land Title Association (“ALTA”) lender’s title insurance policy (which, in the case of an Adjustable Rate Mortgage Loan has an adjustable rate mortgage endorsement in the form of ALTA 6.0 or 6.1) acceptable to FNMA or FHLMC, issued by a title insurer acceptable to FNMA or FHLMC and qualified to do business in the jurisdiction where the Mortgaged Property is located, insuring (subject to the exceptions contained in (x)(a) and (b) above) the Seller, its successors and assigns as to the first or second (as indicated on the Mortgage Loan Schedule) priority lien of the Mortgage in the original principal amount of the Mortgage Loan
and, with respect to any Adjustable Rate Mortgage Loan, against any loss by reason of the invalidity or unenforceability of the lien resulting from the provisions of the Mortgage providing for adjustment in the Mortgage Interest Rate and Monthly Payment. Additionally, such lender’s title insurance policy affirmatively insures ingress and egress to and from the Mortgaged Property, and against encroachments by or upon the Mortgaged Property or any interest therein. The Seller is the sole insured of such lender’s title insurance policy, and such lender’s title insurance policy is in full force and effect and will be in full force and effect upon the consummation of the transactions contemplated by this Agreement. No claims have been made under such lender’s title insurance policy, and no prior holder of the related Mortgage, including the Seller, has done, by act or omission, anything which would impair the coverage of such lender’s title insurance policy;

 

(17)  There is no default, breach, violation or event of acceleration existing under the Mortgage or the Mortgage Note and no event which, with the passage of time or with notice and the expiration of any grace or cure period, would constitute a default, breach, violation or event of acceleration, and the Seller has not waived any default, breach, violation or event of acceleration. With respect to each second lien mortgage loan (i) the first lien mortgage loan is in full force and effect, (ii) there is no default, breach, violation or event of acceleration existing under such first lien mortgage or the related mortgage note, (iii) no event which, with the passage of time or with notice
and the expiration of any grace or cure period, would constitute a default, breach, violation or event of acceleration thereunder, and either (A) the first lien mortgage contains a provision which allows or (B) applicable law requires, the mortgagee under the second lien Mortgage Loan to receive notice of, and affords such mortgagee an opportunity to cure any default by payment in full or otherwise under the first lien mortgage;

 

(18)  There are no mechanics’ or similar liens or claims which have been filed for work, labor or material (and no rights are outstanding that under law could give rise to such lien) affecting the related Mortgaged Property which are or may be liens prior to, or equal or coordinate with, the lien of the related Mortgage;

 

(19)  All improvements which were considered in determining the Appraised Value of the related Mortgaged Property lay wholly within the boundaries and building restriction lines of the Mortgaged Property, and no improvements on adjoining properties encroach upon the Mortgaged Property;

 

(20)  As of the origination of the Mortgage Loan, no improvement located on the Mortgaged Property was in violation of any applicable zoning or subdivision laws or ordinances;

 

(21)  The Mortgage Loan was originated by the Seller or by a savings and loan association, a savings bank, a commercial bank, credit union, insurance company or similar institution which is supervised and examined by a federal or state authority, or by a mortgagee approved as such by the Secretary of HUD pursuant to Section 203 and 211 of the National Housing Act;

 

(22)  Principal payments on the Mortgage Loan commenced no more than sixty days after the proceeds of the Mortgage Loan were disbursed. The Mortgage Loan bears interest at the Mortgage Interest Rate. With respect to each Mortgage Loan, the Mortgage Note is payable on the first day of each month in Monthly Payments, which, other than with respect to a Balloon Mortgage Loan, in the case of a Fixed Rate Mortgage Loans, are sufficient to fully amortize the original principal balance over the original term thereof and to pay interest at the related Mortgage Interest Rate, and, in the case of an Adjustable Rate Mortgage Loan, are changed on each Adjustment Date, and in any case, are sufficient
to fully amortize the original principal balance over the original term thereof and to pay interest at the related Mortgage Interest Rate. The Index for each Adjustable Rate Mortgage Loan is as defined in the related Confirmation. With respect to each Balloon Mortgage Loan, the Mortgage Note requires a monthly payment which is sufficient to fully amortize the original principal balance over the original term thereof and to pay interest at the related Mortgage Interest Rate and requires a final Monthly Payment substantially greater than the preceding monthly payment which is sufficient to repay the remained unpaid principal balance of the Balloon Mortgage Loan as of the Due Date of such monthly payment. The Mortgage Note does not permit negative amortization. No Mortgage Loan is a Convertible Mortgage Loan;

 

(23)  The origination and collection practices used by the Seller with respect to each Mortgage Note and Mortgage have been in all respects legal, proper, prudent and customary in the mortgage origination and servicing industry. The Mortgage Loan has been serviced by the Seller and any predecessor servicer in accordance with the terms of the Mortgage Note. With respect to escrow deposits and Escrow Payments, if any, all such payments are in the possession of, or under the control of, the Seller and there exist no deficiencies in connection therewith for which customary arrangements for repayment thereof have not been made. No escrow deposits or Escrow Payments or other charges or payments
due the Seller have been capitalized under any Mortgage or the related Mortgage Note and no such escrow deposits or Escrow Payments are being held by the Seller for any work on a Mortgaged Property which has not been completed;

 

(24)  The Mortgaged Property is in good repair and is free of damage and waste and there is no proceeding pending for the total or partial condemnation thereof;

 

(25)  The Mortgage and related Mortgage Note contain customary and enforceable provisions such as to render the rights and remedies of the holder thereof adequate for the realization against the Mortgaged Property of the benefits of the security provided thereby, including, (a) in the case of a Mortgage designated as a deed of trust, by trustee’s sale, and (b) otherwise by judicial foreclosure. The Mortgaged Property has not been subject to any bankruptcy proceeding or foreclosure proceeding and the Mortgagor has not filed for protection under applicable bankruptcy laws. There is no homestead or other exemption available to the Mortgagor which would interfere with the right to sell
the Mortgaged Property at a trustee’s sale or the right to foreclose the Mortgage. The Mortgagor has not notified the Seller and the Seller has no knowledge of any relief requested or allowed to the Mortgagor under the Servicemembers’ Civil Relief Act;

 

(26)  The Mortgage Loan was underwritten in accordance with the underwriting standards of the Seller in effect at the time the Mortgage Loan was originated which underwriting standards satisfy the standards of FNMA or FHLMC; and the Mortgage Note and Mortgage are on forms acceptable to FNMA or FHLMC; 

 

(27)  The Mortgage Note is not and has not been secured by any collateral except the lien of the corresponding Mortgage on the Mortgaged Property and the security interest of any applicable security agreement or chattel mortgage referred to in (xi) above;

 

(28)  The Mortgage File contains an appraisal of the related Mortgaged Property which satisfied the standards of FNMA or FHLMC, was on appraisal form 1004 or form 2055 with an interior inspection with respect to each first lien Mortgage Loan, and on appraisal form 704, 2065 or 2055 with an exterior inspection with respect to each second lien Mortgage Loan, and was made and signed, prior to the approval of the Mortgage Loan application, by a qualified appraiser, duly appointed by the Seller, who had no interest, direct or indirect in the Mortgaged Property or in any loan made on the security thereof, whose compensation is not affected by the approval or disapproval of the Mortgage Loan and
who met the minimum qualifications of FNMA or FHLMC. Each appraisal of the Mortgage Loan was made in accordance with the relevant provisions of the Financial Institutions Reform, Recovery, and Enforcement Act of 1989;

 

(29)  In the event the Mortgage constitutes a deed of trust, a trustee, duly qualified under applicable law to serve as such, has been properly designated and currently so serves and is named in the Mortgage, and no fees or expenses are or will become payable by the Purchaser to the trustee under the deed of trust, except in connection with a trustee’s sale after default by the Mortgagor;

 

(30)  No Mortgage Loan contains provisions pursuant to which Monthly Payments are (a) paid or partially paid with funds deposited in any separate account established by the Seller, the Mortgagor, or anyone on behalf of the Mortgagor, (b) paid by any source other than the Mortgagor or (c) contains any other similar provisions which may constitute a “buydown” provision. The Mortgage Loan is not a graduated payment mortgage loan and the Mortgage Loan does not have a shared appreciation or other contingent interest feature;

 

(31)  The Mortgagor has executed a statement to the effect that the Mortgagor has received all disclosure materials required by applicable law with respect to the making of fixed rate mortgage loans in the case of Fixed Rate Mortgage Loans, and adjustable rate mortgage loans in the case of Adjustable Rate Mortgage Loans and rescission materials with respect to Refinanced Mortgage Loans, and such statement is and will remain in the Mortgage File;

 

(32)  No Mortgage Loan was made in connection with (a) the construction or rehabilitation of a Mortgaged Property or (b) facilitating the trade-in or exchange of a Mortgaged Property;

 

(33)  The Seller has no knowledge of any circumstances or condition with respect to the Mortgage, the Mortgaged Property, the Mortgagor or the Mortgagor’s credit standing that can reasonably be expected to cause the Mortgage Loan to be an unacceptable investment, cause the Mortgage Loan to become delinquent, or adversely affect the value of the Mortgage Loan;

 

(34)  No Mortgage Loan had an LTV or a CLTV at origination in excess of 100%. Each Mortgage Loan with an LTV or CLTV at origination in excess of 80% is and will be subject to a Primary Insurance Policy, issued by a Qualified Insurer, which insures that portion of the Mortgage Loan in excess of the portion of the Appraised Value of the Mortgaged Property required by FNMA. All provisions of such Primary Insurance Policy have been and are being complied with, such policy is in full force and effect, and all premiums due thereunder have been paid. Any Mortgage subject to any such Primary Insurance Policy obligates the Mortgagor thereunder to maintain such insurance and to pay all premiums and
charges in connection therewith. The Mortgage Interest Rate for the Mortgage Loan does not include any such insurance premium;

 

(35)  The Mortgaged Property is, to the best of the Seller’s knowledge, lawfully occupied under applicable law; all inspections, licenses and certificates required to be made or issued with respect to all occupied portions of the Mortgaged Property and, with respect to the use and occupancy of the same, including but not limited to certificates of occupancy, have been made or obtained from the appropriate authorities;

 

(36)  No error, omission, misrepresentation, negligence, fraud or similar occurrence with respect to a Mortgage Loan has taken place on the part of any person, including without limitation the Mortgagor, any appraiser, any builder or developer, or any other party involved in the origination of the Mortgage Loan or in the application of any insurance in relation to such Mortgage Loan;

 

(37)  For each Mortgage Loan that is not a MOM Loan, the Assignment of Mortgage is in recordable form except for the name of the assignee which is blank and is acceptable for recording under the laws of the jurisdiction in which the Mortgaged Property is located. The original Mortgage was or is being recorded and, unless the Mortgage Loan is subject to the MERS System, all subsequent assignments of the original Mortgage (other than the assignment to Purchaser) have been recorded in the appropriate jurisdiction wherein such recordation is necessary to perfect the lien thereof against creditors of Seller, or is in the process of being recorded.

 

(38)  Any principal advances made to the Mortgagor prior to the Cut-off Date have been consolidated with the outstanding principal amount secured by the Mortgage, and the secured principal amount, as consolidated, bears a single interest rate and single repayment term. The lien of the Mortgage securing the consolidated principal amount is expressly insured as having first or second lien priority by a title insurance policy or an endorsement to the policy insuring the mortgagee’s consolidated interest. The consolidated principal amount does not exceed the original principal amount of the Mortgage Loan;

 

(39)  Unless otherwise set forth on the related Mortgage Loan Schedule, no Mortgage Loan has a balloon payment feature;

 

(40)  If the Residential Dwelling on the Mortgaged Property is a condominium unit or a unit in a planned unit development (other than a de minimis planned unit development) such condominium or planned unit development project meets the eligibility requirements of FNMA or FHLMC;

 

(41)  The source of the down payment with respect to each Mortgage Loan has been fully verified by the Seller;

 

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

 

(43)  The Mortgaged Property is in material compliance with all applicable environmental laws pertaining to environmental hazards including, without limitation, asbestos, and neither the Seller nor, to the Seller’s knowledge, the related Mortgagor, has received any notice of any violation or potential violation of such law;

 

(44)  Seller shall, at its own expense, cause each Mortgage Loan to be covered by a Tax Service Contract which is assignable to the Purchaser or its designee; provided however, that if the Seller fails to purchase such Tax Service Contract, the Seller shall be required to reimburse the Purchaser for all costs and expenses incurred by the Purchaser in connection with the purchase of any such Tax Service Contract;

 

(45)  Each Mortgage Loan is covered by a Flood Zone Service Contract which is assignable to the Purchaser or its designee or, for each Mortgage Loan not covered by such Flood Zone Service Contract, the Seller agrees to purchase such Flood Zone Service Contract;

 

(46)  No Mortgage Loan is (a) subject to the provisions of the Homeownership and Equity Protection Act of 1994 as amended (“HOEPA”), (b) a “high cost” mortgage loan, “covered” mortgage loan or “predatory” mortgage loan or any other comparable term, no matter how defined under any federal, state or local law, (c) subject to any comparable federal, state or local statutes or regulations, or any other statute or regulation providing for heightened regulatory scrutiny or assignee liability to holders of such mortgage loans, or (d) a High Cost Loan or Covered Loan, as applicable (as such terms are defined in the current Standard & Poor’s
LEVELS® Glossary Revised, Appendix E);

 

(47)  No predatory or deceptive lending practices, including but not limited to, the extension of credit to a mortgagor without regard for the mortgagor’s ability to repay the Mortgage Loan and the extension of credit to a mortgagor which has no apparent benefit to the mortgagor, were employed in connection with the origination of the Mortgage Loan. Each Mortgage Loan is in compliance with the anti-predatory lending eligibility for purchase requirements of the FNMA Guides;

 

(48)  The debt-to-income ratio of the related Mortgagor was not greater than 60% at the origination of the related Mortgage Loan; 

 

(49)  No Mortgagor was required to purchase any single premium credit insurance policy (e.g., life, disability, accident, unemployment, or health insurance product) or debt cancellation agreement as a condition of obtaining the extension of credit. No Mortgagor obtained a prepaid single premium credit insurance policy (e.g., life, disability, accident, unemployment, mortgage, or health insurance) in connection with the origination of the Mortgage Loan. No proceeds from any Mortgage Loan were used to purchase single premium credit insurance policies or debt cancellation agreements as part of the origination of, or as a condition to closing, such Mortgage Loan;

 

(50)  The Mortgage Loans were not selected from the outstanding one to four-family mortgage loans in the Seller’s portfolio at the related Closing Date as to which the representations and warranties set forth in this Agreement could be made in a manner so as to affect adversely the interests of the Purchaser;

 

(51)  The Mortgage contains an enforceable provision for the acceleration of the payment of the unpaid principal balance of the Mortgage Loan in the event that the Mortgaged Property is sold or transferred without the prior written consent of the mortgagee thereunder;

 

(52)  The Mortgage Loan complies with all applicable consumer credit statutes and regulations, including, without limitation, the respective Uniform Consumer Credit Code laws in effect in Colorado, Idaho, Indiana, Iowa, Kansas, Maine, Oklahoma, South Carolina, Utah and Wyoming (to the extent that the related Mortgaged Property is located in such state), has been originated by a properly licensed entity, and in all other respects, complies with all of the material requirements of any such applicable laws;

 

(53)  The information set forth in the Prepayment Charge Schedule is complete, true and correct in all material respects and each Prepayment Charge is permissible, enforceable and collectable under applicable federal and state law;

 

(54)  The Mortgage Loan was not prepaid in full prior to the Closing Date and the Seller has not received notification from a Mortgagor that a prepayment in full shall be made after the Closing Date; 

 

(55)  No Mortgage Loan is secured by cooperative housing, commercial property, mobile homes, manufactured housing or mixed use property;

 

(56)  Except as set forth on the related Mortgage Loan Schedule, none of the Mortgage Loans are subject to a Prepayment Charge. For any Mortgage Loan originated prior to October 1, 2002 that is subject to a Prepayment Charge, such Prepayment Charge does not extend beyond five years after the date of origination. For any Mortgage Loan originated on or following October 1, 2002 that is subject to a Prepayment Charge, such Prepayment Charge does not extend beyond three years after the date of origination. With respect to any Mortgage Loan that contains a provision permitting imposition of a Prepayment Charge upon a prepayment prior to maturity: (i) prior to the Mortgage Loan’s
origination, the Mortgagor agreed to such Prepayment Charge in exchange for a monetary benefit, including but not limited to a rate or fee reduction, (ii) prior to the Mortgage Loan’s origination, the Mortgagor was offered the option of obtaining a Mortgage Loan that did not require payment of such a Prepayment Charge, (iii) the Prepayment Charge is disclosed to the Mortgagor in the loan documents pursuant to applicable state and federal law, (v) for Mortgage Loans originated on or after September 1, 2004, the duration of the Prepayment Period shall not exceed three (3) years from the date of the Mortgage Note, unless the Mortgage Loan was modified to reduce the prepayment period to no more than three years from the date of the Mortgage Note and the Mortgagor was notified in writing of such reduction in prepayment period, and (v) notwithstanding any state or federal law to the contrary, the Seller shall not impose such Prepayment Charge in any instance when the mortgage debt is accelerated as the
result of the Mortgagor’s default in making the loan payments;

 

(57)  The Seller has complied with all applicable anti-money laundering laws and regulations, including without limitation the USA Patriot Act of 2001 (collectively, the “Anti-Money Laundering Laws”); the Seller has established an anti-money laundering compliance program as required by the Anti-Money Laundering Laws, has conducted the requisite due diligence in connection with the origination of each Mortgage Loan for purposes of the Anti-Money Laundering Laws, including with respect to the legitimacy of the applicable Mortgagor and the origin of the assets used by the said Mortgagor to purchase the property in question, and maintains, and will maintain, sufficient information to
identify the applicable Mortgagor for purposes of the Anti-Money Laundering Laws. No Mortgage Loan is subject to nullification pursuant to Executive Order 13224 (the “Executive Order”) or the regulations promulgated by the Office of Foreign Assets Control of the United States Department of the Treasury (the “OFAC Regulations”) or in violation of the Executive Order or the OFAC Regulations, and no Mortgagor is subject to the provisions of such Executive Order or the OFAC Regulations nor listed as a “blocked person” for purposes of the OFAC Regulations;

 

(58)  No Mortgage Loan is secured by real property or secured by a manufactured home located in the state of Georgia unless (x) such Mortgage Loan was originated prior to October 1, 2002 or after March 6, 2003, or (y) the property securing the Mortgage Loan is not, nor will be, occupied by the Mortgagor as the Mortgagor’s principal dwelling. No Mortgage Loan is a “High Cost Home Loan” as defined in the Georgia Fair Lending Act, as amended (the “Georgia Act”) or the New York Banking Law 6-1. Each Mortgage Loan that is a “Home Loan” under the Georgia Act complies with all applicable provisions of the Georgia Act. No Mortgage Loan secured by owner occupied
real property or an owner occupied manufactured home located in the State of Georgia was originated (or modified) on or after October 1, 2002 through and including March 6, 2003;

 

(59)  No Mortgagor was encouraged or required to select a Mortgage Loan product offered by the Mortgage Loan’s originator which is a higher cost product designed for less creditworthy borrowers, unless at the time of the Mortgage Loan’s origination, such Mortgagor did not qualify taking into account credit history and debt to income ratios for a lower cost credit product then offered by the Mortgage Loan’s originator or any affiliate of the Mortgage Loan’s originator. If, at the time of loan application, the Mortgagor may have qualified for a for a lower cost credit product then offered by any mortgage lending affiliate of the Mortgage Loan’s originator, the
Mortgage Loan’s originator referred the Mortgagor’s application to such affiliate for underwriting consideration;

 

(60)  The methodology used in underwriting the extension of credit for each Mortgage Loan employs objective mathematical principles which relate the Mortgagor’s income, assets and liabilities to the proposed payment and such underwriting methodology does not rely on the extent of the Mortgagor’s equity in the collateral as the principal determining factor in approving such credit extension. Such underwriting methodology confirmed that at the time of origination (application/approval) the Mortgagor had a reasonable ability to make timely payments on the Mortgage Loan;

 

(61)  With respect to each Mortgage Loan, the Seller has fully and accurately furnished complete information on the related borrower credit files to Equifax, Experian and Trans Union Credit Information Company, in accordance with the Fair Credit Reporting Act and its implementing regulations, on a monthly basis and the Seller for each Loan will furnish, in accordance with the Fair Credit Reporting Act and its implementing regulations, accurate and complete information on its borrower credit files to Equifax, Experian, and Trans Union Credit Information Company, on a monthly basis;

 

(62)  All points and fees related to each Mortgage Loan were disclosed in writing to the related Borrower in accordance with applicable state and federal law and regulation. Except in the case of a Mortgage Loan in an original principal amount of less than $60,000 which would have resulted in an unprofitable origination, no related Borrower was charged “points and fees” (whether or not financed) in an amount greater than 5% of the principal amount of such loan, such 5% limitation is calculated in accordance with Fannie Mae’s anti-predatory lending requirements as set forth in the Fannie Mae Selling Guide;

 

(63)  All fees and charges (including finance charges) and whether or not financed, assessed, collected or to be collected in connection with the origination and servicing of each Mortgage Loan has been disclosed in writing to the Mortgagor in accordance with applicable state and federal law and regulation;

 

(64)  The Seller will transmit full-file credit reporting data for each Mortgage Loan pursuant to Fannie Mae Guide Announcement 95-19 and for each Mortgage Loan, Seller agrees it shall report one of the following statuses each month as follows: new origination, current, delinquent (30-, 60-, 90-days, etc.), foreclosed, or charged-off;

 

(65)  No Mortgage Loan is a “High Cost Home Loan” as defined in the Arkansas Home Loan Protection Act effective October 16, 2003 (Act 1340 or 2003);

 

(66)  No Mortgage Loan is a “High Cost Home Loan” as defined in the Kentucky high-cost loan statute effective June 24, 2003 (Ky. Rev. Stat. Section 360.100); 

 

(67)  No Mortgage Loan secured by property located in the State of Nevada is a “home loan” as defined in the Nevada Assembly Bill No. 284;

 

(68)  No Mortgage Loan is a “manufactured housing loan” or “home improvement home loan” pursuant to the New Jersey Home Ownership Act. No Mortgage Loan is a “High-Cost Home Loan” or a refinanced “Covered Home Loan,” in each case, as defined in the New Jersey Home Ownership Act effective November 27, 2003 (N.J.S.A. 46;10B-22 et seq.);

 

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

 

(70)  No Mortgage Loan is a subsection 10 mortgage under the Oklahoma Home Ownership and Equity protection Act;

 

(71)  No Mortgage Loan is a “High-Cost Home Loan” as defined in the New Mexico Home Loan Protection Act effective January 1, 2004 (N.M. Stat. Ann. §§ 58-21A-1 et seq.); 

 

(72)  No Mortgage Loan is a “High-Risk Home Loan” as defined in the Illinois High-Risk Home Loan Act effective January 1, 2004 (815 Ill. Comp. Stat. 137/1 et seq.);

 

(73)  No Mortgage Loan originated in the City of Los Angeles is subject to the City of Los Angeles California Ordinance 175008 as a “home loan”; 

 

(74)  No Mortgage Loan originated in the City of Oakland is subject to the City of Oakland, California Ordinance 12361 as a “home loan”;

 

(75)  No Mortgage Loan is a “High-Cost Home Loan” as defined under the Maine House Bill 383 L.D. 494, effective as of September 13, 2003;

 

(76)  No Mortgage Loan is a “High-Cost Home Mortgage Loan” as defined in the Massachusetts Predatory Home Loan Practices Act, effective November 5, 2004 (Mass. Ann. Laws Ch. 183C);

 

(77)  With respect to any Mortgage Loan for which a mortgage loan application was submitted by the Mortgagor after April 1, 2004, no such Mortgage Loan secured by Mortgaged Property in the State of Illinois which has a Mortgage Interest Rate in excess of 8.0% per annum has lender-imposed fees (or other charges) in excess of 3.0% of the original principal balance of the Mortgage Loan. 

 

(78)  With respect to each MOM Loan, a MIN has been assigned by MERS and such MIN is accurately provided on the Mortgage Loan Schedule. The related Assignment of Mortgage to MERS has been duly and properly recorded, or has been delivered for recording to the applicable recording office; 

 

(79)  With respect to each MERS Mortgage Loan, Seller has not received any notice of liens or legal actions with respect to such Mortgage Loan and no such notices have been electronically posted by MERS;

 

(80)  No Mortgagor agreed to submit to arbitration to resolve any dispute arising out of or relating in any way to the Mortgage Loan transaction, and with respect to any Mortgage Loan originated on or after August 1, 2004, neither the Mortgage nor the Mortgage Note requires the Mortgagor to submit to arbitration to resolve any dispute arising out of or relating in any way to the origination of the Mortgage Loan;

 

(81)  Each Mortgage Loan is eligible for sale in the secondary market or for inclusion in a Pass-Through Transfer without unreasonable credit enhancement;

 

(82)  With respect to each Mortgage Loan, (i) if the related first lien provides for negative amortization, the CLTV was calculated at the maximum principal balance of such first lien that could result upon application of such negative amortization feature, and (ii) either no consent for the Mortgage Loan is required by the holder of the first lien or such consent has been obtained and is contained in the Mortgage File; 

 

(83)  Each Imaged Document represents a true, complete, and correct copy of the Original Document in all respects, including, but not limited to, all signatures conforming with signatures contained in the Original Document, no information having been added or deleted, and no Imaged Document having been manipulated or altered in any manner. Each Imaged Document is clear and legible, including, but not limited to, accurate reproductions of photographs. No Original Documents have been or will be altered in any manner; 

 

(84)  The destruction of any Original Document or the inability of the Seller to produce a copy of such Original Document upon request shall not cause (i) any delay in the enforcement of the Mortgage Loan, (ii) any inability to collect all amounts due under the Mortgage Loan, including without limitation, in connection with a foreclosure or other sale of the Mortgaged Property, (iii) private institutional investors to regard the Mortgage Loan as an unacceptable investment or adversely affect the value or marketability of the Mortgage Loan, or (iv) any claims from holders of mortgage-backed securities collateralized by the Mortgage Loan.;

 

(85)  With respect to each Mortgage Loan that is secured in whole or in part by the interest of the Mortgagor as a lessee under a ground lease of the related Mortgaged Property (a “Ground Lease”) and not by a fee interest in such Mortgaged Property:

 

  The Mortgagor is the owner of a valid and subsisting interest as tenant under the Ground Lease;

 

  The Ground Lease is in full force and effect, unmodified and not supplemented by any writing or otherwise;

 

  The Mortgagor is not in default under any of the terms thereof and there are no circumstances which, with the passage of time or the giving of notice or both, would constitute an event of default thereunder;

 

  The lessor under the Ground Lease is not in default under any of the terms or provisions thereof on the part of the lessor to be observed or performed;

 

  The term of the Ground Lease exceeds the maturity date of the related Mortgage Loan by at least ten years;

 

  The Ground Lease or a memorandum thereof has been recorded and by its terms permits the leasehold estate to be mortgaged. The Ground Lease grants any leasehold mortgagee standard protection necessary to protect the security of a leasehold mortgagee;

 

  The Ground Lease does not contain any default provisions that could give rise to forfeiture or termination of the Ground Lease except for the non-payment of the Ground Lease rents;

 

  The execution, delivery and performance of the Mortgage do not require the consent (other than those consents which have been obtained and are in full force and effect) under, and will not contravene any provision of or cause a default under, the Ground Lease; 

 

  The Ground Lease provides that the leasehold can be transferred, mortgaged and sublet an unlimited number of times either without restriction or on payment of a reasonable fee and delivery of reasonable documentation to the lessor;

 

  The Mortgagor has not commenced any action or given or received any notice for the purpose of terminating the Ground Lease;

 

  No lessor, as debtor in possession or by a trustee for such lessor has give any notice of, and the Mortgagor has not consented to, any attempt to transfer the related Mortgaged Property free and clear of such Ground Lease under section 363(f) of the Bankruptcy Code; and

 

  No lessor is subject to any voluntary or involuntary bankruptcy, reorganization or insolvency proceeding and no Mortgaged Property is an asset in any voluntary or involuntary bankruptcy, reorganization or insolvency proceeding.

 

(86)  No Mortgage Loan is a “High-Cost Home Mortgage Loan” as defined in the Massachusetts Predatory Home Loan Practices Act, effective November 7, 2004 (Mass. Ann. Laws Ch. 183C);

 

(87)  No Mortgage Loan is a balloon mortgage loan that has an original stated maturity of less than seven (7) years; and

 

(88)  No Mortgage Loan is subject to mandatory arbitration except when the terms of the arbitration also contain a waiver provision that provides that in the event of a sale or transfer of the Mortgage Loan or interest in the Mortgage Loan to Fannie Mae, the terms of the arbitration are null and void. The Seller hereby covenants that the Seller or the servicer of the Mortgage Loan, as applicable, will notify the Mortgagor in writing within 60 days of the sale or transfer of the Mortgage Loan to Fannie Mae that the terms of the arbitration are null and void.

 

EXHIBIT E

 

REQUEST FOR RELEASE

 

TO: [applicable Custodian]

	 	
Re:
	
Pooling and Servicing Agreement dated as of October 1, 2006, among Citigroup Mortgage Loan Trust Inc., as depositor, CitiMortgage, Inc. as master servicer and trust administrator, Citibank, N.A. as paying agent, certificate registrar and authenticating agent and U.S. Bank National Association as Trustee

In connection with the administration of the Mortgage Loans held by you as Custodian for the Owner pursuant to the above-captioned Pooling and Servicing Agreement and the applicable Custodian Agreement, we request the release, and hereby acknowledge receipt, of the Trustee's Mortgage File for the Mortgage Loan described below, for the reason indicated.

 

Mortgage Loan Number:

Mortgagor Name, Address & Zip Code:

 

Reason for Requesting Documents (check one):

 

______________ 1. Mortgage Paid in Full

 

______________ 2. Foreclosure

 

______________ 3. Substitution

 

______________ 4. Other Liquidation (Repurchases, etc.)

 

______________ 5. Nonliquidation

 

Reason:______________________________________________

 

Address to which Trustee should

Deliver the Custodian's Mortgage File:

 

[____________]

[____________]

 

	 	
By: ______________________________

                          (authorized signer)

	 	 
	
Issuer:______________________________
	 
	 	 
	
Address:
	
_____________________________________

	 	 
	
Date: _________________________________

 

Custodian
	
_____________________________________

	 	 
	 	 

 

Please acknowledge the execution of the above request by your signature and date below:

 

	
_____________________________________

Signature
	
Date

	 	 
	
Documents returned to Custodian:
	 
	 	 
	
____________________________________

Trustee
	
Date

 

EXHIBIT F-1

 

FORM OF TRANSFEROR REPRESENTATION LETTER

 

[Date]

Citigroup, N.A.

388 Greenwich St

New York, NY 10013

ATTENTION: CMLTI, SERIES 2006-AR7

 

	 	
Re:
	
Citigroup Mortgage Loan Trust Inc., Mortgage Pass-Through Certificates, Series 2006-AR7, Class__ , representing a __% Class Percentage Interest

Ladies and Gentlemen:

 

In connection with the transfer by ________________ (the “Transferor”) to ________________ (the “Transferee”) of the captioned mortgage pass-through certificates (the “Certificates”), the Transferor hereby certifies as follows:

 

Neither the Transferor 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, (e) has taken any other action, that (in the case of each of subclauses (a) through (e) above) would constitute a distribution
of the Certificates under the Securities Act of 1933, as amended (the “1933 Act”), or would render the disposition of any Certificate a violation of Section 5 of the 1933 Act or any state securities law or would require registration or qualification pursuant thereto. The Transferor will not act, nor has it authorized or will it authorize any person to act, in any manner set forth in the foregoing sentence with respect to any Certificate. The Transferor will not sell or otherwise transfer any of the Certificates, except in compliance with the provisions of that certain Pooling and Servicing Agreement, dated as of October 1, 2006, among Citigroup Mortgage Loan Trust Inc. as depositor, CitiMortgage, Inc. as trust administrator and master servicer, CitiBank, N.A. as paying agent, certificate registrar and authenticating agent and U.S. Bank National Association as Trustee (the “Pooling and Servicing Agreement”), pursuant to which Pooling and Servicing Agreement the Certificates were
issued.

 

Capitalized terms used but not defined herein shall have the meanings assigned thereto in the Pooling and Servicing Agreement.

 

	 	
Very truly yours,

 

 

[Transferor]

 

 

By:_____________________________________

Name:

Title:

FORM OF TRANSFEREE REPRESENTATION LETTER

 

[Date]

 

Citigroup, N.A.

388 Greenwich St

New York, NY 10013

ATTENTION: CMLTI, SERIES 2006-AR7

 

	 	
Re:
	
Citigroup Mortgage Loan Trust Inc., Mortgage Pass-Through Certificates, Series 2006-AR7, Class ___, representing a ___% Percentage Interest

Ladies and Gentlemen:

 

In connection with the purchase from ______________________ (the “Transferor”) on the date hereof of the captioned trust certificates (the “Certificates”), _______________ (the “Transferee”) hereby certifies as follows:

 

1. The Transferee is a “qualified institutional buyer” as that term is defined in Rule 144A (“Rule 144A”) under the Securities Act of 1933 (the “1933 Act”) and has completed either of the forms of certification to that effect attached hereto as Annex 1 or Annex 2. The Transferee is aware that the sale to it is being made in reliance on Rule 144A. The Transferee is acquiring the Certificates for its own account or for the account of a qualified institutional buyer, and understands that such Certificate 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.

 

2. The Transferee has been furnished with all information regarding (a) the Certificates and distributions thereon, (b) the nature, performance and servicing of the Mortgage Loans, (c) the Pooling and Servicing Agreement referred to below, and (d) any credit enhancement mechanism associated with the Certificates, that it has requested.

 

All capitalized terms used but not otherwise defined herein have the respective meanings assigned thereto in the Pooling and Servicing Agreement, dated as of October 1, 2006, among Citigroup Mortgage Loan Trust Inc. as depositor, CitiMortgage, Inc. as master servicer and trust administrator, Citibank, N.A. as paying agent, certificate registrar and authenticating agent and U.S. Bank National Association as Trustee, pursuant to which the Certificates were issued.

 

	 	
[TRANSFEREE]

 

 

By:  ______________________________

Name:

Title:

ANNEX 1 TO EXHIBIT F

QUALIFIED INSTITUTIONAL BUYER STATUS UNDER SEC RULE 144A

 

[For Transferees Other Than Registered Investment Companies]

 

The undersigned hereby certifies as follows to [name of Transferor] (the “Transferor”) and U.S. Bank National Association, as Trustee, with respect to the mortgage pass-through certificates (the “Certificates”) described in the Transferee Certificate to which this certification relates and to which this certification is an Annex:

 

	 	
1.
	
As indicated below, the undersigned is the President, Chief Financial Officer, Senior Vice President or other executive officer of the entity purchasing the Certificates (the “Transferee”).

	 	 	 
	 	
2.
	
In connection with purchases by the Transferee, the Transferee is a “qualified institutional buyer” as that term is defined in Rule 144A under the Securities Act of 1933 (“Rule 144A”) because (i) the Transferee owned and/or invested on a discretionary basis $______________________1  in securities (except for the excluded securities referred to below) as of the end of the Transferee's most recent fiscal year (such amount being calculated in accordance with Rule 144A) and (ii) the Transferee satisfies the criteria in the category marked below.

	 	 	 
	 	
___
	
CORPORATION, ETC. The Transferee is a corporation (other than a bank, savings and loan association or similar institution), Massachusetts or similar business trust, partnership, or any organization described in Section 501(c)(3) of the Internal Revenue Code of 1986.

	 	 	 
	 	
___
	
BANK. The Transferee (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 Transferee (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

	 	 	 

	 	
___
	
BROKER-DEALER. The Transferee is a dealer registered pursuant to Section 15 of the Securities Exchange Act of 1934.

	 	 	 
	 	
___
	
INSURANCE COMPANY. The Transferee 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, territory or the District of Columbia.

	 	 	 
	 	
___
	
STATE OR LOCAL PLAN. The Transferee 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 Transferee is an employee benefit plan within the meaning of Title I of the Employee Retirement Income Security Act of 1974.

	 	 	 
	 	
___
	
INVESTMENT ADVISOR. The Transferee is an investment advisor registered under the Investment Advisers Act of 1940.

	 	 	 
	 	
3.
	
The term “SECURITIES” as used herein DOES NOT INCLUDE (i) securities of issuers that are affiliated with the Transferee, (ii) securities that are part of an unsold allotment to or subscription by the Transferee, if the Transferee is a dealer, (iii) securities issued or guaranteed by the U.S. or any instrumentality thereof, (iv) bank deposit notes and certificates of deposit, (v) loan participations, (vi) repurchase agreements, (vii) securities owned but subject to a repurchase agreement and (viii) 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 Transferee, the Transferee used the cost of such securities to the Transferee and did not include any of the securities referred to in the preceding paragraph. Further, in determining such aggregate amount, the Transferee may have included securities owned by subsidiaries of the Transferee, but only if such subsidiaries are consolidated with the Transferee in its financial statements prepared in accordance with generally accepted accounting principles and if the investments of such subsidiaries are managed under the Transferee's direction. However, such securities were not included if the Transferee is a majority-owned, consolidated subsidiary of another enterprise and the Transferee is not itself
a reporting company under the Securities Exchange Act of 1934.

	 	 	 
	 	
5.
	
The Transferee acknowledges that it is familiar with Rule 144A and understands that the Transferor 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 Transferee may be in reliance on Rule 144A.

	
___

Yes
	
___

No
	
Will the Transferee be purchasing the Certificates only for the Transferee's own account?

	 	
6.
	
If the answer to the foregoing question is “no”, the Transferee agrees that, in connection with any purchase of securities sold to the Transferee for the account of a third party (including any separate account) in reliance on Rule 144A, the Transferee 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 Transferee agrees that the Transferee will not purchase securities for a third party unless the Transferee 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 Transferee 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 Transferee's purchase of the Certificates will constitute a reaffirmation of this certification as of the date of such purchase. In addition, if the Transferee is a bank or savings and loan as provided above, the Transferee agrees that it will furnish to such parties updated annual financial statements promptly after they become available.

	 	 	 

1 Transferee must own and/or invest on a discretionary basis at least $100,000,000 in securities unless Transferee is a dealer, and, in that case, Transferee must own and/or invest on a discretionary basis at least $10,000,000 in securities. $25,000,000 as demonstrated in its latest annual financial statements, A COPY OF WHICH IS ATTACHED HERETO.

 

Dated:

 

	 	
___________________________________

Print Name of Transferee

 

By:  _______________________________

Name:

Title:

 

ANNEX 2 TO EXHIBIT F

 

QUALIFIED INSTITUTIONAL BUYER STATUS UNDER SEC RULE 144A

 

[For Transferees That Are Registered Investment Companies]

 

The undersigned hereby certifies as follows to [name of Transferor] (the “Transferor”) and U.S. Bank National Association, as Trustee, with respect to the mortgage pass- through certificates (the “Certificates”) described in the Transferee Certificate to which this certification relates and to which this certification is an Annex:

 

1.  As indicated below, the undersigned is the President, Chief Financial Officer or Senior Vice President of the entity purchasing the Certificates (the “Transferee”) or, if the Transferee is a “qualified institutional buyer” as that term is defined in Rule 144A under the Securities Act of 1933 (“Rule 144A”) because the Transferee is part of a Family of Investment Companies (as defined below), is such an officer of the investment adviser (the “Adviser”).

 

2.  In connection with purchases by the Transferee, the Transferee is a “qualified institutional buyer” as defined in Rule 144A because (i) the Transferee is an investment company registered under the Investment Company Act of 1940, and (ii) as marked below, the Transferee alone, or the Transferee'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 Transferee's most recent fiscal year. For purposes of determining the amount of securities owned by the Transferee or the Transferee's Family of Investment Companies, the cost of such securities was used.

 

____ The Transferee owned $___________________ in securities (other than the excluded securities referred to below) as of the end of the Transferee's most recent fiscal year (such amount being calculated in accordance with Rule 144A).

 

____ The Transferee 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 Transferee'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 Transferee or are part of the Transferee's Family of Investment Companies, (ii) securities issued or guaranteed by the U.S. or any instrumentality thereof, (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.

 

5.  The Transferee is familiar with Rule 144A and understands that the parties to which this certification is being made are relying and will continue to rely on the statements made herein because one or more sales to the Transferee will be in reliance on Rule 144A. In addition, the Transferee will only purchase for the Transferee's own account.

 

6.  The undersigned will notify the parties to which this certification is made of any changes in the information and conclusions herein. Until such notice, the Transferee's purchase of the Certificates will constitute a reaffirmation of this certification by the undersigned as of the date of such purchase.

 

	 	
Dated:

 

___________________________________

Print Name of Transferee or Advisor

 

By:________________________________ 

Name:

Title:

 

 

 

IF AN ADVISER:

 

___________________________________

Print Name of Transferee

FORM OF TRANSFEREE REPRESENTATION LETTER

 

The undersigned hereby certifies on behalf of the purchaser named below (the “Purchaser”) as follows:

 

1.  I am an executive officer of the Purchaser.

 

	2.  	
The Purchaser is a “qualified institutional buyer”, as defined in Rule 144A, (“Rule 144A”) under the Securities Act of 1933, as amended.

 

	3.  	
As of the date specified below (which is not earlier than the last day of the Purchaser's most recent fiscal year), the amount of “securities”, computed for purposes of Rule 144A, owned and invested on a discretionary basis by the Purchaser was in excess of $100,000,000.

 

	 	
Name of Purchaser

 

 

___________________________________

 

 

 

By: _____________________________

Name:

Title:

 

 

Date of this certificate:

Date of information provided in paragraph 3

EXHIBIT F-2

 

The undersigned, being first duly sworn, deposes and says as follows:

 

1.  The undersigned is an officer of, the proposed Transferee of an Ownership Interest in a Residual Certificate (the “Certificate”) issued pursuant to the Pooling and Servicing Agreement dated as of October 1, 2006 (the “Agreement”), among Citigroup Mortgage Loan Trust Inc., as depositor (the “Depositor”), CitiMortgage, Inc., as master servicer and trust administrator (the “Master Servicer”), Citibank, N.A., as paying agent, certificate registrar and authenticating agent (the “Paying Agent”) and U.S. Bank National Association, as trustee (the “Trustee”). Capitalized terms used, but not defined herein or in Exhibit 1 hereto, shall have the meanings ascribed to such terms in the Agreement. The Transferee has authorized the undersigned to make this affidavit on behalf of the Transferee for the benefit of the Depositor and the Trustee.

 

2.  The Transferee is, as of the date hereof, and will be, as of the date of the Transfer, a Permitted Transferee. The Transferee is acquiring its Ownership Interest in the Certificate for its own account. The Transferee has no knowledge that any such affidavit is false.

 

3.  The Transferee has been advised of, and understands that (i) a tax will be imposed on Transfers of the Certificate to Persons that are not Permitted Transferees; (ii) such tax will be imposed on the transferor, or, if such Transfer is through an agent (which includes a broker, nominee or middleman) for a Person that is not a Permitted Transferee, on the agent; and (iii) the Person otherwise liable for the tax shall be relieved of liability for the tax if the subsequent Transferee furnished to such Person an affidavit that such subsequent Transferee is a Permitted Transferee and, at the time of Transfer, such Person does not have actual knowledge that the affidavit is false.

 

4.  The Transferee has been advised of, and understands that a tax will be imposed on a “pass-through entity” holding the Certificate if at any time during the taxable year of the pass-through entity a Person that is not a Permitted Transferee is the record holder of an interest in such entity. The Transferee understands that such tax will not be imposed for any period with respect to which the record holder furnishes to the pass-through entity an affidavit that such record holder is a Permitted Transferee and the pass-through entity does not have actual knowledge that such affidavit is false. (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 and, except as may be provided in Treasury Regulations, persons holding interests in pass-through entities as a nominee for another Person.)

 

5.  The Transferee has reviewed the provisions of Section 5.02(d) of the Agreement and understands the legal consequences of the acquisition of an Ownership Interest in the Certificate including, without limitation, the restrictions on subsequent Transfers and the provisions regarding voiding the Transfer and mandatory sales. The Transferee expressly agrees to be bound by and to abide by the provisions of Section 5.02(d) of the Agreement and the restrictions noted on the face of the Certificate. The Transferee understands and agrees that any breach of any of the representations included herein shall render the Transfer to the Transferee contemplated hereby null and void.

 

6.  The Transferee agrees to require a Transfer Affidavit from any Person to whom the Transferee attempts to Transfer its Ownership Interest in the Certificate, and in connection with any Transfer by a Person for whom the Transferee is acting as nominee, trustee or agent, and the Transferee will not Transfer its Ownership Interest or cause any Ownership Interest to be Transferred to any Person that the Transferee knows is not a Permitted Transferee. In connection with any such Transfer by the Transferee, the Transferee agrees to deliver to the Trustee a certificate substantially in the form set forth as Exhibit L to the Agreement (a “Transferor Certificate”) to the effect that such Transferee has no actual knowledge that the Person to which the Transfer is to be made is not a Permitted Transferee.

 

7.  The Transferee has historically paid its debts as they have come due, intends to pay its debts as they come due in the future, and understands that the taxes payable with respect to the Certificate may exceed the cash flow with respect thereto in some or all periods and intends to pay such taxes as they become due. The Transferee does not have the intention to impede the assessment or collection of any tax legally required to be paid with respect to the Certificate.

 

8.  The Transferee’s taxpayer identification number is ___________.

 

9.  The Transferee is a U.S. Person as defined in Code Section 7701(a)(30).

 

10.  The Transferee is aware that the Certificate may be a “noneconomic residual interest” within the meaning of proposed 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.

 

11.  The Transferee will not cause income from the Certificate to be attributable to a foreign permanent establishment or fixed base, within the meaning of an applicable income tax treaty, of the Transferee or any other U.S. person.

 

12.  Check one of the following:

o  The present value of the anticipated tax liabilities associated with holding the Certificate, as applicable, does not exceed the sum of:

 

	
(i)
	
the present value of any consideration given to the Transferee to acquire such Certificate;

	 	 
	
(ii)
	
the present value of the expected future distributions on such Certificate; and

	 	 
	
(iii)
	
the present value of the anticipated tax savings associated with holding such Certificate as the related REMIC generates losses.

 

For purposes of this calculation, (i) the Transferee is assumed to pay tax at the highest rate currently specified in Section 11(b) of the Code (but the tax rate in Section 55(b)(1)(B) of the Code may be used in lieu of the highest rate specified in Section 11(b) of the Code if the Transferee has been subject to the alternative minimum tax under Section 55 of the Code in the preceding two years and will compute its taxable income in the current taxable year using the alternative minimum tax rate) and (ii) present values are computed using a discount rate equal to the short-term Federal rate prescribed by Section 1274(d) of the Code for the month of the transfer and the compounding period used by the Transferee.

 

o   The transfer of the Certificate complies with U.S. Treasury Regulations Sections 1.860E-1(c)(5) and (6) and, accordingly,

 

	
(i)
	
the Transferee is an “eligible corporation,” as defined in U.S. Treasury Regulations Section 1.860E-1(c)(6)(i), as to which income from the Certificate will only be taxed in the United States;

	 	 
	
(ii)
	
at the time of the transfer, and at the close of the Transferee’s two fiscal years preceding the year of the transfer, the Transferee had gross assets for financial reporting purposes (excluding any obligation of a person related to the Transferee within the meaning of U.S. Treasury Regulations Section 1.860E-1(c)(6)(ii)) in excess of $100 million and net assets in excess of $10 million;

	 	 
	
(iii)
	
the Transferee will transfer the Certificate only to another “eligible corporation,” as defined in U.S. Treasury Regulations Section 1.860E-1(c)(6)(i), in a transaction that satisfies the requirements of Sections 1.860E-1(c)(4)(i), (ii) and (iii) and Section 1.860E-1(c)(5) of the U.S. Treasury Regulations; and

	 	 
	
(iv)
	
the Transferee determined the consideration paid to it to acquire the Certificate based on reasonable market assumptions (including, but not limited to, borrowing and investment rates, prepayment and loss assumptions, expense and reinvestment assumptions, tax rates and other factors specific to the Transferee) that it has determined in good faith.

 

o  None of the above.

 

 

13.  The Transferee is not an employee benefit plan that is subject to Title I of ERISA or a plan that is subject to Section 4975 of the Code or a plan subject to any Federal, state or local law that is substantially similar to Title I of ERISA or Section 4975 of the Code, and the Transferee is not acting on behalf of or investing plan assets of such a plan.

 

IN WITNESS WHEREOF, the Transferee has caused this instrument to be executed on its behalf, pursuant to authority of its Board of Directors, by its duly authorized officer and its corporate seal to be hereunto affixed, duly attested, this      day of                   , 20  .

 

	 	
[NAME OF TRANSFEREE]

	 	 	 	 	 	 	 	 
	 	 	 	 	 	 	 	 
	 	
By:
	 
	 	
Name:
	 
	 	
Title:
	 
	 	 	 

	
[Corporate Seal]
	 
	
ATTEST:
	 
	 	 
	 	 
	
[Assistant] Secretary
	 

 

Personally appeared before me the above-named __________, known or proved to me to be the same person who executed the foregoing instrument and to be the ___________ of the Transferee, and acknowledged that he executed the same as his free act and deed and the free act and deed of the Transferee.

 

Subscribed and sworn before me this      day of          , 20  .

 

 

	 	 
	 	
NOTARY PUBLIC

	 	
My Commission expires the __ day

of _________, 20__

FORM OF TRANSFEROR AFFIDAVIT

 

	
STATE OF_____________
	
)
	 
	 	
)
	
ss.:

	
COUNTY OF___________
	
)
	 

 

__________________________, being duly sworn, deposes, represents and warrants as follows:

 

1.  I am a ____________________ of ____________________________ (the “Owner”), a corporation duly organized and existing under the laws of ______________, on behalf of whom I make this affidavit.

 

2.  The Owner is not transferring the Class R Certificates (the “Residual Certificates”) to impede the assessment or collection of any tax.

 

3.  The Owner has no actual knowledge that the Person that is the proposed transferee (the “Purchaser”) of the Residual Certificates: (i) has insufficient assets to pay any taxes owed by such proposed transferee as holder of the Residual Certificates; (ii) may become insolvent or subject to a bankruptcy proceeding for so long as the Residual Certificates remain outstanding and (iii) is not a Permitted Transferee.

 

4.  The Owner understands that the Purchaser has delivered to the Trustee a transfer affidavit and agreement in the form attached to the Pooling and Servicing Agreement as Exhibit F-2. The Owner does not know or believe that any representation contained therein is false.

 

5.  At the time of transfer, the Owner has 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 Owner has determined that the Purchaser has historically paid its debts as they became 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 Owner understands that the transfer of a Residual Certificate may not be respected for United States income tax purposes (and the Owner may continue to be liable for United States income taxes associated therewith) unless the Owner has conducted
such an investigation.

 

6.  Capitalized terms not otherwise defined herein shall have the meanings ascribed to them in the Pooling and Servicing Agreement.

 

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 [Vice] President, attested by its [Assistant] Secretary, this ____ day of ___________, 20__.

 

	 	 	 	 	 	 	 	
[OWNER]

	 	 	 	 	 	 	 	
By:
	 
	 	 	 	 	 	 	 	 	
Name: 

	 	 	 	 	 	 	 	 	
Title: [Vice] President

ATTEST:

 

By:______________________________

Name:

Title:  [Assistant] Secretary

 

Personally appeared before me the above-named , known or proved to me to be the same person who executed the foregoing instrument and to be a [Vice] President of the Owner, and acknowledged to me that [he/she] executed the same as [his/her] free act and deed and the free act and deed of the Owner.

 

Subscribed and sworn before me this ____ day of __________, 20___.

 

	 	________________________________
	 	
Notary Public

	 	 
	 	
County of __________________

	 	 
	 	
State of ___________________

	 	 
	 	
My Commission expires:

 

EXHIBIT G

 

FORM OF CERTIFICATION WITH RESPECT TO ERISA AND THE CODE

 

[Date]

 

Citigroup, N.A.

388 Greenwich St

New York, NY 10013

Attention: CMLTI, Series 2006-AR7

 

	 	
Re:
	
Citigroup Mortgage Loan Trust Inc., Mortgage Pass-Through Certificates, Series 2006-AR7, Class ___

Dear Sirs:

 

_______________________ (the “Transferee”) intends to acquire from _____________________ (the “Transferor”) $____________ Initial Certificate Principal Balance of Citigroup Mortgage Loan Trust Inc., Mortgage Pass-Through Certificates, Series 2006-AR7, Class [B4] [B5] [B6] [R] (the “Certificates”), issued pursuant to a Pooling and Servicing Agreement (the “Pooling and Servicing Agreement”) dated as of October 1, 2006, among Citigroup Mortgage Loan Trust Inc. as depositor (the “Depositor”), CitiMortgage, Inc. as master servicer (the”Master Servicer”) and trust administrator, Citibank N.A., as paying agent, certificate registrar and authenticating agent and U.S. Bank National Association as trustee (the “Trustee”). Capitalized terms used herein
and not otherwise defined shall have the meanings assigned thereto in the Pooling and Servicing Agreement. The Transferee hereby certifies, represents and warrants to, and covenants with the Depositor, the Trustee and the Master Servicer that:

 

The Certificates (i) are not being acquired by, and will not be transferred to, any employee benefit plan within the meaning of section 3(3) of the Employee Retirement Income Security Act of 1974, as amended (“ERISA”), or other retirement arrangement, including individual retirement accounts and annuities, Keogh plans and bank collective investment funds and insurance company general or separate accounts in which such plans, accounts or arrangements are invested, that is subject to Section 406 of ERISA or Section 4975 of the Internal Revenue Code of 1986 (the “Code”) (any of the foregoing, a “Plan”), (ii) are not being acquired with “plan assets” of a Plan within the meaning of the Department of Labor (“DOL”) regulation, 29 C.F.R.§2510.3-101, and (iii) will
not be transferred to any entity that is deemed to be investing in plan assets of a Plan within the meaning of the DOL regulation at 29 C.F.R. §2510.3-101.

 

	 	 	 	 	 	 	 	
Very truly yours,

 

 

______________________________________

	 	 	 	 	 	 	 	
By:
	 
	 	 	 	 	 	 	 	 	
Name:

	 	 	 	 	 	 	 	 	
Title:

EXHIBIT H

 

FORM OF MASTER SERVICER CERTIFICATION

 

	 	
Re:
	
Citigroup Mortgage Loan Trust Inc., Mortgage Pass-Through Certificates, Series 2006-AR7

I, [identify the certifying individual], acting of [CitiMortgage, Inc. (“CitiMortgage”)], certify to Citigroup Mortgage Loan Trust, Inc. (the “Depositor”), the Trust Administrator and their respective officers, directors and affiliates, and with the knowledge and intent that they will rely upon this certification, that:

 

1. I have reviewed the information provided to the Trust Administrator by the Master Servicer pursuant to the Servicing Agreement and included in the annual report on Form 10-K for the fiscal year [___], and all reports on Form 10-D required to be filed in respect of the period covered by such Form 10-K of the Depositor relating to the above-referenced trust (the “Exchange Act periodic reports”) (the “Servicing Information”);

 

2. Based on my knowledge, the Servicing Information in the Exchange Act periodic reports, taken as a whole, does not contain any untrue statement of a material fact or omit to state a material fact necessary to make the statements made, in light of the circumstances under which such statements were made, not misleading as of the last day of the period covered by that annual report;

 

3. Based on my knowledge, the Servicing Information required to be provided to the Trust Administrator by the Master Servicer has been provided as required under the Pooling and Servicing Agreement;

 

4. I am responsible for reviewing the activities performed by the Master Servicer under the Pooling and Servicing Agreement and based upon the review required under the Pooling and Servicing Agreement, and except as disclosed to the Depositor and the Trust Administrator, the Master Servicer has fulfilled in all material respects its obligations under the Pooling and Servicing Agreement; and

 

5. I have disclosed to the Master Servicer’s certified public accountants and the Depositor all significant deficiencies relating to the Master Servicer’s compliance with the Servicing Criteria as set forth in the Pooling and Servicing Agreement.

Capitalized terms used but not defined herein have the meanings ascribed to them in the Pooling and Servicing Agreement, dated October 1, 2006 (the “Pooling and Servicing Agreement”), among the Depositor as depositor, CitiMortgage, Inc. as master servicer and trust administrator, Citibank, N.A. as paying agent, certificate registrar and authenticating agent and U.S. Bank National Association as trustee.

 

	 	 	 	 	 	 	 	
[CITIMORTGAGE, INC.] 

	 	 	 	 	 	 	 	 	 	 	 	 	 	 
	 	 	 	 	 	 	 	 	 	 	 	 	 	 
	 	 	 	 	 	 	 	
By:
	 
	 	 	 	 	 	 	 	
Name:
	 
	 	 	 	 	 	 	 	
Title:
	 
	 	 	 	 	 	 	 	
Date:
	 

 

EXHIBIT I

 

FORM BACK-UP CERTIFICATION TO FORM 10-K CERTIFICATE TO BE PROVIDED TO DEPOSITOR 

 

	 	
Re:
	
Pooling and Servicing Agreement dated as of October 1, 2006 (the “Agreement”), among Citigroup Mortgage Loan Trust Inc., as depositor, CitiMortgage, Inc. as master servicer and trust administrator, Citibank, N.A. as paying agent, certificate registrar and authenticating agent and U.S. Bank National Association as Trustee

 

I, ________________________________, the _______________________ of [Trust Administrator], certify to [the Depositor] and the [Master Servicer] [Trustee], and their officers, with the knowledge and intent that they will rely upon this certification, that:

 

(1) I have reviewed the Master Servicer compliance statement of the Company provided in accordance with Item 1123 of Regulation AB (the “Compliance Statement”), the report on assessment of the Company’s compliance with the servicing criteria set forth in Item 1122(d) of Regulation AB (the “Servicing Criteria”), provided in accordance with Rules 13a-18 and 15d-18 under Securities Exchange Act of 1934, as amended (the “Exchange Act”) and Item 1122 of Regulation AB (the “Servicing Assessment”), the registered public accounting firm’s attestation report provided in accordance with Rules 13a-18 and 15d-18 under the
Exchange Act and Section 1122(b) of Regulation AB (the “Attestation Report”), and all servicing reports, officer’s certificates and other information relating to the servicing of the Mortgage Loans by the Company during 200[ ] that were delivered by the Company to the Depositor and the Trust Administrator pursuant to the Agreement (collectively, the “Company Servicing Information”);

 

(2) Based on my knowledge, the Company Servicing Information, 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 with respect to the period of time covered by the Company Servicing Information;

 

(3) Based on my knowledge, all of the Company Servicing Information required to be provided by the Company under the Agreement has been provided to the Depositor and the Trust Administrator;

 

(4) I am responsible for reviewing the activities performed by the Company as Master Servicer under the Agreement, and based on my knowledge and the compliance review conducted in preparing the Compliance Statement and except as disclosed in the Compliance Statement, the Servicing Assessment or the Attestation Report, the Company has fulfilled its obligations under the Agreement in all material respects; and

 

(5) The Compliance Statement required to be delivered by the Company pursuant to the Agreement, and the Servicing Assessment and Attestation Report required to be provided by the Company and by any subservicer or subcontractor pursuant to the Agreement, have been provided to the Depositor and the Trust Administrator. Any material instances of noncompliance described in such reports have been disclosed to the Depositor and the Trust Administrator. Any material instance of noncompliance with the Servicing Criteria has been disclosed in such reports.

 

Date: _________________________

 

 

By:

 

Name:  ________________________________ 

 

Title:  ________________________________

SCHEDULE 1

 

MORTGAGE LOAN SCHEDULE

 

[Available Upon Request]Unassociated Document

    

     

    CREDIT
      SUISSE FIRST BOSTON MORTGAGE SECURITIES CORP.,

    Depositor

     

     

    DLJ
      MORTGAGE CAPITAL, INC.,

    Seller

     

     

    SELECT
      PORTFOLIO SERVICING, INC.,

    Servicer
      

     

     

    and

     

     

    U.S.
      BANK
      NATIONAL ASSOCIATION,

    Trustee

     

    ______________________________________________________________________________

     

    POOLING
      AND SERVICING AGREEMENT

     

    Dated
      as
      of December 1, 2006

     

    ______________________________________________________________________________

     

     

    HOME
      EQUITY MORTGAGE
      TRUST
      SERIES 2006-6

    HOME
      EQUITY MORTGAGE PASS-THROUGH CERTIFICATES, SERIES 2006-6

     

    

    
      
        
        

      

      
        
        

        
          

        

      

      
        
        

      

    

    TABLE
      OF
      CONTENTS

     

    
      	
              ARTICLE
                I 

              DEFINITIONS

               

            
	
              SECTION
                1.01

            	
              Definitions.

            
	
              SECTION
                1.02

            	
              Interest
                Calculations.

            
	
              SECTION
                1.03

            	
              Allocation
                of Certain Interest Shortfalls.

               

            
	
              ARTICLE
                II 

              CONVEYANCE
                OF MORTGAGE LOANS; REPRESENTATIONS AND WARRANTIES

               

            
	
              SECTION
                2.01

            	
              Conveyance
                of Mortgage Loans.

            
	
              SECTION
                2.02

            	
              Acceptance
                by the Trustee.

            
	
              SECTION
                2.03

            	
              Representations
                and Warranties of the Seller, the Servicer.

            
	
              SECTION
                2.04

            	
              Representations
                and Warranties of the Depositor as to the Mortgage
                Loans.

            
	
              SECTION
                2.05

            	
              Delivery
                of Opinion of Counsel in Connection with Substitutions.

            
	
              SECTION
                2.06

            	
              Execution
                and Delivery of Certificates.

            
	
              SECTION
                2.07

            	
              REMIC
                Matters.

            
	
              SECTION
                2.08

            	
              Covenants
                of the Servicer.

            
	
              SECTION
                2.09

            	
              Conveyance
                of REMIC Regular Interests and Acceptance of REMIC 1, REMIC 2, REMIC
                3 and
                REMIC 4 by the Trustee; Issuance of Certificates.

            
	
              SECTION
                2.10

            	
              Purposes
                and Powers of the Trust.

               

            
	
              ARTICLE
                III 

              ADMINISTRATION
                AND SERVICING OF MORTGAGE LOANS

               

            
	
              SECTION
                3.01

            	
              Servicer
                to Service Mortgage Loans.

            
	
              SECTION
                3.02

            	
              Subservicing;
                Enforcement of the Obligations of Subservicers.

            
	
              SECTION
                3.03

            	
              [Reserved].

            
	
              SECTION
                3.04

            	
              Trustee
                to Act as Servicer.

            
	
              SECTION
                3.05

            	
              Collection
                of Mortgage Loans; Collection Accounts; Certificate Account; Pre-Funding
                Account; Capitalized Interest Account.

            
	
              SECTION
                3.06

            	
              Establishment
                of and Deposits to Escrow Accounts; Permitted Withdrawals from Escrow
                Accounts; Payments of Taxes, Insurance and Other
                Charges.

            
	
              SECTION
                3.07

            	
              Access
                to Certain Documentation and Information Regarding the Mortgage Loans;
                Inspections.

            
	
              SECTION
                3.08

            	
              Permitted
                Withdrawals from the Collection Accounts and Certificate
                Account.

            
	
              SECTION
                3.09

            	
              Maintenance
                of Hazard Insurance and Mortgage Impairment Insurance; Claims; Restoration
                of Mortgaged Property.

            
	
              SECTION
                3.10

            	
              Enforcement
                of Due-on-Sale Clauses; Assumption Agreements.

            
	
              SECTION
                3.11

            	
              Realization
                Upon Defaulted Mortgage Loans; Repurchase of Certain Mortgage
                Loans.

            
	
              SECTION
                3.12

            	
              Trustee
                to Cooperate; Release of Mortgage Files.

            
	
              SECTION
                3.13

            	
              Documents,
                Records and Funds in Possession of a Servicer to be Held for the
                Trustee.

            
	
              SECTION
                3.14

            	
              Servicing
                Fee.

            
	
              SECTION
                3.15

            	
              Access
                to Certain Documentation.

            
	
              SECTION
                3.16

            	
              Annual
                Statement as to Compliance.

            
	
              SECTION
                3.17

            	
              Assessments
                of Compliance and Attestation Reports.

            
	
              SECTION
                3.18

            	
              Maintenance
                of Fidelity Bond and Errors and Omissions Insurance.

            
	
              SECTION
                3.19

            	
              Duties
                of the Credit Risk Manager.

            
	
              SECTION
                3.20

            	
              Limitation
                Upon Liability of the Credit Risk Manager.

            
	
              SECTION
                3.21

            	
              Advance
                Facility.

            
	
              SECTION
                3.22

            	
              Special
                Serviced Mortgage Loans

            
	
              SECTION
                3.23

            	
              Basis
                Risk Reserve Fund.

            
	
              SECTION
                3.24

            	
              Termination
                Test; Certificateholder Vote.

               

            
	
              ARTICLE
                IV 

              DISTRIBUTIONS
                AND ADVANCES BY THE SERVICER

               

            
	
              SECTION
                4.01

            	
              Advances
                by the Servicer.

            
	
              SECTION
                4.02

            	
              Priorities
                of Distribution.

            
	
              SECTION
                4.03

            	
              [Reserved].

            
	
              SECTION
                4.04

            	
              [Reserved].

            
	
              SECTION
                4.05

            	
              Allocation
                of Realized Losses.

            
	
              SECTION
                4.06

            	
              Monthly
                Statements to Certificateholders.

            
	
              SECTION
                4.07

            	
              Distributions
                on the REMIC 1 Regular Interests and REMIC 2 Regular
                Interests.

            
	
              SECTION
                4.08

            	
              [Reserved].

            
	
              SECTION
                4.09

            	
              Prepayment
                Charges.

            
	
              SECTION
                4.10

            	
              Servicer
                to Cooperate.

            
	
              SECTION
                4.11

            	
              The
                Swap Agreement; Supplemental Interest Trust.

               

            
	
              ARTICLE
                V 

              THE
                CERTIFICATES

               

            
	
              SECTION
                5.01

            	
              The
                Certificates.

            
	
              SECTION
                5.02

            	
              Certificate
                Register; Registration of Transfer and Exchange of
                Certificates.

            
	
              SECTION
                5.03

            	
              Mutilated,
                Destroyed, Lost or Stolen Certificates.

            
	
              SECTION
                5.04

            	
              Persons
                Deemed Owners.

            
	
              SECTION
                5.05

            	
              Access
                to List of Certificateholders’ Names and Addresses.

            
	
              SECTION
                5.06

            	
              Maintenance
                of Office or Agency.

               

            
	
              ARTICLE
                VI 

              THE
                DEPOSITOR, THE SELLER, THE SERVICER AND ANY SPECIAL SERVICER

               

            
	
              SECTION
                6.01

            	
              Respective
                Liabilities of the Depositor, the Seller, the Servicer and the Special
                Servicer.

            
	
              SECTION
                6.02

            	
              Merger
                or Consolidation of the Depositor, the Seller, the Servicer or any
                Special
                Servicer.

            
	
              SECTION
                6.03

            	
              Limitation
                on Liability of the Depositor, the Seller, the Servicer, any Special
                Servicer and Others.

            
	
              SECTION
                6.04

            	
              Limitation
                on Resignation of the Servicer.

               

            
	
              ARTICLE
                VII 

              DEFAULT

               

            
	
              SECTION
                7.01

            	
              Events
                of Default.

            
	
              SECTION
                7.02

            	
              Trustee
                to Act; Appointment of Successor.

            
	
              SECTION
                7.03

            	
              Notification
                to Certificateholders.

               

            
	
              ARTICLE
                VIII 

              CONCERNING
                THE TRUSTEE

               

            
	
              SECTION
                8.01

            	
              Duties
                of the Trustee.

            
	
              SECTION
                8.02

            	
              Certain
                Matters Affecting the Trustee.

            
	
              SECTION
                8.03

            	
              Trustee
                Not Liable for Certificates or Mortgage Loans.

            
	
              SECTION
                8.04

            	
              Trustee
                May Own Certificates.

            
	
              SECTION
                8.05

            	
              Trustee’s
                Fees and Expenses.

            
	
              SECTION
                8.06

            	
              Eligibility
                Requirements for the Trustee and Custodian.

            
	
              SECTION
                8.07

            	
              Resignation
                and Removal of the Trustee.

            
	
              SECTION
                8.08

            	
              Successor
                Trustee.

            
	
              SECTION
                8.09

            	
              Merger
                or Consolidation of the Trustee.

            
	
              SECTION
                8.10

            	
              Appointment
                of Co-Trustee or Separate Trustee.

            
	
              SECTION
                8.11

            	
              Tax
                Matters.

            
	
              SECTION
                8.12

            	
              Commission
                Reporting.

               

            
	
              ARTICLE
                IX 

              TERMINATION

               

            
	
              SECTION
                9.01

            	
              Termination
                upon Liquidation or Purchase of the Mortgage Loans.

            
	
              SECTION
                9.02

            	
              Final
                Distribution on the Certificates.

            
	
              SECTION
                9.03

            	
              Additional
                Termination Requirements.

            
	
              SECTION
                9.04

            	
              Determination
                of the Terminating Entity.

               

            
	
              ARTICLE
                X 

              MISCELLANEOUS
                PROVISIONS

               

            
	
              SECTION
                10.01

            	
              Amendment.

            
	
              SECTION
                10.02

            	
              Recordation
                of Agreement; Counterparts.

            
	
              SECTION
                10.03

            	
              Governing
                Law.

            
	
              SECTION
                10.04

            	
              [Reserved].

            
	
              SECTION
                10.05

            	
              Notices.

            
	
              SECTION
                10.06

            	
              Severability
                of Provisions.

            
	
              SECTION
                10.07

            	
              Assignment.

            
	
              SECTION
                10.08

            	
              Limitation
                on Rights of Certificateholders.

            
	
              SECTION
                10.09

            	
              Certificates
                Nonassessable and Fully Paid.

            
	
              SECTION
                10.10

            	
              Non-Solicitation

            
	
              SECTION
                10.11

            	
              Third
                Party Beneficiary

            
	 	 
	 	 
	
              EXHIBITS

            	 
	 	 
	
              EXHIBIT
                A.

            	
              Form
                of Class A Certificates

            
	
              EXHIBIT
                B.

            	
              Form
                of Subordinate Certificate

            
	
              EXHIBIT
                C.

            	
              Form
                of Residual Certificate

            
	
              EXHIBIT
                D.

            	
              Form
                of Notional Amount Certificate

            
	
              EXHIBIT
                E.

            	
              Form
                of Class P Certificate

            
	
              EXHIBIT
                F.

            	
              Form
                of Reverse Certificates

            
	
              EXHIBIT
                G.

            	
              Form
                of Initial Certification of Custodian

            
	
              EXHIBIT
                H.

            	
              Form
                of Final Certification of Custodian

            
	
              EXHIBIT
                I.

            	
              Transfer
                Affidavit

            
	
              EXHIBIT
                J.

            	
              Form
                of Transferor Certificate

            
	
              EXHIBIT
                K.

            	
              Form
                of Investment Letter (Non-Rule 144A)

            
	
              EXHIBIT
                L.

            	
              Form
                of Rule 144A Letter

            
	
              EXHIBIT
                M.

            	
              Request
                for Release

            
	
              EXHIBIT
                N.

            	
              Form
                of Subsequent Transfer Agreement

            
	
              EXHIBIT
                O-1.

            	
              Form
                of Collection Account Certification

            
	
              EXHIBIT
                O-2.

            	
              Form
                of Collection Account Letter Agreement

            
	
              EXHIBIT
                P-1.

            	
              Form
                of Escrow Account Certification 

            
	
              EXHIBIT
                P-2.

            	
              Form
                of Escrow Account Letter Agreement

            
	
              EXHIBIT
                Q.

            	
              [Reserved]
                

            
	
              EXHIBIT
                R-1.

            	
              Form
                of Custodial Agreement for LaSalle Bank National
                Association

            
	
              EXHIBIT
                R-2.

            	
              [Reserved].

            
	
              EXHIBIT
                R-3.

            	
              [Reserved]

            
	
              EXHIBIT
                S.

            	
              [Reserved]

            
	
              EXHIBIT
                T.

            	
              [Reserved]

            
	
              EXHIBIT
                U.

            	
              Charged
                Off Loan Data Report

            
	
              EXHIBIT
                V.

            	
              Form
                of Monthly Statement to Certificateholders

            
	
              EXHIBIT
                W.

            	
              Form
                of Depositor Certification

            
	
              EXHIBIT
                X.

            	
              Form
                of Trustee Certification

            
	
              EXHIBIT
                Y.

            	
              Form
                of Servicer Certification

            
	
              EXHIBIT
                Z.

            	
              Information
                to be Provided by Servicer to Trustee

            
	
              EXHIBIT
                AA

            	
              Form
                of Limited Power of Attorney

            
	
              EXHIBIT
                BB.

            	
              [Reserved]

            
	
              EXHIBIT
                CC

            	
              Form
                of ISDA Master Agreement

            
	
              EXHIBIT
                DD

            	
              Form
                of Confirmation to the Swap Agreement

            
	
              EXHIBIT
                EE

            	
              Servicing
                Criteria to Be Addressed in Assessment of Compliance

            
	
              EXHIBIT
                FF

            	
              Form
                10-D, Form 8-K and Form 10-K Reporting Responsibility

            
	
              EXHIBIT
                GG 

            	
              Form
                of Certification Regarding Substitution of Defective
                Loans

            
	
              SCHEDULE
                I

            	
              Mortgage
                Loan Schedule

            
	
              SCHEDULE
                II

            	
              Seller’s
                Representations and Warranties

            
	
              SCHEDULE
                IIIA

            	
              SPS
                Representations and Warranties

            
	
              SCHEDULE
                IIIB

            	
              [Reserved]

            
	
              SCHEDULE
                IIID

            	
              [Reserved]

            
	
              SCHEDULE
                IV

            	
              Representations
                and Warranties for the Mortgage
                Loans

            

    

    

    

    
      
        
        

      

      
        
        

        
          

        

      

      
        
        

      

    

    

    THIS
      POOLING AND SERVICING AGREEMENT, dated as of December 1, 2006, among CREDIT
      SUISSE FIRST BOSTON MORTGAGE SECURITIES CORP., a Delaware corporation, as
      depositor (the “Depositor”), DLJ MORTGAGE CAPITAL, INC., a Delaware corporation,
      as Seller (the “Seller”), SELECT PORTFOLIO SERVICING, INC., a Utah corporation,
      as servicer (the “Servicer” or “SPS”) and U.S. BANK NATIONAL ASSOCIATION, a
      national banking association organized under the laws of the United States,
      as
      trustee (the “Trustee”).

     

    WITNESSETH
      THAT

     

    In
      consideration of the mutual agreements herein contained, the parties hereto
      agree as follows:

     

    PRELIMINARY
      STATEMENT

     

    The
      Depositor intends to sell pass-through certificates (collectively, the
“Certificates”), to be issued hereunder in multiple classes, which in the
      aggregate will evidence the entire beneficial ownership interest in the Trust
      Fund created hereunder. The Certificates will consist of eighteen classes of
      certificates, designated as (i) the Class 1A-1 Certificates, (ii) the Class
      2A-1
      Certificates, (iii) the Class 2A-2 Certificates, (iv) the Class 2A-3
      Certificates, (v) the Class M-1 Certificates, (vi) the Class M-2 Certificates,
      (vii) the Class M-3 Certificates, (viii) the Class M-4 Certificates, (ix) the
      Class M-5 Certificates, (x) the Class M-6 Certificates, (xi) the Class M-7
      Certificates, (xii) the Class M-8 Certificates, (xiii) the Class M-9
      Certificates, (xiv) the Class P Certificates, (xv) the Class X-1 Certificates,
      (xvi) the Class X-2 Certificates, (xvii) the Class X-S Certificates and (xviii)
      the Class A-R Certificates.

     

    REMIC
      1

     

    As
      provided herein, the Trustee 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 (exclusive of the Pre-Funding Account, Basis Risk
      Reserve Fund, Swap Account, the Capitalized Interest Account, the Supplemental
      Interest Trust and the Subsequent Mortgage Loan Interest) 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 1.” The Class R-1
      Interest will represent the sole class of “residual interests” in REMIC 1 for
      purposes of the REMIC Provisions (as defined herein) under federal income tax
      law. The following table irrevocably sets forth the designation, the
      Uncertificated REMIC 1 Pass-Through Rate and the initial Uncertificated
      Principal Balance for each of the “regular interests” in REMIC 1 (the “REMIC 1
      Regular Interests”). None of the REMIC 1 Regular Interests will be certificated.
      The latest possible maturity date (determined for purposes of satisfying
      Treasury regulation Section 1.860G-1(a)(4)(iii)) of each of the REMIC 1 Regular
      Interests will be the Latest Possible Maturity Date as defined herein.

     

    
      	
              Designation

            	
              Uncertificated
                REMIC 1 Pass-Through Rate

            	
              Initial
                Uncertificated Principal Balance

            
	
              LTI-1

            	
              Variable(1)

            	
              $ 
                 35,387,402.37

            
	
              LTI-2

            	
              Variable(1)

            	
              $
                206,043,871.25

            
	
              LT2-PF

            	
              Variable(1)

            	
              $ 
                 33,568,726.38

            
	
              LTI-S1

            	
              Variable(1)

            	
              (2)

            
	
              LTI-S2

            	
              Variable(1)

            	
              (2)

            
	
              LTI-AR

            	
              Variable(1)

            	
              $
                100.00

            
	
              LTI-P

            	
              Variable(1)

            	
              $
                100.00

            

    

    ___________________

    
      	(1)  	
              Calculated
                as provided in the definition of Uncertificated REMIC 1 Pass-Through
                Rate.

            

    

     

    
      	(2)  	
              REMIC
                1 Regular Interest LTI-S1 and REMIC 1 Regular Interest LTI-S2 will
                not
                have an Uncertificated Principal Balance but will accrue interest
                on an
                uncertificated notional amount calculated in accordance with the
                definition of “Uncertificated Notional Amount”
                herein.

            

    

     

    REMIC
      2

     

    As
      provided herein, an election will be made to treat the segregated pool of assets
      consisting of the REMIC 1 Regular Interests as a REMIC for federal income tax
      purposes, and such segregated pool of assets will be designated as REMIC 2.
      The
      Class R-2 Interest will represent the sole class of “residual interests” in
      REMIC 2 for purposes of the REMIC Provisions under federal income tax law (the
      “Class R-2 Interest”). The following table irrevocably sets forth the
      designation, Uncertificated REMIC 2 Pass-Through Rate and initial Uncertificated
      Principal Balance for each of the “regular interests” in REMIC 2 (the “REMIC 2
      Regular Interests”). None of the REMIC 2 Regular Interests will be certificated.
      The latest possible maturity date (determined for purposes of satisfying
      Treasury regulation Section 1.860G-1(a)(4)(iii)) of each of the REMIC 2 Regular
      Interests will be the Latest Possible Maturity Date as defined herein.

     

    
      	
              Designation

            	
              Uncertificated
                REMIC 2 

              Pass-Through
                Rate

            	
              Initial
                Uncertificated Principal Balance

            
	
              MTI-1-A

            	
              Variable(1)

            	
              $ 
                 17,534,357.99

            
	
              MTI-1-B

            	
              Variable(1)

            	
              $ 
                 17,534,357.99

            
	
              MTI-2-A

            	
              Variable(1)

            	
              $
                118,728,142.01

            
	
              MTI-2-B

            	
              Variable(1)

            	
              $
                118,728,142.01

            
	
              MTI-S

            	
              (2)

            	
              (3)

            
	
              MTI-AR

            	
              Variable(1)

            	
              $
                100.00

            
	
              MTI-P

            	
              Variable(1)

            	
              $
                100.00

            
	
              MTI-1X1

            	
              Variable(1)

            	
              $
                      318,486.39

            
	
              MTI-2X1

            	
              Variable(1)

            	
              $  
                 2,156,513.61

            

    

    ___________________________

    
      	(1)  	
              Calculated
                in accordance with the definition of “Uncertificated REMIC 2 Pass-Through
                Rate” herein.

            

    

     

    
      	(2)  	
              REMIC
                2 Regular Interest MTI-S will not have an Uncertificated REMIC 2
                Pass-Through Rate, but will be entitled to 100% of the amounts distributed
                on REMIC 1 Regular Interest LTI-S1 and REMIC 1 Regular Interest
                LTI-S2.

            

    

     

    
      	(3)  	
              REMIC
                2 Regular Interest MTI-S will not have an Uncertificated Principal
                Balance, but will be entitled to 100% of the amounts distributed
                on REMIC
                1 Regular Interest LTI-S1 and REMIC 1 Regular Interest
                LTI-S2.

            

    

     

    REMIC
      3

     

    As
      provided herein, an election will be made to treat the segregated pool of assets
      consisting of the REMIC 2 Regular Interests as a REMIC for federal income tax
      purposes, and such segregated pool of assets will be designated as REMIC 3.
      The
      Class R-3 Interest will represent the sole class of “residual interests” in
      REMIC 3 for purposes of the REMIC Provisions under federal income tax law (the
      “Class R-3 Interest”). The following table irrevocably sets forth the
      designation, Uncertificated REMIC 3 Pass-Through Rate and initial Uncertificated
      Principal Balance for each of the “regular interests” in REMIC 3 (the “REMIC 3
      Regular Interests”). None of the REMIC 3 Regular Interests will be certificated.
      The latest possible maturity date (determined for purposes of satisfying
      Treasury regulation Section 1.860G-1(a)(4)(iii)) of each of the REMIC 3 Regular
      Interests will be the Latest Possible Maturity Date as defined herein.

     

    
      	
              Designation

            	
              Uncertificated
                REMIC 3 Pass-Through Rate

            	
              Initial
                Uncertificated Principal Balance

            
	
              MTII-AA

            	
              Variable(1)

            	
              $
                134,750,000.00

            
	
              MTII-1A-1

            	
              Variable(1)

            	
              $      
                 135,000.00

            
	
              MTII-2A-1

            	
              Variable(1)

            	
              $      
                 729,600.00

            
	
              MTII-2A-2

            	
              Variable(1)

            	
              $         
                 92,400.00

            
	
              MTII-2A-3

            	
              Variable(1)

            	
              $         
                 90,000.00

            
	
              MTII-M-1

            	
              Variable(1)

            	
              $         
                 69,475.00

            
	
              MTII-M-2

            	
              Variable(1)

            	
              $         
                 68,050.00

            
	
              MTII-M-3

            	
              Variable(1)

            	
              $         
                 29,550.00

            
	
              MTII-M-4

            	
              Variable(1)

            	
              $         
                 29,600.00

            
	
              MTII-M-5

            	
              Variable(1)

            	
              $         
                 30,250.00

            
	
              MTII-M-6

            	
              Variable(1)

            	
              $         
                 22,700.00

            
	
              MTII-M-7

            	
              Variable(1)

            	
              $         
                 24,050.00

            
	
              MTII-M-8

            	
              Variable(1)

            	
              $         
                 21,300.00

            
	
              MTII-M-9

            	
              Variable(1)

            	
              $         
                 20,650.00

            
	
              MTII-ZZ

            	
              Variable(1)

            	
              $   
                 1,387,375.00

            
	
              MTII-1SUB

            	
              Variable(1)

            	
              $         
                 83,874.02

            
	
              MTII-1GRP

            	
              Variable(1)

            	
              $       
                 353,874.02

            
	
              MTII-2SUB

            	
              Variable(1)

            	
              $       
                 572,125.98

            
	
              MTII-2GRP

            	
              Variable(1)

            	
              $    
                 2,396,127.98

            
	
              MTII-XX

            	
              Variable(1)

            	
              $
                134,093,998.00

            
	
              MTII-S

            	
              (2)

            	
              (3)

            
	
              MTII-P

            	
              Variable(1)

            	
              $              
                 100.00

            
	
              MTII-R

            	
              Variable(1)

            	
              $              
                 100.00

            
	
              MTII-IO

            	
              Variable(1)

            	
              (4)

            

    

    ___________________

    
      	(1)  	
              Calculated
                as provided in the definition of Uncertificated REMIC 3 Pass-Through
                Rate
                herein.

            

    

     

    
      	(2)  	
              REMIC
                3 Regular Interest MTII-S will not have an Uncertificated REMIC 3
                Pass-Through Rate, but will be entitled to 100% of the amounts distributed
                on REMIC 2 Regular Interest MTI-S.

            

    

     

    
      	(3)  	
              REMIC
                3 Regular Interest MTII-S will not have an Uncertificated Principal
                Balance, but will be entitled to 100% of the amounts distributed
                on REMIC
                2 Regular Interest MTI-S.

            

    

     

    
      	(4)  	
              REMIC
                3 Regular Interest MTII-IO will not have an Uncertificated Principal
                Balance but will accrue interest on its Uncertificated Notional
                Amount.

            

    

     

    REMIC
      4

     

    As
      provided herein, an election will be made to treat the segregated pool of assets
      consisting of the REMIC 3 Regular Interests as a REMIC for federal income tax
      purposes, and such segregated pool of assets will be designated as REMIC 4.
      The
      Class R-4 Interest will represent the sole class of “residual interests” in
      REMIC 4 for purposes of the REMIC Provisions under federal income tax law (the
      “Class R-4 Interest”). The following table irrevocably sets forth the
      designation, Pass-Through Rate, aggregate Initial Certificate Principal Balance
      and minimum denominations for each Class of Certificates comprising the
      interests representing “regular interests” in REMIC 4, and the Class A-R
      Certificates and Class X-2 Certificates which are not “regular interests” in
      REMIC 4. The latest possible maturity date (determined for purposes of
      satisfying Treasury regulation Section 1.860G-1(a)(4)(iii)) of each of the
      Regular Certificates will be the Latest Possible Maturity Date as defined
      herein.

     

    

    
      	 	
              Class
                Certificate Balance

            	
              Pass-Through
                Rate

            	
              Minimum
                Denomination

            	
              Integral
                Multiples in Excess of Minimum

            
	
              Class
                1A-1

            	
              $ 
                 27,000,000.00

            	
              Adjustable(1)

            	
              $ 25,000

            	
              $1

            
	
              Class
                2A-1

            	
              $
                145,920,000.00

            	
              Adjustable(1)

            	
              $ 25,000

            	
              $1

            
	
              Class
                2A-2

            	
              $ 
                 18,480,000.00

            	
              Adjustable(1)

            	
              $ 25,000

            	
              $1

            
	
              Class
                2A-3

            	
              $ 
                 18,000,000.00

            	
              Adjustable(1)

            	
              $ 25,000

            	
              $1

            
	
              Class
                P

            	
              $               
                 100.00

            	
              Variable(2)

            	
              $     
                 100

            	
              N/A

            
	
              Class
                A-R

            	
              $               
                 100.00

            	
              Variable(2)

            	
              $     
                 100

            	
              N/A

            
	
              Class
                M-1

            	
              $ 
                 13,895,000.00

            	
              Adjustable(1)

            	
              $ 25,000

            	
              $1

            
	
              Class
                M-2

            	
              $ 
                 13,610,000.00

            	
              Adjustable(1)

            	
              $ 25,000

            	
              $1

            
	
              Class
                M-3

            	
              $    
                 5,910,000.00

            	
              Adjustable(1)

            	
              $ 25,000

            	
              $1

            
	
              Class
                M-4

            	
              $    
                 5,920,000.00

            	
              Adjustable(1)

            	
              $ 25,000

            	
              $1

            
	
              Class
                M-5

            	
              $    
                 6,050,000.00

            	
              Adjustable(1)

            	
              $ 25,000

            	
              $1

            
	
              Class
                M-6

            	
              $    
                 4,540,000.00

            	
              Adjustable(1)

            	
              $ 25,000

            	
              $1

            
	
              Class
                M-7

            	
              $    
                 4,810,000.00

            	
              Adjustable(1)

            	
              $ 25,000

            	
              $1

            
	
              Class
                M-8

            	
              $    
                 4,260,000.00

            	
              Adjustable(1)

            	
              $ 25,000

            	
              $1

            
	
              Class
                M-9

            	
              $    
                 4,130,000.00

            	
              Adjustable(1)

            	
              $ 25,000

            	
              $1

            
	
              Class
                X-1

            	
              $    
                 2,475,000.00

            	
              Variable(3)(4)

            	
              100%

            	
              N/A

            
	
              Class
                X-2

            	
              $                   
                 0.00

            	
              0.00%

            	
              N/A

            	
              N/A

            
	
              Class
                X-S

            	
              $              
                 0.00(5)

            	
              (6)

            	
              100%

            	
              N/A

            
	
              Class
                IO Interest

            	
              (7)

            	
              (8)

            	
              N/A

            	
              N/A

            

    

    ______________

    
      	
              (1)

            	
              The
                Class 1A-1, Class 2A-1, Class 2A-2, Class 2A-3, Class M-1, Class
                M-2,
                Class M-3, Class M-4, Class M-6, Class M-7, Class M-8 and Class M-9
                Certificates have an adjustable rate and will receive interest pursuant
                to
                formulas based on LIBOR, subject to the applicable Net Funds
                Cap.

            

    

     

    
      	
              (2)

            	
              The
                initial pass-through rates on the Class P Certificates and Class
                A-R
                Certificates will be approximately 10.667% per annum which is equal
                to the
                weighted average of the Net Mortgage Rates on the Initial Group 2
                Loans
                and will vary after the first Distribution
                Date.

            

    

     

    
      	
              (3)

            	
              The
                Class X-1 Certificates will have an initial principal balance of
                $2,475,000.00 and will accrue interest on its notional amount. For
                any
                Distribution Date, the notional amount of the Class X-1 Certificates
                will
                be equal to the Aggregate Collateral Balance minus the aggregate
                Class
                Certificate Balance of the Class A-R Certificates and Class P Certificates
                immediately prior to such Distribution Date. The initial notional
                amount
                of the Class X-1 Certificates is
                $275,000,000.

            

    

     

    
      	
              (4)

            	
              The
                Class X-1 Certificates are variable rate and will accrue interest
                on a
                notional amount.

            

    

     

    
      	
              (5)

            	
              For
                federal income tax purposes, the Class X-S Certificates will not
                have a
                Class Principal Balance, be entitled to 100% of the amounts distributed
                on
                REMIC 3 Regular Interest MTII-S.

            

    

     

    
      	
              (6)

            	
              The
                Class X-S Certificates are an interest only Class and for each
                Distribution Date the Class X-S Certificates shall receive the aggregate
                Excess Servicing Fee. For federal income tax purposes, the Class
                X-S
                Certificates will not have a Pass-Through Rate, but will be entitled
                to
                100% of the amounts distributed on REMIC 3 Regular Interest
                MTII-S.

            

    

     

    
      	
              (7)

            	
              The
                Class IO Interest will be held as an asset of the Swap Account established
                by the Trustee. The Class IO Interest will not have a Class Principal
                Balance, but will be entitled to 100% of the amounts distributed
                on REMIC
                3 Regular Interest MTII-IO. 

            

    

     

    
      	
              (8)

            	
              The
                Class IO Interest will not have a Pass-Through Rate, but will be
                entitled
                to 100% of the amounts distributed on REMIC 3 Regular Interest
                MTII-IO.

            

    

    
      
        
        

      

      
        
        

        
          

        

      

      
        
        

      

    

    

     

    Set
      forth
      below are designations of Classes of Certificates to the categories used
      herein:

     

    Book-Entry
      Certificates                                               
 All
      Classes of Certificates other than the Physical Certificates.

     

    ERISA-Restricted
      Certificates                                    
 Class
      A-R, Class P and Class X Certificates.

     

    LIBOR
      Certificates                                                      
 Class
      1A-1,
      Class 2A-1, Class 2A-2, Class 2A-3, Class M-1, Class M-2, Class M-3, Class
      M-4,
      Class M-5, Class M-6, Class M-7, Class M-8 and Class M-9
      Certificates.

     

    Notional
      Amount
      Certificates                                     
 Class
      X-1
      Certificates and Class X-S Certificates.

     

    Class
      A
      Certificates                                                      
 Class
      1A-1, Class 2A-1, Class 2A-2, Class 2A-3 and Class A-R
      Certificates.

     

    Class
      M
      Certificates                                                     
 Class
      M-1, Class M-2, Class M-3, Class M-4, Class M-5, Class M-6, Class M-7, Class
      M-8
      and Class M-9 Certificates.

     

    Class
      X
      Certificates                                                      
 Class
      X-1, Class X-2 and Class X-S Certificates.

     

    Offered
      Certificates                                                     
 All
      Classes of Certificates (other than the Class P Certificates and Class X
      Certificates).

     

    Physical
      Certificates                                                    
 Class
      A-R, Class P and Class X Certificates.

     

    Private
      Certificates                                                       
 Class
      P
      Certificates and Class X Certificates.

     

    Rating
      Agencies                                                            
 S&P
      and Moody’s.

     

    Regular
      Certificates                                                       All
      Classes of Certificates other than the Class A-R Certificates and Class X-2
      Certificates.

     

    Residual
      Certificates                                                    
 Class
      A-R
      Certificates.

     

    Senior
      Certificates                                                       
 Class
      1A-1, Class 2A-1, Class 2A-2, Class 2A-3, Class P and Class A-R
      Certificates.

     

    Subordinate
      Certificates                                            
 Class
      M-1, Class M-2, Class M-3, Class M-4, Class M-5, Class M-6, Class M-7, Class
      M-8, Class M-9 and Class X-1 Certificates.

     

    Minimum
      Denominations                                            
 Class
      1A-1, Class 2A-1, Class 2A-2, Class 2A-3, Class M-1, Class M-2, Class M-3,
      Class
      M-4, Class M-5, Class M-6, Class M-7, Class M-8 and Class M-9 Certificates:
      $25,000 and multiples of $1 in excess thereof. 

     

    Class
      A-R
      Certificates and Class P Certificates: $100. The Class X-1 Certificates will
      be
      issued as a single Certificate with a Certificate Principal Balance of
      $2,475,000. The Class X-2 Certificates will be issued as a single Certificate
      and will not have a principal balance. The Class X-S Certificates will be issued
      as a single Certificate with an initial Notional Amount of $241,431,473.62.

    

    

    
      
        
        

      

      
        
        

        
          

        

      

      
        
        

      

    

     

    

    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 following meanings:

     

    Accepted
      Servicing Practices: With respect to any Mortgage Loan, those mortgage servicing
      practices of prudent mortgage lending institutions which service mortgage loans
      of the same type as such Mortgage Loan in the jurisdiction where the related
      Mortgaged Property is located.

     

    Additional
      Form 10-D Disclosure: As defined in Section 8.12(a)(i).

     

    Additional
      Form 10-K Disclosure: As defined in Section 8.12(a)(iii).

     

    Advance:
      The payment required to be made by a Servicer with respect to any Distribution
      Date pursuant to Section 4.01.

     

    Affected
      Party: As defined in the Swap Agreement.

     

    Aggregate
      Collateral Balance: As of any date of determination will be equal to the
      Aggregate Loan Balance plus the amount, if any, then on deposit in the
      Pre-Funding Account.

     

    Aggregate
      Loan Balance: As of any Distribution Date will be equal to the aggregate of
      the
      Stated Principal Balances of the Mortgage Loans determined as of the last day
      of
      the related Collection Period.

     

    Aggregate
      Loan Group Balance:
      As
      of an
      date of determination and Loan Group, will be equal to the aggregated Stated
      Principal Balance of the Mortgage Loans in that Loan Group, except as otherwise
      provided herein, as of the last day of the related Collection
      Period.

     

    Aggregate
      Loan Group Collateral Balance: As
      of any
      date of determination and loan group, will be equal to the applicable Aggregate
      Loan Group Balance plus in the case of Loan Group 2, the amount, if any, then
      on
      deposit in the Pre-Funding Account. 

     

    Aggregate
      Subsequent Transfer Amount: With respect to any Subsequent Transfer Date, the
      aggregate Stated Principal Balance as of the applicable Cut-off Date of the
      Subsequent Mortgage Loans conveyed on such Subsequent Transfer Date, as listed
      on the revised Mortgage Loan Schedule delivered pursuant to Section 2.01(b);
      provided,
      however,
      that
      such amount shall not exceed the amount on deposit in the Pre-Funding
      Account.

     

    Agreement:
      This Pooling and Servicing Agreement and all amendments or supplements
      hereto.

     

    Ancillary
      Income: All income derived from the Mortgage Loans, other than Servicing Fees
      and Prepayment Charges, including but not limited to, late charges, fees
      received with respect to checks or bank drafts returned by the related bank
      for
      non-sufficient funds, assumption fees, optional insurance administrative fees
      and all other incidental fees and charges.

     

    Annual
      Statement of Compliance: As defined in Section 3.16.

     

    Applied
      Loss Amount: As to any Distribution Date, an amount equal to the excess, if
      any
      of (i) the aggregate Class Principal Balance of the Certificates after giving
      effect to all Realized Losses incurred with respect to the Mortgage Loans during
      the Due Period for such Distribution Date and payments of principal on such
      Distribution Date and any amounts on deposit in the Swap Account over (ii)
      the
      Aggregate Collateral Balance for such Distribution Date.

     

    Appraised
      Value: The amount set forth in an appraisal of the related Mortgage Loan as
      the
      value of the Mortgaged Property.

     

    Assessment
      of Compliance: As defined in Section 3.17.

     

    Assignment
      Agreement: An assignment agreement between DLJ Mortgage Capital, Inc. as Seller
      and the Depositor, whereby the Mortgage Loans are transferred and limited
      representations and warranties relating to the Mortgage Loans are
      made.

     

    Assignment
      of Mortgage: An assignment of the Mortgage, notice of transfer or equivalent
      instrument in recordable form (except for the omission of the name of the
      assignee if such Mortgage is endorsed in blank), sufficient under the laws
      of
      the jurisdiction wherein the related Mortgaged Property is located to reflect
      the transfer of the Mortgage to the Trustee for the benefit of the
      Certificateholders.

     

    Attestation
      Report: As defined in Section 3.17.

     

    Available
      Funds: With respect to any Distribution Date (A) the sum of (i) all Scheduled
      Payments (net of the related Expense Fees (other than the Excess Servicing
      Fee))
      due on the Due Date in the month in which such Distribution Date occurs and
      received prior to the related Determination Date, together with any Advances
      in
      respect thereof required pursuant to Section 4.01; (ii) all Insurance Proceeds,
      Liquidation Proceeds and Net Recoveries received during the month preceding
      the
      month of such Distribution Date; (iii) all Curtailments and Payoffs received
      during the Prepayment Period applicable to such Distribution Date (excluding
      Prepayment Charges); (iv) amounts received with respect to such Distribution
      Date as the Substitution Adjustment Amount or Repurchase Price; (v) Compensating
      Interest Payments for such Distribution Date; (vi) with respect to the
      Distribution Date in March 2007, the amount remaining in the Pre-Funding Account
      at the end of the Pre-Funding Period; (vii) any amounts withdrawn from the
      Capitalized Interest Account to pay interest on the Certificates with respect
      to
      such Distribution Date and (viii) amounts withdrawn from the Swap Account and
      added to the Principal Remittance Amount for such Distribution Date minus (B)
      the sum of (i) amounts payable by the Supplemental Interest Trust to the
      Counterparty in respect of Net Swap Payments and Swap Termination Payments
      (other than Swap Termination Payments resulting from a Counterparty Trigger
      Event and to the extent not paid by the Supplemental Interest Trust Trustee
      from
      any upfront payment received pursuant to any related replacement swap agreement
      that may be entered into by the Supplemental Interest Trust Trustee) for such
      Distribution Date (or, if such Distribution Date is not also a Swap Payment
      Date, for the related Swap Payment Date) and (ii) as to clauses (A)(i) through
      (iv) above, reduced by amounts in reimbursement for Advances previously made
      and
      other amounts as to which the Servicer are entitled to be reimbursed pursuant
      to
      Section 3.08. 

     

    Bankruptcy
      Code: The United States Bankruptcy Reform Act of 1978, as amended.

     

    Basis
      Risk Reserve Fund: The separate Eligible Account created and initially
      maintained by the Trustee pursuant to Section 3.23 in the name of the Trustee
      for the benefit of the Certificateholders. Funds in the Basis Risk Reserve
      Fund
      shall be held in trust for the holders of the Class A Certificates and Class
      M
      Certificates for the uses and purposes set forth herein. The Basis Risk Reserve
      Fund will be an “outside reserve fund” within the meaning of Treasury regulation
      Section 1.860G-2(h) established and maintained pursuant to Section 3.23. The
      Basis Risk Reserve Fund is not an asset of any REMIC. Ownership of the Basis
      Risk Reserve Fund is evidenced by the Class X-1 Certificates.

     

    Basis
      Risk Shortfall: For each Class of LIBOR Certificates and any Distribution
      Date, the sum of:

     

    (1) the
      excess, if any, of (A) the related Current Interest for such
      Class calculated on the basis of LIBOR plus the applicable Certificate
      Margin with respect to each such Class of Certificates over (B) Current Interest
      for such Class calculated on the basis of the applicable Net Funds Cap, for
      the applicable Distribution Date;

     

    (2) any
      amounts relating to clause (1) remaining unpaid from prior Distribution Dates,
      and

     

    (3) interest
      on the amount in clause (2) calculated using  LIBOR plus the applicable
      Certificate Margin with respect to each such Class of Certificates.

     

    Book-Entry
      Certificates: As specified in the Preliminary Statement.

     

    Business
      Day: Any day other than (i) a Saturday or a Sunday, or (ii) a day on which
      banking institutions in the City of New York, New York, or the city in which
      the
      Corporate Trust Office of the Trustee, or the states in which any Servicer’s
      servicing operations are located, or savings and loan institutions in the States
      of Illinois, Minnesota or Utah is located are authorized or obligated by law
      or
      executive order to be closed.

     

    Capitalized
      Interest Account: The separate Eligible Account designated as such and created
      and maintained by the Trustee pursuant to Section 3.05(g) hereof. The
      Capitalized Interest Account shall be treated as an “outside reserve fund” under
      applicable Treasury regulations and shall not be part of any REMIC. Except
      as
      provided in Section 3.05(g) hereof, any investment earnings on the Capitalized
      Interest Account shall be treated as owned by the Depositor and will be taxable
      to the Depositor.

     

    Capitalized
      Interest Deposit: $266,513.17.

     

    Capitalized
      Interest Requirement: With respect to the December 2006 Distribution Date,
      an
      amount equal to interest accruing during the related Interest Accrual Period
      for
      the LIBOR Certificates at a per annum rate equal to (x) the weighted average
      Pass-Through Rate of the Offered Certificates multiplied by (y) the Pre-Funded
      Amount outstanding at the end of the related Due Period. With respect to the
      January 2007 Distribution Date, an amount equal to interest accruing during
      the
      related Interest Accrual Period for the LIBOR Certificates at a per annum rate
      equal to (x) the weighted average Pass-Through Rate of the Offered Certificates
      for such Distribution Date multiplied by (y) the sum of (c) the Pre-Funded
      Amount at the end of the related Due Period and (d) the aggregate Stated
      Principal Balance of the Subsequent Mortgage Loans that do not have a first
      Due
      Date prior to February 1, 2007, transferred to the Trust during the related
      Due
      Period. With respect to the March 2007 Distribution Date, an amount equal to
      interest accruing during the related Interest Accrual Period for the LIBOR
      Certificates at a per annum rate equal to (x) the weighted average Pass-Through
      Rate of the Offered Certificates for such Distribution Date multiplied by (y)
      the sum of (c) the Pre-Funded Amount at the end of the related Due Period and
      (d) the aggregate Stated Principal Balance of the related Subsequent Mortgage
      Loans that do not have a first Due Date prior to March 1, 2007, transferred
      to
      the Trust during the related Due Period.

     

    Capitalization
      Reimbursement Amount: For any Distribution Date, the aggregate of the amounts
      added to the Stated Principal Balances of the Mortgage Loans during the
      preceding calendar month representing reimbursements to the Servicer on or
      prior
      to such Distribution Date in connection with the modification of such Mortgage
      Loans pursuant to Section 3.05(a).

     

    Carryforward
      Interest: For any Class of Certificates and any Distribution Date, the sum
      of
      (1) the amount, if any, by which (x) the sum of (A) Current Interest for such
      Class for the immediately preceding Distribution Date and (B) any unpaid
      Carryforward Interest from previous Distribution Dates exceeds (y) the amount
      paid in respect of interest on such Class on such immediately preceding
      Distribution Date, and (2) interest on such amount for the related Interest
      Accrual Period at the applicable Pass-Through Rate.

     

    Certificate:
      Any one of the Certificates executed by the Trustee in substantially the forms
      attached hereto as exhibits.

     

    Certificates:
      As specified in the Preliminary Statement.

     

    Certificate
      Account: The separate Eligible Account created and maintained with the Trustee,
      or any other bank or trust company acceptable to the Rating Agencies which
      is
      incorporated under the laws of the United States or any state thereof pursuant
      to Section 3.05, which account shall bear a designation clearly indicating
      that
      the funds deposited therein are held in trust for the benefit of the Trustee
      on
      behalf of the Certificateholders or any other account serving a similar function
      acceptable to the Rating Agencies. Funds in the Certificate Account may (i)
      be
      held uninvested without liability for interest or compensation thereon or (ii)
      be invested at the direction of the Trustee in Eligible Investments and
      reinvestment earnings thereon (net of investment losses) shall be paid to the
      Trustee. Funds deposited in the Certificate Account (exclusive of the Trustee
      Fee and other amounts permitted to be withdrawn pursuant to Section 3.08) shall
      be held in trust for the Certificateholders.

     

    Certificate
      Balance: With respect to any Certificate at any date, the maximum dollar amount
      of principal to which the Holder thereof is then entitled hereunder, such amount
      being equal to the Denomination thereof minus the sum of (i) all distributions
      of principal previously made with respect thereto and (ii) all Realized Losses
      allocated thereto and, in the case of any Subordinate Certificates, all other
      reductions in Certificate Balance previously allocated thereto pursuant to
      Section 4.05.

     

    Certificate
      Margin: As to each Class of LIBOR Certificates, the applicable amount set forth
      below:

     

    
      	
              Class

            	
              Certificate
                Margin

            
	 	
              (1)

            	
              (2)

            
	
              Class
                1A-1

            	
              0.120%

            	
              0.240%

            
	
              Class
                2A-1

            	
              0.100%

            	
              0.200%

            
	
              Class
                2A-2

            	
              0.210%

            	
              0.420%

            
	
              Class
                2A-3

            	
              0.250%

            	
              0.500%

            
	
              Class
                M-1

            	
              0.350%

            	
              0.525%

            
	
              Class
                M-2

            	
              0.380%

            	
              0.570%

            
	
              Class
                M-3

            	
              0.410%

            	
              0.615%

            
	
              Class
                M-4

            	
              0.500%

            	
              0.750%

            
	
              Class
                M-5

            	
              0.570%

            	
              0.855%

            
	
              Class
                M-6

            	
              0.650%

            	
              0.975%

            
	
              Class
                M-7

            	
              1.300%

            	
              1.800%

            
	
              Class
                M-8

            	
              1.700%

            	
              2.200%

            
	
              Class
                M-9

            	
              3.000%

            	
              3.500%

            

    

    _________________

    
      	
              (1)

            	
              On
                or prior to the Optional Termination
                Date.

            

    

     

    
      	
              (2)

            	
              After
                the Optional Termination Date.

            

    

     

    Certificate
      Owner: With respect to a Book-Entry Certificate, the Person who is the
      beneficial owner of such Book-Entry Certificate.

     

    Certificate
      Register: The register maintained pursuant to Section 5.02.

     

    Certificateholder
      or Holder: The person in whose name a Certificate is registered in the
      Certificate Register, except that, solely for the purpose of giving any consent
      pursuant to this Agreement, any Certificate registered in the name of the
      Depositor or any affiliate of the Depositor shall be deemed not to be
      Outstanding and the Percentage Interest evidenced thereby shall not be taken
      into account in determining whether the requisite amount of Percentage Interests
      necessary to effect such consent has been obtained; provided, however, that
      if
      any such Person (including the Depositor) owns 100% of the Percentage Interests
      evidenced by a Class of Certificates, such Certificates shall be deemed to
      be
      Outstanding for purposes of any provision hereof that requires the consent
      of
      the Holders of Certificates of a particular Class as a condition to the taking
      of any action hereunder. The Trustee is entitled to rely conclusively on a
      certification of the Depositor or any affiliate of the Depositor in determining
      which Certificates are registered in the name of an affiliate of the
      Depositor.

     

    Charged
      Off Loan: With respect to any Distribution Date, a defaulted Mortgage Loan
      that
      has not yet been liquidated, giving rise to a Realized Loss, on the date on
      which the Servicer determines, pursuant to the procedures set forth in Section
      3.11, that there will be (i) no Significant Net Recoveries with respect to
      such
      Mortgage Loan or (ii) the potential Net Recoveries are anticipated to be an
      amount, determined by the Servicer in its good faith judgment and in light
      of
      other mitigating circumstances, that is insufficient to warrant proceeding
      through foreclosure or other liquidation of the related Mortgaged
      Property.

     

    Class:
      All Certificates bearing the same class designation as set forth in the
      Preliminary Statement.

     

    Class
      A-R
      Certificates: The Class A-R Certificates represents beneficial ownership of
      the
      Class R-1 Interest, Class R-2 Interest, Class R-3 Interest and Class R-4
      Interest.

     

    Class
      1A-1 Pass-Through Rate: With respect to the initial Interest Accrual Period,
      based on a LIBOR determination date of December 27, 2006, 5.47% per annum.
      With
      respect to any Interest Accrual Period thereafter, will be a per annum rate
      equal to the lesser of (i) the sum of LIBOR plus the related Certificate Margin
      and (ii) the Group 1 Senior Net Funds Cap.

     

    Class
      2A-1 Pass-Through Rate: With respect to the initial Interest Accrual Period,
      based on a LIBOR determination date of December 27, 2006, 5.45% per annum.
      With
      respect to any Interest Accrual Period thereafter, will be a per annum rate
      equal to the lesser of (i) the sum of LIBOR plus the related Certificate Margin
      and (ii) the Group 2 Senior Net Funds Cap.

     

    Class
      2A-2 Pass-Through Rate: With respect to the initial Interest Accrual Period,
      based on a LIBOR determination date of December 27, 2006, 5.56% per annum.
      With
      respect to any Interest Accrual Period thereafter, will be a per annum rate
      equal to the lesser of (i) the sum of LIBOR plus the related Certificate Margin
      and (ii) the Group 2 Senior Net Funds Cap.

     

    Class
      2A-3 Pass-Through Rate: With respect to the initial Interest Accrual Period,
      based on a LIBOR determination date of December 27, 2006, 5.60% per annum.
      With
      respect to any Interest Accrual Period thereafter, will be a per annum rate
      equal to the lesser of (i) the sum of LIBOR plus the related Certificate Margin
      and (ii) the Group 2 Senior Net Funds Cap.

     

    Class
      A-R
      Pass-Through Rate: With respect to the Distribution Date in January 2007,
      February 2007 or March 2007, a per annum rate equal to the Initial Group 2
      Loan
      Net WAC Rate, and with respect to any Distribution Date thereafter, a per annum
      rate equal to the Net Funds Cap. For federal income tax purposes, however,
      with
      respect to any Distribution Date, the Class A-R Certificates will be entitled
      to
      100% of the interest accrued on REMIC 3 Regular Interest MTII-R.

     

    Class
      IO
      Distribution Amount: As defined in Section 4.11 hereof. For
      purposes of clarity, the Class IO Distribution Amount for any Distribution
      Date
      shall equal the amount payable to the Supplemental Interest Trust on such
      Distribution Date in excess of the amount payable on the Class IO Interest
      on
      such Distribution Date, all as further provided in Section 4.11
      hereof.

     

    Class
      M-1
      Pass-Through Rate: With respect to the initial Interest Accrual Period, based
      on
      a LIBOR determination date of December 27, 2006, 5.70% per annum. With respect
      to any Interest Accrual Period thereafter, will be a per annum rate equal to
      the
      lesser of (i) the sum of LIBOR plus the related Certificate Margin and (ii)
      the
      Subordinate Net Funds Cap.

     

    Class
      M-1
      Principal Payment Amount: For any Distribution Date on or after the Stepdown
      Date and as long as a Trigger Event is not in effect with respect to such
      Distribution Date, will be the lesser of (1) the Class Principal Balance of
      the
      Class M-1 Certificates immediately preceding such Distribution Date and (2)
      the
      amount, if any, by which (x) the sum of (i) the aggregate Class Principal
      Balance of the Class 1A-1, Class 2A-1, Class 2A-2, Class 2A-3, Class P and
      Class
      A-R Certificates, in each case, after giving effect to payments on such
      Distribution Date and (ii) the Class Principal Balance of the Class M-1
      Certificates immediately prior to such Distribution Date exceeds (y) the lesser
      of (A) the product of (i) 53.60% and (ii) the Aggregate Collateral Balance
      for
      such Distribution Date and (B) the amount, if any, by which (i) the Aggregate
      Collateral Balance for such Distribution Date exceeds (ii) 0.50% of the
      Aggregate Collateral Balance as of the Cut-off Date.

     

    Class
      M-2
      Pass-Through Rate: With respect to the initial Interest Accrual Period, based
      on
      a LIBOR determination date of December 27, 2006, 5.73% per annum. With respect
      to any Interest Accrual Period thereafter, will be a per annum rate equal to
      the
      lesser of (i) the sum of LIBOR plus the related Certificate Margin and (ii)
      the
      Subordinate Net Funds Cap.

     

    Class
      M-2
      Principal Payment Amount: For any Distribution Date on or after the Stepdown
      Date and as long as a Trigger Event is not in effect with respect to such
      Distribution Date, will be the lesser of (1) the Class Principal Balance of
      the
      Class M-2 Certificates immediately preceding such Distribution Date and (2)
      the
      amount, if any, by which (x) the sum of (i) the aggregate Class Principal
      Balance of the Class 1A-1, Class 2A-1, Class 2A-2, Class 2A-3, Class P, Class
      A-R and Class M-1 Certificates, in each case, after giving effect to payments
      on
      such Distribution Date and (ii) the Class Principal Balance of the Class M-2
      Certificates immediately prior to such Distribution Date exceeds (y) the lesser
      of (A) the product of (i) 63.49% and (ii) the Aggregate Collateral Balance
      for
      such Distribution Date and (B) the amount, if any, by which (i) the Aggregate
      Collateral Balance for such Distribution Date exceeds (ii) 0.50% of the
      Aggregate Collateral Balance as of the Cut-off Date.

     

    Class
      M-3
      Pass-Through Rate: With
      respect to the initial Interest Accrual Period, based on a LIBOR determination
      date of December 27, 2006, 5.76% per annum. With respect to any Interest Accrual
      Period thereafter, will be a per annum rate equal to the lesser of (i) the
      sum
      of LIBOR plus the related Certificate Margin and (ii) the Subordinate Net Funds
      Cap.

     

    Class
      M-3
      Principal Payment Amount: For any Distribution Date on or after the Stepdown
      Date and as long as a Trigger Event is not in effect with respect to such
      Distribution Date, will be the lesser of (1) the Class Principal Balance of
      the
      Class M-3 Certificates immediately preceding such Distribution Date and (2)
      the
      amount, if any, by which (x) the sum of (i) the aggregate Class Principal
      Balance of the Class 1A-1, Class 2A-1, Class 2A-2, Class 2A-3, Class P, Class
      A-R, Class M-1 and Class M-2 Certificates, in each case, after giving effect
      to
      payments on such Distribution Date and (ii) the Class Principal Balance of
      the
      Class M-3 Certificates immediately prior to such Distribution Date exceeds
      (y)
      the lesser of (A) the product of (i) 67.79% and (ii) the Aggregate Collateral
      Balance for such Distribution Date and (B) the amount, if any, by which (i)
      the
      Aggregate Collateral Balance for such Distribution Date exceeds (ii) 0.50%
      of
      the Aggregate Collateral Balance as of the Cut-off Date.

     

    Class
      M-4
      Pass-Through Rate: With respect to the initial Interest Accrual Period, based
      on
      a LIBOR determination date of December 27, 2006, 5.85% per annum. With respect
      to any Interest Accrual Period thereafter, will be a per annum rate equal to
      the
      lesser of (i) the sum of LIBOR plus the related Certificate Margin and (ii)
      the
      Subordinate Net Funds Cap.

     

    Class
      M-4
      Principal Payment Amount: For any Distribution Date on or after the Stepdown
      Date and as long as a Trigger Event is not in effect with respect to such
      Distribution Date, will be the lesser of (1) the Class Principal Balance of
      the
      Class M-4 Certificates immediately preceding such Distribution Date and (2)
      the
      amount, if any, by which (x) the sum of (i) the aggregate Class Principal
      Balance of the Class 1A-1, Class 2A-1, Class 2A-2, Class 2A-3, Class P, Class
      A-R, Class M-1, Class M-2 and Class M-3 Certificates, in each case, after giving
      effect to payments on such Distribution Date and (ii) the Class Principal
      Balance of the Class M-4 Certificates immediately prior to such Distribution
      Date exceeds (y) the lesser of (A) the product of (i) 72.10% and (ii) the
      Aggregate Collateral Balance for such Distribution Date and (B) the amount,
      if
      any, by which (i) the Aggregate Collateral Balance for such Distribution Date
      exceeds (ii) 0.50% of the Aggregate Collateral Balance as of the Cut-off
      Date.

     

    Class
      M-5
      Pass-Through Rate: With
      respect to the initial Interest Accrual Period, based on a LIBOR determination
      date of December 27, 2006, 5.92% per annum. With respect to any Interest Accrual
      Period thereafter, will be a per annum rate equal to the lesser of (i) the
      sum
      of LIBOR plus the related Certificate Margin and (ii) the Subordinate Net Funds
      Cap.

     

    Class
      M-5
      Principal Payment Amount: For any Distribution Date on or after the Stepdown
      Date and as long as a Trigger Event is not in effect with respect to such
      Distribution Date, will be the lesser of (1) the Class Principal Balance of
      the
      Class M-5 Certificates immediately preceding such Distribution Date and (2)
      the
      amount, if any, by which (x) the sum of (i) the aggregate Class Principal
      Balance of the Class 1A-1, Class 2A-1, Class 2A-2, Class 2A-3, Class P, Class
      A-R, Class M-1, Class M-2, Class M-3 and Class M-4 Certificates, in each case,
      after giving effect to payments on such Distribution Date and (ii) the Class
      Principal Balance of the Class M-5 Certificates immediately prior to such
      Distribution Date exceeds (y) the lesser of (A) the product of (i) 76.50% and
      (ii) the Aggregate Collateral Balance for such Distribution Date and (B) the
      amount, if any, by which (i) the Aggregate Collateral Balance for such
      Distribution Date exceeds (ii) 0.50% of the Aggregate Collateral Balance as
      of
      the Cut-off Date.

     

    Class
      M-6
      Pass-Through Rate: With respect to the initial Interest Accrual Period, based
      on
      a LIBOR determination date of December 27, 2006, 6.00% per annum. With respect
      to any Interest Accrual Period thereafter, will be a per annum rate equal to
      the
      lesser of (i) the sum of LIBOR plus the related Certificate Margin and (ii)
      the
      Subordinate Net Funds Cap.

     

    Class
      M-6
      Principal Payment Amount: For any Distribution Date on or after the Stepdown
      Date and as long as a Trigger Event is not in effect with respect to such
      Distribution Date, will be the lesser of (1) the Class Principal Balance of
      the
      Class M-6 Certificates immediately preceding such Distribution Date and (2)
      the
      amount, if any, by which (x) the sum of (i) the aggregate Class Principal
      Balance of the Class 1A-1, Class 2A-1, Class 2A-2, Class 2A-3, Class P, Class
      A-R, Class M-1, Class M-2, Class M-3, Class M-4 and Class M-5 Certificates,
      in
      each case, after giving effect to payments on such Distribution Date and (ii)
      the Class Principal Balance of the Class M-6 Certificates immediately prior
      to
      such Distribution Date exceeds (y) the lesser of (A) the product of (i) 79.80%
      and (ii) the Aggregate Collateral Balance for such Distribution Date and (B)
      the
      amount, if any, by which (i) the Aggregate Collateral Balance for such
      Distribution Date exceeds (ii) 0.50% of the Aggregate Collateral Balance as
      of
      the Cut-off Date.

     

    Class
      M-7
      Pass-Through Rate: With respect to the initial Interest Accrual Period, based
      on
      a LIBOR determination date of December 27, 2006, 6.65% per annum. With respect
      to any Interest Accrual Period thereafter, will be a per annum rate equal to
      the
      lesser of (i) the sum of LIBOR plus the related Certificate Margin and (ii)
      the
      Subordinate Net Funds Cap.

     

    Class
      M-7
      Principal Payment Amount: For any Distribution Date on or after the Stepdown
      Date and as long as a Trigger Event is not in effect with respect to such
      Distribution Date, will be the lesser of (1) the Class Principal Balance of
      the
      Class M-7 Certificates immediately preceding such Distribution Date and (2)
      the
      amount, if any, by which (x) the sum of (i) the aggregate Class Principal
      Balance of the Class 1A-1, Class 2A-1, Class 2A-2, Class 2A-3, Class P, Class
      A-R, Class M-1, Class M-2, Class M-3, Class M-4, Class M-5 and Class M-6
      Certificates, in each case, after giving effect to payments on such Distribution
      Date and (ii) the Class Principal Balance of the Class M-7 Certificates
      immediately prior to such Distribution Date exceeds (y) the lesser of (A) the
      product of (i) 83.30% and (ii) the Aggregate Collateral Balance for such
      Distribution Date and (B) the amount, if any, by which (i) the Aggregate
      Collateral Balance for such Distribution Date exceeds (ii) 0.50% of the
      Aggregate Collateral Balance as of the Cut-off Date.

     

    Class
      M-8
      Pass-Through Rate: With respect to the initial Interest Accrual Period, based
      on
      a LIBOR determination date of December 27, 2006, 7.05% per annum. With respect
      to any Interest Accrual Period thereafter, will be a per annum rate equal to
      the
      lesser of (i) the sum of LIBOR plus the related Certificate Margin and (ii)
      the
      Subordinate Net Funds Cap.

     

    Class
      M-8
      Principal Payment Amount: For any Distribution Date on or after the Stepdown
      Date and as long as a Trigger Event is not in effect with respect to such
      Distribution Date, will be the lesser of (1) the Class Principal Balance of
      the
      Class M-8 Certificates immediately preceding such Distribution Date and (2)
      the
      amount, if any, by which (x) the sum of (i) the aggregate Class Principal
      Balance of the Class 1A-1, Class 2A-1, Class 2A-2, Class 2A-3, Class P, Class
      A-R, Class M-1, Class M-2, Class M-3, Class M-4, Class M-5, Class M-6 and Class
      M-7 Certificates, in each case, after giving effect to payments on such
      Distribution Date and (ii) the Class Principal Balance of the Class M-8
      Certificates immediately prior to such Distribution Date exceeds (y) the lesser
      of (A) the product of (i) 86.40% and (ii) the Aggregate Collateral Balance
      for
      such Distribution Date and (B) the amount, if any, by which (i) the Aggregate
      Collateral Balance for such Distribution Date exceeds (ii) 0.50% of the
      Aggregate Collateral Balance as of the Cut-off Date.

     

    Class
      M-9
      Pass-Through Rate: With respect to the initial Interest Accrual Period, based
      on
      a LIBOR determination date of December 27, 2006, 8.35% per annum. With respect
      to any Interest Accrual Period thereafter, will be a per annum rate equal to
      the
      lesser of (i) the sum of LIBOR plus the related Certificate Margin and (ii)
      the
      Subordinate Net Funds Cap.

     

    Class
      M-9
      Principal Payment Amount: For any Distribution Date on or after the Stepdown
      Date and as long as a Trigger Event is not in effect with respect to such
      Distribution Date, will be the lesser of (1) the Class Principal Balance of
      the
      Class M-9 Certificates immediately preceding such Distribution Date and (2)
      the
      amount, if any, by which (x) the sum of (i) the aggregate Class Principal
      Balance of the Class 1A-1, Class 2A-1, Class 2A-2, Class 2A-3, Class P, Class
      A-R, Class M-1, Class M-2, Class M-3, Class M-4, Class M-5, Class M-6, Class
      M-7
      and Class M-8 Certificates, in each case, after giving effect to payments on
      such Distribution Date and (ii) the Class Principal Balance of the Class M-9
      Certificates immediately prior to such Distribution Date exceeds (y) the lesser
      of (A) the product of (i) 89.40% and (ii) the Aggregate Collateral Balance
      for
      such Distribution Date and (B) the amount, if any, by which (i) the Aggregate
      Collateral Balance for such Distribution Date exceeds (ii) 0.50% of the
      Aggregate Collateral Balance as of the Cut-off Date.

     

    Class
      X-1
      Distributable Amount: With respect to any Distribution Date, the amount of
      interest accrued during the related Interest Accrual Period at the related
      Pass-Through Rate on the Class X-1 Notional Amount for such Distribution
      Date.

     

    Class
      X-1
      Notional Amount: Immediately prior to any Distribution Date, with respect to
      the
      Class X-1 Certificates, an amount equal to the aggregate of the Uncertificated
      Principal Balances of the REMIC 3 Regular Interests (other than REMIC 3 Regular
      Interests MTII-P and MTII-R).

     

    Class
      X-S
      Notional Amount: Immediately prior to any Distribution Date, with respect to
      the
      Class X-S Certificates, an amount equal to the Stated Principal Balance of
      the
      Mortgage Loans as of the Due Date in the month of such Distribution Date (prior
      to giving effect to any Scheduled Payments due on such Mortgage Loans on such
      Due Date). For federal income tax purposes, the Class X-S Certificates will
      not
      have a Notional Amount, but will be entitled to 100% of amounts distributed
      on
      REMIC 3 Regular Interest MTII-S.

     

    Class
      P
      Pass-Through Rate: With respect to the Class P Certificates and the Distribution
      Dates for January 2007, February 2007 and March 2007, a per annum rate equal
      to
      the Initial Group 2 Loan Net WAC Rate, and with respect to any Distribution
      Date
      thereafter, a per annum rate equal to the Net Funds Cap. 

     

    Class
      Principal Balance: With respect to any Class and as to any date of
      determination, the aggregate of the Certificate Balances of all Certificates
      of
      such Class as of such date plus, in the case of any Subordinate Certificates,
      any increase in the Class Principal Balance of such Class pursuant to Section
      4.02(b)(viii) due to the receipt of Net Recoveries.

     

    Class
      R-1
      Interest: The sole class of residual interests in REMIC 1.

     

    Class
      R-2
      Interest: The sole class of residual interests in REMIC 2.

     

    Class
      R-3
      Interest: The sole class of residual interests in REMIC 3.

     

    Class
      R-4
      Interest: The sole class of residual interests in REMIC 4.

     

    Closing
      Date: December 29, 2006.

     

    Code:
      The
      Internal Revenue Code of 1986, as the same may be amended from time to time
      (or
      any successor statute thereto).

     

    Collection
      Accounts: The accounts established and maintained by the Servicer in accordance
      with Section 3.05.

     

    Collection
      Period: With respect to any Distribution Date, the period from the second day
      of
      the month immediately preceding such Distribution Date to and including the
      first day of the month of such Distribution Date.

     

    Commission:
      The United States Securities and Exchange Commission.

     

    Combined
      Loan-to-Value Ratio: With respect to any Mortgage Loan and as of any date of
      determination, the fraction (expressed as a percentage) the numerator of which
      is the sum of (i) original principal balance of the related Mortgage Loan at
      such date of determination and (ii) the unpaid principal balance of the related
      First Mortgage Loan as of either the date of origination of that Mortgage Loan
      or the date of origination of the related First Mortgage Loan and the
      denominator of which is the most recent Appraised Value of the related Mortgaged
      Property.

     

    Compensating
      Interest Payment: For any Distribution Date, an amount to be paid by the
      Servicer for such Distribution Date, equal to the lesser of (i) the sum of
      (x)
      an amount equal to 0.25% per annum on the aggregate Stated Principal Balance
      of
      the Mortgage Loans otherwise payable to the Servicer on such Distribution Date
      (prior to giving effect to any Scheduled Payments due on the Mortgage Loans
      on
      such Due Date) and (y) any Prepayment Interest Excess payable to the Servicer
      for such Distribution Date and (ii) the aggregate Prepayment Interest Shortfall
      for the Mortgage Loans being serviced by the Servicer relating to voluntary
      Principal Prepayments received during the related Prepayment
      Period.

     

    Confirmation:
      With respect to the Swap Agreement, the separate Confirmation, dated December
      29, 2006, and evidencing a transaction between the Counterparty and the
      Supplemental Interest Trust Trustee.

     

    Corporate
      Trust Office: The designated 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 Agreement is
      located at 60 Livingston Avenue, St. Paul, Minnesota 55107, Attention: Corporate
      Trust - Structured Finance: Home Equity Mortgage Trust-2006-6.

     

    Corresponding
      Certificate: With respect to:

     

    
      	 	
              REMIC
                Regular Interest

            	
              Class

            
	
              (i)

            	
              REMIC
                3 Regular Interest MTII-1A-1

            	
              1A-1

            
	
              (ii)

            	
              REMIC
                3 Regular Interest MTII-2A-1 

            	
              2A-1

            
	
              (iii)

            	
              REMIC
                3 Regular Interest MTII-2A-2 

            	
              2A-2

            
	
              (iv)

            	
              REMIC
                3 Regular Interest MTII-2A-3 

            	
              2A-3

            
	
              (iv)

            	
              REMIC
                3 Regular Interest MTII-M-1 

            	
              M-1

            
	
              (v)

            	
              REMIC
                3 Regular Interest MTII-M-2 

            	
              M-2

            
	
              (vi)

            	
              REMIC
                3 Regular Interest MTII-M-3 

            	
              M-3

            
	
              (vii)

            	
              REMIC
                3 Regular Interest MTII-M-4

            	
              M-4

            
	
              (viii)

            	
              REMIC
                3 Regular Interest MTII-M-5 

            	
              M-5

            
	
              (ix)

            	
              REMIC
                3 Regular Interest MTII-M-6

            	
              M-6

            
	
              (x)

            	
              REMIC
                3 Regular Interest MTII-M-7 

            	
              M-7

            
	
              (xi)

            	
              REMIC
                3 Regular Interest MTII-M-8

            	
              M-8

            
	
              (xii)

            	
              REMIC
                3 Regular Interest MTII-M-9 

            	
              M-9

            
	
              (xiii)

            	
              REMIC
                3 Regular Interest MTII-S and REMIC 2 Regular Interest
                MTIA-S

            	
              X-S

            
	
              (xiv)

            	
              REMIC
                3 Regular Interest MTII-P, REMIC 2 Regular Interest MTI-P and REMIC
                1
                Regular Interest LTI-P

            	
              P

            

    

    

    Counterparty:
      Initially, Credit Suisse International. Under the Swap Agreement the
      Counterparty will be either (a) entitled to receive payments from the
      Supplemental Interest Trust Trustee from amounts payable by the Trust Fund
      under
      this Agreement or (b) required to make payments to the Supplemental Interest
      Trust Trustee, in either case pursuant to the terms of the Swap
      Agreement.

     

    Counterparty
      Trigger Event: With respect to any Distribution Date, (i) an Event of Default
      under the Swap Agreement with respect to which the Counterparty is a Defaulting
      Party, (ii) a Termination Event under the Swap Agreement with respect to which
      the Counterparty is the sole Affected Party, or (iii) an Additional Termination
      Event under the Swap Agreement with respect to which the Counterparty is the
      sole Affected Party.

     

    Credit
      Risk Manager: Clayton Fixed Income Services Inc. (formerly known as The
      Murrayhill Company), a Colorado corporation.

     

    Credit
      Risk Management Agreement: Either of the agreements between SPS and the Credit
      Risk Manager dated as of December 29, 2006.

     

    Credit
      Risk Manager Fee: As to each Mortgage Loan and any Distribution Date, an amount
      equal to one month’s interest at the Credit Risk Manager Fee Rate on the Stated
      Principal Balance of such Mortgage Loan as of the Due Date in the month of
      such
      Distribution Date (prior to giving effect to any Scheduled Payments due on
      such
      Mortgage Loan on such Due Date).

     

    Credit
      Risk Manager Fee Rate: 0.0175% per annum.

     

    Credit
      Suisse: Credit Suisse Securities (USA) LLC, a Delaware limited liability
      company, and its successors and assigns.

     

    Credit
      Support Annex: The credit support annex, dated as of December 29, 2006, between
      the Supplemental Interest Trust Trustee acting as trustee on behalf of the
      Supplemental Interest Trust and the Counterparty.

     

    Credit
      Support Depletion Date: The first Distribution Date on which (1) the aggregate
      Class Principal Balance of the Class M-1, Class M-2, Class M-3, Class M-4,
      Class
      M-5, Class M-6, Class M-7, Class M-8 and Class M-9 Certificates has been or
      will
      be reduced to zero and (2) the Overcollateralization Amount equals zero.

     

    Cumulative
      Loss Event: For any Distribution Date, a Cumulative Loss Event is occurring
      if
      Cumulative Net Realized Losses on the Mortgage Loans, equal or exceed the
      percentage of the Aggregate Collateral Balance as of the Cut-off Date for that
      Distribution Date as specified below:

    

    
      	
              Distribution
                Date

            	
              Percentage
                of Aggregate Collateral Balance

            
	
              January
                2007 - December 2009

            	
              N.A.

            
	
              January
                2010 - December 2010

            	
              5.50%
                for the first month, plus an additional 1/12th of 1.75% for each
                month
                thereafter

            
	
              January
                2011 - December 2011

            	
              7.25%
                for the first month, plus an additional 1/12th of 1.25% for each
                month
                thereafter

            
	
              January
                2012 - December 2012

            	
              8.50%
                for the first month, plus an additional 1/12th of 0.50% for each
                month
                thereafter

            
	
              January
                2013 and thereafter

            	
              9.00%

            

    

    

    Cumulative
      Net Realized Losses: As to any date of determination the aggregate amount of
      Realized Losses as reduced by any Net Recoveries received on Charged Off
      Loans.

     

    Current
      Interest: For any Class of Certificates and Distribution Date, the amount of
      interest accruing at the applicable Pass-Through Rate on the related Class
      Principal Balance, or Notional Amount, as applicable, of such Class during
      the
      related Interest Accrual Period; provided, that if and to the extent that on
      any
      Distribution Date the Interest Remittance Amount is less than the aggregate
      distributions required pursuant to Section 4.02(b)(i)A-K without regard to
      this
      proviso, then the Current Interest on each such Class will be reduced, on a
      pro
      rata basis in proportion to the amount of Current Interest for each Class
      without regard to this proviso, by the lesser of (i) the amount of the
      deficiency described above in this proviso and (ii) the related Interest
      Shortfall for such Distribution Date.

     

    Curtailment:
      Any payment of principal on a Mortgage Loan, made by or on behalf of the related
      Mortgagor, other than a Scheduled Payment, a prepaid Scheduled Payment or a
      Payoff, which is applied to reduce the outstanding Stated Principal Balance
      of
      the Mortgage Loan.

     

    Custodial
      Agreement: The agreement, among the Trustee, the related Custodian and the
      Depositor providing for the safekeeping of any documents or instruments referred
      to in Section 2.01 on behalf of the Certificateholders, attached hereto as
      Exhibit R.

     

    Custodian:
      LaSalle Bank National Association, a national banking association, or any
      successor custodian appointed pursuant to the terms of the Custodial Agreement.
      Each Custodian so appointed shall act as agent on behalf of the Trustee, and
      shall be compensated by the Depositor. The Trustee shall remain at all times
      responsible under the terms of this Agreement, notwithstanding the fact that
      certain duties have been assigned to a Custodian.

     

    Cut-off
      Date: For any Mortgage Loan, other than a Subsequent Mortgage Loan, December
      1,
      2006. For any Subsequent Mortgage Loan, the applicable Subsequent Transfer
      Date.

     

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

     

    Defaulting
      Party: As defined in the Swap Agreement

     

    Defective
      Mortgage Loan: Any Mortgage Loan which is required to be repurchased pursuant
      to
      Section 2.02 or 2.03.

     

    Deferred
      Amount: For any Class of Class M Certificates and any Distribution Date, will
      equal the amount by which (x) the aggregate of the Applied Loss Amounts
      previously applied in reduction of the Class Principal Balance thereof exceeds
      (y) the sum of (i) the aggregate of amounts previously paid in reimbursement
      thereof and (ii) the amount of the increase in the related Class Principal
      Balance due to the receipt of Net Recoveries as provided in Section
      4.02(b)(viii).

     

    Definitive
      Certificates: Any Certificate issued in lieu of a Book-Entry Certificate
      pursuant to Section 5.02(e).

     

    Deleted
      Mortgage Loan: As defined in Section 2.03.

     

    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 July 1 that remained unpaid as of the close of business on August
      31 would then be considered to be 30 to 59 days delinquent.

     

    Delinquency
      Rate: For any month, a fraction, expressed as a percentage, the numerator of
      which is the aggregate outstanding principal balance of all Mortgage Loans
      60 or
      more days delinquent (including all foreclosures and REO Properties) as of
      the
      close of business on the last day of such month, and the denominator of which
      is
      the Aggregate Collateral Balance as of the close of business on the last day
      of
      such month.

     

    Denomination:
      With respect to each Certificate, the amount set forth on the face thereof
      as
      the “Initial Certificate Balance of this Certificate” or the “Initial Notional
      Amount of this Certificate” or, if neither of the foregoing, the Percentage
      Interest appearing on the face thereof.

     

    Depositor:
      Credit Suisse First Boston Mortgage Securities Corp., a Delaware corporation,
      or
      its successor in interest.

     

    Depository:
      The initial Depository shall be The Depository Trust Company, the nominee of
      which is CEDE & Co., as the registered Holder of the Book-Entry
      Certificates. The Depository shall at all times be a “clearing corporation” as
      defined in Section 8-102(3) of the Uniform Commercial Code of the State of
      New
      York.

     

    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.

     

    Determination
      Date: As to any Distribution Date, the second Business Day immediately following
      the 15th day of the month of such Distribution Date.

     

    Distribution
      Date: The 25th
      day of
      each month or if such day is not a Business Day, the first Business Day
      thereafter, commencing in January 2007.

     

    DLJMC:
      DLJ Mortgage Capital, Inc., a Delaware corporation, and its successors and
      assigns.

     

    Due
      Date:
      With respect to any Distribution Date and any Mortgage Loan, the day during
      the
      related Due Period on which the Scheduled Payment is due.

     

    Due
      Period: With respect to each Distribution Date, the period commencing on the
      second day of the month preceding the month of the Distribution Date and ending
      on the first day of the month of the Distribution Date.

     

    Eligible
      Account: Either (i) an account or accounts maintained with a federal or state
      chartered depository institution or trust company acceptable to the Rating
      Agencies or (ii) an account or accounts the deposits in which are insured by
      the
      FDIC to the limits established by such corporation, provided that any such
      deposits not so insured shall be maintained in an account at a depository
      institution or trust company whose commercial paper or other short term debt
      obligations (or, in the case of a depository institution or trust company which
      is the principal subsidiary of a holding company, the commercial paper or other
      short term debt obligations of such holding company) have been rated by Moody’s
      in its highest short-term rating category and by S&P at least “A-1+”, or
      (iii) a segregated trust account or accounts (which shall be a “special deposit
      account”) maintained with the Trustee or any other federal or state chartered
      depository institution or trust company, acting in its fiduciary capacity,
      in a
      manner acceptable to the Trustee and the Rating Agencies. Eligible Accounts
      may
      bear interest.

     

    Eligible
      Investments: Any one or more of the obligations and securities listed below
      which investment provides for a date of maturity not later than the
      Determination Date in each month:

     

    (i) direct
      obligations of, and obligations fully guaranteed by, the United States of
      America, or any agency or instrumentality of the United States of America the
      obligations of which are backed by the full faith and credit of the United
      States of America; or obligations fully guaranteed by, the United States of
      America; Freddie Mac, Fannie Mae, the Federal Home Loan Banks or any agency
      or
      instrumentality of the United States of America rated AA or higher by the Rating
      Agencies;

     

    (ii) federal
      funds, demand and time deposits in, certificates of deposits of, or bankers’
acceptances issued by, any depository institution or trust company incorporated
      or organized under the laws of the United States of America or any state thereof
      and subject to supervision and examination by federal and/or state banking
      authorities, so long as at the time of such investment or contractual commitment
      providing for such investment the commercial paper or other short-term debt
      obligations of such depository institution or trust company (or, in the case
      of
      a depository institution or trust company which is the principal subsidiary
      of a
      holding company, the commercial paper or other short-term debt obligations
      of
      such holding company) are rated in one of two of the highest ratings by each
      of
      the Rating Agencies, and the long-term debt obligations of such depository
      institution or trust company (or, in the case of a depository institution or
      trust company which is the principal subsidiary of a holding company, the
      long-term debt obligations of such holding company) are rated in one of two
      of
      the highest ratings, by each of the Rating Agencies;

     

    (iii) repurchase
      obligations with a term not to exceed 30 days with respect to any security
      described in clause (i) above and entered into with a depository institution
      or
      trust company (acting as a principal) rated “A” or higher by Moody’s and “A-1”
or higher by S&P; provided, however, that collateral transferred pursuant to
      such repurchase obligation must be of the type described in clause (i) above
      and
      must (A) be valued daily at current market price plus accrued interest, (B)
      pursuant to such valuation, be equal, at all times, to 105% of the cash
      transferred by the Trustee in exchange for such collateral, and (C) be delivered
      to the Trustee or, if the Trustee is supplying the collateral, an agent for
      the
      Trustee, in such a manner as to accomplish perfection of a security interest
      in
      the collateral by possession of certificated securities;

     

    (iv) securities
      bearing interest or sold at a discount issued by any corporation incorporated
      under the laws of the United States of America or any state thereof which has
      a
      long-term unsecured debt rating in the highest available rating category of
      each
      of the Rating Agencies at the time of such investment;

     

    (v) commercial
      paper having an original maturity of less than 365 days and issued by an
      institution having a short-term unsecured debt rating in the highest available
      rating category of each Rating Agency that rates such securities at the time
      of
      such investment;

     

    (vi) a
      guaranteed investment contract approved by each of the Rating Agencies and
      issued by an insurance company or other corporation having a long-term unsecured
      debt rating in the highest available rating category of each of the Rating
      Agencies at the time of such investment;

     

    (vii) which
      may
      be 12b-1 funds as contemplated under the rules promulgated by the Securities
      and
      Exchange Commission under the Investment Company Act of 1940) having ratings
      in
      the highest available rating category of Moody’s and Fitch and or “AAAm” or
“AAAm-G” by S&P at the time of such investment (any such money market funds
      which provide for demand withdrawals being conclusively deemed to satisfy any
      maturity requirements for Eligible Investments set forth herein) including
      money
      market funds of a Servicer or the Trustee and any such funds that are managed
      by
      a Servicer or the Trustee or their respective Affiliates or for a Servicer
      or
      the Trustee or any Affiliate of either acts as advisor, as long as such money
      market funds satisfy the criteria of this subparagraph (vii); and

     

    (viii) such
      other investments the investment in which will not, as evidenced by a letter
      from each of the Rating Agencies, result in the downgrading or withdrawal of
      the
      Ratings of the Certificates.

     

    provided,
      however, that no such instrument shall be an Eligible Investment if such
      instrument evidences either (i) a right to receive only interest payments with
      respect to the obligations underlying such instrument, or (ii) 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 of greater than 120% of the yield to maturity at par of such
      underlying obligations.

     

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

     

    ERISA-Qualifying
      Underwriting: A best efforts or firm commitment underwriting or private
      placement that meets the requirements of Prohibited Transaction Exemption
      (“PTE”) 2002-41,
      67 Fed. Reg. 54487 (2002) (or any successor thereto), or any substantially
      similar administrative exemption granted by the U.S. Department of
      Labor.

     

    ERISA-Restricted
      Certificates: As specified in the Preliminary Statement.

     

    Escrow
      Account: The separate account or accounts created and maintained by the Servicer
      pursuant to Section 3.06.

     

    Escrow
      Mortgage Loan: Any Mortgage Loan for which the Servicer has established an
      Escrow Account for items constituting Escrow Payments.

     

    Escrow
      Payments: With respect to any Mortgage Loan, the amounts constituting ground
      rents, taxes, mortgage insurance premiums, fire and hazard insurance premiums,
      and any other payments required to be escrowed by the Mortgagor with the
      mortgagee pursuant to the Mortgage, applicable law or any other related
      document.

     

    Estimated
      Swap Termination Payment: With respect to an Early Termination Date, an amount
      determined by the Counterparty in good faith and in a commercially reasonable
      manner as the maximum payment that could be owed by the Supplemental Interest
      Trust to the Counterparty in respect of such Early Termination Date pursuant
      to
      Section 6(e) of the ISDA Master Agreement, taking into account then current
      market conditions.

     

    Event
      of
      Default: As defined in Section 7.01.

     

    Excess
      Cashflow Loss Payment: As defined in Section 4.02(b)(iv)(A).

     

    Excess
      Servicing Fee: With respect to each Mortgage Loan and any Distribution Date,
      an
      amount equal to one month’s interest at the Excess Servicing Fee Rate on the
      Stated Principal Balance of each such Mortgage Loan as of the Due Date in the
      month of such Distribution Date (prior to giving effect to any Scheduled
      Payments due on each such Mortgage Loan on such Due Date).

     

    Excess
      Servicing Fee Rate: With respect to the Mortgage Loans, the excess, if any,
      of
      0.50% over the “Servicing Fee Rate” as defined in the SPS Letter Agreement.

     

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

     

    Expense
      Fees: As to each Mortgage Loan, the sum of the Servicing Fee, the Excess
      Servicing Fee, the Credit Risk Manager Fee and the Trustee Fee.

     

    Expense
      Fee Rate: As to each Mortgage Loan, the sum of the Servicing Fee Rate, the
      Excess Servicing Fee Rate, if applicable, the Credit Risk Manager Fee Rate
      and
      the Trustee Fee Rate.

     

    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.

     

    Fannie
      Mae Guides: The Fannie Mae Sellers’ Guide and the Fannie Mae Servicers’ Guide
      and all amendments or additions thereto.

     

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

     

    FIRREA:
      The Financial Institutions Reform, Recovery and Enforcement Act of
      1989.

     

    First
      Mortgage Loan: A Mortgage Loan that is secured by a first lien on the Mortgaged
      Property securing the related Mortgage Note.

     

    Fitch:
      Fitch, Inc., or any successor thereto.

     

    Form
      8-K
      Disclosure Information: As defined in Section 8.12(a)(ii).

     

    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.

     

    Group
      1
      Allocation Amount: For any Distribution Date, the product of the Senior
      Principal Payment Amount for that Distribution Date and a fraction the numerator
      of which is the Principal Remittance Amount derived from Loan Group 1 and the
      denominator of which is the Principal Remittance Amount, in each case for that
      Distribution Date. For purposes of this definition, the Principal Remittance
      Amount will be calculated without regard to subclauses (6) and (B) in the
      definition thereof.

     

    Group
      1
      Excess Interest Amount: For
      any
      Distribution Date, the product of (a) the amount of Monthly Excess Cashflow
      required to be distributed on that Distribution Date pursuant to Section
      4.02(b)(iv)(B.) and (b) a fraction, the numerator of which is the Principal
      Remittance Amount derived from Loan Group 1 and the denominator of which is
      the
      Principal Remittance Amount, in each case for that Distribution Date. For
      purposes of this definition, the Principal Remittance Amount will be calculated
      without regard to subclauses (6) and (B) in the definition thereof.

     

    Group
      1
      Loan: Any of the Mortgage Loans in Loan Group 1 identified as a Group 1 Loan
      in
      the Mortgage Loan Schedule.

     

    Group
      1
      Senior Net Funds Cap: For any Distribution Date and the Class 1A-1 Certificates,
      will be the annual rate equal to a fraction, expressed as a percentage, (a)
      the
      numerator of which is (1) the amount of interest which accrued on the Mortgage
      Loans in Loan Group 1, minus (2) the sum of (w) the related Expense Fee, (x)
      any
      portion of the Net Swap Payment allocable to Loan Group 1 payable to the
      Counterparty on such Distribution Date and (y) any portion of the Swap
      Termination Payment allocable to Loan Group 1 not due to a Counterparty Trigger
      Event and to the extent not paid by the Supplemental Interest Trust Trustee
      from
      any upfront payment received pursuant to any related replacement swap agreement
      that may be entered into by the Supplemental Interest Trust Trustee payable
      to
      the Counterparty on such Distribution Date and (b) the denominator of which
      is
      the product of (i) the Aggregate Loan Group Collateral Balance for Loan Group
      1
      for the immediately preceding Distribution Date (or as of the Cut-off Date
      for
      the first Distribution Date), and (ii), the actual number of days in the
      immediately preceding Interest Accrual Period divided by 360. For federal income
      tax purposes, the equivalent of the foregoing shall be expressed as the weighted
      average of the Uncertificated REMIC 3 Pass-Through Rate on REMIC 3 Regular
      Interest MTII-1GRP, weighted on the basis of the Uncertificated Principal
      Balance of such REMIC 3 Regular Interest.

     

    Group
      2
      Allocation Amount: For
      any
      Distribution Date, the product of the Senior Principal Payment Amount for that
      Distribution Date and a fraction the numerator of which is the Principal
      Remittance Amount derived from Loan Group 2 and the denominator of which is
      the
      Principal Remittance Amount, in each case for that Distribution Date. For
      purposes of this definition, the Principal Remittance Amount will be calculated
      without regard to subclauses (6) and (B) in the definition thereof.

     

    Group
      2
      Excess Interest Amount:
      For
      any
      Distribution Date, the product of (a) the amount of Monthly Excess Cashflow
      required to be distributed on that Distribution Date pursuant to Section
      4.02(b)(iv)(B.) and (b) a fraction, the numerator of which is the Principal
      Remittance Amount derived from Loan Group 2 and the denominator of which is
      the
      Principal Remittance Amount, in each case for that Distribution Date. For
      purposes of this definition, the Principal Remittance Amount will be calculated
      without regard to subclauses (6) and (B) in the definition thereof.

     

    Group
      2
      Loan: Any of the Mortgage Loans in Loan Group 2 identified as a Group 2 Loan
      in
      the Mortgage Loan Schedule.

     

    Group
      2
      Senior Net Funds Cap: For any Distribution Date and the Class 2A-1, Class 2A-2,
      Class 2A-3, Class A-R and Class P Certificates, will be the annual rate equal
      to
      a fraction, expressed as a percentage, (a) the numerator of which is (1) the
      sum
      of (A) the amount of interest which accrued on the Mortgage Loans in Loan Group
      2 and (B) any amounts withdrawn from the Capitalized Interest Account to pay
      interest on the related Certificates for such Distribution Date, minus (2)
      the
      sum of (w) the related Expense Fee, (x) any portion of the Net Swap Payment
      allocable to Loan Group 2 payable to the Counterparty on such Distribution
      Date
      and (y) any portion of the Swap Termination Payment allocable to Loan Group
      2
      not due to a Counterparty Trigger Event and to the extent not paid by the
      Supplemental Interest Trust Trustee from any upfront payment received pursuant
      to any related replacement Swap Agreement that may be entered into by the
      Supplemental Interest Trust Trustee payable to the Counterparty on such
      Distribution Date and (b) the denominator of which is the product of (i) the
      Aggregate Loan Group Collateral Balance for Loan Group 2 for the immediately
      preceding Distribution Date (or as of the Cut-off Date for the first
      Distribution Date), and (ii)(x) in the case of the Class A-R Certificates and
      Class P Certificates, 1/12 and (y) in the case of the Class 2A-1, Class 2A-2
      and
      Class 2A-3 Certificates, the actual number of days in the immediately preceding
      Interest Accrual Period divided by 360. For federal income tax purposes, the
      equivalent of the foregoing shall be expressed as the weighted average of the
      Uncertificated REMIC 3 Pass-Through Rate on REMIC 3 Regular Interest MTII-2GRP,
      weighted on the basis of the Uncertificated Principal Balance of such REMIC
      2
      Regular Interest.

     

    Highest
      Priority: As of any date of determination, the Class of Subordinate Certificates
      then outstanding with a Class Principal Balance greater than zero, with the
      highest priority for payments pursuant to Section 4.02, in the following order
      of decreasing priority: Class M-1, Class M-2, Class M-3, Class M-4, Class M-5,
      Class M-6, Class M-7, Class M-8 and Class M-9 Certificates.

     

    Initial
      Group 2 Loan: A Mortgage Loan in Loan Group 2 conveyed to the Trust on the
      Closing Date pursuant to this Agreement as identified on the Mortgage Loan
      Schedule delivered to the Trustee on the Closing Date.

     

    Initial
      Group 2 Loan Net WAC Rate: A per annum rate equal to the weighted average of
      the
      Net Mortgage Rates of the Initial Group 2 Loans.

     

    Initial
      Mortgage Loan: A Mortgage Loan conveyed to the Trust on the Closing Date
      pursuant to this Agreement as identified on the Mortgage Loan Schedule delivered
      to the Trustee on the Closing Date.

     

    Indirect
      Participant: A broker, dealer, bank or other financial institution or other
      Person that clears through or maintains a custodial relationship with a
      Depository Participant.

     

    Insurance
      Proceeds: Proceeds paid under any Insurance Policy covering a Mortgage Loan
      to
      the extent the proceeds are not (i) applied to the restoration of the related
      Mortgaged Property, (ii) applied to the satisfaction of any related First
      Mortgage Loan or (iii) released to the Mortgagor in accordance with the
      procedures that the Servicer would follow in servicing mortgage loans held
      for
      its own account.

     

    Interest
      Accrual Period: With respect to each Distribution Date, (i) with respect to
      the
      Clas 1A-1, Class 2A-1, Class 2A-2, Class 2A-3, Class M-1, Class M-2, Class
      M-3,
      Class M-4, Class M-5, Class M-6, Class M-7, Class M-8 and Class M-9
      Certificates, the period commencing on the immediately preceding Distribution
      Date (or the Closing Date, in the case of the first Distribution Date) and
      ending on the day immediately preceding the related Distribution Date, and
      (ii)
      with respect to the Class A-R, Class P, Class X-1 and Class X-S Certificates,
      the calendar month prior to the month of such Distribution Date.

     

    Interest
      Remittance Amount: For any Distribution Date and each Loan Group, an amount
      equal to (A) the sum of (1) all interest collected (other than Payaheads, if
      applicable) or advanced in respect of Scheduled Payments on the Mortgage Loans
      in the related Loan Group during the related Due Period, the interest portion
      of
      Payaheads previously received and intended for application in the related Due
      Period and the interest portion of all Payoffs and Curtailments received on
      the
      Mortgage Loans in the related Loan Group during the related Prepayment Period,
      less (x) the related Expense Fee (other than the Excess Servicing Fee) with
      respect to such Mortgage Loans and (y) unreimbursed Advances and other amounts
      due to the Servicer or the Trustee with respect to such Mortgage Loans, to
      the
      extent allocable to interest, (2) all Compensating Interest Payments paid by
      the
      Servicer with respect to the Mortgage Loans it is servicing and such
      Distribution Date, (3) the portion of any Substitution Adjustment Amount or
      Repurchase Price paid with respect to such Mortgage Loans during the calendar
      month immediately preceding the Distribution Date allocable to interest, (4)
      all
      Liquidation Proceeds, Net Recoveries and any Insurance Proceeds and other
      recoveries (net of unreimbursed Advances, Servicing Advances and expenses,
      to
      the extent allocable to interest, and unpaid Servicing Fees) collected with
      respect to such Mortgage Loans during the prior calendar month, to the extent
      allocable to interest and (5) with respect to Loan Group 2, any amounts
      withdrawn from the Capitalized Interest Account to pay interest on the related
      Certificates with respect to such Distribution Date minus (B) any portion of
      any
      amounts payable by the Trust to the Counterparty in respect of Net Swap Payments
      allocable to the related Loan Group and Swap Termination Payments allocable
      to
      the related Loan Group (other than Swap Termination Payments resulting from
      a
      Counterparty Trigger Event and to the extent not paid by the Supplemental
      Interest Trust Trustee from any upfront payment received pursuant to any related
      replacement swap agreement that may be entered into by the Supplemental Interest
      Trust Trustee) for such Distribution Date (or, if such Distribution Date is
      not
      also a Swap Payment Date, for the related Swap Payment Date).

     

    Interest
      Shortfall: For any Distribution Date, the aggregate shortfall, if any, in
      collections of interest for the previous month (adjusted to the related Net
      Mortgage Rate) on Mortgage Loans resulting from (a) Principal Prepayments
      received during the related Prepayment Period to the extent not covered by
      Compensating Interest and (b) Relief Act Reductions.

     

    ISDA:
      International Swaps and Derivatives Association, Inc.

     

    ISDA
      Master Agreement: With respect to the Swap Agreement, the Master Agreement
      dated
      as of the Closing Date between the Supplemental Interest Trust Trustee and
      the
      Counterparty, including the Schedule thereto.

     

    Last
      Scheduled Distribution Date: With respect to each Class of Certificates the
      Distribution Date in March 2037. 

     

    Latest
      Possible Maturity Date: For purposes of satisfying Treasury regulation Section
      1.860G-1(a)(4)(iii), the “latest possible maturity date” of all interests
      created in REMIC 1, REMIC 2, REMIC 3 and REMIC 4 shall be March 25,
      2037.

     

    LIBOR:
      For any Interest Accrual Period other than the first Interest Accrual Period,
      the rate for United States dollar deposits for one month which appears on the
      Dow Jones Telerate Screen Page 3750 as of 11:00 A.M., London, England time,
      on
      the second LIBOR Business Day prior to the first day of such Interest Accrual
      Period. With respect to the first Interest Accrual Period, the rate for United
      States dollar deposits for one month which appears on the Dow Jones Telerate
      Screen Page 3750 as of 11:00 A.M., London, England time, two LIBOR Business
      Days
      prior to the Closing Date. If such rate does not appear on such page (or such
      other page as may replace that page on that service, or if such service is
      no
      longer offered, such other service for displaying LIBOR or comparable rates
      as
      may be reasonably selected by the Trustee), the rate will be the Reference
      Bank
      Rate. If no such quotations can be obtained and no Reference Bank Rate is
      available, LIBOR will be the LIBOR applicable to the Interest Accrual Period
      preceding the next applicable Distribution Date. 

     

    LIBOR
      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 or in the city of London,
      England are required or authorized by law to be closed.

     

    LIBOR
      Certificates: The Class 1A-1, Class 2A-1, Class 2A-2, Class 2A-3, Class M-1,
      Class M-2, Class M-3, Class M-4, Class M-5, Class M-6, Class M-7, Class M-8
      and
      Class M-9 Certificates.

     

    Liquidated
      Mortgage Loan: With respect to any Distribution Date, a defaulted Mortgage
      Loan
      (including any REO Property) which was liquidated or for which payments under
      the related private mortgage insurance policy, hazard insurance policy or any
      condemnation proceeds were received, in the calendar month preceding the month
      of such Distribution Date and as to which the related Servicer has determined
      (in accordance with this Agreement) that it has received all amounts it expects
      to receive in connection with the liquidation of such Mortgage Loan, including
      the final disposition of the related REO Property.

     

    Liquidation
      Proceeds: Amounts, including Insurance Proceeds, received in connection with
      the
      partial or complete liquidation of defaulted Mortgage Loans, whether through
      trustee’s sale, foreclosure sale or similar disposition or amounts received in
      connection with any condemnation or partial release of a Mortgaged Property
      and
      any other proceeds received in connection with an REO Property, in each case,
      which, for the avoidance of doubt, is remaining after, or not otherwise required
      to be applied to, the satisfaction of any related First Mortgage Loan, less
      the
      sum of related unreimbursed Expense Fees, Servicing Advances, Advances and
      reasonable out-of-pocket expenses.

     

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

     

    Loan
      Group 1:  All Mortgage Loans identified as Loan Group 1 Mortgage Loans on
      the Mortgage Loan Schedule.

     

    Loan
      Group 2:  All Mortgage Loans identified as Loan Group 2 Mortgage Loans on
      the Mortgage Loan Schedule.

     

    Majority
      in Interest: As to any Class of Regular Certificates or the Class X-2
      Certificates, the Holders of Certificates of such Class evidencing, in the
      aggregate, at least 51% of the Percentage Interests evidenced by all
      Certificates of such Class.

     

    Majority
      Servicer: The Servicer servicing the largest percentage by Stated Principal
      Balance of outstanding Mortgage Loans on the Optional Termination
      Date.

     

    Marker
      Rate: With respect to the Class X-1 Certificates and any Distribution Date,
      a
      per annum rate equal to two (2) times the weighted average of the Uncertificated
      REMIC 3 Pass-Through Rates for REMIC 3 Regular Interests MTII-1A-1, MTII-2A-1,
      MTII-2A-2, MTII-2A-3, MTII-M-1, MTII-M-2, MTII-M-3, MTII-M-4, MTII-M-5,
      MTII-M-6, MTII-M-7, MTII-M-8, MTII-M-9 and MTII-ZZ, with the rates on such
      REMIC
      3 Regular Interests (other than REMIC 3 Regular Interest MTII-ZZ), subject
      to a
      cap, for the purpose of this calculation, equal to the lesser of (A) LIBOR
      plus
      the Certificate Margin for the Corresponding Certificate and (B) the
      Uncertificated REMIC 3 Pass-Through Rate on REMIC 3 Regular Interest MTII-AA,
      and with the rate on the REMIC 3 Regular Interest MTII-ZZ subject to a cap,
      for
      the purpose of this calculation, equal to zero; provided, however, that for
      this
      purpose, the calculation of the Uncertificated REMIC 3 Pass-Through Rate and
      the
      related cap with respect to each such REMIC 3 Regular Interest (other than
      REMIC
      3 Regular Interest LT-ZZ) shall be multiplied by a fraction, the numerator
      of
      which is the actual number of days in the Interest Accrual Period and the
      denominator of which is thirty (30).

     

    Maximum
      Notional Amount: With respect to the Class X-S Certificates and solely for
      purposes of the face thereof, $275,000,000.

     

    MERS:
      Mortgage Electronic Registration Systems, Inc., a corporation organized and
      existing under the laws of the State of Delaware, or any successor
      thereto.

     

    MERS
      Mortgage Loan: Any Mortgage Loan registered with MERS on the MERS
      System.

     

    MERS®
      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® System.

     

    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
      Excess Cashflow: For any Distribution Date, an amount equal to the sum of (1)
      the Monthly Excess Interest and (2) the Overcollateralization Release Amount,
      if
      any, for such date.

     

    Monthly
      Excess Interest: As to any Distribution Date, the sum of (A) the Interest
      Remittance Amount remaining after the application of payments pursuant to
      clauses A. through L. of Section 4.02(b)(i) plus (B) the Principal Payment
      Amount remaining after the application of payments pursuant to clauses A.
      through K. of Section 4.02(b)(ii) or (iii).

     

    Monthly
      Statement: The statement delivered to the Certificateholders pursuant to Section
      4.06.

     

    Moody’s:
      Moody’s Investors Service, Inc., or any successor thereto. For purposes of
      Section 10.05(b) the address for notices to Moody’s shall be Moody’s Investors
      Service, Inc., 99 Church Street, New York, New York 10007, Attention:
      Residential Pass-Through Monitoring, or such other address as Moody’s may
      hereafter furnish to the Depositor, the Servicer and the Trustee.

     

    Mortgage:
      The mortgage, deed of trust or other instrument creating a first or second
      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(b) hereof pertaining to
      a
      particular Initial Mortgage Loan or Subsequent Mortgage Loan and any additional
      documents delivered to the Trustee to be added to the Mortgage File pursuant
      to
      this Agreement.

     

    Mortgage
      Loans: Such of the mortgage loans transferred and assigned to the Trustee
      pursuant to the provisions hereof as from time to time are held as a part of
      the
      Trust Fund (including any REO Property), the mortgage loans so held being
      identified in the Mortgage Loan Schedule, notwithstanding foreclosure or other
      acquisition of title of the related Mortgaged Property.

     

    Mortgage
      Loan Purchase Agreement: Each mortgage loan purchase agreement between the
      Seller and an Originator.

     

    Mortgage
      Loan Schedule: The Mortgage Loan Schedule which will list the Mortgage Loans
      (as
      from time to time amended by the Seller to reflect the addition of Qualified
      Substitute Mortgage Loans and the purchase of Mortgage Loans pursuant to Section
      2.01(f), 2.02 or 2.03) transferred to the Trustee as part of the Trust Fund
      and
      from time to time subject to this Agreement, attached hereto as Schedule I,
      setting forth the following information with respect to each Mortgage
      Loan:

     

    (i)  the
      Mortgage Loan identifying number;

     

    (ii)  a
      code
      indicating the type of Mortgaged Property and the occupancy status;

     

    (iii)  a
      code
      indicating the Servicer of the Mortgage Loan;

     

    (iv)  the
      original months to maturity;

     

    (v)  the
      Loan-to-Value Ratio at origination;

     

    (vi)  the
      Combined Loan-to-Value Ratio at origination;

     

    (vii)  the
      related borrower’s debt-to-income ratio at origination;

     

    (viii)  the
      related borrower’s credit score
      at
      origination;

     

    (ix)  the
      Mortgage Rate as of the Cut-off Date;

     

    (x)  the
      stated maturity date;

     

    (xi)  the
      amount of the Scheduled Payment as of the Cut-off Date;

     

    (xii)  the
      original principal amount of the Mortgage Loan;

     

    (xiii)  the
      principal balance of the Mortgage Loan as of the close of business on the
      Cut-off Date, after deduction of payments of principal due on or before the
      Cut-off Date whether or not collected;

     

    (xiv)  the
      purpose of the Mortgage Loan (i.e., purchase, rate and term refinance, equity
      take-out refinance);

     

    (xv)  a
      code
      indicating whether a Prepayment Charge is required to be paid in connection
      with
      a prepayment of the Mortgage Loan and the term and the amount of the Prepayment
      Charge;

     

    (xvi)  the
      index
      that is associated with such Mortgage Loan, if applicable;

     

    (xvii)  the
      gross
      margin, if applicable;

     

    (xviii)  the
      periodic rate cap, if applicable;

     

    (xix)  the
      minimum mortgage rate, if applicable;

     

    (xx)  the
      maximum mortgage rate, if applicable;

     

    (xxi)  the
      Servicing Fee Rate;

     

    (xxii)  the
      Expense Fee Rate;

     

    (xxiii)  a
      code
      indicating whether the Mortgage Loan is a MERS Mortgage Loan and, if so, its
      corresponding MIN; 

     

    (xxiv)  a
      code
      indicating whether the Mortgage Loan is a Balloon Loan; and

     

    (xxv)  whether
      such Mortgage Loan is a Group 1 Loan or Group 2 Loan.

     

    With
      respect to the Mortgage Loans in the aggregate, each Mortgage Loan Schedule
      shall set forth the following information, as of the Cut-off Date:

     

    (i)  the
      number of Mortgage Loans;

     

    (ii)  the
      current aggregate principal balance of the Mortgage Loans as of the close of
      business on the Cut-off Date, after deduction of payments of principal due
      on or
      before the Cut-off Date whether or not collected; and

     

    (iii)  the
      weighted average Mortgage Rate of the Mortgage Loans.

     

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

     

    Mortgage
      Rate: The annual fixed rate of interest borne by a Mortgage Note.

     

    Mortgaged
      Property: The underlying real property securing a Mortgage Loan.

     

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

     

    Net
      Excess Spread: With respect to any Distribution Date and Loan, a fraction,
      expressed as a percentage, the numerator of which is equal to the excess of
      (x)
      the aggregate Stated Principal Balance for such Distribution Date of the
      Mortgage Loans, multiplied by the weighted average Net Mortgage Rate of such
      Mortgage Loans over (y) the Interest Remittance Amount for such Distribution
      Date, and the denominator of which is an amount equal to the aggregate Stated
      Principal Balance for such Distribution Date of the Mortgage Loans, multiplied
      by the actual number of days elapsed in the related Interest Accrual Period
      divided by 360.

     

    Net
      Funds
      Cap: Any of the Group 1 Senior Net Funds Cap, the Group 2 Senior Net Funds
      Cap
      and the Subordinate Net Funds Cap.

     

    Net
      Mortgage Rate: As to each Mortgage Loan, and at any time, the per annum rate
      equal to the Mortgage Rate less the related Expense Fee Rate.

     

    Net
      Prepayment Interest Shortfalls: As to any Distribution Date, the amount, if
      any,
      by which the aggregate of Prepayment Interest Shortfalls during the Prepayment
      Period exceeds the Compensating Interest Payment for such Distribution
      Date.

     

    Net
      Recovery: Any proceeds received by the Servicer on a delinquent or Charged
      Off
      Loan (including any Liquidation Proceeds received on a Charged Off Loan), net
      of
      any unreimbursed Advance, Servicing Fee, Ancillary Income and any other
      Servicing Advances or related expenses. Notwithstanding the foregoing, in
      accordance with Section 3.11(a)(iii), the Servicer will discontinue making
      Advances at the time a Mortgage Loan becomes a Charged Off Loan, and the
      Servicer shall not be entitled to any reimbursement for Advances out of future
      recoveries on such Charged Off Loan.

     

    Net
      Swap
      Payment: With respect to each Swap Payment Date, the net payment required to
      be
      made pursuant to the terms of the Swap Agreement by either the Counterparty
      or
      the Supplemental Interest Trust Trustee which net payment shall not take into
      account any Swap Termination Payment.

     

    Nonrecoverable
      Advance: With respect to any Mortgage Loan, any portion of an Advance or
      Servicing Advance previously made or proposed to be made by the Servicer that,
      in the good faith judgment of the Servicer, will not be ultimately recoverable
      by the Servicer from the related Mortgagor, related Liquidation Proceeds or
      otherwise.

     

    Notional
      Amount: The Class X-1 Notional Amount or the Class X-S Notional Amount, as
      applicable.

     

    Notional
      Amount Certificates: As specified in the Preliminary Statement.

     

    Offered
      Certificates: As specified in the Preliminary Statement.

     

    Officer’s
      Certificate: A certificate signed by the Chairman of the Board or the Vice
      Chairman of the Board or the President or a Vice President or an Assistant
      Vice
      President or the Treasurer or the Secretary or one of the Assistant Treasurers
      or Assistant Secretaries of a Servicer, any Special Servicer or the Depositor,
      and delivered to the Depositor or the Trustee, as the case may be, as required
      by this Agreement.

     

    Opinion
      of Counsel: A written opinion of counsel, who may be counsel for the Depositor
      or a Servicer, including in-house counsel, reasonably acceptable to the Trustee;
      provided, however, that with respect to the interpretation or application of
      the
      REMIC Provisions, such counsel must (i) in fact be independent of the Depositor
      and any Servicer, (ii) not have any material direct financial interest in the
      Depositor or any Servicer or in any affiliate of either, and (iii) not be
      connected with the Depositor or any Servicer as an officer, employee, promoter,
      underwriter, trustee, partner, director or person performing similar
      functions.

     

    Optional
      Termination: The termination of the trust created hereunder in connection with
      the purchase of the Mortgage Loans pursuant to Section 9.01.

     

    Optional
      Termination Date: The first date on which the Optional Termination may be
      exercised.

     

    Optional
      Termination Notice Period: As defined in Section 9.02.

     

    Originator:
      With respect to each Mortgage Loan, the entity that sold such Mortgage Loan
      to
      the Seller.

     

    OTS:
      The
      Office of Thrift Supervision.

     

    Outsourcer:
      As defined in Section 3.02.

     

    Outstanding:
      With respect to the Certificates as of any date of determination, all
      Certificates theretofore executed and authenticated under this Agreement except:
      (i) Certificates theretofore canceled by the Trustee or delivered to the Trustee
      for cancellation; and (ii) Certificates in exchange for which or in lieu of
      which other Certificates have been executed and delivered by the Trustee
      pursuant to this Agreement.

     

    Outstanding
      Mortgage Loan: As of any Due Date, a Mortgage Loan with a Stated Principal
      Balance greater than zero which was not the subject of a Payoff prior to such
      Due Date and which did not become a Liquidated Mortgage Loan or Charged Off
      Loan
      prior to such Due Date.

     

    Overcollateralization
      Amount: For any Distribution Date, an amount equal to the amount, if any, by
      which (x) the Aggregate Collateral Balance for such Distribution Date exceeds
      (y) the aggregate Class Principal Balance of the Certificates after giving
      effect to payments on such Distribution Date. 

     

    Overcollateralization
      Release Amount: For any Distribution Date, an amount equal to the lesser of
      (x)
      the Principal Remittance Amount (without regard to clauses (6) and (B) of such
      definition) for such Distribution Date and (y) the amount, if any, by which
      (1)
      the Overcollateralization Amount for such date, calculated for this purpose
      on
      the basis of the assumption that 100% of the aggregate of the Principal
      Remittance Amount and Excess Cashflow Loss Payment for such date is applied
      on
      such date in reduction of the aggregate of the Class Principal Balances of
      the
      Certificates (to an amount not less than zero), exceeds (2) the Targeted
      Overcollateralization Amount for such date.

     

    Overfunded
      Interest Amount: With respect to the January 2007 Distribution Date and February
      2007 Distribution Date, the excess of (A) the amount on deposit in the
      Capitalized Interest Account on such date over (B) the excess of (i) the amount
      of interest accruing at (x) the assumed weighted average Pass-Through Rates
      of
      the Certificates multiplied by (y) the Pre-Funding Amount outstanding at the
      end
      of the related Due Period for the total number of days remaining through the
      end
      of the Interest Accrual Periods ending (a) January 25, 2007, (b) February 26,
      2007 and (c) March 26, 2007 over (ii) one month of investment earnings on the
      amount on deposit in the Capitalized Interest Account on such date at an annual
      rate of 2.670%. The assumed weighted average Pass-Through Rate of the
      Certificates will be calculated assuming LIBOR is 5.35% for any Subsequent
      Transfer Date for the Subsequent Mortgage Loans prior to the January 2007
      Distribution Date, 5.70% for any Subsequent Transfer Date for the Subsequent
      Mortgage Loans prior to the February 2007 Distribution Date and 6.05% for any
      Subsequent Transfer Date for the Subsequent Mortgage Loans prior to the March
      2007 Distribution Date.

     

    Ownership
      Interest: As to any Residual 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.

     

    Par
      Value: As defined in Section 9.01 hereof. 

     

    Pass-Through
      Rate: With respect to the Class 1A-1, Class 2A-1, Class 2A-2, Class 2A-3, Class
      A-R, Class P, Class M-1, Class M-2, Class M-3, Class M-4, Class M-5, Class
      M-6,
      Class M-7, Class M-8 and Class M-9 Certificates, the
      Class
      1A-1
      Pass-Through Rate, Class 1A-2 Pass-Through Rate, Class 2A-2 Pass-Through Rate,
      Class 2A-3 Pass-Through Rate, Class A-R Pass-Through Rate, Class P Pass-Through
      Rate, Class M-1 Pass-Through Rate, Class M-2 Pass-Through Rate, Class M-3
      Pass-Through Rate, Class M-4 Pass-Through Rate, Class M-5 Pass-Through Rate,
      Class M-6 Pass-Through Rate, Class M-7 Pass-Through Rate, Class M-8 Pass-Through
      Rate and Class M-9 Pass-Through Rate. 

     

    With
      respect to the Class X-1 Certificates and any Distribution Date, a per annum
      rate equal to the percentage equivalent of a fraction, the numerator of which
      is
      the sum of the amounts calculated pursuant to clauses (A) through (O) below,
      and
      the denominator of which is the aggregate of the Uncertificated Principal
      Balances of REMIC 3 Regular Interest MTII-AA, REMIC 3 Regular Interest
      MTII-1A-1, REMIC 3 Regular Interest MTII-2A-1, REMIC 3 Regular Interest
      MTII-2A-2, REMIC 3 Regular Interest MTII-2A-3, REMIC 3 Regular Interest
      MTII-M-1, REMIC 3 Regular Interest MTII-M-2, REMIC 3 Regular Interest MTII-M-3,
      REMIC 3 Regular Interest MTII-M-4, REMIC
      3
      Regular Interest MTII-M-5, REMIC
      3
      Regular Interest MTII-M-6, REMIC 3 Regular Interest MTII-M-7, REMIC 3 Regular
      Interest MTII-M-8, REMIC 3 Regular Interest MTII-M-9 and REMIC 3 Regular
      Interest MTII-ZZ. For purposes of calculating the Pass-Through Rate for the
      Class X-1 Certificates, the numerator is equal to the sum of the following
      components:

     

    (A) the
      Uncertificated REMIC 3 Pass-Through Rate for REMIC 3 Regular Interest MTII-AA
      minus the Marker Rate, applied to an amount equal to the Uncertificated
      Principal Balance of REMIC 3 Regular Interest MTII-AA;

     

    (B) the
      Uncertificated REMIC 3 Pass-Through Rate for REMIC 3 Regular Interest MTII-A-1
      minus the Marker Rate, applied to an amount equal to the Uncertificated
      Principal Balance of REMIC 3 Regular Interest MTII-1A-1;

     

    (C)
       the
      Uncertificated REMIC 3 Pass-Through Rate for REMIC 3 Regular Interest MTII-A-1
      minus the Marker Rate, applied to an amount equal to the Uncertificated
      Principal Balance of REMIC 3 Regular Interest MTII-2A-1;

     

    (D) the
      Uncertificated REMIC 3 Pass-Through Rate for REMIC 3 Regular Interest MTII-A-2
      minus the Marker Rate, applied to an amount equal to the Uncertificated
      Principal Balance of REMIC 3 Regular Interest MTII-2A-2;

     

    (E) the
      Uncertificated REMIC 3 Pass-Through Rate for REMIC 3 Regular Interest MTII-A-3
      minus the Marker Rate, applied to an amount equal to the Uncertificated
      Principal Balance of REMIC 3 Regular Interest MTII-2A-3;

     

    (F) the
      Uncertificated REMIC 3 Pass-Through Rate for REMIC 3 Regular Interest MTII-M-1
      minus the Marker Rate, applied to an amount equal to the Uncertificated
      Principal Balance of REMIC 3 Regular Interest MTII-M-1;

     

    (G) the
      Uncertificated REMIC 3 Pass-Through Rate for REMIC 3 Regular Interest MTII-M-2
      minus the Marker Rate, applied to an amount equal to the Uncertificated
      Principal Balance of REMIC 3 Regular Interest MTII-M-2;

     

    (H) the
      Uncertificated REMIC 3 Pass-Through Rate for REMIC 3 Regular Interest MTII-M-3
      minus the Marker Rate, applied to an amount equal to the Uncertificated
      Principal Balance of REMIC 3 Regular Interest MTII-M-3;

     

    (I) the
      Uncertificated REMIC 3 Pass-Through Rate for REMIC 3 Regular Interest MTII-M-4
      minus the Marker Rate, applied to an amount equal to the Uncertificated
      Principal Balance of REMIC 3 Regular Interest MTII-M-4;

     

    (J) the
      Uncertificated REMIC 3 Pass-Through Rate for REMIC 3 Regular Interest MTII-M-5
      minus the Marker Rate, applied to an amount equal to the Uncertificated
      Principal Balance of REMIC 3 Regular Interest MTII-M-5;

     

    (K) the
      Uncertificated REMIC 3 Pass-Through Rate for REMIC 3 Regular Interest MTII-M-6
      minus the Marker Rate, applied to an amount equal to the Uncertificated
      Principal Balance of REMIC 3 Regular Interest MTII-M-6;

     

    (L) the
      Uncertificated REMIC 3 Pass-Through Rate for REMIC 3 Regular Interest MTII-M-7
      minus the Marker Rate, applied to an amount equal to the Uncertificated
      Principal Balance of REMIC 3 Regular Interest MTII-M-7;

     

    (M) the
      Uncertificated REMIC 3 Pass-Through Rate for REMIC 3 Regular Interest MTII-M-8
      minus the Marker Rate, applied to an amount equal to the Uncertificated
      Principal Balance of REMIC 3 Regular Interest MTII-M-8;

     

    (N) the
      Uncertificated REMIC 3 Pass-Through Rate for REMIC 3 Regular Interest MTII-M-9
      minus the Marker Rate, applied to an amount equal to the Uncertificated
      Principal Balance of REMIC 3 Regular Interest MTII-M-9; and

     

    (O) the
      Uncertificated REMIC 3 Pass-Through Rate for REMIC 3 Regular Interest MTII-ZZ
      minus the Marker Rate, applied to an amount equal to the Uncertificated
      Principal Balance of REMIC 3 Regular Interest MTII-ZZ.

     

    Payahead:
      Any Scheduled Payment intended by the related Mortgagor to be applied in a
      Due
      Period subsequent to the Due Period in which such payment was
      received.

     

    Payoff:
      Any payment of principal on a Mortgage Loan equal to the entire outstanding
      Stated Principal Balance of such Mortgage Loan, if received in advance of the
      last scheduled Due Date for such Mortgage Loan and accompanied by an amount
      of
      interest equal to accrued unpaid interest on the Mortgage Loan to the date
      of
      such payment-in-full.

     

    Percentage
      Interest: As to any Certificate, the percentage interest evidenced thereby
      in
      distributions required to be made on the related Class, such percentage interest
      being set forth on the face thereof or equal to the percentage obtained by
      dividing the Denomination of such Certificate by the aggregate of the
      Denominations of all Certificates of the same Class.

     

    Permitted
      Transferee: Any person other than (i) the United States, any State or political
      subdivision thereof, or any agency or instrumentality of any of the foregoing,
      (ii) a foreign government, International Organization or any agency or
      instrumentality of either of the foregoing, (iii) an organization (except
      certain farmers’ cooperatives described in section 521 of the Code) which is
      exempt from tax imposed by Chapter 1 of the Code (including the tax imposed
      by
      section 511 of the Code on unrelated business taxable income) on any excess
      inclusions (as defined in section 860E(c)(1) of the Code) with respect to any
      Residual Certificate, (iv) rural electric and telephone cooperatives described
      in section 1381(a)(2)(C) of the Code, (v) a Person that is not a United States
      Person, and (vi) a Person designated as a non-Permitted Transferee by the
      Depositor based upon an Opinion of Counsel that the Transfer of an Ownership
      Interest in a Residual Certificate to such Person may cause any REMIC created
      hereunder to fail to qualify as a REMIC at any time that the Certificates are
      outstanding. The terms “United States,” “State” and “International Organization”
shall have the meanings set forth in section 7701 of the Code or successor
      provisions. A corporation will not be treated as an instrumentality of the
      United States or of any State or political subdivision thereof for these
      purposes if all of its activities are subject to tax and, with the exception
      of
      Freddie Mac, a majority of its board of directors is not selected by such
      government unit.

     

    Person:
      Any individual, corporation, partnership, joint venture, association, limited
      liability company, joint-stock company, trust, unincorporated organization
      or
      government, or any agency or political subdivision thereof.

     

    Physical
      Certificates: As specified in the Preliminary Statement.

     

    Pre-Funding
      Account: The separate Eligible Account created and maintained by the Trustee
      with respect to the Mortgage Loans in Loan Group 2 pursuant to Section 3.05(f)
      in the name of the Trustee for the benefit of the Certificateholders and
      designated “U.S. Bank National Association, in trust for registered holders of
      Home Equity Mortgage Pass-Through Certificates, Series 2006-6.” Funds in the
      Pre-Funding Account shall be held in trust for the Certificateholders for the
      uses and purposes set forth in this Agreement and shall not be a part of any
      REMIC created hereunder; provided, however, that any investment income earned
      from Eligible Investments made with funds in the Pre-Funding Account shall
      be
      for the account of the Depositor.

     

    Pre-Funding
      Amount: The amount deposited in the Pre-Funding Account on the Closing Date,
      which shall equal $33,568,726.38.

     

    Pre-Funding
      Period: The period from the Closing Date until the earliest of (i) the date
      on
      which the amount on deposit in the Pre-Funding Account is reduced to zero,
      (ii)
      the date on which an Event of Default occurs or (iii) March 23,
      2007.

     

    Prepayment
      Charge: With respect to any Mortgage Loan, any charge required to be paid if
      the
      Mortgagor prepays such Mortgage Loan as provided in the related Mortgage Note
      or
      Mortgage.

     

    Prepayment
      Interest Excess: As to any Mortgage Loan, Distribution Date and Principal
      Prepayment in full during the portion of the related Prepayment Period occurring
      from the first day through the fourteenth day of the calendar month in which
      such Distribution Date occurs, an amount equal to interest (to the extent
      received) at the applicable Mortgage Rate (giving effect to any applicable
      Relief Act Reduction), as reduced by the related Expense Fee Rate on the amount
      of such Principal Prepayment for the number of days commencing on the first
      day
      of the calendar month in which such Distribution Date occurs and ending on
      the
      date on which such Principal Prepayment is so applied; provided that Prepayment
      Interest Excess shall only exist with respect to any Mortgage Loan and any
      Distribution Date if the related Principal Prepayment in full is deposited
      by
      the Servicer in the Collection Account pursuant to Section 3.05(b)(i) hereof
      in
      the same month as such Principal Prepayment in full is made, to be included
      with
      distributions on such Distribution Date.

     

    Prepayment
      Interest Shortfall: As to any Mortgage Loan, Distribution Date and Principal
      Prepayment, other than Principal Prepayments in full that occur during the
      portion of the Prepayment Period that is in the same calendar month as the
      Distribution Date, the difference between (i) one full month’s interest at the
      applicable Mortgage Rate (giving effect to any applicable Relief Act Reduction),
      as reduced by the Expense Fee Rate, on the Stated Principal Balance of such
      Mortgage Loan immediately prior to such Principal Prepayment and (ii) the amount
      of interest actually received that accrued during the month immediately
      preceding such Distribution Date or, with respect to any Mortgage Loan with
      a
      Due Date other than the first of the month, the amount of interest actually
      received that accrued during the one-month period immediately preceding the
      Due
      Date following the Principal Prepayment, with respect to such Mortgage Loan
      in
      connection with such Principal Prepayment.

     

    Prepayment
      Period: With respect to each Distribution Date (other than the January 2007
      Distribution Date), each Mortgage Loan and each Payoff, the related “Prepayment
      Period” will be the 15th
      of the
      month preceding the month in which the related Distribution Date occurs through
      the 14th
      of the
      month in which the related Distribution Date occurs. With respect to the January
      2007 Distribution Date, each Mortgage Loan and each Payoff, the related
“Prepayment Period” will be December 1, 2006 through January 14, 2007. With
      respect to each Distribution Date and each Curtailment, the related “Prepayment
      Period” will be the calendar month preceding the month in which the related
      Distribution Date occurs.

     

    Principal
      Payment Amount: For any Distribution Date, an amount equal to the Principal
      Remittance Amount for such date, minus the Overcollateralization Release Amount,
      if any, for such date.

     

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

     

    Principal
      Remittance Amount: For any Distribution Date and each Loan Group, an amount
      equal to (A) the sum of (1) all principal collected (other than Payaheads)
      or
      advanced in respect of Scheduled Payments on the Mortgage Loans in the related
      Loan Group during the related Due Period (less unreimbursed Advances, Servicing
      Advances and other amounts due to the Servicer and the Trustee with respect
      to
      such Mortgage Loans, to the extent allocable to principal) and the principal
      portion of Payaheads previously received and intended for application in the
      related Due Period, (2) all Principal Prepayments on the Mortgage Loans received
      during the related Prepayment Period, (3) the outstanding principal balance
      of
      each Mortgage Loan in the related Loan Group that was repurchased by the Seller,
      the Terminating Entity or by any Special Servicer during the calendar month
      immediately preceding such Distribution Date, (4) the portion of any
      Substitution Adjustment Amount paid with respect to any Deleted Mortgage Loans
      in the related Loan Group during the calendar month immediately preceding such
      Distribution Date allocable to principal, (5) all Liquidation Proceeds and
      any
      Insurance Proceeds and other recoveries in the related Loan Group (net of
      unreimbursed Advances, Servicing Advances and other expenses, to the extent
      allocable to principal) and Net Recoveries collected with respect to the
      Mortgage Loans in the related Loan Group during the prior calendar month, to
      the
      extent allocable to principal, (6) amounts withdrawn from the Swap Account
      to
      cover Realized Losses on such Mortgage Loans incurred during the related
      Collection Period and (7) with respect to Loan Group 2 and the Distribution
      Date
      in March 2007, the amount remaining in the Pre-Funding Account at the end of
      the
      Pre-Funding Period minus (B) the sum of (1) amounts payable by the Trust to
      the
      Counterparty in respect of Net Swap Payments and Swap Termination Payments
      allocable to the related Loan Group (other than Swap Termination Payments
      resulting from a Counterparty Trigger Event and to the extent not paid by the
      Supplemental Interest Trust Trustee from any upfront payment received pursuant
      to any related replacement swap agreement that may be entered into by the
      Supplemental Interest Trust Trustee) for such Distribution Date (or, if such
      Distribution Date is not also a Swap Payment Date, for the related Swap Payment
      Date) to the extent not paid from the related Interest Remittance Amount for
      such Distribution Date and the extent remaining unpaid from any previous
      Distribution Date and (2) the Capitalization Reimbursement Amount for such
      Distribution Date.

     

    Prospectus
      Supplement: The Prospectus Supplement dated December 28, 2006 relating to the
      Offered Certificates.

     

    PUD:
      Planned Unit Development.

     

    Qualified
      Insurer: A mortgage guaranty insurance company duly qualified as such under
      the
      laws of the state of its principal place of business and each state having
      jurisdiction over such insurer in connection with the insurance policy issued
      by
      such insurer, duly authorized and licensed in such states to transact a mortgage
      guaranty insurance business in such states and to write the insurance provided
      by the insurance policy issued by it, approved as a Fannie Mae- or Freddie
      Mac-approved mortgage insurer or having a claims paying ability rating of at
      least “AA” or equivalent rating by at least two nationally recognized
      statistical rating organizations. Any replacement insurer with respect to a
      Mortgage Loan must have at least as high a claims paying ability rating as
      the
      insurer it replaces had on the Closing Date.

     

    Qualified
      Substitute Mortgage Loan: A Mortgage Loan substituted by the Seller for a
      Deleted Mortgage Loan which must, on the date of such substitution, as confirmed
      in a Request for Release, substantially in the form of Exhibit M (i) have a
      Stated Principal Balance, after deduction of the principal portion of the
      Scheduled 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 principal balance), not in excess of, and not more than 10% less
      than
      the Stated Principal Balance of the Deleted Mortgage Loan; (ii) be accruing
      interest at a rate no lower than and not more than 1% per annum higher than,
      that of the Deleted Mortgage Loan; (iii) have a Combined Loan-to-Value Ratio
      no
      higher than that of the Deleted Mortgage Loan; (iv) have a remaining term to
      maturity no 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 Section 2.03(f).

     

    Rating
      Agency: Moody’s and S&P. If any such organization or a successor is no
      longer in existence, “Rating Agency” shall be such nationally recognized
      statistical rating organization, or other comparable Person, as is designated
      by
      the Depositor, notice of which designation shall be given to the Trustee and
      the
      Servicer. References herein to a given rating or rating category of a Rating
      Agency shall mean such rating category without giving effect to any
      modifiers.

     

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

     

    Realized
      Loss: With respect to each Liquidated Mortgage Loan, an amount (not less than
      zero or greater than the Stated Principal Balance of the Mortgage Loan) as
      of
      the date of such liquidation, equal to (i) the Stated Principal Balance of
      the
      Liquidated Mortgage Loan as of the date of such liquidation, plus (ii) interest
      at the Net Mortgage Rate from the related Due Date as to which interest was
      last
      paid or advanced (and not reimbursed) to the related Certificateholders up
      to
      the related Due Date in the month in which Liquidation Proceeds are required
      to
      be distributed on the Stated Principal Balance of such Liquidated Mortgage
      Loan
      from time to time, minus (iii) the Liquidation Proceeds, if any, received during
      the month in which such liquidation occurred, to the extent applied as
      recoveries of interest at the Net Mortgage Rate and to principal of the
      Liquidated Mortgage Loan. Any Charged Off Loan will give rise to a Realized
      Loss
      (calculated as if clause (iii) of the previous sentence is equal to zero) at
      the
      time it is charged off, as described in Section 3.11(a)(iii)
      hereof.

     

    If
      the
      Servicer receives Net Recoveries with respect to any Charged Off Loan, the
      amount of the Realized Loss with respect to that Charged Off Loan will be
      reduced to the extent such recoveries are applied to principal distributions
      on
      any Distribution Date.

     

    Record
      Date: With respect to the Certificates (other than the LIBOR Certificates which
      are Book-Entry Certificates) and any Distribution Date, the close of business
      on
      the last Business Day of the month preceding the month in which such applicable
      Distribution Date occurs. With respect to the LIBOR Certificates which are
      Book-Entry Certificates and any Distribution Date, the close of business on
      the
      Business Day preceding such Distribution Date.

     

    Reference
      Bank Rate: With respect to any Interest Accrual Period, as follows: the
      arithmetic mean (rounded upwards, if necessary, to the nearest one sixteenth
      of
      a percent) of the offered rates for United States dollar deposits for one month
      which are offered by the Reference Banks as of 11:00 A.M., London, England
      time,
      on the second LIBOR Business Day prior to the first day of such Interest Accrual
      Period to prime banks in the London interbank market for a period of one month
      in amounts approximately equal to the aggregate Class Principal Balance of
      the
      LIBOR Certificates; provided that at least two such Reference Banks provide
      such
      rate. If fewer than two offered rates appear, the Reference Bank Rate will
      be
      the arithmetic mean of the rates quoted by one or more major banks in New York
      City, selected by the Trustee, as of 11:00 a.m., New York time, on such date
      for
      loans in U.S. Dollars to leading European Banks for a period of one month in
      amounts approximately equal to the aggregate Class Principal Balance of the
      LIBOR Certificates. If no such quotations can be obtained, the Reference Bank
      Rate shall be LIBOR applicable to the preceding Distribution Date; provided
      however, that if, under the priorities indicated above, LIBOR for a Distribution
      Date would be based on LIBOR for the previous Distribution Date for the third
      consecutive Distribution Date, the Trustee shall select an alternative
      comparable index over which the Trustee has no control, used for determining
      one-month Eurodollar lending rates that is calculated and published or otherwise
      made available by an independent party.

     

    Reference
      Banks: Barclays Bank PLC, National Westminster Bank and Abbey National
      PLC.

     

    Regular
      Certificates: As specified in the Preliminary Statement.

     

    Released
      Loan: Any Charged Off Loan that is released by the Servicer to the Class X-2
      Certificateholders pursuant to Section 3.11(a), generally on the date that
      is
      six months after the date on which the Servicer begins using Special Servicing
      on such Charged Off Loans. Any Released Loan will no longer be an asset of
      any
      REMIC or the Trust Fund.

     

    Relief
      Act: The Servicemembers Civil Relief Act or any similar state or local law
      or
      regulation.

     

    Relief
      Act Reductions: With respect to any Distribution Date and any Mortgage Loan
      as
      to which there has been a reduction in the amount of interest or principal
      collectible thereon (attributable to any previous month) as a result of the
      application of the Relief Act or similar state law or regulation, the amount,
      if
      any, by which (i) interest and/or principal collectible on such Mortgage Loan
      for the most recently ended calendar month is less than (ii) interest and/or
      principal accrued thereon for such month pursuant to the Mortgage
      Note.

     

    REMIC:
      A
“real estate mortgage investment conduit” within the meaning of section 860D of
      the Code.

     

    REMIC
      1:
      The segregated pool of assets subject hereto, constituting the primary trust
      created hereby and to be administered hereunder, with respect to which a REMIC
      election is to be made consisting of: (i) such Mortgage Loans as from time
      to
      time are subject to this Agreement (other than any Prepayment Charges), together
      with the Mortgage Files relating thereto, and together with all collections
      thereon and proceeds thereof, (ii) any REO Property, together with all
      collections thereon and proceeds thereof, (iii) the Trustee’s rights with
      respect to the Mortgage Loans under all insurance policies, including any
      Primary Insurance Policy, required to be maintained pursuant to this Agreement
      and any proceeds thereof and (iv) the Collection Account and the Certificate
      Account (subject to the last sentence of this definition) and such assets that
      are deposited therein from time to time and any investments thereof.
      Notwithstanding the foregoing, however, a REMIC election will not be made with
      respect to the Basis Risk Reserve Fund, Pre-Funding Account, the Capitalized
      Interest Account and the Swap Account.

     

    REMIC
      1
      Regular Interest LTI-1: One of the separate non-certificated beneficial
      ownership interests in REMIC 1 issued hereunder and designated as a Regular
      Interest in REMIC 1. REMIC 1 Regular Interest LTI-1 shall accrue interest at
      the
      related Uncertificated REMIC 1 Pass-Through Rate in effect from time to time,
      and shall be entitled to distributions of principal, subject to the terms and
      conditions hereof, in an aggregate amount equal to its initial Uncertificated
      Principal Balance as set forth in the Preliminary Statement hereto.

     

    REMIC
      1
      Regular Interest LTI-2: One of the separate non-certificated beneficial
      ownership interests in REMIC 1 issued hereunder and designated as a Regular
      Interest in REMIC 1. REMIC 1 Regular Interest LTI-2 shall accrue interest at
      the
      related Uncertificated REMIC 1 Pass-Through Rate in effect from time to time,
      and shall be entitled to distributions of principal, subject to the terms and
      conditions hereof, in an aggregate amount equal to its initial Uncertificated
      Principal Balance as set forth in the Preliminary Statement hereto.

     

    REMIC
      1
      Regular Interest LTI-2PF: One of the separate non-certificated beneficial
      ownership interests in REMIC 1 issued hereunder and designated as a Regular
      Interest in REMIC 1. REMIC 1 Regular Interest LTI-2PF shall accrue interest
      at
      the related Uncertificated REMIC 1 Pass-Through Rate in effect from time to
      time, and shall be entitled to distributions of principal, subject to the terms
      and conditions hereof, in an aggregate amount equal to its initial
      Uncertificated Principal Balance as set forth in the Preliminary Statement
      hereto. 

     

    REMIC
      1
      Regular Interest LTI-S1: One of the separate non-certificated beneficial
      ownership interests in REMIC 1 issued hereunder and designated as a Regular
      Interest in REMIC 1. REMIC 1 Regular Interest LTI-S1 shall accrue interest
      at
      the related Uncertificated REMIC 1 Pass-Through Rate in effect from time to
      time, and shall not be entitled to distributions of principal. 

     

    REMIC
      1
      Regular Interest LTI-S2: One of the separate non-certificated beneficial
      ownership interests in REMIC 1 issued hereunder and designated as a Regular
      Interest in REMIC 1. REMIC 1 Regular Interest LTI-S2 shall accrue interest
      at
      the related Uncertificated REMIC 1 Pass-Through Rate in effect from time to
      time, and shall not be entitled to distributions of principal. 

     

    REMIC
      1
      Regular Interest LTI-AR: One of the separate non-certificated beneficial
      ownership interests in REMIC 1 issued hereunder and designated as a Regular
      Interest in REMIC 1. REMIC 1 Regular Interest LTI-AR shall accrue interest
      at
      the related Uncertificated REMIC 1 Pass-Through Rate in effect from time to
      time, and shall be entitled to distributions of principal, subject to the terms
      and conditions hereof, in an aggregate amount equal to its initial
      Uncertificated Principal Balance as set forth in the Preliminary Statement
      hereto. 

     

    REMIC
      1
      Regular Interest LTI-P: One of the separate non-certificated beneficial
      ownership interests in REMIC 1 issued hereunder and designated as a Regular
      Interest in REMIC 1. REMIC 1 Regular Interest LTI-P shall accrue interest at
      the
      related Uncertificated REMIC 1 Pass-Through Rate in effect from time to time,
      and shall be entitled to distributions of principal, subject to the terms and
      conditions hereof, in an aggregate amount equal to its initial Uncertificated
      Principal Balance as set forth in the Preliminary Statement hereto.

     

    REMIC
      1
      Regular Interests: REMIC 1 Regular Interest LTI-1, LTI-2, LTI-2PF, LTI-AR,
      LTI-P, LTI-S1 and LTI-S2. 

     

    REMIC
      2:
      The segregated pool of assets consisting of all of the REMIC 1 Regular Interests
      conveyed in the trust to the Trustee, for the benefit of the Holders of the
      REMIC 2 Regular Interests and the Class A-R Certificates (in respect of the
      Class R-2 Interest), pursuant to Article II hereunder, and all amounts deposited
      therein, with respect to which a separate REMIC election is to be made.

     

    REMIC
      2
      Regular Interest: Any of the separate non-certificated beneficial ownership
      interests in REMIC 2 issued hereunder and designated as a “regular interest” in
      REMIC 2. Each REMIC 2 Regular Interest shall accrue interest at the related
      Uncertificated REMIC 2 Pass-Through Rate in effect from time to time, and shall
      be entitled to distributions of principal (other than REMIC 2 Regular Interest
      MTI-S), subject to the terms and conditions hereof, in an aggregate amount
      equal
      to its initial Uncertificated Principal Balance as set forth in the Preliminary
      Statement hereto. The designations for the respective REMIC 2 Regular Interests
      are set forth in the Preliminary Statement hereto. 

     

    REMIC
      2
      Regular Interest MTI-1-A: One of the separate non-certificated beneficial
      ownership interests in REMIC 2 issued hereunder and designated as a Regular
      Interest in REMIC 2. REMIC 2 Regular Interest MTI-1-A shall accrue interest
      at
      the related Uncertificated REMIC 2 Pass-Through Rate in effect from time to
      time, and shall be entitled to distributions of principal, subject to the terms
      and conditions hereof, in an aggregate amount equal to its initial
      Uncertificated Principal Balance as set forth in the Preliminary Statement
      hereto. 

     

    REMIC
      2
      Regular Interest MTI-1-B: One of the separate non-certificated beneficial
      ownership interests in REMIC 2 issued hereunder and designated as a Regular
      Interest in REMIC 2. REMIC 2 Regular Interest MTI-1-B shall accrue interest
      at
      the related Uncertificated REMIC 2 Pass-Through Rate in effect from time to
      time, and shall be entitled to distributions of principal, subject to the terms
      and conditions hereof, in an aggregate amount equal to its initial
      Uncertificated Principal Balance as set forth in the Preliminary Statement
      hereto. 

     

    REMIC
      2
      Regular Interest MTI-2-A: One of the separate non-certificated beneficial
      ownership interests in REMIC 2 issued hereunder and designated as a Regular
      Interest in REMIC 2. REMIC 2 Regular Interest MTI-2-A shall accrue interest
      at
      the related Uncertificated REMIC 2 Pass-Through Rate in effect from time to
      time, and shall be entitled to distributions of principal, subject to the terms
      and conditions hereof, in an aggregate amount equal to its initial
      Uncertificated Principal Balance as set forth in the Preliminary Statement
      hereto. 

     

    REMIC
      2
      Regular Interest MTI-2-B: One of the separate non-certificated beneficial
      ownership interests in REMIC 2 issued hereunder and designated as a Regular
      Interest in REMIC 2. REMIC 2 Regular Interest MTI-2-B shall accrue interest
      at
      the related Uncertificated REMIC 2 Pass-Through Rate in effect from time to
      time, and shall be entitled to distributions of principal, subject to the terms
      and conditions hereof, in an aggregate amount equal to its initial
      Uncertificated Principal Balance as set forth in the Preliminary Statement
      hereto. 

     

    REMIC
      2
      Regular Interest MTI-S: One of the separate non-certificated beneficial
      ownership interests in REMIC 2 issued hereunder and designated as a Regular
      Interest in REMIC 2. REMIC 2 Regular Interest MTI-S shall accrue interest at
      the
      related Uncertificated REMIC 2 Pass-Through Rate in effect from time to time,
      and shall not be entitled to distributions of principal as set forth in the
      Preliminary Statement hereto. 

     

    REMIC
      2
      Regular Interest MTI-AR: One of the separate non-certificated beneficial
      ownership interests in REMIC 2 issued hereunder and designated as a Regular
      Interest in REMIC 2. REMIC 2 Regular Interest MTI-AR shall accrue interest
      at
      the related Uncertificated REMIC 2 Pass-Through Rate in effect from time to
      time, and shall be entitled to distributions of principal, subject to the terms
      and conditions hereof, in an aggregate amount equal to its initial
      Uncertificated Principal Balance as set forth in the Preliminary Statement
      hereto. 

     

    REMIC
      2
      Regular Interest MTI-P: One of the separate non-certificated beneficial
      ownership interests in REMIC 2 issued hereunder and designated as a Regular
      Interest in REMIC 2. REMIC 2 Regular Interest MTI-P shall accrue interest at
      the
      related Uncertificated REMIC 2 Pass-Through Rate in effect from time to time,
      and shall be entitled to distributions of principal, subject to the terms and
      conditions hereof, in an aggregate amount equal to its initial Uncertificated
      Principal Balance as set forth in the Preliminary Statement hereto.

     

    REMIC
      2
      Regular Interest MTI-1X1: One of the separate non-certificated beneficial
      ownership interests in REMIC 2 issued hereunder and designated as a Regular
      Interest in REMIC 2. REMIC 2 Regular Interest MTI-1X1 shall accrue interest
      at
      the related Uncertificated REMIC 2 Pass-Through Rate in effect from time to
      time, and shall be entitled to distributions of principal, subject to the terms
      and conditions hereof, in an aggregate amount equal to its initial
      Uncertificated Principal Balance as set forth in the Preliminary Statement
      hereto. 

     

    REMIC
      2
      Regular Interest MTI-2X1: One of the separate non-certificated beneficial
      ownership interests in REMIC 2 issued hereunder and designated as a Regular
      Interest in REMIC 2. REMIC 2 Regular Interest MTI-2X1 shall accrue interest
      at
      the related Uncertificated REMIC 2 Pass-Through Rate in effect from time to
      time, and shall be entitled to distributions of principal, subject to the terms
      and conditions hereof, in an aggregate amount equal to its initial
      Uncertificated Principal Balance as set forth in the Preliminary Statement
      hereto. 

     

    REMIC
      3
      Regular Interest: One of the separate non-certificated beneficial ownership
      interests in REMIC 3 issued hereunder and designated as a Regular Interest
      in
      REMIC 3 as set forth in the Preliminary Statement. Each REMIC 3 Regular Interest
      shall accrue interest at the related Uncertificated REMIC 3 Pass-Through Rate
      in
      effect from time to time, and shall be entitled to distributions of principal,
      subject to the terms and conditions hereof, in an aggregate amount equal to
      its
      initial Uncertificated Principal Balance, if any, as set forth in the
      Preliminary Statement hereto. 

     

    REMIC
      3
      Interest Loss Allocation Amount: With respect to any Distribution Date, an
      amount equal to (a) the product of (i) the aggregate Stated Principal Balance
      of
      the Mortgage Loans and related REO Properties then outstanding and (ii) the
      Uncertificated REMIC 3 Pass-Through Rate for REMIC 3 Regular Interest MTII-AA
      minus the Marker Rate, divided by (b) 12. 

     

    REMIC
      3
      Marker Allocation Percentage: 50% of any amount payable or loss attributable
      from the Mortgage Loans, which shall be allocated to REMIC
      3
      Regular Interests MTII-1A-1, MTII-2A-1, MTII-2A-2, MTII-2A-3, MTII-M-1,
      MTII-M-2, MTII-M-3, MTII-M-4, MTII-M-5, MTII-M-6, MTII-M-7, MTII-M-8, MTII-M-9,
      MTII-R and MTII-P. 

     

    REMIC
      3
      Overcollateralization Amount: With respect to any date of determination, (i)
      0.50% of the aggregate Uncertificated Principal Balances of the REMIC 3 Regular
      Interests minus (ii) the aggregate Uncertificated Principal Balances of REMIC
      3
      Regular Interests MTII-1A-1, MTII-2A-1, MTII-2A-2, MTII-2A-3, MTII-M-1,
      MTII-M-2, MTII-M-3, MTII-M-4, MTII-M-5, MTII-M-6, MTII-M-7, MTII-M-8, MTII-M-9,
      MTII-R and MTII-P, in each case as of such date of determination. 

     

    REMIC
      3
      Principal Loss Allocation Amount: With respect to any Distribution Date, an
      amount equal to the product of (i) 50% of the aggregate Stated Principal Balance
      of the Mortgage Loans and related REO Properties then outstanding and (ii)
      1
      minus a fraction, the numerator of which is two times the aggregate
      Uncertificated Principal Balance of REMIC 3 Regular Interests MTII-1A-1,
      MTII-2A-1, MTII-2A-2, MTII-2A-3, MTII-M-1, MTII-M-2, MTII-M-3, MTII-M-4,
      MTII-M-5, MTII-M-6, MTII-M-7, MTII-M-8, MTII-M-9 and MTII-ZZ. 

     

    REMIC
      3
      Regular Interest MTII-AA: One of the separate non-certificated beneficial
      ownership interests in REMIC 3 issued hereunder and designated as a Regular
      Interest in REMIC 3. REMIC 3 Regular Interest MTII-AA shall accrue interest
      at
      the related Uncertificated REMIC 3 Pass-Through Rate in effect from time to
      time, and shall be entitled to distributions of principal, subject to the terms
      and conditions hereof, in an aggregate amount equal to its initial
      Uncertificated Principal Balance as set forth in the Preliminary Statement
      hereto. 

     

    REMIC
      3
      Regular Interest MTII-1A-1: One of the separate non-certificated beneficial
      ownership interests in REMIC 3 issued hereunder and designated as a Regular
      Interest in REMIC 3. REMIC 3 Regular Interest MTII-1A-1 shall accrue interest
      at
      the related Uncertificated REMIC 3 Pass-Through Rate in effect from time to
      time, and shall be entitled to distributions of principal, subject to the terms
      and conditions hereof, in an aggregate amount equal to its initial
      Uncertificated Principal Balance as set forth in the Preliminary Statement
      hereto. 

     

    REMIC
      3
      Regular Interest MTII-2A-1: One of the separate non-certificated beneficial
      ownership interests in REMIC 3 issued hereunder and designated as a Regular
      Interest in REMIC 3. REMIC 3 Regular Interest MTII-2A-1 shall accrue interest
      at
      the related Uncertificated REMIC 3 Pass-Through Rate in effect from time to
      time, and shall be entitled to distributions of principal, subject to the terms
      and conditions hereof, in an aggregate amount equal to its initial
      Uncertificated Principal Balance as set forth in the Preliminary Statement
      hereto. 

     

    REMIC
      3
      Regular Interest MTII-2A-2: One of the separate non-certificated beneficial
      ownership interests in REMIC 3 issued hereunder and designated as a Regular
      Interest in REMIC 3. REMIC 3 Regular Interest MTII-2A-2 shall accrue interest
      at
      the related Uncertificated REMIC 3 Pass-Through Rate in effect from time to
      time, and shall be entitled to distributions of principal, subject to the terms
      and conditions hereof, in an aggregate amount equal to its initial
      Uncertificated Principal Balance as set forth in the Preliminary Statement
      hereto. 

     

    REMIC
      3
      Regular Interest MTII-2A-3: One of the separate non-certificated beneficial
      ownership interests in REMIC 3 issued hereunder and designated as a Regular
      Interest in REMIC 3. REMIC 3 Regular Interest MTII-A-3 shall accrue interest
      at
      the related Uncertificated REMIC 3 Pass-Through Rate in effect from time to
      time, and shall be entitled to distributions of principal, subject to the terms
      and conditions hereof, in an aggregate amount equal to its initial
      Uncertificated Principal Balance as set forth in the Preliminary Statement
      hereto. 

     

    REMIC
      3
      Regular Interest MTII-IO: One of the separate non-certificated beneficial
      ownership interests in REMIC 3 issued hereunder and designated as a Regular
      Interest in REMIC 3. REMIC 3 Regular Interest MTII-IO shall accrue interest
      on
      its Uncertificated Notional Amount at its related Uncertificated REMIC 3
      Pass-Through Rate in effect from time to time. REMIC 3 Regular Interest MTII
      -IO
      shall not have an Uncertificated Principal Balance and shall not be entitled
      to
      distributions of principal. 

     

    REMIC
      3
      Regular Interest MTII-M-1: One of the separate non-certificated beneficial
      ownership interests in REMIC 3 issued hereunder and designated as a Regular
      Interest in REMIC 3. REMIC 3 Regular Interest MTII-M-1 shall accrue interest
      at
      the related Uncertificated REMIC 3 Pass-Through Rate in effect from time to
      time, and shall be entitled to distributions of principal, subject to the terms
      and conditions hereof, in an aggregate amount equal to its initial
      Uncertificated Principal Balance as set forth in the Preliminary Statement
      hereto. 

     

    REMIC
      3
      Regular Interest MTII-M-2: One of the separate non-certificated beneficial
      ownership interests in REMIC 3 issued hereunder and designated as a Regular
      Interest in REMIC 3. REMIC 3 Regular Interest MTII-M-2 shall accrue interest
      at
      the related Uncertificated REMIC 3 Pass-Through Rate in effect from time to
      time, and shall be entitled to distributions of principal, subject to the terms
      and conditions hereof, in an aggregate amount equal to its initial
      Uncertificated Principal Balance as set forth in the Preliminary Statement
      hereto. 

     

    REMIC
      3
      Regular Interest MTII-M-3: One of the separate non-certificated beneficial
      ownership interests in REMIC 3 issued hereunder and designated as a Regular
      Interest in REMIC 3. REMIC 3 Regular Interest MTII-M-3 shall accrue interest
      at
      the related Uncertificated REMIC 3 Pass-Through Rate in effect from time to
      time, and shall be entitled to distributions of principal, subject to the terms
      and conditions hereof, in an aggregate amount equal to its initial
      Uncertificated Principal Balance as set forth in the Preliminary Statement
      hereto. 

     

    REMIC
      3
      Regular Interest MTII-M-4: One of the separate non-certificated beneficial
      ownership interests in REMIC 3 issued hereunder and designated as a Regular
      Interest in REMIC 3. REMIC 3 Regular Interest MTII-M-4 shall accrue interest
      at
      the related Uncertificated REMIC 3 Pass-Through Rate in effect from time to
      time, and shall be entitled to distributions of principal, subject to the terms
      and conditions hereof, in an aggregate amount equal to its initial
      Uncertificated Principal Balance as set forth in the Preliminary Statement
      hereto. 

     

    REMIC
      3
      Regular Interest MTII-M-5: One of the separate non-certificated beneficial
      ownership interests in REMIC 3 issued hereunder and designated as a Regular
      Interest in REMIC 3. REMIC 3 Regular Interest MTII-M-5 shall accrue interest
      at
      the related Uncertificated REMIC 3 Pass-Through Rate in effect from time to
      time, and shall be entitled to distributions of principal, subject to the terms
      and conditions hereof, in an aggregate amount equal to its initial
      Uncertificated Principal Balance as set forth in the Preliminary Statement
      hereto. 

     

    REMIC
      3
      Regular Interest MTII-M-6: One of the separate non-certificated beneficial
      ownership interests in REMIC 3 issued hereunder and designated as a Regular
      Interest in REMIC 3. REMIC 3 Regular Interest MTII-M-6 shall accrue interest
      at
      the related Uncertificated REMIC 3 Pass-Through Rate in effect from time to
      time, and shall be entitled to distributions of principal, subject to the terms
      and conditions hereof, in an aggregate amount equal to its initial
      Uncertificated Principal Balance as set forth in the Preliminary Statement
      hereto. 

     

    REMIC
      3
      Regular Interest MTII-M-7: One of the separate non-certificated beneficial
      ownership interests in REMIC 3 issued hereunder and designated as a Regular
      Interest in REMIC 3. REMIC 3 Regular Interest MTII-M-7 shall accrue interest
      at
      the related Uncertificated REMIC 3 Pass-Through Rate in effect from time to
      time, and shall be entitled to distributions of principal, subject to the terms
      and conditions hereof, in an aggregate amount equal to its initial
      Uncertificated Principal Balance as set forth in the Preliminary Statement
      hereto. 

     

    REMIC
      3
      Regular Interest MTII-M-8: One of the separate non-certificated beneficial
      ownership interests in REMIC 3 issued hereunder and designated as a Regular
      Interest in REMIC 3. REMIC 3 Regular Interest MTII-M-8 shall accrue interest
      at
      the related Uncertificated REMIC 3 Pass-Through Rate in effect from time to
      time, and shall be entitled to distributions of principal, subject to the terms
      and conditions hereof, in an aggregate amount equal to its initial
      Uncertificated Principal Balance as set forth in the Preliminary Statement
      hereto. 

     

    REMIC
      3
      Regular Interest MTII-M-9: One of the separate non-certificated beneficial
      ownership interests in REMIC 3 issued hereunder and designated as a Regular
      Interest in REMIC 3. REMIC 3 Regular Interest MTII-M-9 shall accrue interest
      at
      the related Uncertificated REMIC 2 Pass-Through Rate in effect from time to
      time, and shall be entitled to distributions of principal, subject to the terms
      and conditions hereof, in an aggregate amount equal to its initial
      Uncertificated Principal Balance as set forth in the Preliminary Statement
      hereto. 

     

    REMIC
      3
      Regular Interest MTII-P: One of the separate non-certificated beneficial
      ownership interests in REMIC 3 issued hereunder and designated as a Regular
      Interest in REMIC 3. REMIC 3 Regular Interest MTII-P shall accrue interest
      at
      the related Uncertificated REMIC 3 Pass-Through Rate in effect from time to
      time, and shall be entitled to distributions of principal, subject to the terms
      and conditions hereof, in an aggregate amount equal to its initial
      Uncertificated Principal Balance as set forth in the Preliminary Statement
      hereto. 

     

    REMIC
      3
      Regular Interest MTII-R: One of the separate non-certificated beneficial
      ownership interests in REMIC 3 issued hereunder and designated as a Regular
      Interest in REMIC 3. REMIC 3 Regular Interest MTII-R shall accrue interest
      at
      the related Uncertificated REMIC 3 Pass-Through Rate in effect from time to
      time, and shall be entitled to distributions of principal, subject to the terms
      and conditions hereof, in an aggregate amount equal to its initial
      Uncertificated Principal Balance as set forth in the Preliminary Statement
      hereto. 

     

    REMIC
      3
      Regular Interest MTII-S: One of the separate non-certificated beneficial
      ownership interests in REMIC 3 issued hereunder and designated as a Regular
      Interest in REMIC 3. REMIC 3 Regular Interest MTII-S shall accrue interest
      as
      set forth in the Preliminary Statement hereto. REMIC 2 Regular Interest MTII-S
      shall not be entitled to distributions of principal. 

     

    REMIC
      3
      Regular Interest MTII-XX: One of the separate non-certificated beneficial
      ownership interests in REMIC 3 issued hereunder and designated as a Regular
      Interest in REMIC 3. REMIC 3 Regular Interest MTII-XX shall accrue interest
      at
      the related Uncertificated REMIC 3 Pass-Through Rate in effect from time to
      time, and shall be entitled to distributions of principal, subject to the terms
      and conditions hereof, in an aggregate amount equal to its initial
      Uncertificated Principal Balance as set forth in the Preliminary Statement
      hereto. 

     

    REMIC
      3
      Regular Interest MTII-ZZ: One of the separate non-certificated beneficial
      ownership interests in REMIC 3 issued hereunder and designated as a Regular
      Interest in REMIC 3. REMIC 3 Regular Interest MTII-ZZ shall accrue interest
      at
      the related Uncertificated REMIC 3 Pass-Through Rate in effect from time to
      time, and shall be entitled to distributions of principal, subject to the terms
      and conditions hereof, in an aggregate amount equal to its initial
      Uncertificated Principal Balance as set forth in the Preliminary Statement
      hereto. 

     

    REMIC
      3
      Regular Interest MTII-1SUB: One of the separate non-certificated beneficial
      ownership interests in REMIC 3 issued hereunder and designated as a Regular
      Interest in REMIC 3. REMIC 3 Regular Interest MTII-1SUB shall accrue interest
      at
      the related Uncertificated REMIC 3 Pass-Through Rate in effect from time to
      time, and shall be entitled to distributions of principal, subject to the terms
      and conditions hereof, in an aggregate amount equal to its initial
      Uncertificated Principal Balance as set forth in the Preliminary Statement
      hereto. 

     

    REMIC
      3
      Regular Interest MTII-1GRP: One of the separate non-certificated beneficial
      ownership interests in REMIC 3 issued hereunder and designated as a Regular
      Interest in REMIC 3. REMIC 3 Regular Interest MTII-1GRP shall accrue interest
      at
      the related Uncertificated REMIC 3 Pass-Through Rate in effect from time to
      time, and shall be entitled to distributions of principal, subject to the terms
      and conditions hereof, in an aggregate amount equal to its initial
      Uncertificated Principal Balance as set forth in the Preliminary Statement
      hereto. 

     

    REMIC
      3
      Regular Interest MTII-2SUB: One of the separate non-certificated beneficial
      ownership interests in REMIC 3 issued hereunder and designated as a Regular
      Interest in REMIC 3. REMIC 3 Regular Interest MTII-2SUB shall accrue interest
      at
      the related Uncertificated REMIC 3 Pass-Through Rate in effect from time to
      time, and shall be entitled to distributions of principal, subject to the terms
      and conditions hereof, in an aggregate amount equal to its initial
      Uncertificated Principal Balance as set forth in the Preliminary Statement
      hereto. 

     

    REMIC
      3
      Regular Interest MTII-2GRP: One of the separate non-certificated beneficial
      ownership interests in REMIC 3 issued hereunder and designated as a Regular
      Interest in REMIC 3. REMIC 3 Regular Interest MTII-2GRP shall accrue interest
      at
      the related Uncertificated REMIC 3 Pass-Through Rate in effect from time to
      time, and shall be entitled to distributions of principal, subject to the terms
      and conditions hereof, in an aggregate amount equal to its initial
      Uncertificated Principal Balance as set forth in the Preliminary Statement
      hereto. 

     

    REMIC
      3
      Regular Interest MTII-ZZ Maximum Interest Deferral Amount: With respect to
      any
      Distribution Date, the excess of (i) REMIC 3 Uncertificated Accrued Interest
      calculated with the Uncertificated Pass-Through Rate for REMIC 3 Regular
      Interest MTII-ZZ and an Uncertificated Principal Balance equal to the excess
      of
      (x) the Uncertificated Principal Balance of REMIC 3 Regular Interest MTII-ZZ
      over (y) the REMIC 3 Overcollateralization Amount, in each case for such
      Distribution Date, over (ii) the sum of REMIC 3 Uncertificated Accrued Interest
      on REMIC 3 Regular Interests MTII-1A-1, MTII-2A-1, MTII-2A-2, MTII-2A-3,
      MTII-M-1, MTII-M-2, MTII-M-3, MTII-M-4, MTII-M-5, MTII-M-6, MTII-M-7, MTII-M-8
      and MTII-M-9, with the rate on each such REMIC 3 Regular Interest subject to
      a
      cap, for the purpose of this calculation, equal to the Pass-Through Rate for
      the
      Corresponding Certificate; provided, however, that for this purpose, the
      calculation of the Uncertificated REMIC 3 Pass-Through Rate and the related
      cap
      with respect to each such REMIC 3 Regular Interest shall be multiplied by a
      fraction, the numerator of which is the actual number of days in the Interest
      Accrual Period and the denominator of which is thirty (30). 

     

    REMIC
      3
      Regular Interests: REMIC 3 Regular Interest MTII-AA, REMIC 3 Regular Interest
      MTII-1A-1, REMIC 3 Regular Interest MTII-2A-1, REMIC 3 Regular Interest
      MTII-2A-2, REMIC 3 Regular Interest MTII-2A-3, REMIC 3 Regular Interest
      MTII-M-1, REMIC 3 Regular Interest MTII-M-2, REMIC 3 Regular Interest MTII-M-3,
      REMIC 3 Regular Interest MTII-M-4, REMIC 3 Regular Interest MTII-M-5, REMIC
      3
      Regular Interest MTII-M-6, REMIC 3 Regular Interest MTII-M-7, REMIC 3 Regular
      Interest MTII-M-8, REMIC 3 Regular Interest MTII-M-9, REMIC 3 Regular Interest
      MTII-S, REMIC 3 Regular Interest MTII-ZZ, REMIC 3 Regular Interest MTII-P,
      REMIC
      3 Regular Interest MTII-IO, REMIC 3 Regular Interest MTII-R, REMIC 3 Regular
      Interest MTII-1SUB, REMIC 3 Regular Interest MTII-1GRP, REMIC 3 Regular Interest
      MTII-2SUB, REMIC 3 Regular Interest MTII-2GRP and REMIC 3 Regular Interest
      MTII-XX. 

     

    REMIC
      3
Sub
      WAC
      Allocation Percentage: 50% of any amount payable or loss attributable from
      the
      Mortgage Loans, which shall be allocated to REMIC 3 Regular Interest MTII-1SUB,
      REMIC 3 Regular Interest MTII-1GRP, REMIC 3 Regular Interest MTII-2SUB, REMIC
      3
      Regular Interest MTII-2GRP and REMIC 3 Regular Interest MTII-XX. 

     

    REMIC
      3
      Subordinated Balance Ratio: The ratio among the Uncertificated Principal
      Balances of each REMIC 3 Regular Interest ending with the designation “SUB”,
      equal to the ratio between, with respect to each such REMIC 3 Regular Interest,
      the excess of (x) the aggregate Stated Principal Balance of the Group 1 Mortgage
      Loans and the Group 2 Mortgage Loans, as applicable, over (y) the current Class
      Principal Balance of the related Senior Certificates. 

     

    REMIC
      3
      Targeted Overcollateralization Amount: 0.50% of the Targeted
      Overcollateralization Amount. 

     

    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 regulations
      promulgated thereunder, as the foregoing may be in effect from time to time.
      

     

    REMIC
      Regular Interests: The REMIC 1 Regular Interests, REMIC 2 Regular Interests
      and
      REMIC 3 Regular Interests. 

     

    REO
      Property: A Mortgaged Property acquired by the Trust Fund through foreclosure
      or
      deed-in-lieu of foreclosure in connection with a defaulted Mortgage Loan and,
      for the avoidance of doubt, following the satisfaction of any related First
      Mortgage Loan.

     

    Reportable
      Event: As defined in Section 8.12(a)(ii).

     

    Repurchase
      Price: With respect to any Mortgage Loan required to be purchased by the Seller
      pursuant to this Agreement or purchased by a Special Servicer pursuant to this
      Agreement, an amount equal to the sum of (i) 100% of the unpaid principal
      balance of the Mortgage Loan on the date of such purchase, (ii) accrued unpaid
      interest thereon at the applicable Mortgage Rate from the date through which
      interest was last paid by the Mortgagor to the Due Date in the month in which
      the Repurchase Price is to be distributed to Certificateholders, (iii) any
      unreimbursed Servicing Advances (or, in the case of any Mortgage Loan purchased
      by any Special Servicer, any unreimbursed Servicing Advances payable to any
      other Servicer) and (iv) any costs and damages actually incurred and paid by
      or
      on behalf of the Trust (including, but not limited to late fees) in connection
      with any breach of the representation and warranty set forth in clause (xx)
      of
      Schedule IV hereto as the result of a violation of a predatory or abusive
      lending law applicable to such Mortgage Loan.

     

    Request
      for Release: The Request for Release submitted by a Servicer to the Trustee,
      substantially in the form of Exhibit M.

     

    Required
      Insurance Policy: With respect to any Mortgage Loan, any insurance policy that
      is required to be maintained from time to time under this
      Agreement.

     

    Required
      Reserve Fund Deposit: With respect to any Distribution
      Date,
      the excess, if any, of (i) $1,000 over (ii) the amount of funds on deposit
      in
      the Basis Risk Reserve Fund prior to deposits thereto on such Distribution
      Date.

     

    Residual
      Certificates: As specified in the Preliminary Statement.

     

    Responsible
      Officer: When used with respect to the Trustee or the Servicer, any Vice
      President, any Assistant Vice President, any Assistant Secretary, any Trust
      Officer or any other officer of the Trustee or the Servicer, as applicable,
      customarily performing functions similar to those performed by any of the above
      designated officers and also to whom, with respect to a particular matter,
      such
      matter is referred because of such officer’s knowledge of and familiarity with
      the particular subject and who shall have direct responsibility for the
      administration of this Agreement.

     

    Rolling
      Three Month Delinquency Rate: For any Distribution Date will be the fraction,
      expressed as a percentage, equal to the average of the Delinquency Rates for
      each of the three (or one and two, in the case of the first and second
      Distribution Dates, respectively) immediately preceding months.

     

    SAIF:
      The
      Savings Association Insurance Fund, or any successor thereto.

     

    S&P:
      Standard & Poor’s, a division of The McGraw-Hill Companies, Inc. For
      purposes of Section 10.05(b) the address for notices to S&P shall be
      Standard & Poor’s, 55 Water Street, New York, New York 10004, Attention:
      Mortgage Surveillance Monitoring, or such other address as S&P may hereafter
      furnish to the Depositor, the Servicer and the Trustee.

     

    Scheduled
      Payment: The scheduled monthly payment on a Mortgage Loan due on any Due Date
      allocable to principal and/or interest on such Mortgage Loan pursuant to the
      terms of the related Mortgage Note, as reduced by any Relief Act
      Reductions.

     

    Second
      Mortgage Loan: A Mortgage Loan that is secured by a second lien on the Mortgaged
      Property securing the related Mortgage Note.

     

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

     

    Seller:
      DLJ Mortgage Capital, Inc.

     

    Senior
      Certificates: As specified in the Preliminary Statement.

     

    Senior
      Enhancement Percentage: For any Distribution Date, the fraction, expressed
      as a
      percentage, the numerator of which is the sum of the aggregate Class Principal
      Balance of the Class M-1, Class M-2, Class M-3, Class M-4, Class
      M-5, Class
      M-6, Class M-7, Class M-8 and Class M-9 Certificates and the
      Overcollateralization Amount (which, for purposes of this definition only,
      shall
      not be less than zero), in each case after giving effect to payments on such
      Distribution Date (assuming no Trigger Event is in effect), and the denominator
      of which is the Aggregate Collateral Balance for such Distribution
      Date.

     

    Senior
      Principal Payment Amount: For any Distribution Date on or after the Stepdown
      Date and as long as a Trigger Event is not in effect with respect to such
      Distribution Date, will be the lesser of (1) the aggregate Class Principal
      Balance of the Class A Certificates and Class P Certificates immediately
      preceding such Distribution Date and (2) the amount, if any, by which (x) the
      aggregate Class Principal Balance of the Class 1A-1, Class 2A-1, Class 2A-2,
      Class 2A-3, Class P and Class A-R Certificates immediately prior to such
      Distribution Date exceeds (y) the lesser of (A) the product of (i) 43.49% and
      (ii) the Aggregate Collateral Balance for such Distribution Date and (B) the
      amount, if any, by which (i) the Aggregate Collateral Balance for such
      Distribution Date exceeds (ii) 0.50% of the Aggregate Collateral Balance as
      of
      the Cut-off Date.

     

    Servicer:
      SPS or its successors in interest, or any successor servicer appointed as
      provided herein.

     

    Servicer
      Employee: As defined in Section 3.18.

     

    Servicer
      Cash Remittance Date: With respect to each Distribution Date, the second
      Business Day immediately preceding such Distribution Date.

     

    Servicer
      Data Remittance Date: With respect to each Distribution Date, the second
      Business Day immediately following the 15th day of the month of such
      Distribution Date.

     

    Servicing
      Advance: All customary, reasonable and necessary “out of pocket” costs and
      expenses incurred in the performance by the Servicer of its servicing
      obligations, including, but not limited to, the cost (including reasonable
      attorneys’ fees and disbursements) of (i) the inspection, preservation,
      restoration and protection of a Mortgaged Property, (ii) any expenses
      reimbursable to such Servicer pursuant to Section 3.11 and any enforcement
      or
      judicial proceedings, including foreclosures, and 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 (including default management and similar services, appraisal
      services and real estate broker services); (iv) any expenses incurred by such
      Servicer in connection with obtaining an environmental inspection or review
      pursuant to Section 3.11(a)(v) and (vi); (v) compliance with the obligations
      under Section 3.01, 3.09 and 3.11(b); (vi) the cost of obtaining any broker’s
      price opinion in accordance with Section 3.11 hereof; (vii) the costs of
      obtaining an Opinion of Counsel pursuant to Section 3.11(c) hereof; (viii)
      expenses incurred in connection with any instrument of satisfaction or deed
      of
      reconveyance as described in Section 3.12 hereof; (ix) expenses incurred in
      connection with the recordation of Assignments of Mortgage or substitutions
      of
      trustees and (x) obtaining any legal documentation required to be included
      in a
      Mortgage File and/or correcting any outstanding title issues (ie. any lien
      or
      encumbrance on the related Mortgaged Property that prevents the effective
      enforcement of the intended lien position) reasonably necessary for such
      Servicer to perform its obligations under this Agreement.

     

    Servicing
      Criteria: The criteria set forth in paragraph (d) of Item 1122 of Regulation
      AB,
      as such may be amended from time to time.

     

    Servicing
      Fee: As to each Mortgage Loan and any Distribution Date, an amount equal to
      one
      month’s interest at the Servicing Fee Rate on the Stated Principal Balance of
      such Mortgage Loan as of the Due Date in the month of such Distribution Date
      (prior to giving effect to any Scheduled Payments due on such Mortgage Loan
      on
      such Due Date), subject to reduction as provided in Section 3.05(b)(vi).

     

    Servicing
      Fee Rate: With respect to each Mortgage Loan, the “Servicing Fee Rate” as
      defined in the SPS Letter Agreement, which rate may increase up to 0.50% per
      annum. In the event of the appointment of a successor servicer pursuant to
      Section 6.04 hereof, the Servicing Fee Rate as to each Mortgage Loan may
      increase to up to 0.50% per annum.

     

    Servicing
      Officer: With respect to the Servicer, any representative of the Servicer
      involved in, or responsible for, the administration and servicing of the
      Mortgage Loans whose name and specimen signature appear on a list of servicing
      officers furnished to the Trustee by the Servicer on the Closing Date pursuant
      to this Agreement, as such list may from time to time be amended.

     

    Significance
      Percentage: With respect to each Distribution Date and the Swap Agreement,
      the
      amount calculated by the Trustee in accordance with DLJMC’s internal risk
      management process in respect of similar instruments, such calculation to be
      performed as agreed by the Trustee and the Depositor.

    

    Significant
      Net Recoveries: With respect to a defaulted Mortgage Loan, a determination
      by
      the Servicer that either (A) the potential Net Recoveries are anticipated to
      be
      greater than or equal to the sum of (i) the total indebtedness of the senior
      lien on the related Mortgaged Property and (ii) $10,000 (after anticipated
      expenses and attorneys’ fees) or (B) the related Mortgagor has shown a
      willingness and ability to pay over the previous six months.

    

    Special
      Serviced Mortgage Loan: The Mortgage Loans for which a Special Servicer acts
      as
      servicer pursuant to Section 3.22.

     

    Special
      Servicer: Any special servicer appointed by the Class X-1 Certificateholder
      pursuant to Section 3.22.

     

    SPS:
      Select Portfolio Servicing, Inc., a Utah corporation, and its successors and
      permitted assigns.

     

    SPS
      Letter Agreement: The securitization servicing side letter agreement, dated
      as
      of December 1, 2006, between the Seller and SPS, as amended, supplemented or
      superseded from tiem to time.

     

    Special
      Servicing: With regard to any Mortgage Loans that become Charged Off Loans,
      the
      servicing of such Charged Off Loans using specialized collection procedures
      (including foreclosure, if appropriate) to maximize recoveries.

     

    Startup
      Day: December 29, 2006.

     

    Stated
      Principal Balance: As to any Mortgage Loan and Due Date, the unpaid principal
      balance of such Mortgage Loan as of such Due Date as specified in the
      amortization schedule at the time relating thereto (before any adjustment to
      such amortization schedule by reason of any moratorium or similar waiver or
      grace period) after giving effect to any previous Curtailments and Liquidation
      Proceeds allocable to principal (other than with respect to any Liquidated
      Mortgage Loan) and to the payment of principal due on such Due Date and
      irrespective of any delinquency in payment by the related Mortgagor, increased
      by the portion of any Capitalization Reimbursement Amount allocable to such
      Mortgage Loan; provided, however, for purposes of calculating the Servicing
      Fee
      and the Trustee Fee, the Stated Principal Balance of any REO will be the unpaid
      principal balance immediately prior to foreclosure.

     

    Stepdown
      Date: The date occurring on the earlier of (1) the first Distibution Date
      following the Distribution Date on which the aggregate Class Principal Balance
      of the Class 1A-1, Class 2A-1, Class 2A-2, Class 2A-3 and Class A-R Certificates
      is reduced to zero and (2) the later of (x) the Distribution Date in January
      2010 and (y) the first Distribution Date on which the Senior Enhancement
      Percentage (calculated for this purpose after giving effect to payments on
      the
      Certificates on such Distribution Date and for purposes of calculating the
      Overcollateralization Amount only, after giving effect to the principal payments
      from the Principal Remittance Amount and any Excess Cashflow Loss Payment)
      is
      greater than or equal to approximately 56.51%.

     

    Subordinate
      Certificates: As specified in the Preliminary Statement.

     

    Subordinate
      Group 1 Balance: For any Distribution Date will be the Aggregate Loan Group
      Collateral Balance for the Mortgage Loans in Loan Group 1 less the Class
      Principal Balance of the Class 1A-1 Certificates. 

     

    Subordinate
      Group 2 Balance: For any Distribution Date will be the Aggregate Loan Group
      Collateral Balance for the Mortgage Loans in Loan Group 2 less the aggregate
      Class Principal Balance of the Class 2A-1, Class 2A-2, Class 2A-3, Class A-R
      and
      Class P Certificates. 

     

    Subordinate
      Net Funds Cap: For any Distribution Date and the Class M Certificates, a per
      annum rate equal to the weighted average of (i) the Group 1 Senior Net Funds
      Cap
      and (ii) the Group 2 Senior Net Funds Cap for such Distribution Date, weighted
      on the basis of the Subordinate Group 1 Balance and the Subordinate Group 2
      Balance. For federal income tax purposes, the equivalent of the foregoing shall
      be expressed as the weighted average (adjusted for the actual number of days
      elapsed in the related Interest Accrual Period) of (a) REMIC 3 Regular Interest
      MTII-1SUB, subject to a cap and a floor equal to the Uncertificated REMIC 3
      Pass-Through Rate on REMIC 3 Regular Interest MTII-1GRP and (b) REMIC 3 Regular
      Interest MTII-2SUB, subject to a cap and a floor equal to the Uncertificated
      REMIC 3 Pass-Through Rate on REMIC 3 Regular Interest MTII-2GRP, in each case
      as
      determined for such Distribution Date, weighted on the basis of the
      Uncertificated Principal Balance of each such REMIC 3 Regular Interest
      immediately prior to such Distribution Date.

     

    Subsequent
      Mortgage Loan: Any Mortgage Loan other than an Initial Mortgage Loan conveyed
      to
      the Trust Fund pursuant to Section 2.01 hereof and to a Subsequent Transfer
      Agreement, which Mortgage Loan shall be listed on the revised Mortgage Loan
      Schedule delivered pursuant to this Agreement and on Schedule A to such
      Subsequent Transfer Agreement. When used with respect to a single Subsequent
      Transfer Date, Subsequent Mortgage Loan shall mean a Subsequent Mortgage Loan
      conveyed to the Trust on that Subsequent Transfer Date.

     

    Subsequent
      Mortgage Loan Interest: Any amount constituting an Interest Remittance Amount
      (other than an amount withdrawn from the related Capitalized Interest Account
      pursuant to clause (5) of the definition of “Interest Remittance Amount”)
      received or advanced with respect to a Subsequent Mortgage Loan during the
      Due
      Periods relating to the January 2007, February 2007 or March 2007 Distribution
      Dates, but only to the extent of the excess of such amount over the amount
      of
      interest accruing on such Subsequent Mortgage Loan during the related period
      at
      a per annum rate equal to 4.69%, 5.98% and 6.54%, respectively. The Subsequent
      Mortgage Loan Interest shall not be an asset of any REMIC.

     

    Subsequent
      Transfer Agreement: A Subsequent Transfer Agreement substantially in the form
      of
      Exhibit N hereto, executed and delivered by the Servicer, the Depositor, the
      Seller and the Trustee as provided in Section 2.01 hereof.

     

    Subsequent
      Transfer Date: For any Subsequent Transfer Agreement, the date the related
      Subsequent Mortgage Loans are transferred to the Trust Fund pursuant to the
      related Subsequent Transfer Agreement.

     

    Subservicer:
      Any subservicer which is subservicing the Mortgage Loans pursuant to a
      Subservicing Agreement. Any subservicer shall meet the qualifications set forth
      in Section 3.02.

     

    Subservicing
      Agreement: An agreement between a Servicer and a Subservicer for the servicing
      of the related Mortgage Loans.

     

    Substitution
      Adjustment Amount: As defined in Section 2.03.

     

    Supplemental
      Interest Trust: The corpus of a trust created pursuant to Section 4.11 of this
      Agreement and designated as the “Supplemental Interest Trust,” consisting of the
      Swap Agreement and the Swap Account. For the avoidance of doubt, the
      Supplemental Interest Trust, the Swap Agreement and the Swap Account do not
      constitute parts of the Trust Fund or any REMIC.

     

    Supplemental
      Interest Trust Posted Collateral Account: Shall mean the segregated non-interest
      bearing trust account created and maintained by the Supplemental Interest Trust
      Trustee pursuant to Section 4.12 hereof.

     

    Supplemental
      Interest Trust Trustee: U.S. Bank National Association, a national banking
      association not in its individual capacity but solely in its capacity as
      supplemental interest trust trustee under the Swap Agreement, and any successor
      thereto, and any corporation or national banking association resulting from
      or
      surviving any consolidation or merger to which it or its successors may be
      a
      party and any successor supplemental interest trust trustee as may from time
      to
      time be serving as successor supplemental interest trust trustee.

     

    Swap
      Account: The separate Eligible Account created and initially maintained within
      the Supplemental Interest Trust by the Supplemental Interest Trust Trustee
      pursuant to Section 4.11 in the name of the Supplemental Interest Trust Trustee
      for the benefit of the Certificateholders and designated “U.S. Bank National
      Association in trust for registered holders of Credit Suisse First Boston
      Mortgage Securities Corp., Home Equity Mortgage Pass-Through Certificates,
      Series 2006-6.” Funds in the Swap Account shall be held in trust for the
      Certificateholders for the uses and purposes set forth in this Agreement. The
      Swap Account will not be an asset of any REMIC. Ownership of the Swap Account
      is
      evidenced by the Class X-1 Certificates.

     

    Swap
      Agreement: Collectively, the ISDA Master Agreement (including the Schedule
      thereto and the transaction evidenced by the related Confirmation by and between
      the Supplemental Interest Trust Trustee acting as trustee on behalf of the
      Supplemental Interest Trust and the Counterparty, and the Credit Support Annex),
      forms of which are attached hereto as Exhibit CC and Exhibit DD.

     

    Swap
      LIBOR: LIBOR as determined pursuant to the Swap Agreement.

     

    Swap
      Payment Date: A payment date as defined in the Swap Agreement.

     

    Swap
      Termination Payment: Upon the designation of an “Early Termination Date” as
      defined in the Swap Agreement, the payment to be made by the Supplemental
      Interest Trust Trustee to the Counterparty from payments from the Trust Fund,
      or
      by the Counterparty to the Supplemental Interest Trust Trustee for payment
      to
      the Trust Fund, as applicable, pursuant to the terms of the Swap
      Agreement.

     

    Targeted
      Overcollateralization Amount: For any Distribution Date prior to the Stepdown
      Date, 5.30% of the Aggregate Collateral Balance as of the Cut-off Date; with
      respect to any Distribution Date on or after the Stepdown Date and with respect
      to which a Trigger Event is not in effect, the greater of (a) 10.60% of the
      Aggregate Collateral Balance for such Distribution Date and (b) 0.50% of the
      Aggregate Collateral Balance as of the Cut-off Date; with respect to any
      Distribution Date on or after the Stepdown Date with respect to which a Trigger
      Event is in effect and is continuing, the Targeted Overcollateralization Amount
      for the Distribution Date immediately preceding such Distribution Date.
      Notwithstanding the foregoing, on and after any Distribution Date following
      the
      reduction of the aggregate Class Principal Balance of the Class A Certificates
      and Class M Certificates to zero, the Targeted Overcollateralization Amount
      shall be zero. Upon (x) written direction by the Majority in Interest Holder
      of
      the Class X-1 Certificates and (y) the issuance by an affiliate of the Depositor
      of a credit enhancement contract in favor of REMIC 1 which is satisfactory
      to
      the Rating Agencies and (z) receipt by the Trustee of an Opinion of Counsel,
      which opinion shall not be an expense of the Trustee or the Trust Fund, but
      shall be at the expense of the Majority in Interest Holder of the Class X-1
      Certificates, to the effect that such credit enhancement contract will not
      cause
      the imposition of any federal tax on the Trust Fund or the Certificateholders
      or
      cause REMIC 1, REMIC 2, REMIC 3 and REMIC 4 to fail to qualify as a REMIC at
      any
      time that any Certificates are outstanding, the Targeted Overcollateralization
      Amount shall be reduced to the level approved by the Rating Agencies as a result
      of such credit enhancement contract. Any credit enhancement contract referred
      to
      in the previous sentence shall be collateralized by cash or mortgage loans,
      provided that (i) the aggregate Stated Principal Balance of the mortgage loans
      collateralizing any such credit enhancement contract shall not be less than
      the
      excess, if any, of (x) the initial Targeted Overcollateralization Amount over
      (y) the then-current Overcollateralization Amount and (ii) the issuance of
      any
      credit enhancement contract supported by mortgage loans shall not result in
      a
      downgrading of the ratings assigned by the Rating Agencies.

     

    Tax
      Matters Person: The person designated as “tax matters person” in the manner
      provided under Treasury regulation § 1.860F-4(d) and temporary Treasury
      regulation §301.6231(a)(7)-1T.

     

    Terminating
      Entity: As determined by the Trustee pursuant to Section 9.04(a). The
      Terminating Entity shall be determined on each Optional Termination
      Date.

     

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

     

    Trigger
      Event: A Trigger Event will be in effect for any Distribution Date on or after
      the Stepdown Date if (a) the Rolling Three Month Delinquency Rate as of the
      last
      day of the related Due Period equals or exceeds 14.16% of the Senior Enhancement
      Percentage for such Distribution Date or (ii) a Cumulative Loss Event is
      occurring. The Trigger Event may be amended by the parties hereto in the future
      with the consent of the Rating Agencies.

     

    Trust
      Collateral: As defined in Section 9.01(c).

     

    Trust
      Fund: Collectively, the assets of REMIC 1, REMIC 2, REMIC 3, REMIC 4, the
      Pre-Funding Account, the Capitalized Interest Account, the Basis Risk Reserve
      Fund and the Subsequent Mortgage Loan Interest.

     

    Trustee:
      U.S.
      Bank
      National Association
      and its
      successors and, if a successor trustee is appointed hereunder, such
      successor.

     

    Trustee
      Fee: As to each Mortgage Loan and any Distribution Date, an amount equal to
      one
      month’s interest at the Trustee Fee Rate on the Stated Principal Balance of such
      Mortgage Loan as of the Due Date in the month of such Distribution Date (prior
      to giving effect to any Scheduled Payments due on such Mortgage Loan on such
      Due
      Date).

     

    Trustee
      Fee Rate: With respect to any Distribution Date, 0.0125% per annum.

     

    Uncertificated
      Accrued Interest: With respect to each REMIC Regular Interest on each
      Distribution Date, an amount equal to one month’s interest at the related
      Uncertificated Pass-Through Rate on the Uncertificated Principal Balance of
      such
      REMIC Regular Interest. In each case, Uncertificated Accrued Interest will
      be
      reduced by any Net Prepayment Interest Shortfalls and Relief Act Reductions
      (allocated to such REMIC Regular Interests based on the priorities set forth
      in
      Section 1.03).

     

    Uncertificated
      Notional Amount: With respect to REMIC 1 Regular Interest LTI-S1, the
      Uncertificated Notional Amount shall be equal to the principal balance of the
      Group 1 Mortgage Loans. With respect to REMIC 1 Regular Interest LTI-S2, the
      Uncertificated Notional Amount shall be equal to the principal balance of the
      Group 2 Mortgage Loans. With respect to REMIC 3 Regular Interest MTII-IO, the
      Uncertificated Notional Amount shall be equal to the Uncertificated Principal
      Balance of REMIC 2 Regular Interest MTI-1-A and REMIC 2 Regular Interest
      MTI-2-A.

     

    Uncertificated
      Pass-Through Rate: The Uncertificated REMIC 1 Pass-Through Rate, the
      Uncertificated REMIC 2 Pass-Through Rate and the Uncertificated REMIC 3
      Pass-Through Rate. 

     

    Uncertificated
      Principal Balance: With respect to each REMIC Regular Interest, the amount
      of
      such REMIC Regular Interest outstanding as of any date of determination. As
      of
      the Closing Date, the Uncertificated Principal Balance of each REMIC Regular
      Interest shall equal the amount set forth in the Preliminary Statement hereto
      as
      its initial Uncertificated Principal Balance. On each Distribution Date, the
      Uncertificated Principal Balance of each REMIC Regular Interest shall be reduced
      by all distributions of principal made on such REMIC Regular Interest on such
      Distribution Date pursuant to Section 4.07 and, if and to the extent necessary
      and appropriate, shall be further reduced on such Distribution Date by Realized
      Losses as provided in Section 4.05(b), and the Uncertificated Principal Balances
      of REMIC 4 Regular Interest MTII-ZZ shall be increased, pro rata, by interest
      deferrals as provided in Section 4.07. The Uncertificated Principal Balance
      of
      each REMIC Regular Interest that has an Uncertificated Principal Balance shall
      never be less than zero. REMIC 1 Regular Interest LTI-S1, REMIC 1 Regular
      Interest LTI-S2, REMIC 2 Regular Interest MTI-S, REMIC 3 Regular Interest MTII-S
      and REMIC 3 Regular Interest MTII-IO shall not have an Uncertificated Principal
      Balance.

     

    Uncertificated
      REMIC 1 Pass-Through Rate: With respect to REMIC 1 Regular Interest LTI-1,
      a per
      annum rate equal to the weighted average of the Net Mortgage Rates on the Group
      1 Mortgage Loans; with respect to REMIC 1 Regular Interest LTI-2, REMIC 1
      Regular Interest LTI-P and REMIC 1 Regular Interest LTI-AR and (a) the Interest
      Accrual Periods in January 2007, February 2007 and March 2007, a per annum
      rate
      equal to the Initial Group 2 Loan Net WAC Rate and (b) thereafter, a per annum
      rate equal to the weighted average of the Net Mortgage Rates on the Group 2
      Mortgage Loans; with respect to REMIC 1 Regular Interest LTI-2PF and (a) the
      Interest Accrual Periods in January 2007, February 2007 and March 2007, a per
      annum rate equal to 4.69%, 5.98% and 6.54%, respectively, and (b) thereafter,
      a
      per annum rate equal to the weighted average of the Net Mortgage Rates on the
      Group 2 Mortgage Loans. With respect to REMIC 1 Regular Interest LTI-S1, a
      weighted average per annum rate, determined on a Mortgage Loan by Mortgage
      Loan
      basis, equal to the excess of (i) the excess of (a) the Mortgage Rate for each
      Group 1 Loan over (b) the sum of the Servicing Fee Rate, provided, however,
      that
      such rate shall be subject to a cap equal to 0.50% per annum, the Credit Risk
      Manager Fee Rate and the Trustee Fee Rate, over (ii) the Net Mortgage Rate
      of
      each such Mortgage Loan. With respect to REMIC 1 Regular Interest LTI-S2, a
      weighted average per annum rate, determined on a Mortgage Loan by Mortgage
      Loan
      basis, equal to the excess of (i) the excess of (a) the Mortgage Rate for each
      Group 2 Loan over (b) the sum of the Servicing Fee Rate, provided, however,
      that
      such rate shall be subject to a cap equal to 0.50% per annum, the Credit Risk
      Manager Fee Rate and the Trustee Fee Rate, over (ii) the Net Mortgage Rate
      of
      each such Mortgage Loan. 

     

    Uncertificated
      REMIC 2 Pass-Through Rate: With respect to REMIC 2 Regular Interest MTI-1-A,
      a
      per annum rate equal to the Uncertificated REMIC 1 Pass-Through Rate on REMIC
      1
      Regular Interest LTI-1 multiplied by 2, subject to a maximum rate of 10.500%.
      With respect to REMIC 2 Regular Interest MTI-2-A, a per annum rate equal to
      the
      weighted average of the Uncertificated REMIC 1 Pass-Through Rates on REMIC
      1
      Regular Interest LTI-2 and REMIC 1 Regular Interest LTI-2PF multiplied by 2,
      subject to a maximum rate of 10.500%. With respect to REMIC 2 Regular Interest
      MTI-1-B, the greater of (x) a per annum rate equal to the excess, if any, of
      (i)
      2 multiplied by the Uncertificated REMIC 1 Pass-Through Rates on REMIC 1 Regular
      Interest LTI-1 over (ii) 10.500% and (y) 0.000%. With respect to REMIC 2 Regular
      Interest MTI-2-B, the greater of (x) a per annum rate equal to the excess,
      if
      any, of (i) 2 multiplied by the weighted average of the Uncertificated REMIC
      1
      Pass-Through Rates on REMIC 1 Regular Interest LTI-2 and REMIC 1 Regular
      Interest LTI-2PF over (ii) 10.500% and (y) 0.000%. With respect to REMIC 2
      Regular Interest MTI-1X1, the Uncertificated REMIC 1 Pass-Through Rate on REMIC
      1 Regular Interest LTI-1. With respect to REMIC 2 Regular Interest MTI-2X1,
      REMIC 2 Regular Interest MTI-P and REMIC 1 Regular Interest MTI-AR, the weighted
      average of the Uncertificated REMIC 1 Pass-Through Rates on REMIC 1 Regular
      Interest LTI-2 and REMIC 1 Regular Interest LTI-2PF, weighted on the basis
      of
      the Uncertificated Principal Balance of each such REMIC 1 Regular Interest
      prior
      to the related Distribution Date. REMIC 2 Regular Interest MTI-S will not have
      an Uncertificated REMIC 2 Pass-Through Rate, but will be entitled to 100% of
      the
      amounts distributed on REMIC 1 Regular Interest LTI-S1 and REMIC 1 Regular
      Interest LTI-S2. 

     

    Uncertificated
      REMIC 3 Pass-Through Rate: With respect to REMIC 3 Regular Interests MTII-AA,
      MTII-1A-1, MTII-2A-1, MTII-2A-2, MTII-2A-3, MTII-M-1, MTII-M-2, MTII-M-3,
      MTII-M-4, MTII-M-5, MTII-M-6, MTII-M-7, MTII-M-8, MTII-M-9, MTII-ZZ, MTII-1SUB,
      MTII-2SUB and MTII-XX, a
      per
      annum rate (but not less than zero) equal to the weighted average of (w) with
      respect to REMIC 2 Regular Interest MTI-1-B and REMIC 2 Regular Interest
      MTI-2-B, the weighted average of the Uncertificated REMIC 2 Pass-Through Rates
      for such REMIC 2 Regular Interest, weighted on the basis of the Uncertificated
      Principal Balance of each such REMIC 2 Regular Interest for each such
      Distribution Date, (x) with respect to REMIC 2 Regular Interest MTI-1-A and
      REMIC 2 Regular Interest MTI-2-A and (i) the first 60 Distribution Dates, 2
      multiplied by Swap LIBOR, subject to a maximum rate of the Uncertificated REMIC
      2 Pass-Through Rates for each such REMIC 2 Regular Interest and (ii) thereafter,
      the Uncertificated REMIC 2 Pass-Through Rates for each such REMIC 2 Regular
      Interest, weighted, in each case, on the basis of the Uncertificated Principal
      Balance of each such REMIC 2 Regular Interest for each such Distribution Date
      and (y) with respect to REMIC 2 Regular Interest MTI-1X1 and REMIC 2 Regular
      Interest MTI-2X1, the weighted average of the Uncertificated REMIC 2
      Pass-Through Rates for such REMIC 2 Regular Interests, weighted on the basis
      of
      the Uncertificated Principal Balance of each such REMIC 2 Regular Interest
      for
      each such Distribution Date. 

     

    With
      respect to REMIC 3 Regular interest MTII-1GRP, a per annum rate equal to the
      weighted average of (w) with respect to REMIC 2 Regular Interest MTI-1-B, the
      weighted average of the Uncertificated REMIC 2 Pass-Through Rate for such REMIC
      2 Regular Interest, weighted on the basis of the Uncertificated Principal
      Balance of such REMIC 2 Regular Interest for each such Distribution Date, (x)
      with respect to REMIC 2 Regular Interest MTI-1-A and (i) the first 60
      Distribution Dates, 2 multiplied by Swap LIBOR, subject to a maximum rate of
      the
      Uncertificated REMIC 2 Pass-Through Rates for each such REMIC 2 Regular Interest
      and (ii) thereafter, the Uncertificated REMIC 2 Pass-Through Rates for such
      REMIC 2 Regular Interest, weighted, in each case, on the basis of the
      Uncertificated Principal Balance of such REMIC 2 Regular Interest for each
      such
      Distribution Date and (y) with respect to REMIC 2 Regular Interest MTI-1X1,
      the
      weighted average of the Uncertificated REMIC 2 Pass-Through Rate for such REMIC
      2 Regular Interest, weighted on the basis of the Uncertificated Principal
      Balance of such REMIC 2 Regular Interest for each such Distribution Date.

     

    With
      respect to REMIC 3 Regular interest MTII-2GRP, a per annum rate equal to the
      weighted average of (w) with respect to REMIC 2 Regular Interest MTI-2-B, the
      weighted average of the Uncertificated REMIC 2 Pass-Through Rate for such REMIC
      2 Regular Interest, weighted on the basis of the Uncertificated Principal
      Balance of such REMIC 2 Regular Interest for each such Distribution Date, (x)
      with respect to REMIC 2 Regular Interest MTI-2-A and (i) the first 60
      Distribution Dates, 2 multiplied by Swap LIBOR, subject to a maximum rate of
      the
      Uncertificated REMIC 2 Pass-Through Rates for each such REMIC 2 Regular Interest
      and (ii) thereafter, the Uncertificated REMIC 2 Pass-Through Rates for such
      REMIC 2 Regular Interest, weighted, in each case, on the basis of the
      Uncertificated Principal Balance of such REMIC 2 Regular Interest for each
      such
      Distribution Date and (y) with respect to REMIC 2 Regular Interest MTI-2X1,
      the
      weighted average of the Uncertificated REMIC 2 Pass-Through Rate for such REMIC
      2 Regular Interest, weighted on the basis of the Uncertificated Principal
      Balance of such REMIC 2 Regular Interest for each such Distribution Date.

     

    With
      respect to REMIC 3 Regular interest MTIA-IO and (I) the first 60 Distribution
      Dates, the weighted average of (a) the excess of (i) the weighted average of
      the
      Uncertificated REMIC 2 Pass-Through Rate for REMIC 2 Regular Interest MTI-1-A
      over (ii) 2 multiplied by Swap LIBOR and (b) thereafter, 0.00% and (II) the
      excess of (i) the weighted average of the Uncertificated REMIC 2 Pass-Through
      Rate for REMIC 2 Regular Interest MTI-2-A over (ii) 2 multiplied by Swap LIBOR
      and (b) thereafter, 0.00%.

     

    REMIC
      3
      Regular Interests MTIA-S will not have an Uncertificated REMIC 3 Pass-Through
      Rate, but shall be entitled to 100% of the amounts distributed on REMIC 2
      Regular Interests MTI-S.

     

    United
      States Person: A citizen or resident of the United States, a corporation or
      a
      partnership (including an 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 or any State thereof or the District of Columbia
      (except, in the case of a partnership, to the extent provided in regulations)
      provided that, for purposes solely of the restrictions on the transfer of Class
      A-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 to be United States Persons or an
      estate whose income is subject to United States federal income tax regardless
      of
      its source, or a trust if a court within the United States is able to exercise
      primary supervision over the administration of the trust and one or more such
      United States Persons have the authority to control all substantial decisions
      of
      the trust. To the extent prescribed in regulations by the Secretary of the
      Treasury, which have not yet been issued, a trust which was in existence on
      August 20, 1996 (other than a trust treated as owned by the grantor under
      subpart E of part I of subchapter J of chapter 1 of the Code), and which was
      treated as a United States person on August 20, 1996 may elect to continue
      to be
      treated as a United States Person notwithstanding the previous
      sentence.

     

    Voting
      Rights: The portion of the voting rights of all the Certificates that is
      allocated to any Certificate for purposes of the voting provisions of this
      Agreement. At all times during the term of this Agreement, 97% of all Voting
      Rights shall be allocated among the Class 1A-1, Class 2A-1, Class 2A-2, Class
      2A-3, Class M-1, Class M-2, Class M-3, Class M-4, Class M-5, Class M-6, Class
      M-7, Class M-8 and Class M-9 Certificates. The portion of such 97% Voting Rights
      allocated to the Class 1A-1, Class 2A-1, Class 2A-2, Class 2A-3, Class M-1,
      Class M-2, Class M-3, Class M-4, Class M-5, Class M-6, Class M-7, Class M-8
      and
      Class M-9 Certificates shall be based on the fraction, expressed as a
      percentage, the numerator of which is the aggregate Class Principal Balance
      then
      outstanding and the denominator of which is the Class Principal Balance of
      all
      such Classes then outstanding. The Class P, Class X-1 and Class X-S Certificates
      shall each be allocated 1% of the Voting Rights. Voting Rights shall be
      allocated among the Certificates within each such Class (other than the Class
      P,
      Class X-1 and Class X-S Certificates, which each have only one certificate)
      in
      accordance with their respective Percentage Interests. The Class X-2
      Certificates and Class A-R Certificates shall have no Voting
      Rights.

     

    
      	SECTION
              1.02  	
              Interest
                Calculations.

            

    

     

    The
      calculation of the Trustee Fee, the Servicing Fee, the Credit Risk Manager
      Fee
      and interest on the Class P, Class A-R, Class X-1 and Class X-S Certificates
      and
      on the related Uncertificated Interests shall be made on the basis of a 360-day
      year consisting of twelve 30-day months. The calculation of interest on the
      Class A-2, Class A-3, Class M-1, Class M-2, Class M-3, Class M-4, Class M-5,
      Class M-6, Class M-7, Class M-8 and Class M-9 Certificates and the related
      Uncertificated Interests shall be made on the basis of a 360-day year and the
      actual number of days elapsed in the related Interest Accrual Period. All dollar
      amounts calculated hereunder shall be rounded to the nearest penny with one-half
      of one penny being rounded down.

     

    
      	SECTION
              1.03  	
              Allocation
                of Certain Interest Shortfalls.

            

    

     

    For
      purposes of calculating the amount of Uncertificated Accrued Interest for the
      REMIC 1 Regular Interests for any Distribution Date, the aggregate amount of
      any
      Prepayment Interest Shortfalls (net of any Compensating Interest Payment) and
      any Relief Act Reductions incurred in respect of the Group 1 Loans for any
      Distribution Date shall be to REMIC 1 Regular Interests LTI-1 to the extent
      of
      one month’s interest at the then applicable Uncertificated REMIC 1 Pass-Through
      Rate on the Uncertificated Principal Balance of such REMIC 1 Regular Interest.
      For purposes of calculating the amount of Uncertificated Accrued Interest for
      the REMIC 1 Regular Interests for any Distribution Date, the aggregate amount
      of
      any Prepayment Interest Shortfalls (net of any Compensating Interest Payment)
      and any Relief Act Reductions incurred in respect of the Group 2 Loans for
      any
      Distribution Date shall be allocated pro
      rata
      to REMIC
      1 Regular Interests LTI-2 and LTI-2PF, in each case to the extent of one month’s
      interest at the then applicable respective Uncertificated REMIC 1 Pass-Through
      Rate on the respective Uncertificated Principal Balance of each such REMIC
      1
      Regular Interest; provided, however, that with respect to the first three
      Distribution Dates, such amounts relating to the Initial Group 2 Loans shall
      be
      allocated to REMIC 1 Regular Interest LTI-2 and such amounts relating to the
      Subsequent Mortgage Loans shall be allocated to REMIC 1 Regular Interest
      LTI-2PF.

     

    For
      purposes of calculating the amount of Uncertificated Accrued Interest for the
      REMIC 2 Regular Interests for any Distribution Date, the aggregate amount of
      any
      Prepayment Interest Shortfalls (net of any Compensating Interest Payment) in
      respect of the Group 1 Loans shall be allocated first, to REMIC 2 Regular
      Interest MTI-1-B based on, and to the extent of, one month’s interest at the
      then applicable respective Uncertificated REMIC 2 Pass-Through Rate on the
      respective Uncertificated Principal Balance of such REMIC 2 Regular Interest,
      and then to REMIC 2 Regular Interest MTI-1-A based on, and to the extent of,
      one
      month’s interest at the then applicable respective Uncertificated REMIC 2
      Pass-Through Rate on the respective Uncertificated Principal Balance of such
      REMIC 2 Regular Interest. For purposes of calculating the amount of
      Uncertificated Accrued Interest for the REMIC 2 Regular Interests for any
      Distribution Date, the aggregate amount of any Prepayment Interest Shortfalls
      (net of any Compensating Interest Payment) in respect of the Group 2 Loans
      shall
      be allocated first, to REMIC 2 Regular Interest MTI-2-B based on, and to the
      extent of, one month’s interest at the then applicable respective Uncertificated
      REMIC 2 Pass-Through Rate on the respective Uncertificated Principal Balance
      of
      such REMIC 2 Regular Interest, and then to REMIC 2 Regular Interest MTI-2-A
      based on, and to the extent of, one month’s interest at the then applicable
      respective Uncertificated REMIC 2 Pass-Through Rate on the respective
      Uncertificated Principal Balance of such REMIC 2 Regular Interest.

     

    For
      purposes of calculating the amount of Uncertificated Accrued Interest for the
      REMIC 3 Regular Interests for any Distribution Date the REMIC 3 Marker
      Allocation Percentage of any aggregate amount of any Prepayment Interest
      Shortfalls and any Relief Act Interest Shortfalls incurred in respect of the
      Mortgage Loans shall be allocated among REMIC 3 Regular Interests MTII-AA,
      MTII-1A-1, MTII-2A-1, MTII-2A-2, MTII-2A-3, MTII-M-1, MTII-M-2, MTII-M-3,
      MTII-M-4, MTII-M-5, MTII-M-6, MTII-M-7, MTII-M-8, MTII-M-9 and MTII-ZZ
pro
      rata
      based
      on, and to the extent of, one month’s interest at the then applicable respective
      Uncertificated REMIC 3 Pass-Through Rate on the respective Uncertificated
      Principal Balance of each such REMIC 3 Regular Interest. 

     

    For
      purposes of calculating the amount of Uncertificated Accrued Interest for the
      REMIC 3 Regular Interests for any Distribution Date the REMIC 3 Sub WAC
      Allocation Percentage of any aggregate amount of any Prepayment Interest
      Shortfalls and any Relief Act Interest Shortfalls incurred in respect of the
      Mortgage Loans shall be allocated among REMIC 3 Regular Interests MTII-1SUB,
      MTII-1GRP, MTII-2SUB, MTII-2GRP and MTII-XX, pro
      rata
      based
      on, and to the extent of, one month’s interest at the then applicable respective
      Uncertificated REMIC 3 Pass-Through Rate on the respective Uncertificated
      Principal Balance of each such REMIC 3 Regular Interest.

     

    

    
      
        
        

      

      
        
        

        
          

        

      

      
        
        

      

    

    

    ARTICLE
      II

     

    CONVEYANCE
      OF MORTGAGE LOANS;

    REPRESENTATIONS
      AND WARRANTIES

     

    
      	SECTION
              2.01  	
              Conveyance
                of Mortgage Loans.

            

    

     

    (a)  The
      Depositor, concurrently with the execution and delivery hereof, hereby sells,
      transfers, assigns, sets over and otherwise conveys to the Trustee in trust
      for
      the benefit of the Certificateholders, without recourse, all (i) the right,
      title and interest of the Depositor (which does not include servicing rights)
      in
      and to each Initial Mortgage Loan, including all interest and principal received
      or receivable on or with respect to such Initial Mortgage Loans after the
      Cut-off Date and all interest and principal payments on the Initial Mortgage
      Loans received prior to the Cut-off Date in respect of installments of interest
      and principal due thereafter, but not including payments of principal and
      interest due and payable on the Initial Mortgage Loans on or before the Cut-off
      Date (other than the rights of the Servicer to service the Mortgage Loans in
      accordance with this Agreement), (ii) the Depositor’s rights under the
      Assignment Agreement (iii) any such amounts as may be deposited into and held
      by
      the Trustee in the Basis Risk Reserve Fund, the Pre-Funding Account and the
      Capitalized Interest Account and (iv) all proceeds of any of the foregoing.
      In
      addition, on or prior to the Closing Date, the Depositor shall cause the
      Counterparty to enter into the Swap Agreement with the Supplemental Interest
      Trust Trustee. The parties hereto agree that it is not intended that any
      mortgage loan be conveyed to the Trust that is either (i) a “High-Cost Home
      Loan” as defined in the New Jersey Home Ownership Act effective November 27,
      2003, (ii) a “High-Cost Home Loan” as defined in the New Mexico Home Loan
      Protection Act effective January 1, 2004 (iii) a “High Cost Home Mortgage Loan”
as defined in the Massachusetts Predatory Home Loan Practices Act effective
      November 7, 2004 or (iv) a “High-Cost Home Loan” as defined by the Indiana High
      Cost Home Loan Law effective January 1, 2005.

     

    (b)  In
      connection with the transfer and assignment set forth in clause (a) above,
      the
      Depositor has delivered or caused to be delivered to the Trustee or its
      designated agent, the Custodian, for the benefit of the Certificateholders,
      the
      documents and instruments with respect to each Mortgage Loan as
      assigned:

     

    (i)  the
      original Mortgage Note of the Mortgagor in the name of the Trustee or endorsed
      “Pay to the order of ________________ without recourse” and signed in the name
      of the last named endorsee by an authorized officer, together with all
      intervening endorsements showing a complete chain of endorsements from the
      Originator of the related Mortgage Loan to the last endorsee or with respect
      to
      any Lost Mortgage Note (as such term is defined in the Pooling and Servicing
      Agreement), a lost note affidavit stating that the original Mortgage Note was
      lost or destroyed, together with a copy of such Mortgage Note;

     

    (ii)  for
      each
      Mortgage Loan that is not a MERS Mortgage Loan, the original Mortgage bearing
      evidence that such instruments have been recorded in the appropriate
      jurisdiction where the Mortgaged Property is located as determined by DLJMC
      (or,
      in lieu of the original of the Mortgage or the assignment thereof, a duplicate
      or conformed copy of the Mortgage or the instrument of assignment, if any,
      together with a certificate of receipt from the Seller or the settlement agent
      who handled the closing of the Mortgage Loan, certifying that such copy or
      copies represent true and correct copy(ies) of the original(s) and that such
      original(s) have been or are currently submitted to be recorded in the
      appropriate governmental recording office of the jurisdiction where the
      Mortgaged Property is located) or a certification or receipt of the recording
      authority evidencing the same and in the case of each MERS Mortgage Loan, the
      original Mortgage, noting the presence of the MIN of the related Mortgage Loan
      and either language indicating that the Mortgage Loan is a MOM Loan if the
      Mortgage Loan is a MOM Loan or if the Mortgage Loan was not a MOM Loan at
      origination, the original Mortgage and the assignment thereof to MERS, with
      evidence of recording indicated thereon or a copy of the Mortgage certified
      by
      the public recording office in which such Mortgage has been
      recorded;

     

    (iii)  for
      each
      Mortgage Loan that is not a MERS Mortgage Loan, the original Assignment of
      Mortgage, in blank, which assignment appears to be in form and substance
      acceptable for recording and, in the event that the related Seller acquired
      the
      Mortgage Loan in a merger, the assignment must be by “[Seller], successor by
      merger to [name of predecessor]”, and in the event that the Mortgage Loan was
      acquired or originated by the related Seller while doing business under another
      name, the assignment must be by “[Seller], formerly known as [previous
      name]”;

     

    (iv)  for
      each
      Mortgage Loan, at any time that such Mortgage Loan is not a MERS Mortgage Loan,
      the originals of all intervening Assignments of Mortgage not included in (iii)
      above showing a complete chain of assignment from the originator of such
      Mortgage Loan to the Person assigning the Mortgage to the Trustee, including
      any
      warehousing assignment, with evidence of recording on each such Assignment
      of
      Mortgage (or, in lieu of the original of any such intervening assignment, a
      duplicate or conformed copy of such intervening assignment together with a
      certificate of receipt from the related Seller or the settlement agent who
      handled the closing of the Mortgage Loan, certifying that such copy or copies
      represent true and correct copy(ies) of the original(s) and that such
      original(s) have been or are currently submitted to be recorded in the
      appropriate governmental recording office of the jurisdiction where the
      Mortgaged Property is located) or a certification or receipt of the recording
      authority evidencing the same;

     

    (v)  an
      original of any related security agreement (if such item is a document separate
      from the Mortgage) and the originals of any intervening assignments thereof
      showing a complete chain of assignment from the originator of the related
      Mortgage Loan to the last assignee;

     

    (vi)  an
      original assignment of any related security agreement (if such item is a
      document separate from the Mortgage) executed by the last assignee in
      blank;

     

    (vii)  the
      originals of any assumption, modification, extension or guaranty agreement
      with
      evidence of recording thereon, if applicable (or, in lieu of the original of
      any
      such agreement, a duplicate or conformed copy of such agreement together with
      a
      certificate of receipt from the related Seller or the settlement agent who
      handled the closing of the Mortgage Loan, certifying that such copy(ies)
      represent true and correct copy(ies) of the original(s) and that such
      original(s) have been or are currently submitted to be recorded in the
      appropriate governmental recording office of the jurisdiction where the
      Mortgaged Property is located), or a certification or receipt of the recording
      authority evidencing the same;

     

    (viii)  if
      the
      Mortgage Note or Mortgage or any other document or instrument relating to the
      Mortgage Loan has been signed by a person on behalf of the Mortgagor, the
      original power of attorney or other instrument that authorized and empowered
      such person to sign bearing evidence that such instrument has been recorded,
      if
      so required, in the appropriate jurisdiction where the Mortgaged Property is
      located as determined by DLJMC (or, in lieu thereof, a duplicate or conformed
      copy of such instrument, together with a certificate of receipt from the related
      Seller or the settlement agent who handled the closing of the Mortgage Loan,
      certifying that such copy(ies) represent true and complete copy(ies)of the
      original(s) and that such original(s) have been or are currently submitted
      to be
      recorded in the appropriate governmental recording office of the jurisdiction
      where the Mortgaged Property is located) or a certification or receipt of the
      recording authority evidencing the same; and

     

    (ix)  in
      the
      case of the First Mortgage Loans, the original mortgage title insurance policy,
      or if such mortgage title insurance policy has not yet been issued, an original
      or copy of a marked-up written commitment or a pro forma title insurance policy
      marked as binding and countersigned by the title insurance company or its
      authorized agent either on its face or by an acknowledged closing instruction
      or
      escrow letter.

     

    In
      the
      event the Seller delivers to the Trustee certified copies of any document or
      instrument set forth in 2.01(b) because of a delay caused by the public
      recording office in returning any recorded document, the Seller shall deliver
      to
      the Trustee, within 60 days of the Closing Date, an Officer’s Certificate which
      shall (i) identify the recorded document, (ii) state that the recorded document
      has not been delivered to the Trustee due solely to a delay caused by the public
      recording office, and (iii) state the amount of time generally required by
      the
      applicable recording office to record and return a document submitted for
      recordation. The Trustee shall deliver such Officer’s Certificate to the
      applicable Custodian.

     

    In
      the
      event that in connection with any Mortgage Loan the Depositor cannot deliver
      (a)
      for a Mortgage Loan that is not registered on the MERS® System, the original
      recorded Mortgage, (b) all interim recorded assignments or (c) the lender’s
      title policy (together with all riders thereto) satisfying the requirements
      set
      forth above, concurrently with the execution and delivery hereof because such
      document or documents have not been returned from the applicable public
      recording office in the case of clause (a) or (b) above, or because the title
      policy has not been delivered to the Seller or the Depositor by the applicable
      title insurer in the case of clause (c) above, the Depositor shall promptly
      deliver to the Trustee, in the case of clause (a) or (b) above, such original
      Mortgage or such interim assignment, as the case may be, with evidence of
      recording indicated thereon upon receipt thereof from the public recording
      office, or a copy thereof, certified, if appropriate, by the relevant recording
      office and in the case of clause (c) above, if such lender’s title policy is
      received by the Depositor, upon receipt thereof.

     

    As
      promptly as practicable subsequent to such transfer and assignment, and in
      any
      event, within thirty (30) days thereafter, the Trustee shall (at the Seller’s
      expense) (i) affix the Trustee’s name to each Assignment of Mortgage, as the
      assignee thereof, (ii) cause such assignment to be in proper form for recording
      in the appropriate public office for real property records within thirty (30)
      days after receipt thereof and (iii) cause to be delivered for recording in
      the
      appropriate public office for real property records the assignments of the
      Mortgages to the Trustee, except that, with respect to any assignment of a
      Mortgage as to which the Trustee has not received the information required
      to
      prepare such assignment in recordable form, the Trustee’s obligation to do so
      and to deliver the same for such recording shall be as soon as practicable
      after
      receipt of such information and in any event within thirty (30) days after
      the
      receipt thereof, and the Trustee need not cause to be recorded (a) any
      assignment referred to in clause (iii) above which relates to a Mortgage Loan
      in
      any jurisdiction under the laws of which, as evidenced by an Opinion of Counsel
      delivered to the Trustee (at the Depositor’s expense, provided such expense has
      been previously approved by the Depositor in writing) within 180 days of the
      Closing Date, acceptable to the Rating Agencies, the recordation of such
      assignment is not necessary to protect the Trustee’s and the Certificateholders’
interest in the related Mortgage Loan or (b) if MERS is identified on the
      Mortgage or on a properly recorded assignment of the Mortgage as the mortgagee
      of record solely as nominee for the Seller and its successors and
      assigns.

     

    In
      connection with the assignment of any Mortgage Loan registered on the MERS®
System, the Depositor further agrees that it will cause, at the Depositor’s own
      expense, on or prior to the Closing Date, the MERS® 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 “[IDENTIFY TRUSTEE SPECIFIC
      CODE]” in the field “[IDENTIFY THE FIELD NAME FOR TRUSTEE]” which identifies the
      Trustee and (b) the code “[IDENTIFY SERIES SPECIFIC CODE NUMBER]” 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 Servicer to, and the 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.

     

    (c)  The
      Trustee is authorized to appoint any bank or trust company approved by the
      Depositor as Custodian of the documents or instruments referred to in this
      Section 2.01, and to enter into the Custodial Agreement for such purpose and
      any
      documents delivered thereunder shall be delivered to the Custodian and any
      Officer’s Certificates delivered with respect thereto shall be delivered to the
      Trustee and the Custodian.

     

    (d)  It
      is the
      express intent of the parties to this Agreement that the conveyance of the
      Mortgage Loans by the Depositor to the Trustee as provided in this Section
      2.01
      be, and be construed as, a sale of the Mortgage Loans by the Depositor to the
      Trustee. It is, further, not the intention of the parties to this Agreement
      that
      such conveyance be deemed a pledge of the Mortgage Loans by the Depositor to
      the
      Trustee to secure a debt or other obligation of the Depositor. However, in
      the
      event that, notwithstanding the intent of the parties to this Agreement, the
      Mortgage Loans are held to be the property of the Depositor, or if for any
      other
      reason this Agreement is held or deemed to create a security interest in the
      Mortgage Loans then (a) this Agreement shall also be deemed to be a security
      agreement within the meaning of Articles 8 and 9 of the New York Uniform
      Commercial Code; (b) the conveyance provided for in this Section 2.01 shall
      be
      deemed to be a grant by the Depositor to the Trustee for the benefit of the
      Certificateholders of a security interest in all of the Depositor’s right, title
      and interest in and to the Mortgage Loans and all amounts payable to the holders
      of the Mortgage Loans in accordance with the terms thereof and all proceeds
      of
      the conversion, voluntary or involuntary, of the foregoing into cash,
      instruments, securities or other property, including without limitation all
      amounts, other than investment earnings, from time to time held or invested
      in
      the Certificate Account, whether in the form of cash, instruments, securities
      or
      other property; (c) the possession by the Trustee or any Custodian of such
      items
      of property and such other items of property as constitute instruments, money,
      negotiable documents or chattel paper shall be deemed to be “in possession by
      the secured party” for purposes of perfecting the security interest pursuant to
      Section 9-305 of the New York Uniform Commercial Code; 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, financial intermediaries,
      bailees or agents (as applicable) of the Trustee for the benefit of the
      Certificateholders for the purpose of perfecting such security interest under
      applicable law (except that nothing in this clause (e) shall cause any person
      to
      be deemed to be an agent of the Trustee for any purpose other than for
      perfection of such security interests unless, and then only to the extent,
      expressly appointed and authorized by the Trustee in writing). The Depositor
      and
      the Trustee, upon directions from the Depositor, shall, to the extent consistent
      with this Agreement, take such actions as may be necessary to ensure that,
      if
      this Agreement were deemed to create a security interest in the Mortgage Loans,
      such security interest would be deemed to be a perfected security interest
      of
      first priority under applicable law and will be maintained as such throughout
      the term of this Agreement.

     

    (e)  The
      Depositor hereby sells, transfers, assigns, sets over and otherwise conveys
      to
      the Trustee in trust for the benefit of the Certificateholders, without
      recourse, all right, title and interest in such Subsequent Mortgage Loans (which
      does not include servicing rights), including all interest and principal due
      on
      or with respect to such Subsequent Mortgage Loans on or after the related
      Subsequent Transfer Date and all interest and principal payments on such
      Subsequent Mortgage Loans received prior to the Subsequent Transfer Date in
      respect of installments of interest and principal due thereafter, but not
      including principal and interest due on such Subsequent Mortgage Loans prior
      to
      the related Subsequent Transfer Date, any insurance policies in respect of
      such
      Subsequent Mortgage Loans and all proceeds of any of the foregoing.

     

    (f)  Upon
      one
      Business Day’s prior written notice to the Trustee, the Servicer and the Rating
      Agencies, on any Business Day during the Pre-Funding Period designated by the
      Depositor, the Depositor, DLJMC, the Servicer, and the Trustee shall complete,
      execute and deliver a Subsequent Transfer Agreement so long as no Rating Agency
      has provided notice that the execution and delivery of such Subsequent Transfer
      Agreement will result in a reduction or withdrawal of the ratings assigned
      to
      the Certificates.

     

    The
      transfer of Subsequent Mortgage Loans and the other property and rights relating
      to them on a Subsequent Transfer Date is subject to the satisfaction of each
      of
      the following conditions:

     

    (i)  each
      Subsequent Mortgage Loan conveyed on such Subsequent Transfer Date satisfies
      the
      representations and warranties applicable to it under this Agreement as of
      the
      applicable Subsequent Transfer Date; provided, however, that with respect to
      a
      breach of a representation and warranty with respect to a Subsequent Mortgage
      Loan, the obligation under Section 2.03(f) of this Agreement of the Seller
      to
      cure, repurchase or replace such Subsequent Mortgage Loan shall constitute
      the
      sole remedy against the Seller respecting such breach available to
      Certificateholders, the Depositor or the Trustee;

     

    (ii)  the
      Trustee and the Rating Agencies are provided with an Opinion of Counsel or
      Opinions of Counsel, at the expense of the Depositor, stating that each REMIC
      in
      the Trust Fund is and shall continue to qualify as a REMIC following the
      transfer of the Subsequent Mortgage Loans, to be delivered as provided pursuant
      to Section 2.01(g);

     

    (iii)  the
      Rating Agencies and the Trustee are provided with an Opinion of Counsel or
      Opinions of Counsel, at the expense of the Depositor, confirming that the
      transfer of the Subsequent Mortgage Loans conveyed on such Subsequent Transfer
      Date is a true sale, to be delivered as provided pursuant to Section
      2.01(g);

     

    (iv)  the
      execution and delivery of such Subsequent Transfer Agreement or conveyance
      of
      the related Subsequent Mortgage Loans does not result in a reduction or
      withdrawal of any ratings assigned to the Certificates by the Rating
      Agencies;

     

    (v)  no
      Subsequent Mortgage Loan conveyed on such Subsequent Transfer Date is 30 or
      more
      days contractually delinquent as of such date;

     

    (vi)  the
      remaining term to stated maturity of such Subsequent Mortgage Loan does not
      exceed 30 years for fully amortizing loans or 15 years for balloon
      loans;

     

    (vii)  such
      Subsequent Mortgage Loan does not have a Net Mortgage Rate less than 9.00%
      per
      annum;

     

    (viii)  the
      Depositor shall have deposited in the Collection Account all principal and
      interest collected with respect to the related Subsequent Mortgage Loans on
      or
      after the related Subsequent Transfer Date;

     

    (ix)  such
      Subsequent Mortgage Loan does not have a Combined Loan-to-Value Ratio greater
      than 100.00%;

     

    (x)  such
      Subsequent Mortgage Loan has a principal balance not greater than
      $400,000;

     

    (xi)  no
      Subsequent Mortgage Loan shall have a final maturity date after February 1,
      2037;

     

    (xii)  such
      Subsequent Mortgage Loan is secured by a first or second lien;

     

    (xiii)  such
      Subsequent Mortgage Loan is otherwise acceptable to the Rating
      Agencies;

     

    (xiv)  [reserved];

     

    (xv)  following
      the conveyance of such Subsequent Mortgage Loans on such Subsequent Transfer
      Date the characteristics of the Group 2 Loans (based on the Initial Group 2
      Loans as of the Cut-off Date and the Subsequent Mortgage Loans as of their
      related Subsequent Transfer Date) will be as follows:

     

    
      	A.  	
              a
                weighted average Mortgage Rate of at least 10.00% per
                annum;

            

    

     

    
      	B.  	
              a
                weighted average remaining term to stated maturity of less than 250
                months;

            

    

     

    
      	C.  	
              a
                weighted average Combined Loan-to-Value Ratio of not more than
                100.00%;

            

    

     

    
      	D.  	
              a
                weighted average credit score of at least
                660;

            

    

     

    
      	E.  	
              no
                more than 95% of the Group 2 Loans, by aggregate Cut-off Date Principal
                Balance, are balloon loans;

            

    

     

    
      	F.  	
              no
                more than 45% of the Group 2 Loans, by aggregate Cut-off Date Principal
                Balance, are concentrated in one state;
                and

            

    

     

    
      	G.  	
              no
                more than 20% of the Group 2 Loans, by aggregate Cut-off Date Principal
                Balance, relate to non-owner occupied
                properties;

            

    

     

    (xvi)  neither
      the Seller nor the Depositor shall be insolvent or shall be rendered insolvent
      as a result of such transfer;

     

    (xvii)  no
      Event
      of Default has occurred hereunder; and

     

    (xviii)  the
      Depositor shall have delivered to the Trustee an Officer’s Certificate
      confirming the satisfaction of each of these conditions precedent.

     

    (g)  Upon
      (1)
      delivery to the Trustee by the Depositor of the Opinions of Counsel referred
      to
      in Sections 2.01(f)(ii) and (iii), (2) delivery to the Trustee by the Depositor
      of a revised Mortgage Loan Schedule reflecting the Subsequent Mortgage Loans
      conveyed on such Subsequent Transfer Date and the related Subsequent Mortgage
      Loans and (3) delivery to the Trustee by the Depositor of an Officer’s
      Certificate confirming the satisfaction of each of the conditions precedent
      set
      forth in Section 2.01(f), the Trustee shall remit to the Depositor the Aggregate
      Subsequent Transfer Amount related to the Subsequent Mortgage Loans transferred
      by the Depositor on such Subsequent Transfer Date from funds in the Pre-Funding
      Account.

     

    The
      Trustee shall not be required to investigate or otherwise verify compliance
      with
      the conditions set forth in the preceding paragraph, except for its own receipt
      of documents specified above, and shall be entitled to rely on the required
      Officer’s Certificate.

     

    
      	SECTION
              2.02  	
              Acceptance
                by the Trustee.

            

    

     

    The
      Trustee acknowledges receipt by itself or the Custodian of the documents
      identified in the Initial Certification in the form annexed hereto as Exhibit
      G
      and declares that it or the Custodian on its behalf hold and will hold the
      documents delivered to it or the Custodian, respectively, constituting the
      Mortgage Files, and that it or the Custodian holds or will hold such other
      assets as are included in the Trust Fund, in trust for the exclusive use and
      benefit of all present and future Certificateholders. The Trustee acknowledges
      that it or the Custodian will maintain possession of the Mortgage Notes in
      the
      State of Illinois or the State of Minnesota, as directed by the Seller, unless
      otherwise permitted by the Rating Agencies.

     

    The
      Custodian is required under the Custodial Agreement to execute and deliver
      on
      the Closing Date to the Depositor, the Seller, the Trustee and the Servicer
      an
      Initial Certification in the form annexed hereto as Exhibit G with respect
      to
      the Mortgage Loans delivered to such Custodian. The Trustee shall deliver on
      the
      Closing Date to the Depositor, the Seller, the Trustee and the Servicer an
      Initial Certification in the form annexed hereto as Exhibit G with respect
      to
      the Mortgage Loans delivered to the Trustee. Based on its respective review
      and
      examination, and only as to the documents identified in such related Initial
      Certification, pursuant to the Custodial Agreement, the Custodian will
      acknowledge that such documents delivered to it appear regular on their face
      and
      relate to such Mortgage Loan and pursuant to this Agreement the Trustee will
      acknowledge that such documents delivered to it appear regular on their face
      and
      relate to such Mortgage Loan. Neither the Trustee nor the Custodian shall be
      under any 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 in the real estate records or that they are other
      than what they purport to be on their face.

     

    Not
      later
      than 90 days after the Closing Date, the Trustee and the Custodian are each
      required to deliver to the Depositor, the Seller, the Trustee and the Servicer
      a
      Final Certification with respect to the Mortgage Loans delivered to it in the
      form annexed hereto as Exhibit H, with any applicable exceptions noted
      thereon.

     

    If,
      in
      the course of such review, the Trustee or the Custodian, as applicable, finds
      any document constituting a part of a Mortgage File which does not meet the
      requirements of Section 2.01, the Trustee or, pursuant to the Custodial
      Agreement, the Custodian, will list such as an exception in the Final
      Certification; provided, however, that neither the Trustee nor the Custodian
      shall make any determination as to whether (i) any endorsement is sufficient
      to
      transfer all right, title and interest of the party so endorsing, as noteholder
      or assignee thereof, in and to that Mortgage Note or (ii) any assignment is
      in
      recordable form or is sufficient to effect the assignment of and transfer to
      the
      assignee thereof under the mortgage to which the assignment
      relates.

     

    The
      Seller shall promptly correct or cure such defect within 120 days from the
      date
      it was so notified of such defect and, if the Seller does not correct or cure
      such defect within such period and such defect materially and adversely affects
      the interests of the Certificateholders in the related Mortgage Loan, the Seller
      shall either (a) substitute for the related Mortgage Loan a Qualified Substitute
      Mortgage Loan, which substitution shall be accomplished in the manner and
      subject to the conditions set forth in Section 2.03, or (b) purchase such
      Mortgage Loan from the Trustee within 120 days from the date the Seller was
      notified of such defect in writing at the Repurchase Price of such Mortgage
      Loan; provided, however, that in no event shall such substitution or repurchase
      occur more than 540 days from the Closing Date, except that if the substitution
      or repurchase of a Mortgage Loan pursuant to this provision is required by
      reason of a delay in delivery of any documents by the appropriate recording
      office, then such substitution or repurchase shall occur within 720 days from
      the Closing Date; and further provided, that the Seller shall have no liability
      for recording any Assignment of Mortgage in favor of the Trustee or for the
      Trustee’s failure to record such Assignment of Mortgage, and the Seller shall
      not be obligated to repurchase or cure any Mortgage Loan solely as a result
      of
      the Trustee’s failure to record such Assignment of Mortgage. The Trustee, or the
      related Custodian on its behalf, shall deliver written notice to each Rating
      Agency within 360 days from the Closing Date indicating each Mortgage Loan
      (a)
      the Assignment of Mortgage which has not been returned by the appropriate
      recording office or (b) as to which there is a dispute as to location or status
      of such Mortgage Loan. Such notice shall be delivered every 90 days thereafter
      until the Assignment of Mortgage for the related Mortgage Loan is returned
      to
      the Trustee or the dispute as to location or status has been resolved. Any
      such
      substitution pursuant to (a) above shall not be effected prior to the delivery
      to the Trustee of the Opinion of Counsel required by Section 2.05 hereof, if
      any, and any substitution pursuant to (a) above shall not be effected prior
      to
      the additional delivery to the Trustee, from the Servicer, of a Request for
      Release substantially in the form of Exhibit M. No substitution is permitted
      to
      be made in any calendar month after the Determination Date for such month.
      The
      Repurchase Price for any such Mortgage Loan shall be deposited by the Seller
      in
      the Certificate Account on or prior to the Business Day immediately preceding
      such Distribution Date in the month following the month of repurchase. Upon
      receipt of such deposit the Servicer shall deliver a certification with respect
      thereto in the form of Exhibit M hereto to the Trustee, with a copy to the
      Custodian. The Trustee, or the Custodian on behalf of the Trustee, shall release
      the related Mortgage File to the Seller and shall execute and deliver at such
      entity’s request such instruments of transfer or assignment prepared by such
      entity, in each case without recourse, as shall be necessary to vest in such
      entity, or a designee, the Trustee’s interest in any Mortgage Loan released
      pursuant hereto. In furtherance of the foregoing, if the Seller is not a member
      of MERS and repurchases a Mortgage Loan which is registered on the MERS® System,
      the Seller, 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 the Seller and shall cause such
      Mortgage to be removed from registration on the MERS® System in accordance with
      MERS’ rules and regulations.

     

    With
      respect to any Mortgage Loan that is in default or default is reasonably
      foreseeable for which the Seller reasonably believes breaches a representation,
      warranty or covenant under a Mortgage Loan Purchase Agreement pursuant to which
      the Seller purchased from the Originator or prior holder of such Mortgage Loan,
      the Seller shall have the right to repurchase such Mortgage Loan from the Trust
      at any time in order to facilitate its rights against such Originator or prior
      holder of such Mortgage Loan at a price equal to the Repurchase Price;
provided,
      however,
      that in
      no event shall such repurchase take place with respect to Mortgage Loans
      constituting more than 5% of the aggregate Cut-off Date Principal Balance of
      the
      Mortgage Loans plus amounts in deposit in the Pre-Funding Account as of the
      Closing Date. Any such repurchase by the Seller pursuant to this provision
      shall
      be effected in accordance with the provisions of Section 2.03(f).

     

    In
      the
      event that the Seller exercises such option, the Repurchase Price therefore
      shall be deposited in the Certificate Account. Upon such deposit of the
      Repurchase Price, the Servicer shall deliver a Request for Release in the form
      of Exhibit M hereto to the Trustee, with copies to the applicable Custodian.
      The
      applicable Custodian shall release the related Mortgage File held for the
      benefit of the Certificateholders to the Seller, and the Trustee shall execute
      and deliver at the Seller’s discretion such instruments of transfer or
      assignment prepared by the Seller, in each case without recourse, as shall
      be
      necessary to transfer title from the Trustee to the Seller.

     

    Pursuant
      to the related Custodial Agreement, the related Custodian is required to execute
      and deliver on the Subsequent Transfer Date to the Depositor, the Seller, the
      Trustee and the Servicer an Initial Certification in the form annexed hereto
      as
      Exhibit G. Based on its review and examination, and only as to the documents
      identified in such Initial Certification, the related Custodian shall
      acknowledge that such documents appear regular on their face and relate to
      such
      Subsequent Mortgage Loan. Neither the Trustee nor the related Custodian shall
      be
      under a 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 in the real estate records or that they are other
      than what they purport to be on their face.

     

    Pursuant
      to the related Custodial Agreement, not later than 90 days after the end of
      the
      Pre-Funding Period, the related Custodian is required to deliver to the
      Depositor, the Seller, the Trustee and the Servicer a Final Certification with
      respect to the Subsequent Mortgage Loans in the form annexed hereto as Exhibit
      H
      with any applicable exceptions noted thereon.

     

    If,
      in
      the course of such review of the Mortgage Files relating to the Subsequent
      Mortgage Loans, the related Custodian finds any document constituting a part
      of
      a Mortgage File which does not meet the requirements of Section 2.01, pursuant
      to the Custodial Agreement, the Custodian will be required to list such as
      an
      exception in the Final Certification; provided, however that neither the Trustee
      nor the Custodian shall make any determination as to whether (i) any endorsement
      is sufficient to transfer all right, title and interest of the party so
      endorsing, as noteholder or assignee thereof, in and to that Mortgage Note
      or
      (ii) any assignment is in recordable form or is sufficient to effect the
      assignment of and transfer to the assignee thereof under the mortgage to which
      the assignment relates. The Seller shall cure any such defect or repurchase
      or
      substitute for any such Mortgage Loan in accordance with Section
      2.02(a).

     

    Pursuant
      to the Custodial Agreement, if the Custodian discovers any defect with respect
      to any Mortgage File, the Custodian shall give written specification of such
      defect to the Trustee and the Seller. The Seller shall be responsible for
      completing or correcting any missing, incomplete or inconsistent
      documents.

     

    It
      is
      understood and agreed that the obligation of the Seller to cure, substitute
      for
      or to repurchase any Mortgage Loan which does not meet the requirements of
      Section 2.01 shall constitute the sole remedy respecting such defect available
      to the Trustee, the Depositor and any Certificateholder against the
      Seller.

     

    The
      Trustee shall pay to the Custodian from time to time reasonable compensation
      for
      all services rendered by it hereunder or under the Custodial Agreement, and
      the
      Trustee shall 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 or the Custodial
      Agreement, except any such expense, disbursement or advance as may arise from
      its negligence or bad faith.

     

    
      	SECTION
              2.03  	
              Representations
                and Warranties of the Seller, the Servicer.

            

    

     

    (a)  The
      Seller hereby makes the representations and warranties applicable to it set
      forth in Schedule II hereto, and by this reference incorporated herein, to
      the
      Depositor and the Trustee, as of the Closing Date, or if so specified therein,
      as of the Cut-off Date or such other date as may be specified.

     

    (b)  The
      Servicer, hereby makes the representations and warranties applicable to it
      set
      forth in Schedule IIIA hereto, and by this reference incorporated herein, to
      the
      Depositor and the Trustee, as of the Closing Date, or if so specified therein,
      as of the Cut-off Date or such other date as may be specified.

     

    (c)  The
      Servicer, will use its reasonable efforts to become 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.

     

    (d)  The
      Seller hereby makes the representations and warranties set forth in Schedule
      IV
      as applicable hereto, and by this reference incorporated herein, to the Trustee,
      as of the Closing Date, or the Subsequent Transfer Date, as applicable, or
      if so
      specified therein, as of the Cut-off Date or such other date as may be
      specified.

     

    (e)  Upon
      discovery by any of the parties hereto of a breach of a representation or
      warranty made pursuant to Section 2.03(d) that materially and adversely affects
      the interests of the Certificateholders in any Mortgage Loan, the party
      discovering such breach shall give prompt notice thereof to the other parties.
      The Seller hereby covenants that within 120 days of the earlier of its discovery
      or its receipt of written notice from any party of a breach of any
      representation or warranty made by it pursuant to Section 2.03(d) which
      materially and adversely affects the interests of the Certificateholders in
      any
      Mortgage Loan sold by the Seller to the Depositor, it shall cure such breach
      in
      all material respects, and if such breach is not so cured, shall, (i) if such
      120-day period expires prior to the second anniversary of the Closing Date,
      remove such Mortgage Loan (a “Deleted Mortgage Loan”) from the Trust Fund and
      substitute in its place a Qualified Substitute Mortgage Loan, in the manner
      and
      subject to the conditions set forth in this Section; or (ii) repurchase the
      affected Mortgage Loan from the Trustee at the Repurchase Price in the manner
      set forth below; provided, however, that any such substitution pursuant to
      (i)
      above shall not be effected prior to the delivery to the Trustee of the Opinion
      of Counsel required by Section 2.05 hereof, if any, and any such substitution
      pursuant to (i) above shall not be effected prior to the additional delivery
      by
      the Servicer to the Trustee, with a copy to the Custodian, of a Request for
      Release substantially in the form of Exhibit M and the Mortgage File for any
      such Qualified Substitute Mortgage Loan. With respect to any Mortgage Loan
      in
      Loan Group 1, any breach of the representation and warranty set forth in clauses
      (xix), (xxi), (xxii) and (xxiii) of Schedule III hereto shall be deemed to
      materially and adversely affect the interest of the Certificateholders in that
      Mortgage Loan. The Seller shall promptly reimburse the Trustee for any actual
      out-of-pocket expenses reasonably incurred by the Trustee in respect of
      enforcing the remedies for such breach. With respect to any representation
      and
      warranties described in this Section which are made to the best of a Seller’s
      knowledge if it is discovered by the Depositor, the Seller or the Trustee that
      the substance of such representation and warranty is inaccurate and such
      inaccuracy materially and adversely affects the value of the related Mortgage
      Loan or the interests of the Certificateholders therein, notwithstanding the
      Seller’s lack of knowledge with respect to the substance of such representation
      or warranty, such inaccuracy shall be deemed a breach of the applicable
      representation or warranty.

     

    With
      respect to any Qualified Substitute Mortgage Loan or Loans, the Seller shall
      deliver to the Trustee for the benefit of the Certificateholders the Mortgage
      Note, the Mortgage, the related assignment of the Mortgage, and such other
      documents and agreements as are required by Section 2.01(b), with the Mortgage
      Note endorsed and the Mortgage assigned as required by Section 2.01. No
      substitution is permitted to be made in any calendar month after the
      Determination Date for such month. Scheduled 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 Seller on the next succeeding
      Distribution Date. For the month of substitution, distributions to
      Certificateholders will include the monthly payment due on any Deleted Mortgage
      Loan for such month and thereafter the Seller shall be entitled to retain all
      amounts received in respect of such Deleted Mortgage Loan. The Seller shall
      amend the Mortgage Loan Schedule for the benefit of the Certificateholders
      to
      reflect the removal of such Deleted Mortgage Loan and the substitution of the
      Qualified Substitute Mortgage Loan or Loans and the Seller 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 in all respects, and the Seller shall be deemed to have made
      with
      respect to such Qualified Substitute Mortgage Loan or Loans, as of the date
      of
      substitution, the representations and warranties made pursuant to Section
      2.03(d) with respect to such Mortgage Loan. Upon any such substitution and
      the
      deposit to the Certificate Account of the amount required to be deposited
      therein in connection with such substitution as described in the following
      paragraph, the Trustee shall release the Mortgage File held for the benefit
      of
      the Certificateholders relating to such Deleted Mortgage Loan to the Seller
      and
      shall execute and deliver at the Seller’s direction such instruments of transfer
      or assignment prepared by the Seller, in each case without recourse, as shall
      be
      necessary to vest title in the Seller, or its designee, the Trustee’s interest
      in any Deleted Mortgage Loan substituted for pursuant to this Section
      2.03.

     

    For
      any
      month in which the Seller substitutes one or more Qualified Substitute Mortgage
      Loans for one or more Deleted Mortgage Loans, the Trustee shall 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 (after
      application of the scheduled principal portion of the monthly payments due
      in
      the month of substitution). The amount of such shortage (the “Substitution
      Adjustment Amount”) plus an amount equal to the sum of (i) the aggregate of any
      unreimbursed Advances with respect to such Deleted Mortgage Loans and (ii)
      any
      costs and damages actually incurred and paid by or on behalf of the Trust in
      connection with any breach of the representation and warranty set forth in
      Schedule IV (xx) as the result of a violation of a predatory or abusive lending
      law applicable to such Mortgage Loan shall be deposited in the Certificate
      Account by the Seller on or before the Business Day immediately preceding the
      Distribution Date in the month succeeding the calendar month during which the
      related Mortgage Loan became required to be repurchased or replaced
      hereunder.

     

    In
      the
      event that the Seller shall have repurchased a Mortgage Loan, the Repurchase
      Price therefor shall be deposited in the Certificate Account on or before the
      Business Day immediately preceding the Distribution Date in the month following
      the month during which the Seller became obligated hereunder to repurchase
      or
      replace such Mortgage Loan. Upon such deposit of the Repurchase Price and the
      delivery of the Opinion of Counsel if required by Section 2.05, the related
      Servicer shall deliver a Request for Release in the form of Exhibit M hereto
      to
      the Trustee, with a copy to the Custodian. The Trustee, or the Custodian on
      behalf of the Trustee, shall release the related Mortgage File held for the
      benefit of the Certificateholders to such Person, and the Trustee shall execute
      and deliver at such Person’s direction such instruments of transfer or
      assignment prepared by such Person, in each case without recourse, as shall
      be
      necessary to transfer title from the Trustee. It is understood and agreed that
      the obligation under this Agreement of any Person to cure, repurchase or
      substitute any Mortgage Loan as to which a breach has occurred and is continuing
      shall constitute the sole remedy against such Persons respecting such breach
      available to Certificateholders, the Depositor or the Trustee on their
      behalf.

     

    The
      representations and warranties made pursuant to this Section 2.03 shall survive
      delivery of the respective Mortgage Files to the Trustee for the benefit of
      the
      Certificateholders.

     

    
      	SECTION
              2.04  	
              Representations
                and Warranties of the Depositor as to the Mortgage
                Loans.

            

    

     

    The
      Depositor hereby represents and warrants to the Trustee with respect to the
      Mortgage Loans that, as of the Closing Date, assuming good title has been
      conveyed to the Depositor, the Depositor had good title to the Mortgage Loans
      and Mortgage Notes, and did not encumber the Mortgage Loans during its period
      of
      ownership thereof, other than as contemplated by the Agreement.

     

    It
      is
      understood and agreed that the representations and warranties set forth in
      this
      Section 2.04 shall survive delivery of the Mortgage Files to the
      Trustee.

     

    
      	SECTION
              2.05  	
              Delivery
                of Opinion of Counsel in Connection with
                Substitutions.

            

    

     

    Notwithstanding
      any contrary provision of this Agreement, no substitution pursuant to Section
      2.02 shall be made more than 120 days after the Closing Date unless the Seller
      delivers to the Trustee an Opinion of Counsel, which Opinion of Counsel shall
      not be at the expense of either the Trustee or the Trust Fund, addressed to
      the
      Trustee, to the effect that such substitution will not (i) result in the
      imposition of the tax on “prohibited transactions” on the Trust Fund or
      contributions after the Startup Date, as defined in Sections 860F(a)(2) and
      860G(d) of the Code, respectively, or (ii) cause any REMIC created hereunder
      to
      fail to qualify as a REMIC at any time that any Certificates are outstanding;
      provided,
      however,
      that no
      Opinion of Counsel shall be required if (A) the substitution occurs within
      two
      years of the Closing Date and (B) the substitution occurs with respect to
      Mortgage Loans that are “defective” under the Code and the Seller delivers to
      the Trustee an Officer's Certificate substantially in the form of Exhibit
      GG.

     

    
      	SECTION
              2.06  	
              Execution
                and Delivery of Certificates.

            

    

     

    The
      Trustee (or the related Custodian) acknowledges receipt of the items described
      in Section 2.02 of this Agreement and the documents identified in the Initial
      Certification in the form annexed hereto as Exhibit G and, concurrently with
      such receipt, has executed and delivered to or upon the order of the Depositor,
      the Certificates in authorized denominations evidencing directly or indirectly
      the entire ownership of the Trust Fund. The Trustee agrees to hold the Trust
      Fund and exercise the rights referred to above for the benefit of all present
      and future Holders of the Certificates and to perform the duties set forth
      in
      this Agreement to the best of its ability, to the end that the interests of
      the
      Holders of the Certificates may be adequately and effectively
      protected.

     

    
      	SECTION
              2.07  	
              REMIC
                Matters.

            

    

     

    The
      Preliminary Statement sets forth the designations and “latest possible maturity
      date” for federal income tax purposes of all interests created hereby. The
“Startup Day” for purposes of the REMIC Provisions shall be the Closing Date.
      The REMIC 1 Regular Interests shall be designated as the “regular interests” in
      REMIC 1. The REMIC 2 Regular Interests shall be designated as the “regular
      interests” in REMIC 2. The REMIC 3 Regular Interests shall be designated as the
“regular interests” in REMIC 3. The Class 1A-1, Class 2A-1, Class 2A-2, Class
      2A-3, Class M-1, Class M-2, Class M-3, Class M-4, Class M-5, Class M-6, Class
      M-7, Class M-8, Class M-9, Class P, Class X-1 and Class X-S Certificates and
      the
      Class IO Interest shall be designated as the “regular interests” in REMIC 4. The
      Class A-R Certificates will represent beneficial ownership of four residual
      interests, Class R-1 Interest, Class R-2 Interest, Class R-3 Interest and Class
      R-4 Interest, each of which will constitute the sole class of residual interests
      in each of REMIC 1, REMIC 2, REMIC 3 and REMIC 4, respectively. The Trustee
      shall not permit the creation of any “interests” (within the meaning of Section
      860G of the Code) in REMIC 1, REMIC 2, REMIC 3 or REMIC 4 other than the
      Certificates, the REMIC 1 Regular Interests, the REMIC 2 Regular Interests
      or
      the REMIC 3 Regular Interests. The “tax matters person” with respect to each of
      REMIC 1, REMIC 2, REMIC 3 and REMIC 4 shall be the Holder of the Class A-R
      Certificate at any time holding the largest Percentage Interest thereof in
      the
      manner provided under Treasury regulations section 1.860F-4(d) and Treasury
      regulations section 301.6231(a)(7)-1. The fiscal year for each REMIC shall
      be
      the calendar year. In addition, the Class X-1 Certificateholders shall be deemed
      to have entered into a contractual arrangement with the Class A-R
      Certificateholders whereby the Class A-R Certificateholders agree to pay to
      the
      Class X-1 Certificateholders on each Distribution Date amounts that would,
      in
      the absence of such contractual agreement, be distributable with respect to
      the
      residual interest in REMIC 1, REMIC 2, REMIC 3 and REMIC 4 pursuant to Section
      4.02(b)(iv)Z. (which amounts are expected to be zero).

    

    
      	SECTION
              2.08  	
              Covenants
                of the Servicer.

            

    

     

    The
      Servicer hereby covenants to the Depositor and the Trustee that no written
      information, certificate of an officer, statement furnished in writing or
      written report prepared by the Servicer and delivered to the Depositor, any
      affiliate of the Depositor or the Trustee and prepared by the Servicer pursuant
      to this Agreement will contain any untrue statement of a material
      fact.

     

    
      	SECTION
              2.09  	
              Conveyance
                of REMIC Regular Interests and Acceptance of REMIC 1, REMIC 2, REMIC
                3 and
                REMIC 4 by the Trustee; Issuance of
                Certificates.

            

    

     

    (a)  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
      1 Regular Interests for the benefit of the Holder of the REMIC 2 Regular
      Interests and the Holders of the Class R-2 Interest. The Trustee acknowledges
      receipt of the REMIC 1 Regular Interests (each of which is 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 2 Regular Interests and Holder of the Class
      R-2 Interest. The interests evidenced by the Class R-2 Interest, together with
      the REMIC 2 Regular Interests, constitute the entire beneficial ownership
      interest in REMIC 2.

     

    (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
      2 Regular Interests for the benefit of the Holders of the REMIC 3 Regular
      Interests and the Class R-3 Interest. The Trustee acknowledges receipt of the
      REMIC 2 Regular Interests (each of which is 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 3 Regular Interests and of the Class R-3 Interest. The
      interests evidenced by the Class R-3 Interest, together with the REMIC 3 Regular
      Interests, constitute the entire beneficial ownership interest in REMIC
      3.

     

    (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
      3 Regular Interests for the benefit of the Holders of the Regular Certificates,
      the Class IO Interest and the Class R-4 Interest. The Trustee acknowledges
      receipt of the REMIC 3 Regular Interests (each of which is 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, the Class IO Interest and
      of
      the Class R-4 Interest. The interests evidenced by the Class R-4 Interest,
      together with the Regular Certificates and the Class IO Interest, constitute
      the
      entire beneficial ownership interest in REMIC 4.

     

    (d)  In
      exchange for the REMIC 3 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 the entire beneficial ownership interest
      in
      REMIC 4.

     

    (e)  Concurrently
      with (i) the assignment and delivery to the Trustee of REMIC 1 (including the
      Residual Interest therein represented by the Class R-1 Interest) and the
      acceptance by the Trustee thereof, pursuant to Section 2.01, Section 2.02 and
      Section 2.09(a); (ii) the assignment and delivery to the Trustee of REMIC 2
      (including the Residual Interest therein represented by the Class R-2 Interest)
      and the acceptance by the Trustee thereof, pursuant to Section 2.09(b); (iii)
      the assignment and delivery to the Trustee of REMIC 3 (including the Residual
      Interest therein represented by the Class R-3 Interest) and the acceptance
      by
      the Trustee thereof, pursuant to Section 2.09(c); and (iv) the
      assignment and delivery to the Trustee of REMIC 4 (including the Residual
      Interest therein represented by the Class R-4 Interest) and the acceptance
      by
      the Trustee thereof, pursuant to Section 2.09(d)
      and the
      acceptance by the Trustee thereof, pursuant to Section 2.09(e), the Trustee,
      pursuant to the written request of the Depositor executed by an officer of
      the
      Depositor, has executed, authenticated and delivered to or upon the order of
      the
      Depositor, the Regular Certificates and the Class A-R Certificates in authorized
      denominations evidencing the Class R-1 Interest, the Class R-2 Interest, the
      Class R-3 Interest and the Class R-4 Interest.

     

    
      	SECTION
              2.10  	
              Purposes
                and Powers of the Trust.

            

    

     

    The
      purpose of the common law trust, as created hereunder, is to engage in the
      following activities:

     

    (a)  acquire
      and hold the Mortgage Loans and the other assets of the Trust Fund and the
      proceeds therefrom;

     

    (b)  to
      issue
      the Certificates sold to the Depositor in exchange for the Mortgage
      Loans;

     

    (c)  to
      make
      payments on the Certificates;

     

    (d)  to
      engage
      in those activities that are necessary, suitable or convenient to accomplish
      the
      foregoing or are incidental thereto or connected therewith; and

     

    (e)  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. The Trustee shall
      not cause the trust to 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 2.10 may not be
      amended.

     

     

     

     

    ARTICLE
      III

     

    ADMINISTRATION
      AND SERVICING

    OF
      MORTGAGE LOANS

     

    
      	SECTION
              3.01  	
              Servicer
                to Service Mortgage Loans.

            

    

     

    For
      and
      on behalf of the Certificateholders, the Servicer shall service and administer
      the Mortgage Loans in accordance with the terms of this Agreement and with
      Accepted Servicing Practices. Notwithstanding anything in this Agreement, any
      Subservicing Agreement or the Credit Risk Management Agreement to the contrary,
      the Servicer shall not have any duty or obligation to enforce any Credit Risk
      Management Agreement to which it is not a party, nor to supervise, monitor
      or
      oversee the activities of the Credit Risk Manager under any other Credit Risk
      Management Agreement with respect to any action taken or not taken by the
      Servicer pursuant to a recommendation of the Credit Risk Manager. In connection
      with such servicing and administration, the Servicer shall have full power
      and
      authority, acting alone and/or through Subservicers as provided in Section
      3.02
      hereof, to do or cause to be done any and all things that it may deem necessary
      or desirable in connection with such servicing and administration, including
      but
      not limited to, the power and authority, subject to the terms hereof (i) to
      execute and deliver, on behalf of the Certificateholders and the Trustee,
      customary consents or waivers and other instruments and documents, (ii) to
      consent to transfers of any Mortgaged Property and assumptions of the Mortgage
      Notes and related Mortgages (but only in the manner provided in this Agreement),
      (iii) to collect any Insurance Proceeds and other Liquidation Proceeds, and
      (iv)
      to effectuate foreclosure or other conversion of the ownership of the Mortgaged
      Property securing any Mortgage Loan; provided that the Servicer shall not take
      any action that is materially inconsistent with or materially prejudices the
      interests of the Trust Fund or the Certificateholders in any Mortgage Loan
      or
      the rights and interests of the Depositor, the Trustee or the Certificateholders
      under this Agreement unless such action is specifically called for by the terms
      hereof. The Trustee will provide a limited power of attorney to the Servicer,
      prepared by the Servicer and reasonably acceptable to the Trustee, to permit
      the
      Servicer to act on behalf of the Trustee under this Agreement. The Servicer
      hereby indemnifies the Trustee for all costs and expenses incurred by the
      Trustee in connection with the negligent or willful misuse of such power of
      attorney. The Servicer shall represent and protect the interests of the Trust
      Fund in the same manner as it protects its own interests in mortgage loans
      in
      its own portfolio in any claim, proceeding or litigation regarding a Mortgage
      Loan. The Servicer further is hereby authorized and empowered in its own name
      or
      in the name of the Subservicer, when the 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® System, or cause the removal from the registration of
      any Mortgage Loan on the MERS® 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 reasonable expenses incurred in
      connection with the actions described in the preceding sentence or as a result
      of MERS discontinuing or becoming unable to continue operations in connection
      with the MERS® System, shall be reimbursable by the Trust Fund to such Servicer.
      Notwithstanding the foregoing, subject to Section 3.05(a), the Servicer shall
      not make or permit any modification, waiver or amendment of 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 3.10 hereof) which would cause any of
      REMIC 1, REMIC 2, REMIC 3 or REMIC 4 to fail to qualify as a REMIC. Without
      limiting the generality of the foregoing, the Servicer, in its own name or
      in
      the name of the Depositor and the Trustee, is hereby authorized and empowered
      by
      the Depositor and the Trustee, when the Servicer believes it appropriate in
      its
      reasonable judgment, to execute and deliver, on behalf of the Trustee, the
      Depositor, the Certificateholders or any of them, any and all instruments of
      satisfaction or cancellation, or of partial or full release or discharge and
      all
      other comparable instruments, with respect to the Mortgage Loans, and with
      respect to the Mortgaged Properties held for the benefit of the
      Certificateholders. The Servicer shall prepare and deliver to the Depositor
      and/or the Trustee such documents requiring execution and delivery by either
      or
      both of them as are necessary or appropriate to enable the Servicer to service
      and administer the Mortgage Loans to the extent that the Servicer is not
      permitted to execute and deliver such documents pursuant to the preceding
      sentence. Upon receipt of such documents and a written request signed by an
      authorized officer, the Depositor and/or the Trustee shall execute such
      documents and deliver them to the Servicer.

     

    In
      accordance with the standards of the preceding paragraph, the Servicer shall
      advance or cause to be advanced funds as necessary for the purpose of effecting
      the payment of taxes and assessments on any Mortgaged Property (to the extent
      the Servicer has been notified that such taxes or assessments have not paid
      by
      the related Mortgagor or the owner or the servicer of the related First Mortgage
      Loan), which advances shall be reimbursable in the first instance from related
      collections from the Mortgagors pursuant to Section 3.06, and further as
      provided in Section 3.08; provided, however, that the Servicer shall be required
      to advance only to the extent that such advances, in the good faith judgment
      of
      the Servicer, will be recoverable by the Servicer out of Insurance Proceeds,
      Liquidation Proceeds, or otherwise out of the proceeds of the related Mortgage
      Loan; and provided, further, that such payments shall be advanced within such
      time period required to avoid the loss of the Mortgaged Property by foreclosure
      of a tax or other lien. The costs incurred by the Servicer, if any, in effecting
      the timely payments of taxes and assessments on the Mortgaged Properties and
      related insurance premiums shall not, for the purpose of calculating monthly
      distributions to the Certificateholders, be added to the Stated Principal
      Balances of the related Mortgage Loans, notwithstanding that the terms of such
      Mortgage Loans so permit; provided, however, that the limitations contained
      in
      this sentence will not apply to modifications made pursuant to Section
      3.05(a).

     

    Subject
      to the provisions of the first paragraph of this Section, the Trustee shall
      execute, at the written request of the Servicer, and furnish to the Servicer
      and
      any Subservicer such documents as are necessary or appropriate to enable the
      Servicer or any Subservicer to carry out their servicing and administrative
      duties hereunder, and the Trustee hereby grants to the Servicer a power of
      attorney, to be completed in the form of Exhibit AA hereto, to carry out such
      duties. The Trustee shall not be liable for the actions of the Servicer or
      any
      Subservicers under such powers of attorney.

     

    If
      the
      Mortgage relating to a Mortgage Loan had a lien senior to the Mortgage Loan
      on
      the related Mortgaged Property as of the Cut-off Date, then the Servicer, in
      such capacity, may consent to the refinancing of the prior senior lien, provided
      that the following requirements are met:

     

    (i)  the
      resulting Combined Loan-to-Value Ratio of such Mortgage Loan is no higher than
      the Combined Loan-to-Value Ratio prior to such refinancing; and

     

    (ii)  the
      interest rate for the loan evidencing the refinanced senior lien is no more
      than
      2.0% higher than the interest rate or the maximum interest rate, as the case
      may
      be, on the loan evidencing the existing senior lien immediately prior to the
      date of such refinancing; and

     

    (iii)  the
      loan
      evidencing the refinanced senior lien is not subject to negative
      amortization.

     

    With
      respect to the Mortgage Loans, the Servicer of each Mortgage Loan agrees that,
      with respect to the Mortgagors of such Mortgage Loans, such Servicer for each
      Mortgage Loan shall furnish, in accordance with the Fair Credit Reporting Act
      and its implementing regulations, accurate and complete information on its
      borrower credit files to Equifax, Experian and Trans Union Credit Information
      Company on a monthly basis.

     

    
      	SECTION
              3.02  	
              Subservicing;
                Enforcement of the Obligations of
                Subservicers.

            

    

     

    (a)  The
      Mortgage Loans may be subserviced by a Subservicer on behalf of the Servicer
      in
      accordance with the servicing provisions of this Agreement, provided that the
      Subservicer is an approved Fannie Mae or Freddie Mac seller/servicer in good
      standing. The Servicer may perform any of its servicing responsibilities
      hereunder or may cause the Subservicer to perform any such servicing
      responsibilities on its behalf, but the use by the Servicer of the Subservicer
      shall not release the Servicer from any of its obligations hereunder and the
      Servicer shall remain responsible hereunder for all acts and omissions of the
      Subservicer as fully as if such acts and omissions were those of the Servicer.
      The Servicer shall pay all fees and expenses of any Subservicer engaged by
      the
      Servicer from its own funds.

     

    Notwithstanding
      the foregoing, the
      Servicer
      shall be entitled to outsource one or more separate servicing functions to
      a
      Person (each, an “Outsourcer”) that does not meet the eligibility requirements
      for a Subservicer, so long as such outsourcing does not constitute the
      delegation of the Servicer’s obligation to perform all or substantially all of
      the servicing of the related Mortgage Loans to such Outsourcer. In such event,
      the use by the Servicer of any such Outsourcer shall not release the Servicer
      from any of its obligations hereunder and such Servicer shall remain responsible
      hereunder for all acts and omissions of such Outsourcer as fully as if such
      acts
      and omissions were those of the Servicer, and the Servicer shall pay all fees
      and expenses of the Outsourcer from the Servicer’s own funds.

     

    (b)  At
      the
      cost and expense of the Servicer, without any right of reimbursement from the
      Depositor, Trustee, the Trust Fund, or the Collection Account, the Servicer
      shall be entitled to terminate the rights and responsibilities of its
      Subservicer and arrange for any servicing responsibilities to be performed
      by a
      successor Subservicer meeting the requirements set forth in Section 3.02(a),
      provided, however, that nothing contained herein shall be deemed to prevent
      or
      prohibit the Servicer, at the Servicer’s option, from electing to service the
      Mortgage Loans itself. In the event that the Servicer’s responsibilities and
      duties under this Agreement are terminated pursuant to Section 7.01, and if
      requested to do so by the Trustee, the Servicer shall at its own cost and
      expense terminate the rights and responsibilities of its Subservicer as soon
      as
      is reasonably possible. The Servicer shall pay all fees, expenses or penalties
      necessary in order to terminate the rights and responsibilities of its
      Subservicer from the Servicer’s own funds without any right of reimbursement
      from the Depositor, Trustee, the Trust Fund, or the Collection
      Account.

     

    (c)  Notwithstanding
      any of the provisions of this Agreement relating to agreements or arrangements
      between the Servicer and its Subservicer, the Servicer and its Outsourcer,
      or
      any reference herein to actions taken through the Subservicer, the Outsourcer,
      or otherwise, no Servicer shall be relieved of its obligations to the Depositor,
      Trustee or Certificateholders and shall be obligated to the same extent and
      under the same terms and conditions as if it alone were servicing and
      administering the related Mortgage Loans. The Servicer shall be entitled to
      enter into an agreement with its Subservicer and Outsourcer for indemnification
      of the Servicer or Outsourcer, as applicable, by such Subservicer and nothing
      contained in this Agreement shall be deemed to limit or modify such
      indemnification.

     

    For
      purposes of this Agreement, the Servicer shall be deemed to have received any
      collections, recoveries or payments with respect to the related Mortgage Loans
      that are received by a related Subservicer or Outsourcer, as applicable,
      regardless of whether such payments are remitted by the Subservicer or
      Outsourcer, as applicable, to the Servicer.

     

    Any
      Subservicing Agreement and any other transactions or services relating to the
      Mortgage Loans involving a Subservicer or an Outsourcer shall be deemed to
      be
      between the Subservicer or an Outsourcer, and the Servicer alone, and the
      Depositor and the Trustee shall have no obligations, duties or liabilities
      with
      respect to a Subservicer including no obligation, duty or liability of the
      Depositor and Trustee or the Trust Fund to pay a Subservicer’s fees and
      expenses.

     

    
      	SECTION
              3.03  	
              [Reserved].

            

    

     

    
      	SECTION
              3.04  	
              Trustee
                to Act as Servicer.

            

    

     

    (a)  In
      the
      event that the Servicer shall for any reason no longer be the Servicer hereunder
      (including by reason of an Event of Default), the Trustee or its successor
      shall
      thereupon assume all of the rights and obligations of the Servicer hereunder
      arising thereafter (except that the Trustee shall not be (i) liable for losses
      of the Servicer pursuant to Section 3.09 hereof or any acts or omissions of
      the
      related predecessor Servicer hereunder, (ii) obligated to make Advances if
      it is
      prohibited from doing so by applicable law or (iii) deemed to have made any
      representations and warranties of the Servicer hereunder). Any such assumption
      shall be subject to Section 7.02 hereof.

     

    The
      Servicer shall, upon request of the Trustee, but at the expense of the Servicer,
      deliver to the assuming party all documents and records relating to each
      Subservicing Agreement or substitute Subservicing Agreement and the Mortgage
      Loans then being serviced thereunder and hereunder by such Servicer and an
      accounting of amounts collected or held by it and otherwise use its best efforts
      to effect the orderly and efficient transfer of the substitute Subservicing
      Agreement to the assuming party.

     

    (b)  [reserved].

     

    
      	SECTION
              3.05  	
              Collection
                of Mortgage Loans; Collection Accounts; Certificate Account; Pre-Funding
                Account; Capitalized Interest
                Account.

            

    

     

    (a)  Continuously
      from the date hereof until the principal and interest on all Mortgage Loans
      have
      been paid in full or such Mortgage Loans have become Liquidated Mortgage Loans,
      the Servicer shall proceed in accordance with Accepted Servicing Practices
      to
      collect all payments due under the Mortgage Loans when the same shall become
      due
      and payable to the extent consistent with this Agreement and, consistent with
      such standard, with respect to Escrow Mortgage Loans, the Servicer shall
      ascertain and estimate Escrow Payments and all other charges that will become
      due and payable with respect to the Mortgage Loans and the Mortgaged Properties,
      to the end that the installments payable by the Mortgagors will be sufficient
      to
      pay such charges as and when they become due and payable. Consistent with the
      foregoing, in connection with Mortgage Loans which it is directly servicing,
      the
      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 (provided that any such related prepayment charge waiver shall
      be
      in accordance with the provisions of Section 4.09) and (ii) extend the Due
      Dates
      for payments due on a Mortgage Note for a period not greater than 180 days;
      provided,
      however,
      that the
      Servicer cannot extend the maturity of any such Mortgage Loan past the date
      on
      which the final payment is due on the latest maturing Mortgage Loan as of the
      Cut-off Date. Consistent with the foregoing, in instances when a Mortgage Loan
      is in default or default is reasonably foreseeable (within the meaning of the
      REMIC Provisions), the Servicer may modify the terms of such Mortgage Loan
      to
      (1) capitalize to the principal balance of any unreimbursed Advances,
      unreimbursed Servicing Advances, unpaid Servicing Fees, and related amounts
      due
      to the Servicer with respect to the related Mortgage Loan; (2) defer such
      amounts to a balloon payment due on the final payment date of such Mortgage
      Loan; (3) extend the maturity of any such Mortgage Loan, but in no instance
      past
      the date on which the final payment is due on the latest maturing Mortgage
      Loan
      as of the Cut-off Date; (4) reduce the related Mortgage Rate; and/or (5) accept
      less than the outstanding principal balance as satisfaction of such Mortgage
      Loan; provided,
      however,
      that
      the aggregate principal balance of all mortgage loans subject to modifications
      (measured at the time of the modification and after giving effect to any
      modification) can be no more than five percent of the Aggregate Collateral
      Balance as of the Cut-off Date, provided, that such limit may be increased
      from
      time to time if each Rating Agency provides written confirmation that an
      increase in excess of that limit 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. Any such waiver, modification, postponement or indulgence
      granted to a Mortgagor by the Servicer in connection with its servicing of
      the
      related First Mortgage Loan shall not be considered relevant to a determination
      of whether the Servicer has acted consistently with the terms and standards
      of
      this Agreement, so long as in the Servicer’s determination such action is not
      materially adverse to the interests of the Certificateholders. Notice of any
      such modifications shall be provided (i) in writing, by the Servicer to the
      Depositor and the Trustee or (ii) as part of the monthly report delivered by
      the
      Servicer to the Trustee. In the event of any such arrangement that permits
      the
      deferment of principal and interest payment on any Mortgage Loan, the Servicer
      shall make Advances on the related Mortgage Loan in accordance with the
      provisions of Section 4.01 during the scheduled period in accordance with the
      amortization schedule of such Mortgage Loan without modification thereof by
      reason of such arrangements. The Servicer shall not be required to institute
      or
      join in litigation with respect to collection of any payment (whether under
      a
      Mortgage, Mortgage Note or otherwise or against any public or governmental
      authority with respect to a taking or condemnation) if it reasonably believes
      that enforcing the provision of the Mortgage or other instrument pursuant to
      which such payment is required is prohibited by applicable law.

     

    (b)  The
      Servicer shall segregate and hold all funds collected and received pursuant
      to a
      Mortgage Loan separate and apart from any of its own funds and general assets
      and shall establish and maintain one or more Collection Accounts, each of which
      shall be an Eligible Account, titled “[Servicer’s name], in trust for the
      Holders of Credit Suisse First Boston Mortgage Securities Corp., Home Equity
      Mortgage Pass-Through Certificates, Series 2006-6” or, if established and
      maintained by a Subservicer on behalf of the Servicer, “[Subservicer’s name], in
      trust for [Servicer’s name]” or “[Subservicer’s name], as agent, trustee and/or
      bailee of principal and interest custodial account for [Servicer’s name], its
      successors and assigns, for various owners of interest in [Servicer’s name]
      mortgage-backed pools”. Any funds deposited in a Collection Account shall at all
      times be either invested in Eligible Investments or shall be fully insured
      to
      the full extent permitted under applicable law. Funds deposited in a Collection
      Account may be drawn on by the Servicer in accordance with Section
      3.08.

     

    The
      Servicer shall deposit in the Collection Account within two Business Days of
      receipt and retain therein, the following collections remitted by Subservicers
      or payments received by the Servicer and payments made by the Servicer
      subsequent to the Cut-off Date, other than Scheduled Payments due on or before
      the Cut-off Date:

     

    (i)  all
      payments on account of principal on the Mortgage Loans, including all Principal
      Prepayments;

     

    (ii)  all
      payments on account of interest on the Mortgage Loans adjusted to the per annum
      rate equal to the Mortgage Rate reduced by the related Servicing Fee
      Rate;

     

    (iii)  all
      Liquidation Proceeds on the Mortgage Loans;

     

    (iv)  all
      Insurance Proceeds on the Mortgage Loans including amounts required to be
      deposited pursuant to Section 3.09 (other than proceeds to be held in the Escrow
      Account and applied to the restoration or repair of the Mortgaged Property
      or
      released to the Mortgagor in accordance with Section 3.09);

     

    (v)  all
      Advances made by the Servicer pursuant to Section 4.01;

     

    (vi)  with
      respect to each Principal Prepayment on the Mortgage Loans, the Compensating
      Interest Payment, if any, for the related Prepayment Period;

     

    (vii)  any
      amounts required to be deposited by the Servicer in respect of net monthly
      income from REO Property pursuant to Section 3.11; and

     

    (viii)  any
      other
      amounts required to be deposited hereunder including all collected Prepayment
      Charges.

     

    The
      foregoing requirements for deposit into each Collection Account shall be
      exclusive, it being understood and agreed that, without limiting the generality
      of the foregoing, Ancillary Income need not be deposited by the Servicer into
      such Collection Account. In addition, notwithstanding the provisions of this
      Section 3.05, the Servicer may deduct from amounts received by it, prior to
      deposit to the applicable Collection Account, any portion of any Scheduled
      Payment representing the applicable Servicing Fee. In the event that the
      Servicer shall remit any amount not required to be remitted, it may at any
      time
      withdraw or direct the institution maintaining the related Collection Account
      to
      withdraw such amount from such Collection Account, any provision herein to
      the
      contrary notwithstanding. Such withdrawal or direction may be accomplished
      by
      delivering written notice thereof to the Trustee or such other institution
      maintaining such Collection Account which describes the amounts deposited in
      error in such Collection Account. The Servicer shall maintain adequate records
      with respect to all withdrawals made by it pursuant to this Section. All funds
      deposited in a Collection Account shall be held in trust for the
      Certificateholders until withdrawn in accordance with Section 3.08.

     

    (c)  On
      or
      prior to the Closing Date, the Trustee shall establish and maintain, on behalf
      of the Certificateholders, the Certificate Account. The Trustee shall, promptly
      upon receipt, deposit in the Certificate Account and retain therein the
      following:

     

    (i)  the
      aggregate amount remitted by the Servicer to the Trustee pursuant to Section
      3.08(viii);

     

    (ii)  any
      amount deposited by the Trustee pursuant to Section 3.05(d) in connection with
      any losses on Eligible Investments; and

     

    (iii)  any
      other
      amounts deposited hereunder which are required to be deposited in the
      Certificate Account.

     

    In
      the
      event that the Servicer shall remit to the Trustee any amount not required
      to be
      remitted, it may at any time direct the Trustee to withdraw such amount from
      the
      Certificate Account, any provision herein to the contrary notwithstanding.
      Such
      direction may be accomplished by delivering an Officer’s Certificate to the
      Trustee which describes the amounts deposited in error in the Certificate
      Account. All funds deposited in the Certificate Account shall be held by the
      Trustee in trust for the Certificateholders until disbursed in accordance with
      this Agreement or withdrawn in accordance with Section 3.08(b). In no event
      shall the Trustee incur liability for withdrawals from the Certificate Account
      at the direction of the Servicer.

     

    (d)  Each
      institution at which a Collection Account, the Certificate Account or the
      Pre-Funding Account is maintained shall either hold such funds on deposit
      uninvested or shall invest the funds therein as directed in writing by the
      Servicer (in the case of a Collection Account), the Trustee (in the case of
      the
      Certificate Account) or the Depositor (in the case of the Pre-Funding Account),
      in Eligible Investments, which shall mature not later than (i) in the case
      of a
      Collection Account, the second Business Day immediately preceding the related
      Distribution Date and (ii) in the case of the Certificate Account and the
      Pre-Funding Account, the Business Day immediately preceding the Distribution
      Date and, in each case, shall not be sold or disposed of prior to its maturity.
      All income and gain net of any losses realized from any such balances or
      investment of funds on deposit in a Collection Account and any other benefit
      arising from the Collection Account shall be for the benefit of the Servicer
      as
      servicing compensation and shall be remitted to it monthly as provided herein.
      The amount of any realized losses in a Collection Account incurred in any such
      account in respect of any such investments shall promptly be deposited by the
      Servicer in the Collection Account. The Trustee in its fiduciary capacity shall
      not be liable for the amount of any loss incurred in respect of any investment
      or lack of investment of funds held in a Collection Account or the Pre-Funding
      Account. All income and gain net of any losses realized from any such investment
      of funds on deposit in the Certificate Account shall be for the benefit of
      the
      Trustee as compensation and shall be remitted to it monthly as provided herein.
      The amount of any realized losses in the Certificate Account incurred in any
      such account in respect of any such investments shall promptly be deposited
      by
      the Trustee in the Certificate Account. All income and gain net of any losses
      realized from any such balances or investment of funds on deposit in the
      Pre-Funding Account shall be for the benefit of the Depositor and shall be
      remitted to it monthly.

     

    (e)  The
      Servicer shall give notice to the Trustee, the Seller, each Rating Agency and
      the Depositor of any proposed change of the location of the Collection Account
      prior to any change thereof. The Trustee shall give notice to the Servicer,
      the
      Seller, each Rating Agency and the Depositor of any proposed change of the
      location of the Certificate Account prior to any change thereof.

     

    (f)  The
      Trustee shall establish and maintain, on behalf of the Certificateholders,
      the
      Pre-Funding Account. On the Closing Date, the Depositor shall remit the
      Pre-Funding Amount to the Trustee, for deposit in the Pre-Funding Account.
      On
      each Subsequent Transfer Date, upon satisfaction of the conditions for such
      Subsequent Transfer Date set forth in Section 2.01(f), with respect to the
      related Subsequent Transfer Agreement, the Trustee shall remit to the Depositor
      the applicable Aggregate Subsequent Transfer Amount as payment of the purchase
      price for the related Subsequent Mortgage Loans.

     

    If
      any
      funds remain in the Pre-Funding Account on March 23, 2007, to the extent they
      represent interest earnings on the amounts originally deposited into the
      Pre-Funding Account, the Trustee shall distribute them to the order of the
      Depositor. The remaining funds in the Pre-Funding Account shall be transferred
      to the Certificate Account to be included as part of principal distributions
      to
      the Certificates, in accordance with the priorities set forth herein, on the
      March 2007 Distribution Date.

     

    (g)  The
      Trustee shall establish and maintain, on behalf of the Certificateholders,
      the
      Capitalized Interest Account. On the Closing Date, the Depositor shall remit
      the
      Capitalized Interest Deposit to the Trustee, for deposit in the Capitalized
      Interest Account. On
      the
      Business Day prior to each of the January 2007, February 2007 and March 2007
      Distribution Dates, the Trustee shall transfer to the Certificate Account from
      the Capitalized Interest Account an amount equal to the Capitalized Interest
      Requirement for such Distribution Date. On
      each
      of the January 2007 and February 2007 Distribution Dates, the Overfunded
      Interest Amount shall be withdrawn from the Capitalized Interest Account and
      paid to the Depositor. Any funds remaining in the Capitalized Interest Account
      immediately after the March 2007 Distribution Date shall be paid to the
      Depositor.

     

    
      	SECTION
              3.06  	
              Establishment
                of and Deposits to Escrow Accounts; Permitted Withdrawals from Escrow
                Accounts; Payments of Taxes, Insurance and Other
                Charges.

            

    

     

    (a)  To
      the
      extent required by the related Mortgage Note and not in violation of current
      law, the Servicer shall segregate and hold all funds collected and received
      pursuant to a Mortgage Loan constituting Escrow Payments separate and apart
      from
      any of its own funds and general assets and shall establish and maintain one
      or
      more Escrow Accounts, each of which shall be an Eligible Account, titled,
“[Servicer’s name], in trust for “Credit Suisse First Boston Mortgage Securities
      Corp., Home Equity Mortgage Pass-Through Certificates, Series 2006-6 and various
      mortgagors” or, if established and maintained by a Subservicer on behalf of the
      related Servicer, “[Subservicer’s name], in trust for [Servicer’s name]” or
“[Subservicer’s name], as agent, trustee and/or bailee of taxes and insurance
      custodial account for [Servicer’s name], its successors and assigns, for various
      owners of interest in [Servicer’s name] mortgage-backed pools”. Funds deposited
      in the Escrow Account may be drawn on by the Servicer in accordance with Section
      3.06(b). All income and gain net of any losses realized from any such balances
      or investment of funds on deposit in an Escrow Account and any other benefit
      arising from the Escrow Account shall be for the benefit of the Servicer as
      servicing compensation and shall be remitted to it monthly as provided herein.
      The creation of any Escrow Account shall be evidenced by a certification in
      the
      form of Exhibit P-1 hereto, in the case of an account established with the
      Servicer, or by a letter agreement in the form of Exhibit P-2 hereto, in the
      case of an account held by a depository other than the Servicer. A copy of
      such
      certification shall be furnished to the Depositor and Trustee.

     

    (b)  The
      Servicer shall deposit in its Escrow Account or Accounts on a daily basis within
      one Business Day of receipt and retain therein:

     

    (i)  all
      Escrow Payments collected on account of the related Mortgage Loans, for the
      purpose of effecting timely payment of any such items as required under the
      terms of this Agreement; and

     

    (ii)  all
      amounts representing Insurance Proceeds which are to be applied to the
      restoration or repair of any Mortgaged Property.

     

    The
      Servicer shall make withdrawals from the Escrow Account only to effect such
      payments as are required under this Agreement, as set forth in Section 3.06(c).
      The Servicer shall be entitled to retain any interest paid on funds deposited
      in
      the related Escrow Account by the depository institution, other than interest
      on
      escrowed funds required by law to be paid to the Mortgagor. To the extent
      required by law, the Servicer shall pay interest on escrowed funds to the
      Mortgagor notwithstanding that the Escrow Account may be non-interest bearing
      or
      that interest paid thereon is insufficient for such purposes.

     

    (c)  Withdrawals
      from the Escrow Account or Accounts may be made by the Servicer
      only:

     

    (i)  to
      effect
      timely payments of ground rents, taxes, assessments, water rates, mortgage
      insurance premiums, condominium charges, fire and hazard insurance premiums
      or
      other items constituting Escrow Payments for the related Mortgage;

     

    (ii)  to
      reimburse the Servicer for any Servicing Advances made by the Servicer pursuant
      to this Agreement with respect to a related Mortgage Loan, but only from amounts
      received on the related Mortgage Loan which represent late collections of Escrow
      Payments thereunder;

     

    (iii)  to
      refund
      to any Mortgagor any funds found to be in excess of the amounts required under
      the terms of the related Mortgage Loan;

     

    (iv)  for
      transfer to the related Collection Account to reduce the principal balance
      of
      the related Mortgage Loan in accordance with the terms of the related Mortgage
      and Mortgage Note;

     

    (v)  for
      application to restore or repair of the related Mortgaged Property in accordance
      with the procedures outlined in Section 3.09;

     

    (vi)  to
      pay to
      the Servicer, or any Mortgagor to the extent required by law, any interest
      paid
      on the funds deposited in such Escrow Account;

     

    (vii)  to
      clear
      and terminate such Escrow Account on the termination of this Agreement;
      and

     

    (viii)  to
      remove
      funds inadvertently placed in the Escrow Account by the Servicer.

     

    
      	SECTION
              3.07  	
              Access
                to Certain Documentation and Information Regarding the Mortgage Loans;
                Inspections.

            

    

     

    (a)  The
      Servicer shall afford the Depositor and the Trustee reasonable access to all
      records and documentation regarding the Mortgage Loans and all accounts,
      insurance information and other matters relating to this Agreement, such access
      being afforded without charge, but only upon reasonable request and during
      normal business hours at the office designated by the Servicer. In addition,
      the
      Servicer shall provide to any Special Servicer reasonable access to all records
      and documentation regarding the Mortgage Loans that become Special Serviced
      Mortgage Loans. The Servicer may, from time to time, provide the Depositor,
      and
      any Person designated by the Depositor, with reports and information regarding
      the Mortgage Loans, including without limitation, information requested by
      the
      Depositor or an originator of the Mortgage Loans for required institutional
      risk
      control.

     

    (b)  If,
      at
      the request of the Seller or the Depositor or otherwise in accordance with
      the
      terms of this Agreement, the Servicer enters into a special servicing advisory
      agreement with a Holder of any Class of Certificates, the Servicer, pursuant
      to
      the terms of any such agreement, may provide such Holder, in its capacity as
      special servicing advisor, with loan-level information with respect to the
      Mortgage Loans. 

     

    (c)  The
      Servicer shall inspect the Mortgaged Properties as often as deemed necessary
      by
      the Servicer in the Servicer’s sole discretion, to assure itself that the value
      of such Mortgaged Property is being preserved. In addition, if any Mortgage
      Loan
      is more than 90 days delinquent, the Servicer shall conduct subsequent
      inspections in accordance with Accepted Servicing Practices or as may be
      required by the primary mortgage guaranty insurer, and obtain a broker price
      opinion. The Servicer shall keep a written or electronic report of each such
      inspection.

     

    
      	SECTION
              3.08  	
              Permitted
                Withdrawals from the Collection Accounts and Certificate
                Account.

            

    

     

    The
      Servicer may (and in the case of clause (viii) below, shall) from time to time
      make withdrawals from the Collection Account for the following
      purposes:

     

    (i)  to
      pay to
      the Servicer (to the extent not previously retained by the Servicer) the
      servicing compensation to which it is entitled pursuant to Section 3.14, and
      to
      pay to the Servicer, as additional servicing compensation, earnings on or
      investment income with respect to funds in or credited to the Collection
      Account;

     

    (ii)  to
      reimburse the Servicer for unreimbursed Advances made by it, such right of
      reimbursement pursuant to this subclause (ii) being limited to amounts received
      on the Mortgage Loan(s) in respect of which any such Advance was made (including
      without limitation, late recoveries of payments, Liquidation Proceeds and
      Insurance Proceeds, amounts representing proceeds of other insurance policies,
      if any, covering the related Mortgaged Property, rental and other income from
      REO Property and proceeds of any purchase or repurchase of the related Mortgage
      Loan to the extent deposited in the Collection Account);

     

    (iii)  to
      reimburse the Servicer for any Nonrecoverable Advance previously made from
      collections or proceeds of any of the Mortgage Loans;

     

    (iv)  to
      reimburse the Servicer for (A) unreimbursed Servicing Advances, the Servicer’s
      right to reimbursement pursuant to this clause (A) with respect to any Mortgage
      Loan being limited to amounts received on such Mortgage Loan which represent
      late payments of principal and/or interest (including, without limitation,
      Liquidation Proceeds and Insurance Proceeds, amounts representing proceeds
      of
      other insurance policies, if any, covering the related Mortgaged Property,
      rental and other income from REO Property and proceeds of any purchase or
      repurchase of the related Mortgage Loan with respect to such Mortgage Loan)
      respecting which any such advance was made and (B) for unpaid Servicing Fees
      as
      provided in Section 3.11 hereof;

     

    (v)  to
      pay to
      the purchaser, with respect to each Mortgage Loan or property acquired in
      respect thereof that has been purchased pursuant to Section 2.02, 2.03 or 3.11,
      all amounts received thereon after the date of such purchase;

     

    (vi)  to
      reimburse the Servicer or the Depositor for expenses incurred by any of them
      and
      reimbursable pursuant to Section 6.03 hereof;

     

    (vii)  to
      withdraw any amount deposited in such Collection Account and not required to
      be
      deposited therein;

     

    (viii)  on
      or
      prior to the Servicer Cash Remittance Date, to withdraw an amount equal to
      the
      Available Funds (other than clause (vi) thereof) plus any related Expense Fees
      (other than the Servicing Fee) for such Distribution Date and any Prepayment
      Charges received in respect of the Mortgage Loans, subject to the collection
      of
      funds included in the definition of “Available Funds” and remit such amount to
      the Trustee for deposit in the Certificate Account;

     

    (ix)  to
      pay
      itself any Prepayment Interest Excess; provided that in accordance with the
      definition of “Prepayment Interest Excess,” the Servicer shall only be entitled
      to Prepayment Interest Excess with respect to any Mortgage Loan and any
      Distribution Date if the related Principal Prepayment in full is deposited
      to
      the Collection Account pursuant to Section 3.05(b)(i) hereof in the same month
      as such Principal Prepayment in full is made, to be included with distributions
      on such Distribution Date;

     

    (x)  to
      clear
      and terminate such Collection Account upon termination of this Agreement
      pursuant to Section 9.01 hereof; 

     

    (xi)  to
      invest
      funds in certain Eligible Investments and to transfer funds to another Eligible
      Account; 

     

    (xii)  to
      reimburse the Servicer for any unpaid Servicing Fees to which the Servicer
      is
      entitled under this Agreement, including (A) in connection with the termination
      of the obligations of such Servicer and (B) any accrued and unpaid Servicing
      Fees at the time a Mortgage Loan becomes a Charged Off Loan; and

     

    (xiii)  to
      reimburse the Servicer for any Capitalization Reimbursement Amount not
      previously reimbursed.

     

    The
      Servicer shall keep and maintain separate accounting, on a Mortgage Loan basis
      for the purpose of justifying any withdrawal from the Collection Account
      pursuant to such subclauses (i), (ii), (iv) and (v). Prior to making any
      withdrawal from the Collection Account pursuant to subclause (iii), the Servicer
      shall deliver to the Trustee a certificate of a Servicing Officer indicating
      the
      amount of any previous Advance determined by the Servicer to be a Nonrecoverable
      Advance and identifying the related Mortgage Loans(s), and their respective
      portions of such Nonrecoverable Advance. 

     

    The
      Trustee shall withdraw funds from the Certificate Account for distributions
      to
      the Certificateholders and the Credit Risk Manager, if applicable, in the manner
      specified in this Agreement (and to withhold from the amounts so withdrawn,
      the
      amount of any taxes that it is authorized to withhold pursuant to the last
      paragraph of Section 8.11). In addition, the Trustee may from time to time
      make
      withdrawals from the Certificate Account for the following
      purposes:

     

    (i)  to
      pay to
      itself the Trustee Fee and any investment income earned for the related
      Distribution Date;

     

    (ii)  to
      withdraw and return to the Servicer for deposit to the Collection Account any
      amount deposited in the Certificate Account and not required to be deposited
      therein; and

     

    (iii)  to
      clear
      and terminate the Certificate Account upon termination of this Agreement
      pursuant to Section 9.01 hereof.

     

    
      	SECTION
              3.09  	
              Maintenance
                of Hazard Insurance and Mortgage Impairment Insurance; Claims; Restoration
                of Mortgaged Property.

            

    

     

    The
      Servicer shall obtain and maintain a blanket policy insuring against losses
      arising from fire and hazards covered under extended coverage on all of the
      related Mortgage Loans, which policy shall provide coverage in an amount equal
      to the amount at least equal to the lesser of (i) the maximum insurable value
      of
      the improvements securing such Mortgage Loan and (ii) the greater of (A) the
      outstanding principal balance of the Mortgage Loan and (B) an amount such that
      the proceeds of such policy shall be sufficient to prevent the Mortgagor and/or
      the mortgagee from becoming co-insurer. Any amounts collected by the Servicer
      under any such policy relating to a Mortgage Loan (for the avoidance of doubt,
      remaining after application of any such amounts to any related First Mortgage
      Loan) shall be deposited in the related Collection Account subject to withdrawal
      pursuant to Section 3.08. Such policy may contain a deductible clause, in which
      case, in the event that there shall not have been maintained on the related
      Mortgaged Property a standard hazard insurance policy, and there shall have
      been
      a loss which would have been covered by such policy, the Servicer shall deposit
      in the related Collection Account at the time of such loss the amount not
      otherwise payable under the blanket policy because of such deductible clause
      which is in excess of a deductible under a standard hazard insurance policy,
      such amount to be deposited from the Servicer’s funds, without reimbursement
      therefor. Upon request of the Trustee, the Servicer shall cause to be delivered
      to the Trustee a certified true copy of such policy and a statement from the
      insurer thereunder that such policy shall in no event be terminated or
      materially modified without 30 days’ prior written notice to the Trustee. In
      connection with its activities as Servicer of the Mortgage Loans, the Servicer
      agrees to present, on behalf of itself, the Depositor, and the Trustee for
      the
      benefit of the Certificateholders, claims under any such blanket
      policy.

     

    Pursuant
      to Section 3.05, any amounts collected by the Servicer under any such policies
      (other than amounts to be deposited in the related Escrow Account and applied
      to
      the restoration or repair of the related Mortgaged Property, or property
      acquired in liquidation of the Mortgage Loan, or to be released to the
      Mortgagor, in accordance with the Servicer’s normal servicing procedures) shall
      be deposited in the Collection Account (subject to withdrawal pursuant to
      Section 3.08). Any costs incurred by the Servicer in maintaining such insurance
      shall be recoverable by the Servicer as a Servicing Advance out of payments
      by
      the related Mortgagor or out of Insurance Proceeds or Liquidation Proceeds.
      Notwithstanding anything to the contrary in this paragraph, the Servicer shall
      be required to pay the costs of maintaining any insurance contemplated by this
      Section 3.09 only to the extent that such advances, in the good faith judgment
      of the Servicer, will be recoverable.

     

    The
      Servicer need not obtain the approval of the Trustee prior to releasing any
      Insurance Proceeds to the Mortgagor to be applied to the restoration or repair
      of the Mortgaged Property if such release is in accordance with Accepted
      Servicing Practices. At a minimum, the Servicer shall comply with the following
      conditions in connection with any such release of Insurance Proceeds in excess
      of $10,000:

     

    (i)  the
      Servicer shall receive satisfactory independent verification of completion
      of
      repairs and issuance of any required approvals with respect
      thereto;

     

    (ii)  the
      Servicer shall take all steps necessary to preserve the priority of the lien
      of
      the Mortgage, including, but not limited to requiring waivers with respect
      to
      mechanics’ and materialmen’s liens; and

     

    (iii)  pending
      repairs or restoration, the Servicer shall place the Insurance Proceeds in
      the
      related Escrow Account, if any.

     

    If
      the
      Trustee is named as an additional loss payee, the Servicer is hereby empowered
      to endorse any loss draft issued in respect of such a claim in the name of
      the
      Trustee.

     

    
      	SECTION
              3.10  	
              Enforcement
                of Due-on-Sale Clauses; Assumption
                Agreements.

            

    

     

    The
      Servicer shall use its best efforts to enforce any “due-on-sale” provision
      contained in any related Mortgage or Mortgage Note and to deny assumption by
      the
      person to whom the Mortgaged Property has been or is about to be sold whether
      by
      absolute conveyance or by contract of sale, and whether or not the Mortgagor
      remains liable on the Mortgage and the Mortgage Note. When the Mortgaged
      Property has been conveyed by the Mortgagor, the Servicer shall, to the extent
      it has knowledge of such conveyance, exercise its rights to accelerate the
      maturity of such Mortgage Loan under the “due-on-sale” clause applicable
      thereto, provided, however, that the Servicer shall not exercise such rights
      if
      prohibited by law from doing so or if the exercise of such rights would impair
      or threaten to impair any recovery under the related Primary Insurance Policy,
      if any or, if consistent with Accepted Servicing Practices, such Servicer
      believes the collections and other recoveries in respect of such Mortgage Loans
      could reasonably be expected to be maximized if the Mortgage Loan were not
      accelerated.

     

    If
      the
      Servicer reasonably believes it is unable under applicable law to enforce such
      “due-on-sale” clause or, if any of the other conditions set forth in the last
      sentence of the preceding paragraph apply, the Servicer shall enter into (i)
      an
      assumption and modification agreement with the person to whom such property
      has
      been conveyed, pursuant to which such person becomes liable under the Mortgage
      Note and the original Mortgagor remains liable thereon or (ii) in the event
      the
      Servicer is unable under applicable law to require that the original Mortgagor
      remain liable under the Mortgage Note and the Servicer has the prior consent
      of
      the primary mortgage guaranty insurer, a substitution of liability agreement
      with the purchaser of the Mortgaged Property pursuant to which the original
      Mortgagor is released from liability and the purchaser of the Mortgaged Property
      is substituted as Mortgagor and becomes liable under the Mortgage Note.
      Notwithstanding the foregoing, the Servicer shall not be deemed to be in default
      under this Section by reason of any transfer or assumption which the Servicer
      reasonably believes it is restricted by law from preventing, for any reason
      whatsoever. In connection with any such assumption, no material term of the
      Mortgage Note, including without limitation, the Mortgage Rate borne by the
      related Mortgage Note, the term of the Mortgage Loan or the outstanding
      principal amount of the Mortgage Loan shall be changed.

     

    Subject
      to the Servicer’s duty to enforce any due-on-sale clause to the extent set forth
      in this Section 3.10, in any case in which a Mortgaged Property has been
      conveyed to a Person by a Mortgagor, and such Person is to enter into an
      assumption agreement or modification agreement or supplement to the Mortgage
      Note or Mortgage that 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 Servicer shall prepare and deliver or cause
      to be prepared and delivered to the Trustee for signature and shall direct,
      in
      writing, the Trustee to execute 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. In connection with any such
      assumption, no material term of the Mortgage Note may be changed. Together
      with
      each such substitution, assumption or other agreement or instrument delivered
      to
      the Trustee for execution by it, the Servicer shall deliver an Officer’s
      Certificate signed by a Servicing Officer stating that the requirements of
      this
      Section 3.10 have been met in connection therewith. The Servicer shall notify
      the Trustee that any such substitution or assumption agreement has been
      completed by forwarding to the Trustee the original of such substitution or
      assumption agreement, which in the case of the original shall be added to the
      related Mortgage File and shall, for all purposes, be considered a part of
      such
      Mortgage File to the same extent as all other documents and instruments
      constituting a part thereof. Any fee collected by the Servicer for entering
      into
      an assumption, modification or substitution of liability agreement will be
      retained by the Servicer as additional servicing compensation.

     

    
      	SECTION
              3.11  	
              Realization
                Upon Defaulted Mortgage Loans; Repurchase of Certain Mortgage
                Loans.

            

    

     

    (a)  (i)The
      Servicer shall use reasonable efforts to foreclose upon or otherwise comparably
      convert the ownership of properties securing such of the related Mortgage Loans
      as come into and continue in default and as to which no satisfactory
      arrangements can be made for collection of delinquent payments. With respect
      to
      such of the Mortgage Loans as come into and continue in default, the Servicer
      will decide whether to (i) foreclose upon the Mortgaged Properties securing
      such
      Mortgage Loans, (ii) write off the unpaid principal balance of the Mortgage
      Loans as bad debt, (iii) take a deed in lieu of foreclosure, (iv) accept 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 permit 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), (v) arrange for a repayment plan, or (vi) agree to a modification
      in
      accordance with this Agreement. In connection with such decision, the Servicer
      shall take such action as (i) the Servicer would take under similar
      circumstances with respect to a similar mortgage loan held for its own account
      for investment, (ii) shall be consistent with Accepted Servicing Practices,
      (iii) the Servicer shall determine consistently with Accepted Servicing
      Practices to be in the best interest of the Trustee and Certificateholders,
      provided, that actions taken by the Servicer in connection with its servicing
      of
      the related First Mortgage Loan shall not be considered relevant to a
      determination of whether the Servicer has met the standard set forth in this
      clause (iii), so long as in the Servicer’s determination such action is not
      materially adverse to the interests of the Certificateholders and (iv) is
      consistent with the requirements of the insurer under any Required Insurance
      Policy; provided, however, that such Servicer shall not be required to expend
      its own funds in connection with any foreclosure or towards the restoration
      of
      any property unless it shall determine in its sole discretion (i) that such
      restoration and/or foreclosure will increase the proceeds of liquidation of
      the
      related Mortgage Loan after reimbursement to itself of such expenses and (ii)
      that such expenses will be recoverable to it through Liquidation Proceeds
      (respecting which it shall have priority for purposes of withdrawals from the
      Collection Account). The Servicer shall be responsible for all other costs
      and
      expenses incurred by it in any such proceedings; provided, however, that it
      shall be entitled to reimbursement thereof from the liquidation proceeds with
      respect to the related Mortgaged Property, as provided in the definition of
      Liquidation Proceeds and as provided in Section 3.08(iv)(A).

     

    (ii)  Notwithstanding
      anything to the contrary contained in this Agreement, with respect to any
      Mortgage Loan that is ninety (90) days delinquent, the Servicer shall have
      obtained or shall obtain a broker’s price opinion with respect to the related
      Mortgaged Property and shall use all reasonable efforts to obtain a total
      indebtedness balance (including, but not limited to, unpaid principal, interest,
      escrows, taxes and expenses) for any related senior lien. The cost of obtaining
      any such broker’s price opinion shall be reimbursable to the Servicer as a
      Servicing Advance pursuant to Section 3.08(iii) or (iv). After obtaining the
      related broker’s price opinion, the related Servicer will determine whether any
      Significant Net Recovery is possible through foreclosure proceedings or other
      liquidation of the related Mortgaged Property. If the Servicer determines that
      (x) no Significant Net Recovery is possible or (y) the potential Net Recoveries
      are anticipated to be an amount, determined by the Servicer in its good faith
      judgment and in light of other mitigating circumstances, that is insufficient
      to
      warrant proceeding through foreclosure or other liquidation of the related
      Mortgaged Property, it may, at its discretion, charge off such delinquent
      Mortgage Loan in accordance with subsections (a)(iii) and (a)(iv) below.

     

    (iii)  With
      respect to any Mortgage Loan, if the Servicer determines based on the broker’s
      price opinion obtained under paragraph (a)(ii) above and other relevant
      considerations that (x) no Significant Net Recovery is possible through
      foreclosure proceedings or other liquidation of the related Mortgaged Property
      or (y) the potential Net Recoveries are anticipated to be an amount, determined
      by the related Servicer in its good faith judgment and in light of other
      mitigating circumstances, that is insufficient to warrant proceeding through
      foreclosure or other liquidation of the related Mortgaged Property, it will
      be
      obligated to charge off the related Mortgage Loan at the time such Mortgage
      Loan
      becomes 180 days delinquent. Once a Mortgage Loan has been charged off, the
      Servicer will discontinue making Advances, the Servicer will not be entitled
      to
      any additional servicing compensation (except as described in paragraphs(a)(ii)
      or (a)(iv) of this Section 3.11), the Charged Off Loan will give rise to a
      Realized Loss, and the Servicer will follow the procedures described in
      paragraph (a)(iv) below. If the Servicer determines that (x) a Significant
      Net
      Recovery is possible through foreclosure proceedings or other liquidation of
      the
      Mortgaged Property and (y) the potential Net Recoveries are anticipated to
      be an
      amount, determined by the Servicer in its good faith judgment and in light
      of
      other mitigating circumstances, that is sufficient to warrant proceeding through
      foreclosure or other liquidation of the related Mortgaged Property, the Servicer
      may continue to make Advances or Servicing Advances on the related Mortgage
      Loan
      that has become 180 days delinquent and, will notify the Credit Risk Manager
      of
      that decision.

     

    (iv)  Any
      Mortgage Loan that becomes a Charged Off Loan may continue to be serviced by
      the
      Servicer for the Certificateholders Special Servicing. The Servicer, will
      accrue, but not be entitled to, any Servicing Fees and reimbursement of expenses
      in connection with such Charged Off Loans serviced
      using Special Servicing,
      except
      to the extent of funds available from the aggregate amount of recoveries on
      all
      Charged Off Loans serviced using Special Servicing. Such aggregate recovery
      amounts on the Mortgage Loans that are Charged Off Loans shall be paid to the
      Servicer, first, as reimbursement of any outstanding and unpaid expenses, and
      second, as any accrued and unpaid Servicing Fees. The Servicer will only be
      entitled to previously accrued Servicing Fees and expenses on any such Charged
      Off Loans that are serviced using Special Servicing. The Servicer will not
      be
      entitled to receive any future unaccrued Servicing Fees or expenses from
      collections on such related Charged Off Loans. Any Charged Off Loan serviced
      by
      the Servicer using Special Servicing shall be so serviced until the Release
      Date
      described below. Any Net Recoveries on such Charged Off Loans received prior
      to
      the Release Date will be included in Available Funds. 

     

    On
      the
      date (the “Release Date”) which is no more than six months after the date on
      which the Servicer begins servicing any Charged Off Loans using Special
      Servicing unless specific Net Recoveries are anticipated by the Servicer on
      a
      particular Charged Off Loan (in which case the Release Date will be delayed
      until all such specific anticipated Net Recoveries are received), such Charged
      Off Loan will be released from the Trust Fund, will no longer be an asset of
      any
      REMIC, and will be transferred to the Class X-2 Certificateholders, without
      recourse, and thereafter (i) those Holders (as identified with contact
      information in writing to the Servicer by the Depositor) will be entitled to
      any
      amounts subsequently received in respect of any such Released Loans, subject
      to
      the Servicer’s fees described below, (ii) the Majority in Interest Class X-2
      Certificateholder may designate any servicer to service any such Released Loan
      subject to the Servicer’s fees described below, (iii) the Majority in Interest
      Class X-2 Certificateholder may sell any such Released Loan to a third party
      and
      (iv) to the extent the servicing of such Released Loan is not transferred from
      the Servicer, the servicing of such Charged Off Loans and the fees therefor
      shall be governed by the most current servicing agreement between the Servicer
      and the Seller. Notwithstanding the previous sentence, if at any time after
      a
      Mortgage Loan has been Charged Off and prior to six months after the date on
      which the Servicer begins servicing such Charged Off Loan using Special
      Servicing, the Servicer determines that there will not be any Net Recoveries
      on
      such Charged Off Loan under any circumstances, the Servicer may release such
      Charged Off Loan to the Majority in Interest Class X-2 Certificateholder in
      accordance with the provisions set forth in the previous sentence.

     

    Notwithstanding
      the foregoing, the procedures described above in this subsection 3.11(a)(iv)
      relating to the treatment of Charged Off Loans may be modified at any time
      at
      the discretion of the Majority in Interest Class X-1 Certificateholder, with
      the
      consent of the Servicer which consents shall not be unreasonably withheld;
      provided, however, that in no event shall the Majority in Interest Class X-1
      Certificateholder change the fee structure relating to Charged Off Loans in
      a
      manner that would cause fees to be paid to the Servicer other than from
      recoveries on Charged Off Loans.

     

    The
      Trustee shall track collections received by the Servicer on any Charged Off
      Loans based upon loan level data provided to the Trustee by the Servicer on
      each
      Servicer Data Remittance Date in a report in the form of Exhibit U hereto,
      identifying the Charged Off Loans as of the related Due Period that the Servicer
      will continue to service until the related Release Date using Special Servicing.
      On each Distribution Date, the Trustee shall verify, based on the recovery
      and
      expense information provided by the Servicer on the related Servicer Data
      Remittance Date, (i) the aggregate amount of accrued and unpaid Servicing Fees
      to be paid to the Servicer and expenses to be reimbursed to the Servicer, on
      such Charged Off Loans as of the related Due Period and (ii) the amount of
      Net
      Recoveries on such Charged Off Loans for such Distribution Date. The Trustee
      shall be entitled to rely, without independent verification, on the loan level
      data provided by the Servicer that identifies the recovery amounts and the
      outstanding and unpaid expenses on any Charged Off Loan in order to verify
      the
      amount in clause (ii) of the previous sentence. The Trustee will be responsible
      for independently verifying the aggregate amount of accrued and unpaid Servicing
      Fees described in clause (i) of the second preceding sentence to be paid to
      the
      Servicer.

     

    (v)  Notwithstanding
      anything to the contrary contained in this Agreement, in connection with a
      foreclosure or acceptance of a deed in lieu of foreclosure, in the event the
      Servicer has reasonable cause to believe that a Mortgaged Property is
      contaminated by hazardous or toxic substances or wastes, or if the Trustee
      otherwise requests, an environmental inspection or review of such Mortgaged
      Property conducted by a qualified inspector shall be arranged for by the
      Servicer. Upon completion of the inspection, the Servicer shall promptly provide
      the Trustee with a written report of environmental inspection. It is understood
      by the parties hereto that any cost related to such inspection shall be advanced
      by the Servicer and will be deemed a Servicing Advance in accordance with the
      provisions of Section 3.08 hereof.

     

    (vi)  In
      the
      event the environmental inspection report indicates that the Mortgaged Property
      is contaminated by hazardous or toxic substances or wastes, the Servicer shall
      not proceed with foreclosure or acceptance of a deed in lieu of foreclosure
      if
      the estimated costs of the environmental clean up, as estimated in the
      environmental inspection report, together with the Servicing Advances made
      by
the
      Servicer
      and the estimated costs of foreclosure or acceptance of a deed in lieu of
      foreclosure exceeds the estimated value of the Mortgaged Property. If however,
      the aggregate of such clean up and foreclosure costs and Servicing Advances
      are
      less than or equal to the estimated value of the Mortgaged Property, then the
      Servicer may, in its reasonable judgment and in accordance with Accepted
      Servicing Practices, choose to proceed with foreclosure or acceptance of a
      deed
      in lieu of foreclosure and the Servicer shall be reimbursed for all reasonable
      costs associated with such foreclosure or acceptance of a deed in lieu of
      foreclosure and any related environmental clean up costs, as applicable, from
      the related Liquidation Proceeds, or if the Liquidation Proceeds are
      insufficient to fully reimburse the Servicer, the Servicer shall be entitled
      to
      be reimbursed from amounts in the Collection Account pursuant to Section 3.08
      hereof. In the event the Servicer does not proceed with foreclosure or
      acceptance of a deed in lieu of foreclosure pursuant to the first sentence
      of
      this paragraph, the Servicer shall be reimbursed for all Servicing Advances
      made
      with respect to the related Mortgaged Property from the Collection Account
      pursuant to Section 3.08 hereof, the Servicer shall have no further obligation
      to service such Mortgage Loan under the provisions of this
      Agreement.

     

    (b)  With
      respect to any REO Property, the deed or certificate of sale shall be taken
      in
      the name of U.S. Bank National Association (or in the case of a successor
      trustee, the name of such successor trustee), the Trustee for the benefit of
      the
      Certificateholders of Home Equity Mortgage Trust Series 2006-6, or its nominee,
      on behalf of the Certificateholders. The Trustee’s name shall be placed on the
      title to such REO Property solely as the Trustee hereunder and not in its
      individual capacity. Pursuant to its efforts to sell such REO Property, the
      Servicer shall in accordance with Accepted Servicing Practices manage, conserve,
      protect and operate each REO Property for the purpose of its prompt disposition
      and sale. The Servicer, either itself or through an agent selected by the
      Servicer, shall manage, conserve, protect and operate the REO Property in the
      same manner that it manages, conserves, protects and operates other foreclosed
      property for its own account, and in the same manner that similar property
      in
      the same locality as the REO Property is managed. The Servicer may rent such
      property, as the Servicer deems to be in the best interest of the Trustee and
      the Certificateholders for the period prior to the sale of such REO Property
      on
      such terms and conditions and for such periods as the Servicer deems to be
      in
      the best interest of the Trustee and the Certificateholders. The Servicer shall
      furnish to the Trustee on or before each Distribution Date a statement with
      respect to any REO Property covering the liquidation thereof during the previous
      calendar month. That statement shall be accompanied by such other information
      as
      the Trustee shall reasonably request and which is necessary to enable the
      Trustee to comply with the reporting requirements of the REMIC Provisions.
      The
      net monthly rental income, if any, from such REO Property shall be deposited
      in
      the Collection Account no later than the close of business on each Determination
      Date. The Servicer shall perform the tax reporting and withholding required
      by
      Sections 1445 and 6050J of the Code with respect to foreclosures and
      abandonments, the tax reporting required by Section 6050H of the Code with
      respect to the receipt of mortgage interest from individuals and any tax
      reporting required by Section 6050P of the Code with respect to the cancellation
      of indebtedness by certain financial entities, by preparing such tax and
      information returns as may be required, in the form required, and delivering
      the
      same to the Trustee for filing. 

     

    To
      the
      extent consistent with Accepted Servicing Practices, the Servicer shall also
      maintain on each REO Property fire and hazard insurance with extended coverage
      in amount which is equal to the outstanding principal balance of the related
      Mortgage Loan (as reduced by any amount applied as a reduction of principal
      at
      the time of acquisition of the REO Property), liability insurance and, to the
      extent required and available under the Flood Disaster Protection Act of 1973,
      as amended, flood insurance in the amount required above. Any costs incurred
      by
      the Servicer in maintaining such insurance shall be recoverable by the Servicer
      as a Servicing Advance out of payments by the related Mortgagor or out of
      Insurance Proceeds or Liquidation Proceeds. Notwithstanding anything to the
      contrary in this paragraph, the Servicer shall be required to pay the costs
      of
      maintaining any insurance contemplated by this Section 3.11(b) only to the
      extent that such advances, in the good faith judgment of the Servicer, will
      be
      recoverable.

     

    (c)  In
      the
      event that the Trust Fund acquires any Mortgaged Property as aforesaid or
      otherwise in connection with a default or imminent default on a Mortgage Loan,
      the Servicer shall dispose of such Mortgaged Property prior to three years
      after
      the end of the calendar year of its acquisition by the Trust Fund unless (i)
      the
      Trustee shall have been supplied with an Opinion of Counsel to the effect that
      the holding by the Trust Fund of such Mortgaged Property subsequent to such
      three-year period will not result in the imposition of taxes on “prohibited
      transactions” of any REMIC hereunder as defined in section 860F of the Code or
      cause any REMIC hereunder to fail to qualify as a REMIC at any time that any
      Certificates are outstanding, in which case the Trust Fund may continue to
      hold
      such Mortgaged Property (subject to any conditions contained in such Opinion
      of
      Counsel) or (ii) the applicable Servicer shall have applied for, prior to the
      expiration of such three-year period, an extension of such three-year period
      in
      the manner contemplated by Section 856(e)(3) of the Code, in which case the
      three-year period shall be extended by the applicable extension period. The
      Servicer shall be entitled to be reimbursed from the Collection Account, as
      a
      Servicing Advance, for any costs incurred in obtaining such Opinion of Counsel.
      Notwithstanding any other provision of this Agreement, no Mortgaged Property
      acquired by the Trust Fund shall be rented (or allowed to continue to be rented)
      or otherwise used for the production of income by or on behalf of the Trust
      Fund
      in such a manner or pursuant to any terms that would (i) cause such Mortgaged
      Property to fail to qualify as “foreclosure property” within the meaning of
      section 860G(a)(8) of the Code or (ii) subject any REMIC hereunder to the
      imposition of any federal, state or local income taxes on the income earned
      from
      such Mortgaged Property under Section 860G(c) of the Code or otherwise, unless
      the Servicer has agreed to indemnify and hold harmless the Trust Fund with
      respect to the imposition of any such taxes.

     

    In
      the
      event of a default on a Mortgage Loan one or more of whose obligor is not a
      United States Person, as that term is defined in Section 7701(a)(30) of the
      Code, in connection with any foreclosure or acquisition of a deed in lieu of
      foreclosure (together, “foreclosure”) in respect of such Mortgage Loan, the
      related 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 the Mortgage Loan.

     

    (d)  The
      income earned from the management of any REO Properties, net of reimbursement
      to
      the Servicer for expenses incurred (including any property or other taxes)
      in
      connection with such management and net of applicable accrued and unpaid
      Servicing Fees, and unreimbursed Advances and Servicing Advances, shall be
      applied to the payment of principal and interest on the related defaulted
      Mortgage Loans (with interest accruing as though such Mortgage Loans were still
      current) and all such income shall be deemed, for all purposes in this
      Agreement, to be payments on account of principal and interest on the related
      Mortgage Notes and shall be deposited into the Collection Account. To the extent
      the net income received during any calendar month is in excess of the amount
      attributable to amortizing principal and accrued interest at the related
      Mortgage Rate on the related Mortgage Loan for such calendar month, such excess
      shall be considered to be a partial prepayment of principal of the related
      Mortgage Loan.

     

    (e)  The
      proceeds from any liquidation of a Mortgage Loan, as well as any income from
      an
      REO Property, if applicable, will be applied in the following order of priority:
      first, to reimburse the Servicer for any related unreimbursed Servicing Advances
      and Servicing Fees; second, to reimburse the Servicer for any unreimbursed
      Advances; third, to reimburse the Collection Account for any Nonrecoverable
      Advances (or portions thereof) that were previously withdrawn by the Servicer
      pursuant to Section 3.08(iii) that related to such Mortgage Loan; fourth, to
      accrued and unpaid interest (to the extent no Advance has been made for such
      amount or any such Advance has been reimbursed) on the Mortgage Loan or related
      REO Property, at the per annum rate equal to the related Mortgage Rate reduced
      by the related Servicing Fee Rate, to the Due Date occurring in the month in
      which such amounts are required to be distributed; and fifth, as a recovery
      of
      principal of the Mortgage Loan. Excess proceeds, if any, from the liquidation
      of
      a Liquidated Mortgage Loan will be retained by the Servicer as additional
      servicing compensation pursuant to Section 3.14. 

     

    
      	SECTION
              3.12  	
              Trustee
                to Cooperate; Release of Mortgage
                Files.

            

    

     

    Upon
      the
      payment in full of any Mortgage Loan, or the receipt by the Servicer of a
      notification that payment in full will be escrowed in a manner customary for
      such purposes, the Servicer will immediately notify the Trustee (or the
      Custodian, as the case may be) by delivering, or causing to be delivered a
      “Request for Release” substantially in the form of Exhibit M. Upon receipt of
      such request, the Trustee (or the Custodian, as the case may be) shall within
      three Business Days release the related Mortgage File to the Servicer, and
      the
      Trustee shall within three Business Days of the Servicer’s direction execute and
      deliver to the Servicer the request for reconveyance, deed of reconveyance
      or
      release or satisfaction of mortgage or such instrument releasing the lien of
      the
      Mortgage in each case provided by the Servicer, together with the Mortgage
      Note
      with written evidence of cancellation thereon. The Servicer is authorized to
      cause the removal from the registration on the MERS® System of such Mortgage, if
      applicable, 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. Expenses incurred in connection
      with
      any instrument of satisfaction or deed of reconveyance shall be chargeable
      to
      the related Mortgagor to the extent permitted by law and otherwise shall
      constitute a Servicing Advance. From time to time and as shall be appropriate
      for the servicing or foreclosure of any Mortgage Loan, including for such
      purpose, collection under any policy of flood insurance, any fidelity bond
      or
      errors or omissions policy, or for the purposes of effecting a partial release
      of any Mortgaged Property from the lien of the Mortgage or the making of any
      corrections to the Mortgage Note or the Mortgage or any of the other documents
      included in the Mortgage File, the Trustee shall, within three Business Days
      of
      delivery to the Trustee (or the Custodian, as the case may be) of a Request
      for
      Release in the form of Exhibit M signed by a Servicing Officer, release the
      Mortgage File to the Servicer. Subject to the further limitations set forth
      below, the Servicer shall cause the Mortgage File or documents so released
      to be
      returned to the Trustee (or the Custodian, as the case may be) when the need
      therefor by the Servicer no longer exists, unless the Mortgage Loan is
      liquidated and the proceeds thereof are deposited in the Collection Account,
      in
      which case the Servicer shall deliver to the Trustee (or the Custodian, as
      the
      case may be) a Request for Release in the form of Exhibit M, signed by a
      Servicing Officer.

     

    If
      the
      Servicer at any time seeks to initiate a foreclosure proceeding in respect
      of
      any Mortgaged Property as authorized by this Agreement, the Servicer shall,
      if
      applicable, deliver or cause to be delivered to the Trustee, for signature,
      as
      appropriate, any court pleadings, requests for trustee’s sale or other documents
      (which, if acceptable by the related court, may be copies) necessary to
      effectuate such foreclosure or any legal action brought to obtain judgment
      against the Mortgagor on the Mortgage Note or the Mortgage or to obtain a
      deficiency judgment or to enforce any other remedies or rights provided by
      the
      Mortgage Note or the Mortgage or otherwise available at law or in
      equity.

     

    
      	SECTION
              3.13  	
              Documents,
                Records and Funds in Possession of the Servicer to be Held for the
                Trustee.

            

    

     

    Notwithstanding
      any other provisions of this Agreement, the Servicer shall transmit to the
      Trustee as required by this Agreement all documents and instruments in respect
      of a Mortgage Loan coming into the possession of the Servicer from time to
      time
      required to be delivered to the Trustee pursuant to the terms hereof and shall
      account fully to the Trustee for any funds received by the Servicer or which
      otherwise are collected by the Servicer as Liquidation Proceeds or Insurance
      Proceeds in respect of any Mortgage Loan. All Mortgage Files and funds collected
      or held by, or under the control of, the Servicer in respect of any Mortgage
      Loans, whether from the collection of principal and interest payments or from
      Liquidation Proceeds, including but not limited to, any funds on deposit in
      a
      Collection Account, shall be held by the Servicer for and on behalf of the
      Trustee and shall be and remain the sole and exclusive property of the Trustee,
      subject to the applicable provisions of this Agreement. The Servicer also agrees
      that it shall not create, incur or subject any Mortgage File or any funds that
      are deposited in the Collection Account, Certificate Account or any related
      Escrow Account, or any funds that otherwise are or may become due or payable
      to
      the Trustee for the benefit of the Certificateholders, to any claim, lien (other
      than the lien of a related First Mortgage Loan), security interest, judgment,
      levy, writ of attachment or other encumbrance, or assert by legal action or
      otherwise any claim or right of setoff against any Mortgage File or any funds
      collected on, or in connection with, a Mortgage Loan, except, however, that
      the
      Servicer shall be entitled to set off against and deduct from any such funds
      any
      amounts that are properly due and payable to the Servicer under this
      Agreement.

     

    
      	SECTION
              3.14  	
              Servicing
                Fee.

            

    

     

    As
      compensation for its services hereunder, the Servicer shall be entitled to
      withdraw from the Collection Account or to retain from interest payments on
      the
      related Mortgage Loans the amount of its Servicing Fee for each Mortgage Loan,
      less any amounts in respect of its Servicing Fee payable by the Servicer
      pursuant to Section 3.05(b)(vi). The Servicing Fee is limited to, and payable
      solely from, the interest portion of such Scheduled Payments collected by the
      Servicer or as otherwise provided in Section 3.08.

     

    Additional
      servicing compensation in the form of Ancillary Income, Prepayment Interest
      Excess and any excess proceeds upon the liquidation of a Mortgaged Property
      (to
      the extent not required to be remitted to the related Mortgagor) shall be
      retained by the Servicer. The Servicer shall be required to pay all expenses
      incurred by it in connection with its servicing activities hereunder (including
      the payment of any expenses incurred in connection with any Subservicing
      Agreement entered into pursuant to Section 3.02) and shall not be entitled
      to
      reimbursement thereof except as specifically provided for in this
      Agreement.

     

    
      	SECTION
              3.15  	
              Access
                to Certain Documentation.

            

    

     

    The
      Servicer shall provide to the OTS and the FDIC and to comparable regulatory
      authorities supervising Holders of Subordinate Certificates and the examiners
      and supervisory agents of the OTS, the FDIC and such other authorities, access
      to the documentation regarding the related Mortgage Loans required by applicable
      regulations of the OTS and the FDIC. Such access shall be afforded without
      charge, but only upon reasonable and prior written request and during normal
      business hours at the offices designated by the Servicer. Nothing in this
      Section shall limit the obligation of the Servicer to observe any applicable
      law
      prohibiting disclosure of information regarding the Mortgagors and the failure
      of the Servicer to provide access as provided in this Section as a result of
      such obligation shall not constitute a breach of this Section. Nothing in this
      Section 3.15 shall require the Servicer to collect, create, collate or otherwise
      generate any information that it does not generate in its usual course of
      business.

     

    
      	SECTION
              3.16  	
              Annual
                Statement as to Compliance.

            

    

     

    Not
      later
      than March 10 of each calendar year beginning in 2007 (and no later than April
      15 of any calendar year in which the Trust Fund is no longer subject to the
      Exchange Act reporting requirements), the Servicer and any Special Servicer
      shall deliver to the Depositor and the Trustee an Officer’s Certificate (an
“Annual Statement of Compliance”) stating, as to the signer thereof, that (i) a
      review of the activities of the Servicer or any Special Servicer during the
      preceding calendar year and of the performance of the Servicer under this
      Agreement has been made under such officer’s supervision, and (ii) to the best
      of such officer’s knowledge, based on such review, such Servicer or any Special
      Servicer has fulfilled all its obligations under this Agreement in all material
      respects throughout such year, or, if there has been a failure to fulfill any
      such obligation in any material respect, specifying each such failure known
      to
      such officer and the nature and status of the failure. Such Annual Statement
      of
      Compliance shall contain no restrictions or limitations on its use. If the
      Trustee or the Depositor has not received the related Annual Statement of
      Compliance by March 10 of the related year (and no later than April 15 of any
      calendar year in which the Trust Fund is no longer subject to the Exchange
      Act
      reporting requirements), such party shall notify the Servicer by telephone
      and
      email, or by telephone and fax, of such failure.

     

    
      	SECTION
              3.17  	
              Assessments
                of Compliance and Attestation
                Reports.

            

    

     

    On
      and
      after January 1, 2006, the Servicer and any Special Servicer shall service
      and
      administer the related Mortgage Loans in accordance with all applicable
      requirements of the Servicing Criteria. The Servicer and any Special Servicer
      shall deliver to the Trustee and the Depositor on or before March 10 of each
      calendar year beginning in 2007 (and no later than April 15 of any calendar
      year
      in which the Trust Fund is no longer subject to the Exchange Act reporting
      requirements), a report (an “Assessment of Compliance”) regarding the Servicer’s
      or any Special Servicer’s assessment of compliance with the Servicing Criteria
      during the preceding calendar year as required by Rules 13a-18 and 15d-18 of
      the
      Exchange Act and Item 1122 of Regulation AB, which as of the date hereof,
      require a report by an authorized officer of the related Servicer or the Special
      Servicer that contains the following:

     

    (a)  A
      statement by such officer of its responsibility for assessing compliance with
      the Servicing Criteria applicable to the Servicer or any Special
      Servicer;

     

    (b)  A
      statement by such officer that such officer used the Servicing Criteria to
      assess compliance with the Servicing Criteria applicable to the Servicer or
      any
      Special Servicer;

     

    (c)  An
      assessment by such officer of the Servicer’s or any Special Servicer’s
      compliance with the applicable Servicing Criteria for the period consisting
      of
      the preceding calendar year, including disclosure of any material instance
      of
      noncompliance with respect thereto during such period, which assessment shall
      be
      based on the activities it performs with respect to asset-backed securities
      transactions taken as a whole involving the Servicer or any Special Servicer,
      that are backed by the same asset type as the Mortgage Loans;

     

    (d)  A
      statement that a registered public accounting firm has issued an attestation
      report on the Servicer’s or any Special Servicer’s Assessment of Compliance for
      the period consisting of the preceding calendar year; and

     

    (e)  A
      statement as to which of the Servicing Criteria, if any, are not applicable
      to
      the Servicer or any Special Servicer, which statement shall be based on the
      activities it performs with respect to asset-backed securities transactions
      taken as a whole involving the Servicer or any Special Servicer, that are backed
      by the same asset type as the Mortgage Loans.

     

    Such
      report at a minimum shall address each of the Servicing Criteria specified
      on a
      certification substantially in the form of Exhibit EE hereto delivered to the
      Trustee and the Depositor concurrently with the execution of this Agreement.
      If
      the Trustee or the Depositor has not received the related Assessment of
      Compliance by March 10 of the related year (and no later than April 15 of any
      calendar year in which the Trust Fund is no longer subject to the Exchange
      Act
      reporting requirements), such party shall notify the Servicer or Special
      Servicer by telephone and email, or by telephone and fax, of such
      failure.

     

    On
      or
      before March 10 of each calendar year beginning in 2007 (and no later than
      April
      15 of any calendar year in which the Trust Fund is no longer subject to the
      Exchange Act reporting requirements), the Servicer and any Special Servicer
      shall furnish to the Trustee and the Depositor a report (an “Attestation
      Report”) by a registered public accounting firm that attests to, and reports on,
      the Assessment of Compliance made by the Servicer or any Special Servicer,
      as
      required by Rules 13a-18 and 15d-18 of the Exchange Act and Item 1122(b) of
      Regulation AB, which Attestation Report must be made in accordance with
      standards for attestation reports issued or adopted by the Public Company
      Accounting Oversight Board. If the Trustee or the Depositor has not received
      the
      related Attestation Report by March 10 of the related year (and no later than
      April 15 of any calendar year in which the Trust Fund is no longer subject
      to
      the Exchange Act reporting requirements), such party shall notify the Servicer
      or Special Servicer by telephone and email, or by telephone and fax, of such
      failure. 

     

    The
      Servicer shall cause any Subservicer to which the Servicer delegated any of
      its
      responsibilities with respect to the the Mortgage Loans and each Subcontractor
      determined by the Servicer to be “participating in the servicing function”
within the meaning of Item 1122 of Regulation AB, to deliver to the Trustee
      and
      the Depositor an assessment of compliance and accountants’ attestation by March
      10 of any calendar year during which the Trust Fund is subject to the Exchange
      Act reporting requirements. 

     

    For
      so
      long as the Trust Fund is subject to the Exchange Act reporting requirements,
      the Trustee shall also provide to the Depositor an Assessment of Compliance
      and
      Attestation Report with respect to itself, as and when provided above by March
      15, which shall address each of the Servicing Criteria specified on Exhibit
      EE
      hereto which are indicated as applicable to the “trustee.”

     

    
      	SECTION
              3.18  	
              Maintenance
                of Fidelity Bond and Errors and Omissions
                Insurance.

            

    

     

    The
      Servicer shall maintain with responsible companies, at its own expense, a
      blanket Fidelity Bond and an Errors and Omissions Insurance Policy, with broad
      coverage on all officers, employees or other persons acting in any capacity
      requiring such persons to handle funds, money, documents or papers relating
      to
      the Mortgage Loans (“Servicer Employees”). The amount of coverage under any such
      Fidelity Bond and Errors and Omissions Insurance Policy shall be at least equal
      to the coverage maintained by the Servicer in order to be acceptable to Fannie
      Mae or Freddie Mac to service loans for it or otherwise in an amount as is
      commercially available at a cost that is generally not regarded as excessive
      by
      industry standards. No provision of this Section 3.18 requiring such Fidelity
      Bond and Errors and Omissions Insurance Policy shall diminish or relieve the
      Servicer from its duties and obligations as set forth in this Agreement. The
      minimum coverage under any such bond and insurance policy shall be at least
      equal to the corresponding amounts required by Fannie Mae. Upon the request
      of
      the Trustee, the Servicer shall cause to be delivered to the Trustee a
      certificate of insurance of the insurer and the surety including a statement
      from the surety and the insurer that such fidelity bond and insurance policy
      shall in no event be terminated or materially modified without 30 days’ prior
      written notice to the Trustee.

     

    
      	SECTION
              3.19  	
              Duties
                of the Credit Risk Manager.

            

    

     

    The
      Depositor appoints Clayton Fixed Income Services Inc. (formerly known as The
      Murrayhill Company) as Credit Risk Manager. For and on behalf of the Depositor
      and the Trustee, the Credit Risk Manager will provide the Depositor with reports
      and recommendations concerning Mortgage Loans that are past due, as to which
      there has been commencement of foreclosure, as to which there has been
      forbearance in exercise of remedies which are in default, as to which obligor
      is
      the subject of bankruptcy, receivership, or an arrangement of creditors, or
      as
      to which have become REO Properties. Such reports and recommendations will
      be
      based upon information provided to the Credit Risk Manager pursuant to the
      Credit Risk Management Agreements and the Credit Risk Manager shall look solely
      to the Servicer for all information and data (including loss and delinquency
      information and data) and loan level information and data relating to the
      servicing of the Mortgage Loans. If the Credit Risk Manager is no longer able
      to
      perform its duties hereunder, the Depositor shall terminate the Credit Risk
      Manager and cause the appointment of a successor Credit Risk Manager. Upon
      any
      termination of the Credit Risk Manager or the appointment of a successor Credit
      Risk Manager, the Depositor shall give written notice thereof to the Seller,
      the
      Servicer, the Trustee and each Rating Agency. Notwithstanding the foregoing,
      the
      termination of the Credit Risk Manager pursuant to this Section 3.19 shall
      not
      become effective until the appointment of a successor Credit Risk
      Manager.

     

    
      	SECTION
              3.20  	
              Limitation
                Upon Liability of the Credit Risk
                Manager.

            

    

     

    Neither
      the Credit Risk Manager, nor any of the directors, officers, employees or agents
      of the Credit Risk Manager, shall be under any liability to the Trustee, the
      Certificateholders or the Depositor for any action taken or for refraining
      from
      the taking of any action in good faith pursuant to this Agreement, in reliance
      upon information provided by the Servicer under the Credit Risk Management
      Agreements or of errors in judgment; provided, however, that this provision
      shall not protect the Credit Risk Manager or any such person against liability
      that would otherwise be imposed by reason of willful malfeasance, bad faith
      or
      gross negligence in its performance of its duties under this Agreement or the
      Credit Risk Manager Agreements. The Credit Risk Manager and any director,
      officer, employee or agent of the Credit Risk Manager 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, and may rely in good faith
      upon
      the accuracy of information furnished by the Servicer pursuant to the Credit
      Risk Management Agreements in the performance of its duties thereunder and
      hereunder.

     

    
      	SECTION
              3.21  	
              Advance
                Facility.

            

    

     

    (a)  The
      Servicer is hereby authorized to enter into a financing or other facility (any
      such arrangement, an “Advance Facility”) under which (1) the Servicer assigns or
      pledges to another Person (an “Advancing Person”) the Servicer’s rights under
      this Agreement to be reimbursed for any Advances or Servicing Advances and/or
      (2) an Advancing Person agrees to fund some or all Advances and/or Servicing
      Advances required to be made by the Servicer pursuant to this Agreement. The
      Servicer is hereby authorized to assign its rights to the Servicing Fee; it
      being understood that neither the Trust Fund nor any party hereto shall have
      a
      right or claim (including without limitation any right of offset) to the portion
      of the Servicing Fee so assigned. No consent of the Trustee, Certificateholders
      or any other party is required before the Servicer may enter into an Advance
      Facility; provided,
      however,
      that
      the consent of the Trustee (which consent shall not be unreasonably withheld)
      shall be required before the Servicer may cause to be outstanding at one time
      more than one Advance Facility with respect to Advances or more than one Advance
      Facility with respect to Servicing Advances. Notwithstanding the existence
      of
      any Advance Facility under which an Advancing Person agrees to fund Advances
      and/or Servicing Advances on the Servicer’s behalf, the Servicer, shall remain
      obligated pursuant to this Agreement to make Advances and Servicing Advances
      pursuant to and as required by this Agreement, and shall not be relieved of
      such
      obligations by virtue of such Advance Facility. If the Servicer enters into
      an
      Advance Facility, and for so long as an Advancing Person remains entitled to
      receive reimbursement for any Advances or Servicing Advances outstanding and
      previously unreimbursed pursuant to this Agreement, then the Servicer may elect,
      by providing written notice to the Trustee, not to be permitted to reimburse
      itself for Advances and/or Servicing Advances, as applicable, pursuant to
      Section 3.08 of this Agreement, but following any such election the Servicer
      shall be required to include amounts collected that would otherwise be retained
      by the Servicer to reimburse it for previously unreimbursed Advances (“Advance
      Reimbursement Amounts”) and/or previously unreimbursed Servicing Advances
      (“Servicing Advance Reimbursement Amounts” and together with Advance
      Reimbursement Amounts, “Reimbursement Amounts”) (in each case to the extent such
      type of Reimbursement Amount is included in the Advance Facility) in the
      remittance to the Trustee made pursuant to this Agreement to the extent of
      amounts on deposit in the Collection Account on the related Servicer Cash
      Remittance Date. Notwithstanding anything to the contrary herein, in no event
      shall Advance Reimbursement Amounts or Servicing Advance Reimbursement Amounts
      be included in Interest Remittance Amounts or Principal Remittance Amounts
      or
      distributed to Certificateholders. The Servicer, if making the election set
      forth herein, shall report to the Trustee the portions of the Reimbursement
      Amounts that consist of Advance Reimbursement Amounts and Servicing Advance
      Reimbursement Amounts, respectively.

     

    (b)  If
      the
      Servicer enters into an Advance Facility and makes the election set forth in
      Section 3.21(a), the Servicer and the related Advancing Person shall deliver
      to
      the Trustee a written notice and payment instruction (an “Advance Facility
      Notice”), providing the Trustee with written payment instructions as to where to
      remit Advance Reimbursement Amounts and/or Servicing Advance Reimbursement
      Amounts (each to the extent such type of Reimbursement Amount is included within
      the Advance Facility) on subsequent Distribution Dates. The payment instruction
      shall require the applicable Reimbursement Amounts to be distributed to the
      Advancing Person or to a trustee or custodian (an “Advance Facility Trustee”)
      designated in the Advance Facility Notice. An Advance Facility Notice may only
      be terminated by the joint written direction of the Servicer and the related
      Advancing Person (and any related Advance Facility Trustee); provided,
      however,
      that
      the provisions of this Section 3.21 shall cease to be applicable when all
      Advances and Servicing Advances funded by an Advancing Person, and when all
      Advances and Servicing Advances (the rights to be reimbursed for which have
      been
      assigned or pledged to an Advancing Person), have been repaid to the related
      Advancing Person in full.

     

    (c)  Reimbursement
      Amounts shall consist solely of amounts in respect of Advances and/or Servicing
      Advances made with respect to the Mortgage Loans for which the Servicer would
      be
      permitted to reimburse itself in accordance with Section 3.08(ii), (iii) and
      (iv) hereof, assuming the Servicer had made the related Advance(s) and/or
      Servicing Advance(s). Notwithstanding the foregoing, no Person shall be entitled
      to reimbursement from funds held in the Collection Account for future
      distribution to Certificateholders pursuant to the provisions of Section 4.01.
      The Trustee shall not have any duty or liability with respect to the calculation
      of any Reimbursement Amount and shall be entitled to rely without independent
      investigation on the Advance Facility Notice and on the Servicer’s report of the
      amount of Advance Reimbursement Amounts and Servicing Advance Reimbursement
      Amounts that were included in the remittance from the Servicer to the Trustee
      pursuant to Section 3.08(viii). The Servicer shall maintain and provide to
      any
      successor Servicer a detailed accounting on a loan-by-loan basis as to amounts
      advanced by, pledged or assigned to, and reimbursed to any Advancing Person.
      The
      successor Servicer shall be entitled to rely on any such information provided
      by
      the Servicer and the successor Servicer shall not be liable for any errors
      in
      such information.

     

    (d)  An
      Advancing Person who receives an assignment or pledge of the rights to be
      reimbursed for Advances and/or Servicing Advances, and/or whose obligations
      hereunder are limited to the funding of Advances and/or Servicing Advances
      shall
      not be required to meet the criteria for qualification of a Subservicer set
      forth in Section 3.02 hereof.

     

    (e)  With
      respect to any Advance Facility pursuant to which the Servicer has made the
      election set forth in Section 3.21(a), the documentation establishing any
      Advance Facility shall require that Reimbursement Amounts distributed with
      respect to each Mortgage Loan be allocated to outstanding unreimbursed Advances
      or Servicing Advances (as the case may be) made with respect to that Mortgage
      Loan on a “first-in, first-out” (FIFO) basis. Such documentation shall also
      require the Servicer to provide to the related Advancing Person or Advance
      Facility Trustee loan-by-loan information with respect to each Reimbursement
      Amount distributed by the Trustee to such Advancing Person or Advance Facility
      Trustee on each Distribution Date, to enable the Advancing Person or Advance
      Facility Trustee to make the FIFO allocation of each Reimbursement Amount with
      respect to each Mortgage Loan. The Servicer shall remain entitled to be
      reimbursed by the Advancing Person or Advance Facility Trustee for all Advances
      and Servicing Advances funded by the Servicer to the extent the related rights
      to be reimbursed therefor have not been assigned or pledged to an Advancing
      Person.

     

    (f)  If
      the
      Servicer enters into an Advance Facility, the Servicer shall indemnify the
      Trustee and the Trust and any successor Servicer, as applicable, from and
      against any claims, losses, liabilities or damages resulting from any claim
      by
      the related Advancing Person, except to the extent that such claim, loss,
      liability or damage resulted from or arose out of negligence, recklessness
      or
      willful misconduct on the part of the successor Servicer or the Trustee, or
      failure by the successor Servicer or the Trustee to remit funds as required
      by
      Section 3.21(b). Any amendment to this Section 3.21 or to any other provision
      of
      this Agreement that may be necessary or appropriate to effect the terms of
      an
      Advance Facility as described generally in this Section 3.21, including
      amendments to add provisions relating to a successor Servicer, may be entered
      into by the Trustee, the Seller and the Servicer without the consent of any
      Certificateholder notwithstanding anything to the contrary in Section 10.01
      of
      or elsewhere in this Agreement.

     

    
      	SECTION
              3.22  	
              Special
                Serviced Mortgage Loans

            

    

     

    (a)  The
      Holder of the largest Percentage Interest of Class X-1 Certificates may, at
      its
      discretion, appoint a Special Servicer; provided, that any such Special Servicer
      shall meet all the requirements of a Servicer under this Agreement and shall
      comply in all respects with the applicable provisions of this Agreement. The
      Class X-1 Certificateholder shall notify the Trustee and the Depositor upon
      the
      appointment of a Special Servicer and the Trustee shall notify the Servicer
      of
      such appointment.

     

    The
      Class
      X-1 Certificateholder shall not appoint a Special Servicer under the terms
      of
      this Agreement with respect to any Mortgage Loans unless:

     

    (i)such
      Special Servicer first agrees in writing with the Class X-1 Certificateholder
      to
      deliver an Annual Statement of Compliance in such manner and at such times
      as
      required by Section 3.16 of this Agreement;

     

    (ii)such
      Special Servicer first agrees in writing with the Class X-1 Certificateholder
      to
      deliver an Assessment of Compliance and an Accountant’s Attestation in such
      manner and at such times as required by Section 3.17 of this Agreement;
      and

     

    (iii)such
      Special Servicer agrees to indemnify and hold harmless each of the Depositor
      and
      the Trustee and each Person, if any, who “controls” the Depositor or the Trustee
      within the meaning of the Securities Act and their respective officers,
      directors and affiliates from and against any losses, damages, penalties, fines,
      forfeitures, reasonable and necessary legal fees and related costs, judgments
      and other costs, fees and expenses that such Person may sustain arising out
      of
      third party claims based on (i) the failure of such Special Servicer to deliver
      or cause to be delivered when required any Officer’s Certificate pursuant to
      Section 8.12(c), Annual Statement of Compliance pursuant to Section 3.16 or
      the
      Assessment of Compliance pursuant to Section 3.17, or (ii) any material
      misstatement or omission contained in any Officer’s Certificate provided
      pursuant to Section 8.12(c), in the Annual Statement of Compliance delivered
      pursuant to Section 3.16 or in the Assessment of Compliance delivered pursuant
      to Section 3.17.

     

    (b)  The
      Majority in Interest Class X-1 Certificateholder may (but is not obligated
      to)
      direct any Special Servicer to assume the servicing from the Servicer (a
“Transferring Servicer”) of any Mortgage Loan 90 days or more delinquent. Such
      Special Servicer shall thereupon assume all of the rights and obligations of
      the
      Transferring Servicer, as Servicer, hereunder arising thereafter and the
      Transferring Servicer shall have no further rights or obligations, as Servicer,
      hereunder with respect to such Mortgage Loan (except that such Special Servicer
      shall not be (i) liable for losses of the Transferring Servicer pursuant to
      Section 3.09 hereof or for any acts or omissions of the Transferring Servicer
      hereunder prior to the servicing transfer date, (ii) obligated to effectuate
      repurchases or substitutions of Mortgage Loans hereunder including, but not
      limited to, repurchases or substitutions of Mortgage Loans pursuant to Section
      2.02 or 2.03 hereof or (iii) deemed to have made any representations and
      warranties of the Transferring Servicer hereunder). Upon the transfer of the
      servicing of any such Mortgage Loan to a Special Servicer, such Special Servicer
      shall be entitled to the applicable Servicing Fee and other compensation
      accruing after the servicing transfer date with respect to such Mortgage Loans
      pursuant to Section 3.14.

     

    In
      connection with the transfer of the servicing of any Mortgage Loan to a Special
      Servicer, the Transferring Servicer, at such Special Servicer’s expense, shall
      deliver to such Special Servicer all documents and records relating to such
      Mortgage Loans and an accounting of amounts collected or held by it and
      otherwise use its best efforts to effect the orderly and efficient transfer
      of
      the servicing to such Special Servicer. On the servicing transfer date, such
      Special Servicer shall reimburse the Transferring Servicer for all unreimbursed
      Advances, Servicing Advances and Servicing Fees relating to the Mortgage Loans
      for which the servicing is being transferred. A Special Servicer shall be
      entitled to be reimbursed pursuant to Section 3.08 or otherwise pursuant to
      this
      Agreement for all such Advances, Servicing Advances and Servicing Fees paid
      by
      the Transferring Servicer pursuant to this Section 3.22. In addition, a Special
      Servicer shall notify the Trustee of such transfer and the effective date of
      such transfer, and amend the Mortgage Loan Schedule to reflect that such
      Mortgage Loans are Special Serviced Mortgage Loans.

     

    (c)  The
      Majority in Interest Class X-1 Certificateholder, may (but is not obligated
      to)
      direct any Special Servicer to purchase from the Trust Fund, (a) any Mortgage
      Loan that is delinquent in payment 90 or more days for the purpose of loss
      mitigation or (b) any Mortgage Loan with respect to which there has been
      initiated legal action or other proceedings for the foreclosure of the related
      Mortgaged Property either judicially or non-judicially, in each case, provided
      that the Servicer has the right to transfer the related servicing rights without
      the payment of any compensation to a Subservicer. Any such purchase shall be
      made by such Special Servicer at a price equal to the Repurchase Price for
      such
      Mortgage Loan. The Servicer shall be entitled to reimbursement from such Special
      Servicer for all expenses incurred by it in connection with the transfer of
      any
      Mortgage Loan to such Special Servicer pursuant to this Section 3.22(c). A
      Special Servicer shall notify the Servicer of its intent to repurchase any
      Mortgage Loan pursuant to this Section 3.22(c) at least 45 days prior to such
      repurchase. Any Special Servicer shall notify the Servicer in writing of any
      purchase of Mortgage Loans pursuant to this Section 3.22(c). 

     

    SECTION
      3.23  Basis
      Risk Reserve Fund.

     

    (a)  On
      the
      Closing Date, the Trustee shall establish and maintain in its name, in trust
      for
      the benefit of the Holders of the Class A Certificates and Class M Certificates,
      the Basis Risk Reserve Fund. The Basis Risk Reserve Fund shall be an Eligible
      Account, and funds on deposit therein shall be held separate and apart from,
      and
      shall not be commingled with, any other moneys, including without limitation,
      other moneys held by the Trustee pursuant to this Indenture.

     

    (b)  On
      the
      Closing Date, $1,000 will be deposited by the Depositor into the Basis Risk
      Reserve Fund. On each Distribution Date, the Trustee shall transfer from the
      Certificate Account to the Basis Risk Reserve Fund pursuant to Section
      4.02(b)(iv)BB., the Required Reserve Fund Deposit. Amounts on deposit in the
      Basis Risk Reserve Fund may be withdrawn by the Trustee in connection with
      any
      Distribution Date to fund the amounts required to be distributed to holders
      of
      the Class A Certificates and Class M Certificates pursuant to Section
      4.02(b)(iv)M. through V. to the extent Monthly Excess Cashflow on such date
      are
      insufficient to make such payments. Any such amounts distributed shall be
      treated for federal tax purposes as amounts distributed by REMIC 5 to the Class
      X-1 Certificateholders. On any Distribution Date, any amounts on deposit in
      the
      Basis Risk Reserve Fund in excess of the Required Reserve Fund Amount shall
      be
      distributed to the Class X-1 Certificateholder pursuant to Section
      4.02(b)(iv)Y.

     

    (c)  [reserved];

     

    (d)  Funds
      in
      the Basis Risk Reserve Fund may be invested in Eligible Investments by the
      Trustee at the written direction of the Majority in Interest Class X-1
      Certificates. Any net investment earnings on such amounts shall be payable
      to
      the Holder of the Class X-1 Certificates on each Distribution Date. In the
      absence of such written direction, all funds in the Basis Risk Reserve Fund
      shall be invested by the Trustee in the First American Prime Obligations Fund,
      Class A. Amounts held in the Basis Risk Reserve Fund from time to time shall
      continue to constitute assets of the Trust Fund, but not of REMIC 1, REMIC
      2,
      REMIC 3 or REMIC 4, until released from the Basis Risk Reserve Fund pursuant
      to
      this Section 3.23. The Basis Risk Reserve Fund constitutes an “outside reserve
      fund” within the meaning of Treasury Regulation §1.860G-2(h) and is not an asset
      of REMIC 1, REMIC 2, REMIC 3 or REMIC 4. For all federal tax purposes, amounts
      transferred by REMIC 4 to the Basis Risk Reserve Fund shall be treated as
      amounts distributed by REMIC 4 to the Class X-1 Certificateholders. It is the
      intention of the parties hereto that, for federal and state income and state
      and
      local franchise tax purposes, the Basis Risk Reserve Fund be disregarded as
      an
      entity separate from the Holder of the Class X-1 Certificates unless and until
      the date when either (a) there is more than one Class X-1 Certificateholder
      or
      (b) any Class of Certificates in addition to the Class X-1 Certificates is
      recharacterized as an equity interest in the Basis Risk Reserve Fund for federal
      income tax purposes, in which case it is the intention of the parties hereto
      that, for federal and state income and state and local franchise tax purposes,
      the Basis Risk Reserve Fund be treated as a partnership. The Trustee shall
      have
      no liability for losses on investments in Eligible Investments made pursuant
      to
      this Section 3.23(d) (other than as obligor on any such investments). Upon
      termination of the Trust Fund, any amounts remaining in the Basis Risk Reserve
      Fund shall be distributed to the Holder of the Class X-1 Certificates in the
      same manner as if distributed pursuant to Section 4.02(b)(iv)Y.
      hereof.

     

    (e)  On
      the
      Distribution Date immediately after the Distribution Date on which the aggregate
      Class Principal Balance of the Class A Certificates and Class M Certificates
      equals zero, any amounts on deposit in the Basis
      Risk Reserve Fund
      not
      payable on the Class A Certificates and Class M Certificates shall be
      distributed to the Holder of the Class X-1 Certificates in the same manner
      as if
      distributed pursuant to Section 4.02(b)(iv)Y. hereof.

     

    
      
        
        

      

      
        
        

        
          

        

      

      
        
        

      

    

    

    ARTICLE
      IV

     

    DISTRIBUTIONS
      AND

    ADVANCES
      BY THE SERVICER

     

    
      	SECTION
              4.01  	
              Advances
                by the Servicer.

            

    

     

    The
      Servicer shall deposit in the Collection Account an amount equal to all
      Scheduled Payments (with interest at the Mortgage Rate less the Servicing Fee
      Rate) which were due but not received on the Mortgage Loans during the
      applicable Due Period; provided however, that with respect to any Balloon Loan
      that is delinquent on its maturity date, the Servicer will not be required
      to
      advance the related balloon payment but will be required to continue to make
      Advances in accordance with this Section 4.01 with respect to such Balloon
      Loan
      in an amount equal to an assumed scheduled payment that would otherwise be
      due
      based on the original amortization schedule for that Mortgage Loan (with
      interest at the Mortgage Rate less the Servicing Fee Rate). The Servicer will
      not be required, however, to make any Advances with respect to reductions in
      the
      amount of the Scheduled Payments on the Mortgage Loans due to bankruptcy
      proceedings or the application of the Relief Act. 

     

    The
      Servicer’s obligation to make such Advances as to any Mortgage Loan will
      continue through the last Scheduled Payment due prior to the payment in full
      of
      such Mortgage Loan, or through the date that the related Mortgaged Property
      has,
      in the judgment of the Servicer, been completely liquidated; provided however,
      that such obligation with respect to any Mortgage Loan shall cease if the
      Servicer determines, in its reasonable opinion, that Advances with respect
      to
      such Mortgage Loan are Nonrecoverable Advances; provided that the Servicer
      will
      be required to make Advances until the earlier of (i) the time at which the
      related Mortgage Loan becomes 120 days delinquent or (ii) the time at which
      the
      Servicer determines that such Advances with respect to such Mortgage Loan are
      Nonrecoverable Advances. In the event that such Servicer determines that any
      such Advances are Nonrecoverable Advances, such Servicer shall provide the
      Trustee with a certificate signed by a Servicing Officer evidencing such
      determination.

     

    If
      an
      Advance is required to be made hereunder, the Servicer shall on the second
      Business Day immediately preceding the Distribution Date immediately following
      the related Determination Date either (i) deposit in the Collection Account
      from
      its own funds an amount equal to such Advance, (ii) cause to be made an
      appropriate entry in the records of the Collection Account that funds in such
      account being held for future distribution or withdrawal have been, as permitted
      by this Section 4.01, used by the Servicer to make such Advance or (iii) make
      Advances in the form of any combination of clauses (i) and (ii) aggregating
      the
      amount of such Advance. Any such funds being held in a Collection Account for
      future distribution and so used shall be replaced by the Servicer from its
      own
      funds by deposit in such Collection Account on or before any future Distribution
      Date in which such funds would be due. The Servicer shall be entitled to be
      reimbursed from the Collection Account for all Advances of its own funds made
      pursuant to this Section as provided in Section 3.08.

     

    
      	SECTION
              4.02  	
              Priorities
                of Distribution.

            

    

     

    (a)  On
      each
      Distribution Date, prior to making distributions to the holders of the
      Certificates, the Trustee first, shall pay itself the Trustee’s Fee for such
      Distribution Date and second, shall pay the Credit Risk Manager the Credit
      Risk
      Manager Fee for such Distribution Date.

     

    (b)  With
      respect to the Available Funds, on each Distribution Date, the Trustee shall
      withdraw such Available Funds from the Certificate Account and based on the
      information provided to it by the Servicer, apply such funds to distributions
      on
      the Certificates in the following order and priority and, in each case, to
      the
      extent of such Available Funds remaining:

     

    (i)  On
      each
      Distribution Date, the Trustee shall distribute the Interest Remittance Amount
      for both Loan Groups for such date in the following order of
      priority:

     

    
      	A.  	
              to
                the Class X-S Certificates, the aggregate Excess Servicing Fee for
                such
                Distribution Date;

            

    

     

    
      	B.  	
              to
                the Class 1A-1, Class 2A-1, Class 2A-2, Class 2A-3, Class A-R and
                Class P
                Certificates, concurrently and pro rata, Current Interest and any
                Carryforward Interest, as applicable, for each such Class and such
                Distribution Date; provided that (a) the Class 1A-1 Certificates
                receive
                interest from the Interest Remittance Amount for Loan Group 1 before
                any
                interest is allocated to such Class from the Interest Remittance
                Amount
                for Loan Group 2 and (b) the Class 2A-1, Class 2A-2, Class 2A-3,
                Class A-R
                and Class P Certificates receive interest from the Interest Remittance
                Amount for Loan Group 2 before any interest is allocated to such
                Classes
                from the Interest Remittance Amount for Loan Group
                1;

            

    

     

    
      	C.  	
              to
                the Class M-1 Certificates, first, from the Interest Remittance Amount
                for
                Loan Group 2 and then from Interest Remittance Amount for Loan Group
                1,
                Current Interest and any Carryforward Interest for such Class and
                such
                Distribution Date;

            

    

     

    
      	D.  	
              to
                the Class M-2 Certificates, first, from the Interest Remittance Amount
                for
                Loan Group 2 and then from Interest Remittance Amount for Loan Group
                1,
                Current Interest and any Carryforward Interest for such Class and
                such
                Distribution Date;

            

    

     

    
      	E.  	
              to
                the Class M-3 Certificates, first, from the Interest Remittance Amount
                for
                Loan Group 2 and then from Interest Remittance Amount for Loan Group
                1,
                Current Interest and any Carryforward Interest for such Class and
                such
                Distribution Date;

            

    

     

    
      	F.  	
              to
                the Class M-4 Certificates, first, from the Interest Remittance Amount
                for
                Loan Group 2 and then from Interest Remittance Amount for Loan Group
                1,
                Current Interest and any Carryforward Interest for such Class and
                such
                Distribution Date;

            

    

     

    
      	G.  	
              to
                the Class M-5 Certificates, first, from the Interest Remittance Amount
                for
                Loan Group 2 and then from Interest Remittance Amount for Loan Group
                1,
                Current Interest and any Carryforward Interest for such Class and
                such
                Distribution Date;

            

    

     

    
      	H.  	
              to
                the Class M-6 Certificates, first, from the Interest Remittance Amount
                for
                Loan Group 2 and then from Interest Remittance Amount for Loan Group
                1,
                Current Interest and any Carryforward Interest for such Class and
                such
                Distribution Date;

            

    

     

    
      	I.  	
              to
                the Class M-7 Certificates, first, from the Interest Remittance Amount
                for
                Loan Group 2 and then from Interest Remittance Amount for Loan Group
                1,
                Current Interest and any Carryforward Interest for such Class and
                such
                Distribution Date;

            

    

     

    
      	J.  	
              to
                the Class M-8 Certificates, first, from the Interest Remittance Amount
                for
                Loan Group 2 and then from Interest Remittance Amount for Loan Group
                1,
                Current Interest and any Carryforward Interest for such Class and
                such
                Distribution Date;

            

    

     

    
      	K.  	
              to
                the Class M-9 Certificates, first, from the Interest Remittance Amount
                for
                Loan Group 2 and then from Interest Remittance Amount for Loan Group
                1,
                Current Interest and any Carryforward Interest for such Class and
                such
                Distribution Date;

            

    

     

    
      	L.  	
              on
                the Distribution Dates occurring in January 2007, February 2007 and
                March
                2007, to the Depositor an amount equal to the amount received during
                the
                related Due Period which constitutes Subsequent Mortgage Loan Interest;
                and

            

    

     

    
      	M.  	
              for
                application in the same manner as the Monthly Excess Cashflow for
                such
                Distribution Date as provided in clause (iv) of this Section 4.02(b),
                any
                Interest Remittance Amount remaining after application pursuant to
                clauses
                A. through L. above.

            

    

     

    (ii)  On
      each
      Distribution Date (a) prior to the Stepdown Date or (b) with respect to which
      a
      Trigger Event has occurred, the Trustee shall distribute the Principal Payment
      Amount for such date in the following order of priority:

     

    
      	A.  	
              commencing
                on the Distribution Date in March 2012, from the Principal Remittance
                Amount for Loan Group 2, to the Class P Certificates, until the Class
                Principal Balance of such class has been reduced to
                zero;

            

    

     

    
      	B.  	
              (a)from
                the Principal Remittance Amount derived from Loan Group 1, sequentially
                as
                follows: first, to (x) the Class 1A-1 Certificates, until the Class
                Principal Balance thereof has been reduced to zero and then second
                to
                (y)(i) on each Distribution Date prior to the Credit Support Depletion
                Date, the Class A-R, Class 2A-1, Class 2A-2, and Class 2A-3 Certificates,
                in that order, in each case until the Class Principal Balance thereof
                has
                been reduced to zero and (ii) on each Distribution Date on or after
                the
                Credit Support Depletion Date, the Class A-R, Class 2A-1, Class 2A-2,
                and
                Class 2A-3 Certificates, pro rata, in each case, until the Class
                Principal
                Balance thereof has been reduced to
                zero;

            

    

     

    (b) from
      the
      Principal Remittance Amount derived from Loan Group 2, sequentially as follows:
      first, to (x)(i) on each Distribution Date prior to the Credit Support Depletion
      Date, the Class A-R, Class 2A-1, Class 2A-2, and Class 2A-3 Certificates, in
      that order, in each case, until the Class Principal Balance thereof has been
      reduced to zero and (ii) on each Distribution Date on or after the Credit
      Support Depletion Date, the Class A-R, Class 2A-1, Class 2A-2, and Class 2A-3
      Certificates, pro rata, in each case, until the Class Principal Balance thereof
      has been reduced to zero and then second to (y) the Class 1A-1 Certificates
      until the Class Principal Balance thereof has been reduced to zero;

     

    
      	C.  	
              to
                the Class M-1 Certificates, until the Class Principal Balance of
                such
                Class has been reduced to zero;

            

    

     

    
      	D.  	
              to
                the Class M-2 Certificates, until the Class Principal Balance of
                such
                Class has been reduced to zero;

            

    

     

    
      	E.  	
              to
                the Class M-3 Certificates, until the Class Principal Balance of
                such
                Class has been reduced to zero;

            

    

     

    
      	F.  	
              to
                the Class M-4 Certificates, until the Class Principal Balance of
                such
                Class has been reduced to zero;

            

    

     

    
      	G.  	
              to
                the Class M-5 Certificates, until the Class Principal Balance of
                such
                Class has been reduced to zero;

            

    

     

    
      	H.  	
              to
                the Class M-6 Certificates, until the Class Principal Balance of
                such
                Class has been reduced to zero;

            

    

     

    
      	I.  	
              to
                the Class M-7 Certificates, until the Class Principal Balance of
                such
                Class has been reduced to zero;

            

    

     

    
      	J.  	
              to
                the Class M-8 Certificates, until the Class Principal Balance of
                such
                Class has been reduced to zero;

            

    

     

    
      	K.  	
              to
                the Class M-9 Certificates, until the Class Principal Balance of
                such
                Class has been reduced to zero; and

            

    

     

    
      	L.  	
              for
                application in the same manner as the Monthly Excess Cashflow for
                such
                Distribution Date, as provided in clause (iv) of this Section 4.02(b),
                any
                Principal Payment Amount remaining after application pursuant to
                clauses
                A. through K. above.

            

    

     

    (iii)  On
      each
      Distribution Date (a) on or after the Stepdown Date and (b) with respect to
      which a Trigger Event has not occurred, the Trustee shall distribute the
      Principal Payment Amount for such date in the following order of
      priority:

     

    
      	A.  	
              commencing
                on the Distribution Date in March 2012 or thereafter, from the Principal
                Remittance for loan group 2, to the Class P Certificates, an amount
                up to
                the Senior Principal Payment Amount, until the Class Principal Balance
                of
                such Class has been reduced to
                zero;

            

    

     

    
      	B.  	
              (a)from
                the Principal Remittance Amount derived from Loan Group 1, the Group
                1
                Allocation Amount, sequentially as follows: first to (x) the Class
                1A-1
                Certificates, until the Class Principal Balance thereof has been
                reduced
                to zero, and then second to (y)(i) on each Distribution Date prior
                to the
                Credut Support Depletion Date, the Class A-R, Class 1A-1, Class 2A-1,
                Class 2A-2 and Class 2A-3 Certificates, in that order, in each case,
                until
                the Class Principal Balance thereof has been reduced to zero and
                (ii) on
                each Distribution Date on or after the Credit Support Depletion Date,
                the
                Class
                A-R,
                Class 1A-1, Class 2A-1, Class 2A-2 and Class 2A-3 Certificates, pro
                rata,
                in each case, until the Class Principal Balance thereof has been
                reduced
                to zero; and

            

    

     

    (b) from
      the
      Principal Remittance Amount derived from Loan Group 2, the Group 2 Allocation
      Amount, sequentially as follows: first to (x)(i) on each Distibution Date prior
      to the Credit Support Depletion Date, the Class A-R, Class 1A-1, Class 2A-1,
      Class 2A-2 and Class 2A-3 Certificates, in that order, in each case, until
      the
      Class Principal Balance thereof has been reduced to zero and (ii) on each
      Distribution Date on or after the Credit Support Depletion Date, the Class
      A-R,
      Class 1A-1, Class 2A-1, Class 2A-2 and Class 2A-3 Certificates, pro rata, in
      each case, until the Class Principal Balance thereof has been reduced to zero
      and then second to (y) the Class 1A-1 Certificates, until the Class Principal
      Balance thereof has been reduced to zero;

     

    
      	C.  	
              to
                the Class M-1 Certificates, the Class M-1 Principal Payment Amount
                for
                such Distribution Date, until the Class Principal Balance of such
                Class
                has been reduced to zero;

            

    

     

    
      	D.  	
              to
                the Class M-2 Certificates, the Class M-2 Principal Payment Amount
                for
                such Distribution Date, until the Class Principal Balance of such
                Class
                has been reduced to zero;

            

    

     

    
      	E.  	
              to
                the Class M-3 Certificates, the Class M-3 Principal Payment Amount
                for
                such Distribution Date, until the Class Principal Balance of such
                Class
                has been reduced to zero;

            

    

     

    
      	F.  	
              to
                the Class M-4 Certificates, the Class M-4 Principal Payment Amount
                for
                such Distribution Date, until the Class Principal Balance of such
                Class
                has been reduced to zero;

            

    

     

    
      	G.  	
              to
                the Class M-5 Certificates, the Class M-5 Principal Payment Amount
                for
                such Distribution Date, until the Class Principal Balance of such
                Class
                has been reduced to zero;

            

    

     

    
      	H.  	
              to
                the Class M-6 Certificates, the Class M-6 Principal Payment Amount
                for
                such Distribution Date, until the Class Principal Balance of such
                Class
                has been reduced to zero;

            

    

     

    
      	I.  	
              to
                the Class M-7 Certificates, the Class M-7 Principal Payment Amount
                for
                such Distribution Date, until the Class Principal Balance of such
                Class
                has been reduced to zero;

            

    

     

    
      	J.  	
              to
                the Class M-8 Certificates, the Class M-8 Principal Payment Amount
                for
                such Distribution Date, until the Class Principal Balance of such
                Class
                has been reduced to zero;

            

    

     

    
      	K.  	
              to
                the Class M-9 Certificates, the Class M-9 Principal Payment Amount
                for
                such Distribution Date, until the Class Principal Balance of such
                Class
                has been reduced to zero; and

            

    

     

    
      	L.  	
              for
                application as part of Monthly Excess Cashflow for such Distribution
                Date,
                as provided in clause (iv) of this Section 4.02(b), any Principal
                Payment
                Amount remaining after application pursuant to clauses A. through
                K.
                above.

            

    

     

    (iv)  On
      each
      Distribution Date, the Trustee shall distribute the Monthly Excess Cashflow
      for
      such date in the following order of priority:

     

    
      	A.  	
              an
                amount equal to the aggregate Realized Losses on the Mortgage Loans
                incurred during the related Collection Period, such amount to be
                distributed as set forth above in Section 4.02(b)(ii) and (iii) in
                the
                same manner as the Principal Payment Amount (any such amount, an
“Excess
                Cashflow Loss Payment”);

            

    

     

    
      	B.  	
              on
                the first Distribution Date, an amount equal to the Monthly Excess
                Cashflow for such Distribution Date remaining after the distribution
                in
                clauses (iv)A. above to the Class X-1
                Certificates;

            

    

     

    
      	C.  	
              except
                for the first Distribution Date, until the Overcollateralization
                Amount
                equals the Targeted Overcollateralization Amount for such date, on
                each
                Distribution Date 

            

    

     

    (I) (a)
      prior
      to the Stepdown Date or (b) with respect to which a Trigger Event has occurred,
      

     

    1. to
      the
      extent of the Monthly Excess Cashflow derived from Loan Group 1, the Group
      1
      Excess Interrest Amount, sequentially, first to (x) the Class 1A-1 Certificates,
      until the Class Principal Balance thereof has been reduced to zero and then
      to
      (y)(i) on each Distribution Date prior to the Credit Support Depletion Date,
      the
      Class A-R, Class 2A-1, Class 2A-2 and Class 2A-3 Certificates, in that order,
      in
      each case, until the Class Principal Balance thereof has been reduced to zero
      and (ii) on each Distribution Date on or after the Credit Support Depletion
      Date, the Class A-R, Class 2A-1, Class 2A-2 and Class 2A-3 Certificates, pro
      rata, in each case, until the Class Principal Balance thereof has been reduced
      to zero; 

     

    2. to
      the
      extent of the Monthly Excess Cashflow derived from Loan Group 2, the Group
      2
      Excess Interest Amount, sequentially, first to (x)(i) on each Distribution
      Date
      prior to the Credit Support Depletion Date, the Class A-R, Class 2A-1, Class
      2A-2 and Class 2A-3 Certificates, in that order, in each case, until the Class
      Principal Balance thereof has been reduced to zero and (ii) on each Distribution
      Date on or after the Credit Support Depletion Date, the Class A-R, Class 2A-1,
      Class 2A-2 and Class 2A-3 Certificates, pro rata, in each case, until the Class
      Principal Balance thereof has been reduced to zero; and 

     

    3. any
      remaining Monthly Excess Cashflow, sequentially, to the Class M-1, Class M-2,
      Class M-3, Class M-4, Class M-5, Class M-6, Class M-7, Class M-8 and Class
      M-9
      Certificates, in that order, in each case, until the Class Principal Balance
      thereof has been reduced to zero; and

     

    (b) On
      each
      Distribution Date on or after the Stepdown Date and with respect to which a
      Trigger Event has not occurred, to fund any principal distributions to the
      Class
      1A-1, Class 2A-1, Class 2A-2, Class 2A-3, Class A-R, Class M-1, Class M-2,
      Class
      M-3, Class M-4, Class M-5, Class M-6, Class M-7, Class M-8 and Class M-9
      Certificates required to be made on such Distribution Date set forth above
      in
      clause (iii) above, after giving effect to the distribution of Principal Payment
      Amount for such Distribution Date, in accordance with the priorities set forth
      therein; 

     

    
      	D.  	
              to
                the Class M-1 Certificates, any Deferred Amount for such Class, with
                interest thereon at the Pass-Through Rate for such Class, to the
                extent
                not paid from amounts on deposit in the Swap
                Account;

            

    

     

    
      	E.  	
              to
                the Class M-2 Certificates, any Deferred Amount for such Class, with
                interest thereon at the Pass-Through Rate for such Class, to the
                extent
                not paid from amounts on deposit in the Swap
                Account;

            

    

     

    
      	F.  	
              to
                the Class M-3 Certificates, any Deferred Amount for such Class, with
                interest thereon at the Pass-Through Rate for such Class, to the
                extent
                not paid from amounts on deposit in the Swap
                Account;

            

    

     

    
      	G.  	
              to
                the Class M-4 Certificates, any Deferred Amount for such Class, with
                interest thereon at the Pass-Through Rate for such Class, to the
                extent
                not paid from amounts on deposit in the Swap
                Account;

            

    

     

    
      	H.  	
              to
                the Class M-5 Certificates, any Deferred Amount for such Class, with
                interest thereon at the Pass-Through Rate for such Class, to the
                extent
                not paid from amounts on deposit in the Swap
                Account;

            

    

     

    
      	I.  	
              to
                the Class M-6 Certificates, any Deferred Amount for such Class, with
                interest thereon at the Pass-Through Rate for such Class, to the
                extent
                not paid from amounts on deposit in the Swap
                Account;

            

    

     

    
      	J.  	
              to
                the Class M-7 Certificates, any Deferred Amount for such Class, with
                interest thereon at the Pass-Through Rate for such Class, to the
                extent
                not paid from amounts on deposit in the Swap
                Account;

            

    

     

    
      	K.  	
              to
                the Class M-8 Certificates, any Deferred Amount for such Class, with
                interest thereon at the Pass-Through Rate for such Class, to the
                extent
                not paid from amounts on deposit in the Swap
                Account;

            

    

     

    
      	L.  	
              to
                the Class M-9 Certificates, any Deferred Amount for such Class, with
                interest thereon at the Pass-Through Rate for such Class, to the
                extent
                not paid from amounts on deposit in the Swap
                Account;

            

    

     

    
      	M.  	
              to
                the Class 1A-1, Class 2A-1, Class 2A-2 and Class 2A-3 Certificates,
                pro rata based on entitlement, any applicable Basis Risk Shortfall
                for
                each such Class, to the extent not paid from amounts in the Swap
                Account;

            

    

     

    
      	N.  	
              to
                the Class M-1 Certificates, any applicable Basis Risk Shortfall for
                such Class, to the extent not paid from amounts in the Swap
                Account;

            

    

     

    
      	O.  	
              to
                the Class M-2 Certificates, any applicable Basis Risk Shortfall for
                such Class, to the extent not paid from amounts in the Swap
                Account;

            

    

     

    
      	P.  	
              to
                the Class M-3 Certificates, any applicable Basis Risk Shortfall for
                such Class, to the extent not paid from amounts in the Swap
                Account;

            

    

     

    
      	Q.  	
              to
                the Class M-4 Certificates, any applicable Basis Risk Shortfall for
                such Class, to the extent not paid from amounts in the Swap
                Account;

            

    

     

    
      	R.  	
              to
                the Class M-5 Certificates, any applicable Basis Risk Shortfall for
                such Class, to the extent not paid from amounts in the Swap
                Account;

            

    

     

    
      	S.  	
              to
                the Class M-6 Certificates, any applicable Basis Risk Shortfall for
                such Class, to the extent not paid from amounts in the Swap
                Account;

            

    

     

    
      	T.  	
              to
                the Class M-7 Certificates, any applicable Basis Risk Shortfall for
                such Class, to the extent not paid from amounts in the Swap
                Account;

            

    

     

    
      	U.  	
              to
                the Class M-8 Certificates, any applicable Basis Risk Shortfall for
                such Class, to the extent not paid from amounts in the Swap
                Account;

            

    

     

    
      	V.  	
              to
                the Class M-9 Certificates, any applicable Basis Risk Shortfall for
                such Class, to the extent not paid from amounts in the Swap
                Account;

            

    

     

    
      	W.  	
              to
                the Counterparty, the amount of any Swap Termination Payment resulting
                from a Counterparty Trigger Event and to the extent not paid by the
                Supplemental Interest Trust Trustee from any upfront payment received
                pursuant to any related replacement swap agreement that may be entered
                into by the Supplemental Interest Trust Trustee not previously
                paid;

            

    

     

    
      	X.  	
              from
                amounts otherwise distributable to the Class X-1 Certificates, to
                the
                Basis Risk Reserve Fund, the Required Reserve Fund
                Deposit;

            

    

     

    
      	Y.  	
              to
                the Class X-1 Certificates, (a) the Class X-1 Distribution Amount
                for such
                Distribution Date reduced by amounts distributed pursuant to clause
                L. of
                4.02(b)(i) for such Distribution Date, (b) the amount of any
                Overcollateralization Release Amount for such Distribution Date,
                (c) any
                amounts withdrawn from the Basis Risk Reserve Fund for distribution
                to
                such Class X-1 Certificates pursuant to Section 3.23(b) and (d) for
                any
                Distribution Date on or after which the aggregate Class Principal
                Balance
                of the Regular Certificates has been reduced to zero, the
                Overcollateralization Amount; and

            

    

     

    
      	Z.  	
              to
                the Class A-R Certificate, any remaining amount; provided, however
                that
                any amount that would be distributable pursuant to this priority
                Z. shall
                not be paid with respect to the Class A-R Certificate but shall be
                paid
                instead with respect to the Class X-1 Certificates pursuant to a
                contract
                that exists under this Agreement between the Class A-R Certificateholders
                and the Class X-1
                Certificateholders.

            

    

     

    Distributions
      pursuant to Section 4.02(b)(iv)D. through V. on any Distribution Date will
      be
      made after giving effect to withdrawals from the Swap Account on such date
      to
      pay Deferred Amounts.

     

    (v)  On
      each
      Distribution Date, the Trustee shall distribute to the Holder of the Class
      P
      Certificate, the aggregate of all Prepayment Charges collected during the
      preceding Prepayment Period.

     

    (vi)  [reserved].

     

    (vii)  On
      each
      Distribution Date, following the foregoing distributions, an amount equal to
      the
      amount of Net Recoveries included in the Available Funds for such Distribution
      Date shall be applied to increase the Class Principal Balance of the Class
      of
      Certificates with the Highest Priority up to the extent of such Realized Losses
      previously allocated to that Class of Certificates pursuant to Section 4.05.
      An
      amount equal to the amount of any remaining Net Recoveries shall be applied
      to
      increase the Class Principal Balance of the Class of Certificates with the
      next
      Highest Priority, up to the amount of such Realized Losses previously allocated
      to that Class of Certificates pursuant to Section 4.05, and so on. Holders
      of
      such Certificates will not be entitled to any distribution in respect of
      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 Class Principal Balance of each Certificate
      of
      such Class in accordance with its respective Percentage Interest.

     

    
      	SECTION
              4.03  	
              [Reserved].

            

    

     

    
      	SECTION
              4.04  	
              [Reserved].

            

    

     

    
      	SECTION
              4.05  	
              Allocation
                of Realized Losses.

            

    

     

    On
      each
      Distribution Date, the Trustee shall determine the total of the Applied Loss
      Amount, if any, for such Distribution Date. The Applied Loss Amount for any
      Distribution Date shall be applied by reducing the Class Principal Balance
      of
      each Class of Subordinate Certificates beginning with the Class of Subordinate
      Certificates then outstanding with the lowest relative payment priority, in
      each
      case until the respective Class Principal Balance thereof is reduced to zero.
      Any Applied Loss Amount allocated to a Class of Subordinate Certificates shall
      be allocated among the Subordinate Certificates of such Class in proportion
      to
      their respective Percentage Interests.

     

    All
      Realized Losses on the Group 1 Loans shall be allocated on each Distribution
      Date to the following REMIC 1 Regular Interests: to REMIC 1 Regular Interests
      LTI-1 until the Uncertificated Principal Balance thereof has been reduced to
      zero. All Realized Losses on the Group 2 Loans shall be allocated on each
      Distribution Date to the following REMIC 1 Regular Interests: first, to REMIC
      1
      Regular Interests LTI-2 until the Uncertificated Principal Balance thereof
      has
      been reduced to zero, then to REMIC 1 Regular Interest LTI-2PF until the
      Uncertificated Principal Balance thereof has been reduced to zero, however,
      that
      with respect to the first three Distribution Dates, Realized Losses relating
      to
      the Group 2 Initial Mortgage Loans shall be allocated to REMIC 1 Regular
      Interest LTI-2 and Realized Losses relating to the Subsequent Mortgage Loans
      shall be allocated to REMIC 1 Regular Interest LTI-2PF until the Uncertificated
      Principal Balance thereof has been reduced to zero. 

     

    All
      Realized Losses on REMIC 1 Regular Interests LTI-1 shall be deemed to have
      been
      allocated, first, on each Distribution Date, to REMIC 2 Regular Interest MTI-X1
      until such REMIC 2 Regular Interest has been reduced to zero; and second, to
      REMIC 2 Regular Interests MTI-1-A and REMIC 2 Regular Interest MTI-1-B, pro
      rata
      until each such REMIC 2 Regular Interest has been reduced to zero. All Realized
      Losses on REMIC 1 Regular Interests LTI-2 and LTI-2PF shall be deemed to have
      been allocated, first, on each Distribution Date, to REMIC 2 Regular Interest
      MTI-2X1 until such REMIC 2 Regular Interest has been reduced to zero; and
      second, to REMIC 2 Regular Interests MTI-2-A and REMIC 2 Regular Interest
      MTI-2-B, pro rata until each such REMIC 2 Regular Interest has been reduced
      to
      zero. 

     

    The
      REMIC
      3 Marker Allocation Percentage of all Realized Losses on the REMIC 2 Regular
      Interests shall be deemed to have been allocated to the following REMIC 3
      Regular Interests in the specified percentages, as follows: first to
      Uncertificated Accrued Interest payable to the REMIC 3 Regular Interests MTII-AA
      and MTII-ZZ up to an aggregate amount equal to the excess of (a) the REMIC
      3
      Interest Loss Allocation Amount over (b) Prepayment Interest Shortfalls (to
      the
      extent not covered by Compensating Interest) relating to the Mortgage Loans
      for
      such Distribution Date, 98% and 2%, respectively; second, to the Uncertificated
      Principal Balances of the REMIC 3 Regular Interests MTII-AA and MTII-ZZ up
      to an
      aggregate amount equal to the REMIC 3 Principal Loss Allocation Amount, 98%
      and
      2%, respectively; third, to the Uncertificated Principal Balances of REMIC
      3
      Regular Interest MTII-AA, REMIC 3 Regular Interest MTII-M-9 and REMIC 3 Regular
      Interest MTII-ZZ, 98%, 1% and 1%, respectively, until the Uncertificated
      Principal Balance of REMIC 3 Regular Interest MTII-M-9 has been reduced to
      zero;
      fourth, to the Uncertificated Principal Balances of REMIC 3 Regular Interest
      MTII-AA, REMIC 3 Regular Interest MTII-M-8 and REMIC 3 Regular Interest MTII-ZZ,
      98%, 1% and 1%, respectively, until the Uncertificated Principal Balance of
      REMIC 3 Regular Interest MTII-M-8 has been reduced to zero; fifth, to the
      Uncertificated Principal Balances of REMIC 3 Regular Interest MTII-AA, REMIC
      3
      Regular Interest MTII-M-7 and REMIC 3 Regular Interest MTII-ZZ, 98%, 1% and
      1%,
      respectively, until the Uncertificated Principal Balance of REMIC 3 Regular
      Interest MTII-M-7 has been reduced to zero; sixth, to the Uncertificated
      Principal Balances of REMIC 3 Regular Interest MTII-AA, REMIC 3 Regular Interest
      MTII-M-6 and REMIC 3 Regular Interest MTII-ZZ, 98%, 1% and 1%, respectively,
      until the Uncertificated Principal Balance of REMIC 3 Regular Interest MTII-M-6
      has been reduced to zero; seventh, to the Uncertificated Principal Balances
      of
      REMIC 3 Regular Interest MTII-AA, REMIC 3 Regular Interest MTII-M-5 and REMIC
      3
      Regular Interest MTII-ZZ, 98%, 1% and 1%, respectively, until the Uncertificated
      Principal Balance of REMIC 3 Regular Interest MTII-M-5 has been reduced to
      zero;
      eighth, to the Uncertificated Principal Balances of REMIC 3 Regular Interest
      MTII-AA, REMIC 3 Regular Interest MTII-M-4 and REMIC 3 Regular Interest MTII-ZZ,
      98%, 1% and 1%, respectively, until the Uncertificated Principal Balance of
      REMIC 3 Regular Interest MTII-M-4 has been reduced to zero; ninth, to the
      Uncertificated Principal Balances of REMIC 3 Regular Interest MTII-AA, REMIC
      3
      Regular Interest MTII-M-3 and REMIC 3 Regular Interest MTII-ZZ, 98%, 1% and
      1%,
      respectively, until the Uncertificated Principal Balance of REMIC 3 Regular
      Interest MTII-M-3 has been reduced to zero; tenth, to the Uncertificated
      Principal Balances of REMIC 3 Regular Interest MTII-AA, REMIC 3 Regular Interest
      MTII-M-2 and REMIC 3 Regular Interest MTII-ZZ, 98%, 1% and 1%, respectively,
      until the Uncertificated Principal Balance of REMIC 3 Regular Interest MTII-M-2
      has been reduced to zero; and eleventh, to the Uncertificated Principal Balances
      of REMIC 3 Regular Interest MTII-AA, REMIC 3 Regular Interest MTII-M-1 and
      REMIC
      3 Regular Interest MTII-ZZ, 98%, 1% and 1%, respectively, until the
      Uncertificated Principal Balance of REMIC 3 Regular Interest MTII-M-1 has been
      reduced to zero.

     

    The
      REMIC
      3 Sub WAC Allocation Percentage of all Realized Losses on the REMIC 2 Regular
      Interests shall be deemed to have been allocated so as to keep the
      Uncertificated Principal Balance of each REMIC 3 Regular Interest ending with
      the designation “GRP” equal to 1.00% of the aggregate Stated Principal Balance
      of the Mortgage Loans in the related Loan Group; second, to each REMIC 3 Regular
      Interest ending with the designation “SUB,” so that the Uncertificated Principal
      Balance of each such REMIC 3 Regular Interest is equal to 1.00% of the excess
      of
      (x) the aggregate Stated Principal Balance of the Mortgage Loans in the related
      Loan Group over (y) the current Class Principal Balance of the Senior
      Certificates in the related Loan Group (except that if any such excess is a
      larger number than in the preceding distribution period, the least amount of
      Realized Losses shall be applied to such REMIC 3 Regular Interests such that
      the
      REMIC 3 Subordinated Balance Ratio is maintained); and third, any remaining
      Realized Losses shall be allocated to REMIC 3 Regular Interest
      MTII-XX.

     

    
      	SECTION
              4.06  	
              Monthly
                Statements to Certificateholders.

            

    

     

    (a)  Not
      later
      than each Distribution Date, the Trustee shall prepare, and make available
      on
      the website maintained by the Trustee at www.usbank.com/abs, a statement setting
      forth with respect to the related distribution, the items listed on Exhibit
      V.
      The Trustee shall post on the above referenced website, on a monthly basis,
      current loan level data reports about the Mortgage Loans in the Trust Fund.
      

     

    Assistance
      in using the website can be obtained by calling the Trustee’s Bondholder
      Services at 800-934-6802. Parties that are unable to use the website are
      entitled to have a paper copy mailed to them via first class mail by written
      notice to the Trustee at its Corporate Trust Office. The Trustee’s
      responsibility for disbursing the above information to the Certificateholders
      is
      limited to the availability, timeliness and accuracy of the information derived
      from the Servicer. The foregoing information shall be reported to the Trustee
      each month on or before the Servicer Data Remittance Date.

     

    (b)  [reserved].

     

    (c)  Within
      a
      reasonable period of time after the end of each calendar year, the Trustee
      shall
      cause to be furnished to each Person who at any time during the calendar year
      was a Certificateholder, a statement containing the information set forth in,
      items (i)(c), (i)(d), (i)(g), (i)(j), (i)(k), (ii)(c), (ii)(d), (ii)(g),
      (ii)(i), (v)(d), (v)(e) and (v)(s) of Exhibit V aggregated for such calendar
      year or applicable portion thereof during which such Person was a
      Certificateholder. Such obligation of the Trustee shall be deemed to have been
      satisfied to the extent that substantially comparable information shall be
      provided by the Trustee pursuant to any requirements of the Code as from time
      to
      time in effect.

     

    For
      purposes of the information reported in the Monthly Statement to
      Certificateholders prepared by the Trustee, a Mortgage Loan is considered to
      be
      delinquent for purposes of trust reporting in accordance with the definition
      of
“Delinquent.” 

     

    (d)  In
      addition to the foregoing, the Trustee shall post an electronic file containing
      current loan level data with respect to the Mortgage Loans (“Loan Level Data”),
      on a monthly basis, to the website referred to in Section 4.06(a). The Loan
      Level Data will include fields as agreed to by the Depositor and the Trustee
      from time to time. The Loan Level Data will be based solely on information
      provided by the Servicer, and the Trustee’s provision of the Loan Level Data is
      subject to the availability, timeliness and accuracy of the information provided
      by the Servicer. The Loan Level Data will not include any personally
      identifiable information, including but not limited to: borrower name, borrower
      address, property address, borrower social security number, and originator’s
      loan account number. The Loan Level Data may include recent property valuation
      information, including based on a recent broker’s price opinion. As agreed to by
      the Depositor and the Trustee, the format of the Loan Level Data may be modified
      at any time, and the posting of the Loan Level Data may be discontinued at
      any
      time. The Trustee will not be required to provide the Loan Level Data in paper
      form. 

     

    
      	SECTION
              4.07  	
              Distributions
                on the REMIC 1 Regular Interests, REMIC 2 Regular Interests and REMIC
                3
                Regular Interests.

            

    

     

    (a) Distributions
      on the REMIC 1 Regular Interests.

     

    On
      each
      Distribution Date, the Trustee shall cause in the following order of priority,
      the following amounts to be distributed by REMIC 1 to REMIC 2 on account of
      the
      REMIC 1 Regular Interests or withdrawn from the Distribution Account and
      distributed to the holders of the Class A-R Certificates (in respect of the
      Class R-1 Interest), as the case may be: 

     

    With
      respect to the Group 1 Loans:

     

    (i)  first,
      to
      Holders of REMIC 1 Regular Interests LTI-1 and LTI-S1, an amount equal to (x)
      the related Uncertificated Accrued Interest for such Distribution Date, plus
      (y)
      any amounts in respect thereof remaining unpaid from previous Distribution
      Dates;

     

    (ii)  second,
      to the Holders of REMIC 1 Regular Interests, in an amount equal to the remainder
      of the Available Funds for such Distribution Date after the distributions made
      pursuant to clause (i) above and, in the case of distributions made pursuant
      to
      Section 4.07(a)(ii)(C), the amount of any Prepayment Charges for such
      Distribution Date, allocated as follows: 

     

    (A) to
      the
      Holders of REMIC 1 Regular Interest LTI-1, until the Uncertificated Principal
      Balance of REMIC 1 Regular Interest LTI-1 is reduced to zero; and

     

    (B) to
      the
      Holders of REMIC 1 Regular Interest LTI-P, the amount of any Prepayment Charges
      for such Distribution Date. 

     

    (C) Any
      remaining amount to the Holders of the Class A-R Certificates (in respect of
      the
      Class R-1 Interest). 

     

    With
      respect to the Group 2 Loans

     

    (i)  first,
      to
      Holders of REMIC 1 Regular Interests LT1-2, LTI-S2, LTI-AR, LTI-P and LTI-2PF
      an
      amount equal to (x) the related Uncertificated Accrued Interest for such
      Distribution Date, plus (y) any amounts in respect thereof remaining unpaid
      from
      previous Distribution Dates;

     

    (ii)  second,
      to the Holders of REMIC 1 Regular Interests, in an amount equal to the remainder
      of the Available Funds for such Distribution Date after the distributions made
      pursuant to clause (i) above and, in the case of distributions made pursuant
      to
      Section 4.07(a)(ii)(C), the amount of any Prepayment Charges for such
      Distribution Date, allocated as follows: 

     

    (A) to
      the
      Holders of REMIC 1 Regular Interest LTI-AR and REMIC 1 Regular Interest LTI-P,
      an amount of principal shall be distributed to such Holders in the same amount
      and priority as principal is distributed to the Corresponding Certificate until
      the Uncertificated Principal Balance of each such REMIC 1 Regular Interest
      is
      reduced to zero (provided, however, no principal shall be paid to REMIC 1
      Regular Interest LTI-P prior to the Distribution Date in March
      2012);

     

    (B) to
      the
      Holders of REMIC 1 Regular Interest LTI-2, until the Uncertificated Principal
      Balance of REMIC 1 Regular Interest LTI-2 is reduced to zero; 

     

    (C) to
      the
      Holders of REMIC 1 Regular Interest LTI-2PF, until the Uncertificated Principal
      Balance of REMIC 1 Regular Interest LTI-2PF is reduced to zero;

     

    (D) to
      the
      Holders of REMIC 1 Regular Interest LTI-P, the amount of any Prepayment Charges
      for such Distribution Date; and

     

    (E) Any
      remaining amount to the Holders of the Class A-R Certificates (in respect of
      the
      Class R-1 Interest).

     

    Notwithstanding
      the foregoing, for the first three Distribution Dates, such amounts constituting
      Available Funds relating to the Group 2 Initial Mortgage Loans shall be
      allocated to REMIC 1 Regular Interest LTI-2, and such amounts constituting
      Available Funds relating to the Subsequent Mortgage Loans and shall be allocated
      to REMIC 1 Regular Interest LT-2PF.

     

    (b) Distributions
      on the REMIC 2 Regular Interests.

     

    On
      each
      Distribution Date, the following amounts, in the following order of priority,
      shall be distributed by REMIC 2 to REMIC 3 on account of REMIC 2 Regular
      Interests or withdrawn from the Distribution Account and distributed to the
      holders of the Class A-R Certificates (in respect of the Class R-2 Interest),
      as
      the case may be:

     

    (i) first,
      to
      the Holders of each REMIC 2 Regular Interest, pro
      rata,
      in an
      amount equal to (A) Uncertificated Accrued Interest for such REMIC 2 Regular
      Interests for such Distribution Date, plus (B) any amounts payable in respect
      thereof remaining unpaid from previous Distribution Dates.

     

    (ii) second,
      to the Holders of REMIC 2 Regular Interests, in an amount equal to the remainder
      of the Available Funds for such Distribution Date after the distributions made
      pursuant to clause (i) above and, in the case of distributions made pursuant
      to
      Section 4.07(b)(ii)(C), the amount of any Prepayment Charges for such
      Distribution Date, allocated as follows:

     

    With
      respect to the Group 1 Loans

     

    (A) to
      the
      Holders of REMIC 2 Regular Interest MTI-AR and MTI-P an amount of principal
      shall be distributed to such Holders in the same amount and priority as
      principal is distributed to the Corresponding Certificate until the
      Uncertificated Principal Balance of each such REMIC 2 Regular Interest is
      reduced to zero; 

     

    (B) to
      the
      extent of amounts remaining after the distributions made pursuant to clause
      (i)
      and (ii)(A) above, payments of principal shall be allocated, pro
      rata,
      to
      REMIC 2 Regular Interests MTI-1-A and MTI-1-B until the Uncertificated Principal
      Balance of each such REMIC 2 Regular Interest is reduced to zero; 

     

    (C) to
      the
      extent of amounts remaining after the distributions made pursuant to clause
      (i)
      and (ii)(A) and (B) above, payments of principal shall be allocated to REMIC
      2
      Regular Interest MTI-1X1 until the Uncertificated Principal Balance of such
      REMIC 2 Regular Interest is reduced to zero; 

     

    (D) to
      the
      Holders of REMIC 2 Regular Interest MTI-P, the amount of any Prepayment Charges
      for such Distribution Date; and

     

    (E) and
      any
      remaining amount to the Holders of the Class A-R Certificates (in respect of
      the
      Class R-2 Interest).

     

    With
      respect to the Group 2 Loans

     

    (A) to
      the
      Holders of REMIC 2 Regular Interests MTI-2-A and MTI-2-B until the
      Uncertificated Principal Balance of each such REMIC 2 Regular Interest is
      reduced to zero; 

     

    (C) to
      the
      extent of amounts remaining after the distributions made pursuant to clause
      (i)
      and (ii)(A) above, payments of principal shall be allocated to REMIC 2 Regular
      Interest MTI-2X1 until the Uncertificated Principal Balance of such REMIC 2
      Regular Interest is reduced to zero; 

     

    (D) to
      the
      Holders of REMIC 2 Regular Interest MTI-P, the amount of any Prepayment Charges
      for such Distribution Date; and

     

    (E) and
      any
      remaining amount to the Holders of the Class A-R Certificates (in respect of
      the
      Class R-2 Interest).

     

    (b)  Distributions
      on the REMIC 3 Regular Interests.

     

    On
      each
      Distribution Date, the Trustee shall cause in the following order of priority,
      the following amounts to be distributed by REMIC 3 to REMIC 4 on account of
      the
      REMIC 3 Regular Interests or withdrawn from the Distribution Account and
      distributed to the Holders of the Class A-R Certificates (in respect of the
      Class R-3 Interest), as the case may be:

     

    (i) first,
      to
      the extent of the sum of Available Funds for such Distribution Date, to the
      Holder of REMIC 3 Regular Interest MTII-IO 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 then
      to Holders of REMIC 3 Regular Interests MTII-AA, MTII-1A-1, MTII-2A-1,
      MTII-2A-2, MTII-2A-3, MTII-M-1, MTII-M-2, MTII-M-3, MTII-M-4, MTII-M-5,
      MTII-M-6, MTII-M-7, MTII-M-8, MTII-M-9, MTII-ZZ, MTII-P, MTII-R and MTII-S
      pro
      rata, 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. Amounts payable as Uncertificated Accrued Interest
      in respect of REMIC 3 Regular Interest MTII-ZZ shall be reduced when the REMIC
      3
      Overcollateralization Amount is less than the REMIC 3 Overcollateralization
      Target Amount, by the lesser of (x) the amount of such difference and (y) the
      REMIC 3 Regular Interest MTII ZZ Maximum Interest Deferral Amount and such
      amount will be payable to the Holders of REMIC 3 Regular Interest MTII-1A-1,
      MTII-2A-1, MTII-2A-2, MTII-2A-3, MTII-M-1, MTII-M-2, MTII-M-3, MTII-M-4,
      MTII-M-5, MTII-M-6, MTII-M-7, MTII-M-8 and MTII-M-9 in the same proportion
      as
      the amounts are allocated to the Corresponding Certificate, pursuant to Section
      4.02(b) herein, for each such REMIC 3 Regular Interest, and the Uncertificated
      Principal Balance of the REMIC 3 Regular Interest MTII-ZZ shall be increased
      by
      such amount;

     

    (ii) second,
      to the Holders of REMIC 3 Regular Interests, in an amount equal to the remainder
      of the Available Funds for such Distribution Date after the distributions made
      pursuant to clause (i) above and, in the case of distributions made pursuant
      to
      Section 4.07(c)(ii)(B), the amount of any Prepayment Charges for such
      Distribution Date, allocated as follows:

     

    (A) to
      the
      Holders of REMIC 3 Regular Interest MTII-R, an amount equal to the amount of
      principal distributed to the holder of the Corresponding Certificate on such
      Distribution Date pursuant to Section 4.02(b); and

     

    (B) to
      the
      Holders of REMIC 3 Regular Interest MTII-P, an amount equal to the amount of
      principal distributed to the holder of the Corresponding Certificate on such
      Distribution Date pursuant to Section 4.02(b); and

     

    (iii) third,
      to
      the Holders of REMIC 3 Regular Interests, in an amount equal to the remainder
      of
      the REMIC 3 Marker Allocation Percentage of Available Funds for such
      Distribution Date after the distributions made pursuant to clauses (i) and
      (ii)
      above, allocated as follows:

     

    (A) 98%
      of
      such remainder to the Holders of REMIC 3 Regular Interest MTII-AA, until the
      Uncertificated Principal Balance of such REMIC 3 Regular Interest is reduced
      to
      zero;

     

    (B) 2%
      of
      such remainder, first, to the Holders of REMIC 3 Regular Interest MTII-1A-1,
      MTII-2A-1, MTII-2A-2, MTII-2A-3, MTII-M-1, MTII-M-2, MTII-M-3, MTII-M-4,
      MTII-M-5, MTII-M-6, MTII-M-7, MTII-M-8 and MTII-M-9 equal to 1% of and in the
      same proportion as principal payments are allocated to the Corresponding
      Certificates, until the Uncertificated Principal Balances of such REMIC 3
      Regular Interests are reduced to zero; and second, to the Holders of REMIC
      3
      Regular Interest MTII-ZZ, until the Uncertificated Principal Balance of such
      REMIC 3 Regular Interest is reduced to zero; 

     

    (iv) fourth,
      to the Holders of REMIC 3 Regular Interests, in an amount equal to the remainder
      of the REMIC 3 Sub WAC Allocation Percentage of Available Funds for such
      Distribution Date after the distributions made pursuant to clause (iii) above,
      such that distributions of principal shall be deemed to be made to the REMIC
      3
      Regular Interests first, so as to keep the Uncertificated Principal Balance
      of
      each REMIC 3 Regular Interest ending with the designation “GRP” equal to 1.00%
      of the aggregate Stated Principal Balance of the Mortgage Loans in the related
      Loan Group; second, to each REMIC 3 Regular Interest ending with the designation
      “SUB,” so that the Uncertificated Principal Balance of each such REMIC 3 Regular
      Interest is equal to 1.00% of the excess of (x) the aggregate Stated Principal
      Balance of the Mortgage Loans in the related Loan Group over (y) the current
      Class Principal Balance of the Senior Certificates in the related Loan Group
      (except that if any such excess is a larger number than in the preceding
      distribution period, the least amount of principal shall be distributed to
      such
      REMIC 3 Regular Interests such that the REMIC 3 Subordinated Balance Ratio
      is
      maintained); and third, any remaining principal to REMIC 3 Regular Interest
      MTII-XX;

     

    (C) any
      remaining amount to the Holders of the Class A-R Certificates (in respect of
      the
      Class R-4 Interest). (d) Distributions
      on the REMIC 4 Regular Interests.

     

    On
      each
      Distribution Date, the Trustee shall cause in the following order of priority,
      the following amounts to be distributed by REMIC 4 to REMIC 5 on account of
      the
      REMIC 4 Regular Interests or withdrawn from the Distribution Account and
      distributed to the holders of the Class A-R Certificates (in respect of the
      Class R-4 Interest), as the case may be:

     

    (i) first,
      to
      the extent of the sum of Available Funds for such Distribution Date, to the
      Holder of REMIC 3 Regular Interest MTII-IO 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 then
      to Holders of REMIC 3 Regular Interests MTII-AA, MTII-1A-1, MTII-2A-1,
      MTII-2A-2, MTII-2A-3, MTII-M-1, MTII-M-2, MTII-M-3, MTII-M-4, MTII-M-5,
      MTII-M-6, MTII-M-7, MTII-M-8, MTII-M-9, MTII-ZZ, MTII-P, MTII-R and MTII-S
      pro
      rata, 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. Amounts payable as Uncertificated Accrued Interest
      in respect of REMIC 3 Regular Interest MTII-ZZ shall be reduced when the REMIC
      3
      Overcollateralization Amount is less than the REMIC 3 Overcollateralization
      Target Amount, by the lesser of (x) the amount of such difference and (y) the
      REMIC 3 Regular Interest MTII ZZ Maximum Interest Deferral Amount and such
      amount will be payable to the Holders of REMIC 3 Regular Interest MTII-1A-1,
      MTII-2A-1, MTII-2A-2, MTII-2A-3, MTII-M-1, MTII-M-2, MTII-M-3, MTII-M-4,
      MTII-M-5, MTII-M-6, MTII-M-7, MTII-M-8 and MTII-M-9 in the same proportion
      as
      the amounts are allocated to the Corresponding Certificate, pursuant to Section
      4.02(b) herein, for each such REMIC 3 Regular Interest, and the Uncertificated
      Principal Balance of the REMIC 3 Regular Interest MTII-ZZ shall be increased
      by
      such amount;

     

    (ii) second,
      to the Holders of REMIC 3 Regular Interests, in an amount equal to the remainder
      of the Available Funds for such Distribution Date after the distributions made
      pursuant to clause (i) above and, in the case of distributions made pursuant
      to
      Section 4.07(c)(ii)(B), the amount of any Prepayment Charges for such
      Distribution Date, allocated as follows:

     

    (A) to
      the
      Holders of REMIC 3 Regular Interest MTII-R, an amount equal to the amount of
      principal distributed to the holder of the Corresponding Certificate on such
      Distribution Date pursuant to Section 4.02(b); and

     

    (B) to
      the
      Holders of REMIC 3 Regular Interest MTII-P, an amount equal to the amount of
      principal distributed to the holder of the Corresponding Certificate on such
      Distribution Date pursuant to Section 4.02(b); and

     

    (iii) third,
      to
      the Holders of REMIC 3 Regular Interests, in an amount equal to the remainder
      of
      the REMIC 3 Marker Allocation Percentage of Available Funds for such
      Distribution Date after the distributions made pursuant to clauses (i) and
      (ii)
      above, allocated as follows:

     

    (A) 98%
      of
      such remainder to the Holders of REMIC 3 Regular Interest MTII-AA, until the
      Uncertificated Principal Balance of such REMIC 3 Regular Interest is reduced
      to
      zero;

     

    (B) 2%
      of
      such remainder, first, to the Holders of REMIC 3 Regular Interest MTII-1A-1,
      MTII-2A-1, MTII-2A-2, MTII-2A-3, MTII-M-1, MTII-M-2, MTII-M-3, MTII-M-4,
      MTII-M-5, MTII-M-6, MTII-M-7, MTII-M-8 and MTII-M-9 equal to 1% of and in the
      same proportion as principal payments are allocated to the Corresponding
      Certificates, until the Uncertificated Principal Balances of such REMIC 3
      Regular Interests are reduced to zero; and second, to the Holders of REMIC
      3
      Regular Interest MTII-ZZ, until the Uncertificated Principal Balance of such
      REMIC 3 Regular Interest is reduced to zero; 

     

    (iv) fourth,
      to the Holders of REMIC 3 Regular Interests, in an amount equal to the remainder
      of the REMIC 3 Sub WAC Allocation Percentage of Available Funds for such
      Distribution Date after the distributions made pursuant to clause (iii) above,
      such that distributions of principal shall be deemed to be made to the REMIC
      3
      Regular Interests first, so as to keep the Uncertificated Principal Balance
      of
      each REMIC 3 Regular Interest ending with the designation “GRP” equal to 1.00%
      of the aggregate Stated Principal Balance of the Mortgage Loans in the related
      Loan Group; second, to each REMIC 3 Regular Interest ending with the designation
      “SUB,” so that the Uncertificated Principal Balance of each such REMIC 3 Regular
      Interest is equal to 1.00% of the excess of (x) the aggregate Stated Principal
      Balance of the Mortgage Loans in the related Loan Group over (y) the current
      Class Principal Balance of the Senior Certificates in the related Loan Group
      (except that if any such excess is a larger number than in the preceding
      distribution period, the least amount of principal shall be distributed to
      such
      REMIC 3 Regular Interests such that the REMIC 3 Subordinated Balance Ratio
      is
      maintained); and third, any remaining principal to REMIC 3 Regular Interest
      MTII-XX;

     

    (v) fifth,
      any remaining amount to the Holders of the Class A-R Certificates (in respect
      of
      the Class R-4 Interest).

     

    
      	SECTION
              4.08  	
              [Reserved].

            

    

     

    
      	SECTION
              4.09  	
              Prepayment
                Charges.

            

    

     

    Notwithstanding
      anything in this Agreement to the contrary, in the event of a Principal
      Prepayment of a Mortgage Loan, the Servicer may not waive any Prepayment Charge
      or portion thereof required by the terms of the related Mortgage Note unless
      (i)
      the Mortgage Loan is in default or foreseeable default and such waiver (a)
      is
      standard and customary in servicing similar mortgage loans to the Mortgage
      Loans
      and (b) would, in the reasonable judgment of the Servicer, maximize recovery
      of
      total proceeds taking into account the value of such Prepayment Charge and
      the
      related Mortgage Loan, (ii)(A) the enforceability thereof is limited (1) by
      bankruptcy, insolvency, moratorium, receivership, or other similar law relating
      to creditors’ rights generally or (2) due to acceleration in connection with a
      foreclosure or other involuntary payment, or (B) the enforceability is otherwise
      limited or prohibited by applicable law, (iii) the enforceability would be
      considered “predatory” pursuant to written guidelines issued by any applicable
      federal, state or local authority having jurisdiction over such matters, (iv)
      the Servicer is unable to locate documentation sufficient to allow it to confirm
      the existence and amount of such Prepayment Charge after using commercially
      reasonable efforts to locate such documentation, which efforts shall include,
      but are not limited to, seeking such documentation from the Depositor, the
      Seller, the Custodians and from its own records or files or (v) the Mortgaged
      Property has been damaged such that the current value of the Mortgaged Property
      has been reduced by at least half as a result of a natural disaster or other
      insured or uninsured peril, and the Mortgagor has elected to pay the Loan in
      full rather than rebuild the Mortgaged Property. For the avoidance of doubt,
      the
      Servicer may waive a Prepayment Charge in connection with a short sale or short
      payoff on a defaulted Mortgage Loan. If the Servicer has waived all or a portion
      of a Prepayment Charge relating to a Principal Prepayment, other than as
      provided above, the Servicer shall deliver to the Trustee no later than the
      Business Day immediately preceding the next Distribution Date, for deposit
      into
      the Certificate Account the amount of such Prepayment Charge (or such portion
      thereof as had been waived) for distribution in accordance with the terms of
      this Agreement; provided, however, the Servicer shall not have any obligation
      to
      pay the amount of any uncollected Prepayment Charge under this Section 4.09
      if
      the Servicer did not have a copy of the related Mortgage Note, the Servicer
      requested via email a copy of the same from the Trustee and the Trustee failed
      to provide such a copy within two (2) Business Days of receipt of such request.
      If the Servicer has waived all or a portion of a Prepayment Charge for any
      reason, it shall promptly notify the Trustee thereof and shall include such
      information in any monthly reports it provides the Trustee. Notwithstanding
      any
      provision in this Agreement to the contrary, in the event the Prepayment Charge
      payable under the terms of the Mortgage Note is different from the amount of
      the
      Prepayment Charge set forth in the Mortgage Loan Schedule or other information
      provided to the Servicer, the Servicer shall rely conclusively on the Prepayment
      Charge as set forth under the terms of the Mortgage Note. To the extent the
      Prepayment Charge payable under the terms of the Mortgage Note is less than
      the
      amount of the Prepayment Charge set forth in the Mortgage Loan Schedule or
      other
      information provided to the Servicer, the Servicer shall not have any liability
      or obligation with respect to such difference, and in addition shall not have
      any liability or obligation to pay the amount of any uncollected Prepayment
      Charge if the failure to collect such amount is the direct result of inaccurate
      or incomplete information on the Mortgage Loan Schedule.

     

    
      	SECTION
              4.10  	
              Servicer
                to Cooperate.

            

    

     

    The
      Servicer shall provide to the Trustee the information set forth in Exhibit
      Z
      hereto in such form as the Trustee shall reasonably request with respect to
      each
      Mortgage Loan no later than twelve noon on the Servicer Data Remittance Date
      to
      enable the Trustee to calculate the amounts to be distributed to each Class
      of
      Certificates and otherwise perform its distribution, accounting and reporting
      requirements hereunder.

     

    
      	SECTION
              4.11  	
              The
                Swap Agreement; Supplemental Interest
                Trust.

            

    

     

    (a)  On
      the
      Closing Date, the Supplemental Interest Trust Trustee shall establish and
      maintain in the name of the Supplemental Interest Trust Trustee, as a separate
      trust for the benefit of the Certificates, the Supplemental Interest Trust.
      The
      Supplemental Interest Trust shall hold the Swap Agreement and the Swap Account.
      The Swap Account shall be an Eligible Account, and funds on deposit therein
      shall be held separate and apart from, and shall not be commingled with, any
      other moneys, including without limitation, other moneys held by the Trustee
      pursuant to this Agreement.

     

    (b)  On
      or
      prior to the Closing Date, the Supplemental Interest Trust Trustee is hereby
      directed to enter into the Swap Agreement for the benefit of the Holders of
      the
      Certificates and to exercise the rights, perform the obligations, and make
      representations of Party B thereunder, solely, in its capacity as Supplemental
      Interest Trust Trustee on behalf of Party B (as defined therein) and not in
      its
      individual capacity.

     

    The
      Seller, the Servicer, the Depositor and the Holders of the Certificates (by
      acceptance of their Certificates) acknowledge and agree that:

     

    (i)
      the
      Supplemental Interest Trust Trustee shall execute and deliver the Swap Agreement
      on behalf of Party B (as defined therein), and

    

    (ii)
      the
      Supplemental Interest Trust Trustee shall exercise the rights, perform the
      obligations, and make the representations of Party B thereunder, solely in
      its
      capacity as Supplemental Interest Trust Trustee on behalf of Party B (as defined
      therein) and not in its individual capacity.

     

    The
      Swap
      Agreement will be an asset of the Supplemental Interest Trust but will not
      be an
      asset of any REMIC. On each Distribution Date, the Supplemental Interest Trust
      Trustee shall deposit any Net Swap Payments paid by the Counterparty to the
      Supplemental Interest Trust Trustee, pursuant to the Swap Agreement, into the
      Swap Account. 

     

    (c)  Net
      Swap
      Payments and Swap Termination Payments (other than Swap Termination Payments
      resulting from a Counterparty Trigger Event and to the extent not paid by the
      Supplemental Interest Trust Trustee from any upfront payment received pursuant
      to any related replacement swap agreement that may be entered into by the
      Supplemental Interest Trust Trustee) payable by the Supplemental Interest Trust
      Trustee to the Counterparty pursuant to the Swap Agreement shall be deducted
      from the Interest Remittance Amount, and to the extent of any such remaining
      amounts due, from the Principal Remittance Amount, prior to any distributions
      to
      the Certificateholders. On or before each Swap Payment Date, such amounts will
      be remitted to the Counterparty, first to make any Net Swap Payment owed to
      the
      Counterparty pursuant to the Swap Agreement for such Swap Payment Date, and
      second to make any Swap Termination Payment (not due to a Counterparty Trigger
      Event and to the extent not paid by the Supplemental Interest Trust Trustee
      from
      any upfront payment received pursuant to any related replacement swap agreement
      that may be entered into by the Supplemental Interest Trust Trustee) owed to
      the
      Counterparty pursuant to the Swap Agreement for such Swap Payment Date. For
      federal income tax purposes, such amounts paid to the Counterparty on each
      Swap
      Payment Date shall first be deemed paid to the Counterparty in respect of the
      Class IO Interest to the extent of the amount distributable on such Class IO
      Interest on such Distribution Date, and any remaining amount shall be deemed
      paid to the Counterparty in respect of a Class IO Distribution Amount. Any
      Swap
      Termination Payment triggered by a Counterparty Trigger Event owed to the
      Counterparty pursuant to the Swap Agreement will be subordinated to
      distributions to the Holders of the Class A Certificates and Class M
      Certificates and shall be paid as set forth under Section
      4.02(b)(iv)W.

     

    (d)  The
      Supplemental Interest Trust Trustee will prepare and deliver any notices
      required to be delivered to the Counterparty under Sections 2(b), 2(d), 4(d),
      5(a), 6(a), 6(b), 6(d) and 12(b) of the ISDA Master Agreement.

     

    (e)  The
      Supplemental Interest Trust Trustee shall terminate the Swap Agreement upon
      the
      occurrence of an event of default under the Swap Agreement of which a
      Responsible Officer of the Supplemental Interest Trust Trustee has actual
      knowledge. Upon such a termination, the Counterparty may be required to pay
      a
      termination payment to the Supplemental Interest Trust Trustee in respect of
      the
      Swap Agreement. Any such termination payment shall be applied by the
      Supplemental Interest Trust Trustee to the purchase of a substantially
      equivalent swap agreement at the written direction of the Majority in Interest
      Class X-1 Certificateholder. In addition, any payments received from a
      replacement swap counterparty as payment to enter a replacement transaction
      shall be used to pay any termination payments still owing to the Counterparty.
      In the event that a replacement swap agreement is not obtained within 30 days
      after receipt by the Supplemental
      Interest Trust Trustee,
      on behalf of the Supplemental Interest Trust, of the Swap Termination Payment
      paid by the original Counterparty, the Supplemental Interest Trust Trustee
      will
      deposit such Swap Termination Payment into the Swap Account and will, on each
      Distribution Date, withdraw from the Swap Account an amount equal to the Net
      Swap Payment, if any, that would have been paid to the Supplemental Interest
      Trust by the original Counterparty (computed in accordance with the terms of
      the
      original Swap Agreement) and distribute such amount in the priority set forth
      below.

     

    (f)  On
      each
      Distribution Date, the Trustee shall distribute amounts on deposit in the Swap
      Account to pay the following amounts:

     

    (i)  to
      the
      Class 1A-1, Class 2A-1, Class 2A-2 and Class 2A-3 Certificates, pro rata based
      on amounts due, Current Interest and any Carryforward Interest for each such
      class and such Distribution Date, after giving effect to distributions of such
      amounts pursuant to Section 4.02(b)(i)B.;

     

    (ii)  to
      the
      Class M-1, Class M-2, Class M-3, Class M-4, Class M-5, Class M-6, Class M-7,
      Class M-8 and Class M-9 Certificates, in that order, Current Interest and any
      Carryforward Interest for each such class and such Distribution Date, after
      giving effect to distributions of such amounts pursuant to Section 4.02(b)(i)C.
      through K.;

     

    (iii)  to
      the
      Principal Remittance Amount, up to the amount of Realized Losses on the Mortgage
      Loans incurred during the related Collection Period prior to giving effect
      to
      amounts available to be paid in respect of Excess Cashflow Loss Payments
      pursuant to Section 4.02(b)(iv)A.; 

     

    (iv)  to
      the
      Class M-1, Class M-2, Class M-3, Class M-4, Class M-5, Class M-6, Class M-7,
      Class M-8 and Class M-9 Certificates, in that order, any applicable Deferred
      Amounts, with interest therein at the applicable Pass-Through Rate, prior to
      giving effect to amounts available to be paid in respect of Deferred Amounts
      as
      described in Section 4.02(b)(iv)D. through L. on such Distribution Date;
      and

     

    (v)  to
      the
      Class 1A-1, Class 2A-1, Class 2A-2 and Class 2A-3 Certificates, on a pro rata
      basis, and then to the Class M-1, Class M-2, Class M-3, Class M-4, Class M-5,
      Class M-6, Class M-7, Class M-8 and Class M-9 Certificates, in that order,
      any
      Basis Risk Shortfall, prior to giving effect to amounts available to be paid
      in
      respect of Basis Risk Shortfalls as described in Section 4.02(b)(iv)M. through
      V. on such Distribution Date.

     

    (g)  Funds
      in
      the Swap Account may be invested in Eligible Investments by the Trustee at
      the
      written direction of the Majority in Interest Class X-1 Certificateholder
      maturing on or prior to the next succeeding Distribution Date. The Trustee
      shall
      account for the Swap Account as an outside reserve fund within the meaning
      of
      Treasury regulation 1.860G-2(h) and not an asset of any REMIC created pursuant
      to this Agreement. The Trustee shall treat amounts paid by the Swap Account
      as
      payments made from outside the REMICs for all federal tax purposes. Any net
      investment earnings on such amounts shall be payable to the Class X-1
      Certificateholders. It is the intention of the parties hereto that, for federal
      and state income and state and local franchise tax purposes, the Swap Account
      be
      disregarded as an entity separate from the Holder of the Class X-1 Certificates
      unless and until the date when either (a) there is more than one Class X-1
      Certificateholder or (b) any Class of Certificates in addition to the Class
      X-1
      Certificates is recharacterized as an equity interest in the Swap Account for
      federal income tax purposes, in which case it is the intention of the parties
      hereto that, for federal and state income and state and local franchise tax
      purposes, the Swap Account be treated as a partnership. The Majority in Interest
      Class X-1 Certificateholder shall direct the Trustee in writing as to the
      investment of amounts therein. In the absence of such written direction, all
      funds in the Swap Account shall remain uninvested with no liability for interest
      or other compensation thereon. The Trustee shall have no liability for losses
      on
      investments in Eligible Investments made pursuant to this Section 4.11(g) (other
      than as obligor on any such investments). Upon termination of the Trust Fund,
      any amounts remaining in the Swap Account shall be distributed to the Class
      X-1
      Certificateholders.

     

    (h)  Amounts
      paid under the Swap Agreement not used on any Distribution Date as described
      in
      Section 4.11(f) shall remain on deposit in the Swap Account and may be available
      on future Distribution Dates to make the payments described in Section 4.11(f).
      On the Distribution Date on which the aggregate Class Principal Balance of
      the
      Certificates is reduced to zero, any amounts remaining in the Swap Account
      shall
      be released to the Class X-1 Certificateholders.

     

    (i)   In
      connection with paragraph 7(i) of the Credit Support Annex, upon the
      Counterparty's failure to post collateral with the Supplemental Interest Trust
      Trustee, the Supplemental Interest Trust Trustee (to the extent it has actual
      knowledge) shall provide, no later than the next Business Day after the date
      such collateral was required to be posted, to the Counterparty a written
      notice of such failure.

     

    (j)  In
      the
      event that the Counterparty fails to perform any of its obligations under the
      Swap Agreement (including, without limitation, its obligation to make any
      payment or transfer collateral), or breaches any of its representations and
      warranties thereunder, or in the event that any Event of Default, Termination
      Event, or Additional Termination Event (each as defined in the Swap Agreement)
      occurs with respect to the Swap Agreement, the Supplemental Interest Trust
      Trustee shall, promptly following actual notice of such failure, breach or
      event, notify the Depositor and send any notices and make any demands, on behalf
      of the Supplemental Interest Trust, required to enforce the rights of the
      Supplemental Interest Trust under the Swap Agreement.

     

    In
      the
      event that the Counterparty’s obligations are guaranteed by a third party under
      a guaranty relating to the Swap Agreement (such guaranty the “Guaranty” and such
      third party the “Guarantor”), then to the extent that the Counterparty fails to
      make any payment by the close of business on the day it is required to make
      payment under the terms of the Swap Agreement, the Supplemental Interest Trust
      Trustee shall, promptly following actual notice of the Counterparty’s failure to
      pay, demand that the Guarantor make any and all payments then required to be
      made by the Guarantor pursuant to such Guaranty; provided, that the Supplemental
      Interest Trust Trustee shall in no event be liable for any failure or delay
      in
      the performance by the Counterparty or any Guarantor of its obligations
      hereunder or pursuant to the Swap Agreement and the Guaranty, nor for any
      special, indirect or consequential loss or damage of any kind whatsoever
      (including but not limited to lost profits) in connection therewith.

     

    
      	SECTION
              4.12  	
              Supplemental
                Interest Trust Posted Collateral
                Account.

            

    

     

    (a)  On
      or
      before the Closing Date, the Supplemental Interest Trust Trustee shall establish
      a Supplemental Interest Trust Posted Collateral Account in trust for the benefit
      of the Holders of the Certificates. The Supplemental Interest Trust Posted
      Collateral Account must be an Eligible Account and shall be entitled
“Supplemental Interest Trust Posted Collateral Account, U.S. Bank National
      Association in trust for registered holders of Credit Suisse First Boston
      Mortgage Securities Corp., Home Equity Mortgage Pass-Through Certificates,
      Series 2006-6.” 

     

    (b)  The
      Supplemental Interest Trust Trustee shall credit to the Supplemental Interest
      Trust Posted Collateral Account all collateral (whether in the form of cash
      or
      securities) posted by the Counterparty to secure the obligations of the
      Counterparty in accordance with the terms of the Swap Agreement. Except for
      investment earnings, if any, the Counterparty shall not have any legal,
      equitable or beneficial interest in the Supplemental Interest Trust Posted
      Collateral Account other than in accordance with this Agreement, the Swap
      Agreement and applicable law. The Supplemental Interest Trust Trustee shall
      maintain and apply all collateral and earnings thereon on deposit in the
      Supplemental Interest Trust Posted Collateral Account in accordance with Credit
      Support Annex.

     

    (c)  Cash
      collateral posted by the Counterparty in accordance with the Credit Support
      Annex shall be invested at the direction of the Counterparty in Eligible
      Investments in accordance with the requirements of the Credit Support Annex.
      All
      amounts earned on amounts on deposit in the Collateral Account (whether cash
      collateral or securities) shall be for the account of and taxable to the
      Counterparty.

     

    (d)  Upon
      the
      occurrence of an Event of Default, a Termination Event, or an Additional
      Termination Event (each as defined in the Swap Agreement), amounts in the
      Supplemental Interest Trust Posted Collateral Account shall be withdrawn by
      the
      Supplemental Interest Trust Trustee and applied to the payment of any
      termination payment due to Party B (as defined in the Swap Agreement) in
      accordance with the Credit Support Annex. Any excess amounts held in such
      Supplemental Interest Trust Posted Collateral Account after payment of all
      amounts owing to Party B under the Swap Agreement shall be withdrawn from the
      Supplemental Interest Trust Posted Collateral Account and paid to the
      Counterparty in accordance with the Credit Support Annex. 

     

    
      
        
        

      

      
        
        

        
          

        

      

      
        
        

      

    

    

     

    ARTICLE
      V

     

    THE
      CERTIFICATES

     

    
      	SECTION
              5.01  	
              The
                Certificates.

            

    

     

    The
      Certificates shall be substantially in the forms attached hereto as exhibits.
      The Certificates shall be issuable in registered form, in the minimum
      denominations, integral multiples in excess thereof (except that one Certificate
      in each Class may be issued in a different amount which must be in excess of
      the
      applicable minimum denomination) and aggregate denominations per Class set
      forth
      in the Preliminary Statement.

     

    Subject
      to Section 9.02 respecting the final distribution on the Certificates, on each
      Distribution Date the Trustee shall make distributions to each Certificateholder
      of record on the preceding Record Date either (x) by wire transfer in
      immediately available funds to the account of such holder at a bank or other
      entity having appropriate facilities therefor, if (i) such Holder has so
      notified the Trustee at least five Business Days prior to the related Record
      Date and (ii) such Holder shall hold (A) a Notional Amount Certificate, (B)
      100%
      of the Class Principal Balance of any Class of Certificates or (C) Certificates
      of any Class with aggregate principal Denominations of not less than $1,000,000
      or (y) by check mailed by first class mail to such Certificateholder at the
      address of such holder appearing in the Certificate Register.

     

    The
      Certificates shall be executed by manual or facsimile signature on behalf of
      the
      Trustee by an authorized officer upon the written order of the Depositor.
      Certificates bearing the manual or facsimile signatures of individuals who
      were,
      at the time such signatures were affixed, authorized to sign on behalf of the
      Trustee shall bind the Trustee, notwithstanding that such individuals or any
      of
      them have ceased to be so authorized prior to the countersignature and delivery
      of any such Certificates or did not hold such offices at the date of such
      Certificate. No Certificate shall be entitled to any benefit under this
      Agreement, or be valid for any purpose, unless countersigned by the Trustee
      by
      manual signature, and such countersignature upon any Certificate shall be
      conclusive evidence, and the only evidence, that such Certificate has been
      duly
      executed and delivered hereunder. All Certificates shall be dated the date
      of
      their countersignature. On the Closing Date, the Trustee shall countersign
      the
      Certificates to be issued at the written direction of the Depositor, or any
      affiliate thereof.

     

    The
      Depositor shall provide, or cause to be provided, to the Trustee on a continuous
      basis, an adequate inventory of Certificates to facilitate
      transfers.

     

    The
      Trustee shall have no obligation or duty to monitor, determine or inquire as
      to
      compliance with any restriction or transfer imposed under Article V of this
      Agreement or under applicable law with respect to any transfer of any
      Certificate, or any interest therein, other than to require delivery of the
      certification(s) and/or opinions of counsel described in Article V applicable
      with respect to changes in registration of record ownership of Certificates
      in
      the Certificate Register. The Trustee shall have no liability for transfers,
      including transfers made through the book-entry facilities of the Depository
      or
      between or among Depository Participants or beneficial owners of the
      Certificates made in violation of applicable restrictions.

     

    
      	SECTION
              5.02  	
              Certificate
                Register; Registration of Transfer and Exchange of
                Certificates.

            

    

     

    (a)  The
      Trustee shall maintain, or cause to be maintained in accordance with the
      provisions of Section 5.06, a Certificate Register for the Trust Fund in which,
      subject to the provisions of subsections (b) and (c) below and 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. Upon surrender for registration of transfer of any Certificate,
      the Trustee shall execute and deliver, in the name of the designated transferee
      or transferees, one or more new Certificates of the same Class and aggregate
      Percentage Interest.

     

    At
      the
      option of a Certificateholder, Certificates may be exchanged for other
      Certificates of the same Class in authorized denominations and evidencing the
      same aggregate Percentage Interest upon surrender of the Certificates to be
      exchanged at the office or agency of the Trustee. Whenever any Certificates
      are
      so surrendered for exchange, the Trustee shall execute, authenticate, and
      deliver the Certificates which the Certificateholder making the exchange is
      entitled to receive. Every Certificate presented or surrendered for registration
      of transfer or exchange shall be accompanied by a written instrument of transfer
      in form satisfactory to the Trustee duly executed by the holder thereof or
      his
      attorney duly authorized in writing.

     

    No
      service charge to the Certificateholders shall be made for any registration
      of
      transfer or exchange of Certificates, but 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 may be required.

     

    All
      Certificates surrendered for registration of transfer or exchange shall be
      canceled and subsequently disposed of by the Trustee in accordance with the
      Trustee’s customary procedures.

     

    (b)  No
      transfer of a Private Certificate shall be made unless such transfer is made
      pursuant to an effective registration statement under the Securities Act and
      any
      applicable state securities laws or is exempt from the registration requirements
      under said Act and such state securities laws. Except in connection with any
      transfer of a Private Certificate by the Depositor to any affiliate or any
      transfer of a Private Certificate from the Depositor or an affiliate of the
      Depositor to an owner trust or other entity established by the Depositor, in
      the
      event that a transfer is to be made in reliance upon an exemption from the
      Securities Act and such laws, in order to assure compliance with the Securities
      Act and such laws, the Certificateholder desiring to effect such transfer and
      such Certificateholder’s prospective transferee shall each certify to the
      Trustee and the Depositor in writing the facts surrounding the transfer in
      substantially the form set forth in Exhibit J (the “Transferor Certificate”) and
      (i) deliver a letter in substantially the form of either (A) Exhibit K (the
      “Investment Letter”) provided that all of the Class X Certificates of a Class
      shall be transferred to one investor or the Depositor otherwise consents to
      such
      transfer, or (B) Exhibit L (the “Rule 144A Letter”) or (ii) there shall be
      delivered to the Trustee and the Depositor at the expense of the transferor
      an
      Opinion of Counsel that such transfer may be made pursuant to an exemption
      from
      the Securities Act. The Depositor shall provide to any Holder of a Private
      Certificate and any prospective transferee designated by any such Holder,
      information regarding the related Certificates and the Mortgage Loans and such
      other information as shall be necessary to satisfy the condition to eligibility
      set forth in Rule 144A(d)(4) for transfer of any such Certificate without
      registration thereof under the Securities Act pursuant to the registration
      exemption provided by Rule 144A. The Trustee and the Servicer shall cooperate
      with the Depositor in providing the Rule 144A information referenced in the
      preceding sentence, including providing to the Depositor such information
      regarding the Certificates, the Mortgage Loans and other matters regarding
      the
      Trust Fund as the Depositor shall reasonably request to meet its obligation
      under the preceding sentence. Each Holder of a Private Certificate desiring
      to
      effect such transfer shall, and does hereby agree to, indemnify the Trustee,
      the
      Depositor, the Seller and the Servicer 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.

     

    If
      any
      Certificate Owner that is required under this Section 5.02(b) to transfer its
      Book-Entry Certificates in the form of Definitive Certificates, (i) notifies
      the
      Trustee of such transfer or exchange and (ii) transfers such Book-Entry
      Certificates to the Trustee, in its capacity as such, through the book-entry
      facilities of the Depository, then the Trustee shall decrease the balance of
      such Book-Entry Certificates or, the Trustee shall use reasonable efforts to
      cause the surrender to the Certificate Registrar of such Book-Entry Certificates
      by the Depository, and thereupon, the Trustee shall execute, authenticate and
      deliver to such Certificate Owner or its designee one or more Definitive
      Certificates in authorized denominations and with a like aggregate principal
      amount.

     

    Any
      Certificate Owner of a Book-Entry Certificate other than any such “qualified
      institutional buyers” shall notify the Trustee of its status as such and shall
      transfer such Book-Entry Certificate to the Trustee, through the book-entry
      facilities of the Depository, whereupon, and also upon surrender to the Trustee
      of such Book-Entry Certificate by the Depository, (which surrender the Trustee
      shall use reasonable efforts to cause to occur), the Trustee shall execute,
      authenticate and deliver to such Certificate Owner or such Certificate Owner’s
      nominee one or more Definitive Certificates in authorized denominations and
      with
      a like aggregate principal amount.

     

    No
      transfer of an ERISA-Restricted Certificate shall be made unless the Trustee
      and
      the Depositor shall have received either (i) a representation from the
      transferee of such Certificate, acceptable to and in form and substance
      satisfactory to the Trustee (in the event such Certificate is a Private
      Certificate or a Residual Certificate, such requirement is satisfied only by
      the
      Trustee’s receipt of a representation letter from the transferee substantially
      in the form of Exhibit K or Exhibit L, or Exhibit I, as applicable), to the
      effect that such transferee is not an employee benefit plan or arrangement
      subject to Section 406 of ERISA or a plan subject to Section 4975 of the Code
      (a
“Plan”), nor a person acting on behalf of a Plan nor using the assets of a Plan
      to effect such transfer or (ii) in the case of any such ERISA-Restricted
      Certificate presented for registration in the name of an employee benefit plan
      subject to ERISA, or a plan or arrangement subject to Section 4975 of the Code
      (or comparable provisions of any subsequent enactments), or a trustee of any
      such plan or any other person acting on behalf of any such plan or arrangement
      or using such plan’s or arrangement’s assets, an Opinion of Counsel satisfactory
      to the Trustee, which Opinion of Counsel shall not be an expense of either
      the
      Trustee or the Trust Fund, addressed to the Trustee and the Depositor for the
      benefit of the Trustee, the Depositor and the Servicer and on which they may
      rely, to the effect that the purchase or holding of such ERISA-Restricted
      Certificate will not result in the assets of the Trust Fund being deemed to
      be
“plan assets” and subject to the prohibited transaction provisions of ERISA and
      the Code and will not subject the Trustee, any Depositor, the Special Servicer
      or the Servicer to any obligation in addition to those expressly undertaken
      in
      this Agreement or to any liability. Notwithstanding anything else to the
      contrary herein, any purported transfer of an ERISA-Restricted Certificate
      to or
      on behalf of an employee benefit plan subject to ERISA or to the Code without
      the delivery to the Trustee and the Depositor of an Opinion of Counsel
      satisfactory to the Trustee as described above shall be void and of no
      effect.

     

    Prior
      to
      the termination of the Supplemental Interest Trust, no transfer of a Class
      1A-1,
      Class 2A-1, Class 2A-2, Class 2A-3 or Class M Certificate shall be made unless
      either (i) the Trustee and the Depositor shall have received a representation
      or
      a deemed representation, in the case of Book-Entry Certificates, from the
      transferee of such Certificate acceptable to and in form and substance
      satisfactory to the Trustee and the Depositor, to the effect that such
      transferee is not an employee benefit plan subject to Section 406 of ERISA
      or a
      plan subject to Section 4975 of the Code (either a “Plan”), or a Person acting
      on behalf of a Plan or using the assets of a Plan, or (ii) the transferee
      provides a representation, or is deemed to represent in the case of the
      Book-Entry Certificates that (A) it is an accredited investor within the meaning
      of Prohibited Transaction Exemption 2002-4 and (B) that the proposed transfer
      or
      holding of such Certificate are eligible for exemptive relief under Prohibited
      Transaction Exemption (“PTE”) 84-14, PTE 91-38, PTE 90-1, PTE 95-60 or PTE
      96-23. Any Holder of a Certificate or any interest therein that is a Book-Entry
      Certificate shall be deemed to have made the representations described in the
      preceding sentence.

     

    To
      the
      extent permitted under applicable law (including, but not limited to, ERISA),
      the Trustee shall be under no liability to any Person for any registration
      of
      transfer of any ERISA-Restricted Certificate that is in fact not permitted
      by
      this Section 5.02(b) or for making any payments due on such Certificate to
      the
      Holder thereof or taking any other action with respect to such Holder under
      the
      provisions of this Agreement so long as the transfer was registered by the
      Trustee in accordance with the foregoing requirements.

     

    (c)  Each
      Person who has or who acquires any Ownership Interest in a Residual Certificate
      shall be deemed by the acceptance or acquisition of such Ownership Interest
      to
      have agreed to be bound by the following provisions, and the rights of each
      Person acquiring any Ownership Interest in a Residual Certificate are expressly
      subject to the following provisions:

     

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

     

    (ii)  No
      Ownership Interest in a Residual Certificate may be registered on the Closing
      Date or thereafter transferred, and the Trustee shall not register the Transfer
      of any Residual Certificate unless, in addition to the certificates required
      to
      be delivered to the Trustee under subparagraph (b) above, the Trustee and the
      Depositor shall have been furnished with an affidavit (a “Transfer Affidavit”)
      of the initial owner or the proposed transferee in the form attached hereto
      as
      Exhibit I.

     

    (iii)  Each
      Person holding or acquiring any Ownership Interest in a Residual Certificate
      shall agree (A) to obtain a Transfer Affidavit from any other Person to whom
      such Person attempts to Transfer its Ownership Interest in a Residual
      Certificate, (B) to obtain a Transfer Affidavit from any Person for whom such
      Person is acting as nominee, trustee or agent in connection with any Transfer
      of
      a Residual Certificate and (C) not to Transfer its Ownership Interest in a
      Residual Certificate or to cause the Transfer of an Ownership Interest in a
      Residual Certificate to any other Person if it has actual knowledge that such
      Person is not a Permitted Transferee.

     

    (iv)  Any
      attempted or purported Transfer of any Ownership Interest in a Residual
      Certificate in violation of the provisions of this Section 5.02(c) shall be
      absolutely null and void and shall vest no rights in the purported Transferee.
      If any purported transferee shall become a Holder of a Residual Certificate
      in
      violation of the provisions of this Section 5.02(c), then the last preceding
      Permitted Transferee shall be restored to all rights as Holder thereof
      retroactive to the date of registration of Transfer of such Residual
      Certificate. The Trustee shall be under no liability to any Person for any
      registration of Transfer of a Residual Certificate that is in fact not permitted
      by Section 5.02(b) and this Section 5.02(c) or for making any payments due
      on
      such Certificate to the Holder thereof or taking any other action with respect
      to such Holder under the provisions of this Agreement so long as the Transfer
      was registered after receipt of the related Transfer Affidavit and Transferor
      Certificate. The Trustee shall be entitled but not obligated to recover from
      any
      Holder of a Residual Certificate that was in fact not a Permitted Transferee
      at
      the time it became a Holder or, at such subsequent time as it became other
      than
      a Permitted Transferee, all payments made on such Residual Certificate at and
      after either such time. Any such payments so recovered by the Trustee shall
      be
      paid and delivered by the Trustee to the last preceding Permitted Transferee
      of
      such Certificate.

     

    (v)  The
      Depositor shall use its best efforts to make available, upon receipt of written
      request from the Trustee, all information necessary to compute any tax imposed
      under Section 860E(e) of the Code as a result of a Transfer of an Ownership
      Interest in a Residual Certificate to any Holder who is not a Permitted
      Transferee.

     

    The
      restrictions on Transfers of a Residual Certificate set forth in this Section
      5.02(c) shall cease to apply (and the applicable portions of the legend on
      a
      Residual Certificate may be deleted) with respect to Transfers occurring after
      delivery to the Trustee of an Opinion of Counsel, which Opinion of Counsel
      shall
      not be an expense of the Trust Fund, the Trustee, the Seller or the Servicer,
      to
      the effect that the elimination of such restrictions will not cause the Trust
      Fund hereunder to fail to qualify as a REMIC at any time that the Certificates
      are outstanding or result in the imposition of any tax on the Trust Fund, a
      Certificateholder or another Person. Each Person holding or acquiring any
      Ownership Interest in a Residual Certificate hereby consents to any amendment
      of
      this Agreement which, based on an Opinion of Counsel furnished to the Trustee,
      is reasonably necessary (a) to ensure that the record ownership of, or any
      beneficial interest in, a Residual Certificate is not transferred, directly
      or
      indirectly, to a Person that is not a Permitted Transferee and (b) to provide
      for a means to compel the Transfer of a Residual Certificate which is held
      by a
      Person that is not a Permitted Transferee to a Holder that is a Permitted
      Transferee.

     

    (d)  The
      preparation and delivery of all certificates and opinions referred to above
      in
      this Section 5.02 in connection with transfer shall be at the expense of the
      parties to such transfers.

     

    (e)  Except
      as
      provided below, the Book-Entry Certificates shall at all times remain registered
      in the name of the Depository or its nominee and at all times: (i) registration
      of the Certificates may not be transferred by the Trustee except to another
      Depository; (ii) the Depository shall maintain book-entry records with respect
      to the Certificate Owners and with respect to ownership and transfers of such
      Book-Entry Certificates; (iii) ownership and transfers of registration of the
      Book-Entry Certificates on the books of the Depository shall be governed by
      applicable rules established by the Depository; (iv) the Depository may collect
      its usual and customary fees, charges and expenses from its Depository
      Participants; (v) the Trustee shall deal with the Depository, Depository
      Participants and indirect participating firms as representatives of the
      Certificate Owners of the Book-Entry Certificates for purposes of exercising
      the
      rights of holders under this Agreement, and requests and directions for and
      votes of such representatives shall not be deemed to be inconsistent if they
      are
      made with respect to different Certificate Owners; and (vi) the Trustee may
      rely
      and shall be fully protected in relying upon information furnished by the
      Depository with respect to its Depository Participants and furnished by the
      Depository Participants with respect to indirect participating firms and persons
      shown on the books of such indirect participating firms as direct or indirect
      Certificate Owners.

     

    All
      transfers by Certificate Owners of 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 only transfer 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.

     

    If
      (x)
      (i) the Depository or the Depositor advises the Trustee in writing that the
      Depository is no longer willing or able to properly discharge its
      responsibilities as Depository, and (ii) the Trustee or the Depositor is unable
      to locate a qualified successor, (y) the Depositor, with the consent of the
      Depository Participants, advises the Trustee in writing that it elects to
      terminate the book-entry system through the Depository or (z) after the
      occurrence of an Event of Default, Certificate Owners representing at least
      51%
      of the Certificate Balance of the Book-Entry Certificates together advise the
      Trustee and the Depository through the Depository Participants in writing that
      the continuation of a book-entry system through the Depository is no longer
      in
      the best interests of the Certificate Owners, the Trustee shall notify all
      Certificate Owners, through the Depository, of the occurrence of any such event
      and of the availability of definitive, fully-registered Certificates (the
“Definitive Certificates”) to Certificate Owners requesting the same. Upon
      surrender to the Trustee of the related Class of Certificates by the Depository,
      accompanied by the instructions from the Depository for registration, the
      Trustee shall issue the Definitive Certificates.

     

    In
      addition, if an Event of Default has occurred and is continuing, each
      Certificate Owner materially adversely affected thereby may at its option
      request a Definitive Certificate evidencing such Certificate Owner’s Percentage
      Interest in the related Class of Certificates. In order to make such request,
      such Certificate Owner shall, subject to the rules and procedures of the
      Depository, provide the Depository or the related Depository Participant with
      directions for the Trustee to exchange or cause the exchange of the Certificate
      Owner’s interest in such Class of Certificates for an equivalent Percentage
      Interest in fully registered definitive form. Upon receipt by the Trustee of
      instruction from the Depository directing the Trustee to effect such exchange
      (such instructions to contain information regarding the Class of Certificates
      and the Certificate Balance being exchanged, the Depository Participant account
      to be debited with the decrease, the registered holder of and delivery
      instructions for the Definitive Certificates and any other information
      reasonably required by the Trustee), (i) the Trustee shall instruct the
      Depository to reduce the related Depository Participant’s account by the
      aggregate Certificate Balance of the Definitive Certificates, (ii) the Trustee
      shall execute, authenticate and deliver, in accordance with the registration
      and
      delivery instructions provided by the Depository, a Definitive Certificate
      evidencing such Certificate Owner’s Percentage Interest in such Class of
      Certificates and (iii) the Trustee shall execute and authenticate a new
      Book-Entry Certificate reflecting the reduction in the aggregate Class Principal
      Balance of such Class of Certificates by the amount of the Definitive
      Certificates.

     

    None
      of
      the Seller, the Servicer, the Depositor or the Trustee shall be liable for
      any
      delay in delivery of any instruction required under this section and each may
      conclusively rely on, and shall be protected in relying on, such instructions.
      The Depositor shall provide the Trustee with an adequate inventory of
      certificates to facilitate the issuance and transfer of Definitive Certificates.
      Upon the issuance of Definitive Certificates all references herein to
      obligations imposed upon or to be performed by the Depository shall be deemed
      to
      be imposed upon and performed by the Trustee, to the extent applicable with
      respect to such Definitive Certificates and the Trustee shall recognize the
      Holders of the Definitive Certificates as Certificateholders hereunder; provided
      that the Trustee shall not by virtue of its assumption of such obligations
      become liable to any party for any act or failure to act of the
      Depository.

     

    No
      transfer of any Class X-1 Certificate shall be made unless the transferee of
      such Class X-1 Certificate provides to the Trustee or the Depositor the
      appropriate tax certification form (i.e., IRS Form W-9 or IRS Form W-8BEN,
      W-8IMY, W-8EXP or W-8ECI, as applicable (or any successor form thereto)), as
      a
      condition to such transfer and agrees to update such forms (i) upon expiration
      of any such form, (ii) as required under then applicable U.S. Treasury
      regulations and (iii) promptly upon learning that any IRS Form W-9 or IRS Form
      W-8BEN, W-8IMY, W-8EXP or W-8ECI, as applicable (or any successor form thereto),
      has become obsolete or incorrect. Upon receipt of any such tax certification
      form from a transferee of any Class X-1 Certificate, the Trustee or the
      Depositor shall provide a copy of such tax certification form to the
      Supplemental Interest Trust Trustee. The Supplemental Interest Trust Trustee
      shall provide a copy of any such tax certification form to the
      Counterparty.

     

    
      	SECTION
              5.03  	
              Mutilated,
                Destroyed, Lost or Stolen
                Certificates.

            

    

     

    If
      (a)
      any mutilated Certificate is surrendered to the Trustee, or the Trustee receives
      evidence to its satisfaction of the destruction, loss or theft of any
      Certificate and (b) there is delivered to the Trustee such security or indemnity
      as may be required by it to hold it harmless, then, in the absence of notice
      to
      the Trustee that such Certificate has been acquired by a bona fide purchaser,
      the Trustee shall execute, countersign and deliver, in exchange for or in lieu
      of any such mutilated, destroyed, lost or stolen Certificate, a new Certificate
      of like Class, tenor and Percentage Interest. In connection with the issuance
      of
      any new Certificate under this Section 5.03, 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) connected therewith. Any replacement Certificate issued
      pursuant to this Section 5.03 shall constitute complete and indefeasible
      evidence of ownership, 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.

            

    

     

    The
      Servicer, the Trustee and any agent of the Servicer or the Trustee may treat
      the
      Person in whose name any Certificate is registered as the owner of such
      Certificate for the purpose of receiving distributions as provided in this
      Agreement and for all other purposes whatsoever, and none of the Servicer,
      the
      Trustee or any agent of the Servicer or the Trustee shall be affected by any
      notice to the contrary.

     

    
      	SECTION
              5.05  	
              Access
                to List of Certificateholders’ Names and
                Addresses.

            

    

     

    If
      three
      or more Certificateholders (a) request such information in writing from the
      Trustee, (b) state that such Certificateholders desire to communicate with
      other
      Certificateholders with respect to their rights under this Agreement or under
      the Certificates, and (c) provide a copy of the communication which such
      Certificateholders propose to transmit, or if the Depositor or a Servicer shall
      request such information in writing from the Trustee, then the Trustee shall,
      within ten Business Days after the receipt of such request, provide the
      Depositor, the Servicer or such Certificateholders at such recipients’ expense
      the most recent list of the Certificateholders of such Trust Fund held by the
      Trustee, if any. The Depositor and every Certificateholder, by receiving and
      holding a Certificate, agree that the Trustee shall not be held accountable
      by
      reason of the disclosure of any such information as to the list of the
      Certificateholders hereunder, regardless of the source from which such
      information was derived.

     

    
      	SECTION
              5.06  	
              Maintenance
                of Office or Agency.

            

    

     

    The
      Trustee will maintain or cause to be maintained at its expense an office or
      offices or agency or agencies in St. Paul, Minnesota where Certificates may
      be
      surrendered for registration of transfer or exchange. The Trustee initially
      designates its Corporate Trust Office for such purposes. The Trustee will give
      prompt written notice to the Certificateholders of any change in such location
      of any such office or agency.

     

    
      
        
        

      

      
        
        

        
          

        

      

      
        
        

      

    

    

    ARTICLE
      VI

     

    THE
      DEPOSITOR, THE SELLER, THE SERVICER AND ANY SPECIAL SERVICER

     

    
      	SECTION
              6.01  	
              Respective
                Liabilities of the Depositor, the Seller, the Servicer and the Special
                Servicer.

            

    

     

    The
      Depositor, the Seller, the Servicer and any Special Servicer shall each be
      liable in accordance herewith only to the extent of the obligations specifically
      and respectively imposed upon and undertaken by them herein.

     

    
      	SECTION
              6.02  	
              Merger
                or Consolidation of the Depositor, the Seller, the Servicer or any
                Special
                Servicer.

            

    

     

    The
      Depositor, the Seller, the Servicer and any Special Servicer will each keep
      in
      full effect its existence, rights and franchises as a corporation under the
      laws
      of the United States or under the laws of one of the states thereof or as a
      federally chartered savings bank organized under the laws of the United States
      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, or
      any
      of the Mortgage Loans and to perform its respective duties under this Agreement.
      Notwithstanding the foregoing, the Seller or the Servicer may be merged or
      consolidated into another Person in accordance with the following
      paragraph.

     

    Any
      Person into which the Depositor, the Seller, the Servicer or any Special
      Servicer may be merged or consolidated, or any Person resulting from any merger
      or consolidation to which the Depositor, the Seller, the Servicer or any Special
      Servicer shall be a party, or any person succeeding to the business of the
      Depositor, the Seller, the Servicer or any Special Servicer, shall be the
      successor of the Depositor, the Seller, the Servicer or any Special 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 with respect to a merger or consolidation of the Servicer or any Special
      Servicer shall be an institution which is a Fannie Mae or Freddie Mac approved
      company in good standing. In addition to the foregoing, there must be delivered
      to the Trustee a letter from each of the Rating Agencies, to the effect that
      such merger, conversion or consolidation of the Servicer will not result in
      a
      disqualification, withdrawal or downgrade of the then current rating of any
      of
      the Certificates.

     

    
      	SECTION
              6.03  	
              Limitation
                on Liability of the Depositor, the Seller, the Servicer, any Special
                Servicer and Others.

            

    

     

    None
      of
      the Depositor, the Seller, the Servicer, any Special Servicer nor any of the
      directors, officers, employees or agents of the Depositor, the Seller, the
      Servicer or any Special Servicer shall be under any liability to 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
      Seller, the Servicer, any Special Servicer or any such Person against any breach
      of representations or warranties made by it herein or protect the Depositor,
      the
      Seller, the Servicer, the Special Servicer or any such Person from any liability
      which would otherwise be imposed by reasons of willful misfeasance, bad faith
      or
      negligence in the performance of duties or by reason of reckless disregard
      of
      obligations and duties hereunder. The Depositor, the Seller, the Servicer,
      any
      Special Servicer and any director, officer, employee or agent of the Depositor,
      the Seller, the Servicer or any Special 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 Seller, the
      Trustee, the Servicer, any Special Servicer and any director, officer, employee
      or agent of the Depositor, the Seller, the Trustee, the Servicer or any Special
      Servicer shall be indemnified by the Trust Fund out of the Collection Account
      and held harmless against any loss, liability or expense incurred in connection
      with any legal action relating to this Agreement (including the provisions
      set
      forth in the last sentence of Section 2.01(a)) or the Certificates, other than
      any loss, liability or expense incurred by reason of willful misfeasance, bad
      faith or negligence in the performance of its duties hereunder or by reason
      of
      reckless disregard of obligations and duties hereunder; provided, however,
      with
      respect to the provisions set forth in the last sentence of Section 2.01(a),
      such indemnification will be without regard to loss, liability or expense
      incurred by reason of any willful misfeasance, bad faith or negligence in
      performance of its duties hereunder. None of the Depositor, the Seller, the
      Servicer or any Special Servicer shall be under any obligation to appear in,
      prosecute or defend any legal action that is not incidental to its respective
      duties hereunder and which in its opinion may involve it in any expense or
      liability; provided, however, that any of the Depositor, the Seller, the
      Servicer or any Special Servicer may in its discretion undertake any such action
      that it may deem necessary or desirable in respect of this Agreement and the
      rights and duties of the parties hereto and interests of the Trustee and the
      Certificateholders hereunder. In such event, the legal expenses and costs of
      such action and any liability resulting therefrom shall be expenses, costs
      and
      liabilities of the Trust Fund, and the Depositor, the Seller, the Servicer
      and
      any Special Servicer shall be entitled to be reimbursed therefor out of the
      Collection Account. The Servicer’s and any Special Servicer’s right to indemnity
      or reimbursement pursuant to this Section 6.03 shall survive the resignation
      or
      termination of the Servicer as set forth herein.

     

    
      	SECTION
              6.04  	
              Limitation
                on Resignation of the Servicer.

            

    

     

    (a)  Subject
      to Section 6.04(b) below, the Servicer shall not resign from the obligations
      and
      duties hereby imposed on it except (a)(i) upon appointment, pursuant to the
      provisions of Section 7.02, of a successor servicer which (x) has a net worth
      of
      not less than $10,000,000 and (y) is a Fannie Mae or Freddie Mac approved
      company in good standing and (ii) receipt by the Trustee of a letter from each
      Rating Agency that such a resignation and appointment will not result in a
      qualification, withdrawal or downgrading of the then current rating of any
      of
      the Certificates, or (b) upon determination that its duties hereunder are no
      longer permissible under applicable law. Any such determination under clause
      (b)
      permitting the resignation of the Servicer shall be evidenced by an Opinion
      of
      Counsel to such effect delivered to the Trustee. No such resignation shall
      become effective until the Trustee or a successor servicer shall have assumed
      the Servicer’s responsibilities, duties, liabilities and obligations hereunder
      and the requirements of Section 7.02 have been satisfied.

     

    (b)  Notwithstanding
      the foregoing at the Seller’s request and with respect to all or a portion of
      the Mortgage Loans, so long as it is the owner of the servicing rights, SPS
      shall resign upon the Seller’s selection and appointment of a successor
      servicer; provided that the Seller delivers to the Trustee the letter required
      by Section 6.04(a)(ii) above. 

     

    (c)  Notwithstanding
      the foregoing, at the request of the Majority in Interest Class X-1
      Certificateholder, a Special Servicer shall resign, upon the selection and
      appointment of a successor special servicer by the Majority in Interest Class
      X-1 Certificateholder; provided, that any such successor Special Servicer shall
      meet all the requirements of a Servicer as described in Section 7.02 of this
      Agreement and shall comply in all respects with the applicable provisions of
      this Agreement.

     

    
      
        
        

      

      
        
        

        
          

        

      

      
        
        

      

    

    

     

    ARTICLE
      VII

     

    DEFAULT

     

    
      	SECTION
              7.01  	
              Events
                of Default.

            

    

     

    “Event
      of
      Default”, wherever used herein, means any one of the following
      events:

     

    (i)  any
      failure by the Servicer to make any deposit or payment required pursuant to
      this
      Agreement which continues unremedied for a period of one Business Day (or,
      in
      the case of any such failure to make any deposit or payment due to any outbreak
      or escalation of hostilities, declaration by the United States of a national
      emergency or war or other calamity or crisis or act of god, for a period of
      three Business Days) after the date upon which written notice of such failure,
      requiring the same to be remedied, shall have been given to the Servicer by
      the
      Trustee or the Depositor, or to the Servicer and the Trustee by the Holders
      of
      Certificates having not less than 25% of the Voting Rights evidenced by the
      Certificates; or

     

    (ii)  any
      failure by the Servicer duly to observe or perform in any material respect
      any
      other of the covenants or agreements on the part of the Servicer set forth
      in
      this Agreement, which failure or breach (a) materially affects the rights of
      the
      Certificateholders and (b) continues unremedied for a period of 30 days after
      the date on which written notice of such failure or breach, requiring the same
      to be remedied, shall have been given to the Servicer by the Trustee or the
      Depositor, or to the Servicer and the Trustee by the Holders of Certificates
      having not less than 25% of the Voting Rights evidenced by the Certificates;
      or

     

    (iii)  if
      a
      representation or warranty set forth in Section 2.03(b) or (c), as applicable,
      hereof shall prove to be materially incorrect as of the time made in any respect
      that materially and adversely affects interests of the Certificateholders,
      and
      the circumstances or condition in respect of which such representation or
      warranty was incorrect shall not have been eliminated or cured, within 30 days
      (or, if such breach is not capable of being cured within 30 days and provided
      that the Servicer believes in good faith that such breach can be cured and
      is
      diligently pursuing the cure thereof, within 90 days) after the date on which
      written notice thereof shall have been given to the Servicer by the Trustee
      for
      the benefit of the Certificateholders or by the Depositor; or

     

    (iv)  failure
      by the Servicer to maintain, if required, its license to do business in any
      jurisdiction where the related Mortgaged Property is located, to the extent
      such
      failure materially and adversely affects the ability of the Servicer to perform
      its obligations under this Agreement; or

     

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

     

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

     

    (vii)  any
      failure of the Servicer to make any Advance, to the extent required under
      Section 4.01 in the manner and at the time required to be made from its own
      funds pursuant to this Agreement and after receipt of notice from the Trustee,
      which failure continues unremedied after the close of business on the Business
      Day immediately preceding the related Distribution Date; or

     

    (viii)  the
      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, bankruptcy or reorganization statute, make
      an
      assignment for the benefit of its creditors, voluntarily suspend payment of
      its
      obligations or cease its normal business operations for three Business Days;
      or

     

    (ix)  (a)
      the
      servicer rankings or ratings for the Servicer are downgraded to “below average”
status or below by one or more of the Rating Agencies rating the Certificates
      or
      (b) one or more Classes of the Certificates are downgraded or placed on negative
      watch due in whole or in part to the performance or servicing of the Servicer;
      or

     

    (x)  any
      failure of the Servicer to deliver to the Trustee and the Depositor the items
      required by Sections 3.16, 3.17 and 8.12(c) within two Business Days of notice
      thereof from the Trustee or the Depositor. 

     

    Other
      than an Event of Default resulting from a failure of the Servicer to make any
      Advance, if an Event of Default described in clauses (i) through (viii) 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, the Trustee may, or at the
      direction of the Holders of Certificates evidencing not less than 51% of the
      Voting Rights evidenced by the Certificates, the Trustee shall by notice in
      writing to the Servicer (with a copy to each Rating Agency), terminate all
      of
      the rights and obligations of the Servicer under this Agreement and in and
      to
      the related Mortgage Loans and the proceeds thereof, other than its rights
      as a
      Certificateholder hereunder (and the rights to reimburse itself for Advances
      and
      Servicing Advances previously made pursuant to this Agreement, the right to
      accrued and unpaid Servicing Fees and the rights under Section 6.03 with respect
      to events occurring prior to such termination). If an Event of Default results
      from the failure of the Servicer to make an Advance, the Trustee shall prior
      to
      the Distribution Date occurring in the succeeding calendar month, by notice
      in
      writing to the Servicer and the Depositor (with a copy to each Rating Agency),
      terminate all of the rights and obligations of the Servicer under this Agreement
      prior to the Distribution Date occurring in the succeeding calendar month and
      in
      and to the related Mortgage Loans and the proceeds thereof, other than its
      rights as a Certificateholder hereunder and the rights to reimburse itself
      for
      Advances and Servicing Advances previously made pursuant to this Agreement,
      the
      right to accrued and unpaid Servicing Fees and the rights under Section 6.03
      with respect to events occurring prior to such termination. If an Event of
      Default described in clause (ix) or (x) of this Section occurs, the Trustee
      shall, at the direction of the Seller, by notice in writing to the Servicer,
      terminate all of the rights and obligations of such Servicer under this
      Agreement (other than its right to reimburse itself for Advances and Servicing
      Advances previously made, as provided in Section 3.08, the right to accrued
      and
      unpaid Servicing Fees and the rights under Section 6.03 with respect to events
      occurring prior to such termination) and shall appoint as successor Servicer
      the
      entity selected by the Seller in accordance with Section 7.02; provided the
      Seller shall first furnish to the Trustee a letter from each Rating Agency
      that
      the appointment of such successor will not result in a downgrading of the rating
      of any of the Certificates.

     

    Upon
      receipt by the Servicer of such written notice of termination, all authority
      and
      power of the Servicer under this Agreement, whether with respect to the Mortgage
      Loans serviced by it or otherwise, shall pass to and be vested in the Trustee
      or
      its nominee. Upon written request from the Trustee, the Servicer shall prepare,
      execute and deliver to the successor entity designated by the Trustee any and
      all documents and other instruments, place in such successor’s possession all
      related Mortgage Files, and do or cause to be done all other acts or things
      necessary or appropriate to effect the purposes of such notice of termination,
      including but not limited to the transfer and endorsement or assignment of
      the
      Mortgage Loans and related documents, at the Servicer’s sole expense. The
      Servicer shall cooperate with the Trustee and such successor in effecting the
      termination of such Servicer’s responsibilities and rights hereunder, including
      without limitation, the transfer to such successor for administration by it
      of
      all cash amounts, net of unreimbursed Advances and Servicing Advances and unpaid
      Servicing Fees which shall at the time be credited by the Servicer to the
      Collection Account or Escrow Account or thereafter received with respect to
      the
      Mortgage Loans. The Trustee, as successor Servicer, shall thereupon make any
      Advance prior to the related Distribution Date. The Trustee is hereby authorized
      and empowered to execute and deliver, on behalf of the Servicer, as
      attorney-in-fact or otherwise, any and all documents and other instruments,
      and
      to do or accomplish all other acts or things necessary or appropriate to effect
      the purposes of such notice of termination, whether to complete the transfer
      and
      endorsement or assignment of the related Mortgage Loans and related documents,
      or otherwise.

     

    
      	SECTION
              7.02  	
              Trustee
                to Act; Appointment of Successor.

            

    

     

    On
      and
      after the time the Servicer receives a notice of termination pursuant to Section
      7.01 of this Agreement or the resignation of the Servicer pursuant to Section
      6.04, the Trustee shall, subject to and to the extent provided herein, be the
      successor to the Servicer, but only in its capacity as servicer under this
      Agreement, and not in any other, and the transactions set forth herein and
      shall
      be subject to all the responsibilities, duties and liabilities relating thereto
      placed on the Servicer by the terms and provisions hereof and applicable law
      including the obligation to make Advances pursuant to Section 4.01. As
      compensation therefor, the Trustee shall be entitled to all funds relating
      to
      the Mortgage Loans that the Servicer would have been entitled to charge to
      the
      Collection Account, provided that the terminated Servicer shall nonetheless
      be
      entitled to payment or reimbursement as provided in Section 3.08 to the extent
      that such payment or reimbursement relates to the period prior to termination
      of
      the Servicer. Notwithstanding the foregoing, if the Trustee has become the
      successor to the Servicer in accordance with Section 7.01, the Trustee may,
      if
      it shall be unwilling to so act, or shall, if it is prohibited by applicable
      law
      from making Advances pursuant to 4.01 hereof, or if it is otherwise unable
      to so
      act, appoint, or petition a court of competent jurisdiction to appoint, any
      established mortgage loan servicing institution the appointment of which does
      not adversely affect the then current rating of the Certificates by each Rating
      Agency, as the successor to the Servicer hereunder in the assumption of all
      or
      any part of the responsibilities, duties or liabilities of the Servicer
      hereunder. Any successor to the Servicer shall be an institution which is a
      Fannie Mae or Freddie Mac approved seller/servicer for first and second loans
      in
      good standing, which has a net worth of at least $10,000,000, which is willing
      to service the related Mortgage Loans and which executes and delivers to the
      Depositor and the Trustee an agreement accepting such delegation and assignment,
      containing an assumption by such Person of the rights, powers, duties,
      responsibilities, obligations and liabilities of the Servicer (other than
      liabilities of the Servicer under Section 6.03 hereof incurred prior to
      termination of the Servicer under Section 7.01 hereunder), with like effect
      as
      if originally named as a party to this Agreement; provided that each Rating
      Agency acknowledges that its rating of the Certificates in effect immediately
      prior to such assignment and delegation will not be qualified, withdrawn or
      downgraded as a result of such assignment and delegation. Pending appointment
      of
      a successor to the Servicer hereunder, the Trustee, unless the Trustee is
      prohibited by law from so acting, shall, subject to the limitations described
      herein, 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 the Mortgage Loans as it
      and
      such successor shall agree; provided, however, that no such compensation shall
      be in excess of the Servicing Fee. The Trustee and such successor shall take
      such action, consistent with this Agreement, as shall be necessary to effectuate
      any such succession. Neither the Trustee nor any other successor servicer shall
      be deemed to be in default by reason of any failure to make, or any delay in
      making, any distribution hereunder or any portion thereof or any failure to
      perform, or any delay in performing, any duties or responsibilities hereunder,
      in either case caused by the failure of the Servicer to deliver or provide,
      or
      any delay in delivering or providing, any cash, information, documents or
      records to it.

     

    In
      connection with the termination or resignation of the Servicer hereunder, either
      (i) the successor servicer, including the Trustee if the Trustee is acting
      as
      successor Servicer, shall represent and warrant that it is a member of MERS
      in
      good standing and shall agree to comply in all material respects with the rules
      and procedures of MERS in connection with the servicing of the Mortgage Loans
      that are registered with MERS, in which case the predecessor Servicer shall
      cooperate with the successor Servicer in causing MERS to revise its records
      to
      reflect the transfer of servicing to the successor Servicer as necessary under
      MERS’ rules and regulations, or (ii) the predecessor Servicer shall cooperate
      with the successor 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® System to the successor Servicer.
      The predecessor Servicer shall file or cause to be filed any such assignment
      in
      the appropriate recording office. The predecessor 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.

     

    Any
      successor to the Servicer shall give notice to the Mortgagors of such change
      of
      servicer and shall, during the term of its service as servicer, maintain in
      force the policy or policies that the Servicer is required to maintain pursuant
      to this Agreement.

     

    
      	SECTION
              7.03  	
              Notification
                to Certificateholders.

            

    

     

    (a)  Upon
      any
      termination of or appointment of a successor to the Servicer, the Trustee shall
      give prompt written notice thereof to Certificateholders and to each Rating
      Agency.

     

    (b)  Within
      60
      days after the occurrence of any Event of Default, the Trustee shall transmit
      by
      mail to all Certificateholders notice of each such Event of Default hereunder
      actually known to the Trustee, unless such Event of Default shall have been
      cured or waived.

     

    
      
        
        

      

      
        
        

        
          

        

      

      
        
        

      

    

    

    ARTICLE
      VIII

     

    CONCERNING
      THE TRUSTEE

     

    
      	SECTION
              8.01  	
              Duties
                of the Trustee.

            

    

     

    The
      Trustee, prior to the occurrence of an Event of Default and after the curing
      of
      all Events of Default that may have occurred, shall undertake to perform such
      duties and only such duties as are specifically set forth in this Agreement.
      In
      case an Event of Default has occurred and remains uncured, 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 person would
      exercise or use under the circumstances in the conduct of such person’s own
      affairs.

     

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

     

    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)  unless
      an
      Event of Default actually known to the Trustee shall have occurred and be
      continuing, the duties and obligations of the Trustee shall be determined solely
      by the express provisions of this Agreement, the Trustee shall not be liable
      except for the performance of such duties and obligations as are specifically
      set forth in this Agreement, no implied covenants or obligations shall be read
      into this Agreement against the Trustee and 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 and
      conforming to the requirements of this Agreement which it believed in good
      faith
      to be genuine and to have been duly executed by the proper authorities
      respecting any matters arising hereunder;

     

    (ii)  the
      Trustee shall not be liable for an error of judgment made in good faith by
      a
      Responsible Officer or Responsible Officers of the Trustee, unless it shall
      be
      finally proven that the Trustee was negligent in ascertaining the pertinent
      facts; and

     

    (iii)  the
      Trustee shall not be liable with respect to any action taken, suffered or
      omitted to be taken by it in good faith in accordance with the direction of
      Holders of Certificates evidencing not less than 25% of the Voting Rights of
      Certificates relating 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.

     

    
      	SECTION
              8.02  	
              Certain
                Matters Affecting the Trustee.

            

    

     

    Except
      as
      otherwise provided in Section 8.01:

     

    (i)  the
      Trustee may request and conclusively rely upon 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 and the Trustee shall have no responsibility to
      ascertain or confirm the genuineness of any signature of any such party or
      parties;

     

    (ii)  the
      Trustee may consult with counsel, financial advisers or accountants and the
      advice of any such counsel, financial advisers or accountants 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 advice or Opinion of Counsel;

     

    (iii)  the
      Trustee shall not be 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;

     

    (iv)  the
      Trustee shall not be bound to make any investigation into the facts or matters
      stated in any resolution, certificate, statement, instrument, opinion, report,
      notice, request, consent, order, approval, bond or other paper or document,
      unless requested in writing so to do by Holders of Certificates evidencing
      not
      less than 25% of the Voting Rights allocated to each Class of
      Certificates;

     

    (v)  the
      Trustee may execute any of the trusts or powers hereunder or perform any duties
      hereunder either directly or by or through agents, affiliates, accountants
      or
      attorneys;

     

    (vi)  the
      Trustee shall not be required to risk or expend its own funds or otherwise
      incur
      any financial liability in the performance of any of its duties or in the
      exercise of any of its rights or powers hereunder if it shall have reasonable
      grounds for believing that repayment of such funds or adequate indemnity against
      such risk or liability is not assured to it;

     

    (vii)  the
      Trustee shall not be liable for any loss on any investment of funds pursuant
      to
      this Agreement (other than as issuer of the investment security);

     

    (viii)  the
      Trustee shall not be deemed to have knowledge of an Event of Default until
      a
      Responsible Officer of the Trustee shall have received written notice thereof;
      and

     

    (ix)  the
      Trustee shall be under no obligation to exercise any of the trusts, rights
      or
      powers vested in it by this Agreement or to institute, conduct or defend any
      litigation hereunder or in relation hereto at the request, order or direction
      of
      any of the Certificateholders, pursuant to the provisions of this Agreement,
      unless such Certificateholders shall have offered to the Trustee reasonable
      security or indemnity satisfactory to the Trustee against the costs, expenses
      and liabilities which may be incurred therein or thereby.

     

    (x)  It
      is
      acknowledged and agreed that the Person serving as Trustee hereunder shall
      also
      serve as Supplemental Interest Trust Trustee. The Supplemental Interest Trust
      Trustee is hereby directed to execute and deliver the Swap Agreement, and to
      make the representations required therein. The Supplemental Interest Trust
      Trustee shall be entitled to be indemnified and held harmless by the Depositor
      from and against any and all losses, claims, expenses or other liabilities
      that
      arise by reason of or in connection with the performance or observance of its
      duties or obligations under the Swap Agreement, except to the extent that the
      same is due to the Supplemental Interest Trust Trustee’s willful misfeasance,
      bad faith or negligence. Any Person appointed as successor trustee pursuant
      to
      Section 8.08 shall also be required to serve as successor supplemental interest
      trust trustee.

     

    
      	SECTION
              8.03  	
              Trustee
                Not Liable for Certificates or Mortgage
                Loans.

            

    

     

    The
      recitals contained herein and in the Certificates shall be taken as the
      statements of the Depositor or the Seller, 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 or of any Mortgage Loan or related document, or of MERS or the
      MERS® System, other than with respect to the Trustee’s execution and
      countersignature of the Certificates. The Trustee shall not be accountable
      for
      the use or application by the Depositor or the Servicer of any funds paid to
      the
      Depositor or the Servicer in respect of the Mortgage Loans or deposited in
      or
      withdrawn from the Collection Account by the Depositor or the
      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 and may transact business with the Depositor, the Seller, the
      Servicer and their affiliates, with the same rights as it would have if it
      were
      not the Trustee.

     

    
      	SECTION
              8.05  	
              Trustee’s
                Fees and Expenses.

            

    

     

    The
      Trustee, as compensation for its activities hereunder, shall be entitled to
      (a)
      withdraw from the Certificate Account on each Distribution Date prior to making
      distributions pursuant to Section 4.02 an amount equal to the Trustee Fee for
      such Distribution Date and (b) investment earnings on amounts on deposit in
      the
      Certificate Account. The Trustee and any director, officer, employee or agent
      of
      the Trustee shall be indemnified by the Depositor and the Servicer, to the
      extent such indemnity related to the failure of the Servicer to perform its
      servicing obligations in accordance with this Agreement, and held harmless
      against any loss, liability or expense (including reasonable attorney’s fees and
      expenses) (i) incurred in connection with any claim or legal action relating
      to
(a)
      this
      Agreement (including the provisions set forth in the last sentence of Section
      2.01(a)), (b) the Custodial Agreement, (c) the Certificates, or (d) the
      performance of any of the Trustee’s duties hereunder (including website posting
      of reports as required by Section 8.12(a)), other than any loss, liability
      or
      expense incurred by reason of willful misfeasance, bad faith or negligence
      in
      the performance of any of the Trustee’s duties hereunder or incurred by reason
      of any action of the Trustee taken at the direction of the Certificateholders;
      provided, however, with respect to the provisions set forth in the last sentence
      of Section 2.01(a), such indemnification will be without regard to loss,
      liability or expense incurred by reason of any willful misfeasance, bad faith
      or
      negligence in the performance of any of the Trustee’s duties hereunder and
(ii)
      resulting from any error in any tax or information return prepared by the
      Servicer. Such indemnity shall survive the termination of this Agreement or
      the
      resignation or removal of the Trustee hereunder. Without limiting the foregoing,
      the Depositor covenants and agrees, except as otherwise agreed upon in writing
      by the Depositor and the Trustee, and except for any such expense, disbursement
      or advance as may arise from the Trustee’s negligence, bad faith or willful
      misconduct, to pay or reimburse the Trustee, for all reasonable expenses,
      disbursements and advances incurred or made by the Trustee in accordance with
      any of the provisions of this Agreement with respect to: (A) the reasonable
      compensation and the expenses and disbursements of its counsel not associated
      with the closing of the issuance of the Certificates, (B) the reasonable
      compensation, expenses and disbursements of any accountant, engineer or
      appraiser that is not regularly employed by the Trustee, to the extent that
      the
      Trustee must engage such persons to perform acts or services hereunder and
      (C)
      printing and engraving expenses in connection with preparing any Definitive
      Certificates. Except as otherwise provided herein, the Trustee shall not be
      entitled to payment or reimbursement for any routine ongoing expenses incurred
      by the Trustee in the ordinary course of its duties as Trustee, Registrar or
      agent for the Tax Matters Person hereunder or for any other
      expenses.

     

    
      	SECTION
              8.06  	
              Eligibility
                Requirements for the Trustee and
                Custodian.

            

    

     

    The
      Trustee hereunder shall at all times be a corporation or association organized
      and doing business under the laws of a 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, subject to supervision or
      examination by federal or state authority and with a credit rating which would
      not cause either of the Rating Agencies to reduce their respective then current
      Ratings of the Certificates (or having provided such security from time to
      time
      as is sufficient to avoid such reduction) as evidenced in writing by each Rating
      Agency. If such corporation or 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 8.06
      the combined capital and surplus of such corporation or association 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 8.06, the Trustee
      shall resign immediately in the manner and with the effect specified in Section
      8.07. The entity serving as Trustee may have normal banking and trust
      relationships with the Depositor and its affiliates or a Servicer and its
      affiliates; provided, however, that such entity cannot be an affiliate of the
      Seller, the Depositor or a Servicer other than the Trustee in its role as
      successor to a Servicer.

     

    
      	SECTION
              8.07  	
              Resignation
                and Removal of the Trustee.

            

    

     

    The
      Trustee may at any time resign and be discharged from the trusts hereby created
      by giving written notice of resignation to the Depositor, the Seller, the
      Servicer, any Special Servicer and each Rating Agency not less than 60 days
      before the date specified in such notice, when, subject to Section 8.08, such
      resignation is to take effect, and acceptance by a successor trustee in
      accordance with Section 8.08 meeting the qualifications set forth in Section
      8.06. If no successor trustee meeting such qualifications shall have been so
      appointed and have accepted appointment within 30 days after the giving of
      such
      notice of resignation or removal (as provided below), the resigning or removed
      Trustee may petition any court of competent jurisdiction for the appointment
      of
      a successor trustee.

     

    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 thereto by the
      Depositor, or if at any time the Trustee shall become incapable of acting,
      or
      shall be adjudged as 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, or a tax is imposed with respect
      to
      the Trust Fund by any state in which the Trustee or the Trust Fund is located
      and the imposition of such tax would be avoided by the appointment of a
      different trustee, then the Depositor may remove the Trustee and appoint a
      successor trustee by written instrument, in triplicate, one copy of which shall
      be delivered to the Trustee, one copy to the Servicer and the Seller and one
      copy to the successor trustee.

     

    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 shall be delivered by the successor
      Trustee to the Servicer and the Seller, one complete set to the Trustee so
      removed and one complete set to the successor so appointed. Notice of any
      removal of the Trustee shall be given to each Rating Agency by the successor
      trustee. All costs and expenses incurred by the Trustee in connection with
      the
      removal of the Trustee without cause shall be reimbursed to the Trustee from
      amounts on deposit in the Collection Account.

     

    Any
      resignation or removal of the Trustee and appointment of a successor trustee
      pursuant to any of the provisions of this Section 8.07 shall become effective
      upon acceptance of appointment by the successor trustee as provided in Section
      8.08.

     

    
      	SECTION
              8.08  	
              Successor
                Trustee.

            

    

     

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

     

    No
      successor trustee shall accept appointment as provided in this Section 8.08
      unless at the time of such acceptance such successor trustee shall be eligible
      under the provisions of Section 8.06 and its appointment shall not adversely
      affect the then current rating of the Certificates.

     

    Upon
      acceptance of appointment by a successor trustee as provided in this Section
      8.08, the Depositor shall mail notice of the succession of such trustee
      hereunder to all Holders of Certificates. 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.

     

    Any
      Person appointed as successor trustee pursuant to Section 8.07 shall also be
      required to serve as successor supplemental interest trust trustee under the
      Swap Agreement. 

     

    
      	SECTION
              8.09  	
              Merger
                or Consolidation of the Trustee.

            

    

     

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

     

    
      	SECTION
              8.10  	
              Appointment
                of Co-Trustee or Separate Trustee.

            

    

     

    Notwithstanding
      any other provisions of this Agreement, 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 any Mortgage Note may at the time be located, the Servicer
      and the Trustee acting jointly shall have the power and shall execute and
      deliver all instruments to appoint one or more Persons approved by the Trustee
      to act as co-trustee or co-trustees jointly with the Trustee, or separate
      trustee or separate trustees, of all or any part of the Trust Fund, and to
      vest
      in such Person or Persons, in such capacity and for the benefit of the
      Certificateholders, such title to the Trust Fund or any part thereof, whichever
      is applicable, and, subject to the other provisions of this Section 8.10, such
      powers, duties, obligations, rights and trusts as the Servicer and the Trustee
      may consider necessary or desirable. If the Servicer shall not have joined
      in
      such appointment within 15 days after the receipt by it of a request to do
      so,
      or in the 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 and no notice to Certificateholders
      of
      the appointment of any co-trustee or separate trustee shall be required under
      Section 8.08.

     

    Every
      separate trustee and co-trustee shall, to the extent permitted by law, be
      appointed and act subject to the following provisions and
      conditions:

     

    (i)  To
      the
      extent necessary to effectuate the purposes of 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 (it being understood that such separate
      trustee or co-trustee is not authorized to act separately without the Trustee
      joining in such act), 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 a 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
      applicable Trust Fund or any portion thereof in any such jurisdiction) shall
      be
      exercised and performed singly by such separate trustee or co-trustee, but
      solely at the direction of the Trustee;

     

    (ii)  No
      trustee hereunder shall be held personally liable by reason of any act or
      omission of any other trustee hereunder and such appointment shall not, and
      shall not be deemed to, constitute any such separate trustee or co-trustee
      as
      agent of the Trustee;

     

    (iii)  The
      Trustee may at any time accept the resignation of or remove any separate trustee
      or co-trustee; and

     

    (iv)  The
      Depositor, and not the Trustee, shall be liable for the payment of reasonable
      compensation, reimbursement and indemnification to any such separate trustee
      or
      co-trustee.

     

    Any
      notice, request or other writing given to the Trustee shall be deemed to have
      been given to each of the separate trustees and co-trustees, when and 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 and a copy thereof given to
      the
      Servicer and the Depositor.

     

    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  	
              Tax
                Matters.

            

    

     

    It
      is
      intended that the assets with respect to which the REMIC elections are to be
      made, as set forth in the Preliminary Statement, shall constitute, and that
      the
      conduct of matters relating to each such segregated pool of assets shall be
      such
      as to qualify such assets as, a “real estate mortgage investment conduit” as
      defined in and in accordance with the Trust Fund Provisions. In furtherance
      of
      such intention, the Trustee covenants and agrees that it shall act as agent
      (and
      the Trustee is hereby appointed to act as agent) for the Tax Matters Person
      and
      on behalf of the Trust Fund and that in such capacity it shall: (a) prepare
      and
      file, or cause to be prepared and filed, in a timely manner, a U.S. Real Estate
      Mortgage Investment Conduit Income Tax Return (Form 1066 or any successor form
      adopted by the Internal Revenue Service) and prepare and file or cause to be
      prepared and filed with the Internal Revenue Service and applicable state or
      local tax authorities income tax or information returns for each taxable year
      with respect to each of REMIC 1, REMIC 2, REMIC 3, REMIC 4 and REMIC 5
      containing such information and at the times and in the manner as may be
      required by the Code or state or local tax laws, regulations, or rules, and
      furnish or cause to be furnished to Certificateholders the schedules, statements
      or information at such times and in such manner as may be required thereby;
      (b)
      within thirty days of the Closing Date, furnish or cause to be furnished to
      the
      Internal Revenue Service, on Forms 8811 or as otherwise may be required by
      the
      Code, the name, title, address, and telephone number of the person that the
      holders of the Certificates may contact for tax information relating thereto,
      together with such additional information as may be required by such form,
      and
      update such information at the time or times in the manner required by the
      Code;
      (c) make or cause to be made elections that the assets of each of REMIC 1,
      REMIC
      2, REMIC 3, REMIC 4 and REMIC 5 be treated as a REMIC on the federal tax return
      for its first taxable year (and, if necessary, under applicable state law);
      (d)
      prepare and forward, or cause to be prepared and forwarded, to the
      Certificateholders and to the Internal Revenue Service and, if necessary, state
      tax authorities, all information returns and reports as and when required to
      be
      provided to them in accordance with the REMIC Provisions, including without
      limitation, the calculation of any original issue discount using the Prepayment
      Assumption; (e) provide information necessary for the computation of tax imposed
      on the transfer of a Residual Certificate to a Person that is not a Permitted
      Transferee, or an agent (including a broker, nominee or other middleman) of
      a
      Non-Permitted Transferee, or a pass-through entity in which a Non-Permitted
      Transferee is the record holder of an interest (the reasonable cost of computing
      and furnishing such information may be charged to the Person liable for such
      tax); (f) to the extent that they are under its control, conduct matters
      relating to such assets at all times that any Certificates are outstanding
      so as
      to maintain the status of REMIC 1, REMIC 2, REMIC 3, REMIC 4 and REMIC 5 as
      a
      REMIC under the REMIC Provisions; (g) not knowingly or intentionally take any
      action or omit to take any action that would cause the termination of the REMIC
      status of REMIC 1, REMIC 2, REMIC 3, REMIC 4 or REMIC 5; (h) pay, from the
      sources specified in the fourth paragraph of this Section 8.11, the amount
      of
      any federal or state tax, including prohibited transaction taxes as described
      below, imposed on the Trust Fund prior to its termination when and as the same
      shall be due and payable (but such obligation shall not prevent the Trustee
      or
      any other appropriate Person from contesting any such tax in appropriate
      proceedings and shall not prevent the Trustee from withholding payment of such
      tax, if permitted by law, pending the outcome of such proceedings); (i) ensure
      that federal, state or local income tax or information returns shall be signed
      by the Trustee or such other person as may be required to sign such returns
      by
      the Code or state or local laws, regulations or rules; (j) maintain records
      relating to the Trust Fund, including but not limited to the income, expenses,
      assets and liabilities thereof and the fair market value and adjusted basis
      of
      the assets determined at such intervals as may be required by the Code, as
      may
      be necessary to prepare the foregoing returns, schedules, statements or
      information; and (k) as and when necessary and appropriate, represent the Trust
      Fund in any administrative or judicial proceedings relating to an examination
      or
      audit by any governmental taxing authority, request an administrative adjustment
      as to any taxable year of the Trust Fund, enter into settlement agreements
      with
      any governmental taxing agency, extend any statute of limitations relating
      to
      any tax item of the Trust Fund, and otherwise act on behalf of the Trust Fund
      in
      relation to any tax matter or controversy involving it.

     

    To
      the
      extent that they are under its control, the Servicer shall conduct matters
      relating to the assets of each REMIC at all times that any Certificates are
      outstanding so as to maintain the status of REMIC
      1,
      REMIC 2, REMIC 3 and REMIC 4 as
      a
      REMIC under the REMIC Provisions. No Servicer shall knowingly or intentionally
      take any action that would cause the termination of the REMIC status of REMIC
      1,
      REMIC 2, REMIC 3and REMIC 4.

     

    In
      order
      to enable the Trustee to perform its duties as set forth herein, the Depositor
      shall provide, or cause to be provided, to the Trustee within ten (10) days
      after the Closing Date all information or data that the Trustee requests in
      writing and determines to be relevant for tax purposes to the valuations and
      offering prices of the Certificates, including, without limitation, the price,
      yield, prepayment assumption and projected cash flows of the Certificates and
      the Mortgage Loans. Thereafter, the Depositor shall provide to the Trustee
      promptly upon written request therefor any such additional information or data
      that the Trustee may, from time to time, reasonably request in order to enable
      the Trustee to perform its duties as set forth herein. The Depositor hereby
      indemnifies the Trustee for any losses, liabilities, damages, claims or expenses
      of the Trustee arising from any errors or miscalculations of the Trustee that
      result from any failure of the Depositor to provide, or to cause to be provided,
      accurate information or data to the Trustee on a timely basis.

     

    In
      the
      event that any tax is imposed on “prohibited transactions” of the Trust Fund as
      defined in Section 860F(a)(2) of the Code, on the “net income from foreclosure
      property” of the Trust Fund as defined in Section 860G(c) of the Code, on any
      contribution to the Trust Fund after the Startup Day pursuant to Section 860G(d)
      of the Code, or any other tax is imposed, if not paid as otherwise provided
      for
      herein, such tax shall be paid by (i) the Trustee, if any such other tax arises
      out of or results from a breach by the Trustee of any of its obligations under
      this Agreement, (ii) the related Servicer or the Seller, in the case of any
      such
      minimum tax, if such tax arises out of or results from a breach by such Servicer
      or the Seller of any of their obligations under this Agreement or (iii) the
      Seller, if any such tax arises out of or results from the Seller’s obligation to
      repurchase a related Mortgage Loan pursuant to Section 2.02 or 2.03 or (iv)
      in
      all other cases, or in the event that the Trustee, the related Servicer or
      Seller fails to honor its obligations under the preceding clauses (i), (ii)
      or
      (iii), any such tax will be paid with amounts otherwise to be distributed to
      the
      Certificateholders, as provided in Section 4.02.

     

    Neither
      a
      Servicer nor the Trustee shall enter into any arrangement by which any of REMIC
      1, REMIC 2, REMIC 3 or REMIC 4 will receive a fee or other compensation for
      services nor permit any of REMIC 1, REMIC 2, REMIC 3 or REMIC 4 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.

     

    
      	SECTION
              8.12  	
              Commission
                Reporting.

            

    

     

    The
      Trustee and the Servicer shall reasonably cooperate with the Depositor in
      connection with the Trust’s satisfying the reporting requirements under the
      Exchange Act.

     

    (a)  (i)
      For
      so
      long as the Trust Fund is subject to the Exchange Act reporting
      requirements,
      within
      15 days after each Distribution Date, the Trustee shall file with the Commission
      via the Electronic Data Gathering and Retrieval System (“EDGAR”), a Distribution
      Report on Form 10-D, signed by the Depositor, with a copy of the Monthly
      Statement to be furnished by the Trustee to the Certificateholders for such
      Distribution Date. Any disclosure in addition to the Monthly Statement required
      to be included on the Form 10-D (“Additional Form 10-D Disclosure”) shall be
      determined and prepared by the Trustee provided the entity indicated in Exhibit
      FF as the responsible party for providing that information notifies the Trustee
      in writing thereof within 5 calendar days after each Distribution Date, and
      the
      Trustee shall have no liability with respect to any failure to properly prepare
      or file such Form 10-D resulting from or relating to the Trustee’s inability or
      failure to obtain any information in a timely manner from the party responsible
      for delivery of such Additional Form 10-D Disclosure.

     

    For
      so
      long as the Trust Fund is subject to the Exchange Act reporting requirements,
      within 5 calendar days after the related Distribution Date, each entity that
      is
      indicated in Exhibit FF as the responsible party for providing Additional Form
      10-D Disclosure shall be required to provide to the Trustee and the Depositor,
      to the extent known by a Responsible Officer, clearly identifying which item
      of
      Form 10-D the information relates to, any Additional Form 10-D Disclosure,
      if
      applicable. The Trustee shall compile the information provided to it, prepare
      the Form 10-D and forward the Form 10-D to the Depositor for verification.
      The
      Depositor will approve, as to form and substance, or disapprove, as the case
      may
      be, the Form 10-D. No later than three Business Days prior to the 15th calendar
      day after the related Distribution Date, an officer of the Depositor shall
      sign
      the Form 10-D and return an electronic or fax copy of such signed Form 10-D
      (with an original executed hard copy to follow by overnight mail) to the
      Trustee.

     

    (ii)  For
      so
      long as the Trust Fund is subject to the Exchange Act reporting requirements,
      within four (4) Business Days after the occurrence of an event requiring
      disclosure on Form 8-K (each such event, a “Reportable Event”), and if requested
      by the Depositor, the Trustee shall prepare and file on behalf of the Trust
      a
      Form 8-K reporting such Reportable Event, provided that the Depositor shall
      file
      the initial Form 8-K in connection with the issuance of the Certificates. Any
      disclosure or information related to a Reportable Event or that is otherwise
      required to be included on Form 8-K (“Form 8-K Disclosure Information”) shall be
      determined and provided to the Trustee by the entity that is indicated in
      Exhibit FF as the responsible party for providing that information, if other
      than the Trustee, to the Trustee within two Business Days after the Reportable
      Event, and the Trustee shall have no liability with respect to any failure
      to
      properly prepare or file such Form 8-K resulting from or relating to the
      Trustee’s inability or failure to obtain any information in a timely manner from
      the party responsible for delivery of such Form 8-K Disclosure
      Information.

     

    For
      so
      long as the Trust Fund is subject to the Exchange Act reporting requirements,
      no
      later than the end of business on the second Business Day after the occurrence
      of a Reportable Event, the entity that is indicated in Exhibit FF as the
      responsible party for providing Form 8-K Disclosure Information shall be
      required to provide to the Trustee and the Depositor, to the extent known by
      a
      Responsible Officer, the substance of any Form 8-K Disclosure Information,
      if
      applicable. The Trustee shall compile the information provided to it, prepare
      the Form 8-K and forward the Form 8-K to the Depositor for verification. The
      Depositor will approve, as to form and substance, or disapprove, as the case
      may
      be, the Form 8-K. No later than 5 p.m. New York City time on the third Business
      Days after the Reportable Event, an officer of the Depositor shall sign the
      Form
      8-K and return an electronic or fax copy of such signed Form 8-K (with an
      original executed hard copy to follow by overnight mail) to the
      Trustee.

     

    (iii)  Prior
      to
      January 30 of the first year in which the Trustee is able to do so under
      applicable law, the Trustee shall file a Form 15 Suspension Notice with respect
      to the Trust Fund. Prior to (x) March 15, 2007 and (y) unless and until a Form
      15 Suspension Notice shall have been filed, prior to March 15 of each year
      thereafter, the Servicer and any Special Servicer shall provide the Trustee
      (for
      inclusion in the Form 10-K) with an Annual Compliance Statement, together with
      a
      copy of the Assessment of Compliance and Attestation Report to be delivered
      by
      the the Servicer or any Special Servicer pursuant to Sections 3.16 and 3.17
      (including with respect to any Subservicer to which such Servicer has delegated
      any of its responsibilities with respect to the related Mortgage Loans and
      each
      Subcontractor determined by the Servicer to be “participating in the servicing
      function” within the meaning of Item 1122 of Regulation AB, if required to be
      filed). Prior to (x) March 31, 2007 and (y) unless and until a Form 15
      Suspension Notice shall have been filed, March 31 of each year thereafter,
      the
      Trustee shall file a Form 10-K with respect to the Trust Fund. Such Form 10-K
      shall include the items provided by the Servicer and any Special Servicer
      pursuant to the second preceding sentence, the Assessment of Compliance and
      Attestation Report provided pursuant to Section 3.17 with respect to the
      Trustee, and the Form 10-K certification in the form attached hereto as Exhibit
      W (the “Depositor Certification”) signed by the senior officer of the Depositor
      in charge of securitization. The Trustee shall receive the items described
      in
      the preceding sentence no later than March 10 of each calendar year prior to
      the
      filing deadline for the Form 10-K for so long as the Trust Fund is subject
      to
      the Exchange Act reporting requirements. If the Trustee or the Depositor has
      not
      received such items by March 10 of the related year, such party shall notify
      the
      the Servicer or any Special Servicer by telephone and email, or by telephone
      and
      fax, of such failure.

     

    Not
      later
      than 5 Business Days before the date on which the Form 10-K is required to
      be
      filed in accordance with the Exchange Act and the rules and regulations of
      the
      Commission, the Depositor will deliver to the Trustee a form of the Depositor
      Certification. The Depositor shall subsequently deliver to the Trustee the
      executed Depositor Certification no later than the date on which the Form 10-K
      is required to be filed.

     

    Any
      disclosure or information in addition to that described in the preceding
      paragraph that is required to be included on Form 10-K (“Additional Form 10-K
      Disclosure”) shall be determined and provided to the Trustee by the entity that
      is indicated in Exhibit FF as the responsible party for providing that
      information, if other than the Trustee.

     

    If
      information, data and exhibits to be included in the Form 10-K are not so timely
      delivered, the Trustee shall file an amended Form 10-K including such documents
      as exhibits reasonably promptly after they are delivered to the Trustee. The
      Trustee shall have no liability with respect to any failure to properly prepare
      or file such periodic reports resulting from or relating to the Trustee’s
      inability or failure to timely obtain any information from any other
      party.

     

    Prior
      to
      (x) March 15, 2007 and (y) unless and until a Form 15 Suspension Notice shall
      have been filed, prior to March 1 of each year thereafter, each entity that
      is
      indicated in Exhibit FF as the responsible party for providing Additional Form
      10-K Disclosure information shall be required to provide to the Trustee and
      the
      Depositor, to the extent known by a Responsible Officer, the substance of any
      Additional Form 10-K Disclosure information, if applicable. The Trustee shall
      compile the information provided to it, prepare the Form 10-K and forward the
      Form 10-K to the Depositor for verification. The Depositor will approve, as
      to
      form and substance, or disapprove, as the case may be, the Form 10-K by no
      later
      than March 25 of the relevant year (or the immediately preceding Business Day
      if
      March 25 is not a Business Day), an officer of the Depositor shall sign the
      Form
      10-K and return an electronic or fax copy of such signed Form 10-K (with an
      original executed hard copy to follow by overnight mail) to the
      Trustee.

     

    The
      Trustee will post electronic copies of all Form 10-D, 8-K and 10-K filings
      on
      its internet website referred to in Section 4.06 as soon as reasonably
      practicable after such filings have been made with the Commission.

     

    (b)  Not
      later
      than 15 calendar days before the date on which the Form 10-K is required to
      be
      filed in accordance with the Exchange Act and the rules and regulations of
      the
      Commission (or, if such day is not a Business Day, the immediately preceding
      Business Day), the Trustee shall sign a certification in the form attached
      hereto as Exhibit X (the “Trustee Certification”) for the benefit of the
      Depositor and its officers, directors and affiliates regarding certain aspects
      of items 1 through 3 of the Depositor Certification. In addition, the Trustee
      shall, subject to the provisions of Section 8.01 and 8.02 hereof, indemnify
      and
      hold harmless the Depositor and each Person, if any, who “controls” the
      Depositor within the meaning of the Securities Act and its officers, directors
      and affiliates from and against any losses, damages, penalties, fines,
      forfeitures, reasonable and necessary legal fees and related costs, judgments
      and other costs and expenses arising out of or based upon (i) the failure of
      the
      Trustee to deliver when required any Assessment of Compliance required pursuant
      to Section 3.17 or (ii) any material misstatement or omission contained in
      the
      Trustee Certification or the Assessment of Compliance prepared by the Trustee
      pursuant to Section 3.17. If the indemnification provided for in this Section
      8.12(b) is unavailable or insufficient to hold harmless such Persons, then
      the
      Trustee shall contribute to the amount paid or payable by such Persons as a
      result of the losses, claims, damages or liabilities of such Persons in such
      proportion as is appropriate to reflect the relative fault of the Depositor
      on
      the one hand and the Trustee on the other. The Trustee acknowledges that the
      Depositor is relying on the Trustee’s performance of its obligations under this
      Section 8.12 in order to perform its obligations under Section 8.12(a)
      above.

     

    (c)  Not
      later
      than March 10 of each year during which the Trust Fund is subject to the
      Exchange Act reporting requirements, the Servicer and any Special Servicer
      will
      deliver to the Depositor and the Trustee an Officer’s Certificate for the prior
      calendar year in substantially the form of Exhibit Y to this Agreement. If
      the
      Trustee or the Depositor has not received such Officer’s Certificate by March 10
      of such year, such party shall notify the Servicer by telephone and email,
      or by
      telephone and fax, of such failure. The Servicer and any Special Servicer agrees
      to indemnify and hold harmless the Depositor, the Trustee and each Person,
      if
      any, who “controls” the Depositor or the Trustee within the meaning of the
      Securities Act and their respective officers, directors and affiliates from
      and
      against any losses, damages, penalties, fines, forfeitures, reasonable and
      necessary legal fees and related costs, judgments and other costs, fees and
      expenses that such Person may sustain arising out of third party claims based
      on
      (i) the failure of the Servicer or any Special Servicer, as applicable, to
      deliver or cause to be delivered when required any Officer’s Certificate
      pursuant to this Section 8.12(c), the Annual Statement of Compliance pursuant
      to
      Section 3.16 or the Assessment of Compliance pursuant to Section 3.17, or (ii)
      any material misstatement or omission contained in any Officer’s Certificate
      provided pursuant to this Section 8.12(c), in the Annual Statement of Compliance
      delivered pursuant to Section 3.16 or in the Assessment of Compliance delivered
      pursuant to Section 3.17. If an event occurs that would otherwise result in
      an
      indemnification obligation under clauses (i) or (ii) above, but the
      indemnification provided for in this Section 8.12(c) by the Servicer or any
      Special Servicer, as applicable, is unavailable or insufficient to hold harmless
      such Persons, then the Servicer or any Special Servicer, as applicable, shall
      contribute to the amount paid or payable by such Persons as a result of the
      losses, claims, damages or liabilities of such Persons in such proportion as
      is
      appropriate to reflect the relative fault of the Depositor or Trustee on the
      one
      hand and the Servicer or any Special Servicer, as applicable, on the other.
      The
      Servicer and any Special Servicer acknowledges that the Depositor and the
      Trustee are relying on the Servicer’s and any Special Servicer’s performance of
      its obligations under this Agreement in order to perform their respective
      obligations under this Section 8.12.

     

    (d)  Upon
      any
      filing with the Commission, the Trustee shall promptly deliver to the Depositor
      a copy of any executed report, statement or information.

     

    (e)  If
      the
      Commission issues additional interpretative guidance or promulgates additional
      rules or regulations, or if other changes in applicable law occur, that would
      require the reporting arrangements, or the allocation of responsibilities with
      respect thereto, described in this Section 8.12, to be conducted differently
      than as described, the Depositor, Servicer and Trustee will reasonably cooperate
      to amend the provisions of this Section 8.12 in order to comply with such
      amended reporting requirements and such amendment of this Section 8.12. Any
      such
      amendment shall be made in accordance with Section 10.01 without the consent
      of
      the Certificateholders, and may result in a change in the reports filed by
      the
      Trustee on behalf of the Trust under the Exchange Act. Notwithstanding the
      foregoing, the Depositor, Servicer and Trustee shall not be obligated to enter
      into any amendment pursuant to this Section 8.12 that adversely affects its
      obligations and immunities under this Agreement.

     

    Each
      of
      the parties acknowledges and agrees that the purpose of Sections 3.16, 3.17
      and
      8.12 of this Agreement is to facilitate compliance by the Purchaser and the
      Depositor with the provisions of Regulation AB promulgated by the SEC under
      the
      Exchange Act (17 C.F.R. §§ 229.1100 - 229.1123), as such may be amended from
      time to time and subject to clarification and interpretive advice as may be
      issued by the staff of the Commission from time to time. Therefore, each of
      the
      parties agrees that (a) the obligations of the parties hereunder shall be
      interpreted in such a manner as to accomplish that purpose, (b) the parties’
obligations hereunder will be supplemented and modified as necessary to be
      consistent with any such amendments, or SEC interpretive advice or guidance
      in
      respect of the requirements of Regulation AB, (c) the parties shall comply
      with
      reasonable requests made by the Seller or the Depositor for delivery of
      additional or different information as is necessary to comply with the
      provisions of Regulation AB, and (d) no amendment of this Agreement shall be
      required to effect any such changes in the parties’ obligations as are necessary
      to accommodate evolving interpretations of the provisions of Regulation
      AB.

     

    (f)  [Reserved]
      

     

    

     

    ARTICLE
      IX

     

    TERMINATION

     

    
      	SECTION
              9.01  	
              Termination
                upon Liquidation or Purchase of the Mortgage
                Loans.

            

    

     

    Subject
      to Section 9.03 and Section 9.04, the rights, obligations and responsibilities
      of the Depositor, the Seller, the Servicer any Special Servicer and the Trustee
      created hereunder with respect to the Trust Fund shall terminate upon the
      earliest of:

     

    (a)  the
      purchase by the Majority Servicer on behalf of the Terminating Entity, at the
      direction of the Terminating Entity, of all Mortgage Loans (and REO Properties)
      remaining at the price equal the sum of (A) 100% of the Aggregate Collateral
      Balance (other than in respect of REO Property) plus one month’s accrued
      interest thereon at the applicable Mortgage Rate, (B) with respect to any REO
      Property, the lesser of (x) the appraised value of any REO Property as
      determined by the higher of two independent valuations completed by two
      independent companies selected by the Depositor at the expense of the Depositor
      and (y) the Stated Principal Balance of each Mortgage Loan related to any REO
      Property, in each case plus accrued and unpaid interest thereon at the
      applicable Mortgage Rate and (C) any remaining unreimbursed Advances, Servicing
      Advances and Servicing Fees payable to a Servicer (other than a Servicer that
      is
      the Terminating Entity) and any unreimbursed Advances (made by the Trustee
      as a
      successor Servicer), Trustee Fees and (D) any Swap Termination Payment payable
      to the Counterparty which remains unpaid or which is due to the exercise of
      such
      option (the “Swap Optional Termination Payment”) (the sum of (A), (B), (C) and
      (D), collectively, the “Par Value”); and

     

    (b)  the
      later
      of (i) the maturity or other liquidation (or any Advance with respect thereto)
      of the last Mortgage Loan remaining in the Trust Fund and the disposition of
      all
      REO Property and (ii) the distribution to Certificateholders of all amounts
      required to be distributed to them pursuant to this Agreement.

     

    In
      no
      event shall the trusts created hereby continue beyond the earlier of (i) the
      expiration of 21 years from the death of the survivor of the descendants of
      Joseph P. Kennedy, the late Ambassador of the United States to the Court of
      St.
      James’s, living on the date hereof and (ii) the Latest Possible Maturity Date.
      The right to repurchase all Mortgage Loans and REO Properties pursuant to clause
      (a) above shall be conditioned upon the aggregate Stated Principal Balance
      of
      the Mortgage Loans and the appraised value of the REO Properties at the time
      of
      any such repurchase, aggregating less than ten percent of the Aggregate
      Collateral Balance as of the Cut-off Date.

     

    
      	SECTION
              9.02  	
              Final
                Distribution on the Certificates.

            

    

     

    If
      on any
      Determination Date, the Trustee determines that there are no Outstanding
      Mortgage Loans and no other funds or assets in the Trust Fund other than the
      funds in the Collection Accounts and Certificate Account, the Trustee shall
      promptly send a final distribution notice to each Certificateholder. If the
      Terminating Entity above elects to direct the Majority Servicer to terminate
      the
      Trust Fund on behalf of the Terminating Entity pursuant to Section 9.01(a),
      at
      least 20 days prior to the first day of the Optional Termination Notice Period
      such Person shall notify the Servicer and the Trustee of the date the Majority
      Servicer, on behalf of the Terminating Entity, intends to terminate the Trust
      Fund and of the applicable purchase price of the Mortgage Loans and REO
      Properties.

     

    In
      connection with any Optional Termination, four Business Days prior to the final
      Distribution Date specified in the notice required pursuant to Section 9.02,
      the
      Trustee shall, no later than 4:00 pm New York City time on such day, request
      in
      writing (in accordance with the applicable provision in the Swap Agreement)
      and
      by phone from the Counterparty the amount of the Estimated Swap Termination
      Payment. The Counterparty shall, no later than 2:00 pm on the following Business
      Day, notify in writing (which may be done in electronic format) the Trustee
      of
      the amount of the Estimated Swap Termination Payment; the Trustee shall promptly
      on the same day notify the Terminating Entity of the amount of the Estimated
      Swap Termination Payment.

     

    Notice
      of
      any termination of the Trust Fund, specifying the Distribution Date on which
      Certificateholders shall surrender their Certificates for payment of the final
      distribution and cancellation (whether upon Optional Termination or otherwise),
      shall be given promptly by the Trustee by letter to Certificateholders mailed
      not earlier than the 15th day and not later than the 10th day preceding the
      applicable Optional Termination Date or date of final distribution, as the
      case
      may be (such period, the “Optional Termination Notice Period”). Any such notice
      shall specify (a) the Distribution Date upon which final distribution on the
      Certificates will be made upon presentation and surrender of Certificates at
      the
      office therein designated, (b) the amount of such final distribution, (c) the
      location of the office or agency at which such presentation and surrender must
      be made, and (d) that the Record Date otherwise applicable to such Distribution
      Date is not applicable, distributions being made only upon presentation and
      surrender of the Certificates at the office therein specified. The Trustee
      shall
      give such notice to each Rating Agency and the Servicer at the time such notice
      is given to Certificateholders.

     

    Any
      purchase by the Majority Servicer on behalf of the Terminating Entity pursuant
      to Section 9.01(a) shall be made on an Optional Termination Date in accordance
      with the following procedures. Two Business Days prior to the final Distribution
      Date specified in the notice required pursuant to this Section 9.02, (i) the
      Terminating Entity shall, no later than 1:00 pm New York City time on such
      day,
      deposit funds in the Certificate Account in an amount equal to the sum of the
      Par Value (other than the Swap Optional Termination Payment) and the Estimated
      Swap Termination Payment, and (ii) if the Trustee shall have determined that
      the
      aggregate Stated Principal Balance of all of the Mortgage Loans in the Trust
      Fund and the appraised value of the REO Properties as of the related
      Determination Date is less than 10% of the Aggregate Collateral Balance as
      of
      the Cut-off Date and that all other requirements of the Optional Termination
      have been met, including without limitation, the deposit required pursuant
      to
      the second paragraph of this Section 9.02 as well as the requirements specified
      in Section 9.03, then the Trustee shall, on the same Business Day, provide
      written notice to the Terminating Entity, the Depositor, the Servicer and the
      Counterparty (in accordance with the applicable provision of the Swap Agreement)
      confirming (a) its receipt of the Par Value (other than the Swap Optional
      Termination Payment) and the Estimated Swap Termination Payment and (b) that
      all
      other requirements of the Optional Termination have been met. Upon the Trustee’s
      providing the notice described in the preceding sentence, the Optional
      Termination shall become irrevocable, the notice to Certificateholders of such
      Optional Termination provided pursuant to the preceding paragraph of this
      Section 9.02 shall become unrescindable, the Counterparty shall determine the
      Swap Optional Termination Payment in accordance with the Swap Agreement, and
      the
      Counterparty shall provide to the Trustee written notice of the amount of the
      Swap Optional Termination Payment not later than one Business Day prior to
      the
      final Distribution Date specified in the notice required pursuant to this
      Section 9.02. Upon receipt by the Trustee of an Officer’s Certificate of the
      Terminating Entity certifying as to the deposit of such amounts into the
      Certificate Account, the Trustee shall, upon request and at the expense of
      the
      Terminating Entity execute and deliver all such instruments of transfer or
      assignment delivered to it by the Terminating Entity, in each case without
      recourse, as shall be reasonably requested by the Terminating Entity to vest
      title in the Terminating Entity in the Mortgage Loans so purchased and shall
      transfer or deliver to the Terminating Entity the purchased Mortgage Loans.
      Any
      distributions on the Mortgage Loans which have been subject to an Optional
      Termination received by the Trustee subsequent to (or with respect to any period
      subsequent to) the Optional Termination Date shall be promptly remitted by
      it to
      the Terminating Entity.

     

    The
      Terminating Entity shall reimburse the Majority Servicer for its reasonable
      out-of-pocket expenses incurred in connection with its termination of the Trust
      Fund on behalf of the Terminating Entity and shall indemnify and hold harmless
      the Majority Servicer for any losses, liabilities or expenses resulting from
      any
      claims relating to the Majority Servicer's termination of the Trust Fund on
      behalf of the Terminating Entity.

     

    Upon
      presentation and surrender of the Certificates, the Trustee shall cause the
      final distribution to the Certificateholders of each Class on the final
      Distribution Date to be made in accordance with the priorities of Section 4.02.
      In connection with any Optional Termination, only an amount equal to the Par
      Value less any Swap Optional Termination Payment shall be made available for
      distribution to the Regular Certificates. Any Estimated Swap Termination Payment
      deposited into the Certificate Account by the Terminating Entity shall be
      withdrawn by the Trustee from the Certificate Account on the related final
      Distribution Date and distributed as follows: (i) to the Supplemental Interest
      Trust for payment to the Counterparty in accordance with Section 4.11(c), an
      amount equal to the Swap Optional Termination Amount calculated pursuant to
      the
      Swap Agreement, provided that in no event shall the amount distributed to the
      Counterparty in respect of the Swap Optional Termination Amount exceed the
      Estimated Swap Termination Payment, and (ii) to the Terminating Entity an amount
      equal to the excess, if any, of the Estimated Swap Termination Payment over
      the
      Swap Optional Termination Payment. The Swap Optional Termination Payment shall
      not be part of any REMIC and shall not be paid into any account which is part
      of
      any REMIC. On the final Distribution Date, the Overcollateralization Amount
      shall be distributed to the Class X-1 Certificates in accordance with Section
      4.02(b)(iv)Y. hereof. All amounts described in the definition of “Par Value”
payable to the Trustee shall be paid to the Trustee from the proceeds of an
      optional termination prior to any distributions to
      Certificateholders.

     

    In
      the
      event that any affected Certificateholders shall not surrender Certificates
      for
      cancellation within six months after the date specified in the above mentioned
      written notice, the Trustee 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 all the applicable Certificates shall not have been surrendered
      for cancellation, the Trustee may take appropriate steps, or may appoint an
      agent to take appropriate steps, to contact the remaining Certificateholders
      concerning surrender of their Certificates, and the cost thereof shall be paid
      out of the funds and other assets which remain a part of the Trust Fund. If
      within one year after the second notice all Certificates shall not have been
      surrendered for cancellation, the Class A-R Certificateholders shall be entitled
      to all unclaimed funds and other assets of the Trust Fund which remain subject
      hereto and the Trustee shall be discharged from all further liability with
      respect to the Certificates and this Agreement.

     

    
      	SECTION
              9.03  	
              Additional
                Termination Requirements.

            

    

     

    (a)  In
      the
      event that the Terminating Entity exercises its purchase option with respect
      to
      the Mortgage Loans as provided in Section 9.01(a), at such time as the Mortgage
      Loans are so purchased, the Trust Fund shall be terminated in accordance with
      the following additional requirements, unless the Trustee has been supplied
      with
      an Opinion of Counsel, at the expense of the Depositor, to the effect that
      the
      failure to comply with the requirements of this Section 9.03 will not (i) result
      in the imposition of taxes on “prohibited transactions” on any REMIC as defined
      in Section 860F of the Code, or (ii) cause REMIC 1, REMIC 2, REMIC 3, REMIC
      4
      and REMIC 5 to fail to qualify as a REMIC at any time that any Certificates
      are
      outstanding:

     

    
      	 	
              (1)

            	
              Within
                90 days prior to the final Distribution Date set forth in the notice
                given
                by the Trustee under Section 9.02, the Depositor shall prepare and
                the
                Trustee, at the expense of the Depositor, shall adopt a plan of complete
                liquidation within the meaning of Section 860F(a)(4) of the Code
                which, as
                evidenced by an Opinion of Counsel (which opinion shall not be an
                expense
                of the Trustee, the Tax Matters Person or the Trust Fund), meets
                the
                requirements of a qualified
                liquidation;

            

    

     

    
      	 	
              (2)

            	
              Within
                90 days after the time of adoption of such a plan of complete liquidation,
                the Trustee shall sell all of the assets of the Trust Fund to the
                Depositor for cash in accordance with Section 9.01;
                and

            

    

     

    
      	 	
              (3)

            	
              On
                the date specified for final payment of the Certificates, the Trustee
                shall, after payment of any unreimbursed Advances, Servicing Advances,
                Servicing Fees or other fee compensation payable to the Servicer
                pursuant
                to this Agreement, make final distributions of principal and interest
                on
                the Certificates in accordance with Section 4.02 and distribute or
                credit,
                or cause to be distributed or credited, to the Holders of the Residual
                Certificates all cash on hand after such final payment (other than
                the
                cash retained to meet claims), and the Trust Fund (and any REMIC)
                shall
                terminate at that time.

            

    

     

    (b)  The
      Trustee as agent for REMIC 1, REMIC 2, REMIC 3 and REMIC 4 hereby agrees to
      adopt and sign such a plan of complete liquidation upon the written request
      of
      the Depositor, and the receipt of the Opinion of Counsel referred to in Section
      9.03(a)(1) and to take such other action in connection therewith as may be
      reasonably requested by the Depositor.

     

    (c)  By
      their
      acceptance of the Certificates, the Holders thereof hereby authorize the
      Depositor to prepare and the Trustee to adopt and sign a plan of complete
      liquidation.

     

    
      	SECTION
              9.04  	
              Determination
                of the Terminating Entity.

            

    

     

    (a)  The
      Trustee shall determine the “Terminating Entity” as follows:

     

    (i)
      the
      Holder of the largest Percentage Interest of Class X-1 Certificates, unless
      (1)
      the Holder of the largest Percentage Interest of Class X-1 Certificates is
      the
      Depositor or an Affiliate of the Depositor and (2) DLJMC is not the owner of
      the
      servicing rights with respect to any Mortgage Loan on the Optional Termination
      Date;

     

    (ii)
      the
      Holder of the next largest Percentage Interest of Class X-1 Certificates, if
      (1)
      the Holder of the largest Percentage Interest of Class X-1 Certificates is
      the
      Depositor or an Affiliate of the Depositor and (2) DLJMC is not the owner of
      the
      servicing rights with respect to any Mortgage Loan on the Optional Termination
      Date;

     

    (iii)
      the
      Servicer on the Optional Termination Date, if (1) the Depositor or an Affiliate
      of the Depositor is the Holder of 100% of the Class X-1 Certificates and (2)
      DLJMC is not the owner of the servicing rights with respect to any Mortgage
      Loan
      on the Optional Termination Date; provided, that, if a Holder of Class X-1
      Certificates is eligible to be the Terminating Entity on any Optional
      Termination Date and does not exercise its right to purchase all of the Mortgage
      Loans from the Trust, the option to purchase the Mortgage Loans on such Optional
      Termination Date shall not be exercised.

     

    (b)  If
      the
      Terminating Entity, as set forth in Section 9.04(a) above, elects to direct
      the
      Majority Servicer to purchase all Mortgage Loans and all property acquired
      in
      respect of any remaining Mortgage Loan, on behalf of the Terminating Entity,
      such party must give written notice to the Trustee no later than twenty (20)
      days prior to the first day of the Optional Termination Notice Period. Upon
      receiving such notice, the Trustee shall immediately request from DLJMC and
      DLJMC shall deliver no later than seventeen (17) days prior to the first day
      of
      the Optional Termination Notice Period a letter indicating whether or not DLJMC
      retains the servicing rights to any Mortgage Loan. For the avoidance of doubt,
      the Majority Servicer may not elect to exercise an Optional Termination other
      than at the direction of the Terminating Entity.

     

    (c)  No
      later
      than fifteen (15) days prior to the first day of the Optional Termination Notice
      Period, the Trustee shall provide notice to the Servicer that is a servicer
      of
      any of the Mortgage Loans of the identity of the Terminating Entity.

     

    
      
        
        

      

      
        
        

        
          

        

      

      
        
        

      

    

    

     

    ARTICLE
      X

     

    MISCELLANEOUS
      PROVISIONS

     

    
      	SECTION
              10.01  	
              Amendment.

            

    

     

    This
      Agreement may be amended from time to time by the Depositor, the Servicer,
      the
      Seller and the Trustee without the consent of any of the Certificateholders
      (i)
      to cure any ambiguity or mistake, (ii) to correct any defective provision herein
      or to supplement any provision herein which may be inconsistent with any other
      provision herein, (iii) to add to the duties of the Depositor, the Seller or
      any
      Servicer, (iv) to add any other provisions with respect to matters or questions
      arising hereunder or (v) to modify, alter, amend, add to or rescind any of
      the
      terms or provisions contained in this Agreement; provided that any action
      pursuant to clauses (iv) or (v) above shall not, as evidenced by an Opinion
      of
      Counsel (which Opinion of Counsel shall not be an expense of the Trustee or
      the
      Trust Fund, but shall be at the expense of the party proposing such amendment),
      adversely affect in any material respect the interests of any Certificateholder;
      provided, however, that no such Opinion of Counsel shall be required if the
      Person requesting the amendment obtains a letter from each Rating Agency stating
      that the amendment would not result in the downgrading or withdrawal of the
      respective ratings then assigned to the Certificates; it being understood and
      agreed that any such letter in and of itself will not represent a determination
      as to the materiality of any such amendment and will represent a determination
      only as to the credit issues affecting any such rating. The Trustee, the
      Depositor, the Seller and the Servicer also may at any time and from time to
      time amend this Agreement without the consent of the Certificateholders to
      modify, eliminate or add to any of its provisions to such extent as shall be
      necessary or helpful to (i) maintain the qualification of REMIC 1, REMIC 2,
      REMIC 3 and REMIC 4 as a REMIC under the Code, (ii) avoid or minimize the risk
      of the imposition of any tax on the Trust Fund pursuant to the Code that would
      be a claim at any time prior to the final redemption of the Certificates or
      (iii) comply with any other requirements of the Code, provided that the Trustee
      has been provided an Opinion of Counsel, which opinion shall be an expense
      of
      the party requesting such opinion but in any case shall not be an expense of
      the
      Trustee or the Trust Fund, to the effect that such action is necessary or
      helpful to, as applicable, (i) maintain such qualification, (ii) avoid or
      minimize the risk of the imposition of such a tax or (iii) comply with any
      such
      requirements of the Code.

     

    This
      Agreement may also be amended from time to time by the Depositor, the Servicer,
      the Seller and the Trustee with the consent of the Holders of a Majority in
      Interest of each Class of Certificates affected thereby for the purpose of
      adding any provisions to or changing in any manner or eliminating any of the
      provisions of this Agreement or of modifying in any manner the rights of the
      Holders of Certificates; provided, however, that no such amendment shall (i)
      reduce in any manner the amount of, or delay the timing of, payments required
      to
      be distributed on any Certificate without the consent of the Holder of such
      Certificate, (ii) adversely affect in any material respect the interests of
      the
      Holders of any Class of Certificates in a manner other than as described in
      clause (i), without the consent of the Holders of Certificates of such Class
      evidencing, as to such Class, Percentage Interests aggregating 66%, or (iii)
      reduce the aforesaid percentages of Certificates the Holders of which are
      required to consent to any such amendment, without the consent of the Holders
      of
      all such Certificates then outstanding.

     

    Notwithstanding
      any contrary provision of this Agreement, the Trustee shall not consent to
      any
      amendment to this Agreement unless it shall have first received an Opinion
      of
      Counsel, which opinion shall not be an expense of the Trustee or the Trust
      Fund,
      but shall be at the expense of the party preparing such amendment, to the effect
      that such amendment will not cause the imposition of any federal tax on the
      Trust Fund or the Certificateholders or cause REMIC 1, REMIC 2, REMIC 3 and
      REMIC 4 to fail to qualify as a REMIC at any time that any Certificates are
      outstanding.

     

    Notwithstanding
      any of the other provisions of this Section 10.01, none of the Depositor, the
      Servicer, the Seller or the Trustee shall enter into any amendment to this
      Agreement or any other amendment that would have a material adverse effect
      on
      the Counterparty without the prior written consent of the
      Counterparty.

     

    Promptly
      after the execution of any amendment to this Agreement, the Trustee shall
      furnish written notification of the substance or a copy of such amendment to
      each Certificateholder if the consent of Certificateholders was required and
      each Rating Agency.

     

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

     

    Nothing
      in this Agreement shall require the Trustee to enter into an amendment without
      receiving an Opinion of Counsel (which Opinion shall not be an expense of the
      Trustee or the Trust Fund), satisfactory to the Trustee that (i) such amendment
      is permitted and is not prohibited by this Agreement and that all requirements
      for amending this Agreement have been complied with; and (ii) either (A) the
      amendment does not adversely affect in any material respect the interests of
      any
      Certificateholder or (B) the conclusion set forth in the immediately preceding
      clause (A) is not required to be reached pursuant to this Section
      10.01.

     

    
      	SECTION
              10.02  	
              Recordation
                of Agreement; Counterparts.

            

    

     

    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 Depositor at its expense, but only upon direction by the Trustee
      accompanied by an Opinion of Counsel to the effect that such recordation
      materially and beneficially affects the interests of the
      Certificateholders.

     

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

     

    
      	SECTION
              10.03  	
              Governing
                Law.

            

    

     

    THIS
      AGREEMENT SHALL BE CONSTRUED IN ACCORDANCE WITH AND GOVERNED BY THE SUBSTANTIVE
      LAWS OF THE STATE OF NEW YORK APPLICABLE TO AGREEMENTS MADE AND TO BE PERFORMED
      IN THE STATE OF NEW YORK AND THE OBLIGATIONS, RIGHTS AND REMEDIES OF THE PARTIES
      HERETO AND THE CERTIFICATEHOLDERS SHALL BE DETERMINED IN ACCORDANCE WITH SUCH
      LAWS.

     

    
      	SECTION
              10.04  	
              [Reserved].

            

    

     

    
      	SECTION
              10.05  	
              Notices.

            

    

     

    (a)  The
      Trustee shall use its best efforts to promptly provide notice to each Rating
      Agency with respect to each of the following of which a Responsible Officer
      of
      the Trustee has actual knowledge and to the Counterparty with respect to clauses
      (i), (iii) (as it relates to the Trustee only) and (v) of which a Responsible
      Officer of the Trustee has actual knowledge:

     

    (i)  Any
      material change or amendment to this Agreement;

     

    (ii)  The
      occurrence of any Event of Default that has not been cured;

     

    (iii)  The
      resignation or termination of any Servicer or the Trustee and the appointment
      of
      any successor;

     

    (iv)  The
      repurchase or substitution of Mortgage Loans pursuant to Sections 2.02 and
      2.03;
      and

     

    (v)  The
      final
      payment to Certificateholders.

     

    (b)  In
      addition, the Trustee shall promptly furnish to each Rating Agency copies of
      the
      following to the extent such items are in its possession:

     

    (i)  Each
      report to Certificateholders described in Section 4.06 and 3.19;

     

    (ii)  Each
      annual statement as to compliance described in Section 3.16;

     

    (iii)  Each
      annual independent public accountants’ servicing report described in Section
      3.17; and

     

    (iv)  Any
      notice of a purchase of a Mortgage Loan pursuant to Section 2.02, 2.03 or
      3.11.

     

    All
      directions, demands and notices hereunder shall be in writing and shall be
      deemed to have been duly given when delivered to (a) in the case of the
      Depositor and the Seller, Eleven Madison Avenue, 4th Floor, New York, New York
      10010, Attention: Peter Sack (with a copy to Credit Suisse First Boston Mortgage
      Securities Corp., Eleven Madison Avenue, 4th Floor, New York, New York 10010,
      Attention: Office of the General Counsel), (b) in the case of the Trustee,
      the
      Corporate Trust Office or such other address as the Trustee may hereafter
      furnish to the Depositor and the Servicer, (c) in the case of SPS, Select
      Portfolio Servicing, Inc, 3815 South West Temple, Salt Lake City, Utah,
      Attention: General Counsel, or such other address as may be hereafter furnished
      in writing to the Depositor and the Trustee by SPS, (d) in the case of each
      of
      the Rating Agencies, the address specified therefor in the definition
      corresponding to the name of such Rating Agency, and (e) in the case of the
      Counterparty: One Cabot Square, London E14 4QJ, England, Attention: Head of
      Credit Risk Management. Notices to Certificateholders shall be deemed given
      when
      mailed, first class postage prepaid, to their respective addresses appearing
      in
      the Certificate Register.

     

    
      	SECTION
              10.06  	
              Severability
                of Provisions.

            

    

     

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

     

    
      	SECTION
              10.07  	
              Assignment.

            

    

     

    Notwithstanding
      anything to the contrary contained herein, except as provided in Sections 6.02
      and 6.04, this Agreement may not be assigned by any Servicer without the prior
      written consent of the Trustee and Depositor; provided, however, that neither
      the Depositor nor the Trustee shall consent to any such assignment unless each
      Rating Agency has confirmed in writing that such assignment will not cause
      a
      reduction or withdrawal of the ratings then assigned by it to any Class of
      Certificates.

     

    
      	SECTION
              10.08  	
              Limitation
                on Rights of Certificateholders.

            

    

     

    The
      death
      or incapacity of any Certificateholder shall not operate to terminate this
      Agreement or the trust created hereby, nor entitle such Certificateholder’s
      legal representative or heirs to claim an accounting or to take any action
      or
      commence any proceeding in any court for a petition or winding up of the trust
      created hereby, or otherwise affect the rights, obligations and liabilities
      of
      the parties hereto or any of them.

     

    No
      Certificateholder shall have any right to vote (except as 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 party by
      reason of any action taken by the parties to this Agreement pursuant to any
      provision hereof.

     

    No
      Certificateholder shall have any right by virtue or by availing itself of any
      provisions of this Agreement to institute any suit, action or proceeding in
      equity or at law upon or under or with respect to this Agreement, unless such
      Holder previously shall have given to the Trustee a written notice of an Event
      of Default and of the continuance thereof, as herein provided, and unless the
      Holders of Certificates evidencing not less than 25% of the Voting Rights
      evidenced by the Certificates shall also have made written request to the
      Trustee to institute such action, suit or proceeding in its own name as Trustee
      hereunder and shall have offered to the Trustee such reasonable indemnity as
      it
      may require against the costs, expenses, and liabilities to be incurred therein
      or thereby, and the Trustee, for 60 days after its receipt of such notice,
      request and offer of indemnity shall have neglected or refused to institute
      any
      such action, suit or proceeding; it being understood and intended, and being
      expressly covenanted by each Certificateholder with every other
      Certificateholder and the Trustee, that no one or more Holders of Certificates
      shall have any right in any manner whatever by virtue or by availing itself
      or
      themselves of any provisions of this Agreement to affect, disturb or prejudice
      the rights of the Holders of any other of the Certificates, or to obtain or
      seek
      to obtain priority over or preference to any other such Holder or to enforce
      any
      right under this Agreement, except in the manner herein provided and for the
      common benefit of all Certificateholders. For the protection and enforcement
      of
      the provisions of this Section 10.08, each and every Certificateholder and
      the
      Trustee shall be entitled to such relief as can be given either at law or in
      equity.

     

    
      	SECTION
              10.09  	
              Certificates
                Nonassessable and Fully Paid.

            

    

     

    It
      is the
      intention of the Depositor that Certificateholders shall not be personally
      liable for obligations of the Trust Fund, that the interests in the Trust Fund
      represented by the Certificates shall be nonassessable for any reason
      whatsoever, and that the Certificates, upon due authentication thereof by the
      Trustee pursuant to this Agreement, are and shall be deemed fully
      paid.

     

    
      	SECTION
              10.10  	
              Non-Solicitation

            

    

     

    From
      and
      after the date of this Agreement, each of the Depositor, the Seller, the
      Servicer, any Special Servicer and the Trustee agrees that it will not take
      any
      action or permit or cause any action to be taken by any of its agents or
      affiliates, or by any independent contractors on any such party’s behalf, to
      personally, by telephone, by mail, or electronically by e-mail or through the
      internet or otherwise, solicit the borrower or obligor under any Mortgage Loan
      to refinance the Mortgage Loan, in whole or in part. Notwithstanding the
      foregoing, it is understood and agreed that promotions undertaken by the
      Depositor, the Seller, any Servicer or the Trustee or any affiliate of any
      such
      party that originates mortgage loans in the normal course, which are directed
      to
      the general public at large, or segments thereof, including, without limitation,
      mass mailings based on commercially acquired mailing lists or newspaper,
      internet, company website, radio and television advertisements shall not
      constitute solicitation under this Section 10.10, provided, that no segment
      of
      the general public shall consist primarily of the borrowers or obligors under
      the Mortgage Loans. None of the Depositor, the Seller, a Servicer or the Trustee
      shall permit the sale of the name of any Mortgagor or any list of names that
      consist primarily of the Mortgages to any Person.

     

    
      	SECTION
              10.11  	
              Third
                Party Beneficiary

            

    

     

    The
      Counterparty is an express third-party beneficiary of this Agreement, and shall
      have the right to enforce the provisions of this Agreement.

     

    

     

    IN
      WITNESS WHEREOF, the Depositor, the Trustee, the Seller and the Servicer have
      caused their names to be signed hereto by their respective officers thereunto
      duly authorized as of the day and year first above written.

     

    
      	 	
              CREDIT
                SUISSE FIRST BOSTON MORTGAGE SECURITIES CORP.,

            
	 	
              As
                Depositor

               

            
	 	
              By:
                /S/
                Kevin Steele   

            
	 	
              Name:
                Kevin Steele

            
	 	
              Title:
                Vice President

               

            
	 	
              U.S.
                BANK NATIONAL ASSOCIATION,

            
	 	
              As
                Trustee

               

            
	 	
              By:
                /S/
                Becky Warren  

            
	 	
              Name:
                Becky Warren

            
	 	
              Title:
                Assistant Vice President

               

            
	 	
              DLJ
                MORTGAGE CAPITAL, INC.,

            
	 	
              As
                Seller

               

            
	 	
              By:
                /S/
                Tim Kuo   

            
	 	
              Name:
                Tim Kuo

            
	 	
              Title:
                Vice President

               

            
	 	
              SELECT
                PORTFOLIO SERVICING, INC.

            
	 	
              As
                Servicer 

               

            
	 	
              By:
                /S/
                Timothy J. O’Brien    

            
	 	
              Name:
                Timothy J. O’Brien

            
	 	
              Title:
                Executive Vice President of
                Operations

            

    

    

     

    
      
        
        

      

      
        
        

        
          

        

      

      
        
        

      

    

     

    

      EXHIBIT
        A

       

      [FORM
        OF
        CLASS A CERTIFICATE]

       

      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.

       

      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,
        AS
        AMENDED (THE “CODE”).

       

      PRIOR
        TO
        THE TERMINATION OF THE SUPPLEMENTAL INTEREST TRUST, NO TRANSFER OF THIS
        CERTIFICATE TO AN EMPLOYEE BENEFIT PLAN OR OTHER RETIREMENT ARRANGEMENT (EACH
        A
“PLAN”) SUBJECT TO THE EMPLOYEE RETIREMENT INCOME SECURITY ACT OF 1974, AS
        AMENDED (“ERISA”), SHALL BE MADE EXCEPT IN COMPLIANCE WITH THE PROCEDURES
        DESCRIBED HEREIN.

       

      

       

      
        
          
          

        

        
          
          

          
            

          

        

        
          
          

        

      

      

      
        	
                Certificate
                  No. [____]

              	
                Adjustable
                  Pass-Through Rate 

              
	 	 
	
                Cut-off
                  Date:

                December
                  1, 2006

              	
                Initial
                  Certificate Balance of this Certificate 

                (“Denomination”):

                $[_________________]

              
	 	 
	
                First
                  Distribution Date:

                January
                  25, 2007

              	
                Initial
                  Certificate Balance of all Certificates of 

                this
                  Class:

                $[_________________]

              
	 	 
	
                Maturity
                  Date:

                March
                  25, 2037

              	
                CUSIP:
                  [_________________]

              

      

      

      

      CREDIT
        SUISSE FIRST BOSTON MORTGAGE SECURITIES CORP.

      Home
        Equity Mortgage Trust 2006-6

      Home
        Equity Mortgage Pass-Through Certificates, Series 2006-6

      Class
        [_______]

       

      evidencing
        a percentage interest in the distributions allocable to the Certificates
        of the
        above-referenced Class with respect to a Trust Fund consisting of two groups
        of
        conventional mortgage loans (the “Mortgage Loans”) secured by fixed
        rate, second lien
        residential mortgage loans.

       

      CREDIT
        SUISSE FIRST BOSTON MORTGAGE SECURITIES CORP., AS DEPOSITOR

       

      Principal
        in respect of this Certificate is distributable monthly as set forth herein.
        Accordingly, the Certificate Balance at any time may be less than the
        Certificate Balance as set forth herein. This Certificate is payable solely
        from
        the assets of the Trust and does not evidence an obligation of, or an interest
        in, and is not guaranteed by the Depositor, the Seller, the Servicer or the
        Trustee referred to below or any of their respective affiliates. This
        Certificate and the Mortgage Loans are not guaranteed or insured by any
        governmental agency or instrumentality.

       

      This
        certifies that [ ] is the registered owner of the Percentage Interest evidenced
        by this Certificate (obtained by dividing the denomination of this Certificate
        by the aggregate of the denominations of all Certificates of the Class to
        which
        this Certificate belongs) in certain monthly distributions with respect to
        a
        Trust Fund consisting primarily of the Mortgage Loans deposited by Credit
        Suisse
        First Boston Mortgage Securities Corp. (the “Depositor”). The Trust Fund was
        created pursuant to a Pooling and Servicing Agreement dated as of the Cut-off
        Date specified above (the “Agreement”) among the Depositor, DLJ Mortgage
        Capital, Inc. as seller (“DLJMC”), Select Portfolio Servicing, Inc. as servicer
        (the “Servicer”) and U.S. Bank National Association as trustee (the “Trustee”).
        To the extent not defined herein, the capitalized terms used herein have
        the
        meanings assigned to such terms 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.

       

      Prior
        to
        the termination of the Supplemental Interest Trust, no transfer of this
        Certificate to a 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
        using
        Plan Assets to acquire this Certificate shall be made except in accordance
        with
        Section 5.02(b) of the Agreement.

       

      Reference
        is hereby made to the further provisions of this Certificate set forth on
        the
        reverse hereof, which further provisions shall for all purposes have the
        same
        effect as if set forth at this place.

       

      This
        Certificate shall not be entitled to any benefit under the Agreement or be
        valid
        for any purpose unless manually countersigned by an authorized signatory
        of the
        Trustee.

       

      
        
          
          

        

        
          
          

          
            

          

        

        
          
          

        

      

      IN
        WITNESS WHEREOF, the Trustee has caused this Certificate to be duly
        executed.

       

      
        	
                Dated:
                  December 29, 2006

              	
                U.S.
                  BANK NATIONAL ASSOCIATION,

              
	 	
                as
                  Trustee

              
	 	 
	 	 
	 	
                By:
                  _________________________________

              

      

      

      

      Countersigned:

       

      By:
        _______________________________________

      Authorized
        Signatory of

      U.S.
        BANK
        NATIONAL ASSOCIATION,

      as
        Trustee

      

      

      EXHIBIT
        B

       

      [FORM
        OF
        SUBORDINATE CERTIFICATE]

       

      [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.]

       

      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,
        AS
        AMENDED (THE “CODE”).

       

      [THIS
        CERTIFICATE HAS NOT BEEN REGISTERED UNDER THE SECURITIES ACT OF 1933, AS
        AMENDED
        (“THE ACT”). ANY RESALE OR TRANSFER OF THIS CERTIFICATE WITHOUT REGISTRATION
        THEREOF UNDER THE ACT MAY ONLY BE MADE IN A TRANSACTION EXEMPTED FROM THE
        REGISTRATION REQUIREMENTS OF THE ACT AND IN ACCORDANCE WITH THE PROVISIONS
        OF
        THE AGREEMENT REFERRED TO HEREIN.]

       

      [FOR
        THE
        CLASS M CERTIFICATES] PRIOR TO THE TERMINATION OF THE SUPPLEMENTAL INTEREST
        TRUST, NO TRANSFER OF THIS CERTIFICATE TO AN EMPLOYEE BENEFIT PLAN OR OTHER
        RETIREMENT ARRANGEMENT (EACH A “PLAN”) SUBJECT TO THE EMPLOYEE RETIREMENT INCOME
        SECURITY ACT OF 1974, AS AMENDED (“ERISA”), SHALL BE MADE EXCEPT IN COMPLIANCE
        WITH THE PROCEDURES DESCRIBED HEREIN.

       

      [THIS
        CERTIFICATE IS SUBORDINATED IN RIGHT OF PAYMENT TO CERTAIN CERTIFICATES AS
        DESCRIBED IN THE AGREEMENT REFERRED TO HEREIN.]

       

      
        
          
          

        

        
          
          

          
            

          

        

        
          
          

        

      

      

      
        	
                Certificate
                  No. [____]

              	
                Adjustable
                  Pass-Through Rate

              
	 	 
	
                Cut-off
                  Date:

                December
                  1, 2006

              	
                Initial
                  Certificate Balance of this Certificate (“Denomination”):

                $[_________________]

              
	 	 
	
                First
                  Distribution Date:

                January
                  25, 2007

              	
                Initial
                  Certificate Balances of all Certificates of this Class:

                $[_________________]

              
	 	 
	
                Maturity
                  Date:

                March
                  25, 2037

              	
                CUSIP:
                  [_________________]

              

      

      

      

      CREDIT
        SUISSE FIRST BOSTON MORTGAGE SECURITIES CORP.

      Home
        Equity Mortgage Trust 2006-6

      Home
        Equity Mortgage Pass-Through Certificates, Series 2006-6

      Class
        [_______]

       

      evidencing
        a percentage interest in the distributions allocable to the Certificates
        of the
        above-referenced Class with respect to a Trust Fund consisting of two groups
        of
        conventional mortgage loans (the “Mortgage Loans”) secured by fixed rate, second
        lien residential mortgage loans.

       

      Credit
        Suisse First Boston Mortgage Securities Corp., as Depositor

       

      Principal
        in respect of this Certificate is distributable monthly as set forth herein.
        Accordingly, the Certificate Balance at any time may be less than the
        Certificate Balance as set forth herein. This Certificate is payable solely
        from
        the assets of the Trust and does not evidence an obligation of, or an interest
        in, and is not guaranteed by the Depositor, the Seller, the Servicer or the
        Trustee referred to below or any of their respective affiliates. This
        Certificate and the Mortgage Loans are not guaranteed or insured by any
        governmental agency or instrumentality.

       

      This
        certifies that [ ] is the registered owner of the Percentage Interest evidenced
        by this Certificate (obtained by dividing the denomination of this Certificate
        by the aggregate of the denominations of all Certificates of the Class to
        which
        this Certificate belongs) in certain monthly distributions with respect to
        a
        Trust Fund consisting primarily of the Mortgage Loans deposited by Credit
        Suisse
        First Boston Mortgage Securities Corp. (the “Depositor”). The Trust Fund was
        created pursuant to a Pooling and Servicing Agreement dated as of the Cut-off
        Date specified above (the “Agreement”) among the Depositor, DLJ Mortgage
        Capital, Inc. as seller (“DLJMC”), Select Portfolio Servicing, Inc. as servicer
        (the “Servicer”) and U.S. Bank National Association as trustee (the “Trustee”).
        To the extent not defined herein, the capitalized terms used herein have
        the
        meanings assigned to such terms 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.

       

      [This
        Certificate has not been registered under the Securities Act of 1933, as
        amended
        (“the Act”). Any resale or transfer of this Certificate without registration
        thereof under the Act may only be made in a transaction exempted from the
        registration requirements of the Act and in accordance with the provisions
        of
        the Agreement referred to herein.]

       

      [For
        the
        Class M Certificates] Prior to the termination of the Supplemental Interest
        Trust, no transfer of this Certificate to a 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 using Plan Assets to acquire this Certificate shall
        be
        made except in accordance with Section 5.02(b) of the Agreement.

       

      Reference
        is hereby made to the further provisions of this Certificate set forth on
        the
        reverse hereof, which further provisions shall for all purposes have the
        same
        effect as if set forth at this place.

       

      This
        Certificate shall not be entitled to any benefit under the Agreement or be
        valid
        for any purpose unless manually countersigned by an authorized signatory
        of the
        Trustee.

       

      
        
          
          

        

        
          
          

          
            

          

        

        
          
          

        

      

      IN
        WITNESS WHEREOF, the Trustee has caused this Certificate to be duly
        executed.

       

      
        	
                Dated:
                  December 29, 2006

              	
                U.S.
                  BANK NATIONAL ASSOCIATION,

              
	 	
                as
                  Trustee

              
	 	 
	 	 
	 	
                By:
                  __________________________________

              

      

      

      

      Countersigned:

       

      By
        ________________________________________

      Authorized
        Signatory of

      U.S.
        BANK
        NATIONAL ASSOCIATION,

      as
        Trustee

      

      EXHIBIT
        C

       

      [FORM
        OF
        RESIDUAL CERTIFICATE]

       

      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,
        AS
        AMENDED (THE “CODE”).

       

      NEITHER
        THIS CERTIFICATE NOR ANY INTEREST HEREIN MAY BE TRANSFERRED UNLESS THE PROPOSED
        TRANSFEREE DELIVERS TO THE TRUSTEE A TRANSFER AFFIDAVIT IN ACCORDANCE WITH
        THE
        PROVISIONS OF THE AGREEMENT REFERRED TO HEREIN.

       

      NEITHER
        THIS CERTIFICATE NOR ANY INTEREST HEREIN MAY BE TRANSFERRED UNLESS THE
        TRANSFEREE DELIVERS TO THE TRUSTEE EITHER A REPRESENTATION LETTER TO THE
        EFFECT
        THAT SUCH TRANSFEREE IS NOT AN EMPLOYEE BENEFIT PLAN SUBJECT TO THE EMPLOYEE
        RETIREMENT INCOME SECURITY ACT OF 1974, AS AMENDED (“ERISA”), OR A PLAN SUBJECT
        TO SECTION 4975 OF THE CODE, OR AN OPINION OF COUNSEL IN ACCORDANCE WITH
        THE
        PROVISIONS OF THE AGREEMENT REFERRED TO HEREIN. NOTWITHSTANDING ANYTHING
        ELSE TO
        THE CONTRARY HEREIN, ANY PURPORTED TRANSFER OF THIS CERTIFICATE TO OR ON
        BEHALF
        OF AN EMPLOYEE BENEFIT PLAN SUBJECT TO ERISA OR TO THE CODE WITHOUT THE OPINION
        OF COUNSEL SATISFACTORY TO THE TRUSTEE AS DESCRIBED ABOVE SHALL BE VOID AND
        OF
        NO EFFECT.

      
        
          
          

        

        
          
          

          
            

          

        

        
          
          

        

      

      

      
        	
                Certificate
                  No. [____]

              	
                Variable
                  Pass-Through Rate

              
	 	 
	
                Cut-off
                  Date:

                December
                  1, 2006

              	
                Initial
                  Certificate Balance of this Certificate (“Denomination”):

                $[_________________]

              
	 	 
	
                First
                  Distribution Date:

                January
                  25, 2007

              	
                Initial
                  Certificate Balances of all Certificates of this Class:

                $[_________________]

              
	 	 
	
                Maturity
                  Date:

                March
                  25, 2037

              	
                CUSIP:
                  [_________________]

              

      

      

      

      CREDIT
        SUISSE FIRST BOSTON MORTGAGE SECURITIES CORP.

      Home
        Equity Mortgage Trust 2006-6

      Home
        Equity Mortgage Pass-Through Certificates, Series 2006-6

      Class
        [_______]

       

      evidencing
        the distributions allocable to the Class A-R Certificates with respect to
        a
        Trust Fund consisting of two groups of conventional mortgage loans (the
“Mortgage Loans”) secured by fixed rate, second lien residential mortgage
        loans.

       

      Credit
        Suisse First Boston Mortgage Securities Corp., as Depositor

       

      Principal
        in respect of this Certificate is distributable monthly as set forth herein.
        Accordingly, the Certificate Balance at any time may be less than the
        Certificate Balance as set forth herein. This Certificate is payable solely
        from
        the assets of the Trust and does not evidence an obligation of, or an interest
        in, and is not guaranteed by the Depositor, the Seller, the Servicer or the
        Trustee referred to below or any of their respective affiliates. This
        Certificate and the Mortgage Loans are not guaranteed or insured by any
        governmental agency or instrumentality.

       

      This
        certifies that [ ] is the registered owner of the Percentage Interest evidenced
        by this Certificate (obtained by dividing the denomination of this Certificate
        by the aggregate of the denominations of all Certificates of the Class to
        which
        this Certificate belongs) in certain monthly distributions with respect to
        a
        Trust Fund consisting primarily of the Mortgage Loans deposited by Credit
        Suisse
        First Boston Mortgage Securities Corp. (the “Depositor”). The Trust Fund was
        created pursuant to a Pooling and Servicing Agreement dated as of the Cut-off
        Date specified above (the “Agreement”) among the Depositor, DLJ Mortgage
        Capital, Inc. as seller (“DLJMC”), Select Portfolio Servicing, Inc. as servicer
        (the “Servicer”) and U.S. Bank National Association as trustee (the “Trustee”).
        To the extent not defined herein, the capitalized terms used herein have
        the
        meanings assigned to such terms 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.

       

      Any
        distribution of the proceeds of any remaining assets of the Trust Fund will
        be
        made only upon presentment and surrender of this Class A-R Certificate at
        the
        Corporate Trust Office or the office or agency maintained by the Trustee
        in St.
        Paul, Minnesota.

       

      No
        transfer of a Class A-R Certificate shall be made unless the Trustee shall
        have
        received either (i) a representation letter from the transferee of such
        Certificate, acceptable to and in form and substance satisfactory to the
        Trustee, to the effect that such transferee is not an employee benefit plan
        subject to Section 406 of ERISA or Section 4975 of the Code, or a person
        acting
        on behalf of any such plan or arrangement or using the assets of any such
        plan
        or arrangement to effect such transfer, which representation letter shall
        not be
        an expense of the Trustee or the Trust Fund, or (ii) in the case of any such
        Class A-R Certificate presented for registration in the name of an employee
        benefit plan subject to ERISA, or Section 4975 of the Code (or comparable
        provisions of any subsequent enactments), or a trustee of any such plan or
        any
        other person acting on behalf of any such plan or arrangement, or using such
        plan's or arrangement's assets, an Opinion of Counsel satisfactory to the
        Trustee to the effect that the purchase or holding of such Class A-R Certificate
        will not result in the assets of the Trust Fund being deemed to be “plan assets”
and subject to the prohibited transaction provisions of ERISA and the Code
        and
        will not subject the Trustee to any obligation in addition to those undertaken
        in this Agreement, which Opinion of Counsel shall not be an expense of the
        Trustee or the Trust Fund. Notwithstanding anything else to the contrary
        herein,
        any purported transfer of a Class A-R Certificate to or on behalf of an employee
        benefit plan subject to ERISA or to the Code without the Opinion of Counsel
        satisfactory to the Trustee as described above shall be void and of no
        effect.

       

      Each
        Holder of this Class A-R Certificate will be deemed to have agreed to be
        bound
        by the restrictions of the Agreement, including but not limited to the
        restrictions that (i) each person holding or acquiring any Ownership Interest
        in
        this Class A-R Certificate must be a Permitted Transferee, (ii) no Ownership
        Interest in this Class A-R Certificate may be transferred without delivery
        to
        the Trustee of (a) a transfer affidavit of the proposed transferee and (b)
        a
        transfer certificate of the transferor, each of such documents to be in the
        form
        described in the Agreement, (iii) each person holding or acquiring any Ownership
        Interest in this Class A-R Certificate must agree to require a transfer
        affidavit and to deliver a transfer certificate to the Trustee as required
        pursuant to the Agreement, (iv) each person holding or acquiring an Ownership
        Interest in this Class A-R Certificate must agree not to transfer an Ownership
        Interest in this Class A-R Certificate if it has actual knowledge that the
        proposed transferee is not a Permitted Transferee and (v) any attempted or
        purported transfer of any Ownership Interest in this Class A-R Certificate
        in
        violation of such restrictions will be absolutely null and void and will
        vest no
        rights in the purported transferee.

       

      Reference
        is hereby made to the further provisions of this Certificate set forth on
        the
        reverse hereof, which further provisions shall for all purposes have the
        same
        effect as if set forth at this place.

       

      This
        Certificate shall not be entitled to any benefit under the Agreement or be
        valid
        for any purpose unless manually countersigned by an authorized signatory
        of the
        Trustee.

       

      
        
          
          

        

        
          
          

          
            

          

        

        
          
          

        

      

      IN
        WITNESS WHEREOF, the Trustee has caused this Certificate to be duly
        executed.

       

      
        	 	 
	
                Dated:
                  December 29, 2006

              	
                U.S.
                  BANK NATIONAL ASSOCIATION,

              
	 	
                as
                  Trustee

              
	 	 
	 	 
	 	
                By:
                  __________________________________

              

      

      

      

      Countersigned:

       

      By
        _______________________________________

      Authorized
        Signatory of

      U.S.
        BANK
        NATIONAL ASSOCIATION,

      as
        Trustee

      

      

      EXHIBIT
        D

       

      [FORM
        OF
        NOTIONAL AMOUNT 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,
        AS
        AMENDED (THE “CODE” ).

       

      [THIS
        CERTIFICATE IS SUBORDINATED IN RIGHT OF PAYMENT TO CERTAIN CERTIFICATES AS
        DESCRIBED IN THE AGREEMENT REFERRED TO HEREIN.]

       

      THIS
        CERTIFICATE HAS NO PRINCIPAL BALANCE AND IS NOT ENTITLED TO ANY DISTRIBUTIONS
        IN
        RESPECT OF PRINCIPAL.

       

      THIS
        CERTIFICATE HAS NOT BEEN REGISTERED UNDER THE SECURITIES ACT OF 1933, AS
        AMENDED
        (“THE ACT”). ANY RESALE OR TRANSFER OF THIS CERTIFICATE WITHOUT REGISTRATION
        THEREOF UNDER THE ACT MAY ONLY BE MADE IN A TRANSACTION EXEMPTED FROM THE
        REGISTRATION REQUIREMENTS OF THE ACT AND IN ACCORDANCE WITH THE PROVISIONS
        OF
        THE AGREEMENT REFERRED TO HEREIN.

       

      NO
        TRANSFER OF THIS CERTIFICATE TO AN EMPLOYEE BENEFIT PLAN OR OTHER RETIREMENT
        ARRANGEMENT SUBJECT TO THE EMPLOYEE RETIREMENT INCOME SECURITY ACT OF 1974,
        AS
        AMENDED (“ERISA”), OR SECTION 4975 OF THE CODE (EACH A “PLAN”) SHALL BE MADE
        EXCEPT IN COMPLIANCE WITH THE PROCEDURES DESCRIBED HEREIN.

       

      

       

      
        
          
          

        

        
          
          

          
            

          

        

        
          
          

        

      

      

      
        	
                Certificate
                  No. [____]

              	
                Variable
                  Interest Rate

              
	 	 
	
                Cut-off
                  Date:

                December
                  1, 2006

              	
                Initial
                  Notional Amount of this Certificate (“Denomination”):

                $[_________________]

              
	 	 
	
                First
                  Distribution Date:

                January
                  25, 2007

              	
                Initial
                  Notional Amount of all Certificates of this Class:

                $[_________________]

              
	 	 
	
                Maturity
                  Date:

                March
                  25, 2037

              	
                CUSIP:
                  [_________________]

              

      

      

      

      CREDIT
        SUISSE FIRST BOSTON MORTGAGE SECURITIES CORP.

      Home
        Equity Mortgage Trust Series 2006-6

      Home
        Equity Mortgage Pass-Through Certificates, Series 2006-6

      Class
        [
        ]

       

      evidencing
        a percentage interest in the distributions allocable to the Certificates
        of the
        above-referenced Class with respect to a Trust Fund consisting of two groups
        of
        conventional mortgage loans (the “Mortgage Loans”) secured by fixed rate, second
        lien residential mortgage loans.

       

      Credit
        Suisse First Boston Mortgage Securities Corp., as Depositor

       

      This
        Certificate is payable solely from the assets of the Trust and does not evidence
        an obligation of, or an interest in, and is not guaranteed by the Depositor,
        the
        Seller, the Servicer or the Trustee referred to below or any of their respective
        affiliates. This Certificate and the Mortgage Loans are not guaranteed or
        insured by any governmental agency or instrumentality.

       

      This
        certifies that [ ] is the registered owner of the Percentage Interest evidenced
        by this Certificate (obtained by dividing the denomination of this Certificate
        by the aggregate of the denominations of all Certificates of the Class to
        which
        this Certificate belongs) in certain monthly distributions with respect to
        a
        Trust Fund consisting primarily of the Mortgage Loans deposited by Credit
        Suisse
        First Boston Mortgage Securities Corp. (the “Depositor”). The Trust Fund was
        created pursuant to a Pooling and Servicing Agreement dated as of the Cut-off
        Date specified above (the “Agreement”) among the Depositor, DLJ Mortgage
        Capital, Inc. as seller (“DLJMC”), Select Portfolio Servicing, Inc. as servicer
        (the “Servicer”) and U.S. Bank National Association as trustee (the “Trustee”).
        To the extent not defined herein, the capitalized terms used herein have
        the
        meanings assigned to such terms 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.

       

      No
        transfer of a Certificate of this Class shall be made unless such transfer
        is
        made pursuant to an effective registration statement under the Act and any
        applicable state securities laws or is exempt from the registration requirements
        under said Act and such laws. In the event that a transfer is to be in reliance
        upon an exemption from the Act and such laws, in order to assure compliance
        with
        the Act and such laws, the Certificateholder desiring to effect such transfer
        and such Certificateholder’s prospective transferee shall each certify to the
        Trustee and the Depositor in writing the facts surrounding the transfer.
        In the
        event that such a transfer is not to be made pursuant to Rule 144A of the
        Act,
        there shall be delivered to the Trustee and the Depositor an Opinion of Counsel
        that such transfer may be made pursuant to an exemption from the Act, which
        Opinion of Counsel shall not be obtained at the expense of the Trustee, the
        Servicer or the Depositor; or there shall be delivered to the Trustee and
        the
        Depositor a transferor certificate by the transferor and an investment letter
        shall be executed by the transferee. The Holder hereof desiring to effect
        such
        transfer shall, and does herby agree to, indemnify the Trustee and the Depositor
        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 to a Plan, any Person acting, directly or
        indirectly, on behalf of any such Plan or any person using Plan Assets of
        a Plan
        to acquire this Certificate shall be made except in accordance with Section
        5.02(b) of the Agreement.

       

      Reference
        is hereby made to the further provisions of this Certificate set forth on
        the
        reverse hereof, which further provisions shall for all purposes have the
        same
        effect as if set forth at this place.

       

      This
        Certificate shall not be entitled to any benefit under the Agreement or be
        valid
        for any purpose unless manually countersigned by an authorized signatory
        of the
        Trustee.

       

      
        
          
          

        

        
          
          

          
            

          

        

        
          
          

        

      

      IN
        WITNESS WHEREOF, the Trustee has caused this Certificate to be duly
        executed.

       

      
        	 	 
	
                Dated:
                  December 29, 2006

              	
                U.S.
                  BANK NATIONAL ASSOCIATION,

              
	 	
                as
                  Trustee

              
	 	 
	 	 
	 	
                By:
                  __________________________________

              

      

      

      

      Countersigned:

       

      By
        _______________________________________

      Authorized
        Signatory of

      U.S.
        BANK
        NATIONAL ASSOCIATION,

      as
        Trustee

      

      EXHIBIT
        E

       

      [FORM
        OF
        CLASS P 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,
        AS
        AMENDED (THE “CODE”).

       

      THIS
        CERTIFICATE HAS NOT BEEN REGISTERED UNDER THE SECURITIES ACT OF 1933, AS
        AMENDED
        (THE “ACT”). ANY RESALE OR TRANSFER OF THIS CERTIFICATE WITHOUT REGISTRATION
        THEREOF UNDER THE ACT MAY ONLY BE MADE IN A TRANSACTION EXEMPTED FROM THE
        REGISTRATION REQUIREMENTS OF THE ACT AND IN ACCORDANCE WITH THE PROVISIONS
        OF
        THE AGREEMENT REFERRED TO HEREIN.

       

      NO
        TRANSFER OF THIS CERTIFICATE TO AN EMPLOYEE BENEFIT PLAN OR OTHER RETIREMENT
        ARRANGEMENT SUBJECT TO THE EMPLOYEE RETIREMENT INCOME SECURITY ACT OF 1974,
        AS
        AMENDED (“ERISA”), OR SECTION 4975 OF THE CODE (EACH A “ PLAN”) SHALL BE MADE
        EXCEPT IN COMPLIANCE WITH THE PROCEDURES DESCRIBED HEREIN.

       

      
        
          
          

        

        
          
          

          
            

          

        

        
          
          

        

      

      

      
        	
                Certificate
                  No. [____]

              	
                Variable
                  Pass-Through Rate

              
	 	 
	
                Cut-off
                  Date:

                December
                  1, 2006

              	
                Initial
                  Certificate Balance of this Certificate (“Denomination”):

                $[_________________]

              
	 	 
	
                First
                  Distribution Date:

                January
                  25, 2007

              	
                Initial
                  Certificate Balances of all Certificates of this Class:

                $[_________________]

              
	 	 
	
                Maturity
                  Date:

                March
                  25, 2037

              	
                CUSIP:
                  [_________________]

              

      

      

      

      CREDIT
        SUISSE FIRST BOSTON MORTGAGE SECURITIES CORP.

      Home
        Equity Mortgage Trust 2006-6

      Home
        Equity Mortgage Pass-Through Certificates, Series 2006-6

      Class
        [_______]

       

      evidencing
        a percentage interest in the distributions allocable to the Certificates
        of the
        above-referenced Class with respect to a Trust Fund consisting of two groups
        of
        conventional mortgage loans (the “Mortgage Loans”) secured by fixed rate, second
        lien residential mortgage loans.

       

      Credit
        Suisse First Boston Mortgage Securities Corp., as Depositor

       

      Principal
        in respect of this Certificate is distributable monthly as set forth herein.
        Accordingly, the Certificate Balance of this Certificate at any time may
        be less
        than the Initial Certificate Balance set forth on the face hereof, as described
        herein. This Class P Certificate does not evidence an obligation of, or an
        interest in, and is not guaranteed by the Depositor, the Servicer or the
        Trustee
        referred to below or any of their respective affiliates.

       

      This
        certifies that [ ] is the registered owner of the Percentage Interest evidenced
        by this Certificate (obtained by dividing the denomination of this Certificate
        by the aggregate of the denominations of all Certificates of the Class to
        which
        this Certificate belongs) in certain monthly distributions with respect to
        a
        Trust Fund consisting primarily of the Mortgage Loans deposited by Credit
        Suisse
        First Boston Mortgage Securities Corp. (the “Depositor”). The Trust Fund was
        created pursuant to a Pooling and Servicing Agreement dated as of the Cut-off
        Date specified above (the “Agreement”) among the Depositor, DLJ Mortgage
        Capital, Inc. as seller (“DLJMC”), Select Portfolio Servicing, Inc. as servicer
        (the “Servicer”) and U.S. Bank National Association as trustee (the “Trustee”).
        To the extent not defined herein, the capitalized terms used herein have
        the
        meanings assigned to such terms 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.

       

      No
        transfer of a Certificate of this Class shall be made unless such transfer
        is
        made pursuant to an effective registration statement under the Act and any
        applicable state securities laws or is exempt from the registration requirements
        under said Act and such laws. In the event that a transfer is to be made
        in
        reliance upon an exemption from the Act and such laws, in order to assure
        compliance with the Act and such laws, the Certificateholder desiring to
        effect
        such transfer and such Certificateholder's prospective transferee shall each
        certify to the Trustee and the Depositor in writing the facts surrounding
        the
        transfer. In the event that such a transfer is not to be made pursuant to
        Rule
        144A of the Act, there shall be delivered to the Trustee and the Depositor
        of an
        Opinion of Counsel that such transfer may be made pursuant to an exemption
        from
        the Act, which Opinion of Counsel shall not be obtained at the expense of
        the
        Trustee, the Seller, the Servicer or the Depositor; or there shall be delivered
        to the Trustee and the Depositor a transferor certificate by the transferor
        and
        an investment letter shall be executed by the transferee. The Holder hereof
        desiring to effect such transfer shall, and does hereby agree to, indemnify
        the
        Trustee and the Depositor 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 to a Plan, any Person acting, directly or
        indirectly, on behalf of any such Plan or any person using Plan Assets of
        a Plan
        to acquire this Certificate shall be made except in accordance with Section
        5.02(b) of the Agreement.

       

      Reference
        is hereby made to the further provisions of this Class P Certificate set
        forth
        on the reverse hereof, which further provisions shall for all purposes have
        the
        same effect as if set forth at this place.

       

      This
        Class P Certificate shall not be entitled to any benefit under the Agreement
        or
        be valid for any purpose unless manually countersigned by an authorized
        signatory of the Trustee.

       

      
        
          
          

        

        
          
          

          
            

          

        

        
          
          

        

      

      IN
        WITNESS WHEREOF, the Trustee has caused this Certificate to be duly
        executed.

       

      
        	
                Dated:
                  December 29, 2006

              	
                U.S.
                  BANK NATIONAL ASSOCIATION,

              
	 	
                as
                  Trustee

              
	 	 
	 	 
	 	
                By:
                  __________________________________

              

      

      

      

      Countersigned:

       

      By
        ________________________________________

      Authorized
        Signatory of

      U.S.
        BANK
        NATIONAL ASSOCIATION,

      as
        Trustee

      

      EXHIBIT
        F

       

      [FORM
        OF
        REVERSE OF CERTIFICATES]

       

      CREDIT
        SUISSE FIRST BOSTON MORTGAGE SECURITIES CORP.

      Home
        Equity Mortgage Trust 2006-6

      Home
        Equity Mortgage Pass-Through Certificates, Series 2006-6

      Class
        [_______]

       

      This
        Certificate is one of a duly authorized issue of Certificates designated
        as
        Credit Suisse First Boston Mortgage Securities Corp., Mortgage Pass-Through
        Certificates, of the Series specified on the face hereof (herein collectively
        called the “Certificates”), and representing a beneficial ownership interest in
        the Trust Fund created by the Agreement.

       

      The
        Certificateholder, by its acceptance of this Certificate, agrees that it
        will
        look solely to the funds on deposit in the Certificate Account for payment
        hereunder and that the Trustee is not liable to the Certificateholders for
        any
        amount payable under this Certificate or the Agreement or, except as expressly
        provided in the Agreement, subject to any liability under the
        Agreement.

       

      This
        Certificate does not purport to summarize the Agreement and reference is
        made to
        the Agreement for the interests, rights and limitations of rights, benefits,
        obligations and duties evidenced thereby, and the rights, duties and immunities
        of the Trustee.

       

      Pursuant
        to the terms of the Agreement, a distribution will be made on the 25th day
        of
        each month or, if such 25th day is not a Business Day, the Business Day
        immediately following (the “Distribution Date”), commencing on the first
        Distribution Date specified on the face hereof, to the Person in whose name
        this
        Certificate is registered at the close of business on the applicable Record
        Date
        in an amount equal to the product of the Percentage Interest evidenced by
        this
        Certificate and the amount required to be distributed to Holders of Certificates
        of the Class to which this Certificate belongs on such Distribution Date
        pursuant to the Agreement. [The Record Date applicable to each Distribution
        Date
        is the last Business Day of the month next preceding the month of such
        Distribution Date.][The Record Date applicable to each Distribution Date
        is the
        Business Day immediately preceding the related Distribution Date; provided
        that
        if this Certificate is not a Book-Entry Certificate, then the Record Date
        applicable to each Distribution Date is the last Business Day of the month
        next
        preceding such Distribution Date.]

       

      Distributions
        on this Certificate shall be made by wire transfer of immediately available
        funds to the account of the Holder hereof at a bank or other entity having
        appropriate facilities therefor, if such Certificateholder shall have so
        notified the Trustee in writing at least five Business Days prior to the
        related
        Record Date and such Certificateholder shall satisfy the conditions to receive
        such form of payment set forth in the Agreement, or, if not, by check mailed
        by
        first class mail to the address of such Certificateholder appearing in the
        Certificate Register. The final distribution on each Certificate will be
        made in
        like manner, but only upon presentment and surrender of such Certificate
        at the
        Corporate Trust Office or such other location specified in the notice to
        Certificateholders of such final distribution.

       

      The
        Agreement permits, with certain exceptions therein provided, the amendment
        thereof and the modification of the rights and obligations of the Trustee
        and
        the rights of the Certificateholders under the Agreement at any time by the
        Depositor, the Servicer, the Seller and the Trustee with the consent of the
        Holders of Certificates affected by such amendment evidencing the requisite
        Percentage Interest, as provided in the Agreement. 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 therefor or in lieu hereof whether or
        not
        notation of such consent is made upon this Certificate. The Agreement also
        permits the amendment thereof, in certain limited circumstances, without
        the
        consent of the Holders of any of the Certificates.

       

      As
        provided in the Agreement and subject to certain limitations therein set
        forth,
        the transfer of this Certificate is registrable in the Certificate Register
        of
        the Trustee upon surrender of this Certificate for registration of transfer
        at
        the Corporate Trust Office or the office or agency maintained by the Trustee
        in
        St. Paul, Minnesota, accompanied by a 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 the same Class in authorized
        denominations and evidencing the same aggregate Percentage Interest in the
        Trust
        Fund will be issued to the designated transferee or transferees.

       

      The
        Certificates are issuable only as registered Certificates without coupons
        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 the same Class in authorized denominations and
        evidencing the same 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 Servicer, the Seller and the Trustee and any agent of the
        Depositor or the Trustee may treat the Person in whose name this Certificate
        is
        registered as the owner hereof for all purposes, and the Seller, the Depositor,
        the Trustee, or any such agent shall be affected by any notice to the
        contrary.

       

      On
        any
        Distribution Date on which the sum of the aggregate Stated Principal Balance
        of
        the Mortgage Loans and the appraised value of the REO Properties at the time
        of
        purchase is less than 10% of the Aggregate Collateral Balance as of the Cut-off
        Date, the Terminating Entity may, but is not required to, direct the Majority
        Servicer to purchase, in whole, on behalf of the Terminating Entity, from
        the
        Trust Fund all remaining Mortgage Loans and REO Properties at a purchase
        price
        determined as provided in the Agreement. In the event that no such optional
        termination occurs, the obligations and responsibilities created by the
        Agreement will terminate upon the later of the maturity or other liquidation
        (or
        any advance with respect thereto) of the last Mortgage Loan remaining in
        the
        Trust Fund and the distribution to Certificateholders of all amounts required
        to
        be distributed pursuant to the Agreement. In no event, however, will the
        trust
        created by the Agreement continue beyond the expiration of 21 years from
        the
        death of the last survivor of the descendants living at the date of the
        Agreement of a certain person named in the Agreement.

       

      Any
        term
        used herein that is defined in the Agreement shall have the meaning assigned
        in
        the Agreement, and nothing herein shall be deemed inconsistent with that
        meaning.

       

      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)

       

      the
        Percentage Interest evidenced by the within Certificate and hereby authorizes
        the transfer of registration of such Percentage Interest to assignee on the
        Certificate Register of the Trust Fund.

       

      I
        (We)
        further direct the Trustee 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

              

      

      

      

      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.

              	 	 

      

      

      

      EXHIBIT
        G

       

      FORM
        OF
        INITIAL CERTIFICATION OF CUSTODIAN

       

      December
        29, 2006

       

      ______________________________

      Cut-off
        Date Principal Balance:

      $_____________________________

       

      U.S.
        Bank
        National Association

      as
        Trustee for the

      Home
        Equity Mortgage Pass-Through Certificates, Series 2006-6

      60
        Livingston Avenue.

      St.
        Paul,
        MN 55107-2292

      Attention:
        Corporate Trust - Structured Finance Ref: HEMT 2006-6

       

      
        	
                 

              	
                Re:

              	
                Custodial
                  Agreement, dated as of December 1, 2006, between U.S. Bank National
                  Association as Trustee and LaSalle Bank National Association, as
                  Custodian, Credit Suisse First Boston Mortgage Securities Corp.,
                  Home
                  Equity Mortgage Trust 2006-6, Home Equity Mortgage Pass-Through
                  Certificates, Series 2006-6

              

      

      

      Ladies
        and Gentlemen:

       

      In
        accordance with the provisions of Section 4 of the above-referenced Custodial
        Agreement, dated as of December 1, 2006, between the undersigned, as the
        Custodian, and U.S. Bank National Association as trustee, the undersigned
        hereby
        certifies as to each Mortgage Loan identified on the Mortgage Loan Schedule
        attached hereto as Exhibit A that (i) it has received: the original Mortgage
        Note and Assignment of Mortgage with respect to each Mortgage Loan identified
        on
        the Mortgage Loan Schedule attached hereto as Exhibit A and (ii) such Mortgage
        Note has been reviewed by it and appears regular on its face and
        relates.

       

      The
        Custodian makes no representations as to: (i) the validity, legality,
        enforceability, sufficiency, due authorization or genuineness of any of the
        documents contained in each Custodial File or of any of the Mortgage Loans
        or
        (ii) the collectability, insurability, effectiveness or suitability of any
        such
        Mortgage Loan.

       

      The
        Custodian hereby confirms that it is holding each such Mortgage Note and
        Assignment of Mortgage as agent and bailee of, and custodian for the exclusive
        use and benefit, and subject to the sole direction, of the Trustee pursuant
        to
        the terms and conditions of the Custodial Agreement.

       

      This
        Trust Receipt and Initial Certification is not divisible or
        negotiable.

       

      The
        Custodian will accept and act on instructions with respect to the Mortgage
        Loans
        subject hereto upon surrender of this Trust Receipt and Initial Certification
        at
        its office at LaSalle Bank National Association, 2571 Busse Road, Suite 200,
        Elk
        Grove, Illinois, 60007. 

       

      Capitalized
        terms used herein shall have the meaning ascribed to them in the Custodial
        Agreement.

       

      
        	 	
                LASALLE
                  BANK NATIONAL ASSOCIATION

                as
                  Custodian

              
	 	 	 
	 	
                By:

              	 
	 	
                Name:

              	 
	 	
                Title:

              	 

      

      

      

      

      EXHIBIT
        H

       

      FORM
        OF
        FINAL CERTIFICATION OF CUSTODIAN

       

      Trust
        Receipt #_________

       

      Cut-off
        Date Principal Balance

      $_____________

       

      [To
        be
        addressed to the Trustee of record]

      ________________________________

      ________________________________

       

      
        	 	
                Re:

              	
                Custodial
                  Agreement, dated as of December 1, 2006, between U.S. Bank National
                  Association as Trustee and LaSalle Bank National Association, as
                  Custodian, Credit Suisse First Boston Mortgage Securities Corp.,
                  Home
                  Equity Mortgage Trust 2006-6, Home Equity Mortgage Pass-Through
                  Certificates, Series 2006-6

              

      

      

      Ladies
        and Gentlemen:

       

      In
        accordance with the provisions of Section 6 of the above-referenced Custodial
        Agreement, the undersigned, as the Custodian, hereby certifies that as to
        each
        Mortgage Loan listed on the Mortgage Loan Schedule (other than any Mortgage
        Loan
        paid in full or any Mortgage Loan listed on the attachment hereto) it has
        reviewed the Custodial Files and has determined that (i) all documents required
        to be delivered to it pursuant to Sections 2(i)-(ix) of the Custodial Agreement
        are in its possession; (ii) such documents have been reviewed by it and appear
        regular on their face and related to such Mortgage Loan; (iii) all Assignments
        of Mortgage or intervening assignments of mortgage, as applicable, have been
        submitted for recording in the jurisdictions in which recording is necessary;
        and (iv) each Mortgage Note has been endorsed as provided in Section 2(ii)
        of
        the Custodial Agreement and each Mortgage has been assigned in accordance
        with
        Section 2(iii) of the Custodial Agreement. The Custodian makes no
        representations as to: (i) validity, legality, enforceability, sufficiency,
        due
        authorization or genuineness of any of the documents contained in each Custodial
        File or of any of the Mortgage Loans, or (ii) the collectability, insurability,
        effectiveness or suitability of any such Mortgage Loan.

       

      The
        Custodian hereby confirms that it is holding each such Custodial File as
        agent
        and bailee of, and custodian for the exclusion use and benefit, and subject
        to
        the sole direction, of Trustee pursuant to the terms and conditions of the
        Custodial Agreement.

       

      This
        Trust Receipt and Final Certification is not divisible or
        negotiable.

       

      The
        Custodian will accept and act on instructions with respect to the Mortgage
        Loans
        subject hereto upon surrender of this Trust Receipt and Final Certification
        at
        its office LaSalle Bank National Association, 2571 Busse Road, Suite 200,
        Elk
        Grove, Illinois, 60007.

       

      Capitalized
        terms used herein shall have the meaning ascribed to them in the Custodial
        Agreement.

       

      
        	 	
                LASALLE
                  BANK NATIONAL ASSOCIATION

                as
                  Custodian

              
	 	 	 
	 	
                By:

              	 
	 	
                Name:

              	 
	 	
                Title:

              	 

      

      

      

      

      

      EXHIBIT
        I

       

      TRANSFER
        AFFIDAVIT

       

      CREDIT
        SUISSE FIRST BOSTON MORTGAGE SECURITIES CORP.

      Home
        Equity Mortgage Trust 2006-6

      Home
        Equity Mortgage Pass-Through Certificates, Series 2006-6

      Class
        [_______]

       

      
        	
                STATE
                  OF____________

              	
                )

              	 
	 	
                )

              	
                ss.:

              
	
                COUNTY
                  OF__________

              	
                )

              	 

      

      

      The
        undersigned, being first duly sworn, deposes and says as follows:

       

      1. The
        undersigned is an officer of _______________, the proposed Transferee of
        an
        Ownership Interest in a Class A-R Certificate (the “Certificate”) issued
        pursuant to the Pooling and Servicing Agreement, (the “Agreement”), relating to
        the above-referenced Series, among Credit Suisse First Boston Mortgage
        Securities Corp. as depositor, DLJ Mortgage Capital, Inc. as seller (“DLJMC”),
        Select Portfolio Servicing, Inc. as servicer (“SPS”) and U.S. Bank National
        Association as trustee (the “Trustee”). Capitalized terms used, but not defined
        herein or in Exhibit 1 hereto, shall have the meanings ascribed to such terms
        in
        the Agreement. The Transferee has authorized the undersigned to make this
        affidavit on behalf of the Transferee.

       

      2. The
        Transferee is, as of the date hereof, and will be, as of the date of the
        Transfer, a Permitted Transferee. The Transferee is acquiring its Ownership
        Interest in the Certificate either (i) for its own account or (ii) as nominee,
        trustee or agent for another Person and has attached hereto an affidavit
        from
        such Person in substantially the same form as this affidavit. The Transferee
        has
        no knowledge that any such affidavit is false.

       

      3. The
        Transferee has been advised of, and understands that (i) a tax will be imposed
        on Transfers of the Certificate to Persons that are not Permitted Transferees;
        (ii) such tax will be imposed on the transferor, or, if such Transfer is
        through
        an agent (which includes a broker, nominee or middleman) for a Person that
        is
        not a Permitted Transferee, on the agent; and (iii) the Person otherwise
        liable
        for the tax shall be relieved of liability for the tax if the subsequent
        Transferee furnished to such Person an affidavit that such subsequent Transferee
        is a Permitted Transferee and, at the time of Transfer, such Person does
        not
        have actual knowledge that the affidavit is false.

       

      4. The
        Transferee has been advised of, and understands that a tax will be imposed
        on a
“pass-through entity” holding the Certificate if at any time during the taxable
        year of the pass-through entity a Person that is not a Permitted Transferee
        is
        the record holder of an interest in such entity. The Transferee understands
        that
        such tax will not be imposed for any period with respect to which the record
        holder furnishes to the pass-through entity an affidavit that such record
        holder
        is a Permitted Transferee and the pass-through entity does not have actual
        knowledge that such affidavit is false. (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
        and, except as may be provided in Treasury Regulations, persons holding
        interests in pass-through entities as a nominee for another
        Person.)

       

      5. The
        Transferee has reviewed the provisions of Section 5.02(c) of the Agreement
        (attached hereto as Exhibit 2 and incorporated herein by reference) and
        understands the legal consequences of the acquisition of an Ownership Interest
        in the Certificate including, without limitation, the restrictions on subsequent
        Transfers and the provisions regarding voiding the Transfer and mandatory
        sales.
        The Transferee expressly agrees to be bound by and to abide by the provisions
        of
        Section 5.02(c) of the Agreement and the restrictions noted on the face of
        the
        Certificate. The Transferee understands and agrees that any breach of any
        of the
        representations included herein shall render the Transfer to the Transferee
        contemplated hereby null and void.

       

      6. The
        Transferee agrees to require a Transfer Affidavit from any Person to whom
        the
        Transferee attempts to Transfer its Ownership Interest in the Certificate,
        and
        in connection with any Transfer by a Person for whom the Transferee is acting
        as
        nominee, trustee or agent, and the Transferee will not Transfer its Ownership
        Interest or cause any Ownership Interest to be Transferred to any Person
        that
        the Transferee knows is not a Permitted Transferee. In connection with any
        such
        Transfer by the Transferee, the Transferee agrees to deliver to the Trustee
        a
        certificate substantially in the form set forth as EXHIBIT J to the Agreement
        (a
“Transferor Certificate”) to the effect that such Transferee has no actual
        knowledge that the Person to which the Transfer is to be made is not a Permitted
        Transferee.

       

      7. The
        Transferee does not have the intention to impede the assessment or collection
        of
        any tax legally required to be paid with respect to the
        Certificate.

       

      8. The
        Transferee's taxpayer identification number is [_____________].

       

      9. The
        Transferee is a United States Person.

       

      10. The
        Transferee is aware that the Certificate may be a “noneconomic residual
        interest” within the meaning of proposed 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.

       

      11. The
        Transferee either (a) is not an employee benefit plan that is subject to
        ERISA
        or a plan that is subject to Section 4975 of the Code, and the Transferee
        is not
        acting on behalf of such a plan or (b) has provided an Opinion of Counsel
        in
        accordance with the provisions of the Agreement.

       

      *
        *
        *

      
        
          
          

        

        
          
          

          
            

          

        

        
          
          

        

      

      IN
        WITNESS WHEREOF, the Transferee has caused this instrument to be executed
        on its
        behalf, pursuant to authority of its Board of Directors, by its duly authorized
        officer and its corporate seal to be hereunto affixed, duly attested, this
        _____
        day of _____________, 20___.

       

      

       

      
        	 	 
	 	
                Print
                  Name of Transferee

              
	 	 	 
	 	
                By:

              	 
	 	
                Name:

              	 
	 	
                Title:

              	 

      

      

      

      [Corporate
        Seal]

       

      ATTEST:

       

      _________________________

      [Assistant]
        Secretary

       

      Personally
        appeared before me the above-named , known or proved to me to be the same
        person
        who executed the foregoing instrument and to be the of the Transferee, and
        acknowledged that he executed the same as his free act and deed and the free
        act
        and deed of the Transferee.

       

      Subscribed
        and sworn before me this ______ day of _______________, 20___.

       

      
        	 	 
	 	
                NOTARY
                  PUBLIC

                 

                My
                  Commission expires the _____ day of

                _________________,
                  20___.

              

      

      

      

      

      

      

      EXHIBIT
        1

      to

      EXHIBIT
        I

       

      Certain
        Definitions

       

      “Ownership
        Interest”: As to any Residual 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.

       

      “Permitted
        Transferee”: Any person other than (i) the United States, any State or political
        subdivision thereof, or any agency or instrumentality of any of the foregoing,
        (ii) a foreign government, International Organization or any agency or
        instrumentality of either of the foregoing, (iii) an organization (except
        certain farmers' cooperatives described in section 521 of the Code) which
        is
        exempt from tax imposed by Chapter 1 of the Code (including the tax imposed
        by
        section 511 of the Code on unrelated business taxable income) on any excess
        inclusions (as defined in section 860E(c)(1) of the Code) with respect to
        any
        Residual Certificate, (iv) rural electric and telephone cooperatives described
        in section 1381(a)(2)(C) of the Code, (v) a Person that is not a United States
        Person, and (vi) a Person designated as a non-Permitted Transferee by the
        Depositor based upon an Opinion of Counsel that the Transfer of an Ownership
        Interest in a Residual Certificate to such Person may cause any REMIC created
        hereunder to fail to qualify as a REMIC at any time that the Certificates
        are
        outstanding. The terms “United States,” “State” and “International Organization
” shall have the meanings set forth in section 7701 of the Code or successor
        provisions. A corporation will not be treated as an instrumentality of the
        United States or of any State or political subdivision thereof for these
        purposes if all of its activities are subject to tax and, with the exception
        of
        Freddie Mac, a majority of its board of directors is not selected by such
        government unit.

       

      “Person”:
        Any individual, corporation, partnership, joint venture, association, limited
        liability company, joint-stock company, trust, unincorporated organization
        or
        government, or any agency or political subdivision thereof.

       

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

       

      

       

      EXHIBIT
        2

      to

      EXHIBIT
        I

       

      Section
        5.02(c) of the Agreement

       

      Each
        Person who has or who acquires any Ownership Interest in a Residual Certificate
        shall be deemed by the acceptance or acquisition of such Ownership Interest
        to
        have agreed to be bound by the following provisions, and the rights of each
        Person acquiring any Ownership Interest in a Residual Certificate are expressly
        subject to the following provisions:

       

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

       

      (ii) No
        Ownership Interest in a Residual Certificate may be registered on the Closing
        Date or thereafter transferred, and the Trustee shall not register the Transfer
        of any Residual Certificate unless, in addition to the certificates required
        to
        be delivered to the Trustee under subparagraph (b) above, the Trustee shall
        have
        been furnished with an affidavit (a “Transfer Affidavit”) of the initial owner
        or the proposed transferee in the form attached hereto as Exhibit
        I.

       

      (iii) Each
        Person holding or acquiring any Ownership Interest in a Residual Certificate
        shall agree (A) to obtain a Transfer Affidavit from any other Person to whom
        such Person attempts to Transfer its Ownership Interest in a Residual
        Certificate, (B) to obtain a Transfer Affidavit from any Person for whom
        such
        Person is acting as nominee, trustee or agent in connection with any Transfer
        of
        a Residual Certificate and (C) not to Transfer its Ownership Interest in
        a
        Residual Certificate or to cause the Transfer of an Ownership Interest in
        a
        Residual Certificate to any other Person if it has actual knowledge that
        such
        Person is not a Permitted Transferee.

       

      (iv) Any
        attempted or purported Transfer of any Ownership Interest in a Residual
        Certificate in violation of the provisions of this Section 5.02(c) shall
        be
        absolutely null and void and shall vest no rights in the purported Transferee.
        If any purported transferee shall become a Holder of a Residual Certificate
        in
        violation of the provisions of this Section 5.02(c), then the last preceding
        Permitted Transferee shall be restored to all rights as Holder thereof
        retroactive to the date of registration of Transfer of such Residual
        Certificate. The Trustee shall be under no liability to any Person for any
        registration of Transfer of a Residual Certificate that is in fact not permitted
        by Section 5.02(b) and this Section 5.02(c) or for making any payments due
        on
        such Certificate to the Holder thereof or taking any other action with respect
        to such Holder under the provisions of this Agreement so long as the Transfer
        was registered after receipt of the related Transfer Affidavit and Transferor
        Certificate. The Trustee shall be entitled but not obligated to recover from
        any
        Holder of a Residual Certificate that was in fact not a Permitted Transferee
        at
        the time it became a Holder or, at such subsequent time as it became other
        than
        a Permitted Transferee, all payments made on such Residual Certificate at
        and
        after either such time. Any such payments so recovered by the Trustee shall
        be
        paid and delivered by the Trustee to the last preceding Permitted Transferee
        of
        such Certificate.

       

      (v) The
        Depositor shall use its best efforts to make available, upon receipt of written
        request from the Trustee, all information necessary to compute any tax imposed
        under Section 860E(e) of the Code as a result of a Transfer of an Ownership
        Interest in a Residual Certificate to any Holder who is not a Permitted
        Transferee.

       

      The
        restrictions on Transfers of a Residual Certificate set forth in this Section
        5.02(c) shall cease to apply (and the applicable portions of the legend on
        a
        Residual Certificate may be deleted) with respect to Transfers occurring
        after
        delivery to the Trustee of an Opinion of Counsel, which Opinion of Counsel
        shall
        not be an expense of the Trust Fund, the Trustee, the Seller or the Servicer,
        to
        the effect that the elimination of such restrictions will not cause the Trust
        Fund hereunder to fail to qualify as a REMIC at any time that the Certificates
        are outstanding or result in the imposition of any tax on the Trust Fund,
        a
        Certificateholder or another Person. Each Person holding or acquiring any
        Ownership Interest in a Residual Certificate hereby consents to any amendment
        of
        this Agreement which, based on an Opinion of Counsel furnished to the Trustee,
        is reasonably necessary (a) to ensure that the record ownership of, or any
        beneficial interest in, a Residual Certificate is not transferred, directly
        or
        indirectly, to a Person that is not a Permitted Transferee and (b) to provide
        for a means to compel the Transfer of a Residual Certificate which is held
        by a
        Person that is not a Permitted Transferee to a Holder that is a Permitted
        Transferee.

       

      

      

      

      EXHIBIT
        J

       

      FORM
        OF
        TRANSFEROR CERTIFICATE

       

      __________,
        200__

       

      Credit
        Suisse First Boston Mortgage Securities Corp.

      11
        Madison Avenue, 4th Floor

      New
        York,
        New York 10010

      Attention:
        Peter Sack

       

      U.S.
        Bank
        National Association

      as
        Trustee for the

      Home
        Equity Mortgage Pass-Through Certificates, Series 2006-6

      60
        Livingston Ave.

      St.
        Paul,
        MN 55107-2292

      Attention:
        Corporate Trust - Structured Finance Ref: HEMT 2006-6

       

      
        
          	
                	Re:	
                  Credit
                    Suisse First Boston Mortgage Securities Corp., 

                  Home
                    Equity Mortgage Trust 2006-6 

                  Home
                    Equity Mortgage Pass-Through Certificates, Series 2006-6, Class
                    [___]

                

        

      

       

      Ladies
        and Gentlemen:

       

      In
        connection with our disposition of the above Certificates we certify that
        (a) we
        understand that the Certificates have not been registered under the Securities
        Act of 1933, as amended (the “Act”), and are being disposed by us in a
        transaction that is exempt from the registration requirements of the Act
        and (b)
        we have not offered or sold any Certificates to, or solicited offers to buy
        any
        Certificates from, any person, or otherwise approached or negotiated with
        any
        person with respect thereto, in a manner that would be deemed, or taken any
        other action which would result in, a violation of Section 5 of the
        Act.

       

      
        	 	
                Very
                  truly yours,

                 

              
	 	
                Print
                  Name of Transferor

              
	 	 	 
	 	
                By:

              	 
	 	 	
                Authorized
                  Officer

              

      

      

      

      

      

      EXHIBIT
        K

       

      FORM
        OF
        INVESTMENT LETTER (NON-RULE 144A)

       

      __________,
        200__

       

      Credit
        Suisse First Boston Mortgage Securities Corp.

      11
        Madison Avenue, 4th Floor

      New
        York,
        New York 10010

      Attention:
        Peter Sack

       

      U.S.
        Bank
        National Association

      as
        Trustee for the

      Home
        Equity Mortgage Pass-Through Certificates, Series 2006-6

      60
        Livingston Ave.

      St.
        Paul,
        MN 55107-2292

      Attention:
        Corporate Trust - Structured Finance Ref: HEMT 2006-6

       

      
        	
              	Re:	
                Credit
                  Suisse First Boston Mortgage Securities Corp., 

                Home
                  Equity Mortgage Trust 2006-6 

                Home
                  Equity Mortgage Pass-Through Certificates, Series 2006-6, Class
                  [___]

              

      

      

      Ladies
        and Gentlemen:

       

      In
        connection with our acquisition of the above Certificates we certify that
        (a) we
        understand that the Certificates are not being registered under the Securities
        Act of 1933, as amended (the “Act”), or any state securities laws and are being
        transferred to us in a transaction that is exempt from the registration
        requirements of the Act and any such laws, (b) we are an institutional
“accredited investor,” as defined in Regulation D under the Act, and have such
        knowledge and experience in financial and business matters that we are capable
        of evaluating the merits and risks of investments in the Certificates, (c)
        we
        have had the opportunity to ask questions of and receive answers from the
        Depositor concerning the purchase of the Certificates and all matters relating
        thereto or any additional information deemed necessary to our decision to
        purchase the Certificates, (d) we are not an employee benefit plan that is
        subject to the Employee Retirement Income Security Act of 1974, as amended,
        or a
        plan or arrangement that is subject to Section 4975 of the Internal Revenue
        Code
        of 1986, as amended, nor are we acting on behalf of any such plan or arrangement
        nor are we using the assets of any such plan or arrangement to effect such
        acquisition or we have provided the certification or opinion letter as required
        in section 5.02 of the Pooling and Servicing Agreement, (e) we are acquiring
        the
        Certificates for investment for our own account and not with a view to any
        distribution of such Certificates (but without prejudice to our right at
        all
        times to sell or otherwise dispose of the Certificates in accordance with
        clause
        (g) below), (f) we have not offered or sold any Certificates to, or solicited
        offers to buy any Certificates from, any person, or otherwise approached
        or
        negotiated with any person with respect thereto, or taken any other action
        which
        would result in a violation of Section 5 of the Act, and (g) we will not
        sell,
        transfer or otherwise dispose of any Certificates unless (1) such sale, transfer
        or other disposition is made pursuant to an effective registration statement
        under the Act or is exempt from such registration requirements, and if
        requested, we will at our expense provide an opinion of counsel satisfactory
        to
        the addressees of this Certificate that such sale, transfer or other disposition
        may be made pursuant to an exemption from the Act, (2) the purchaser or
        transferee of such Certificate has executed and delivered to you a certificate
        to substantially the same effect as this certificate, and (3) the purchaser
        or
        transferee has otherwise complied with any conditions for transfer set forth
        in
        the Pooling and Servicing Agreement.

       

      
        	 	
                Very
                  truly yours,

                 

              
	 	
                Print
                  Name of Transferee

              
	 	 	 
	 	
                By:

              	 
	 	 	
                Authorized
                  Officer

              

      

      

      

      

      

      

      EXHIBIT
        L

       

      FORM
        OF
        RULE 144A LETTER

       

      ____________,
        200__

       

      Credit
        Suisse First Boston Mortgage Securities Corp.

      11
        Madison Avenue, 4th Floor

      New
        York,
        New York 10010

      Attention:
        Peter Sack

       

      U.S.
        Bank
        National Association

      as
        Trustee for the

      Home
        Equity Mortgage Pass-Through Certificates, Series 2006-6

      60
        Livingston Ave.

      St.
        Paul,
        MN 55107-2292

      Attention:
        Corporate Trust - Structured Finance Ref: HEMT 2006-6

       

      
        	
              	Re:	
                Credit
                  Suisse First Boston Mortgage Securities Corp., 

                Home
                  Equity Mortgage Trust 2006-6

                Home
                  Equity Mortgage Pass-Through Certificates, Series 2006-6, Class
                  [___]

              

      

       

      Ladies
        and Gentlemen:

       

      In
        connection with our acquisition of the above Certificates we certify that
        (a) we
        understand that the Certificates are not being registered under the Securities
        Act of 1933, as amended (the “Act”), or any state securities laws and are being
        transferred to us in a transaction that is exempt from the registration
        requirements of the Act and any such laws, (b) we have such knowledge and
        experience in financial and business matters that we are capable of evaluating
        the merits and risks of investments in the Certificates, (c) we have had
        the
        opportunity to ask questions of and receive answers from the Depositor
        concerning the purchase of the Certificates and all matters relating thereto
        or
        any additional information deemed necessary to our decision to purchase the
        Certificates, (d) we are not an employee benefit plan that is subject to
        the
        Employee Retirement Income Security Act of 1974, as amended, or a plan or
        arrangement that is subject to Section 4975 of the Internal Revenue Code
        of
        1986, as amended, nor are we acting on behalf of any such plan or arrangement
        nor are we using the assets of any such plan or arrangement to effect such
        acquisition or we have provided the certification or opinion letter as required
        in section 5.02 of the Pooling and Servicing Agreement, (e) we have not,
        nor has
        anyone acting on our behalf offered, transferred, pledged, sold or otherwise
        disposed of the Certificates, any interest in the Certificates or any other
        similar security to, or solicited any offer to buy or accept a transfer,
        pledge
        or other disposition of the Certificates, any interest in the Certificates
        or
        any other similar security from, or otherwise approached or negotiated with
        respect to the Certificates, any interest in the Certificates 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 Certificates
        under
        the Act or that would render the disposition of the Certificates a violation
        of
        Section 5 of the Act or require registration pursuant thereto, nor will act,
        nor
        has authorized or will authorize any person to act, in such manner with respect
        to the Certificates, (f) we are a “qualified institutional buyer” as that term
        is defined in Rule 144A under the Act (“Rule 144A”) and have completed either of
        the forms of certification to that effect attached hereto as Annex 1 or Annex
        2,
        (g) we are aware that the sale to us is being made in reliance on Rule 144A,
        and
        (h) we are acquiring the Certificates for our own account or for resale pursuant
        to Rule 144A and further, understand that such Certificates may be resold,
        pledged or transferred only (A) 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 (B)
        pursuant to another exemption from registration under the Act.

       

      
        	 	
                Very
                  truly yours,

                 

              
	 	
                Print
                  Name of Transferee

              
	 	 	 
	 	
                By:

              	 
	 	 	
                Authorized
                  Officer

              

      

      

      

      

      

      

      ANNEX
        1
        TO EXHIBIT L

       

      QUALIFIED
        INSTITUTIONAL BUYER STATUS UNDER SEC RULE 144A

       

      [For
        Transferees Other Than Registered Investment Companies]

       

      The
        undersigned (the “Buyer”) hereby certifies as follows to the parties listed in
        the Rule 144A Transferee Certificate to which this certification relates
        with
        respect to the Certificates described therein:

       

      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, as
        amended (“Rule 144A”) because (i) the Buyer owned and/or invested on a
        discretionary basis $___________ Buyer
        must own and/or invest on a discretionary basis at least $100,000,000 in
        securities unless Buyer is a dealer, and, in that case, Buyer must own and/or
        invest on a discretionary basis at least $10,000,000 in securities.
        1 in
        securities (except for the 1 excluded securities referred to below) as of
        the
        end of the Buyer's most recent fiscal year (such amount being calculated
        in
        accordance with Rule 144A and (ii) the Buyer satisfies the criteria in the
        category marked below.

       

      ___
        Corporation, etc. The Buyer is a corporation (other than a bank, savings
        and
        loan association or similar institution), Massachusetts or similar business
        trust, partnership, or charitable organization described in Section 501(c)(3)
        of
        the Internal Revenue Code of 1986, as amended.

       

      ___
        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,
        a
        copy of which is attached hereto.

       

      ___
        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, territory
        or the District of Columbia.

       

      ___
        State
        or Local Plan. The Buyer is a plan established and maintained by a State,
        its
        political subdivisions, or any agency or instrumentality of the State or
        its
        political subdivisions, for the benefit of its employees.

       

      ___
        ERISA
        Plan. The Buyer is an employee benefit plan within the meaning of Title I
        of the
        Employee Retirement Income Security Act of 1974, as amended.

       

      ___
        Investment Advisor. The Buyer is an investment advisor registered under the
        Investment Advisors Act of 1940.

       

      ___
        Small
        Business Investment Company. 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. Buyer is a business development company as
        defined
        in Section 202(a)(22) of the Investment Advisors Act of 1940.

       

      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) securities
        issued or guaranteed by the U.S. or any instrumentality thereof, (iv) bank
        deposit notes and certificates of deposit, (v) loan participations, (vi)
        repurchase agreements, (vii) securities owned but subject to a repurchase
        agreement and (viii) 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, except (i) where the Buyer reports its securities
        holdings in its financial statements on the basis of their market value,
        and
        (ii) no current information with respect to the cost of those securities
        has
        been published. If clause (ii) in the preceding sentence applies, the securities
        may be valued at market. 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, as
        amended.

       

      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.

       

      6. Until
        the
        date of purchase of the Rule 144A Securities, 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 the
        Certificates will constitute a reaffirmation of this certification as of
        the
        date of such purchase. In addition, if the Buyer is a bank or savings and
        loan
        is provided above, the Buyer agrees that it will furnish to such parties
        updated
        annual financial statements promptly after they become available.

       

      
        	 	 	 
	 	 	
                Print
                  Name of Buyer

              
	 	 	 
	 	 	 
	 	
                By:

              	 
	 	 	
                Name:

              
	 	 	
                Title:

              
	 	 	 
	 	
                Date:

              	 

      

      

      

      

        

      

      
        
          1
            Buyer
            must own and/or invest on a discretionary basis at least $100,000,000
            in
            securities unless Buyer is a dealer, and, in that case, Buyer must own
            and/or
            invest on a discretionary basis at least $10,000,000 in
            securities.

        

      

       

       

      
 

      ANNEX
        2
        TO EXHIBIT L

       

      QUALIFIED
        INSTITUTIONAL BUYER STATUS UNDER SEC RULE 144A

       

      [For
        Transferees That are Registered Investment Companies]

       

      The
        undersigned (the “Buyer”) hereby certifies as follows to the parties listed in
        the Rule 144A Transferee Certificate to which this certification relates
        with
        respect to the Certificates described therein:

       

      
        	
                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, as amended (“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,
                  as amended 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, except
                  (i)
                  where the Buyer or the Buyer's Family of Investment Companies reports
                  its
                  securities holdings in its financial statements on the basis of
                  their
                  market value, and (ii) no current information with respect to the
                  cost of
                  those securities has been published. If clause (ii) in the preceding
                  sentence applies, the securities may be valued at
                  market.

              

      

       

      ___
        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) securities issued or guaranteed
                  by
                  the U.S. or any instrumentality thereof, (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.

              

      

       

      
        	
                5.

              	
                The
                  Buyer is familiar with Rule 144A and understands that the parties
                  listed
                  in the Rule 144A Transferee Certificate to which this certification
                  relates 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.

              	
                Until
                  the date of purchase of the Certificates, the undersigned will
                  notify the
                  parties listed in the Rule 144A Transferee Certificate to which
                  this
                  certification relates of any changes in the information and conclusions
                  herein. Until such notice is given, the Buyer's purchase of the
                  Certificates will constitute a reaffirmation of this certification
                  by the
                  undersigned as of the date of such
                  purchase.

              

      

       

      

      
        	 	 
	 	
                Print
                  Name of Buyer or Adviser

              
	 	 
	 	
                By:

              	 
	 	 	
                Name

              
	 	 	
                Title

              
	 	 	 
	 	 	 
	 	
                IF
                  AN ADVISER:

              
	 	 	 
	 	 
	 	
                Print
                  Name of Buyer

              
	 	 	 
	 	 	 
	 	 	 
	 	
                Date:

              	 

      

      

      

      

      

      

      EXHIBIT
        M

       

      REQUEST
        FOR RELEASE

      (for
        Trustee)

       

      CREDIT
        SUISSE FIRST BOSTON MORTGAGE SECURITIES CORP.

       

      Home
        Equity Mortgage Trust 2006-6

       

      Home
        Equity Mortgage Pass-Through Certificates, Series 2006-6

       

      Loan
        Information

       

      Name
        of
        Mortgagor:

      ____________________________________

       

      Servicer

       

      Loan
        No.:

       

      ____________________________________

       

      Trustee

       

      Name:

       

      Address:
        

       

      ____________________________________

       

      ____________________________________

       

      ____________________________________

       

      Trustee

      Mortgage
        File No.:

       

      The
        undersigned Servicer hereby acknowledges that it has received from
        [______________], as Custodian for the Holders of Mortgage Pass-Through
        Certificates, of the above-referenced Series, the documents referred to below
        (the “Documents”). All capitalized terms not otherwise defined in this Request
        for Release shall have the meanings given them in the Pooling and Servicing
        Agreement (the “Pooling and Servicing Agreement”) relating to the
        above-referenced Series among Credit Suisse First Boston Mortgage Securities
        Corp. as depositor, DLJ Mortgage Capital, Inc. as seller, Select Portfolio
        Servicing, Inc. as servicer and U.S. Bank National Association as trustee
        (the
“Trustee”).

       

      
        	
                (
                  )

              	
                Mortgage
                  Note dated _____________________, _______, in the original principal
                  sum
                  of $___________________, made by ____________________. payable
                  to, or
                  endorsed to the order of, the
                  Trustee.

              

      

       

      
        	
                (
                  )

              	
                Mortgage
                  recorded on ________________ as instrument no. ______________ in
                  the
                  County Recorder's Office of the County of ___________________,
                  State of
                  ___________ in book/reel/docket _________________ of official records
                  at
                  page/image _____________.

              

      

       

      
        	
                (
                  )

              	
                Deed
                  of Trust recorded on _____________ as instrument no. ______________
                  in the
                  County Recorder's Office of the County of _______________, State
                  of
                  ______________ in book/reel/docket _____________________ of official
                  records at page/image _________.

              

      

       

      
        	
                (
                  )

              	
                Assignment
                  of Mortgage or Deed of Trust to the Trustee, recorded on _________
                  as
                  instrument no. ______________ in the County Recorder's Office of
                  the
                  County of ______, State of ________________ in book/reel/docket
                  _______________ of official records at page/image
                  _______________.

              

      

       

      
        	
                (
                  )

              	
                Other
                  documents, including any amendments, assignments or other assumptions
                  of
                  the Mortgage Note or Mortgage.

              

      

       

      
        	
                (
                  )

              	 
	
                (
                  )
                  

              	 
	
                (
                  )
                  

              	 
	
                (
                  )
                  

              	 

      

      

      The
        undersigned Servicer hereby acknowledges and agrees as follows:

       

      (1) Such
        Servicer shall hold and retain possession of the Documents in trust for the
        benefit of the Trustee, solely for the purposes provided in the
        Agreement.

       

      (2) Such
        Servicer shall not cause or knowingly permit the Documents to become subject
        to,
        or encumbered by, any claim, liens, security interest, charges, writs of
        attachment or other impositions nor shall the Servicer, if applicable, assert
        or
        seek to assert any claims or rights of setoff to or against the Documents
        or any
        proceeds thereof.

       

      (3) Such
        Servicer shall return each and every Document previously requested from the
        Mortgage File to the Custodian when the need therefor no longer exists, unless
        the Mortgage Loan relating to the Documents has been liquidated and the proceeds
        thereof have been remitted to the Certificate Account and except as expressly
        provided in the Agreement.

       

      (4) The
        Documents and any proceeds thereof, including any proceeds of proceeds, coming
        into the possession or control of such Servicer shall at all times be earmarked
        for the account of the Custodian, and such Servicer shall keep the Documents
        and
        any proceeds separate and distinct from all other property in such Servicer's
        possession, custody or control.

       

      
        
          
          

        

        
          
          

          
            

          

        

        
          
          

        

      

      [Servicer]

       

      By
        _________________________________

      Its
        _________________________________

      Date:
        ____________, 20__

       

      

       

      EXHIBIT
        N

       

      FORM
        OF
        SUBSEQUENT TRANSFER AGREEMENT

       

      THIS
        SUBSEQUENT TRANSFER AGREEMENT, dated as of _________ ___, 2007 (this “Subsequent
        Transfer Agreement”), among CREDIT SUISSE FIRST BOSTON MORTGAGE SECURITIES
        CORP., a Delaware corporation, as depositor (the “Depositor”), DLJ MORTGAGE
        CAPITAL, INC., a Delaware corporation, in its capacity as seller under the
        Pooling and Servicing Agreement referred to below (the “Seller”), SELECT
        PORTFOLIO SERVICING, INC., as servicer (the “Servicer”) and U.S. Bank National
        Association, a banking association organized under the laws of the United
        States, as trustee (the “Trustee”);

       

      WHEREAS,
        the parties hereto are also among the parties to the Pooling and Servicing
        Agreement, dated as of December 1, 2006, among the Depositor, the Seller,
        SPS
        and the Trustee, in relation to the Home Equity Mortgage Pass-Through
        Certificates, Series 2006-6;

       

      WHEREAS,
        Sections 2.01(f) of the Pooling and Servicing Agreement provides for the
        parties
        hereto to enter into this Subsequent Transfer Agreement in accordance with
        the
        terms and conditions of the Pooling and Servicing Agreement;

       

      NOW,
        THEREFORE, in consideration of the premises and for other good and valuable
        consideration the receipt and adequacy of which are hereby acknowledged the
        parties hereto agree as follows:

       

      (i) The
        “Subsequent Transfer Date” with respect to this Subsequent Transfer Agreement
        shall be ____________, 200__.

       

      (ii) The
        “Aggregate Subsequent Purchase Amount” with respect to this Subsequent Transfer
        Agreement shall be $____________, provided, however, that such amount shall
        not
        exceed the amount on deposit in the Pre-Funding Accounts.

       

      (iii) The
        Subsequent Mortgage Loans conveyed on the Subsequent Transfer Date shall
        satisfy
        the pool characteristics for the Trust Fund identified in Section 2.01(f)
        of the
        Pooling and Servicing Agreement.

       

      (iv) In
        case
        any provision of this Subsequent Transfer Agreement shall be invalid, illegal
        or
        unenforceable, the validity, legality and enforceability of the remaining
        provisions or obligations shall not in any way be affected or impaired
        thereby.

       

      (v) In
        the
        event of any conflict between the provisions of this Subsequent Transfer
        Agreement and the Pooling and Servicing Agreement, the provisions of the
        Pooling
        and Servicing Agreement shall prevail. Capitalized terms used herein and
        not
        otherwise defined have the meanings in the Pooling and Servicing
        Agreement.

       

      (vi) The
        Seller hereby sells, transfers, assigns, sets over and otherwise conveys
        to the
        Trustee for the benefit of the Certificateholders, without recourse, all
        right
        title and interest in the Subsequent Mortgage Loans identified in Schedule
        A,
        including all interest and principal due on or with respect to such Subsequent
        Mortgage Loans on or after the Subsequent Cut-off Date and all interest and
        principal payments on such Subsequent Mortgage Loans received prior to the
        Subsequent Cut-off Date in respect of installments of interest and principal
        due
        thereafter, but not including principal and interest due on such Subsequent
        Mortgage Loans prior to the Subsequent Cut-off Date, any insurance policies
        in
        respect of such Subsequent Mortgage Loans and all proceeds of any of the
        foregoing.

       

      (vii) This
        Subsequent Transfer Agreement shall be governed by, and shall be construed
        and
        enforced in accordance with the laws of the State of New York.

       

      (viii) The
        Subsequent Transfer Agreement may be executed in one or more counterparts,
        each
        of which so executed and delivered shall be deemed an original, but all such
        counterparts together shall constitute but one and the same
        instrument.

       

      

       

      EXHIBIT
        O-1

       

      FORM
        OF
        COLLECTION ACCOUNT CERTIFICATION

       

      [         ],
        20__

       

      [Servicer's
        name] hereby certifies that it has established the account described below
        as a
        Collection Account pursuant to Section 3.05 of the Pooling and Servicing
        Agreement, dated as of December 1, 2006, among Credit Suisse First Boston
        Mortgage Securities Corp. as depositor, DLJ Mortgage Capital, Inc. as seller
        (“DLJMC”), Select Portfolio Servicing, Inc. as servicer (the “Servicer”) and
        U.S. Bank National Association as trustee (the “Trustee”).

       

       

      
        	Title of Account:	[Servicer's Name], in trust for the
                Holders
                of Credit Suisse First Boston Mortgage Securities Corp., Home Equity
                Mortgage Pass-Through Certificates, Series
                2006-6.

      

      
         

      

      Account
        Number: ______________

       

      Address
        of officer or branch

       

      of
        the
        Company at

       

      which
        Account is maintained:

       

      _________________________

      _________________________

      _________________________

       

      [Servicer's
        Name], AS SERVICER

       

      By:
        ______________________

       

      Name:
        ____________________

       

      Title:
        _____________________

       

      

       

      

       

      EXHIBIT
        O-2

       

      FORM
        OF
        COLLECTION ACCOUNT LETTER AGREEMENT

       

      [         ],
        20__

       

      To:       
         ___________________

      ___________________

      ___________________

      (the
        “Depository”)

       

      As
        Servicer under the Pooling and Servicing Agreement, dated as of December
        1,
        2006, among Credit Suisse First Boston Mortgage Securities Corp. as depositor,
        DLJ Mortgage Capital, Inc. as seller (“DLJMC”), Select Portfolio Servicing, Inc.
        as servicer (the “Servicer”) and U.S. Bank National Association as trustee (the
“Trustee”) (the “Agreement”), we hereby authorize and request you to establish
        an account, as a Collection Account pursuant to Section 3.05 of the Agreement,
        to be designated as “[Servicer's Name], in trust for the Holders of Credit
        Suisse First Boston Mortgage Securities Corp., Home Equity Mortgage Pass-Through
        Certificates, Series 2006-6.” All deposits in the account shall be subject to
        withdrawal therefrom by order signed by the Servicer. This letter is submitted
        to you in duplicate. Please execute and return one original to us.

       

      [Servicer's
        Name], AS SERVICER

       

      By:
        ___________________________

       

      Name:
        _________________________

       

      Title:
        __________________________

       

      Date:
        __________________________

      
        
          
          

        

        
          
          

          
            

          

        

        
          
          

        

      

      The
        undersigned, as Depository, hereby certifies that the above described account
        has been established under Account Number _________ at the office of the
        Depository indicated above and agrees to honor withdrawals on such account
        as
        provided above. The full amount deposited at any time in the account will
        be
        insured up to applicable limits by the Federal Deposit Insurance Corporation
        through the Bank Insurance Fund (“BIF”) or the Savings Association Insurance
        Fund (“SAIF”).

       

      _______________________________

      Depository

       

      By:
        ___________________________

       

      Name:
        _________________________

       

      Title:
        __________________________

       

      Date:
        __________________________

      

      

      EXHIBIT
        P-1

       

      FORM
        OF
        ESCROW ACCOUNT CERTIFICATION

       

      [        
],
        20__

       

      [Servicer's
        Name] hereby certifies that it has established the account described below
        as an
        Escrow Account pursuant to Section 3.06 of the Pooling and Servicing Agreement,
        dated as of December 1, 2006, among Credit Suisse First Boston Mortgage
        Securities Corp. as depositor, DLJ Mortgage Capital, Inc. as seller (“DLJMC”),
        Select Portfolio Servicing, Inc. as servicer (the “Servicer”) and U.S. Bank
        National Association as trustee (the “Trustee”).

       

       

      
        	Title of Account:	“[Servicer's Name], in trust for Credit
                Suisse First Boston Mortgage Securities Corp., Home Equity Mortgage
                Trust
                2006-6, Home Equity Mortgage Pass-Through Certificates, Series 2006-6
                and
                various mortgagors”

      

       

      Account
        Number: ___________________________________

       

      Address
        of officer or branch

       

      of
        the
        Company at

       

      which
        Account is maintained:

       

      ________________________

      ________________________

      ________________________

       

      [Servicer's
        Name], AS SERVICER

       

      By:
        _____________________

       

      Name:
        ___________________

       

      Title:
        ____________________

       

      

       

      

       

      EXHIBIT
        P-2

       

      FORM
        OF
        ESCROW ACCOUNT LETTER AGREEMENT

       

      [         ],
        20__

       

      To:        
         _________________

      _________________

      _________________

      (the
        “Depository”)

       

      As
        Servicer under the Pooling and Servicing Agreement, dated as of December
        1,
        2006, among Credit Suisse First Boston Mortgage Securities Corp. as depositor,
        DLJ Mortgage Capital, Inc. as seller (“DLJMC”), Select Portfolio Servicing, Inc.
        as servicer (the “Servicer”) and U.S. Bank National Association as trustee (the
“Trustee”) (the “Agreement”), we hereby authorize and request you to establish
        an account, as an Escrow Account pursuant to Section 3.06 of the Agreement,
        to
        be designated as “Credit Suisse First Boston Mortgage Securities Corp., Home
        Equity Mortgage Trust 2006-6, Home Equity Mortgage Pass-Through Certificates,
        Series 2006-6”. All deposits in the account shall be subject to withdrawal
        therefrom by order signed by the Servicer. This letter is submitted to you
        in
        duplicate. Please execute and return one original to us.

       

      [SERVICER'S
        NAME], AS SERVICER

       

      By:
        ___________________________

      Name:
        _________________________

      Title:
        __________________________

      Date:
        __________________________

      

      
        
          
          

        

        
          
          

          
            

          

        

        
          
          

        

      

      The
        undersigned, as Depository, hereby certifies that the above described account
        has been established under Account Number ________________ at the office
        of the
        Depository indicated above and agrees to honor withdrawals on such account
        as
        provided above. The full amount deposited at any time in the account will
        be
        insured up to applicable limits by the Federal Deposit Insurance Corporation
        through the Bank Insurance Fund (“BIF”) or the Savings Association Insurance
        Fund (“SAIF”).

       

      _______________________________

      Depository

       

      By:
        ___________________________

       

      Name:
        _________________________

       

      Title:
        __________________________

       

      Date:
        __________________________

      

      

      EXHIBIT
        Q

       

      [RESERVED]

       

      

       

      

       

      EXHIBIT
        R-1

       

      FORM
        OF
        CUSTODIAL AGREEMENT FOR LASALLE BANK NATIONAL ASSOCIATION

       

      THIS
        CUSTODIAL AGREEMENT (the “Custodial Agreement”), dated as of December 1, 2006 by
        and between U.S.
        BANK
        NATIONAL ASSOCIATION,
        a
        national banking association organized under the laws of the United States
        (the
“Trustee”), having an address at 60 Livingston Avenue, St. Paul, MN 55107, not
        individually, but solely as trustee under the Pooling and Servicing Agreement
        for the Credit Suisse First Boston Mortgage Securities Corp., Home Equity
        Mortgage Trust 2006-6, Home Equity Mortgage Pass-Through Certificates, Series
        2006-6 (the “Trust”), and LASALLE BANK NATIONAL ASSOCIATION, a national banking
        association having an address at 2571 Busse Road, Suite 200, Elk Grove Village,
        Illinois 60007, as custodian (the “Custodian”).

       

      W
        I T
        N E S S E T H

      

      WHEREAS,
        Credit Suisse First Boston Mortgage Securities Corp. (the “Depositor”) has
        agreed to transfer certain conventional, fixed-rate mortgage loans (the
“Mortgage Loans”) to the Trustee, pursuant to the terms and conditions of the
        Pooling and Servicing Agreement, dated December 1, 2006 (the “Pooling and
        Servicing Agreement”), among DLJMC, as seller (the “Seller”), Select Portfolio
        Servicing, Inc., as servicer (the “Servicer”), the Trustee and the Depositor;
        and

       

      WHEREAS,
        the Servicer is to service the Mortgage Loans pursuant to the terms and
        conditions of the Pooling and Servicing Agreement, and the Trustee will retain
        record title to the Mortgage Loans; and

       

      WHEREAS,
        the Custodian is a national banking association and is otherwise authorized
        to
        act as Custodian pursuant to this Custodial Agreement; and

       

      NOW
        THEREFORE, in consideration of the mutual undertakings herein expressed,
        the
        parties hereto hereby agree as follows:

       

      Section
        1.  Definitions.

       

      Capitalized
        terms used but not defined herein shall have the meanings assigned to them
        in
        the Pooling and Servicing Agreement, a copy of which has been received by
        the
        Custodian.

       

      Agreement:
        This
        Custodial Agreement and all amendments, attachments and supplements
        hereto.

       

      Business
        Day:
        Any day
        other than (i) a Saturday or a Sunday, or (ii) a day on which banking
        institutions in the City of New York, New York, or the city in which the
        Corporate Trust Office of the Trustee is located, or savings and loan
        institutions located in the States of Minnesota, Illinois or Utah are authorized
        or obligated by law or executive order to be closed.

       

      Closing
        Date:
        December 29, 2006.

       

      Commission:
        The
        United States Securities and Exchange Commission.

       

      Custodial
        File:
        As to
        each Mortgage Loan, any mortgage loan documents which are delivered to the
        Custodian or which at any time come into the possession of the Custodian
        as set
        forth in Section 2 of this Custodial Agreement.

       

      Custodian:
        LaSalle
        Bank National Association, or its successor in interest or assigns, or any
        successor to the Custodian under this Custodial Agreement as herein
        provided.

       

      Delivery
        Date:
        The
        date which occurs five (5) Business Days prior to the Closing Date or any
        Subsequent Transfer Date, as applicable, or such other date as mutually agreed
        upon by the Depositor, Trustee and the Custodian.

       

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

       

      Mortgage
        Loan:
        The
        mortgage loan relating to each Custodial File sold, assigned or transferred
        pursuant to this Custodial Agreement and identified on the Mortgage Loan
        Schedule attached hereto as Exhibit
        5,
        as such
        Mortgage Loan Schedule may be supplemented from time to time.

       

      Regulation
        AB:
        Subpart
        229.1100 - Asset Backed Securities (Regulation AB), 17 C.F.R.
§§229.1100-229.1123, as such may be amended from time to time, and subject
        to
        such clarification and interpretation as have been provided by the Commission
        in
        the adopting release (Asset-Backed Securities, Securities Act Release No.
        33-8518, 70 Fed. Reg. 1,506, 1,531 (Jan. 7, 2005)) or by the staff of the
        Commission, or as may be provided by the Commission or its staff from time
        to
        time.

       

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

       

      Servicer:
        The
        Servicer under the Pooling and Servicing Agreement as therein
        provided.

       

      Subcontractor:
        Any
        vendor, subcontractor or other
        person
        that is not responsible for the overall servicing (as “servicing” is commonly
        understood by participants in the mortgage-backed securities market) of the
        Mortgage Loans but performs one or more discrete functions identified in
        Item
        1122(d) of Regulation AB with respect to the Mortgage Loans under the direction
        or authority of the Custodian.

       

      Trustee:
        U.S.
        Bank National Association, in its capacity as Trustee under the Pooling and
        Servicing Agreement or its assigns.

       

      Trust
        Receipt:
        Either
        a Trust Receipt and Initial Certification or a Trust Receipt and Final
        Certification.

       

      Trust
        Receipt and Initial Certification:
        A trust
        receipt and initial certification as to each Mortgage Loan, which Trust Receipt
        and Initial Certification is delivered to the Trustee and the Servicer by
        the
        Custodian in the form annexed hereto as Exhibit 1.

       

      Trust
        Receipt and Final Certification:
        A trust
        receipt and final certification as to each Mortgage Loan, which Trust Receipt
        and Final Certification is delivered to the Trustee and the Servicer by the
        Custodian in the form annexed hereto as Exhibit 2.

       

      Section
        2.  Delivery
        of Custodial Files.

       

      The
        Depositor will deliver and release or cause to be delivered and released
        to the
        Custodian on the Delivery Date the following original documents pertaining
        to
        each of the Mortgage Loans identified in the related Mortgage Loan
        Schedule:

       

      i.)  (A)
        the
        original Mortgage Note of the Mortgagor in the name of the Trustee or endorsed
        “Pay to the order of ________________ without recourse” and signed in the name
        of the last named endorsee by an authorized officer, together with all
        intervening endorsements showing a complete chain of endorsements from the
        originator of the related Mortgage Loan to the last endorsee or (B) with
        respect
        to any Lost Mortgage Note (as such term is defined in the Pooling and Servicing
        Agreement), a lost note affidavit stating that the original Mortgage Note
        was
        lost or destroyed, together with a copy of such Mortgage Note;

       

      ii.)  the
        original Mortgage bearing evidence that such instruments have been recorded
        in
        the appropriate jurisdiction where the Mortgaged Property is located as
        determined by DLJMC (or, in lieu of the original of the Mortgage or the
        assignment thereof, a duplicate or conformed copy of the Mortgage or the
        instrument of assignment, if any, together with a certificate of receipt
        from
        the Seller or the settlement agent who handled the closing of the Mortgage
        Loan,
        certifying that such copy or copies represent true and correct copy(ies)
        of the
        original(s) and that such original(s) have been or are currently submitted
        to be
        recorded in the appropriate governmental recording office of the jurisdiction
        where the Mortgaged Property is located) or a certification or receipt of
        the
        recording authority evidencing the same;

       

      iii.)  the
        original Assignment of Mortgage, in blank, which assignment appears to be
        in
        form and substance acceptable for recording and, in the event that the related
        Originator acquired the Mortgage Loan in a merger, the assignment must be
        by
“[Originator], successor by merger to [name of predecessor]”, and in the event
        that the Mortgage Loan was acquired or originated by the related Originator
        while doing business under another name, the assignment must be by
“[Originator], formerly known as [previous name]”;

       

      iv.)  The
        original of any intervening assignment of the Mortgage not included in (iii)
        above, including any warehousing assignment, with evidence of recording thereon
        (or, in lieu of the original of any such intervening assignment, a duplicate
        or
        conformed copy of such intervening assignment together with a certificate
        of
        receipt from the related Originator or the settlement agent who handled the
        closing of the Mortgage Loan, certifying that such copy or copies represent
        true
        and correct copy(ies) of the original(s) and that such original(s) have been
        or
        are currently submitted to be recorded in the appropriate governmental recording
        office of the jurisdiction where the Mortgaged Property is located) or a
        certification or receipt of the recording authority evidencing the
        same;

       

      v.)  an
        original of any related security agreement (if such item is a document separate
        from the Mortgage) and the originals of any intervening assignments thereof
        showing a complete chain of assignment from the originator of the related
        Mortgage Loan to the last assignee;

       

      vi.)  an
        original assignment of any related security agreement (if such item is a
        document separate from the Mortgage) executed by the last assignee in
        blank;

       

      vii.)  the
        originals of any assumption, modification, extension or guaranty agreement
        with
        evidence of recording thereon, if applicable (or, in lieu of the original
        of any
        such agreement, a duplicate or conformed copy of such agreement together
        with a
        certificate of receipt from the related Originator or the settlement agent
        who
        handled the closing of the Mortgage Loan, certifying that such copy(ies)
        represent true and correct copy(ies) of the original(s) and that such
        original(s) have been or are currently submitted to be recorded in the
        appropriate governmental recording office of the jurisdiction where the
        Mortgaged Property is located), or a certification or receipt of the recording
        authority evidencing the same;

       

      viii.)  if
        the
        Mortgage Note or Mortgage or any other document or instrument relating to
        the
        Mortgage Loan has been signed by a person on behalf of the Mortgagor, the
        original power of attorney or other instrument that authorized and empowered
        such person to sign bearing evidence that such instrument has been recorded,
        if
        so required, in the appropriate jurisdiction where the Mortgaged Property
        is
        located as determined by DLJMC (or, in lieu thereof, a duplicate or conformed
        copy of such instrument, together with a certificate of receipt from the
        related
        Originator or the settlement agent who handled the closing of the Mortgage
        Loan,
        certifying that such copy(ies) represent true and complete copy(ies) of the
        original(s) and that such original(s) have been or are currently submitted
        to be
        recorded in the appropriate governmental recording office of the jurisdiction
        where the Mortgaged Property is located) or a certification or receipt of
        the
        recording authority evidencing the same; and

       

      ix.)  in
        the
        case of the First Mortgage Loans, the original mortgage title insurance
        policy.

       

      In
        the
        event that, pursuant to the Pooling and Servicing Agreement, an Officer’s
        Certificate of the Seller is delivered to the Trustee because of a delay
        caused
        by the public recording office in returning any recorded document, the Trustee
        shall deliver such Officer’s Certificate to the Custodian. The Trustee shall
        direct the Custodian to deliver written notice to each Rating Agency, as
        such
        term is defined in the Pooling and Servicing Agreement, within 360 days from
        the
        Closing Date indicating each Mortgage (a) which has not been returned by
        the
        appropriate recording office or (b) as to which there is a dispute as to
        location or status of such Mortgage. Such notice shall be delivered every
        90
        days thereafter until the related Mortgage is returned to the
        Custodian.

       

      From
        time
        to time, the Servicer shall forward or shall cause to be forwarded to the
        Custodian additional original documents, additional documents evidencing
        an
        assumption, modification, consolidation or extension of a Mortgage Loan approved
        by the Servicer of such Mortgage Loan, in accordance with the terms of the
        Pooling and Servicing Agreement. All such mortgage documents held by the
        Custodian as to each Mortgage Loan shall constitute the “Custodial File”. From
        time to time, the Trustee shall instruct or cause the instruction of the
        Custodian to deliver certain mortgage documents to the Trustee for assignment
        and recordation.

       

      Within
        thirty (30) days of the Closing Date with regard to the Initial Mortgage
        Loans
        and the related Subsequent Transfer Date with regard to the Subsequent Mortgage
        Loans, the Trustee (at the expense of DLJ Mortgage Capital, Inc., referred
        to in
        the Pooling and Servicing Agreement as DLJMC, the seller of the Mortgage
        Loans)
        shall (i) affix the Trustee’s name to each Assignment of Mortgage, as the
        assignee thereof, (ii) cause such Assignment of Mortgage to be completed
        in
        proper form for recording in the appropriate public office for real property
        records and (iii) cause to be delivered for recording in the appropriate
        public
        office for real property records the Assignments of Mortgages to the Trustee,
        except that, with respect to any Assignment of Mortgage as to which the Trustee
        has not received the information required to prepare such Assignment of Mortgage
        in recordable form, the Trustee’s obligation to do so and to deliver the same
        for such recording shall be as soon as practicable after receipt of such
        information and in any event within thirty (30) days after the receipt thereof.
        The Custodian shall maintain a copy of each such assignment in the Custodial
        File. DLJMC shall be responsible for the fees and expenses of the Trustee
        in
        connection with this paragraph.

       

      At
        least
        24 hours prior to delivery of the Mortgage Loans, the Depositor will provide
        or
        cause to be provided to the Custodian, via electronic transmission, a list
        of
        all the Mortgage Loans and their related data fields including loan ID,
        Mortgagor name, mortgaged property address, mortgage rate, maturity date,
        and
        original principal balance of each such Mortgage Loan. This data shall be
        delivered to the Custodian in an acceptable format that can be easily uploaded
        to the Custodian’s system. A hard copy of the Mortgage Loan Schedule will be
        delivered to the Custodian at the time of delivery to the Custodian of such
        documents related to the Mortgage Loans identified in such Mortgage Loan
        Schedule.

       

      Section
        3.  Custodian
        as Bailee.

       

      The
        Custodian hereby acknowledges that it is, and agrees to act as, bailee for
        the
        Trustee and is holding each Custodial File delivered to it in trust for the
        Trustee.

       

      Section
        4.  Trust
        Receipt and Initial Certification of the Custodian.

       

      B.  No
        later
        than 1:00 p.m. Eastern Time on the Closing Date or Subsequent Transfer Date,
        as
        applicable, the Custodian shall deliver to the Trustee and the Servicer a
        Trust
        Receipt and Initial Certification certifying, subject to any exceptions noted
        thereon, as to each Initial Mortgage Loan or Subsequent Mortgage Loan, as
        applicable, on the Mortgage Loan Schedule, (i) receipt of the original Mortgage
        Note and Assignment of Mortgage and (ii) that the Mortgage Note has been
        reviewed by the Custodian and appears regular on its face and relates to
        such
        Mortgage Loan.

       

      C.  Upon
        the
        written directions of the Trustee, and upon the prior tender by the Trustee
        of
        an applicable trust receipt or trust receipts (including any related Trust
        Receipt and Final Certification that has been issued), the Custodian shall
        deliver all or any portion of the related Custodial Files held by it pursuant
        to
        such Trust Receipt to the Trustee, or to such other party designated by such
        Trustee in such written direction, and to the place indicated in any such
        written direction from the Trustee. If such delivery is for less than all
        of the
        Custodial Files held by the Custodian with respect to such Trust Receipt
        (and a
        Trust Receipt and Final Certification has been issued), the Custodian shall
        deliver to the Trustee and the Servicer a new Trust Receipt and Final
        Certification with respect to the related Custodial Files retained by the
        Custodian. Each Trust Receipt (including any Trust Receipt and Final
        Certification) surrendered shall be canceled by the Custodian.

       

      Section
        5.  Obligations
        of the Custodian.

       

      D.  With
        respect to the Mortgage Note, the Mortgage and the Assignment of Mortgage
        and
        other documents constituting each Custodial File which is delivered to the
        Custodian or which come into the possession of the Custodian, the Custodian
        is
        the custodian for the Trustee exclusively. The Custodian shall hold all mortgage
        documents received by it constituting the Custodial File for the exclusive
        use
        and benefit of the Trustee, and shall make disposition thereof only in
        accordance with this Custodial Agreement and the instructions furnished by
        the
        Trustee. The Custodian shall segregate and maintain continuous custody of
        all
        mortgage documents constituting the Custodial File in secure and fire-resistant
        facilities in accordance with customary standards for such custody. The
        Custodian shall not be responsible to verify (i) the validity, legality,
        enforceability, sufficiency, due authorization or genuineness of any document
        in
        the Custodial File or of any Mortgage Loans or (ii) the collectability,
        insurability, effectiveness including the authority or capacity of any Person
        to
        execute or issue any document in the Custodial File, or suitability of any
        Mortgage Loan unless specified otherwise in this Custodial Agreement. The
        Custodian shall promptly report to the Trustee any failure on its part to
        hold
        the Custodial Files and maintain its accounts, records and computer systems
        as
        herein provided and promptly take appropriate action to remedy such
        failure.

       

      E.  On
        or
        before March 15th of each calendar year that the Trust Fund is subject to
        the
        Exchange Act reporting requirements, beginning with March 15, 2007, the
        Custodian shall, at its own expense, cause a firm of independent public
        accountants (who may also render other services to Custodian), which is a
        member
        of the American Institute of Certified Public Accountants, to furnish to
        the
        Trustee and the Depositor a report to the effect that such firm that attests
        to,
        and reports on, the assessment made by such asserting party pursuant to Section
        5(c) below, which report shall be made in accordance with standards for
        attestation engagements issued or adopted by the Public Company Accounting
        Oversight Board.

       

      F.  On
        or
        before March 15th
        of each
        calendar year that the Trust Fund is subject to the Exchange Act reporting
        requirements, beginning with March 15, 2007, the Custodian shall deliver
        to the
        Trustee and the Depositor a report regarding its assessment of compliance
        with
        the applicable servicing criteria identified in Exhibit
        7
        attached
        hereto, as of and for the period ending the end of the fiscal year ending
        no
        later than December 31 of the year prior to the year of delivery of the report,
        with respect to asset-backed security transactions taken as a whole in which
        the
        Custodian is performing any of the servicing criteria specified in Exhibit
        7
        and that
        are backed by the same asset type backing such asset-backed securities. Each
        such report shall include (a) a statement of the party’s responsibility for
        assessing compliance with the servicing criteria applicable to such party,
        (b) a
        statement that such party used the criteria identified in Item 1122(d) of
        Regulation AB (§ 229.1122(d)) to assess compliance with the applicable servicing
        criteria, (c) disclosure of any material instance of noncompliance identified
        by
        such party, and (d) a statement that a registered public accounting firm
        has
        issued an attestation report on such party’s assessment of compliance with the
        applicable servicing criteria, which report shall be delivered by the Custodian
        as provided in Section 5(b).

       

      G.  The
        Custodian has not and shall not engage any Subcontractor which is “participating
        in the servicing function” within the meaning of Item 1122 of Regulation AB
        without (a) giving notice to the Seller, the Trustee, the Servicer and the
        Depositor, and (b) requiring any such Subcontractor to provide to the Custodian
        an attestation report as provided for in Section 5(b) above and an assessment
        report as provided for in Section 5(c) above, which reports the Custodian
        shall
        include in the Custodian’s attestation and assessment reports. 

       

      Section
        6.  Final
        Certification.

       

      Not
        later
        than ninety (90) days following (i) the Closing Date and (ii) the end of
        the
        Pre-Funding Period, the Custodian shall ascertain that all documents specified
        in Sections 2(i) through (ix) of this Custodial Agreement are in its possession,
        and shall deliver to the Trustee and the Servicer a Trust Receipt and Final
        Certification certifying, subject to any exceptions noted thereon that, as
        to
        each Initial Mortgage Loan or Subsequent Mortgage Loan, as applicable, listed
        in
        the Mortgage Loan Schedule (other than any Mortgage Loan paid in full or
        any
        Mortgage Loan specifically identified in such certification as not covered
        by
        such certification): (i) all documents required to be delivered to it pursuant
        to Sections 2(i)-(ix) of this Custodial Agreement are in its possession;
        (ii)
        such documents have been reviewed by it (including the information set forth
        in
        items (i), (iii), (xii) and (xx) with respect to each Mortgage Loan and item
        (ii) with respect to the Mortgage Loans in the aggregate of the Mortgage
        Loan
        Schedule) and appear regular on their face and relate to such Mortgage Loan;
        (iii) all Assignments of Mortgage or intervening assignments of mortgage,
        as
        applicable, have been submitted for recording in the jurisdiction in which
        recording is necessary; and (iv) each Mortgage Note has been endorsed as
        provided in Section 2(i) of this Custodial Agreement and each Mortgage has
        been
        assigned in accordance with Section 2(iii) of this Custodial
        Agreement.

       

      Section
        7.  Future
        Defects.

       

      During
        the term of this Custodial Agreement, if the Custodian discovers any defect
        with
        respect to any Custodial File, the Custodian shall give written specification
        of
        such defect to the Trustee, and the Servicer.

       

      Section
        8.  Release
        for Servicing.

       

      H.  From
        time
        to time and as appropriate for the foreclosure or servicing of any of the
        Mortgage Loans, the Custodian is hereby authorized, upon written receipt
        from
        the Servicer of a request for release of documents and receipt in the form
        annexed hereto as Exhibit
        3,
        to
        release to such Servicer the related Custodial File or the documents set
        forth
        in such request and receipt to such Servicer. The Servicer promptly shall
        return
        to the Custodian the Custodial File or other such documents when the Servicer’s
        need therefor no longer exists, unless the related Mortgage Loan shall be
        liquidated in which case, upon receipt of an additional request for release
        of
        documents and receipt certifying such liquidation from the Servicer to the
        Custodian in the form annexed hereto as Exhibit
        3,
        the
        Servicer’s request and receipt submitted pursuant to the first sentence of this
        Section 8 shall be released by the Custodian to the Servicer. If the Custodian
        fails to release the Custodial File within three (3) business days of receipt
        of
        the request for release of documents, the Custodian, upon the written request
        of
        the Servicer, will provide the Servicer with a lost note affidavit and
        indemnity; provided, however, that in the event the Custodial File did not
        contain an original Mortgage Note and such exception was duly reported on
        the
        document exception report attached to the Trust Receipt and Initial
        Certification, the Custodian will not be required to provide a lost note
        affidavit and indemnity. The Custodian agrees to indemnify the Trustee for
        the
        reasonable replacement cost of the file, as well as any actual penalties
        or
        charges resulting from the failure of the Custodian to return the Mortgage
        Files
        within the time frame described above.

       

      Section
        9.  Limitation
        on Release.

       

      The
        foregoing provision respecting release to the Servicer of Custodial Files
        and
        documents by the Custodian upon requests by the Servicer shall be operative
        only
        to the extent that at any time the Custodian shall not have released to the
        Servicer active Custodial Files or documents (including those requested)
        pertaining to more than 15% of the Mortgage Loans in the Mortgage Pool. Any
        additional Custodial Files or documents requested to be released by the Servicer
        may be released only upon written authorization of the Depositor. The
        limitations of this paragraph shall not apply to the release of Custodial
        Files
        to the Servicer under Section 10 below.

       

      Section
        10.  Release
        for Payment.

       

      Upon
        receipt by the Custodian of the Servicer’s request for release of documents and
        receipt in the form annexed hereto as Exhibit
        3
        (which
        certification shall include a statement to the effect that all amounts received
        in connection with such payment or repurchase have been credited to the
        Certificate Account as provided in the Pooling and Servicing Agreement),
        the
        Custodian shall promptly release the related Custodial File to the
        Servicer.

       

      Section
        11.  Fees
        of
        Custodian.

       

      The
        Custodian shall charge such fees for its services under this Custodial Agreement
        as are set forth in Exhibit
        6
        hereto,
        the payment of which fees (with the exception of conference room fees and
        extraordinary time charges, which shall be the obligation of the party
        requesting such services), together with the Custodian’s expenses in connection
        herewith, shall be solely the obligation of the Trustee.

       

      Section
        12.  Removal
        of Custodian.

       

      The
        Trustee with or without cause, may upon at least 60 days’ notice remove and
        discharge the Custodian from the performance of its duties under this Custodial
        Agreement by written notice from the Trustee to the Custodian. Having given
        notice of such removal, the Trustee, promptly shall appoint a successor
        Custodian (which may be the Trustee or an affiliate of the Trustee) to act
        on
        behalf of the Trustee by written instrument, one original counterpart of
        which
        instrument shall be delivered to the Trustee and an original to the successor
        Custodian (with a copy delivered to the Servicer), provided that any such
        successor Custodian shall meet the criteria set forth in the following
        paragraph. In the event of any such removal, the Custodian shall promptly
        transfer to the successor Custodian, as directed, all Custodial Files being
        administered under this Custodial Agreement. In the event of any such
        appointments the Trustee shall be responsible for the fees and expenses of
        the
        existing and successor Custodian, unless the Custodian shall be removed for
        cause, in which case such fees and expenses shall be the responsibility of
        the
        removed custodian. If the Trustee removes the Custodian without cause, the
        Trustee shall be responsible for payment of all expenses incurred in the
        transmission of the Custodial Files to the successor Custodian and for all
        applicable release fees of the Custodian.

       

      Any
        successor Custodian shall at all times be a corporation or association organized
        and doing business under the laws of a 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 $5,000,000, subject to supervision or
        examination by federal or state authority and with a credit rating which
        would
        not cause either of the Rating Agencies to reduce their respective then current
        Ratings of the Certificates (or having provided such security from time to
        time
        as is sufficient to avoid such reduction) as evidenced in writing by each
        Rating
        Agency. If such corporation or 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
        12 the
        combined capital and surplus of such corporation or association 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 a successor Custodian shall cease
        to
        be eligible in accordance with the provisions of this Section 12, such successor
        Custodian shall resign immediately and be replaced as specified in the previous
        paragraph. The entity serving as successor Custodian may have normal banking
        and
        trust relationships with the Depositor and its affiliates or the Servicer
        and
        its affiliates; provided, however, that such entity cannot be an affiliate
        of
        the Seller, the Depositor or the Servicer.

       

      Section
        13.  Transfer
        of Custodial Files.

       

      Upon
        written request of the Trustee, the Custodian shall release to such Persons
        as
        the Trustee shall designate the Custodial Files relating to such Mortgage
        Loans
        as the Trustee shall request.

       

      Section
        14.  Examination
        of Custodial Files.

       

      Upon
        reasonable prior notice to the Custodian but not less than two (2) Business
        Days
        notice, the Trustee and its agents, accountants, attorneys, auditors and
        designees will be permitted during normal business hours to examine the
        Custodial Files, documents, records and other papers in the possession of
        or
        under the control of the Custodian relating to any or all of the Mortgage
        Loans.
        The Custodial Files shall be maintained at LaSalle Bank National Association,
        2571 Busse Road, Suite 200, Elk Grove Village, Illinois 60007 or at such
        other
        location as the Custodian may designate in writing to the Trustee.

       

      Section
        15.  Insurance
        of Custodian.

       

      At
        its
        own expense, the Custodian shall maintain at all times during the existence
        of
        this Custodial Agreement and keep in full force and effect such insurance
        in
        amounts, with standard coverage and subject to deductibles, all as is customary
        for insurance typically maintained by banks which act as custodian. The minimum
        coverage under any such bond and insurance policies shall be at least equal
        to
        the corresponding amounts required by FNMA in the FNMA Servicing Guide or
        by
        FHLMC in the FHLMC Company’s & Servicers’ Guide.

       

      Section
        16.  Counterparts.

       

      For
        the
        purpose of facilitating the execution of this Custodial Agreement as herein
        provided and for other purposes, this Custodial 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 and be
        one
        and the same instrument.

       

      Section
        17.  Periodic
        Statements.

       

      Within
        10
        days of each anniversary of the date of this Custodial Agreement, or upon
        the
        request of the Trustee at any other time, the Custodian shall provide to
        the
        Trustee a list of all the Mortgage Loans and file exceptions for which the
        Custodian holds a Custodial File pursuant to this Custodial Agreement and
        the
        Pooling and Servicing Agreement. Such list may be in a mutually agreeable
        electronic format.

       

      Section
        18.  Governing
        Law.

       

      THIS
        AGREEMENT SHALL BE CONSTRUED IN ACCORDANCE WITH THE LAWS OF THE STATE OF
        NEW
        YORK AND THE OBLIGATIONS, RIGHTS, AND REMEDIES OF THE PARTIES HEREUNDER SHALL
        BE
        DETERMINED IN ACCORDANCE WITH SUCH LAWS.

       

      Section
        19.  Copies
        of
        Mortgage Documents.

       

      Upon
        the
        request of the Trustee, acting solely at the direction of the Servicer or
        a
        Certificateholder, the Custodian shall provide the Trustee or the Servicer
        with
        copies of the Mortgage Notes, Mortgages, Assignments of Mortgage and other
        documents relating to one or more of the Mortgage Loans.

       

      Section
        20.  No
        Adverse Interest of Custodian.

       

      By
        execution of this Custodial Agreement, the Custodian represents and warrants
        that it currently holds, and during the existence of this Custodial Agreement
        shall hold, no interest adverse to the Trustee, by way of security or otherwise,
        in any Mortgage Loan, and hereby waives and releases any such interest which
        it
        may have in any Mortgage Loan as of the date hereof.

       

      Section
        21.  Termination
        by Custodian.

       

      The
        Custodian may terminate its obligations under this Custodial Agreement upon
        at
        least 60 days’ prior written notice to the Trustee and the Servicer. In the
        event of such termination, the Trustee shall appoint a successor Custodian
        and
        shall notify the Servicer of such appointment. The payment of such successor
        Custodian’s fees and expenses shall be solely the responsibility of the Trustee.
        Upon such appointment, the Custodian shall promptly transfer at its expense
        to
        the successor Custodian, as directed, all Custodial Files being administered
        under this Custodial Agreement.

       

      Section
        22.  Term
        of
        Agreement.

       

      Unless
        terminated pursuant to Section 12 or Section 21 hereof, this Custodial Agreement
        shall terminate upon the final payment or other liquidation (or advance with
        respect thereto) of the last Mortgage Loan or the disposition of all property
        acquired upon foreclosure or deed in lieu of foreclosure of any Mortgage
        Loan,
        and the final remittance of all funds due under the Pooling and Servicing
        Agreement. In such event all documents remaining in the Custodial Files shall
        be
        released in accordance with the written instructions of the
        Trustee.

       

      Section
        23.  Notices.

       

      All
        demands, notices and communications hereunder shall be in writing and shall
        be
        deemed to have been duly given when received by the recipient party at the
        addresses shown on the first page hereof, and in the case of the Trustee,
        to the
        attention of U.S. Bank National Association, 60 Livingston Avenue, St. Paul,
        Minnesota 55107, Attention: Corporate Trust - Structured Finance Ref: HEMT
        2006-6, and in the case of the Custodian, to the attention of LaSalle Bank
        National Association, 2571 Busse Road, Suite 200, Elk Grove Village, Illinois
        60007, Attention: Operations Manager, or at such other addresses as may
        hereafter be furnished to the other parties by like notice. Any such demand,
        notice or communication hereunder shall be deemed to have been received on
        the
        date delivered to or received at the premises of the addressee (as evidenced,
        in
        the case of registered or certified mail, by the date noted on the return
        receipt).

       

      Section
        24.  Successors
        and Assigns.

       

      The
        Custodian may assign its rights and obligations under this Agreement, in
        whole
        or in part, to any Affiliate; however, Custodian agrees to notify Trustee
        of any
        such assignment. “Affiliate” is defined as any entity that directly or
        indirectly is under common control with Custodian, or is under contract to
        be
        under common control with Custodian, and shall include a subsidiary or parent
        company of Custodian.

       

      This
        Custodial Agreement shall inure to the benefit of the successors and assigns
        of
        the parties hereto. Any person into which the Custodian may be merged or
        converted or with which the Custodian 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 to the contrary herein notwithstanding. Any assignee shall forward
        a
        list of authorized representatives to each party to this Custodial Agreement
        pursuant to Section 28 of this Custodial Agreement.

       

      Section
        25.  Liability
        of Custodian; Indemnification.

       

      Neither
        the Custodian nor any of its directors, affiliates, officers, agents, or
        employees, shall be liable for any action taken or omitted to be taken by
        it or
        them hereunder or in connection herewith in good faith and believed by it
        or
        them to be within the purview of this Custodial Agreement, except for its
        or
        their own gross negligence, lack of good faith or willful misconduct. In
        no
        event shall the Custodian or its directors, affiliates, officers, agents,
        and
        employees be held liable for any special, indirect or consequential damages
        resulting from any action taken or omitted to be taken by it or them hereunder
        or in connection herewith even if advised of the possibility of such
        damages.

       

      The
        Custodian agrees to indemnify and defend, from Custodian’s own funds, and hold
        the Depositor, DLJMC, and their respective directors, affiliates, officers,
        agents, and employees harmless against any liabilities, obligations, losses,
        damages, penalties, actions, judgments, suits, costs, expenses or disbursements,
        including reasonable attorney’s fees, that may be imposed on, incurred by, or
        asserted against it or them directly based upon the engagement of any
        Subcontractor in violation of Section 5(d) or any failure by the Custodian
        to
        deliver any information, report, certification, accountants’ letter or other
        material when and as required under this Agreement, including any report
        under
        Sections 5(b) or 5(c). The indemnification set forth in this section shall
        survive any termination of this Agreement and the termination, resignation
        or
        removal of the Custodian.

       

      Section
        26.  Reliance
        of Custodian.

       

      In
        the
        absence of gross negligence or bad faith on the part of the Custodian, the
        Custodian may conclusively rely, as to the truth of the statements and the
        correctness of the opinions expressed therein, upon any data communications,
        magnetic tape, request, instructions, certificate, opinion or other document
        furnished to the Custodian, reasonably believed by the Custodian to be genuine
        and to have been signed or presented by the proper party or parties and
        conforming to the requirements of this Custodial Agreement; but in the case
        of
        any loan document or other request, instruction, document or certificate
        which
        by any provision hereof is specifically required to be furnished to the
        Custodian, the Custodian shall be under a duty to examine the same to determine
        whether or not it conforms prima
        facie
        to the
        requirements of this Custodial Agreement.

       

      Section
        27.  Transmission
        of Custodial Files.

       

      Written
        instructions as to the method of shipment and shipper(s) the Custodian is
        directed to utilize in connection with transmission of mortgage files and
        loan
        documents in the performance of the Custodian’s duties hereunder shall be
        delivered by the related Servicer to the Custodian prior to any shipment
        of any
        mortgage files and loan documents hereunder. The Trustee will arrange for
        the
        provision of such services at the reasonable cost and expense of the Trustee
        (or, at the Custodian’s option, the Trustee shall reimburse the Custodian for
        all costs and expenses incurred by the Custodian consistent with such
        instructions). Without limiting the generality of the provisions of Section
        25
        above, it is expressly agreed that in no event shall the Custodian have any
        liability for any losses or damages to any person, including without limitation,
        the Trustee arising out of actions of the Custodian consistent with instructions
        of the Trustee.

       

      Section
        28.  Authorized
        Representatives.

       

      Each
        individual designated as an authorized representative of the Servicer (an
        “Authorized Representative”), is authorized to give and receive notices,
        requests and instructions and to deliver certificates and documents in
        connection with this Custodial Agreement on behalf of the related Servicer,
        as
        the case may be, and the specimen signature for each such Authorized
        Representative of each such Authorized Representative of the Servicer, initially
        authorized hereunder, is set forth on Exhibit
        4
        hereof.
        From time to time, the Servicer may, by delivering to the Custodian a revised
        exhibit, change the information previously given pursuant to this Section
        28,
        but each of the parties hereto shall be entitled to rely conclusively on
        the
        then current exhibit until receipt of a superseding exhibit.

       

      Section
        29.  Reproduction
        of Documents.

       

      This
        Custodial Agreement and all documents relating thereto except with respect
        to
        the Custodial File, including, without limitation, (a) consents, waivers
        and
        modifications which may hereafter be executed, and (b) certificates and other
        information previously or hereafter furnished, may be reproduced by any
        photographic, photostatic, microfilm, microcard, miniature photographic or
        other
        similar process. The parties agree that any such reproduction shall be
        admissible in evidence as the original itself in any judicial or administrative
        proceeding, whether or not the original is in existence and whether or not
        such
        reproduction was made by a party in the regular course of business, and that
        any
        enlargement, facsimile or further reproduction of such reproduction shall
        likewise be admissible in evidence.

       

      Section
        30.  Force
        Majeure.

       

      The
        Custodian shall not be responsible for delays or failures in performance
        resulting from acts beyond its control. Such acts shall include, without
        limitation, acts of God, strikes, lockouts, riots, acts of war or terrorism,
        epidemics, nationalization, expropriation, currency restrictions, governmental
        regulations adopted after the date of this Agreement, fire, communication
        line
        failures, computer viruses, power failures, earthquakes or other disasters
        of a
        similar nature to the foregoing.

       

      Section
        31.  Limitations
        on the Responsibilities of the Custodian.

       

      i.)  Except
        as
        provided herein, the Custodian shall be under no duty or obligation to inspect,
        review or examine the Custodial Files to determine that the contents thereof
        are
        appropriate for the represented purpose or that they have been actually recorded
        or that they are other than what they purport to be on their face.

       

      ii.)  The
        Custodian shall not be responsible for preparing or filing any reports or
        returns relating to federal, state or local income taxes with respect to
        this
        Agreement, other than for the Custodian’s compensation or for reimbursement of
        expenses.

       

      iii.)  The
        Custodian shall not be responsible or liable for, and makes no representation
        or
        warranty with respect to, the validity, adequacy or perfection of any lien
        upon
        or security interest in any Custodial File.

       

      iv.)  Any
        other
        provision of this Agreement to the contrary notwithstanding, the Custodian
        shall
        have no notice, and shall not be bound by any of the terms and conditions
        of any
        other document or agreement executed or delivered in connection with, or
        intended to control any part of, the transactions anticipated by or referred
        to
        in this Agreement unless the Custodian is a signatory party to that document
        or
        agreement. Notwithstanding the foregoing sentence, the Custodian shall be
        deemed
        to have notice of the terms and conditions (including without limitation
        definitions not otherwise set forth in full in this Agreement) of other
        documents and agreements executed or delivered in connection with, or intended
        to control any part of, the transactions anticipated by or referred to in
        this
        Agreement, to the extent such terms and provisions are referenced, or are
        incorporated by reference, into this Agreement only as long as the Custodian
        shall have been provided a copy of any such document or agreement.

       

      v.)  The
        duties and obligations of the Custodian shall only be such as are expressly
        set
        forth in this Agreement or as set forth in a written amendment to this Agreement
        executed by the parties hereto or their successors and assigns. In the event
        that any provision of this Agreement implies or requires that action or
        forbearance be taken by a party, but is silent as to which party has the
        duty to
        act or refrain from acting, the parties agree that the Custodian shall not
        be
        the party required to take the action or refrain from acting. In no event
        shall
        the Custodian have any responsibility to ascertain or take action except
        as
        expressly provided herein.

       

      vi.)  Nothing
        in this Agreement shall be deemed to impose on the Custodian any duty to
        qualify
        to do business in any jurisdiction, other
        than
        (i) any
        jurisdiction where any Custodial File is or may be held by the Custodian
        from
        time to time hereunder, and (ii) any jurisdiction where its ownership of
        property or conduct of business requires such qualification and where failure
        to
        qualify could have a material adverse effect on the Custodian or its property
        or
        business or on the ability of the Custodian to perform its duties
        hereunder.

       

      vii.)  The
        Custodian may consult with counsel selected by the Custodian with regard
        to
        legal questions arising out of or in connection with this Agreement, and
        the
        written opinion of such counsel shall be full and complete authorization
        and
        protection in respect of any action reasonably taken, omitted or suffered
        by the
        Custodian in good faith and in accordance therewith.

       

      viii.)  No
        provision of this Agreement shall require the Custodian to expend or risk
        its
        own funds or otherwise incur any financial liability in the performance of
        any
        of its duties hereunder or in the exercise of any of its rights and powers,
        if,
        in its sole judgment, it shall believe that repayment of such funds or adequate
        indemnity against such risk or liability is not assured to it.

       

      ix.)  The
        Custodian shall have no duty to ascertain whether or not each amount or payment
        has been received by the Trustee or any third person.

       

      Section
        32.  Binding
        Arbitration.

       

      Upon
        demand of any party hereto, whether made before or after institution of any
        judicial proceeding, any dispute, claim or controversy arising out of, connected
        with or relating to this Agreement (“Disputes”), between or among parties hereto
        shall be resolved by binding arbitration as provided herein. Institution
        of a
        judicial proceeding by a party does not waive the right of that party to
        demand
        arbitration hereunder. Disputes may include, without limitation tort claims,
        counterclaims, claims brought as class actions or claims concerning any aspect
        of the past, present or future relationships arising out of or connected
        with
        this Agreement. Arbitration shall be conducted under and governed by the
        Commercial Financial Disputes Arbitration Rules (the “Arbitration Rules”) of the
        American Arbitration Association and Title 9 of the U.S. Code. All arbitration
        hearings shall be conducted in New York, New York. The expedited procedures
        set
        forth in Rule 51, et
        seq.
        of the
        Arbitration Rules shall be applicable to claims of less than $1,000,000.
        All
        applicable statutes of limitation shall apply to any Dispute. A judgment
        upon
        the award may be entered in any court having jurisdiction. The panel from
        which
        all arbitrators are selected shall be comprised of licensed attorneys. The
        single arbitrator selected for expedited procedure shall be a retired judge
        from
        the highest court of general jurisdiction, state or federal, of the state
        where
        the hearing will be conducted.

       

      Section
        33.  Intent
        of
        the Parties; Reasonableness. 

       

      The
        parties hereto acknowledge and agree that the purpose of Sections 5(b), 5(c),
        5(d), 33, 34 and 35 is to facilitate compliance by the Depositor with the
        provisions of Regulation AB and related rules and regulations of the Commission.
        The Depositor shall not exercise its right to request delivery of information
        or
        other performance under these provisions other than in good faith, or for
        purposes other than compliance with the Securities Act, the Exchange Act
        and the
        rules and regulations of the Commission under the Securities Act and the
        Exchange Act. Each of the parties hereto acknowledges that interpretations
        of
        the requirements of Regulation AB may change overtime, whether due to
        interpretive guidance provided by the Commission or its staff, consensus
        among
        participants in the mortgage-backed securities markets, advice of counsel,
        or
        otherwise, and agrees to comply with requests made by the Depositor in good
        faith for delivery of information under these provisions on the basis of
        evolving interpretations of Regulation AB. The Custodian shall cooperate
        reasonably with the Depositor to deliver to the Depositor (including any
        of its
        assignees or designees), any and all disclosure, statements, reports,
        certifications, records and any other information necessary in the reasonable,
        good faith determination of the Depositor to permit the Depositor to comply
        with
        the provisions of Regulation AB.

      

      Section
        34.  Additional
        Representations and Warranties of the Custodian. 

       

      (a) The
        Custodian shall be deemed to represent to the Depositor as of the date hereof
        and on each date on which information is provided to the Trustee under Section
        35 that, except as disclosed in writing to the Depositor prior to such date:
        (i)
        there are no aspects of its financial condition that could have a material
        adverse effect on the performance by it of its Custodian obligations under
        this
        Custodial Agreement or any other securitization transaction as to which it
        is
        the custodian; (ii) there are no material legal or governmental proceedings
        pending (or known to be contemplated) against it; and (iii) there are no
        affiliations, relationships or transactions relating to the Custodian with
        respect to the Depositor or any sponsor, issuing entity, servicer, originator,
        significant obligor, enhancement or support provider or other material
        transaction party (as such terms are used in Regulation AB) relating to the
        securitization transaction contemplated by the Pooling and Servicing Agreement,
        as identified by the Depositor to the Custodian in writing as of the Closing
        Date (each, a “Transaction Party”).

      

      (b) If
        so
        requested by the Depositor on any date following the Closing Date, the Custodian
        shall, within five Business Days following such request, confirm in writing
        the
        accuracy of the representations and warranties set forth in paragraph (a)
        of
        this Section or, if any such representation and warranty is not accurate
        as of
        the date of such confirmation, provide reasonably adequate disclosure of
        the
        pertinent facts, in writing, to the requesting party. Any such request from
        the
        Depositor shall not be given more than once each calendar quarter, unless
        the
        Depositor shall have a reasonable basis for a determination that any of the
        representations and warranties may not be accurate.

      

      Section
        35.  Additional
        Information to Be Provided by the Custodian. 

       

      For
        so
        long as the Trust is subject to the reporting obligations under the Exchange
        Act, for the purpose of satisfying the Depositor’s reporting obligation under
        the Exchange Act with respect to any class of publicly offered Certificates,
        the
        Custodian shall (a) notify the Depositor in writing of any material litigation
        or governmental proceedings pending against the Custodian that would be material
        to Certificateholders, and (b) provide to the Depositor and Trustee a written
        description of such proceedings. Any notices and descriptions required under
        this Section 35 shall be given no later than five Business Days prior to
        the
        Determination Date following the month in which the Custodian has knowledge
        of
        the occurrence of the relevant event. As of the date the Trustee files each
        Report on Form 10-D or Form 10-K with respect to the Certificates, the Custodian
        will be deemed to represent that any information previously provided under
        this
        Section 35, if any, is materially correct and does not have any material
        omissions unless the Custodian has provided an update to such
        information.

      

       

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

       

      U.S.
        BANK
        NATIONAL ASSOCIATION,

      not
        in
        its individual capacity but solely as Trustee under the Pooling and Servicing
        Agreement for Home Equity Mortgage Pass-Through Certificates, Series
        2006-6

      

      By:_______________________________________

      Name:

      Title:

      

       

      LASALLE
        BANK NATIONAL ASSOCIATION,

      as
        Custodian

      

      

      By:_______________________________________

      Name:

      Title:

      

       

      Acknowledged
        and agreed

       

      SELECT
        PORTFOLIO SERVICING, INC.

       

      By:_______________________________________

      Name:
        

      Title:
        

       

       

       

      

       

      

       

      EXHIBIT
        1

       

      TRUST
        RECEIPT AND INITIAL CERTIFICATION

       

      December
        29, 2006

       

      U.S.
        Bank
        National Association

      as
        Trustee under the Pooling and Servicing Agreement

      Home
        Equity Mortgage Pass-Through Certificates Series 2006-6

      60
        Livingston Avenue

      St.
        Paul,
        MN 55107-2292

      Attention:
        Corporate Trust - Structured Finance Ref: HEMT 2006-6

       

      
        
          	
                	Re:	
                  Custodial
                    Agreement, dated as of December 1, 2006, between U.S. Bank National
                    Association
                    as Trustee, and LaSalle Bank National Association, as
                    Custodian

                

        

      

       

      Ladies
        and Gentlemen:

       

      In
        accordance with the provisions of Section 4 of the above referenced Custodial
        Agreement, the undersigned, as the Custodian, hereby certifies as to each
        [Initial Mortgage Loan] [Subsequent Mortgage Loan] in the Mortgage Loan Schedule
        that (i) it has received the original Mortgage Note and Assignment of Mortgage
        with respect to each Mortgage Loan identified on the Mortgage Loan Schedule
        attached hereto as Exhibit
        A
        and (ii)
        such Mortgage Note has been reviewed by it and appears regular on its face
        and
        relates to such Mortgage Loan. The Custodian makes no representations as
        to (i)
        the validity, legality, enforceability, sufficiency, due authorization or
        genuineness of any of the documents contained in each Custodial File or of
        any
        of the Mortgage Loans or (ii) the collectability, insurability, effectiveness
        or
        suitability of any such Mortgage Loan.

       

      The
        Custodian hereby confirms that it is holding each such Mortgage Note, Assignment
        of Mortgage and Assignment of Note as agent and bailee of, and custodian
        for the
        exclusive use and benefit, and subject to the sole direction, of the Trustee
        pursuant to the terms and conditions of the Custodial Agreement.

       

      This
        Trust Receipt and Initial Certification is not divisible or
        negotiable.

       

      The
        Custodian will accept and act on instructions with respect to the Mortgage
        Loans
        subject hereto upon surrender of this Trust Receipt and Initial Certification
        at
        its office at 2571 Busse Road, Suite 200, Elk Grove Village, Illinois 60007,
        Attention: Document Custodian.

       

      
        
          
          

        

        
          
          

          
            

          

        

        
          
          

        

      

      

      Capitalized
        terms used herein shall have the meaning ascribed to them in the Custodial
        Agreement.

       

      LASALLE
        BANK NATIONAL ASSOCIATION,

      as
        Custodian

      

      

      By:_______________________________________

      Name:

      Title:

      

      Date
        :

      

      EXHIBIT
        2

       

      TRUST
        RECEIPT AND FINAL CERTIFICATION

       

      Trust
        Receipt #__________

      Cut-off
        Date Principal Balance $__________

       

      U.S.
        Bank
        National Association

      as
        Trustee under the Pooling and Servicing Agreement

      Home
        Equity Mortgage Pass-Through Certificates Series 2006-6

      60
        Livingston Avenue

      St.
        Paul,
        MN 55107-2292

      Attention:
        Corporate Trust - Structured Finance Ref: HEMT 2006-6

       

      
        	 	
                Re:

              	
                Custodial
                  Agreement, dated as of December 1, 2006, between U.S. Bank National
                  Association
                  as Trustee, and LaSalle Bank National Association, as Custodian
                  

              

      

      

      Ladies
        and Gentlemen:

       

      In
        accordance with the provisions of Section 6 of the above referenced Custodial
        Agreement, the undersigned, as the Custodian, hereby certifies that as to
        each
        Mortgage Loan listed on the Mortgage Loan Schedule (other than any Mortgage
        Loan
        paid in full or any Mortgage Loan listed on the attachment hereto) it has
        reviewed the Custodial Files and has determined that (i) all documents required
        to be delivered to it pursuant to Sections 2(i)-(ix) of the Custodial Agreement
        are in its possession; (ii) such documents have been reviewed by it and appear
        regular on their face and related to such Mortgage Loan; (iii) all Assignments
        of Mortgage or intervening assignments of mortgage, as applicable, have been
        submitted for recording in the jurisdictions in which recording is necessary;
        and (iv) each Mortgage Note has been endorsed as provided in Section 2(i)
        of the
        Custodial Agreement and each Mortgage has been assigned in accordance with
        Section 2(iii) of the Custodial Agreement. The Custodian makes no
        representations as to (i) the validity, legality, enforceability, sufficiency,
        due authorization or genuineness of any of the documents contained in each
        Custodial File or of any of the Mortgage Loans or (ii) the collectability,
        insurability, effectiveness or suitability of any such Mortgage
        Loan.

       

      The
        Custodian hereby confirms that it is holding each such Custodial File as
        agent
        and bailee of, and custodian for the exclusive use and benefit, and subject
        to
        the sole direction, of Trustee pursuant to the terms and conditions of the
        Custodial Agreement.

       

      This
        Trust Receipt and Final Certification is not divisible or
        negotiable.

       

      The
        Custodian will accept and act on instructions with respect to the Mortgage
        Loans
        subject hereto upon surrender of this Trust Receipt and Final Certification
        at
        its office at 2571 Busse Road, Suite 200, Elk Grove Village, Illinois 60007,
        Attention: Document Custodian.

       

      Capitalized
        terms used herein shall have the meaning ascribed to them in the Custodial
        Agreement.

       

      
        
          
          

        

        
          
          

          
            

          

        

        
          
          

        

      

      LASALLE
        BANK NATIONAL ASSOCIATION,

      as
        Custodian

      

      

      By:_______________________________________

             
Name:

      Title:

      

      

       

      EXHIBIT
        3

       

      REQUEST
        FOR RELEASE OF DOCUMENTS AND RECEIPT

       

      To:
        [Address]

       

      

        

          
            	 	
                    Re:

                  	
                    Custodial
                      Agreement, dated as of December 1, 2006,
                      between

                  

          

          U.S.
            Bank National Association, as Trustee, and LaSalle Bank National Association,
            as
            Custodian

        

      

       

      In
        connection with the administration of the Mortgage Loans held by you as the
        Custodian on behalf of the Trustee, we request the release, and acknowledge
        receipt, of the (Custodial File/[specify documents]) for the Mortgage Loan
        described below, for the reason indicated.

       

      Mortgagor’s
        Name Address & Zip Code:

       

      Mortgage
        Loan Number:

       

      Reason
        for Requesting Documents (check
        one)

       

      ____    
         1.     Mortgage
        Loans Paid in Full. (The Trustee or the Servicer of such Mortgage Loan hereby
        certifies that all amounts received in connection therewith have been credited
        to the account of the Trustee or the Servicer.)

       

      ____   
          2.   
         Mortgage
        Loan Liquidated By ____________________________ (The Trustee or the Servicer
        of
        such Mortgage Loan hereby certifies that all proceeds of foreclosure, insurance,
        condemnation or other liquidation have been finally received and credited
        to the
        account of the Trustee or the Servicer.)

       

      ____   
          3.    
         Mortgage
        Loan in Foreclosure

       

      ____
             4.    
         Other
        (explain)

       

      If
        box 1
        or 2 above is checked, and if all or part of the Custodial File was previously
        released to us, please release to us our previous request and receipt on
        file
        with you, as well as any additional documents in your possession relating
        to the
        specified Mortgage Loan.

       

      
        
          
          

        

        
          
          

          
            

          

        

        
          
          

        

      

      If
        box 3
        or 4 above is checked, upon our return of all of the above documents to you
        as
        the Custodian, please acknowledge your receipt by signing in the space indicated
        below, and returning this form.

       

      

       

      SELECT
        PORTFOLIO SERVICING, INC.

      as
        a
        Servicer

      

      

      By:_______________________________________

      Name:

      Title:

      

      Date:

      

       

      

       

      Acknowledgment
        of Documents returned to the Custodian:

       

      LASALLE
        BANK NATIONAL ASSOCIATION,

      as
        Custodian

      

      

      By:_______________________________________

      Name:

      Title:

      

      Date:

      

       

      EXHIBIT
        4

       

      AUTHORIZED
        REPRESENTATIVES OF THE SERVICER

      

       

      SELECT
        PORTFOLIO SERVICING, INC.

       

      

      
        	
                NAME

              	 	
                SPECIMEN
                  SIGNATURE

              
	 	 	 
	 	 	 
	 	 	 
	 	 	 

      

      

      

      

      

      

       

      

      

      EXHIBIT
        5

       

      SCHEDULE
        OF MORTGAGE LOANS

       

      [ATTACHED
        AS SCHEDULE I TO THE POOLING AND SERVICING AGREEMENT]

       

      

      

      EXHIBIT
        6

      LASALLE
        BANK N.A.

      COLLATERAL
        SERVICES GROUP

      SCHEDULE
        OF FEES

      Credit
        Suisse First Boston Financial Corporation

      DLJ
        MORTGAGE CAPITAL INC.

      July
        17,
        2001

      

      
        	
                Release/Reinstatement
                  Fee

              	
                $2.50
                  per file

              
	
                This
                  fee applies to servicing releases and sales.

              
	
                Release
                  Rejection

              	
                $1.00
                  per rejection

              
	
                Internal
                  Transfer

              	
                $1.00
                  per file

              
	
                Document
                  Deposits

              	
                $1.00
                  per document/packet

              
	
                Document
                  Rejection

              	
                $1.50
                  per document/packet

              
	
                This
                  fee will apply when LaSalle is no longer in possession of the collateral
                  file because the loan has been forwarded to the investor or
                  servicer.

              
	
                Safekeeping
                  and Storage

              	
                $0.12
                  per file, per month

              
	
                Photocopies

              	
                $1.00
                  per file pull fee

                $0.25
                  per page copied

              
	
                Faxes

              	
                $1.00
                  per page + file pull fee

              
	
                Endorsements

              	
                $0.50
                  per endorsement

              
	
                Auditors/Due
                  Diligence

              	
                $1.00
                  per file pulled & re-filed

                $500
                  per day conference room

                reservation.

              
	
                Fee
                  applies only for bulk sale reviews and customer reviews. Fee does
                  not
                  apply to LaSalle’s internal audit and annual IPA
                  audit.

              

      

      

      
        	
                Miscellaneous
                  Expenses

              	
                At
                  Cost

              
	
                Miscellaneous
                  expenses include but are not limited to legal fees, postage, overnight
                  carder services, supplies etc.

              
	
                Data
                  Conversion/Formatting

              	
                $50.00
                  per hour rounded up to the

                next
                  full hour.

              

      

      

      

      LaSalle
        will provide customer with a detailed statement reflecting activity in the
        customer’ s account as of the 20th of each month. Payment for services is due
        within thirty days of receipt of invoice. Acceptable forms of payment is
        a check
        made payable to LaSalle Bank National Association or wired funds sent according
        to the instructions attached.

       

      This
        Fee
        Schedule will remain unchanged for one year from the date of execution and
        is
        subject to annual adjustments thereafter.

       

      Agreed
        and Accepted this ______day of ________, 2001.

       

      By: _________________________________________

       

      Title: _________________________________________

       

      By: _________________________________________

       

      Title: _________________________________________

       

      

      

      

      

      EXHIBIT
        7

       

      SERVICING
        CRITERIA TO BE ADDRESSED IN REPORT ON ASSESSMENT OF COMPLIANCE

      

      The
        assessment of compliance to be delivered by the Custodian shall address,
        at a
        minimum, the criteria identified as below as “Applicable Servicing
        Criteria”:

      

      
        	
                Servicing
                  Criteria 

              	
                Applicable
                  Servicing Criteria

              
	
                Reference

              	
                Criteria

              	
                 

              
	
                 

              	
                General
                  Servicing Considerations

              	
                 

              
	
                1122(d)(1)(i)

              	
                Policies
                  and procedures are instituted to monitor any performance or other
                  triggers
                  and events of default in accordance with the transaction
                  agreements.

              	 
	
                1122(d)(1)(ii)

              	
                If
                  any material servicing activities are outsourced to third parties,
                  policies and procedures are instituted to monitor the third party’s
                  performance and compliance with such servicing activities.

              	 
	
                1122(d)(1)(iii)

              	
                Any
                  requirements in the transaction agreements to maintain a back-up
                  servicer
                  for the mortgage loans are maintained.

              	 
	
                1122(d)(1)(iv)

              	
                A
                  fidelity bond and errors and omissions policy is in effect on the
                  party
                  participating in the servicing function throughout the reporting
                  period in
                  the amount of coverage required by and otherwise in accordance
                  with the
                  terms of the transaction agreements.

              	 
	
                 

              	
                Cash
                  Collection and Administration

              	 
	
                1122(d)(2)(i)

              	
                Payments
                  on mortgage loans are deposited into the appropriate custodial
                  bank
                  accounts and related bank clearing accounts no more than two business
                  days
                  following receipt, or such other number of days specified in the
                  transaction agreements.

              	 
	
                1122(d)(2)(ii)

              	
                Disbursements
                  made via wire transfer on behalf of an obligor or to an investor
                  are made
                  only by authorized personnel.

              	 
	
                1122(d)(2)(iii)

              	
                Advances
                  of funds or guarantees regarding collections, cash flows or distributions,
                  and any interest or other fees charged for such advances, are made,
                  reviewed and approved as specified in the transaction
                  agreements.

              	 
	
                1122(d)(2)(iv)

              	
                The
                  related accounts for the transaction, such as cash reserve accounts
                  or
                  accounts established as a form of overcollateralization, are separately
                  maintained (e.g., with respect to commingling of cash) as set forth
                  in the
                  transaction agreements.

              	 
	
                1122(d)(2)(v)

              	
                Each
                  custodial account is maintained at a federally insured depository
                  institution as set forth in the transaction agreements. For purposes
                  of
                  this criterion, “federally insured depository institution” with respect to
                  a foreign financial institution means a foreign financial institution
                  that
                  meets the requirements of Rule 13k-1(b)(1) of the Securities Exchange
                  Act.

              	 
	
                1122(d)(2)(vi)

              	
                Unissued
                  checks are safeguarded so as to prevent unauthorized
                  access.

              	 
	
                1122(d)(2)(vii)

              	
                Reconciliations
                  are prepared on a monthly basis for all asset-backed securities
                  related
                  bank accounts, including custodial accounts and related bank clearing
                  accounts. These reconciliations are (A) mathematically accurate;
                  (B)
                  prepared within 30 calendar days after the bank statement cutoff
                  date, or
                  such other number of days specified in the transaction agreements;
                  (C)
                  reviewed and approved by someone other than the person who prepared
                  the
                  reconciliation; and (D) contain explanations for reconciling items.
                  These
                  reconciling items are resolved within 90 calendar days of their
                  original
                  identification, or such other number of days specified in the transaction
                  agreements.

              	 
	
                 

              	
                Investor
                  Remittances and Reporting

              	 
	
                1122(d)(3)(i)

              	
                Reports
                  to investors, including those to be filed with the Commission,
                  are
                  maintained in accordance with the transaction agreements and applicable
                  Commission requirements. Specifically, such reports (A) are prepared
                  in
                  accordance with timeframes and other terms set forth in the transaction
                  agreements; (B) provide information calculated in accordance with
                  the
                  terms specified in the transaction agreements; (C) are filed with
                  the
                  Commission as required by its rules and regulations; and (D) agree
                  with
                  investors’ or the trustee’s records as to the total unpaid principal
                  balance and number of mortgage loans serviced by the
                  Servicer.

              	 
	
                1122(d)(3)(ii)

              	
                Amounts
                  due to investors are allocated and remitted in accordance with
                  timeframes,
                  distribution priority and other terms set forth in the transaction
                  agreements.

              	 
	
                1122(d)(3)(iii)

              	
                Disbursements
                  made to an investor are posted within two business days to the
                  Servicer’s
                  investor records, or such other number of days specified in the
                  transaction agreements.

              	 
	
                1122(d)(3)(iv)

              	
                Amounts
                  remitted to investors per the investor reports agree with cancelled
                  checks, or other form of payment, or custodial bank
                  statements.

              	 
	
                 

              	
                Pool
                  Asset Administration

              	 
	
                1122(d)(4)(i)

              	
                Collateral
                  or security on mortgage loans is maintained as required by the
                  transaction
                  agreements or related mortgage loan documents.

              	
                X

              
	
                1122(d)(4)(ii)

              	
                Mortgage
                  loan and related documents are safeguarded as required by the transaction
                  agreements

              	
                X

              
	
                1122(d)(4)(iii)

              	
                Any
                  additions, removals or substitutions to the asset pool are made,
                  reviewed
                  and approved in accordance with any conditions or requirements
                  in the
                  transaction agreements.

              	
                X

                (as
                  to the logistics of addition, removal or substitution of mortgage
                  loan
                  files)

              
	
                1122(d)(4)(iv)

              	
                Payments
                  on mortgage loans, including any payoffs, made in accordance with
                  the
                  related mortgage loan documents are posted to the Servicer’s obligor
                  records maintained no more than two business days after receipt,
                  or such
                  other number of days specified in the transaction agreements, and
                  allocated to principal, interest or other items (e.g., escrow)
                  in
                  accordance with the related mortgage loan documents.

              	 
	
                1122(d)(4)(v)

              	
                The
                  Servicer’s records regarding the mortgage loans agree with the Servicer’s
                  records with respect to an obligor’s unpaid principal
                  balance.

              	 
	
                1122(d)(4)(vi)

              	
                Changes
                  with respect to the terms or status of an obligor's mortgage loans
                  (e.g.,
                  loan modifications or re-agings) are made, reviewed and approved
                  by
                  authorized personnel in accordance with the transaction agreements
                  and
                  related pool asset documents.

              	 
	
                1122(d)(4)(vii)

              	
                Loss
                  mitigation or recovery actions (e.g., forbearance plans, modifications
                  and
                  deeds in lieu of foreclosure, foreclosures and repossessions, as
                  applicable) are initiated, conducted and concluded in accordance
                  with the
                  timeframes or other requirements established by the transaction
                  agreements.

              	 
	
                1122(d)(4)(viii)

              	
                Records
                  documenting collection efforts are maintained during the period
                  a mortgage
                  loan is delinquent in accordance with the transaction agreements.
                  Such
                  records are maintained on at least a monthly basis, or such other
                  period
                  specified in the transaction agreements, and describe the entity’s
                  activities in monitoring delinquent mortgage loans including, for
                  example,
                  phone calls, letters and payment rescheduling plans in cases where
                  delinquency is deemed temporary (e.g., illness or
                  unemployment).

              	 
	
                1122(d)(4)(ix)

              	
                Adjustments
                  to interest rates or rates of return for mortgage loans with variable
                  rates are computed based on the related mortgage loan
                  documents.

              	 
	
                1122(d)(4)(x)

              	
                Regarding
                  any funds held in trust for an obligor (such as escrow accounts):
                  (A) such
                  funds are analyzed, in accordance with the obligor’s mortgage loan
                  documents, on at least an annual basis, or such other period specified
                  in
                  the transaction agreements; (B) interest on such funds is paid,
                  or
                  credited, to obligors in accordance with applicable mortgage loan
                  documents and state laws; and (C) such funds are returned to the
                  obligor
                  within 30 calendar days of full repayment of the related mortgage
                  loans,
                  or such other number of days specified in the transaction
                  agreements.

              	 
	
                1122(d)(4)(xi)

              	
                Payments
                  made on behalf of an obligor (such as tax or insurance payments)
                  are made
                  on or before the related penalty or expiration dates, as indicated
                  on the
                  appropriate bills or notices for such payments, provided that such
                  support
                  has been received by the servicer at least 30 calendar days prior
                  to these
                  dates, or such other number of days specified in the transaction
                  agreements.

              	 
	
                1122(d)(4)(xii)

              	
                Any
                  late payment penalties in connection with any payment to be made
                  on behalf
                  of an obligor are paid from the servicer’s funds and not charged to the
                  obligor, unless the late payment was due to the obligor’s error or
                  omission.

              	 
	
                1122(d)(4)(xiii)

              	
                Disbursements
                  made on behalf of an obligor are posted within two business days
                  to the
                  obligor’s records maintained by the servicer, or such other number of days
                  specified in the transaction agreements.

              	 
	
                1122(d)(4)(xiv)

              	
                Delinquencies,
                  charge-offs and uncollectible accounts are recognized and recorded
                  in
                  accordance with the transaction agreements.

              	 
	
                1122(d)(4)(xv)

              	
                Any
                  external enhancement or other support, identified in Item 1114(a)(1)
                  through (3) or Item 1115 of Regulation AB, is maintained as set
                  forth in
                  the transaction agreements.

              	 
	
                 

              	
                 

              	
                 

              

      

      

      

      

      
        
          
          

        

        
          
          

          
            

          

        

        
          
          

        

      

      

      

      EXHIBIT
        R-2

      [RESERVED]

      

      EXHIBIT
        R-3

      

      [RESERVED]

      

      EXHIBIT
        S

       

      [RESERVED]

       

      

       

      

       

      EXHIBIT
        T

       

      [RESERVED]

       

      

       

      EXHIBIT
        U

       

      CHARGED
        OFF LOAN DATA REPORT

       

      (Available
        Upon Request)

       

       

      EXHIBIT
        V

       

      FORM
        OF
        MONTHLY STATEMENT TO CERTIFICATEHOLDERS

       

      (i) with
        respect to each Class of Certificates which are not Notional Amount Certificates
        and, unless otherwise stated, the related Distribution Date,

       

      a. the
        initial Class Principal Balance of such Class as of the Closing
        Date;

       

      b. the
        Class
        Principal Balance of such Class before giving effect to the distribution
        of
        principal and interest;

       

      c. the
        amount of the related distribution on such Class allocable to
        interest;

       

      d. the
        amount of the related distribution on such Class allocable to
        principal;

       

      e. the
        sum
        of the principal and interest payable to such Class;

       

      f. the
        Realized Loss allocable to such Class;

       

      g. the
        Carryforward Interest allocable to such Class;

       

      h. the
        Class
        Principal Balance of such Class after giving effect to the distribution of
        principal and interest;

       

      i. the
        Pass-Through Rate for such Class and whether such Pass-Through Rate was limited
        by the Net Funds Cap;

       

      j. [reserved];

       

      k. any
        shortfall in principal allocable to such Class, if such amount is greater
        than
        zero; and

       

      l. any
        shortfall in interest allocable to such Class, if such amount is greater
        than
        zero.

       

      (ii) with
        respect to each Class of Certificates which are Notional Amount Certificates
        and, unless otherwise stated, the related Distribution Date,

       

      a. the
        Notional Amount of such Class as of the Cut-off Date;

       

      b. the
        Notional Amount of such Class before giving effect to the distribution of
        interest;

       

      c. the
        amount of the related distribution on such Class allocable to
        interest;

       

      d. the
        amount of the related distribution on such Class allocable to
        principal;

       

      e. the
        sum
        of the principal and interest payable to such class;

       

      f. the
        Realized Loss allocable to such Class;

       

      g. the
        Deferred Amount allocable to such Class;

       

      h. the
        Notional Amount of such Class after giving effect to the distribution of
        interest;

       

      i. the
        Pass-Through Rate for such Class; and

       

      j. [reserved].

       

      (iii) with
        respect to a $1000 factor of the Initial Class Principal Balance of each
        Class
        of Certificates which are not Notional Amount Certificates and the related
        Distribution Date,

       

      a. the
        CUSIP
        number assigned to such Class;

       

      b. the
        Class
        Principal Balance of such Class factor prior to giving effect to the
        distribution of principal and interest;

       

      c. the
        amount of the related distribution allocable to interest on such Class
        factor;

       

      d. the
        amount of the related distribution allocable to principal on such Class
        factor;

       

      e. the
        sum
        of the principal and interest payable to such Class factor; and

       

      f. the
        Class
        Principal Balance of such Class factor after giving effect to the distribution
        of principal and interest.

       

      (iv) with
        respect to a $1000 factor of the Initial Class Principal Balance of each
        Class
        of Certificates which are Notional Amount Certificates and the related
        Distribution Date,

       

      a. the
        CUSIP
        number assigned to such Class;

       

      b. the
        Notional Amount of such Class factor prior to giving effect to the distribution
        of interest;

       

      c. the
        amount of the related distribution allocable to interest on such Class
        factor;

       

      d. the
        amount of the related distribution allocable to principal on such Class
        factor;

       

      e. the
        sum
        of the principal and interest payable to such Class factor; and

       

      f. the
        Notional Amount of such Class factor after giving effect to the distribution
        of
        interest.

       

      (v) with
        respect to the related Distribution Date,

       

      a. the
        Principal Payment Amount or Principal Remittance Amount;

       

      b. the
        amount of Curtailments;

       

      c. the
        amount of Curtailment interest adjustments;

       

      d. the
        Scheduled Payment of principal;

       

      e. the
        amount of Principal Prepayments;

       

      f. the
        amount of principal as a result of repurchased Mortgage Loans;

       

      g. the
        Substitution Adjustment Amount;

       

      h. the
        aggregate amount of scheduled interest prior to reduction for fees;

       

      i. the
        amount of Net Recoveries;

       

      j. the
        amount of reimbursements of Nonrecoverable Advances previously
        made;

       

      k. the
        amount of recovery of reimbursements previously deemed
        nonrecoverable;

       

      l. the
        amount of net Liquidation Proceeds;

       

      m. the
        amount of Insurance Proceeds;

       

      n. the
        amount of any other distributions allocable to principal;

       

      o. the
        number of Mortgage Loans as of the first day of the related Collection
        Period;

       

      p. the
        aggregate Stated Principal Balance of the Mortgage Loans as of the first
        day of
        the related Collection Period;

       

      q. the
        number of Mortgage Loans as of the last day of the related Collection
        Period;

       

      r. the
        aggregate Stated Principal Balance of the Mortgage Loans as of the last day
        of
        the related Collection Period;

       

      s. the
        sum
        of the Servicing Fee, the Excess Servicing Fee, the Credit Risk Manager Fee
        and
        the Trustee Fee and the Expense Fee, with an identification of each payee
        and
        the general purpose of such fees;

       

      t. the
        amount of current Advances (including the general purpose of such
        Advances);

       

      u. the
        amount of outstanding Advances and the general source of funds for
        reimbursements;

       

      v. the
        number and aggregate principal amounts of Mortgage Loans Delinquent (1) 30
        to 59
        days, (2) 60 to 89 days and (3) 90 days or more, including Delinquent bankrupt
        Mortgage Loans but excluding Mortgage Loans in foreclosure and REO
        Property;

       

      w. the
        number and aggregate principal amounts of Mortgage Loans that are currently
        in
        bankruptcy, but not Delinquent;

       

      x. the
        number and aggregate principal amounts of Mortgage Loans that are in
        foreclosure;

       

      y. the
        Delinquency Rate, Rolling Three Month Delinquency Rate, the Senior Enhancement
        Percentage and whether a Trigger Event is in effect ;

       

      z. the
        number and aggregate principal amount of any REO Properties as of the close
        of
        business on the Determination Date preceding such Distribution
        Date;

       

      aa. current
        Realized Losses;

       

      bb. Cumulative
        Net Realized Losses and whether a Cumulative Loss Event is
        occurring;

       

      cc. the
        weighted average term to maturity of the Mortgage Loans as of the close of
        business on the last day of the calendar month preceding the related
        Distribution Date;

       

      dd. the
        number of Mortgage Loans that have Prepayment Penalties and for which
        prepayments were made during the related Collection Period, as
        applicable;

       

      ee. the
        aggregate principal balance of Mortgage Loans that have Prepayment Penalties
        and
        for which prepayments were made during the related Collection Period, as
        applicable;

       

      ff. the
        aggregate amount of Prepayment Penalties collected during the related Collection
        Period, as applicable;

       

      gg. the
        total
        cashflows received and the general sources thereof;

       

      hh. the
        amount of any funds remaining in the Pre-Funding Account as of such Distribution
        Date;

       

      ii. the
        weighted average Net Mortgage Rate and each Net Funds Cap;

       

      jj. the
        Net
        Excess Spread; and

       

      kk. the
        applicable Record Dates, Interest Accrual Periods, Determination Date for
        calculating distributions and the actual Distribution Date.

       

      (vi) with
        respect to the related Distribution Date,

       

      a. the
        Targeted Overcollateralization Amount;

       

      b. the
        Overcollateralization Amount;

       

      c. the
        amount, if any, by which the Targeted Overcollateralization Amount exceeds
        the
        Overcollateralization Amount;

       

      d. the
        Overcollateralization Release Amount;

       

      e. the
        Monthly Excess Interest and the Monthly Excess Cashflow;

       

      f. the
        amount of any payment to the Class X-1 Certificates;

       

      g. the
        amount of any Net Swap Payment payable by the Supplemental Interest Trust
        Trustee on behalf of the Supplemental Interest Trust or payable to the
        Supplemental Interest Trust Trustee on behalf of the Supplemental Interest
        Trust; and

       

      h. the
        Realized Loss Percentage.

       

      

       

      

       

      EXHIBIT
        W

       

      FORM
        OF
        DEPOSITOR CERTIFICATION

       

      
        	
                Re:

              	
                Credit
                  Suisse First Boston Mortgage Securities Corp.

                Home
                  Equity Mortgage Trust
                  2006-6

              

      

       

      I,
        __________________________, certify that:

       

      1. I
        have
        reviewed this report on Form 10-K and all reports on Form 10-D required to
        be
        filed in respect of the period covered by this report on Form 10-K of Home
        Equity Mortgage Trust 2006-6 (the “Trust”);

       

      2. Based
        on
        my knowledge, the Exchange Act periodic reports, taken as a whole, do 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 with respect to the period covered
        by
        this report;

       

      3. Based
        on
        my knowledge, all of the distribution, servicing and other information required
        to be provided under Form 10-D for the period covered by this report is included
        in the Exchange Act periodic reports;

       

      4. Based
        on
        my knowledge and the servicer compliance statements required in this report
        under Item 1123 of Regulation AB, and except as disclosed in the Exchange
        Act
        periodic reports, the Servicer has fulfilled its obligations under the Pooling
        and Servicing Agreement in all material respects ; and

       

      5. All
        of
        the reports on assessment of compliance with servicing criteria for asset-backed
        securities and their related attestation reports on assessment of compliance
        with servicing criteria for asset-backed securities required to be included
        in
        this report in accordance with Item 1122 of Regulation AB and Exchange Act
        Rules
        13a-18 and 15d-18 have been included as an exhibit to this report, except
        as
        otherwise disclosed in this report. Any material instances of noncompliance
        described in such reports have been disclosed in this report on Form
        10-K.

       

      In
        giving
        the certifications above, I have reasonably relied on information provided
        to me
        by the following unaffiliated parties: the Servicer and the
        Trustee.

       

      Capitalized
        terms used but not defined herein have the meanings ascribed to them in the
        Pooling and Servicing Agreement, dated December 1, 2006 (the “Pooling and
        Servicing Agreement”), among Credit Suisse First Boston Mortgage Securities
        Corp., as depositor (the “Depositor”), DLJ Mortgage Capital, Inc., as seller,
        Select Portfolio Servicing, Inc. as servicer (the “Servicer”) and U.S. Bank
        National Association, as trustee (the “Trustee”).

       

      
        	 	 
	 	
                [Name]

              
	 	
                [Title]

              
	 	
                [Date]

              

      

      

      

      EXHIBIT
        X

       

      FORM
        OF
        TRUSTEE CERTIFICATION

       

      
        	
                Re:

              	
                Credit
                  Suisse First Boston Mortgage Securities Corp.

                Home
                  Equity Mortgage Trust
                  2006-6

              

      

       

      U.S.
        Bank
        National Association (the “Trustee”) hereby certifies to Credit Suisse First
        Boston Mortgage Securities Corp. (the “Depositor”), and each Person, if any, who
“controls” the Depositor within the meaning of the Securities Act of 1933, as
        amended, and its officers, directors and affiliates, and with the knowledge
        and
        intent that they will rely upon this certification, that:

       

      The
        Trustee has reviewed the annual report on Form 10-K for the fiscal year [___],
        and all reports on Form 10-K containing Monthly Statements filed in respect
        of
        periods included in the year covered by that annual report, of the Depositor
        relating to the above-referenced trust;

       

      Subject
        to paragraph 4 hereof, based on the Trustee's knowledge, and assuming the
        accuracy and completeness of the information supplied to the Trustee by each
        Servicer, the Distribution Information in the Monthly Statements contained
        in
        such reports on Form 10-D, taken as a whole, does not contain any untrue
        statement of a material fact or omit to state a material fact required by
        the
        Pooling and Servicing Agreement to be included therein and necessary to make
        the
        statements made, in light of the circumstances under which such statements
        were
        made, not misleading as of the last day of the period covered by that annual
        report; and

       

      Based
        on
        the Trustee’s knowledge, the Distribution Information required to be provided by
        the Trustee under the Pooling and Servicing Agreement is included in these
        reports.

       

      4. In
        compiling the Distribution Information and making the foregoing certifications,
        the Trustee has relied upon information furnished to it by the Servicer under
        the Pooling and Servicing Agreement. The Trustee shall have no responsibility
        or
        liability for any inaccuracy in such reports on Form 10-D to the extent such
        inaccuracy results from information received from the Servicer.

       

      For
        purposes of this Certificate, the following terms shall have the meanings
        ascribed below:

       

      “Distribution
        Information” shall mean that information (x) calculated and reported by the
        Trustee and (y) reported by the Trustee, in either case, pursuant to Section
        4.06 of the Pooling and Servicing Agreement.

       

      “Monthly
        Statements” shall mean the monthly statements prepared by the Trustee pursuant
        to Section 4.06 of the Pooling and Servicing Agreement.

       

      Any
        additional capitalized terms used but not defined herein have the meanings
        ascribed to them in the Pooling and Servicing Agreement, dated December 1,
        2006
        (the “Pooling and Servicing Agreement”), among Credit Suisse First Boston
        Mortgage Securities Corp., as depositor (the “Depositor”), DLJ Mortgage Capital,
        Inc., as seller, Select Portfolio Servicing, Inc. as servicer (the “Servicer”)
        and U.S. Bank National Association, as trustee (the “Trustee”).

       

      
        	 	
                U.S.
                  BANK NATIONAL ASSOCIATION

                as
                  Trustee

              
	 	
                By:

              	 
	 	
                [Name]

              
	 	
                [Title]

              
	 	
                [Date]

              

      

      

      

      

      

      EXHIBIT
        Y

       

      FORM
        SERVICER CERTIFICATION

       

      
        	
                Re:

              	
                Credit
                  Suisse First Boston Mortgage Securities Corp.

                Home
                  Equity Mortgage Trust
                  2006-6

              

      

       

      I,
        ___________________________, a duly elected and acting officer of
        [__________________] (the “Servicer”), certify pursuant to Section 8.12(c) of
        the Pooling and Servicing Agreement to the Depositor, the Trustee and each
        Person, if any, who “controls” the Depositor or the Trustee within the meaning
        of the Securities Act of 1933, as amended, and their respective officers
        and
        directors, with respect to the calendar year immediately preceding the date
        of
        this Certificate (the “Relevant Year”), as follows”:

       

      For
        purposes of this Certificate, “ Relevant Information” means the information in
        the certificate provided pursuant to Section 3.16 of the Pooling and Servicing
        Agreement (the “Annual Statement of Compliance”) and the assessment provided
        pursuant to Section 3.17 of the Pooling and Servicing Agreement (the “Assessment
        of Compliance”) for the Relevant Year and the information in all servicing
        reports required pursuant to the Pooling and Servicing Agreement to be provided
        by the Servicer to the Trustee during the Relevant Year (as such information
        is
        amended or corrected in writing and delivered to the Trustee). Based on my
        knowledge, the Relevant Information, taken as a whole, does not contain any
        untrue statement of a material fact or omit to state a material fact required
        to
        be stated therein which is necessary to make the statements made therein,
        in
        light of the circumstances under which such statements were made, not misleading
        as of the last day of the Relevant Year;

       

      The
        Relevant Information required to be provided to the Trustee under the Pooling
        and Servicing Agreement has been provided to the Trustee;

       

      I
        am
        responsible for reviewing the activities performed by the Servicer under
        the
        Pooling and Servicing Agreement during the Relevant Year. Based upon the
        review
        required under the Pooling and Servicing Agreement and my knowledge and except
        as disclosed in the Annual Statement of Compliance or the accountants’
attestation provided pursuant to Section 3.17 of the Pooling and Servicing
        Agreement, the Servicer has fulfilled its obligations under the Pooling and
        Servicing Agreement in all material respects throughout the Relevant
        Year.

       

      
        
          
          

        

        
          
          

          
            

          

        

        
          
          

        

      

      Capitalized
        terms used but not defined herein have the meanings ascribed to them in the
        Pooling and Servicing Agreement, dated December 1, 2006 (the “Pooling and
        Servicing Agreement”), among Credit Suisse First Boston Mortgage Securities
        Corp., as depositor (the “Depositor”), DLJ Mortgage Capital, Inc., as seller,
        Select Portfolio Servicing, Inc. as servicer (the “Servicer”) and U.S. Bank
        National Association as trustee (the “Trustee”).

       

      [_____________________________],

      as
        Servicer

       

      By:
        ____________________________

      [Name]

      [Title]

      

      EXHIBIT
        Z

       

      INFORMATION
        TO BE PROVIDED BY SERVICER TO TRUSTEE

       

      The
        following information with respect to each Mortgage Loan will be e-mailed
        by the
        Servicer to the Trustee in accordance with Section 4.10:

       

      
        	
                FIELD

              	
                DESCRIPTION

              
	
                LOAN

              	
                loan
                  number

              
	
                STOP_ADV_FLAG

              	
                stop
                  advance flag (Y = Yes, blank or N = No)

              
	
                RATE

              	
                interest
                  rate (entered as a %)

              
	
                SF_RATE

              	
                servicing
                  fee rate (entered as a %)

              
	
                LPMI_RATE

              	
                lpmi
                  rate (entered as a %)

              
	
                BEG_SCHED

              	
                beg
                  scheduled balance

              
	
                END_SCHED

              	
                end
                  scheduled balance

              
	
                END_ACT

              	
                end
                  actual balance

              
	
                P&I

              	
                monthly
                  p&i

              
	
                GROSS_INT

              	
                gross
                  scheduled interest

              
	
                NEG_AM

              	
                negative
                  amortization

              
	
                SCHED_P

              	
                scheduled
                  principal

              
	
                CURTAIL

              	
                curtailments

              
	
                PREPAY

              	
                prepayments
                  or liquidation principal

              
	
                PREPAY_DATE

              	
                prepayment
                  or liquidation date

              
	
                PREPAY_CODE

              	
                PIF=60,
                  repurchase = 65, liquidation = 2

              
	
                NEXT_DUE

              	
                borrower's
                  next payment due

              
	
                STATUS

              	
                Bankruptcy,
                  Foreclosure, REO

              
	
                BKCY_DATE

              	
                date
                  the loan went into Bkcy

              
	
                FCLS_DATE

              	
                date
                  the loan went into Fcls

              
	
                REO_DATE

              	
                date
                  the loan went into REO

              
	
                DELINQ

              	
                0,1,30,60,90,120
                  ( 1 = 1-29, 30 = 30-59, etc...)

              
	
                PPIS

              	
                prepayment
                  interest shortfall (negative is excess)

              
	
                RAIS

              	
                relief
                  act interest shortfall

              
	
                CURRLTV

              	
                current
                  loan to value ratio (entered as %)

              
	
                BOOK_VALUE

              	
                latest
                  BPO or market value or other book value as defined in governing
                  doc

              
	
                PPP_Collected

              	
                PPPs
                  collected from borrower

              
	
                PPP_Waived

              	
                PPPs
                  waived by the servicer

              
	
                PPP_Servicer

              	
                PPPs
                  waived but paid by the servicer

              
	
                NON_REC_ADV

              	
                nonrecoverable
                  advances claimed (reimbursed) in the current period

              
	
                REIN_STOP_GINT

              	
                reinstated
                  stop advance gross interest

              
	
                REIN_STOP_NINT

              	
                reinstated
                  stop advance net interest

              
	
                REMIT

              	
                total
                  remit for the loan

              
	
                MAT_DATE

              	
                Maturity
                  Date

              
	
                ADV_P&I_CUR

              	
                current
                  period delinquent P&I advances made by servicer

              
	
                ADV_P&I_OUT

              	
                cumulative
                  outstanding delinquent P&I advances

              
	
                ADV_SERV_MADE

              	
                current
                  period servicer advances made by servicer (not including delinquent
                  P&I advances)

              
	
                ADV_SERV_REIM

              	
                current
                  period servicer advances reimbursed to servicer (not including
                  delinquent
                  P&I advances)

              
	
                ADV_SERV_DESC

              	
                description
                  of current period servicer advances made/reimbursed by servicer
                  (purpose,
                  terms)

              
	
                MOD_EXT_WAIVE_FLAG

              	
                Y
                  if mod

              
	
                MOD_EXT_WAIVE

              	
                description
                  of modification, extensions or waivers to asset terms, fees or
                  penalties

              
	
                MTHROLL

              	
                Month
                  until the next rate adjustment occurs (for ARMs only)

              
	
                DNEXTRATE

              	
                Next
                  Rate Adjustment Date

              
	
                NEXT_RATE

              	
                next
                  period's interest rate

              
	
                LIQUIDATION_FLAG

              	
                liquidation
                  flag (Y = Yes, blank or N = No)

              
	
                GROSS_PROCEEDS

              	
                gross
                  sales proceeds

              
	
                SERV_ADV

              	
                unpaid
                  servicing advances

              
	
                DEL_ADV

              	
                unpaid
                  delinquency advances

              
	
                SERV_FEES_UNPAID

              	
                unpaid
                  servicing fees

              
	
                LEGAL_FEES

              	
                unpaid
                  legal fees

              
	
                NET_PROCEEDS

              	
                net
                  proceeds (gross_proceeds - serv_adv - del_adv - serv_fees_unpaid
                  -
                  legal_fees)

              
	
                LOSS

              	
                loss
                  (beg_sched - net_proceeds)

              
	
                LOSS_ADD

              	
                trailing
                  loss/ (gain)

              
	
                LOSS_ADD_DATE

              	
                trailing
                  loss/ (gain) date

              

      

      

      

      

      

      EXHIBIT
        AA

       

      FORM
        OF
        LIMITED POWER OF ATTORNEY

       

      LIMITED
        POWER OF ATTORNEY

       

      KNOW
        ALL
        MEN BY THESE PRESENTS, that U.S. Bank National Association, a banking
        association organized under the laws of the United States, having a place
        of
        business at 60 Livingston Avenue, St. Paul, MN 55107, as Trustee (and in
        no
        personal or other representative capacity) under the Pooling and Servicing
        Agreement, dated as of December 1, 2006 (as amended, restated, supplemented
        or
        otherwise modified from time to time, the “Agreement”; capitalized terms not
        defined herein have the definitions assigned to such terms in the Agreement),
        relating to the Home Equity Mortgage Pass-Through Certificates, Series 2006-6,
        hereby appoints [_______________], in its capacity as the Servicer under
        the
        Agreement, as the Trustee's true and lawful Special Attorney-in-Fact, in
        the
        Trustee's name, place and stead and for the Trustee's benefit, but only in
        its
        capacity as Trustee aforesaid, to perform all acts and execute all documents
        as
        may be customary, necessary and appropriate to effectuate the following
        enumerated transactions in respect of any mortgage, deed of trust, promissory
        note or real estate owned from time to time owned (beneficially or in title,
        whether the Trustee is named therein as mortgagee or beneficiary or has become
        mortgagee or beneficiary by virtue of endorsement, assignment or other
        conveyance) or held by or registered to the Trustee (directly or through
        custodians or nominees), or in respect of which the Trustee has a security
        interest or other lien, all as provided under the applicable Agreement and
        only
        to the extent the respective Trustee has an interest therein under the
        Agreement, and in respect of which the Servicer is acting as servicer pursuant
        to the Agreement (the “Mortgage Documents”).

       

      This
        appointment shall apply to the following enumerated transactions under the
        Agreement only:

       

      The
        modification or re-recording of any Mortgage Document for the purpose of
        correcting it to conform to the original intent of the parties thereto or
        to
        correct title errors discovered after title insurance was issued and where
        such
        modification or re-recording does not adversely affect the lien under the
        Mortgage Document as insured.

       

      The
        subordination of the lien under a Mortgage Document to an easement in favor
        of a
        public utility company or a state or federal agency or unit with powers of
        eminent domain including, without limitation, the execution of partial
        satisfactions/releases, partial reconveyances and the execution of requests
        to
        trustees to acc omplish same.

       

      The
        conveyance of the properties subject to a Mortgage Document to the applicable
        mortgage insurer, or the closing of the title to the property to be acquired
        as
        real estate so owned, or conveyance of title to real estate so
        owned.

       

      The
        completion of loan assumption and modification agreements in respect of Mortgage
        Documents.

       

      The
        full
        or partial satisfaction/release of a Mortgage Document or full conveyance
        upon
        payment and discharge of all sums secured thereby, including, without
        limitation, cancellation of the related note.

       

      The
        assignment of any Mortgage Document, in connection with the repurchase of
        the
        mortgage loan secured and evidenced thereby.

       

      The
        full
        assignment of a Mortgage Document upon payment and discharge of all sums
        secured
        thereby in conjunction with the refinancing thereof, including, without
        limitation, the assignment of the related note.

       

      With
        respect to a Mortgage Document, the foreclosure, the taking of a deed in
        lieu of
        foreclosure, or the completion of judicial or non-judicial foreclosure or
        termination, cancellation or rescission of any such foreclosure, including,
        without limitation, any and all of the following acts:

       

      the
        substitution of trustee(s) serving under a deed of trust, in accordance with
        state law and the deed of trust;

       

      the
        preparation and issuance of statements of breach or
        non-performance;

       

      the
        preparation and filing of notices of default and/or notices of
        sale;

       

      the
        cancellation/rescission of notices of default and/or notices of
        sale;

       

      the
        taking of a deed in lieu of foreclosure; and

       

      the
        preparation and execution of such other documents and performance of such
        other
        actions as may be necessary under the terms of the Mortgage Document or state
        law to expeditiously complete said transactions in paragraphs 8(a) through
        8(e),
        above.

       

      Demand,
        sue for, recover, collection and receive each and every sum of money, debt,
        account and interest (which now is, or hereafter shall become due and payable)
        belonging to or claimed by the Trustee under the Mortgage Documents, and
        to use
        or take any lawful means for recovery thereof by legal process or
        otherwise.

       

      Endorse
        on behalf of the Trustee all checks, drafts and/or negotiable instruments
        made
        payable to the Trustee in respect of the Mortgage Documents.

       

      The
        Trustee gives the Special Attorney-in-Fact full power and authority to execute
        such instruments and to do and perform all and every act and thing necessary
        and
        proper to carry into effect the power or powers granted by this Limited Power
        of
        Attorney, subject to the terms and conditions set forth in the Agreement
        including the standard of care applicable to Servicer in the Agreement, and
        hereby does ratify and confirm what such Special Attorney-in-Fact shall lawfully
        do or cause to be done by authority hereof.

       

      IN
        WITNESS WHEREOF, the Trustee has caused its corporate name and seal to be
        hereto
        signed and affixed and these presents to be acknowledged by its duly elected
        and
        authorized officer this ___ day of ___ , 200_.

       

      
        	 	
                U.S.
                  BANK NATIONAL ASSOCIATION, as Trustee

              
	 	 	 
	 	
                By:

              	 
	 	
                Name:

              	 
	 	
                Title:

              	 

      

      

      

      
        	
                WITNESS:

              	
                WITNESS:

              
	
                _______________________________

              	
                _______________________________

              
	
                Name:

              	
                Name:

              
	
                Title:

              	
                Title:

              

      

      

       

      
         

        
          	
                  STATE
                    OF____________

                	
                  )

                	 
	 	
                  )

                	
                  ss.:

                
	
                  COUNTY
                    OF__________

                	
                  )

                	 

        

        
 

      

      On
        ______________, 200_, before me, the undersigned, a Notary Public in and
        for
        said state, personally appeared __________________, personally known to me
        to be
        the person whose name is subscribed to the within instrument and to be a
        duly
        authorized and acting Senior Vice President of U.S. Bank National Association,
        and such person acknowledged to me that such person executed the within
        instrument in such person's authorized capacity as a Senior Vice President
        of
        U.S. Bank National Association, and that by such signature on the within
        instrument the entity upon behalf of which such person acted executed the
        instrument.

       

      WITNESS
        my hand and official seal.

       

      
        	 	 
	 	
                Notary
                  Public

              

      

      

      

      

      EXHIBIT
        BB

       

      [Reserved]

       

       

      
 

      \

      
        	 	 CREDIT
                SUISSE
                INTERNATIONAL
	 	 One Cabot Square,	 Telephone 020 7888 8888
	 	 London E14 4QJ	 www.credit-suisse.com

      

       

      EXHIBIT
        CC

       

      Form
        of
        ISDA MASTER Agreement

       

      

         

        (Multicurrency—Cross
          Border)

         

         

        ISDAÒ

        International
          Swap Dealers Association, Inc.

         

        MASTER
          AGREEMENT

         

        dated
          as
          of December 29, 2006

         

        

        
          	
                  Credit
                    Suisse International

                	
                   

                   

                  and

                	
                  U.S.
                    Bank National Association, 

                  not
                    individually, but solely as trustee on behalf of the Supplemental
                    Interest
                    Trust created under the Pooling and Servicing Agreement for
                    

                  HOME
                    EQUITY MORTGAGE TRUST SERIES 2006-6, Home Equity Mortgage Pass-Through
                    Certificates, Series 2006-6

                
	
                  _______________________________________

                  ("Party
                    A")

                	 	
                  _________________________________________

                  ("Party
                    B")

                

        

        

        

        

         

        have
          entered and/or anticipate entering into one or more transactions (each
          a
“Transaction”) that are or will

         

        be
          governed by this Master Agreement, which includes the schedule (the “Schedule”),
          and the documents

         

        and
          other
          confirming evidence (each a “Confirmation”) exchanged between the parties
          confirming those Transactions.

         

        Accordingly,
          the parties agree as follows:—

         

        1.  Interpretation

         

        (a)  Definitions.
          The
          terms defined in Section 14 and in the Schedule will have the meanings
          therein
          specified for the purpose of this Master Agreement.

         

        (b)  Inconsistency.
          In the
          event of any inconsistency between the provisions of the Schedule and the
          other
          provisions of this Master Agreement, the Schedule will prevail. In the
          event of
          any inconsistency between the provisions of any Confirmation and this Master
          Agreement (including the Schedule), such Confirmation will prevail for
          the
          purpose of the relevant Transaction.

         

        (c)  Single
          Agreement.
          All
          Transactions are entered into in reliance on the fact that this Master
          Agreement
          and all Confirmations form a single agreement between the parties (collectively
          referred to as this
          “Agreement”), and the parties would not otherwise enter into any
          Transactions.

         

        2.  Obligations

         

        (a)  General
          Conditions.

         

        (i)  Each
          party will make each payment or delivery specified in each Confirmation
          to be
          made by it, subject to the other provisions
          of this
          Agreement.

         

        (ii)  Payments
          under this Agreement will be made on the due date for value on that date
          in the
          place of
          the
          account specified in the relevant Confirmation or otherwise pursuant to
          this
          Agreement, in freely transferable funds and in the manner customary for
          payments
          in the required currency. Where
          settlement is by delivery (that is, other than by payment), such delivery
          will
          be made for
          receipt
          on the due date in the manner customary for the relevant obligation unless
          otherwise specified in the relevant Confirmation or elsewhere in this
          Agreement.

         

        (iii)  Each
          obligation of each party under Section 2(a)(i) is subject to (1) the condition
          precedent that
          no
          Event of Default or Potential Event of Default with respect to the other
          party
          has occurred and
          is
          continuing, (2) the condition precedent that no Early Termination Date
          in
          respect of the relevant Transaction has occurred or been effectively designated
          and (3) each other applicable condition precedent specified in this
          Agreement.

        (b)  Change
          of Account.
          Either
          party may change its account for receiving a payment or delivery by giving
          notice to the other party at least five Local Business Days prior to the
          scheduled date for the payment or delivery to which such change applies
          unless
          such other party gives timely notice of a reasonable objection to such
          change.

         

        (c)  Netting.
          If on
          any date amounts would otherwise be payable:—

         

        (i)  in
          the
          same currency; and

         

        (ii)  in
          respect of the same Transaction,

         

        by
          each
          party to the other, then, on such date, each party’s obligation to make payment
          of any such amount will be automatically satisfied and discharged and,
          if the
          aggregate amount that would otherwise have been payable by one party exceeds
          the
          aggregate amount that would otherwise have been payable by the other party,
          replaced by an obligation upon the party by whom the larger aggregate amount
          would have been payable to pay to the other party the excess of the larger
          aggregate amount over the smaller aggregate amount.

         

        The
          parties may elect in respect of two or more Transactions that a net amount
          will
          be determined in respect of all amounts payable on the same date in the
          same
          currency in respect of such Transactions, regardless of whether such amounts
          are
          payable in respect of the same Transaction. The election may be made in
          the
          Schedule or a Confirmation by specifying that subparagraph (ii) above will
          not
          apply to the Transactions identified as being subject to the election,
          together
          with the starting date (in which case subparagraph (ii) above will not,
          or will
          cease to, apply to such Transactions from such date). This election may
          be made
          separately for different groups of Transactions and will apply separately
          to
          each pairing of Offices through which the parties make and receive payments
          or
          deliveries.

         

        (d)  Deduction
          or Withholding for Tax.

         

        (i)  Gross-Up.
          All
          payments under this Agreement will be made without any deduction or withholding
          for or on account of any Tax unless such deduction or withholding is required
          by
          any applicable law, as modified by the practice of any relevant governmental
          revenue authority, then in effect. If a party is so required to deduct
          or
          withhold, then that party (“X”) will:—

         

        (1)  promptly
          notify the other party (“Y”) of such requirement;

         

        (2)  pay
          to
          the relevant authorities the full amount required to be deducted or withheld
          (including the full amount required to be deducted or withheld from any
          additional amount paid by X to Y under this Section 2(d)) promptly upon the
          earlier of determining that such deduction or withholding is required or
          receiving notice that such amount has been assessed against Y;

         

        (3)  promptly
          forward to Y an official receipt (or a certified copy), or other documentation
          reasonably acceptable to Y, evidencing such payment to such authorities;
          and

         

        (4)  if
          such
          Tax is an Indemnifiable Tax, pay to Y, in addition to the payment to which
          Y is
otherwise
          entitled under this Agreement, such additional amount as is necessary to
          ensure that
          the
          net
          amount actually received by Y (free and clear of Indemnifiable Taxes, whether
          assessed against X or Y) will equal the full amount Y would have received
          had no
          such deduction or withholding been required. However, X will not be required
          to
          pay any additional amount to Y to
          the
          extent that it would not be required to be paid but for:—

         

        (A)  the
          failure by Y to comply with or perform any agreement contained in

         

        Section
          4(a)(i), 4(a)(iii) or 4(d); or

         

        (B)  the
          failure of a representation made by Y pursuant to Section 3(f) to be accurate
          and true unless such failure would not have occurred but for (I) any action
          taken by a taxing authority, or brought in a court of competent jurisdiction,
          on
          or after the date on which a Transaction is entered into (regardless of
          whether
          such action is taken or brought with respect to a party to this Agreement)
          or
          (II) a Change in Tax Law.

         

        (ii)  Liability.
          If:—

         

        (1)  X
          is
          required by any applicable law, as modified by the practice of any relevant
          governmental revenue authority, to make any deduction or withholding in
          respect
          of which X would not be required to pay an additional amount to Y under
          Section
          2(d)(i)(4);

         

        (2)  X
          does
          not so deduct or withhold; and

         

        (3)  a
          liability resulting from such Tax is assessed directly against X,

         

        then,
          except to the extent Y has satisfied or then satisfies the liability resulting
          from such Tax, Y will promptly pay to X the amount of such liability (including
          any related liability for interest, but including any related liability
          for
          penalties only if Y has failed to comply with or perform any agreement
          contained
          in Section 4(a)(i), 4(a)(iii) or 4(d)).

         

        (e)  Default
          Interest; Other Amounts.
          Prior
          to the occurrence or effective designation of an Early Termination Date
          in
          respect of the relevant Transaction, a party that defaults in the performance
          of
          any payment obligation will, to the extent permitted by law and subject
          to
          Section 6(c), be required to pay interest (before as well as after judgment)
          on
          the overdue amount to the other party on demand in the same currency as
          such
          overdue amount, for the period from (and including) the original due date
          for
          payment to (but excluding) the date of actual payment, at the Default Rate.
          Such
          interest will be calculated on the basis of daily compounding and the actual
          number of days elapsed. If, prior to the occurrence or effective designation
          of
          an Early Termination Date in respect of the relevant Transaction, a party
          defaults in the performance of any obligation required to be settled by
          delivery, it will compensate the other party on demand if and to the extent
          provided for in the relevant Confirmation or elsewhere in this
          Agreement.

         

        3.  Representations

         

        Each
          party represents to the other party (which representations will be deemed
          to be
          repeated by each party on each date on which a Transaction is entered into
          and,
          in the case of the representations in Section 3(f), at all times until
          the
          termination of this Agreement) that:—

         

        (a)  Basic
          Representations.

         

        (i)  Status.
          It is
          duly organised and validly existing under the laws of the jurisdiction
          of its
          organisation or incorporation and, if relevant under such laws, in good
          standing;

         

        (ii)  Powers.
          It has
          the power to execute this Agreement and any other documentation relating
          to this
          Agreement to which it is a party, to deliver this Agreement and any other
          documentation relating to this Agreement that it is required by this Agreement
          to deliver and to perform its obligations under this Agreement and any
          obligations it has under any Credit Support Document to which it is a party
          and
          has taken all necessary action to authorise such execution, delivery and
          performance;

         

        (iii)  No
          Violation or Conflict.
          Such
          execution, delivery and performance do not violate or conflict with any
          law
          applicable to it, any provision of its constitutional documents, any order
          or
          judgment of any court or other agency of government applicable to it or
          any of
          its assets or any contractual restriction binding on or affecting it or
          any of
          its assets;

         

        (iv)  Consents.
          All
          governmental and other consents that are required to have been obtained
          by it
          with respect to this Agreement or any Credit Support Document to which
          it is a
          party have been obtained and are in full force and effect and all conditions
          of
          any such consents have been complied with; and

         

        (v)  Obligations
          Binding.
          Its
          obligations under this Agreement and any Credit Support Document to which
          it is
          a party constitute its legal, valid and binding obligations, enforceable
          in
          accordance with their respective terms (subject to applicable bankruptcy,
          reorganisation, insolvency, moratorium or similar laws affecting creditors’
rights generally and subject, as to enforceability, to equitable principles
          of
          general application (regardless of whether enforcement is sought in a proceeding
          in equity or at law)).

         

        (b)  Absence
          of Certain Events.
          No
          Event of Default or Potential Event of Default or, to its knowledge, Termination
          Event with respect to it has occurred and is continuing and no such event
          or
          circumstance would occur as a result of its entering into or performing
          its
          obligations under this Agreement or any Credit Support Document to which
          it is a
          party.

         

        (c)  Absence
          of Litigation.
          There
          is not pending or, to its knowledge, threatened against it or any of its
          Affiliates any action, suit or proceeding at law or in equity or before
          any
          court, tribunal, governmental body, agency or official or any arbitrator
          that is
          likely to affect the legality, validity or enforceability against it of
          this
          Agreement or any Credit Support Document to which it is a party or its
          ability
          to perform its obligations under this Agreement or such Credit Support
          Document.

         

        (d)  Accuracy
          of Specified Information.
          All
          applicable information that is furnished in writing by or on behalf of
          it to the
          other party and is identified for the purpose of this Section 3(d) in the
          Schedule is, as of the date of the information, true, accurate and complete
          in
          every material respect.

         

        (e)  Payer
          Tax Representation.
          Each
          representation specified in the Schedule as being made by it for the purpose
          of
          this Section 3(e) is accurate and true.

         

        (f)  Payee
          Tax Representations.
          Each
          representation specified in the Schedule as being made by it for the purpose
          of
          this Section 3(f) is accurate and true.

         

        4.  Agreements

         

        Each
          party agrees with the other that, so long as either party has or may have
          any
          obligation under this Agreement or under any Credit Support Document to
          which it
          is a party:—

         

        (a)  Furnish
          Specified Information.
          It will
          deliver to the other party or, in certain cases under subparagraph (iii)
          below,
          to such government or taxing authority as the other party reasonably
          directs:

         

        (i)  any
          forms, documents or certificates relating to taxation specified in the
          Schedule
          or any Confirmation;

         

        (ii)  any
          other
          documents specified in the Schedule or any Confirmation; and

         

        (iii)  upon
          reasonable demand by such other party, any form or document that may be
          required
          or reasonably requested in writing in order to allow such other party or
          its
          Credit Support Provider to make a payment under this Agreement or any applicable
          Credit Support Document without any deduction or withholding for or on
          account
          of any Tax or with such deduction or withholding at a reduced rate (so
          long as
          the completion, execution or submission of such form or document would
          not
          materially prejudice the legal or commercial position of the party in receipt
          of
          such demand), with any such form or document to be accurate and completed
          in a
          manner reasonably satisfactory to such other party and to be executed and
          to be
          delivered with any reasonably required certification,

         

        in
          each
          case by the date specified in the Schedule or such Confirmation or, if
          none is
          specified, as soon as reasonably practicable.

         

        (b)  Maintain
          Authorisations.
          It will
          use all reasonable efforts to maintain in full force and effect all consents
          of
          any governmental or other authority that are required to be obtained by
          it with
          respect to this Agreement or any Credit Support Document to which it is
          a party
          and will use all reasonable efforts to obtain any that may become necessary
          in
          the future.

         

        (c)  Comply
          with Laws.
          It will
          comply in all material respects with all applicable laws and orders to
          which it
          may be subject if failure so to comply would materially impair its ability
          to
          perform its obligations under this Agreement or any Credit Support Document
          to
          which it is a party.

         

        (d)  Tax
          Agreement.
          It will
          give notice of any failure of a representation made by it under Section
          3(f) to
          be accurate and true promptly upon learning of such failure.

         

        (e)  Payment
          of Stamp Tax.
          Subject
          to Section 11, it will pay any Stamp Tax levied or imposed upon it or in
          respect
          of its execution or performance of this Agreement by a jurisdiction in
          which it
          is incorporated, organised, managed and controlled, or considered to have
          its
          seat, or in which a branch or office through which it is acting for the
          purpose
          of this Agreement is located (“Stamp Tax Jurisdiction”) and will indemnify the
          other party against any Stamp Tax levied or imposed upon the other party
          or in
          respect of the other party’s execution or performance of this Agreement by any
          such Stamp Tax Jurisdiction which is not also a Stamp Tax Jurisdiction
          with
          respect to the other party.

         

        5.  Events
          of Default and Termination Events

         

        (a)  Events
          of Default.
          The
          occurrence at any time with respect to a party or, if applicable, any Credit
          Support Provider of such party or any Specified Entity of such party of
          any of
          the following events constitutes an event of default (an “Event of Default”)
          with respect to such party:—

         

        (i)  Failure
          to Pay or Deliver.
          Failure
          by the party to make, when due, any payment under this Agreement or delivery
          under Section 2(a)(i) or 2(e) required to be made by it if such failure
          is not
          remedied on or before the third Local Business Day after notice of such
          failure
          is given to the party;

         

        (ii)  Breach
          of Agreement.
          Failure
          by the party to comply with or perform any agreement or obligation (other
          than
          an obligation to make any payment under this Agreement or delivery under
          Section
          2(a)(i) or 2(e) or to give notice of a Termination Event or any agreement
          or
          obligation under Section 4(a)(i), 4(a)(iii) or 4(d)) to be complied with
          or
          performed by the party in accordance with this Agreement if such failure
          is not
          remedied on or before the thirtieth day after notice of such failure is
          given to
          the party;

         

        (iii)  Credit
          Support Default.

         

        (1)  Failure
          by the party or any Credit Support Provider of such party to comply with
          or
          perform any agreement or obligation to be complied with or performed by
          it in
          accordance with any Credit Support Document if such failure is continuing
          after
          any applicable grace period has elapsed;

         

        (2)  the
          expiration or termination of such Credit Support Document or the failing
          or
          ceasing of such Credit Support Document to be in full force and effect
          for the
          purpose of this Agreement (in either case other than in accordance with
          its
          terms) prior to the satisfaction of all obligations of such party under
          each
          Transaction to which such Credit Support Document relates without the written
          consent of the other party; or

         

        (3)  the
          party
          or such Credit Support Provider disaffirms, disclaims, repudiates or rejects,
          in
          whole or in part, or challenges the validity of, such Credit Support
          Document;

         

        (iv)  Misrepresentation.
          A
          representation (other than a representation under Section 3(e) or (f))
          made or
          repeated or deemed to have been made or repeated by the party or any Credit
          Support Provider of such party in this Agreement or any Credit Support
          Document
          proves to have been incorrect or misleading in any material respect when
          made or
          repeated or deemed to have been made or repeated;

         

        (v)  Default
          under Specified Transaction.
          The
          party, any Credit Support Provider of such party or any applicable Specified
          Entity of such party (1) defaults under a Specified Transaction and, after
          giving effect to any applicable notice requirement or grace period, there
          occurs
          a liquidation of, an acceleration of obligations under, or an early termination
          of, that Specified Transaction, (2) defaults, after giving effect to any
          applicable notice requirement or grace period, in making any payment or
          delivery
          due on the last payment, delivery or exchange date of, or any payment on
          early
          termination of, a Specified Transaction (or such default continues for
          at least
          three Local Business Days if there is no applicable notice requirement
          or grace
          period) or (3) disaffirms, disclaims, repudiates or rejects, in whole or
          in
          part, a Specified Transaction (or such action is taken by any person or
          entity
          appointed or empowered to operate it or act on its behalf);

         

        (vi)  Cross
          Default.
          If
“Cross Default” is specified in the Schedule as applying to the party, the
          occurrence or existence of (1) a default, event of default or other similar
          condition or event (however described)
          in respect of such party, any Credit Support Provider of such party or
          any
          applicable Specified Entity of such party under one or more agreements
          or
          instruments relating to Specified Indebtedness of any of them (individually
          or
          collectively) in an aggregate amount of not less than the applicable Threshold
          Amount (as specified in the Schedule) which has resulted in such Specified
          Indebtedness becoming, or becoming capable at such time of being declared,
          due
          and payable under such agreements or instruments, before it would otherwise
          have
          been due and payable or (2) a default by such party, such Credit Support
          Provider or such Specified Entity (individually or collectively) in making
          one
          or more payments on the due date thereof in an aggregate amount of not
          less than
          the applicable Threshold Amount under such agreements or instruments (after
          giving effect to any applicable notice requirement or grace
          period);

         

        (vii)  Bankruptcy.
          The
          party, any Credit Support Provider of such party or any applicable Specified
          Entity of such party:—

         

        (1)  is
          dissolved (other than pursuant to a consolidation, amalgamation or merger);
          (2)
          becomes insolvent or is unable to pay its debts or fails or admits in writing
          its inability generally to pay its debts as they become due; (3) makes
          a general
          assignment, arrangement or composition with or for the benefit of its creditors;
          (4) institutes or has instituted against it a proceeding seeking a judgment
          of
          insolvency or bankruptcy or any other relief under any bankruptcy or insolvency
          law or other similar law affecting creditors’ rights, or a petition is presented
          for its winding-up or liquidation, and, in the case of any such proceeding
          or
          petition instituted or presented against it, such proceeding or petition
          (A)
          results in a judgment of insolvency or bankruptcy or the entry of an order
          for
          relief or the making of an order for its winding-up or liquidation or (B)
          is not
          dismissed, discharged, stayed or restrained in each case within 30 days
          of the
          institution or presentation thereof; (5) has a resolution passed for its
          winding-up, official management or liquidation (other than pursuant to
          a
          consolidation, amalgamation or merger); (6) seeks or becomes subject to
          the
          appointment of an administrator, provisional liquidator, conservator, receiver,
          trustee, custodian or other similar official for it or for all or substantially
          all its assets; (7) has a secured party take possession of all or substantially
          all its assets or has a distress, execution, attachment, sequestration
          or other
          legal process levied, enforced or sued on or against all or substantially
          all
          its assets and such secured party maintains possession, or any such process
          is
          not dismissed, discharged, stayed or restrained, in each case within 30
          days
          thereafter; (8) causes or is subject to any event with respect to it which,
          under the applicable laws of any jurisdiction, has an analogous effect
          to any of
          the events specified in clauses (1) to (7) (inclusive); or (9) takes any
          action
          in furtherance of, or indicating its consent to, approval of, or acquiescence
          in, any of the foregoing acts; or

         

        (viii)  Merger
          Without Assumption.
          The
          party or any Credit Support Provider of such party consolidates or amalgamates
          with, or merges with or into, or transfers all or substantially all its
          assets
          to, another entity and, at the time of such consolidation, amalgamation,
          merger
          or transfer:—

         

        (1)  the
          resulting, surviving or transferee entity fails to assume all the obligations
          of
          such party or such Credit Support Provider under this Agreement or any
          Credit
          Support Document to which it or its predecessor was a party by operation
          of law
          or pursuant to an agreement reasonably satisfactory to the other party
          to this
          Agreement; or

         

        (2)  the
          benefits of any Credit Support Document fail to extend (without the consent
          of
          the other party) to the performance by such resulting, surviving or transferee
          entity of its obligations under this Agreement.

         

        (b)  Termination
          Events.
          The
          occurrence at any time with respect to a party or, if applicable, any Credit
          Support Provider of such party or any Specified Entity of such party of
          any
          event specified below constitutes an Illegality if the event is specified
          in (i)
          below, a Tax Event if the event is specified in (ii) below or a Tax Event
          Upon
          Merger if the event is specified in (iii) below, and, if specified to be
          applicable, a Credit Event Upon
          Merger if the event is specified pursuant to (iv) below or an Additional
          Termination Event if the event is specified pursuant to (v) below:—

         

        (i)  Illegality.
          Due to
          the adoption of, or any change in, any applicable law after the date on
          which a
          Transaction is entered into, or due to the promulgation of, or any change
          in,
          the interpretation by any court, tribunal or regulatory authority with
          competent
          jurisdiction of any applicable law after such date, it becomes unlawful
          (other
          than as a result of a breach by the party of Section 4(b)) for such party
          (which
          will be the Affected Party):—

         

        (1)  to
          perform any absolute or contingent obligation to make a payment or delivery
          or
          to receive a payment or delivery in respect of such Transaction or to comply
          with any other material provision of this Agreement relating to such
          Transaction; or

         

        (2)  to
          perform, or for any Credit Support Provider of such party to perform, any
          contingent or other obligation which the party (or such Credit Support
          Provider)
          has under any Credit Support Document relating to such Transaction;

         

        (ii)  Tax
          Event.
          Due to
          (x) any action taken by a taxing authority, or brought in a court of competent
          jurisdiction, on or after the date on which a Transaction is entered into
          (regardless of whether such action is taken or brought with respect to
          a party
          to this Agreement) or (y) a Change in Tax Law, the party (which will be
          the
          Affected Party) will, or there is a substantial likelihood that it will,
          on the
          next succeeding Scheduled Payment Date (1) be required to pay to the other
          party
          an additional amount in respect of an Indemnifiable Tax under Section 2(d)(i)(4)
          (except in respect of interest under Section 2(e), 6(d)(ii) or 6(e)) or
          (2)
          receive a payment from which an amount is required to be deducted or withheld
          for or on account of a Tax (except in respect of interest under Section
          2(e),
          6(d)(ii) or 6(e)) and no additional amount is required to be paid in respect
          of
          such Tax under Section 2(d)(i)(4) (other than by reason of Section 2(d)(i)(4)(A)
          or (B));

         

        (iii)  Tax
          Event Upon Merger.
          The
          party (the “Burdened Party”) on the next succeeding Scheduled Payment Date will
          either (1) be required to pay an additional amount in respect of an
          Indemnifiable Tax under Section 2(d)(i)(4) (except in respect of interest
          under
          Section 2(e), 6(d)(ii) or 6(e)) or (2) receive a payment from which an
          amount
          has been deducted or withheld for or on account of any Indemnifiable Tax
          in
          respect of which the other party is not required to pay an additional amount
          (other than by reason of Section 2(d)(i)(4)(A) or (B)), in either case
          as a
          result of a party consolidating or amalgamating with, or merging with or
          into,
          or transferring all or substantially all its assets to, another entity
          (which
          will be the Affected Party) where such action does not constitute an event
          described in Section 5(a)(viii);

         

        (iv)  Credit
          Event Upon Merger.
          If
“Credit Event Upon Merger” is specified in the Schedule as applying to the
          party, such party (“X”), any Credit Support Provider of X or any applicable
          Specified Entity of X consolidates or amalgamates with, or merges with
          or into,
          or transfers all or substantially all its assets to, another entity and
          such
          action does not constitute an event described in Section 5(a)(viii) but
          the
          creditworthiness of the resulting, surviving or transferee entity is materially
          weaker than that of X, such Credit Support Provider or such Specified Entity,
          as
          the case may be, immediately prior to such action (and, in such event,
          X or its
          successor or transferee, as appropriate, will be the Affected Party);
          or

         

        (v)  Additional
          Termination Event.
          If any
“Additional Termination Event” is specified in the Schedule or any Confirmation
          as applying, the occurrence of such event (and, in such event, the Affected
          Party or Affected Parties shall be as specified for such Additional Termination
          Event in the Schedule or such Confirmation).

         

        (c)  Event
          of Default and Illegality.
          If an
          event or circumstance which would otherwise constitute or give rise to
          an Event
          of Default also constitutes an Illegality, it will be treated as an Illegality
          and will not constitute an Event of Default.

         

        6.  Early
          Termination

         

        (a)  Right
          to Terminate Following Event of Default.
          If at
          any time an Event of Default with respect to a party (the “Defaulting Party”)
          has occurred and is then continuing, the other party (the “Non-defaulting
          Party”) may, by not more than 20 days notice to the Defaulting Party specifying
          the relevant Event of Default, designate a day not earlier than the day
          such
          notice is effective as an Early Termination Date in respect of all outstanding
          Transactions. If, however, “Automatic Early Termination” is specified in the
          Schedule as applying to a party, then an Early Termination Date in respect
          of
          all outstanding Transactions will occur immediately upon the occurrence
          with
          respect to such party of an Event of Default specified in Section 5(a)(vii)(1),
          (3), (5), (6) or, to the extent analogous thereto, (8), and as of the time
          immediately preceding the institution of the relevant proceeding or the
          presentation of the relevant petition upon the occurrence with respect
          to such
          party of an Event of Default specified in Section 5(a)(vii)(4) or, to the
          extent
          analogous thereto, (8).

         

        (b)  Right
          to Terminate Following Termination Event.

         

        (i)  Notice.
          If a
          Termination Event occurs, an Affected Party will, promptly upon becoming
          aware
          of it, notify the other party, specifying the nature of that Termination
          Event
          and each Affected Transaction and will also give such other information
          about
          that Termination Event as the other party may reasonably require.

         

        (ii)  Transfer
          to Avoid Termination Event.
          If
          either an Illegality under Section 5(b)(i)(1) or a Tax Event occurs and
          there is
          only one Affected Party, or if a Tax Event Upon Merger occurs and the Burdened
          Party is the Affected Party, the Affected Party will, as a condition to
          its
          right to designate an Early Termination Date under Section 6(b)(iv), use
          all
          reasonable efforts (which will not require such party to incur a loss,
          excluding
          immaterial, incidental expenses) to transfer within 20 days after it gives
          notice under Section 6(b)(i) all its rights and obligations under this
          Agreement
          in respect of the Affected Transactions to another of its Offices or Affiliates
          so that such Termination Event ceases to exist.

         

        If
          the
          Affected Party is not able to make such a transfer it will give notice
          to the
          other party to that effect within such 20 day period, whereupon the other
          party
          may effect such a transfer within 30 days after the notice is given under
          Section 6(b)(i).

         

        Any
          such
          transfer by a party under this Section 6(b)(ii) will be subject to and
          conditional upon the prior written consent of the other party, which consent
          will not be withheld if such other party’s policies in effect at such time would
          permit it to enter into transactions with the transferee on the terms
          proposed.

         

        (iii)  Two
          Affected Parties.
          If an
          Illegality under Section 5(b)(i)(1) or a Tax Event occurs and there are
          two
          Affected Parties, each party will use all reasonable efforts to reach agreement
          within 30 days after notice thereof is given under Section 6(b)(i) on action
          to
          avoid that Termination Event.

         

        (iv)  Right
          to Terminate.
          If:—

         

        (1)  a
          transfer under Section 6(b)(ii) or an agreement under Section 6(b)(iii), as
          the case may be, has not been effected with respect to all Affected Transactions
          within 30 days after an Affected Party gives notice under Section 6(b)(i);
          or

         

        (2)  an
          Illegality under Section 5(b)(i)(2), a Credit Event Upon Merger or an Additional
          Termination Event occurs, or a Tax Event Upon Merger occurs and the Burdened
          Party is not the Affected Party,

         

        either
          party in the case of an Illegality, the Burdened Party in the case of a
          Tax
          Event Upon Merger, any Affected Party in the case of a Tax Event or an
          Additional Termination Event if there is more than one Affected Party,
          or the
          party which is not the Affected Party in the case of a Credit Event Upon
          Merger
          or an Additional Termination Event if there is only one Affected Party
          may, by
          not more
          than
          20 days notice to the other party and provided that the relevant Termination
          Event is then continuing,
          designate a day not earlier than the day such notice is effective as an
          Early
          Termination Date in respect of all Affected Transactions.

         

        (c)  Effect
          of Designation.

         

        (i)  If
          notice
          designating an Early Termination Date is given under Section 6(a) or (b),
          the Early Termination Date will occur on the date so designated, whether
          or not
          the relevant Event of Default or Termination Event is then
          continuing.

         

        (ii)  Upon
          the
          occurrence or effective designation of an Early Termination Date, no further
          payments or deliveries under Section 2(a)(i) or 2(e) in respect of the
          Terminated Transactions will be required to be made, but without prejudice
          to
          the other provisions of this Agreement. The amount, if any, payable in
          respect
          of an Early Termination Date shall be determined pursuant to Section
          6(e).

         

        (d)  Calculations.

         

        (i)  Statement.
          On or
          as soon as reasonably practicable following the occurrence of an Early
          Termination Date, each party will make the calculations on its part, if
          any,
          contemplated by Section 6(e) and will provide to the other party a statement
          (1)
          showing, in reasonable detail, such calculations (including all relevant
          quotations and specifying any amount payable under Section 6(e)) and (2)
          giving
          details of the relevant account to which any amount payable to it is to
          be paid.
          In the absence of written confirmation from the source of a quotation obtained
          in determining a Market Quotation, the records of the party obtaining such
          quotation will be conclusive evidence of the existence and accuracy of
          such
          quotation.

         

        (ii)  Payment
          Date.
          An
          amount calculated as being due in respect of any Early Termination Date
          under
          Section 6(e) will be payable on the day that notice of the amount payable
          is
          effective (in the case of an Early Termination Date which is designated
          or
          occurs as a result of an Event of Default) and on the day which is two
          Local
          Business Days after the day on which notice of the amount payable is effective
          (in the case of an Early Termination Date which is designated as a result
          of a
          Termination Event). Such amount will be paid together with (to the extent
          permitted under applicable law) interest thereon (before as well as after
          judgment) in the Termination Currency, from (and including) the relevant
          Early
          Termination Date to (but excluding) the date such amount is paid, at the
          Applicable Rate. Such interest will be calculated on the basis of daily
          compounding and the actual number of days elapsed.

         

        (e)  Payments
          on Early Termination.
          If an
          Early Termination Date occurs, the following provisions shall apply based
          on the
          parties’ election in the Schedule of a payment measure, either “Market
          Quotation” or “Loss”, and a payment method, either the “First Method” or the
“Second Method”. If the parties fail to designate a payment measure or payment
          method in the Schedule, it will be deemed that “Market Quotation” or the “Second
          Method”, as the case may be, shall apply. The amount, if any, payable in respect
          of an Early Termination Date and determined pursuant to this Section will
          be
          subject to any Set-off.

         

        (i)  Events
          of Default.
          If the
          Early Termination Date results from an Event of Default:—

         

        (1)  First
          Method and Market Quotation.
          If the
          First Method and Market Quotation apply, the Defaulting Party will pay
          to the
          Non-defaulting Party the excess, if a positive number, of (A) the sum of
          the
          Settlement Amount (determined by the Non-defaulting Party) in respect of
          the
          Terminated Transactions and the Termination Currency Equivalent of the
          Unpaid
          Amounts owing to the Non-defaulting Party over (B) the Termination Currency
          Equivalent of the Unpaid Amounts owing to the Defaulting Party.

         

        (2)  First
          Method and Loss.
          If the
          First Method and Loss apply, the Defaulting Party will pay to the Non-defaulting
          Party, if a positive number, the Non-defaulting Party’s Loss in respect of this
          Agreement.

         

        (3)  Second
          Method and Market Quotation.
          If the
          Second Method and Market Quotation apply, an amount will be payable equal
          to (A)
          the sum of the Settlement Amount (determined by
          the
Non-defaulting
          Party) in respect of the Terminated Transactions and the Termination Currency
          Equivalent of the Unpaid Amounts owing to the Non-defaulting Party less
          (B) the
          Termination Currency Equivalent of the Unpaid Amounts owing to the Defaulting
          Party. If that amount is a positive number, the Defaulting Party will pay
          it to
          the Non-defaulting Party; if it is a negative number, the Non-defaulting
          Party
          will pay the absolute value of that amount to the Defaulting Party.

         

        (4)  Second
          Method and Loss.
          If the
          Second Method and Loss apply, an amount will be payable equal to the
          Non-defaulting Party’s Loss in respect of this Agreement. If that amount is a
          positive number, the Defaulting Party will pay it to the Non-defaulting
          Party;
          if it is a negative number, the Non-defaulting Party will pay the absolute
          value
          of that amount to the Defaulting Party.

         

        (ii)  Termination
          Events.
          If the
          Early Termination Date results from a Termination Event:—

         

        (1)  One
          Affected Party.
          If
          there is one Affected Party, the amount payable will be determined in accordance
          with Section 6(e)(i)(3), if Market Quotation applies, or Section 6(e)(i)(4),
          if
          Loss applies, except that, in either case, references to the Defaulting
          Party
          and to the Non-defaulting Party will be deemed to be references to the
          Affected
          Party and the party which is not the Affected Party, respectively, and,
          if Loss
          applies and fewer than all the Transactions are being terminated, Loss
          shall be
          calculated in respect of all Terminated Transactions.

         

        (2)  Two
          Affected Parties.
          If
          there are two Affected Parties:—

         

        (A)  if
          Market
          Quotation applies, each party will determine a Settlement Amount in respect
          of
          the Terminated Transactions, and an amount will be payable equal to (I)
          the sum
          of (a) one-half of the difference between the Settlement Amount of the
          party
          with the higher Settlement Amount (“X”) and the Settlement Amount of the party
          with the lower Settlement Amount (“Y”) and (b) the Termination Currency
          Equivalent of the Unpaid Amounts owing to X less (II) the Termination Currency
          Equivalent of the Unpaid Amounts owing to Y; and

         

        (B)  if
          Loss
          applies, each party will determine its Loss in respect of this Agreement
          (or, if
          fewer than all the Transactions are being terminated, in respect of all
          Terminated Transactions) and an amount will be payable equal to one-half
          of the
          difference between the Loss of the party with the higher Loss (“X”) and the Loss
          of the party with the lower Loss (“Y”).

         

        If
          the
          amount payable is a positive number, Y will pay it to X; if it is a negative
          number, X will pay the absolute value of that amount to Y.

         

        (iii)  Adjustment
          for Bankruptcy.
          In
          circumstances where an Early Termination Date occurs because “Automatic Early
          Termination” applies in respect of a party, the amount determined under this
          Section 6(e) will be subject to such adjustments as are appropriate and
          permitted by law to reflect any payments or deliveries made by one party
          to the
          other under this Agreement (and retained by such other party) during the
          period
          from the relevant Early Termination Date to the date for payment determined
          under Section 6(d)(ii).

         

        (iv)  Pre-Estimate.
          The
          parties agree that if Market Quotation applies an amount recoverable under
          this
          Section 6(e) is a reasonable pre-estimate of loss and not a penalty. Such
          amount
          is payable for the loss of bargain and the loss of protection against future
          risks and except as otherwise provided in this Agreement neither party
          will be
          entitled to recover any additional damages as a consequence of such
          losses.

         

        7.  Transfer

         

        Subject
          to Section 6(b)(ii), neither this Agreement nor any interest or obligation
          in or
          under this Agreement may be transferred (whether by way of security or
          otherwise) by either party without the prior written consent of the other
          party,
          except that:—

         

        (a)  a
          party
          may make such a transfer of this Agreement pursuant to a consolidation
          or
          amalgamation with, or merger with or into, or transfer of all or substantially
          all its assets to, another entity (but without prejudice to any other right
          or
          remedy under this Agreement); and

         

        (b)  a
          party
          may make such a transfer of all or any part of its interest in any amount
          payable to it from a Defaulting Party under Section 6(e).

         

        Any
          purported transfer that is not in compliance with this Section will be
          void.

         

        8.  Contractual
          Currency

         

        (a)  Payment
          in the Contractual Currency.
          Each
          payment under this Agreement will be made in the relevant currency specified
          in
          this Agreement for that payment (the “Contractual Currency”). To the extent
          permitted by applicable law, any obligation to make payments under this
          Agreement in the Contractual Currency will not be discharged or satisfied
          by any
          tender in any currency other than the Contractual Currency, except to the
          extent
          such tender results in the actual receipt by the party to which payment
          is owed,
          acting in a reasonable manner and in good faith in converting the currency
          so
          tendered into the Contractual Currency, of the full amount in the Contractual
          Currency of all amounts payable in respect of this Agreement. If for any
          reason
          the amount in the Contractual Currency so received falls short of the amount
          in
          the Contractual Currency payable in respect of this Agreement, the party
          required to make the payment will, to the extent permitted by applicable
          law,
          immediately pay such additional amount in the Contractual Currency as may
          be
          necessary to compensate for the shortfall. If for any reason the amount
          in the
          Contractual Currency so received exceeds the amount in the Contractual
          Currency
          payable in respect of this Agreement, the party receiving the payment will
          refund promptly the amount of such excess.

         

        (b)  Judgments.
          To the
          extent permitted by applicable law, if any judgment or order expressed
          in a
          currency other than the Contractual Currency is rendered (i) for the payment
          of
          any amount owing in respect of this Agreement, (ii) for the payment of
          any
          amount relating to any early termination in respect of this Agreement or
          (iii)
          in respect of a judgment or order of another court for the payment of any
          amount
          described in (i) or (ii) above, the party seeking recovery, after recovery
          in
          full of the aggregate amount to which such party is entitled pursuant to
          the
          judgment or order, will be entitled to receive immediately from the other
          party
          the amount of any shortfall of the Contractual Currency received by such
          party
          as a consequence of sums paid in such other currency and will refund promptly
          to
          the other party any excess of the Contractual Currency received by such
          party as
          a consequence of sums paid in such other currency if such shortfall or
          such
          excess arises or results from any variation between the rate of exchange
          at
          which the Contractual Currency is converted into the currency of the judgment
          or
          order for the purposes of such judgment or order and the rate of exchange
          at
          which such party is able, acting in a reasonable manner and in good faith
          in
          converting the currency received into the Contractual Currency, to purchase
          the
          Contractual Currency with the amount of the currency of the judgment or
          order
          actually received by such party. The term “rate of exchange” includes, without
          limitation, any premiums and costs of exchange payable in connection with
          the
          purchase of or conversion into the Contractual Currency.

         

        (c)  Separate
          Indemnities.
          To the
          extent permitted by applicable law, these indemnities constitute separate
          and
          independent obligations from the other obligations in this Agreement, will
          be
          enforceable as separate and independent causes of action, will apply
          notwithstanding any indulgence granted by the party to which any payment
          is owed
          and will not be affected by judgment being obtained or claim or proof being
          made
          for any other sums payable in respect of this Agreement.

         

        (d)  Evidence
          of Loss.
          For the
          purpose of this Section 8, it will be sufficient for a party to demonstrate
          that
          it would have suffered a loss had an actual exchange or purchase been
          made.

         

        9.  Miscellaneous

         

        (a)  Entire
          Agreement.
          This
          Agreement constitutes the entire agreement and understanding of the parties
          with
          respect to its subject matter and supersedes all oral communication and
          prior
          writings with respect thereto.

         

        (b)  Amendments.
          No
          amendment, modification or waiver in respect of this Agreement will be
          effective
          unless in writing (including a writing evidenced by a facsimile transmission)
          and executed by each of the parties or confirmed by an exchange of telexes
          or
          electronic messages on an electronic messaging system.

         

        (c)  Survival
          of Obligations.
          Without
          prejudice to Sections 2(a)(iii) and 6(c)(ii), the obligations of the parties
          under this Agreement will survive the termination of any
          Transaction.

         

        (d)  Remedies
          Cumulative.
          Except
          as provided in this Agreement, the rights, powers, remedies and privileges
          provided in this Agreement are cumulative and not exclusive of any rights,
          powers, remedies and privileges provided by law.

         

        (e)  Counterparts
          and Confirmations.

         

        (i)  This
          Agreement (and each amendment, modification and waiver in respect of it)
          may be
          executed and delivered in counterparts (including by facsimile transmission),
          each of which will be deemed an original.

         

        (ii)  The
          parties intend that they are legally bound by the terms of each Transaction
          from
          the moment they agree to those terms (whether orally or otherwise). A
          Confirmation shall he entered into as soon as practicable and may he executed
          and delivered in counterparts (including by facsimile transmission) or
          be
          created by an exchange of telexes or by an exchange of electronic messages
          on an
          electronic messaging system, which in each case will be sufficient for
          all
          purposes to evidence a binding supplement to this Agreement. The parties
          will
          specify therein or through another effective means that any such counterpart,
          telex or electronic message constitutes a Confirmation.

         

        (f)  No
          Waiver of Rights.
          A
          failure or delay in exercising any right, power or privilege in respect
          of this
          Agreement will not be presumed to operate as a waiver, and a single or
          partial
          exercise of any right, power or privilege will not be presumed to preclude
          any
          subsequent or further exercise, of that right, power or privilege or the
          exercise of any other right, power or privilege.

         

        (g)  Headings.
          The
          headings used in this Agreement are for convenience of reference only and
          are
          not to affect the construction of or to be taken into consideration in
          interpreting this Agreement.

         

        10.  Offices;
          Multibranch Parties

         

        (a)  If
          Section 10(a) is specified in the Schedule as applying, each party that
          enters
          into a Transaction through an Office other than its head or home office
          represents to the other party that, notwithstanding the place of booking
          office
          or jurisdiction of incorporation or organisation of such party, the obligations
          of such party are the same as if it had entered into the Transaction through
          its
          head or home office. This representation will be deemed to be repeated
          by such
          party on each date on which a Transaction is entered into.

         

        (b)  Neither
          party may change the Office through which it makes and receives payments
          or
          deliveries for the purpose of a Transaction without the prior written consent
          of
          the other party.

         

        (c)  If
          a
          party is specified as a Multibranch Party in the Schedule, such Multibranch
          Party may make and receive payments or deliveries under any Transaction
          through
          any Office listed in the Schedule, and the Office through which it makes
          and
          receives payments or deliveries with respect to a Transaction will be specified
          in the relevant Confirmation.

         

        11.  Expenses

         

        A
          Defaulting Party will, on demand, indemnify and hold harmless the other
          party
          for and against all reasonable out-of-pocket expenses, including legal
          fees and
          Stamp Tax, incurred by such other party by reason of the enforcement and
          protection of its rights under this Agreement or any Credit Support Document
          to
          which the Defaulting Party is a party or by reason of the early termination
          of
          any Transaction, including, but not limited to, costs of
          collection.

         

        12.  Notices

         

        (a)  Effectiveness.
          Any
          notice or other communication in respect of this Agreement may be given
          in any
          manner set forth below (except that a notice or other communication under
          Section 5 or 6 may not be given by facsimile transmission or electronic
          messaging system) to the address or number or in accordance with the electronic
          messaging system details provided (see the Schedule) and will be deemed
          effective as indicated:—

         

        (i)  if
          in
          writing and delivered in person or by courier, on the date it is
          delivered;

         

        (ii)  if
          sent
          by telex, on the date the recipient’s answerback is received;

         

        (iii)  if
          sent
          by facsimile transmission, on the date that transmission is received by
          a
          responsible employee of the recipient in legible form (it being agreed
          that the
          burden of proving receipt will be on the sender and will not be met by
          a
          transmission report generated by the sender’s facsimile machine);

         

        (iv)  if
          sent
          by certified or registered mail (airmail, if overseas) or the equivalent
          (return
          receipt requested), on the date that mail is delivered or its delivery
          is
          attempted; or

         

        (v)  if
          sent
          by electronic messaging system, on the date that electronic message is
          received,

         

        unless
          the date of that delivery (or attempted delivery) or that receipt, as
          applicable, is not a Local Business Day or that communication is delivered
          (or
          attempted) or received, as applicable, after the close of business on a
          Local
          Business Day, in which case that communication shall be deemed given and
          effective on the first following day that is a Local Business Day.

         

        (b)  Change
          of Addresses.
          Either
          party may by notice to the other change the address, telex or facsimile
          number
          or electronic messaging system details at which notices or other communications
          are to be given to it.

         

        13.  Governing
          Law and Jurisdiction

         

        (a)  Governing
          Law.
          This
          Agreement will be governed by and construed in accordance with the law
          specified
          in the Schedule.

         

        (b)  Jurisdiction.
          With
          respect to any suit, action or proceedings relating to this Agreement
          (“Proceedings”), each party irrevocably:—

         

        (i)  submits
          to the jurisdiction of the English courts, if this Agreement is expressed
          to be
          governed by English law, or to the non-exclusive jurisdiction of the courts
          of
          the State of New York and the United States District Court located in the
          Borough of Manhattan in New York City, if this Agreement is expressed to
          be
          governed by the laws of the State of New York; and

         

        (ii)  waives
          any objection which it may have at any time to the laying of venue of any
          Proceedings brought in any such court, waives any claim that such Proceedings
          have been brought in an inconvenient forum and further waives the right
          to
          object, with respect to such Proceedings, that such court does not have
          any
          jurisdiction over such party.

         

        Nothing
          in this Agreement precludes either party from bringing Proceedings in any
          other
          jurisdiction (outside, if this Agreement is expressed to be governed by
          English
          law, the Contracting States, as defined in Section 1(3) of the Civil
          Jurisdiction and Judgments Act 1982 or any modification, extension or
          re-enactment thereof for the time being in force) nor will the bringing
          of
          Proceedings in any one or more jurisdictions preclude the bringing of
          Proceedings in any other jurisdiction.

         

        (c)  Service
          of Process.
          Each
          party irrevocably appoints the Process Agent (if any) specified opposite
          its
          name in the Schedule to receive, for it and on its behalf, service of process
          in
          any Proceedings. If for any reason
          any party’s Process Agent is unable to act as such, such party will promptly
          notify the other party and within 30 days appoint a substitute process
          agent
          acceptable to the other party. The parties irrevocably consent to service
          of
          process given in the manner provided for notices in Section 12. Nothing
          in this
          Agreement will affect the right of either party to serve process in any
          other
          manner permitted by law.

         

        (d)  Waiver
          of Immunities.
          Each
          party irrevocably waives, to the fullest extent permitted by applicable
          law,
          with respect to itself and its revenues and assets (irrespective of their
          use or
          intended use), all immunity on the grounds of sovereignty or other similar
          grounds from (i) suit, (ii) jurisdiction of any court, (iii) relief by
          way of
          injunction, order for specific performance or for recovery of property,
          (iv)
          attachment of its assets (whether before or after judgment) and (v) execution
          or
          enforcement of any judgment to which it or its revenues or assets might
          otherwise be entitled in any Proceedings in the courts of any jurisdiction
          and
          irrevocably agrees, to the extent permitted by applicable law, that it
          will not
          claim any such immunity in any Proceedings.

         

        14.  Definitions

         

        As
          used
          in this Agreement:—

         

        “Additional
          Termination Event”
          has the
          meaning specified in Section 5(b).

         

        “Affected
          Party”
          has the
          meaning specified in Section 5(b).

         

        “Affected
          Transactions”
          means
          (a) with respect to any Termination Event consisting of an Illegality,
          Tax Event
          or Tax Event Upon Merger, all Transactions affected by the occurrence of
          such
          Termination Event and (b) with respect to any other Termination Event,
          all
          Transactions.

         

        “Affiliate”
          means,
          subject to the Schedule, in relation to any person, any entity controlled,
          directly or indirectly, by the person, any entity that controls, directly
          or
          indirectly, the person or any entity directly or indirectly under common
          control
          with the person. For this purpose, “control” of any entity or person means
          ownership of a majority of the voting power of the entity or
          person.

         

        “Applicable
          Rate”
          means:—

         

        (a)  in
          respect of obligations payable or deliverable (or which would have been
          but for
          Section 2(a)(iii)) by a Defaulting Party, the Default Rate;

         

        (b)  in
          respect of an obligation to pay an amount under Section 6(e) of either
          party
          from and after the date (determined in accordance with Section 6(d)(ii))
          on
          which that amount is payable, the Default Rate;

         

        (c)  in
          respect of all other obligations payable or deliverable (or which would
          have
          been but for

         

        Section
          2(a)(iii)) by a Non-defaulting Party, the Non-default Rate; and

         

        (d)  in
          all
          other cases, the Termination Rate.

         

        “Burdened
          Party”
          has the
          meaning specified in Section 5(b).

         

        “Change
          in Tax Law”
          means
          the enactment, promulgation, execution or ratification of, or any change
          in or
          amendment to, any law (or in the application or official interpretation
          of any
          law) that occurs on or after the date on which the relevant Transaction
          is
          entered into.

         

        “consent”
          includes
          a consent, approval, action, authorisation, exemption, notice, filing,
          registration or exchange control consent.

         

        “Credit
          Event Upon Merger”
          has the
          meaning specified in Section 5(b).

         

        “Credit
          Support Document”
          means
          any agreement or instrument that is specified as such in this Agreement.
          

         

        “Credit
          Support Provider”
          has the
          meaning specified in the Schedule.

         

        “Default
          Rate”
          means a
          rate per annum equal to the cost (without proof or evidence of any actual
          cost)
          to the relevant payee (as certified by it) if it were to fund or of funding
          the
          relevant amount plus 1% per annum.

         

        
          
            
            

          

          
            
            

            
              

            

          

          
            
            

          

        

        “Defaulting
          Party”
          has the
          meaning specified in Section 6(a).

         

        “Early
          Termination Date”
          means
          the date determined in accordance with Section 6(a) or 6(b)(iv).

         

        “Event
          of Default”
          has the
          meaning specified in Section 5(a) and, if applicable, in the
          Schedule.

         

        “Illegality”
          has the
          meaning specified in Section 5(b).

         

        “Indemnifiable
          Tax”
          means
          any Tax other than a Tax that would not be imposed in respect of a payment
          under
          this Agreement but for a present or former connection between the jurisdiction
          of the government or taxation authority imposing such Tax and the recipient
          of
          such payment or a person related to such recipient (including, without
          limitation, a connection arising from such recipient or related person
          being or
          having been a citizen or resident of such jurisdiction, or being or having
          been
          organised, present or engaged in a trade or business in such jurisdiction,
          or
          having or having had a permanent establishment or fixed place of business
          in
          such jurisdiction, but excluding a connection arising solely from such
          recipient
          or related person having executed, delivered, performed its obligations
          or
          received a payment under, or enforced, this Agreement or a Credit Support
          Document).

         

        “law”
          includes
          any treaty, law, rule or regulation (as modified, in the case of tax matters,
          by
          the practice of any relevant governmental revenue authority) and “lawful” and
“unlawful” will be construed accordingly.

         

        “Local
          Business Day”
          means,
          subject to the Schedule, a day on which commercial banks are open for business
          (including dealings in foreign exchange and foreign currency deposits)
          (a) in
          relation to any obligation under Section 2(a)(i), in the place(s) specified
          in
          the relevant Confirmation or, if not so specified, as otherwise agreed
          by the
          parties in writing or determined pursuant to provisions contained, or
          incorporated by reference, in this Agreement, (b) in relation to any other
          payment, in the place where the relevant account is located and, if different,
          in the principal financial centre, if any, of the currency of such payment,
          (c)
          in relation to any notice or other communication, including notice contemplated
          under Section 5(a)(i), in the city specified in the address for notice
          provided
          by the recipient and, in the case of a notice contemplated by Section 2(b),
          in
          the place where the relevant new account is to be located and (d) in relation
          to
          Section 5(a)(v)(2), in the relevant locations for performance with respect
          to
          such Specified Transaction.

         

        “Loss”
          means,
          with respect to this Agreement or one or more Terminated Transactions,
          as the
          case may be, and a party, the Termination Currency Equivalent of an amount
          that
          party reasonably determines in good faith to be its total losses and costs
          (or
          gain, in which case expressed as a negative number) in connection with
          this
          Agreement or that Terminated Transaction or group of Terminated Transactions,
          as
          the case may be, including any loss of bargain, cost of funding or, at
          the
          election of such party but without duplication, loss or cost incurred as
          a
          result of its terminating, liquidating, obtaining or reestablishing any
          hedge or
          related trading position (or any gain resulting from any of them). Loss
          includes
          losses and costs (or gains) in respect of any payment or delivery required
          to
          have been made (assuming satisfaction of each applicable condition precedent)
          on
          or before the relevant Early Termination Date and not made, except, so
          as to
          avoid duplication, if Section 6(e)(i)(1) or (3) or 6(e)(ii)(2)(A) applies.
          Loss
          does not include a party’s legal fees and out-of-pocket expenses referred to
          under Section 11. A party will determine its Loss as of the relevant Early
          Termination Date, or, if that is not reasonably practicable, as of the
          earliest
          date thereafter as is reasonably practicable. A party may (but need not)
          determine its Loss by reference to quotations of relevant rates or prices
          from
          one or more leading dealers in the relevant markets.

         

        “Market
          Quotation”
          means,
          with respect to one or more Terminated Transactions and a party making
          the
          determination, an amount determined on the basis of quotations from Reference
          Market-makers. Each quotation will be for an amount, if any, that would
          be paid
          to such party (expressed as a negative number) or by such party (expressed
          as a
          positive number) in consideration of an agreement between such party (taking
          into account any existing Credit Support Document with respect to the
          obligations of such party) and the quoting Reference Market-maker to enter
          into
          a transaction (the “Replacement Transaction”) that would have the effect of
          preserving for such party the economic equivalent of any payment or delivery
          (whether the underlying obligation was absolute or contingent and assuming
          the
          satisfaction of each applicable condition precedent) by the parties under
          Section 2(a)(i) in respect of such Terminated Transaction or group of Terminated
          Transactions that would, but for the occurrence of the relevant Early
          Termination Date, have been
          required after that date. For this purpose, Unpaid Amounts in respect of
          the
          Terminated Transaction or group of Terminated Transactions are to be excluded
          but, without limitation, any payment or delivery that would, but for the
          relevant Early Termination Date, have been required (assuming satisfaction
          of
          each applicable condition precedent) after that Early Termination Date
          is to be
          included. The Replacement Transaction would be subject to such documentation
          as
          such party and the Reference Market-maker may, in good faith, agree. The
          party
          making the determination (or its agent) will request each Reference Market-maker
          to provide its quotation to the extent reasonably practicable as of the
          same day
          and time (without regard to different time zones) on or as soon as reasonably
          practicable after the relevant Early Termination Date. The day and time
          as of
          which those quotations are to be obtained will be selected in good faith
          by the
          party obliged to make a determination under Section 6(e), and, if each
          party is
          so obliged, after consultation with the other. If more than three quotations
          are
          provided, the Market Quotation will be the arithmetic mean of the quotations,
          without regard to the quotations having the highest and lowest values.
          If
          exactly three such quotations are provided, the Market Quotation will be
          the
          quotation remaining after disregarding the highest and lowest quotations.
          For
          this purpose, if more than one quotation has the same highest value or
          lowest
          value, then one of such quotations shall be disregarded. If fewer than
          three
          quotations are provided, it will be deemed that the Market Quotation in
          respect
          of such Terminated Transaction or group of Terminated Transactions cannot
          be
          determined.

         

        “Non-default
          Rate”
          means a
          rate per annum equal to the cost (without proof or evidence of any actual
          cost)
          to the Non-defaulting Party (as certified by it) if it were to fund the
          relevant
          amount.

         

        “Non-defaulting
          Party”
          has the
          meaning specified in Section 6(a).

         

        “Office”
          means a
          branch or office of a party, which may be such party’s head or home
          office.

         

        “Potential
          Event of Default”
          means
          any event which, with the giving of notice or the lapse of time or both,
          would
          constitute an Event of Default.

         

        “Reference
          Market-makers”
          means
          four leading dealers in the relevant market selected by the party determining
          a
          Market Quotation in good faith (a) from among dealers of the highest credit
          standing which satisfy all the criteria that such party applies generally
          at the
          time in deciding whether to offer or to make an extension of credit and
          (b) to
          the extent practicable, from among such dealers having an office in the
          same
          city.

         

        “Relevant
          Jurisdiction”
          means,
          with respect to a party, the jurisdictions (a) in which the party is
          incorporated, organised, managed and controlled or considered to have its
          seat,
          (b) where an Office through which the party is acting for purposes of this
          Agreement is located, (c) in which the party executes this Agreement and
          (d) in
          relation to any payment, from or through which such payment is
          made.

         

        “Scheduled
          Payment Date”
          means a
          date on which a payment or delivery is to be made under Section 2(a)(i)
          with
          respect to a Transaction.

         

        “Set-off”
          means
          set-off, offset, combination of accounts, right of retention or withholding
          or
          similar right or requirement to which the payer of an amount under Section
          6 is
          entitled or subject (whether arising under this Agreement, another contract,
          applicable law or otherwise) that is exercised by, or imposed on, such
          payer.

         

        “Settlement
          Amount”
          means,
          with respect to a party and any Early Termination Date, the sum
          of:—

         

        (a)  the
          Termination Currency Equivalent of the Market Quotations (whether positive
          or
          negative) for each Terminated Transaction or group of Terminated Transactions
          for which a Market Quotation is determined; and

         

        (b)  such
          party’s Loss (whether positive or negative and without reference to any Unpaid
          Amounts) for each Terminated Transaction or group of Terminated Transactions
          for
          which a Market Quotation cannot be determined or would not (in the reasonable
          belief of the party making the determination) produce a commercially reasonable
          result.

         

        “Specified
          Entity”
          has the
          meanings specified in the Schedule.

         

        
          
            
            

          

          
            
            

            
              

            

          

          
            
            

          

        

        “Specified
          Indebtedness”
          means,
          subject to the Schedule, any obligation (whether present or future, contingent
          or otherwise, as principal or surety or otherwise) in respect of borrowed
          money.

         

        “Specified
          Transaction”
          means,
          subject to the Schedule, (a) any transaction (including an agreement with
          respect thereto) now existing or hereafter entered into between one party
          to
          this Agreement (or any Credit Support Provider of such party or any applicable
          Specified Entity of such party) and the other party to this Agreement (or
          any
          Credit Support Provider of such other party or any applicable Specified
          Entity
          of such other party) which is a rate swap transaction, basis swap, forward
          rate
          transaction, commodity swap, commodity option, equity or equity index swap,
          equity or equity index option, bond option, interest rate option, foreign
          exchange transaction, cap transaction, floor transaction, collar transaction,
          currency swap transaction, cross-currency rate swap transaction, currency
          option
          or any other similar transaction (including any option with respect to
          any of
          these transactions), (b) any combination of these transactions and (c)
          any other
          transaction identified as a Specified Transaction in this Agreement or
          the
          relevant confirmation.

         

        “Stamp
          Tax”
          means
          any stamp, registration, documentation or similar tax.

         

        “Tax”
          means
          any present or future tax, levy, impost, duty, charge, assessment or fee
          of any
          nature (including interest, penalties and additions thereto) that is imposed
          by
          any government or other taxing authority in respect of any payment under
          this
          Agreement other than a stamp, registration, documentation or similar
          tax.

         

        “Tax
          Event”
          has the
          meaning specified in Section 5(b).

         

        “Tax
          Event Upon Merger”
          has the
          meaning specified in Section 5(b).

         

        “Terminated
          Transactions”
          means
          with respect to any Early Termination Date (a) if resulting from a Termination
          Event, all Affected Transactions and (b) if resulting from an Event of
          Default,
          all Transactions (in either case) in effect immediately before the effectiveness
          of the notice designating that Early Termination Date (or, if “Automatic Early
          Termination” applies, immediately before that Early Termination
          Date).

         

        “Termination
          Currency”
          has the
          meaning specified in the Schedule.

         

        “Termination
          Currency Equivalent”
          means,
          in respect of any amount denominated in the Termination Currency, such
          Termination Currency amount and, in respect of any amount denominated in
          a
          currency other than the Termination Currency (the “Other Currency”), the amount
          in the Termination Currency determined by the party making the relevant
          determination as being required to purchase such amount of such Other Currency
          as at the relevant Early Termination Date, or, if the relevant Market Quotation
          or Loss (as the case may be), is determined as of a later date, that later
          date,
          with the Termination Currency at the rate equal to the spot exchange rate
          of the
          foreign exchange agent (selected as provided below) for the purchase of
          such
          Other Currency with the Termination Currency at or about 11:00 a.m. (in
          the city
          in which such foreign exchange agent is located) on such date as would
          be
          customary for the determination of such a rate for the purchase of such
          Other
          Currency for value on the relevant Early Termination Date or that later
          date.
          The foreign exchange agent will, if only one party is obliged to make a
          determination under Section 6(e), be selected in good faith by that party
          and
          otherwise will be agreed by the parties.

         

        “Termination
          Event”
          means an
          Illegality, a Tax Event or a Tax Event Upon Merger or, if specified to
          be
          applicable, a Credit Event Upon Merger or an Additional Termination
          Event.

         

        “Termination
          Rate”
          means a
          rate per annum equal to the arithmetic mean of the cost (without proof
          or
          evidence of any actual cost) to each party (as certified by such party)
          if it
          were to fund or of funding such amounts.

         

        “Unpaid
          Amounts”
          owing to
          any party means, with respect to an Early Termination Date, the aggregate
          of (a)
          in respect of all Terminated Transactions, the amounts that became payable
          (or
          that would have become payable but for Section 2(a)(iii)) to such party
          under
          Section 2(a)(i) on or prior to such Early Termination Date and which remain
          unpaid as at such Early Termination Date and (b) in respect of each Terminated
          Transaction, for each obligation under Section 2(a)(i) which was (or would
          have
          been but for Section 2(a)(iii)) required to be settled by delivery to such
          party
          on or prior to such Early Termination Date and which has not been so settled
          as
          at such Early Termination Date, an amount equal to the fair market value
          of
          that which was (or would have been) required to be delivered as of the
          originally scheduled date for
          delivery, in each case together with (to the extent permitted under applicable
          law) interest, in the currency, of
          such
          amounts, from (and including) the date such amounts or obligations were
          or would
          have been required to
          have
          been paid or performed to (but excluding) such Early Termination Date,
          at the
          Applicable Rate. Such amounts
          of interest will be calculated on the basis of daily compounding and the
          actual
          number of days elapsed.
          The fair market value of any obligation referred to in clause (b) above
          shall be
          reasonably determined
          by the party obliged to make the determination under Section 6(e) or, if
          each
          party is so obliged, it
          shall
          be the average of the Termination Currency Equivalents of the fair market
          values
          reasonably determined
          by both parties.

         

        
          
            
            

          

          
            
            

            
              

            

          

          
            
            

          

        

        IN
          WITNESS WHEREOF the parties have executed this document on the respective
          dates
          specified below

         

        

         

        
          	
                  Credit
                    Suisse International

                	
                  U.S.
                    Bank National Association, 

                  not
                    individually, but solely as 

                  trustee
                    on behalf of the Supplemental Interest Trust created under the
                    

                  Pooling
                    and Servicing Agreement for 

                  HOME
                    EQUITY MORTGAGE TRUST SERIES 2006-6, Home
                    Equity Mortgage Pass-Through Certificates, Series
                    2006-6

                
	
                   

                   

                  By:____________________________________
                    

                  Name:

                  Title:

                	
                   

                   

                  By:____________________________________
                    

                  Name:

                  Title:

                
	
                   

                   

                  By:____________________________________
                    

                  Name:

                  Title:

                	 
	 	 

        

         

        

        
          
            
              
              

            

            
              
              

              
                

              

            

            
              
              

            

          

        

         

        

          Swap
            Schedule

          

          

          

          

          SCHEDULE
            

          to
            the 

          Master
            Agreement

          

          

          dated
            as
            of December 29, 2006

          

          between

          

          

          

          

          
            	
                    Credit
                      Suisse International

                  	
                     

                     

                    and

                  	
                    U.S.
                      Bank National Association, 

                    not
                      individually, but solely as trustee on behalf of 

                    the
                      Supplemental Interest Trust created under the 

                    Pooling
                      and Servicing Agreement for 

                    HOME
                      EQUITY MORTGAGE TRUST SERIES 2006-6, 

                    Home
                      Equity Mortgage Pass-Through Certificates, Series
                      2006-6

                  
	
                    _______________________________________

                    ("Party
                      A")

                  	 	
                    _________________________________________

                    ("Party
                      B")

                  

          

          

          

          Part
            1

           

          Termination
            Provisions.

           

          (a) "Specified
            Entity"
            means in
            relation to Party A for the purpose of:

           

          Section
            5(a)(v),       Not
            Applicable

          Section
            5(a)(vi),      Not
            Applicable

          Section
            5(a)(vii),    Not
            Applicable

          Section
            5(b)(iv),     Not
            Applicable

           

          and
            in
            relation to Party B for the purpose of:

           

          Section
            5(a)(v),       Not
            Applicable

          Section
            5(a)(vi),      Not
            Applicable

          Section
            5(a)(vii),    Not
            Applicable

          Section
            5(b)(iv),     Not
            Applicable

           

          (b) "Specified
            Transaction"
            will
            have the meaning specified in Section 14 of this Agreement.

           

          (c) Certain
            Events of Default.
            Subject
            to Part 1(h) below, the following Events of Default will apply to the
            parties as
            specified below, and the definition of "Event of Default" in Section
            14 is
            deemed to be modified accordingly:

           

          Section
            5(a)(i) (Failure
            to Pay or Deliver)
            will
            apply to Party A and Party B.

          Section
            5(a)(ii) (Breach
            of Agreement)
            will
            apply to Party A and will not apply to Party B.

          Section
            5(a)(iii) (Credit
            Support Default)
            will
            apply to Party A and will not apply to Party B, unless Party A has posted
            collateral under the Credit Support Annex, in which case Section 5(a)(iii)(1)
            will apply to Party B.

          Section
            5(a)(iv) (Misrepresentation)
            will
            apply to Party A and will not apply to Party B. 

          Section
            5(a)(v) (Default
            under Specified Transaction)
            will
            not apply to Party A or Party B.

          Section
            5(a)(vi) (Cross
            Default)
            will
            apply to Party A and will not apply to Party B. "Specified
            Indebtedness"
            shall
            have the meaning specified in Section 14 of this Agreement and "Threshold
            Amount"
            means
            3% of shareholder's equity of the Relevant Entity.

          Section
            5(a)(vii) (Bankruptcy)
            will
            apply to Party A and Party B;
            provided
            that in
            respect of Party B, (i) clause (2) thereof shall not apply, (ii) clause
            (4)
            thereof shall not apply to Party B to the extent that the relevant proceeding
            is
            instituted by Party A in breach of Party A's agreement in Part 5(g) of
            this
            Schedule, (iii) the words "seeks or" shall be deleted from clause (6)
            thereof
            and any appointment that is effected by or pursuant to the transaction
            documents
            shall not constitute an Event of Default under such clause (6), (iv)
            clause (7)
            thereof shall not apply, (v) clause (8) thereof shall apply only to the
            extent
            not inconsistent with clauses (i) to (iv) of this sentence and (vi) clause
            (9)
            thereof shall not apply.

          Section
            5(a)(viii) (Merger
            without Assumption)
            will
            apply to Party A and will not apply to Party B.

           

          (d) Termination
            Events.
            The
            following Termination Events will apply to the parties as specified
            below:

           

          Section
            5(b)(i) (Illegality)
            will
            apply to Party A and Party B.

          Section
            5(b)(ii) (Tax
            Event)
            will
            apply to Party A and Party B; provided
            that
            the
            words “(x) any action taken by a taxing authority, or brought in a court of
            competent jurisdiction, on or after the date on which a Transaction is
            entered
            into (regardless of whether such action is taken or brought with respect
            to a
            party to this Agreement) or (y)” shall be deleted with respect to Party
            A.

          Section
            5(b)(iii) (Tax
            Event upon Merger)
            will
            apply to Party A and Party B; provided
            that in
            the event that Party A is the Affected Party in respect of an event described
            in
            Section 5(b)(iii), Party A shall not be entitled to designate an Early
            Termination Date pursuant to such Section 5(b)(iii). 

          Section
            5(b)(iv) (Credit
            Event upon Merger)
            will
            not apply to Party A or Party B.

          

          (e) The
            "Automatic
            Early Termination"
            provision of Section 6(a) of this Agreement will not apply to Party A
            or Party
            B.

           

          (f) Payments
            on Early Termination.
            For the
            purpose of Section 6(e) of this Agreement:

           

          
            	 	
                    (i)

                  	
                    Loss
                      will apply; subject to Part 5(x).

                  

          

           

          
            	 	
                    (ii)

                  	
                    The
                      Second Method will apply.

                  

          

           

          (g) "Termination
            Currency"
            means
            United States Dollars.

           

          (h) Additional
            Termination Events.
            The
            following Additional Termination Events will apply, in each case with
            respect to
            Party B as the sole Affected Party (unless otherwise provided
            below): 

           

          
            	 	
                    (i)

                  	
                    Each
                      of the following shall constitute an Additional Termination
                      Event with
                      Party A as sole Affected Party:

                  

          

           

          
            	(a)  	
                    An
                      S&P Collateralization Event has occurred and is continuing and
                      Party A
                      has failed to comply with or perform any obligation to be complied
                      with or
                      performed by Party A in accordance with the "Downgrade Provisions"
                      as set
                      forth in Part 5(b)(2) and a Ratings Event has neither occurred
                      nor is
                      continuing. Any event which constitutes an Additional Termination
                      Event
                      pursuant to this Section 1(h)(i)(a) shall not constitute an
                      Event of
                      Default.

                  

          

           

          
            	(b)  	
                    A
                      Moody's Collateralization Event has occurred and is continuing,
                      and Party
                      A has failed to comply with or perform any obligation to deliver
                      collateral under the Credit Support Annex and 30 Local Business
                      Days or
                      more have elapsed since the last time that no Moody's Collateralization
                      Event had occurred and was continuing. Any event which constitutes
                      an
                      Additional Termination Event pursuant to this Section 1(h)(i)(b)
                      shall not
                      constitute an Event of Default (unless such event constitutes
                      a failure to
                      post collateral pursuant to the terms of the Credit Support
                      Annex in
                      breach of Part 5(b)(4)).

                  

          

           

          
            	(c)  	
                    A
                      Ratings Event has occurred and is continuing and Party A has
                      failed to
                      comply with or perform any obligation to be complied with or
                      performed by
                      Party A in accordance with the “Downgrade Provisions” as set forth in Part
                      5(b)(4) and, in the case of a Moody's Ratings Event, (i) at
                      least one
                      Eligible Replacement has made a Live Bid to be the transferee
                      of a
                      transfer to be made in accordance with the terms hereof and/or
                      (ii) at
                      least one entity that satisfies the Hedge Counterparty Ratings
                      Requirements is able to provide an Eligible Guarantee in respect
                      of all of
                      Party A’s present and future obligations under this Agreement subject
                      to
                      the satisfaction of the S&P Ratings Condition. The failure by Party A
                      to comply with or perform any obligation (other than the obligation
                      to
                      post collateral pursuant to the terms of the Credit Support
                      Annex) to be
                      complied with or performed by Party A in accordance with the
“Downgrade
                      Provisions” as set forth in Part 5(b)(4) will constitute an Additional
                      Termination Event and not an Event of
                      Default.

                  

          

           

          
            	 	
                    (ii)

                  	
                    The
                      Series Supplement dated as of December
                      29,
                      2006 to the Standard Terms of Pooling and Servicing Agreement
dated
                      as of December 1, 2006 among Credit Suisse First Boston Mortgage
                      Securities Corp. as Depositor, Select Portfolio Servicing,
                      Inc. as
                      Servicer, and U.S. Bank National Association as Trustee as
                      amended and supplemented from time to time (such
                      Series Supplement together with such Standard Terms, the PSA
                      or
                      the Pooling
                      and Servicing Agreement)
                      or
                      other transaction document is amended or modified (other than
                      an amendment
                      or modification solely to accommodate replacement agents to
                      the
                      transaction, e.g., servicer, manager) without the prior written
                      consent of
                      Party A, where such consent is required under the terms of
                      the PSA (such
                      consent not to be unreasonably withheld). For all purposes
                      hereunder,
                      including in the Credit Support Annex and each Confirmation,
“Trustee”
                      shall mean the trustee for the Supplemental Interest Trust
                      under the
                      PSA.

                  

          

           

          
            	 	
                    (iii)

                  	
                    The
                      termination of the Trust pursuant to Article IX of the PSA,
provided,
                      however, that notwithstanding Section 6(b)(iv) of this Agreement,
                      either
                      party may designate an Early Termination Date in respect of
                      this
                      Additional Termination Event.  

                  

          

           

          
            	 	
                    (iv)

                  	
                    Upon
                      the occurrence of a Swap Disclosure Event (as defined in Part
                      5(t) below)
                      Party A has not, within 10 days after such Swap Disclosure
                      Event, complied
                      with any of the provisions set forth in Part 5(t)(iii) below.
                      For all
                      purposes of this Agreement, Party A shall be the sole Affected
                      Party with
                      respect to the occurrence of an Additional Termination Event
                      described in
                      this Part 1(h)(iv).

                  

          

           

          
            
              
              

            

            
              
              

              
                

              

            

            
              
              

            

          

          Part
            2

           

          Tax
            Representations.

           

          (a) Payer
            Representations.
            For the
            purpose of Section 3(e) of this Agreement, neither Party A nor Party
            B will make
            any representations.

           

          (b) Payee
            Representations.
            For the
            purpose of Section 3(f) of this Agreement, neither Party A nor Party
            B will make
            any representations.

           

          Part
            3

           

          Agreement
            to Deliver Documents.

           

          For
            the
            purpose of Sections 4(a)(i) and (ii) of this Agreement, each party agrees
            to
            deliver the following documents, as applicable:

           

          (a) Tax
            forms, documents or certificates to be delivered are:— None

           

          (b)
            Other
            documents to be delivered are:—

           

          

          
            	
                    Party
                      required to deliver document

                  	
                    Form/Document/Certificate

                  	
                    Date
                      by which to be delivered

                  	
                    Covered
                      by Section 3(d)
                      Representation

                  
	
                    Party
                      A and Party B

                  	
                    Certified
                      copy of the board of directors resolution (or equivalent authorizing
                      documentation) which sets forth the authority of each signatory
                      to this
                      Agreement and each Credit Support Document (if any) signing
                      on its behalf
                      and the authority of such party to enter into Transactions
                      contemplated
                      and performance of its obligations hereunder.

                  	
                    Concurrently
                      with the execution and delivery of this Agreement.

                  	
                    Yes

                  
	
                    Party
                      A and Party B

                  	
                    Incumbency
                      certificate (or, if available the current authorized signature
                      book or
                      equivalent authorizing documentation) specifying the names,
                      titles,
                      authority and specimen signatures of the persons authorized
                      to execute
                      this Agreement which sets forth the specimen signatures of
                      each signatory
                      to this Agreement, each Confirmation and each Credit Support
                      Document (if
                      any) signing on its behalf.

                  	
                    Concurrently
                      with the execution and delivery of this Agreement unless previously
                      delivered and still in full force and effect.

                  	
                    Yes

                  
	
                    Party
                      A and B

                  	
                    An
                      opinion of counsel to such party (or, in the case of Party
                      B, counsel to
                      the Trustee) as to the enforceability of this Agreement that
                      is reasonably
                      satisfactory in form and substance to the other party.

                  	
                    Concurrently
                      with the execution and delivery of the Confirmation unless
                      previously
                      delivered and still in full force and effect.

                  	
                    No

                  
	
                    Party
                      B

                  	
                    All
                      opinions of counsel to Party B and counsel to the Servicer,
                      delivered as
                      of the Closing Date

                  	
                    Upon
                      execution of this Agreement

                  	
                    No

                  
	
                    Party
                      B

                  	
                    Such
                      other information in connection with the Certificates or the
                      PSA in the
                      possession of Party B as Party A may reasonably request.

                  	
                    Upon
                      request

                  	
                    No

                  
	
                    Party
                      B

                  	
                    An
                      executed copy of the PSA .

                  	
                    Within
                      30 days after the date of this Agreement.

                  	
                    Yes

                  

          

          

           

          
            
              
              

            

            
              
              

              
                

              

            

            
              
              

            

          

          Part
            4.

           

          Miscellaneous.

           

          (a) Addresses
            for Notices.
            For the
            purposes of Section 12(a) of this Agreement: 

           

          Party
            A:

           

          
            	 	
                    (1)

                  	
                    Address
                      for notices or communications to Party A (other than by
                      facsimile):-

                  

          

           

          Address:     
             One
            Cabot
            Square           Attention:              
             (1) Head
            of
            Credit Risk Management;

          London
            E14
            4QJ                                          
  (2) Managing
            Director - 

          England                                                               
               Operations
            Department;

          (3) Managing
            Director - Legal Department

          

          Telex
            No.: 264521                             
             Answerback:                
             CSI
            G

          

          (For
            all
            purposes.)

          

          

          
            	 	
                    (2)

                  	
                    For
                      the purpose of facsimile notices or communications under this
                      Agreement
                      (other than a notice or communication under Section 5 or
                      6):-

                  

          

          

          Facsimile
            No.:    44
            20
            7888 2686

          Attention:          
             Managing
            Director - Legal Department

          

          
            	 	
                    Telephone
                      number for oral confirmation of receipt of facsimile in legible
                      form: 44
                      20 7888 2028

                  

          

          Designated
            responsible employee for the purposes of Section 12(a)(iii): Senior Legal
            Secretary

          

          Party
            B:

          

          Address
            for notices or communications to Party B:

          

          U.S.
            Bank
            National Association, Trustee

          60
            Livingston Avenue

          St.
            Paul,
            MN 55107

          Attn:
            Corporate Trust Structured Finance, Ref. CSFBMSC HEMT 2006-6

          Tel:
            (651) 495 3848

          Facsimilie:
            (651) 495 8090

          

          (For
            all
            purposes.)(b) Process
            Agent. For
            the
            purposes of Section 13(c) of this Agreement:

           

          Party
            A
            appoints as its Process Agent:

           

          Credit
            Suisse Securities (USA) LLC

          Eleven
            Madison Avenue

          New
            York,
            NY 10010

          

          Attention:         
              General
            Counsel

          Legal
            and
            Compliance Department

           

          Party
            B
            appoints as its Process Agent: Not applicable.

           

          (c) Offices.
            With
            respect to Party A, the provisions of Section 10(a) will apply to this
            Agreement.

           

          (d) Multibranch
            Party.
            For the
            purpose of Section 10(c) of this Agreement:

           

          Party
            A
            is not a Multibranch Party. 

          Party
            B
            is not a Multibranch Party.

           

          (e) Calculation
            Agent.
            The
            Calculation Agent is Party A.

           

          (f) Credit
            Support Document.
            Credit
            Support Document means:- 

           

          With
            respect to Party A: The Credit Support Annex and any guarantee that is
            provided
            to Party B pursuant to Part 5 (b) below.

           

          With
            respect to Party B: The Credit Support Annex.

           

          (g) Credit
            Support Provider.

           

          Credit
            Support Provider means in relation to Party A: Not applicable or, if
            a guarantee
            is provided to Party B pursuant to Part 5 (b) below, the guarantor providing
            such guarantee.

          Credit
            Support Provider means in relation to Party B: Not applicable..

           

          (h) Governing
            Law.
            This
            Agreement and, to the fullest extent permitted by applicable law, all
            matters
            arising out of or relating in any way to this Agreement will be governed
            by and
            construed in accordance with the laws of the State of New York (without
            reference to choice of law doctrine other than New York General Obligation
            Law
            Sections 5-1401 and 5-1402).

           

          (i) Netting
            of Payments.
            Subparagraph (ii) of Section 2(c) of this Agreement will apply to each
            Transaction hereunder.

           

          (j) "Affiliate."
            "Affiliate" shall have the same meaning specified in Section 14 of this
            Agreement, provided, however, that, Party A shall be deemed to have no
            Affiliates for purposes of Section 3(c) of this Agreement. Party B shall
            be
            deemed to have no Affiliates for purposes of this Agreement.

           

          
            
              
              

            

            
              
              

              
                

              

            

            
              
              

            

          

          Part
            5.

           

          Other
            Provisions.

           

          (a) Definitions. 

           

          Any
            capitalized terms used but not otherwise defined in this Agreement shall
            have
            the meanings assigned to them (or incorporated by reference) in the PSA.
            In the
            event of any inconsistency between the terms of this Agreement and the
            terms of
            the PSA, this Agreement will govern.

           

          (b) Downgrade
            Provisions. 

          

          
            	 	
                    (1)

                  	
                    It
                      shall be a collateralization event (Collateralization
                      Event)
                      if:

                  

          

           

          (A)
            with
            respect to each Relevant Entity, so long as Moody's Investors Service,
            Inc.
            (Moody's)
            is
            currently rating the Certificates and either (i) such Relevant Entity
            has both a
            long-term and short-term rating by Moody's and (x) the unsecured,
            unguaranteed and otherwise unsupported long-term senior debt obligations
            of such
            Relevant Entity are rated "A3" or below by Moody's or (y) the unsecured,
            unguaranteed and otherwise unsupported short-term debt obligations of
            such
            Relevant Entity are rated "P-2" or below by Moody's, or (ii) no short-term
            rating is available from Moody’s and the unsecured, unguaranteed and otherwise
            unsupported long-term senior debt obligations of such Relevant Entity
            are rated
            "A2" or below by Moody's (such event, a Moody's
            Collateralization Event),
            or

           

          (B)
            with
            respect to each Relevant Entity, so long as Standard & Poor's Rating
            Services, a division of The McGraw-Hill Companies, Inc. (S&P)
            is
            currently rating the Certificates and either (i) the unsecured, unguaranteed
            and
            otherwise unsupported short-term debt obligations of such Relevant Entity
            are
            rated "A-2" or below by S&P or (ii) if such Relevant Entity does not have a
            short-term rating from S&P, the unsecured, unguaranteed and otherwise
            unsupported long-term senior debt obligations of Party A are rated "A" or
            below by S&P (such event, an S&P
            Collateralization Event).

           

          Relevant
            Entity means
            Party A and any guarantor under an Eligible Guarantee in respect of all
            of Party
            A’s present and future obligations under this Agreement.

           

          
            	 	
                    (2)

                  	
                    Without
                      prejudice to Party A's obligations under the Collateral Support
                      Annex,
                      during any period in which a Collateralization Event is occurring,
                      Party A shall, at its own expense and within thirty (30) Business
                      Days of such Collateralization Event (or 30 calendar days,
                      in the case of
                      an S&P Collateralization Event), either (i) post collateral according
                      to the terms of the 1994 ISDA Credit Support Annex to this
                      Schedule,
                      including Paragraph 13 thereof (the Credit
                      Support Annex),
                      (ii) furnish an Eligible Guarantee (as defined below) of Party
                      A's
                      obligations under this Agreement that is (in the case of an
                      S&P
                      Collateralization Event) subject to the satisfaction of the
                      S&P
                      Ratings Condition from a guarantor that satisfies the Hedge
                      Counterparty
                      Ratings Requirement (as defined herein), or (iii) obtain a
                      substitute
                      counterparty (and provide prior written notice to each Rating
                      Agency with
                      respect thereto) that (a) is reasonably acceptable to Party B, (b)
                      satisfies the Hedge Counterparty Ratings Requirement and (c)
                      assumes the
                      obligations of Party A under this Agreement (through an assignment
                      and assumption agreement in form and substance reasonably satisfactory
                      to
                      Party B) or replaces the outstanding Transactions hereunder with
                      transactions on identical terms, except that Party A shall be
                      replaced as counterparty, provided
                      that such substitute counterparty, as of the date of such assumption
                      or
                      replacement, must not, as a result thereof, be required to
                      withhold or
                      deduct on account of tax under the Agreement or the new transactions,
                      as
                      applicable, and such assumption or replacement must not lead
                      to a
                      termination event or event of default occurring in respect
                      of the new
                      transactions, as applicable, provided further,
                      that (in the case of an S&P Collateralization Event) satisfaction of
                      the S&P Ratings Condition shall be required for any transfer of any
                      Transactions under this Part 5(b)(2)(iii) unless such transfer
                      is in
                      connection with the assignment and assumption of this Agreement
                      by such
                      substitute counterparty without modification of its terms,
                      other than the
                      following terms: party name, dates relevant to the effective
                      date of such
                      transfer, tax representations (provided that the representations
                      in Part
                      2(a) are not modified) and any other representations regarding
                      the status
                      of the substitute counterparty of the type included in Section
                      (c) of this
                      Part 5 and notice information (in which case, Party A shall
                      provide
                      written notice to S&P with respect thereto). To the extent that Party
                      A elects or is required to post collateral pursuant to this
                      Part 5(b)(1)
                      following an S&P Collateralization Event, Party A shall deliver to
                      each Rating Agency (with a copy to the Trustee) within thirty
                      (30)
                      calendar days of the occurrence of such Collateralization Event
                      an opinion
                      acceptable to S&P as to the enforceability of the Credit Support Annex
                      and which confirms that, notwithstanding the commencement of
                      a case under
                      the Bankruptcy Code with respect to Party A, the collateral
                      will (a) be
                      available to meet swap obligations notwithstanding the automatic
                      stay and
                      (b) if delivered pre-bankruptcy, will not be subject to recovery
                      as
                      preferences or constructive fraudulent conveyances, in each
                      case subject
                      to standard qualifications and
                      assumptions.

                  

          

           

          Eligible
            Guarantee
            means an
            unconditional and irrevocable guarantee that is provided by a guarantor
            as
            principal debtor rather than surety and is directly enforceable by Party
            B,
            where either (A) a law firm has given a legal opinion confirming that
            none of
            the guarantor’s payments to Party B under such guarantee will be subject to
            withholding for Tax or (B) such guarantee provides that, in the event
            that any
            of such guarantor’s payments to Party B are subject to withholding for Tax, such
            guarantor is required to pay such additional amount as is necessary to
            ensure
            that the net amount actually received by Party B (free and clear of any
            withholding tax) will equal the full amount Party B would have received
            had no
            such withholding been required.

          

          An
            entity
            shall satisfy the Hedge
            Counterparty Ratings Requirement
            if (a)
            either (i) the unsecured, unguaranteed and otherwise unsupported short-term
            debt
            obligations of the entity are rated at least "A-1" by S&P or (ii) if the
            entity does not have a short-term rating from S&P, the unsecured,
            unguaranteed and otherwise unsupported long-term senior debt obligations
            of the
            entity are rated at least "A+" by S&P and (b) either (i) the unsecured,
            unguaranteed and otherwise unsupported long-term senior debt obligations
            of such
            entity are rated at least "A3" by Moody’s and the unsecured, unguaranteed and
            otherwise unsupported short-term debt obligations of such entity are
            rated at
            least "P-2" by Moody’s (if such entity has both a long-term and short-term
            rating from Moody's) or (ii) if such entity does not have a short-term
            debt
            rating from Moody’s, the unsecured, unguaranteed and otherwise unsupported
            long-term senior debt obligations of such entity are rated at least "A3"
            by
            Moody’s. For the purpose of this definition, no direct or indirect recourse
            against one or more shareholders of the entity (or against any Person
            in control
            of, or controlled by, or under common control with, any such shareholder)
            shall
            be deemed to constitute a guarantee, security or support of the obligations
            of
            the entity.

          

          S&P
            Ratings Condition
            shall
            mean prior written confirmation from S&P that a proposed action will not
            cause the downgrade or withdrawal of the then current ratings of any
            outstanding
            Certificates. 

           

          Rating
            Agency shall
            mean each of S&P and Moody's.

           

          
            	 	
                    (3)

                  	
                    It
                      shall be a ratings event (Ratings
                      Event)
                      if at any time after the date hereof (A) so long as S&P is currently
                      rating the Certificates and either (i) the unsecured, unguaranteed
                      and
                      otherwise unsupported long-term senior debt obligations of
                      each Relevant
                      Entity are rated "BB+" or below by S&P, (ii) the unsecured,
                      unguaranteed and otherwise unsupported short-term debt obligations
                      of each
                      Relevant Entity are rated “B” or below by S&P or (iii) if at any time
                      after the date hereof S&P withdraws all of each Relevant Entity’s
                      ratings and no longer rates any Relevant Entity (such event,
                      an
                      S&P
                      Ratings Event)
                      or (B) so long as Moody's is currently rating the Certificates
                      and either
                      (i) the unsecured, unguaranteed and otherwise unsupported long-term
                      senior
                      debt obligations of each Relevant Entity are unrated or rated
                      "Baa1" or
                      below by Moody’s (or such rating is withdrawn) or (ii) the unsecured,
                      unguaranteed and otherwise unsupported short-term debt obligations
                      of each
                      Relevant Entity are unrated or rated "P-3" or below by Moody's
                      (or such
                      rating is withdrawn) (such event, a Moody's
                      Ratings Event).

                  

          

           

          (4) Following
            a Ratings Event, Party A shall take the following actions:

           

          (a) in
            the
            case of an S&P Ratings Event, Party A, at its sole expense, shall (i)
            within 10 Business Days, subject to extension upon satisfaction of the
            S&P
            Ratings Condition, of the Ratings Event, obtain a substitute counterparty
            (and
            provide written notice to each Rating Agency with respect thereto), that
            (A)
            satisfies the Hedge Counterparty Ratings Requirement and (B) assumes
            the
            obligations of Party A under this Agreement (through an assignment and
            assumption agreement in form and substance reasonably satisfactory to
            Party B) or replaces the outstanding Transactions hereunder with
            transactions on identical terms, except that Party A shall be replaced as
            counterparty, provided
            that
            such substitute counterparty, as of the date of such assumption or replacement,
            must not, as a result thereof, be required to withhold or deduct on account
            of
            tax under the Agreement or the new transactions, as applicable, and such
            assumption or replacement must not lead to a termination event or event
            of
            default occurring in respect of the new transactions, as applicable;
            provided
            further
            that
            satisfaction of the S&P Ratings Condition shall be required within such 10
            Business Days or longer period, as applicable, for any transfer of any
            Transaction under this clause (a)(i) unless such transfer is in connection
            with
            the assignment and assumption of this Agreement without modification
            of its
            terms by such counterparty, other than the following terms: party name,
            dates
            relevant to the effective date of such transfer, tax representations
            (provided
            that the representations in Part 2(a) are not modified) and any other
            representations regarding the status of the substitute counterparty of
            the type
            included in Section (c) of this Part 5 and notice information (in which
            case,
            Party A shall provide prior written notice to S&P and the Trustee with
            respect thereto) and (ii) post collateral according to the terms of the
            Credit
            Support Annex; and

           

          (b) in
            the
            case of a Moody's Ratings Event, Party A, at its sole expense, shall (i)
            use commercially reasonable efforts to, as soon as reasonably practicable,
            (A)
            furnish an Eligible Guarantee of Party A's obligations under this Agreement
            from
            a guarantor that satisfies paragraph (b) of the definition of Hedge Counterparty
            Ratings Requirement or (B) obtain a substitute counterparty (and provide
            prior
            written notice to each Rating Agency with respect thereto) that (1) is
            reasonably acceptable to Party B, (2) satisfies the paragraph (b) of
            the
            definition of Hedge Counterparty Ratings Requirement and (3) assumes
            the
            obligations of Party A under this Agreement (through an assignment and
            assumption agreement in form and substance reasonably satisfactory to
            Party B)
            or replaces the outstanding Transactions hereunder with transactions
            on
            substantially the same terms, including rating triggers, credit support
            documentation and other provisions of this Agreement, except that Party
            A shall
            be replaced as counterparty, provided
            that
            such substitute counterparty, as of the date of such assumption or replacement,
            must not, as a result thereof, be required to withhold or deduct on account
            of
            tax under the Agreement or the new transactions, as applicable, and such
            assumption or replacement must not lead to a termination event or event
            of
            default occurring in respect of the new transactions, as applicable and
            (ii)
            post collateral according to the terms of the Credit Support Annex.

           

          Rating
            Agency Approval
            shall
            mean prior written confirmation from S&P and Moody's that such action will
            not cause them to downgrade or withdraw its then-current ratings of any
            outstanding Certificates.

          

          (c) Section
            3(a) of this Agreement is hereby amended to include the following additional
            representations after paragraph 3(a)(v):

           

          (vi)
            Eligible
            Contract Participant.
            It is an
            "eligible contract participant" as such term is defined in Section 35.1
            (b) (2)
            of the regulations (17 C.F.R. 35) promulgated under and as defined in
            Section
            1a(12) of the U.S. Commodity Exchange Act, as amended.

           

          (vii)
            Individual
            Negotiation.
            This
            Agreement and each Transaction hereunder is subject to individual negotiation
            by
            the parties.

           

          (viii)
            Relationship
            between Party A and Party B.
            Subject
            as provided in Part 5(f), each of Party A and Party B will be deemed
            to
            represent to the other on the date on which it enters into a Transaction
            or an
            amendment thereof that (absent a written agreement between Party A and
            Party B
            that expressly imposes affirmative obligations to the contrary for that
            Transaction):

           

          (1) Capacity.
            Party A
            represents to Party B on the date on which Party A enters into this Agreement
            that it is entering into the Agreement and the Transaction as principal
            and not
            as agent of any person. Party B represents to Party A on the date on
            which Party
            B enters into this Agreement it is entering into the Agreement and the
            Transaction in its capacity as Supplemental Interest Trust Trustee.

           

          (2) Non-Reliance.
            Party
            A
            is acting for its own account and with respect to Party B, the Trustee
            is
            executing this Agreement as trustee on behalf of the Trust. Each party
            has made
            its own independent decisions to enter into that Transaction and as to
            whether
            that Transaction is appropriate or proper for it based upon its own judgment
            and
            upon advice from such advisors as it has deemed necessary. It is not
            relying on
            any communication (written or oral) of the other party as investment
            advice or
            as a recommendation to enter into that Transaction; it being understood
            that
            information and explanations related to the terms and conditions of a
            Transaction shall not be considered investment advice or a recommendation
            to
            enter into that Transaction. No communication (written or oral) received
            from
            the other party shall be deemed to be an assurance or guarantee as to
            the
            expected results of that Transaction.

           

          (3) Evaluation
            and Understanding. It
            is
            capable of evaluating and understanding (on its own behalf or through
            independent professional advice), and understands and accepts, the terms,
            conditions and risks of this Agreement and each Transaction hereunder.
            It is
            also capable of assuming, and assumes, all financial and other risks
            of this
            Agreement and each Transaction hereunder. 

           

          (4) Status
            of Parties. The
            other
            party is not acting as a fiduciary or an advisor for it in respect of
            that
            Transaction. 

           

          (d) 
             Section 4 is hereby amended by adding the following new agreement:

           

          Actions
            Affecting Representations. Party
            B
            agrees not to take any action during the term of this Agreement or any
            Transaction hereunder that renders or could render any of the representations
            and warranties in this Agreement untrue, incorrect, or incomplete, and,
            if any
            event or condition occurs that renders or could render any such representation
            untrue, incorrect, or incomplete, Party B will immediately give written
            notice
            thereof to Party A.

           

          (e) 
             Transfer.
            

           

          (i) 
             Section
            7
            is hereby amended to read in its entirety as follows:

           

          Except
            as
            stated under Section 6(b)(ii), provided that to the extent Party A makes
            a
            transfer pursuant to Section 6(b)(ii) it will provide a prior written notice to
            the Rating Agencies of such transfer, neither Party A nor Party B is
            permitted
            to assign, novate or transfer (whether by way of security or otherwise)
            as a
            whole or in part any of its rights,
            obligations or interests under this Agreement or any Transaction without
            the
            prior written consent of the other party; provided,
            however,
            that
            (i) Party A may make such a transfer of this Agreement pursuant to a
            consolidation or amalgamation with, or merger with or into, or transfer
            of
            substantially all of its assets to, another entity, or an incorporation,
            reincorporation or reconstitution, and (ii) Party A may transfer this
            Agreement
            to any Person that is an office, branch or affiliate of Party A (any
            such
            Person, office, branch or affiliate, a Transferee)
            on at
            least five Business Days’ prior written notice to Party B; provided
            that,
            with respect to clause (ii), (A) as of the date of such transfer the
            Transferee
            will not be required to withhold or deduct on account of a Tax from any
            payments
            under this Agreement unless the Transferee will be required to make payments
            of
            additional amounts pursuant to Section 2(d)(i)(4) of this Agreement in
            respect
            of such Tax; (B) a Termination Event or Event of Default does not occur
            under
            this Agreement as a result of such transfer; (C) such notice is accompanied
            by a
            written instrument pursuant to which the Transferee acquires and assumes
            the
            rights and obligations of Party A so transferred; and (D) Party A will
            be
            responsible for any costs or expenses incurred in connection with such
            transfer.
            Party B will execute such documentation as is reasonably deemed necessary
            by
            Party A for the effectuation of any such transfer. Notwithstanding the
            foregoing, no transfer shall be made unless the transferring party obtains
            a
            written acknowledgment from each of the Rating Agencies that, notwithstanding
            such transfer, the then-current ratings of the Certificates will not
            be reduced
            or withdrawn,
            provided, however,
            that
            this provision shall not apply to any transfer that is made pursuant
            to the
            provisions of Part 5(b) of this Agreement.

           

          Except
            as
            specified otherwise in the documentation evidencing a transfer, a transfer
            of
            all the obligations of Party A made in compliance with this Section 7
            will
            constitute an acceptance and assumption of such obligations (and any
            related
            interests so transferred) by the Transferee, a novation of the transferee
            in
            place of Party A with respect to such obligations (and any related interests
            so
            transferred), and a release and discharge by Party B of Party A from,
            and an
            agreement by Party B not to make any claim for payment, liability, or
            otherwise
            against Party A with respect to, such obligations from and after the
            effective
            date of the transfer.

           

          In
            addition, Party A may transfer this Agreement without the prior written
            consent
            of the Trustee on behalf of Party B but with prior written notice to
            S&P and
            the Trustee, to an Affiliate of Party A that (i) satisfies the Hedge
            Counterparty Rating Requirements or that has furnished a guarantee, subject
            to
            S&P Ratings Condition, of the obligations under this Agreement from a
            guarantor that satisfies the Hedge Counterparty Rating Requirements and
            (ii) as
            of the date of such transfer such Affiliate will not be required to withhold
            or
            deduct on account of a Tax from any payments under this Agreement unless
            such
            Affiliate will be required to make payments of additional amounts pursuant
            to
            Section 2(d)(i)(4) of this Agreement in respect of such Tax; provided
            that
            satisfaction of the S&P Ratings Condition will be required unless such
            transfer is in connection with the assignment and assumption of this
            Agreement
            by such an Affiliate without modification of its terms, other than the
            following
            terms: party name, dates relevant to the effective date of such transfer,
            tax
            representations (provided that the representations in Part 2(a) are not
            modified) and any other representations regarding the status of such
            an
            Affiliate the substitute counterparty of the type included in Section
            (c) of
            this Part 5 and notice information (in which case, Party A shall provide
            written
            notice to S&P with respect thereto).

           

          
            	 	
                    (ii)

                  	
                    If
                      an Eligible Replacement has made a Firm Offer (which means
                      an offer that
                      will become legally binding upon acceptance by Party B) to
                      be the
                      transferee pursuant to a Permitted Transfer, Party B shall,
                      at Party A's
                      written request and at Party A's expense, take any reasonable
                      steps
                      required to be taken by Party B to effect such transfer.
                      

                  

          

           

          (f) 
             Trustee
            Capacity. It
            is
            expressly understood and agreed by the parties hereto that (i) this Agreement
            is
            executed and delivered by U.S. Bank National Association (the
            Trustee)
            not
            individually or personally but solely as trustee of the Supplemental
            Interest
            Trust created pursuant to the PSA (the Trust),
            in the
            exercise of the powers and authority conferred and vested in it under
            the PSA,
            (ii) each of the representations, undertakings and agreements herein
            made on the
            part of the Trust is made and intended not as personal representations,
            undertakings and agreements by the Trustee but is made and intended for
            the
            purpose of binding only the Trust, (iii) nothing herein contained shall
            be
            construed as creating any liability on the part of the Trustee, individually
            or
            personally, to perform any covenant either expressed or implied contained
            herein, all such liability, if any, being expressly waived by the parties
            hereto
            and by any Person claiming by, through or under the parties hereto and
            (iv)
            under no circumstances shall the Trustee be personally liable for the
            payment of
            any indebtedness or expenses of the Trust or be liable for the breach
            or failure
            of any obligation, representation, warranty or covenant made or undertaken
            by
            the Trust under this Agreement or any other related documents as to all
            of which
            recourse shall be had solely to the assets of the Trust in accordance
            with the
            terms of the Pooling and Servicing Agreement.

           

          (g) 
             Proceedings.
            Party A
            shall not institute against or cause any other person to institute against,
            or
            join any other person in instituting against Party B or the trust created
            pursuant to the Pooling and Servicing Agreement, any bankruptcy, reorganization,
            arrangement, insolvency or liquidation proceedings, or other proceedings
            under
            any federal or state bankruptcy, dissolution or similar law, for a period
            of one
            year and one day, or
            if
            longer the applicable preference period then in effect,
            following indefeasible payment in full of the Certificates.
            Nothing
            shall preclude, or be deemed to stop, Party A (i) from taking any action
            prior
            to the expiration of the aforementioned one year and one day period,
            or if
            longer the applicable preference period then in effect, in (A) any case
            or
            proceeding voluntarily filed or commenced by Party B or (B) any involuntary
            insolvency proceeding filed or commenced by a Person other than Party
            A, (ii)
            from commencing against Party B or any of the Mortgage Loans any legal
            action
            which is not a bankruptcy, reorganization, arrangement, insolvency, moratorium,
            liquidation or similar proceeding, or (iii) from taking any action (not
            otherwise mentioned in this paragraph) which will prevent an impairment
            of any
            right afforded to it under the PSA as a third party beneficiary. This
            provision
            shall survive termination of this Agreement.

           

          (h) 
             Change
            of Account.
            Section
            2(b) of this Agreement is hereby amended by the addition of the following
            after
            the word "delivery" in the first line thereof:-

           

          "to
            another account in the same legal and tax jurisdiction as the original
            account"

          

          (i) 
             No Set-off.
            Except
            as expressly provided for in Section 2(c) or Section 6 hereof, and
            notwithstanding any other provision of this Agreement or any other existing
            or
            future agreement, each party irrevocably waives any and all rights it
            may have
            to set off, net, recoup or otherwise withhold or suspend or condition
            payment or
            performance of any obligation between it and the other party hereunder
            against
            any obligation between it and the other party under any other agreements.
            Section 6(e) shall be amended by deleting the following sentence: "The
            amount,
            if any, payable in respect of an Early Termination Date and determined
            pursuant
            to this Section will be subject to any Set-off.".

           

          (j) 
             Notice
            of Certain Events or Circumstances.
            Each
            party agrees, upon learning of the occurrence or existence of any event
            or
            condition that constitutes (or that with the giving of notice or passage
            of time
            or both would constitute) an Event of Default or Termination Event with
            respect
            to such party, promptly to give the other party notice of such event
            or
            condition (or, in lieu of giving notice of such event or condition in
            the case
            of an event or condition that with the giving of notice or passage of
            time or
            both would constitute an Event of Default or Termination Event with respect
            to
            the party, to cause such event or condition to cease to exist before
            becoming an
            Event of Default or Termination Event); provided
            that
            failure to provide notice of such event or condition pursuant to this
            Part 5(j)
            shall not constitute an Event of Default or a Termination Event.

           

          (k) 
             Regarding
            Party A.
            Party
            B
            acknowledges and agrees that Party A has had and will have no involvement
            in
            and, accordingly Party A accepts no responsibility for: (i) the establishment,
            structure, or choice of assets of Party B; (ii) the selection of any
            person
            performing services for or acting on behalf of Party B; (iii) the selection
            of
            Party A as the Counterparty;
            (iv)
            the terms of the Certificates; (v) the preparation of or passing on the
            disclosure and other information contained in any offering circular for
            the
            Certificates, the PSA, or any other agreements or documents used by Party
            B or
            any other party in connection with the marketing and sale of the Certificates
            (other than information provided by Party A for purposes of the disclosure
            document relating to the Certificates); (vi) the ongoing operations and
            administration of Party B, including the furnishing of any information
            to Party
            B which is not specifically required under this Agreement; or (vii) any
            other
            aspect of Party B’s existence.

           

          (l) 
             Rating
            Agency Approval on Amendment.
            In
            addition to the requirements of Section 9, this Agreement will not be
            amended
            unless Party B shall have received Rating Agency Approval.
            

           

          (m) 
             Jurisdiction.
            Section
            13(b) is hereby amended by: (i) deleting in the second line of subparagraph
            (i)
            thereof the word "non-": and (ii) deleting the final paragraph
            thereof.

           

          (n) 
             Limited
            Recourse Non-petition.
            The
            liability of Party B in relation to this Agreement and any Confirmation
            hereunder is limited in recourse to assets in the Trust and payments
            of interest
            proceeds and principal proceeds thereon applied in accordance with the
            terms of
            the PSA. Upon application of all of the assets in the Trust (and proceeds
            thereon) in accordance with the PSA, Party A shall not be entitled to
            take any
            further steps against Party B to recover any sums due but still unpaid
            hereunder
            or thereunder, all claims in respect of which shall be
            extinguished.

           

          (o)
             Payments
            to Party A Subject to Priority of Payments. Party
            A
            hereby agrees that, notwithstanding any provision of this agreement to
            the
            contrary, Party B's obligations
            to pay any amounts owing under Section 6(e) of this Agreement where Party
            A is
            either the Defaulting Party or the sole Affected Party shall be subject
            to the
            payment priority described at Section 4.02 of the PSA and Party A's right
            to
            receive payment of such amounts shall be subject to the payment priority
            described at Section 4.02 of the PSA.

           

          (p)
             Waiver
            of Jury Trial.
            Each
            party waives, to the fullest extent permitted by applicable law, any
            right it
            may have to a trial by jury in respect of any suit, action or proceeding
            relating to this Agreement or any Credit Support Document. Each party
            certifies
            (i) that no representative, agent or attorney of the other party or any
            Credit
            Support Provider has represented, expressly or otherwise, that such other
            party
            would not, in the event of such a suit, action or proceeding, seek to
            enforce
            the foregoing waiver and (ii) acknowledges that it and the other party
            have been
            induced to enter into this Agreement and provide for any Credit Support
            Document, as applicable, by, among other things, the mutual waivers and
            certifications in this Section.

           

          (q)
             Consent
            to Recording.
            Each
            party (i) consents to the recording of the telephone conversations of
            trading
            and marketing personnel of the parties and their Affiliates in connection
            with
            this Agreement or any potential transaction and (ii) if applicable, agrees
            to
            obtain any necessary consent of, and give notice of such recording to,
            such
            personnel of it and its Affiliates. 

           

          (r)
             Severability.
            If any
            term, provision, covenant, or condition of this Agreement, or the application
            thereof to any party or circumstance, shall be held to be illegal, invalid
            or
            unenforceable (in whole or in part) for any reason, the remaining terms,
            provisions, covenants and conditions hereof shall continue in full force
            and
            effect as if this Agreement had been executed with the illegal, invalid
            or
            unenforceable portion eliminated, so long as this Agreement as so modified
            continues to express, without material change, the original intentions
            of the
            parties as to the subject matter of this Agreement and the deletion of
            such
            portion of this Agreement will not substantially impair the respective
            benefits
            or expectations of the parties to this Agreement.

           

          (s)
             Escrow
            Payments.
            If
            (whether by reason of the time difference between the cities in which
            payments
            are to be made or otherwise) it is not possible for simultaneous payments
            to be
            made on any date on which both parties are required to make payments
            hereunder,
            either party may at its option and in its sole discretion notify the
            other party
            that payments on that date are to be made in escrow. In this case deposit
            of the
            payment due earlier on that date shall be made by 2:00 pm (local time
            at the
            place for the earlier payment) on that date with an escrow agent selected
            by the
            notifying party, accompanied by irrevocable payment instructions (i)
            to release
            the deposited payment to the intended recipient upon receipt by the escrow
            agent
            of the required deposit of the corresponding payment from the other party
            on the
            same date accompanied by irrevocable payment instructions to the same
            effect or
            (ii) if the required deposit of the corresponding payment is not made
            on that
            same date, to return the payment deposited to the party that paid it
            into
            escrow. The party that elects to have payments made in escrow shall pay
            all
            costs of the escrow arrangements.

           

          (t)
             Compliance
            with Regulation AB. 

           

          (i) Party
            A
            agrees and acknowledges that Depositor (Depositor)
            is
            required under Regulation AB under the Securities Act of 1933, as amended,
            and
            the Securities Exchange Act of 1934, as amended (the Exchange
            Act)
            (Regulation
            AB),
            to
            disclose certain financial information regarding Party A or its group
            of
            affiliated entities, if applicable, depending on the aggregate “significance
            percentage” of this Agreement and any other derivative contracts between Party A
            or its group of affiliated entities, if applicable, and Party B, as calculated
            from time to time in accordance with Item 1115 of Regulation AB. 

           

          (ii) It
            shall
            be a swap disclosure event (Swap
            Disclosure Event)
            if, on
            any Business Day during the term of the Transaction, Depositor requests
            from
            Party A the applicable financial information described in Item 1115 of
            Regulation AB (such request to be based on a reasonable determination
            by
            Depositor, in good faith, that such information is required under Regulation
            AB
            as a result of the aggregate "significance percentage" exceeding 10%)
            (the
Swap
            Financial Disclosure).

           

          (iii) Upon
            the
            occurrence of a Swap Disclosure Event, Party A, at its own expense, shall
            (a)
            provide to Depositor the Swap Financial Disclosure, (b) secure another
            entity to
            replace Party A as party to this Agreement on terms substantially similar
            to
            this Agreement and subject to prior notification to the Rating Agencies,
            provided,
            that
            satisfaction of the S&P Ratings Condition shall be required for any transfer
            of any Transactions under this clause (iii) unless such transfer is in
            connection with the assignment and assumption of this Agreement by such
            substitute counterparty without modification of its terms, other than
            the
            following terms: party name, dates relevant to the effective date of
            such
            transfer, tax representations (provided that the representations in Part
            2(a)
            are not modified) and any other representations regarding the status
            of the
            substitute counterparty of the type included in Section (c) of this Part
            5 and
            notice information (in which case, Party A shall provide written notice
            to
            S&P with respect thereto), which entity (or a guarantor therefor) meets
            or
            exceeds the Hedge Counterparty Ratings Requirement and which entity is
            able to
            comply with the financial information disclosure requirements of Item
            1115 of
            Regulation AB or (c) obtain a guaranty of the Party A’s obligations under this
            Agreement from an affiliate of the Party A that is able to comply with
            the
            financial information disclosure requirements of Item 1115 of Regulation
            AB,
            such that disclosure provided in respect of the affiliate will satisfy
            any
            disclosure requirements applicable with respect to the Counterparty,
            and cause
            such affiliate to provide Swap Financial Disclosure. If permitted by
            Regulation
            AB, any required Swap Financial Disclosure may be provided by incorporation
            by
            reference from reports filed pursuant to the Exchange Act.

           

          (u)
             Third
            Party Beneficiary.
            

           

          Depositor
            shall be an express third party beneficiary of this Agreement as if a
            party
            hereto to the extent of the Depositor 's rights explicitly specified
            herein 

           

          (v)
             Credit
            Support Default. Section
            5(a)(iii)(1) of this Agreement is hereby deleted and replaced with the
            following:

           

          "(1)
            The
            occurrence of an Event of Default under any Credit Support Document if
            such
            Event of Default is continuing after any applicable grace period has
            elapsed;"

           

          (w)
             Tax.
            Notwithstanding the definition of “Indemnifiable Tax” in Section 14 of this
            Agreement, in relation to payments by Party A, any Tax shall be an Indemnifiable
            Tax and, in relation to payments by Party B, no Tax shall be an Indemnifiable
            Tax. The provisions of Section 2(d)(i)(4) and 2(d)(ii) of this Agreement
            shall
            not apply to Party B such that Party B shall not be required to pay any
            additional amounts referred to therein. 

           

          (x)
             Calculations.
            Notwithstanding Section 6 of this Agreement, so long as Party A is (A)
            the sole
 Affected
            Party (other than pursuant to an Illegality or a Tax Event) or (B) the
            Defaulting Party in  respect
            of any Event of Default, paragraphs (i) to (vii) below shall apply:

           

          (i)  Notwithstanding
            Part 1(f) hereof, “Market Quotation” shall apply, and the definition of “Market
            Quotation” shall be deleted in its entirety and replaced with the
            following:

           

          ““Market
            Quotation”
means,
            with respect to one or more Terminated Transactions, a Live Bid which
            is (1)
            made by a Reference Market-maker that is an Eligible Replacement, (2)
            for an
            amount that would be paid to Party B (expressed as a negative number)
            or by
            Party B (expressed as a positive number) in consideration of an agreement
            between Party B and such Reference Market-maker to enter into a transaction
            (the
“Replacement
            Transaction”)
            that
            would have the effect of preserving for such party the economic equivalent
            of
            any payment or delivery (whether the underlying obligation was absolute
            or
            contingent and assuming the satisfaction of each applicable condition
            precedent)
            by the parties under Section 2(a)(i) in respect of such Terminated Transactions
            or group of Terminated Transactions that would, but for the occurrence
            of the
            relevant Early Termination Date, have been required after that date,
            (3) made on
            the basis that Unpaid Amounts in respect of the Terminated Transaction
            or group
            of Transactions are to be excluded but, without limitation, any payment
            or
            delivery that would, but for the relevant Early Termination Date, have
            been
            required (assuming satisfaction of each applicable condition precedent)
            after
            that Early Termination Date is to be included and (4) made in respect
            of a
            Replacement Transaction with terms substantially the same as those of
            this
            Agreement (save for the exclusion of provisions relating to Transactions
            that
            are not Terminated Transactions).” 

           

          (ii)  The
            definition of “Settlement Amount” shall be deleted in its entirety and replaced
            with the following:

           

          “Settlement
            Amount”
means,
            with respect to any Early Termination Date, an amount (as determined
            by Party B
            based on information provided by the Reference Market-Maker) equal to
            the
            Termination Currency Equivalent of the amount (whether positive or negative)
            of
            any Market Quotation for the relevant Terminated Transaction or group
            of
            Terminated Transactions that is accepted by Party B so as to become legally
            binding, provided that:

           

          (1)        
            If,
            on
            the day falling ten Local Business Days after the day on which the Early
            Termination Date is designated or such later day as Party B may specify
            in
            writing to Party A (but in either case no later than the Early Termination
            Date)
            (such day the “Latest
            Settlement Amount Determination Day”),
            no
            Market Quotation for the relevant Terminated Transaction or group of
            Terminated
            Transactions has been accepted by Party B so as to become legally binding
            and
            one or more Market Quotations have been made and remain capable of becoming
            legally binding upon acceptance, the Settlement Amount shall equal the
            Termination Currency Equivalent of the amount (whether positive or negative)
            of
            the lowest of such Market Quotations (for the avoidance of doubt, the
            lowest of
            such Market Quotations shall be the lowest Market Quotation of such Market
            Quotations expressed as a positive number or, if any of such Market Quotations
            is expressed as a negative number, the Market Quotation expressed as
            a negative
            number with the largest absolute value); and

           

          (2)         If,
            on
            the Latest Settlement Amount Determination Day, no Market Quotation for
            the
            relevant Terminated Transaction or group of Terminated Transactions is
            accepted
            by Party B so as to become legally binding and no Market Quotations have
            been
            made and remain capable of becoming legally binding upon acceptance,
            the
            Settlement Amount shall equal Party B’s Loss (whether positive or negative and
            without reference to any Unpaid Amounts) for the relevant Terminated
            Transaction
            or group of Terminated Transactions.

           

          (iii)  For
            the
            purpose of clause (4) of the definition of Market Quotation, Party B
            shall
            determine, based on information provided by the Reference Market-Maker,
            whether
            a Live Bid is made in respect of a Replacement Transaction with commercial
            terms
            substantially the same as those of this Agreement (save for the exclusion
            of
            provisions relating to Transactions that are not Terminated
            Transactions).

           

          (iv)  At
            any
            time on or before the Latest Settlement Amount Determination Day at which
            two or
            more Market Quotations remain capable of becoming legally binding upon
            acceptance, Party B shall be entitled to accept only the lowest of such
            Market
            Quotations (for the avoidance of doubt, the lowest of such Market Quotations
            shall be the lowest Market Quotation of such Market Quotations expressed
            as a
            positive number or, if any of such Market Quotations is expressed as
            a negative
            number, the Market Quotation expressed as a negative number with the
            largest
            absolute value).

           

          (v)  If
            Party
            B requests Party A in writing to obtain Market Quotations, Party A shall
            use its
            reasonable efforts to do so before the Latest Settlement Amount Determination
            Day.

           

          (vi)  If
            the
            Settlement Amount is a negative number, Section 6(e)(i)(3) of this Agreement
            shall be deleted in its entirety and replaced with the following:

           

          “Second
            Method and Market Quotation.
            If
            Second Method and Market Quotation apply, (1) Party B shall pay to Party
            A an
            amount equal to the absolute value of the Settlement Amount in respect
            of the
            Terminated Transactions, (2) Party B shall pay to Party A the Termination
            Currency Equivalent of the Unpaid Amounts owing to Party A and (3) Party
            A shall
            pay to Party B the Termination Currency Equivalent of the Unpaid Amounts
            owing
            to Party B; provided that, (i) the amounts payable under (2) and (3)
            shall be
            subject to netting in accordance with Section 2(c) of this Agreement
            and (ii)
            notwithstanding any other provision of this Agreement, any amount payable
            by
            Party A under (3) shall not be netted-off against any amount payable
            by Party B
            under (1).”

           

          (vii)  For
            purposes of this Part 5(x), 

           

          “Eligible
            Replacement”
means
            an entity (A) satisfying the Hedge Counterparty Ratings Requirement or
            (B) whose
            present and future obligations owing to Party B are guaranteed pursuant
            to a
            guarantee provided by a guarantor satisfying the Hedge Counterparty Ratings
            Requirements. 

           

          “Live
            Bid”
means
            a
            firm quotation from a Reference Market-maker that is an Eligible Replacement
            which, when made, was capable of becoming legally binding upon
            acceptance.

           

          
            	
                    (y)

                  	
                    Rating
                      Agency Notifications.
                      Notwithstanding any other provision of this Agreement, this
                      Agreement
                      shall not be amended, no Early Termination Date shall be effectively
                      designated by Party B, and no transfer of any rights or obligations
                      under
                      this Agreement shall be made (other than a transfer of all
                      of Party A’s
                      rights and obligations with respect to this Agreement in accordance
                      with
                      Part 5(e) above) unless each Rating Agency has been given prior
                      written
                      notice of such amendment, designation or
                      transfer.

                  

          

           

          (z)
             Applicable
            Rating Agency.
            Rating
            triggers and other Rating Agency-related provisions herein apply only
            for so
            long as that particular Rating Agency is rating the certificates. 

           

          
            	
                    (aa)

                  	
                    Timing
                      of Payments by Party B upon Early Termination.
                      Notwithstanding anything to the contrary in Section 6(d)(ii),
                      to the
                      extent that all or a portion (in either case, the “Unfunded Amount”) of
                      any amount that is calculated as being due in respect of any
                      Early
                      Termination Date under Section 6(e) from Party B to Party A
                      will be paid
                      by Party B from amounts other than any upfront payment paid
                      to Party B by
                      an Eligible Replacement that has entered a Replacement Transaction
                      with
                      Party B, then such Unfunded Amount shall be due on the next
                      subsequent
                      Distribution Date following the date on which the payment would
                      have been
                      payable as determined in accordance with Section 6(d)(ii),
                      and on any
                      subsequent Distribution Dates until paid in full (or if such
                      Early
                      Termination Date is the final Distribution Date, on such final
                      Distribution Date); provided, however, that if the date on
                      which the
                      payment would have been payable as determined in accordance
                      with Section
                      6(d)(ii) is a Distribution Date, such payment will be payable
                      on such
                      Distribution Date.

                  

          

           

          
            
              
              

            

            
              
              

              
                

              

            

            
              
              

            

          

          IN
            WITNESS WHEREOF,
            the
            parties have executed this document by their duly authorized officers
            with
            effect from the date so specified on the first page hereof.

          

           

          
            	
                    Credit
                      Suisse International

                  	
                    U.S.
                      Bank National Association, 

                    not
                      individually, but solely as 

                    trustee
                      on behalf of the Supplemental Interest Trust created under
                      the
                      

                    Pooling
                      and Servicing Agreement for 

                    HOME
                      EQUITY MORTGAGE TRUST SERIES 2006-6, Home
                      Equity Mortgage Pass-Through Certificates, Series
                      2006-6

                  
	
                     

                     

                    By:_________________________________
                      

                    Name:

                    Title:

                  	
                     

                     

                    By:________________________________
                      

                    Name:

                    Title:

                  
	
                     

                     

                    By:_________________________________
                      

                    Name:

                    Title:

                  	 

          

          
 

        

      

      
        
          
          

        

        
          
          

          
            

          

        

        
          
          

          
          

        

      

      

       

      EXHIBIT
        DD

       

      FORM
        OF
        CONFIRMATION TO THE SWAP AGREEMENT

       

      
         

        \

        
          	 	
                   CREDIT
                    SUISSE INTERNATIONAL

                
	 	 One Cabot Square,	 Telephone 020 7888 8888
	 	 London E14 4QJ	 www.credit-suisse.com

        

        

        

        Facsimile
          Cover Sheet

        

        
          
            To:                                                 
              U.S.
              Bank
              National Association, not individually, but created
              under the Pooling and Servicing Agreement for the Home Equity Mortgage
              Trust 2006-6, Home Equity Mortgage Pass-Through Certificates, Series
              2006-6

          

        

         

        Attention:                                     
           Heakyung
          Chung, CSi Marketer

         

        Fax
          number:                                 
 To
          be
          delivered by Heakyung Chung

        

        Date:                                            
            29
          December 2006 

        

        Pages
          (including cover page):      5

        

        Our
          Reference
          No:                      
 External ID: 9366065NOV / Risk ID: 563560007

        

        Credit
          Suisse International has entered into a transaction with you as attached.
          Please
          find attached a letter agreement (the "Confirmation") which confirms the
          terms
          and conditions of the above transaction.

        

        If
          you
          agree with the terms specified therein, please
          arrange for the Confirmation to be signed by your authorised
          signatories
          and
          return a signed copy to this office to the facsimile listed below.

        

        
          	
                  For
                    Interest Rate Products:

                  Telephone
                    Numbers: (212) 538-9370

                  Facsimile
                    number: (917) 326-8603

                  Email:
                    list.otc-inc-accept-ny@credit-suisse.com

                	
                   

                	
                  For
                    Equity Derivatives:

                  Telephone
                    numbers: (212) 538-4437 / (212) 538-8297 / (212) 325-5119

                  Facsimile
                    number: (212) 325-8173

                
	 	 	 
	
                  For
                    Credit Derivatives:

                  Telephone
                    Numbers: (212) 538-9370

                  Facsimile
                    number: (917) 326-8603

                  Email:
                    list.otc-inc-accept-ny@credit-suisse.com

                	
                   

                	 

        

        

        We
          are
          delighted to have entered into this transaction with you.

        

        

        

        

        CONFIDENTIALITY
          NOTICE: This facsimile is intended only for the use of the individual or
          entity
          to which it is addressed and may contain information which is privileged
          and
          confidential. If the reader of this message is not the intended recipient
          or an
          employee or agent responsible for delivering the message to the intended
          recipient, you are hereby notified that any dissemination, distribution
          or
          copying of this communication is strictly prohibited. If you have received
          this
          communication in error, please notify us immediately by telephone and return
          the
          original message to us by mail. Thank you.

         

         

        
          	 	
                  Registered
                    Office as above. 

                  Registered
                    with unlimited liability in England under No. 2500199

                  Authorised
                    and regulated by The Financial Services Authority

                  VAT
                    No: GB 447 0737 41

                
	 	 

        

        
 

        
          
            
            

          

          
            
            

            
              

            

          

          
            
            

          

        

        Novation
          Confirmation

        

        Date:                                             
           29
          December 2006

        

        To:                                               
            U.S.
          Bank
          National Association, not individually, but solely as trustee on behalf
          of
          the Supplemental  Interest
          Trust created under the Pooling and Servicing
          Agreement for the Home Equity Mortgage  Trust
          2006-6, Home Equity Mortgage Pass-Through Certificates, Series
          2006-6

        

        To:                                                 
           Credit
          Suisse Management LLC

         

        From:                                           
            Credit
          Suisse International “CSi”

        

        Re:                                                
           Novation
          Transaction

        

        External
          ID:                                  
 9366065NOV 

        

        

        Dear
          Sir/Madam:

        

        The
          purpose of this letter is to confirm the terms and conditions of the Novation
          Transaction entered into between the parties and effective from the Novation
          Date specified below. This Novation Confirmation constitutes a “Confirmation” as
          referred to in the New Agreement specified below.

        

        1.
           The
          definitions and provisions contained in the 2004 ISDA Novation Definitions
          (the
“Definitions”) and
          the
          terms and provisions of the 2000 ISDA definitions (the “Product Definitions”),
          each as published by the International Swaps and Derivatives Association,
          Inc.
          and amended from time to time, are incorporated in this Novation Confirmation.
          In the event of any inconsistency between (i) the Definitions, (ii) the
          Product
          Definitions and/or (iii) the Novation Agreement and this Novation Confirmation,
          this Novation Confirmation will govern. In the event of any inconsistency
          between the Novation Confirmation and the New Confirmation, the New Confirmation
          will govern for the purpose of the New Transaction.

        

        2. The
          terms
          of the Novation Transaction to which this Novation Confirmation relates
          are as
          follows:

        

        
          	 	
                  Novation
                    Date:

                	
                  29
                    December 2006

                   

                
	 	
                  Novated
                    Amount:

                	
                  100%
                    of the Notional Amount as set out in the New Confirmation 

                   

                
	 	
                  Transferor:

                	
                  Credit
                    Suisse Management LLC

                   

                
	 	
                  Transferee:

                	
                  U.S.
                    Bank National Association, not individually, but solely as trustee
                    on
                    behalf of the Supplemental Interest Trust created under the Pooling
                    and
                    Servicing Agreement for the Home Equity Mortgage Trust 2006-6,
                    Home Equity
                    Mortgage Pass-Through Certificates, Series 2006-6

                   

                
	 	
                  Remaining
                    Party:

                	
                  Credit
                    Suisse International

                   

                   

                
	 	
                  New
                    Agreement (between Transferee and Remaining Party):

                	
                  1992
                    ISDA Master Agreement dated as of  29
                    December 2006

                

        

        

        

        3.
           The
          terms
          of the Old Transaction to which this Novation Confirmation relates, for
          identification purposes, are as follows:

        

        
          	 	
                  Trade
                    Date of Old Transaction:

                	
                  21
                    December 2006

                   

                
	 	
                  Effective
                    Date of Old Transaction:

                	
                  29
                    December 2006

                   

                
	 	
                  Termination
                    Date of Old Transaction:

                	
                  25
                    December 2011

                

        

        

        

        4. The
          terms
          of the New
          Transaction to which this Novation Confirmation relates shall be as specified
          in
          the New Confirmation attached hereto as Exhibit A.

        

        
          	 	
                  Full
                    First Calculation Period:

                	
                  Applicable
                    

                

        

        

        5. Miscellaneous
          Provisions:

         

        
          	 	
                  Non-Reliance:

                	
                  Applicable

                

        

        

        

        For
          the
          purpose of facilitating this Transaction, an Affiliate of CSi, which is
          organized in the United States of America (the “Agent”), has acted as agent for
          CSi. The Agent is not a principal with respect to this Transaction and
          shall
          have no responsibility or liability to the parties as a principal with
          respect
          to this Transaction.

        

        Credit
          Suisse International is authorized and regulated by the Financial Services
          Authority and has entered into this transaction as principal. The time
          at which
          the above transaction was executed will be notified to the parties on
          request.

        
          
            
            

          

          
            
            

            
              

            

          

          
            
            

          

        

        

        

        The
          parties confirm their acceptance to be bound by this Novation Confirmation
          as of
          the Novation Date by executing a copy of this Novation Confirmation and
          returning it to us. The Transferor, by its execution of a copy of this
          Novation
          Confirmation, agrees to the terms of the Novation Confirmation as it relates
          to
          the Old Transaction. The Transferee, by its execution of a copy of this
          Novation
          Confirmation, agrees to the terms of the Novation Confirmation as it relates
          to
          the New Transaction. 

         

         

        Credit
          Suisse International

        

        By:
          .......................................

        Name: 

        Title: 

        

         

        Credit
          Suisse Management LLC

        

        By:
          ....................................

        Name:

        Title:

         

        

        

        U.S.
          Bank
          National Association, not in its individual capacity, but solely as trustee
          on
          behalf of the Supplemental Interest Trust created under the Pooling and
          Servicing Agreement for the Home Equity Mortgage Trust 2006-6, Home Equity
          Mortgage Pass-Through Certificates, Series 2006-6

        

        

        By:
          .............................................

        Name: 

        Title: 

         

         

        Our
          Reference No: External ID: 9366065NOV / Risk ID: 563560007

        

        

        EXHIBIT
          A

        

        This
          New
          Confirmation amends, restates and supersedes in its entirety all Confirmation(s)
          dated prior to the date hereof in respect of this New Transaction.

        

        

        

        
          
            
            

          

          
            
            

            
              

            

          

          
            
            

          

        

      

       

      
        \

        
          	 	
                   CREDIT
                    SUISSE INTERNATIONAL

                
	 	 One Cabot Square,	 Telephone 020 7888 8888
	 	 London E14 4QJ	 www.credit-suisse.com

        

         

        
          

          

          Facsimile
            Cover Sheet

          

          To:                                              U.S.
            Bank
            National Association, not individually, but solely as trustee on behalf
            of the
            Supplemental Interest Trust created under
            the
            Pooling Servicing Agreement for the Home Equity Mortgage Trust 2006-6,
            Home
            Equity Mortgage Pass-Through Certificates, Series 2006-6

           

          Attention:                                   Heakyung
            Chung, CSi Marketer

           

          Fax
            number:                               To
            be
            delivered by Heakyung Chung

          

          Date:                                           29
            December 2006

          

          Pages
            (including cover page):  9
            

          

          Our
            Reference
            No:                    External
            ID: 9366065N3 / Risk ID: 563560007

          

          Credit
            Suisse International has entered into a transaction with you as attached.
            Please
            find attached a letter agreement (the "Confirmation") which confirms
            the terms
            and conditions of the above transaction.

          

          If
            you
            agree with the terms specified therein, please
            arrange for the Confirmation to be signed by your authorised
            signatories
            and
            return a signed copy to this office to the facsimile listed below.

          

          
            	
                    For
                      Interest Rate Products:

                    Telephone
                      Numbers: (212) 538-9370

                    Facsimile
                      number: (917) 326-8603

                    Email:
                      list.otc-inc-accept-ny@credit-suisse.com

                  	
                     

                  	
                    For
                      Equity Derivatives:

                    Telephone
                      numbers: (212) 538-4437 / (212) 538-8297 / (212) 325-5119

                    Facsimile
                      number: (212) 325-8173

                  
	 	 	 
	
                    For
                      Credit Derivatives:

                    Telephone
                      Numbers: (212) 538-9370

                    Facsimile
                      number: (917) 326-8603

                    Email:
                      list.otc-inc-accept-ny@credit-suisse.com

                  	
                     

                  	 

          

          

          We
            are delighted to have entered into this transaction with
            you.

          

          

          

          CONFIDENTIALITY
            NOTICE: This facsimile is intended only for the use of the individual
            or entity
            to which it is addressed and may contain information which is privileged
            and
            confidential. If the reader of this message is not the intended recipient
            or an
            employee or agent responsible for delivering the message to the intended
            recipient, you are hereby notified that any dissemination, distribution
            or
            copying of this communication is strictly prohibited. If you have received
            this
            communication in error, please notify us immediately by telephone and
            return the
            original message to us by mail. Thank you.

           

           

          
            	 	
                    Registered
                      Office as above

                    Registered
                      with unlimited liability in England under No. 2500199

                    Authorised
                      and Regulated by the Financial Services Authority

                    VAT
                      No: GB 447 0737 41

                  
	 	 

          

           

          
            
              
              

            

            
              
              

              
                

              

            

            
              
              

            

          

          29
            December 2006

          

          U.S.
            Bank
            National Association, not individually, but solely as trustee on behalf
            of the
            Supplemental Interest Trust created under the Pooling Servicing Agreement
            for
            the Home Equity Mortgage Trust 2006-6, Home Equity Mortgage Pass-Through
            Certificates, Series 2006-6

           

          

          External
            ID: 9366065N3

          

          ______________________________________________________________________________

          

          Dear
            Sir/Madam

          

          The
            purpose of this letter agreement (this "Confirmation") is to confirm
            the terms
            and conditions of the Transaction entered into between us on the Trade
            Date
            specified below (the "Transaction"). This Confirmation constitutes a
            "Confirmation" as referred to in the Agreement specified below.

          

          In
            this Confirmation "CSi" means Credit Suisse International and "Counterparty"
            means U.S. Bank National Association, not individually, but solely as
            trustee on
            behalf of the Supplemental Interest Trust created under the Pooling Servicing
            Agreement for the Home Equity Mortgage Trust 2006-6, Home Equity Mortgage
            Pass
            Through Certificates, Series 2006-6.

          

          

          
            	
                    1.

                  	
                    The
                      definitions and provisions contained in the 2000 ISDA Definitions
                      (as
                      published by the International Swaps and Derivatives Association,
                      Inc.)
                      (the "Definitions") are incorporated into this Confirmation.
                      In the event
                      of any inconsistency between those definitions and provisions
                      and this
                      Confirmation, this Confirmation will govern. References herein
                      to a
                      "Transaction" shall be deemed to be references to a "Swap Transaction"
                      for
                      the purposes of the 2000 ISDA
                      Definitions.

                  

          

          
            	 	
                    This
                      Confirmation supplements, forms part of, and is subject to,
                      the 1992 ISDA
                      Master Agreement dated as of 29 December 2006 as amended and
                      supplemented
                      from time to time (the "Agreement"), between you and us. All
                      provisions
                      contained in the Agreement govern this Confirmation except
                      as expressly
                      modified below.

                  

          

          

          
            	 	
                    CSi
                      and Counterparty each represents to the other that it has entered
                      into
                      this Swap Transaction in reliance upon such tax, accounting,
                      regulatory,
                      legal, and financial advice as it deems necessary and not upon
                      any view
                      expressed by the other.

                  

          

          

          
            	 	
                    Capitalized
                      terms used but not defined herein or in the Definitions shall
                      have the
                      meanings given to such terms in the Pooling and Servicing Agreement
                      dated
                      as of December 1, 2006, among Credit Suisse First Boston Mortgage
                      Securities Corp. as Depositor, DLJ Mortgage Captial, Inc. as
                      Seller,
                      Select Portfolio Servicing, Inc. as Servicer and U.S. Bank
                      National
                      Association as Trustee for Home Equity Mortgage Trust 2006-6,
                      as amended
                      and supplemented from time to time (the "PSA
                      ").

                  

          

          

          
            	
                    2.

                  	
                    The
                      terms of the particular Transaction to which this Confirmation
                      relates are
                      as follows:

                  

          

          

          Notional
            Amount:                           
 For
            any
            Payment Date:

           

          1.
            If the
            aggregate Class Principal Balance of the Offered Certificates (other
            than the
            Class A-R Certificates) for the immediately preceding Distribution Date
            after
            giving effect to distributions on such preceding Distribution Date (or
            as of the
            Closing Date for the first Payment Date) is greater than the Lower Bound
            and
            less than the Upper Bound, the Notional Amount will be the aggregate
            class
            principal balance of the Offered Certificates (other than the Class A-R
            Certificates) for the immediately preceding Distribution Date after giving
            effect to distributions on such preceding Distribution Date (or as of
            the
            Closing Date for the first Distribution Date).

           

          2.
            If the
            aggregate Class Principal Balance of the Offered Certificates (other
            than the
            Class A-R Certificates) for the immediately preceding Distribution Date
            after
            giving effect to distributions on such preceding Distribution Date (or
            as of the
            Closing Date for the first Payment Date) is less than or equal to the
            Lower
            Bound, the Notional Amount will be the Lower Bound.

          

          3.
            If the
            aggregate Class Principal Balance of the Offered Certificates (other
            than the
            Class A-R Certificates) for the immediately preceding Distribution Date
            after
            giving effect to distributions on such preceding Distribution Date (or
            as of the
            Closing Date for the first Payment Date) is greater than or equal to
            the Upper
            Bound, the Notional Amount will be the Upper Bound.

          

          Trade
            Date:                                          
 21
            December 2006

          

          Effective
            Date:                                    
 29
            December 2006

          

          
            	 	 	
                    Termination
                      Date:

                  	
                    25
                      December 2011, subject to adjustment in accordance with the
                      Following
                      Business Day Convention

                  

          

          

          Fixed
            Amounts:

          

          Fixed
            Rate
            Payer:                                
 Counterparty
            

           

          Fixed
            Rate Payer

          Period
            End
            Dates:                                 The
            25th
            calendar
            day of each month, commencing on 25 January 2007, subject to No
            Adjustment.

           

          Fixed
            Rate Payer Payment 

          Dates:                                                   
             One
            Business Day prior to Fixed Rate Payer Period End Date.

          

          

          Fixed
            Rate Payer

          Initial
            Calculation
            Period                  
 From
            and
            including 29 December 2006 up to but excluding the Fixed Rate Payer Period
            End
            Date scheduled to occur on 25 January 2007.

          

          

          Fixed
            Rate:                                          
 5.250
            %
            per annum

          

          Fixed
            Rate

          Day
            Count
            Fraction:                            
 30/360
            

          

          Floating
            Amounts:

          

          Floating
            Rate
            Payer:                           
 CSi
            

          

          Floating
            Rate Payer 

          Period
            End
            Dates:                              The
            25th
            calendar
            day of each month commencing on 25 January 2007, subject to adjustment
            in
            accordance with the Following Business Day Convention.  

           

          Floating
            Rate Payer

          Payment
            Dates:                                   
 One
            Business Day prior to the Fixed Rate Payer Period End Date.

          

          Floating
            Rate Payer

          Initial
            Calculation
            Period                  
 From
            and
            including 29 December 2006 up to but excluding the Floating Rate payer
            Period
            End Date scheduled to occur on 25 January 2007.

          

          
            	 	 	
                    Floating
                      Rate Option:

                  	
                    USD-LIBOR-BBA
                      

                  

          

          

          
            	 	 	
                    Designated
                      Maturity: 

                  	
                    1
                      Month

                  

          

           

          Floating
            Rate

          Day
            Count
            Fraction:                           
 Actual/360
            

          

          
            	 	 	
                    Reset
                      Dates:

                  	
                    The
                      first day of each Calculation Period

                  

          

           

          Compounding:                                     
             Inapplicable
            

          

          Business
            Day:            
   
            New
            York, Illinois, Minnesota or Utah

          

          

          Calculation
            Agent:                                             
 CSi
            

          

          3.         
             Upfront
            Payment:

          

          Upfront
            Payer:                                    
 Counterparty

          

          Upfront
            Amount:                                 
 USD
            150,000

          

          Upfront
            Payment
            Date:                     
 
            Effective Date 

          

          

          
            	
                    4.

                  	
                    Account
                      Details: 

                  

          

          

          Payments
            to
            CSi:                                 
 As
            advised separately in writing 

          

          Payments
            to
            Counterparty:               
 
            U.S.
            Bank National Association 

          ABA:
             091000022 

          DDA:
             173103322058 

          Ref:
              CSFBMSC HEMT 2006-6 

          Attn:
             Josh Wilkening

          

          

          5.         
             Calculation
            of Market Quotation or Loss following a designation of an Early Termination
            Date: 

          

          Upon
            designation of an Early Termination Date with respect to this Transaction,
            the
            relevant party in calculating the Market Quotation or Loss, as appropriate,
            for
            this Transaction shall take into account the anticipated amortization
            of the
            aggregate Class Principal Balance of the Offered Certificates for all
            Calculation Periods that would otherwise have ended on Period End Dates
            that
            would otherwise have fallen after such Early Termination Date.

          

          For
            the
            purpose of facilitating this Transaction, an Affiliate of CSi, which
            is
            organized in the United States of America (the “Agent”), has acted as agent for
            CSi. The Agent is not a principal with respect to this Transaction and
            shall
            have no responsibility or liability to the parties as a principal with
            respect
            to this Transaction.

          

          Credit
            Suisse International is authorized and regulated by the Financial Services
            Authority and has entered into this transaction as principal. The time
            at which
            the above transaction was executed will be notified to Counterparty on
            request.

          

          

          
            
              
              

            

            
              
              

              
                

              

            

            
              
              

            

          

           

          

          ADDITIONAL
            TERMS

           

          
            	
                    Distribution
                      Date

                  	
                    Lower
                      Bound

                  	
                    Upper
                      Bound

                  
	 	 	 
	
                    1/25/2007

                  	
                    272,525,000

                  	
                    272,525,000

                  
	
                    2/25/2007

                  	
                    267,183,510

                  	
                    267,216,213

                  
	
                    3/25/2007

                  	
                    261,542,243

                  	
                    261,637,626

                  
	
                    4/25/2007

                  	
                    254,647,360

                  	
                    255,772,888

                  
	
                    5/25/2007

                  	
                    245,681,288

                  	
                    249,641,076

                  
	
                    6/25/2007

                  	
                    236,360,933

                  	
                    243,250,365

                  
	
                    7/25/2007

                  	
                    229,057,263

                  	
                    236,625,282

                  
	
                    8/25/2007

                  	
                    220,963,270

                  	
                    229,774,003

                  
	
                    9/25/2007

                  	
                    210,144,028

                  	
                    222,726,507

                  
	
                    10/25/2007

                  	
                    200,142,360

                  	
                    215,864,327

                  
	
                    11/25/2007

                  	
                    188,423,785

                  	
                    209,192,915

                  
	
                    12/25/2007

                  	
                    175,342,585

                  	
                    202,706,820

                  
	
                    1/25/2008

                  	
                    164,768,615

                  	
                    196,397,867

                  
	
                    2/25/2008

                  	
                    154,112,888

                  	
                    190,263,329

                  
	
                    3/25/2008

                  	
                    144,274,735

                  	
                    184,303,207

                  
	
                    4/25/2008

                  	
                    136,807,550

                  	
                    178,503,875

                  
	
                    5/25/2008

                  	
                    129,803,658

                  	
                    172,870,783

                  
	
                    6/25/2008

                  	
                    124,407,663

                  	
                    167,393,031

                  
	
                    7/25/2008

                  	
                    119,120,678

                  	
                    162,073,343

                  
	
                    8/25/2008

                  	
                    113,670,178

                  	
                    156,903,544

                  
	
                    9/25/2008

                  	
                    107,293,093

                  	
                    151,883,633

                  
	
                    10/25/2008

                  	
                    100,479,968

                  	
                    147,005,436

                  
	
                    11/25/2008

                  	
                    92,276,965

                  	
                    142,266,226

                  
	
                    12/25/2008

                  	
                    85,790,870

                  	
                    137,666,004

                  
	
                    1/25/2009

                  	
                    80,204,108

                  	
                    133,204,770

                  
	
                    2/25/2009

                  	
                    74,944,375

                  	
                    128,874,347

                  
	
                    3/25/2009

                  	
                    69,902,663

                  	
                    124,672,012

                  
	
                    4/25/2009

                  	
                    64,615,678

                  	
                    120,597,763

                  
	
                    5/25/2009

                  	
                    61,263,620

                  	
                    116,643,425

                  
	
                    6/25/2009

                  	
                    57,039,483

                  	
                    112,811,724

                  
	
                    7/25/2009

                  	
                    54,041,708

                  	
                    109,094,483

                  
	
                    8/25/2009

                  	
                    50,471,630

                  	
                    105,486,252

                  
	
                    9/25/2009

                  	
                    47,283,088

                  	
                    102,000,657

                  
	
                    10/25/2009

                  	
                    43,494,990

                  	
                    98,629,523

                  
	
                    11/25/2009

                  	
                    39,625,135

                  	
                    95,367,399

                  
	
                    12/25/2009

                  	
                    36,763,623

                  	
                    92,211,559

                  
	
                    1/25/2010

                  	
                    34,147,383

                  	
                    89,162,004

                  
	
                    2/25/2010

                  	
                    -

                  	
                    86,213,284

                  
	
                    Distribution
                      Date

                  	
                    Lower
                      Bound

                  	
                    Upper
                      Bound

                  
	
                    3/25/2010

                  	
                    -

                  	
                    83,359,947

                  
	
                    4/25/2010

                  	
                    -

                  	
                    80,596,544

                  
	
                    5/25/2010

                  	
                    -

                  	
                    77,931,249

                  
	
                    6/25/2010

                  	
                    -

                  	
                    75,350,437

                  
	
                    7/25/2010

                  	
                    -

                  	
                    72,854,108

                  
	
                    8/25/2010

                  	
                    -

                  	
                    70,439,537

                  
	
                    9/25/2010

                  	
                    -

                  	
                    68,106,723

                  
	
                    10/25/2010

                  	
                    -

                  	
                    65,847,491

                  
	
                    11/25/2010

                  	
                    -

                  	
                    63,664,565

                  
	
                    12/25/2010

                  	
                    -

                  	
                    61,555,222

                  
	
                    1/25/2011

                  	
                    -

                  	
                    59,514,010

                  
	
                    2/25/2011

                  	
                    -

                  	
                    57,538,203

                  
	
                    3/25/2011

                  	
                    -

                  	
                    55,630,528

                  
	
                    4/25/2011

                  	
                    -

                  	
                    53,785,534

                  
	
                    5/25/2011

                  	
                    -

                  	
                    52,000,495

                  
	
                    6/25/2011

                  	
                    -

                  	
                    50,272,687

                  
	
                    7/25/2011

                  	
                    -

                  	
                    48,604,834

                  
	
                    8/25/2011

                  	
                    -

                  	
                    46,988,761

                  
	
                    9/25/2011

                  	
                    -

                  	
                    45,427,192

                  
	
                    10/25/2011

                  	
                    -

                  	
                    43,917,404

                  
	
                    11/25/2011

                  	
                    -

                  	
                    42,459,395

                  
	
                    12/25/2011

                  	
                    -

                  	
                    41,044,990

                  

          

          

        

        
           

          

          
            
              
              

            

            
              
              

              
                

              

            

            
              
              

            

          

          

          Please
            confirm that the foregoing correctly sets forth the terms of our agreement
            by
            signing and returning this Confirmation.

          

          

          Yours
            faithfully,

          

          Credit
            Suisse International

          

          

          By:______________________________

          Name:
            

          Title:

           

          

          

          

          Confirmed
            as of the date first written above:

          

          U.S.
            Bank
            National Association, not individually, but solely as trustee on behalf
            of the
            Supplemental Interest Trust created under the Pooling Servicing Agreement
            for
            the Home Equity Mortgage Trust 2006-6, Home Equity Mortgage Pass-Through
            Certificates, Series 2006-6

          

          

          By:________________________________

          Name:

          Title:

           

          

           

          Our
            Reference No: External ID: 9366065N3 / Risk ID: 563560007

          

           

          
            
              
              

            

            
              
              

              
                

              

            

            
              
              

            

          

        

      

       

      

        

        Elections
          and Variables

        to
          the ISDA Credit Support Annex

        dated
          as of December
          29,
          2006

        between

        

        

        
          	
                  Credit
                    Suisse International

                	
                   

                   

                  and

                	
                  U.S.
                    Bank National Association, not individually, but solely as trustee
                    on
                    behalf of the Supplemental Interest Trust created under the Pooling
                    and
                    Servicing Agreement for HOME EQUITY MORTGAGE TRUST SERIES 2006-6,
                    Home
                    Equity Mortgage Pass-Through Certificates, Series
                    2006-6

                
	
                  _______________________________________

                  ("Party
                    A")

                	 	
                  _________________________________________

                  ("Party
                    B")

                

        

        

        

        Paragraph
          13.

        

        (a)        
           Security
          Interest for "Obligations".

        

        The
          term
          "Obligations"
          as used
          in this Annex includes the following additional obligations:

        

        With
          respect to Party A:     None.

        

        With
          respect to Party B:     None.

        

        
          	
                  (b)

                	
                  Credit
                    Support Obligations.

                

        

        

        
          	 	
                  (i)

                	
                  Delivery
                    Amount, Return Amount and Credit Support
                    Amount.

                

        

        

        (A) "Delivery
          Amount"
          has the
          meaning specified in Paragraph 3(a), except that the words "upon a demand
          made
          by the Secured Party" shall be deleted and the word "that" on the second
          line of
          Paragraph 3(a) shall be replaced with the word "a". 

        

        (B) Paragraph
          4(b) is hereby amended by the insertion of the words "(i) in respect of
          a
          Transfer pursuant to Paragraph 3(b)," immediately prior to the words "if
          a
          demand for" and the insertion of the words "; and (ii) in respect of a
          Transfer
          pursuant to Paragraph 3(a), the relevant Transfer will be made not later
          than
          the close of business on the Local Business Day following the Valuation
          Date"
          immediately prior to the period.

        

        (C) "Return
          Amount"
          has the
          meaning specified in Paragraph 3(b).

        

        (D) "Credit
          Support Amount"
          for a
          Valuation Date shall mean zero; provided
          that,
          if
          the Threshold in respect of Party A is zero on such Valuation Date,
          "Credit
          Support Amount"
          shall
          mean one of the following if one of the following specified events have
          occurred
          on such Valuation Date:

        

        
          	 	
                  (i)

                	
                  if
                    a Moody's Collateralization Event has occurred and is continuing
                    but (a)
                    no Moody's Rating Event has occurred and is continuing or (b)
                    less than 30
                    Local Business Day have elapsed since the last time that no Moody's
                    Rating
                    Event had occurred and was continuing, "Credit
                    Support Amount"
                    shall mean an amount in USD equal to the greater of (1) the sum
                    of (a) the
                    Secured Party’s Exposure and (b) the First Trigger Collateral Amount (as
                    defined below) for each Transaction hereunder and (2)
                    zero;

                

        

        

        
          	 	
                  (ii)

                	
                  so
                    long as a Moody's Ratings Event has occurred and is continuing
                    and 30 or
                    more Local Business Days have elapsed since the last time that
                    no Moody's
                    Rating Event had occurred and was continuing, "Credit
                    Support Amount"
                    shall mean an amount in USD equal to the greatest of (1) the
                    sum of (a)
                    the Secured Party’s Exposure and (b) the Second Trigger Collateral Amount
                    (as defined below) for each Transaction hereunder, (2) an amount
                    equal to
                    the Floating Amount payable by Party A pursuant to each Transaction
                    hereunder in respect of the first Floating Rate Payer Payment
                    Date
                    scheduled to occur on or after such Valuation Date and (3) zero;
                    and

                

        

        

        
          	 	 	
                  (iii)

                	
                  if
                    an S&P Collateralization Event or an S&P Ratings Event has
                    occurred and is continuing, "Credit
                    Support Amount"
                    shall mean an amount in USD equal to the greater of (1) the sum
                    of (a) the
                    Secured Party's Exposure and (b) the Notional Volatility Buffer
                    and (2)
                    zero.
                    "Notional
                    Volatility Buffer",
                    as determined by the Valuation Agent for any date, means the
                    product of
                    (i) the Notional Amount of the Transaction on such date, (ii)
                    the Payment
                    Factor, and (iii) the Volatility Buffer Percentage for such date
                    as set
                    out in the table below on such date,

                

        

         

        
          	
                  Party
                    A S&P Rating on such date

                	
                  Remaining
                    Weighted Average Life Maturity up to 3 years

                	
                  Remaining
                    Weighted Average Life Maturity up to 5 years

                	
                  Remaining
                    Weighted Average Life Maturity up
                    to 10 years

                	
                  Remaining
                    Weighted Average Life Maturity up
                    to 30 years

                
	
                  S&P
                    S-T Rating of "A-1" or above

                	
                  0.00%

                	
                  0.00%

                	
                  0.00%

                	
                  0.00%

                
	
                  S&P
                    S-T Rating of “A-2”

                	
                  2.75%

                	
                  3.25%

                	
                  4.0%

                	
                  4.75%

                
	
                  S&P
                    S-T Rating of “A-3”

                	
                  3.25%

                	
                  4.00%

                	
                  5.0%

                	
                  6.25%

                
	
                  S&P
                    L-T Rating of “BB+”
                    or
                    lower

                	
                  3.50%

                	
                  4.50%

                	
                  6.75%

                	
                  7.50%

                

        

        

        L-T
          Rating
          means
          with respect to any Person, the unsecured, unguaranteed and otherwise
          unsupported long-term senior debt obligations of such Person. 

        

        S-T
          Rating
          means
          with respect to any Person, the unsecured, unguaranteed and otherwise
          unsupported short-term debt obligations of such Person.

        

        Payment
          Factor
          means
          1.

        

        In
          circumstances where more than one of Paragraph 13(b)(i)(C)(i), (ii) and
          (iii)
          apply, the Credit Support Amount shall be calculated by reference to the
          paragraph which would result in Party A Transferring the greatest amount
          of
          Eligible Credit Support. Under no circumstances will Party A be required
          to
          Transfer more Eligible Credit Support than the greatest amount calculated
          in
          accordance with one of Paragraph 13(b)(i)(C)(i), (ii) or (iii).

        

        First
          Trigger Collateral Amount
          means,
          in respect of each Transaction hereunder on any date, an amount in USD
          equal to
          the Notional Amount of such Transaction on such date multiplied by the
          Applicable Percentage set forth in the table in Exhibit A hereto.

        

        Second
          Trigger Collateral Amount
          means,
          in respect of each Transaction hereunder on any date, an amount in USD
          equal to
          the Notional Amount of such Transaction on such date multiplied by the
          Applicable Percentage set forth in the applicable table in Exhibit B
          hereto.

        

        
          	 	
                  (ii)

                	
                  Eligible
                    Collateral.
                    On
                    any date, the following items will qualify as "Eligible
                    Collateral"
                    for Party A:

                

        

        

        (A) Valuation
          Percentage S&P

        

        
          	
                  (i)            
                     Cash

                	
                  100%

                
	 	 
	
                  (ii)       
                     Negotiable
                    debt obligations issued after 18 July 1984 by the U.S. Treasury
                    Department
                    having a residual maturity on such date of less than 1
                    year

                	
                  98.0%

                
	 	 
	
                  (iii)      
                     Coupon-bearing
                    negotiable debt obligations issued after 18 July 1984 by the
                    U.S. Treasury
                    Department having a residual maturity on such date equal to or
                    greater
                    than 1 year but less than 5 years

                	
                  93.8%

                
	 	 
	
                     
                    (iv)        Coupon-bearing
                    negotiable debt obligations issued after 18 July 1984 by the
                    U.S. Treasury
                    Department having a residual maturity on such date equal to or
                    greater
                    than 5 years but less than 10 years

                	
                  90.3%

                

        

        

        (B) Valuation
          Percentage Moody's

        

        
          	
                  INTRUMENT

                	
                  Daily

                	
                  Weekly

                
	
                  U.S.
                    Dollar Cash

                	
                  100%

                	
                  100%

                
	
                  Fixed-Rate
                    Negotiable treasury Debt Issued by the U.S. Treasury Department
                    with
                    Remaining Maturity

                
	
                  <1
                    Year

                	
                  100%

                	
                  100%

                
	
                  1
                    to 2 years

                	
                  100%

                	
                  99%

                
	
                  2
                    to 3 years

                	
                  100%

                	
                  98%

                
	
                  3
                    to 5 years

                	
                  100%

                	
                  97%

                
	
                  5
                    to 7 years

                	
                  100%

                	
                  95%

                
	
                  7
                    to 10 years

                	
                  100%

                	
                  94%

                
	
                  Floating-Rate
                    Negotiable treasury Debt Issued by the U.S. Treasury Department
                    

                
	
                  All
                    Maturities

                	
                  100%

                	
                  99%

                

        

        

        In
          circumstances where both Paragraph 13(b)(ii)(A) and (B) apply, the Valuation
          Percentage for an item of Eligible Collateral shall be calculated by reference
          to the paragraph which would result in the lower Valuation Percentage for
          such
          item of Eligible Collateral.

         

        
          	(iii)  	
                  Other
                    Eligible Support.
                    None.

                

        

        

         (iv)   Thresholds.

        

        
          	 	
                  (A)

                	
                  "Independent
                    Amount"
                    means with respect to Party A: Not
                    applicable.

                

        

        

        "Independent
          Amount"
          means
          with respect to Party B: Not applicable.

        

        
          	(B)      
                    	
                  "Threshold"
                    means: 

                

        

        

        With
          respect to Party A: infinity, provided
          that if
          a Collateralization Event has occurred and is continuing, the Threshold
          with
          respect to Party A shall be zero, unless (i) Party A has remedied such
          Collateralization Event in accordance with the terms of the Agreement by
          means
          other than posting collateral pursuant to this Annex and a Ratings Event
          has not
          occurred and is not continuing or (ii)(a) a S&P Collateralization Event has
          not occurred and is not continuing and (b)(1) if a Moody's Collateralization
          Event has occurred and is continuing, no more than 30 Local Business Days
          have
          elapsed since the last time that no Moody's Collateralization Event had
          occurred
          and was continuing and (2) no Moody's Collateralization Event had occurred
          and
          was continuing when this Annex was executed, in which case the Threshold
          with
          respect to Party A shall remain infinity; and

        

        
          	 	 	
                  With
                    respect to Party B: infinity

                

        

        

        (C)       
           "Minimum
          Transfer Amount"
          means
          USD 100,000 with respect to Party A and Party B; provided, however, that
          if the
          aggregate Class Principal Balance of Offered Certificates rated by S&P
          ceases to be more than USD 50,000,000, the "Minimum
          Transfer Amount"
          shall be
          USD 50,000. 

        

        
          	 	
                  (D)

                	
                  Rounding.
                    The Delivery Amount will be rounded up to the nearest integral
                    multiple of
                    USD 10,000. The Return Amount will be rounded down to the nearest
                    integral
                    multiple of USD 1,000. 

                

        

         

        (c)     
             Valuation
          and Timing.

        

        (i)        
           "Valuation
          Agent"
          means
          Party A. Calculations by Party A will be made by reference to commonly
          accepted
          market sources.

        

        (ii)       
           "Valuation
          Date"
          means,

        

        
          	 	 	
                  (A)

                	
                  in
                    the event that a Collateralization Event other an S&P
                    Collateralization Event has occurred and is continuing, each
                    Local
                    Business Day which, if treated as a Valuation Date, would result in a
                    Delivery Amount or a Return Amount;
                    and

                

        

        

        
          	 	 	
                  (B)

                	
                  in
                    the event that only an S&P Collateralization Event has occurred and is
                    continuing, or a Ratings Event has occurred and is continuing,
                    the last
                    Local Business Day of each calendar
                    week.

                

        

        

        
          	 	
                  (iii)

                	
                  "Valuation
                    Time"
                    means the close of business in the city of the Valuation Agent
                    on the
                    Local Business Day before the Valuation Date or date of calculation,
                    as
                    applicable, provided
                    that the calculations of Value and Exposure will be made as of
                    approximately the same time on the same date.

                

        

        

        (iv)      
           "Notification
          Time"
          means
          4:00 p.m., London time, on a Local Business Day.

        

        (d)       
           Conditions
          Precedent and Secured Party's Rights and Remedies. 

        

        No
          events
          shall constitute a "Specified Condition."

         

        
          	
                  (e)

                	
                  Substitution.

                

        

        

        
          	 	
                  (i)

                	
                  "Substitution
                    Date"
                    has the meaning specified in Paragraph
                    4(d)(ii).

                

        

        

        
          	 	
                  (ii)

                	
                  Consent.
                    The Pledgor must obtain the Secured Party's prior consent to
                    any
                    substitution pursuant to Paragraph 4(d) and
                    shall give to the Secured Party not less than two (2) Local Business
                    Days’
                    notice thereof specifying the items of Posted Credit Support
                    intended for
                    substitution.

                

        

        

        
          	
                  (f)

                	
                  Dispute
                    Resolution.

                

        

        

        
          	 	
                  (i)

                	
                  "Resolution
                    Time"
                    means 4:00 p.m. London time on the Local Business Day following
                    the date
                    on which the notice of the dispute is given under Paragraph
                    5.

                

        

        

        
          	 	
                  (ii)

                	
                  Value.
                    For the purpose of Paragraphs 5(i)(C) and 5(ii), on any date,
                    the Value of
                    Eligible Collateral and Posted Collateral will be calculated
                    as follows:
                    

                

        

        

        (A) with
          respect to any Cash; the amount thereof; and

        

        
          	 	 	
                  (B)

                	
                  with
                    respect to any Eligible Collateral comprising securities; the
                    sum of
                    (a)(x) the last bid price on such date for such securities on
                    the
                    principal national securities exchange on which such securities
                    are
                    listed, multiplied by the applicable Valuation Percentage or
                    (y) where any
                    such securities are not listed on a national securities exchange,
                    the bid
                    price for such securities quoted as at the close of business
                    on such date
                    by any principal market maker for such securities chosen by the
                    Valuation
                    Agent, multiplied by the applicable Valuation Percentage or (z)
                    if no such
                    bid price is listed or quoted for such date, the last bid price
                    listed or
                    quoted (as the case may be), as of the day next preceding such
                    date on
                    which such prices were available; multiplied by the applicable
                    Valuation
                    Percentage; plus (b) the accrued interest on such securities
                    (except to
                    the extent that such interest shall have been paid to the Pledgor
                    pursuant
                    to Paragraph 6(d)(ii) or included in the applicable price referred
                    to in
                    subparagraph (a) above) as of such
                    date.

                

        

        

        
          	 	
                  (iii)

                	
                  Alternative.
                    The provisions of Paragraph 5 will apply provided the obligation
                    of the
                    appropriate party to deliver the undisputed amount to the other
                    party will
                    not arise prior to the time that would otherwise have applied
                    to the
                    Transfer pursuant to, or deemed made, under Paragraph 3 if no
                    dispute had
                    arisen.

                

        

        

        
          	
                  (g)

                	
                  Holding
                    and Using Posted
                    Collateral.

                

        

        

        
          	 	
                  (i)

                	
                  Eligibility
                    to Hold Posted Collateral; Custodians:

                

        

        

        
          	 	 	
                  The
                    Supplemental Interest Trust Trustee (as defined in the (PSA)
                    will be
                    entitled to hold Posted Collateral pursuant to Paragraph
                    6(b).

                

        

         

        
          	 	
                  (ii)

                	
                  Use
                    of Posted Collateral.
                    The provisions of Paragraph 6(c) will not apply to Party B. Therefore,
                    Party B will not have any of the rights specified in Paragraph
                    6(c)(i) or
                    6(c)(ii).

                

        

        

        
          	
                  (h)

                	
                  Distributions
                    and Interest Amount.

                

        

        

        
          	 	
                  (i)
                     

                	
                  Interest
                    Rate. The
                    “Interest
                    Rate”
                    will be the actual interest rate earned on Posted Collateral
                    in the form
                    of Cash that is held by Party B or its Custodian. Posted Collateral
                    in the
                    form of Cash shall be invested in such overnight (or redeemable
                    within two
                    Local Business Days of demand) Eligible Investments rated at
                    least AAAm or
                    AAAm-G by S&P and Prime-1 by Moody’s or Aaa by Moody’s as directed by
                    Party A (unless (x) an Event of Default or an Additional Termination
                    Event
                    has occurred with respect to which Party A is the defaulting
                    or sole
                    Affected Party or (y) an Early Termination Date has been designated,
                    in
                    which case such investment shall be held uninvested). Gains and
                    losses
                    incurred in respect of any investment of Posted Collateral in
                    the form of
                    Cash in Eligible Investments as directed by Party A shall be
                    for the
                    account of Party A..

                

        

        

        
          	 	
                  (ii)
                    

                	
                  Transfer
                    of Interest Amount.
                    The Transfer of the Interest Amount will be made on any Local
                    Business Day
                    on which Posted Collateral in the form of Cash is Transferred
                    to the
                    Pledgor pursuant to Paragraph 3(b), provided that such Interest
                    Amount has
                    been received prior thereto.

                

        

        

        
          	 	
                  (iii)
                     

                	
                  Alternative
                    to Interest Amount.
                    The provisions of Paragraph 6(d)(ii) will
                    apply.

                

        

        

        
          	
                  (i)

                	
                  Additional
                    Representation(s). 

                

        

        

        There
          are
          no additional representations by either party.

         

        
          	
                  (j)

                	
                  Demands
                    and Notices.

                

        

        

        All
          demands, specifications and notices under this Annex will be made pursuant
          to
          the Notices Section of this Agreement, save that any demand, specification
          or
          notice:

        

        
          	 	
                  (i)       shall
                    be given to or made at the following
                    addresses:

                

        

        

        If
          to
          Party A:

        

        Address:            
           One
          Cabot
          Square

        
          	 	 	 	 	
                  London
                    E14 4QJ

                

        

        England

        

        Telephone:        
           44
          20
          7888 3083

        Facsimile:         
           44
          20
          7883 7987

        Attention:          
           Collateral
          Management Unit 

        

        
          	 	
                  If
                    to Party B:

                

        

        

        As
          set
          forth in Part 4(a) of the Schedule; 

         

        
          	 	
                  or
                    at such other address as the relevant party may from time to
                    time
                    designate by giving notice (in accordance with the terms of this
                    paragraph) to the other party;

                

        

        

        
          	 	
                  (ii)

                	
                  shall
                    (unless otherwise stated in this Annex) be deemed to be effective
                    at the
                    time such notice is actually received unless such notice is received
                    on a
                    day which is not a Local Business Day or after the Notification
                    Time on
                    any Local Business Day in which event such notice shall be deemed
                    to be
                    effective on the next succeeding Local Business
                    Day.

                

        

        

        
          	
                  (k)

                	
                  Address
                    for Transfers.

                

        

        

        
          	 	
                  Party
                    A: To be notified to Party B by Party A at the time of the request
                    for the
                    Transfer.

                

        

        

        
          	 	
                  Party
                    B: To be notified to Party A by Party B at the time of the request
                    for the
                    Transfer.

                

        

         

        

        
          	
                  (l)

                	
                  Other
                    Provisions.

                

        

        

        
          	 	
                  (i)

                	
                  Additional
                    Definitions

                

        

        

        As
          used
          in this Annex:

        

        
          	 	 	
                  "Equivalent
                    Collateral" means,
                    with respect to any security constituting Posted Collateral,
                    a security of
                    the same issuer and, as applicable, representing or having the
                    same class,
                    series, maturity, interest rate, principal amount or liquidation
                    value and
                    such other provisions as are necessary for that security and
                    the security
                    constituting Posted Collateral to be treated as equivalent in
                    the market
                    for such securities;

                

        

        

        
          	 	 	
                  "Local
                    Business Day" means:
                    (i) any day on which commercial banks are open for business (including
                    dealings in foreign exchange and foreign currency deposits) in
                    London, and
                    (ii) in relation to a Transfer of Eligible Collateral, a day
                    on which the
                    clearance system agreed between the parties for the delivery
                    of Eligible
                    Collateral is open for acceptance and execution of settlement
                    instructions
                    (or in the case of a Transfer of Cash or other Eligible Collateral
                    for
                    which delivery is contemplated by other means, a day on which
                    commercial
                    banks are open for business (including dealings for foreign exchange
                    and
                    foreign currency deposits) in New York and such other places
                    as the
                    parties shall agree); and

                

        

        

        "transaction-specific
          hedges"
          has the
          meaning given to such term in "Framework for De-linking Hedge Counterparty
          Risks
          from Global Structured Finance Cashflow Transactions Moody's Methodology"
          published by Moody's Investors Service and dated May 25, 2006.

         

        
          	 	
                  (ii)

                	
                  Events
                    of Default 

                

        

        

        
          	 	 	
                  Paragraph
                    7 shall be deleted and replaced in its entirety by the following
                    paragraph:

                

        

        

        "For
          the
          purposes of Section 5(a)(iii)(1) of this Agreement, an Event of Default
          will
          exist with respect to a party if that party fails (or fails to cause its
          Custodian) to make, when due, any Transfer of Posted Credit Support or
          the
          Interest Amount, as applicable, required to be made by it and that failure
          continues for two Local Business Days after the notice of that failure
          is given
          to that party, except that (A) if such failure would constitute an Additional
          Termination Event under another provision of this Agreement and (B) no
          more than
          30 Local Business Days have elapsed since the last time that no Moody's
          Rating
          Event has occurred and was continuing, then such failure shall be an Additional
          Termination Event and not an Event of Default".

        .

        
          	 	
                  (iii)

                	
                  Return
                    of Fungible
                    Securities

                

        

        

        
          	 	 	
                  In
                    lieu of returning to the Pledgor pursuant to Paragraphs 3(b),
                    4(d), 5 and
                    8(d) any Posted Collateral comprising securities the Secured
                    Party may
                    return Equivalent Collateral.

                

        

         

        
          	 	
                  (iv)

                	
                  Covenants
                    of the Pledgor

                

        

        

        
          	 	 	
                  So
                    long as the Agreement is in effect, the Pledgor covenants that
                    it will
                    keep the Posted Collateral free from all security interests or
                    other
                    encumbrances created by the Pledgor, except the security interest
                    created
                    hereunder and any security interests or other encumbrances created
                    by the
                    Secured Party; and will not sell, transfer, assign, deliver or
                    otherwise
                    dispose of, or grant any option with respect to any Posted Collateral
                    or
                    any interest therein, or create, incur or permit to exist any
                    pledge,
                    lien, mortgage, hypothecation, security interest, charge, option
                    or any
                    other encumbrance with respect to any Posted Collateral or any
                    interest
                    therein, without the prior written consent of the Secured
                    Party.

                

        

        

        
          	 	
                  (v)
                    

                	
                  No
                    Counterclaim

                

        

        

        
          	 	 	
                  A
                    party's rights to demand and receive the Transfer of Eligible
                    Collateral
                    as provided hereunder and its rights as Secured Party against
                    the Posted
                    Collateral or otherwise shall be absolute and subject to no counterclaim,
                    set-off, deduction or defense in favor of the Pledgor except
                    as
                    contemplated in Sections 2 and 6 of the Agreement and Paragraph
                    8 of this
                    Annex.

                

        

        

        (vi)     
            Holding
          Collateral

        

        
          	 	 	
                  The
                    Secured Party shall cause any Custodian appointed hereunder to
                    open and
                    maintain a segregated account (which shall be an Eligible Account,
                    as
                    defined in the PSA) and to hold, record and identify all the
                    Posted
                    Collateral in such segregated account and, subject to Paragraph
                    8(a), such
                    Posted Collateral, subject to the Secured Party's rights hereunder,
                    shall
                    at all times be and remain the property of the Pledgor and shall
                    at no
                    time constitute the property of, or be commingled with the property
                    of,
                    the Secured Party or the Custodian.

                

        

        

        (vii)     
           Security
          and Performance

        

        Eligible
          Collateral Transferred to the Secured Party constitutes security and performance
          assurance without which the Secured Party would not otherwise enter into
          and
          continue any and all Transactions.

        

        (viii)    
           Agreement
          as to Single Secured Party and Pledgor

         

        
          	 	 	
                  Party
                    A and Party B agree that, notwithstanding anything to the contrary
                    in the
                    recital to this Annex, Paragraph 1(b), Paragraph 2 or the definitions
                    in
                    Paragraph 12, (a) the term "Secured
                    Party"
                    as used in this Annex means only Party B, (b) the term "Pledgor"
                    as used in this Annex means only Party A, (c) only Party A makes
                    the
                    pledge and grant in Paragraph 2, the acknowledgment in the final
                    sentence
                    of Paragraph 8(a) and the representations in Paragraph 9 and
                    (d) only
                    Party A will be required to make Transfers of Eligible Credit
                    Support
                    hereunder.

                

        

        

        (ix)      
           External
          Verification of Mark-to-Market Valuations.

        

        On
          each
          Valuation Date occurring while an S&P Collateralization Event is continuing,
          Party A shall provide to S&P not later than the Notification Time on the
          Local Business Day following such Valuation Date its calculations of Exposure
          and the S&P Value of any Eligible Credit Support or Posted Credit Support
          for that Valuation Date. Every month after the unsecured, unguaranteed
          and
          otherwise
          unsupported long-term debt obligations of each Relevant Entity are rated
          below
          BBB+ by S&P, unless otherwise agreed in writing with S&P, Party A will
          verify its determination of Exposure of the Transaction and any Posted
          Credit
          Support on the next Valuation Date by seeking quotations from two (2) Reference
          Market-makers for their determination of Exposure of the Transaction on
          such
          Valuation Date and the Valuation Agent will use the greater of either (a)
          its
          own determination or (b) the highest quotation for a Reference Market-maker,
          if
          applicable, for the next Valuation Date; provided,
          that
          this Paragraph 13(l)(ix) shall only apply to the extent that the Certificates
          outstanding at such time (as defined in the PSA) are rated higher by S&P
          than the S&P L-T Rating of Party A; and provided
          further,
          that
          Party A shall not seek verification of its determination of Exposure as
          described above from the same Reference Market-maker more than four times
          in any
          twelve-month period. Party A shall provide to S&P copies of such
          verification details.

        

        (x)       
           Expenses. 

        

        Notwithstanding
          Paragraph
          10(a),
          the Pledgor will be responsible for, and will reimburse the Secured Party
          for,
          all transfer costs involved in the Transfer of Eligible Collateral from
          the
          Pledgor to the Secured Party (or any agent or custodian for safekeeping
          of the
          Secured Party) or from the Secured Party (or any agent or custodian for
          safekeeping of the Secured Party ) to the Pledgor pursuant to paragraph
          4(d).

        

        
          	 	
                  (xi)

                	
                  Paragraph
                    6(d)(ii) is hereby amended by inserting immediately after "the
                    Interest
                    Amount" in the fourth line thereof the words "less any applicable
                    withholding taxes." 

                

        

        

        

        

        
          
            
            

          

          
            
            

            
              

            

          

          
            
            

          

        

        

         

        
          	
                  Credit
                    Suisse International

                	
                  U.S.
                    Bank National Association, not individually, but solely as trustee
                    on
                    behalf of the Supplemental Interest Trust created under the Pooling
                    and
                    Servicing Agreement for

                  HOME
                    EQUITY MORTGAGE TRUST SERIES 2006-6, Home Equity Mortgage Pass-Through
                    Certificates, Series 2006-6

                
	
                   

                   

                  By:________________________________
                    

                  Name:

                  Title:

                	
                   

                   

                  By:__________________________________
                    

                  Name:

                  Title:

                
	
                   

                   

                  By:________________________________
                    

                  Name:

                  Title:

                	 

        

        

        EXHIBIT
          A

        

        FIRST
          TRIGGER COLLATERAL AMOUNT APPLICABLE PERCENTAGES

        

        For
          Transactions that are swaps, caps, floors and transaction-specific
          hedges:

        

        
          	
                  Weighted
                    Average 

                  Life
                    of Hedge in Years

                	
                  Interest
                    Rate Hedges

                	
                  Currency
                    Hedges

                
	
                  Valuation
                    Dates:

                
	
                  Daily

                	
                  Weekly

                	
                  Daily

                	
                  Weekly

                
	
                  Less
                    than 1 year

                	
                  0.15%

                	
                  0.25%

                	
                  1.10%

                	
                  2.20%

                
	
                  Equal
                    to or greater than 1 year but less than 2 years

                	
                  0.30%

                	
                  0.50%

                	
                  1.20%

                	
                  2.40%

                
	
                  Equal
                    to or greater than 2 years but less than 3 years

                	
                  0.40%

                	
                  0.70%

                	
                  1.30%

                	
                  2.60%

                
	
                  Equal
                    to or greater than 3 years but less than 4 years

                	
                  0.60%

                	
                  1.00%

                	
                  1.40%

                	
                  2.80%

                
	
                  Equal
                    to or greater than 4 years but less than 5 years

                	
                  0.70%

                	
                  1.20%

                	
                  1.50%

                	
                  2.90%

                
	
                  Equal
                    to or greater than 5 years but less than 6 years

                	
                  0.80%

                	
                  1.40%

                	
                  1.60%

                	
                  3.10%

                
	
                  Equal
                    to or greater than 6 years but less than 7 years

                	
                  1.00%

                	
                  1.60%

                	
                  1.60%

                	
                  3.30%

                
	
                  Equal
                    to or greater than 7 years but less than 8 years

                	
                  1.10%

                	
                  1.80%

                	
                  1.70%

                	
                  3.40%

                
	
                  Equal
                    to or greater than 8 years but less than 9 years

                	
                  1.20%

                	
                  2.00%

                	
                  1.80%

                	
                  3.60%

                
	
                  Equal
                    to or greater than 9 years but less than 10 years

                	
                  1.30%

                	
                  2.20%

                	
                  1.90%

                	
                  3.80%

                
	
                  Equal
                    to or greater than 10 years but less than 11 years

                	
                  1.40%

                	
                  2.30%

                	
                  1.90%

                	
                  3.90%

                
	
                  Equal
                    to or greater than 11 years but less than 12 years

                	
                  1.50%

                	
                  2.50%

                	
                  2.00%

                	
                  4.00%

                
	
                  Equal
                    to or greater than 12 years but less than 13 years

                	
                  1.60%

                	
                  2.70%

                	
                  2.10%

                	
                  4.10%

                
	
                  Equal
                    to or greater than 13 years but less than 14 years

                	
                  1.70%

                	
                  2.80%

                	
                  2.10%

                	
                  4.30%

                
	
                  Equal
                    to or greater than 14 years but less than 15 years

                	
                  1.80%

                	
                  3.00%

                	
                  2.20%

                	
                  4.40%

                
	
                  Equal
                    to or greater than 15 years but less than 16 years

                	
                  1.90%

                	
                  3.20%

                	
                  2.30%

                	
                  4.50%

                
	
                  Equal
                    to or greater than 16 years but less than 17 years

                	
                  2.00%

                	
                  3.30%

                	
                  2.30%

                	
                  4.60%

                
	
                  Equal
                    to or greater than 17 years but less than 18 years

                	
                  2.00%

                	
                  3.50%

                	
                  2.40%

                	
                  4.80%

                
	
                  Equal
                    to or greater than 18 years but less than 19 years

                	
                  2.00%

                	
                  3.60%

                	
                  2.40%

                	
                  4.90%

                
	
                  Equal
                    to or greater than 19 years but less than 20 years

                	
                  2.00%

                	
                  3.70%

                	
                  2.50%

                	
                  5.00%

                
	
                  Equal
                    to or greater than 20 years but less than 21 years

                	
                  2.00%

                	
                  3.90%

                	
                  2.50%

                	
                  5.00%

                
	
                  Equal
                    to or greater than 21 years but less than 22 years

                	
                  2.00%

                	
                  4.00%

                	
                  2.50%

                	
                  5.00%

                
	
                  Equal
                    to or greater than 22 years but less than 23 years

                	
                  2.00%

                	
                  4.00%

                	
                  2.50%

                	
                  5.00%

                
	
                  Equal
                    to or greater than 23 years but less than 24 years

                	
                  2.00%

                	
                  4.00%

                	
                  2.50%

                	
                  5.00%

                
	
                  Equal
                    to or greater than 24 years but less than 25 years

                	
                  2.00%

                	
                  4.00%

                	
                  2.50%

                	
                  5.00%

                
	
                  Equal
                    to or greater than 25 years but less than 26 years

                	
                  2.00%

                	
                  4.00%

                	
                  2.50%

                	
                  5.00%

                
	
                  Equal
                    to or greater than 26 years but less than 27 years

                	
                  2.00%

                	
                  4.00%

                	
                  2.50%

                	
                  5.00%

                
	
                  Equal
                    to or greater than 27 years but less than 28 years

                	
                  2.00%

                	
                  4.00%

                	
                  2.50%

                	
                  5.00%

                
	
                  Equal
                    to or greater than 28 years but less than 29 years

                	
                  2.00%

                	
                  4.00%

                	
                  2.50%

                	
                  5.00%

                
	
                  Equal
                    to or greater than 29 years but less than 30 years

                	
                  2.00%

                	
                  4.00%

                	
                  2.50%

                	
                  5.00%

                
	
                  Equal
                    to 30 years

                	
                  2.00%

                	
                  4.00%

                	
                  2.50%

                	
                  5.00%

                

        

        

        EXHIBIT
          B

        

        SECOND
          TRIGGER COLLATERAL AMOUNT APPLICABLE PERCENTAGES

        

        For
          Transactions that are swaps (excludes caps, floors and transaction-specific
          hedges):

        

        
          	
                  Weighted
                    Average 

                  Life
                    of Hedge in Years

                	
                  Interest
                    Rate Swaps

                	
                  Currency
                    Swaps

                
	
                  Valuation
                    Dates:

                
	
                  Daily

                	
                  Weekly

                	
                  Daily

                	
                  Weekly

                
	
                  Less
                    than 1 year

                	
                  0.50%

                	
                  0.60%

                	
                  6.10%

                	
                  7.25%

                
	
                  Equal
                    to or greater than 1 year but less than 2 years

                	
                  1.00%

                	
                  1.20%

                	
                  6.30%

                	
                  7.50%

                
	
                  Equal
                    to or greater than 2 years but less than 3 years

                	
                  1.50%

                	
                  1.70%

                	
                  6.40%

                	
                  7.70%

                
	
                  Equal
                    to or greater than 3 years but less than 4 years

                	
                  1.90%

                	
                  2.30%

                	
                  6.60%

                	
                  8.00%

                
	
                  Equal
                    to or greater than 4 years but less than 5 years

                	
                  2.40%

                	
                  2.80%

                	
                  6.70%

                	
                  8.20%

                
	
                  Equal
                    to or greater than 5 years but less than 6 years

                	
                  2.80%

                	
                  3.30%

                	
                  6.80%

                	
                  8.40%

                
	
                  Equal
                    to or greater than 6 years but less than 7 years

                	
                  3.20%

                	
                  3.80%

                	
                  7.00%

                	
                  8.60%

                
	
                  Equal
                    to or greater than 7 years but less than 8 years

                	
                  3.60%

                	
                  4.30%

                	
                  7.10%

                	
                  8.80%

                
	
                  Equal
                    to or greater than 8 years but less than 9 years

                	
                  4.00%

                	
                  4.80%

                	
                  7.20%

                	
                  9.00%

                
	
                  Equal
                    to or greater than 9 years but less than 10 years

                	
                  4.40%

                	
                  5.30%

                	
                  7.30%

                	
                  9.20%

                
	
                  Equal
                    to or greater than 10 years but less than 11 years

                	
                  4.70%

                	
                  5.60%

                	
                  7.40%

                	
                  9.30%

                
	
                  Equal
                    to or greater than 11 years but less than 12 years

                	
                  5.00%

                	
                  6.00%

                	
                  7.50%

                	
                  9.50%

                
	
                  Equal
                    to or greater than 12 years but less than 13 years

                	
                  5.40%

                	
                  6.40%

                	
                  7.60%

                	
                  9.70%

                
	
                  Equal
                    to or greater than 13 years but less than 14 years

                	
                  5.70%

                	
                  6.80%

                	
                  7.70%

                	
                  9.80%

                
	
                  Equal
                    to or greater than 14 years but less than 15 years

                	
                  6.00%

                	
                  7.20%

                	
                  7.80%

                	
                  10.00%

                
	
                  Equal
                    to or greater than 15 years but less than 16 years

                	
                  6.30%

                	
                  7.60%

                	
                  7.90%

                	
                  10.00%

                
	
                  Equal
                    to or greater than 16 years but less than 17 years

                	
                  6.60%

                	
                  7.90%

                	
                  8.00%

                	
                  10.00%

                
	
                  Equal
                    to or greater than 17 years but less than 18 years

                	
                  6.90%

                	
                  8.30%

                	
                  8.10%

                	
                  10.00%

                
	
                  Equal
                    to or greater than 18 years but less than 19 years

                	
                  7.20%

                	
                  8.60%

                	
                  8.20%

                	
                  10.00%

                
	
                  Equal
                    to or greater than 19 years but less than 20 years

                	
                  7.50%

                	
                  9.00%

                	
                  8.20%

                	
                  10.00%

                
	
                  Equal
                    to or greater than 20 years but less than 21 years

                	
                  7.80%

                	
                  9.00%

                	
                  8.30%

                	
                  10.00%

                
	
                  Equal
                    to or greater than 21 years but less than 22 years

                	
                  8.00%

                	
                  9.00%

                	
                  8.40%

                	
                  10.00%

                
	
                  Equal
                    to or greater than 22 years but less than 23 years

                	
                  8.00%

                	
                  9.00%

                	
                  8.50%

                	
                  10.00%

                
	
                  Equal
                    to or greater than 23 years but less than 24 years

                	
                  8.00%

                	
                  9.00%

                	
                  8.60%

                	
                  10.00%

                
	
                  Equal
                    to or greater than 24 years but less than 25 years

                	
                  8.00%

                	
                  9.00%

                	
                  8.60%

                	
                  10.00%

                
	
                  Equal
                    to or greater than 25 years but less than 26 years

                	
                  8.00%

                	
                  9.00%

                	
                  8.70%

                	
                  10.00%

                
	
                  Equal
                    to or greater than 26 years but less than 27 years

                	
                  8.00%

                	
                  9.00%

                	
                  8.80%

                	
                  10.00%

                
	
                  Equal
                    to or greater than 27 years but less than 28 years

                	
                  8.00%

                	
                  9.00%

                	
                  8.80%

                	
                  10.00%

                
	
                  Equal
                    to or greater than 28 years but less than 29 years

                	
                  8.00%

                	
                  9.00%

                	
                  8.90%

                	
                  10.00%

                
	
                  Equal
                    to or greater than 29 years but less than 30 years

                	
                  8.00%

                	
                  9.00%

                	
                  8.90%

                	
                  10.00%

                
	
                  Equal
                    to 30 years

                	
                  8.00%

                	
                  9.00%

                	
                  9.00%

                	
                  10.00%

                

        

        

        

        

        For
          Transactions that are caps, floors, swaptions and transaction-specific
          hedges:

        

        
          	
                  Weighted
                    Average 

                  Life
                    of Hedge in Years

                	
                  Interest
                    Rate Hedges

                	
                  Currency
                    Hedges

                
	
                  Valuation
                    Dates:

                
	
                  Daily

                	
                  Weekly

                	
                  Daily

                	
                  Weekly

                
	
                  Less
                    than 1 year

                	
                  0.65%

                	
                  0.75%

                	
                  6.30%

                	
                  7.40%

                
	
                  Equal
                    to or greater than 1 year but less than 2 years

                	
                  1.30%

                	
                  1.50%

                	
                  6.60%

                	
                  7.80%

                
	
                  Equal
                    to or greater than 2 years but less than 3 years

                	
                  1.90%

                	
                  2.20%

                	
                  6.90%

                	
                  8.20%

                
	
                  Equal
                    to or greater than 3 years but less than 4 years

                	
                  2.50%

                	
                  2.90%

                	
                  7.10%

                	
                  8.50%

                
	
                  Equal
                    to or greater than 4 years but less than 5 years

                	
                  3.10%

                	
                  3.60%

                	
                  7.40%

                	
                  8.90%

                
	
                  Equal
                    to or greater than 5 years but less than 6 years

                	
                  3.60%

                	
                  4.20%

                	
                  7.70%

                	
                  9.20%

                
	
                  Equal
                    to or greater than 6 years but less than 7 years

                	
                  4.20%

                	
                  4.80%

                	
                  7.90%

                	
                  9.60%

                
	
                  Equal
                    to or greater than 7 years but less than 8 years

                	
                  4.70%

                	
                  5.40%

                	
                  8.20%

                	
                  9.90%

                
	
                  Equal
                    to or greater than 8 years but less than 9 years

                	
                  5.20%

                	
                  6.00%

                	
                  8.40%

                	
                  10.20%

                
	
                  Equal
                    to or greater than 9 years but less than 10 years

                	
                  5.70%

                	
                  6.60%

                	
                  8.60%

                	
                  10.50%

                
	
                  Equal
                    to or greater than 10 years but less than 11 years

                	
                  6.10%

                	
                  7.00%

                	
                  8.80%

                	
                  10.70%

                
	
                  Equal
                    to or greater than 11 years but less than 12 years

                	
                  6.50%

                	
                  7.50%

                	
                  9.00%

                	
                  11.00%

                
	
                  Equal
                    to or greater than 12 years but less than 13 years

                	
                  7.00%

                	
                  8.00%

                	
                  9.20%

                	
                  11.30%

                
	
                  Equal
                    to or greater than 13 years but less than 14 years

                	
                  7.40%

                	
                  8.50%

                	
                  9.40%

                	
                  11.50%

                
	
                  Equal
                    to or greater than 14 years but less than 15 years

                	
                  7.80%

                	
                  9.00%

                	
                  9.60%

                	
                  11.80%

                
	
                  Equal
                    to or greater than 15 years but less than 16 years

                	
                  8.20%

                	
                  9.50%

                	
                  9.80%

                	
                  11.80%

                
	
                  Equal
                    to or greater than 16 years but less than 17 years

                	
                  8.60%

                	
                  9.90%

                	
                  10.00%

                	
                  12.00%

                
	
                  Equal
                    to or greater than 17 years but less than 18 years

                	
                  9.00%

                	
                  10.40%

                	
                  10.10%

                	
                  12.00%

                
	
                  Equal
                    to or greater than 18 years but less than 19 years

                	
                  9.40%

                	
                  10.80%

                	
                  10.30%

                	
                  12.00%

                
	
                  Equal
                    to or greater than 19 years but less than 20 years

                	
                  9.70%

                	
                  11.00%

                	
                  10.50%

                	
                  12.00%

                
	
                  Equal
                    to or greater than 20 years but less than 21 years

                	
                  10.00%

                	
                  11.00%

                	
                  10.70%

                	
                  12.00%

                
	
                  Equal
                    to or greater than 21 years but less than 22 years

                	
                  10.00%

                	
                  11.00%

                	
                  10.80%

                	
                  12.00%

                
	
                  Equal
                    to or greater than 22 years but less than 23 years

                	
                  10.00%

                	
                  11.00%

                	
                  11.00%

                	
                  12.00%

                
	
                  Equal
                    to or greater than 23 years but less than 24 years

                	
                  10.00%

                	
                  11.00%

                	
                  11.00%

                	
                  12.00%

                
	
                  Equal
                    to or greater than 24 years but less than 25 years

                	
                  10.00%

                	
                  11.00%

                	
                  11.00%

                	
                  12.00%

                
	
                  Equal
                    to or greater than 25 years but less than 26 years

                	
                  10.00%

                	
                  11.00%

                	
                  11.00%

                	
                  12.00%

                
	
                  Equal
                    to or greater than 26 years but less than 27 years

                	
                  10.00%

                	
                  11.00%

                	
                  11.00%

                	
                  12.00%

                
	
                  Equal
                    to or greater than 27 years but less than 28 years

                	
                  10.00%

                	
                  11.00%

                	
                  11.00%

                	
                  12.00%

                
	
                  Equal
                    to or greater than 28 years but less than 29 years

                	
                  10.00%

                	
                  11.00%

                	
                  11.00%

                	
                  12.00%

                
	
                  Equal
                    to or greater than 29 years but less than 30 years

                	
                  10.00%

                	
                  11.00%

                	
                  11.00%

                	
                  12.00%

                
	
                  Equal
                    to 30 years

                	
                  10.00%

                	
                  11.00%

                	
                  11.00%

                	
                  12.00%

                

        

        

      

      

       

      
        
          
          

        

        
          
          

          
            

          

        

        
          
          

        

      

       

      EXHIBIT
        EE

       

      Servicing
        Criteria to Be Addressed in Assessment of Compliance

       

      Key:

      X
        -
        obligation

      

      Where
        there are multiple checks for criteria the attesting party will identify
        in
        their management assertion that they are attesting only to the portion of
        the
        distribution chain they are responsible for in the related transaction
        agreements.

       

       

      
        	
                Reg
                  AB Reference

              	
                Servicing
                  Criteria

              	
                Servicer
                  and Special Servicer

              	
                Custodian

              	
                Trustee 

              
	 	
                General
                  Servicing Considerations

              	 	 	 
	
                1122(d)(1)(i)

              	
                Policies
                  and procedures are instituted to monitor any performance or other
                  triggers
                  and events of default in accordance with the transaction
                  agreements.

              	 	 	
                X

              
	
                1122(d)(1)(ii)

              	
                If
                  any material servicing activities are outsourced to third parties,
                  policies and procedures are instituted to monitor the third party’s
                  performance and compliance with such servicing activities.

              	
                X

              	 	 
	
                1122(d)(1)(iii)

              	
                Any
                  requirements in the transaction agreements to maintain a back-up
                  servicer
                  for the Pool Assets are maintained. 

              	
                N/A

              	 	 
	
                1122(d)(1)(iv)

              	
                A
                  fidelity bond and errors and omissions policy is in effect on the
                  party
                  participating in the servicing function throughout the reporting
                  period in
                  the amount of coverage required by and otherwise in accordance
                  with the
                  terms of the transaction agreements. 

              	
                X

              	 	 
	 	
                Cash
                  Collection and Administration

              	 	 	 
	
                1122(d)(2)(i)

              	
                Payments
                  on pool assets are deposited into the appropriate custodial bank
                  accounts
                  and related bank clearing accounts no more than two business days
                  following receipt, or such other number of days specified in the
                  transaction agreements. 

              	
                X

              	 	 
	
                1122(d)(2)(ii)

              	
                Disbursements
                  made via wire transfer on behalf of an obligor or to an investor
                  are made
                  only by authorized personnel. 

              	
                X

              	 	
                X

              
	
                1122(d)(2)(iii)

              	
                Advances
                  of funds or guarantees regarding collections, cash flows or distributions,
                  and any interest or other fees charged for such advances, are made,
                  reviewed and approved as specified in the transaction agreements.
                  

              	
                X

              	 	 
	
                1122(d)(2)(iv)

              	
                The
                  related accounts for the transaction, such as cash reserve accounts
                  or
                  accounts established as a form of over collateralization, are separately
                  maintained (e.g., with respect to commingling of cash) as set forth
                  in the
                  transaction agreements. 

              	
                N/A

              	 	
                X

              
	
                1122(d)(2)(v)

              	
                Each
                  custodial account is maintained at a federally insured depository
                  institution as set forth in the transaction agreements. For purposes
                  of
                  this criterion, “federally insured depository institution” with respect to
                  a foreign financial institution means a foreign financial institution
                  that
                  meets the requirements of Rule 13k-1(b)(1) of the Securities Exchange
                  Act.
                  

              	
                X

              	 	 
	
                1122(d)(2)(vi)

              	
                Unissued
                  checks are safeguarded so as to prevent unauthorized access.
                  

              	
                X

              	 	 
	
                1122(d)(2)(vii)
                  

              	
                Reconciliations
                  are prepared on a monthly basis for all asset-backed securities
                  related
                  bank accounts, including custodial accounts and related bank clearing
                  accounts. These reconciliations are (A) mathematically accurate;
                  (B)
                  prepared within 30 calendar days after the bank statement cutoff
                  date, or
                  such other number of days specified in the transaction agreements;
                  (C)
                  reviewed and approved by someone other than the person who prepared
                  the
                  reconciliation; and (D) contain explanations for reconciling items.
                  These
                  reconciling items are resolved within 90 calendar days of their
                  original
                  identification, or such other number of days specified in the transaction
                  agreements. 

              	
                X

              	 	 
	 	
                Investor
                  Remittances and Reporting

              	 	 	 
	
                1122(d)(3)(i)

              	
                Reports
                  to investors, including those to be filed with the Commission,
                  are
                  maintained in accordance with the transaction agreements and applicable
                  Commission requirements. Specifically, such reports (A) are prepared
                  in
                  accordance with timeframes and other terms set forth in the transaction
                  agreements; (B) provide information calculated in accordance with
                  the
                  terms specified in the transaction agreements; (C) are filed with
                  the
                  Commission as required by its rules and regulations; and (D) agree
                  with
                  investors’ or the trustee’s records as to the total unpaid principal
                  balance and number of Pool Assets serviced by the Servicer.
                  

              	 	 	
                X

              
	
                1122(d)(3)(ii)

              	
                Amounts
                  due to investors are allocated and remitted in accordance with
                  timeframes,
                  distribution priority and other terms set forth in the transaction
                  agreements. 

              	 	 	
                X

              
	
                1122(d)(3)(iii)

              	
                Disbursements
                  made to an investor are posted within two business days to the
                  Servicer’s
                  investor records, or such other number of days specified in the
                  transaction agreements. 

              	
                X

              	 	 
	
                1122(d)(3)(iv)

              	
                Amounts
                  remitted to investors per the investor reports agree with cancelled
                  checks, or other form of payment, or custodial bank statements.
                  

              	
                X

              	 	 
	 	
                Pool
                  Asset Administration

              	 	 	 
	
                1122(d)(4)(i)
                  

              	
                Collateral
                  or security on pool assets is maintained as required by the transaction
                  agreements or related pool asset documents. 

              	
                X

              	
                X

              	 
	
                1122(d)(4)(ii)

              	
                Pool
                  assets and related documents are safeguarded as required by the
                  transaction agreements 

              	
                X

              	
                X

              	 
	
                1122(d)(4)(iii)

              	
                Any
                  additions, removals or substitutions to the asset pool are made,
                  reviewed
                  and approved in accordance with any conditions or requirements
                  in the
                  transaction agreements. 

              	
                X

              	 	
                X

              
	
                1122(d)(4)(iv)

              	
                Payments
                  on pool assets, including any payoffs, made in accordance with
                  the related
                  pool asset documents are posted to the Servicer’s obligor records
                  maintained no more than two business days after receipt, or such
                  other
                  number of days specified in the transaction agreements, and allocated
                  to
                  principal, interest or other items (e.g., escrow) in accordance
                  with the
                  related pool asset documents. 

              	
                X

              	 	 
	
                1122(d)(4)(v)

              	
                The
                  Servicer’s records regarding the pool assets agree with the Servicer’s
                  records with respect to an obligor’s unpaid principal balance.
                  

              	
                X

              	 	 
	
                1122(d)(4)(vi)

              	
                Changes
                  with respect to the terms or status of an obligor's pool assets
                  (e.g.,
                  loan modifications or re-agings) are made, reviewed and approved
                  by
                  authorized personnel in accordance with the transaction agreements
                  and
                  related pool asset documents. 

              	
                X

              	 	 
	
                1122(d)(4)(vii)

              	
                Loss
                  mitigation or recovery actions (e.g., forbearance plans, modifications
                  and
                  deeds in lieu of foreclosure, foreclosures and repossessions, as
                  applicable) are initiated, conducted and concluded in accordance
                  with the
                  timeframes or other requirements established by the transaction
                  agreements. 

              	
                X

              	 	 
	
                1122(d)(4)(viii)

              	
                Records
                  documenting collection efforts are maintained during the period
                  a pool
                  asset is delinquent in accordance with the transaction agreements.
                  Such
                  records are maintained on at least a monthly basis, or such other
                  period
                  specified in the transaction agreements, and describe the entity’s
                  activities in monitoring delinquent pool assets including, for
                  example,
                  phone calls, letters and payment rescheduling plans in cases where
                  delinquency is deemed temporary (e.g., illness or unemployment).
                  

              	
                X

              	 	 
	
                1122(d)(4)(ix)

              	
                Adjustments
                  to interest rates or rates of return for pool assets with variable
                  rates
                  are computed based on the related pool asset documents. 

              	
                X

              	 	 
	
                1122(d)(4)(x)

              	
                Regarding
                  any funds held in trust for an obligor (such as escrow accounts):
                  (A) such
                  funds are analyzed, in accordance with the obligor’s pool asset documents,
                  on at least an annual basis, or such other period specified in
                  the
                  transaction agreements; (B) interest on such funds is paid, or
                  credited,
                  to obligors in accordance with applicable pool asset documents
                  and state
                  laws; and (C) such funds are returned to the obligor within 30
                  calendar
                  days of full repayment of the related pool assets, or such other
                  number of
                  days specified in the transaction agreements. 

              	
                X

              	 	 
	
                1122(d)(4)(xi)

              	
                Payments
                  made on behalf of an obligor (such as tax or insurance payments)
                  are made
                  on or before the related penalty or expiration dates, as indicated
                  on the
                  appropriate bills or notices for such payments, provided that such
                  support
                  has been received by the servicer at least 30 calendar days prior
                  to these
                  dates, or such other number of days specified in the transaction
                  agreements. 

              	
                X

              	 	 
	
                1122(d)(4)(xii)

              	
                Any
                  late payment penalties in connection with any payment to be made
                  on behalf
                  of an obligor are paid from the Servicer’s funds and not charged to the
                  obligor, unless the late payment was due to the obligor’s error or
                  omission. 

              	
                X

              	 	 
	
                1122(d)(4)(xiii)

              	
                Disbursements
                  made on behalf of an obligor are posted within two business days
                  to the
                  obligor’s records maintained by the servicer, or such other number of days
                  specified in the transaction agreements. 

              	
                X

              	 	 
	
                1122(d)(4)(xiv)
                  

              	
                Delinquencies,
                  charge-offs and uncollectible accounts are recognized and recorded
                  in
                  accordance with the transaction agreements. 

              	
                X

              	 	 
	
                1122(d)(4)(xv)

              	
                Any
                  external enhancement or other support, identified in Item 1114(a)(1)
                  through (3) or Item 1115 of Regulation AB, is maintained as set
                  forth in
                  the transaction agreements. 

              	
                N/A

              	 	
                X

              

      

      

      

      

      

      EXHIBIT
        FF

       

      Form
        10-D, Form 8-K and Form 10-K Reporting Responsibility

       

      As
        to
        each item described below, the entity indicated as the Responsible Party
        shall
        be primarily responsible for reporting the information to the Trustee pursuant
        to Section 8.12(a)(i), (ii) and (iii). If the Trustee is indicated below
        as to
        any item, then the Trustee is primarily responsible for obtaining that
        information. 

      

      Under
        Item 1 of Form 10-D: a) items marked “4.06 statement” are required to be
        included in the Monthly Statement under Section 4.06, provided by the Trustee
        based on information received from the Servicer to the extent required of
        the
        Servicer under the Pooling and Servicing Agreement; and b) items marked “Form
        10-D report” are required to be in the Form 10-D report but not the 4.06
        statement, provided by the party indicated. Information under all other Items
        of
        Form 10-D is to be included in the Form 10-D report. Items indicated as “N/A”
are not applicable to the transaction.

      

      For
        purposes of this Exhibit, “Servicer” includes the Special Servicer.

       

      

        
          	
                  Form

                	
                  Item

                	
                  Description

                	 	
                  Responsible
                    Party

                
	
                  10-D

                	 	 	 
	 	
                  1

                	
                  Distribution
                    and Pool Performance Information

                	 	 
	 	 	
                  Item
                    1121(a) - Distribution and Pool Performance
                    Information

                	 	 
	 	 	
                  (1)
                    Any applicable record dates, accrual dates, determination dates
                    for
                    calculating distributions and actual distribution dates for the
                    distribution period.

                	 	
                  4.06
                    statement

                
	 	 	
                  (2)
                    Cash flows received and the sources thereof for distributions,
                    fees and
                    expenses.

                	 	
                  4.06
                    statement

                
	 	 	
                  (3)
                    Calculated amounts and distribution of the flow of funds for
                    the period
                    itemized by type and priority of payment, including:

                	 	
                  4.06
                    statement

                
	 	 	
                  (i)
                    Fees or expenses accrued and paid, with an identification of
                    the general
                    purpose of such fees and the party receiving such fees or
                    expenses.

                	 	
                  4.06
                    statement

                
	 	 	
                  (ii)
                    Payments accrued or paid with respect to enhancement or other
                    support
                    identified in Item 1114 of Regulation AB (such as insurance premiums
                    or
                    other enhancement maintenance fees), with an identification of
                    the general
                    purpose of such payments and the party receiving such
                    payments.

                	 	
                  N/A

                
	 	 	
                  (iii)
                    Principal, interest and other distributions accrued and paid
                    on the
                    asset-backed securities by type and by class or series and any
                    principal
                    or interest shortfalls or carryovers.

                	 	
                  4.06
                    statement

                
	 	 	
                  (iv)
                    The amount of excess cash flow or excess spread and the disposition
                    of
                    excess cash flow.

                	 	
                  4.06
                    statement

                
	 	 	
                  (4)
                    Beginning and ending principal balances of the asset-backed
                    securities.

                	 	
                  4.06
                    statement

                
	 	 	
                  (5)
                    Interest rates applicable to the pool assets and the asset-backed
                    securities, as applicable. Consider providing interest rate information
                    for pool assets in appropriate distributional groups or incremental
                    ranges.

                	 	
                  4.06
                    statement

                
	 	 	
                  (6)
                    Beginning and ending balances of transaction accounts, such as
                    reserve
                    accounts, and material account activity during the period.

                	 	
                  4.06
                    statement

                
	 	 	
                  (7)
                    Any amounts drawn on any credit enhancement or other support
                    identified in
                    Item 1114 of Regulation AB, as applicable, and the amount of
                    coverage
                    remaining under any such enhancement, if known and
                    applicable.

                	 	
                  N/A

                
	 	 	
                  (8)
                    Number and amount of pool assets at the beginning and ending
                    of each
                    period, and updated pool composition information, such as weighted
                    average
                    coupon, weighted average life, weighted average remaining term,
                    pool
                    factors and prepayment amounts.

                	 	
                  4.06
                    statement

                   

                  Updated
                    pool composition information fields to be as reasonably requested
                    by
                    Depositor in writing to each Servicer and the Trustee at least
                    30 days
                    prior to the related Servicer Data Remittance Date from time
                    to
                    time

                
	 	 	
                  (9)
                    Delinquency and loss information for the period. 

                   

                  In
                    addition, describe any material changes to the information specified
                    in
                    Item 1100(b)(5) of Regulation AB regarding the pool
                    assets.

                	 	
                  4.06
                    statement.

                   

                   

                  Form
                    10-D report: Servicer/Depositor

                
	 	 	
                  (10)
                    Information on the amount, terms and general purpose of any advances
                    made
                    or reimbursed during the period, including the general use of
                    funds
                    advanced and the general source of funds for
                    reimbursements.

                	 	
                  4.06
                    statement

                
	 	 	
                  (11)
                    Any material modifications, extensions or waivers to pool asset
                    terms,
                    fees, penalties or payments during the distribution period or
                    that have
                    cumulatively become material over time.

                	 	
                  Form
                    10-D report: Depositor

                
	 	 	
                  (12)
                    Material breaches of pool asset representations or warranties
                    or
                    transaction covenants.

                	 	
                  Form
                    10-D report: Seller (subject to Depositor approval)

                
	 	 	
                  (13)
                    Information on ratio, coverage or other tests used for determining
                    any
                    early amortization, liquidation or other performance trigger
                    and whether
                    the trigger was met.

                	 	
                  4.06
                    statement

                
	 	 	
                  (14)
                    Information regarding any new issuance of asset-backed securities
                    backed
                    by the same asset pool,

                	 	
                  Form
                    10-D report: Depositor

                
	 	 	
                  [information
                    regarding] any pool asset changes (other than in connection with
                    a pool
                    asset converting into cash in accordance with its terms), such
                    as
                    additions or removals in connection with a prefunding or revolving
                    period
                    and pool asset substitutions and repurchases (and purchase rates,
                    if
                    applicable), and cash flows available for future purchases, such
                    as the
                    balances of any prefunding or revolving accounts, if
                    applicable.

                	 	
                  Form
                    10-D report: Seller (subject to Depositor approval)

                
	 	 	
                  Disclose
                    any material changes in the solicitation, credit-granting, underwriting,
                    origination, acquisition or pool selection criteria or procedures,
                    as
                    applicable, used to originate, acquire or select the new pool
                    assets.

                	 	
                  Form
                    10-D report: Seller (subject to Depositor approval)

                
	 	 	
                  Item
                    1121(b) - Pre-Funding or Revolving Period Information

                   

                  Updated
                    pool information as required under Item 1121(b).

                	 	
                  Seller
                    (subject to Depositor approval)

                
	 	
                  2

                	
                  Legal
                    Proceedings

                	 
	 	 	
                  Item
                    1117 - Legal proceedings pending against the following entities,
                    or their
                    respective property, that is material to Certificateholders,
                    including
                    proceedings known to be contemplated by governmental
                    authorities:

                	 	 
	 	 	
                  Sponsor
                    (Seller)

                	 	
                  Seller

                
	 	 	
                  Depositor

                	 	
                  Depositor

                
	 	 	
                  Trustee

                	 	
                  Trustee

                
	 	 	
                  Issuing
                    entity

                	 	
                  Depositor

                
	 	 	
                  Servicer
                    or any Subservicer to which Servicer delegates servicing function
                    to that
                    is servicing 20% or more of pool assets at time of report

                	 	
                  Servicer

                
	 	 	
                  Originator
                    of 20% or more of pool assets as of the Cut-off Date

                	 	
                  Depositor

                
	 	 	
                  Custodian

                	 	
                  Custodian

                
	 	
                  3

                	
                  Sales
                    of Securities and Use of Proceeds

                	 
	 	 	
                  Information
                    from Item 2(a) of Part II of Form 10-Q:

                   

                  With
                    respect to any sale of securities by the sponsor, depositor or
                    issuing
                    entity, that are backed by the same asset pool or are otherwise
                    issued by
                    the issuing entity, whether or not registered, provide the sales
                    and use
                    of proceeds information in Item 701 of Regulation S-K. Pricing
                    information
                    can be omitted if securities were not registered.

                	 	
                  Depositor

                
	 	
                  4

                	
                  Defaults
                    Upon Senior Securities

                	 	 
	 	 	
                  Information
                    from Item 3 of Part II of Form 10-Q:

                   

                  Report
                    the occurrence of any Event of Default of which the Trustee has
                    received
                    written notice or has actual knowledge (after expiration of any
                    grace
                    period and provision of any required notice)

                	 	
                  Trustee

                
	 	
                  5

                	
                  Submission
                    of Matters to a Vote of Security Holders

                	 	 
	 	 	
                  Information
                    from Item 4 of Part II of Form 10-Q

                	 	
                  Trustee

                
	 	
                  6

                	
                  Significant
                    Obligors of Pool Assets

                	 	 
	 	 	
                  Item
                    1112(b) - Significant
                    Obligor Financial Information*

                	 	
                  N/A

                
	 	 	
                  *This
                    information need only be reported on the Form 10-D for the distribution
                    period in which updated information is required pursuant to the
                    Item.

                	 	 
	 	
                  7

                	
                  Significant
                    Enhancement Provider Information

                	 	 
	 	 	
                  Item
                    1114(b)(2) - Credit Enhancement Provider Financial
                    Information*

                   

                  Determining
                    applicable disclosure threshold

                   

                  Obtaining
                    required financial information or effecting incorporation by
                    reference

                	 	
                  N/A

                
	 	 	
                  Item
                    1115(b) - Derivative Counterparty Financial Information*

                   

                  Determining
                    current maximum probable exposure

                   

                  Determining
                    current significance percentage

                   

                  Obtaining
                    required financial information or effecting incorporation by
                    reference

                	 	
                   

                   

                  Depositor

                   

                  Depositor

                   

                  Depositor

                
	 	 	
                  *This
                    information need only be reported on the Form 10-D for the distribution
                    period in which updated information is required pursuant to the
                    Items.

                	 	 
	 	
                  8

                	
                  Other
                    Information

                	 	 
	 	 	
                  Disclose
                    any information required to be reported on Form 8-K during the
                    period
                    covered by the Form 10-D but not reported

                	 	
                  The
                    Responsible Party for the applicable Form 8-K item as indicated
                    below

                
	 	
                  9

                	
                  Exhibits

                	 
	 	 	
                  Distribution
                    report

                	 	
                  Trustee

                
	 	 	
                  Exhibits
                    required by Item 601 of Regulation S-K, such as material
                    agreements

                	 	
                  Depositor

                
	
                  8-K

                	 	 	 
	 	
                  1.01

                	
                  Entry
                    into a Material Definitive Agreement

                	 	 
	 	 	
                  Disclosure
                    is required regarding entry into or amendment of any definitive
                    agreement
                    that is material to the securitization, even if depositor is
                    not a party.
                    

                   

                  Examples:
                    servicing agreement, custodial agreement.

                   

                  Note:
                    disclosure not required as to definitive agreements that are
                    fully
                    disclosed in the prospectus

                	 	
                  Any
                    of the following that is entering into a material definitive
                    agreement:
                    Servicer, Trustee, Seller, Depositor

                
	 	
                  1.02

                	
                  Termination
                    of a Material Definitive Agreement

                	 	 
	 	 	
                  Disclosure
                    is required regarding termination of any definitive agreement
                    that is
                    material to the securitization (other than expiration in accordance
                    with
                    its terms), even if depositor is not a party. 

                   

                  Examples:
                    servicing agreement, custodial agreement.

                	 	
                  Any
                    of the following that is requesting termination of a material
                    definitive
                    agreement: Servicer, Trustee, Seller, Depositor

                
	 	
                  1.03

                	
                  Bankruptcy
                    or Receivership

                	 	 
	 	 	
                  Disclosure
                    is required regarding the bankruptcy or receivership, if known
                    to the
                    Depositor, with respect to any of the following: 

                   

                  Sponsor
                    (Seller), Depositor, affiliated Servicer, other Servicer servicing
                    20% or
                    more of pool assets at time of report, other material servicers,
                    Trustee,
                    significant obligor, credit enhancer (10% or more), derivatives
                    counterparty, Custodian

                	 	
                  Any
                    of the following that is in bankruptcy or receivership: Servicer,
                    Trustee,
                    Seller, Depositor, Custodian

                
	 	
                  2.04

                	
                  Triggering
                    Events that Accelerate or Increase a Direct Financial Obligation
                    or an
                    Obligation under an Off-Balance Sheet Arrangement

                	 	 
	 	 	
                  Includes
                    an early amortization, performance trigger or other event, including
                    event
                    of default, that would materially alter the payment priority/distribution
                    of cash flows/amortization schedule.

                   

                  Disclosure
                    will be made of events other than waterfall triggers which are
                    disclosed
                    in the 4.06 statement

                	 	
                  Trustee

                
	 	
                  3.03

                	
                  Material
                    Modification to Rights of Security Holders

                	 	 
	 	 	
                  Disclosure
                    is required of any material modification to documents defining
                    the rights
                    of Certificateholders, including the Pooling and Servicing
                    Agreement

                	 	
                  Trustee
                    (or Depositor, if the Trustee is not a party to such agreement
                    or required
                    to provide prior written consent to such amendment)

                
	 	
                  5.03

                	
                  Amendments
                    to Articles of Incorporation or Bylaws; Change in Fiscal
                    Year

                	 	 
	 	 	
                  Disclosure
                    is required of any amendment “to the governing documents of the issuing
                    entity”

                	 	
                  Depositor

                
	 	
                  5.06

                	
                  Change
                    in Shell Company Status

                	 	 
	 	 	
                  [Not
                    applicable to ABS issuers]

                	 	
                  N/A

                
	 	
                  6.01

                	
                  ABS
                    Informational and Computational Material

                	 	
                  Depositor

                
	 	 	
                  [Not
                    included in reports to be filed under Section 8.12]

                	 	 
	 	
                  6.02

                	
                  Change
                    of Servicer or Trustee

                	 	 
	 	 	
                  Requires
                    disclosure of any removal, replacement, substitution or addition
                    of any
                    master servicer, affiliated servicer, other servicer servicing
                    10% or more
                    of pool assets at time of report, other material servicers, certificate
                    administrator or trustee. Reg AB disclosure about any new servicer
                    or
                    trustee is also required.

                	 	
                  Trustee

                
	 	
                  6.03

                	
                  Change
                    in Credit Enhancement or Other External Support

                	 	 
	 	 	
                  Covers
                    termination of any enhancement in manner other than by its terms,
                    the
                    addition of an enhancement, or a material change in the enhancement
                    provided. Applies to external credit enhancements as well as
                    derivatives.
                    Reg AB disclosure about any new enhancement provider is also
                    required.

                	 	
                  Trustee

                
	 	
                  6.04

                	
                  Failure
                    to Make a Required Distribution

                	 	
                  Trustee

                
	 	
                  6.05

                	
                  Securities
                    Act Updating Disclosure

                	 	 
	 	 	
                  If
                    any material pool characteristic differs by 5% or more at the
                    time of
                    issuance of the securities from the description in the final
                    prospectus,
                    provide updated Reg AB disclosure about the actual asset
                    pool.

                	 	
                  Depositor

                
	 	 	
                  If
                    there are any new servicers or originators required to be disclosed
                    under
                    Regulation AB as a result of the foregoing, provide the information
                    called
                    for in Items 1108 and 1110 respectively.

                	 	
                  Depositor

                
	 	
                  7.01

                	
                  Regulation
                    FD Disclosure

                	 	
                  Depositor

                
	 	
                  8.01

                	
                  Other
                    Events

                	 	 
	 	 	
                  Any
                    event, with respect to which information is not otherwise called
                    for in
                    Form 8-K, that the registrant deems of importance to security
                    holders.

                	 	
                  Depositor

                
	 	
                  9.01

                	
                  Financial
                    Statements and Exhibits

                	 	
                  The
                    Responsible Party applicable to reportable event

                
	
                  10-K

                	 	 	 
	 	
                  9B

                	
                  Other
                    Information

                	 	 
	 	 	
                  Disclose
                    any information required to be reported on Form 8-K during the
                    fourth
                    quarter covered by the Form 10-K but not reported

                	 	
                  The
                    Responsible Party for the applicable Form 8-K item as indicated
                    above

                
	 	
                  15

                	
                  Exhibits
                    and Financial Statement Schedules

                	 	 
	 	 	
                  Item
                    1112(b) - Significant
                    Obligor Financial Information

                	 	
                  N/A

                
	 	 	
                  Item
                    1114(b)(2) - Credit Enhancement Provider Financial
                    Information

                   

                  Determining
                    applicable disclosure threshold

                   

                  Obtaining
                    required financial information or effecting incorporation by
                    reference

                	 	
                  N/A

                
	 	 	
                  Item
                    1115(b) - Derivative Counterparty Financial Information

                   

                  Determining
                    current maximum probable exposure

                   

                  Determining
                    current significance percentage

                   

                  Obtaining
                    required financial information or effecting incorporation by
                    reference

                	 	
                   

                   

                  Depositor

                   

                  Depositor

                   

                  Depositor

                
	 	 	
                  Item
                    1117 - Legal proceedings pending against the following entities,
                    or their
                    respective property, that is material to Certificateholders,
                    including
                    proceedings known to be contemplated by governmental
                    authorities:

                   

                  Sponsor
                    (Seller)

                   

                  Depositor

                   

                  Trustee

                   

                  Issuing
                    entity

                   

                  Servicer
                    or any other Subservicer to which Servicer delegates servicing
                    function to
                    that is servicing 20% or more of pool assets at time of
                    report

                   

                   

                  Originator
                    of 20% or more of pool assets as of the Cut-off Date

                   

                  Custodian

                	 	
                   

                   

                   

                  Seller

                   

                  Depositor

                   

                  Trustee

                   

                  Depositor

                   

                  Servicer

                   

                   

                  Depositor

                   

                  Custodian

                
	 	 	
                  Item
                    1119 - Affiliations and relationships between the following entities,
                    or
                    their respective affiliates, that are material to
                    Certificateholders:

                   

                  Sponsor
                    (Seller)

                   

                  Depositor

                   

                  Trustee

                   

                  Servicer
                    or any other Subservicer to which Servicer delegates servicing
                    function to
                    that is servicing 20% or more of pool assets at time of
                    report

                   

                   

                  Originator

                   

                  Custodian

                   

                  Counterparty

                	 	
                   

                   

                   

                  Seller

                   

                  Depositor

                   

                  Trustee

                   

                  Servicer

                   

                   

                  Depositor

                   

                  Custodian

                   

                  Depositor

                
	 	 	
                  Item
                    1122 - Assessment of Compliance with Servicing
                    Criteria

                	 	
                  Trustee,
                    Servicer, Custodian

                
	 	 	
                  Item
                    1123 - Servicer Compliance Statement

                	 	
                  Servicer

                

        

      

      
 

       

      

      EXHIBIT
        GG

       

      

       

      FORM
        OF CERTIFICATION 

      REGARDING
        SUBSTITUTION OF DEFECTIVE MORTGAGE LOANS

       

       

      OFFICER'S
        CERTIFICATE OF DLJ MORTGAGE CAPITAL, INC.

       

       

      [_______]
        [__], 2006

       

      I,
        ____________, hereby certify that I am the duly authorized officer of DLJ
        Mortgage Capital, Inc., a Delaware corporation ("DLJMC"),
        and
        further certify that each of the Mortgage Loans substituted by DLJMC on
        [_______] [___], 20[___] were in violation of the terms of the Mortgages
        related
        thereto.

       

      Capitalized
        terms used but not defined herein have the meanings ascribed to them in the
        Pooling and Servicing Agreement dated as of December 1, 2006, among Credit
        Suisse First Boston Mortgage Securities Corp., as depositor, DLJ Mortgage
        Capital, Inc., as seller, Select Portfolio Servicing, Inc., as servicer,
        and
        U.S. Bank National Association, as trustee (the "Pooling
        and Servicing Agreement").

       

       

             
        DLJ MORTGAGE

      CAPITAL,
        INC.

       

       

            
        __________________________

      Name:

      Title:
        

       

      

      
        
          
          

        

        
          
          

          
            

          

        

        
          
          

        

      

      SCHEDULE
        I

       

      MORTGAGE
        LOAN SCHEDULE

       

               LOAN_NO           DEAL_PROPERTY_TYPE_DESC                          OCCUPANCY_DESC                    SERVICER_PERMANENT_NAME
--------------------------------------------------------------------------------------------------------------------------------------------
        500356453          Single Family Residence                          Primary                           Select Portfolio Servicing, In
        500761165          Single Family Residence                          Investment                        Select Portfolio Servicing, In
        500763132          PUD                                              Investment                        Select Portfolio Servicing, In
        500767705          Single Family Residence                          Primary                           Select Portfolio Servicing, In
        500771148          2-4 Family                                       Investment                        Select Portfolio Servicing, In
        500771558          2-4 Family                                       Investment                        Select Portfolio Servicing, In
        500771548          2-4 Family                                       Investment                        Select Portfolio Servicing, In
        500771542          2-4 Family                                       Investment                        Select Portfolio Servicing, In
        500780979          Single Family Residence                          Primary                           Select Portfolio Servicing, In
        500783976          Town House                                       Investment                        Select Portfolio Servicing, In
        500783999          Single Family Residence                          Investment                        Select Portfolio Servicing, In
        500784014          Town House                                       Investment                        Select Portfolio Servicing, In
        500785434          Single Family Residence                          Primary                           Select Portfolio Servicing, In
        500785780          Single Family Residence                          Primary                           Select Portfolio Servicing, In
        500791939          2-4 Family                                       Primary                           Select Portfolio Servicing, In
        500792328          Single Family Residence                          Primary                           Select Portfolio Servicing, In
        500792522          Single Family Residence                          Primary                           Select Portfolio Servicing, In
        500792469          PUD                                              Primary                           Select Portfolio Servicing, In
        500792709          Single Family Residence                          Primary                           Select Portfolio Servicing, In
        500793545          Single Family Residence                          Primary                           Select Portfolio Servicing, In
        500787683          Single Family Residence                          Primary                           Select Portfolio Servicing, In
        500793699          Town House                                       Primary                           Select Portfolio Servicing, In
        500793990          Single Family Residence                          Primary                           Select Portfolio Servicing, In
        500794668          Single Family Residence                          Primary                           Select Portfolio Servicing, In
        500794775          Single Family Residence                          Investment                        Select Portfolio Servicing, In
        500794869          Single Family Residence                          Primary                           Select Portfolio Servicing, In
        500796635          2-4 Family                                       Primary                           Select Portfolio Servicing, In
        500797342          Single Family Residence                          Investment                        Select Portfolio Servicing, In
        500794580          Single Family Residence                          Primary                           Select Portfolio Servicing, In
        500797762          Single Family Residence                          Primary                           Select Portfolio Servicing, In
        500797483          Single Family Residence                          Investment                        Select Portfolio Servicing, In
        500798434          Single Family Residence                          Primary                           Select Portfolio Servicing, In
        500798500          Town House                                       Investment                        Select Portfolio Servicing, In
        500792147          PUD                                              Primary                           Select Portfolio Servicing, In
        500799473          Condo                                            Primary                           Select Portfolio Servicing, In
        500800143          2-4 Family                                       Investment                        Select Portfolio Servicing, In
        500800135          2-4 Family                                       Investment                        Select Portfolio Servicing, In
        500800124          2-4 Family                                       Investment                        Select Portfolio Servicing, In
        500800177          2-4 Family                                       Investment                        Select Portfolio Servicing, In
        500800212          Single Family Residence                          Primary                           Select Portfolio Servicing, In
        500800737          Single Family Residence                          Primary                           Select Portfolio Servicing, In
        500800855          Condo                                            Investment                        Select Portfolio Servicing, In
        500801223          PUD                                              Investment                        Select Portfolio Servicing, In
        500801516          PUD                                              Primary                           Select Portfolio Servicing, In
        500801519          Single Family Residence                          Primary                           Select Portfolio Servicing, In
        500801618          Single Family Residence                          Secondary                         Select Portfolio Servicing, In
        500803068          2-4 Family                                       Primary                           Select Portfolio Servicing, In
        500803192          Single Family Residence                          Primary                           Select Portfolio Servicing, In
        500803202          PUD                                              Primary                           Select Portfolio Servicing, In
        500803355          2-4 Family                                       Primary                           Select Portfolio Servicing, In
        500804142          Single Family Residence                          Primary                           Select Portfolio Servicing, In
        500804255          Single Family Residence                          Primary                           Select Portfolio Servicing, In
        500804347          Single Family Residence                          Primary                           Select Portfolio Servicing, In
        500804983          Single Family Residence                          Primary                           Select Portfolio Servicing, In
        500805320          Single Family Residence                          Primary                           Select Portfolio Servicing, In
        500805520          2-4 Family                                       Primary                           Select Portfolio Servicing, In
        500805543          Single Family Residence                          Investment                        Select Portfolio Servicing, In
        500805647          Single Family Residence                          Primary                           Select Portfolio Servicing, In
        500806144          2-4 Family                                       Primary                           Select Portfolio Servicing, In
        500806147          Condo                                            Primary                           Select Portfolio Servicing, In
        500806183          PUD                                              Primary                           Select Portfolio Servicing, In
        500806213          Single Family Residence                          Secondary                         Select Portfolio Servicing, In
        500806040          Single Family Residence                          Primary                           Select Portfolio Servicing, In
        500806202          Single Family Residence                          Primary                           Select Portfolio Servicing, In
        500806364          Single Family Residence                          Primary                           Select Portfolio Servicing, In
        500806367          Single Family Residence                          Primary                           Select Portfolio Servicing, In
        500806567          Single Family Residence                          Primary                           Select Portfolio Servicing, In
        500806594          Single Family Residence                          Primary                           Select Portfolio Servicing, In
        500806839          PUD                                              Primary                           Select Portfolio Servicing, In
        500806743          Single Family Residence                          Investment                        Select Portfolio Servicing, In
        500806933          Single Family Residence                          Primary                           Select Portfolio Servicing, In
        500807462          2-4 Family                                       Investment                        Select Portfolio Servicing, In
        500807495          Co-op                                            Primary                           Select Portfolio Servicing, In
        500807533          PUD                                              Primary                           Select Portfolio Servicing, In
        500807585          Single Family Residence                          Primary                           Select Portfolio Servicing, In
        500807587          PUD                                              Primary                           Select Portfolio Servicing, In
        500807895          Condo                                            Primary                           Select Portfolio Servicing, In
        500807900          Single Family Residence                          Primary                           Select Portfolio Servicing, In
        500807903          Condo                                            Primary                           Select Portfolio Servicing, In
        500808000          Single Family Residence                          Primary                           Select Portfolio Servicing, In
        500808013          PUD                                              Primary                           Select Portfolio Servicing, In
        500808072          PUD                                              Investment                        Select Portfolio Servicing, In
        500808077          Single Family Residence                          Investment                        Select Portfolio Servicing, In
        500808139          Single Family Residence                          Investment                        Select Portfolio Servicing, In
        500808800          Single Family Residence                          Primary                           Select Portfolio Servicing, In
        500808128          Single Family Residence                          Investment                        Select Portfolio Servicing, In
        500809023          PUD                                              Primary                           Select Portfolio Servicing, In
        500796652          2-4 Family                                       Primary                           Select Portfolio Servicing, In
        500809166          PUD                                              Primary                           Select Portfolio Servicing, In
        500809387          PUD                                              Investment                        Select Portfolio Servicing, In
        500809405          2-4 Family                                       Primary                           Select Portfolio Servicing, In
        500809427          PUD                                              Primary                           Select Portfolio Servicing, In
        500794432          Town House                                       Primary                           Select Portfolio Servicing, In
        500810345          Town House                                       Primary                           Select Portfolio Servicing, In
        500810379          Single Family Residence                          Primary                           Select Portfolio Servicing, In
        500809579          Single Family Residence                          Primary                           Select Portfolio Servicing, In
        500811401          Condo                                            Primary                           Select Portfolio Servicing, In
        500810740          Single Family Residence                          Primary                           Select Portfolio Servicing, In
        500811568          Single Family Residence                          Primary                           Select Portfolio Servicing, In
        500811806          Condo                                            Investment                        Select Portfolio Servicing, In
        500812485          PUD                                              Primary                           Select Portfolio Servicing, In
        500812533          PUD                                              Primary                           Select Portfolio Servicing, In
        500812707          Single Family Residence                          Primary                           Select Portfolio Servicing, In
        500812710          Single Family Residence                          Primary                           Select Portfolio Servicing, In
        500812714          Single Family Residence                          Primary                           Select Portfolio Servicing, In
        500812715          Single Family Residence                          Primary                           Select Portfolio Servicing, In
        500812716          Single Family Residence                          Primary                           Select Portfolio Servicing, In
        500812720          Single Family Residence                          Primary                           Select Portfolio Servicing, In
        500812742          Single Family Residence                          Primary                           Select Portfolio Servicing, In
        500812839          Single Family Residence                          Primary                           Select Portfolio Servicing, In
        500812992          Single Family Residence                          Primary                           Select Portfolio Servicing, In
        500802412          Single Family Residence                          Primary                           Select Portfolio Servicing, In
        500813179          Single Family Residence                          Primary                           Select Portfolio Servicing, In
        500813186          PUD                                              Investment                        Select Portfolio Servicing, In
        500813200          Single Family Residence                          Primary                           Select Portfolio Servicing, In
        500813431          Single Family Residence                          Primary                           Select Portfolio Servicing, In
        500777840          PUD                                              Secondary                         Select Portfolio Servicing, In
        500772684          Single Family Residence                          Primary                           Select Portfolio Servicing, In
        500813496          Single Family Residence                          Primary                           Select Portfolio Servicing, In
        500813652          Single Family Residence                          Primary                           Select Portfolio Servicing, In
        500740344          Condo                                            Primary                           Select Portfolio Servicing, In
        500813690          Single Family Residence                          Primary                           Select Portfolio Servicing, In
        500813822          Single Family Residence                          Primary                           Select Portfolio Servicing, In
        500813885          Single Family Residence                          Investment                        Select Portfolio Servicing, In
        500813898          Single Family Residence                          Primary                           Select Portfolio Servicing, In
        500814038          Single Family Residence                          Primary                           Select Portfolio Servicing, In
        500814063          PUD                                              Primary                           Select Portfolio Servicing, In
        500814062          PUD                                              Primary                           Select Portfolio Servicing, In
        500814071          Single Family Residence                          Primary                           Select Portfolio Servicing, In
        500814124          Single Family Residence                          Primary                           Select Portfolio Servicing, In
        500814175          Single Family Residence                          Primary                           Select Portfolio Servicing, In
        500814382          Single Family Residence                          Primary                           Select Portfolio Servicing, In
        500814383          2-4 Family                                       Investment                        Select Portfolio Servicing, In
        500814430          Single Family Residence                          Primary                           Select Portfolio Servicing, In
        500814573          Single Family Residence                          Primary                           Select Portfolio Servicing, In
        500814574          Single Family Residence                          Primary                           Select Portfolio Servicing, In
        500814575          Single Family Residence                          Primary                           Select Portfolio Servicing, In
        500814578          Single Family Residence                          Primary                           Select Portfolio Servicing, In
        500814579          Single Family Residence                          Primary                           Select Portfolio Servicing, In
        500814718          Single Family Residence                          Investment                        Select Portfolio Servicing, In
        500814771          2-4 Family                                       Primary                           Select Portfolio Servicing, In
        500814806          Single Family Residence                          Investment                        Select Portfolio Servicing, In
        500814762          Single Family Residence                          Primary                           Select Portfolio Servicing, In
        500814868          Single Family Residence                          Primary                           Select Portfolio Servicing, In
        500814883          PUD                                              Primary                           Select Portfolio Servicing, In
        500814872          Single Family Residence                          Primary                           Select Portfolio Servicing, In
        500814808          PUD                                              Secondary                         Select Portfolio Servicing, In
        500814224          PUD                                              Investment                        Select Portfolio Servicing, In
        500814946          Condo                                            Primary                           Select Portfolio Servicing, In
        500815299          Single Family Residence                          Primary                           Select Portfolio Servicing, In
        500815377          2-4 Family                                       Investment                        Select Portfolio Servicing, In
        500815323          2-4 Family                                       Investment                        Select Portfolio Servicing, In
        500815395          2-4 Family                                       Investment                        Select Portfolio Servicing, In
        500815433          Single Family Residence                          Primary                           Select Portfolio Servicing, In
        500809240          Single Family Residence                          Primary                           Select Portfolio Servicing, In
        500815484          2-4 Family                                       Primary                           Select Portfolio Servicing, In
        500815444          2-4 Family                                       Primary                           Select Portfolio Servicing, In
        500815747          2-4 Family                                       Investment                        Select Portfolio Servicing, In
        500815824          Single Family Residence                          Primary                           Select Portfolio Servicing, In
        500815857          PUD                                              Primary                           Select Portfolio Servicing, In
        500815863          PUD                                              Primary                           Select Portfolio Servicing, In
        500815905          Single Family Residence                          Primary                           Select Portfolio Servicing, In
        500815938          Single Family Residence                          Primary                           Select Portfolio Servicing, In
        500815956          PUD                                              Primary                           Select Portfolio Servicing, In
        500815984          Condo                                            Primary                           Select Portfolio Servicing, In
        500813699          Condo                                            Primary                           Select Portfolio Servicing, In
        500816230          Single Family Residence                          Primary                           Select Portfolio Servicing, In
        500816243          Single Family Residence                          Investment                        Select Portfolio Servicing, In
        500816247          Single Family Residence                          Primary                           Select Portfolio Servicing, In
        500816258          Single Family Residence                          Primary                           Select Portfolio Servicing, In
        500816282          Single Family Residence                          Primary                           Select Portfolio Servicing, In
        500816389          Single Family Residence                          Primary                           Select Portfolio Servicing, In
        500816397          Town House                                       Primary                           Select Portfolio Servicing, In
        500816459          Condo                                            Primary                           Select Portfolio Servicing, In
        500816188          Single Family Residence                          Primary                           Select Portfolio Servicing, In
        500816578          Town House                                       Primary                           Select Portfolio Servicing, In
        500816602          PUD                                              Secondary                         Select Portfolio Servicing, In
        500816606          Single Family Residence                          Primary                           Select Portfolio Servicing, In
        500816177          Single Family Residence                          Primary                           Select Portfolio Servicing, In
        500816723          PUD                                              Primary                           Select Portfolio Servicing, In
        500816732          PUD                                              Primary                           Select Portfolio Servicing, In
        500817035          Single Family Residence                          Primary                           Select Portfolio Servicing, In
        500813920          Single Family Residence                          Primary                           Select Portfolio Servicing, In
        500817278          PUD                                              Primary                           Select Portfolio Servicing, In
        500811389          Single Family Residence                          Secondary                         Select Portfolio Servicing, In
        500817450          Single Family Residence                          Primary                           Select Portfolio Servicing, In
        500817456          2-4 Family                                       Investment                        Select Portfolio Servicing, In
        500817457          Single Family Residence                          Investment                        Select Portfolio Servicing, In
        500817460          Single Family Residence                          Primary                           Select Portfolio Servicing, In
        500817461          Single Family Residence                          Primary                           Select Portfolio Servicing, In
        500817463          Single Family Residence                          Primary                           Select Portfolio Servicing, In
        500817465          Single Family Residence                          Primary                           Select Portfolio Servicing, In
        500817467          Single Family Residence                          Primary                           Select Portfolio Servicing, In
        500817515          Single Family Residence                          Primary                           Select Portfolio Servicing, In
        500817585          2-4 Family                                       Primary                           Select Portfolio Servicing, In
        500817615          Condo                                            Primary                           Select Portfolio Servicing, In
        500817657          Single Family Residence                          Primary                           Select Portfolio Servicing, In
        500817660          2-4 Family                                       Investment                        Select Portfolio Servicing, In
        500817731          Single Family Residence                          Primary                           Select Portfolio Servicing, In
        500817752          Condo                                            Secondary                         Select Portfolio Servicing, In
        500817945          Town House                                       Primary                           Select Portfolio Servicing, In
        500810652          PUD                                              Secondary                         Select Portfolio Servicing, In
        500817986          Single Family Residence                          Primary                           Select Portfolio Servicing, In
        500812812          Single Family Residence                          Primary                           Select Portfolio Servicing, In
        500818122          Single Family Residence                          Primary                           Select Portfolio Servicing, In
        500818198          Single Family Residence                          Primary                           Select Portfolio Servicing, In
        500818071          Single Family Residence                          Primary                           Select Portfolio Servicing, In
        500768076          PUD                                              Primary                           Select Portfolio Servicing, In
        500818488          Single Family Residence                          Primary                           Select Portfolio Servicing, In
        500818616          2-4 Family                                       Investment                        Select Portfolio Servicing, In
        500818657          PUD                                              Primary                           Select Portfolio Servicing, In
        500818702          Single Family Residence                          Primary                           Select Portfolio Servicing, In
        500818767          Single Family Residence                          Primary                           Select Portfolio Servicing, In
        500818821          Condo                                            Primary                           Select Portfolio Servicing, In
        500793436          2-4 Family                                       Primary                           Select Portfolio Servicing, In
        500819040          PUD                                              Primary                           Select Portfolio Servicing, In
        500819131          Single Family Residence                          Primary                           Select Portfolio Servicing, In
        500819470          2-4 Family                                       Primary                           Select Portfolio Servicing, In
        500819422          Single Family Residence                          Primary                           Select Portfolio Servicing, In
        500819518          PUD                                              Secondary                         Select Portfolio Servicing, In
        500819407          Single Family Residence                          Primary                           Select Portfolio Servicing, In
        500819477          2-4 Family                                       Primary                           Select Portfolio Servicing, In
        500819374          PUD                                              Primary                           Select Portfolio Servicing, In
        500819623          Condo                                            Primary                           Select Portfolio Servicing, In
        500819622          2-4 Family                                       Primary                           Select Portfolio Servicing, In
        500819661          2-4 Family                                       Investment                        Select Portfolio Servicing, In
        500819684          Single Family Residence                          Primary                           Select Portfolio Servicing, In
        500819695          PUD                                              Primary                           Select Portfolio Servicing, In
        500819774          PUD                                              Primary                           Select Portfolio Servicing, In
        500819504          Single Family Residence                          Primary                           Select Portfolio Servicing, In
        500819527          Condo                                            Investment                        Select Portfolio Servicing, In
        500819580          Single Family Residence                          Primary                           Select Portfolio Servicing, In
        500819852          Single Family Residence                          Primary                           Select Portfolio Servicing, In
        500819891          Single Family Residence                          Primary                           Select Portfolio Servicing, In
        500819902          Single Family Residence                          Investment                        Select Portfolio Servicing, In
        500819907          PUD                                              Primary                           Select Portfolio Servicing, In
        500819917          Single Family Residence                          Primary                           Select Portfolio Servicing, In
        500820057          2-4 Family                                       Primary                           Select Portfolio Servicing, In
        500820088          PUD                                              Primary                           Select Portfolio Servicing, In
        500820112          Single Family Residence                          Primary                           Select Portfolio Servicing, In
        500820151          PUD                                              Primary                           Select Portfolio Servicing, In
        500820187          PUD                                              Primary                           Select Portfolio Servicing, In
        500819255          Single Family Residence                          Primary                           Select Portfolio Servicing, In
        500820206          Single Family Residence                          Primary                           Select Portfolio Servicing, In
        500820236          Single Family Residence                          Primary                           Select Portfolio Servicing, In
        500820246          Single Family Residence                          Investment                        Select Portfolio Servicing, In
        500820248          Single Family Residence                          Primary                           Select Portfolio Servicing, In
        500820306          PUD                                              Primary                           Select Portfolio Servicing, In
        500819317          PUD                                              Investment                        Select Portfolio Servicing, In
        500820409          Single Family Residence                          Primary                           Select Portfolio Servicing, In
        500820460          2-4 Family                                       Primary                           Select Portfolio Servicing, In
        500820578          2-4 Family                                       Investment                        Select Portfolio Servicing, In
        500820661          PUD                                              Primary                           Select Portfolio Servicing, In
        500820677          PUD                                              Primary                           Select Portfolio Servicing, In
        500820683          Single Family Residence                          Primary                           Select Portfolio Servicing, In
        500820293          2-4 Family                                       Primary                           Select Portfolio Servicing, In
        500820721          Single Family Residence                          Primary                           Select Portfolio Servicing, In
        500820723          PUD                                              Primary                           Select Portfolio Servicing, In
        500820772          PUD                                              Primary                           Select Portfolio Servicing, In
        500820415          Single Family Residence                          Investment                        Select Portfolio Servicing, In
        500820770          Single Family Residence                          Primary                           Select Portfolio Servicing, In
        500820831          PUD                                              Primary                           Select Portfolio Servicing, In
        500820833          Single Family Residence                          Primary                           Select Portfolio Servicing, In
        500821182          2-4 Family                                       Investment                        Select Portfolio Servicing, In
        500821234          Single Family Residence                          Primary                           Select Portfolio Servicing, In
        500821299          2-4 Family                                       Investment                        Select Portfolio Servicing, In
        500821378          Single Family Residence                          Primary                           Select Portfolio Servicing, In
        500821627          PUD                                              Primary                           Select Portfolio Servicing, In
        500813749          Condo                                            Secondary                         Select Portfolio Servicing, In
        500813101          Single Family Residence                          Primary                           Select Portfolio Servicing, In
        500821654          Single Family Residence                          Primary                           Select Portfolio Servicing, In
        500821134          Single Family Residence                          Primary                           Select Portfolio Servicing, In
        500812084          PUD                                              Primary                           Select Portfolio Servicing, In
        500821738          PUD                                              Primary                           Select Portfolio Servicing, In
        500821787          PUD                                              Primary                           Select Portfolio Servicing, In
        500821789          Single Family Residence                          Primary                           Select Portfolio Servicing, In
        500821800          Single Family Residence                          Primary                           Select Portfolio Servicing, In
        500821867          Single Family Residence                          Primary                           Select Portfolio Servicing, In
        500821868          Condo                                            Primary                           Select Portfolio Servicing, In
        500821869          Single Family Residence                          Primary                           Select Portfolio Servicing, In
        500821870          Single Family Residence                          Investment                        Select Portfolio Servicing, In
        500821872          Condo                                            Primary                           Select Portfolio Servicing, In
        500821873          Condo                                            Primary                           Select Portfolio Servicing, In
        500821874          Single Family Residence                          Primary                           Select Portfolio Servicing, In
        500822063          PUD                                              Primary                           Select Portfolio Servicing, In
        500822081          Single Family Residence                          Primary                           Select Portfolio Servicing, In
        500820769          Condo                                            Primary                           Select Portfolio Servicing, In
        500822252          PUD                                              Primary                           Select Portfolio Servicing, In
        500822323          Condo                                            Secondary                         Select Portfolio Servicing, In
        500822077          PUD                                              Primary                           Select Portfolio Servicing, In
        500816116          Single Family Residence                          Primary                           Select Portfolio Servicing, In
        500822367          PUD                                              Primary                           Select Portfolio Servicing, In
        500822377          Single Family Residence                          Investment                        Select Portfolio Servicing, In
        500822386          Single Family Residence                          Primary                           Select Portfolio Servicing, In
        500822468          PUD                                              Primary                           Select Portfolio Servicing, In
        500822513          Single Family Residence                          Primary                           Select Portfolio Servicing, In
        500822517          2-4 Family                                       Primary                           Select Portfolio Servicing, In
        500822567          PUD                                              Primary                           Select Portfolio Servicing, In
        500822687          PUD                                              Investment                        Select Portfolio Servicing, In
        500822697          Single Family Residence                          Primary                           Select Portfolio Servicing, In
        500761875          PUD                                              Primary                           Select Portfolio Servicing, In
        500822729          Single Family Residence                          Primary                           Select Portfolio Servicing, In
        500822767          Single Family Residence                          Primary                           Select Portfolio Servicing, In
        500822778          Single Family Residence                          Primary                           Select Portfolio Servicing, In
        500822801          Single Family Residence                          Primary                           Select Portfolio Servicing, In
        500822807          PUD                                              Primary                           Select Portfolio Servicing, In
        500823061          Single Family Residence                          Investment                        Select Portfolio Servicing, In
        500823088          Single Family Residence                          Primary                           Select Portfolio Servicing, In
        500823100          Single Family Residence                          Primary                           Select Portfolio Servicing, In
        500822890          Condo                                            Primary                           Select Portfolio Servicing, In
        500823178          Single Family Residence                          Primary                           Select Portfolio Servicing, In
        500823180          Single Family Residence                          Primary                           Select Portfolio Servicing, In
        500823289          Single Family Residence                          Primary                           Select Portfolio Servicing, In
        500823287          Single Family Residence                          Primary                           Select Portfolio Servicing, In
        500823321          Single Family Residence                          Investment                        Select Portfolio Servicing, In
        500823358          Single Family Residence                          Primary                           Select Portfolio Servicing, In
        500777026          Single Family Residence                          Primary                           Select Portfolio Servicing, In
        500823376          Single Family Residence                          Primary                           Select Portfolio Servicing, In
        500823401          Single Family Residence                          Primary                           Select Portfolio Servicing, In
        500823408          Single Family Residence                          Primary                           Select Portfolio Servicing, In
        500823457          2-4 Family                                       Primary                           Select Portfolio Servicing, In
        500823179          PUD                                              Investment                        Select Portfolio Servicing, In
        500823535          PUD                                              Secondary                         Select Portfolio Servicing, In
        500823590          2-4 Family                                       Primary                           Select Portfolio Servicing, In
        500823613          Single Family Residence                          Investment                        Select Portfolio Servicing, In
        500823744          Single Family Residence                          Primary                           Select Portfolio Servicing, In
        500823747          Single Family Residence                          Investment                        Select Portfolio Servicing, In
        500823732          Condo                                            Primary                           Select Portfolio Servicing, In
        500823788          Single Family Residence                          Investment                        Select Portfolio Servicing, In
        500823800          Single Family Residence                          Investment                        Select Portfolio Servicing, In
        500823905          PUD                                              Primary                           Select Portfolio Servicing, In
        500824184          Condo                                            Primary                           Select Portfolio Servicing, In
        500824126          Single Family Residence                          Primary                           Select Portfolio Servicing, In
        500824256          PUD                                              Investment                        Select Portfolio Servicing, In
        500824270          PUD                                              Investment                        Select Portfolio Servicing, In
        500823687          Single Family Residence                          Primary                           Select Portfolio Servicing, In
        500824351          Single Family Residence                          Primary                           Select Portfolio Servicing, In
        500816997          2-4 Family                                       Primary                           Select Portfolio Servicing, In
        500824433          2-4 Family                                       Primary                           Select Portfolio Servicing, In
        500824438          Condo                                            Primary                           Select Portfolio Servicing, In
        500824474          Single Family Residence                          Primary                           Select Portfolio Servicing, In
        500824497          2-4 Family                                       Primary                           Select Portfolio Servicing, In
        500824542          Single Family Residence                          Primary                           Select Portfolio Servicing, In
        500824548          PUD                                              Primary                           Select Portfolio Servicing, In
        500824617          Single Family Residence                          Primary                           Select Portfolio Servicing, In
        500824614          Single Family Residence                          Primary                           Select Portfolio Servicing, In
        500824775          PUD                                              Primary                           Select Portfolio Servicing, In
        500803952          Single Family Residence                          Primary                           Select Portfolio Servicing, In
        500775864          2-4 Family                                       Primary                           Select Portfolio Servicing, In
        500824968          PUD                                              Primary                           Select Portfolio Servicing, In
        500824972          Single Family Residence                          Primary                           Select Portfolio Servicing, In
        500825030          Single Family Residence                          Primary                           Select Portfolio Servicing, In
        500825090          Single Family Residence                          Primary                           Select Portfolio Servicing, In
        500825101          Single Family Residence                          Primary                           Select Portfolio Servicing, In
        500825165          Single Family Residence                          Primary                           Select Portfolio Servicing, In
        500825194          Single Family Residence                          Primary                           Select Portfolio Servicing, In
        500825290          Single Family Residence                          Primary                           Select Portfolio Servicing, In
        500825456          Single Family Residence                          Primary                           Select Portfolio Servicing, In
        500825507          PUD                                              Investment                        Select Portfolio Servicing, In
        500825512          PUD                                              Secondary                         Select Portfolio Servicing, In
        500825609          PUD                                              Primary                           Select Portfolio Servicing, In
        500825620          Single Family Residence                          Primary                           Select Portfolio Servicing, In
        500816484          Single Family Residence                          Primary                           Select Portfolio Servicing, In
        500825691          2-4 Family                                       Investment                        Select Portfolio Servicing, In
        500825858          Single Family Residence                          Primary                           Select Portfolio Servicing, In
        500794236          Single Family Residence                          Primary                           Select Portfolio Servicing, In
        500814632          Condo                                            Primary                           Select Portfolio Servicing, In
        500825741          Condo                                            Primary                           Select Portfolio Servicing, In
        500825934          PUD                                              Primary                           Select Portfolio Servicing, In
        500825939          Single Family Residence                          Primary                           Select Portfolio Servicing, In
        500825973          Condo                                            Primary                           Select Portfolio Servicing, In
        500825977          PUD                                              Secondary                         Select Portfolio Servicing, In
        500826000          Single Family Residence                          Investment                        Select Portfolio Servicing, In
        500826011          Condo                                            Investment                        Select Portfolio Servicing, In
        500826039          PUD                                              Investment                        Select Portfolio Servicing, In
        500826051          2-4 Family                                       Investment                        Select Portfolio Servicing, In
        500826064          2-4 Family                                       Primary                           Select Portfolio Servicing, In
        500826097          Condo                                            Primary                           Select Portfolio Servicing, In
        500826057          Single Family Residence                          Investment                        Select Portfolio Servicing, In
        500826172          Single Family Residence                          Investment                        Select Portfolio Servicing, In
        500826222          Single Family Residence                          Investment                        Select Portfolio Servicing, In
        500826249          PUD                                              Primary                           Select Portfolio Servicing, In
        500826266          Single Family Residence                          Investment                        Select Portfolio Servicing, In
        500826270          2-4 Family                                       Primary                           Select Portfolio Servicing, In
        500824643          Single Family Residence                          Primary                           Select Portfolio Servicing, In
        500826424          PUD                                              Investment                        Select Portfolio Servicing, In
        500826482          Single Family Residence                          Primary                           Select Portfolio Servicing, In
        500826483          PUD                                              Primary                           Select Portfolio Servicing, In
        500826484          Single Family Residence                          Primary                           Select Portfolio Servicing, In
        500826485          Single Family Residence                          Primary                           Select Portfolio Servicing, In
        500826486          Single Family Residence                          Primary                           Select Portfolio Servicing, In
        500826489          Single Family Residence                          Primary                           Select Portfolio Servicing, In
        500826491          Condo                                            Primary                           Select Portfolio Servicing, In
        500826493          2-4 Family                                       Primary                           Select Portfolio Servicing, In
        500826496          Condo                                            Primary                           Select Portfolio Servicing, In
        500826498          Single Family Residence                          Primary                           Select Portfolio Servicing, In
        500826531          Single Family Residence                          Primary                           Select Portfolio Servicing, In
        500826532          Single Family Residence                          Primary                           Select Portfolio Servicing, In
        500826551          Single Family Residence                          Primary                           Select Portfolio Servicing, In
        500826560          Single Family Residence                          Primary                           Select Portfolio Servicing, In
        500826609          PUD                                              Primary                           Select Portfolio Servicing, In
        500826613          PUD                                              Primary                           Select Portfolio Servicing, In
        500826614          Single Family Residence                          Primary                           Select Portfolio Servicing, In
        500826618          Single Family Residence                          Primary                           Select Portfolio Servicing, In
        500826616          Single Family Residence                          Primary                           Select Portfolio Servicing, In
        500826625          Single Family Residence                          Primary                           Select Portfolio Servicing, In
        500797448          PUD                                              Primary                           Select Portfolio Servicing, In
        500826753          Single Family Residence                          Primary                           Select Portfolio Servicing, In
        500817360          PUD                                              Primary                           Select Portfolio Servicing, In
        500826791          Single Family Residence                          Primary                           Select Portfolio Servicing, In
        500826799          Single Family Residence                          Primary                           Select Portfolio Servicing, In
        500826829          2-4 Family                                       Primary                           Select Portfolio Servicing, In
        500826856          Single Family Residence                          Primary                           Select Portfolio Servicing, In
        500826858          PUD                                              Primary                           Select Portfolio Servicing, In
        500826811          2-4 Family                                       Primary                           Select Portfolio Servicing, In
        500826894          Single Family Residence                          Primary                           Select Portfolio Servicing, In
        500826913          Condo                                            Primary                           Select Portfolio Servicing, In
        500826777          Single Family Residence                          Investment                        Select Portfolio Servicing, In
        500819217          PUD                                              Secondary                         Select Portfolio Servicing, In
        500827232          Single Family Residence                          Primary                           Select Portfolio Servicing, In
        500827212          Single Family Residence                          Investment                        Select Portfolio Servicing, In
        500827273          2-4 Family                                       Primary                           Select Portfolio Servicing, In
        500774322          Condo                                            Primary                           Select Portfolio Servicing, In
        500802249          Single Family Residence                          Primary                           Select Portfolio Servicing, In
        500797359          Single Family Residence                          Primary                           Select Portfolio Servicing, In
        500794074          PUD                                              Primary                           Select Portfolio Servicing, In
        500827318          2-4 Family                                       Investment                        Select Portfolio Servicing, In
        500827137          PUD                                              Primary                           Select Portfolio Servicing, In
        500791970          Single Family Residence                          Investment                        Select Portfolio Servicing, In
        500824664          Single Family Residence                          Primary                           Select Portfolio Servicing, In
        500827507          PUD                                              Primary                           Select Portfolio Servicing, In
        500827510          PUD                                              Primary                           Select Portfolio Servicing, In
        500827059          Single Family Residence                          Primary                           Select Portfolio Servicing, In
        500827840          Condo                                            Primary                           Select Portfolio Servicing, In
        500827886          Single Family Residence                          Primary                           Select Portfolio Servicing, In
        500827897          2-4 Family                                       Investment                        Select Portfolio Servicing, In
        500827906          Single Family Residence                          Primary                           Select Portfolio Servicing, In
        500827931          Single Family Residence                          Primary                           Select Portfolio Servicing, In
        500827953          Single Family Residence                          Primary                           Select Portfolio Servicing, In
        500827961          Single Family Residence                          Primary                           Select Portfolio Servicing, In
        500827985          Single Family Residence                          Primary                           Select Portfolio Servicing, In
        500828091          PUD                                              Investment                        Select Portfolio Servicing, In
        500828116          Single Family Residence                          Primary                           Select Portfolio Servicing, In
        500828092          PUD                                              Investment                        Select Portfolio Servicing, In
        500828150          Single Family Residence                          Primary                           Select Portfolio Servicing, In
        500827167          Single Family Residence                          Primary                           Select Portfolio Servicing, In
        500828334          Condo                                            Primary                           Select Portfolio Servicing, In
        500828472          PUD                                              Investment                        Select Portfolio Servicing, In
        500828475          PUD                                              Primary                           Select Portfolio Servicing, In
        500828478          PUD                                              Investment                        Select Portfolio Servicing, In
        500828524          Single Family Residence                          Primary                           Select Portfolio Servicing, In
        500828926          PUD                                              Primary                           Select Portfolio Servicing, In
        500819717          Single Family Residence                          Primary                           Select Portfolio Servicing, In
        500828943          Condo                                            Primary                           Select Portfolio Servicing, In
        500828964          Single Family Residence                          Primary                           Select Portfolio Servicing, In
        500829132          Single Family Residence                          Primary                           Select Portfolio Servicing, In
        500829210          Condo                                            Investment                        Select Portfolio Servicing, In
        500829255          Single Family Residence                          Primary                           Select Portfolio Servicing, In
        500829301          Single Family Residence                          Primary                           Select Portfolio Servicing, In
        500829336          Single Family Residence                          Primary                           Select Portfolio Servicing, In
        500829338          PUD                                              Primary                           Select Portfolio Servicing, In
        500829354          Single Family Residence                          Primary                           Select Portfolio Servicing, In
        500829420          Single Family Residence                          Primary                           Select Portfolio Servicing, In
        500829472          2-4 Family                                       Primary                           Select Portfolio Servicing, In
        500793380          2-4 Family                                       Primary                           Select Portfolio Servicing, In
        500829564          Town House                                       Primary                           Select Portfolio Servicing, In
        500829622          Single Family Residence                          Primary                           Select Portfolio Servicing, In
        500829643          PUD                                              Primary                           Select Portfolio Servicing, In
        500829650          Single Family Residence                          Primary                           Select Portfolio Servicing, In
        500829660          Single Family Residence                          Primary                           Select Portfolio Servicing, In
        500829676          Condo                                            Primary                           Select Portfolio Servicing, In
        500829674          Single Family Residence                          Primary                           Select Portfolio Servicing, In
        500829678          Single Family Residence                          Primary                           Select Portfolio Servicing, In
        500829713          PUD                                              Primary                           Select Portfolio Servicing, In
        500829719          PUD                                              Primary                           Select Portfolio Servicing, In
        500829720          Condo                                            Primary                           Select Portfolio Servicing, In
        500829721          Single Family Residence                          Primary                           Select Portfolio Servicing, In
        500829733          Condo                                            Primary                           Select Portfolio Servicing, In
        500829795          Condo                                            Primary                           Select Portfolio Servicing, In
        500829796          Single Family Residence                          Primary                           Select Portfolio Servicing, In
        500829801          Single Family Residence                          Primary                           Select Portfolio Servicing, In
        500829802          Condo                                            Primary                           Select Portfolio Servicing, In
        500830070          Single Family Residence                          Primary                           Select Portfolio Servicing, In
        500830085          Single Family Residence                          Primary                           Select Portfolio Servicing, In
        500830233          PUD                                              Primary                           Select Portfolio Servicing, In
        500830296          PUD                                              Primary                           Select Portfolio Servicing, In
        500830308          Single Family Residence                          Primary                           Select Portfolio Servicing, In
        500830325          PUD                                              Investment                        Select Portfolio Servicing, In
        500830330          PUD                                              Primary                           Select Portfolio Servicing, In
        500830547          Single Family Residence                          Primary                           Select Portfolio Servicing, In
        500830575          Single Family Residence                          Primary                           Select Portfolio Servicing, In
        500830613          PUD                                              Secondary                         Select Portfolio Servicing, In
        500830616          2-4 Family                                       Investment                        Select Portfolio Servicing, In
        500830648          Single Family Residence                          Secondary                         Select Portfolio Servicing, In
        500830904          Single Family Residence                          Primary                           Select Portfolio Servicing, In
        500830898          2-4 Family                                       Primary                           Select Portfolio Servicing, In
        500830948          Single Family Residence                          Primary                           Select Portfolio Servicing, In
        500830951          Single Family Residence                          Primary                           Select Portfolio Servicing, In
        500831043          Single Family Residence                          Primary                           Select Portfolio Servicing, In
        500805710          Single Family Residence                          Primary                           Select Portfolio Servicing, In
        500831115          PUD                                              Primary                           Select Portfolio Servicing, In
        500831120          Single Family Residence                          Primary                           Select Portfolio Servicing, In
        500831257          Single Family Residence                          Primary                           Select Portfolio Servicing, In
        500831298          2-4 Family                                       Primary                           Select Portfolio Servicing, In
        500831381          Single Family Residence                          Primary                           Select Portfolio Servicing, In
        500831410          2-4 Family                                       Primary                           Select Portfolio Servicing, In
        500831433          PUD                                              Primary                           Select Portfolio Servicing, In
        500792851          Single Family Residence                          Primary                           Select Portfolio Servicing, In
        500831486          Single Family Residence                          Primary                           Select Portfolio Servicing, In
        500811315          Single Family Residence                          Primary                           Select Portfolio Servicing, In
        500826002          Single Family Residence                          Primary                           Select Portfolio Servicing, In
        500831665          Single Family Residence                          Primary                           Select Portfolio Servicing, In
        500831699          2-4 Family                                       Primary                           Select Portfolio Servicing, In
        500831726          PUD                                              Primary                           Select Portfolio Servicing, In
        500803625          Condo                                            Primary                           Select Portfolio Servicing, In
        500831851          Single Family Residence                          Primary                           Select Portfolio Servicing, In
        500831865          PUD                                              Primary                           Select Portfolio Servicing, In
        500831870          Single Family Residence                          Primary                           Select Portfolio Servicing, In
        500831894          Single Family Residence                          Primary                           Select Portfolio Servicing, In
        500831902          Condo                                            Primary                           Select Portfolio Servicing, In
        500831907          2-4 Family                                       Investment                        Select Portfolio Servicing, In
        500831908          Single Family Residence                          Primary                           Select Portfolio Servicing, In
        500831909          Single Family Residence                          Primary                           Select Portfolio Servicing, In
        500831946          Single Family Residence                          Primary                           Select Portfolio Servicing, In
        500832076          Single Family Residence                          Investment                        Select Portfolio Servicing, In
        500832226          2-4 Family                                       Primary                           Select Portfolio Servicing, In
        500832227          PUD                                              Primary                           Select Portfolio Servicing, In
        500832244          Single Family Residence                          Primary                           Select Portfolio Servicing, In
        500832446          2-4 Family                                       Primary                           Select Portfolio Servicing, In
        500832644          2-4 Family                                       Primary                           Select Portfolio Servicing, In
        500832661          Condo                                            Secondary                         Select Portfolio Servicing, In
        500832672          Single Family Residence                          Primary                           Select Portfolio Servicing, In
        500832696          PUD                                              Primary                           Select Portfolio Servicing, In
        500832733          Single Family Residence                          Primary                           Select Portfolio Servicing, In
        500832760          Single Family Residence                          Primary                           Select Portfolio Servicing, In
        500826047          Single Family Residence                          Primary                           Select Portfolio Servicing, In
        500832822          Single Family Residence                          Primary                           Select Portfolio Servicing, In
        500832825          2-4 Family                                       Primary                           Select Portfolio Servicing, In
        500826003          Single Family Residence                          Primary                           Select Portfolio Servicing, In
        500816387          PUD                                              Primary                           Select Portfolio Servicing, In
        500833111          Single Family Residence                          Primary                           Select Portfolio Servicing, In
        500797406          2-4 Family                                       Investment                        Select Portfolio Servicing, In
        500833140          2-4 Family                                       Investment                        Select Portfolio Servicing, In
        500833175          Single Family Residence                          Primary                           Select Portfolio Servicing, In
        500833199          Single Family Residence                          Investment                        Select Portfolio Servicing, In
        500833254          2-4 Family                                       Primary                           Select Portfolio Servicing, In
        500822118          Single Family Residence                          Primary                           Select Portfolio Servicing, In
        500833386          2-4 Family                                       Primary                           Select Portfolio Servicing, In
        500833404          Condo                                            Primary                           Select Portfolio Servicing, In
        500833415          2-4 Family                                       Primary                           Select Portfolio Servicing, In
        500833374          2-4 Family                                       Primary                           Select Portfolio Servicing, In
        500831467          Single Family Residence                          Primary                           Select Portfolio Servicing, In
        500833043          Single Family Residence                          Primary                           Select Portfolio Servicing, In
        500833463          PUD                                              Investment                        Select Portfolio Servicing, In
        500833479          Single Family Residence                          Primary                           Select Portfolio Servicing, In
        500833618          Condo                                            Secondary                         Select Portfolio Servicing, In
        500833623          Single Family Residence                          Primary                           Select Portfolio Servicing, In
        500833730          Condo                                            Investment                        Select Portfolio Servicing, In
        500833791          Single Family Residence                          Primary                           Select Portfolio Servicing, In
        500833820          Single Family Residence                          Primary                           Select Portfolio Servicing, In
        500833863          PUD                                              Primary                           Select Portfolio Servicing, In
        500833861          2-4 Family                                       Primary                           Select Portfolio Servicing, In
        500833865          Condo                                            Primary                           Select Portfolio Servicing, In
        500833918          Single Family Residence                          Primary                           Select Portfolio Servicing, In
        500833922          Single Family Residence                          Secondary                         Select Portfolio Servicing, In
        500834083          Single Family Residence                          Primary                           Select Portfolio Servicing, In
        500834168          PUD                                              Primary                           Select Portfolio Servicing, In
        500834171          PUD                                              Primary                           Select Portfolio Servicing, In
        500806344          Single Family Residence                          Primary                           Select Portfolio Servicing, In
        500833902          Single Family Residence                          Primary                           Select Portfolio Servicing, In
        500834278          Single Family Residence                          Primary                           Select Portfolio Servicing, In
        500834271          Single Family Residence                          Primary                           Select Portfolio Servicing, In
        500834310          2-4 Family                                       Investment                        Select Portfolio Servicing, In
        500834329          Single Family Residence                          Primary                           Select Portfolio Servicing, In
        500834454          Single Family Residence                          Primary                           Select Portfolio Servicing, In
        500834459          Condo                                            Investment                        Select Portfolio Servicing, In
        500834637          PUD                                              Primary                           Select Portfolio Servicing, In
        500834522          Single Family Residence                          Primary                           Select Portfolio Servicing, In
        500834674          2-4 Family                                       Primary                           Select Portfolio Servicing, In
        500834864          PUD                                              Primary                           Select Portfolio Servicing, In
        500834898          Single Family Residence                          Primary                           Select Portfolio Servicing, In
        500834900          Single Family Residence                          Primary                           Select Portfolio Servicing, In
        500834919          2-4 Family                                       Primary                           Select Portfolio Servicing, In
        500835105          PUD                                              Primary                           Select Portfolio Servicing, In
        500801997          Condo                                            Primary                           Select Portfolio Servicing, In
        500835164          Single Family Residence                          Primary                           Select Portfolio Servicing, In
        500835198          Single Family Residence                          Primary                           Select Portfolio Servicing, In
        500835203          Single Family Residence                          Secondary                         Select Portfolio Servicing, In
        500835276          PUD                                              Investment                        Select Portfolio Servicing, In
        500835316          Condo                                            Secondary                         Select Portfolio Servicing, In
        500784487          2-4 Family                                       Primary                           Select Portfolio Servicing, In
        500835482          Single Family Residence                          Primary                           Select Portfolio Servicing, In
        500835516          2-4 Family                                       Primary                           Select Portfolio Servicing, In
        500835542          Single Family Residence                          Investment                        Select Portfolio Servicing, In
        500835598          2-4 Family                                       Investment                        Select Portfolio Servicing, In
        500835601          Single Family Residence                          Primary                           Select Portfolio Servicing, In
        500835609          Single Family Residence                          Primary                           Select Portfolio Servicing, In
        500835635          PUD                                              Primary                           Select Portfolio Servicing, In
        500835681          Single Family Residence                          Primary                           Select Portfolio Servicing, In
        500835701          Single Family Residence                          Primary                           Select Portfolio Servicing, In
        500835559          Single Family Residence                          Investment                        Select Portfolio Servicing, In
        500835642          2-4 Family                                       Primary                           Select Portfolio Servicing, In
        500835787          Single Family Residence                          Primary                           Select Portfolio Servicing, In
        500835860          Single Family Residence                          Primary                           Select Portfolio Servicing, In
        500835901          2-4 Family                                       Primary                           Select Portfolio Servicing, In
        500834547          Single Family Residence                          Primary                           Select Portfolio Servicing, In
        500836069          2-4 Family                                       Primary                           Select Portfolio Servicing, In
        500836099          Single Family Residence                          Primary                           Select Portfolio Servicing, In
        500836197          Single Family Residence                          Primary                           Select Portfolio Servicing, In
        500836227          2-4 Family                                       Primary                           Select Portfolio Servicing, In
        500799257          Single Family Residence                          Primary                           Select Portfolio Servicing, In
        500836307          Single Family Residence                          Investment                        Select Portfolio Servicing, In
        500836332          Single Family Residence                          Primary                           Select Portfolio Servicing, In
        500836537          Single Family Residence                          Investment                        Select Portfolio Servicing, In
        500836543          Single Family Residence                          Primary                           Select Portfolio Servicing, In
        500836631          PUD                                              Primary                           Select Portfolio Servicing, In
        500825132          Single Family Residence                          Primary                           Select Portfolio Servicing, In
        500836846          Single Family Residence                          Primary                           Select Portfolio Servicing, In
        500836969          2-4 Family                                       Investment                        Select Portfolio Servicing, In
        500836999          Single Family Residence                          Primary                           Select Portfolio Servicing, In
        500837022          Single Family Residence                          Primary                           Select Portfolio Servicing, In
        500834730          Single Family Residence                          Primary                           Select Portfolio Servicing, In
        500837056          Single Family Residence                          Primary                           Select Portfolio Servicing, In
        500837080          PUD                                              Primary                           Select Portfolio Servicing, In
        500837099          Single Family Residence                          Primary                           Select Portfolio Servicing, In
        500837152          Single Family Residence                          Primary                           Select Portfolio Servicing, In
        500837180          Single Family Residence                          Primary                           Select Portfolio Servicing, In
        500837193          Single Family Residence                          Primary                           Select Portfolio Servicing, In
        500837199          Single Family Residence                          Primary                           Select Portfolio Servicing, In
        500837217          Single Family Residence                          Primary                           Select Portfolio Servicing, In
        500837282          Single Family Residence                          Primary                           Select Portfolio Servicing, In
        500837334          Single Family Residence                          Primary                           Select Portfolio Servicing, In
        500837341          2-4 Family                                       Primary                           Select Portfolio Servicing, In
        500836565          Single Family Residence                          Investment                        Select Portfolio Servicing, In
        500837351          Single Family Residence                          Primary                           Select Portfolio Servicing, In
        500837358          PUD                                              Primary                           Select Portfolio Servicing, In
        500836718          Single Family Residence                          Investment                        Select Portfolio Servicing, In
        500837344          Single Family Residence                          Primary                           Select Portfolio Servicing, In
        500837335          Single Family Residence                          Primary                           Select Portfolio Servicing, In
        500836210          Single Family Residence                          Primary                           Select Portfolio Servicing, In
        500837436          2-4 Family                                       Primary                           Select Portfolio Servicing, In
        500837533          Condo                                            Primary                           Select Portfolio Servicing, In
        500837535          Single Family Residence                          Primary                           Select Portfolio Servicing, In
        500837536          Single Family Residence                          Primary                           Select Portfolio Servicing, In
        500837585          Single Family Residence                          Primary                           Select Portfolio Servicing, In
        500837598          PUD                                              Investment                        Select Portfolio Servicing, In
        500837614          2-4 Family                                       Primary                           Select Portfolio Servicing, In
        500780444          PUD                                              Primary                           Select Portfolio Servicing, In
        500837656          Single Family Residence                          Investment                        Select Portfolio Servicing, In
        500835555          Condo                                            Investment                        Select Portfolio Servicing, In
        500837696          Single Family Residence                          Primary                           Select Portfolio Servicing, In
        500837881          Single Family Residence                          Investment                        Select Portfolio Servicing, In
        500729341          Single Family Residence                          Primary                           Select Portfolio Servicing, In
        500837956          Single Family Residence                          Primary                           Select Portfolio Servicing, In
        500838076          Single Family Residence                          Primary                           Select Portfolio Servicing, In
        500838132          PUD                                              Primary                           Select Portfolio Servicing, In
        500838155          Single Family Residence                          Primary                           Select Portfolio Servicing, In
        500838195          Single Family Residence                          Primary                           Select Portfolio Servicing, In
        500838223          Condo                                            Primary                           Select Portfolio Servicing, In
        500838244          Single Family Residence                          Primary                           Select Portfolio Servicing, In
        500838250          Single Family Residence                          Primary                           Select Portfolio Servicing, In
        500838368          PUD                                              Secondary                         Select Portfolio Servicing, In
        500838370          Single Family Residence                          Primary                           Select Portfolio Servicing, In
        500838473          PUD                                              Primary                           Select Portfolio Servicing, In
        500838486          Single Family Residence                          Primary                           Select Portfolio Servicing, In
        500838498          PUD                                              Primary                           Select Portfolio Servicing, In
        500838554          Single Family Residence                          Primary                           Select Portfolio Servicing, In
        500838594          PUD                                              Primary                           Select Portfolio Servicing, In
        500838416          Condo                                            Primary                           Select Portfolio Servicing, In
        500838826          Single Family Residence                          Primary                           Select Portfolio Servicing, In
        500838858          2-4 Family                                       Primary                           Select Portfolio Servicing, In
        500838917          PUD                                              Primary                           Select Portfolio Servicing, In
        500838922          Condo                                            Primary                           Select Portfolio Servicing, In
        500838969          Single Family Residence                          Primary                           Select Portfolio Servicing, In
        500838994          Condo                                            Primary                           Select Portfolio Servicing, In
        500833561          Condo                                            Investment                        Select Portfolio Servicing, In
        500838660          Single Family Residence                          Primary                           Select Portfolio Servicing, In
        500839883          2-4 Family                                       Primary                           Select Portfolio Servicing, In
        500807086          Single Family Residence                          Primary                           Select Portfolio Servicing, In
        500812080          Single Family Residence                          Primary                           Select Portfolio Servicing, In
        500839929          2-4 Family                                       Primary                           Select Portfolio Servicing, In
        500776059          Single Family Residence                          Primary                           Select Portfolio Servicing, In
        500841687          Single Family Residence                          Primary                           Select Portfolio Servicing, In
        500842800          Single Family Residence                          Investment                        Select Portfolio Servicing, In
        500843206          Single Family Residence                          Primary                           Select Portfolio Servicing, In
        500843208          Single Family Residence                          Primary                           Select Portfolio Servicing, In
        500843263          Single Family Residence                          Primary                           Select Portfolio Servicing, In
        500843321          PUD                                              Investment                        Select Portfolio Servicing, In
        500843644          Single Family Residence                          Primary                           Select Portfolio Servicing, In
        500844002          PUD                                              Primary                           Select Portfolio Servicing, In
        500844335          Single Family Residence                          Primary                           Select Portfolio Servicing, In
        500844599          Single Family Residence                          Primary                           Select Portfolio Servicing, In
        500844609          Single Family Residence                          Primary                           Select Portfolio Servicing, In
        500839911          Single Family Residence                          Investment                        Select Portfolio Servicing, In
        500844550          2-4 Family                                       Primary                           Select Portfolio Servicing, In
        500844771          Town House                                       Primary                           Select Portfolio Servicing, In
        500844844          2-4 Family                                       Investment                        Select Portfolio Servicing, In
        500844998          PUD                                              Primary                           Select Portfolio Servicing, In
        500845002          Single Family Residence                          Primary                           Select Portfolio Servicing, In
        500845123          PUD                                              Investment                        Select Portfolio Servicing, In
        500845119          Condo                                            Primary                           Select Portfolio Servicing, In
        500845326          2-4 Family                                       Primary                           Select Portfolio Servicing, In
        500845595          Single Family Residence                          Primary                           Select Portfolio Servicing, In
        500838753          Single Family Residence                          Primary                           Select Portfolio Servicing, In
        500845641          2-4 Family                                       Investment                        Select Portfolio Servicing, In
        500845593          2-4 Family                                       Primary                           Select Portfolio Servicing, In
        500845721          Single Family Residence                          Primary                           Select Portfolio Servicing, In
        500845746          PUD                                              Primary                           Select Portfolio Servicing, In
        500845758          Single Family Residence                          Investment                        Select Portfolio Servicing, In
        500839917          PUD                                              Primary                           Select Portfolio Servicing, In
        500845810          PUD                                              Primary                           Select Portfolio Servicing, In
        500845815          Single Family Residence                          Primary                           Select Portfolio Servicing, In
        500845822          Single Family Residence                          Investment                        Select Portfolio Servicing, In
        500845853          Single Family Residence                          Primary                           Select Portfolio Servicing, In
        500835751          Single Family Residence                          Primary                           Select Portfolio Servicing, In
        500846256          Single Family Residence                          Primary                           Select Portfolio Servicing, In
        500847505          Single Family Residence                          Primary                           Select Portfolio Servicing, In
        500847437          Town House                                       Primary                           Select Portfolio Servicing, In
        500847513          Single Family Residence                          Primary                           Select Portfolio Servicing, In
        500818840          Single Family Residence                          Primary                           Select Portfolio Servicing, In
        500847614          Condo                                            Primary                           Select Portfolio Servicing, In
        500847660          2-4 Family                                       Primary                           Select Portfolio Servicing, In
        500847667          Single Family Residence                          Primary                           Select Portfolio Servicing, In
        500847733          2-4 Family                                       Primary                           Select Portfolio Servicing, In
        500847744          Single Family Residence                          Primary                           Select Portfolio Servicing, In
        500847758          PUD                                              Primary                           Select Portfolio Servicing, In
        500847763          PUD                                              Primary                           Select Portfolio Servicing, In
        500847827          Single Family Residence                          Primary                           Select Portfolio Servicing, In
        500847845          Single Family Residence                          Primary                           Select Portfolio Servicing, In
        500847855          Single Family Residence                          Primary                           Select Portfolio Servicing, In
        500847938          Single Family Residence                          Primary                           Select Portfolio Servicing, In
        500847978          Single Family Residence                          Investment                        Select Portfolio Servicing, In
        500848053          PUD                                              Primary                           Select Portfolio Servicing, In
        500848253          Condo                                            Secondary                         Select Portfolio Servicing, In
        500848264          Single Family Residence                          Primary                           Select Portfolio Servicing, In
        500848289          Single Family Residence                          Primary                           Select Portfolio Servicing, In
        500811111          Single Family Residence                          Primary                           Select Portfolio Servicing, In
        500848302          2-4 Family                                       Primary                           Select Portfolio Servicing, In
        500848317          Single Family Residence                          Primary                           Select Portfolio Servicing, In
        500848379          2-4 Family                                       Primary                           Select Portfolio Servicing, In
        500848404          Single Family Residence                          Primary                           Select Portfolio Servicing, In
        500848450          PUD                                              Primary                           Select Portfolio Servicing, In
        500848456          PUD                                              Primary                           Select Portfolio Servicing, In
        500848406          Single Family Residence                          Primary                           Select Portfolio Servicing, In
        500848480          2-4 Family                                       Primary                           Select Portfolio Servicing, In
        500848713          Single Family Residence                          Primary                           Select Portfolio Servicing, In
        500848700          Single Family Residence                          Primary                           Select Portfolio Servicing, In
        500838239          Single Family Residence                          Primary                           Select Portfolio Servicing, In
        500848853          Single Family Residence                          Investment                        Select Portfolio Servicing, In
        500848871          Single Family Residence                          Primary                           Select Portfolio Servicing, In
        500848883          PUD                                              Primary                           Select Portfolio Servicing, In
        500848900          Single Family Residence                          Primary                           Select Portfolio Servicing, In
        500848927          Single Family Residence                          Primary                           Select Portfolio Servicing, In
        500849015          Single Family Residence                          Primary                           Select Portfolio Servicing, In
        500845943          Single Family Residence                          Investment                        Select Portfolio Servicing, In
        500849083          PUD                                              Primary                           Select Portfolio Servicing, In
        500849114          Town House                                       Primary                           Select Portfolio Servicing, In
        500849108          Condo                                            Primary                           Select Portfolio Servicing, In
        500847433          Single Family Residence                          Primary                           Select Portfolio Servicing, In
        500849161          2-4 Family                                       Primary                           Select Portfolio Servicing, In
        500849182          Single Family Residence                          Investment                        Select Portfolio Servicing, In
        500849233          Single Family Residence                          Primary                           Select Portfolio Servicing, In
        500849255          Condo                                            Primary                           Select Portfolio Servicing, In
        500807263          Single Family Residence                          Primary                           Select Portfolio Servicing, In
        500742299          Single Family Residence                          Primary                           Select Portfolio Servicing, In
        500849293          Single Family Residence                          Primary                           Select Portfolio Servicing, In
        500849367          Single Family Residence                          Primary                           Select Portfolio Servicing, In
        500821813          Single Family Residence                          Primary                           Select Portfolio Servicing, In
        500805611          Single Family Residence                          Primary                           Select Portfolio Servicing, In
        500834996          Single Family Residence                          Primary                           Select Portfolio Servicing, In
        500849663          Single Family Residence                          Investment                        Select Portfolio Servicing, In
        500849672          2-4 Family                                       Primary                           Select Portfolio Servicing, In
        500849678          PUD                                              Primary                           Select Portfolio Servicing, In
        500849683          Single Family Residence                          Primary                           Select Portfolio Servicing, In
        500849708          Single Family Residence                          Investment                        Select Portfolio Servicing, In
        500849802          Single Family Residence                          Primary                           Select Portfolio Servicing, In
        500849806          Single Family Residence                          Primary                           Select Portfolio Servicing, In
        500849859          Single Family Residence                          Primary                           Select Portfolio Servicing, In
        500849774          Single Family Residence                          Primary                           Select Portfolio Servicing, In
        500849876          Single Family Residence                          Primary                           Select Portfolio Servicing, In
        500849921          Condo                                            Primary                           Select Portfolio Servicing, In
        500850055          Single Family Residence                          Primary                           Select Portfolio Servicing, In
        500850065          PUD                                              Primary                           Select Portfolio Servicing, In
        500850080          Single Family Residence                          Primary                           Select Portfolio Servicing, In
        500828557          Single Family Residence                          Primary                           Select Portfolio Servicing, In
        500850122          Single Family Residence                          Investment                        Select Portfolio Servicing, In
        500818202          Single Family Residence                          Primary                           Select Portfolio Servicing, In
        500850121          Single Family Residence                          Primary                           Select Portfolio Servicing, In
        500813861          Single Family Residence                          Primary                           Select Portfolio Servicing, In
        500850176          Single Family Residence                          Primary                           Select Portfolio Servicing, In
        500850198          Single Family Residence                          Primary                           Select Portfolio Servicing, In
        500850253          Single Family Residence                          Investment                        Select Portfolio Servicing, In
        500850281          Single Family Residence                          Primary                           Select Portfolio Servicing, In
        500850416          Single Family Residence                          Primary                           Select Portfolio Servicing, In
        500850468          Single Family Residence                          Primary                           Select Portfolio Servicing, In
        500850478          Single Family Residence                          Primary                           Select Portfolio Servicing, In
        500850526          Single Family Residence                          Primary                           Select Portfolio Servicing, In
        500850537          Single Family Residence                          Primary                           Select Portfolio Servicing, In
        500850574          2-4 Family                                       Primary                           Select Portfolio Servicing, In
        500850603          Condo                                            Primary                           Select Portfolio Servicing, In
        500850554          Single Family Residence                          Investment                        Select Portfolio Servicing, In
        500796864          Town House                                       Primary                           Select Portfolio Servicing, In
        500850736          Condo                                            Primary                           Select Portfolio Servicing, In
        500850777          Condo                                            Primary                           Select Portfolio Servicing, In
        500850781          PUD                                              Primary                           Select Portfolio Servicing, In
        500850790          PUD                                              Primary                           Select Portfolio Servicing, In
        500850817          Single Family Residence                          Primary                           Select Portfolio Servicing, In
        500850841          Single Family Residence                          Primary                           Select Portfolio Servicing, In
        500850861          Single Family Residence                          Primary                           Select Portfolio Servicing, In
        500850901          PUD                                              Primary                           Select Portfolio Servicing, In
        500850134          PUD                                              Primary                           Select Portfolio Servicing, In
        500851007          2-4 Family                                       Primary                           Select Portfolio Servicing, In
        500851016          Single Family Residence                          Primary                           Select Portfolio Servicing, In
        500851017          Single Family Residence                          Primary                           Select Portfolio Servicing, In
        500851108          2-4 Family                                       Investment                        Select Portfolio Servicing, In
        500851142          Single Family Residence                          Primary                           Select Portfolio Servicing, In
        500851145          2-4 Family                                       Investment                        Select Portfolio Servicing, In
        500851193          PUD                                              Primary                           Select Portfolio Servicing, In
        500820768          PUD                                              Primary                           Select Portfolio Servicing, In
        500837095          Single Family Residence                          Primary                           Select Portfolio Servicing, In
        500851302          Condo                                            Primary                           Select Portfolio Servicing, In
        500802253          2-4 Family                                       Investment                        Select Portfolio Servicing, In
        500851318          PUD                                              Primary                           Select Portfolio Servicing, In
        500851458          PUD                                              Primary                           Select Portfolio Servicing, In
        500851508          Single Family Residence                          Primary                           Select Portfolio Servicing, In
        500851526          Single Family Residence                          Primary                           Select Portfolio Servicing, In
        500851563          Single Family Residence                          Primary                           Select Portfolio Servicing, In
        500851541          PUD                                              Investment                        Select Portfolio Servicing, In
        500851300          Single Family Residence                          Primary                           Select Portfolio Servicing, In
        500851611          Single Family Residence                          Investment                        Select Portfolio Servicing, In
        500851641          Single Family Residence                          Investment                        Select Portfolio Servicing, In
        500851663          Single Family Residence                          Investment                        Select Portfolio Servicing, In
        500851717          Single Family Residence                          Primary                           Select Portfolio Servicing, In
        500851722          PUD                                              Primary                           Select Portfolio Servicing, In
        500851731          PUD                                              Primary                           Select Portfolio Servicing, In
        500851740          Single Family Residence                          Primary                           Select Portfolio Servicing, In
        500851753          Single Family Residence                          Primary                           Select Portfolio Servicing, In
        500851899          2-4 Family                                       Primary                           Select Portfolio Servicing, In
        500851918          PUD                                              Primary                           Select Portfolio Servicing, In
        500837347          2-4 Family                                       Investment                        Select Portfolio Servicing, In
        500814045          Single Family Residence                          Primary                           Select Portfolio Servicing, In
        500851964          Single Family Residence                          Primary                           Select Portfolio Servicing, In
        500852006          Single Family Residence                          Primary                           Select Portfolio Servicing, In
        500852002          Single Family Residence                          Primary                           Select Portfolio Servicing, In
        500852034          Condo                                            Primary                           Select Portfolio Servicing, In
        500852047          Single Family Residence                          Primary                           Select Portfolio Servicing, In
        500852058          Single Family Residence                          Primary                           Select Portfolio Servicing, In
        500852108          PUD                                              Primary                           Select Portfolio Servicing, In
        500852114          Single Family Residence                          Primary                           Select Portfolio Servicing, In
        500852118          Single Family Residence                          Primary                           Select Portfolio Servicing, In
        500852121          Single Family Residence                          Primary                           Select Portfolio Servicing, In
        500852206          Single Family Residence                          Primary                           Select Portfolio Servicing, In
        500852217          Single Family Residence                          Primary                           Select Portfolio Servicing, In
        500852249          Single Family Residence                          Primary                           Select Portfolio Servicing, In
        500852273          Single Family Residence                          Secondary                         Select Portfolio Servicing, In
        500852286          PUD                                              Primary                           Select Portfolio Servicing, In
        500852448          Single Family Residence                          Primary                           Select Portfolio Servicing, In
        500852470          Single Family Residence                          Investment                        Select Portfolio Servicing, In
        500852261          PUD                                              Primary                           Select Portfolio Servicing, In
        500852500          Single Family Residence                          Primary                           Select Portfolio Servicing, In
        500850527          2-4 Family                                       Investment                        Select Portfolio Servicing, In
        500852742          Single Family Residence                          Primary                           Select Portfolio Servicing, In
        500852790          Single Family Residence                          Primary                           Select Portfolio Servicing, In
        500852826          Single Family Residence                          Primary                           Select Portfolio Servicing, In
        500837455          Single Family Residence                          Primary                           Select Portfolio Servicing, In
        500852838          Single Family Residence                          Investment                        Select Portfolio Servicing, In
        500852859          Single Family Residence                          Primary                           Select Portfolio Servicing, In
        500852862          Single Family Residence                          Primary                           Select Portfolio Servicing, In
        500852900          Single Family Residence                          Primary                           Select Portfolio Servicing, In
        500852922          PUD                                              Primary                           Select Portfolio Servicing, In
        500822756          PUD                                              Primary                           Select Portfolio Servicing, In
        500809235          PUD                                              Investment                        Select Portfolio Servicing, In
        500853050          Single Family Residence                          Investment                        Select Portfolio Servicing, In
        500853011          Single Family Residence                          Primary                           Select Portfolio Servicing, In
        500849848          PUD                                              Secondary                         Select Portfolio Servicing, In
        500853102          Single Family Residence                          Primary                           Select Portfolio Servicing, In
        500849241          Single Family Residence                          Primary                           Select Portfolio Servicing, In
        500852496          Single Family Residence                          Primary                           Select Portfolio Servicing, In
        500850722          Single Family Residence                          Primary                           Select Portfolio Servicing, In
        500853173          Single Family Residence                          Primary                           Select Portfolio Servicing, In
        500853179          Single Family Residence                          Primary                           Select Portfolio Servicing, In
        500853215          PUD                                              Investment                        Select Portfolio Servicing, In
        500853241          Single Family Residence                          Investment                        Select Portfolio Servicing, In
        500853265          PUD                                              Primary                           Select Portfolio Servicing, In
        500851984          Single Family Residence                          Primary                           Select Portfolio Servicing, In
        500853385          Condo                                            Secondary                         Select Portfolio Servicing, In
        500853466          PUD                                              Primary                           Select Portfolio Servicing, In
        500853495          Single Family Residence                          Primary                           Select Portfolio Servicing, In
        500853524          Single Family Residence                          Primary                           Select Portfolio Servicing, In
        500853645          Single Family Residence                          Primary                           Select Portfolio Servicing, In
        500848559          PUD                                              Primary                           Select Portfolio Servicing, In
        500853656          Single Family Residence                          Primary                           Select Portfolio Servicing, In
        500848195          Single Family Residence                          Primary                           Select Portfolio Servicing, In
        500853679          Single Family Residence                          Primary                           Select Portfolio Servicing, In
        500852546          Single Family Residence                          Primary                           Select Portfolio Servicing, In
        500851269          Single Family Residence                          Primary                           Select Portfolio Servicing, In
        500834239          Single Family Residence                          Primary                           Select Portfolio Servicing, In
        500853775          Single Family Residence                          Primary                           Select Portfolio Servicing, In
        500853793          2-4 Family                                       Primary                           Select Portfolio Servicing, In
        500854044          Single Family Residence                          Primary                           Select Portfolio Servicing, In
        500826636          PUD                                              Secondary                         Select Portfolio Servicing, In
        500853664          2-4 Family                                       Primary                           Select Portfolio Servicing, In
        500853789          Single Family Residence                          Primary                           Select Portfolio Servicing, In
        500854283          2-4 Family                                       Primary                           Select Portfolio Servicing, In
        500794423          Single Family Residence                          Primary                           Select Portfolio Servicing, In
        500854275          Single Family Residence                          Primary                           Select Portfolio Servicing, In
        500854335          Single Family Residence                          Primary                           Select Portfolio Servicing, In
        500854346          Condo                                            Primary                           Select Portfolio Servicing, In
        500854349          PUD                                              Primary                           Select Portfolio Servicing, In
        500854352          Single Family Residence                          Primary                           Select Portfolio Servicing, In
        500854355          Single Family Residence                          Primary                           Select Portfolio Servicing, In
        500854361          Single Family Residence                          Primary                           Select Portfolio Servicing, In
        500854364          Condo                                            Primary                           Select Portfolio Servicing, In
        500854366          Condo                                            Primary                           Select Portfolio Servicing, In
        500854371          Condo                                            Primary                           Select Portfolio Servicing, In
        500854372          PUD                                              Primary                           Select Portfolio Servicing, In
        500854377          PUD                                              Primary                           Select Portfolio Servicing, In
        500854380          PUD                                              Primary                           Select Portfolio Servicing, In
        500854382          PUD                                              Primary                           Select Portfolio Servicing, In
        500854387          PUD                                              Primary                           Select Portfolio Servicing, In
        500854388          PUD                                              Primary                           Select Portfolio Servicing, In
        500854390          PUD                                              Primary                           Select Portfolio Servicing, In
        500854391          Single Family Residence                          Primary                           Select Portfolio Servicing, In
        500854392          Condo                                            Primary                           Select Portfolio Servicing, In
        500854398          PUD                                              Primary                           Select Portfolio Servicing, In
        500854402          Single Family Residence                          Primary                           Select Portfolio Servicing, In
        500854409          Single Family Residence                          Primary                           Select Portfolio Servicing, In
        500854410          Single Family Residence                          Primary                           Select Portfolio Servicing, In
        500854413          PUD                                              Primary                           Select Portfolio Servicing, In
        500854416          PUD                                              Primary                           Select Portfolio Servicing, In
        500854417          PUD                                              Primary                           Select Portfolio Servicing, In
        500854420          PUD                                              Primary                           Select Portfolio Servicing, In
        500854421          Condo                                            Primary                           Select Portfolio Servicing, In
        500854424          Single Family Residence                          Primary                           Select Portfolio Servicing, In
        500854425          Single Family Residence                          Primary                           Select Portfolio Servicing, In
        500854426          PUD                                              Primary                           Select Portfolio Servicing, In
        500854436          PUD                                              Primary                           Select Portfolio Servicing, In
        500854438          Single Family Residence                          Primary                           Select Portfolio Servicing, In
        500854444          Single Family Residence                          Primary                           Select Portfolio Servicing, In
        500854453          PUD                                              Primary                           Select Portfolio Servicing, In
        500854455          Condo                                            Primary                           Select Portfolio Servicing, In
        500854461          Single Family Residence                          Primary                           Select Portfolio Servicing, In
        500854467          Condo                                            Primary                           Select Portfolio Servicing, In
        500854473          PUD                                              Primary                           Select Portfolio Servicing, In
        500854479          PUD                                              Primary                           Select Portfolio Servicing, In
        500854481          Condo                                            Primary                           Select Portfolio Servicing, In
        500854483          PUD                                              Secondary                         Select Portfolio Servicing, In
        500854488          Single Family Residence                          Primary                           Select Portfolio Servicing, In
        500854491          Condo                                            Primary                           Select Portfolio Servicing, In
        500854492          Single Family Residence                          Primary                           Select Portfolio Servicing, In
        500854495          PUD                                              Primary                           Select Portfolio Servicing, In
        500854496          PUD                                              Primary                           Select Portfolio Servicing, In
        500854505          PUD                                              Primary                           Select Portfolio Servicing, In
        500854509          PUD                                              Primary                           Select Portfolio Servicing, In
        500854515          PUD                                              Primary                           Select Portfolio Servicing, In
        500854517          PUD                                              Primary                           Select Portfolio Servicing, In
        500854527          Single Family Residence                          Primary                           Select Portfolio Servicing, In
        500854535          PUD                                              Primary                           Select Portfolio Servicing, In
        500854542          PUD                                              Primary                           Select Portfolio Servicing, In
        500854543          Single Family Residence                          Primary                           Select Portfolio Servicing, In
        500854545          Condo                                            Primary                           Select Portfolio Servicing, In
        500854709          Single Family Residence                          Primary                           Select Portfolio Servicing, In
        500854881          PUD                                              Primary                           Select Portfolio Servicing, In
        500855254          2-4 Family                                       Primary                           Select Portfolio Servicing, In
        500855276          Single Family Residence                          Primary                           Select Portfolio Servicing, In
        500855320          Condo                                            Primary                           Select Portfolio Servicing, In
        500855336          Single Family Residence                          Primary                           Select Portfolio Servicing, In
        500855351          PUD                                              Primary                           Select Portfolio Servicing, In
        500855366          PUD                                              Primary                           Select Portfolio Servicing, In
        500855406          Single Family Residence                          Primary                           Select Portfolio Servicing, In
        500855414          Single Family Residence                          Primary                           Select Portfolio Servicing, In
        500855461          Single Family Residence                          Primary                           Select Portfolio Servicing, In
        500855458          Single Family Residence                          Primary                           Select Portfolio Servicing, In
        500855467          Single Family Residence                          Primary                           Select Portfolio Servicing, In
        500855502          Condo                                            Primary                           Select Portfolio Servicing, In
        500855301          Single Family Residence                          Primary                           Select Portfolio Servicing, In
        500855545          PUD                                              Primary                           Select Portfolio Servicing, In
        500855571          Single Family Residence                          Primary                           Select Portfolio Servicing, In
        500779955          Single Family Residence                          Primary                           Select Portfolio Servicing, In
        500855659          Single Family Residence                          Primary                           Select Portfolio Servicing, In
        500824622          Single Family Residence                          Primary                           Select Portfolio Servicing, In
        500855719          Single Family Residence                          Investment                        Select Portfolio Servicing, In
        500855775          Single Family Residence                          Primary                           Select Portfolio Servicing, In
        500855785          Single Family Residence                          Primary                           Select Portfolio Servicing, In
        500816403          Single Family Residence                          Primary                           Select Portfolio Servicing, In
        500855944          2-4 Family                                       Primary                           Select Portfolio Servicing, In
        500845469          PUD                                              Primary                           Select Portfolio Servicing, In
        500856003          Single Family Residence                          Primary                           Select Portfolio Servicing, In
        500856033          Single Family Residence                          Primary                           Select Portfolio Servicing, In
        500856034          PUD                                              Primary                           Select Portfolio Servicing, In
        500856052          2-4 Family                                       Primary                           Select Portfolio Servicing, In
        500856089          Single Family Residence                          Primary                           Select Portfolio Servicing, In
        500850115          Condo                                            Secondary                         Select Portfolio Servicing, In
        500856243          Single Family Residence                          Primary                           Select Portfolio Servicing, In
        500856252          Single Family Residence                          Primary                           Select Portfolio Servicing, In
        500856287          Single Family Residence                          Primary                           Select Portfolio Servicing, In
        500856259          Single Family Residence                          Primary                           Select Portfolio Servicing, In
        500807276          2-4 Family                                       Investment                        Select Portfolio Servicing, In
        500855412          Condo                                            Primary                           Select Portfolio Servicing, In
        500856433          Single Family Residence                          Primary                           Select Portfolio Servicing, In
        500784103          2-4 Family                                       Primary                           Select Portfolio Servicing, In
        500856547          Single Family Residence                          Primary                           Select Portfolio Servicing, In
        500856570          Single Family Residence                          Investment                        Select Portfolio Servicing, In
        500809259          PUD                                              Investment                        Select Portfolio Servicing, In
        500856576          Single Family Residence                          Investment                        Select Portfolio Servicing, In
        500856643          Single Family Residence                          Primary                           Select Portfolio Servicing, In
        500856645          Single Family Residence                          Primary                           Select Portfolio Servicing, In
        500856700          PUD                                              Primary                           Select Portfolio Servicing, In
        500856896          Single Family Residence                          Investment                        Select Portfolio Servicing, In
        500856936          Single Family Residence                          Primary                           Select Portfolio Servicing, In
        500856985          Single Family Residence                          Primary                           Select Portfolio Servicing, In
        500856988          PUD                                              Primary                           Select Portfolio Servicing, In
        500856990          Single Family Residence                          Primary                           Select Portfolio Servicing, In
        500857028          Single Family Residence                          Primary                           Select Portfolio Servicing, In
        500856786          Single Family Residence                          Primary                           Select Portfolio Servicing, In
        500857067          Single Family Residence                          Primary                           Select Portfolio Servicing, In
        500835246          PUD                                              Primary                           Select Portfolio Servicing, In
        500857027          PUD                                              Primary                           Select Portfolio Servicing, In
        500857088          PUD                                              Primary                           Select Portfolio Servicing, In
        500857094          Single Family Residence                          Primary                           Select Portfolio Servicing, In
        500857106          PUD                                              Primary                           Select Portfolio Servicing, In
        500857129          PUD                                              Primary                           Select Portfolio Servicing, In
        500857165          Single Family Residence                          Investment                        Select Portfolio Servicing, In
        500857205          PUD                                              Primary                           Select Portfolio Servicing, In
        500856853          2-4 Family                                       Primary                           Select Portfolio Servicing, In
        500854317          PUD                                              Primary                           Select Portfolio Servicing, In
        500857279          2-4 Family                                       Investment                        Select Portfolio Servicing, In
        500857469          Single Family Residence                          Primary                           Select Portfolio Servicing, In
        500857487          PUD                                              Primary                           Select Portfolio Servicing, In
        500857490          Single Family Residence                          Primary                           Select Portfolio Servicing, In
        500857542          Single Family Residence                          Primary                           Select Portfolio Servicing, In
        500857599          Single Family Residence                          Investment                        Select Portfolio Servicing, In
        500857603          Single Family Residence                          Primary                           Select Portfolio Servicing, In
        500857604          Single Family Residence                          Primary                           Select Portfolio Servicing, In
        500857670          PUD                                              Primary                           Select Portfolio Servicing, In
        500816413          PUD                                              Primary                           Select Portfolio Servicing, In
        500816431          Single Family Residence                          Primary                           Select Portfolio Servicing, In
        500857727          2-4 Family                                       Investment                        Select Portfolio Servicing, In
        500818035          Single Family Residence                          Primary                           Select Portfolio Servicing, In
        500826595          Single Family Residence                          Investment                        Select Portfolio Servicing, In
        500858123          Single Family Residence                          Primary                           Select Portfolio Servicing, In
        500858141          Single Family Residence                          Primary                           Select Portfolio Servicing, In
        500818438          Single Family Residence                          Investment                        Select Portfolio Servicing, In
        500816442          PUD                                              Primary                           Select Portfolio Servicing, In
        500858213          Single Family Residence                          Primary                           Select Portfolio Servicing, In
        500858355          2-4 Family                                       Primary                           Select Portfolio Servicing, In
        500853602          Single Family Residence                          Primary                           Select Portfolio Servicing, In
        500858387          2-4 Family                                       Primary                           Select Portfolio Servicing, In
        500858397          2-4 Family                                       Primary                           Select Portfolio Servicing, In
        500858434          2-4 Family                                       Investment                        Select Portfolio Servicing, In
        500851990          Condo                                            Primary                           Select Portfolio Servicing, In
        500858664          Town House                                       Primary                           Select Portfolio Servicing, In
        500807550          Single Family Residence                          Primary                           Select Portfolio Servicing, In
        500858690          Single Family Residence                          Primary                           Select Portfolio Servicing, In
        500858681          Single Family Residence                          Primary                           Select Portfolio Servicing, In
        500849553          2-4 Family                                       Primary                           Select Portfolio Servicing, In
        500858943          Single Family Residence                          Investment                        Select Portfolio Servicing, In
        500852021          PUD                                              Primary                           Select Portfolio Servicing, In
        500859139          PUD                                              Primary                           Select Portfolio Servicing, In
        500859329          Single Family Residence                          Primary                           Select Portfolio Servicing, In
        500859336          Single Family Residence                          Primary                           Select Portfolio Servicing, In
        500821411          Single Family Residence                          Primary                           Select Portfolio Servicing, In
        500859483          2-4 Family                                       Investment                        Select Portfolio Servicing, In
        500859519          PUD                                              Primary                           Select Portfolio Servicing, In
        500859497          Single Family Residence                          Primary                           Select Portfolio Servicing, In
        500859563          PUD                                              Primary                           Select Portfolio Servicing, In
        500859603          Single Family Residence                          Primary                           Select Portfolio Servicing, In
        500859628          PUD                                              Investment                        Select Portfolio Servicing, In
        500859849          Single Family Residence                          Primary                           Select Portfolio Servicing, In
        500859933          Single Family Residence                          Investment                        Select Portfolio Servicing, In
        500859938          Single Family Residence                          Investment                        Select Portfolio Servicing, In
        500812053          Single Family Residence                          Primary                           Select Portfolio Servicing, In
        500859971          Single Family Residence                          Primary                           Select Portfolio Servicing, In
        500860014          PUD                                              Primary                           Select Portfolio Servicing, In
        500860177          Single Family Residence                          Primary                           Select Portfolio Servicing, In
        500860242          PUD                                              Primary                           Select Portfolio Servicing, In
        500860291          Single Family Residence                          Primary                           Select Portfolio Servicing, In
        500860295          Single Family Residence                          Primary                           Select Portfolio Servicing, In
        500860342          Single Family Residence                          Primary                           Select Portfolio Servicing, In
        500860430          PUD                                              Primary                           Select Portfolio Servicing, In
        500860505          PUD                                              Primary                           Select Portfolio Servicing, In
        500812274          Single Family Residence                          Investment                        Select Portfolio Servicing, In
        500828560          Single Family Residence                          Primary                           Select Portfolio Servicing, In
        500860581          PUD                                              Investment                        Select Portfolio Servicing, In
        500860658          Single Family Residence                          Primary                           Select Portfolio Servicing, In
        500860875          Condo                                            Primary                           Select Portfolio Servicing, In
        500855194          Single Family Residence                          Primary                           Select Portfolio Servicing, In
        500860894          Single Family Residence                          Primary                           Select Portfolio Servicing, In
        500860937          PUD                                              Primary                           Select Portfolio Servicing, In
        500861059          Single Family Residence                          Primary                           Select Portfolio Servicing, In
        500861062          PUD                                              Primary                           Select Portfolio Servicing, In
        500861285          Single Family Residence                          Primary                           Select Portfolio Servicing, In
        500809471          Single Family Residence                          Primary                           Select Portfolio Servicing, In
        500837121          Single Family Residence                          Primary                           Select Portfolio Servicing, In
        500861504          Single Family Residence                          Primary                           Select Portfolio Servicing, In
        500861778          Single Family Residence                          Primary                           Select Portfolio Servicing, In
        500861835          Single Family Residence                          Primary                           Select Portfolio Servicing, In
        500860613          PUD                                              Primary                           Select Portfolio Servicing, In
        500861968          PUD                                              Primary                           Select Portfolio Servicing, In
        500861972          PUD                                              Primary                           Select Portfolio Servicing, In
        500861979          PUD                                              Primary                           Select Portfolio Servicing, In
        500861982          PUD                                              Primary                           Select Portfolio Servicing, In
        500836560          Single Family Residence                          Investment                        Select Portfolio Servicing, In
        500862374          Single Family Residence                          Primary                           Select Portfolio Servicing, In
        500862608          Single Family Residence                          Primary                           Select Portfolio Servicing, In
        500862636          2-4 Family                                       Primary                           Select Portfolio Servicing, In
        500862646          Condo                                            Primary                           Select Portfolio Servicing, In
        500824212          2-4 Family                                       Primary                           Select Portfolio Servicing, In
        500825028          PUD                                              Primary                           Select Portfolio Servicing, In
        500860960          Single Family Residence                          Primary                           Select Portfolio Servicing, In
        500858115          Single Family Residence                          Primary                           Select Portfolio Servicing, In
        500862963          PUD                                              Primary                           Select Portfolio Servicing, In
        500821783          Single Family Residence                          Primary                           Select Portfolio Servicing, In
        500857070          Single Family Residence                          Primary                           Select Portfolio Servicing, In
        500863545          Single Family Residence                          Primary                           Select Portfolio Servicing, In
        500863733          Condo                                            Primary                           Select Portfolio Servicing, In
        500863739          PUD                                              Primary                           Select Portfolio Servicing, In
        500863747          Single Family Residence                          Primary                           Select Portfolio Servicing, In
        500863882          Single Family Residence                          Primary                           Select Portfolio Servicing, In
        500826311          Condo                                            Primary                           Select Portfolio Servicing, In
        500863990          Single Family Residence                          Primary                           Select Portfolio Servicing, In
        500864164          Condo                                            Investment                        Select Portfolio Servicing, In
        500864255          Condo                                            Primary                           Select Portfolio Servicing, In
        500864248          PUD                                              Investment                        Select Portfolio Servicing, In
        500864317          PUD                                              Investment                        Select Portfolio Servicing, In
        500864360          Single Family Residence                          Primary                           Select Portfolio Servicing, In
        500864368          PUD                                              Investment                        Select Portfolio Servicing, In
        500849677          Single Family Residence                          Primary                           Select Portfolio Servicing, In
        500864534          Single Family Residence                          Primary                           Select Portfolio Servicing, In
        500802251          PUD                                              Primary                           Select Portfolio Servicing, In
        500848720          Single Family Residence                          Primary                           Select Portfolio Servicing, In
        500864816          Single Family Residence                          Primary                           Select Portfolio Servicing, In
        500862156          Single Family Residence                          Primary                           Select Portfolio Servicing, In
        500864969          PUD                                              Primary                           Select Portfolio Servicing, In
        500864975          PUD                                              Primary                           Select Portfolio Servicing, In
        500864981          Single Family Residence                          Primary                           Select Portfolio Servicing, In
        500864982          Single Family Residence                          Primary                           Select Portfolio Servicing, In
        500864989          Single Family Residence                          Primary                           Select Portfolio Servicing, In
        500865004          PUD                                              Primary                           Select Portfolio Servicing, In
        500865009          PUD                                              Primary                           Select Portfolio Servicing, In
        500865010          Condo                                            Secondary                         Select Portfolio Servicing, In
        500865014          PUD                                              Primary                           Select Portfolio Servicing, In
        500865015          PUD                                              Primary                           Select Portfolio Servicing, In
        500865018          PUD                                              Secondary                         Select Portfolio Servicing, In
        500865019          PUD                                              Primary                           Select Portfolio Servicing, In
        500865020          PUD                                              Primary                           Select Portfolio Servicing, In
        500865032          PUD                                              Primary                           Select Portfolio Servicing, In
        500856596          Single Family Residence                          Primary                           Select Portfolio Servicing, In
        500865252          Single Family Residence                          Primary                           Select Portfolio Servicing, In
        500865313          Single Family Residence                          Primary                           Select Portfolio Servicing, In
        500865485          PUD                                              Primary                           Select Portfolio Servicing, In
        500865488          PUD                                              Primary                           Select Portfolio Servicing, In
        500855034          Single Family Residence                          Primary                           Select Portfolio Servicing, In
        500827819          Condo                                            Primary                           Select Portfolio Servicing, In
        500868043          Condo                                            Primary                           Select Portfolio Servicing, In
        500868299          2-4 Family                                       Primary                           Select Portfolio Servicing, In
        500825675          Single Family Residence                          Investment                        Select Portfolio Servicing, In
        500842354          Single Family Residence                          Primary                           Select Portfolio Servicing, In
        500848874          Single Family Residence                          Primary                           Select Portfolio Servicing, In
        500831463          2-4 Family                                       Investment                        Select Portfolio Servicing, In
        500816281          Single Family Residence                          Investment                        Select Portfolio Servicing, In
        500871361          Single Family Residence                          Primary                           Select Portfolio Servicing, In
        407338556          Single Family Residence                          Investment                        Select Portfolio Servicing, In
        408417698          Condo                                            Primary                           Select Portfolio Servicing, In
        408417699          Single Family Residence                          Primary                           Select Portfolio Servicing, In
        408417700          Single Family Residence                          Primary                           Select Portfolio Servicing, In
        408417701          Single Family Residence                          Primary                           Select Portfolio Servicing, In
        408417704          Single Family Residence                          Primary                           Select Portfolio Servicing, In
        408417705          PUD                                              Primary                           Select Portfolio Servicing, In
        408417706          PUD                                              Primary                           Select Portfolio Servicing, In
        408417711          Single Family Residence                          Primary                           Select Portfolio Servicing, In
        408417713          Single Family Residence                          Primary                           Select Portfolio Servicing, In
        408417714          Single Family Residence                          Primary                           Select Portfolio Servicing, In
        408417724          Single Family Residence                          Primary                           Select Portfolio Servicing, In
        408417725          Condo                                            Primary                           Select Portfolio Servicing, In
        408417728          Single Family Residence                          Primary                           Select Portfolio Servicing, In
        408417731          Single Family Residence                          Primary                           Select Portfolio Servicing, In
        408417732          Town House                                       Investment                        Select Portfolio Servicing, In
        408417735          PUD                                              Investment                        Select Portfolio Servicing, In
        408417736          Single Family Residence                          Primary                           Select Portfolio Servicing, In
        408417737          PUD                                              Primary                           Select Portfolio Servicing, In
        408417738          Condo                                            Primary                           Select Portfolio Servicing, In
        408417743          Single Family Residence                          Investment                        Select Portfolio Servicing, In
        408417746          Condo                                            Primary                           Select Portfolio Servicing, In
        408417748          Single Family Residence                          Primary                           Select Portfolio Servicing, In
        408417751          Single Family Residence                          Primary                           Select Portfolio Servicing, In
        408417753          Single Family Residence                          Primary                           Select Portfolio Servicing, In
        408417757          Single Family Residence                          Primary                           Select Portfolio Servicing, In
        408417758          Single Family Residence                          Investment                        Select Portfolio Servicing, In
        408417759          PUD                                              Primary                           Select Portfolio Servicing, In
        408417760          Single Family Residence                          Primary                           Select Portfolio Servicing, In
        408417761          Condo                                            Primary                           Select Portfolio Servicing, In
        408417765          Condo                                            Primary                           Select Portfolio Servicing, In
        408417766          Single Family Residence                          Primary                           Select Portfolio Servicing, In
        408417767          PUD                                              Primary                           Select Portfolio Servicing, In
        408417768          Single Family Residence                          Primary                           Select Portfolio Servicing, In
        408417770          PUD                                              Primary                           Select Portfolio Servicing, In
        408417773          Single Family Residence                          Investment                        Select Portfolio Servicing, In
        408417779          Single Family Residence                          Primary                           Select Portfolio Servicing, In
        408417782          Single Family Residence                          Primary                           Select Portfolio Servicing, In
        408417785          PUD                                              Investment                        Select Portfolio Servicing, In
        408417789          Single Family Residence                          Primary                           Select Portfolio Servicing, In
        408417797          Single Family Residence                          Primary                           Select Portfolio Servicing, In
        408417801          PUD                                              Primary                           Select Portfolio Servicing, In
        408417805          Single Family Residence                          Primary                           Select Portfolio Servicing, In
        408417809          Condo                                            Primary                           Select Portfolio Servicing, In
        408417810          PUD                                              Secondary                         Select Portfolio Servicing, In
        408417811          Single Family Residence                          Primary                           Select Portfolio Servicing, In
        408417814          Single Family Residence                          Primary                           Select Portfolio Servicing, In
        408417815          Single Family Residence                          Primary                           Select Portfolio Servicing, In
        408417816          Condo                                            Primary                           Select Portfolio Servicing, In
        408417819          PUD                                              Primary                           Select Portfolio Servicing, In
        408417822          Single Family Residence                          Primary                           Select Portfolio Servicing, In
        408417824          Single Family Residence                          Primary                           Select Portfolio Servicing, In
        408417825          PUD                                              Primary                           Select Portfolio Servicing, In
        408417828          Single Family Residence                          Primary                           Select Portfolio Servicing, In
        408417830          Condo                                            Primary                           Select Portfolio Servicing, In
        408417833          Condo                                            Primary                           Select Portfolio Servicing, In
        408417834          Single Family Residence                          Primary                           Select Portfolio Servicing, In
        408417835          Single Family Residence                          Primary                           Select Portfolio Servicing, In
        408417836          Condo                                            Secondary                         Select Portfolio Servicing, In
        408417845          Condo                                            Primary                           Select Portfolio Servicing, In
        408417848          Single Family Residence                          Primary                           Select Portfolio Servicing, In
        408417849          Single Family Residence                          Primary                           Select Portfolio Servicing, In
        408417850          PUD                                              Primary                           Select Portfolio Servicing, In
        408417852          Single Family Residence                          Primary                           Select Portfolio Servicing, In
        408417855          Single Family Residence                          Investment                        Select Portfolio Servicing, In
        408417856          PUD                                              Primary                           Select Portfolio Servicing, In
        408417858          Single Family Residence                          Primary                           Select Portfolio Servicing, In
        408417865          PUD                                              Primary                           Select Portfolio Servicing, In
        408417866          Single Family Residence                          Primary                           Select Portfolio Servicing, In
        408417869          Single Family Residence                          Primary                           Select Portfolio Servicing, In
        408417870          Single Family Residence                          Primary                           Select Portfolio Servicing, In
        408417872          Single Family Residence                          Primary                           Select Portfolio Servicing, In
        408417873          PUD                                              Primary                           Select Portfolio Servicing, In
        408417874          Single Family Residence                          Primary                           Select Portfolio Servicing, In
        408417875          PUD                                              Primary                           Select Portfolio Servicing, In
        408417879          Single Family Residence                          Investment                        Select Portfolio Servicing, In
        408417880          Single Family Residence                          Primary                           Select Portfolio Servicing, In
        408417882          Single Family Residence                          Primary                           Select Portfolio Servicing, In
        408417886          Single Family Residence                          Primary                           Select Portfolio Servicing, In
        408417890          Single Family Residence                          Primary                           Select Portfolio Servicing, In
        408417893          Single Family Residence                          Primary                           Select Portfolio Servicing, In
        408417894          PUD                                              Primary                           Select Portfolio Servicing, In
        408417895          Single Family Residence                          Investment                        Select Portfolio Servicing, In
        408417899          2-4 Family                                       Investment                        Select Portfolio Servicing, In
        408417900          Single Family Residence                          Primary                           Select Portfolio Servicing, In
        408417901          Single Family Residence                          Primary                           Select Portfolio Servicing, In
        408417905          Condo                                            Primary                           Select Portfolio Servicing, In
        408417909          PUD                                              Primary                           Select Portfolio Servicing, In
        408417910          Single Family Residence                          Primary                           Select Portfolio Servicing, In
        408417911          Single Family Residence                          Primary                           Select Portfolio Servicing, In
        408417912          Single Family Residence                          Primary                           Select Portfolio Servicing, In
        408417916          Single Family Residence                          Primary                           Select Portfolio Servicing, In
        408417917          Single Family Residence                          Primary                           Select Portfolio Servicing, In
        408417918          Single Family Residence                          Primary                           Select Portfolio Servicing, In
        408417921          PUD                                              Primary                           Select Portfolio Servicing, In
        408417922          PUD                                              Primary                           Select Portfolio Servicing, In
        408417925          Single Family Residence                          Primary                           Select Portfolio Servicing, In
        408417929          Single Family Residence                          Primary                           Select Portfolio Servicing, In
        408417933          Single Family Residence                          Primary                           Select Portfolio Servicing, In
        408417938          Single Family Residence                          Primary                           Select Portfolio Servicing, In
        408417940          PUD                                              Primary                           Select Portfolio Servicing, In
        408417941          Condo                                            Primary                           Select Portfolio Servicing, In
        408417947          Single Family Residence                          Primary                           Select Portfolio Servicing, In
        408417953          Single Family Residence                          Primary                           Select Portfolio Servicing, In
        408417955          Single Family Residence                          Primary                           Select Portfolio Servicing, In
        408417959          Single Family Residence                          Primary                           Select Portfolio Servicing, In
        408417962          Single Family Residence                          Primary                           Select Portfolio Servicing, In
        408417963          Single Family Residence                          Primary                           Select Portfolio Servicing, In
        408417973          Single Family Residence                          Primary                           Select Portfolio Servicing, In
        408417974          Single Family Residence                          Primary                           Select Portfolio Servicing, In
        408417977          Single Family Residence                          Primary                           Select Portfolio Servicing, In
        408417979          PUD                                              Primary                           Select Portfolio Servicing, In
        408417980          Single Family Residence                          Primary                           Select Portfolio Servicing, In
        408417982          Single Family Residence                          Primary                           Select Portfolio Servicing, In
        408417986          PUD                                              Primary                           Select Portfolio Servicing, In
        408417987          Single Family Residence                          Primary                           Select Portfolio Servicing, In
        408417990          PUD                                              Primary                           Select Portfolio Servicing, In
        408417998          Condo                                            Primary                           Select Portfolio Servicing, In
        408418006          Single Family Residence                          Primary                           Select Portfolio Servicing, In
        408418011          Single Family Residence                          Primary                           Select Portfolio Servicing, In
        408418014          Single Family Residence                          Primary                           Select Portfolio Servicing, In
        408418016          Single Family Residence                          Primary                           Select Portfolio Servicing, In
        408418017          Single Family Residence                          Primary                           Select Portfolio Servicing, In
        408418024          Single Family Residence                          Investment                        Select Portfolio Servicing, In
        408418025          Single Family Residence                          Primary                           Select Portfolio Servicing, In
        408418026          Single Family Residence                          Primary                           Select Portfolio Servicing, In
        408418027          Single Family Residence                          Investment                        Select Portfolio Servicing, In
        408418028          Single Family Residence                          Primary                           Select Portfolio Servicing, In
        408418030          Single Family Residence                          Primary                           Select Portfolio Servicing, In
        408418033          Single Family Residence                          Primary                           Select Portfolio Servicing, In
        408418039          Condo                                            Primary                           Select Portfolio Servicing, In
        408418041          Single Family Residence                          Primary                           Select Portfolio Servicing, In
        408418044          Single Family Residence                          Primary                           Select Portfolio Servicing, In
        408418045          Single Family Residence                          Primary                           Select Portfolio Servicing, In
        408418046          Single Family Residence                          Primary                           Select Portfolio Servicing, In
        408418050          Single Family Residence                          Primary                           Select Portfolio Servicing, In
        408418051          Single Family Residence                          Primary                           Select Portfolio Servicing, In
        408418053          PUD                                              Primary                           Select Portfolio Servicing, In
        408418056          Condo                                            Primary                           Select Portfolio Servicing, In
        408418060          PUD                                              Primary                           Select Portfolio Servicing, In
        408418066          PUD                                              Primary                           Select Portfolio Servicing, In
        408418067          Single Family Residence                          Primary                           Select Portfolio Servicing, In
        408418068          Single Family Residence                          Primary                           Select Portfolio Servicing, In
        408418071          Single Family Residence                          Primary                           Select Portfolio Servicing, In
        408418073          Single Family Residence                          Primary                           Select Portfolio Servicing, In
        408418077          Single Family Residence                          Primary                           Select Portfolio Servicing, In
        408436615          Single Family Residence                          Primary                           Select Portfolio Servicing, In
        408436616          2-4 Family                                       Primary                           Select Portfolio Servicing, In
        408436618          2-4 Family                                       Primary                           Select Portfolio Servicing, In
        408436619          Single Family Residence                          Primary                           Select Portfolio Servicing, In
        408436625          PUD                                              Investment                        Select Portfolio Servicing, In
        408436627          PUD                                              Secondary                         Select Portfolio Servicing, In
        408436631          Single Family Residence                          Primary                           Select Portfolio Servicing, In
        408436633          Single Family Residence                          Investment                        Select Portfolio Servicing, In
        408436634          Single Family Residence                          Primary                           Select Portfolio Servicing, In
        408436635          Single Family Residence                          Primary                           Select Portfolio Servicing, In
        408436637          2-4 Family                                       Primary                           Select Portfolio Servicing, In
        408436640          2-4 Family                                       Primary                           Select Portfolio Servicing, In
        408436647          Condo                                            Primary                           Select Portfolio Servicing, In
        408436650          Single Family Residence                          Primary                           Select Portfolio Servicing, In
        408436652          Single Family Residence                          Investment                        Select Portfolio Servicing, In
        408436654          Condo                                            Primary                           Select Portfolio Servicing, In
        408436655          Single Family Residence                          Primary                           Select Portfolio Servicing, In
        408436658          Single Family Residence                          Primary                           Select Portfolio Servicing, In
        408436659          2-4 Family                                       Investment                        Select Portfolio Servicing, In
        408436660          2-4 Family                                       Investment                        Select Portfolio Servicing, In
        408436661          2-4 Family                                       Investment                        Select Portfolio Servicing, In
        408436671          Single Family Residence                          Primary                           Select Portfolio Servicing, In
        408436679          Single Family Residence                          Primary                           Select Portfolio Servicing, In
        408436681          Single Family Residence                          Primary                           Select Portfolio Servicing, In
        408436682          2-4 Family                                       Primary                           Select Portfolio Servicing, In
        408436683          2-4 Family                                       Primary                           Select Portfolio Servicing, In
        408436688          Single Family Residence                          Primary                           Select Portfolio Servicing, In
        408436690          PUD                                              Primary                           Select Portfolio Servicing, In
        408436693          PUD                                              Primary                           Select Portfolio Servicing, In
        408436697          Single Family Residence                          Primary                           Select Portfolio Servicing, In
        408436700          Single Family Residence                          Primary                           Select Portfolio Servicing, In
        408436701          Single Family Residence                          Primary                           Select Portfolio Servicing, In
        408436702          Single Family Residence                          Primary                           Select Portfolio Servicing, In
        408436703          Single Family Residence                          Primary                           Select Portfolio Servicing, In
        408436704          Single Family Residence                          Primary                           Select Portfolio Servicing, In
        408436705          Single Family Residence                          Primary                           Select Portfolio Servicing, In
        408436706          Condo                                            Primary                           Select Portfolio Servicing, In
        408436707          Condo                                            Investment                        Select Portfolio Servicing, In
        408436709          Single Family Residence                          Primary                           Select Portfolio Servicing, In
        408436713          Single Family Residence                          Primary                           Select Portfolio Servicing, In
        408436716          Single Family Residence                          Primary                           Select Portfolio Servicing, In
        408436720          Single Family Residence                          Primary                           Select Portfolio Servicing, In
        408436721          2-4 Family                                       Primary                           Select Portfolio Servicing, In
        408436722          Single Family Residence                          Primary                           Select Portfolio Servicing, In
        408436723          Condo                                            Primary                           Select Portfolio Servicing, In
        408436725          Condo                                            Primary                           Select Portfolio Servicing, In
        408436726          Single Family Residence                          Primary                           Select Portfolio Servicing, In
        408436731          Condo                                            Primary                           Select Portfolio Servicing, In
        408436732          Single Family Residence                          Primary                           Select Portfolio Servicing, In
        408436738          Single Family Residence                          Primary                           Select Portfolio Servicing, In
        408436739          Condo                                            Primary                           Select Portfolio Servicing, In
        408436740          Single Family Residence                          Primary                           Select Portfolio Servicing, In
        408436744          PUD                                              Primary                           Select Portfolio Servicing, In
        408436745          Single Family Residence                          Primary                           Select Portfolio Servicing, In
        408436750          Condo                                            Primary                           Select Portfolio Servicing, In
        408436751          Condo                                            Primary                           Select Portfolio Servicing, In
        408436754          Single Family Residence                          Primary                           Select Portfolio Servicing, In
        408436764          Single Family Residence                          Primary                           Select Portfolio Servicing, In
        408436765          2-4 Family                                       Primary                           Select Portfolio Servicing, In
        408436769          Condo                                            Primary                           Select Portfolio Servicing, In
        408436771          Single Family Residence                          Primary                           Select Portfolio Servicing, In
        408436772          Single Family Residence                          Primary                           Select Portfolio Servicing, In
        408436788          Single Family Residence                          Primary                           Select Portfolio Servicing, In
        408436789          Single Family Residence                          Primary                           Select Portfolio Servicing, In
        408436794          Single Family Residence                          Primary                           Select Portfolio Servicing, In
        408436796          Single Family Residence                          Primary                           Select Portfolio Servicing, In
        408436797          2-4 Family                                       Primary                           Select Portfolio Servicing, In
        408436799          PUD                                              Primary                           Select Portfolio Servicing, In
        408436801          Single Family Residence                          Primary                           Select Portfolio Servicing, In
        408436802          Single Family Residence                          Primary                           Select Portfolio Servicing, In
        408436806          2-4 Family                                       Investment                        Select Portfolio Servicing, In
        408436809          Condo                                            Primary                           Select Portfolio Servicing, In
        408436810          Single Family Residence                          Primary                           Select Portfolio Servicing, In
        408436818          Single Family Residence                          Primary                           Select Portfolio Servicing, In
        408436820          Single Family Residence                          Primary                           Select Portfolio Servicing, In
        408436822          Single Family Residence                          Primary                           Select Portfolio Servicing, In
        408436829          2-4 Family                                       Investment                        Select Portfolio Servicing, In
        408436837          2-4 Family                                       Primary                           Select Portfolio Servicing, In
        408436838          Single Family Residence                          Primary                           Select Portfolio Servicing, In
        408436839          2-4 Family                                       Primary                           Select Portfolio Servicing, In
        408436843          PUD                                              Primary                           Select Portfolio Servicing, In
        408436846          Single Family Residence                          Primary                           Select Portfolio Servicing, In
        408436849          PUD                                              Primary                           Select Portfolio Servicing, In
        408436851          Single Family Residence                          Primary                           Select Portfolio Servicing, In
        408436852          Single Family Residence                          Primary                           Select Portfolio Servicing, In
        408436857          Single Family Residence                          Primary                           Select Portfolio Servicing, In
        408436858          2-4 Family                                       Primary                           Select Portfolio Servicing, In
        408436862          Single Family Residence                          Primary                           Select Portfolio Servicing, In
        408436863          2-4 Family                                       Primary                           Select Portfolio Servicing, In
        408436867          Single Family Residence                          Primary                           Select Portfolio Servicing, In
        408436868          Single Family Residence                          Investment                        Select Portfolio Servicing, In
        408436869          Single Family Residence                          Primary                           Select Portfolio Servicing, In
        408436872          PUD                                              Primary                           Select Portfolio Servicing, In
        408436873          Single Family Residence                          Primary                           Select Portfolio Servicing, In
        408436874          Single Family Residence                          Primary                           Select Portfolio Servicing, In
        408436878          Condo                                            Primary                           Select Portfolio Servicing, In
        408436880          PUD                                              Primary                           Select Portfolio Servicing, In
        408436882          2-4 Family                                       Primary                           Select Portfolio Servicing, In
        408436889          Single Family Residence                          Primary                           Select Portfolio Servicing, In
        408436900          Condo                                            Primary                           Select Portfolio Servicing, In
        408436901          PUD                                              Primary                           Select Portfolio Servicing, In
        408436910          2-4 Family                                       Primary                           Select Portfolio Servicing, In
        408436914          Single Family Residence                          Primary                           Select Portfolio Servicing, In
        408436920          PUD                                              Investment                        Select Portfolio Servicing, In
        408436923          PUD                                              Primary                           Select Portfolio Servicing, In
        408436924          Single Family Residence                          Primary                           Select Portfolio Servicing, In
        408436929          Single Family Residence                          Primary                           Select Portfolio Servicing, In
        408436930          Single Family Residence                          Primary                           Select Portfolio Servicing, In
        408436933          Single Family Residence                          Primary                           Select Portfolio Servicing, In
        408436934          Single Family Residence                          Primary                           Select Portfolio Servicing, In
        408436940          Single Family Residence                          Primary                           Select Portfolio Servicing, In
        408436948          Single Family Residence                          Primary                           Select Portfolio Servicing, In
        408436950          Single Family Residence                          Primary                           Select Portfolio Servicing, In
        408436951          Condo                                            Primary                           Select Portfolio Servicing, In
        408436954          Single Family Residence                          Primary                           Select Portfolio Servicing, In
        408436957          Single Family Residence                          Primary                           Select Portfolio Servicing, In
        408436958          Single Family Residence                          Primary                           Select Portfolio Servicing, In
        408436960          2-4 Family                                       Primary                           Select Portfolio Servicing, In
        408436967          Single Family Residence                          Primary                           Select Portfolio Servicing, In
        408436968          Single Family Residence                          Primary                           Select Portfolio Servicing, In
        408436971          Condo                                            Primary                           Select Portfolio Servicing, In
        408436974          Single Family Residence                          Primary                           Select Portfolio Servicing, In
        408436975          Single Family Residence                          Primary                           Select Portfolio Servicing, In
        408436976          PUD                                              Primary                           Select Portfolio Servicing, In
        408436978          PUD                                              Primary                           Select Portfolio Servicing, In
        408436981          Single Family Residence                          Primary                           Select Portfolio Servicing, In
        408436983          Single Family Residence                          Primary                           Select Portfolio Servicing, In
        408436984          Single Family Residence                          Primary                           Select Portfolio Servicing, In
        408436988          Single Family Residence                          Primary                           Select Portfolio Servicing, In
        408436990          Single Family Residence                          Primary                           Select Portfolio Servicing, In
        408436991          2-4 Family                                       Primary                           Select Portfolio Servicing, In
        408436993          2-4 Family                                       Primary                           Select Portfolio Servicing, In
        408436997          Single Family Residence                          Primary                           Select Portfolio Servicing, In
        408436999          Single Family Residence                          Primary                           Select Portfolio Servicing, In
        408437002          Single Family Residence                          Primary                           Select Portfolio Servicing, In
        408437003          Condo                                            Primary                           Select Portfolio Servicing, In
        408437004          Single Family Residence                          Primary                           Select Portfolio Servicing, In
        408437005          Condo                                            Primary                           Select Portfolio Servicing, In
        408437008          2-4 Family                                       Primary                           Select Portfolio Servicing, In
        408437014          Single Family Residence                          Primary                           Select Portfolio Servicing, In
        408437015          Condo                                            Primary                           Select Portfolio Servicing, In
        408437016          Single Family Residence                          Primary                           Select Portfolio Servicing, In
        408437017          Single Family Residence                          Primary                           Select Portfolio Servicing, In
        408437019          PUD                                              Primary                           Select Portfolio Servicing, In
        408437020          Single Family Residence                          Primary                           Select Portfolio Servicing, In
        408437022          Single Family Residence                          Primary                           Select Portfolio Servicing, In
        408437023          Single Family Residence                          Primary                           Select Portfolio Servicing, In
        408437025          2-4 Family                                       Secondary                         Select Portfolio Servicing, In
        408437032          PUD                                              Primary                           Select Portfolio Servicing, In
        408437034          2-4 Family                                       Primary                           Select Portfolio Servicing, In
        408437035          PUD                                              Primary                           Select Portfolio Servicing, In
        408437038          PUD                                              Investment                        Select Portfolio Servicing, In
        408437043          Condo                                            Primary                           Select Portfolio Servicing, In
        408437044          Single Family Residence                          Primary                           Select Portfolio Servicing, In
        408437045          Single Family Residence                          Primary                           Select Portfolio Servicing, In
        408437046          Single Family Residence                          Primary                           Select Portfolio Servicing, In
        408437047          Single Family Residence                          Primary                           Select Portfolio Servicing, In
        408437048          Single Family Residence                          Primary                           Select Portfolio Servicing, In
        408437051          Single Family Residence                          Primary                           Select Portfolio Servicing, In
        408437054          Single Family Residence                          Primary                           Select Portfolio Servicing, In
        408437055          2-4 Family                                       Primary                           Select Portfolio Servicing, In
        408437056          Single Family Residence                          Primary                           Select Portfolio Servicing, In
        408437062          Condo                                            Primary                           Select Portfolio Servicing, In
        408437064          PUD                                              Primary                           Select Portfolio Servicing, In
        408437069          Single Family Residence                          Primary                           Select Portfolio Servicing, In
        408437070          Single Family Residence                          Primary                           Select Portfolio Servicing, In
        408509569          Single Family Residence                          Primary                           Select Portfolio Servicing, In
        408509570          Condo                                            Investment                        Select Portfolio Servicing, In
        408509574          Single Family Residence                          Investment                        Select Portfolio Servicing, In
        408509575          PUD                                              Investment                        Select Portfolio Servicing, In
        408509577          Single Family Residence                          Primary                           Select Portfolio Servicing, In
        408509579          Single Family Residence                          Primary                           Select Portfolio Servicing, In
        408509582          Single Family Residence                          Investment                        Select Portfolio Servicing, In
        408509591          Single Family Residence                          Investment                        Select Portfolio Servicing, In
        408509593          Single Family Residence                          Primary                           Select Portfolio Servicing, In
        408509595          PUD                                              Investment                        Select Portfolio Servicing, In
        408509596          PUD                                              Investment                        Select Portfolio Servicing, In
        408509597          Single Family Residence                          Investment                        Select Portfolio Servicing, In
        408509599          Single Family Residence                          Primary                           Select Portfolio Servicing, In
        408509600          Single Family Residence                          Primary                           Select Portfolio Servicing, In
        408509601          Single Family Residence                          Primary                           Select Portfolio Servicing, In
        408509604          Single Family Residence                          Investment                        Select Portfolio Servicing, In
        408509605          Single Family Residence                          Primary                           Select Portfolio Servicing, In
        408509608          Single Family Residence                          Investment                        Select Portfolio Servicing, In
        408525599          Single Family Residence                          Primary                           Select Portfolio Servicing, In
        408525605          Condo                                            Primary                           Select Portfolio Servicing, In
        408525610          Single Family Residence                          Primary                           Select Portfolio Servicing, In
        408560267          Single Family Residence                          Primary                           Select Portfolio Servicing, In
        408560280          Single Family Residence                          Primary                           Select Portfolio Servicing, In
        408560285          Single Family Residence                          Primary                           Select Portfolio Servicing, In
        408581348          Condo                                            Secondary                         Select Portfolio Servicing, In
        408581349          Single Family Residence                          Primary                           Select Portfolio Servicing, In
        408581350          PUD                                              Secondary                         Select Portfolio Servicing, In
        408581353          PUD                                              Primary                           Select Portfolio Servicing, In
        408581354          Single Family Residence                          Primary                           Select Portfolio Servicing, In
        408581357          PUD                                              Primary                           Select Portfolio Servicing, In
        408581358          Condo                                            Primary                           Select Portfolio Servicing, In
        408581359          PUD                                              Primary                           Select Portfolio Servicing, In
        408581360          PUD                                              Primary                           Select Portfolio Servicing, In
        408581361          Single Family Residence                          Investment                        Select Portfolio Servicing, In
        408581362          PUD                                              Primary                           Select Portfolio Servicing, In
        408581364          Single Family Residence                          Primary                           Select Portfolio Servicing, In
        408581366          Single Family Residence                          Primary                           Select Portfolio Servicing, In
        408581368          Single Family Residence                          Primary                           Select Portfolio Servicing, In
        408581370          Single Family Residence                          Primary                           Select Portfolio Servicing, In
        408581372          Single Family Residence                          Primary                           Select Portfolio Servicing, In
        408581373          Single Family Residence                          Primary                           Select Portfolio Servicing, In
        408581374          PUD                                              Primary                           Select Portfolio Servicing, In
        408581376          Single Family Residence                          Primary                           Select Portfolio Servicing, In
        408581377          Single Family Residence                          Primary                           Select Portfolio Servicing, In
        408581378          Single Family Residence                          Primary                           Select Portfolio Servicing, In
        408581379          Single Family Residence                          Primary                           Select Portfolio Servicing, In
        408581380          Single Family Residence                          Primary                           Select Portfolio Servicing, In
        408581381          Single Family Residence                          Primary                           Select Portfolio Servicing, In
        408581382          Single Family Residence                          Primary                           Select Portfolio Servicing, In
        408581384          PUD                                              Primary                           Select Portfolio Servicing, In
        408581385          Single Family Residence                          Primary                           Select Portfolio Servicing, In
        408581386          Single Family Residence                          Primary                           Select Portfolio Servicing, In
        408581388          Single Family Residence                          Primary                           Select Portfolio Servicing, In
        408581390          Single Family Residence                          Primary                           Select Portfolio Servicing, In
        408581391          PUD                                              Primary                           Select Portfolio Servicing, In
        408581392          Single Family Residence                          Primary                           Select Portfolio Servicing, In
        408581393          PUD                                              Primary                           Select Portfolio Servicing, In
        408581396          Single Family Residence                          Primary                           Select Portfolio Servicing, In
        408581397          Single Family Residence                          Primary                           Select Portfolio Servicing, In
        408581398          Single Family Residence                          Primary                           Select Portfolio Servicing, In
        408581399          PUD                                              Primary                           Select Portfolio Servicing, In
        408581400          Single Family Residence                          Primary                           Select Portfolio Servicing, In
        408581401          Single Family Residence                          Secondary                         Select Portfolio Servicing, In
        408581402          Single Family Residence                          Primary                           Select Portfolio Servicing, In
        408581403          Single Family Residence                          Primary                           Select Portfolio Servicing, In
        408581404          Condo                                            Investment                        Select Portfolio Servicing, In
        408581405          Single Family Residence                          Investment                        Select Portfolio Servicing, In
        408581406          Single Family Residence                          Primary                           Select Portfolio Servicing, In
        408581407          PUD                                              Primary                           Select Portfolio Servicing, In
        408581409          PUD                                              Primary                           Select Portfolio Servicing, In
        408581410          Single Family Residence                          Primary                           Select Portfolio Servicing, In
        408581413          Single Family Residence                          Primary                           Select Portfolio Servicing, In
        408581414          Condo                                            Primary                           Select Portfolio Servicing, In
        408581415          PUD                                              Primary                           Select Portfolio Servicing, In
        408581416          PUD                                              Primary                           Select Portfolio Servicing, In
        408581417          Single Family Residence                          Primary                           Select Portfolio Servicing, In
        408581418          Single Family Residence                          Primary                           Select Portfolio Servicing, In
        408581420          Single Family Residence                          Primary                           Select Portfolio Servicing, In
        408581421          Single Family Residence                          Primary                           Select Portfolio Servicing, In
        408581422          Single Family Residence                          Investment                        Select Portfolio Servicing, In
        408581423          Single Family Residence                          Primary                           Select Portfolio Servicing, In
        408581424          Single Family Residence                          Primary                           Select Portfolio Servicing, In
        408581425          PUD                                              Secondary                         Select Portfolio Servicing, In
        408581427          Single Family Residence                          Primary                           Select Portfolio Servicing, In
        408581429          PUD                                              Primary                           Select Portfolio Servicing, In
        408581430          Single Family Residence                          Primary                           Select Portfolio Servicing, In
        408581432          PUD                                              Primary                           Select Portfolio Servicing, In
        408581433          Single Family Residence                          Primary                           Select Portfolio Servicing, In
        408581434          PUD                                              Primary                           Select Portfolio Servicing, In
        408581435          Single Family Residence                          Primary                           Select Portfolio Servicing, In
        408581436          Single Family Residence                          Primary                           Select Portfolio Servicing, In
        408581437          Single Family Residence                          Primary                           Select Portfolio Servicing, In
        408581439          Single Family Residence                          Primary                           Select Portfolio Servicing, In
        408581440          Single Family Residence                          Primary                           Select Portfolio Servicing, In
        408581441          Single Family Residence                          Primary                           Select Portfolio Servicing, In
        408581442          Single Family Residence                          Primary                           Select Portfolio Servicing, In
        408581445          PUD                                              Primary                           Select Portfolio Servicing, In
        408581447          Single Family Residence                          Primary                           Select Portfolio Servicing, In
        408581448          PUD                                              Investment                        Select Portfolio Servicing, In
        408581450          Single Family Residence                          Primary                           Select Portfolio Servicing, In
        408581451          Condo                                            Primary                           Select Portfolio Servicing, In
        408581452          Single Family Residence                          Primary                           Select Portfolio Servicing, In
        408581453          Condo                                            Primary                           Select Portfolio Servicing, In
        408581454          Single Family Residence                          Primary                           Select Portfolio Servicing, In
        408581455          Condo                                            Primary                           Select Portfolio Servicing, In
        408581456          Single Family Residence                          Primary                           Select Portfolio Servicing, In
        408581457          Single Family Residence                          Primary                           Select Portfolio Servicing, In
        408581458          Single Family Residence                          Primary                           Select Portfolio Servicing, In
        408581459          PUD                                              Investment                        Select Portfolio Servicing, In
        408581460          PUD                                              Primary                           Select Portfolio Servicing, In
        408581461          Single Family Residence                          Primary                           Select Portfolio Servicing, In
        408581464          PUD                                              Primary                           Select Portfolio Servicing, In
        408581465          Single Family Residence                          Secondary                         Select Portfolio Servicing, In
        408581469          PUD                                              Primary                           Select Portfolio Servicing, In
        408647999          Single Family Residence                          Investment                        Select Portfolio Servicing, In
        408752090          Single Family Residence                          Investment                        Select Portfolio Servicing, In
        408752091          Single Family Residence                          Primary                           Select Portfolio Servicing, In
        408752094          Single Family Residence                          Primary                           Select Portfolio Servicing, In
        408752096          PUD                                              Secondary                         Select Portfolio Servicing, In
        408752097          Single Family Residence                          Investment                        Select Portfolio Servicing, In
        408752098          Single Family Residence                          Primary                           Select Portfolio Servicing, In
        408752099          2-4 Family                                       Primary                           Select Portfolio Servicing, In
        408752100          Single Family Residence                          Primary                           Select Portfolio Servicing, In
        408752101          Single Family Residence                          Primary                           Select Portfolio Servicing, In
        408752103          PUD                                              Primary                           Select Portfolio Servicing, In
        408752104          2-4 Family                                       Primary                           Select Portfolio Servicing, In
        408752105          PUD                                              Secondary                         Select Portfolio Servicing, In
        408752107          Single Family Residence                          Investment                        Select Portfolio Servicing, In
        408752109          Condo                                            Secondary                         Select Portfolio Servicing, In
        408752112          PUD                                              Primary                           Select Portfolio Servicing, In
        408752113          Single Family Residence                          Primary                           Select Portfolio Servicing, In
        408752115          Condo                                            Primary                           Select Portfolio Servicing, In
        408752116          Single Family Residence                          Primary                           Select Portfolio Servicing, In
        408752117          Single Family Residence                          Primary                           Select Portfolio Servicing, In
        408752118          Single Family Residence                          Investment                        Select Portfolio Servicing, In
        408752122          PUD                                              Investment                        Select Portfolio Servicing, In
        408752123          Single Family Residence                          Primary                           Select Portfolio Servicing, In
        408752125          Condo                                            Investment                        Select Portfolio Servicing, In
        408752126          Single Family Residence                          Primary                           Select Portfolio Servicing, In
        408770509          PUD                                              Secondary                         Select Portfolio Servicing, In
        408770511          Single Family Residence                          Primary                           Select Portfolio Servicing, In
        408770513          Single Family Residence                          Primary                           Select Portfolio Servicing, In
        408770514          PUD                                              Primary                           Select Portfolio Servicing, In
        408770515          PUD                                              Primary                           Select Portfolio Servicing, In
        408770516          Single Family Residence                          Primary                           Select Portfolio Servicing, In
        408770520          Single Family Residence                          Primary                           Select Portfolio Servicing, In
        408770521          Single Family Residence                          Primary                           Select Portfolio Servicing, In
        408770522          PUD                                              Primary                           Select Portfolio Servicing, In
        408770523          PUD                                              Primary                           Select Portfolio Servicing, In
        408770525          Single Family Residence                          Secondary                         Select Portfolio Servicing, In
        408770527          PUD                                              Primary                           Select Portfolio Servicing, In
        408770529          PUD                                              Primary                           Select Portfolio Servicing, In
        408770530          PUD                                              Secondary                         Select Portfolio Servicing, In
        408770531          PUD                                              Primary                           Select Portfolio Servicing, In
        408770532          PUD                                              Primary                           Select Portfolio Servicing, In
        408770533          Single Family Residence                          Primary                           Select Portfolio Servicing, In
        408770534          Single Family Residence                          Secondary                         Select Portfolio Servicing, In
        408770536          Single Family Residence                          Primary                           Select Portfolio Servicing, In
        408770540          PUD                                              Primary                           Select Portfolio Servicing, In
        408770541          PUD                                              Primary                           Select Portfolio Servicing, In
        408770542          PUD                                              Primary                           Select Portfolio Servicing, In
        408770545          PUD                                              Primary                           Select Portfolio Servicing, In
        408770546          Condo                                            Primary                           Select Portfolio Servicing, In
        408770549          PUD                                              Primary                           Select Portfolio Servicing, In
        408770552          PUD                                              Primary                           Select Portfolio Servicing, In
        408770553          PUD                                              Primary                           Select Portfolio Servicing, In
        408770554          PUD                                              Secondary                         Select Portfolio Servicing, In
        408770556          PUD                                              Primary                           Select Portfolio Servicing, In
        408770557          PUD                                              Primary                           Select Portfolio Servicing, In
        408771626          Single Family Residence                          Primary                           Select Portfolio Servicing, In
        408771627          Single Family Residence                          Primary                           Select Portfolio Servicing, In
        408771628          PUD                                              Primary                           Select Portfolio Servicing, In
        408771629          Single Family Residence                          Primary                           Select Portfolio Servicing, In
        408771630          2-4 Family                                       Primary                           Select Portfolio Servicing, In
        408771631          Single Family Residence                          Primary                           Select Portfolio Servicing, In
        408771632          Single Family Residence                          Primary                           Select Portfolio Servicing, In
        408771633          Condo                                            Primary                           Select Portfolio Servicing, In
        408771635          Single Family Residence                          Primary                           Select Portfolio Servicing, In
        408771636          PUD                                              Primary                           Select Portfolio Servicing, In
        408771637          Single Family Residence                          Primary                           Select Portfolio Servicing, In
        408771638          Single Family Residence                          Primary                           Select Portfolio Servicing, In
        408771640          Single Family Residence                          Primary                           Select Portfolio Servicing, In
        408771641          Single Family Residence                          Primary                           Select Portfolio Servicing, In
        408771642          Single Family Residence                          Primary                           Select Portfolio Servicing, In
        408771643          Single Family Residence                          Primary                           Select Portfolio Servicing, In
        408771644          Single Family Residence                          Primary                           Select Portfolio Servicing, In
        408771645          Condo                                            Secondary                         Select Portfolio Servicing, In
        408771646          PUD                                              Primary                           Select Portfolio Servicing, In
        408771647          Condo                                            Primary                           Select Portfolio Servicing, In
        408771648          Condo                                            Primary                           Select Portfolio Servicing, In
        408771650          Single Family Residence                          Primary                           Select Portfolio Servicing, In
        408771651          Single Family Residence                          Primary                           Select Portfolio Servicing, In
        408771652          Single Family Residence                          Secondary                         Select Portfolio Servicing, In
        408771653          Condo                                            Secondary                         Select Portfolio Servicing, In
        408771654          Single Family Residence                          Primary                           Select Portfolio Servicing, In
        408771657          Single Family Residence                          Primary                           Select Portfolio Servicing, In
        408771658          PUD                                              Primary                           Select Portfolio Servicing, In
        408771659          Single Family Residence                          Primary                           Select Portfolio Servicing, In
        408771661          Single Family Residence                          Primary                           Select Portfolio Servicing, In
        408771662          PUD                                              Primary                           Select Portfolio Servicing, In
        408771663          PUD                                              Primary                           Select Portfolio Servicing, In
        408771664          Condo                                            Primary                           Select Portfolio Servicing, In
        408771666          Single Family Residence                          Primary                           Select Portfolio Servicing, In
        408785807          2-4 Family                                       Investment                        Select Portfolio Servicing, In
        408785808          Single Family Residence                          Primary                           Select Portfolio Servicing, In
        408785809          2-4 Family                                       Primary                           Select Portfolio Servicing, In
        408785812          PUD                                              Primary                           Select Portfolio Servicing, In
        408785816          Single Family Residence                          Primary                           Select Portfolio Servicing, In
        408785818          Single Family Residence                          Secondary                         Select Portfolio Servicing, In
        408785819          Single Family Residence                          Primary                           Select Portfolio Servicing, In
        408785820          PUD                                              Primary                           Select Portfolio Servicing, In
        408785821          Single Family Residence                          Primary                           Select Portfolio Servicing, In
        408785822          Condo                                            Primary                           Select Portfolio Servicing, In
        408785823          2-4 Family                                       Investment                        Select Portfolio Servicing, In
        408785824          Single Family Residence                          Primary                           Select Portfolio Servicing, In
        408785826          Single Family Residence                          Primary                           Select Portfolio Servicing, In
        408785828          Single Family Residence                          Investment                        Select Portfolio Servicing, In
        408785829          Single Family Residence                          Investment                        Select Portfolio Servicing, In
        408785830          2-4 Family                                       Primary                           Select Portfolio Servicing, In
        408785831          Single Family Residence                          Primary                           Select Portfolio Servicing, In
        408785833          Single Family Residence                          Investment                        Select Portfolio Servicing, In
        408785835          Condo                                            Primary                           Select Portfolio Servicing, In
        408785836          PUD                                              Primary                           Select Portfolio Servicing, In
        408785837          PUD                                              Primary                           Select Portfolio Servicing, In
        408785839          Single Family Residence                          Primary                           Select Portfolio Servicing, In
        408785842          Single Family Residence                          Investment                        Select Portfolio Servicing, In
        408785843          Single Family Residence                          Primary                           Select Portfolio Servicing, In
        408785844          Condo                                            Primary                           Select Portfolio Servicing, In
        408785845          Single Family Residence                          Investment                        Select Portfolio Servicing, In
        408785846          PUD                                              Primary                           Select Portfolio Servicing, In
        408785847          Single Family Residence                          Investment                        Select Portfolio Servicing, In
        408785848          Single Family Residence                          Primary                           Select Portfolio Servicing, In
        408785850          PUD                                              Primary                           Select Portfolio Servicing, In
        408785851          PUD                                              Primary                           Select Portfolio Servicing, In
        408785852          Single Family Residence                          Investment                        Select Portfolio Servicing, In
        408785853          Single Family Residence                          Investment                        Select Portfolio Servicing, In
        408785854          PUD                                              Primary                           Select Portfolio Servicing, In
        408785855          Single Family Residence                          Investment                        Select Portfolio Servicing, In
        408785856          PUD                                              Primary                           Select Portfolio Servicing, In
        408785857          2-4 Family                                       Investment                        Select Portfolio Servicing, In
        408785858          Condo                                            Investment                        Select Portfolio Servicing, In
        408785859          PUD                                              Primary                           Select Portfolio Servicing, In
        408785860          Single Family Residence                          Primary                           Select Portfolio Servicing, In
        408785861          Single Family Residence                          Investment                        Select Portfolio Servicing, In
        408785863          Single Family Residence                          Investment                        Select Portfolio Servicing, In
        408785865          Single Family Residence                          Secondary                         Select Portfolio Servicing, In
        408785866          2-4 Family                                       Investment                        Select Portfolio Servicing, In
        408785867          2-4 Family                                       Investment                        Select Portfolio Servicing, In
        408785869          Single Family Residence                          Primary                           Select Portfolio Servicing, In
        408785870          Single Family Residence                          Investment                        Select Portfolio Servicing, In
        408785871          PUD                                              Primary                           Select Portfolio Servicing, In
        408785873          Single Family Residence                          Primary                           Select Portfolio Servicing, In
        408785874          Single Family Residence                          Primary                           Select Portfolio Servicing, In
        408785875          Single Family Residence                          Primary                           Select Portfolio Servicing, In
        408785876          PUD                                              Primary                           Select Portfolio Servicing, In
        408785877          Single Family Residence                          Investment                        Select Portfolio Servicing, In
        408785878          Single Family Residence                          Primary                           Select Portfolio Servicing, In
        408785879          2-4 Family                                       Investment                        Select Portfolio Servicing, In
        408785880          2-4 Family                                       Primary                           Select Portfolio Servicing, In
        408785882          PUD                                              Primary                           Select Portfolio Servicing, In
        408785883          PUD                                              Primary                           Select Portfolio Servicing, In
        408785884          2-4 Family                                       Investment                        Select Portfolio Servicing, In
        408785885          Condo                                            Investment                        Select Portfolio Servicing, In
        408785886          PUD                                              Investment                        Select Portfolio Servicing, In
        408785887          Single Family Residence                          Primary                           Select Portfolio Servicing, In
        408785889          Condo                                            Primary                           Select Portfolio Servicing, In
        408785890          PUD                                              Primary                           Select Portfolio Servicing, In
        408785891          Single Family Residence                          Primary                           Select Portfolio Servicing, In
        408785893          PUD                                              Investment                        Select Portfolio Servicing, In
        408785894          Single Family Residence                          Investment                        Select Portfolio Servicing, In
        408785897          PUD                                              Primary                           Select Portfolio Servicing, In
        408785898          PUD                                              Investment                        Select Portfolio Servicing, In
        408785899          PUD                                              Primary                           Select Portfolio Servicing, In
        408785900          Single Family Residence                          Primary                           Select Portfolio Servicing, In
        408785902          Single Family Residence                          Primary                           Select Portfolio Servicing, In
        408785903          Single Family Residence                          Investment                        Select Portfolio Servicing, In
        408785904          Condo                                            Secondary                         Select Portfolio Servicing, In
        408785906          2-4 Family                                       Investment                        Select Portfolio Servicing, In
        408785908          Single Family Residence                          Primary                           Select Portfolio Servicing, In
        408785910          Single Family Residence                          Primary                           Select Portfolio Servicing, In
        408785911          Single Family Residence                          Investment                        Select Portfolio Servicing, In
        408785912          PUD                                              Primary                           Select Portfolio Servicing, In
        408785913          Single Family Residence                          Investment                        Select Portfolio Servicing, In
        408785914          Single Family Residence                          Investment                        Select Portfolio Servicing, In
        408785915          Condo                                            Primary                           Select Portfolio Servicing, In
        408785917          Single Family Residence                          Primary                           Select Portfolio Servicing, In
        408785919          PUD                                              Investment                        Select Portfolio Servicing, In
        408785921          Single Family Residence                          Primary                           Select Portfolio Servicing, In
        408785923          Condo                                            Secondary                         Select Portfolio Servicing, In
        408785924          2-4 Family                                       Primary                           Select Portfolio Servicing, In
        408785925          Single Family Residence                          Primary                           Select Portfolio Servicing, In
        408785928          PUD                                              Primary                           Select Portfolio Servicing, In
        408785929          PUD                                              Primary                           Select Portfolio Servicing, In
        408785930          Single Family Residence                          Primary                           Select Portfolio Servicing, In
        408785934          PUD                                              Primary                           Select Portfolio Servicing, In
        408785935          Single Family Residence                          Investment                        Select Portfolio Servicing, In
        408785936          Single Family Residence                          Primary                           Select Portfolio Servicing, In
        408785937          Single Family Residence                          Primary                           Select Portfolio Servicing, In
        408785938          Single Family Residence                          Investment                        Select Portfolio Servicing, In
        408785940          PUD                                              Primary                           Select Portfolio Servicing, In
        408785941          PUD                                              Primary                           Select Portfolio Servicing, In
        408785942          2-4 Family                                       Primary                           Select Portfolio Servicing, In
        408785943          Single Family Residence                          Primary                           Select Portfolio Servicing, In
        408785944          Single Family Residence                          Investment                        Select Portfolio Servicing, In
        408785945          Single Family Residence                          Primary                           Select Portfolio Servicing, In
        408785946          Single Family Residence                          Primary                           Select Portfolio Servicing, In
        408785947          Single Family Residence                          Primary                           Select Portfolio Servicing, In
        408785948          PUD                                              Secondary                         Select Portfolio Servicing, In
        408785950          PUD                                              Secondary                         Select Portfolio Servicing, In
        408785951          Single Family Residence                          Primary                           Select Portfolio Servicing, In
        408785952          Single Family Residence                          Secondary                         Select Portfolio Servicing, In
        408785953          Single Family Residence                          Primary                           Select Portfolio Servicing, In
        408785954          Condo                                            Secondary                         Select Portfolio Servicing, In
        408785955          Single Family Residence                          Investment                        Select Portfolio Servicing, In
        408785959          PUD                                              Primary                           Select Portfolio Servicing, In
        408785960          Single Family Residence                          Primary                           Select Portfolio Servicing, In
        408785961          PUD                                              Primary                           Select Portfolio Servicing, In
        408785962          Single Family Residence                          Primary                           Select Portfolio Servicing, In
        408785963          Condo                                            Primary                           Select Portfolio Servicing, In
        408785965          Single Family Residence                          Primary                           Select Portfolio Servicing, In
        408785967          PUD                                              Secondary                         Select Portfolio Servicing, In
        408785968          Single Family Residence                          Primary                           Select Portfolio Servicing, In
        408785969          Single Family Residence                          Primary                           Select Portfolio Servicing, In
        408785971          Single Family Residence                          Primary                           Select Portfolio Servicing, In
        408785972          Single Family Residence                          Primary                           Select Portfolio Servicing, In
        408785973          Condo                                            Investment                        Select Portfolio Servicing, In
        408785974          2-4 Family                                       Primary                           Select Portfolio Servicing, In
        408785975          Single Family Residence                          Primary                           Select Portfolio Servicing, In
        408785976          Single Family Residence                          Primary                           Select Portfolio Servicing, In
        408785977          Single Family Residence                          Primary                           Select Portfolio Servicing, In
        408785978          Condo                                            Investment                        Select Portfolio Servicing, In
        408785979          Single Family Residence                          Primary                           Select Portfolio Servicing, In
        408785980          PUD                                              Primary                           Select Portfolio Servicing, In
        408785981          Single Family Residence                          Primary                           Select Portfolio Servicing, In
        408785982          Condo                                            Primary                           Select Portfolio Servicing, In
        408785983          Single Family Residence                          Primary                           Select Portfolio Servicing, In
        408785985          Single Family Residence                          Primary                           Select Portfolio Servicing, In
        408785986          Condo                                            Primary                           Select Portfolio Servicing, In
        408785987          PUD                                              Primary                           Select Portfolio Servicing, In
        408785988          PUD                                              Investment                        Select Portfolio Servicing, In
        408803655          Single Family Residence                          Primary                           Select Portfolio Servicing, In
        408803656          Single Family Residence                          Primary                           Select Portfolio Servicing, In
        408803657          Condo                                            Primary                           Select Portfolio Servicing, In
        408803660          2-4 Family                                       Primary                           Select Portfolio Servicing, In
        408803662          Condo                                            Primary                           Select Portfolio Servicing, In
        408803665          PUD                                              Primary                           Select Portfolio Servicing, In
        408803666          Condo                                            Primary                           Select Portfolio Servicing, In
        408803668          Condo                                            Primary                           Select Portfolio Servicing, In
        408803675          Single Family Residence                          Primary                           Select Portfolio Servicing, In
        408803676          2-4 Family                                       Primary                           Select Portfolio Servicing, In
        408803679          Single Family Residence                          Primary                           Select Portfolio Servicing, In
        408803683          2-4 Family                                       Investment                        Select Portfolio Servicing, In
        408803684          Single Family Residence                          Investment                        Select Portfolio Servicing, In
        408803689          PUD                                              Primary                           Select Portfolio Servicing, In
        408803690          2-4 Family                                       Primary                           Select Portfolio Servicing, In
        408803691          Single Family Residence                          Primary                           Select Portfolio Servicing, In
        408803696          Condo                                            Primary                           Select Portfolio Servicing, In
        408835049          2-4 Family                                       Investment                        Select Portfolio Servicing, In
        408835051          Single Family Residence                          Primary                           Select Portfolio Servicing, In
        408835052          PUD                                              Primary                           Select Portfolio Servicing, In
        408835053          PUD                                              Primary                           Select Portfolio Servicing, In
        408835057          PUD                                              Primary                           Select Portfolio Servicing, In
        408835059          Single Family Residence                          Primary                           Select Portfolio Servicing, In
        408835062          PUD                                              Primary                           Select Portfolio Servicing, In
        408835064          PUD                                              Primary                           Select Portfolio Servicing, In
        408835065          PUD                                              Primary                           Select Portfolio Servicing, In
        408835067          Single Family Residence                          Primary                           Select Portfolio Servicing, In
        408835070          PUD                                              Primary                           Select Portfolio Servicing, In
        408835071          PUD                                              Primary                           Select Portfolio Servicing, In
        408835072          Single Family Residence                          Primary                           Select Portfolio Servicing, In
        408835074          2-4 Family                                       Investment                        Select Portfolio Servicing, In
        408852858          Single Family Residence                          Primary                           Select Portfolio Servicing, In
        408852862          Single Family Residence                          Primary                           Select Portfolio Servicing, In
        408861325          Single Family Residence                          Investment                        Select Portfolio Servicing, In
        408861328          Condo                                            Primary                           Select Portfolio Servicing, In
        408861330          Condo                                            Primary                           Select Portfolio Servicing, In
        408861333          Single Family Residence                          Primary                           Select Portfolio Servicing, In
        408861336          PUD                                              Primary                           Select Portfolio Servicing, In
        408861338          Single Family Residence                          Investment                        Select Portfolio Servicing, In
        408862727          Single Family Residence                          Investment                        Select Portfolio Servicing, In
        408862730          PUD                                              Investment                        Select Portfolio Servicing, In
        408862733          Single Family Residence                          Primary                           Select Portfolio Servicing, In
        408862734          PUD                                              Secondary                         Select Portfolio Servicing, In
        408862735          Condo                                            Primary                           Select Portfolio Servicing, In
        408862737          Single Family Residence                          Primary                           Select Portfolio Servicing, In
        408862739          Condo                                            Primary                           Select Portfolio Servicing, In
        408862742          Single Family Residence                          Primary                           Select Portfolio Servicing, In
        408862743          PUD                                              Primary                           Select Portfolio Servicing, In
        408862746          PUD                                              Primary                           Select Portfolio Servicing, In
        408862751          Single Family Residence                          Primary                           Select Portfolio Servicing, In
        408862755          Single Family Residence                          Primary                           Select Portfolio Servicing, In
        408862763          Single Family Residence                          Primary                           Select Portfolio Servicing, In
        408862764          Condo                                            Primary                           Select Portfolio Servicing, In
        408862765          PUD                                              Investment                        Select Portfolio Servicing, In
        408862767          Single Family Residence                          Primary                           Select Portfolio Servicing, In
        408862769          Single Family Residence                          Investment                        Select Portfolio Servicing, In
        408862772          Single Family Residence                          Investment                        Select Portfolio Servicing, In
        408862773          Single Family Residence                          Investment                        Select Portfolio Servicing, In
        408862776          2-4 Family                                       Investment                        Select Portfolio Servicing, In
        408862786          Single Family Residence                          Primary                           Select Portfolio Servicing, In
        408862788          Condo                                            Primary                           Select Portfolio Servicing, In
        408862789          Single Family Residence                          Primary                           Select Portfolio Servicing, In
        408862791          Single Family Residence                          Primary                           Select Portfolio Servicing, In
        408862792          Single Family Residence                          Primary                           Select Portfolio Servicing, In
        408862794          Single Family Residence                          Primary                           Select Portfolio Servicing, In
        408862795          Single Family Residence                          Primary                           Select Portfolio Servicing, In
        408862796          Single Family Residence                          Primary                           Select Portfolio Servicing, In
        408862799          Single Family Residence                          Primary                           Select Portfolio Servicing, In
        408869588          PUD                                              Primary                           Select Portfolio Servicing, In
        408869590          Single Family Residence                          Primary                           Select Portfolio Servicing, In
        408869593          Condo                                            Primary                           Select Portfolio Servicing, In
        408869606          Condo                                            Primary                           Select Portfolio Servicing, In
        408869609          PUD                                              Primary                           Select Portfolio Servicing, In
        408869612          Condo                                            Primary                           Select Portfolio Servicing, In
        408869613          Single Family Residence                          Primary                           Select Portfolio Servicing, In
        408869616          PUD                                              Primary                           Select Portfolio Servicing, In
        408869618          Single Family Residence                          Primary                           Select Portfolio Servicing, In
        408869619          PUD                                              Primary                           Select Portfolio Servicing, In
        408869621          PUD                                              Primary                           Select Portfolio Servicing, In
        408869622          PUD                                              Primary                           Select Portfolio Servicing, In
        408869623          Single Family Residence                          Primary                           Select Portfolio Servicing, In
        408869624          PUD                                              Primary                           Select Portfolio Servicing, In
        408869625          PUD                                              Primary                           Select Portfolio Servicing, In
        408869629          PUD                                              Primary                           Select Portfolio Servicing, In
        408869632          PUD                                              Secondary                         Select Portfolio Servicing, In
        408869633          PUD                                              Primary                           Select Portfolio Servicing, In
        408869634          Condo                                            Primary                           Select Portfolio Servicing, In
        408869635          Single Family Residence                          Primary                           Select Portfolio Servicing, In
        408869641          PUD                                              Secondary                         Select Portfolio Servicing, In
        408869643          Single Family Residence                          Primary                           Select Portfolio Servicing, In
        408869647          PUD                                              Primary                           Select Portfolio Servicing, In
        408869648          Single Family Residence                          Secondary                         Select Portfolio Servicing, In
        408869652          PUD                                              Primary                           Select Portfolio Servicing, In
        408869653          PUD                                              Primary                           Select Portfolio Servicing, In
        408869654          PUD                                              Primary                           Select Portfolio Servicing, In
        408869656          Single Family Residence                          Primary                           Select Portfolio Servicing, In
        408869657          Single Family Residence                          Investment                        Select Portfolio Servicing, In
        408869658          PUD                                              Primary                           Select Portfolio Servicing, In
        408869659          PUD                                              Primary                           Select Portfolio Servicing, In
        408869662          PUD                                              Primary                           Select Portfolio Servicing, In
        408869663          PUD                                              Primary                           Select Portfolio Servicing, In
        408869666          Single Family Residence                          Primary                           Select Portfolio Servicing, In
        408869667          PUD                                              Primary                           Select Portfolio Servicing, In
        408869668          PUD                                              Primary                           Select Portfolio Servicing, In
        408869670          PUD                                              Primary                           Select Portfolio Servicing, In
        408869672          PUD                                              Primary                           Select Portfolio Servicing, In
        408869674          PUD                                              Primary                           Select Portfolio Servicing, In
        408869675          PUD                                              Primary                           Select Portfolio Servicing, In
        408869678          PUD                                              Primary                           Select Portfolio Servicing, In
        408869680          Single Family Residence                          Primary                           Select Portfolio Servicing, In
        408869681          PUD                                              Primary                           Select Portfolio Servicing, In
        408869683          Single Family Residence                          Primary                           Select Portfolio Servicing, In
        408869687          Single Family Residence                          Investment                        Select Portfolio Servicing, In
        408869689          Single Family Residence                          Primary                           Select Portfolio Servicing, In
        408869691          PUD                                              Primary                           Select Portfolio Servicing, In
        408869692          PUD                                              Primary                           Select Portfolio Servicing, In
        408869697          Single Family Residence                          Primary                           Select Portfolio Servicing, In
        408869698          PUD                                              Primary                           Select Portfolio Servicing, In
        408869699          PUD                                              Primary                           Select Portfolio Servicing, In
        408871397          PUD                                              Primary                           Select Portfolio Servicing, In
        408871398          PUD                                              Primary                           Select Portfolio Servicing, In
        408871399          Single Family Residence                          Primary                           Select Portfolio Servicing, In
        408871400          PUD                                              Primary                           Select Portfolio Servicing, In
        408871401          PUD                                              Primary                           Select Portfolio Servicing, In
        408871402          Single Family Residence                          Primary                           Select Portfolio Servicing, In
        408871403          Single Family Residence                          Primary                           Select Portfolio Servicing, In
        408871405          Condo                                            Primary                           Select Portfolio Servicing, In
        408871406          Single Family Residence                          Primary                           Select Portfolio Servicing, In
        408871408          Single Family Residence                          Primary                           Select Portfolio Servicing, In
        408871409          PUD                                              Primary                           Select Portfolio Servicing, In
        408871410          Single Family Residence                          Primary                           Select Portfolio Servicing, In
        408871411          Single Family Residence                          Primary                           Select Portfolio Servicing, In
        408871412          PUD                                              Primary                           Select Portfolio Servicing, In
        408871414          PUD                                              Primary                           Select Portfolio Servicing, In
        408871415          PUD                                              Primary                           Select Portfolio Servicing, In
        408871417          Single Family Residence                          Primary                           Select Portfolio Servicing, In
        408877540          Single Family Residence                          Investment                        Select Portfolio Servicing, In
        408896711          Single Family Residence                          Primary                           Select Portfolio Servicing, In
        408904527          Single Family Residence                          Primary                           Select Portfolio Servicing, In
        408904532          PUD                                              Primary                           Select Portfolio Servicing, In
        408904537          PUD                                              Primary                           Select Portfolio Servicing, In
        408904539          Condo                                            Primary                           Select Portfolio Servicing, In
        408904541          Single Family Residence                          Primary                           Select Portfolio Servicing, In
        408904544          Single Family Residence                          Primary                           Select Portfolio Servicing, In
        408904545          2-4 Family                                       Investment                        Select Portfolio Servicing, In
        408940757          PUD                                              Secondary                         Select Portfolio Servicing, In
        408940758          Condo                                            Investment                        Select Portfolio Servicing, In
        408940759          PUD                                              Primary                           Select Portfolio Servicing, In
        408940760          Single Family Residence                          Primary                           Select Portfolio Servicing, In
        408940762          Single Family Residence                          Primary                           Select Portfolio Servicing, In
        408940763          Condo                                            Primary                           Select Portfolio Servicing, In
        408940764          Single Family Residence                          Investment                        Select Portfolio Servicing, In
        408940765          Single Family Residence                          Secondary                         Select Portfolio Servicing, In
        408940766          Single Family Residence                          Primary                           Select Portfolio Servicing, In
        408940769          Single Family Residence                          Primary                           Select Portfolio Servicing, In
        408940770          Single Family Residence                          Primary                           Select Portfolio Servicing, In
        408940774          Single Family Residence                          Investment                        Select Portfolio Servicing, In
        408940775          Condo                                            Primary                           Select Portfolio Servicing, In
        408940776          Condo                                            Secondary                         Select Portfolio Servicing, In
        408940777          PUD                                              Investment                        Select Portfolio Servicing, In
        408940779          Condo                                            Primary                           Select Portfolio Servicing, In
        408940782          PUD                                              Primary                           Select Portfolio Servicing, In
        408940783          2-4 Family                                       Primary                           Select Portfolio Servicing, In
        408940784          Condo                                            Primary                           Select Portfolio Servicing, In
        408940785          Condo                                            Primary                           Select Portfolio Servicing, In
        408949239          Single Family Residence                          Primary                           Select Portfolio Servicing, In
        408949242          Single Family Residence                          Primary                           Select Portfolio Servicing, In
        408949244          Single Family Residence                          Primary                           Select Portfolio Servicing, In
        408949245          Single Family Residence                          Primary                           Select Portfolio Servicing, In
        408949246          Single Family Residence                          Primary                           Select Portfolio Servicing, In
        408949247          PUD                                              Primary                           Select Portfolio Servicing, In
        408949248          Single Family Residence                          Primary                           Select Portfolio Servicing, In
        408949249          Single Family Residence                          Primary                           Select Portfolio Servicing, In
        408949250          Condo                                            Primary                           Select Portfolio Servicing, In
        408949252          Condo                                            Primary                           Select Portfolio Servicing, In
        408949253          Single Family Residence                          Primary                           Select Portfolio Servicing, In
        408949254          PUD                                              Primary                           Select Portfolio Servicing, In
        408949256          PUD                                              Primary                           Select Portfolio Servicing, In
        408949257          PUD                                              Primary                           Select Portfolio Servicing, In
        408949258          Single Family Residence                          Primary                           Select Portfolio Servicing, In
        408949259          Single Family Residence                          Primary                           Select Portfolio Servicing, In
        408949260          Single Family Residence                          Primary                           Select Portfolio Servicing, In
        408949261          Single Family Residence                          Primary                           Select Portfolio Servicing, In
        408949262          Single Family Residence                          Primary                           Select Portfolio Servicing, In
        408949263          Single Family Residence                          Primary                           Select Portfolio Servicing, In
        408949264          Single Family Residence                          Primary                           Select Portfolio Servicing, In
        408949265          Single Family Residence                          Primary                           Select Portfolio Servicing, In
        408949267          Single Family Residence                          Primary                           Select Portfolio Servicing, In
        408949268          PUD                                              Primary                           Select Portfolio Servicing, In
        408949269          Single Family Residence                          Primary                           Select Portfolio Servicing, In
        408949270          PUD                                              Primary                           Select Portfolio Servicing, In
        408949271          Single Family Residence                          Primary                           Select Portfolio Servicing, In
        408949273          Condo                                            Primary                           Select Portfolio Servicing, In
        408949274          Single Family Residence                          Primary                           Select Portfolio Servicing, In
        408949275          Single Family Residence                          Primary                           Select Portfolio Servicing, In
        408949276          Single Family Residence                          Primary                           Select Portfolio Servicing, In
        408949277          Single Family Residence                          Primary                           Select Portfolio Servicing, In
        408949279          PUD                                              Primary                           Select Portfolio Servicing, In
        408949280          PUD                                              Primary                           Select Portfolio Servicing, In
        408949281          Single Family Residence                          Primary                           Select Portfolio Servicing, In
        408949285          PUD                                              Primary                           Select Portfolio Servicing, In
        408949286          Single Family Residence                          Primary                           Select Portfolio Servicing, In
        408949288          Single Family Residence                          Primary                           Select Portfolio Servicing, In
        408949289          Single Family Residence                          Primary                           Select Portfolio Servicing, In
        408949291          Single Family Residence                          Primary                           Select Portfolio Servicing, In
        408949292          PUD                                              Primary                           Select Portfolio Servicing, In
        408949294          PUD                                              Primary                           Select Portfolio Servicing, In
        408949295          Single Family Residence                          Primary                           Select Portfolio Servicing, In
        408949296          Single Family Residence                          Primary                           Select Portfolio Servicing, In
        408949297          Single Family Residence                          Primary                           Select Portfolio Servicing, In
        408949298          Single Family Residence                          Primary                           Select Portfolio Servicing, In
        408949299          Single Family Residence                          Primary                           Select Portfolio Servicing, In
        408949300          Town House                                       Primary                           Select Portfolio Servicing, In
        408949301          PUD                                              Primary                           Select Portfolio Servicing, In
        408949302          Single Family Residence                          Primary                           Select Portfolio Servicing, In
        408949303          Single Family Residence                          Primary                           Select Portfolio Servicing, In
        408949304          Single Family Residence                          Primary                           Select Portfolio Servicing, In
        408949306          PUD                                              Primary                           Select Portfolio Servicing, In
        408949307          PUD                                              Primary                           Select Portfolio Servicing, In
        408949308          Condo                                            Primary                           Select Portfolio Servicing, In
        408949309          Single Family Residence                          Primary                           Select Portfolio Servicing, In
        408949310          Condo                                            Primary                           Select Portfolio Servicing, In
        408949311          Town House                                       Primary                           Select Portfolio Servicing, In
        408949312          PUD                                              Primary                           Select Portfolio Servicing, In
        408949317          PUD                                              Primary                           Select Portfolio Servicing, In
        408949318          Single Family Residence                          Primary                           Select Portfolio Servicing, In
        408949319          Single Family Residence                          Primary                           Select Portfolio Servicing, In
        408949320          Single Family Residence                          Primary                           Select Portfolio Servicing, In
        408949321          Town House                                       Primary                           Select Portfolio Servicing, In
        408949323          Single Family Residence                          Primary                           Select Portfolio Servicing, In
        408949324          PUD                                              Primary                           Select Portfolio Servicing, In
        408949326          Single Family Residence                          Primary                           Select Portfolio Servicing, In
        408949327          Single Family Residence                          Primary                           Select Portfolio Servicing, In
        408949329          Single Family Residence                          Primary                           Select Portfolio Servicing, In
        408949330          Single Family Residence                          Primary                           Select Portfolio Servicing, In
        408949332          Single Family Residence                          Primary                           Select Portfolio Servicing, In
        408955338          2-4 Family                                       Investment                        Select Portfolio Servicing, In
        408955345          Single Family Residence                          Secondary                         Select Portfolio Servicing, In
        408955350          Single Family Residence                          Primary                           Select Portfolio Servicing, In
        408955352          Single Family Residence                          Primary                           Select Portfolio Servicing, In
        408955353          Single Family Residence                          Primary                           Select Portfolio Servicing, In
        408955355          Single Family Residence                          Primary                           Select Portfolio Servicing, In
        408955357          PUD                                              Primary                           Select Portfolio Servicing, In
        408955358          Single Family Residence                          Primary                           Select Portfolio Servicing, In
        408955359          Single Family Residence                          Primary                           Select Portfolio Servicing, In
        408955360          Condo                                            Primary                           Select Portfolio Servicing, In
        408955362          Single Family Residence                          Primary                           Select Portfolio Servicing, In
        408955363          Single Family Residence                          Primary                           Select Portfolio Servicing, In
        408955364          Condo                                            Primary                           Select Portfolio Servicing, In
        408955365          Single Family Residence                          Primary                           Select Portfolio Servicing, In
        408955368          Single Family Residence                          Primary                           Select Portfolio Servicing, In
        408955369          Single Family Residence                          Primary                           Select Portfolio Servicing, In
        408955370          Condo                                            Primary                           Select Portfolio Servicing, In
        408955371          Single Family Residence                          Primary                           Select Portfolio Servicing, In
        408955372          Single Family Residence                          Primary                           Select Portfolio Servicing, In
        408955373          PUD                                              Primary                           Select Portfolio Servicing, In
        408955375          Single Family Residence                          Primary                           Select Portfolio Servicing, In
        408955376          Single Family Residence                          Secondary                         Select Portfolio Servicing, In
        408955378          PUD                                              Primary                           Select Portfolio Servicing, In
        408955379          Single Family Residence                          Primary                           Select Portfolio Servicing, In
        408955382          PUD                                              Primary                           Select Portfolio Servicing, In
        408955383          PUD                                              Primary                           Select Portfolio Servicing, In
        408955384          Single Family Residence                          Primary                           Select Portfolio Servicing, In
        408978568          2-4 Family                                       Primary                           Select Portfolio Servicing, In
        408978580          Condo                                            Primary                           Select Portfolio Servicing, In
        408978581          PUD                                              Primary                           Select Portfolio Servicing, In
        408978582          Town House                                       Primary                           Select Portfolio Servicing, In
        408978584          Single Family Residence                          Primary                           Select Portfolio Servicing, In
        408978591          Single Family Residence                          Primary                           Select Portfolio Servicing, In
        408978595          Single Family Residence                          Primary                           Select Portfolio Servicing, In
        408978599          2-4 Family                                       Primary                           Select Portfolio Servicing, In
        408978600          Single Family Residence                          Primary                           Select Portfolio Servicing, In
        408978605          Single Family Residence                          Primary                           Select Portfolio Servicing, In
        408978615          Condo                                            Primary                           Select Portfolio Servicing, In
        408978617          2-4 Family                                       Primary                           Select Portfolio Servicing, In
        408978618          Single Family Residence                          Primary                           Select Portfolio Servicing, In
        408978619          Single Family Residence                          Primary                           Select Portfolio Servicing, In
        408978623          Single Family Residence                          Primary                           Select Portfolio Servicing, In
        408978624          Single Family Residence                          Primary                           Select Portfolio Servicing, In
        408978625          Condo                                            Primary                           Select Portfolio Servicing, In
        408978628          Single Family Residence                          Primary                           Select Portfolio Servicing, In
        408978629          Single Family Residence                          Primary                           Select Portfolio Servicing, In
        408978632          Single Family Residence                          Primary                           Select Portfolio Servicing, In
        408978634          Single Family Residence                          Primary                           Select Portfolio Servicing, In
        408978635          2-4 Family                                       Primary                           Select Portfolio Servicing, In
        408978637          Condo                                            Primary                           Select Portfolio Servicing, In
        408978643          Single Family Residence                          Primary                           Select Portfolio Servicing, In
        408978648          Single Family Residence                          Primary                           Select Portfolio Servicing, In
        408978650          2-4 Family                                       Primary                           Select Portfolio Servicing, In
        408978651          Single Family Residence                          Primary                           Select Portfolio Servicing, In
        408978652          Single Family Residence                          Primary                           Select Portfolio Servicing, In
        408978653          Single Family Residence                          Primary                           Select Portfolio Servicing, In
        408978657          Single Family Residence                          Primary                           Select Portfolio Servicing, In
        408978666          Single Family Residence                          Primary                           Select Portfolio Servicing, In
        408978669          Single Family Residence                          Primary                           Select Portfolio Servicing, In
        408978670          Single Family Residence                          Primary                           Select Portfolio Servicing, In
        408978672          Condo                                            Primary                           Select Portfolio Servicing, In
        408978680          2-4 Family                                       Primary                           Select Portfolio Servicing, In
        408978682          2-4 Family                                       Primary                           Select Portfolio Servicing, In
        408978683          Single Family Residence                          Primary                           Select Portfolio Servicing, In
        408978690          Single Family Residence                          Primary                           Select Portfolio Servicing, In
        408978692          Single Family Residence                          Primary                           Select Portfolio Servicing, In
        408978694          2-4 Family                                       Primary                           Select Portfolio Servicing, In
        408978695          PUD                                              Primary                           Select Portfolio Servicing, In
        408978697          Single Family Residence                          Primary                           Select Portfolio Servicing, In
        408978699          Single Family Residence                          Primary                           Select Portfolio Servicing, In
        408978700          Single Family Residence                          Primary                           Select Portfolio Servicing, In
        408978702          Single Family Residence                          Primary                           Select Portfolio Servicing, In
        408978706          Condo                                            Primary                           Select Portfolio Servicing, In
        408978708          Single Family Residence                          Primary                           Select Portfolio Servicing, In
        408978711          2-4 Family                                       Primary                           Select Portfolio Servicing, In
        408978713          2-4 Family                                       Primary                           Select Portfolio Servicing, In
        408978716          Single Family Residence                          Primary                           Select Portfolio Servicing, In
        408978718          2-4 Family                                       Primary                           Select Portfolio Servicing, In
        408978719          2-4 Family                                       Primary                           Select Portfolio Servicing, In
        408978720          Condo                                            Primary                           Select Portfolio Servicing, In
        408978721          PUD                                              Primary                           Select Portfolio Servicing, In
        408978722          Condo                                            Primary                           Select Portfolio Servicing, In
        408978724          Single Family Residence                          Primary                           Select Portfolio Servicing, In
        408978725          Single Family Residence                          Primary                           Select Portfolio Servicing, In
        408978726          Single Family Residence                          Primary                           Select Portfolio Servicing, In
        408978731          Single Family Residence                          Primary                           Select Portfolio Servicing, In
        408978732          Single Family Residence                          Primary                           Select Portfolio Servicing, In
        408978733          Single Family Residence                          Primary                           Select Portfolio Servicing, In
        408978734          PUD                                              Primary                           Select Portfolio Servicing, In
        408978735          Single Family Residence                          Primary                           Select Portfolio Servicing, In
        408978738          Single Family Residence                          Primary                           Select Portfolio Servicing, In
        408978739          Single Family Residence                          Primary                           Select Portfolio Servicing, In
        408978740          Single Family Residence                          Primary                           Select Portfolio Servicing, In
        408978741          Single Family Residence                          Primary                           Select Portfolio Servicing, In
        408978743          PUD                                              Primary                           Select Portfolio Servicing, In
        408978747          PUD                                              Primary                           Select Portfolio Servicing, In
        408978749          Single Family Residence                          Primary                           Select Portfolio Servicing, In
        408978750          Single Family Residence                          Primary                           Select Portfolio Servicing, In
        408978757          Single Family Residence                          Primary                           Select Portfolio Servicing, In
        408978758          2-4 Family                                       Primary                           Select Portfolio Servicing, In
        408978760          Single Family Residence                          Primary                           Select Portfolio Servicing, In
        408978761          2-4 Family                                       Primary                           Select Portfolio Servicing, In
        408978762          2-4 Family                                       Primary                           Select Portfolio Servicing, In
        408978765          Single Family Residence                          Primary                           Select Portfolio Servicing, In
        408978766          Single Family Residence                          Primary                           Select Portfolio Servicing, In
        408978772          Single Family Residence                          Primary                           Select Portfolio Servicing, In
        408978776          Single Family Residence                          Primary                           Select Portfolio Servicing, In
        408978778          2-4 Family                                       Primary                           Select Portfolio Servicing, In
        408978780          2-4 Family                                       Primary                           Select Portfolio Servicing, In
        408978781          Condo                                            Primary                           Select Portfolio Servicing, In
        408978782          Single Family Residence                          Primary                           Select Portfolio Servicing, In
        408978783          Condo                                            Primary                           Select Portfolio Servicing, In
        408978784          Single Family Residence                          Primary                           Select Portfolio Servicing, In
        408978785          Single Family Residence                          Primary                           Select Portfolio Servicing, In
        408978787          Single Family Residence                          Primary                           Select Portfolio Servicing, In
        408978788          Single Family Residence                          Primary                           Select Portfolio Servicing, In
        408978789          Single Family Residence                          Primary                           Select Portfolio Servicing, In
        408978793          Single Family Residence                          Primary                           Select Portfolio Servicing, In
        408978795          2-4 Family                                       Primary                           Select Portfolio Servicing, In
        408978799          2-4 Family                                       Primary                           Select Portfolio Servicing, In
        408978806          Condo                                            Primary                           Select Portfolio Servicing, In
        408978807          Single Family Residence                          Primary                           Select Portfolio Servicing, In
        408978811          Condo                                            Primary                           Select Portfolio Servicing, In
        408978813          Single Family Residence                          Primary                           Select Portfolio Servicing, In
        408978814          Condo                                            Primary                           Select Portfolio Servicing, In
        408978816          Condo                                            Primary                           Select Portfolio Servicing, In
        408978817          2-4 Family                                       Primary                           Select Portfolio Servicing, In
        408978819          PUD                                              Primary                           Select Portfolio Servicing, In
        408978820          PUD                                              Primary                           Select Portfolio Servicing, In
        408978822          Single Family Residence                          Primary                           Select Portfolio Servicing, In
        408978826          Single Family Residence                          Primary                           Select Portfolio Servicing, In
        408978827          Single Family Residence                          Primary                           Select Portfolio Servicing, In
        408978828          2-4 Family                                       Primary                           Select Portfolio Servicing, In
        408978830          Single Family Residence                          Primary                           Select Portfolio Servicing, In
        408978835          PUD                                              Primary                           Select Portfolio Servicing, In
        408978836          2-4 Family                                       Primary                           Select Portfolio Servicing, In
        408978837          Single Family Residence                          Primary                           Select Portfolio Servicing, In
        408978838          Condo                                            Primary                           Select Portfolio Servicing, In
        408978839          2-4 Family                                       Primary                           Select Portfolio Servicing, In
        408978840          Single Family Residence                          Primary                           Select Portfolio Servicing, In
        408978842          Single Family Residence                          Primary                           Select Portfolio Servicing, In
        408978845          Single Family Residence                          Primary                           Select Portfolio Servicing, In
        408978846          2-4 Family                                       Primary                           Select Portfolio Servicing, In
        408978847          Single Family Residence                          Primary                           Select Portfolio Servicing, In
        408978849          Condo                                            Primary                           Select Portfolio Servicing, In
        408978852          Single Family Residence                          Primary                           Select Portfolio Servicing, In
        408978853          Condo                                            Primary                           Select Portfolio Servicing, In
        408978854          Single Family Residence                          Primary                           Select Portfolio Servicing, In
        408978855          Condo                                            Primary                           Select Portfolio Servicing, In
        408978856          Condo                                            Primary                           Select Portfolio Servicing, In
        408978858          PUD                                              Primary                           Select Portfolio Servicing, In
        408978859          Single Family Residence                          Primary                           Select Portfolio Servicing, In
        408978860          Single Family Residence                          Primary                           Select Portfolio Servicing, In
        408978864          Single Family Residence                          Primary                           Select Portfolio Servicing, In
        408978869          Condo                                            Primary                           Select Portfolio Servicing, In
        408978870          Condo                                            Primary                           Select Portfolio Servicing, In
        408978871          2-4 Family                                       Primary                           Select Portfolio Servicing, In
        408978874          Single Family Residence                          Primary                           Select Portfolio Servicing, In
        408978877          Single Family Residence                          Primary                           Select Portfolio Servicing, In
        408978878          Single Family Residence                          Primary                           Select Portfolio Servicing, In
        408978879          Single Family Residence                          Primary                           Select Portfolio Servicing, In
        408978892          PUD                                              Primary                           Select Portfolio Servicing, In
        408978897          Single Family Residence                          Primary                           Select Portfolio Servicing, In
        408978901          Single Family Residence                          Primary                           Select Portfolio Servicing, In
        408978902          2-4 Family                                       Primary                           Select Portfolio Servicing, In
        408978903          Single Family Residence                          Primary                           Select Portfolio Servicing, In
        408978908          Single Family Residence                          Primary                           Select Portfolio Servicing, In
        408978909          Single Family Residence                          Primary                           Select Portfolio Servicing, In
        408978910          2-4 Family                                       Primary                           Select Portfolio Servicing, In
        408978912          Condo                                            Primary                           Select Portfolio Servicing, In
        408978913          Single Family Residence                          Primary                           Select Portfolio Servicing, In
        408978914          Single Family Residence                          Primary                           Select Portfolio Servicing, In
        408978915          Single Family Residence                          Primary                           Select Portfolio Servicing, In
        408978916          Single Family Residence                          Primary                           Select Portfolio Servicing, In
        408978919          Single Family Residence                          Primary                           Select Portfolio Servicing, In
        408978920          2-4 Family                                       Primary                           Select Portfolio Servicing, In
        408978922          Single Family Residence                          Primary                           Select Portfolio Servicing, In
        408978924          Single Family Residence                          Primary                           Select Portfolio Servicing, In
        408978925          Single Family Residence                          Primary                           Select Portfolio Servicing, In
        408978926          PUD                                              Primary                           Select Portfolio Servicing, In
        408978927          Condo                                            Primary                           Select Portfolio Servicing, In
        408978928          2-4 Family                                       Primary                           Select Portfolio Servicing, In
        408978931          PUD                                              Primary                           Select Portfolio Servicing, In
        408978932          Single Family Residence                          Primary                           Select Portfolio Servicing, In
        408978933          PUD                                              Primary                           Select Portfolio Servicing, In
        408978934          Single Family Residence                          Primary                           Select Portfolio Servicing, In
        408978936          Condo                                            Primary                           Select Portfolio Servicing, In
        408978937          2-4 Family                                       Primary                           Select Portfolio Servicing, In
        408978938          Condo                                            Primary                           Select Portfolio Servicing, In
        408978940          Condo                                            Primary                           Select Portfolio Servicing, In
        408978944          2-4 Family                                       Primary                           Select Portfolio Servicing, In
        408978947          Single Family Residence                          Primary                           Select Portfolio Servicing, In
        408978948          2-4 Family                                       Primary                           Select Portfolio Servicing, In
        408978950          Condo                                            Primary                           Select Portfolio Servicing, In
        408978951          Single Family Residence                          Primary                           Select Portfolio Servicing, In
        408978952          2-4 Family                                       Primary                           Select Portfolio Servicing, In
        408978953          Condo                                            Primary                           Select Portfolio Servicing, In
        408978955          Condo                                            Primary                           Select Portfolio Servicing, In
        408978956          2-4 Family                                       Primary                           Select Portfolio Servicing, In
        408978957          Single Family Residence                          Primary                           Select Portfolio Servicing, In
        408978960          PUD                                              Primary                           Select Portfolio Servicing, In
        408978963          2-4 Family                                       Primary                           Select Portfolio Servicing, In
        408978966          Single Family Residence                          Primary                           Select Portfolio Servicing, In
        408978972          2-4 Family                                       Primary                           Select Portfolio Servicing, In
        408978973          Condo                                            Primary                           Select Portfolio Servicing, In
        408978974          Condo                                            Primary                           Select Portfolio Servicing, In
        408978975          Single Family Residence                          Primary                           Select Portfolio Servicing, In
        408978976          Single Family Residence                          Primary                           Select Portfolio Servicing, In
        408978978          2-4 Family                                       Primary                           Select Portfolio Servicing, In
        408978979          2-4 Family                                       Primary                           Select Portfolio Servicing, In
        408978980          Single Family Residence                          Primary                           Select Portfolio Servicing, In
        408978984          Single Family Residence                          Primary                           Select Portfolio Servicing, In
        408978985          Single Family Residence                          Primary                           Select Portfolio Servicing, In
        408978986          2-4 Family                                       Primary                           Select Portfolio Servicing, In
        408978987          2-4 Family                                       Primary                           Select Portfolio Servicing, In
        408978988          Single Family Residence                          Primary                           Select Portfolio Servicing, In
        408978989          Single Family Residence                          Primary                           Select Portfolio Servicing, In
        408978990          Condo                                            Primary                           Select Portfolio Servicing, In
        408978995          Condo                                            Primary                           Select Portfolio Servicing, In
        408978996          PUD                                              Primary                           Select Portfolio Servicing, In
        408978998          Single Family Residence                          Primary                           Select Portfolio Servicing, In
        408978999          Single Family Residence                          Primary                           Select Portfolio Servicing, In
        408979007          2-4 Family                                       Primary                           Select Portfolio Servicing, In
        408979009          Single Family Residence                          Primary                           Select Portfolio Servicing, In
        408979011          2-4 Family                                       Primary                           Select Portfolio Servicing, In
        408979012          Single Family Residence                          Primary                           Select Portfolio Servicing, In
        408979013          2-4 Family                                       Primary                           Select Portfolio Servicing, In
        408979014          2-4 Family                                       Primary                           Select Portfolio Servicing, In
        408979015          Condo                                            Primary                           Select Portfolio Servicing, In
        408979017          Single Family Residence                          Primary                           Select Portfolio Servicing, In
        408979018          Single Family Residence                          Primary                           Select Portfolio Servicing, In
        408979019          Single Family Residence                          Primary                           Select Portfolio Servicing, In
        408979023          Single Family Residence                          Primary                           Select Portfolio Servicing, In
        408979027          2-4 Family                                       Primary                           Select Portfolio Servicing, In
        408979029          Single Family Residence                          Primary                           Select Portfolio Servicing, In
        408979031          2-4 Family                                       Primary                           Select Portfolio Servicing, In
        408979035          Condo                                            Primary                           Select Portfolio Servicing, In
        408979036          Condo                                            Primary                           Select Portfolio Servicing, In
        408979038          Single Family Residence                          Primary                           Select Portfolio Servicing, In
        408979041          PUD                                              Primary                           Select Portfolio Servicing, In
        408979048          Single Family Residence                          Primary                           Select Portfolio Servicing, In
        408979051          2-4 Family                                       Primary                           Select Portfolio Servicing, In
        408979052          Single Family Residence                          Primary                           Select Portfolio Servicing, In
        408979055          Single Family Residence                          Primary                           Select Portfolio Servicing, In
        408979061          Single Family Residence                          Primary                           Select Portfolio Servicing, In
        408979063          Single Family Residence                          Primary                           Select Portfolio Servicing, In
        408979066          2-4 Family                                       Primary                           Select Portfolio Servicing, In
        408979069          Single Family Residence                          Primary                           Select Portfolio Servicing, In
        408979070          Single Family Residence                          Primary                           Select Portfolio Servicing, In
        408979071          Single Family Residence                          Primary                           Select Portfolio Servicing, In
        408979077          Single Family Residence                          Primary                           Select Portfolio Servicing, In
        408979078          Condo                                            Primary                           Select Portfolio Servicing, In
        408979081          Single Family Residence                          Primary                           Select Portfolio Servicing, In
        408979086          Single Family Residence                          Primary                           Select Portfolio Servicing, In
        408979087          2-4 Family                                       Primary                           Select Portfolio Servicing, In
        408979090          PUD                                              Primary                           Select Portfolio Servicing, In
        408979092          Single Family Residence                          Primary                           Select Portfolio Servicing, In
        408979093          Single Family Residence                          Primary                           Select Portfolio Servicing, In
        408979095          PUD                                              Primary                           Select Portfolio Servicing, In
        408979096          Single Family Residence                          Primary                           Select Portfolio Servicing, In
        408979097          2-4 Family                                       Primary                           Select Portfolio Servicing, In
        408979098          Single Family Residence                          Primary                           Select Portfolio Servicing, In
        408979102          Single Family Residence                          Primary                           Select Portfolio Servicing, In
        408979106          Single Family Residence                          Primary                           Select Portfolio Servicing, In
        408979107          Single Family Residence                          Primary                           Select Portfolio Servicing, In
        408979108          PUD                                              Primary                           Select Portfolio Servicing, In
        408979109          2-4 Family                                       Primary                           Select Portfolio Servicing, In
        408979112          Condo                                            Primary                           Select Portfolio Servicing, In
        408979113          Single Family Residence                          Primary                           Select Portfolio Servicing, In
        408979116          2-4 Family                                       Primary                           Select Portfolio Servicing, In
        408979118          Single Family Residence                          Primary                           Select Portfolio Servicing, In
        408979119          Condo                                            Primary                           Select Portfolio Servicing, In
        408979121          2-4 Family                                       Primary                           Select Portfolio Servicing, In
        408979122          Single Family Residence                          Primary                           Select Portfolio Servicing, In
        408979127          Single Family Residence                          Primary                           Select Portfolio Servicing, In
        408979131          2-4 Family                                       Primary                           Select Portfolio Servicing, In
        408979132          Single Family Residence                          Primary                           Select Portfolio Servicing, In
        408979135          Single Family Residence                          Primary                           Select Portfolio Servicing, In
        408979136          Single Family Residence                          Primary                           Select Portfolio Servicing, In
        408979137          Single Family Residence                          Primary                           Select Portfolio Servicing, In
        408979138          Single Family Residence                          Primary                           Select Portfolio Servicing, In
        408979139          2-4 Family                                       Primary                           Select Portfolio Servicing, In
        408979141          Single Family Residence                          Primary                           Select Portfolio Servicing, In
        408979145          2-4 Family                                       Primary                           Select Portfolio Servicing, In
        408979147          PUD                                              Primary                           Select Portfolio Servicing, In
        408979148          2-4 Family                                       Investment                        Select Portfolio Servicing, In
        408979150          Condo                                            Primary                           Select Portfolio Servicing, In
        408979151          2-4 Family                                       Primary                           Select Portfolio Servicing, In
        408979154          Single Family Residence                          Primary                           Select Portfolio Servicing, In
        408979164          Condo                                            Primary                           Select Portfolio Servicing, In
        408979166          2-4 Family                                       Primary                           Select Portfolio Servicing, In
        408979170          Single Family Residence                          Primary                           Select Portfolio Servicing, In
        408979172          2-4 Family                                       Primary                           Select Portfolio Servicing, In
        408979173          2-4 Family                                       Primary                           Select Portfolio Servicing, In
        408979176          Single Family Residence                          Primary                           Select Portfolio Servicing, In
        408979177          2-4 Family                                       Primary                           Select Portfolio Servicing, In
        408979178          Condo                                            Primary                           Select Portfolio Servicing, In
        408979181          PUD                                              Primary                           Select Portfolio Servicing, In
        408979182          Single Family Residence                          Primary                           Select Portfolio Servicing, In
        408979183          Single Family Residence                          Primary                           Select Portfolio Servicing, In
        408979186          Single Family Residence                          Primary                           Select Portfolio Servicing, In
        408979196          PUD                                              Primary                           Select Portfolio Servicing, In
        408979197          2-4 Family                                       Primary                           Select Portfolio Servicing, In
        408979202          2-4 Family                                       Primary                           Select Portfolio Servicing, In
        408979203          Condo                                            Primary                           Select Portfolio Servicing, In
        408979204          Single Family Residence                          Primary                           Select Portfolio Servicing, In
        408979205          Condo                                            Primary                           Select Portfolio Servicing, In
        408979206          Single Family Residence                          Primary                           Select Portfolio Servicing, In
        408979207          Single Family Residence                          Primary                           Select Portfolio Servicing, In
        408979208          PUD                                              Primary                           Select Portfolio Servicing, In
        408979210          2-4 Family                                       Primary                           Select Portfolio Servicing, In
        408979211          Single Family Residence                          Primary                           Select Portfolio Servicing, In
        408979213          PUD                                              Primary                           Select Portfolio Servicing, In
        408979214          Condo                                            Primary                           Select Portfolio Servicing, In
        408979215          Single Family Residence                          Primary                           Select Portfolio Servicing, In
        408979216          Single Family Residence                          Primary                           Select Portfolio Servicing, In
        408979217          Condo                                            Primary                           Select Portfolio Servicing, In
        408979219          Single Family Residence                          Primary                           Select Portfolio Servicing, In
        408979226          Single Family Residence                          Primary                           Select Portfolio Servicing, In
        408979227          Condo                                            Primary                           Select Portfolio Servicing, In
        408979228          Single Family Residence                          Primary                           Select Portfolio Servicing, In
        408979229          2-4 Family                                       Primary                           Select Portfolio Servicing, In
        408979232          Single Family Residence                          Primary                           Select Portfolio Servicing, In
        408979236          Single Family Residence                          Primary                           Select Portfolio Servicing, In
        408979238          PUD                                              Primary                           Select Portfolio Servicing, In
        408979239          PUD                                              Primary                           Select Portfolio Servicing, In
        408979244          2-4 Family                                       Primary                           Select Portfolio Servicing, In
        408979245          Condo                                            Primary                           Select Portfolio Servicing, In
        408979247          2-4 Family                                       Primary                           Select Portfolio Servicing, In
        408979251          Single Family Residence                          Primary                           Select Portfolio Servicing, In
        408979252          2-4 Family                                       Primary                           Select Portfolio Servicing, In
        408979253          Condo                                            Primary                           Select Portfolio Servicing, In
        408979254          Single Family Residence                          Primary                           Select Portfolio Servicing, In
        408979255          Single Family Residence                          Primary                           Select Portfolio Servicing, In
        408979260          PUD                                              Primary                           Select Portfolio Servicing, In
        408979261          Single Family Residence                          Primary                           Select Portfolio Servicing, In
        408979263          Single Family Residence                          Primary                           Select Portfolio Servicing, In
        408979264          Single Family Residence                          Primary                           Select Portfolio Servicing, In
        408979265          2-4 Family                                       Primary                           Select Portfolio Servicing, In
        408979267          2-4 Family                                       Primary                           Select Portfolio Servicing, In
        408979268          2-4 Family                                       Primary                           Select Portfolio Servicing, In
        408979269          Single Family Residence                          Primary                           Select Portfolio Servicing, In
        408979270          Single Family Residence                          Primary                           Select Portfolio Servicing, In
        408979271          Single Family Residence                          Primary                           Select Portfolio Servicing, In
        408979272          Single Family Residence                          Primary                           Select Portfolio Servicing, In
        408979274          Single Family Residence                          Primary                           Select Portfolio Servicing, In
        408979276          PUD                                              Primary                           Select Portfolio Servicing, In
        408979285          Single Family Residence                          Primary                           Select Portfolio Servicing, In
        408979291          2-4 Family                                       Primary                           Select Portfolio Servicing, In
        408979292          Single Family Residence                          Primary                           Select Portfolio Servicing, In
        408979293          Single Family Residence                          Primary                           Select Portfolio Servicing, In
        408979294          Single Family Residence                          Primary                           Select Portfolio Servicing, In
        408979295          Single Family Residence                          Primary                           Select Portfolio Servicing, In
        408979296          Single Family Residence                          Primary                           Select Portfolio Servicing, In
        408979297          Condo                                            Primary                           Select Portfolio Servicing, In
        408979298          Single Family Residence                          Primary                           Select Portfolio Servicing, In
        408979299          Single Family Residence                          Primary                           Select Portfolio Servicing, In
        408979300          Single Family Residence                          Primary                           Select Portfolio Servicing, In
        408979301          Single Family Residence                          Primary                           Select Portfolio Servicing, In
        408979304          Single Family Residence                          Primary                           Select Portfolio Servicing, In
        408979306          Town House                                       Primary                           Select Portfolio Servicing, In
        408979307          Single Family Residence                          Primary                           Select Portfolio Servicing, In
        408979309          Single Family Residence                          Primary                           Select Portfolio Servicing, In
        408979315          Single Family Residence                          Primary                           Select Portfolio Servicing, In
        408979316          Single Family Residence                          Primary                           Select Portfolio Servicing, In
        408979317          Single Family Residence                          Primary                           Select Portfolio Servicing, In
        408979320          Condo                                            Primary                           Select Portfolio Servicing, In
        408979321          Single Family Residence                          Primary                           Select Portfolio Servicing, In
        408979323          Single Family Residence                          Primary                           Select Portfolio Servicing, In
        408979325          PUD                                              Primary                           Select Portfolio Servicing, In
        408979326          Single Family Residence                          Primary                           Select Portfolio Servicing, In
        408979327          Condo                                            Primary                           Select Portfolio Servicing, In
        408979328          Single Family Residence                          Primary                           Select Portfolio Servicing, In
        408979331          Single Family Residence                          Primary                           Select Portfolio Servicing, In
        408979333          2-4 Family                                       Primary                           Select Portfolio Servicing, In
        408979334          2-4 Family                                       Primary                           Select Portfolio Servicing, In
        408979336          Single Family Residence                          Primary                           Select Portfolio Servicing, In
        408979338          Single Family Residence                          Primary                           Select Portfolio Servicing, In
        408979339          PUD                                              Primary                           Select Portfolio Servicing, In
        408979344          2-4 Family                                       Primary                           Select Portfolio Servicing, In
        408979345          2-4 Family                                       Primary                           Select Portfolio Servicing, In
        408979351          2-4 Family                                       Primary                           Select Portfolio Servicing, In
        408979356          2-4 Family                                       Primary                           Select Portfolio Servicing, In
        408979358          Single Family Residence                          Primary                           Select Portfolio Servicing, In
        408979359          Single Family Residence                          Primary                           Select Portfolio Servicing, In
        408979360          Single Family Residence                          Primary                           Select Portfolio Servicing, In
        408979362          Single Family Residence                          Primary                           Select Portfolio Servicing, In
        408979364          PUD                                              Primary                           Select Portfolio Servicing, In
        408979367          2-4 Family                                       Primary                           Select Portfolio Servicing, In
        408979371          Condo                                            Primary                           Select Portfolio Servicing, In
        408979372          Single Family Residence                          Primary                           Select Portfolio Servicing, In
        408979374          2-4 Family                                       Primary                           Select Portfolio Servicing, In
        408979375          Single Family Residence                          Primary                           Select Portfolio Servicing, In
        408979376          Single Family Residence                          Primary                           Select Portfolio Servicing, In
        408979378          2-4 Family                                       Primary                           Select Portfolio Servicing, In
        408979380          2-4 Family                                       Primary                           Select Portfolio Servicing, In
        408979382          Single Family Residence                          Primary                           Select Portfolio Servicing, In
        408979384          Single Family Residence                          Primary                           Select Portfolio Servicing, In
        408979385          Single Family Residence                          Primary                           Select Portfolio Servicing, In
        408979386          Single Family Residence                          Primary                           Select Portfolio Servicing, In
        408979387          PUD                                              Primary                           Select Portfolio Servicing, In
        408979389          Single Family Residence                          Primary                           Select Portfolio Servicing, In
        408979391          Single Family Residence                          Primary                           Select Portfolio Servicing, In
        408979393          Single Family Residence                          Investment                        Select Portfolio Servicing, In
        408979397          2-4 Family                                       Primary                           Select Portfolio Servicing, In
        408979398          Single Family Residence                          Primary                           Select Portfolio Servicing, In
        408979399          Single Family Residence                          Primary                           Select Portfolio Servicing, In
        408979403          2-4 Family                                       Primary                           Select Portfolio Servicing, In
        408979410          Single Family Residence                          Primary                           Select Portfolio Servicing, In
        408979411          2-4 Family                                       Primary                           Select Portfolio Servicing, In
        408979415          2-4 Family                                       Primary                           Select Portfolio Servicing, In
        408979418          2-4 Family                                       Primary                           Select Portfolio Servicing, In
        408979420          2-4 Family                                       Primary                           Select Portfolio Servicing, In
        408979421          Single Family Residence                          Primary                           Select Portfolio Servicing, In
        408979423          Single Family Residence                          Primary                           Select Portfolio Servicing, In
        408979424          Single Family Residence                          Primary                           Select Portfolio Servicing, In
        408979425          Condo                                            Primary                           Select Portfolio Servicing, In
        408979427          PUD                                              Primary                           Select Portfolio Servicing, In
        408979428          Single Family Residence                          Primary                           Select Portfolio Servicing, In
        408979429          PUD                                              Primary                           Select Portfolio Servicing, In
        408979431          2-4 Family                                       Primary                           Select Portfolio Servicing, In
        408979435          Single Family Residence                          Primary                           Select Portfolio Servicing, In
        408979439          Condo                                            Primary                           Select Portfolio Servicing, In
        408979441          Single Family Residence                          Primary                           Select Portfolio Servicing, In
        408979442          Single Family Residence                          Primary                           Select Portfolio Servicing, In
        408979443          Single Family Residence                          Primary                           Select Portfolio Servicing, In
        408979444          Single Family Residence                          Primary                           Select Portfolio Servicing, In
        408979445          Condo                                            Primary                           Select Portfolio Servicing, In
        408979447          Single Family Residence                          Primary                           Select Portfolio Servicing, In
        408979448          Single Family Residence                          Primary                           Select Portfolio Servicing, In
        408979450          Single Family Residence                          Primary                           Select Portfolio Servicing, In
        408979452          Condo                                            Primary                           Select Portfolio Servicing, In
        408979453          Single Family Residence                          Primary                           Select Portfolio Servicing, In
        408979454          Single Family Residence                          Primary                           Select Portfolio Servicing, In
        408979455          Condo                                            Primary                           Select Portfolio Servicing, In
        408979458          2-4 Family                                       Primary                           Select Portfolio Servicing, In
        408979459          Single Family Residence                          Primary                           Select Portfolio Servicing, In
        408979460          Single Family Residence                          Primary                           Select Portfolio Servicing, In
        408979461          Single Family Residence                          Primary                           Select Portfolio Servicing, In
        408979462          Single Family Residence                          Primary                           Select Portfolio Servicing, In
        408979463          Condo                                            Primary                           Select Portfolio Servicing, In
        408979464          Single Family Residence                          Primary                           Select Portfolio Servicing, In
        408979467          PUD                                              Primary                           Select Portfolio Servicing, In
        408979468          Single Family Residence                          Primary                           Select Portfolio Servicing, In
        408979470          2-4 Family                                       Primary                           Select Portfolio Servicing, In
        408979472          Single Family Residence                          Primary                           Select Portfolio Servicing, In
        408979473          2-4 Family                                       Primary                           Select Portfolio Servicing, In
        408979475          Single Family Residence                          Primary                           Select Portfolio Servicing, In
        408979476          Condo                                            Primary                           Select Portfolio Servicing, In
        408979477          Single Family Residence                          Primary                           Select Portfolio Servicing, In
        408979480          Single Family Residence                          Primary                           Select Portfolio Servicing, In
        408979482          Condo                                            Primary                           Select Portfolio Servicing, In
        408979484          Condo                                            Primary                           Select Portfolio Servicing, In
        408979485          Single Family Residence                          Primary                           Select Portfolio Servicing, In
        408979489          2-4 Family                                       Primary                           Select Portfolio Servicing, In
        408979491          Single Family Residence                          Primary                           Select Portfolio Servicing, In
        408979492          2-4 Family                                       Primary                           Select Portfolio Servicing, In
        408979497          Single Family Residence                          Primary                           Select Portfolio Servicing, In
        408979499          Condo                                            Primary                           Select Portfolio Servicing, In
        408979502          Single Family Residence                          Primary                           Select Portfolio Servicing, In
        408979505          2-4 Family                                       Primary                           Select Portfolio Servicing, In
        408979513          Single Family Residence                          Primary                           Select Portfolio Servicing, In
        408979514          Single Family Residence                          Primary                           Select Portfolio Servicing, In
        408979515          Single Family Residence                          Primary                           Select Portfolio Servicing, In
        408979516          2-4 Family                                       Primary                           Select Portfolio Servicing, In
        408979518          Single Family Residence                          Primary                           Select Portfolio Servicing, In
        408979523          Single Family Residence                          Primary                           Select Portfolio Servicing, In
        408979524          Single Family Residence                          Primary                           Select Portfolio Servicing, In
        408979525          Single Family Residence                          Primary                           Select Portfolio Servicing, In
        408979526          Single Family Residence                          Primary                           Select Portfolio Servicing, In
        408979527          Single Family Residence                          Primary                           Select Portfolio Servicing, In
        408979531          PUD                                              Primary                           Select Portfolio Servicing, In
        408979534          2-4 Family                                       Primary                           Select Portfolio Servicing, In
        408979539          PUD                                              Primary                           Select Portfolio Servicing, In
        408979540          Single Family Residence                          Investment                        Select Portfolio Servicing, In
        408979543          2-4 Family                                       Primary                           Select Portfolio Servicing, In
        408979544          2-4 Family                                       Primary                           Select Portfolio Servicing, In
        408979545          Condo                                            Primary                           Select Portfolio Servicing, In
        408979547          Single Family Residence                          Primary                           Select Portfolio Servicing, In
        408979549          Single Family Residence                          Primary                           Select Portfolio Servicing, In
        408979550          Single Family Residence                          Primary                           Select Portfolio Servicing, In
        408979552          PUD                                              Primary                           Select Portfolio Servicing, In
        408979555          Condo                                            Primary                           Select Portfolio Servicing, In
        408979556          Single Family Residence                          Primary                           Select Portfolio Servicing, In
        408979557          Single Family Residence                          Primary                           Select Portfolio Servicing, In
        408979559          Single Family Residence                          Primary                           Select Portfolio Servicing, In
        408979561          Single Family Residence                          Primary                           Select Portfolio Servicing, In
        408979564          PUD                                              Primary                           Select Portfolio Servicing, In
        408979566          Single Family Residence                          Primary                           Select Portfolio Servicing, In
        408979567          Condo                                            Primary                           Select Portfolio Servicing, In
        408979569          2-4 Family                                       Primary                           Select Portfolio Servicing, In
        408979571          2-4 Family                                       Primary                           Select Portfolio Servicing, In
        408979572          Single Family Residence                          Primary                           Select Portfolio Servicing, In
        408979573          Condo                                            Primary                           Select Portfolio Servicing, In
        408979576          PUD                                              Primary                           Select Portfolio Servicing, In
        408979577          Single Family Residence                          Primary                           Select Portfolio Servicing, In
        408979579          Single Family Residence                          Primary                           Select Portfolio Servicing, In
        408979585          Single Family Residence                          Primary                           Select Portfolio Servicing, In
        408979586          Single Family Residence                          Primary                           Select Portfolio Servicing, In
        408979590          Single Family Residence                          Primary                           Select Portfolio Servicing, In
        408979591          2-4 Family                                       Primary                           Select Portfolio Servicing, In
        408979593          PUD                                              Primary                           Select Portfolio Servicing, In
        408979597          Single Family Residence                          Primary                           Select Portfolio Servicing, In
        408979598          Condo                                            Primary                           Select Portfolio Servicing, In
        408979599          2-4 Family                                       Primary                           Select Portfolio Servicing, In
        408979601          Single Family Residence                          Primary                           Select Portfolio Servicing, In
        408979602          PUD                                              Primary                           Select Portfolio Servicing, In
        408979604          Single Family Residence                          Primary                           Select Portfolio Servicing, In
        408979605          Single Family Residence                          Primary                           Select Portfolio Servicing, In
        408979607          Single Family Residence                          Primary                           Select Portfolio Servicing, In
        408979608          2-4 Family                                       Primary                           Select Portfolio Servicing, In
        408979609          Single Family Residence                          Primary                           Select Portfolio Servicing, In
        408979610          Single Family Residence                          Primary                           Select Portfolio Servicing, In
        408979612          Single Family Residence                          Primary                           Select Portfolio Servicing, In
        408979613          Single Family Residence                          Primary                           Select Portfolio Servicing, In
        408979615          Single Family Residence                          Primary                           Select Portfolio Servicing, In
        408979618          2-4 Family                                       Primary                           Select Portfolio Servicing, In
        408979620          Single Family Residence                          Primary                           Select Portfolio Servicing, In
        408979621          Single Family Residence                          Primary                           Select Portfolio Servicing, In
        408979623          2-4 Family                                       Primary                           Select Portfolio Servicing, In
        408979629          Condo                                            Primary                           Select Portfolio Servicing, In
        408979630          Single Family Residence                          Primary                           Select Portfolio Servicing, In
        408979631          PUD                                              Primary                           Select Portfolio Servicing, In
        408979633          2-4 Family                                       Primary                           Select Portfolio Servicing, In
        408979634          2-4 Family                                       Primary                           Select Portfolio Servicing, In
        408979636          Single Family Residence                          Primary                           Select Portfolio Servicing, In
        408979638          Single Family Residence                          Primary                           Select Portfolio Servicing, In
        408979639          Single Family Residence                          Primary                           Select Portfolio Servicing, In
        408979641          Single Family Residence                          Primary                           Select Portfolio Servicing, In
        408979643          Single Family Residence                          Primary                           Select Portfolio Servicing, In
        408979648          PUD                                              Primary                           Select Portfolio Servicing, In
        408979649          Condo                                            Primary                           Select Portfolio Servicing, In
        408979650          Single Family Residence                          Primary                           Select Portfolio Servicing, In
        408979653          Single Family Residence                          Primary                           Select Portfolio Servicing, In
        408979654          Single Family Residence                          Primary                           Select Portfolio Servicing, In
        408979655          Single Family Residence                          Primary                           Select Portfolio Servicing, In
        408979659          PUD                                              Primary                           Select Portfolio Servicing, In
        408979660          Single Family Residence                          Primary                           Select Portfolio Servicing, In
        408979661          Condo                                            Primary                           Select Portfolio Servicing, In
        408979663          Single Family Residence                          Primary                           Select Portfolio Servicing, In
        408979665          Single Family Residence                          Primary                           Select Portfolio Servicing, In
        408979667          Single Family Residence                          Primary                           Select Portfolio Servicing, In
        408979668          Single Family Residence                          Primary                           Select Portfolio Servicing, In
        408979669          Condo                                            Primary                           Select Portfolio Servicing, In
        408979671          Single Family Residence                          Primary                           Select Portfolio Servicing, In
        408979672          Single Family Residence                          Primary                           Select Portfolio Servicing, In
        408979673          Single Family Residence                          Primary                           Select Portfolio Servicing, In
        408979674          2-4 Family                                       Primary                           Select Portfolio Servicing, In
        408979682          Single Family Residence                          Primary                           Select Portfolio Servicing, In
        408979683          Condo                                            Primary                           Select Portfolio Servicing, In
        408979684          2-4 Family                                       Primary                           Select Portfolio Servicing, In
        408979685          Condo                                            Primary                           Select Portfolio Servicing, In
        408979686          Single Family Residence                          Primary                           Select Portfolio Servicing, In
        408979687          Single Family Residence                          Primary                           Select Portfolio Servicing, In
        408979688          Condo                                            Primary                           Select Portfolio Servicing, In
        408979691          Single Family Residence                          Primary                           Select Portfolio Servicing, In
        408979693          Single Family Residence                          Primary                           Select Portfolio Servicing, In
        408979694          2-4 Family                                       Primary                           Select Portfolio Servicing, In
        408979696          PUD                                              Primary                           Select Portfolio Servicing, In
        408979697          Single Family Residence                          Primary                           Select Portfolio Servicing, In
        408979699          Single Family Residence                          Secondary                         Select Portfolio Servicing, In
        408979701          Single Family Residence                          Primary                           Select Portfolio Servicing, In
        408979702          Single Family Residence                          Primary                           Select Portfolio Servicing, In
        408979703          Single Family Residence                          Primary                           Select Portfolio Servicing, In
        408979704          Single Family Residence                          Primary                           Select Portfolio Servicing, In
        408979705          Single Family Residence                          Primary                           Select Portfolio Servicing, In
        408979706          PUD                                              Primary                           Select Portfolio Servicing, In
        408979709          Single Family Residence                          Primary                           Select Portfolio Servicing, In
        408979710          Single Family Residence                          Primary                           Select Portfolio Servicing, In
        408979714          PUD                                              Primary                           Select Portfolio Servicing, In
        408979716          Single Family Residence                          Primary                           Select Portfolio Servicing, In
        408979722          Single Family Residence                          Primary                           Select Portfolio Servicing, In
        408979724          Single Family Residence                          Primary                           Select Portfolio Servicing, In
        408979725          Single Family Residence                          Primary                           Select Portfolio Servicing, In
        408979726          Single Family Residence                          Primary                           Select Portfolio Servicing, In
        408979730          PUD                                              Primary                           Select Portfolio Servicing, In
        408979731          Single Family Residence                          Primary                           Select Portfolio Servicing, In
        408979732          PUD                                              Primary                           Select Portfolio Servicing, In
        408979737          2-4 Family                                       Primary                           Select Portfolio Servicing, In
        408979738          2-4 Family                                       Primary                           Select Portfolio Servicing, In
        408979739          PUD                                              Primary                           Select Portfolio Servicing, In
        408979741          Single Family Residence                          Primary                           Select Portfolio Servicing, In
        408979743          Single Family Residence                          Primary                           Select Portfolio Servicing, In
        408979745          2-4 Family                                       Primary                           Select Portfolio Servicing, In
        408979746          Condo                                            Primary                           Select Portfolio Servicing, In
        408979747          2-4 Family                                       Primary                           Select Portfolio Servicing, In
        408979749          PUD                                              Primary                           Select Portfolio Servicing, In
        408979751          Condo                                            Primary                           Select Portfolio Servicing, In
        408979753          Single Family Residence                          Primary                           Select Portfolio Servicing, In
        408979756          Condo                                            Primary                           Select Portfolio Servicing, In
        408979757          PUD                                              Primary                           Select Portfolio Servicing, In
        408979758          Condo                                            Primary                           Select Portfolio Servicing, In
        408979759          2-4 Family                                       Primary                           Select Portfolio Servicing, In
        408979761          Single Family Residence                          Primary                           Select Portfolio Servicing, In
        408979762          Condo                                            Primary                           Select Portfolio Servicing, In
        408979763          Single Family Residence                          Primary                           Select Portfolio Servicing, In
        408979764          Single Family Residence                          Primary                           Select Portfolio Servicing, In
        408979771          Single Family Residence                          Primary                           Select Portfolio Servicing, In
        408979772          Single Family Residence                          Primary                           Select Portfolio Servicing, In
        408979774          Single Family Residence                          Primary                           Select Portfolio Servicing, In
        408979775          Condo                                            Primary                           Select Portfolio Servicing, In
        408979776          Single Family Residence                          Primary                           Select Portfolio Servicing, In
        408979777          Single Family Residence                          Primary                           Select Portfolio Servicing, In
        408979784          Single Family Residence                          Primary                           Select Portfolio Servicing, In
        408979785          Single Family Residence                          Primary                           Select Portfolio Servicing, In
        408979786          Single Family Residence                          Primary                           Select Portfolio Servicing, In
        408979787          Single Family Residence                          Primary                           Select Portfolio Servicing, In
        408979790          Single Family Residence                          Primary                           Select Portfolio Servicing, In
        408979794          Single Family Residence                          Primary                           Select Portfolio Servicing, In
        408979795          2-4 Family                                       Primary                           Select Portfolio Servicing, In
        408979796          Single Family Residence                          Primary                           Select Portfolio Servicing, In
        408979797          Single Family Residence                          Primary                           Select Portfolio Servicing, In
        408979798          PUD                                              Primary                           Select Portfolio Servicing, In
        408979799          Condo                                            Primary                           Select Portfolio Servicing, In
        408979802          Condo                                            Primary                           Select Portfolio Servicing, In
        408979804          PUD                                              Primary                           Select Portfolio Servicing, In
        408979805          2-4 Family                                       Primary                           Select Portfolio Servicing, In
        408979806          Single Family Residence                          Primary                           Select Portfolio Servicing, In
        408979807          Condo                                            Primary                           Select Portfolio Servicing, In
        408979810          Single Family Residence                          Primary                           Select Portfolio Servicing, In
        408979812          Single Family Residence                          Primary                           Select Portfolio Servicing, In
        408979813          Condo                                            Primary                           Select Portfolio Servicing, In
        408979815          Single Family Residence                          Primary                           Select Portfolio Servicing, In
        408979816          2-4 Family                                       Primary                           Select Portfolio Servicing, In
        408979818          PUD                                              Primary                           Select Portfolio Servicing, In
        408979819          Single Family Residence                          Primary                           Select Portfolio Servicing, In
        408979820          Condo                                            Primary                           Select Portfolio Servicing, In
        408979822          Single Family Residence                          Primary                           Select Portfolio Servicing, In
        408979823          Single Family Residence                          Primary                           Select Portfolio Servicing, In
        408979824          Single Family Residence                          Primary                           Select Portfolio Servicing, In
        408979825          Single Family Residence                          Primary                           Select Portfolio Servicing, In
        408979826          Condo                                            Primary                           Select Portfolio Servicing, In
        408979829          Condo                                            Primary                           Select Portfolio Servicing, In
        408979830          2-4 Family                                       Primary                           Select Portfolio Servicing, In
        408979833          Single Family Residence                          Primary                           Select Portfolio Servicing, In
        408979835          Single Family Residence                          Primary                           Select Portfolio Servicing, In
        408979836          Single Family Residence                          Primary                           Select Portfolio Servicing, In
        408979839          Single Family Residence                          Primary                           Select Portfolio Servicing, In
        408979840          Condo                                            Primary                           Select Portfolio Servicing, In
        408979842          2-4 Family                                       Primary                           Select Portfolio Servicing, In
        408979843          PUD                                              Primary                           Select Portfolio Servicing, In
        408979844          Single Family Residence                          Primary                           Select Portfolio Servicing, In
        408979847          Single Family Residence                          Primary                           Select Portfolio Servicing, In
        408979850          Single Family Residence                          Primary                           Select Portfolio Servicing, In
        408979851          Single Family Residence                          Primary                           Select Portfolio Servicing, In
        408979852          PUD                                              Primary                           Select Portfolio Servicing, In
        408979855          Single Family Residence                          Primary                           Select Portfolio Servicing, In
        408979862          Single Family Residence                          Primary                           Select Portfolio Servicing, In
        408979863          Single Family Residence                          Primary                           Select Portfolio Servicing, In
        408979864          PUD                                              Primary                           Select Portfolio Servicing, In
        408979865          Condo                                            Primary                           Select Portfolio Servicing, In
        408979866          Single Family Residence                          Primary                           Select Portfolio Servicing, In
        408979867          PUD                                              Primary                           Select Portfolio Servicing, In
        408979868          PUD                                              Primary                           Select Portfolio Servicing, In
        408979869          Single Family Residence                          Primary                           Select Portfolio Servicing, In
        408979872          2-4 Family                                       Primary                           Select Portfolio Servicing, In
        408979873          Single Family Residence                          Primary                           Select Portfolio Servicing, In
        408979874          Single Family Residence                          Primary                           Select Portfolio Servicing, In
        408979876          Single Family Residence                          Primary                           Select Portfolio Servicing, In
        408979877          Single Family Residence                          Primary                           Select Portfolio Servicing, In
        408979879          PUD                                              Primary                           Select Portfolio Servicing, In
        408979880          Single Family Residence                          Primary                           Select Portfolio Servicing, In
        408979881          Single Family Residence                          Primary                           Select Portfolio Servicing, In
        408979883          Single Family Residence                          Primary                           Select Portfolio Servicing, In
        408979887          Condo                                            Primary                           Select Portfolio Servicing, In
        408979888          Single Family Residence                          Primary                           Select Portfolio Servicing, In
        408979892          Single Family Residence                          Primary                           Select Portfolio Servicing, In
        408979893          Single Family Residence                          Primary                           Select Portfolio Servicing, In
        408979894          Single Family Residence                          Primary                           Select Portfolio Servicing, In
        408979896          PUD                                              Primary                           Select Portfolio Servicing, In
        408979898          PUD                                              Primary                           Select Portfolio Servicing, In
        408979899          2-4 Family                                       Primary                           Select Portfolio Servicing, In
        408979900          PUD                                              Primary                           Select Portfolio Servicing, In
        408979901          Single Family Residence                          Primary                           Select Portfolio Servicing, In
        408979902          Single Family Residence                          Primary                           Select Portfolio Servicing, In
        408979904          Single Family Residence                          Primary                           Select Portfolio Servicing, In
        408979909          Condo                                            Primary                           Select Portfolio Servicing, In
        408979910          Single Family Residence                          Primary                           Select Portfolio Servicing, In
        408979912          Condo                                            Primary                           Select Portfolio Servicing, In
        408979913          Single Family Residence                          Primary                           Select Portfolio Servicing, In
        408979915          PUD                                              Primary                           Select Portfolio Servicing, In
        408979916          Condo                                            Primary                           Select Portfolio Servicing, In
        408979919          PUD                                              Primary                           Select Portfolio Servicing, In
        408979920          Single Family Residence                          Primary                           Select Portfolio Servicing, In
        408979922          Single Family Residence                          Primary                           Select Portfolio Servicing, In
        408979924          Condo                                            Primary                           Select Portfolio Servicing, In
        408979928          Single Family Residence                          Primary                           Select Portfolio Servicing, In
        408979931          Condo                                            Primary                           Select Portfolio Servicing, In
        408979932          Single Family Residence                          Primary                           Select Portfolio Servicing, In
        408979935          Condo                                            Primary                           Select Portfolio Servicing, In
        408979936          Single Family Residence                          Primary                           Select Portfolio Servicing, In
        408979939          Condo                                            Primary                           Select Portfolio Servicing, In
        408979940          Single Family Residence                          Primary                           Select Portfolio Servicing, In
        408979943          Single Family Residence                          Primary                           Select Portfolio Servicing, In
        408979945          Single Family Residence                          Primary                           Select Portfolio Servicing, In
        408979946          Single Family Residence                          Primary                           Select Portfolio Servicing, In
        408979947          Single Family Residence                          Primary                           Select Portfolio Servicing, In
        408979950          Single Family Residence                          Primary                           Select Portfolio Servicing, In
        408979951          Condo                                            Primary                           Select Portfolio Servicing, In
        408979952          2-4 Family                                       Primary                           Select Portfolio Servicing, In
        408979953          Single Family Residence                          Primary                           Select Portfolio Servicing, In
        408979956          Condo                                            Primary                           Select Portfolio Servicing, In
        408979959          Single Family Residence                          Primary                           Select Portfolio Servicing, In
        408979960          Single Family Residence                          Primary                           Select Portfolio Servicing, In
        408979961          PUD                                              Primary                           Select Portfolio Servicing, In
        408979963          PUD                                              Primary                           Select Portfolio Servicing, In
        408979967          Single Family Residence                          Primary                           Select Portfolio Servicing, In
        408979968          Single Family Residence                          Primary                           Select Portfolio Servicing, In
        408979969          Condo                                            Primary                           Select Portfolio Servicing, In
        408979970          Single Family Residence                          Primary                           Select Portfolio Servicing, In
        408979971          Single Family Residence                          Primary                           Select Portfolio Servicing, In
        408979972          Condo                                            Primary                           Select Portfolio Servicing, In
        408979973          2-4 Family                                       Primary                           Select Portfolio Servicing, In
        408979974          Single Family Residence                          Primary                           Select Portfolio Servicing, In
        408979975          Single Family Residence                          Primary                           Select Portfolio Servicing, In
        408979976          Single Family Residence                          Primary                           Select Portfolio Servicing, In
        408979978          Single Family Residence                          Primary                           Select Portfolio Servicing, In
        408979979          Condo                                            Primary                           Select Portfolio Servicing, In
        408979980          PUD                                              Primary                           Select Portfolio Servicing, In
        408979982          2-4 Family                                       Primary                           Select Portfolio Servicing, In
        408979983          Single Family Residence                          Primary                           Select Portfolio Servicing, In
        408979985          PUD                                              Primary                           Select Portfolio Servicing, In
        408979986          PUD                                              Primary                           Select Portfolio Servicing, In
        408979988          Single Family Residence                          Primary                           Select Portfolio Servicing, In
        408979989          Single Family Residence                          Primary                           Select Portfolio Servicing, In
        408979991          Single Family Residence                          Primary                           Select Portfolio Servicing, In
        408979992          Single Family Residence                          Primary                           Select Portfolio Servicing, In
        408979993          PUD                                              Primary                           Select Portfolio Servicing, In
        408979994          Single Family Residence                          Primary                           Select Portfolio Servicing, In
        408979995          Single Family Residence                          Primary                           Select Portfolio Servicing, In
        408979997          Single Family Residence                          Primary                           Select Portfolio Servicing, In
        408979998          Single Family Residence                          Primary                           Select Portfolio Servicing, In
        408980000          Single Family Residence                          Primary                           Select Portfolio Servicing, In
        408980002          Condo                                            Primary                           Select Portfolio Servicing, In
        408980003          Single Family Residence                          Primary                           Select Portfolio Servicing, In
        408980004          Single Family Residence                          Primary                           Select Portfolio Servicing, In
        408980006          Single Family Residence                          Primary                           Select Portfolio Servicing, In
        408980007          Single Family Residence                          Primary                           Select Portfolio Servicing, In
        408980009          Single Family Residence                          Primary                           Select Portfolio Servicing, In
        408980016          Single Family Residence                          Primary                           Select Portfolio Servicing, In
        408980019          Single Family Residence                          Primary                           Select Portfolio Servicing, In
        408980020          Single Family Residence                          Primary                           Select Portfolio Servicing, In
        408980022          Single Family Residence                          Primary                           Select Portfolio Servicing, In
        408980023          Single Family Residence                          Primary                           Select Portfolio Servicing, In
        408980024          PUD                                              Primary                           Select Portfolio Servicing, In
        408980027          Condo                                            Primary                           Select Portfolio Servicing, In
        408980028          Single Family Residence                          Primary                           Select Portfolio Servicing, In
        408980029          Single Family Residence                          Primary                           Select Portfolio Servicing, In
        408980030          Condo                                            Primary                           Select Portfolio Servicing, In
        408980031          Single Family Residence                          Primary                           Select Portfolio Servicing, In
        408980032          Condo                                            Primary                           Select Portfolio Servicing, In
        408980033          Single Family Residence                          Primary                           Select Portfolio Servicing, In
        408980034          Single Family Residence                          Primary                           Select Portfolio Servicing, In
        408980035          Single Family Residence                          Primary                           Select Portfolio Servicing, In
        408980036          Single Family Residence                          Primary                           Select Portfolio Servicing, In
        408980038          2-4 Family                                       Primary                           Select Portfolio Servicing, In
        408980040          Single Family Residence                          Primary                           Select Portfolio Servicing, In
        408980043          Single Family Residence                          Primary                           Select Portfolio Servicing, In
        408980045          Single Family Residence                          Primary                           Select Portfolio Servicing, In
        408980046          Condo                                            Primary                           Select Portfolio Servicing, In
        408980048          Single Family Residence                          Primary                           Select Portfolio Servicing, In
        408980051          Single Family Residence                          Primary                           Select Portfolio Servicing, In
        408980053          Condo                                            Primary                           Select Portfolio Servicing, In
        408980054          Single Family Residence                          Primary                           Select Portfolio Servicing, In
        408980055          Condo                                            Primary                           Select Portfolio Servicing, In
        408980056          Condo                                            Primary                           Select Portfolio Servicing, In
        408980057          2-4 Family                                       Primary                           Select Portfolio Servicing, In
        408980058          Single Family Residence                          Primary                           Select Portfolio Servicing, In
        408980060          Single Family Residence                          Primary                           Select Portfolio Servicing, In
        408980061          Condo                                            Primary                           Select Portfolio Servicing, In
        408980062          Single Family Residence                          Primary                           Select Portfolio Servicing, In
        408980064          Single Family Residence                          Primary                           Select Portfolio Servicing, In
        408980065          PUD                                              Primary                           Select Portfolio Servicing, In
        408980066          Single Family Residence                          Primary                           Select Portfolio Servicing, In
        408980067          Single Family Residence                          Primary                           Select Portfolio Servicing, In
        408980068          2-4 Family                                       Primary                           Select Portfolio Servicing, In
        408980069          Single Family Residence                          Primary                           Select Portfolio Servicing, In
        408980070          Single Family Residence                          Primary                           Select Portfolio Servicing, In
        408980071          Single Family Residence                          Primary                           Select Portfolio Servicing, In
        408980072          Single Family Residence                          Primary                           Select Portfolio Servicing, In
        408980073          PUD                                              Primary                           Select Portfolio Servicing, In
        408980075          Single Family Residence                          Primary                           Select Portfolio Servicing, In
        408980076          PUD                                              Primary                           Select Portfolio Servicing, In
        408980077          Single Family Residence                          Primary                           Select Portfolio Servicing, In
        408980079          Single Family Residence                          Primary                           Select Portfolio Servicing, In
        408980080          Single Family Residence                          Primary                           Select Portfolio Servicing, In
        408980081          2-4 Family                                       Primary                           Select Portfolio Servicing, In
        408980082          Single Family Residence                          Primary                           Select Portfolio Servicing, In
        408980083          Single Family Residence                          Primary                           Select Portfolio Servicing, In
        408980084          Single Family Residence                          Primary                           Select Portfolio Servicing, In
        408980085          PUD                                              Primary                           Select Portfolio Servicing, In
        408980087          PUD                                              Primary                           Select Portfolio Servicing, In
        408980088          Single Family Residence                          Primary                           Select Portfolio Servicing, In
        408980089          PUD                                              Primary                           Select Portfolio Servicing, In
        408980090          Condo                                            Primary                           Select Portfolio Servicing, In
        408980092          Single Family Residence                          Primary                           Select Portfolio Servicing, In
        408980094          PUD                                              Primary                           Select Portfolio Servicing, In
        408980095          PUD                                              Primary                           Select Portfolio Servicing, In
        408980096          Condo                                            Primary                           Select Portfolio Servicing, In
        408980097          Single Family Residence                          Primary                           Select Portfolio Servicing, In
        408980098          Single Family Residence                          Primary                           Select Portfolio Servicing, In
        408980102          2-4 Family                                       Primary                           Select Portfolio Servicing, In
        408980106          PUD                                              Primary                           Select Portfolio Servicing, In
        408980107          Single Family Residence                          Primary                           Select Portfolio Servicing, In
        408980108          PUD                                              Primary                           Select Portfolio Servicing, In
        408980110          2-4 Family                                       Primary                           Select Portfolio Servicing, In
        408980111          Condo                                            Primary                           Select Portfolio Servicing, In
        408980112          Single Family Residence                          Primary                           Select Portfolio Servicing, In
        408980114          2-4 Family                                       Primary                           Select Portfolio Servicing, In
        408980116          Condo                                            Primary                           Select Portfolio Servicing, In
        408980117          Single Family Residence                          Primary                           Select Portfolio Servicing, In
        408980120          PUD                                              Primary                           Select Portfolio Servicing, In
        408980121          Single Family Residence                          Primary                           Select Portfolio Servicing, In
        408980122          Single Family Residence                          Primary                           Select Portfolio Servicing, In
        408980123          Single Family Residence                          Primary                           Select Portfolio Servicing, In
        408980124          PUD                                              Primary                           Select Portfolio Servicing, In
        408980125          Single Family Residence                          Primary                           Select Portfolio Servicing, In
        408980128          Single Family Residence                          Primary                           Select Portfolio Servicing, In
        408980130          Condo                                            Primary                           Select Portfolio Servicing, In
        408980131          Single Family Residence                          Primary                           Select Portfolio Servicing, In
        408980132          PUD                                              Primary                           Select Portfolio Servicing, In
        408980135          Single Family Residence                          Primary                           Select Portfolio Servicing, In
        408980137          Single Family Residence                          Primary                           Select Portfolio Servicing, In
        408980139          Single Family Residence                          Primary                           Select Portfolio Servicing, In
        408980140          Single Family Residence                          Primary                           Select Portfolio Servicing, In
        408980141          Single Family Residence                          Primary                           Select Portfolio Servicing, In
        408980143          Single Family Residence                          Primary                           Select Portfolio Servicing, In
        408980144          Condo                                            Primary                           Select Portfolio Servicing, In
        408980145          Single Family Residence                          Primary                           Select Portfolio Servicing, In
        408980146          Single Family Residence                          Primary                           Select Portfolio Servicing, In
        408980147          Single Family Residence                          Primary                           Select Portfolio Servicing, In
        408980148          Single Family Residence                          Primary                           Select Portfolio Servicing, In
        408980149          PUD                                              Primary                           Select Portfolio Servicing, In
        408980150          PUD                                              Primary                           Select Portfolio Servicing, In
        408980151          Single Family Residence                          Primary                           Select Portfolio Servicing, In
        408980152          Single Family Residence                          Primary                           Select Portfolio Servicing, In
        408980154          PUD                                              Primary                           Select Portfolio Servicing, In
        408980156          Town House                                       Primary                           Select Portfolio Servicing, In
        408980157          2-4 Family                                       Primary                           Select Portfolio Servicing, In
        408980160          PUD                                              Primary                           Select Portfolio Servicing, In
        408980163          Single Family Residence                          Primary                           Select Portfolio Servicing, In
        408980165          Single Family Residence                          Primary                           Select Portfolio Servicing, In
        408980166          PUD                                              Primary                           Select Portfolio Servicing, In
        408980167          Single Family Residence                          Primary                           Select Portfolio Servicing, In
        408980168          Single Family Residence                          Primary                           Select Portfolio Servicing, In
        408980169          Single Family Residence                          Primary                           Select Portfolio Servicing, In
        408980170          Condo                                            Primary                           Select Portfolio Servicing, In
        408980171          Single Family Residence                          Primary                           Select Portfolio Servicing, In
        408980173          PUD                                              Primary                           Select Portfolio Servicing, In
        408980174          Single Family Residence                          Primary                           Select Portfolio Servicing, In
        408980176          PUD                                              Primary                           Select Portfolio Servicing, In
        408980177          Single Family Residence                          Primary                           Select Portfolio Servicing, In
        408980180          Single Family Residence                          Primary                           Select Portfolio Servicing, In
        408980181          PUD                                              Primary                           Select Portfolio Servicing, In
        408980185          Single Family Residence                          Primary                           Select Portfolio Servicing, In
        408980186          PUD                                              Primary                           Select Portfolio Servicing, In
        408980187          PUD                                              Primary                           Select Portfolio Servicing, In
        408980188          Single Family Residence                          Primary                           Select Portfolio Servicing, In
        408980192          Single Family Residence                          Primary                           Select Portfolio Servicing, In
        408980194          Single Family Residence                          Primary                           Select Portfolio Servicing, In
        408980196          Single Family Residence                          Primary                           Select Portfolio Servicing, In
        408980197          Single Family Residence                          Primary                           Select Portfolio Servicing, In
        408980199          Single Family Residence                          Primary                           Select Portfolio Servicing, In
        408980200          Single Family Residence                          Primary                           Select Portfolio Servicing, In
        408980201          2-4 Family                                       Primary                           Select Portfolio Servicing, In
        408980202          Single Family Residence                          Primary                           Select Portfolio Servicing, In
        408980204          2-4 Family                                       Primary                           Select Portfolio Servicing, In
        408980205          Single Family Residence                          Primary                           Select Portfolio Servicing, In
        408980206          Condo                                            Primary                           Select Portfolio Servicing, In
        408980207          Single Family Residence                          Primary                           Select Portfolio Servicing, In
        408980208          PUD                                              Primary                           Select Portfolio Servicing, In
        408980209          PUD                                              Primary                           Select Portfolio Servicing, In
        408980211          Condo                                            Primary                           Select Portfolio Servicing, In
        408980215          Single Family Residence                          Primary                           Select Portfolio Servicing, In
        408980217          Single Family Residence                          Primary                           Select Portfolio Servicing, In
        408980219          Single Family Residence                          Primary                           Select Portfolio Servicing, In
        408980220          Single Family Residence                          Primary                           Select Portfolio Servicing, In
        408980221          Single Family Residence                          Primary                           Select Portfolio Servicing, In
        408980222          Single Family Residence                          Primary                           Select Portfolio Servicing, In
        408998344          Single Family Residence                          Primary                           Select Portfolio Servicing, In
        408998346          Condo                                            Primary                           Select Portfolio Servicing, In
        408998348          Single Family Residence                          Primary                           Select Portfolio Servicing, In
        408998364          Condo                                            Primary                           Select Portfolio Servicing, In
        408998373          Single Family Residence                          Primary                           Select Portfolio Servicing, In
        408998376          2-4 Family                                       Primary                           Select Portfolio Servicing, In
        409015840          PUD                                              Primary                           Select Portfolio Servicing, In
        409015912          Single Family Residence                          Primary                           Select Portfolio Servicing, In
        409015913          PUD                                              Primary                           Select Portfolio Servicing, In
        409015916          Single Family Residence                          Primary                           Select Portfolio Servicing, In
        409015917          Single Family Residence                          Primary                           Select Portfolio Servicing, In
        409015919          Single Family Residence                          Primary                           Select Portfolio Servicing, In
        409015924          Single Family Residence                          Primary                           Select Portfolio Servicing, In
        409015925          Single Family Residence                          Primary                           Select Portfolio Servicing, In
        409015926          Condo                                            Primary                           Select Portfolio Servicing, In
        409015927          Single Family Residence                          Primary                           Select Portfolio Servicing, In
        409015928          PUD                                              Primary                           Select Portfolio Servicing, In
        409015929          PUD                                              Primary                           Select Portfolio Servicing, In
        409015930          Single Family Residence                          Primary                           Select Portfolio Servicing, In
        409030015          Single Family Residence                          Primary                           Select Portfolio Servicing, In
        409030016          Condo                                            Primary                           Select Portfolio Servicing, In
        409030020          Single Family Residence                          Primary                           Select Portfolio Servicing, In
        409030022          Single Family Residence                          Primary                           Select Portfolio Servicing, In
        409030030          Single Family Residence                          Primary                           Select Portfolio Servicing, In
        409030033          Single Family Residence                          Primary                           Select Portfolio Servicing, In
        409030035          Single Family Residence                          Primary                           Select Portfolio Servicing, In
        409030036          PUD                                              Primary                           Select Portfolio Servicing, In
        409030038          Condo                                            Primary                           Select Portfolio Servicing, In
        409039395          Condo                                            Primary                           Select Portfolio Servicing, In
        409055782          Single Family Residence                          Primary                           Select Portfolio Servicing, In
        409101756          PUD                                              Primary                           Select Portfolio Servicing, In
        409101757          2-4 Family                                       Primary                           Select Portfolio Servicing, In
        409165843          PUD                                              Primary                           Select Portfolio Servicing, In
        409165846          Single Family Residence                          Investment                        Select Portfolio Servicing, In
        409165847          Single Family Residence                          Primary                           Select Portfolio Servicing, In
        409165848          Single Family Residence                          Primary                           Select Portfolio Servicing, In
        409165849          2-4 Family                                       Primary                           Select Portfolio Servicing, In
        409165851          2-4 Family                                       Primary                           Select Portfolio Servicing, In
        409165852          Condo                                            Primary                           Select Portfolio Servicing, In
        409165853          Single Family Residence                          Primary                           Select Portfolio Servicing, In
        409165855          Condo                                            Secondary                         Select Portfolio Servicing, In
        409165856          2-4 Family                                       Investment                        Select Portfolio Servicing, In
        409165858          Single Family Residence                          Secondary                         Select Portfolio Servicing, In
        409165864          Condo                                            Secondary                         Select Portfolio Servicing, In
        409165868          Single Family Residence                          Primary                           Select Portfolio Servicing, In
        409165869          Single Family Residence                          Primary                           Select Portfolio Servicing, In
        409165871          Single Family Residence                          Primary                           Select Portfolio Servicing, In
        409165873          PUD                                              Primary                           Select Portfolio Servicing, In
        409165879          PUD                                              Primary                           Select Portfolio Servicing, In
        409165880          PUD                                              Secondary                         Select Portfolio Servicing, In
        409165882          PUD                                              Primary                           Select Portfolio Servicing, In
        409165884          PUD                                              Primary                           Select Portfolio Servicing, In
        409165887          Single Family Residence                          Primary                           Select Portfolio Servicing, In
        409165889          Single Family Residence                          Primary                           Select Portfolio Servicing, In
        409165891          Condo                                            Investment                        Select Portfolio Servicing, In
        409165892          2-4 Family                                       Primary                           Select Portfolio Servicing, In
        409165893          Single Family Residence                          Primary                           Select Portfolio Servicing, In
        409165895          PUD                                              Primary                           Select Portfolio Servicing, In
        409165897          Single Family Residence                          Primary                           Select Portfolio Servicing, In
        409165899          Single Family Residence                          Primary                           Select Portfolio Servicing, In
        409165900          Condo                                            Primary                           Select Portfolio Servicing, In
        409165901          Single Family Residence                          Primary                           Select Portfolio Servicing, In
        409165902          2-4 Family                                       Primary                           Select Portfolio Servicing, In
        409165904          2-4 Family                                       Primary                           Select Portfolio Servicing, In
        409165905          Single Family Residence                          Primary                           Select Portfolio Servicing, In
        409165907          Single Family Residence                          Primary                           Select Portfolio Servicing, In
        409165908          Single Family Residence                          Secondary                         Select Portfolio Servicing, In
        409165909          2-4 Family                                       Primary                           Select Portfolio Servicing, In
        409165910          Single Family Residence                          Primary                           Select Portfolio Servicing, In
        409165912          Single Family Residence                          Primary                           Select Portfolio Servicing, In
        409165913          PUD                                              Primary                           Select Portfolio Servicing, In
        409165915          PUD                                              Secondary                         Select Portfolio Servicing, In
        409165916          2-4 Family                                       Investment                        Select Portfolio Servicing, In
        409165917          2-4 Family                                       Investment                        Select Portfolio Servicing, In
        409165919          Condo                                            Primary                           Select Portfolio Servicing, In
        409165920          Single Family Residence                          Primary                           Select Portfolio Servicing, In
        409165921          Condo                                            Primary                           Select Portfolio Servicing, In
        409165925          2-4 Family                                       Primary                           Select Portfolio Servicing, In
        409165926          Condo                                            Secondary                         Select Portfolio Servicing, In
        409165927          Condo                                            Primary                           Select Portfolio Servicing, In
        409165929          Condo                                            Primary                           Select Portfolio Servicing, In
        409165930          Single Family Residence                          Primary                           Select Portfolio Servicing, In
        409165931          Single Family Residence                          Primary                           Select Portfolio Servicing, In
        409165932          PUD                                              Primary                           Select Portfolio Servicing, In
        409192787          Single Family Residence                          Primary                           Select Portfolio Servicing, In
        409217292          Condo                                            Primary                           Select Portfolio Servicing, In
        409217293          PUD                                              Primary                           Select Portfolio Servicing, In
        409217295          PUD                                              Primary                           Select Portfolio Servicing, In
        409217297          Condo                                            Primary                           Select Portfolio Servicing, In
        409278089          Single Family Residence                          Primary                           Select Portfolio Servicing, In
        409278090          Single Family Residence                          Primary                           Select Portfolio Servicing, In
        409278091          Single Family Residence                          Primary                           Select Portfolio Servicing, In
        409331016          Single Family Residence                          Primary                           Select Portfolio Servicing, In
        409331017          Single Family Residence                          Primary                           Select Portfolio Servicing, In
        409331018          Single Family Residence                          Primary                           Select Portfolio Servicing, In
        409331019          PUD                                              Primary                           Select Portfolio Servicing, In
        409331020          Condo                                            Primary                           Select Portfolio Servicing, In
        409331023          Single Family Residence                          Primary                           Select Portfolio Servicing, In
        409331026          Single Family Residence                          Secondary                         Select Portfolio Servicing, In
        409331028          Single Family Residence                          Investment                        Select Portfolio Servicing, In
        409331029          PUD                                              Primary                           Select Portfolio Servicing, In
        409331032          PUD                                              Primary                           Select Portfolio Servicing, In
        409331033          Single Family Residence                          Primary                           Select Portfolio Servicing, In
        409331035          Single Family Residence                          Primary                           Select Portfolio Servicing, In
        409331038          Condo                                            Primary                           Select Portfolio Servicing, In
        409331039          Single Family Residence                          Primary                           Select Portfolio Servicing, In
        409331041          Single Family Residence                          Primary                           Select Portfolio Servicing, In
        409331043          Single Family Residence                          Primary                           Select Portfolio Servicing, In
        409331045          Single Family Residence                          Primary                           Select Portfolio Servicing, In
        409331049          PUD                                              Primary                           Select Portfolio Servicing, In
        409331050          Condo                                            Primary                           Select Portfolio Servicing, In
        409331052          Single Family Residence                          Primary                           Select Portfolio Servicing, In
        409331054          Single Family Residence                          Investment                        Select Portfolio Servicing, In
        409331056          Single Family Residence                          Primary                           Select Portfolio Servicing, In
        409331057          PUD                                              Primary                           Select Portfolio Servicing, In
        409829658          Single Family Residence                          Primary                           Select Portfolio Servicing, In
        409829691          2-4 Family                                       Investment                        Select Portfolio Servicing, In
        409829708          Single Family Residence                          Primary                           Select Portfolio Servicing, In
        409829721          Single Family Residence                          Primary                           Select Portfolio Servicing, In
        409829734          PUD                                              Secondary                         Select Portfolio Servicing, In
        409829765          Single Family Residence                          Secondary                         Select Portfolio Servicing, In
        409829776          PUD                                              Secondary                         Select Portfolio Servicing, In
        409829780          Single Family Residence                          Investment                        Select Portfolio Servicing, In
        409829781          2-4 Family                                       Investment                        Select Portfolio Servicing, In
        409829793          Single Family Residence                          Investment                        Select Portfolio Servicing, In
        409829795          Single Family Residence                          Investment                        Select Portfolio Servicing, In
        409829803          Single Family Residence                          Investment                        Select Portfolio Servicing, In
        409829813          Single Family Residence                          Investment                        Select Portfolio Servicing, In
        409829814          Single Family Residence                          Investment                        Select Portfolio Servicing, In
        409829817          Single Family Residence                          Primary                           Select Portfolio Servicing, In
        409829823          Single Family Residence                          Primary                           Select Portfolio Servicing, In
        409829833          Single Family Residence                          Investment                        Select Portfolio Servicing, In
        409829840          2-4 Family                                       Investment                        Select Portfolio Servicing, In
        409829842          2-4 Family                                       Investment                        Select Portfolio Servicing, In
        409829849          Single Family Residence                          Investment                        Select Portfolio Servicing, In
        409829851          Single Family Residence                          Investment                        Select Portfolio Servicing, In
        409829865          PUD                                              Investment                        Select Portfolio Servicing, In
        409829867          PUD                                              Investment                        Select Portfolio Servicing, In
        409829870          Single Family Residence                          Investment                        Select Portfolio Servicing, In
        409829881          Single Family Residence                          Investment                        Select Portfolio Servicing, In
        409829886          Single Family Residence                          Investment                        Select Portfolio Servicing, In
        409829890          2-4 Family                                       Investment                        Select Portfolio Servicing, In
        409829898          2-4 Family                                       Investment                        Select Portfolio Servicing, In
        409829902          Single Family Residence                          Secondary                         Select Portfolio Servicing, In
        409829912          Single Family Residence                          Primary                           Select Portfolio Servicing, In
        409829913          Single Family Residence                          Investment                        Select Portfolio Servicing, In
        409829915          PUD                                              Investment                        Select Portfolio Servicing, In
        409829920          2-4 Family                                       Investment                        Select Portfolio Servicing, In
        409829924          Single Family Residence                          Investment                        Select Portfolio Servicing, In
        409829926          Single Family Residence                          Secondary                         Select Portfolio Servicing, In
        409829935          Single Family Residence                          Investment                        Select Portfolio Servicing, In
        409829964          Single Family Residence                          Investment                        Select Portfolio Servicing, In
        409829966          PUD                                              Investment                        Select Portfolio Servicing, In
        409829967          Condo                                            Primary                           Select Portfolio Servicing, In
        409829970          2-4 Family                                       Investment                        Select Portfolio Servicing, In
        409829995          2-4 Family                                       Investment                        Select Portfolio Servicing, In
        409830001          PUD                                              Investment                        Select Portfolio Servicing, In
        409830005          Single Family Residence                          Investment                        Select Portfolio Servicing, In
        409830025          Condo                                            Primary                           Select Portfolio Servicing, In
        409830038          PUD                                              Investment                        Select Portfolio Servicing, In
        409830046          2-4 Family                                       Investment                        Select Portfolio Servicing, In
        409830067          Single Family Residence                          Investment                        Select Portfolio Servicing, In
        409830079          Single Family Residence                          Investment                        Select Portfolio Servicing, In
        409830094          2-4 Family                                       Investment                        Select Portfolio Servicing, In
        409830098          PUD                                              Investment                        Select Portfolio Servicing, In
        409830103          Single Family Residence                          Investment                        Select Portfolio Servicing, In
        409830105          Single Family Residence                          Investment                        Select Portfolio Servicing, In
        409830108          Single Family Residence                          Investment                        Select Portfolio Servicing, In
        409830120          PUD                                              Investment                        Select Portfolio Servicing, In
        409830121          PUD                                              Investment                        Select Portfolio Servicing, In
        409830164          PUD                                              Primary                           Select Portfolio Servicing, In
        409830200          Single Family Residence                          Investment                        Select Portfolio Servicing, In
        409830265          Single Family Residence                          Primary                           Select Portfolio Servicing, In
        500858626          Single Family Residence                          Primary                           Select Portfolio Servicing, In
        500858627          PUD                                              Primary                           Select Portfolio Servicing, In
        500858628          Single Family Residence                          Primary                           Select Portfolio Servicing, In
        500858629          Single Family Residence                          Primary                           Select Portfolio Servicing, In
        500858630          2-4 Family                                       Primary                           Select Portfolio Servicing, In
        500858632          Single Family Residence                          Primary                           Select Portfolio Servicing, In
        500858633          Single Family Residence                          Primary                           Select Portfolio Servicing, In
        500858637          PUD                                              Primary                           Select Portfolio Servicing, In
        500858638          Single Family Residence                          Primary                           Select Portfolio Servicing, In
        500858639          PUD                                              Primary                           Select Portfolio Servicing, In
        500858640          Single Family Residence                          Primary                           Select Portfolio Servicing, In
        500858641          Single Family Residence                          Primary                           Select Portfolio Servicing, In
        500858642          Single Family Residence                          Primary                           Select Portfolio Servicing, In
        500858643          Single Family Residence                          Primary                           Select Portfolio Servicing, In
        500858644          Single Family Residence                          Primary                           Select Portfolio Servicing, In
        500858645          PUD                                              Primary                           Select Portfolio Servicing, In
        500858646          PUD                                              Primary                           Select Portfolio Servicing, In
        500858647          PUD                                              Primary                           Select Portfolio Servicing, In
        500858649          2-4 Family                                       Primary                           Select Portfolio Servicing, In
        500858650          Single Family Residence                          Primary                           Select Portfolio Servicing, In
        500858651          Single Family Residence                          Primary                           Select Portfolio Servicing, In
        500858652          Single Family Residence                          Primary                           Select Portfolio Servicing, In
        700299053          Single Family Residence                          Investment                        Select Portfolio Servicing, In
        700318028          PUD                                              Investment                        Select Portfolio Servicing, In
        700326214          2-4 Family                                       Primary                           Select Portfolio Servicing, In
        700327527          PUD                                              Primary                           Select Portfolio Servicing, In
        700339987          Condo                                            Primary                           Select Portfolio Servicing, In
        700343773          Condo                                            Investment                        Select Portfolio Servicing, In
        700344182          Single Family Residence                          Investment                        Select Portfolio Servicing, In
        700351638          Single Family Residence                          Primary                           Select Portfolio Servicing, In
        700352804          Condo                                            Primary                           Select Portfolio Servicing, In
        700354084          Condo                                            Primary                           Select Portfolio Servicing, In
        700354095          2-4 Family                                       Primary                           Select Portfolio Servicing, In
        700355962          PUD                                              Primary                           Select Portfolio Servicing, In
        700356955          2-4 Family                                       Investment                        Select Portfolio Servicing, In
        700358202          Single Family Residence                          Primary                           Select Portfolio Servicing, In
        700358373          Single Family Residence                          Primary                           Select Portfolio Servicing, In
        700359651          2-4 Family                                       Primary                           Select Portfolio Servicing, In
        700361363          PUD                                              Investment                        Select Portfolio Servicing, In
        700362395          PUD                                              Primary                           Select Portfolio Servicing, In
        700364671          Co-op                                            Primary                           Select Portfolio Servicing, In
        700364974          2-4 Family                                       Investment                        Select Portfolio Servicing, In
        700365923          2-4 Family                                       Investment                        Select Portfolio Servicing, In
        700367115          Single Family Residence                          Investment                        Select Portfolio Servicing, In
        700367519          Condo                                            Primary                           Select Portfolio Servicing, In
        700369212          Condo                                            Primary                           Select Portfolio Servicing, In
        700369468          Condo                                            Primary                           Select Portfolio Servicing, In
        700370063          Single Family Residence                          Primary                           Select Portfolio Servicing, In
        700370100          Single Family Residence                          Primary                           Select Portfolio Servicing, In
        700370306          Single Family Residence                          Primary                           Select Portfolio Servicing, In
        700370526          Single Family Residence                          Primary                           Select Portfolio Servicing, In
        700371292          Condo                                            Primary                           Select Portfolio Servicing, In
        700371317          2-4 Family                                       Primary                           Select Portfolio Servicing, In
        700371692          Single Family Residence                          Primary                           Select Portfolio Servicing, In
        700371817          Condo                                            Investment                        Select Portfolio Servicing, In
        700372419          Single Family Residence                          Primary                           Select Portfolio Servicing, In
        700372482          PUD                                              Investment                        Select Portfolio Servicing, In
        700374401          Single Family Residence                          Investment                        Select Portfolio Servicing, In
        700374827          Single Family Residence                          Primary                           Select Portfolio Servicing, In
        700374850          Single Family Residence                          Primary                           Select Portfolio Servicing, In
        700375603          Single Family Residence                          Primary                           Select Portfolio Servicing, In
        700376684          2-4 Family                                       Primary                           Select Portfolio Servicing, In
        700376954          2-4 Family                                       Primary                           Select Portfolio Servicing, In
        700377268          2-4 Family                                       Primary                           Select Portfolio Servicing, In
        700377523          2-4 Family                                       Primary                           Select Portfolio Servicing, In
        700377544          Single Family Residence                          Primary                           Select Portfolio Servicing, In
        700378087          Single Family Residence                          Primary                           Select Portfolio Servicing, In
        700378316          Condo                                            Primary                           Select Portfolio Servicing, In
        700378485          Single Family Residence                          Primary                           Select Portfolio Servicing, In
        700378509          Single Family Residence                          Primary                           Select Portfolio Servicing, In
        700379105          2-4 Family                                       Primary                           Select Portfolio Servicing, In
        700379190          2-4 Family                                       Primary                           Select Portfolio Servicing, In
        700379390          2-4 Family                                       Primary                           Select Portfolio Servicing, In
        700379567          Single Family Residence                          Primary                           Select Portfolio Servicing, In
        700379687          Single Family Residence                          Primary                           Select Portfolio Servicing, In
        700379796          Condo                                            Primary                           Select Portfolio Servicing, In
        700379946          Condo                                            Investment                        Select Portfolio Servicing, In
        700380223          2-4 Family                                       Primary                           Select Portfolio Servicing, In
        700380602          2-4 Family                                       Primary                           Select Portfolio Servicing, In
        700381296          2-4 Family                                       Primary                           Select Portfolio Servicing, In
        700381522          PUD                                              Primary                           Select Portfolio Servicing, In
        700382045          Single Family Residence                          Primary                           Select Portfolio Servicing, In
        700382200          Single Family Residence                          Primary                           Select Portfolio Servicing, In
        700382404          Single Family Residence                          Primary                           Select Portfolio Servicing, In
        700382576          Single Family Residence                          Primary                           Select Portfolio Servicing, In
        700382616          Single Family Residence                          Primary                           Select Portfolio Servicing, In
        700382765          PUD                                              Primary                           Select Portfolio Servicing, In
        700383200          PUD                                              Primary                           Select Portfolio Servicing, In
        700383211          2-4 Family                                       Primary                           Select Portfolio Servicing, In
        700383472          Condo                                            Secondary                         Select Portfolio Servicing, In
        700383489          2-4 Family                                       Investment                        Select Portfolio Servicing, In
        700383502          2-4 Family                                       Primary                           Select Portfolio Servicing, In
        700383893          2-4 Family                                       Investment                        Select Portfolio Servicing, In
        700383977          Single Family Residence                          Primary                           Select Portfolio Servicing, In
        700384101          PUD                                              Primary                           Select Portfolio Servicing, In
        700384298          Single Family Residence                          Primary                           Select Portfolio Servicing, In
        700384750          Condo                                            Investment                        Select Portfolio Servicing, In
        700384803          Single Family Residence                          Primary                           Select Portfolio Servicing, In
        700384836          Condo                                            Primary                           Select Portfolio Servicing, In
        700385273          Single Family Residence                          Primary                           Select Portfolio Servicing, In
        700385390          PUD                                              Primary                           Select Portfolio Servicing, In
        700385455          2-4 Family                                       Primary                           Select Portfolio Servicing, In
        700385462          Single Family Residence                          Primary                           Select Portfolio Servicing, In
        700385725          Condo                                            Secondary                         Select Portfolio Servicing, In
        700385741          Single Family Residence                          Primary                           Select Portfolio Servicing, In
        700385929          Single Family Residence                          Primary                           Select Portfolio Servicing, In
        700385934          2-4 Family                                       Primary                           Select Portfolio Servicing, In
        700385937          Single Family Residence                          Primary                           Select Portfolio Servicing, In
        700386120          Single Family Residence                          Primary                           Select Portfolio Servicing, In
        700386175          PUD                                              Primary                           Select Portfolio Servicing, In
        700386350          2-4 Family                                       Investment                        Select Portfolio Servicing, In
        700386363          Condo                                            Primary                           Select Portfolio Servicing, In
        700386471          2-4 Family                                       Primary                           Select Portfolio Servicing, In
        700386564          PUD                                              Primary                           Select Portfolio Servicing, In
        700386731          Single Family Residence                          Primary                           Select Portfolio Servicing, In
        700386741          PUD                                              Investment                        Select Portfolio Servicing, In
        700386871          2-4 Family                                       Primary                           Select Portfolio Servicing, In
        700386887          Condo                                            Investment                        Select Portfolio Servicing, In
        700387012          2-4 Family                                       Primary                           Select Portfolio Servicing, In
        700387029          PUD                                              Primary                           Select Portfolio Servicing, In
        700387140          2-4 Family                                       Investment                        Select Portfolio Servicing, In
        700387288          Single Family Residence                          Primary                           Select Portfolio Servicing, In
        700387384          2-4 Family                                       Primary                           Select Portfolio Servicing, In
        700387385          PUD                                              Investment                        Select Portfolio Servicing, In
        700387621          Single Family Residence                          Primary                           Select Portfolio Servicing, In
        700387639          PUD                                              Investment                        Select Portfolio Servicing, In
        700387662          PUD                                              Investment                        Select Portfolio Servicing, In
        700387754          Condo                                            Primary                           Select Portfolio Servicing, In
        700387815          Single Family Residence                          Primary                           Select Portfolio Servicing, In
        700388007          Single Family Residence                          Primary                           Select Portfolio Servicing, In
        700388060          2-4 Family                                       Primary                           Select Portfolio Servicing, In
        700388083          2-4 Family                                       Investment                        Select Portfolio Servicing, In
        700388207          PUD                                              Primary                           Select Portfolio Servicing, In
        700388371          Single Family Residence                          Primary                           Select Portfolio Servicing, In
        700388388          PUD                                              Primary                           Select Portfolio Servicing, In
        700388490          2-4 Family                                       Investment                        Select Portfolio Servicing, In
        700388694          Single Family Residence                          Primary                           Select Portfolio Servicing, In
        700388696          PUD                                              Investment                        Select Portfolio Servicing, In
        700388801          Single Family Residence                          Primary                           Select Portfolio Servicing, In
        700388867          2-4 Family                                       Primary                           Select Portfolio Servicing, In
        700388965          Single Family Residence                          Primary                           Select Portfolio Servicing, In
        700389006          PUD                                              Primary                           Select Portfolio Servicing, In
        700389039          Single Family Residence                          Primary                           Select Portfolio Servicing, In
        700389042          2-4 Family                                       Primary                           Select Portfolio Servicing, In
        700389137          Single Family Residence                          Primary                           Select Portfolio Servicing, In
        700389290          Single Family Residence                          Primary                           Select Portfolio Servicing, In
        700389316          Single Family Residence                          Primary                           Select Portfolio Servicing, In
        700389320          Condo                                            Primary                           Select Portfolio Servicing, In
        700389346          Single Family Residence                          Primary                           Select Portfolio Servicing, In
        700389682          Single Family Residence                          Primary                           Select Portfolio Servicing, In
        700389834          2-4 Family                                       Primary                           Select Portfolio Servicing, In
        700389876          Single Family Residence                          Primary                           Select Portfolio Servicing, In
        700389959          PUD                                              Primary                           Select Portfolio Servicing, In
        700389983          Single Family Residence                          Primary                           Select Portfolio Servicing, In
        700390000          PUD                                              Investment                        Select Portfolio Servicing, In
        700390030          Condo                                            Secondary                         Select Portfolio Servicing, In
        700390087          Single Family Residence                          Primary                           Select Portfolio Servicing, In
        700390101          Single Family Residence                          Primary                           Select Portfolio Servicing, In
        700390194          Single Family Residence                          Primary                           Select Portfolio Servicing, In
        700390288          Single Family Residence                          Primary                           Select Portfolio Servicing, In
        700390464          Single Family Residence                          Primary                           Select Portfolio Servicing, In
        700390508          Single Family Residence                          Investment                        Select Portfolio Servicing, In
        700390512          2-4 Family                                       Investment                        Select Portfolio Servicing, In
        700390629          Single Family Residence                          Primary                           Select Portfolio Servicing, In
        700390677          Single Family Residence                          Primary                           Select Portfolio Servicing, In
        700390728          Single Family Residence                          Primary                           Select Portfolio Servicing, In
        700391171          Single Family Residence                          Primary                           Select Portfolio Servicing, In
        700391266          2-4 Family                                       Investment                        Select Portfolio Servicing, In
        700391295          Single Family Residence                          Primary                           Select Portfolio Servicing, In
        700391346          Condo                                            Primary                           Select Portfolio Servicing, In
        700391406          Single Family Residence                          Primary                           Select Portfolio Servicing, In
        700391433          Single Family Residence                          Investment                        Select Portfolio Servicing, In
        700391435          Single Family Residence                          Primary                           Select Portfolio Servicing, In
        700391512          Condo                                            Primary                           Select Portfolio Servicing, In
        700391523          Single Family Residence                          Investment                        Select Portfolio Servicing, In
        700391602          PUD                                              Investment                        Select Portfolio Servicing, In
        700391617          Single Family Residence                          Investment                        Select Portfolio Servicing, In
        700391754          Single Family Residence                          Primary                           Select Portfolio Servicing, In
        700391960          2-4 Family                                       Investment                        Select Portfolio Servicing, In
        700392015          Single Family Residence                          Primary                           Select Portfolio Servicing, In
        700392076          PUD                                              Primary                           Select Portfolio Servicing, In
        700392136          Single Family Residence                          Primary                           Select Portfolio Servicing, In
        700392165          Condo                                            Primary                           Select Portfolio Servicing, In
        700392174          Condo                                            Primary                           Select Portfolio Servicing, In
        700392381          Single Family Residence                          Investment                        Select Portfolio Servicing, In
        700392592          PUD                                              Primary                           Select Portfolio Servicing, In
        700392629          PUD                                              Primary                           Select Portfolio Servicing, In
        700392640          Single Family Residence                          Primary                           Select Portfolio Servicing, In
        700392716          PUD                                              Investment                        Select Portfolio Servicing, In
        700392732          Single Family Residence                          Primary                           Select Portfolio Servicing, In
        700392745          PUD                                              Investment                        Select Portfolio Servicing, In
        700392777          Single Family Residence                          Primary                           Select Portfolio Servicing, In
        700392890          2-4 Family                                       Investment                        Select Portfolio Servicing, In
        700392919          2-4 Family                                       Primary                           Select Portfolio Servicing, In
        700392990          Single Family Residence                          Primary                           Select Portfolio Servicing, In
        700393016          Single Family Residence                          Primary                           Select Portfolio Servicing, In
        700393088          Single Family Residence                          Primary                           Select Portfolio Servicing, In
        700393107          2-4 Family                                       Primary                           Select Portfolio Servicing, In
        700393146          Single Family Residence                          Primary                           Select Portfolio Servicing, In
        700393172          Single Family Residence                          Primary                           Select Portfolio Servicing, In
        700393298          Single Family Residence                          Primary                           Select Portfolio Servicing, In
        700393313          Condo                                            Investment                        Select Portfolio Servicing, In
        700393339          Single Family Residence                          Primary                           Select Portfolio Servicing, In
        700393384          Single Family Residence                          Secondary                         Select Portfolio Servicing, In
        700393529          Single Family Residence                          Primary                           Select Portfolio Servicing, In
        700393564          Single Family Residence                          Primary                           Select Portfolio Servicing, In
        700393626          PUD                                              Primary                           Select Portfolio Servicing, In
        700393724          Condo                                            Primary                           Select Portfolio Servicing, In
        700394137          Single Family Residence                          Primary                           Select Portfolio Servicing, In
        700394217          Single Family Residence                          Primary                           Select Portfolio Servicing, In
        700394222          PUD                                              Investment                        Select Portfolio Servicing, In
        700394407          Single Family Residence                          Primary                           Select Portfolio Servicing, In
        700394516          Single Family Residence                          Primary                           Select Portfolio Servicing, In
        700394521          Single Family Residence                          Primary                           Select Portfolio Servicing, In
        700394545          Single Family Residence                          Primary                           Select Portfolio Servicing, In
        700394565          2-4 Family                                       Investment                        Select Portfolio Servicing, In
        700394628          Single Family Residence                          Primary                           Select Portfolio Servicing, In
        700394710          PUD                                              Primary                           Select Portfolio Servicing, In
        700394738          Single Family Residence                          Primary                           Select Portfolio Servicing, In
        700394919          Single Family Residence                          Investment                        Select Portfolio Servicing, In
        700395093          Single Family Residence                          Primary                           Select Portfolio Servicing, In
        700395180          Condo                                            Primary                           Select Portfolio Servicing, In
        700395245          2-4 Family                                       Primary                           Select Portfolio Servicing, In
        700395421          Single Family Residence                          Primary                           Select Portfolio Servicing, In
        700395494          2-4 Family                                       Primary                           Select Portfolio Servicing, In
        700395526          Single Family Residence                          Primary                           Select Portfolio Servicing, In
        700395533          2-4 Family                                       Primary                           Select Portfolio Servicing, In
        700395746          Single Family Residence                          Primary                           Select Portfolio Servicing, In
        700395763          PUD                                              Primary                           Select Portfolio Servicing, In
        700395780          2-4 Family                                       Primary                           Select Portfolio Servicing, In
        700395811          PUD                                              Primary                           Select Portfolio Servicing, In
        700395867          Single Family Residence                          Primary                           Select Portfolio Servicing, In
        700395958          Single Family Residence                          Primary                           Select Portfolio Servicing, In
        700395984          Single Family Residence                          Primary                           Select Portfolio Servicing, In
        700396064          Condo                                            Primary                           Select Portfolio Servicing, In
        700396082          PUD                                              Primary                           Select Portfolio Servicing, In
        700396131          2-4 Family                                       Primary                           Select Portfolio Servicing, In
        700396142          Single Family Residence                          Primary                           Select Portfolio Servicing, In
        700396169          2-4 Family                                       Primary                           Select Portfolio Servicing, In
        700396189          Single Family Residence                          Primary                           Select Portfolio Servicing, In
        700396208          Single Family Residence                          Primary                           Select Portfolio Servicing, In
        700396270          PUD                                              Primary                           Select Portfolio Servicing, In
        700396303          Single Family Residence                          Primary                           Select Portfolio Servicing, In
        700396441          PUD                                              Investment                        Select Portfolio Servicing, In
        700396750          PUD                                              Secondary                         Select Portfolio Servicing, In
        700396756          Single Family Residence                          Primary                           Select Portfolio Servicing, In
        700396767          Single Family Residence                          Investment                        Select Portfolio Servicing, In
        700396906          2-4 Family                                       Primary                           Select Portfolio Servicing, In
        700397067          Single Family Residence                          Primary                           Select Portfolio Servicing, In
        700397097          2-4 Family                                       Primary                           Select Portfolio Servicing, In
        700397285          2-4 Family                                       Primary                           Select Portfolio Servicing, In
        700397360          2-4 Family                                       Investment                        Select Portfolio Servicing, In
        700397428          Single Family Residence                          Primary                           Select Portfolio Servicing, In
        700397485          PUD                                              Primary                           Select Portfolio Servicing, In
        700397566          2-4 Family                                       Primary                           Select Portfolio Servicing, In
        700397670          Single Family Residence                          Primary                           Select Portfolio Servicing, In
        700397701          Single Family Residence                          Primary                           Select Portfolio Servicing, In
        700397745          Single Family Residence                          Primary                           Select Portfolio Servicing, In
        700398256          PUD                                              Primary                           Select Portfolio Servicing, In
        700398652          2-4 Family                                       Investment                        Select Portfolio Servicing, In
        700398789          Single Family Residence                          Primary                           Select Portfolio Servicing, In
        700398846          2-4 Family                                       Primary                           Select Portfolio Servicing, In
        700399043          2-4 Family                                       Primary                           Select Portfolio Servicing, In
        700399165          2-4 Family                                       Primary                           Select Portfolio Servicing, In
        700399256          2-4 Family                                       Primary                           Select Portfolio Servicing, In
        700399306          Single Family Residence                          Primary                           Select Portfolio Servicing, In
        700399379          PUD                                              Primary                           Select Portfolio Servicing, In
        700399555          PUD                                              Primary                           Select Portfolio Servicing, In
        700399650          2-4 Family                                       Primary                           Select Portfolio Servicing, In
        700399678          Single Family Residence                          Primary                           Select Portfolio Servicing, In
        700399777          2-4 Family                                       Investment                        Select Portfolio Servicing, In
        700399863          PUD                                              Primary                           Select Portfolio Servicing, In
        700399899          PUD                                              Primary                           Select Portfolio Servicing, In
        700399982          Single Family Residence                          Primary                           Select Portfolio Servicing, In
        700400425          Single Family Residence                          Investment                        Select Portfolio Servicing, In
        700400556          PUD                                              Primary                           Select Portfolio Servicing, In
        700400873          PUD                                              Primary                           Select Portfolio Servicing, In
        700400901          Single Family Residence                          Primary                           Select Portfolio Servicing, In
        700400965          Condo                                            Investment                        Select Portfolio Servicing, In
        700401089          2-4 Family                                       Investment                        Select Portfolio Servicing, In
        700401200          2-4 Family                                       Primary                           Select Portfolio Servicing, In
        700401222          Single Family Residence                          Primary                           Select Portfolio Servicing, In
        700401302          PUD                                              Primary                           Select Portfolio Servicing, In
        700401422          Single Family Residence                          Primary                           Select Portfolio Servicing, In
        700401446          Single Family Residence                          Primary                           Select Portfolio Servicing, In
        700401455          Single Family Residence                          Primary                           Select Portfolio Servicing, In
        700401592          Single Family Residence                          Primary                           Select Portfolio Servicing, In
        700401600          Condo                                            Primary                           Select Portfolio Servicing, In
        700401782          Single Family Residence                          Primary                           Select Portfolio Servicing, In
        700401849          Single Family Residence                          Primary                           Select Portfolio Servicing, In
        700401853          Single Family Residence                          Primary                           Select Portfolio Servicing, In
        700401874          Single Family Residence                          Primary                           Select Portfolio Servicing, In
        700401920          Condo                                            Investment                        Select Portfolio Servicing, In
        700401957          Condo                                            Primary                           Select Portfolio Servicing, In
        700401961          PUD                                              Primary                           Select Portfolio Servicing, In
        700402182          PUD                                              Primary                           Select Portfolio Servicing, In
        700402265          Single Family Residence                          Primary                           Select Portfolio Servicing, In
        700402409          Single Family Residence                          Investment                        Select Portfolio Servicing, In
        700402444          Single Family Residence                          Primary                           Select Portfolio Servicing, In
        700402483          Single Family Residence                          Primary                           Select Portfolio Servicing, In
        700402529          Single Family Residence                          Investment                        Select Portfolio Servicing, In
        700402686          Single Family Residence                          Primary                           Select Portfolio Servicing, In
        700402712          Single Family Residence                          Investment                        Select Portfolio Servicing, In
        700402779          Single Family Residence                          Primary                           Select Portfolio Servicing, In
        700402786          Single Family Residence                          Primary                           Select Portfolio Servicing, In
        700402991          Single Family Residence                          Primary                           Select Portfolio Servicing, In
        700403083          Single Family Residence                          Primary                           Select Portfolio Servicing, In
        700403136          Condo                                            Secondary                         Select Portfolio Servicing, In
        700403174          2-4 Family                                       Primary                           Select Portfolio Servicing, In
        700403175          2-4 Family                                       Primary                           Select Portfolio Servicing, In
        700403225          Single Family Residence                          Primary                           Select Portfolio Servicing, In
        700403227          Single Family Residence                          Primary                           Select Portfolio Servicing, In
        700403354          2-4 Family                                       Investment                        Select Portfolio Servicing, In
        700403413          Single Family Residence                          Primary                           Select Portfolio Servicing, In
        700403488          Condo                                            Primary                           Select Portfolio Servicing, In
        700403558          PUD                                              Primary                           Select Portfolio Servicing, In
        700403568          Single Family Residence                          Primary                           Select Portfolio Servicing, In
        700403587          Single Family Residence                          Primary                           Select Portfolio Servicing, In
        700403721          2-4 Family                                       Investment                        Select Portfolio Servicing, In
        700403752          Single Family Residence                          Secondary                         Select Portfolio Servicing, In
        700403806          Single Family Residence                          Investment                        Select Portfolio Servicing, In
        700403815          Single Family Residence                          Investment                        Select Portfolio Servicing, In
        700403831          Single Family Residence                          Primary                           Select Portfolio Servicing, In
        700403876          Single Family Residence                          Primary                           Select Portfolio Servicing, In
        700404027          2-4 Family                                       Investment                        Select Portfolio Servicing, In
        700404102          PUD                                              Primary                           Select Portfolio Servicing, In
        700404318          PUD                                              Primary                           Select Portfolio Servicing, In
        700404352          Single Family Residence                          Primary                           Select Portfolio Servicing, In
        700404607          Single Family Residence                          Investment                        Select Portfolio Servicing, In
        700404641          Single Family Residence                          Primary                           Select Portfolio Servicing, In
        700404756          Single Family Residence                          Primary                           Select Portfolio Servicing, In
        700404807          2-4 Family                                       Primary                           Select Portfolio Servicing, In
        700404867          Single Family Residence                          Primary                           Select Portfolio Servicing, In
        700404897          2-4 Family                                       Investment                        Select Portfolio Servicing, In
        700404907          PUD                                              Secondary                         Select Portfolio Servicing, In
        700405023          Condo                                            Secondary                         Select Portfolio Servicing, In
        700405033          Single Family Residence                          Primary                           Select Portfolio Servicing, In
        700405038          Single Family Residence                          Primary                           Select Portfolio Servicing, In
        700405065          2-4 Family                                       Primary                           Select Portfolio Servicing, In
        700405085          Condo                                            Investment                        Select Portfolio Servicing, In
        700405104          2-4 Family                                       Primary                           Select Portfolio Servicing, In
        700405122          Single Family Residence                          Investment                        Select Portfolio Servicing, In
        700405247          Single Family Residence                          Primary                           Select Portfolio Servicing, In
        700405293          Single Family Residence                          Primary                           Select Portfolio Servicing, In
        700405347          Single Family Residence                          Primary                           Select Portfolio Servicing, In
        700405348          Single Family Residence                          Primary                           Select Portfolio Servicing, In
        700405360          2-4 Family                                       Primary                           Select Portfolio Servicing, In
        700405379          Condo                                            Primary                           Select Portfolio Servicing, In
        700405383          Single Family Residence                          Investment                        Select Portfolio Servicing, In
        700405493          Single Family Residence                          Primary                           Select Portfolio Servicing, In
        700405514          Single Family Residence                          Primary                           Select Portfolio Servicing, In
        700405760          PUD                                              Primary                           Select Portfolio Servicing, In
        700405829          2-4 Family                                       Investment                        Select Portfolio Servicing, In
        700405894          Single Family Residence                          Primary                           Select Portfolio Servicing, In
        700405947          Condo                                            Primary                           Select Portfolio Servicing, In
        700406019          Single Family Residence                          Primary                           Select Portfolio Servicing, In
        700406117          PUD                                              Primary                           Select Portfolio Servicing, In
        700406203          Single Family Residence                          Primary                           Select Portfolio Servicing, In
        700406246          Condo                                            Primary                           Select Portfolio Servicing, In
        700406248          PUD                                              Investment                        Select Portfolio Servicing, In
        700406296          Single Family Residence                          Primary                           Select Portfolio Servicing, In
        700406348          PUD                                              Primary                           Select Portfolio Servicing, In
        700406445          Single Family Residence                          Primary                           Select Portfolio Servicing, In
        700406490          Single Family Residence                          Primary                           Select Portfolio Servicing, In
        700406504          Single Family Residence                          Primary                           Select Portfolio Servicing, In
        700406525          Single Family Residence                          Primary                           Select Portfolio Servicing, In
        700406543          2-4 Family                                       Primary                           Select Portfolio Servicing, In
        700406624          Single Family Residence                          Secondary                         Select Portfolio Servicing, In
        700406727          Condo                                            Secondary                         Select Portfolio Servicing, In
        700406828          Single Family Residence                          Primary                           Select Portfolio Servicing, In
        700406856          Single Family Residence                          Primary                           Select Portfolio Servicing, In
        700407046          Single Family Residence                          Primary                           Select Portfolio Servicing, In
        700407232          Single Family Residence                          Primary                           Select Portfolio Servicing, In
        700407380          2-4 Family                                       Investment                        Select Portfolio Servicing, In
        700407416          PUD                                              Investment                        Select Portfolio Servicing, In
        700407453          Condo                                            Primary                           Select Portfolio Servicing, In
        700407664          PUD                                              Primary                           Select Portfolio Servicing, In
        700407679          Single Family Residence                          Primary                           Select Portfolio Servicing, In
        700407943          2-4 Family                                       Primary                           Select Portfolio Servicing, In
        700408006          PUD                                              Investment                        Select Portfolio Servicing, In
        700408016          2-4 Family                                       Primary                           Select Portfolio Servicing, In
        700408050          Single Family Residence                          Primary                           Select Portfolio Servicing, In
        700408177          Single Family Residence                          Primary                           Select Portfolio Servicing, In
        700408189          Condo                                            Primary                           Select Portfolio Servicing, In
        700408211          Single Family Residence                          Primary                           Select Portfolio Servicing, In
        700408269          Condo                                            Primary                           Select Portfolio Servicing, In
        700408287          Single Family Residence                          Primary                           Select Portfolio Servicing, In
        700408399          2-4 Family                                       Investment                        Select Portfolio Servicing, In
        700408415          Condo                                            Secondary                         Select Portfolio Servicing, In
        700408473          Single Family Residence                          Primary                           Select Portfolio Servicing, In
        700408509          Single Family Residence                          Primary                           Select Portfolio Servicing, In
        700408606          PUD                                              Primary                           Select Portfolio Servicing, In
        700408620          Single Family Residence                          Primary                           Select Portfolio Servicing, In
        700408643          Single Family Residence                          Investment                        Select Portfolio Servicing, In
        700408722          Single Family Residence                          Primary                           Select Portfolio Servicing, In
        700408735          2-4 Family                                       Primary                           Select Portfolio Servicing, In
        700408826          Single Family Residence                          Primary                           Select Portfolio Servicing, In
        700408876          PUD                                              Primary                           Select Portfolio Servicing, In
        700408926          2-4 Family                                       Primary                           Select Portfolio Servicing, In
        700408960          2-4 Family                                       Primary                           Select Portfolio Servicing, In
        700409139          PUD                                              Primary                           Select Portfolio Servicing, In
        700409161          Single Family Residence                          Primary                           Select Portfolio Servicing, In
        700409179          Single Family Residence                          Primary                           Select Portfolio Servicing, In
        700409187          Single Family Residence                          Investment                        Select Portfolio Servicing, In
        700409219          Single Family Residence                          Investment                        Select Portfolio Servicing, In
        700409223          PUD                                              Primary                           Select Portfolio Servicing, In
        700409375          2-4 Family                                       Primary                           Select Portfolio Servicing, In
        700409392          2-4 Family                                       Primary                           Select Portfolio Servicing, In
        700409412          2-4 Family                                       Primary                           Select Portfolio Servicing, In
        700409492          PUD                                              Investment                        Select Portfolio Servicing, In
        700409532          PUD                                              Primary                           Select Portfolio Servicing, In
        700409555          2-4 Family                                       Primary                           Select Portfolio Servicing, In
        700409607          PUD                                              Primary                           Select Portfolio Servicing, In
        700409694          Single Family Residence                          Primary                           Select Portfolio Servicing, In
        700409761          Single Family Residence                          Primary                           Select Portfolio Servicing, In
        700409870          Single Family Residence                          Primary                           Select Portfolio Servicing, In
        700409878          PUD                                              Secondary                         Select Portfolio Servicing, In
        700410021          Single Family Residence                          Primary                           Select Portfolio Servicing, In
        700410056          2-4 Family                                       Primary                           Select Portfolio Servicing, In
        700410059          Single Family Residence                          Primary                           Select Portfolio Servicing, In
        700410139          Single Family Residence                          Primary                           Select Portfolio Servicing, In
        700410298          Single Family Residence                          Primary                           Select Portfolio Servicing, In
        700410321          2-4 Family                                       Primary                           Select Portfolio Servicing, In
        700410366          Single Family Residence                          Primary                           Select Portfolio Servicing, In
        700410436          PUD                                              Primary                           Select Portfolio Servicing, In
        700410446          Single Family Residence                          Primary                           Select Portfolio Servicing, In
        700410472          Single Family Residence                          Primary                           Select Portfolio Servicing, In
        700410481          2-4 Family                                       Investment                        Select Portfolio Servicing, In
        700410485          2-4 Family                                       Investment                        Select Portfolio Servicing, In
        700410519          Single Family Residence                          Primary                           Select Portfolio Servicing, In
        700410578          PUD                                              Primary                           Select Portfolio Servicing, In
        700410661          Single Family Residence                          Primary                           Select Portfolio Servicing, In
        700410668          Single Family Residence                          Investment                        Select Portfolio Servicing, In
        700410698          Single Family Residence                          Secondary                         Select Portfolio Servicing, In
        700410723          2-4 Family                                       Primary                           Select Portfolio Servicing, In
        700410773          Single Family Residence                          Primary                           Select Portfolio Servicing, In
        700410860          Single Family Residence                          Primary                           Select Portfolio Servicing, In
        700410867          Single Family Residence                          Primary                           Select Portfolio Servicing, In
        700411014          Single Family Residence                          Primary                           Select Portfolio Servicing, In
        700411409          PUD                                              Primary                           Select Portfolio Servicing, In
        700411422          2-4 Family                                       Investment                        Select Portfolio Servicing, In
        700411435          Single Family Residence                          Primary                           Select Portfolio Servicing, In
        700411536          2-4 Family                                       Primary                           Select Portfolio Servicing, In
        700411689          PUD                                              Primary                           Select Portfolio Servicing, In
        700411727          Condo                                            Primary                           Select Portfolio Servicing, In
        700411796          Single Family Residence                          Primary                           Select Portfolio Servicing, In
        700411801          PUD                                              Primary                           Select Portfolio Servicing, In
        700411809          Single Family Residence                          Primary                           Select Portfolio Servicing, In
        700411841          2-4 Family                                       Primary                           Select Portfolio Servicing, In
        700411994          Condo                                            Primary                           Select Portfolio Servicing, In
        700412059          Single Family Residence                          Primary                           Select Portfolio Servicing, In
        700412125          2-4 Family                                       Primary                           Select Portfolio Servicing, In
        700412206          2-4 Family                                       Primary                           Select Portfolio Servicing, In
        700412272          Single Family Residence                          Primary                           Select Portfolio Servicing, In
        700412276          2-4 Family                                       Primary                           Select Portfolio Servicing, In
        700412296          Single Family Residence                          Primary                           Select Portfolio Servicing, In
        700412367          Single Family Residence                          Investment                        Select Portfolio Servicing, In
        700412391          Condo                                            Primary                           Select Portfolio Servicing, In
        700412404          Single Family Residence                          Primary                           Select Portfolio Servicing, In
        700412426          PUD                                              Investment                        Select Portfolio Servicing, In
        700412431          Single Family Residence                          Investment                        Select Portfolio Servicing, In
        700412438          Single Family Residence                          Primary                           Select Portfolio Servicing, In
        700412549          Single Family Residence                          Primary                           Select Portfolio Servicing, In
        700412600          Single Family Residence                          Investment                        Select Portfolio Servicing, In
        700412653          Single Family Residence                          Primary                           Select Portfolio Servicing, In
        700412689          Single Family Residence                          Primary                           Select Portfolio Servicing, In
        700412870          2-4 Family                                       Primary                           Select Portfolio Servicing, In
        700412891          Single Family Residence                          Primary                           Select Portfolio Servicing, In
        700412922          Condo                                            Primary                           Select Portfolio Servicing, In
        700413052          PUD                                              Primary                           Select Portfolio Servicing, In
        700413073          PUD                                              Investment                        Select Portfolio Servicing, In
        700413150          PUD                                              Primary                           Select Portfolio Servicing, In
        700413156          Single Family Residence                          Primary                           Select Portfolio Servicing, In
        700413174          2-4 Family                                       Investment                        Select Portfolio Servicing, In
        700413271          Single Family Residence                          Primary                           Select Portfolio Servicing, In
        700413395          PUD                                              Primary                           Select Portfolio Servicing, In
        700413400          Single Family Residence                          Primary                           Select Portfolio Servicing, In
        700413467          PUD                                              Primary                           Select Portfolio Servicing, In
        700413518          Single Family Residence                          Primary                           Select Portfolio Servicing, In
        700413568          PUD                                              Primary                           Select Portfolio Servicing, In
        700413590          Condo                                            Primary                           Select Portfolio Servicing, In
        700413595          Single Family Residence                          Investment                        Select Portfolio Servicing, In
        700413662          Condo                                            Primary                           Select Portfolio Servicing, In
        700413707          PUD                                              Investment                        Select Portfolio Servicing, In
        700413708          Single Family Residence                          Primary                           Select Portfolio Servicing, In
        700413727          2-4 Family                                       Investment                        Select Portfolio Servicing, In
        700413793          Single Family Residence                          Primary                           Select Portfolio Servicing, In
        700413833          Single Family Residence                          Primary                           Select Portfolio Servicing, In
        700413880          PUD                                              Primary                           Select Portfolio Servicing, In
        700413927          Condo                                            Primary                           Select Portfolio Servicing, In
        700414021          Single Family Residence                          Primary                           Select Portfolio Servicing, In
        700414064          Single Family Residence                          Primary                           Select Portfolio Servicing, In
        700414172          PUD                                              Investment                        Select Portfolio Servicing, In
        700414448          Single Family Residence                          Primary                           Select Portfolio Servicing, In
        700414468          PUD                                              Primary                           Select Portfolio Servicing, In
        700414569          Condo                                            Primary                           Select Portfolio Servicing, In
        700414608          Condo                                            Investment                        Select Portfolio Servicing, In
        700414621          Single Family Residence                          Primary                           Select Portfolio Servicing, In
        700414631          Single Family Residence                          Secondary                         Select Portfolio Servicing, In
        700414654          2-4 Family                                       Primary                           Select Portfolio Servicing, In
        700414741          2-4 Family                                       Investment                        Select Portfolio Servicing, In
        700414753          Single Family Residence                          Investment                        Select Portfolio Servicing, In
        700414824          PUD                                              Primary                           Select Portfolio Servicing, In
        700414858          Single Family Residence                          Primary                           Select Portfolio Servicing, In
        700414901          2-4 Family                                       Primary                           Select Portfolio Servicing, In
        700414909          PUD                                              Investment                        Select Portfolio Servicing, In
        700414910          Single Family Residence                          Secondary                         Select Portfolio Servicing, In
        700414929          Single Family Residence                          Primary                           Select Portfolio Servicing, In
        700414972          Single Family Residence                          Primary                           Select Portfolio Servicing, In
        700415102          PUD                                              Primary                           Select Portfolio Servicing, In
        700415162          Single Family Residence                          Primary                           Select Portfolio Servicing, In
        700415348          Single Family Residence                          Primary                           Select Portfolio Servicing, In
        700415353          PUD                                              Primary                           Select Portfolio Servicing, In
        700415419          Single Family Residence                          Primary                           Select Portfolio Servicing, In
        700415434          Single Family Residence                          Primary                           Select Portfolio Servicing, In
        700415456          PUD                                              Primary                           Select Portfolio Servicing, In
        700415469          2-4 Family                                       Primary                           Select Portfolio Servicing, In
        700415495          Condo                                            Secondary                         Select Portfolio Servicing, In
        700415559          Condo                                            Primary                           Select Portfolio Servicing, In
        700415602          Single Family Residence                          Investment                        Select Portfolio Servicing, In
        700415631          Single Family Residence                          Primary                           Select Portfolio Servicing, In
        700415632          Single Family Residence                          Primary                           Select Portfolio Servicing, In
        700415725          2-4 Family                                       Investment                        Select Portfolio Servicing, In
        700415726          Single Family Residence                          Investment                        Select Portfolio Servicing, In
        700415728          2-4 Family                                       Investment                        Select Portfolio Servicing, In
        700415758          Single Family Residence                          Primary                           Select Portfolio Servicing, In
        700415782          Single Family Residence                          Primary                           Select Portfolio Servicing, In
        700415874          2-4 Family                                       Investment                        Select Portfolio Servicing, In
        700415935          2-4 Family                                       Primary                           Select Portfolio Servicing, In
        700416023          Single Family Residence                          Primary                           Select Portfolio Servicing, In
        700416036          2-4 Family                                       Investment                        Select Portfolio Servicing, In
        700416047          PUD                                              Investment                        Select Portfolio Servicing, In
        700416115          Single Family Residence                          Primary                           Select Portfolio Servicing, In
        700416191          Single Family Residence                          Primary                           Select Portfolio Servicing, In
        700416201          Single Family Residence                          Primary                           Select Portfolio Servicing, In
        700416273          PUD                                              Primary                           Select Portfolio Servicing, In
        700416310          Single Family Residence                          Primary                           Select Portfolio Servicing, In
        700416323          2-4 Family                                       Primary                           Select Portfolio Servicing, In
        700416339          Condo                                            Primary                           Select Portfolio Servicing, In
        700416368          PUD                                              Investment                        Select Portfolio Servicing, In
        700416475          Single Family Residence                          Investment                        Select Portfolio Servicing, In
        700416527          Condo                                            Investment                        Select Portfolio Servicing, In
        700416536          Condo                                            Primary                           Select Portfolio Servicing, In
        700416541          Single Family Residence                          Investment                        Select Portfolio Servicing, In
        700416552          Single Family Residence                          Investment                        Select Portfolio Servicing, In
        700416609          Single Family Residence                          Primary                           Select Portfolio Servicing, In
        700416711          Single Family Residence                          Investment                        Select Portfolio Servicing, In
        700416756          Single Family Residence                          Investment                        Select Portfolio Servicing, In
        700416797          Single Family Residence                          Primary                           Select Portfolio Servicing, In
        700416875          PUD                                              Investment                        Select Portfolio Servicing, In
        700416925          2-4 Family                                       Primary                           Select Portfolio Servicing, In
        700417084          Single Family Residence                          Investment                        Select Portfolio Servicing, In
        700417090          PUD                                              Investment                        Select Portfolio Servicing, In
        700417118          Single Family Residence                          Primary                           Select Portfolio Servicing, In
        700417153          Co-op                                            Primary                           Select Portfolio Servicing, In
        700417260          Single Family Residence                          Secondary                         Select Portfolio Servicing, In
        700417343          Condo                                            Primary                           Select Portfolio Servicing, In
        700417435          2-4 Family                                       Primary                           Select Portfolio Servicing, In
        700417463          Single Family Residence                          Primary                           Select Portfolio Servicing, In
        700417511          Single Family Residence                          Investment                        Select Portfolio Servicing, In
        700417515          Single Family Residence                          Primary                           Select Portfolio Servicing, In
        700417521          2-4 Family                                       Primary                           Select Portfolio Servicing, In
        700417537          Single Family Residence                          Primary                           Select Portfolio Servicing, In
        700417542          Single Family Residence                          Investment                        Select Portfolio Servicing, In
        700417548          Condo                                            Primary                           Select Portfolio Servicing, In
        700417555          Condo                                            Primary                           Select Portfolio Servicing, In
        700417613          2-4 Family                                       Investment                        Select Portfolio Servicing, In
        700417683          Single Family Residence                          Primary                           Select Portfolio Servicing, In
        700417701          PUD                                              Primary                           Select Portfolio Servicing, In
        700417712          Condo                                            Primary                           Select Portfolio Servicing, In
        700417737          2-4 Family                                       Primary                           Select Portfolio Servicing, In
        700417759          Single Family Residence                          Primary                           Select Portfolio Servicing, In
        700417793          PUD                                              Primary                           Select Portfolio Servicing, In
        700417842          PUD                                              Primary                           Select Portfolio Servicing, In
        700417854          Single Family Residence                          Primary                           Select Portfolio Servicing, In
        700417863          Single Family Residence                          Investment                        Select Portfolio Servicing, In
        700417870          Condo                                            Primary                           Select Portfolio Servicing, In
        700417951          Single Family Residence                          Investment                        Select Portfolio Servicing, In
        700417960          Single Family Residence                          Investment                        Select Portfolio Servicing, In
        700417961          Single Family Residence                          Primary                           Select Portfolio Servicing, In
        700418028          Single Family Residence                          Primary                           Select Portfolio Servicing, In
        700418223          2-4 Family                                       Investment                        Select Portfolio Servicing, In
        700418277          2-4 Family                                       Investment                        Select Portfolio Servicing, In
        700418280          Single Family Residence                          Primary                           Select Portfolio Servicing, In
        700418286          2-4 Family                                       Investment                        Select Portfolio Servicing, In
        700418369          2-4 Family                                       Primary                           Select Portfolio Servicing, In
        700418381          Condo                                            Primary                           Select Portfolio Servicing, In
        700418467          Single Family Residence                          Primary                           Select Portfolio Servicing, In
        700418711          Single Family Residence                          Primary                           Select Portfolio Servicing, In
        700418772          2-4 Family                                       Primary                           Select Portfolio Servicing, In
        700418773          PUD                                              Primary                           Select Portfolio Servicing, In
        700418959          PUD                                              Primary                           Select Portfolio Servicing, In
        700419067          Single Family Residence                          Primary                           Select Portfolio Servicing, In
        700419177          PUD                                              Investment                        Select Portfolio Servicing, In
        700419240          2-4 Family                                       Primary                           Select Portfolio Servicing, In
        700419290          Single Family Residence                          Primary                           Select Portfolio Servicing, In
        700419308          Single Family Residence                          Investment                        Select Portfolio Servicing, In
        700419320          Single Family Residence                          Primary                           Select Portfolio Servicing, In
        700419368          PUD                                              Investment                        Select Portfolio Servicing, In
        700419390          Single Family Residence                          Primary                           Select Portfolio Servicing, In
        700419406          PUD                                              Primary                           Select Portfolio Servicing, In
        700419449          Single Family Residence                          Primary                           Select Portfolio Servicing, In
        700419459          Single Family Residence                          Primary                           Select Portfolio Servicing, In
        700419549          Single Family Residence                          Primary                           Select Portfolio Servicing, In
        700419607          Single Family Residence                          Primary                           Select Portfolio Servicing, In
        700419650          Single Family Residence                          Investment                        Select Portfolio Servicing, In
        700419706          PUD                                              Primary                           Select Portfolio Servicing, In
        700419881          2-4 Family                                       Primary                           Select Portfolio Servicing, In
        700419956          Single Family Residence                          Investment                        Select Portfolio Servicing, In
        700419969          PUD                                              Primary                           Select Portfolio Servicing, In
        700420001          2-4 Family                                       Investment                        Select Portfolio Servicing, In
        700420048          Single Family Residence                          Primary                           Select Portfolio Servicing, In
        700420193          Condo                                            Primary                           Select Portfolio Servicing, In
        700420431          PUD                                              Primary                           Select Portfolio Servicing, In
        700420508          Single Family Residence                          Primary                           Select Portfolio Servicing, In
        700420536          PUD                                              Primary                           Select Portfolio Servicing, In
        700420763          2-4 Family                                       Primary                           Select Portfolio Servicing, In
        700420811          Single Family Residence                          Primary                           Select Portfolio Servicing, In
        700420889          2-4 Family                                       Primary                           Select Portfolio Servicing, In
        700420901          Single Family Residence                          Primary                           Select Portfolio Servicing, In
        700420984          Condo                                            Primary                           Select Portfolio Servicing, In
        700420998          PUD                                              Primary                           Select Portfolio Servicing, In
        700421051          Single Family Residence                          Investment                        Select Portfolio Servicing, In
        700421218          2-4 Family                                       Primary                           Select Portfolio Servicing, In
        700421243          PUD                                              Primary                           Select Portfolio Servicing, In
        700421296          Single Family Residence                          Primary                           Select Portfolio Servicing, In
        700421343          2-4 Family                                       Primary                           Select Portfolio Servicing, In
        700421365          Single Family Residence                          Primary                           Select Portfolio Servicing, In
        700421394          Single Family Residence                          Primary                           Select Portfolio Servicing, In
        700421428          Single Family Residence                          Primary                           Select Portfolio Servicing, In
        700421429          2-4 Family                                       Investment                        Select Portfolio Servicing, In
        700421670          2-4 Family                                       Primary                           Select Portfolio Servicing, In
        700421786          Single Family Residence                          Primary                           Select Portfolio Servicing, In
        700421831          Single Family Residence                          Primary                           Select Portfolio Servicing, In
        700421898          2-4 Family                                       Primary                           Select Portfolio Servicing, In
        700421961          Single Family Residence                          Primary                           Select Portfolio Servicing, In
        700422011          PUD                                              Primary                           Select Portfolio Servicing, In
        700422119          Single Family Residence                          Primary                           Select Portfolio Servicing, In
        700422143          2-4 Family                                       Primary                           Select Portfolio Servicing, In
        700422200          Single Family Residence                          Primary                           Select Portfolio Servicing, In
        700422221          Single Family Residence                          Investment                        Select Portfolio Servicing, In
        700422224          Single Family Residence                          Primary                           Select Portfolio Servicing, In
        700422227          Single Family Residence                          Investment                        Select Portfolio Servicing, In
        700422284          Single Family Residence                          Primary                           Select Portfolio Servicing, In
        700422294          2-4 Family                                       Investment                        Select Portfolio Servicing, In
        700422394          Single Family Residence                          Primary                           Select Portfolio Servicing, In
        700422503          2-4 Family                                       Primary                           Select Portfolio Servicing, In
        700422664          Single Family Residence                          Investment                        Select Portfolio Servicing, In
        700422673          PUD                                              Primary                           Select Portfolio Servicing, In
        700422693          Single Family Residence                          Primary                           Select Portfolio Servicing, In
        700422694          Single Family Residence                          Primary                           Select Portfolio Servicing, In
        700422714          Single Family Residence                          Investment                        Select Portfolio Servicing, In
        700422718          PUD                                              Primary                           Select Portfolio Servicing, In
        700423148          Single Family Residence                          Primary                           Select Portfolio Servicing, In
        700423215          Single Family Residence                          Investment                        Select Portfolio Servicing, In
        700423252          PUD                                              Primary                           Select Portfolio Servicing, In
        700423345          Single Family Residence                          Primary                           Select Portfolio Servicing, In
        700423416          2-4 Family                                       Investment                        Select Portfolio Servicing, In
        700423420          2-4 Family                                       Investment                        Select Portfolio Servicing, In
        700423445          Single Family Residence                          Primary                           Select Portfolio Servicing, In
        700423513          PUD                                              Investment                        Select Portfolio Servicing, In
        700423536          2-4 Family                                       Primary                           Select Portfolio Servicing, In
        700423549          Single Family Residence                          Primary                           Select Portfolio Servicing, In
        700423740          2-4 Family                                       Investment                        Select Portfolio Servicing, In
        700423758          2-4 Family                                       Investment                        Select Portfolio Servicing, In
        700423836          2-4 Family                                       Primary                           Select Portfolio Servicing, In
        700423995          Single Family Residence                          Investment                        Select Portfolio Servicing, In
        700424008          Single Family Residence                          Primary                           Select Portfolio Servicing, In
        700424042          Single Family Residence                          Investment                        Select Portfolio Servicing, In
        700424044          Single Family Residence                          Primary                           Select Portfolio Servicing, In
        700424165          2-4 Family                                       Primary                           Select Portfolio Servicing, In
        700424174          Single Family Residence                          Primary                           Select Portfolio Servicing, In
        700424199          PUD                                              Primary                           Select Portfolio Servicing, In
        700424204          2-4 Family                                       Primary                           Select Portfolio Servicing, In
        700424217          2-4 Family                                       Primary                           Select Portfolio Servicing, In
        700424272          Single Family Residence                          Primary                           Select Portfolio Servicing, In
        700424448          PUD                                              Primary                           Select Portfolio Servicing, In
        700424462          Single Family Residence                          Investment                        Select Portfolio Servicing, In
        700424489          2-4 Family                                       Investment                        Select Portfolio Servicing, In
        700424530          Condo                                            Primary                           Select Portfolio Servicing, In
        700424757          PUD                                              Investment                        Select Portfolio Servicing, In
        700424814          2-4 Family                                       Primary                           Select Portfolio Servicing, In
        700424847          Single Family Residence                          Primary                           Select Portfolio Servicing, In
        700424964          Single Family Residence                          Primary                           Select Portfolio Servicing, In
        700424968          2-4 Family                                       Primary                           Select Portfolio Servicing, In
        700425183          Single Family Residence                          Primary                           Select Portfolio Servicing, In
        700425202          PUD                                              Investment                        Select Portfolio Servicing, In
        700425211          PUD                                              Primary                           Select Portfolio Servicing, In
        700425212          PUD                                              Investment                        Select Portfolio Servicing, In
        700425228          2-4 Family                                       Primary                           Select Portfolio Servicing, In
        700425259          PUD                                              Primary                           Select Portfolio Servicing, In
        700425398          Single Family Residence                          Primary                           Select Portfolio Servicing, In
        700425442          Single Family Residence                          Primary                           Select Portfolio Servicing, In
        700425444          Single Family Residence                          Primary                           Select Portfolio Servicing, In
        700425556          PUD                                              Primary                           Select Portfolio Servicing, In
        700425578          2-4 Family                                       Primary                           Select Portfolio Servicing, In
        700425730          PUD                                              Primary                           Select Portfolio Servicing, In
        700425758          PUD                                              Primary                           Select Portfolio Servicing, In
        700425834          Single Family Residence                          Primary                           Select Portfolio Servicing, In
        700425853          Condo                                            Primary                           Select Portfolio Servicing, In
        700425959          Single Family Residence                          Primary                           Select Portfolio Servicing, In
        700426038          Single Family Residence                          Primary                           Select Portfolio Servicing, In
        700426061          PUD                                              Primary                           Select Portfolio Servicing, In
        700426169          Single Family Residence                          Primary                           Select Portfolio Servicing, In
        700426180          Single Family Residence                          Primary                           Select Portfolio Servicing, In
        700426181          2-4 Family                                       Primary                           Select Portfolio Servicing, In
        700426227          PUD                                              Primary                           Select Portfolio Servicing, In
        700426316          2-4 Family                                       Investment                        Select Portfolio Servicing, In
        700426326          Single Family Residence                          Primary                           Select Portfolio Servicing, In
        700426462          PUD                                              Primary                           Select Portfolio Servicing, In
        700426583          Single Family Residence                          Investment                        Select Portfolio Servicing, In
        700426618          2-4 Family                                       Primary                           Select Portfolio Servicing, In
        700426725          Single Family Residence                          Primary                           Select Portfolio Servicing, In
        700426803          2-4 Family                                       Investment                        Select Portfolio Servicing, In
        700426860          Single Family Residence                          Primary                           Select Portfolio Servicing, In
        700427003          PUD                                              Primary                           Select Portfolio Servicing, In
        700427083          2-4 Family                                       Primary                           Select Portfolio Servicing, In
        700427103          2-4 Family                                       Primary                           Select Portfolio Servicing, In
        700427213          PUD                                              Secondary                         Select Portfolio Servicing, In
        700427337          PUD                                              Primary                           Select Portfolio Servicing, In
        700427364          Single Family Residence                          Primary                           Select Portfolio Servicing, In
        700427453          Single Family Residence                          Investment                        Select Portfolio Servicing, In
        700427493          Single Family Residence                          Primary                           Select Portfolio Servicing, In
        700427540          Single Family Residence                          Primary                           Select Portfolio Servicing, In
        700427583          Single Family Residence                          Primary                           Select Portfolio Servicing, In
        700427617          Single Family Residence                          Primary                           Select Portfolio Servicing, In
        700427791          Single Family Residence                          Primary                           Select Portfolio Servicing, In
        700427857          2-4 Family                                       Primary                           Select Portfolio Servicing, In
        700427886          Single Family Residence                          Primary                           Select Portfolio Servicing, In
        700427901          Single Family Residence                          Primary                           Select Portfolio Servicing, In
        700427934          PUD                                              Primary                           Select Portfolio Servicing, In
        700427951          Single Family Residence                          Primary                           Select Portfolio Servicing, In
        700427998          PUD                                              Primary                           Select Portfolio Servicing, In
        700428001          PUD                                              Investment                        Select Portfolio Servicing, In
        700428110          2-4 Family                                       Primary                           Select Portfolio Servicing, In
        700428147          2-4 Family                                       Investment                        Select Portfolio Servicing, In
        700428162          2-4 Family                                       Primary                           Select Portfolio Servicing, In
        700428425          Single Family Residence                          Primary                           Select Portfolio Servicing, In
        700428483          Single Family Residence                          Primary                           Select Portfolio Servicing, In
        700428544          Single Family Residence                          Primary                           Select Portfolio Servicing, In
        700428579          2-4 Family                                       Primary                           Select Portfolio Servicing, In
        700428721          Condo                                            Primary                           Select Portfolio Servicing, In
        700428795          PUD                                              Primary                           Select Portfolio Servicing, In
        700428800          PUD                                              Primary                           Select Portfolio Servicing, In
        700428815          Single Family Residence                          Primary                           Select Portfolio Servicing, In
        700428877          Single Family Residence                          Primary                           Select Portfolio Servicing, In
        700428897          PUD                                              Primary                           Select Portfolio Servicing, In
        700428951          PUD                                              Primary                           Select Portfolio Servicing, In
        700429032          PUD                                              Secondary                         Select Portfolio Servicing, In
        700429107          Single Family Residence                          Primary                           Select Portfolio Servicing, In
        700429318          2-4 Family                                       Primary                           Select Portfolio Servicing, In
        700429399          2-4 Family                                       Primary                           Select Portfolio Servicing, In
        700429410          Single Family Residence                          Investment                        Select Portfolio Servicing, In
        700429515          Single Family Residence                          Investment                        Select Portfolio Servicing, In
        700429608          PUD                                              Primary                           Select Portfolio Servicing, In
        700429657          PUD                                              Primary                           Select Portfolio Servicing, In
        700429661          Single Family Residence                          Primary                           Select Portfolio Servicing, In
        700429850          Single Family Residence                          Primary                           Select Portfolio Servicing, In
        700429899          Condo                                            Primary                           Select Portfolio Servicing, In
        700429956          Condo                                            Primary                           Select Portfolio Servicing, In
        700429970          Single Family Residence                          Primary                           Select Portfolio Servicing, In
        700430110          Single Family Residence                          Primary                           Select Portfolio Servicing, In
        700430181          PUD                                              Primary                           Select Portfolio Servicing, In
        700430223          Single Family Residence                          Primary                           Select Portfolio Servicing, In
        700430407          Single Family Residence                          Primary                           Select Portfolio Servicing, In
        700430456          2-4 Family                                       Investment                        Select Portfolio Servicing, In
        700430477          Single Family Residence                          Primary                           Select Portfolio Servicing, In
        700430525          PUD                                              Investment                        Select Portfolio Servicing, In
        700430559          2-4 Family                                       Primary                           Select Portfolio Servicing, In
        700430606          Single Family Residence                          Primary                           Select Portfolio Servicing, In
        700430614          Single Family Residence                          Primary                           Select Portfolio Servicing, In
        700430683          2-4 Family                                       Primary                           Select Portfolio Servicing, In
        700430738          Single Family Residence                          Investment                        Select Portfolio Servicing, In
        700430837          2-4 Family                                       Primary                           Select Portfolio Servicing, In
        700430841          PUD                                              Primary                           Select Portfolio Servicing, In
        700430906          2-4 Family                                       Investment                        Select Portfolio Servicing, In
        700430915          Single Family Residence                          Primary                           Select Portfolio Servicing, In
        700431129          Single Family Residence                          Primary                           Select Portfolio Servicing, In
        700431216          Single Family Residence                          Primary                           Select Portfolio Servicing, In
        700431252          2-4 Family                                       Primary                           Select Portfolio Servicing, In
        700431309          PUD                                              Primary                           Select Portfolio Servicing, In
        700431400          2-4 Family                                       Primary                           Select Portfolio Servicing, In
        700431716          2-4 Family                                       Primary                           Select Portfolio Servicing, In
        700431754          Single Family Residence                          Primary                           Select Portfolio Servicing, In
        700431888          Single Family Residence                          Primary                           Select Portfolio Servicing, In
        700431914          Condo                                            Primary                           Select Portfolio Servicing, In
        700432029          Single Family Residence                          Primary                           Select Portfolio Servicing, In
        700432093          Single Family Residence                          Primary                           Select Portfolio Servicing, In
        700432358          2-4 Family                                       Primary                           Select Portfolio Servicing, In
        700432436          Single Family Residence                          Investment                        Select Portfolio Servicing, In
        700432618          Single Family Residence                          Primary                           Select Portfolio Servicing, In
        700432796          Condo                                            Primary                           Select Portfolio Servicing, In
        700432834          2-4 Family                                       Investment                        Select Portfolio Servicing, In
        700432937          2-4 Family                                       Primary                           Select Portfolio Servicing, In
        700433131          Condo                                            Primary                           Select Portfolio Servicing, In
        700433178          Single Family Residence                          Investment                        Select Portfolio Servicing, In
        700433191          Single Family Residence                          Primary                           Select Portfolio Servicing, In
        700433223          Single Family Residence                          Investment                        Select Portfolio Servicing, In
        700433229          Single Family Residence                          Primary                           Select Portfolio Servicing, In
        700433329          PUD                                              Primary                           Select Portfolio Servicing, In
        700433351          2-4 Family                                       Primary                           Select Portfolio Servicing, In
        700433390          Condo                                            Investment                        Select Portfolio Servicing, In
        700433432          Condo                                            Primary                           Select Portfolio Servicing, In
        700433466          Single Family Residence                          Primary                           Select Portfolio Servicing, In
        700433514          Single Family Residence                          Primary                           Select Portfolio Servicing, In
        700433567          2-4 Family                                       Primary                           Select Portfolio Servicing, In
        700433579          PUD                                              Primary                           Select Portfolio Servicing, In
        700433742          Condo                                            Primary                           Select Portfolio Servicing, In
        700433769          Condo                                            Primary                           Select Portfolio Servicing, In
        700434618          2-4 Family                                       Primary                           Select Portfolio Servicing, In
        700434808          PUD                                              Primary                           Select Portfolio Servicing, In
        700434881          Single Family Residence                          Primary                           Select Portfolio Servicing, In
        700434956          Single Family Residence                          Primary                           Select Portfolio Servicing, In
        700435028          2-4 Family                                       Primary                           Select Portfolio Servicing, In
        700435080          Single Family Residence                          Secondary                         Select Portfolio Servicing, In
        700435197          Single Family Residence                          Primary                           Select Portfolio Servicing, In
        700435202          Single Family Residence                          Primary                           Select Portfolio Servicing, In
        700435226          Single Family Residence                          Primary                           Select Portfolio Servicing, In
        700435359          Single Family Residence                          Primary                           Select Portfolio Servicing, In
        700435495          PUD                                              Primary                           Select Portfolio Servicing, In
        700435826          PUD                                              Investment                        Select Portfolio Servicing, In
        700436412          2-4 Family                                       Primary                           Select Portfolio Servicing, In
        700436922          2-4 Family                                       Primary                           Select Portfolio Servicing, In
        700437064          Single Family Residence                          Primary                           Select Portfolio Servicing, In
        700437144          PUD                                              Primary                           Select Portfolio Servicing, In
        700437164          2-4 Family                                       Primary                           Select Portfolio Servicing, In
        700437893          Single Family Residence                          Primary                           Select Portfolio Servicing, In
        700438145          2-4 Family                                       Primary                           Select Portfolio Servicing, In
        700438240          Single Family Residence                          Primary                           Select Portfolio Servicing, In
        700439222          Single Family Residence                          Primary                           Select Portfolio Servicing, In
        700439347          Single Family Residence                          Primary                           Select Portfolio Servicing, In
        700439553          Condo                                            Investment                        Select Portfolio Servicing, In
        700439656          PUD                                              Primary                           Select Portfolio Servicing, In
        700440158          Single Family Residence                          Primary                           Select Portfolio Servicing, In
        700440735          PUD                                              Primary                           Select Portfolio Servicing, In
        700440907          Single Family Residence                          Primary                           Select Portfolio Servicing, In
        700440908          2-4 Family                                       Primary                           Select Portfolio Servicing, In
        700441427          Single Family Residence                          Primary                           Select Portfolio Servicing, In
        700442709          Single Family Residence                          Primary                           Select Portfolio Servicing, In
        700442784          PUD                                              Primary                           Select Portfolio Servicing, In
        700443456          Single Family Residence                          Primary                           Select Portfolio Servicing, In
        700443633          Single Family Residence                          Primary                           Select Portfolio Servicing, In
        700445641          2-4 Family                                       Investment                        Select Portfolio Servicing, In

         LOAN_NO                DEAL_ORIG_TERM               DEAL_LTV             DEAL_COMB_LTV       DTI_RATIO        BORR_FICO          CURR_RATE
---------------------------------------------------------------------------------------------------------------------------------------------------
        500356453                     180                        20                      100            39.97              723               8.875
        500761165                     180                     20.05                    95.05            40.07              731              12.125
        500763132                     180                        15                       90            33.59              760               9.625
        500767705                     180                     13.33                    77.72            31.37              663                  11
        500771148                     180                        10                       80            16.43              707              11.375
        500771558                     240                        25                       95            40.24              688               13.25
        500771548                     240                        25                       95            40.24              688               13.25
        500771542                     240                        25                       95            40.32              680               13.25
        500780979                     180                        20                      100            44.73              693               9.625
        500783976                     180                     26.67                       84            33.94              750               13.25
        500783999                     180                     28.57                       90            33.94              750               13.25
        500784014                     180                     26.67                       90            33.94              750               13.25
        500785434                     180                        15                       95            37.29              665                 9.5
        500785780                     180                      9.88                     88.9            37.27              677                  11
        500791939                     180                        20                      100            44.28              718              12.375
        500792328                     180                     20.01                      100            45.01              685               9.875
        500792522                     360                        20                      100            39.03              719               7.875
        500792469                     180                        20                      100                0              693              13.375
        500792709                     360                        15                       90            34.45              706                9.75
        500793545                     360                        20                      100            44.44              703              10.875
        500787683                     360                        20                      100            45.22              716               11.25
        500793699                     180                        20                      100            44.04              798              10.375
        500793990                     360                        20                    99.83            36.95              680              12.375
        500794668                     240                        20                      100            39.56              731               11.25
        500794775                     180                        25                       90                0              719               12.75
        500794869                     180                        20                      100            42.48              686                9.75
        500796635                     360                        15                       90                0              710               9.875
        500797342                     180                        16                       90            25.53              729                  12
        500794580                     180                        10                       90            41.26              707                 8.5
        500797762                     180                        20                      100            40.99              694               11.25
        500797483                     360                        15                       95            37.45              724               12.75
        500798434                     180                     20.48                      100                0              754              11.875
        500798500                     180                        15                       95            48.21              721                  13
        500792147                     180                        20                      100                0              676                12.5
        500799473                     180                        20                      100            37.98              705               11.25
        500800143                     180                      9.94                     79.5               31              724                10.5
        500800135                     180                      9.94                     79.5            30.93              724                10.5
        500800124                     180                      9.94                     79.5            30.98              724                10.5
        500800177                     180                      9.94                     79.5            30.88              724                10.5
        500800212                     180                        10                       90                0              757                9.75
        500800737                     180                        10                       90            39.78              676                9.75
        500800855                     360                        15                       95            36.55              721               12.75
        500801223                     180                        20                       90            29.49              684               13.75
        500801516                     180                      6.35                    86.35            44.46              628              11.625
        500801519                     180                        20                      100            44.91              683              10.125
        500801618                     180                        15                       95            48.04              726               10.75
        500803068                     360                        10                       90            35.63              683               10.75
        500803192                     180                      17.5                    94.98            42.36              670               10.75
        500803202                     180                        20                      100            40.18              716                 9.5
        500803355                     360                        20                      100            39.57              764                  11
        500804142                     180                        20                      100            39.71              703              11.125
        500804255                     180                     19.98                    99.96            30.34              734               9.875
        500804347                     180                        10                       90            43.94              660                  10
        500804983                     180                        20                      100            42.56              708              11.625
        500805320                     180                         8                       88            43.41              663                9.75
        500805520                     180                     14.12                    94.12                0              679               11.25
        500805543                     180                        15                       95            40.98              681               14.25
        500805647                     180                        20                      100            32.17              685                  11
        500806144                     360                        20                      100            43.26              708                  11
        500806147                     180                        20                      100            38.47              711              10.875
        500806183                     180                     19.99                    99.97            42.22              705              10.375
        500806213                     360                        15                       95            43.12              791               10.75
        500806040                     360                        20                      100            28.29              735              10.125
        500806202                     180                        20                      100            41.56              633               14.25
        500806364                     180                     14.86                       90             39.2              682               10.75
        500806367                     360                     40.61                    89.64            26.97              724                 9.5
        500806567                     180                        20                      100                0              752              12.875
        500806594                     180                        15                       95            42.82              658               8.875
        500806839                     180                     23.67                       95            48.72              664                   9
        500806743                     360                        15                       95            46.43              655               12.75
        500806933                     180                     14.99                    94.99                0              798                  11
        500807462                     180                        20                       90            27.48              671                12.5
        500807495                     180                        10                       80             34.2              725               9.125
        500807533                     180                     19.99                    99.98            42.75              685                12.5
        500807585                     180                     22.99                    92.64            42.64              650                  11
        500807587                     180                        20                      100            27.47              738               8.375
        500807895                     180                        20                      100                0              708                  10
        500807900                     180                      9.89                    68.89            40.83              656               9.875
        500807903                     180                        20                      100            37.52              683               10.25
        500808000                     360                        20                      100            44.64              780               9.375
        500808013                     180                        20                      100            34.41              678               11.75
        500808072                     360                        10                       90            33.34              740              11.375
        500808077                     180                     10.01                    89.98            33.85              717                11.5
        500808139                     180                        10                       90             36.8              717                11.5
        500808800                     180                     30.52                    66.67            36.68              681                 9.5
        500808128                     180                      9.98                    89.98            33.83              717                11.5
        500809023                     180                     19.91                    99.57            36.55              690                  11
        500796652                     180                        20                      100            39.45              679              10.125
        500809166                     360                     13.04                    93.04            45.46              647                  10
        500809387                     180                        15                       95            26.65              683                12.5
        500809405                     180                        20                      100            41.45              720              11.125
        500809427                     360                        20                      100            31.09              736               8.875
        500794432                     180                        15                       95            38.07              671                 8.5
        500810345                     180                        20                      100            39.14              721              11.375
        500810379                     360                        15                       95                0              659                12.5
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        500811401                     360                        15                       95                0              659              12.875
        500810740                     360                     28.34                    86.66            42.02              680               7.875
        500811568                     180                        20                      100            32.33              761                9.75
        500811806                     180                        15                       90            41.91              754                  11
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        500812533                     180                        25                      100                0              685              12.625
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        500812716                     180                        20                      100            43.59              682                10.5
        500812720                     180                        20                      100                0              763                9.25
        500812742                     180                        20                      100            40.65              741               9.125
        500812839                     360                         9                       89            46.17              755                7.75
        500812992                     180                        15                       95            39.04              662               11.75
        500802412                     180                     19.99                    99.98            47.51              736                   9
        500813179                     180                        20                      100                0              682               12.25
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        500813200                     180                        20                      100            46.41              674              12.875
        500813431                     180                        20                      100            44.45              682              12.125
        500777840                     180                        15                       95            32.75              657              10.875
        500772684                     180                        20                      100            37.77              768               8.875
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        500813652                     180                        20                      100            37.45              624              11.875
        500740344                     180                        15                       95            44.12              670               10.25
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        500813822                     180                        20                      100            42.44              696              10.625
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        500814175                     180                      9.97                    89.86                0              658              11.125
        500814382                     180                         9                       89                0              699               9.875
        500814383                     360                        10                       90            33.39              688              12.875
        500814430                     180                        10                       90            40.96              786                 8.5
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        500814574                     240                     19.97                    99.87            40.73              686              10.125
        500814575                     180                        20                      100            42.97              689                  10
        500814578                     180                      5.77                    20.02            45.04              724               8.625
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        500814771                     360                        15                       95            40.88              716                  10
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        500814868                     180                        20                       95            36.94              762                9.25
        500814883                     180                        20                      100            47.25              728                10.5
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        500814808                     180                        10                       90            43.18              655              11.625
        500814224                     180                        20                       90                0              666              12.875
        500814946                     180                     10.44                    81.24            45.54              669                 9.5
        500815299                     180                        20                      100             47.3              720              11.125
        500815377                     180                        15                       90                0              816               12.25
        500815323                     180                        15                       95                0              748               14.25
        500815395                     180                        15                       95                0              748               14.25
        500815433                     360                     24.97                    89.94            46.92              750               9.875
        500809240                     180                        20                      100            39.87              690               10.25
        500815484                     180                     10.71                       85             39.5              689               8.875
        500815444                     180                        20                      100                0              736                  13
        500815747                     360                        20                       90            39.07              697              11.875
        500815824                     180                        15                       95            42.26              649              12.875
        500815857                     180                        23                       95            39.11              659                11.5
        500815863                     180                        10                       90            41.15              701                9.75
        500815905                     180                        20                      100                0              696              13.125
        500815938                     180                        20                      100            42.67              731               9.875
        500815956                     360                     20.15                       95            25.84              656                10.5
        500815984                     180                     22.26                     93.3            45.23              666              11.875
        500813699                     180                        20                      100            38.24              787                 9.5
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        500816602                     180                        10                       90                0              790                9.75
        500816606                     360                     26.61                    86.53            38.08              692               7.875
        500816177                     360                        20                      100            44.59              703               9.875
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        500817035                     180                      6.58                    85.48            39.49              703               9.125
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        500817278                     180                        20                      100            41.28              676               12.75
        500811389                     180                        10                       90            42.07              705              10.375
        500817450                     180                     19.91                    99.91            49.89              687               9.875
        500817456                     180                        15                       80            41.31              676              10.875
        500817457                     180                        20                       90            49.25              689              12.375
        500817460                     180                        20                      100                0              693                  10
        500817461                     180                     19.98                    99.96                0              696               9.875
        500817463                     180                        20                      100                0              702               9.625
        500817465                     180                     19.54                    99.54                0              713               10.75
        500817467                     180                        10                       90                0              711                   9
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        500817585                     180                        15                       95            44.69              687              11.125
        500817615                     180                        15                       95            41.85              713               8.375
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        500817660                     180                        25                       95             29.8              743                  13
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        500817752                     180                        15                       95            44.64              755                  12
        500817945                     180                        20                    99.98            38.86              772                  11
        500810652                     360                      9.99                    89.97            42.11              748              11.875
        500817986                     180                        20                      100            41.37              747                 9.5
        500812812                     180                        16                       96                0              736                  12
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        500768076                     180                        15                       95            35.09              660              10.125
        500818488                     180                     21.32                     89.5            29.27              669               10.25
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        500818657                     240                        20                      100            49.09              675               9.875
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        500818767                     180                        15                       95            27.25              668              10.125
        500818821                     180                        20                      100             46.8              683               9.875
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        500819422                     180                        10                       90                0              700              11.125
        500819518                     240                        25                       95            49.96              685                  13
        500819407                     180                        20                      100            48.89              695               9.875
        500819477                     360                        20                      100            39.36              709               14.25
        500819374                     180                        20                      100                0              707              11.625
        500819623                     180                        20                      100            43.69              702               10.75
        500819622                     180                        20                      100            43.75              675                  12
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        500819774                     180                        15                       95            40.15              668                  11
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        500819527                     180                        20                       90            29.98              740              12.125
        500819580                     360                        20                      100            34.13              678                  11
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        500819891                     180                     19.23                       90                0              733                  10
        500819902                     180                        15                       95            32.95              666                12.5
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        500820187                     180                        20                      100                0              685                12.5
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        500820578                     180                        15                       95            24.97              651                  13
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        500820293                     180                        10                       90             45.3              660              10.875
        500820721                     180                        20                      100                0              699              13.125
        500820723                     240                        20                      100            23.35              647               12.75
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        500820831                     180                        20                      100                0              717              12.625
        500820833                     360                        15                       90                0              701                 9.5
        500821182                     180                        15                       95            39.02              723              13.125
        500821234                     180                        15                       95            33.59              670              10.125
        500821299                     180                        20                       95            34.62              788                12.5
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        500813749                     180                        15                       95            26.31              686              12.625
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        500821134                     180                        20                      100            44.72              670              10.625
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        500821738                     180                        10                       90            34.72              675               9.875
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        500822517                     180                        10                       90                0              707              10.875
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        500822687                     180                        15                       95            36.16              727              12.875
        500822697                     180                        20                      100            37.74              720              10.625
        500761875                     180                     34.97                    94.96                0              719              10.875
        500822729                     180                        20                      100            47.39              702               12.75
        500822767                     360                        10                       90            27.83              804                   8
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        500823061                     180                        10                       90                0              740               11.75
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        500823100                     360                        20                      100            44.03              671               11.75
        500822890                     180                        15                       95            39.39              654                10.5
        500823178                     180                      19.4                     99.4                0              671              12.875
        500823180                     180                        15                       95            44.99              659              11.875
        500823289                     180                        10                       90            40.16              676               9.625
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        500823179                     180                        10                       90            46.08              710              11.625
        500823535                     180                        15                       95            29.59              762              11.875
        500823590                     360                        15                       95            41.46              771                 9.5
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        500823747                     180                        15                       95            36.88              751               13.75
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        500823905                     180                        15                       95            45.63              672                  11
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        500826613                     180                        10                       90            35.89              667                10.5
        500826614                     180                        20                      100                0              765                  13
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        500826625                     240                     19.93                    99.67                0              757               12.25
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        500826799                     180                        20                      100            45.75              734                  10
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        500826856                     360                        10                       90                0              693                  10
        500826858                     180                        20                    99.99            38.57              713              11.875
        500826811                     180                     22.56                       90                0              719                  11
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        500827232                     360                        20                      100            31.49              660              10.375
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        500827507                     180                        10                       90            43.01              704                  11
        500827510                     180                        20                      100            40.88              690               8.875
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        500827897                     180                        20                       90            41.48              801               11.75
        500827906                     360                      9.72                    94.28            32.87              644              10.375
        500827931                     180                     20.83                       65            39.76              655               10.25
        500827953                     360                     13.36                    84.64            39.16              719               9.875
        500827961                     180                        20                      100            47.85              695                10.5
        500827985                     180                        20                      100            43.47              681              10.375
        500828091                     360                     14.87                    94.87                0              718                  13
        500828116                     240                        15                       85            19.26              655                   9
        500828092                     180                        10                       90                0              635              14.125
        500828150                     180                        20                       95                0              670              10.625
        500827167                     180                        20                      100            49.93              606              12.625
        500828334                     180                        20                      100            45.06              637              10.625
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        500828475                     360                        20                       95            44.24              669              10.875
        500828478                     180                        15                    94.96            26.54              670               14.25
        500828524                     180                        20                      100            42.91              664              11.625
        500828926                     180                        20                      100            33.43              688               12.25
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        500828943                     180                        20                      100            47.04              631              12.625
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        500829338                     180                     19.99                    99.98                0              809              11.875
        500829354                     180                        20                      100            38.42              673              10.875
        500829420                     180                        20                      100             38.5              707                  12
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        500829622                     180                        15                       95            44.93              697              11.875
        500829643                     180                        20                    89.99            43.74              787               8.375
        500829650                     240                        20                      100            34.22              721              10.375
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        500829676                     360                      3.33                    89.98            33.44              666              10.125
        500829674                     360                     16.67                    51.67                0              803               10.25
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        500829801                     180                        20                      100                0              679              11.375
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        500830330                     180                        15                    94.99                0              660                  12
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        500830575                     180                        10                       90                0              673               8.875
        500830613                     180                        15                       95            40.98              769              10.875
        500830616                     360                        10                       90            25.28              651                  12
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        500830948                     180                        20                      100            44.49              730                  12
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        500805710                     360                        20                      100            42.94              628               12.75
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        500831120                     180                        25                      100                0              690              12.875
        500831257                     360                        20                      100                0              681              11.875
        500831298                     180                        15                       95            43.77              670              10.875
        500831381                     180                        10                       90            42.69              698               9.375
        500831410                     180                        20                      100            40.65              714                  12
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        500831486                     180                        15                       95            37.43              622              12.375
        500811315                     180                      4.89                    83.18                0              671               9.875
        500826002                     180                        20                      100            40.47              736               9.625
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        500831699                     180                        15                       95                0              700                11.5
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        500831870                     180                        20                      100             44.6              695                  11
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        500831909                     180                     19.99                    99.98            48.63              790              10.125
        500831946                     180                        20                       95            38.31              722                 9.5
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        500832244                     180                        20                      100                0              694              12.375
        500832446                     180                        20                       95            30.06              686                  12
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        500832661                     180                        15                       95                0              682                13.5
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        500832733                     360                     29.78                      100             37.2              770                 9.5
        500832760                     360                     35.46                    98.77            39.34              707              10.125
        500826047                     180                       8.8                     81.6             26.3              789                 8.5
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        500832825                     180                        20                      100            29.38              695              11.375
        500826003                     180                        20                      100                0              681               12.75
        500816387                     180                     20.01                      100            49.46              690              12.875
        500833111                     180                        10                       90                0              632               11.25
        500797406                     180                        10                       90            40.55              665                13.5
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        500833175                     180                        20                      100                0              698                11.5
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        500833386                     180                        20                      100                0              724                  12
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        500833374                     180                         5                       85            36.37              682                10.5
        500831467                     180                        35                      100                0              790              12.875
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        500833918                     180                        15                       95                0              711              10.375
        500833922                     180                        25                       95                0              688              13.875
        500834083                     180                        20                      100            41.24              674                  12
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        500834271                     180                        15                       95            44.37              692               8.875
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        500835860                     180                        20                      100                0              695              10.875
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        500847978                     180                        10                       90                0              682              11.875
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        500850253                     180                     18.87                    94.87            49.25              709              12.375
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        500850468                     180                        15                       95               38              657                8.25
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        500850603                     180                        20                      100                0              765                  12
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        500796864                     180                        15                       95            37.97              668               10.75
        500850736                     360                        20                      100            45.38              726               9.375
        500850777                     180                        15                       95            33.97              680               11.75
        500850781                     180                        20                      100                0              723                12.5
        500850790                     180                        20                      100            25.46              679                12.5
        500850817                     180                     20.05                      100            34.33              629              13.875
        500850841                     180                        20                      100            43.33              683              12.225
        500850861                     180                        20                      100            48.21              677              12.875
        500850901                     180                        20                    99.99                0              723                  11
        500850134                     360                        20                      100            49.22              642               13.75
        500851007                     180                        20                      100            42.91              774                  12
        500851016                     360                        20                      100             43.3              706                 9.5
        500851017                     180                        20                      100            40.95              707              10.375
        500851108                     180                        15                       95                0              687              14.125
        500851142                     180                        15                       95             25.2              641               8.875
        500851145                     360                        20                       90            31.49              686               12.75
        500851193                     360                        20                      100             45.1              630               14.25
        500820768                     180                        20                      100            38.66              688                11.5
        500837095                     180                     30.71                       95            44.51              671              10.875
        500851302                     180                        20                      100             44.2              626              12.125
        500802253                     180                        10                    89.99                0              764                  13
        500851318                     180                        20                      100            43.59              702                  10
        500851458                     180                     40.09                    94.95                0              753               11.75
        500851508                     180                        10                       90                0              620              10.375
        500851526                     360                        15                       95                0              720               9.875
        500851563                     180                        20                      100            44.94              690              10.375
        500851541                     180                        10                    88.79            39.16              712              11.875
        500851300                     360                     32.39                      100             44.6              630              10.875
        500851611                     180                        15                       90                0              681               14.25
        500851641                     180                     11.36                       90            41.73              747               12.75
        500851663                     180                     13.33                       90            40.62              747               12.75
        500851717                     180                     28.53                      100            36.87              664                12.5
        500851722                     180                        20                      100             48.5              620                11.5
        500851731                     180                        20                      100                0              811              12.475
        500851740                     180                        20                      100                0              730              11.125
        500851753                     180                        15                       95            36.16              642                 9.5
        500851899                     180                        20                      100            44.08              701              10.625
        500851918                     180                        10                       90             35.1              772              10.125
        500837347                     180                        15                       95            41.68              682                10.5
        500814045                     180                     20.68                      100                0              673                12.5
        500851964                     360                        20                      100            42.03              706                8.25
        500852006                     240                        20                      100            38.38              646               12.75
        500852002                     180                      6.54                    86.54            37.58              762                8.75
        500852034                     180                     32.53                    93.93            43.21              674                10.5
        500852047                     180                        20                       95            41.29              621                11.5
        500852058                     180                        20                      100            38.32              717               12.25
        500852108                     180                     19.99                    99.98                0              730               12.75
        500852114                     180                     14.99                    94.99            39.71              647              11.125
        500852118                     180                        20                      100            39.95              708              10.875
        500852121                     180                        20                      100            37.65              661              12.125
        500852206                     360                        15                       30            48.54              677                  11
        500852217                     180                        20                      100            40.57              633               12.75
        500852249                     180                        15                       95            43.59              663               9.875
        500852273                     180                     11.21                       90                0              687               10.25
        500852286                     180                     27.63                       95            42.53              663                11.5
        500852448                     180                        20                      100            34.28              685              10.875
        500852470                     180                        10                       90            26.74              800              11.875
        500852261                     360                        15                       95                0              659                  12
        500852500                     180                        20                      100                0              735              11.625
        500850527                     180                        20                       95            27.53              660               12.75
        500852742                     180                        20                      100            41.78              670                11.5
        500852790                     240                        20                      100            42.61              653               12.75
        500852826                     180                        20                      100                0              749              10.875
        500837455                     180                        10                       90            39.31              740               8.875
        500852838                     240                        15                       95            32.22              678               14.25
        500852859                     240                        20                      100            33.08              684               11.25
        500852862                     360                        15                       95                0              681                  11
        500852900                     180                        20                      100            48.15              646               12.75
        500852922                     240                        20                      100                0              743                13.5
        500822756                     180                        15                       95            42.17              740                  10
        500809235                     180                      9.97                    89.97            47.82              720                  11
        500853050                     360                     21.51                       95                0              704               14.25
        500853011                     360                        20                      100            39.98              743                10.5
        500849848                     180                        15                       95            45.78              633              12.625
        500853102                     360                        10                       90                0              691                11.5
        500849241                     180                        15                       95                0              688               11.25
        500852496                     360                        20                      100                0              733                  13
        500850722                     180                      39.3                       90            40.33              701                9.25
        500853173                     180                        20                      100                0              782              12.125
        500853179                     360                        20                      100            38.04              692                  14
        500853215                     180                        10                       90            40.28              689               13.25
        500853241                     360                     21.51                       95                0              704               14.25
        500853265                     180                        10                       90                0              725              11.625
        500851984                     180                        20                      100            44.53              669               12.25
        500853385                     180                        10                       90                0              706              10.875
        500853466                     180                     14.74                    94.74            36.61              680               10.25
        500853495                     180                        15                       95                0              690               9.375
        500853524                     360                        10                       90            42.61              663               9.125
        500853645                     180                        20                      100            26.32              620               13.75
        500848559                     180                     19.99                    99.69            43.31              708                11.5
        500853656                     180                        20                      100            38.85              671              10.625
        500848195                     180                        20                      100            44.47              650               14.25
        500853679                     180                        20                    86.49            28.48              633              10.875
        500852546                     180                        20                      100            44.86              621               14.25
        500851269                     360                        20                      100                0              775               11.75
        500834239                     180                        20                      100             44.8              701               10.25
        500853775                     180                        15                       95            44.36              690                 9.5
        500853793                     180                        20                      100                0              806              11.375
        500854044                     180                        20                      100             37.3              642               14.25
        500826636                     180                        15                       95                0              754              12.375
        500853664                     360                        20                      100            42.87              677                  12
        500853789                     360                      6.17                    79.86                0              664              10.375
        500854283                     180                        20                      100                0              735               11.75
        500794423                     360                        15                       95                0              792                 9.5
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        500854346                     180                        20                      100            43.57              713                  11
        500854349                     360                        20                    99.99            49.01              726                 8.5
        500854352                     180                     20.03                      100            22.17              768               8.125
        500854355                     180                     19.99                    99.99            33.19              734              12.125
        500854361                     180                     17.56                    63.51            32.17              669                8.25
        500854364                     180                        20                      100            29.92              728                10.5
        500854366                     180                        20                      100            32.88              738               7.875
        500854371                     180                        20                      100            49.89              733                13.5
        500854372                     180                     13.25                    93.25            41.73              695               9.875
        500854377                     180                        15                       95            43.44              736               9.625
        500854380                     180                        20                      100            30.68              809                8.75
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        500854387                     180                        15                       95            35.64              767               8.125
        500854388                     180                        20                      100            42.12              701                10.5
        500854390                     180                        20                    99.99            39.76              692              10.625
        500854391                     180                        20                      100            35.51              735                  10
        500854392                     180                        15                       95            36.36              809               8.125
        500854398                     360                        15                    94.99            30.83              745                 7.5
        500854402                     180                        20                      100            39.74              657                  11
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        500854410                     180                      6.26                    86.26            33.11              690               8.625
        500854413                     180                       6.6                    75.47            30.16              655               8.625
        500854416                     360                        20                      100            45.56              807               10.25
        500854417                     360                      27.4                    75.34             9.94              699                8.75
        500854420                     180                      14.5                     94.5            36.84              728               8.875
        500854421                     180                        20                    99.99            38.52              694              10.375
        500854424                     180                        15                       95            34.78              694               9.375
        500854425                     180                        20                      100            49.75              674                  11
        500854426                     180                        20                      100            43.81              718               10.75
        500854436                     180                      9.68                    89.68               41              651                 8.5
        500854438                     180                        20                      100            46.69              790               12.25
        500854444                     360                      9.38                    89.38            43.08              661                 7.5
        500854453                     180                       8.7                     88.7            28.86              627               9.375
        500854455                     180                     19.98                    99.97            36.98              723              10.375
        500854461                     180                     16.21                    86.21             39.1              782                 8.5
        500854467                     180                     14.99                    94.98            45.19              718               7.875
        500854473                     180                        15                       95            32.21              685               9.625
        500854479                     360                        20                      100            36.47              711                10.5
        500854481                     180                        10                       90            38.55              685                  10
        500854483                     180                        10                       90            34.65              706                  11
        500854488                     180                        20                      100            45.59              697               10.25
        500854491                     180                        20                      100            34.87              720                9.75
        500854492                     180                     19.44                       95            49.65              667                  10
        500854495                     180                        20                      100               34              787                  10
        500854496                     180                        10                       90            33.58              805                 7.5
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        500854509                     180                        15                       95            30.34              752               7.625
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        500854517                     180                     16.43                    85.83            41.32              705               8.875
        500854527                     180                        20                      100            38.98              767                  10
        500854535                     180                        15                       95            39.05              716               9.125
        500854542                     180                      7.31                    87.65            38.99              688               9.875
        500854543                     360                        20                      100            42.14              742              10.375
        500854545                     180                        20                      100            24.22              678               10.75
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        500855254                     180                        20                      100                0              740                  12
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        500855320                     180                        15                       90            21.97              670              11.375
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        500855414                     180                        20                      100                0              726                12.5
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        500855467                     180                        10                       90            41.38              678               9.375
        500855502                     180                        20                      100            42.81              649              13.875
        500855301                     180                        20                      100            48.55              631              12.625
        500855545                     180                        20                      100            41.21              641              13.875
        500855571                     180                        30                      100                0              792                12.5
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        500824622                     180                        20                      100            41.96              711               11.75
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        500850115                     180                        10                       90             40.4              763              10.875
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        500807276                     180                        10                       90            49.47              718                  13
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        500856645                     360                        20                      100            40.51              759               8.225
        500856700                     180                     14.99                    94.99                0              767                  12
        500856896                     180                        15                       95            39.67              683               14.25
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        500857088                     180                        20                      100            43.96              689               11.25
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        500857279                     180                     15.01                       95            34.72              705                  12
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        500857487                     180                        20                      100                0              685               12.25
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        500857542                     360                        15                       95                0              682              11.375
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        500857670                     180                        20                      100            36.49              726               9.625
        500816413                     180                        20                      100            42.28              694                 9.5
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        500857727                     360                        15                       90            37.57              637                  14
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        500849553                     180                        20                      100                0              689                  14
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        500859483                     180                        15                       95            36.98              680                  12
        500859519                     180                     19.99                    99.99                0              669              13.875
        500859497                     360                     15.62                       98            40.73              649               14.25
        500859563                     180                        20                      100            41.42              665              12.375
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        500859938                     180                        25                       95            35.01              703               13.25
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        500860430                     360                        20                      100            43.91              685              11.875
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        500861059                     180                        10                       90            39.37              631                11.5
        500861062                     180                     15.02                       95            35.26              665               10.25
        500861285                     360                        20                      100            29.62              675              11.875
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        500861968                     180                        20                      100                0              760              12.125
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        500862374                     180                        20                      100               29              631               11.75
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        500862636                     180                        15                       95            38.37              628                10.5
        500862646                     180                        15                       95            42.07              699              10.375
        500824212                     360                     35.65                    89.74             43.3              668                  11
        500825028                     180                        20                      100                0              672               12.25
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        500862963                     360                        20                      100            38.57              642                10.5
        500821783                     180                        15                       95                0              761               11.25
        500857070                     180                      9.44                    89.44            43.82              724                 8.5
        500863545                     180                        20                      100            33.45              654               11.75
        500863733                     180                        20                      100            45.55              722               10.25
        500863739                     180                      5.26                    89.47             43.5              647                11.5
        500863747                     180                        20                      100            38.18              643                12.5
        500863882                     240                        20                      100                0              722                  12
        500826311                     180                        20                      100               41              627                12.5
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        500864164                     180                        15                       90             33.6              675               14.25
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        500864248                     180                        15                       90            37.76              683              11.625
        500864317                     180                        15                       90            37.76              683              11.625
        500864360                     180                        15                       95                0              715               11.75
        500864368                     180                        15                       90            37.76              683              11.625
        500849677                     180                        20                      100               44              621              10.625
        500864534                     180                        10                       90            25.06              672                9.75
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        500864816                     180                        20                      100                0              682               14.25
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        500864969                     180                        20                      100            49.61              702                  11
        500864975                     180                        20                      100            40.81              696               10.75
        500864981                     360                        20                      100            25.81              771                 9.5
        500864982                     180                        15                       95            41.34              671                8.75
        500864989                     180                        15                       95            37.78              716               9.875
        500865004                     180                        15                       95            25.49              793               8.625
        500865009                     180                        15                       95            22.95              743               8.875
        500865010                     180                        10                       90            32.05              689               11.25
        500865014                     180                        15                       95            36.54              738               8.875
        500865015                     180                     13.49                    93.49            27.81              676               7.875
        500865018                     360                     21.47                       87            42.64              694               10.25
        500865019                     360                        20                      100            40.09              688              11.375
        500865020                     180                        15                       95            47.44              718               8.625
        500865032                     180                        20                      100            43.49              706                  11
        500856596                     180                        20                      100            40.52              621               13.75
        500865252                     180                        20                      100            41.74              701               11.75
        500865313                     360                        20                      100            42.94              660              11.875
        500865485                     180                        20                      100                0              673               13.75
        500865488                     180                        20                      100                0              705              11.375
        500855034                     180                        20                      100            33.01              757                8.99
        500827819                     180                     12.11                    92.11            41.84              733              10.125
        500868043                     360                        20                      100            42.84              663              12.875
        500868299                     180                      3.06                    83.06            45.07              662               10.75
        500825675                     180                        25                       95            42.37              670               14.25
        500842354                     180                      22.5                    89.13            24.34              672               12.25
        500848874                     180                        20                      100                0              739                  12
        500831463                     180                     19.96                    94.95            42.26              760                  12
        500816281                     360                        15                       95            36.85              669              14.125
        500871361                     180                        20                      100            42.63              671              12.375
        407338556                     180                        20                       95                0              748               9.875
        408417698                     180                     27.92                    94.84            45.47              714                8.75
        408417699                     180                     19.93                    99.66             46.7              722               9.875
        408417700                     180                        20                      100            40.75              662               8.625
        408417701                     180                        20                      100               45              664               8.875
        408417704                     180                        20                      100            44.15              681               9.875
        408417705                     180                     14.86                    88.86             47.9              672               8.875
        408417706                     180                        20                      100            45.35              672               8.875
        408417711                     180                      7.46                    86.98               44              674              10.125
        408417713                     180                        20                      100            49.59              672               9.375
        408417714                     180                        15                       95            52.23              794                7.25
        408417724                     180                     24.19                    97.54            46.71              672                 9.5
        408417725                     180                        15                       90            37.06              676              10.125
        408417728                     180                     10.02                    89.82            45.77              644                9.25
        408417731                     180                     11.25                    82.75             40.3              670               9.625
        408417732                     180                     20.01                       95            44.66              766               10.75
        408417735                     180                        20                       95            31.21              710                 9.5
        408417736                     180                        20                       95            41.57              676              10.625
        408417737                     180                        15                       95               50              674                   8
        408417738                     180                        20                      100            49.04              715                 9.5
        408417743                     180                     15.84                    94.74            49.71              745              10.875
        408417746                     180                     22.91                    99.27            37.41              698              10.125
        408417748                     180                        15                       95             42.6              683                  10
        408417751                     180                        20                      100            40.53              691              10.375
        408417753                     180                        20                      100            42.57              687              10.125
        408417757                     180                        20                      100            39.27              680              10.125
        408417758                     180                        10                       90            32.93              738              10.125
        408417759                     180                     15.01                       90            48.74              678                   9
        408417760                     180                         8                       80            38.19              673              10.125
        408417761                     180                        20                      100               36              687              10.125
        408417765                     180                     14.98                    94.96            45.32              678                9.25
        408417766                     180                        20                    99.94            47.87              669                 9.5
        408417767                     180                        20                      100             40.8              683               10.75
        408417768                     180                        20                      100            37.91              684              10.125
        408417770                     180                        10                       90            47.54              653                8.75
        408417773                     180                        20                    94.98            40.86              729               10.25
        408417779                     180                        20                      100               38              696              10.125
        408417782                     180                        12                       90               33              662              10.125
        408417785                     180                     15.01                       95               43              790              10.625
        408417789                     180                     14.18                       90             23.6              664              10.125
        408417797                     180                        10                       90            37.62              667                11.5
        408417801                     180                     25.34                      100               49              727              10.125
        408417805                     180                        20                      100            37.12              688              10.125
        408417809                     180                        20                      100               45              686              10.125
        408417810                     180                     14.99                    94.99            24.26              800                  11
        408417811                     180                        10                       90            38.66              662              10.125
        408417814                     180                     16.08                    94.98            50.27              723                   8
        408417815                     180                        10                       90            43.46              674              10.125
        408417816                     180                     15.57                       95            29.07              686              10.625
        408417819                     180                     15.29                    89.43               47              676               8.375
        408417822                     180                        20                      100               34              699              10.125
        408417824                     180                     29.09                      100               43              698              10.125
        408417825                     180                        20                       95            44.26              683              10.625
        408417828                     180                        20                      100            28.67              691              10.125
        408417830                     180                        20                      100            40.86              682               9.625
        408417833                     180                        20                      100            37.69              689              10.125
        408417834                     180                     13.88                    93.88             48.4              679                   9
        408417835                     180                     18.27                    98.27            36.51              692              10.375
        408417836                     180                        15                       95            26.09              809                 9.5
        408417845                     180                        20                      100            40.28              691              10.375
        408417848                     180                      9.18                    89.18            44.86              674              10.125
        408417849                     180                        20                      100            45.25              776               9.875
        408417850                     180                        10                       90               45              665              10.125
        408417852                     180                        20                      100            43.27              681              10.125
        408417855                     180                        20                       90            32.58              681              10.375
        408417856                     180                        20                      100            37.12              683              10.125
        408417858                     180                        20                      100            48.12              672                 9.5
        408417865                     180                     12.07                       90            28.42              629                9.25
        408417866                     180                      6.94                    86.94             37.4              674              10.125
        408417869                     180                        20                      100            47.77              678               9.375
        408417870                     180                        20                      100            43.94              690              10.125
        408417872                     180                        10                       90            32.89              664              10.125
        408417873                     180                     22.11                    84.35             44.3              678              10.375
        408417874                     180                     19.99                    99.99            41.02              694              10.125
        408417875                     180                     12.36                    91.34            46.54              673               9.375
        408417879                     180                        15                       95             42.7              799              10.625
        408417880                     180                        10                       90             37.9              659               9.625
        408417882                     180                     20.57                      100            45.26              737               9.875
        408417886                     180                     27.27                    95.64            46.84              693              11.125
        408417890                     180                        20                      100            47.22              683                10.5
        408417893                     180                     21.32                      100            26.15              680               9.875
        408417894                     180                        10                       90            38.45              676              10.125
        408417895                     180                      7.14                       80               50              670              13.375
        408417899                     180                      8.46                    88.46               37              742               10.75
        408417900                     180                        20                      100            49.46              676               9.125
        408417901                     180                        10                       90            43.12              669              10.125
        408417905                     180                        20                      100            42.68              684              10.875
        408417909                     180                     27.82                    99.98               25              687              10.125
        408417910                     180                        20                      100            40.43              691              10.125
        408417911                     180                     17.15                    90.01            47.15              756                   9
        408417912                     180                        20                      100             40.2              684              10.375
        408417916                     180                        20                      100            48.68              674               9.375
        408417917                     180                        20                      100            48.53              717               9.125
        408417918                     180                     28.29                      100             39.6              699              10.375
        408417921                     180                        20                    98.24               44              680              10.125
        408417922                     180                     18.05                    94.97             44.7              680               9.625
        408417925                     180                        20                      100            38.81              688              10.125
        408417929                     180                        20                      100            38.15              687              10.125
        408417933                     180                        20                      100            38.53              681              10.125
        408417938                     180                        20                      100            42.52              682                10.5
        408417940                     180                        20                      100            37.58              683              10.625
        408417941                     180                        10                       90            44.66              670              10.125
        408417947                     180                        10                       90            38.63              665              10.125
        408417953                     180                        20                      100            48.25              720                10.5
        408417955                     180                        20                      100               35              690              10.125
        408417959                     180                        20                      100            39.75              686              10.125
        408417962                     180                     16.92                    67.69            36.43              661              11.375
        408417963                     180                        10                       90            44.61              650                9.25
        408417973                     180                     14.18                    89.18               32              669              10.375
        408417974                     180                        20                      100            39.52              681              10.375
        408417977                     180                        15                       95            39.34              655                10.5
        408417979                     180                        10                       90            43.57              674              10.125
        408417980                     180                        20                      100            38.71              684              10.625
        408417982                     180                     28.45                      100            48.77              677               9.125
        408417986                     180                      9.98                    89.97               36              665              10.125
        408417987                     180                        15                       95               37              698               9.625
        408417990                     180                     28.87                     99.7            40.97              688              11.625
        408417998                     180                        10                       90             37.9              673                10.5
        408418006                     180                        20                      100            39.94              682              10.125
        408418011                     180                     19.99                    99.98            44.45              688              10.125
        408418014                     180                        20                      100               38              697              10.375
        408418016                     180                        10                       90             44.7              670              10.125
        408418017                     180                     37.44                    93.15             43.4              695               9.875
        408418024                     180                        10                       90            32.24              785                  10
        408418025                     180                        15                       95             34.8              732                8.75
        408418026                     180                        10                       90            44.63              660              10.625
        408418027                     180                     31.73                    88.09               20              767                8.75
        408418028                     180                        20                      100            43.06              684              10.125
        408418030                     180                      12.7                     93.9               46              667                9.25
        408418033                     180                         5                       80            42.98              678              10.375
        408418039                     180                        20                      100            36.98              679              10.875
        408418041                     180                        20                      100               41              698              10.125
        408418044                     180                     14.25                    94.25               42              698               8.875
        408418045                     180                        20                      100             39.1              694              10.125
        408418046                     180                        15                       90            44.42              672              10.875
        408418050                     180                     19.35                    99.35               40              682               9.875
        408418051                     180                        20                      100            42.04              693              10.375
        408418053                     180                        10                       90            38.55              671               10.75
        408418056                     180                     25.36                    99.84            36.93              696              10.375
        408418060                     180                     23.44                    99.17               47              743                9.75
        408418066                     180                        15                       95            46.33              676               9.875
        408418067                     180                     27.78                       90            37.22              665              10.875
        408418068                     180                      6.94                    86.94            47.96              673                10.5
        408418071                     180                     25.32                    92.15            43.57              697               9.875
        408418073                     180                        10                       90            43.35              655               9.875
        408418077                     180                        20                      100            43.31              691              10.125
        408436615                     180                        20                      100            36.27              672              10.125
        408436616                     180                        20                      100            45.66              688               10.99
        408436618                     180                        10                       90            50.03              714               11.25
        408436619                     180                     15.06                       90                0              710                  11
        408436625                     180                        15                       95            18.91              762               12.49
        408436627                     180                        10                       90            37.24              680               13.24
        408436631                     180                        20                      100            41.97              717                  10
        408436633                     180                        15                       95             39.1              741                  12
        408436634                     180                        20                      100            44.84              675              10.375
        408436635                     180                        20                      100            44.66              672              10.125
        408436637                     180                        20                      100            38.66              755               11.75
        408436640                     180                        20                      100            47.07              710               11.75
        408436647                     180                        20                      100                0              706              12.125
        408436650                     180                        20                      100             6.24              676              10.125
        408436652                     180                        15                       95                0              780              13.125
        408436654                     180                        20                      100            46.63              692                9.75
        408436655                     180                        20                      100                0              750              12.125
        408436658                     180                        20                      100            47.51              671               10.25
        408436659                     360                     14.47                    91.66             39.1              736               11.25
        408436660                     360                     14.47                    91.66             39.1              736               11.25
        408436661                     360                        15                       95            41.65              736               11.25
        408436671                     180                        20                      100             40.6              684                9.99
        408436679                     180                        18                       98             40.8              657               10.25
        408436681                     180                     29.36                    97.45            48.01              691                  11
        408436682                     180                        20                      100            43.18              705               11.75
        408436683                     180                        20                      100            46.02              784               11.75
        408436688                     180                        20                      100             49.7              707                 9.5
        408436690                     180                        20                      100            47.15              683                9.99
        408436693                     180                        10                       90            37.38              694                 9.5
        408436697                     180                        20                      100               50              732                9.99
        408436700                     180                        20                      100                0              662              12.625
        408436701                     180                        20                      100            44.02              650               10.25
        408436702                     180                        15                       95            38.89              653               10.25
        408436703                     180                        20                      100            46.25              689                9.75
        408436704                     180                        20                      100               40              678               9.875
        408436705                     180                        20                      100            37.15              691               10.25
        408436706                     180                        20                      100             42.6              687                9.75
        408436707                     180                     14.97                    94.97            42.13              690               11.99
        408436709                     180                        20                      100                0              679              12.125
        408436713                     180                        20                      100            38.93              719                 9.5
        408436716                     180                        20                      100            32.99              673              10.875
        408436720                     180                        20                      100            42.34              669               9.875
        408436721                     180                        20                      100             49.1              763               11.75
        408436722                     180                      12.5                     92.5            34.83              691               10.99
        408436723                     180                        20                      100            39.42              732                 9.5
        408436725                     180                        20                      100            45.03              708                 9.5
        408436726                     180                        20                      100                0              699              12.125
        408436731                     180                        20                      100             42.9              683                9.75
        408436732                     180                        20                      100            47.23              702                9.75
        408436738                     180                        20                      100            39.28              695               9.875
        408436739                     180                        20                      100            43.17              698                 9.5
        408436740                     180                        20                      100            40.64              690                  10
        408436744                     180                        20                      100            35.38              674               9.875
        408436745                     180                        20                      100            29.72              714                 9.5
        408436750                     180                        20                      100                0              686              12.125
        408436751                     180                        20                      100            49.05              713                  10
        408436754                     180                        20                      100            38.65              687                9.99
        408436764                     180                        20                      100                0              704                  12
        408436765                     180                        10                       90            20.13              659               11.75
        408436769                     180                        20                      100            46.83              693                9.75
        408436771                     180                        20                      100            42.54              677              10.875
        408436772                     180                        20                      100            48.39              667              10.875
        408436788                     180                        15                       95            44.78              661               9.875
        408436789                     180                        20                      100            37.23              697                9.75
        408436794                     180                        20                      100            43.52              698                9.99
        408436796                     180                        20                      100            39.82              708                10.5
        408436797                     180                        20                      100            38.96              777               11.25
        408436799                     180                        20                      100            28.12              717                9.75
        408436801                     180                     19.74                    99.74             39.7              654               9.875
        408436802                     180                        20                      100            39.16              678               9.875
        408436806                     180                        10                       90                0              654                  12
        408436809                     180                        20                      100             38.7              697                9.99
        408436810                     180                        20                      100            45.83              710                9.75
        408436818                     180                        20                      100            39.54              710                 9.5
        408436820                     180                        20                      100            42.76              672              10.875
        408436822                     180                        20                      100            49.78              671                9.99
        408436829                     360                        15                       95            41.85              736               11.25
        408436837                     180                        10                       90            45.67              709               10.99
        408436838                     180                     18.35                    98.35            40.85              634               11.25
        408436839                     180                        20                      100            45.31              677               11.25
        408436843                     180                        20                      100            47.81              683                9.75
        408436846                     180                        20                      100            37.52              700                9.99
        408436849                     180                     19.96                     99.8             38.1              698                9.99
        408436851                     180                        20                      100            44.33              703                  10
        408436852                     180                        15                       95            39.21              683                 9.5
        408436857                     180                        20                      100            40.64              698                  10
        408436858                     180                        20                      100                0              692               12.25
        408436862                     180                        20                      100                0              749                12.5
        408436863                     180                     15.38                       95                0              693               12.25
        408436867                     180                        20                      100            40.41              738                 9.5
        408436868                     180                        10                       90            47.58              792               11.99
        408436869                     180                        20                      100             44.2              693                9.99
        408436872                     180                        20                      100            44.41              688               10.25
        408436873                     180                        20                      100            16.23              674               9.875
        408436874                     180                        20                      100            46.08              702                9.75
        408436878                     180                        20                      100                0              734               12.25
        408436880                     180                        20                      100            42.26              691                9.75
        408436882                     180                        20                      100            38.07              724                 9.5
        408436889                     180                        20                      100            42.19              681                9.99
        408436900                     180                        20                      100            41.56              700                9.75
        408436901                     180                        20                      100            42.72              775                9.75
        408436910                     180                        20                      100            37.05              754               11.75
        408436914                     180                        20                      100                0              703                12.5
        408436920                     180                     19.61                    89.89                0              702              10.875
        408436923                     180                        20                      100            44.62              713                9.75
        408436924                     180                        20                      100            50.59              706                9.75
        408436929                     180                        20                      100            44.39              694               10.25
        408436930                     180                        20                      100            44.86              704                9.75
        408436933                     180                        20                      100                0              703                  12
        408436934                     180                        20                      100            43.62              691               12.25
        408436940                     180                        20                      100                0              770                  12
        408436948                     180                        20                      100            41.79              683                9.75
        408436950                     180                        20                      100            42.87              682                9.75
        408436951                     180                        20                      100            28.64              700                  10
        408436954                     180                        20                      100                0              694               12.75
        408436957                     180                        20                      100            35.29              731                 9.5
        408436958                     180                        20                      100            33.57              713                 9.5
        408436960                     180                        20                      100                0              784               12.75
        408436967                     180                        20                      100            34.39              651               10.25
        408436968                     180                        20                      100            44.64              655              10.125
        408436971                     180                        20                      100             38.7              672               9.875
        408436974                     180                        20                      100             41.9              798                  10
        408436975                     180                        20                      100            33.81              761                9.75
        408436976                     180                        15                       95               56              657               10.25
        408436978                     180                        20                      100               39              771                 9.5
        408436981                     180                        20                      100            39.82              641                10.5
        408436983                     180                        20                      100            43.42              682                9.75
        408436984                     180                        20                      100            36.63              770                 9.5
        408436988                     180                        20                      100            41.43              718                9.99
        408436990                     180                        20                      100            53.63              738                9.75
        408436991                     180                        20                      100            45.74              729               11.75
        408436993                     180                        20                      100            35.13              748               10.75
        408436997                     180                        20                      100            44.79              750                  10
        408436999                     180                        10                       90            42.58              650               10.25
        408437002                     180                        20                      100            43.76              721                 9.5
        408437003                     180                        20                      100            39.11              731                 9.5
        408437004                     180                        20                      100            36.06              721                  10
        408437005                     180                        20                      100            38.22              745                 9.5
        408437008                     180                        20                      100            42.19              789               10.99
        408437014                     180                        20                      100            44.01              743                9.75
        408437015                     180                        20                      100            43.78              679              10.125
        408437016                     180                        20                      100                0              684               12.25
        408437017                     180                        20                      100            34.35              696                9.75
        408437019                     180                        20                      100            31.17              713                 9.5
        408437020                     180                        20                      100                0              716               12.25
        408437022                     180                        20                      100            28.88              745                9.75
        408437023                     180                        20                      100            40.24              677               9.875
        408437025                     180                      5.92                    85.92                0              654                  11
        408437032                     180                        20                      100               44              689               9.875
        408437034                     180                        20                      100                0              765               12.25
        408437035                     180                        20                      100               34              759                9.75
        408437038                     180                        15                       95            42.28              677               14.99
        408437043                     180                        20                      100            41.62              760                 9.5
        408437044                     180                        20                      100            39.99              738                 9.5
        408437045                     180                        20                      100            41.35              731                 9.5
        408437046                     180                        20                      100            42.13              684               10.25
        408437047                     180                        10                       90            37.87              664                  10
        408437048                     180                        20                      100            39.61              733                  10
        408437051                     180                        20                      100            40.11              662              10.125
        408437054                     180                        20                      100            40.93              693                9.75
        408437055                     180                        20                      100                0              771               12.75
        408437056                     180                        20                      100            48.47              686                9.75
        408437062                     180                        20                      100            45.84              676               9.875
        408437064                     180                        20                      100            45.15              741                  10
        408437069                     180                        20                      100            39.84              769                9.75
        408437070                     180                        20                      100            39.13              759                  10
        408509569                     180                        20                      100                0              686                  13
        408509570                     180                        10                       90                0              733                12.5
        408509574                     180                        10                       90            41.99              777                  11
        408509575                     180                        10                       90             44.7              779                  11
        408509577                     180                        20                      100                0              747               11.91
        408509579                     180                        20                      100                0              705                  12
        408509582                     180                        20                       90            41.84              659                11.5
        408509591                     180                        20                      100             25.5              791                  11
        408509593                     360                        20                      100                0              678               13.25
        408509595                     180                        10                       90            44.12              674              11.375
        408509596                     180                        10                       90            36.69              691              13.125
        408509597                     180                        20                      100            42.29              743              11.125
        408509599                     180                     25.54                      100            43.63              671               11.75
        408509600                     180                        20                      100                0              778                11.5
        408509601                     180                        20                      100             43.9              676              11.875
        408509604                     180                        15                       95            35.35              758                  11
        408509605                     360                      8.79                    88.79            42.23              648              12.375
        408509608                     180                        20                      100            42.48              712               11.25
        408525599                     180                        20                      100             44.6              711                10.5
        408525605                     180                        20                      100             35.7              672                12.5
        408525610                     360                        20                    99.99             30.2              719              11.375
        408560267                     180                        20                      100            38.65              674              10.375
        408560280                     180                        20                      100            38.61              705               9.875
        408560285                     180                        20                      100            45.81              736               10.55
        408581348                     180                     14.98                    94.97            33.57              759               9.875
        408581349                     180                        20                      100            43.03              697              10.125
        408581350                     180                     15.02                    94.99             44.9              772                  10
        408581353                     180                     19.83                    99.72            34.87              676               9.625
        408581354                     180                        20                      100               44              667                 9.5
        408581357                     180                     20.01                      100            48.35              735               8.875
        408581358                     180                        20                      100            20.62              686              10.125
        408581359                     180                     25.29                    94.31            42.46              699              10.625
        408581360                     180                     19.99                    99.98            43.08              685              10.125
        408581361                     180                        10                       90               43              663              10.375
        408581362                     180                     19.99                    99.93            44.42              663               9.125
        408581364                     180                     25.13                    89.84            46.43              662               10.75
        408581366                     180                     23.77                    99.94            36.96              682              10.625
        408581368                     180                        20                    99.99               36              686              10.125
        408581370                     180                     15.19                    60.68            49.48              671               7.875
        408581372                     180                        20                      100            48.78              691                10.5
        408581373                     180                        20                      100            47.11              672                9.75
        408581374                     180                        20                      100            40.89              678              10.875
        408581376                     180                        20                      100            49.69              662                9.75
        408581377                     180                     17.66                    92.66            48.81              795                   9
        408581378                     180                        20                      100            42.96              699              10.375
        408581379                     180                        20                      100            49.47              699                10.5
        408581380                     180                        20                      100             33.7              697              10.125
        408581381                     180                        20                      100            46.57              791              10.125
        408581382                     180                        20                       90            27.92              707               8.875
        408581384                     180                     19.81                    98.81               50              650                 9.5
        408581385                     180                        10                       90            33.87              662              10.125
        408581386                     180                        20                      100               36              694              10.125
        408581388                     180                        20                      100               41              690              10.375
        408581390                     180                        10                       90               45              669                10.5
        408581391                     180                        20                      100            40.74              691              10.125
        408581392                     180                      19.2                       96            49.93              661                9.75
        408581393                     180                        20                    99.99            50.91              672                9.75
        408581396                     180                     21.88                      100            46.74              694               10.75
        408581397                     180                        20                      100            46.08              716              10.125
        408581398                     180                     24.62                    92.17            42.83              692                11.5
        408581399                     180                     22.06                      100               40              686              10.125
        408581400                     180                        20                      100            46.24              769              10.125
        408581401                     180                        15                       95               36              790                 9.5
        408581402                     180                        20                      100            38.56              683              10.375
        408581403                     180                        20                      100            41.47              680              10.375
        408581404                     180                        15                       95            33.94              712                10.5
        408581405                     180                        15                       95            29.16              806                10.5
        408581406                     180                        20                      100            37.06              691              10.375
        408581407                     180                        20                      100            39.88              684              10.125
        408581409                     180                        20                      100            44.68              694              10.125
        408581410                     180                        20                      100               40              691              10.375
        408581413                     180                     26.79                    93.91            47.06              694               9.875
        408581414                     180                        20                      100            38.92              661               9.375
        408581415                     180                        20                      100            40.91              683              10.375
        408581416                     180                        15                       90            38.44              669              10.375
        408581417                     180                      6.57                    86.57            36.54              664                  11
        408581418                     180                        20                      100            48.71              661                9.75
        408581420                     180                        15                       95            49.98              662                9.25
        408581421                     180                        20                      100             38.1              684              10.375
        408581422                     180                        15                       95               42              784              10.875
        408581423                     180                        20                      100            36.78              697              10.375
        408581424                     180                        10                       90               46              671               10.75
        408581425                     180                        15                       95               37              744                9.75
        408581427                     180                        20                      100            48.48              665                9.75
        408581429                     180                        20                      100            45.75              660                9.75
        408581430                     180                        20                      100            47.85              660               8.875
        408581432                     180                     20.01                      100            36.77              723                10.5
        408581433                     180                        10                       90            36.36              666               9.625
        408581434                     180                        20                      100            48.77              719              10.625
        408581435                     180                        20                      100            47.53              723              10.625
        408581436                     180                        20                      100            32.02              681              11.375
        408581437                     180                        20                      100            41.89              688              10.375
        408581439                     180                        20                      100               34              697              10.375
        408581440                     180                        20                    99.94            44.36              680              10.375
        408581441                     180                        20                      100            48.25              706                9.75
        408581442                     180                     21.26                      100             43.3              694              10.125
        408581445                     180                        20                      100            49.96              680              11.125
        408581447                     180                        20                      100            44.16              692              10.375
        408581448                     180                        25                       95            44.09              739                10.5
        408581450                     180                        20                      100            41.55              744                9.75
        408581451                     180                     20.95                      100            42.93              694              10.375
        408581452                     180                        20                      100               41              681              10.375
        408581453                     180                        20                      100            44.88              694               9.875
        408581454                     180                        15                       95            47.14              733               9.625
        408581455                     180                        20                      100            46.69              673                9.75
        408581456                     180                     20.63                      100            47.98              685               10.75
        408581457                     180                     14.98                    89.98               33              671              10.625
        408581458                     180                        20                      100            35.28              696              10.375
        408581459                     180                     14.98                    94.98            33.11              779                10.5
        408581460                     180                      7.65                       85            39.95              679              10.375
        408581461                     180                     20.69                    99.97            38.43              686              10.375
        408581464                     180                        20                      100            30.86              684              11.875
        408581465                     180                        20                      100            29.61              726              10.625
        408581469                     180                        20                      100            40.27              682              10.375
        408647999                     180                      8.96                    53.84            29.24              733                 8.5
        408752090                     180                        15                       95            43.61              732                12.5
        408752091                     180                        20                      100                0              728              11.625
        408752094                     180                        20                      100            42.03              683               12.75
        408752096                     180                        20                      100            35.39              724              10.875
        408752097                     180                        10                       90            36.24              666               12.75
        408752098                     180                        20                      100               44              683                  13
        408752099                     180                        15                       95            40.95              685                  12
        408752100                     180                      7.41                    87.41                0              680               10.75
        408752101                     180                        20                      100                0              688              12.625
        408752103                     180                        20                    99.99                0              681                  13
        408752104                     180                        20                      100            37.34              680                11.5
        408752105                     180                        20                      100                0              770              12.625
        408752107                     180                        10                       90            40.01              681              12.375
        408752109                     180                        15                       95            42.47              788              11.875
        408752112                     240                     20.58                    88.85            35.22              663              10.875
        408752113                     180                        20                      100            41.96              729              11.875
        408752115                     180                     19.99                    99.99            47.46              697                9.75
        408752116                     180                        20                       95            48.17              654               12.25
        408752117                     180                        20                      100            40.36              696                12.5
        408752118                     180                        15                       95            22.11              773                12.5
        408752122                     360                        10                       90            49.64              721              11.875
        408752123                     180                     20.02                    99.99                0              771                11.5
        408752125                     180                        15                       95            28.88              674              12.875
        408752126                     180                        20                      100                0              761              10.625
        408770509                     180                        10                    89.99            22.76              765                   9
        408770511                     180                        20                      100                0              660                12.5
        408770513                     360                        20                      100                0              673              12.625
        408770514                     180                        15                       95             49.8              675                8.75
        408770515                     180                        20                      100                0              690              11.375
        408770516                     180                        15                       95            43.49              708               8.625
        408770520                     180                        20                      100            38.01              677              11.625
        408770521                     180                        20                      100                0              691                11.5
        408770522                     180                        20                      100                0              652                12.5
        408770523                     180                        20                      100                0              682               11.25
        408770525                     180                        20                      100            39.69              794              11.625
        408770527                     360                        15                       95            43.18              668              12.375
        408770529                     180                        20                      100                0              666              13.125
        408770530                     180                        20                      100                0              789              13.375
        408770531                     180                        20                      100                0              712              10.875
        408770532                     180                        15                       95            48.91              767               8.625
        408770533                     180                        20                      100                0              692                  11
        408770534                     360                        20                      100                0              804               12.75
        408770536                     180                        20                      100            44.02              671               11.25
        408770540                     180                        20                      100            41.86              671              11.875
        408770541                     180                        20                      100                0              778               10.25
        408770542                     180                        20                      100               43              733                8.75
        408770545                     180                        20                      100            47.96              675              10.125
        408770546                     180                        20                      100            42.22              672               12.75
        408770549                     180                        20                      100            45.13              664                9.75
        408770552                     180                        15                       95             34.8              792                7.75
        408770553                     360                        20                      100            46.56              699                  11
        408770554                     180                        15                       95               43              663              11.875
        408770556                     180                        20                      100                0              671              13.375
        408770557                     180                        15                       95            52.58              687               9.625
        408771626                     180                        20                    99.99            39.45              684              10.875
        408771627                     360                     46.23                    99.99            47.24              726              10.125
        408771628                     180                        15                       95            47.17              689              11.625
        408771629                     180                     13.91                     84.5            40.49              768                8.75
        408771630                     180                     16.59                       95            43.62              725                 9.5
        408771631                     360                        10                       90            47.68              729                 8.5
        408771632                     180                      6.23                    75.82            43.95              671               9.625
        408771633                     180                     19.99                    99.99            47.55              730               9.875
        408771635                     180                     23.45                    98.45            34.37              768               9.375
        408771636                     180                        20                      100            33.97              736                9.75
        408771637                     240                      9.48                    43.86             46.6              660                   9
        408771638                     360                        20                      100            47.87              744              10.625
        408771640                     180                     25.63                    91.83            51.47              675              11.499
        408771641                     180                        10                       90            46.34              752               8.625
        408771642                     180                       2.5                     77.5            37.78              707               9.375
        408771643                     360                        20                      100            47.85              744                9.75
        408771644                     360                        15                       95            29.74              686                9.75
        408771645                     180                        15                       95            49.58              711                10.5
        408771646                     180                        20                      100            31.83              753                 9.5
        408771647                     180                     23.95                    94.67            43.83              674              11.749
        408771648                     180                     14.83                       90            38.44              699               9.624
        408771650                     180                        15                       95            45.56              719               9.625
        408771651                     180                     16.07                    90.54             32.2              720                 9.5
        408771652                     360                        15                       95            27.62              780               8.749
        408771653                     360                        10                       90            35.14              730               9.375
        408771654                     240                     15.79                    97.06            44.14              689              11.375
        408771657                     180                        20                    99.99               49              723               9.125
        408771658                     180                        20                      100            46.95              696                  10
        408771659                     360                        15                       95            49.47              674                  11
        408771661                     360                        20                      100            49.72              766               9.875
        408771662                     180                        20                      100            45.85              747               9.875
        408771663                     180                        20                      100            48.31              702                  11
        408771664                     180                        20                      100            43.66              681               11.25
        408771666                     180                      8.17                    88.17            44.57              658                   9
        408785807                     180                        20                      100            39.72              740                  12
        408785808                     180                        20                      100             32.2              681              10.625
        408785809                     180                     24.51                    99.51            43.49              700                  11
        408785812                     300                        10                       90                0              703              10.375
        408785816                     180                        20                      100            42.14              720              10.625
        408785818                     180                     14.98                    94.96             32.6              706              10.125
        408785819                     180                     18.38                    98.38            30.13              672              12.875
        408785820                     180                        15                       95            36.21              712               9.875
        408785821                     180                        20                      100            42.08              673              12.875
        408785822                     180                        20                      100            45.77              688              12.375
        408785823                     300                        20                      100            35.57              813              11.875
        408785824                     180                     13.33                    68.21            27.51              707                8.75
        408785826                     300                        20                      100            41.79              761              10.375
        408785828                     180                        12                       90            48.69              734                9.75
        408785829                     180                        20                      100            44.26              707              13.125
        408785830                     180                        20                      100            38.13              688              12.375
        408785831                     180                        20                      100            49.06              681               9.875
        408785833                     300                        10                       90            48.74              708              10.375
        408785835                     180                        20                      100            44.32              745               8.625
        408785836                     180                        20                      100                0              682               12.75
        408785837                     180                     14.98                    94.97            35.05              679               9.875
        408785839                     300                        20                      100               38              699              11.375
        408785842                     180                        20                      100            49.61              755              12.375
        408785843                     180                     19.23                    40.22            38.18              708               8.625
        408785844                     180                      30.5                      100            33.71              676               10.75
        408785845                     180                        20                      100            44.84              753              12.125
        408785846                     300                        20                      100            37.03              741              10.375
        408785847                     300                        10                       90            39.75              703               10.75
        408785848                     180                        20                      100                0              724              12.125
        408785850                     180                     19.99                    99.99                0              681              12.875
        408785851                     300                     19.99                    99.99            35.34              675              12.125
        408785852                     180                        20                       90            33.76              727                  10
        408785853                     300                        10                       90            39.45              745              10.375
        408785854                     180                     21.13                    88.01            38.48              656               10.25
        408785855                     180                        20                      100            38.65              698              13.125
        408785856                     180                        20                      100            39.97              761              10.125
        408785857                     180                        15                       95            37.96              671                12.5
        408785858                     180                        10                       90            44.81              753              10.125
        408785859                     180                        20                      100            12.66              686              11.125
        408785860                     180                     39.38                    99.24            47.16              670                  13
        408785861                     180                        20                      100            36.85              751               9.875
        408785863                     180                        20                      100            43.94              758              11.625
        408785865                     180                        20                      100            31.33              757               10.75
        408785866                     180                        20                      100            28.54              693               13.25
        408785867                     180                        20                       90            35.74              708                  10
        408785869                     300                        20                      100            46.78              681              11.375
        408785870                     180                        20                      100            27.57              704              12.125
        408785871                     180                      6.91                     81.7            48.18              704                 9.5
        408785873                     180                        20                      100            49.91              783                  10
        408785874                     180                        15                       95                0              676              12.875
        408785875                     180                      22.4                      100            32.66              691              10.125
        408785876                     180                      3.51                    82.46            41.34              747               8.375
        408785877                     300                        15                       90                0              724               11.25
        408785878                     180                        10                       90            30.13              711               12.25
        408785879                     180                     10.08                    89.99            39.41              780              11.125
        408785880                     180                        15                       95            40.08              709              12.875
        408785882                     180                     23.65                       95            31.64              660               10.25
        408785883                     300                        20                      100            46.44              682                11.5
        408785884                     180                        15                       95             37.9              671                12.5
        408785885                     180                     16.34                    78.85               50              688                 9.5
        408785886                     180                        10                       90               31              706              10.625
        408785887                     180                        20                      100            38.32              690               9.625
        408785889                     180                        15                       95            25.53              791               9.375
        408785890                     180                     14.99                    94.99             40.7              704                 8.5
        408785891                     180                        20                      100            32.64              785                  11
        408785893                     180                        10                       90            28.98              710              10.625
        408785894                     180                     10.42                    88.96            37.43              736               9.625
        408785897                     180                      29.7                    64.92             40.8              783                 7.5
        408785898                     180                        10                       90            38.63              787               9.875
        408785899                     180                        15                       95            40.27              688               9.375
        408785900                     300                        20                      100            23.58              709              11.375
        408785902                     180                        20                      100            49.84              704               8.875
        408785903                     300                        20                      100            35.23              695              12.875
        408785904                     180                        15                    94.99            43.09              757              10.125
        408785906                     180                        15                       95            39.06              671                12.5
        408785908                     180                        20                      100            40.24              681              11.625
        408785910                     180                        20                      100            41.11              681              11.125
        408785911                     180                        20                      100            31.99              774              12.125
        408785912                     180                        20                      100            43.79              676              12.875
        408785913                     180                     24.09                      100            42.19              762              11.625
        408785914                     180                     22.17                      100            49.73              782              12.125
        408785915                     180                        15                       95            27.86              662                 9.5
        408785917                     180                        20                      100            49.21              692                  10
        408785919                     180                        10                       90            39.99              786              11.375
        408785921                     180                     29.77                     79.9             42.1              723               8.625
        408785923                     180                        20                      100            13.01              720              10.375
        408785924                     180                        20                      100            37.43              689              10.625
        408785925                     180                        20                      100            31.16              686              10.625
        408785928                     300                     13.57                    72.85            47.12              693               9.375
        408785929                     180                        20                      100            38.33              785                10.5
        408785930                     180                        10                       90             35.8              666               9.125
        408785934                     300                        20                      100            41.05              747               8.875
        408785935                     180                        20                      100             31.1              781              12.125
        408785936                     180                        20                      100                0              755              12.125
        408785937                     180                        15                       95            27.71              693               9.875
        408785938                     180                        10                       90            37.05              802              10.125
        408785940                     180                     21.43                      100            36.33              677                  13
        408785941                     180                        20                      100            37.67              702               11.25
        408785942                     300                        20                      100             43.3              688               11.25
        408785943                     300                        20                      100            36.01              713                 9.5
        408785944                     180                     26.95                    73.23                0              724                 9.5
        408785945                     300                        15                       95            29.87              708                9.25
        408785946                     180                        10                       90            37.72              677              10.125
        408785947                     300                        20                      100            42.56              705              10.625
        408785948                     180                     14.99                    94.97            49.87              784                  10
        408785950                     180                        10                    89.97             37.2              790               9.625
        408785951                     300                        20                      100             37.5              699               10.75
        408785952                     180                        20                       90                0              699                  11
        408785953                     180                        20                      100             37.1              760                8.75
        408785954                     180                        20                      100            40.03              705              11.375
        408785955                     180                        20                      100            44.97              753              12.125
        408785959                     180                        15                       95            35.45              717               9.875
        408785960                     180                        20                      100            35.65              714               11.25
        408785961                     180                     18.57                    98.57            26.64              694                9.75
        408785962                     180                        15                       95            37.53              723              11.375
        408785963                     300                        20                      100            44.97              673               11.75
        408785965                     180                        20                      100            36.07              686               10.25
        408785967                     180                        15                       95            28.13              801                8.75
        408785968                     180                     18.81                    98.81            38.34              754                9.25
        408785969                     300                        20                      100            16.36              784              10.375
        408785971                     300                     28.17                    79.11             43.7              687                8.75
        408785972                     180                      31.5                    84.05            37.76              690                 9.5
        408785973                     180                     10.08                    90.69            30.78              723               10.25
        408785974                     180                        20                      100            44.51              717               9.875
        408785975                     180                        20                      100            44.27              701               9.625
        408785976                     180                         5                       85            37.69              663               9.625
        408785977                     180                        20                      100            43.84              799                 8.5
        408785978                     180                     10.53                    89.99             40.5              773               10.25
        408785979                     180                        20                      100            35.07              683              11.625
        408785980                     180                     20.23                    98.84            37.84              740                8.25
        408785981                     180                      5.88                    85.88            39.48              724                8.75
        408785982                     300                        20                      100            34.87              753                9.75
        408785983                     300                      9.97                    89.97            25.05              673              10.125
        408785985                     300                     31.98                    99.98            55.95              679               10.75
        408785986                     180                        20                      100            43.95              772               8.625
        408785987                     180                        15                       95            45.28              711                9.25
        408785988                     180                      5.54                    85.54             43.8              698               10.25
        408803655                     180                        20                      100            45.15              733               9.375
        408803656                     180                     11.77                    91.77            38.87              664                10.5
        408803657                     180                        20                      100            46.89              688                  10
        408803660                     180                        15                       90                0              742               10.75
        408803662                     180                        20                      100            40.75              711              10.625
        408803665                     180                     19.95                    99.74            37.31              680              11.375
        408803666                     180                     20.01                      100            38.29              681               9.875
        408803668                     180                     10.26                    85.26            36.79              652                8.75
        408803675                     180                        10                       90            47.29              793                7.75
        408803676                     180                        20                       90            41.29              780               10.25
        408803679                     180                        20                      100            49.55              736               9.875
        408803683                     180                         5                       80            33.23              741              10.875
        408803684                     180                     17.88                    82.88            42.92              730               8.125
        408803689                     180                        20                      100            42.57              776               10.75
        408803690                     180                        20                      100            39.74              732               9.375
        408803691                     180                        20                      100            44.86              749                9.25
        408803696                     180                        20                      100            43.59              682               9.875
        408835049                     180                        10                       90            44.87              759                10.5
        408835051                     180                     27.78                    89.17            39.66              691               10.75
        408835052                     180                     18.75                    93.66            32.74              686                10.5
        408835053                     360                        10                       90            42.31              741               8.625
        408835057                     180                     10.13                    82.94                0              670              10.125
        408835059                     180                     17.55                    90.37            31.14              706                   9
        408835062                     180                        20                      100            25.87              692               10.75
        408835064                     180                     36.82                      100            37.07              690                  10
        408835065                     180                         5                       85            45.18              676                8.25
        408835067                     180                        20                      100            43.41              703                10.5
        408835070                     180                        15                       95            33.05              683                8.25
        408835071                     180                      31.5                    94.49            37.07              713              10.125
        408835072                     180                      12.1                    79.35            47.38              672                7.75
        408835074                     360                        10                       90            22.44              756                  12
        408852858                     180                        20                      100            49.21              798               12.75
        408852862                     180                        15                       95            40.11              653              11.625
        408861325                     180                     16.49                    94.97            35.75              794              10.375
        408861328                     180                        20                      100            41.74              690               10.99
        408861330                     180                     19.99                    99.99            43.13              785               10.99
        408861333                     180                        20                      100            42.36              662                9.99
        408861336                     180                     15.65                       95                0              642               12.25
        408861338                     180                     14.99                    94.97                0              684               12.75
        408862727                     180                        10                       90            36.91              696               11.75
        408862730                     180                        15                       95                0              698              12.625
        408862733                     180                        20                      100                0              740              10.875
        408862734                     180                        15                       95             44.4              710               9.375
        408862735                     180                        20                      100                0              674                12.5
        408862737                     180                        20                      100            42.63              684                  12
        408862739                     180                        10                       90            34.55              726               12.25
        408862742                     180                        20                      100                0              724              11.875
        408862743                     180                        15                       95               45              700              10.875
        408862746                     180                        20                      100            38.69              703              10.875
        408862751                     180                        20                      100                0              694              11.875
        408862755                     180                        20                      100                0              725                10.5
        408862763                     180                        20                       95            44.51              680              11.375
        408862764                     180                        20                      100            43.72              742               10.75
        408862765                     180                        29                    94.77            39.79              738                10.5
        408862767                     180                        15                       95            45.14              674               11.25
        408862769                     360                     19.99                    94.99            45.99              690              10.375
        408862772                     180                        25                       95                0              655              13.125
        408862773                     180                     19.99                    94.99                0              709                10.5
        408862776                     180                     19.98                    94.96            35.38              693                  13
        408862786                     180                        20                      100            41.48              735                9.25
        408862788                     180                        20                      100            39.33              685              12.375
        408862789                     180                        20                      100                0              724              10.375
        408862791                     180                        20                      100            47.42              743                   9
        408862792                     180                        20                      100             43.7              703              10.875
        408862794                     180                        20                      100            48.59              689                10.5
        408862795                     180                        20                      100            49.82              709                   9
        408862796                     180                        20                      100            44.83              705               10.75
        408862799                     180                        20                      100            49.18              694              11.875
        408869588                     180                        20                      100            29.85              720               9.875
        408869590                     180                        20                      100             34.4              697               10.25
        408869593                     180                        15                       95            32.13              773                 7.5
        408869606                     360                        20                      100            35.77              770              10.625
        408869609                     180                        20                      100            40.56              715              10.375
        408869612                     180                     25.71                    86.45            48.77              689                8.25
        408869613                     180                        20                      100            41.09              797               8.875
        408869616                     180                        20                      100            38.84              757               8.375
        408869618                     360                     17.21                    75.82            17.36              812               7.625
        408869619                     180                     19.99                    99.99            31.56              768               7.875
        408869621                     180                        20                      100            42.82              755               9.875
        408869622                     180                     24.26                    89.98            30.66              736                 7.5
        408869623                     180                        15                       95               44              716               8.125
        408869624                     180                      24.1                    71.23            38.31              765                   7
        408869625                     180                        15                       95            18.46              808               7.625
        408869629                     180                        20                      100            38.54              804                8.25
        408869632                     180                        10                       90            47.65              681                9.25
        408869633                     180                      17.9                    71.51               30              804               7.125
        408869634                     360                        20                      100            36.18              739                10.5
        408869635                     360                        20                      100            37.01              730                 8.5
        408869641                     180                        10                       90            20.14              772               8.375
        408869643                     180                        20                      100            25.53              746               8.875
        408869647                     180                        20                      100            36.46              712                10.5
        408869648                     180                        15                       90            49.83              800               7.375
        408869652                     180                        20                      100            41.06              750                 9.5
        408869653                     180                        20                      100            27.88              762                 8.5
        408869654                     180                        20                      100            47.15              749                8.25
        408869656                     180                        20                      100            43.78              687              11.125
        408869657                     180                      9.95                    89.97            30.73              730               8.875
        408869658                     180                        20                      100            26.12              698              10.375
        408869659                     180                     19.18                    99.19            30.87              694                8.75
        408869662                     180                        20                      100            42.35              734                 9.5
        408869663                     180                        20                      100             40.7              696              10.375
        408869666                     180                        15                       95            30.12              811                   8
        408869667                     180                        15                       95            33.69              669                10.5
        408869668                     180                        20                      100             47.4              701               8.375
        408869670                     180                        20                      100            37.73              772                9.75
        408869672                     180                      7.83                    87.87            48.25              776                 7.5
        408869674                     180                        20                      100            33.49              776               7.875
        408869675                     180                        15                       95            40.16              736               9.125
        408869678                     180                     19.99                    99.99            41.42              726              10.125
        408869680                     180                        20                      100             37.9              752               7.875
        408869681                     180                        20                      100            31.34              726              10.625
        408869683                     180                        20                      100             43.6              779                   8
        408869687                     180                     29.23                       80            29.48              768                 8.5
        408869689                     360                        20                      100            39.67              753                8.75
        408869691                     180                        20                      100            44.95              717                 9.5
        408869692                     180                     19.99                    99.99            38.72              723               9.125
        408869697                     180                        20                      100            36.24              735                 9.5
        408869698                     180                        20                      100            38.52              685              10.625
        408869699                     180                         5                       85            41.34              810                7.75
        408871397                     180                        20                      100            43.25              678               11.75
        408871398                     180                        20                      100            41.63              689               10.75
        408871399                     180                     21.01                      100            44.52              711                10.9
        408871400                     180                        20                      100            39.37              652               12.15
        408871401                     180                        20                      100            45.62              716               10.65
        408871402                     180                        20                      100            39.77              643               11.75
        408871403                     180                        20                      100            41.37              664               11.75
        408871405                     180                     19.72                    99.72                0              703                10.6
        408871406                     180                        10                       90            36.06              646                11.8
        408871408                     180                        20                      100            31.76              651               12.15
        408871409                     180                        20                      100            37.28              672              11.375
        408871410                     180                     19.99                    99.98            41.83              669               11.75
        408871411                     180                        20                      100            47.55              747                   9
        408871412                     180                        20                      100            43.01              635               12.15
        408871414                     180                        20                      100            40.07              779                10.8
        408871415                     180                        20                      100                0              734               10.65
        408871417                     180                        20                      100             38.1              752                10.8
        408877540                     180                        15                       95            47.35              759                  13
        408896711                     180                        20                      100            48.98              655               10.85
        408904527                     180                        20                      100                0              700                11.5
        408904532                     180                        20                      100            41.86              704                10.5
        408904537                     180                        20                      100                0              692               11.75
        408904539                     180                        20                      100            44.43              673               10.75
        408904541                     180                        20                      100            41.58              702                10.5
        408904544                     180                        20                      100            30.49              695                10.5
        408904545                     180                     11.28                    72.76            37.18              653                  12
        408940757                     180                        15                       95            53.87              802               9.125
        408940758                     180                        20                       90            48.35              697               10.85
        408940759                     180                        25                       90            47.05              739              10.375
        408940760                     360                     13.81                    93.81            49.89              785               10.25
        408940762                     180                        20                      100            43.03              728              10.975
        408940763                     180                     19.25                     86.6            42.68              651               9.875
        408940764                     180                        20                      100            44.74              767              12.225
        408940765                     180                        15                       95            45.89              722                  12
        408940766                     180                        10                       90            46.96              799                8.75
        408940769                     180                        20                      100            53.42              644              12.625
        408940770                     360                        20                      100            49.31              663               10.75
        408940774                     180                        30                      100               32              749              12.225
        408940775                     180                        20                      100            35.07              720               12.75
        408940776                     180                        20                      100            39.83              704               8.875
        408940777                     180                        10                    89.98            37.66              679               10.35
        408940779                     180                        15                       95            42.69              678              11.725
        408940782                     180                        25                      100            32.87              677               12.75
        408940783                     180                        25                      100            40.49              685               11.85
        408940784                     180                        20                      100            37.78              736                8.25
        408940785                     180                        20                      100            42.68              746              11.375
        408949239                     180                        20                      100            46.45              696                11.8
        408949242                     240                        20                      100            36.18              627               11.45
        408949244                     240                        20                      100            48.97              639                9.31
        408949245                     240                        20                      100            49.46              643               11.75
        408949246                     240                        20                      100            43.34              609               12.45
        408949247                     240                        20                      100            48.87              670                10.8
        408949248                     240                        20                      100            39.99              658               11.45
        408949249                     240                        20                      100            36.73              662                10.8
        408949250                     240                        20                      100            42.96              648               11.25
        408949252                     240                     19.53                    97.67            36.15              673               10.15
        408949253                     240                        25                       95            43.41              633                11.3
        408949254                     240                        20                      100            50.05              605               12.95
        408949256                     240                     21.33                      100            40.04              649               11.35
        408949257                     180                        20                      100            39.61              620               12.05
        408949258                     240                        20                      100            48.71              646               10.95
        408949259                     240                        20                      100            50.32              636                11.8
        408949260                     240                        20                      100            37.22              609                11.8
        408949261                     240                        20                      100            46.88              656               10.35
        408949262                     240                        20                      100            31.36              654               12.45
        408949263                     240                        20                      100            48.77              634                11.7
        408949264                     240                        20                      100            33.67              725               10.05
        408949265                     240                      16.3                       95             45.9              708                11.6
        408949267                     240                        20                      100            42.21              674                  12
        408949268                     240                        20                      100            37.61              761                12.4
        408949269                     240                        20                      100            50.13              667                  12
        408949270                     240                        20                      100            41.69              610               12.35
        408949271                     240                        20                      100            32.92              754               10.65
        408949273                     240                        20                      100            42.33              644                11.7
        408949274                     240                        20                      100            36.28              664               11.99
        408949275                     240                        20                      100            43.63              678               11.25
        408949276                     240                        20                      100            46.91              600                12.4
        408949277                     240                     18.03                    98.03             45.2              637               11.85
        408949279                     240                        20                      100             24.8              586                13.1
        408949280                     240                        20                      100             18.6              645               12.95
        408949281                     240                     15.24                    95.24            42.08              687                10.4
        408949285                     240                        20                      100            42.76              597                13.5
        408949286                     240                        15                       90            48.14              650                12.8
        408949288                     240                        20                      100            49.27              629               11.85
        408949289                     240                        20                      100            45.94              681                10.5
        408949291                     240                        15                       95             36.8              705                10.9
        408949292                     240                        20                      100            47.32              625                12.3
        408949294                     240                        20                      100            50.66              662               11.15
        408949295                     240                        20                      100            41.06              647                11.7
        408949296                     240                        20                      100            47.21              623                11.9
        408949297                     240                        20                      100            40.44              647                13.3
        408949298                     240                        20                      100            41.71              750               10.15
        408949299                     240                        20                      100            36.72              629                12.7
        408949300                     240                        20                      100            36.29              759                  12
        408949301                     240                        20                      100            41.82              696                  12
        408949302                     240                        20                      100            49.84              637               11.95
        408949303                     240                        20                      100            49.75              722               10.55
        408949304                     240                        20                      100            45.73              656                12.3
        408949306                     240                     19.09                    95.45            47.42              645                9.31
        408949307                     240                        20                      100            41.75              678                10.8
        408949308                     240                        20                      100            44.53              589               13.85
        408949309                     240                        20                      100            44.73              601               12.45
        408949310                     240                        20                      100            42.49              619                12.7
        408949311                     240                        20                      100            30.88              610                12.3
        408949312                     240                        21                       96            50.19              598                13.7
        408949317                     240                        20                      100            49.96              642               11.35
        408949318                     240                        20                      100            45.02              669               11.05
        408949319                     240                        20                      100            47.18              673               12.25
        408949320                     240                        20                      100            50.07              622               11.95
        408949321                     240                        20                      100            46.09              653                11.6
        408949323                     240                        20                      100            49.07              762                10.3
        408949324                     240                        20                      100            48.92              619               12.45
        408949326                     240                        20                      100             50.4              668               12.25
        408949327                     240                        20                      100            48.88              662               10.75
        408949329                     240                        20                      100            28.37              617               13.05
        408949330                     240                        20                      100            37.83              623                12.3
        408949332                     240                        20                      100             28.9              644               11.35
        408955338                     360                     19.57                       80                0              713                  12
        408955345                     180                        20                      100             45.7              755              10.875
        408955350                     180                        20                      100                0              746                  12
        408955352                     180                        15                       95            29.86              784                7.75
        408955353                     180                        20                      100            44.73              775              11.375
        408955355                     180                        20                      100            42.33              678                  11
        408955357                     180                        20                      100            39.37              683                  12
        408955358                     180                        20                      100            40.57              694                  12
        408955359                     180                        20                      100            43.68              691                  12
        408955360                     180                        20                      100            44.56              784              10.625
        408955362                     180                        10                       90                0              795              10.375
        408955363                     180                        20                      100            41.86              701                9.75
        408955364                     180                        20                      100            44.97              728                  12
        408955365                     180                        20                    99.84            39.51              701               10.25
        408955368                     180                     22.42                      100                0              737               11.75
        408955369                     360                     19.99                    99.99            41.39              718                10.5
        408955370                     180                        20                      100            40.78              662               9.125
        408955371                     180                        20                    99.95                0              729              11.875
        408955372                     180                        20                      100            43.09              761              10.875
        408955373                     180                        20                      100            39.76              677                  12
        408955375                     360                        20                      100            33.31              687                11.5
        408955376                     180                      9.97                    84.75            50.72              796              10.125
        408955378                     180                        20                      100            45.68              676                  12
        408955379                     180                        20                      100            40.86              714                 9.5
        408955382                     180                     16.67                    96.67            43.85              663              11.875
        408955383                     180                        20                      100                0              671               12.75
        408955384                     360                        20                      100             49.9              760                  10
        408978568                     180                        10                    88.25            41.56              621               13.99
        408978580                     180                        20                      100            43.62              640              13.999
        408978581                     180                        20                      100             45.8              615               12.99
        408978582                     180                        20                      100            39.65              756               8.999
        408978584                     180                        20                      100            44.66              700                12.5
        408978591                     180                        20                      100            43.48              670               11.99
        408978595                     180                        20                      100            41.57              694                9.99
        408978599                     180                        15                       95            43.34              720               11.25
        408978600                     180                        20                      100            48.27              637                11.5
        408978605                     180                        20                      100            38.31              603               12.99
        408978615                     180                        20                      100            33.42              645               13.99
        408978617                     180                        15                       95            42.32              664              12.774
        408978618                     180                        15                    94.98            50.39              676                8.99
        408978619                     180                        20                      100            44.64              642               12.99
        408978623                     180                        15                       95             51.9              619               13.99
        408978624                     180                        20                      100            43.68              661               11.99
        408978625                     180                        20                      100            44.69              601               11.99
        408978628                     180                        20                      100            41.48              636               12.35
        408978629                     180                        20                      100            39.17              749               10.99
        408978632                     180                        20                      100            27.02              603               11.99
        408978634                     180                        20                      100             43.2              646               12.99
        408978635                     180                        15                       95            54.11              609               10.99
        408978637                     180                        20                      100            44.62              682                11.5
        408978643                     180                        20                      100            38.66              609              11.999
        408978648                     180                        15                       95            44.76              649               12.25
        408978650                     180                        20                      100            48.57              675                 9.5
        408978651                     180                        15                       90            44.53              669               11.99
        408978652                     180                        20                      100            41.88              641               12.49
        408978653                     180                        20                      100            39.08              667               12.25
        408978657                     180                        20                      100            44.93              677               11.99
        408978666                     180                        20                      100            42.47              722               10.85
        408978669                     180                        20                      100            30.65              613               9.999
        408978670                     180                        20                      100            25.02              650               9.375
        408978672                     180                        20                      100            14.94              709              10.125
        408978680                     180                        20                      100            41.94              662              12.499
        408978682                     180                        20                      100            46.44              752               10.25
        408978683                     180                     40.26                       85            53.43              600                9.29
        408978690                     180                        20                      100            42.39              775                 9.6
        408978692                     180                        20                      100            41.78              623               12.99
        408978694                     180                        20                      100            44.99              679              11.999
        408978695                     180                        20                      100            37.42              716               11.99
        408978697                     180                     14.13                    82.28            49.99              595              12.599
        408978699                     180                        20                      100            42.05              663               12.39
        408978700                     180                        20                      100            53.42              634               11.49
        408978702                     180                        15                       95            53.34              647              10.499
        408978706                     180                        20                      100            48.23              674                11.5
        408978708                     180                        20                      100            26.51              663                12.5
        408978711                     180                        20                      100             32.3              663               10.99
        408978713                     180                        20                      100            44.28              696               11.99
        408978716                     240                      12.2                    73.17             53.7              647              10.999
        408978718                     180                        20                      100            42.05              613               11.25
        408978719                     180                        20                      100            43.64              664               11.99
        408978720                     180                        20                      100            41.98              706              11.999
        408978721                     180                        20                      100            42.41              672               12.99
        408978722                     180                        20                      100            40.55              659               12.99
        408978724                     180                        20                      100            43.49              744                9.99
        408978725                     180                     18.33                    91.67            45.73              667               11.49
        408978726                     180                        20                      100            42.85              713                9.25
        408978731                     180                        20                      100             44.8              740                10.5
        408978732                     180                        20                      100            41.35              704               10.99
        408978733                     180                        20                      100            44.45              677               10.99
        408978734                     180                        20                      100            44.25              699                10.5
        408978735                     180                        15                       95            43.79              620               11.99
        408978738                     180                     18.24                    88.24            43.44              626               11.74
        408978739                     180                        20                      100            40.17              697                11.5
        408978740                     180                      9.48                     64.2            38.91              628              10.759
        408978741                     180                     17.78                    88.89            44.79              643               12.28
        408978743                     180                        20                      100            42.51              657                  12
        408978747                     180                        15                       95            39.94              709                9.75
        408978749                     180                        20                      100            43.61              690               12.99
        408978750                     180                        20                      100            53.52              653                9.99
        408978757                     180                        20                      100            36.78              699                10.5
        408978758                     180                        20                      100            40.51              657                10.5
        408978760                     180                        20                      100             27.4              609               11.99
        408978761                     180                        20                      100            30.24              663               13.55
        408978762                     180                        15                       95             45.3              631                8.75
        408978765                     180                        20                      100            38.39              762                12.3
        408978766                     180                        20                      100            41.97              659               11.99
        408978772                     180                        20                      100             38.9              743              10.199
        408978776                     180                        20                      100            54.69              587               10.99
        408978778                     180                        20                      100            36.44              743               11.99
        408978780                     180                        10                       90             43.7              653               11.99
        408978781                     180                        20                      100            44.58              703              11.999
        408978782                     180                        25                      100            44.82              711                  10
        408978783                     180                        20                      100            38.98              688               10.79
        408978784                     180                        20                      100             40.2              647               13.99
        408978785                     180                        30                      100            47.18              649               11.25
        408978787                     180                        20                      100            46.54              622               12.49
        408978788                     180                        20                      100            44.86              617               12.99
        408978789                     180                        20                      100            38.07              665               11.99
        408978793                     180                        20                      100            49.75              648               10.25
        408978795                     180                        20                      100            43.12              726                12.5
        408978799                     180                        20                      100            44.79              671               12.99
        408978806                     180                        20                      100            35.89              699                12.5
        408978807                     180                        20                      100            39.07              582                11.5
        408978811                     180                        20                      100            38.73              664               11.99
        408978813                     180                        20                      100            40.45              771                9.99
        408978814                     180                        20                      100            42.66              719               11.99
        408978816                     180                        20                      100            46.12              650               10.75
        408978817                     180                        20                      100            43.25              710               10.99
        408978819                     180                        20                      100            44.94              668               11.99
        408978820                     180                        20                      100            39.55              618                11.5
        408978822                     180                        20                      100            44.09              729               11.25
        408978826                     180                     23.73                    40.52            36.95              612               11.99
        408978827                     180                        20                      100            39.42              681               11.75
        408978828                     180                        20                      100            37.21              603               11.99
        408978830                     180                        20                      100             44.1              702               10.99
        408978835                     180                        20                      100            49.88              597                12.5
        408978836                     180                        20                      100             50.8              690               11.99
        408978837                     180                        20                      100            33.28              600              10.999
        408978838                     180                        20                      100            44.43              637               13.99
        408978839                     180                        20                      100             44.7              719               10.99
        408978840                     180                        20                      100            43.59              598              10.999
        408978842                     180                        20                      100            44.43              678               13.99
        408978845                     180                        20                      100             40.4              641              13.999
        408978846                     180                        20                      100             53.5              671               11.99
        408978847                     180                        20                      100            45.51              674                10.5
        408978849                     180                        20                      100            47.47              628               11.99
        408978852                     180                        20                      100            44.73              683                11.5
        408978853                     180                        20                      100            42.92              641                  10
        408978854                     180                        20                      100            41.46              719                9.99
        408978855                     180                        20                      100            48.46              790               8.875
        408978856                     180                        20                      100            41.27              746               10.35
        408978858                     180                        20                      100            43.26              633              12.875
        408978859                     180                        20                      100            44.82              695              11.999
        408978860                     180                        25                      100            44.89              703               11.75
        408978864                     180                        10                       90            44.25              672                9.99
        408978869                     180                        20                      100             39.7              677                11.5
        408978870                     180                        20                      100            41.51              699              11.999
        408978871                     180                        20                      100            45.67              716                9.99
        408978874                     180                        25                      100            43.69              625               11.99
        408978877                     180                        20                      100            44.19              649               12.99
        408978878                     180                        20                      100            43.92              730                11.5
        408978879                     180                        20                      100            47.58              669               11.75
        408978892                     180                        20                      100            44.08              696               11.25
        408978897                     180                        20                      100            30.16              620               10.99
        408978901                     180                        20                      100            43.49              674               11.74
        408978902                     180                        20                      100            44.76              653               12.99
        408978903                     180                        20                      100            44.54              632                  10
        408978908                     180                        20                      100            36.64              777                9.99
        408978909                     180                        20                      100            43.32              625               12.99
        408978910                     180                        10                       90             44.1              701               11.99
        408978912                     180                        20                      100            43.53              603               11.99
        408978913                     180                        20                      100            39.04              648              10.595
        408978914                     180                      29.6                      100            42.66              620              13.875
        408978915                     180                        20                      100             46.5              639              10.115
        408978916                     180                        20                      100            49.81              635               10.99
        408978919                     180                        20                      100             32.2              646               12.99
        408978920                     180                        15                       95             49.5              740                8.99
        408978922                     180                        20                      100            32.79              698               10.99
        408978924                     240                        20                      100            44.56              644               13.49
        408978925                     180                        20                      100            44.37              717               12.99
        408978926                     180                     22.63                      100            41.85              661               12.99
        408978927                     180                        20                      100            35.32              689                11.5
        408978928                     180                        10                       90            43.98              737                9.99
        408978931                     180                        15                       95            44.46              623               13.99
        408978932                     180                        20                      100            44.63              699               12.99
        408978933                     180                        20                      100            42.44              677                9.99
        408978934                     180                        20                      100            41.08              692                11.5
        408978936                     180                        20                      100            44.63              732              11.375
        408978937                     180                        20                      100            42.77              645                11.5
        408978938                     180                        20                      100            42.23              653              12.999
        408978940                     180                     19.99                    99.97             48.6              720                9.49
        408978944                     180                        20                      100             49.8              806               11.99
        408978947                     180                        20                      100            44.31              685               11.99
        408978948                     180                        20                      100            48.56              624               11.49
        408978950                     180                        20                      100            43.57              694               11.99
        408978951                     180                        20                      100            44.95              634              13.999
        408978952                     180                        15                       95            45.18              698                9.99
        408978953                     180                        20                      100            54.61              684                9.99
        408978955                     180                        20                      100            40.55              755              11.499
        408978956                     180                        20                      100            49.88              615               12.75
        408978957                     180                        20                      100             53.8              583                11.5
        408978960                     180                        20                      100            44.28              647              12.999
        408978963                     180                        20                      100            47.19              600               12.99
        408978966                     180                        20                      100            49.51              616                  12
        408978972                     180                        15                       95            44.73              695               11.99
        408978973                     180                        20                      100            45.67              642               13.25
        408978974                     180                        20                      100            44.97              676               11.99
        408978975                     180                        20                      100            44.32              659               12.49
        408978976                     180                        20                      100             44.9              638              12.999
        408978978                     180                        20                      100            44.49              737               9.875
        408978979                     180                        20                      100            35.13              704                11.5
        408978980                     180                        20                      100            44.58              803               11.99
        408978984                     180                        20                      100            40.05              655               12.99
        408978985                     180                        20                      100            44.15              710               10.85
        408978986                     180                        20                      100            54.78              749                9.99
        408978987                     180                        20                      100            39.64              730               12.75
        408978988                     240                        10                       90            43.78              632               12.99
        408978989                     180                        20                      100            44.66              685               10.99
        408978990                     180                        20                      100            54.48              670                11.5
        408978995                     180                        20                      100            44.92              686              10.999
        408978996                     180                        20                      100            43.82              762               12.99
        408978998                     180                        20                      100            41.16              657              11.999
        408978999                     240                        20                      100             45.4              615               11.99
        408979007                     180                        20                      100            44.83              746               10.99
        408979009                     180                        20                      100             37.4              653               11.99
        408979011                     180                        20                      100             50.7              693               10.99
        408979012                     240                        20                      100            43.01              631               9.899
        408979013                     180                        20                      100            40.65              685               12.49
        408979014                     180                        20                      100            44.12              700              10.999
        408979015                     240                        20                      100            31.38              750                9.25
        408979017                     180                        20                      100            44.34              704                 8.7
        408979018                     180                        20                      100            41.32              661               11.99
        408979019                     180                        20                      100            44.67              649               12.25
        408979023                     180                        20                      100            43.64              666               11.74
        408979027                     180                        20                      100            44.06              715               9.625
        408979029                     180                     36.15                    99.99            53.49              645               12.49
        408979031                     180                        20                      100            49.93              688                8.99
        408979035                     180                        20                      100            43.21              610               12.99
        408979036                     180                        20                      100            47.61              644                11.5
        408979038                     180                        20                      100            54.74              629               11.99
        408979041                     180                        20                      100            41.41              644               12.49
        408979048                     180                        20                      100            44.96              661               11.99
        408979051                     180                        20                      100             44.3              703                8.99
        408979052                     180                       9.6                    89.28            45.74              616               10.99
        408979055                     180                        15                       95            43.09              601              12.599
        408979061                     180                        20                      100            44.96              620               11.99
        408979063                     180                        10                       90            44.67              615               12.99
        408979066                     180                        20                      100            47.08              782                10.5
        408979069                     180                        20                      100            44.14              670                11.5
        408979070                     180                        20                      100            37.12              681               10.99
        408979071                     180                        20                      100             44.6              673              10.999
        408979077                     180                        15                       95            24.76              664               11.99
        408979078                     180                        20                      100            42.43              668                11.5
        408979081                     180                        20                      100            48.04              590               10.99
        408979086                     180                        20                      100            44.31              679                12.5
        408979087                     180                        20                      100            49.88              648               11.99
        408979090                     180                     19.93                    99.65            49.19              632              11.999
        408979092                     180                     16.67                    83.33            47.31              636                9.25
        408979093                     180                        20                      100            44.84              726               10.99
        408979095                     180                        20                      100            46.41              624               12.25
        408979096                     180                        20                      100            26.63              606              11.999
        408979097                     180                        20                      100            44.52              697               11.99
        408979098                     180                        20                      100            44.52              706                10.5
        408979102                     180                        20                      100            49.64              602               13.49
        408979106                     180                        20                      100            44.24              683               10.99
        408979107                     180                        20                      100            44.28              670               11.99
        408979108                     180                        20                      100            44.35              676               11.99
        408979109                     180                        20                      100            44.86              627               13.99
        408979112                     180                        20                      100             44.9              649               13.99
        408979113                     180                        20                      100            44.83              662               11.99
        408979116                     180                        20                      100            44.59              773               11.25
        408979118                     180                        20                      100            43.57              671               11.75
        408979119                     180                        20                      100            46.67              620               12.99
        408979121                     180                        20                      100            44.75              698                11.5
        408979122                     180                        20                      100            42.39              680               11.99
        408979127                     180                        20                      100            40.58              583               11.25
        408979131                     180                        20                      100            32.59              603               12.75
        408979132                     180                     13.59                    93.59            52.94              637                9.99
        408979135                     180                        20                      100            54.71              586               12.99
        408979136                     180                        20                      100            44.59              677               11.99
        408979137                     180                        20                      100            38.47              783              11.999
        408979138                     180                        20                      100            41.88              597               11.99
        408979139                     180                        15                       95            44.69              680                9.99
        408979141                     180                        20                      100            44.89              639               13.99
        408979145                     180                     19.03                    99.03            43.42              716               11.99
        408979147                     180                        20                      100            26.89              746               11.99
        408979148                     180                        10                       90            47.88              625                  11
        408979150                     180                        20                      100             46.1              710                9.99
        408979151                     180                        20                      100            46.24              650               12.75
        408979154                     180                        15                       95             47.5              643                11.5
        408979164                     180                        15                       95            43.53              617               10.99
        408979166                     180                        20                      100            30.74              678              10.999
        408979170                     180                        20                      100            36.56              602               11.99
        408979172                     180                        20                      100            26.23              666               12.99
        408979173                     180                        15                       95             44.1              701               11.99
        408979176                     180                     20.35                    80.17            49.59              625              11.999
        408979177                     180                        20                      100            48.13              750                9.99
        408979178                     180                        20                      100            44.43              666              11.999
        408979181                     180                        20                      100            43.41              714                9.99
        408979182                     180                        20                      100            44.14              671               11.75
        408979183                     180                        20                      100            44.92              684               10.99
        408979186                     240                        20                      100            42.23              641               10.99
        408979196                     180                        20                      100            54.83              589                12.5
        408979197                     180                        20                      100            44.51              743               11.99
        408979202                     180                        20                      100            44.76              645               13.95
        408979203                     180                        20                      100            35.42              736               11.99
        408979204                     180                        20                      100            41.03              649               12.45
        408979205                     180                        25                      100            43.44              790                9.99
        408979206                     180                        20                      100            41.13              627               10.99
        408979207                     180                        20                      100            37.23              651               11.99
        408979208                     180                        20                      100             42.6              663              12.599
        408979210                     180                        20                      100            40.25              648              13.999
        408979211                     240                        20                      100            43.66              689               10.99
        408979213                     180                        20                      100            48.18              686               9.999
        408979214                     180                        10                       90            44.06              606               12.99
        408979215                     180                        20                      100            39.65              716                9.99
        408979216                     180                     19.93                    99.65            42.48              636               11.15
        408979217                     180                        20                      100             44.2              691              11.999
        408979219                     180                        20                      100            42.86              777               10.99
        408979226                     180                        20                      100            44.83              672               10.99
        408979227                     180                        15                       95            43.26              657               10.99
        408979228                     240                     10.83                    61.74            48.02              632               7.599
        408979229                     180                        20                      100            49.99              686                 9.5
        408979232                     180                        20                      100             44.9              645                12.5
        408979236                     180                        20                      100            38.34              720                 9.2
        408979238                     180                        20                      100            43.75              644               12.49
        408979239                     180                        20                      100            44.07              662              12.599
        408979244                     180                        10                      100             42.4              663               12.78
        408979245                     180                      9.94                    94.94             23.8              598                9.99
        408979247                     180                        20                      100             44.9              701               12.99
        408979251                     180                        20                      100             49.5              753               10.99
        408979252                     180                        15                       95            47.46              740                8.99
        408979253                     180                        20                      100            40.13              666               11.25
        408979254                     180                        20                      100            44.66              675               12.99
        408979255                     180                        20                      100            43.46              769                10.5
        408979260                     180                        20                      100            44.45              690               9.875
        408979261                     180                        20                      100            44.67              680               11.99
        408979263                     180                        20                      100            43.54              631               12.75
        408979264                     180                        20                      100             42.4              643               11.99
        408979265                     240                        20                      100            44.74              693               11.99
        408979267                     180                        20                      100             54.1              693                9.99
        408979268                     180                        15                       95            44.88              692               12.99
        408979269                     180                        20                      100             49.3              613              13.956
        408979270                     180                        20                      100            39.08              620              10.123
        408979271                     180                        20                      100            39.48              618                11.5
        408979272                     180                        20                      100            44.24              703               12.99
        408979274                     180                        20                      100            43.67              644               12.99
        408979276                     180                     18.79                       90            41.71              663               10.75
        408979285                     180                        20                      100            39.35              601              10.999
        408979291                     180                        20                      100            45.94              635               11.99
        408979292                     180                        20                      100            44.93              669               11.99
        408979293                     180                        20                      100            42.67              592               12.49
        408979294                     180                        20                      100            54.21              624               12.25
        408979295                     180                        20                      100            44.99              631               12.75
        408979296                     180                        20                      100            41.28              652               12.25
        408979297                     180                     19.13                    95.65            40.91              685               11.25
        408979298                     180                        20                      100            42.14              701               11.99
        408979299                     180                        20                      100            40.41              621               12.99
        408979300                     180                        20                      100            44.36              749                9.99
        408979301                     180                        20                      100            47.67              610               12.99
        408979304                     180                        20                      100            44.88              655              10.999
        408979306                     180                        20                      100             44.8              661              11.999
        408979307                     180                        20                      100            44.51              764               9.999
        408979309                     180                        20                      100             44.1              679               12.49
        408979315                     180                        15                       95            47.53              594               11.49
        408979316                     180                        20                      100            49.49              596                12.8
        408979317                     180                        20                      100             50.6              625               12.49
        408979320                     180                        20                      100            44.68              684               11.99
        408979321                     180                        20                      100            29.12              630               12.49
        408979323                     180                        20                      100            49.81              612              12.999
        408979325                     180                     19.11                    58.84            53.76              754                 7.5
        408979326                     240                        20                      100            25.47              603               12.99
        408979327                     180                        20                      100            44.68              714              11.999
        408979328                     180                        15                       95            38.28              620               10.99
        408979331                     180                        20                      100            44.71              720               11.99
        408979333                     180                        20                      100            49.91              655               13.99
        408979334                     180                        20                      100             42.2              777               12.99
        408979336                     180                        20                      100            49.96              692               9.125
        408979338                     180                        20                      100            44.83              736               11.99
        408979339                     180                        20                      100            41.24              688               11.99
        408979344                     180                        20                      100            44.12              695                11.5
        408979345                     180                        20                      100            49.53              675                12.5
        408979351                     180                        20                      100            41.92              734                11.5
        408979356                     180                        20                      100               49              656               12.99
        408979358                     180                        20                      100            43.08              643              11.999
        408979359                     180                        20                      100            50.24              700                 9.5
        408979360                     180                        15                       95             29.5              620               13.99
        408979362                     180                        20                      100            42.25              689               11.35
        408979364                     180                        20                      100            42.73              709               9.875
        408979367                     180                        20                      100            40.81              666               10.99
        408979371                     180                        20                      100            36.12              646               11.99
        408979372                     180                        20                      100            40.42              663              12.999
        408979374                     180                        15                       95            44.66              733               9.775
        408979375                     180                        20                      100            44.57              665               11.99
        408979376                     180                        20                      100            43.92              658               11.99
        408979378                     180                        20                      100            40.47              751                9.25
        408979380                     180                        20                      100             41.9              680               10.99
        408979382                     180                        15                       95            48.24              638                 9.3
        408979384                     180                        20                      100            44.91              680               11.99
        408979385                     180                        20                      100            50.63              585               12.79
        408979386                     180                        20                      100            42.33              643               11.49
        408979387                     180                        20                      100            44.15              646               12.99
        408979389                     180                        20                      100            43.35              664              11.325
        408979391                     180                        20                      100            54.48              636                12.3
        408979393                     240                     14.49                    39.84            37.09              778               6.059
        408979397                     180                        20                      100            45.39              750               10.99
        408979398                     180                        20                      100            49.07              612               12.05
        408979399                     180                        20                      100            49.77              622               12.99
        408979403                     180                        15                       95            42.68              630               13.99
        408979410                     180                        20                      100             44.7              640               10.99
        408979411                     180                        20                      100             44.6              673              11.115
        408979415                     180                        20                      100            47.61              698               10.99
        408979418                     180                        20                      100            48.35              655               12.99
        408979420                     180                        15                       95            43.52              715               10.99
        408979421                     180                        20                      100            44.98              583              12.999
        408979423                     180                        20                      100            44.51              669               11.65
        408979424                     180                        20                      100            44.62              666               11.75
        408979425                     180                        20                      100            44.67              747                10.5
        408979427                     180                        20                      100             43.3              655              12.999
        408979428                     180                        20                      100            44.47              697              11.375
        408979429                     180                        20                      100            44.62              683               10.99
        408979431                     180                        20                      100            44.46              717              12.999
        408979435                     180                        20                      100            40.09              701               10.99
        408979439                     180                        20                      100             44.4              692                9.99
        408979441                     180                        20                      100            43.65              640               13.49
        408979442                     180                        20                      100            39.03              715                9.99
        408979443                     180                        20                      100            44.13              624               10.25
        408979444                     180                        20                      100            38.19              670              11.999
        408979445                     180                        20                      100            40.89              706               11.49
        408979447                     180                        20                      100             42.4              718                11.5
        408979448                     180                        20                      100            47.98              608               12.49
        408979450                     180                        20                      100            44.63              781                10.5
        408979452                     180                        20                      100            41.05              756              11.999
        408979453                     240                     19.54                    89.83            47.09              604               10.99
        408979454                     180                        20                      100            43.62              611              12.999
        408979455                     180                        20                      100            33.16              660               10.99
        408979458                     180                        20                      100            48.84              622               11.99
        408979459                     180                        20                      100             49.5              587              12.999
        408979460                     180                        20                      100            39.68              656               11.99
        408979461                     180                        20                      100            32.96              625                11.5
        408979462                     180                        20                      100            42.53              710               12.99
        408979463                     180                        20                      100            44.38              653                12.5
        408979464                     180                        20                      100            42.92              602               12.99
        408979467                     180                        20                      100            43.29              771               9.625
        408979468                     180                        20                      100            34.62              609              13.999
        408979470                     180                        20                      100            47.61              711                9.99
        408979472                     180                        20                      100            54.22              630                12.5
        408979473                     180                        20                      100            44.99              700                11.5
        408979475                     180                        20                      100            53.94              635               12.25
        408979476                     180                        15                       95            46.06              627              11.999
        408979477                     180                        20                      100            49.93              588               11.99
        408979480                     180                        20                      100            49.69              596               13.99
        408979482                     180                        20                      100            44.37              675              10.999
        408979484                     180                        20                      100             44.8              633              12.499
        408979485                     180                        20                      100            33.88              601               12.99
        408979489                     180                        20                      100            54.96              757               10.55
        408979491                     180                        20                      100            31.82              708                  11
        408979492                     180                        20                      100            44.82              652               11.99
        408979497                     180                        20                      100            48.83              602               12.99
        408979499                     180                        20                      100            48.05              655              10.999
        408979502                     180                        15                       95            42.24              631               11.99
        408979505                     180                        20                      100            44.75              651               12.99
        408979513                     180                        20                      100            49.94              635                11.5
        408979514                     180                        20                      100            25.54              650               11.99
        408979515                     180                        20                      100            42.92              715                12.8
        408979516                     180                        20                      100            40.68              742               9.375
        408979518                     180                        20                      100            41.71              653               11.99
        408979523                     180                        20                      100            44.42              692                10.5
        408979524                     180                        20                      100            36.43              737                  11
        408979525                     180                        20                      100            41.75              718               12.99
        408979526                     180                        20                      100            44.66              690               10.99
        408979527                     180                        20                      100            46.94              611              11.999
        408979531                     180                     19.47                    97.37            44.88              665                12.5
        408979534                     180                        20                      100            44.92              753                10.5
        408979539                     180                        20                      100            43.23              649              12.895
        408979540                     180                        15                       95            43.15              787               10.99
        408979543                     180                        20                      100            28.72              650                13.5
        408979544                     180                        20                      100            41.91              787               12.99
        408979545                     240                        20                      100            31.96              799                8.99
        408979547                     240                     22.97                       90            42.26              667               12.59
        408979549                     180                        20                      100            44.75              693                  10
        408979550                     180                        20                      100            41.17              658                  12
        408979552                     180                        20                      100            43.98              767                9.45
        408979555                     180                     19.09                    95.45             41.5              651               13.49
        408979556                     180                        20                      100            43.53              643               11.99
        408979557                     180                        20                      100            42.88              674              11.125
        408979559                     180                        20                      100            42.17              720               10.99
        408979561                     180                     21.95                    76.18            41.94              715                 8.5
        408979564                     180                        20                      100             40.2              709              10.999
        408979566                     180                        20                     96.8            49.97              649               11.87
        408979567                     180                        20                      100            44.84              703               10.25
        408979569                     180                        20                      100            44.56              764               12.99
        408979571                     180                        20                      100            44.99              664               12.99
        408979572                     180                     28.05                      100            49.91              630               13.25
        408979573                     180                        20                      100             50.9              662               12.49
        408979576                     180                     33.18                      100            49.81              679               12.99
        408979577                     180                     37.77                       90            49.96              630               9.399
        408979579                     180                        15                       95             49.4              623               12.99
        408979585                     180                        20                      100             44.5              726              10.375
        408979586                     180                        20                      100            45.93              632                9.99
        408979590                     180                        15                       90            41.76              675               10.99
        408979591                     180                        20                      100            44.22              782               11.99
        408979593                     180                        20                      100            44.73              680              12.999
        408979597                     180                        15                       95            42.68              651               12.99
        408979598                     180                        20                      100             31.2              660              12.375
        408979599                     180                        15                       95             42.4              644               11.99
        408979601                     180                        20                      100             41.2              663               11.99
        408979602                     180                        20                      100             7.16              642               11.99
        408979604                     180                        20                      100            49.43              602               11.99
        408979605                     180                     23.73                    99.89            43.23              656                11.2
        408979607                     180                        20                      100             49.1              620               12.99
        408979608                     180                        20                      100            46.25              622               12.84
        408979609                     240                        20                      100            36.15              657                9.75
        408979610                     180                        20                      100            42.89              673               12.99
        408979612                     180                        20                      100            47.67              682               10.25
        408979613                     180                     29.41                      100            43.99              721               8.999
        408979615                     180                        20                      100            49.98              639               13.99
        408979618                     180                        20                      100            43.55              645               12.99
        408979620                     180                        20                      100            44.88              675               10.99
        408979621                     180                        20                      100            48.06              781                8.99
        408979623                     180                        20                      100            42.38              666               11.35
        408979629                     180                        20                      100            45.53              637                12.5
        408979630                     180                        20                      100             16.9              631               12.99
        408979631                     180                        20                      100             39.6              621              12.999
        408979633                     180                        20                      100            44.68              687               12.99
        408979634                     180                        20                      100            47.46              737               10.99
        408979636                     180                        20                      100            40.56              624               11.99
        408979638                     180                        10                       90            34.76              646                9.99
        408979639                     180                        20                      100            43.34              656                12.5
        408979641                     180                        20                      100             28.8              702                10.5
        408979643                     240                        20                      100            46.58              758                9.99
        408979648                     180                     10.09                       80            46.27              694              11.999
        408979649                     180                        20                      100            38.17              743               9.999
        408979650                     180                        20                      100            36.42              649              11.999
        408979653                     180                      10.2                    64.87            43.03              609               10.99
        408979654                     180                      18.2                    99.52            44.71              667               11.75
        408979655                     180                     32.43                    94.77            44.18              732               7.675
        408979659                     180                        20                      100            51.47              637               12.25
        408979660                     180                        15                       95            49.94              609              12.999
        408979661                     240                        15                       95            16.49              667               12.99
        408979663                     180                        20                      100            44.89              656               11.99
        408979665                     240                        20                      100            44.17              672               11.99
        408979667                     180                     11.71                     89.7            33.28              744                 8.8
        408979668                     180                        20                      100            44.64              718                12.5
        408979669                     180                        20                      100            36.88              696               11.75
        408979671                     180                        20                      100            42.88              702               10.99
        408979672                     180                        20                      100            48.17              676               10.99
        408979673                     120                        17                    92.87             37.5              676               12.59
        408979674                     180                        20                      100            35.06              711                9.99
        408979682                     180                     24.29                     51.1            49.18              700                   8
        408979683                     180                        20                      100            44.86              778                9.99
        408979684                     180                        20                      100            41.02              733               12.99
        408979685                     180                        20                      100             44.7              682               10.99
        408979686                     180                        20                      100            41.54              654               12.99
        408979687                     180                     24.06                     72.8             31.6              695                7.91
        408979688                     180                        20                      100            48.28              604               13.49
        408979691                     180                        20                      100            42.74              713               11.99
        408979693                     180                        20                      100            44.79              712               11.99
        408979694                     180                        20                      100            40.74              726               11.99
        408979696                     180                        20                      100            44.78              645               12.25
        408979697                     180                        20                      100            45.17              696                10.5
        408979699                     180                        20                      100            36.63              677               11.99
        408979701                     180                        20                      100             42.8              738                11.5
        408979702                     180                        20                      100            49.94              708               11.75
        408979703                     240                     26.71                     88.3            34.51              662                8.95
        408979704                     180                        20                      100            42.04              661                11.5
        408979705                     180                        20                      100             28.2              676               9.999
        408979706                     180                        20                      100            44.43              698               11.99
        408979709                     180                        20                      100            49.74              646               11.85
        408979710                     180                     15.63                    57.58            48.78              624               11.75
        408979714                     180                     19.35                    99.35            49.89              675               10.25
        408979716                     180                      12.5                    76.25            48.07              707                11.5
        408979722                     180                        15                       95            42.79              673               11.99
        408979724                     180                        20                      100            44.08              676               12.49
        408979725                     180                     33.99                    97.45            33.95              675               8.999
        408979726                     180                        20                      100            52.59              786               10.99
        408979730                     180                        20                      100            44.23              718              10.486
        408979731                     180                        20                      100            45.62              644               11.99
        408979732                     180                     26.34                    60.61            41.12              659                 8.9
        408979737                     180                        20                      100            44.42              713               12.99
        408979738                     180                        20                      100            46.45              703               10.99
        408979739                     180                        20                      100            41.29              746                10.5
        408979741                     180                        20                      100            42.02              666               12.49
        408979743                     180                        20                      100            44.24              662               11.99
        408979745                     240                        20                      100            38.86              672               12.99
        408979746                     180                        20                      100             48.1              670               10.99
        408979747                     180                        20                      100             47.8              647               12.99
        408979749                     180                        20                      100            44.05              664               12.99
        408979751                     180                        20                      100            43.62              686               12.99
        408979753                     180                        20                      100            43.41              711                11.5
        408979756                     180                        20                      100            42.85              718                 9.5
        408979757                     180                        20                      100            39.28              745               10.99
        408979758                     180                        20                      100            38.88              723              11.999
        408979759                     180                        20                      100            19.05              692               11.25
        408979761                     180                     28.13                    85.21            43.23              656                 9.5
        408979762                     180                        20                      100            44.87              660              12.999
        408979763                     180                        20                      100            48.39              626               12.89
        408979764                     180                        20                      100            44.94              645               12.49
        408979771                     180                         5                       95            44.35              635               12.25
        408979772                     180                        20                      100            27.62              727                9.25
        408979774                     180                        20                      100            44.23              687              10.475
        408979775                     180                        20                      100            36.42              620               12.99
        408979776                     180                     18.18                    90.91            43.78              671               12.99
        408979777                     180                        20                      100               50              684              11.014
        408979784                     180                        20                      100             39.4              659               12.75
        408979785                     180                        20                      100            41.68              707                11.5
        408979786                     180                        20                      100            37.25              745                9.99
        408979787                     180                        20                      100            28.82              611              12.999
        408979790                     180                        20                      100            44.01              696               10.99
        408979794                     180                     47.37                    75.59            44.98              690               7.625
        408979795                     180                        20                      100            44.48              716               11.49
        408979796                     180                        20                      100            32.08              663               11.49
        408979797                     180                      7.53                    86.47             32.3              623                10.5
        408979798                     240                     10.25                    78.38            33.87              675                8.25
        408979799                     180                        20                      100            44.52              752               12.99
        408979802                     180                        20                      100             43.1              660                12.5
        408979804                     240                     29.91                    96.88             41.7              699               8.999
        408979805                     180                        20                      100            21.54              632               12.85
        408979806                     180                        20                      100             43.6              783               10.99
        408979807                     180                        20                      100            42.27              671              11.999
        408979810                     180                        20                      100            44.27              727               10.99
        408979812                     180                        20                      100            41.63              711               11.99
        408979813                     180                        20                      100            41.23              681                9.99
        408979815                     180                        20                      100            42.11              727               12.75
        408979816                     180                        20                      100            44.09              682               12.99
        408979818                     180                        20                      100            43.53              610               13.75
        408979819                     180                        20                      100            22.74              629                  12
        408979820                     180                        20                      100            40.81              640               10.99
        408979822                     180                     15.57                    89.63            32.38              588                13.4
        408979823                     180                     17.14                    79.25            42.51              628                8.99
        408979824                     180                        20                      100            49.84              633               12.99
        408979825                     180                        20                      100            30.15              697                11.5
        408979826                     180                        20                      100            44.17              675               12.49
        408979829                     180                        20                      100            44.81              665               12.99
        408979830                     180                        20                      100            45.06              632               11.99
        408979833                     180                        20                      100            42.72              647               11.99
        408979835                     180                        20                      100            43.72              667               12.99
        408979836                     180                        20                      100            40.57              732                9.99
        408979839                     180                        20                      100             44.3              720                11.5
        408979840                     180                        20                      100            44.05              711               11.99
        408979842                     180                        20                      100             47.7              712               12.99
        408979843                     180                        15                       95            44.68              735                9.75
        408979844                     180                        15                       90            49.17              650                 9.5
        408979847                     180                        20                      100             38.6              770               11.25
        408979850                     180                        20                      100            53.02              725               11.99
        408979851                     180                        20                      100            47.78              632               12.25
        408979852                     180                     16.59                     87.5            44.31              606               10.99
        408979855                     180                        15                       95            49.86              584               11.99
        408979862                     180                        20                      100            41.73              656               10.75
        408979863                     180                        20                      100            42.18              749               10.99
        408979864                     180                     22.95                    94.12            42.77              688                9.99
        408979865                     180                        20                      100            40.28              705               11.99
        408979866                     180                     15.85                    79.27             43.6              644               12.99
        408979867                     180                        20                      100            35.23              779               11.75
        408979868                     240                     12.82                    87.91            38.43              612                10.5
        408979869                     180                     23.07                    89.89            43.54              599               13.75
        408979872                     180                        20                      100            48.19              653               10.99
        408979873                     180                        20                      100            45.71              625               12.49
        408979874                     180                        20                      100            40.75              663               11.75
        408979876                     180                        20                      100            42.99              661               12.99
        408979877                     180                        20                      100            47.85              661               10.99
        408979879                     180                       9.8                    99.89            29.55              623              12.999
        408979880                     180                      9.51                    45.05            32.68              712                 8.5
        408979881                     180                      4.62                    67.78            35.61              601              10.325
        408979883                     180                        20                      100            44.32              711               12.99
        408979887                     180                        20                      100            41.61              668               10.99
        408979888                     180                        20                      100            44.61              698               11.99
        408979892                     180                        20                      100            44.73              685               10.99
        408979893                     180                     13.75                     82.5            38.72              632               11.29
        408979894                     180                        15                       95             42.7              627              14.448
        408979896                     180                        20                      100            44.31              695                12.5
        408979898                     180                        20                      100            42.62              781                9.49
        408979899                     180                        20                      100            41.66              692               12.99
        408979900                     180                        20                      100            41.98              707              11.999
        408979901                     180                     29.42                    85.93            49.94              638               11.25
        408979902                     180                        20                      100            47.15              662                10.5
        408979904                     240                        20                      100            18.34              772               8.875
        408979909                     180                        20                      100            43.34              703              11.499
        408979910                     180                        20                      100            45.23              644               11.99
        408979912                     180                        15                       95            46.54              644               10.99
        408979913                     180                      25.9                      100            49.46              641               12.25
        408979915                     180                        20                      100            46.86              749                8.99
        408979916                     180                        20                      100            43.53              621                12.8
        408979919                     180                        20                      100            44.97              699               11.99
        408979920                     180                     15.36                    46.94            51.68              720                7.05
        408979922                     180                        20                      100            44.56              705                9.75
        408979924                     180                        20                      100            29.59              690              10.799
        408979928                     180                        20                      100               33              711                  11
        408979931                     180                        20                      100            44.69              702               10.59
        408979932                     180                        20                      100             49.9              664               11.15
        408979935                     180                        20                      100            40.11              697                10.5
        408979936                     180                        20                      100            44.23              687               10.99
        408979939                     180                        20                      100            44.81              678               12.99
        408979940                     180                        15                       95             42.8              642               12.25
        408979943                     180                        15                       95            49.26              670                9.75
        408979945                     240                     12.69                      100            41.76              724               9.155
        408979946                     180                        20                      100            43.98              773               10.99
        408979947                     180                        20                      100            29.59              623              12.999
        408979950                     180                        20                      100            43.21              688               11.99
        408979951                     180                        20                      100            43.84              706               12.99
        408979952                     180                        20                      100            44.41              665              10.999
        408979953                     180                        20                      100               50              640               13.25
        408979956                     240                        20                      100            49.87              632               12.25
        408979959                     180                     27.15                    69.84            26.65              598               9.596
        408979960                     180                        20                      100            39.65              648                12.5
        408979961                     180                        20                      100            36.17              722                9.99
        408979963                     180                        20                      100            49.96              665               10.25
        408979967                     180                     14.37                    91.02            47.89              664                 8.5
        408979968                     180                        20                      100            41.17              713                  10
        408979969                     180                        20                      100            44.67              697               12.75
        408979970                     240                        20                      100            29.25              670               12.25
        408979971                     180                        20                      100            46.98              694                12.5
        408979972                     180                        20                      100             44.8              661               12.99
        408979973                     180                     19.49                    97.46               50              690               12.99
        408979974                     180                        20                      100            37.53              667               12.75
        408979975                     180                     15.79                    96.96            49.96              695               9.759
        408979976                     180                        20                      100            39.25              625                11.9
        408979978                     180                        20                      100            43.69              649               12.99
        408979979                     180                        20                      100            44.14              660               12.99
        408979980                     180                        20                      100            39.03              646               11.99
        408979982                     180                        20                      100            39.69              683               11.99
        408979983                     180                        20                      100            34.04              672               11.99
        408979985                     180                        20                      100            43.51              682              10.999
        408979986                     180                        15                       95            38.77              689               11.99
        408979988                     180                        20                      100            51.34              638               11.99
        408979989                     180                        20                      100            44.78              677               11.95
        408979991                     180                        20                      100            44.08              690              11.999
        408979992                     180                        20                      100            39.59              707                8.99
        408979993                     180                        20                      100            49.83              642                11.5
        408979994                     180                        20                      100            44.64              699               10.75
        408979995                     240                     27.35                    94.08            25.71              704               7.999
        408979997                     180                        20                      100            44.67              704               10.99
        408979998                     180                        20                      100            35.93              651               12.75
        408980000                     180                        20                      100             43.9              689               12.45
        408980002                     180                        20                      100            44.99              705               12.99
        408980003                     180                        20                      100            48.82              632               11.99
        408980004                     180                        20                      100             44.8              702                10.5
        408980006                     180                        20                    77.02            31.39              646               11.99
        408980007                     180                        20                      100            41.01              723                9.99
        408980009                     180                        20                      100            45.75              629               12.99
        408980016                     180                        15                       95            44.11              650              12.375
        408980019                     180                        20                      100             35.7              694               11.75
        408980020                     180                        20                      100            37.38              645               12.25
        408980022                     180                        15                       95            44.26              653               12.99
        408980023                     180                        25                      100            46.67              646              12.499
        408980024                     180                        20                      100            44.92              745               10.99
        408980027                     180                        20                      100            40.09              728                9.99
        408980028                     180                     16.17                    88.95            49.41              581              13.999
        408980029                     180                        20                      100            33.17              633                12.5
        408980030                     180                        20                      100            48.66              637                  12
        408980031                     180                        20                      100            41.44              717               9.875
        408980032                     180                        20                      100            43.14              671              11.999
        408980033                     180                        20                      100            46.86              622              12.999
        408980034                     180                        30                    79.11            46.09              756               12.99
        408980035                     180                        20                      100            44.03              657               12.99
        408980036                     180                        20                      100            42.42              664              11.125
        408980038                     180                        20                      100            49.68              649                11.5
        408980040                     180                        20                      100            44.52              708               12.99
        408980043                     180                        20                      100            43.83              660              11.895
        408980045                     180                        20                      100            31.44              746               10.49
        408980046                     180                        20                      100            43.51              701               10.75
        408980048                     180                        20                      100            49.73              626               11.99
        408980051                     180                     16.67                    75.94            33.01              648              12.999
        408980053                     180                        20                      100            44.96              660               11.99
        408980054                     180                        20                      100            43.29              652               11.99
        408980055                     180                        15                       95            44.23              653               11.99
        408980056                     180                        20                      100            43.94              675               11.35
        408980057                     180                        10                       90            41.51              764                9.99
        408980058                     180                        20                      100            43.66              692              11.499
        408980060                     180                        20                      100            44.88              753                 9.5
        408980061                     180                        20                      100            44.03              727               11.65
        408980062                     180                     20.09                    56.11            44.85              614               7.999
        408980064                     180                        15                       95            44.02              647               12.99
        408980065                     180                        20                      100            41.18              693               10.99
        408980066                     180                        20                      100            44.57              677               11.99
        408980067                     180                        20                      100             35.1              666                12.5
        408980068                     180                        20                      100             42.4              659               11.99
        408980069                     180                        20                      100            31.02              637               12.49
        408980070                     240                        20                      100            49.17              620              12.999
        408980071                     180                        20                      100            43.58              686               10.99
        408980072                     180                        20                      100            44.16              681               12.99
        408980073                     180                        20                      100            51.55              641              11.999
        408980075                     180                        20                      100            49.92              627              13.625
        408980076                     240                        20                      100            47.63              644              11.999
        408980077                     180                        20                      100            44.57              782               9.875
        408980079                     180                        20                      100            44.78              788               11.99
        408980080                     180                        20                      100            41.88              759               10.99
        408980081                     180                        20                      100            44.65              733               12.99
        408980082                     180                        20                      100            41.99              693                10.5
        408980083                     180                        20                      100            42.73              710               11.99
        408980084                     240                     24.58                    96.61            44.32              703               8.499
        408980085                     240                        20                      100            49.34              634               12.25
        408980087                     180                     11.27                      100            49.95              636               13.75
        408980088                     180                     19.95                    99.74            37.01              642              12.999
        408980089                     180                        20                      100            43.42              662              10.999
        408980090                     180                        20                      100            45.08              719                9.99
        408980092                     180                        20                      100            44.95              736                11.5
        408980094                     180                        20                      100            39.16              675               12.99
        408980095                     180                     18.77                      100            45.14              721              13.399
        408980096                     240                        20                      100            44.96              664               11.99
        408980097                     180                        20                      100            49.99              622                11.9
        408980098                     180                        20                      100            42.09              663               11.25
        408980102                     180                        20                      100            44.55              739               10.99
        408980106                     180                        20                      100             41.4              680                11.5
        408980107                     240                     13.62                    48.74            30.97              604                8.75
        408980108                     180                        20                      100            42.49              706                11.5
        408980110                     180                        20                      100            48.52              735               12.99
        408980111                     180                        20                      100            35.13              718               10.99
        408980112                     180                        20                      100            44.47              640               13.99
        408980114                     180                        20                      100            43.81              684                9.99
        408980116                     180                        15                       95            43.42              684                12.5
        408980117                     180                        20                      100            44.13              657               11.99
        408980120                     180                        20                      100             40.3              746               9.625
        408980121                     180                        20                      100            42.48              691               11.99
        408980122                     180                        20                      100             44.9              772               10.99
        408980123                     180                        20                      100             40.1              722                10.5
        408980124                     180                        20                      100            44.96              678               11.45
        408980125                     180                     37.67                       90             47.6              599                9.85
        408980128                     180                        15                       95            49.86              633                12.5
        408980130                     180                        20                      100            44.46              692               12.99
        408980131                     180                        20                      100            44.97              688              11.999
        408980132                     180                        20                      100            42.22              653               11.99
        408980135                     180                        20                      100               45              681               11.25
        408980137                     180                        20                      100            43.76              684               12.49
        408980139                     180                        20                      100            49.43              710               10.99
        408980140                     180                        20                      100            43.06              660                  13
        408980141                     240                        20                      100             33.6              631               12.75
        408980143                     180                        20                      100            40.27              687               11.99
        408980144                     180                        15                       95            44.77              653              11.999
        408980145                     180                        20                      100            44.96              692                10.5
        408980146                     180                        20                      100             41.9              773               10.99
        408980147                     180                        20                      100            43.05              683              11.999
        408980148                     180                        20                      100            44.58              672               12.99
        408980149                     180                        20                      100            42.21              684              10.999
        408980150                     180                        20                      100            37.83              662                10.5
        408980151                     180                     14.08                    41.32            42.11              689                8.25
        408980152                     180                        20                      100            44.98              710               10.99
        408980154                     180                        20                      100            43.51              704               8.999
        408980156                     180                        20                      100            35.42              698                 8.5
        408980157                     180                        10                       90            22.25              639                9.99
        408980160                     180                        20                      100               50              640              11.999
        408980163                     180                     18.66                    98.66            25.61              645                9.79
        408980165                     180                        10                       90            44.67              693               10.99
        408980166                     180                        20                      100            43.97              665               11.99
        408980167                     180                        20                      100            45.54              652               10.99
        408980168                     180                        20                      100             49.6              703                9.99
        408980169                     180                        20                      100            44.97              679               11.89
        408980170                     180                        20                      100            45.52              654               11.49
        408980171                     180                     38.44                    94.79            31.09              647               10.99
        408980173                     180                        20                      100            40.26              772                11.5
        408980174                     180                        20                      100            45.29              620               12.49
        408980176                     180                        20                      100            43.13              678               11.25
        408980177                     180                        20                      100            41.61              652               10.49
        408980180                     180                        20                      100            49.32              626               11.45
        408980181                     180                        20                      100            38.58              691               10.99
        408980185                     180                        20                      100            26.64              637              10.649
        408980186                     180                        20                      100            44.68              694               11.25
        408980187                     240                        20                      100            47.92              627              12.999
        408980188                     180                        20                      100            43.03              648               13.99
        408980192                     180                        20                      100            42.22              658               11.35
        408980194                     180                        20                      100            46.91              624                9.31
        408980196                     180                        20                      100            44.79              672               12.99
        408980197                     180                        20                      100            37.56              735                 9.5
        408980199                     180                        20                      100            43.61              662               11.25
        408980200                     180                        15                       95            44.96              731               10.99
        408980201                     180                        20                      100            44.41              665               11.99
        408980202                     120                        20                      100            42.48              730                9.99
        408980204                     180                        20                      100             49.2              630               12.99
        408980205                     180                        20                      100            39.77              671               10.99
        408980206                     180                        20                      100            38.28              691               9.625
        408980207                     180                        20                      100            42.56              756              12.999
        408980208                     180                        20                      100            47.65              662              10.999
        408980209                     180                        20                      100            25.77              675               10.87
        408980211                     180                        20                      100            44.88              646               12.99
        408980215                     180                        20                      100             33.1              625              11.666
        408980217                     180                        20                      100            38.77              673                9.99
        408980219                     180                        20                      100             26.6              623               10.99
        408980220                     180                        20                      100            42.83              642              12.999
        408980221                     180                        20                      100            32.51              636               11.99
        408980222                     180                        20                      100            18.49              622              11.999
        408998344                     180                        20                      100            40.54              684               8.875
        408998346                     360                        20                      100            48.96              695              10.125
        408998348                     180                        20                      100            42.44              706                 9.5
        408998364                     180                        20                      100            34.15              777               11.75
        408998373                     180                     20.01                      100            41.54              666                9.25
        408998376                     360                        20                      100            37.73              702                9.75
        409015840                     180                        20                      100            44.68              704                8.99
        409015912                     240                     20.09                     82.3            49.38              598                12.9
        409015913                     240                     39.25                    99.55            49.69              673                11.4
        409015916                     240                     19.12                    73.53            44.23              632                9.45
        409015917                     240                      29.4                    89.94             36.8              674                12.5
        409015919                     240                      8.05                    88.05            49.45              741               10.15
        409015924                     240                     18.49                    89.99            40.62              679                11.1
        409015925                     240                      6.72                    65.78               50              723                 9.5
        409015926                     240                     26.21                    68.53            39.19              650                  11
        409015927                     240                     19.72                     98.6            50.44              690               11.15
        409015928                     240                      6.51                    98.37            42.68              737               11.55
        409015929                     240                     22.15                       90            43.11              644                11.8
        409015930                     240                        20                      100            41.46              749               11.55
        409030015                     360                        20                      100                0              765              11.375
        409030016                     180                        20                      100                0              757               9.875
        409030020                     180                     21.32                      100             37.8              708               11.75
        409030022                     360                        20                      100            47.42              671              12.875
        409030030                     180                        10                       90                0              743              10.375
        409030033                     360                         5                    91.25            45.73              653              10.875
        409030035                     180                        20                      100            49.87              692                9.75
        409030036                     180                        20                      100            42.93              715              11.375
        409030038                     180                     15.26                       90            32.65              781                  10
        409039395                     360                        20                      100            38.81              792               8.625
        409055782                     240                     20.01                      100            50.72              762               10.55
        409101756                     180                      9.44                    89.44                0              715                 8.5
        409101757                     180                     20.01                      100            35.07              719               10.25
        409165843                     360                        20                      100            42.56              687              11.375
        409165846                     360                        15                       95            14.56              743                14.5
        409165847                     360                        20                      100            34.67              674                 8.5
        409165848                     180                        15                       95            45.97              795               10.75
        409165849                     180                     25.08                      100            41.17              694              13.625
        409165851                     180                        20                      100            40.19              669              12.375
        409165852                     360                        20                      100                0              724              13.875
        409165853                     180                        20                      100            46.06              653               11.75
        409165855                     180                        20                      100            34.26              658                14.5
        409165856                     180                        15                       90            43.83              634                14.5
        409165858                     180                        20                      100                0              723                14.5
        409165864                     180                        15                       95                0              641                14.5
        409165868                     180                        15                       95            35.12              626                12.5
        409165869                     360                        15                       95                0              630                  10
        409165871                     180                        20                      100            46.24              650                13.5
        409165873                     360                        25                      100            26.02              640              12.625
        409165879                     360                        20                      100            33.17              625              12.125
        409165880                     180                     14.93                    94.55            38.77              761              12.875
        409165882                     180                        20                      100            47.15              624               9.125
        409165884                     360                        20                      100                0              769                14.5
        409165887                     180                        20                      100                0              714               10.75
        409165889                     360                        20                      100                0              751                14.5
        409165891                     360                        15                       95            41.12              704                14.5
        409165892                     360                        10                       90                0              713                11.5
        409165893                     360                        20                      100            46.57              633               13.75
        409165895                     360                        20                      100            39.43              636                9.75
        409165897                     360                        20                      100                0              726              13.875
        409165899                     180                        20                      100            38.96              631              11.875
        409165900                     180                        20                      100                0              706               12.25
        409165901                     180                     18.28                    91.41            30.04              643               12.25
        409165902                     180                        15                       95                0              621              12.625
        409165904                     180                        20                       90            48.43              632                  12
        409165905                     180                        20                      100               37              633               12.25
        409165907                     180                        15                       95            39.39              636              10.625
        409165908                     360                        20                      100                0              673                14.5
        409165909                     180                        20                      100                0              699               12.25
        409165910                     180                        30                      100            49.91              761                  13
        409165912                     180                        20                      100            45.53              667                  13
        409165913                     360                        15                       95                0              628              12.375
        409165915                     360                        10                       85                0              657                9.75
        409165916                     180                        21                       95            49.53              738              13.875
        409165917                     180                        20                       95                0              734                14.5
        409165919                     180                        20                      100             27.6              651                  10
        409165920                     360                        20                      100                0              714               10.75
        409165921                     360                        25                       95            39.47              655              10.875
        409165925                     180                        15                       90            46.72              650               9.625
        409165926                     360                        20                      100            26.22              695              13.875
        409165927                     180                        30                      100            48.26              623                 8.5
        409165929                     360                        20                      100            45.65              675               13.75
        409165930                     360                     19.83                    89.26                0              683              12.375
        409165931                     180                        20                      100                0              679              11.375
        409165932                     180                        30                      100            41.26              707               10.75
        409192787                     180                        10                       90            40.38              764               8.625
        409217292                     180                        20                      100            32.99              643               10.75
        409217293                     180                     29.31                    93.15             46.4              686                8.35
        409217295                     180                        20                      100             38.3              665                9.99
        409217297                     180                        15                       95                0              712                  13
        409278089                     180                        20                      100            37.13              745               9.875
        409278090                     360                        20                      100            43.06              690              11.875
        409278091                     180                        20                      100            49.08              672                9.75
        409331016                     180                        20                      100            39.75              642               11.75
        409331017                     180                        15                       95             42.4              724                7.95
        409331018                     180                        20                      100            47.29              626               12.99
        409331019                     180                        20                      100             43.2              648              13.375
        409331020                     180                        20                      100            42.26              628              12.375
        409331023                     180                        20                      100            30.94              625                12.5
        409331026                     360                     25.74                    98.81            34.73              654               9.625
        409331028                     180                        15                       95            48.62              637              13.625
        409331029                     180                        20                     99.6            54.87              716                8.75
        409331032                     180                        20                      100            45.66              620              13.375
        409331033                     240                        10                       90            40.51              647                9.24
        409331035                     180                        20                      100            34.19              633              13.125
        409331038                     180                        20                      100            44.93              642              12.375
        409331039                     180                     29.47                    88.87            42.35              628                 8.5
        409331041                     180                     39.48                     78.8            30.46              687               7.375
        409331043                     180                        20                      100            49.89              635              13.125
        409331045                     180                     17.62                    99.76            47.33              628               11.75
        409331049                     240                      9.55                     90.7            44.56              672               13.75
        409331050                     180                        20                      100            43.41              636              13.375
        409331052                     180                        20                      100            51.36              668               11.75
        409331054                     180                        10                       90            44.77              704              13.125
        409331056                     180                        20                      100            49.26              638              13.375
        409331057                     180                        20                      100            48.54              642              12.125
        409829658                     240                        20                      100            19.26              528              11.875
        409829691                     180                     12.21                    54.95            33.54              715              11.875
        409829708                     180                     18.67                    93.33            25.98              552                12.5
        409829721                     240                     17.95                    89.77             34.6              490               12.99
        409829734                     180                      8.72                    55.26            45.55              716                  13
        409829765                     180                      6.53                    41.33            32.55              729                 7.5
        409829776                     180                      9.11                    57.67             34.4              742              10.125
        409829780                     180                      7.09                    57.77                0              700               8.875
        409829781                     180                     15.32                    76.61             38.9              762                  13
        409829793                     180                     12.84                    64.21               29              777              10.625
        409829795                     180                      8.48                    47.37            44.56              734                8.75
        409829803                     180                      5.45                    34.55            35.43              758              11.875
        409829813                     180                     21.43                      100            31.14              745                  13
        409829814                     180                      6.23                    56.08            41.89              758               8.625
        409829817                     180                     14.17                    70.85            34.51              534                  12
        409829823                     180                        20                      100            43.98              549                12.5
        409829833                     180                     13.81                    68.99            24.52              792                  13
        409829840                     180                        10                       90            28.11              711               7.875
        409829842                     180                     13.01                    78.04            49.18              753                10.5
        409829849                     180                     18.07                    86.63            29.81              797              12.875
        409829851                     180                        15                       95            41.34              766               11.25
        409829865                     180                      8.17                    51.76            39.62              703                12.5
        409829867                     180                      8.23                    52.12            37.02              764                10.5
        409829870                     180                     11.49                    72.77             27.8              715              12.875
        409829881                     360                      5.83                    52.43            37.32              712               12.25
        409829886                     180                     14.29                    71.34            27.47              784              11.875
        409829890                     180                        10                       90            26.57              738               8.125
        409829898                     180                     17.42                    69.66            46.81              708               9.625
        409829902                     360                      9.44                    59.77            33.24              736                 9.5
        409829912                     180                     31.55                    37.32                0              509              12.125
        409829913                     240                     25.22                    86.09            44.22              716                  12
        409829915                     180                      6.45                    39.23            43.93              707                9.25
        409829920                     180                      9.96                    89.96            36.73              729                  13
        409829924                     180                     14.15                    70.74            23.25              725              12.875
        409829926                     180                      8.35                    52.89            54.22              761                9.75
        409829935                     240                      5.95                    53.54            29.87              767                8.25
        409829964                     180                      15.5                    73.64             36.7              733                12.5
        409829966                     180                      5.52                    49.71            38.99              706                8.75
        409829967                     180                      9.97                    49.85            43.24              653              10.375
        409829970                     180                      6.76                     60.8            37.02              780                7.25
        409829995                     180                     11.74                    63.69            29.04              784               8.875
        409830001                     360                       7.6                    48.16             9.67              780               9.875
        409830005                     180                      5.74                    48.32            26.98              734               10.25
        409830025                     240                     11.07                    55.36            36.97              518                12.5
        409830038                     360                      7.99                    50.59            29.16              780               9.875
        409830046                     180                     13.09                    61.67            42.89              736                   9
        409830067                     180                      9.23                    48.58            41.46              781              10.375
        409830079                     360                     10.64                    67.41            14.66              793               9.875
        409830094                     180                        11                       90            34.67              786                  10
        409830098                     180                       4.8                     43.2            43.19              781                   9
        409830103                     180                        15                       95            23.69              761              11.875
        409830105                     180                        20                      100             33.1              704                12.5
        409830108                     180                      8.31                    52.64            29.68              787                12.5
        409830120                     180                      5.91                    53.17            32.65              775                8.25
        409830121                     360                      8.91                    56.44            39.58              789                8.75
        409830164                     180                     12.69                    63.45            42.18              562               10.99
        409830200                     180                      6.76                    57.16            23.68              809                 8.5
        409830265                     240                     15.92                    79.59            43.26              564                 9.2
        500858626                     240                        20                      100            44.99              734                 9.1
        500858627                     240                        15                       95            42.81              684                10.1
        500858628                     180                        20                      100            43.52              640               11.74
        500858629                     180                        20                      100            34.75              724                10.6
        500858630                     180                        20                      100            40.84              662               10.65
        500858632                     180                        20                      100            37.11              696                9.85
        500858633                     180                        20                      100            37.59              662              13.375
        500858637                     180                        20                      100            41.43              650               10.74
        500858638                     180                        20                      100            44.01              655              11.675
        500858639                     180                        20                      100            36.39              801                 9.1
        500858640                     180                        10                       90                0              689                10.1
        500858641                     180                        20                      100               43              746                10.6
        500858642                     180                        20                      100            44.56              651              13.525
        500858643                     180                        15                       95            31.88              665                13.6
        500858644                     180                        20                      100            35.21              685                 9.6
        500858645                     180                        20                      100            41.43              746                11.6
        500858646                     180                        20                      100            43.39              662              12.675
        500858647                     180                        10                       90            37.84              676               10.35
        500858649                     180                        20                      100            42.16              753                10.6
        500858650                     180                        20                      100            32.65              689                 9.6
        500858651                     180                     19.31                    96.57            47.74              709                 9.6
        500858652                     180                        20                      100             41.1              653               13.95
        700299053                     180                        15                       95            24.85              735              11.125
        700318028                     180                        15                       95            26.42              759               14.25
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        700327527                     180                        20                      100            43.29              684              11.125
        700339987                     180                      8.51                    83.51            33.97              656                10.5
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        700344182                     180                        20                       90            15.91              656                  14
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        700354084                     180                        20                       95            45.24              651               9.875
        700354095                     180                        17                       97            43.16              702              12.125
        700355962                     180                        20                      100            34.99              770                   9
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        700358202                     180                        25                       95            40.29              673              10.625
        700358373                     360                        20                      100                0              749                11.5
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        700362395                     180                        20                      100            43.22              720               9.375
        700364671                     360                     13.33                       90            34.54              670              11.125
        700364974                     180                     13.08                    88.08             8.53              760              12.625
        700365923                     360                      11.9                       90            29.66              703               9.875
        700367115                     360                        10                       90            47.48              710              12.375
        700367519                     180                     14.92                    94.91            37.25              701                  11
        700369212                     360                        20                      100            38.97              727               9.875
        700369468                     360                        15                       95            38.86              707               10.75
        700370063                     240                     17.44                       95            39.24              713                 8.5
        700370100                     180                      8.89                    88.89            47.26              726                   9
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        700371292                     180                        20                      100            20.64              762              10.375
        700371317                     180                        20                      100            35.74              768                10.5
        700371692                     180                     19.93                    99.67            32.57              657                  11
        700371817                     180                        10                       90            30.25              797                10.5
        700372419                     180                        20                      100            38.32              701               10.75
        700372482                     180                        20                       95            34.77              766                10.5
        700374401                     360                     24.82                       95            25.41              693              12.375
        700374827                     360                     14.66                    82.08            15.96              673                11.5
        700374850                     180                        15                       95            36.87              800               9.125
        700375603                     180                        25                      100            32.78              730               10.25
        700376684                     180                        15                       95            33.58              705               9.875
        700376954                     180                      24.9                    94.61            35.15              683               9.875
        700377268                     180                     25.44                    84.76            42.21              665                10.5
        700377523                     180                         8                       88                0              678                11.5
        700377544                     180                        10                       90            24.46              728               8.875
        700378087                     180                        20                      100             39.2              762               10.75
        700378316                     180                        20                      100            42.58              708               9.875
        700378485                     180                        20                      100             36.8              754               8.875
        700378509                     360                        20                      100            44.53              734                   8
        700379105                     180                     11.37                    86.37            34.23              696                 9.5
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        700379567                     360                        20                      100            46.66              685                 9.5
        700379687                     180                        20                     78.7            26.15              759                7.75
        700379796                     360                        20                      100            32.24              791              10.125
        700379946                     180                        15                       90            42.84              711                11.5
        700380223                     180                        15                       95            36.66              722               9.375
        700380602                     180                        20                      100            42.93              681                  13
        700381296                     360                        20                      100            38.08              792                10.5
        700381522                     360                        20                       90            48.93              701               8.625
        700382045                     360                        20                      100               37              719               10.75
        700382200                     360                        20                      100            39.96              748              10.375
        700382404                     180                        20                       95            37.04              663                  11
        700382576                     180                        15                       95                0              762                  11
        700382616                     180                        20                      100            42.64              679              11.875
        700382765                     180                        15                       95             46.1              660              10.375
        700383200                     180                        15                       95            25.61              668               8.375
        700383211                     180                         5                       85            42.96              667               10.75
        700383472                     180                        10                       90            38.96              739                  12
        700383489                     180                        10                       90            48.52              696               12.25
        700383502                     360                        20                      100            39.16              699              11.625
        700383893                     180                        10                       90            47.93              643               14.25
        700383977                     180                        20                      100                0              704              11.625
        700384101                     180                        20                      100            44.74              694               10.75
        700384298                     180                        20                      100            44.73              716              10.125
        700384750                     240                        15                       80            40.49              706                  10
        700384803                     180                        20                      100            40.73              751               8.625
        700384836                     180                        15                       95            26.77              725               9.875
        700385273                     180                        15                       95             30.5              676                8.75
        700385390                     180                        15                       95                0              738               11.25
        700385455                     180                        20                      100            40.49              730               9.125
        700385462                     180                        20                      100            48.94              650              12.875
        700385725                     180                        15                       95            11.45              715              12.375
        700385741                     180                     11.82                    91.82            37.76              733                8.75
        700385929                     180                      8.81                    88.81            44.91              674                9.25
        700385934                     180                        20                      100            39.99              683              11.625
        700385937                     180                        15                       95            37.15              687               9.875
        700386120                     180                     18.42                    98.97            49.23              673              13.125
        700386175                     180                      4.99                    84.99            40.84              671                 9.5
        700386350                     360                        20                       95            26.24              667              12.875
        700386363                     180                        20                       95            31.88              664               10.25
        700386471                     180                        15                       95            39.54              679                  11
        700386564                     180                     17.62                    97.62            40.06              707              10.875
        700386731                     180                        20                      100            41.99              659                  10
        700386741                     180                        20                       90            22.71              672                12.5
        700386871                     360                        15                       95                0              678               12.25
        700386887                     360                        15                       80            40.96              706                  10
        700387012                     180                        15                       95            39.39              661               10.25
        700387029                     180                        20                      100            35.48              784               10.25
        700387140                     180                        15                       95            38.81              692               11.25
        700387288                     180                        20                      100            43.58              727              10.375
        700387384                     180                        15                       95            29.18              735                 8.5
        700387385                     180                        15                       95            34.69              725              11.875
        700387621                     180                     11.17                       90            36.78              655               10.25
        700387639                     180                        15                       95            30.57              725              11.875
        700387662                     180                        15                       95            35.32              708                  12
        700387754                     180                        20                      100            46.28              703                  12
        700387815                     180                        20                      100            37.66              653               14.25
        700388007                     180                     25.79                    94.98             47.5              704              12.125
        700388060                     180                     33.25                       95            24.25              673               9.875
        700388083                     360                        15                       95            26.51              756                12.5
        700388207                     180                        15                       95            43.09              650               11.25
        700388371                     240                     15.38                    84.62            35.42              668               10.75
        700388388                     180                     13.65                       95            33.93              663                11.5
        700388490                     180                        25                       95            49.69              698              12.875
        700388694                     180                        15                       90            37.84              683                  10
        700388696                     180                        20                       95            42.02              736               13.25
        700388801                     180                        15                       95            37.24              679              10.375
        700388867                     180                        10                       90            44.63              709               9.625
        700388965                     180                        20                      100            35.77              707                12.5
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        700389137                     180                      8.47                    93.07            35.26              650               11.25
        700389290                     360                     30.02                       95             41.3              696               9.875
        700389316                     180                        10                       80            36.65              657               9.375
        700389320                     180                        25                       95            25.12              679               9.875
        700389346                     180                        25                       95            49.52              786               9.875
        700389682                     360                        20                      100                0              704              12.375
        700389834                     180                        20                      100            43.51              745                  11
        700389876                     180                        20                      100            19.88              694               9.875
        700389959                     360                     19.72                    99.72            38.13              703              10.875
        700389983                     180                        20                      100            47.11              730               8.875
        700390000                     180                        15                       95            49.51              759                12.5
        700390030                     180                        20                       90            32.43              702               11.75
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        700390101                     180                        20                      100            16.72              637              13.875
        700390194                     180                        20                      100            44.12              752               10.25
        700390288                     360                        20                      100            24.99              658                  11
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        700390508                     180                        15                       95            45.92              719                  12
        700390512                     180                        15                       95            22.31              773                  11
        700390629                     180                        10                       90            37.93              676               8.875
        700390677                     180                        20                      100                0              725              12.875
        700390728                     180                      8.89                    83.89            34.42              801               8.375
        700391171                     180                        20                      100            26.29              702                  13
        700391266                     180                        15                       95            14.34              773                  11
        700391295                     180                        10                       85            44.68              706               7.625
        700391346                     360                        15                       95            29.89              690               10.75
        700391406                     180                     10.89                    87.78            35.65              661              12.875
        700391433                     180                        15                       95                0              691              12.875
        700391435                     360                        20                      100            21.03              742               9.375
        700391512                     180                        20                      100            42.57              714              11.125
        700391523                     180                        15                       95                0              691              12.875
        700391602                     180                        10                       90                0              668              10.625
        700391617                     180                        15                       95            33.89              675              12.875
        700391754                     180                       9.4                    83.89            41.19              660                 9.5
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        700392165                     180                        20                      100                0              709              12.875
        700392174                     180                     19.89                    89.52               33              625               9.625
        700392381                     180                        15                       95            32.75              760              12.375
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        700392716                     180                        15                       95            38.37              684              13.375
        700392732                     360                        20                      100            18.11              686               9.625
        700392745                     180                        15                       95            29.98              782               12.25
        700392777                     180                        15                       95                0              710                9.75
        700392890                     180                        15                       90            33.29              660               13.75
        700392919                     180                        20                      100            41.29              706                12.5
        700392990                     360                        25                      100                0              709              11.625
        700393016                     180                        10                       90            39.84              735                 8.5
        700393088                     180                        20                      100            46.86              700                  12
        700393107                     180                        15                       95            34.68              739                 9.5
        700393146                     180                     12.25                    88.08            44.64              669                10.5
        700393172                     180                        20                      100            43.35              693              11.375
        700393298                     180                        20                      100             45.2              724                11.5
        700393313                     360                        20                       95            32.97              711              12.875
        700393339                     360                        20                      100            38.64              766               9.375
        700393384                     180                        15                       95            42.73              691                12.5
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        700393564                     180                        10                       90            37.27              682                  10
        700393626                     180                        20                      100            43.83              735              10.625
        700393724                     180                        15                       95            44.54              667               10.75
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        700394217                     180                        10                       90            38.63              744               9.125
        700394222                     180                     14.96                    94.96            30.22              733                11.5
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        700394516                     180                     20.83                    73.43            38.41              686               8.875
        700394521                     180                        15                       95             34.1              652               9.375
        700394545                     180                        10                       90            33.97              677                  10
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        700394628                     180                        20                      100            43.44              635              11.625
        700394710                     180                        20                      100            33.02              695                9.25
        700394738                     180                     14.92                    89.92            41.17              700               8.875
        700394919                     360                        15                       95                0              643               14.25
        700395093                     180                      7.78                       86            44.84              653               9.125
        700395180                     360                     19.66                    99.66            36.67              747               10.75
        700395245                     180                        20                      100                0              765               13.75
        700395421                     180                      9.63                    89.63            35.81              708               9.125
        700395494                     180                        20                      100            39.34              725                 8.5
        700395526                     180                        20                      100            44.03              680              10.625
        700395533                     180                        10                       90            34.74              708               9.875
        700395746                     180                     19.69                     94.3            42.08              689               13.75
        700395763                     360                        15                       95             39.5              694               9.875
        700395780                     180                        20                      100            45.63              740              10.875
        700395811                     180                        20                      100            44.05              725              10.625
        700395867                     180                     20.06                    99.99            41.83              651                  12
        700395958                     180                        20                       95            41.12              663                  10
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        700396064                     180                        20                      100             38.7              725               10.75
        700396082                     240                     35.61                    98.54            39.56              666              11.375
        700396131                     180                        20                      100             41.4              739               11.75
        700396142                     180                        20                      100            45.01              674               12.75
        700396169                     180                     13.16                    92.11            45.92              651               9.875
        700396189                     360                     19.57                    99.57            43.19              666                11.5
        700396208                     360                        20                       95             43.3              742              10.125
        700396270                     180                        10                       90                0              672               10.75
        700396303                     360                        20                      100            39.84              719              10.625
        700396441                     360                     14.98                    89.98            33.83              813              11.625
        700396750                     180                      9.87                    89.87            38.33              689              10.625
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        700396767                     180                        15                       95            11.73              799               11.25
        700396906                     180                        20                      100            34.56              675                  11
        700397067                     180                        15                       95            40.94              679                11.5
        700397097                     180                        20                      100            19.63              673              12.375
        700397285                     180                        15                       95            26.86              734                 9.5
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        700397428                     180                        20                      100            36.26              676               11.75
        700397485                     180                        20                      100            26.68              779               9.875
        700397566                     180                        20                      100            47.03              792              13.625
        700397670                     180                        15                       95            21.96              677              10.375
        700397701                     180                        20                       90            37.14              686               9.375
        700397745                     360                        20                      100            42.61              679              12.375
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        700398846                     360                        20                      100            44.78              691              10.875
        700399043                     180                        20                      100            38.42              730               10.75
        700399165                     360                        10                       90            43.14              655              11.625
        700399256                     360                        15                       95            40.78              738               9.625
        700399306                     180                        20                      100            38.98              660               9.875
        700399379                     360                        20                      100            39.77              698                 9.5
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        700399863                     180                        15                       95            40.51              677               9.875
        700399899                     180                        15                       95            38.87              664              10.375
        700399982                     180                        20                      100             42.1              698              11.125
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        700400873                     180                        25                      100            38.44              738               10.25
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        700400965                     180                        15                       95             39.3              718                10.5
        700401089                     180                        20                       90                0              700              12.375
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        700401222                     360                        15                       95            31.61              692               8.875
        700401302                     180                        20                      100            28.21              695                  10
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        700401446                     180                     21.79                       95            40.59              654              11.875
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        700401782                     180                        20                      100                0              735              10.875
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        700401853                     180                        20                      100                0              747                13.5
        700401874                     180                        20                      100            29.75              770              11.875
        700401920                     180                        10                       80                0              670                  13
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        700401961                     180                     19.99                    99.98            40.42              728              10.125
        700402182                     180                        20                    99.97            41.16              663              12.875
        700402265                     180                     14.98                     94.9            36.79              671              11.625
        700402409                     360                     14.99                    94.99            21.09              752                  13
        700402444                     180                        15                       95            17.26              699               8.875
        700402483                     180                        10                       90            49.66              671               7.875
        700402529                     180                        20                       90            43.24              667                  13
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        700402712                     180                        15                       90            47.75              730                  12
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        700403225                     180                        25                      100            40.29              662                  11
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        700403488                     180                        15                       95             34.2              665                  11
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        700403568                     180                        25                       90            38.76              658               9.875
        700403587                     180                     22.77                       95            38.16              660              11.875
        700403721                     180                        20                       90            31.35              716                12.5
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        700404897                     180                        15                       95            29.68              677              13.125
        700404907                     180                        15                       95                0              662                  14
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        700405033                     180                        20                      100             35.1              700              10.125
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        700405065                     180                        15                       95            35.59              648               11.75
        700405085                     180                        15                       95             39.6              793                  13
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        700405348                     180                        20                      100                0              694              12.875
        700405360                     180                         8                       88            37.84              676               10.75
        700405379                     180                        30                      100                0              710              12.875
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        700405493                     180                        15                       90            30.34              648              10.375
        700405514                     180                        15                       95            41.28              663              12.125
        700405760                     360                        20                      100            49.83              655                  11
        700405829                     180                        15                       90            34.56              682              12.625
        700405894                     180                        15                       90            31.95              662                  10
        700405947                     180                      9.68                    89.68                0              692               9.875
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        700406248                     360                        15                       95            41.56              697              11.625
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        700406445                     180                        20                      100            34.06              686                  10
        700406490                     180                        20                      100            43.85              676              12.375
        700406504                     180                        20                      100            47.36              699              11.875
        700406525                     180                        20                      100            41.57              785               8.875
        700406543                     180                        20                      100                0              723              12.625
        700406624                     180                        10                       90             40.9              692                11.5
        700406727                     180                        10                       90            31.76              778                  10
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        700407046                     360                        20                      100            48.45              789               9.625
        700407232                     180                        15                       95            30.89              768                   8
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        700407416                     180                        15                       95            32.36              789               12.25
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        700407664                     180                     23.91                    89.96            40.54              629              11.875
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        700407943                     180                        20                      100            41.67              783              10.875
        700408006                     180                        15                       95            29.88              792                  13
        700408016                     180                        15                       95                0              695               11.25
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        700408177                     360                      9.85                    88.41            41.64              665               11.75
        700408189                     360                        20                      100            41.82              716              10.625
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        700408269                     180                        20                      100            23.87              699               11.25
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        700408415                     180                        15                       95                0              714               14.25
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        700408620                     180                        20                      100            47.91              670              10.625
        700408643                     180                     15.38                       95             36.3              714              11.875
        700408722                     180                        12                       87            41.74              658               9.125
        700408735                     360                        20                      100             38.9              705               11.25
        700408826                     180                     19.65                    98.25            48.25              680              11.125
        700408876                     180                        20                      100            37.78              696              11.125
        700408926                     180                        10                       90            39.66              650              11.875
        700408960                     180                        20                      100                0              717              12.875
        700409139                     180                        30                      100            41.08              673              12.375
        700409161                     180                        20                      100            38.37              722                10.5
        700409179                     180                        20                      100            43.63              808               9.625
        700409187                     180                        15                       90                0              752                  12
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        700409223                     180                        15                    94.99            39.35              656              11.125
        700409375                     180                        20                      100            37.09              747               10.75
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        700409412                     360                        20                      100            39.59              689                11.5
        700409492                     180                        15                    94.99            39.51              665               14.25
        700409532                     180                        15                       95            46.98              644                  13
        700409555                     180                        20                      100            46.14              708              12.625
        700409607                     180                        20                      100            33.34              769               10.75
        700409694                     180                        20                      100            27.99              644               14.25
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        700409870                     180                        15                       95            42.29              650              11.625
        700409878                     360                        15                       95            41.56              779                11.5
        700410021                     180                        20                      100                0              772              11.375
        700410056                     180                        20                      100            45.31              622              14.125
        700410059                     180                        15                       95             43.6              687               9.875
        700410139                     360                        20                      100            37.38              661                  11
        700410298                     180                        20                      100             37.6              726               10.25
        700410321                     180                        25                      100                0              747               12.25
        700410366                     180                        20                      100            35.86              636              13.625
        700410436                     360                        20                       90             41.8              641              10.625
        700410446                     180                     19.95                    99.93            35.64              727                12.5
        700410472                     180                        15                       90            46.55              635              11.375
        700410481                     180                     14.88                    94.21            27.91              672               14.25
        700410485                     180                        15                       95            27.93              672               14.25
        700410519                     180                     12.61                    73.69            37.91              638              10.875
        700410578                     180                     19.94                    99.94                0              738                12.5
        700410661                     180                        13                       93            37.52              668              10.375
        700410668                     180                        15                       95            33.08              813                  13
        700410698                     180                        15                       95                0              703                12.5
        700410723                     180                        15                       95            26.94              788                11.5
        700410773                     180                        20                      100            13.66              737                  10
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        700410867                     180                        20                      100            43.48              727                8.75
        700411014                     360                        20                      100            33.76              684              12.875
        700411409                     180                        15                    94.99            31.24              698              10.375
        700411422                     180                        15                       95                0              744               13.25
        700411435                     180                        20                      100            41.47              646              11.125
        700411536                     360                        20                      100            36.29              699               11.75
        700411689                     180                        20                      100            18.06              746               10.25
        700411727                     180                        15                       95                0              768               12.25
        700411796                     360                        10                       90            41.05              691               9.375
        700411801                     180                        20                      100            50.37              656               12.25
        700411809                     180                        20                      100            38.03              724              10.875
        700411841                     180                        20                      100            38.02              662                  13
        700411994                     180                        20                      100            29.97              691               11.75
        700412059                     180                        20                      100             18.3              633                  13
        700412125                     180                        20                      100            42.66              626                13.5
        700412206                     180                     27.48                      100                0              684               13.25
        700412272                     180                      9.57                    86.09             23.3              757               8.125
        700412276                     360                        10                       75                0              706               8.875
        700412296                     180                        20                      100                0              697                  13
        700412367                     180                        15                       95            38.96              644               14.25
        700412391                     180                        30                      100                0              766              12.625
        700412404                     180                        13                       93            29.86              639               9.875
        700412426                     180                        15                       95                0              765               14.25
        700412431                     180                        20                       95            49.66              649              14.125
        700412438                     180                        20                      100            35.56              647               14.25
        700412549                     180                        20                      100            43.05              692              11.375
        700412600                     180                     14.99                    94.99            42.21              742               14.25
        700412653                     180                        20                      100            36.36              724               12.25
        700412689                     180                     20.02                      100            27.03              667               12.25
        700412870                     180                        15                       95            43.66              783               10.25
        700412891                     180                      8.04                       95            44.35              622                  14
        700412922                     180                      7.41                    87.41            36.35              725                 9.5
        700413052                     180                        20                      100            40.21              676              11.875
        700413073                     180                        15                       95            36.75              669               14.25
        700413150                     180                        20                      100             23.8              659               14.25
        700413156                     180                        20                      100            31.59              783              10.125
        700413174                     180                        10                       90            21.92              697                11.5
        700413271                     180                        20                      100            36.33              760               8.625
        700413395                     180                        15                       95                0              743               10.25
        700413400                     180                        20                      100            40.84              690                 9.5
        700413467                     180                        20                      100            35.46              648              14.125
        700413518                     180                        20                      100            42.37              620              13.375
        700413568                     180                        20                      100             44.3              657               14.25
        700413590                     180                     19.98                    89.98            44.78              702              10.125
        700413595                     180                      9.06                    89.06            31.24              666               11.25
        700413662                     240                        20                      100            37.81              650              13.875
        700413707                     180                     14.97                    94.21                0              736                  14
        700413708                     180                      9.97                    89.97             42.2              706               9.875
        700413727                     360                        20                       90                0              778               14.25
        700413793                     180                     25.87                      100            43.89              695              13.125
        700413833                     180                        20                      100            41.93              666                11.5
        700413880                     180                        20                      100            40.36              621                11.5
        700413927                     180                        20                      100            27.61              710              10.625
        700414021                     180                        25                      100            10.02              672              14.125
        700414064                     360                        20                      100            36.92              701                8.75
        700414172                     180                        15                       95                0              736                  14
        700414448                     360                        20                      100            49.35              646              11.875
        700414468                     180                        20                      100            39.97              713              12.125
        700414569                     180                        20                      100            41.43              665                  13
        700414608                     180                        10                       90            32.96              692                  12
        700414621                     180                        20                       90            36.15              649              10.375
        700414631                     180                        10                       90            35.98              661                  11
        700414654                     180                        20                      100                0              754               14.25
        700414741                     180                        15                       95            40.78              769              12.375
        700414753                     180                        15                       95            30.47              795              10.625
        700414824                     180                        20                      100            47.34              691              12.625
        700414858                     180                        15                       95            43.91              625               12.75
        700414901                     360                        15                       95            50.15              732              10.625
        700414909                     180                        15                       95            18.64              797              13.125
        700414910                     180                      13.7                    78.68            42.99              697                10.5
        700414929                     180                        20                      100            25.68              743              10.125
        700414972                     180                        20                      100            31.06              802                  10
        700415102                     180                        20                      100            20.52              662              11.375
        700415162                     360                        20                      100            34.06              703                8.75
        700415348                     180                        15                       95            48.51              681                9.75
        700415353                     180                        15                       95            45.89              734               9.625
        700415419                     360                        20                      100            36.86              628                  13
        700415434                     180                        10                       90            44.46              728                   9
        700415456                     180                        20                      100            34.92              682               11.75
        700415469                     360                        20                       95            30.35              653              13.875
        700415495                     180                        10                       90            38.08              708              12.625
        700415559                     180                        15                       95            39.54              700               9.875
        700415602                     180                     18.18                       95            27.27              692              12.875
        700415631                     180                        20                      100            36.15              784               8.375
        700415632                     180                        20                      100            49.01              754              12.625
        700415725                     360                        15                       95            26.31              671               14.25
        700415726                     240                        20                       95            44.87              683               11.25
        700415728                     360                        15                       95            26.61              671               14.25
        700415758                     360                        32                    77.08            40.32              693               10.25
        700415782                     180                        15                       95            39.55              753               9.125
        700415874                     180                        15                       95            12.88              743              10.625
        700415935                     360                        20                      100            42.35              720               12.25
        700416023                     180                        20                      100            32.82              658               13.75
        700416036                     180                         5                       85                0              731              12.375
        700416047                     180                      9.97                    89.69            42.27              680              11.875
        700416115                     180                        15                       95            40.86              657              10.375
        700416191                     180                      12.7                    87.37            49.88              748               8.125
        700416201                     180                        20                      100            49.93              642                13.5
        700416273                     180                     14.81                    86.15            34.13              653              10.125
        700416310                     180                     18.33                    94.63            40.81              631              10.547
        700416323                     180                        20                      100            40.16              722               10.25
        700416339                     360                        20                      100                0              730              13.375
        700416368                     180                        15                       95            34.89              730               10.75
        700416475                     180                     17.54                       90                0              752                12.5
        700416527                     180                      5.52                    85.52            39.26              747                  12
        700416536                     180                        20                      100            39.67              639                13.5
        700416541                     180                        15                       90            30.46              786              11.625
        700416552                     180                        15                       90            29.14              786              11.625
        700416609                     180                     19.89                    99.89            44.96              682                 9.5
        700416711                     180                        20                       90             39.4              675                13.5
        700416756                     180                        15                       95            39.27              772                9.25
        700416797                     180                        20                      100            42.76              672              12.375
        700416875                     180                        15                       95             31.2              685               14.25
        700416925                     180                        20                      100            49.36              643               14.25
        700417084                     180                      17.7                    94.96                0              715               14.25
        700417090                     180                        15                       95            14.85              693               12.75
        700417118                     360                        20                      100             39.7              752               10.25
        700417153                     180                        10                       90            35.39              746               9.875
        700417260                     180                        15                       95             29.2              666                13.5
        700417343                     180                     19.97                    99.97            27.95              682                9.75
        700417435                     180                        20                      100            33.98              680               13.75
        700417463                     180                        20                      100            39.48              680              11.625
        700417511                     180                        15                       95                0              659               13.75
        700417515                     180                      11.9                     91.9            44.18              647               9.125
        700417521                     180                        10                       90            40.06              698                8.75
        700417537                     180                        20                      100             41.2              648               11.75
        700417542                     180                        15                       95             40.3              671              12.875
        700417548                     360                        20                       95            38.05              665               12.25
        700417555                     360                        20                      100             46.7              672                  12
        700417613                     360                        15                       95            31.36              716              12.625
        700417683                     360                     25.56                    94.98            31.39              656               9.375
        700417701                     180                        20                      100            43.09              629               14.25
        700417712                     360                        20                      100            38.76              794               9.125
        700417737                     180                        15                       95            47.84              652               11.75
        700417759                     180                     15.75                       85            42.71              624               9.875
        700417793                     180                     13.44                     94.6            42.99              640                  11
        700417842                     180                        20                      100            44.23              684              12.875
        700417854                     180                        20                      100             33.6              692              10.875
        700417863                     180                        15                       95            39.32              680               14.25
        700417870                     180                     11.22                    91.22             32.6              709               9.875
        700417951                     360                        20                       90            30.88              672               13.25
        700417960                     360                        20                       90            30.85              672               13.25
        700417961                     360                     14.65                    92.79            39.76              661                8.75
        700418028                     180                        20                      100            31.87              660               12.25
        700418223                     180                        15                       95            22.61              681              11.875
        700418277                     180                        15                       95            22.61              681              11.875
        700418280                     180                     19.68                    79.68            31.96              661               9.625
        700418286                     180                        15                       95            22.61              681              11.875
        700418369                     180                        15                       95            39.86              732                9.75
        700418381                     180                     13.16                    83.75            36.84              710               8.875
        700418467                     180                        15                       95            44.42              627               14.25
        700418711                     180                        20                      100            41.52              669               12.25
        700418772                     360                        20                      100            44.15              723              11.875
        700418773                     180                        15                       95            44.99              622                  13
        700418959                     180                        20                      100            38.73              701              10.625
        700419067                     180                        30                      100             21.6              659               13.75
        700419177                     360                        10                       90            34.57              632               14.25
        700419240                     180                        20                      100            45.63              650                  12
        700419290                     180                        20                      100            26.15              702               9.875
        700419308                     180                        15                       95            24.83              751              13.125
        700419320                     180                        25                      100            43.18              651              13.125
        700419368                     180                        15                       95            25.34              751              13.125
        700419390                     180                       8.9                     88.9             29.2              631                 9.5
        700419406                     360                        15                       95            36.74              746                   8
        700419449                     360                        15                       95                0              722               11.75
        700419459                     180                        20                      100            44.24              737               10.25
        700419549                     180                        10                       90                0              685                 9.5
        700419607                     180                        20                      100            37.52              674               12.25
        700419650                     180                        15                       90                0              681               14.25
        700419706                     180                        20                      100            40.53              628               14.25
        700419881                     180                        20                      100                0              723                12.5
        700419956                     180                        10                       90                0              657                  13
        700419969                     180                        20                      100            44.85              640               14.25
        700420001                     180                        10                       80            43.81              670               12.25
        700420048                     180                     15.67                       95            43.75              632              10.375
        700420193                     360                        20                      100            29.28              700               11.25
        700420431                     180                     19.99                    99.98            25.55              691              11.125
        700420508                     360                        20                      100            43.57              641               13.75
        700420536                     360                        15                       95            34.86              697               9.875
        700420763                     180                     10.33                       95            42.52              629              13.125
        700420811                     180                        20                      100                0              664              12.875
        700420889                     180                        20                      100                0              673              13.625
        700420901                     360                        23                      100            17.63              684               10.25
        700420984                     180                        20                      100             37.8              625               14.25
        700420998                     180                        20                      100            21.06              621                  14
        700421051                     360                        15                       90            12.71              630              12.125
        700421218                     180                        20                      100            37.27              641               11.75
        700421243                     180                        20                      100            32.12              714                10.5
        700421296                     180                        20                      100            43.02              681               12.25
        700421343                     180                        10                       90                0              744                 9.5
        700421365                     360                        20                      100            41.19              708              10.625
        700421394                     180                     19.99                    94.99            32.32              683                 9.5
        700421428                     180                        15                    96.33            39.34              693                13.5
        700421429                     180                     15.87                       95            19.23              646               14.25
        700421670                     180                        20                      100            43.69              625               14.25
        700421786                     360                        15                       95            42.27              742               9.125
        700421831                     360                        15                       95            49.39              681                9.75
        700421898                     180                        20                      100             25.9              743              13.375
        700421961                     180                        15                       90            43.92              639                10.5
        700422011                     180                        20                      100            33.01              733              10.375
        700422119                     180                        17                       97            36.57              652              12.375
        700422143                     360                        20                      100            36.58              730              12.375
        700422200                     180                        10                       90            38.79              634              10.875
        700422221                     180                        20                       90            36.28              721               11.75
        700422224                     180                        20                      100                0              708                  12
        700422227                     180                        15                       95            29.39              679               14.25
        700422284                     360                      9.14                    89.14            34.18              690                   9
        700422294                     360                        15                       95            37.01              720              12.625
        700422394                     180                        20                      100            50.15              654               11.25
        700422503                     360                        15                       95            31.51              727                  10
        700422664                     180                        10                       90            25.47              682               11.75
        700422673                     360                     19.83                    99.17            38.53              718                13.5
        700422693                     180                        20                      100            15.68              636               14.25
        700422694                     360                      9.09                    89.09            43.69              702              10.625
        700422714                     240                        20                       90                0              701               14.25
        700422718                     180                        20                      100            44.32              663              11.875
        700423148                     180                        20                      100                0              726                  13
        700423215                     180                        20                       95             41.8              790              11.625
        700423252                     180                        20                      100            40.42              685                11.5
        700423345                     180                        15                       95            46.38              678              11.875
        700423416                     180                        15                       95            33.89              799                  12
        700423420                     180                        15                       95             30.5              778                  12
        700423445                     180                        20                      100            41.24              720               10.25
        700423513                     180                        10                       90            41.41              736              11.625
        700423536                     180                        20                      100            34.35              682              12.375
        700423549                     180                        20                      100            33.42              709              10.875
        700423740                     180                        15                       95            35.86              648               14.25
        700423758                     180                        15                       95            30.91              712                11.5
        700423836                     180                        20                      100            42.53              697              12.875
        700423995                     180                        25                       95            48.11              696               14.25
        700424008                     180                        20                      100                0              724              12.375
        700424042                     180                        15                       90            41.77              702              11.125
        700424044                     180                      17.1                    65.11            39.17              648              10.875
        700424165                     180                       9.9                    89.13            43.43              698               9.875
        700424174                     180                        20                      100            29.63              670               13.75
        700424199                     180                        19                       90            35.25              648                  10
        700424204                     180                        20                      100            33.59              731               12.75
        700424217                     180                        10                       90                0              709                11.5
        700424272                     360                        20                      100            38.36              626              11.625
        700424448                     180                      9.99                    89.99            38.13              719               9.125
        700424462                     180                     15.23                     83.5            42.02              709                  13
        700424489                     360                        15                       95             34.2              750                12.5
        700424530                     180                        20                      100            32.97              777                  12
        700424757                     180                        10                       90                0              743               13.75
        700424814                     180                        20                      100             48.5              760               11.75
        700424847                     180                        15                       95            40.36              632                12.5
        700424964                     360                        15                       95                0              689                9.75
        700424968                     180                        20                      100            44.69              620               14.25
        700425183                     180                     36.76                    99.98            35.88              714              10.625
        700425202                     180                        15                       95            33.71              668               14.25
        700425211                     180                        25                       95            28.15              648               11.25
        700425212                     180                      9.82                    89.82            37.89              715                11.5
        700425228                     180                        10                       90                0              733                 9.5
        700425259                     180                        20                      100                0              728              12.625
        700425398                     180                        20                      100                0              722                  12
        700425442                     180                        20                      100            43.47              752              12.625
        700425444                     180                        20                      100            36.54              653                10.5
        700425556                     180                        20                      100                0              735              12.125
        700425578                     180                        20                      100            36.55              700                12.5
        700425730                     180                        20                      100             45.6              720               9.875
        700425758                     180                        15                       95             35.5              669                 9.5
        700425834                     180                        15                       95                0              676                11.5
        700425853                     180                        20                      100            36.96              678                12.5
        700425959                     180                        15                       95                0              718              10.625
        700426038                     360                        20                      100            33.53              692                11.5
        700426061                     180                        20                      100            49.79              662               12.25
        700426169                     180                        20                      100             39.9              701                10.5
        700426180                     360                        20                      100                0              742              12.375
        700426181                     180                     17.54                    84.98            39.64              745               10.25
        700426227                     180                     20.02                      100                0              720              12.625
        700426316                     180                        15                       95             8.95              738              12.875
        700426326                     180                        10                       90            35.97              635              10.875
        700426462                     180                        10                       85            42.56              656               8.625
        700426583                     180                        15                       90             24.6              634              11.875
        700426618                     180                        20                      100                0              691              13.625
        700426725                     360                        20                      100            39.52              652              13.625
        700426803                     360                        15                       95            33.85              673              12.625
        700426860                     180                        20                      100            44.16              670              12.375
        700427003                     180                        20                      100            36.47              685              11.125
        700427083                     360                        20                      100            49.55              656                10.5
        700427103                     180                        20                      100            40.12              674                13.5
        700427213                     360                        15                    94.99            43.09              692               10.75
        700427337                     180                     19.84                    99.22                0              662              13.625
        700427364                     240                        20                      100            33.41              681                  11
        700427453                     180                        15                       95             30.9              702               13.25
        700427493                     180                        10                       90            44.27              659                10.5
        700427540                     180                      9.82                    88.37                0              651              10.625
        700427583                     360                        20                      100            38.37              626               14.25
        700427617                     180                      7.62                    83.23            41.88              740               9.875
        700427791                     180                        15                       95            35.93              705               10.25
        700427857                     180                        20                      100            31.13              718              11.125
        700427886                     180                     20.01                    94.99            31.23              628                12.5
        700427901                     240                     28.18                    91.53            36.76              646               9.625
        700427934                     180                        20                      100                0              726              12.625
        700427951                     180                      7.08                    87.08                0              722               9.125
        700427998                     240                        20                      100                0              735                  10
        700428001                     180                        15                       95            28.81              718                13.5
        700428110                     180                        20                      100            38.21              720               10.25
        700428147                     360                        20                       95            33.61              682              12.625
        700428162                     180                        20                      100            44.42              703              10.875
        700428425                     180                        20                      100                0              702               10.75
        700428483                     180                        20                      100            31.06              677              12.375
        700428544                     180                        20                      100                0              745              12.625
        700428579                     360                        20                      100                0              727                13.5
        700428721                     180                     26.52                      100            31.68              629                  12
        700428795                     180                        20                      100                0              681                  13
        700428800                     180                        15                       95            37.69              700                 9.5
        700428815                     180                        20                      100            43.01              673               11.75
        700428877                     180                        20                      100            43.83              688                11.5
        700428897                     180                        20                      100            42.08              732                9.75
        700428951                     360                        10                       90                0              678               10.75
        700429032                     180                      9.98                    84.84                0              695              12.375
        700429107                     180                     51.05                    88.11            35.68              697               7.875
        700429318                     180                        20                      100            41.45              624               14.25
        700429399                     360                        20                      100            35.71              705              12.375
        700429410                     180                        15                       95            49.84              651               14.25
        700429515                     360                        15                       90            38.83              687                12.5
        700429608                     180                        20                      100             43.7              654              12.625
        700429657                     180                      9.97                    89.97            44.53              661               11.25
        700429661                     180                        15                       95                0              766               12.75
        700429850                     180                        20                      100            31.66              656              13.875
        700429899                     180                        20                      100            44.78              654               14.25
        700429956                     180                        20                      100                0              675               14.25
        700429970                     180                        20                      100            43.54              635               14.25
        700430110                     180                        10                       90            44.04              646               9.125
        700430181                     180                        20                      100            41.01              739               10.25
        700430223                     360                        20                      100            31.58              758                   9
        700430407                     180                        20                      100                0              716              11.875
        700430456                     180                        15                       95            41.48              705               14.25
        700430477                     360                        20                      100            42.34              688               11.25
        700430525                     180                        10                       90                0              743               13.75
        700430559                     360                        20                      100            42.45              706              10.875
        700430606                     180                        20                      100            41.72              716              11.125
        700430614                     180                        20                      100             43.5              673               14.25
        700430683                     180                        20                      100                0              682              12.625
        700430738                     180                        20                       95             43.5              651               14.25
        700430837                     180                        20                      100            37.97              696                13.5
        700430841                     180                        15                       95               42              637               12.75
        700430906                     180                        15                       95            49.95              704               14.25
        700430915                     180                        20                      100            41.63              666              11.875
        700431129                     180                        15                       95            41.04              622               12.75
        700431216                     180                        20                      100                0              687              12.625
        700431252                     180                        10                       90                0              670              13.125
        700431309                     180                        20                      100            38.14              650               14.25
        700431400                     180                        20                      100                0              699               13.25
        700431716                     180                        20                      100                0              743               13.25
        700431754                     180                        20                      100            38.01              648              13.625
        700431888                     360                     27.86                    84.41            39.89              662               11.25
        700431914                     360                        20                      100             43.6              791                9.75
        700432029                     180                        20                      100            41.76              680              11.125
        700432093                     180                        20                      100                0              666                  14
        700432358                     180                        20                      100             34.8              748               9.875
        700432436                     180                     14.97                    94.97            37.58              673              11.875
        700432618                     360                        25                       95             44.5              660                  13
        700432796                     360                        20                      100            42.94              634              12.875
        700432834                     180                        20                       90                0              674              14.125
        700432937                     180                        20                      100            35.55              703              11.875
        700433131                     360                        20                       95             34.3              629              10.375
        700433178                     180                        15                       95                0              673               14.25
        700433191                     360                      8.93                     70.7            45.95              659                10.5
        700433223                     180                        15                       95                0              673               14.25
        700433229                     180                     10.81                    52.22            44.54              712                 8.5
        700433329                     180                        20                      100            43.78              689              11.125
        700433351                     180                     13.68                    79.32                0              641                10.5
        700433390                     180                        15                       90            16.86              655                12.5
        700433432                     180                        20                      100            42.97              694               8.875
        700433466                     360                        20                      100            48.24              665                12.5
        700433514                     180                        15                       95            37.62              654              12.125
        700433567                     360                        10                       90            18.66              715              10.125
        700433579                     180                        20                      100                0              693               12.75
        700433742                     180                        20                      100            47.44              623              12.875
        700433769                     180                        20                      100            36.88              676               14.25
        700434618                     180                        20                      100            44.06              641               13.25
        700434808                     360                        20                      100            42.34              722              10.375
        700434881                     180                        20                      100                0              748              13.875
        700434956                     180                        10                      100             33.4              685               12.25
        700435028                     180                        20                      100            34.03              705               12.25
        700435080                     180                        15                       95            42.12              706               12.25
        700435197                     360                        10                       90            42.38              711                9.25
        700435202                     180                      9.96                    89.96            42.83              696               9.375
        700435226                     360                     10.77                    98.33            37.28              660               9.625
        700435359                     180                        20                      100            42.29              638               14.25
        700435495                     180                        20                      100            34.55              670              12.625
        700435826                     180                        10                       90                0              692              13.625
        700436412                     180                        20                      100                0              710              13.625
        700436922                     360                        20                      100                0              733              12.875
        700437064                     180                        15                       95            49.28              681               11.75
        700437144                     360                        10                       90            25.38              627              11.625
        700437164                     180                        15                       95               45              664               10.75
        700437893                     180                        20                      100            49.77              667               14.25
        700438145                     180                        15                       95                0              671              12.125
        700438240                     180                        20                    98.83            36.46              703                10.5
        700439222                     360                        20                      100                0              688                  13
        700439347                     180                        20                      100            42.58              686              10.625
        700439553                     180                     14.97                    94.97            32.46              733              12.625
        700439656                     180                        20                      100            36.77              701                  11
        700440158                     180                        20                      100            47.92              716                12.5
        700440735                     180                        20                      100                0              745               14.25
        700440907                     180                     16.51                    83.11            32.83              622                9.75
        700440908                     180                        20                      100            36.08              728               10.75
        700441427                     180                        15                       95            38.53              648              11.125
        700442709                     180                        20                      100            46.77              665              13.875
        700442784                     180                        20                      100                0              756               14.25
        700443456                     180                        20                      100            37.85              631                13.5
        700443633                     180                        20                      100            42.87              654              14.125
        700445641                     180                        15                       95            33.25              642               14.25

                                                                                                                                       11.13838652

         LOAN_NO                         MATURITY_DATE               CURR_PI_PAYMENT            ORIG_BALANCE                SCHED_BALANCE
-----------------------------------------------------------------------------------------------------------------------------------------
        500356453                           4/1/2020                     1,016.83                127,800.00                  126,261.99
        500761165                           6/1/2021                       377.92                 36,400.00                   36,337.70
        500763132                           6/1/2021                       198.26                 23,325.00                   23,256.60
        500767705                           7/1/2021                       476.16                 50,000.00                   49,909.21
        500771148                           7/1/2021                       161.82                 16,500.00                   16,472.41
        500771558                           7/1/2026                       487.66                 41,000.00                   40,821.34
        500771548                           7/1/2026                       487.66                 41,000.00                   40,821.34
        500771542                           7/1/2026                       487.67                 41,000.00                   40,821.29
        500780979                           7/1/2021                       871.66                102,550.00                  102,246.40
        500783976                           8/1/2021                       112.58                 10,000.00                    9,991.20
        500783999                           8/1/2021                       112.58                 10,000.00                    9,876.13
        500784014                           8/1/2021                       112.58                 10,000.00                    9,991.20
        500785434                           7/1/2021                       460.37                 54,750.00                   54,593.85
        500785780                           7/1/2021                       385.69                 40,500.00                   40,426.46
        500791939                           8/1/2021                       998.34                 94,400.00                   94,296.07
        500792328                           7/1/2021                       486.28                 56,000.00                   55,870.23
        500792522                           8/1/2036                       347.31                 47,900.00                   47,766.83
        500792469                           8/1/2021                       743.81                 65,500.00                   65,444.04
        500792709                           9/1/2036                       386.62                 45,000.00                   44,936.50
        500793545                           8/1/2036                       792.01                 83,998.00                   83,873.20
        500787683                           8/1/2036                       427.36                 44,000.00                   43,938.43
        500793699                           8/1/2021                       392.95                 43,400.00                   43,328.20
        500793990                           8/1/2036                       494.94                 46,800.00                   46,749.97
        500794668                          7/19/2026                       335.76                 32,000.00                   31,854.93
        500794775                           6/1/2021                     2,037.55                187,500.00                  187,220.51
        500794869                           7/1/2021                       838.53                 97,600.00                   97,368.61
        500796635                           8/1/2036                       907.86                104,550.00                  104,263.21
        500797342                           7/1/2021                       109.11                 10,608.00                   10,592.55
        500794580                           8/1/2021                       376.77                 49,000.00                   48,879.98
        500797762                           8/1/2021                       437.07                 45,000.00                   44,938.36
        500797483                           7/1/2036                       345.57                 31,800.00                   31,760.70
        500798434                           6/1/2021                     1,304.32                128,000.00                  127,768.42
        500798500                           7/1/2021                       121.13                 10,950.00                   10,783.74
        500792147                           8/1/2021                       640.35                 60,000.00                   59,937.64
        500799473                           8/1/2021                       194.06                 19,980.00                   19,952.63
        500800143                           7/1/2021                       144.53                 15,800.00                   15,768.00
        500800135                           7/1/2021                       144.53                 15,800.00                   15,768.05
        500800124                           7/1/2021                       144.53                 15,800.00                   15,768.05
        500800177                           7/1/2021                       144.53                 15,800.00                   15,768.05
        500800212                           7/1/2021                       220.37                 25,650.00                   25,589.20
        500800737                           8/1/2021                       133.48                 12,600.00                   12,338.90
        500800855                           8/1/2036                       301.39                 27,735.00                   27,707.17
        500801223                           9/1/2021                       393.57                 33,780.00                   33,760.25
        500801516                           7/1/2021                       199.97                 20,000.00                   19,968.30
        500801519                           8/1/2021                       798.14                 90,000.00                   89,842.98
        500801618                           7/1/2021                       305.95                 32,775.00                   32,712.18
        500803068                           9/1/2036                       522.75                 56,000.00                   55,936.19
        500803192                           8/1/2021                        447.6                 47,950.00                   47,876.82
        500803202                           8/1/2021                       445.65                 53,000.00                   52,894.46
        500803355                           8/1/2036                       676.15                 71,000.00                   70,897.33
        500804142                           8/1/2021                       713.64                 74,200.00                   74,095.22
        500804255                           8/1/2021                       225.34                 25,950.00                   25,902.24
        500804347                           7/1/2021                       408.86                 46,590.00                   46,485.22
        500804983                          7/31/2021                        597.9                 59,800.00                   59,724.56
        500805320                          7/21/2021                       343.66                 40,000.00                   39,754.05
        500805520                           8/1/2021                     1,165.51                120,000.00                  119,835.67
        500805543                           7/1/2021                       170.58                 14,160.00                   14,147.55
        500805647                           8/1/2021                       800.43                 84,050.00                   83,928.46
        500806144                           8/1/2036                       796.14                 83,600.00                   83,479.12
        500806147                           8/1/2021                       640.98                 67,980.00                   67,879.00
        500806183                           8/1/2021                        276.6                 30,550.00                   30,499.46
        500806213                           8/1/2036                       399.06                 42,750.00                   42,684.76
        500806040                           8/1/2036                       399.07                 45,000.00                   44,921.48
        500806202                           7/1/2021                       469.83                 39,000.00                   38,965.67
        500806364                           8/1/2021                       770.12                 82,500.00                   82,374.08
        500806367                           9/1/2036                     1,681.71                200,000.00                  199,702.23
        500806567                           8/1/2021                       447.35                 40,800.00                   40,760.98
        500806594                           8/1/2021                        310.3                 39,000.00                   38,911.58
        500806839                           8/1/2021                     1,113.36                138,370.00                  138,026.77
        500806743                           8/1/2036                       228.21                 21,000.00                   20,979.34
        500806933                           7/1/2021                       912.33                 95,800.00                   95,626.03
        500807462                           8/1/2021                       316.76                 29,680.00                   29,649.16
        500807495                           9/1/2021                     1,623.20                199,500.00                  199,179.06
        500807533                           9/1/2021                       938.12                 87,900.00                   87,831.81
        500807585                           7/1/2021                       952.32                100,000.00                   99,818.44
        500807587                           7/1/2021                       532.05                 70,000.00                   69,779.39
        500807895                           8/1/2021                       725.75                 82,700.00                   82,551.81
        500807900                           8/1/2021                       390.76                 45,000.00                   44,916.94
        500807903                           8/1/2021                          861                100,800.00                  100,800.00
        500808000                           8/1/2036                       337.69                 40,600.00                   40,517.03
        500808013                           8/1/2021                       359.35                 35,600.00                   35,556.29
        500808072                           8/1/2036                        129.6                 13,214.00                   13,196.39
        500808077                           8/1/2021                       154.98                 15,650.00                   15,629.70
        500808139                           8/1/2021                       120.82                 12,200.00                   12,184.16
        500808800                           8/1/2021                       615.82                 73,237.00                   73,091.17
        500808128                           8/1/2021                       154.98                 15,650.00                   15,629.70
        500809023                           9/1/2021                       435.97                 45,780.00                   45,730.59
        500796652                           8/1/2021                       475.34                 53,600.00                   53,504.46
        500809166                           9/1/2036                       496.71                 56,600.00                   56,524.25
        500809387                           8/1/2021                       800.43                 74,999.00                   74,609.15
        500809405                           8/1/2021                     1,009.87                105,000.00                  104,852.23
        500809427                           8/1/2036                       644.47                 81,000.00                   80,816.35
        500794432                           7/1/2021                       588.22                 76,500.00                   76,264.97
        500810345                           8/1/2021                       326.59                 33,300.00                   33,084.04
        500810379                           9/1/2036                       232.13                 21,750.00                   21,733.12
        500809579                           8/1/2021                     1,465.22                155,397.00                  155,166.15
        500811401                           8/1/2036                       365.11                 33,300.00                   33,268.18
        500810740                           8/1/2036                       906.34                125,000.00                  124,652.49
        500811568                           8/1/2021                       410.68                 47,800.00                   47,709.69
        500811806                           7/1/2021                       213.11                 18,750.00                   18,540.00
        500812485                           8/1/2021                       988.87                 90,998.00                   90,908.51
        500812533                           7/1/2021                        888.5                 82,500.00                   82,395.15
        500812707                           8/1/2021                       806.54                 66,950.00                   66,903.14
        500812710                           8/1/2021                       570.42                 65,000.00                   64,883.55
        500812714                           8/1/2021                       870.83                110,000.00                  110,000.00
        500812715                           8/1/2021                     1,223.87                142,450.00                  142,180.89
        500812716                           8/1/2021                          595                 68,000.00                   68,000.00
        500812720                           8/1/2021                       987.21                120,000.00                  119,748.26
        500812742                           8/1/2021                       635.39                 83,600.00                   83,557.89
        500812839                           9/1/2036                       257.91                 36,000.00                   35,923.19
        500812992                           9/1/2021                       240.74                 23,850.00                   23,828.16
        500802412                           8/1/2021                       240.18                 29,850.00                   29,542.06
        500813179                           8/1/2021                       502.99                 48,000.00                   47,947.24
        500813186                           8/1/2021                       156.26                 15,480.00                   15,460.99
        500813200                           8/1/2021                       926.49                 84,500.00                   84,419.21
        500813431                           8/1/2021                     1,970.42                189,784.00                  189,569.54
        500777840                           8/1/2021                       160.39                 17,010.00                   16,984.71
        500772684                           6/1/2021                       491.71                 61,800.00                   61,579.76
        500813496                           8/1/2021                       420.11                 48,898.00                   48,805.63
        500813652                           8/1/2021                       340.86                 33,450.00                   33,410.04
        500740344                           8/1/2021                       486.58                 54,300.00                   54,207.71
        500813690                          7/19/2021                       676.91                 74,000.00                   73,880.80
        500813822                           9/1/2021                       683.83                 74,000.00                   73,913.37
        500813885                           8/1/2021                       366.76                 33,750.00                   33,716.81
        500813898                           9/1/2021                       342.36                 35,950.00                   35,911.19
        500814038                           9/1/2021                       624.64                 58,000.00                   57,855.20
        500814063                           9/1/2021                       468.24                 54,500.00                   54,420.80
        500814062                           9/1/2021                       247.03                 29,700.00                   29,654.65
        500814071                           8/1/2021                       572.39                 57,800.00                   57,725.04
        500814124                           8/1/2021                       803.74                 76,700.00                   76,615.68
        500814175                           8/1/2021                       634.78                 66,000.00                   65,907.09
        500814382                           8/1/2021                       754.16                 86,850.00                   86,690.21
        500814383                           9/1/2036                       526.29                 48,000.00                   47,965.77
        500814430                           9/1/2021                       218.37                 28,400.00                   27,350.99
        500814573                           8/1/2021                       845.06                101,600.00                  101,306.04
        500814574                           8/1/2026                        539.3                 64,000.00                   63,917.07
        500814575                           8/1/2021                          425                 51,000.00                   51,000.00
        500814578                           8/1/2021                       388.89                 50,000.00                   49,880.65
        500814579                           8/1/2021                       438.19                 48,900.00                   48,780.99
        500814718                           9/1/2036                       241.02                 23,000.00                   22,981.12
        500814771                           8/1/2036                       697.67                 79,500.00                   79,357.55
        500814806                           8/1/2021                       152.14                 14,000.00                   13,986.22
        500814762                           8/1/2036                       697.74                 74,000.00                   73,890.06
        500814868                           8/1/2021                       839.13                102,000.00                  101,786.02
        500814883                           8/1/2021                       356.75                 39,000.00                   38,936.41
        500814872                           8/1/2036                       353.42                 40,700.00                   40,625.11
        500814808                           8/1/2021                       253.95                 25,399.00                   25,366.95
        500814224                           8/1/2021                       526.29                 48,000.00                   47,954.11
        500814946                           8/1/2021                        496.1                 59,000.00                   58,882.54
        500815299                           8/1/2021                       673.25                 70,000.00                   69,901.48
        500815377                           8/1/2021                       110.03                 10,500.00                   10,488.46
        500815323                           9/1/2021                       593.61                 49,275.00                   49,240.44
        500815395                           9/1/2021                       593.61                 49,275.00                   49,242.82
        500815433                           9/1/2036                       353.42                 40,700.00                   40,644.06
        500809240                           8/1/2021                       289.98                 32,360.00                   32,305.02
        500815484                           8/1/2021                       745.92                 93,750.00                   93,537.41
        500815444                           2/1/2021                     1,139.39                103,000.00                  102,746.22
        500815747                           8/1/2036                       152.85                 15,000.00                   14,982.09
        500815824                           8/1/2021                       489.29                 44,625.00                   44,582.32
        500815857                           8/1/2021                       626.36                 63,250.00                   63,167.98
        500815863                           8/1/2021                       197.56                 22,995.00                   22,951.56
        500815905                           8/1/2021                       245.29                 21,980.00                   21,956.06
        500815938                           8/1/2021                       521.01                 60,000.00                   59,879.35
        500815956                           9/1/2036                       307.81                 33,650.00                   33,609.53
        500815984                           8/1/2021                       666.94                 65,450.00                   65,371.81
        500813699                           8/1/2021                       186.67                 22,200.00                   22,002.61
        500816230                           8/1/2021                       912.99                 95,870.00                   95,731.39
        500816243                           8/1/2021                       219.53                 19,500.00                   19,482.85
        500816247                           8/1/2021                     1,081.19                117,000.00                  116,107.90
        500816258                           8/1/2021                       248.67                 21,000.00                   20,825.28
        500816282                           8/1/2026                       219.22                 19,000.00                   18,929.51
        500816389                           8/1/2021                       420.07                 45,000.00                   44,931.30
        500816397                           9/1/2021                       232.01                 26,162.00                   26,127.91
        500816459                           9/1/2021                       706.59                 70,000.00                   69,935.86
        500816188                           8/1/2036                          663                 67,600.00                   67,509.89
        500816578                           9/1/2021                       214.79                 25,000.00                   24,964.72
        500816602                           9/1/2021                       207.92                 24,200.00                   24,120.98
        500816606                           8/1/2036                       598.18                 82,500.00                   82,270.66
        500816177                           8/1/2036                       633.89                 73,000.00                   72,865.71
        500816723                           8/1/2021                       306.92                 31,600.00                   31,556.72
        500816732                           8/1/2021                       691.54                 71,200.00                   71,102.48
        500817035                           8/1/2021                       195.27                 24,000.00                   23,948.34
        500813920                           8/1/2021                          322                 31,900.00                   31,859.82
        500817278                           9/1/2021                     1,411.94                129,930.00                  129,834.69
        500811389                           8/1/2021                       262.79                 29,025.00                   28,977.01
        500817450                           8/1/2021                       382.07                 44,000.00                   43,919.06
        500817456                           8/1/2021                       933.46                 99,000.00                   98,852.92
        500817457                           9/1/2021                       634.54                 60,000.00                   59,952.14
        500817460                           8/1/2021                       867.04                 98,800.00                   98,622.95
        500817461                           8/1/2021                       647.79                 74,600.00                   74,462.75
        500817463                           8/1/2021                       761.59                 89,600.00                   89,426.23
        500817465                           8/1/2021                     1,493.57                160,000.00                  159,755.79
        500817467                           8/1/2021                       579.33                 72,000.00                   71,840.91
        500817515                           8/1/2021                       301.17                 25,000.00                   24,982.51
        500817585                           9/1/2021                       274.11                 28,500.00                   28,470.05
        500817615                           8/1/2021                       316.94                 41,699.00                   41,594.24
        500817657                           7/1/2021                     1,008.66                106,000.00                  105,807.09
        500817660                           7/1/2021                       871.13                 78,750.00                   78,657.98
        500817731                           8/1/2021                       658.61                 72,000.00                   71,757.70
        500817752                           8/1/2021                        283.9                 27,600.00                   27,567.92
        500817945                           9/1/2021                       502.64                 52,780.00                   52,572.09
        500810652                           8/1/2036                        150.3                 14,750.00                   14,732.39
        500817986                           8/1/2021                       886.67                112,000.00                  112,000.00
        500812812                           8/1/2021                       543.11                 52,800.00                   52,738.65
        500818122                           9/1/2021                       342.84                 36,000.00                   35,946.61
        500818198                           8/1/2036                       322.89                 38,400.00                   38,323.54
        500818071                           8/1/2021                       561.62                 54,600.00                   54,536.58
        500768076                           6/1/2021                       307.37                 34,660.00                   34,565.87
        500818488                           8/1/2021                        506.3                 56,500.00                   56,403.99
        500818616                           8/1/2036                       164.98                 16,500.00                   16,479.14
        500818657                           9/1/2026                       248.76                 26,000.00                   25,894.73
        500818702                           9/1/2021                       416.81                 48,000.00                   47,934.03
        500818767                           9/1/2021                          572                 64,500.00                   64,415.95
        500818821                           9/1/2021                       237.93                 27,400.00                   27,362.34
        500793436                           8/1/2021                       277.42                 36,080.00                   35,991.66
        500819040                           8/1/2021                       618.26                 59,000.00                   58,935.14
        500819131                           8/1/2021                       296.23                 30,800.00                   30,756.64
        500819470                           8/1/2021                     1,416.09                145,800.00                  145,600.36
        500819422                           8/1/2021                       442.42                 46,000.00                   45,935.26
        500819518                           7/1/2026                       626.79                 53,500.00                   53,258.78
        500819407                           9/1/2021                       312.61                 36,000.00                   35,950.52
        500819477                           9/1/2036                     1,132.41                 94,000.00                   93,950.94
        500819374                           8/1/2021                       345.94                 34,600.00                   34,556.36
        500819623                           8/1/2021                       283.59                 30,380.00                   30,333.63
        500819622                           8/1/2021                     1,337.20                130,000.00                  129,848.95
        500819661                           8/1/2036                        765.5                 77,300.00                   77,199.73
        500819684                           9/1/2021                       702.09                 82,600.00                   82,480.33
        500819695                           9/1/2021                       319.05                 37,943.00                   37,886.55
        500819774                           8/1/2021                       559.97                 58,800.00                   58,714.96
        500819504                           7/1/2021                       401.29                 37,600.00                   37,550.88
        500819527                           8/1/2021                       653.68                 62,960.00                   62,888.84
        500819580                           8/1/2036                       150.47                 15,800.00                   15,777.14
        500819852                           9/1/2021                       354.02                 45,000.00                   44,921.76
        500819891                           8/1/2021                       548.48                 62,500.00                   62,346.31
        500819902                           8/1/2021                       232.13                 21,750.00                   21,727.38
        500819907                           8/1/2021                       411.34                 50,000.00                   49,895.11
        500819917                           8/1/2021                       553.29                 52,800.00                   52,741.96
        500820057                           8/1/2021                       465.57                 59,180.00                   59,042.30
        500820088                           9/1/2021                        560.9                 57,750.00                   57,690.77
        500820112                           8/1/2021                       976.54                107,857.00                  107,678.59
        500820151                           8/1/2021                       644.37                 75,000.00                   74,858.31
        500820187                           8/1/2021                       640.35                 60,000.00                   59,937.64
        500819255                           8/1/2021                          132                 14,000.00                   13,979.22
        500820206                           8/1/2021                     1,120.18                120,000.00                  119,816.84
        500820236                           8/1/2021                       686.05                 75,000.00                   74,879.23
        500820246                           8/1/2021                       184.19                 18,600.00                   17,968.40
        500820248                           8/1/2021                     1,085.44                125,000.00                  124,770.01
        500820306                           8/1/2026                       381.82                 44,200.00                   44,137.79
        500819317                           9/1/2036                       396.93                 32,949.00                   32,931.81
        500820409                           9/1/2021                       304.67                 34,000.00                   33,956.87
        500820460                           8/1/2021                     1,095.89                 98,200.00                   98,111.24
        500820578                           8/1/2021                       912.61                 82,500.00                   82,423.33
        500820661                           8/1/2036                       231.19                 25,800.00                   25,756.19
        500820677                           8/1/2021                       332.32                 35,600.00                   35,528.60
        500820683                           8/1/2021                       188.58                 20,000.00                   19,621.24
        500820293                           8/1/2021                       517.65                 54,900.00                   54,818.42
        500820721                           9/1/2021                        915.1                 82,000.00                   81,944.73
        500820723                           9/1/2026                       256.76                 22,253.00                   22,191.38
        500820772                           8/1/2021                       464.87                 49,800.00                   49,688.23
        500820415                           9/1/2021                       485.44                 45,485.00                   45,439.51
        500820770                           8/1/2021                     1,393.70                133,000.00                  132,681.12
        500820831                           9/1/2021                     1,278.47                118,710.00                  118,618.90
        500820833                           8/1/2036                       173.43                 20,625.00                   20,583.92
        500821182                           8/1/2021                     1,088.08                 97,500.00                   97,411.88
        500821234                           8/1/2021                       199.54                 22,500.00                   22,460.72
        500821299                           8/1/2021                     1,171.85                109,800.00                  109,685.83
        500821378                           8/1/2036                       236.12                 31,800.00                   30,603.23
        500821627                           9/1/2036                       537.45                 57,000.00                   56,926.76
        500813749                           8/1/2021                       570.09                 52,935.00                   52,881.48
        500813101                           9/1/2036                       801.26                 74,400.00                   74,343.89
        500821654                           9/1/2021                       326.74                 29,800.00                   29,778.74
        500821134                           9/1/2021                       342.47                 37,060.00                   37,016.62
        500812084                           9/1/2036                       773.01                 83,650.00                   83,552.06
        500821738                           8/1/2021                       312.61                 36,000.00                   35,756.81
        500821787                           9/1/2021                       315.08                 30,920.00                   30,750.99
        500821789                           8/1/2021                       502.69                 49,800.00                   49,737.59
        500821800                           8/1/2021                     1,267.57                128,000.00                  127,834.01
        500821867                           8/1/2021                       873.25                 99,800.00                   99,800.00
        500821868                           8/1/2021                       385.21                 55,500.00                   54,994.86
        500821869                           8/1/2021                        552.5                 68,000.00                   68,000.00
        500821870                           8/1/2021                       273.32                 27,600.00                   27,564.21
        500821872                           8/1/2021                     1,037.18                110,000.00                  109,836.58
        500821873                           8/1/2021                       752.43                 79,800.00                   79,681.44
        500821874                           8/1/2021                       566.67                 68,000.00                   67,971.67
        500822063                          10/1/2021                     1,767.26                173,431.00                  173,328.46
        500822081                           8/1/2036                        317.8                 35,100.00                   35,041.92
        500820769                           8/1/2036                       436.11                 42,398.00                   42,284.86
        500822252                           8/1/2026                       316.14                 27,400.00                   27,283.18
        500822323                           8/1/2021                       387.95                 36,350.00                   36,312.20
        500822077                           8/1/2036                       287.94                 35,000.00                   34,926.56
        500816116                           8/1/2021                       527.03                 65,500.00                   65,324.81
        500822367                           8/1/2021                       646.06                 85,000.00                   84,786.46
        500822377                           7/1/2021                       363.39                 36,000.00                   34,701.57
        500822386                           9/1/2021                       448.36                 44,000.00                   43,960.79
        500822468                           8/1/2021                       663.48                 66,998.00                   66,911.09
        500822513                           6/1/2036                       911.04                 93,800.00                   93,605.48
        500822517                           5/1/2021                       354.53                 37,600.00                   37,500.87
        500822567                           9/1/2021                       606.92                 50,798.00                   50,770.72
        500822687                           8/1/2021                       297.33                 27,118.00                   27,092.09
        500822697                           8/1/2021                       572.94                 62,000.00                   61,902.80
        500761875                           8/1/2021                       837.29                 88,800.00                   88,668.07
        500822729                           8/1/2021                     1,543.10                142,000.00                  141,860.40
        500822767                           9/1/2036                        98.69                 13,450.00                   13,368.89
        500822778                           8/1/2021                       507.19                 56,600.00                   56,503.86
        500822801                           9/1/2021                       127.72                 17,000.00                   16,967.25
        500822807                           8/1/2021                       388.77                 42,501.00                   42,432.57
        500823061                           9/1/2021                       272.54                 27,000.00                   24,974.25
        500823088                           9/1/2021                        229.4                 27,580.00                   27,537.88
        500823100                           8/1/2036                       711.63                 70,500.00                   70,413.46
        500822890                           9/1/2021                       706.64                 77,250.00                   77,157.09
        500823178                           8/1/2021                     1,063.55                 97,000.00                   96,906.95
        500823180                           8/1/2021                       638.91                 62,700.00                   62,359.46
        500823289                           9/1/2021                       233.75                 27,500.00                   27,259.80
        500823287                           9/1/2021                       526.46                 58,750.00                   58,675.45
        500823321                           8/1/2021                       243.17                 21,600.00                   21,581.01
        500823358                           9/1/2021                       302.82                 30,000.00                   29,972.52
        500777026                           5/1/2021                       312.37                 34,500.00                   33,251.16
        500823376                          7/23/2036                       716.88                 80,000.00                   79,864.09
        500823401                           8/1/2021                       863.19                 90,640.00                   90,508.92
        500823408                           8/1/2036                       171.13                 19,500.00                   19,465.05
        500823457                           9/1/2021                       324.35                 34,400.00                   33,578.26
        500823179                           8/1/2021                       299.95                 30,000.00                   29,962.15
        500823535                           8/1/2021                        351.4                 34,485.00                   34,443.83
        500823590                           9/1/2036                       737.85                 87,750.00                   87,619.49
        500823613                           9/1/2021                       232.42                 22,180.00                   22,161.82
        500823744                           8/1/2021                       696.14                 67,050.00                   66,974.24
        500823747                           8/1/2021                       178.26                 15,300.00                   15,287.99
        500823732                           8/1/2021                       784.48                 83,200.00                   83,076.39
        500823788                           8/1/2026                        658.6                 55,790.00                   55,593.21
        500823800                           8/1/2026                       503.01                 42,610.00                   42,459.70
        500823905                           9/1/2021                       359.03                 37,700.00                   37,659.29
        500824184                           8/1/2021                       645.18                 54,000.00                   53,961.09
        500824126                           9/1/2036                       495.34                 51,000.00                   50,947.87
        500824256                           8/1/2021                       541.63                 50,750.00                   50,697.25
        500824270                           8/1/2021                       697.45                 65,350.00                   65,282.07
        500823687                           6/1/2021                       475.66                 52,000.00                   51,873.30
        500824351                           8/1/2036                       330.85                 34,400.00                   34,351.59
        500816997                           9/1/2021                     1,216.82                110,000.00                  109,923.72
        500824433                           8/1/2021                       499.05                 49,440.00                   49,379.31
        500824438                           8/1/2021                       318.04                 26,400.00                   26,381.52
        500824474                           8/1/2021                          399                 48,500.00                   48,398.24
        500824497                           9/1/2021                       290.47                 35,700.00                   35,642.56
        500824542                          11/1/2020                       584.25                 73,800.00                   73,800.00
        500824548                           8/1/2021                       347.77                 40,050.00                   39,976.34
        500824617                           8/1/2021                       163.24                 19,000.00                   18,964.11
        500824614                           9/1/2036                       313.42                 26,900.00                   26,090.68
        500824775                           8/1/2026                       184.06                 18,750.00                   18,653.16
        500803952                           8/1/2021                       816.68                105,000.00                  104,748.37
        500775864                           8/1/2036                       649.46                 71,000.00                   70,885.66
        500824968                           9/1/2021                       840.47                 78,750.00                   78,688.89
        500824972                           8/1/2021                       946.07                 84,775.00                   84,698.38
        500825030                           9/1/2021                       544.73                 66,950.00                   66,842.30
        500825090                           8/1/2021                       512.25                 56,000.00                   55,909.83
        500825101                           8/1/2036                       478.78                 65,250.00                   65,073.12
        500825165                           9/1/2021                       237.04                 21,000.00                   20,838.36
        500825194                           8/1/2021                        360.4                 39,000.00                   38,938.84
        500825290                           9/1/2021                       276.29                 25,425.00                   25,406.36
        500825456                           7/1/2021                        432.3                 38,400.00                   38,347.15
        500825507                           9/1/2021                       234.58                 21,206.00                   21,191.30
        500825512                           9/1/2036                       135.35                 14,500.00                   14,483.49
        500825609                           9/1/2036                       477.39                 60,000.00                   59,898.33
        500825620                           9/1/2021                       592.47                 61,000.00                   60,937.64
        500816484                           8/1/2021                       441.69                 46,380.00                   46,312.93
        500825691                           8/1/2036                       458.55                 45,000.00                   44,946.26
        500825858                           9/1/2026                       143.02                 14,325.00                   14,271.50
        500794236                           8/1/2021                       110.06                 15,000.00                   14,959.36
        500814632                           8/1/2021                       605.67                 56,750.00                   56,690.69
        500825741                           8/1/2036                        212.5                 25,000.00                   24,951.50
        500825934                           5/1/2021                       394.61                 48,500.00                   48,315.18
        500825939                           8/1/2036                       435.42                 44,830.00                   44,768.59
        500825973                           9/1/2026                       646.13                 56,000.00                   55,779.32
        500825977                           9/1/2036                       491.84                 46,084.00                   46,048.23
        500826000                           8/1/2021                       330.09                 31,500.00                   31,465.37
        500826011                           8/1/2021                       359.97                 31,975.00                   31,946.89
        500826039                           4/1/2036                       269.49                 25,251.00                   25,067.51
        500826051                           4/1/2036                       413.83                 38,775.00                   38,293.16
        500826064                           8/1/2021                     1,288.20                138,000.00                  137,520.89
        500826097                           9/1/2021                       306.51                 29,250.00                   29,226.00
        500826057                           9/1/2021                       367.79                 37,500.00                   37,462.68
        500826172                           8/1/2021                       195.65                 18,500.00                   18,480.22
        500826222                           8/1/2021                       130.27                 10,500.00                   10,419.54
        500826249                           8/1/2021                       560.17                 65,200.00                   65,076.82
        500826266                           9/1/2021                       372.41                 34,580.00                   34,553.93
        500826270                           9/1/2021                       624.02                 59,550.00                   59,501.17
        500824643                           8/1/2021                       380.73                 41,200.00                   41,135.39
        500826424                           9/1/2021                        226.1                 18,768.00                   18,758.19
        500826482                           8/1/2026                     1,281.38                145,000.00                  144,093.79
        500826483                           9/1/2021                     1,380.87                145,000.00                  144,843.46
        500826484                           8/1/2021                       601.67                 72,200.00                   72,200.00
        500826485                           9/1/2021                       699.15                 90,700.00                   90,700.00
        500826486                           9/1/2021                       669.66                 81,400.00                   81,272.42
        500826489                           9/1/2021                       814.45                 99,000.00                   98,829.28
        500826491                           8/1/2021                        787.5                108,000.00                  108,000.00
        500826493                           9/1/2021                     2,379.98                223,000.00                  222,826.96
        500826496                           8/1/2021                       506.49                 62,250.00                   62,115.96
        500826498                           9/1/2021                       428.02                 59,550.00                   59,550.00
        500826531                           9/1/2021                       621.61                 64,000.00                   63,934.56
        500826532                           9/1/2036                        471.4                 49,500.00                   49,446.56
        500826551                           9/1/2021                        465.4                 57,200.00                   57,107.98
        500826560                           8/1/2036                       429.93                 47,000.00                   46,924.30
        500826609                           9/1/2021                       754.79                 88,800.00                   88,671.14
        500826613                           8/1/2021                       187.06                 20,450.00                   20,417.06
        500826614                           9/1/2021                       287.61                 26,000.00                   25,981.95
        500826618                           9/1/2021                       291.28                 25,000.00                   24,985.37
        500826616                           9/1/2021                       924.94                110,000.00                  109,836.32
        500826625                           9/1/2026                       267.34                 23,900.00                   23,829.20
        500797448                           8/1/2021                     1,235.88                136,500.00                  136,043.01
        500826753                           8/1/2021                       222.55                 19,264.00                   19,216.27
        500817360                           8/1/2021                       262.98                 31,275.00                   31,212.72
        500826791                           8/1/2036                        90.54                 10,000.00                    9,965.10
        500826799                           9/1/2021                        579.2                 66,000.00                   65,710.84
        500826829                           8/1/2036                     1,273.75                125,000.00                  124,850.73
        500826856                           8/1/2036                       451.95                 51,500.00                   51,407.73
        500826858                           9/1/2021                       467.21                 45,850.00                   45,597.25
        500826811                           9/1/2021                     1,826.56                191,800.00                  191,592.94
        500826894                           8/1/2021                     1,010.12                104,000.00                  103,857.53
        500826913                           8/1/2021                       786.72                 81,000.00                   80,889.07
        500826777                           9/1/2021                       119.47                 10,800.00                   10,791.97
        500819217                           8/1/2021                       653.16                 61,200.00                   61,136.38
        500827232                           9/1/2036                       346.73                 38,295.00                   38,247.68
        500827212                           9/1/2021                       291.61                 26,835.00                   26,815.32
        500827273                           8/1/2021                     1,491.91                147,800.00                  147,618.55
        500774322                           7/1/2021                       607.32                 48,000.00                   47,553.83
        500802249                           7/1/2021                        176.1                 24,000.00                   23,566.21
        500797359                           7/1/2021                        138.1                 14,235.00                   13,968.72
        500794074                           7/1/2021                        651.8                 59,980.00                   59,905.27
        500827318                           9/1/2021                       140.88                 13,200.00                   13,189.51
        500827137                           9/1/2021                       672.08                 75,000.00                   74,848.76
        500791970                           7/1/2021                        182.5                 17,100.00                   17,056.19
        500824664                           8/1/2036                       267.34                 33,600.00                   33,412.99
        500827507                           9/1/2021                       261.88                 27,499.00                   27,469.30
        500827510                           8/1/2021                       644.47                 81,000.00                   80,816.35
        500827059                           8/1/2021                       402.08                 46,800.00                   46,711.59
        500827840                           8/1/2021                     1,635.24                144,000.00                  143,877.00
        500827886                           9/1/2021                       471.45                 50,000.00                   49,940.92
        500827897                           8/1/2021                       301.81                 29,900.00                   29,863.30
        500827906                           9/1/2036                       316.89                 35,000.00                   34,956.77
        500827931                           9/1/2021                        896.1                100,000.00                   99,869.23
        500827953                           9/1/2036                       319.12                 36,750.00                   36,699.49
        500827961                           9/1/2021                       658.61                 72,000.00                   71,788.16
        500827985                           9/1/2021                       158.06                 14,400.00                   14,298.45
        500828091                           9/1/2036                       601.77                 54,400.00                   54,362.28
        500828116                           8/1/2026                       512.84                 57,000.00                   56,654.79
        500828092                           9/1/2021                       321.91                 26,943.00                   26,928.53
        500828150                           9/1/2021                       508.25                 55,000.00                   54,935.62
        500827167                           9/1/2021                       398.48                 37,000.00                   36,972.08
        500828334                           9/1/2021                        320.3                 34,661.00                   34,620.43
        500828472                           9/1/2021                       186.11                 15,449.00                   15,440.95
        500828475                           9/1/2036                        424.3                 45,000.00                   44,950.08
        500828478                           9/1/2021                       176.17                 14,624.00                   14,616.38
        500828524                           9/1/2021                        639.9                 64,000.00                   63,939.72
        500828926                           8/1/2021                       326.94                 31,200.00                   31,165.72
        500819717                           9/1/2021                       963.87                111,000.00                  110,847.45
        500828943                           9/1/2021                       549.26                 51,000.00                   50,961.50
        500828964                           2/1/2021                       426.59                 43,000.00                   41,334.23
        500829132                           9/1/2036                       464.26                 48,750.00                   48,697.37
        500829210                           8/1/2021                        385.2                 39,660.00                   39,213.24
        500829255                           9/1/2036                       220.06                 21,000.00                   20,982.77
        500829301                           9/1/2036                        346.6                 35,000.00                   34,966.13
        500829336                           9/1/2036                       275.37                 29,205.00                   29,172.61
        500829338                           9/1/2021                        815.2                 80,000.00                   79,928.70
        500829354                           9/1/2021                       209.32                 22,200.00                   22,175.37
        500829420                           9/1/2021                       781.75                 76,000.00                   75,934.09
        500829472                           9/1/2021                     1,639.87                183,000.00                  182,767.80
        500793380                           6/1/2021                       574.32                 55,000.00                   54,019.34
        500829564                           9/1/2021                        99.94                 10,290.00                   10,279.49
        500829622                           9/1/2021                       434.09                 42,600.00                   42,562.04
        500829643                           9/1/2021                       360.89                 47,481.00                   47,391.84
        500829650                           9/1/2026                       194.04                 19,600.00                   19,525.62
        500829660                           8/1/2021                       596.73                 75,000.00                   74,829.96
        500829676                           9/1/2036                        93.12                 10,500.00                   10,465.49
        500829674                           9/1/2036                        896.1                100,000.00                   99,872.32
        500829678                           9/1/2036                       298.95                 38,000.00                   37,779.65
        500829713                           9/1/2021                     1,523.72                160,000.00                  159,817.27
        500829719                           9/1/2021                       664.21                 59,000.00                   58,961.33
        500829720                           9/1/2021                       344.59                 33,500.00                   33,470.94
        500829721                           9/1/2021                       721.34                 75,000.00                   74,921.19
        500829733                           9/1/2021                       370.59                 39,700.00                   39,654.77
        500829795                           9/1/2021                       625.09                 72,300.00                   72,300.00
        500829796                           9/1/2021                     1,128.94                133,800.00                  133,800.00
        500829801                           9/1/2021                       584.54                 59,600.00                   59,540.70
        500829802                           9/1/2021                       595.14                 74,800.00                   74,673.28
        500830070                           9/1/2036                       650.64                 69,700.00                   69,620.56
        500830085                           9/1/2036                       369.68                 50,985.00                   50,476.74
        500830233                           9/1/2021                       420.87                 50,600.00                   50,522.72
        500830296                           9/1/2021                       891.16                103,725.00                  102,680.11
        500830308                           9/1/2021                       465.44                 47,000.00                   46,954.50
        500830325                           9/1/2021                     1,174.98                100,000.00                   99,943.15
        500830330                           8/1/2021                       575.51                 55,950.00                   55,884.99
        500830547                           9/1/2036                       580.32                 76,350.00                   76,206.62
        500830575                           9/1/2021                       272.21                 34,213.00                   34,141.33
        500830613                           8/1/2021                       224.88                 23,850.00                   23,793.81
        500830616                           9/1/2036                       504.02                 49,000.00                   48,957.52
        500830648                           9/1/2036                       293.84                 25,875.00                   25,858.50
        500830904                           9/1/2021                       334.19                 35,800.00                   35,456.50
        500830898                           8/1/2036                     1,178.88                112,500.00                  112,376.36
        500830948                           9/1/2021                     1,127.36                109,600.00                  109,390.56
        500830951                           9/1/2021                       530.94                 59,250.00                   59,174.82
        500831043                           8/1/2021                       725.63                 91,200.00                   90,993.20
        500805710                           9/1/2036                       756.34                 69,600.00                   69,548.94
        500831115                           9/1/2021                       259.14                 31,500.00                   31,450.64
        500831120                           9/1/2021                     1,452.78                132,500.00                  132,403.23
        500831257                           9/1/2036                       947.67                 93,000.00                   92,917.11
        500831298                           8/1/2021                     1,340.22                142,140.00                  141,864.31
        500831381                           9/1/2021                       317.73                 38,200.00                   38,058.11
        500831410                           8/1/2021                     1,326.91                129,000.00                  128,760.58
        500831433                           9/1/2021                       921.92                 94,000.00                   93,906.40
        500792851                           9/1/2021                       414.42                 34,998.00                   34,780.70
        500831486                           9/1/2021                       483.84                 45,750.00                   45,713.50
        500811315                           9/1/2021                       297.41                 34,250.00                   34,202.93
        500826002                           9/1/2021                       543.99                 64,000.00                   63,904.23
        500831665                           9/1/2036                       839.17                 89,000.00                   88,901.29
        500831699                           9/1/2021                       478.12                 48,281.00                   48,234.28
        500831726                           9/1/2021                       441.03                 44,535.00                   44,491.88
        500803625                           8/1/2021                       597.27                 53,993.00                   53,942.81
        500831851                           9/1/2036                       601.29                 78,200.00                   78,056.87
        500831865                           8/1/2036                       551.64                 67,800.00                   67,654.03
        500831870                           9/1/2021                       448.64                 47,110.00                   47,059.14
        500831894                           9/1/2021                       434.62                 52,830.00                   52,747.20
        500831902                           9/1/2021                     1,222.86                131,000.00                  130,850.71
        500831907                           9/1/2021                     1,347.29                136,050.00                  135,918.32
        500831908                           9/1/2021                       570.81                 58,200.00                   58,142.09
        500831909                           9/1/2021                       467.02                 55,350.00                   55,350.00
        500831946                           9/1/2021                       908.12                108,000.00                  107,839.38
        500832076                           9/1/2021                        148.9                 12,360.00                   12,353.55
        500832226                           9/1/2036                       858.94                 93,900.00                   93,787.08
        500832227                           9/1/2036                       332.68                 36,000.00                   35,957.84
        500832244                           9/1/2021                       666.27                 63,000.00                   62,949.74
        500832446                           9/1/2021                       761.18                 74,000.00                   73,935.82
        500832644                           9/1/2036                       382.07                 44,000.00                   43,939.54
        500832661                           9/1/2021                        300.5                 26,235.00                   26,218.74
        500832672                           9/1/2036                       517.77                 59,000.00                   58,886.02
        500832696                           9/1/2036                       493.39                 51,300.00                   51,246.11
        500832733                           9/1/2036                       477.49                 56,786.00                   56,678.67
        500832760                           9/1/2036                       886.82                100,000.00                   98,975.40
        500826047                           9/1/2021                       169.16                 22,000.00                   21,959.73
        500832822                           9/1/2021                        302.6                 35,600.00                   35,548.41
        500832825                           9/1/2021                       374.65                 38,200.00                   38,162.01
        500826003                           9/1/2021                       782.42                 72,000.00                   71,947.18
        500816387                           8/1/2021                       823.42                 75,100.00                   75,028.22
        500833111                           9/1/2021                       475.43                 48,950.00                   48,899.97
        500797406                           9/1/2021                        686.1                 59,900.00                   59,862.92
        500833140                           9/1/2021                       191.38                 17,000.00                   16,988.87
        500833175                           9/1/2021                       306.99                 31,000.00                   30,969.99
        500833199                           9/1/2021                       206.94                 21,100.00                   21,079.01
        500833254                          10/1/2021                       549.61                 55,500.00                   55,464.35
        500822118                           9/1/2021                     2,349.62                235,000.00                  234,374.82
        500833386                           9/1/2021                     1,172.62                114,000.00                  113,901.15
        500833404                           9/1/2021                       866.96                115,400.00                  115,174.63
        500833415                           9/1/2021                     1,285.40                129,800.00                  129,674.36
        500833374                          10/1/2021                       146.36                 16,000.00                   15,987.22
        500831467                           9/1/2021                     1,416.05                129,150.00                  129,057.89
        500833043                           9/1/2036                       768.92                 78,400.00                   78,220.10
        500833463                           9/1/2021                       177.62                 16,950.00                   16,936.09
        500833479                           9/1/2036                       325.65                 35,600.00                   35,557.18
        500833618                           9/1/2021                       218.47                 19,750.00                   19,736.32
        500833623                           9/1/2021                       250.54                 25,300.00                   25,275.50
        500833730                          10/1/2021                       193.95                 16,100.00                   16,082.27
        500833791                           9/1/2021                       956.97                 90,488.00                   90,415.82
        500833820                           9/1/2036                       420.07                 45,000.00                   44,948.70
        500833863                           9/1/2021                       595.91                 66,500.00                   66,415.61
        500833861                           9/1/2021                       438.17                 51,000.00                   50,928.04
        500833865                           9/1/2021                       524.46                 63,750.00                   63,650.07
        500833918                           9/1/2021                       347.81                 38,415.00                   38,366.97
        500833922                           9/1/2021                       763.74                 65,000.00                   64,963.04
        500834083                           9/1/2021                       865.69                 84,160.00                   83,998.05
        500834168                           6/1/2021                          210                 27,000.00                   26,689.33
        500834171                           9/1/2021                       492.88                 52,800.00                   52,718.27
        500806344                           4/1/2021                       253.59                 24,200.00                   24,145.70
        500833902                           9/1/2021                       244.59                 34,980.00                   34,901.62
        500834278                           9/1/2036                       146.75                 20,000.00                   19,959.47
        500834271                           9/1/2021                       381.91                 48,000.00                   47,918.67
        500834310                           9/1/2036                       892.59                 91,900.00                   91,805.28
        500834329                           9/1/2021                       777.25                 77,000.00                   76,929.44
        500834454                           9/1/2021                        668.7                 85,000.00                   84,852.21
        500834459                           9/1/2021                       838.82                 83,100.00                   83,023.86
        500834637                           9/1/2021                       364.74                 38,300.00                   38,258.65
        500834522                           9/1/2021                       475.85                 39,500.00                   39,479.39
        500834674                           9/1/2021                     1,173.28                120,800.00                  120,676.51
        500834864                           9/1/2021                       347.83                 32,008.00                   31,984.52
        500834898                           9/1/2021                       179.22                 20,000.00                   19,974.61
        500834900                           9/1/2021                     1,166.85                125,000.00                  124,857.54
        500834919                           9/1/2021                       802.32                 78,000.00                   77,932.37
        500835105                           9/1/2021                     1,158.93                 97,000.00                   96,947.91
        500801997                           7/1/2021                       518.81                 61,700.00                   61,545.44
        500835164                           9/1/2021                          153                 15,600.00                   15,580.47
        500835198                           9/1/2021                       658.61                 72,000.00                   71,913.42
        500835203                           9/1/2021                       328.93                 30,000.00                   29,978.61
        500835276                           9/1/2021                       295.21                 28,700.00                   28,675.13
        500835316                           9/1/2021                       179.22                 20,000.00                   19,974.62
        500784487                           7/1/2036                       365.37                 41,200.00                   41,109.75
        500835482                           9/1/2021                          457                 38,250.00                   38,229.45
        500835516                           9/1/2021                       631.74                 67,000.00                   66,877.56
        500835542                           9/1/2021                       220.78                 20,500.00                   20,484.53
        500835598                           9/1/2021                       517.54                 47,625.00                   47,563.64
        500835601                           9/1/2036                       252.26                 30,000.00                   29,955.37
        500835609                           9/1/2036                       471.45                 50,000.00                   49,944.53
        500835635                           9/1/2021                       908.03                 76,000.00                   75,959.17
        500835681                           9/1/2021                       363.93                 36,750.00                   36,390.63
        500835701                           9/1/2021                       851.36                 82,000.00                   81,930.85
        500835559                           9/1/2036                       162.01                 15,750.00                   15,736.33
        500835642                           9/1/2021                       446.49                 38,000.00                   37,978.41
        500835787                           9/1/2021                       462.05                 50,000.00                   49,936.42
        500835860                           9/1/2021                     1,056.04                112,000.00                  111,875.76
        500835901                          10/1/2021                       912.11                 93,000.00                   92,938.61
        500834547                           9/1/2021                       235.59                 26,291.00                   26,257.65
        500836069                           9/1/2036                        668.6                 65,000.00                   64,943.64
        500836099                          10/1/2036                       570.44                 67,840.00                   67,772.99
        500836197                           9/1/2021                       586.29                 53,000.00                   52,861.60
        500836227                           9/1/2021                       963.75                 80,000.00                   79,958.26
        500799257                           8/1/2021                       840.85                100,000.00                   99,057.17
        500836307                          10/1/2021                       542.74                 49,500.00                   49,476.58
        500836332                           9/1/2021                       571.39                 60,000.00                   59,935.24
        500836537                           9/1/2021                       224.28                 19,250.00                   19,238.74
        500836543                           9/1/2021                       417.64                 43,000.00                   42,956.04
        500836631                           9/1/2036                       165.49                 20,800.00                   20,764.77
        500825132                           9/1/2036                       487.82                 58,650.00                   58,560.27
        500836846                           9/1/2021                       989.84                 99,000.00                   98,906.76
        500836969                          10/1/2021                       363.21                 30,150.00                   30,139.58
        500836999                           7/1/2021                       384.46                 50,000.00                   49,846.38
        500837022                           9/1/2021                       676.15                 71,000.00                   69,581.09
        500834730                           9/1/2021                       495.32                 53,600.00                   53,537.23
        500837056                           9/1/2021                       943.11                 90,000.00                   89,926.17
        500837080                           9/1/2021                       600.66                 65,000.00                   64,923.91
        500837099                           9/1/2021                       218.62                 26,000.00                   25,958.56
        500837152                           8/8/2026                       487.21                 43,900.00                   43,767.76
        500837180                           9/1/2021                     1,120.90                110,000.00                  109,901.96
        500837193                          7/23/2036                       389.94                 39,000.00                   38,950.78
        500837199                           9/1/2021                       582.76                 60,000.00                   59,938.65
        500837217                          7/30/2036                       868.46                 82,119.00                   82,024.96
        500837282                           9/1/2021                       403.22                 39,200.00                   38,762.78
        500837334                           9/1/2021                       205.37                 22,000.00                   21,974.91
        500837341                           9/1/2021                       960.48                105,000.00                  104,873.71
        500836565                           9/1/2021                       208.16                 21,858.00                   11,232.67
        500837351                           9/1/2021                       312.47                 28,000.00                   27,981.13
        500837358                           9/1/2036                        260.5                 30,000.00                   29,958.79
        500836718                           9/1/2021                       443.96                 43,568.00                   43,529.16
        500837344                           9/1/2021                        400.3                 38,200.00                   38,168.66
        500837335                           9/1/2021                       693.24                 59,000.00                   57,702.01
        500836210                           9/1/2021                       344.05                 38,000.00                   37,953.07
        500837436                           9/1/2036                       918.55                 89,300.00                   89,222.58
        500837533                           9/1/2021                       911.67                 87,000.00                   86,928.63
        500837535                           9/1/2036                       959.75                 86,000.00                   85,942.00
        500837536                           9/1/2021                       286.57                 31,980.00                   31,939.43
        500837585                           9/1/2021                       126.79                 12,500.00                   12,400.13
        500837598                           7/1/2036                       416.23                 39,000.00                   38,949.05
        500837614                           9/1/2021                     1,918.77                175,000.00                  174,793.94
        500780444                           9/1/2021                       193.74                 22,550.00                   22,518.18
        500837656                          10/1/2036                       124.07                 11,950.00                   11,943.31
        500835555                           9/1/2021                       772.64                 79,550.00                   79,468.67
        500837696                           9/1/2021                       498.09                 53,900.00                   53,836.89
        500837881                           9/1/2021                       568.98                 50,985.00                   50,950.63
        500729341                           6/1/2036                        367.4                 41,000.00                   40,894.29
        500837956                           9/1/2021                       440.38                 37,480.00                   37,458.08
        500838076                           9/1/2021                       869.18                 84,500.00                   84,426.73
        500838132                           9/1/2036                       217.34                 20,000.00                   19,949.28
        500838155                           9/1/2036                       964.87                 88,000.00                   87,937.22
        500838195                           9/1/2036                       397.06                 32,960.00                   32,942.81
        500838223                           9/1/2021                       480.35                 51,980.00                   51,919.13
        500838244                           9/1/2021                       541.18                 50,250.00                   50,212.00
        500838250                           9/1/2021                       365.98                 35,250.00                   34,495.63
        500838368                           9/1/2021                       109.11                 12,700.00                   12,580.46
        500838370                           9/1/2036                     1,144.33                111,250.00                  111,153.55
        500838473                           9/1/2021                       274.24                 29,378.00                   29,344.52
        500838486                           9/1/2021                       455.17                 39,400.00                   39,376.29
        500838498                           9/1/2036                       559.05                 69,700.00                   69,697.14
        500838554                           9/1/2036                       721.88                 90,000.00                   90,000.00
        500838594                           9/1/2021                       459.85                 52,400.00                   52,329.87
        500838416                           9/1/2021                       657.86                 60,000.00                   59,957.22
        500838826                           9/1/2036                       156.46                 15,500.00                   15,485.79
        500838858                           9/1/2021                     1,016.78                 98,850.00                   98,764.31
        500838917                           9/1/2021                       429.71                 46,500.00                   46,445.55
        500838922                           9/1/2021                       905.17                 96,000.00                   95,893.53
        500838969                           9/1/2021                       681.44                 73,000.00                   72,916.81
        500838994                           9/1/2036                        579.1                 52,350.00                   52,313.68
        500833561                           9/1/2036                       263.81                 23,848.00                   23,831.44
        500838660                           9/1/2021                       433.69                 36,000.00                   35,981.21
        500839883                           7/1/2036                       777.25                 77,000.00                   76,881.24
        500807086                           8/1/2021                       839.72                 83,985.00                   83,879.01
        500812080                           8/1/2021                       536.32                 69,750.00                   69,579.16
        500839929                           9/1/2021                     1,228.98                113,094.00                  113,011.05
        500776059                           7/1/2036                       168.35                 17,000.00                   16,971.54
        500841687                           9/1/2021                       524.48                 54,000.00                   53,944.80
        500842800                           9/1/2021                       632.46                 52,500.00                   52,472.61
        500843206                           9/1/2021                       349.37                 41,550.00                   41,488.20
        500843208                          10/1/2021                         98.8                 11,500.00                   11,489.22
        500843263                           9/1/2021                        346.6                 35,000.00                   34,966.12
        500843321                           9/1/2021                       488.76                 41,950.00                   41,925.47
        500843644                           7/1/2021                       667.06                 64,850.00                   64,755.33
        500844002                           9/1/2026                       180.71                 17,800.00                   17,716.56
        500844335                           9/1/2021                       658.14                 71,220.00                   71,136.62
        500844599                           1/1/2016                       138.73                 19,600.00                   19,438.87
        500844609                           4/1/2021                          366                 46,000.00                   45,788.25
        500839911                           9/1/2021                       191.32                 18,600.00                   18,583.88
        500844550                           9/1/2021                       686.67                 57,000.00                   56,970.27
        500844771                           9/1/2021                       462.05                 50,000.00                   49,941.46
        500844844                           9/1/2021                       355.46                 30,000.00                   29,983.41
        500844998                           9/1/2021                       716.45                 73,050.00                   72,977.33
        500845002                           9/1/2021                       960.53                 90,000.00                   89,930.19
        500845123                           9/1/2021                       261.37                 21,696.00                   21,684.68
        500845119                           9/1/2021                        203.6                 19,980.00                   19,962.18
        500845326                           9/1/2036                     1,023.20                 96,750.00                   96,672.81
        500845595                           9/1/2021                       693.31                 63,800.00                   63,753.21
        500838753                           9/1/2021                       838.88                 72,000.00                   71,957.88
        500845641                           9/1/2036                     2,091.83                196,000.00                  195,847.94
        500845593                           9/1/2021                       550.26                 54,000.00                   53,951.87
        500845721                           9/1/2021                       304.33                 38,250.00                   38,185.20
        500845746                           9/1/2021                       376.66                 34,661.00                   34,635.56
        500845758                           9/1/2021                       301.95                 30,200.00                   30,171.56
        500839917                           9/1/2021                       571.29                 61,200.00                   61,130.26
        500845810                           9/1/2021                       620.17                 67,798.00                   67,716.48
        500845815                           9/1/2021                       648.66                 75,500.00                   75,139.56
        500845822                           9/1/2021                       575.22                 52,000.00                   51,914.12
        500845853                           8/1/2021                       471.45                 50,000.00                   49,925.69
        500835751                           9/1/2021                       314.27                 28,920.00                   28,898.80
        500846256                           9/1/2021                       679.06                 75,000.00                   74,907.34
        500847505                          10/1/2036                       146.42                 13,596.00                   13,589.21
        500847437                           9/1/2021                     1,019.82                105,000.00                  104,892.67
        500847513                           9/1/2036                       392.36                 41,200.00                   41,155.52
        500818840                           9/1/2021                       177.62                 15,000.00                   14,884.48
        500847614                           9/1/2021                          945                108,000.00                  108,000.00
        500847660                           9/1/2021                     1,388.63                135,000.00                  134,882.94
        500847667                           9/1/2021                     1,011.94                 84,000.00                   83,956.17
        500847733                           9/1/2021                       930.84                101,760.00                  101,637.62
        500847744                           9/1/2026                       426.91                 37,000.00                   36,897.57
        500847758                           9/1/2026                       262.17                 24,000.00                   23,925.26
        500847763                           9/1/2021                       469.92                 47,000.00                   46,955.73
        500847827                           9/1/2021                       320.65                 34,350.00                   34,310.86
        500847845                           9/1/2036                        689.6                 71,000.00                   70,927.40
        500847855                           9/1/2021                       334.92                 33,180.00                   33,149.61
        500847938                           9/1/2021                       512.28                 48,000.00                   47,962.77
        500847978                          10/1/2021                       555.36                 54,500.00                   54,467.76
        500848053                           9/1/2021                     1,138.11                112,750.00                  112,646.70
        500848253                           9/1/2021                       238.16                 20,100.00                   20,088.89
        500848264                           9/1/2026                       307.83                 28,180.00                   28,092.24
        500848289                           9/1/2036                       320.85                 28,500.00                   28,481.31
        500811111                           8/1/2021                       480.19                 57,700.00                   57,596.61
        500848302                           9/1/2021                     1,851.50                180,000.00                  179,843.95
        500848317                           9/1/2021                       658.31                 64,000.00                   63,944.52
        500848379                           9/1/2021                       839.52                 76,000.00                   75,947.08
        500848404                           9/1/2036                     1,073.94                125,000.00                  124,823.63
        500848450                          10/1/2021                       331.56                 28,000.00                   27,884.65
        500848456                          10/1/2036                       599.13                 60,500.00                   60,461.14
        500848406                           9/1/2021                       440.75                 49,700.00                   49,635.23
        500848480                           9/1/2021                       741.02                 86,250.00                   86,128.29
        500848713                           9/1/2036                       545.22                 59,000.00                   58,930.92
        500848700                           9/1/2036                       487.28                 52,200.00                   52,140.50
        500838239                           9/1/2021                        924.1                100,000.00                   99,882.92
        500848853                           9/1/2021                       424.65                 35,250.00                   35,231.61
        500848871                           8/1/2021                       726.95                 67,500.00                   67,431.76
        500848883                           9/1/2021                       351.83                 42,300.00                   42,235.41
        500848900                           9/1/2021                       721.69                 84,000.00                   83,881.47
        500848927                           9/1/2021                       417.64                 43,000.00                   42,951.29
        500849015                          10/1/2021                       685.84                 62,000.00                   61,971.34
        500845943                           9/1/2021                       232.66                 21,800.00                   21,783.10
        500849083                          10/1/2036                       168.77                 18,450.00                   18,372.54
        500849114                           9/1/2021                       433.99                 44,250.00                   44,205.97
        500849108                           9/1/2021                       329.31                 36,000.00                   35,956.69
        500847433                           9/1/2021                       734.02                 63,000.00                   62,963.15
        500849161                           9/1/2021                     1,001.35                 97,350.00                   97,265.61
        500849182                           9/1/2036                       138.63                 11,700.00                   11,693.54
        500849233                          10/1/2021                     1,739.63                163,000.00                  162,916.14
        500849255                           9/1/2021                       431.17                 40,400.00                   40,368.67
        500807263                           8/1/2021                       236.94                 27,000.00                   26,817.74
        500742299                           6/1/2021                       230.35                 28,000.00                   24,875.02
        500849293                          10/1/2021                       862.84                 82,340.00                   82,295.20
        500849367                           9/1/2021                       421.86                 42,600.00                   42,558.78
        500821813                           9/1/2021                     1,211.23                142,500.00                  142,293.57
        500805611                           8/1/2021                        95.02                 11,300.00                   11,262.13
        500834996                          10/1/2021                       514.54                 56,250.00                   56,205.10
        500849663                           9/1/2021                       363.81                 30,450.00                   30,433.64
        500849672                           9/1/2021                        713.3                 70,000.00                   69,937.61
        500849678                           9/1/2021                       452.04                 47,000.00                   46,882.21
        500849683                           9/1/2021                       742.82                 78,000.00                   77,915.78
        500849708                           9/1/2021                       465.96                 39,000.00                   38,979.06
        500849802                           9/1/2021                     1,015.30                 92,600.00                   92,533.96
        500849806                           9/1/2036                       453.71                 49,600.00                   49,540.35
        500849859                           9/1/2021                       695.48                 64,000.00                   63,943.36
        500849774                          10/1/2021                       565.74                 55,000.00                   54,967.84
        500849876                          10/1/2036                       707.17                 75,000.00                   74,944.79
        500849921                           9/1/2021                        272.2                 35,400.00                   35,335.20
        500850055                           9/1/2036                       280.62                 27,800.00                   27,774.13
        500850065                           9/1/2021                       601.77                 57,960.00                   57,911.11
        500850080                          10/1/2021                       802.32                 78,000.00                   77,955.14
        500828557                           9/1/2036                       512.33                 59,000.00                   58,715.77
        500850122                           9/1/2021                       244.28                 24,200.00                   24,177.82
        500818202                          10/1/2036                       326.08                 32,000.00                   30,791.91
        500850121                           9/1/2021                       918.56                 91,000.00                   90,916.63
        500813861                           9/1/2021                       370.15                 35,000.00                   34,972.08
        500850176                           9/1/2021                        318.7                 33,800.00                   33,762.50
        500850198                           9/1/2021                       392.66                 48,800.00                   48,719.42
        500850253                           9/1/2021                       105.76                 10,000.00                    9,992.02
        500850281                           9/1/2026                       285.91                 24,780.00                   24,711.41
        500850416                           9/1/2036                     1,203.89                109,800.00                  109,721.69
        500850468                           8/1/2021                       281.72                 37,500.00                   37,403.35
        500850478                           9/1/2021                       190.02                 25,000.00                   24,922.90
        500850526                           9/1/2021                       772.02                 73,000.00                   72,941.77
        500850537                           7/1/2036                       632.73                 72,100.00                   71,920.42
        500850574                           9/1/2021                     1,386.41                140,000.00                  139,864.48
        500850603                          10/1/2021                       362.07                 35,200.00                   35,179.76
        500850554                           9/1/2021                       879.42                 73,000.00                   72,961.93
        500796864                           7/1/2021                       791.13                 84,750.00                   84,587.55
        500850736                           9/1/2036                       357.15                 42,940.00                   42,729.77
        500850777                           9/1/2021                       290.56                 28,785.00                   28,758.62
        500850781                           9/1/2021                       932.93                 87,414.00                   87,299.55
        500850790                           9/1/2021                       332.98                 31,200.00                   31,175.81
        500850817                           9/1/2021                       311.37                 26,500.00                   26,484.94
        500850841                           9/1/2021                       460.22                 44,000.00                   43,963.72
        500850861                           9/1/2021                       537.25                 49,000.00                   48,965.07
        500850901                           9/1/2021                       572.82                 60,150.00                   60,085.08
        500850134                           6/1/2036                       419.44                 36,000.00                   35,957.15
        500851007                           9/1/2021                     1,645.78                160,000.00                  159,861.28
        500851016                           9/1/2036                       665.96                 79,200.00                   79,082.19
        500851017                           9/1/2021                       289.73                 32,000.00                   31,960.47
        500851108                           9/1/2021                     1,227.63                102,750.00                  102,694.82
        500851142                           9/1/2021                       211.24                 26,550.00                   26,504.99
        500851145                           9/1/2036                     1,684.37                155,000.00                  154,886.32
        500851193                           9/1/2036                       843.29                 70,000.00                   69,963.45
        500820768                           8/1/2021                       259.45                 26,199.00                   26,165.00
        500837095                           9/1/2021                     1,621.77                172,000.00                  171,780.52
        500851302                           9/1/2021                       817.68                 78,756.00                   78,689.58
        500802253                           9/1/2021                        359.4                 32,490.00                   32,467.46
        500851318                           9/1/2021                       465.11                 53,000.00                   52,929.08
        500851458                          10/1/2021                     1,438.41                142,500.00                  142,413.38
        500851508                           9/1/2021                       411.96                 45,500.00                   45,443.75
        500851526                           9/1/2036                       755.46                 87,000.00                   86,880.45
        500851563                           9/1/2021                        434.6                 48,000.00                   47,940.69
        500851541                           9/1/2021                       134.51                 13,200.00                   13,188.23
        500851300                           9/1/2036                       580.25                 61,540.00                   61,432.08
        500851611                           9/1/2021                          515                 42,750.00                   42,727.71
        500851641                           9/1/2021                       108.67                 10,000.00                    9,992.66
        500851663                           9/1/2021                       108.67                 10,000.00                    9,992.66
        500851717                           9/1/2021                     1,141.97                107,000.00                  106,916.92
        500851722                           9/1/2021                       524.85                 53,000.00                   52,948.71
        500851731                           9/1/2021                       735.07                 69,000.00                   68,946.17
        500851740                          10/1/2021                       760.69                 79,092.00                   78,877.88
        500851753                           9/1/2021                        296.4                 35,250.00                   35,126.33
        500851899                           8/1/2021                       517.49                 56,000.00                   55,912.21
        500851918                           9/1/2021                       585.21                 65,990.00                   65,904.01
        500837347                           9/1/2021                       264.13                 28,875.00                   28,837.65
        500814045                           6/1/2021                     1,160.43                108,730.00                  108,558.63
        500851964                           9/1/2036                        536.4                 71,400.00                   71,262.49
        500852006                           9/1/2026                       339.22                 29,400.00                   29,218.61
        500852002                           9/1/2021                       133.74                 17,000.00                   16,953.98
        500852034                           9/1/2021                       493.96                 54,000.00                   53,935.05
        500852047                           9/1/2021                       517.92                 52,300.00                   52,249.39
        500852058                           9/1/2021                       304.28                 25,017.00                   24,717.26
        500852108                           9/1/2021                       438.48                 40,350.00                   40,320.41
        500852114                           9/1/2021                       655.93                 68,200.00                   68,128.36
        500852118                           9/1/2021                       957.03                101,500.00                  101,387.43
        500852121                           9/1/2021                       685.24                 66,000.00                   65,944.35
        500852206                           9/1/2036                       614.25                 64,500.00                   64,430.37
        500852217                           9/1/2021                       999.76                 92,000.00                   91,931.78
        500852249                           9/1/2021                       748.95                 86,250.00                   86,131.48
        500852273                           9/1/2021                        828.9                 92,500.00                   92,382.61
        500852286                          8/10/2021                     1,039.81                105,000.00                  104,898.35
        500852448                           9/1/2021                       573.28                 60,800.00                   60,731.09
        500852470                           9/1/2021                       399.45                 39,200.00                   39,165.06
        500852261                           9/1/2036                       378.23                 36,771.00                   36,739.12
        500852500                           9/1/2021                       916.15                 91,630.00                   91,532.72
        500850527                          10/1/2021                       339.05                 31,200.00                   31,184.82
        500852742                           9/1/2021                       495.15                 50,000.00                   49,951.59
        500852790                           9/1/2026                       239.25                 20,736.00                   20,678.61
        500852826                           9/1/2021                       738.09                 78,280.00                   78,193.18
        500837455                           9/1/2021                       175.04                 22,000.00                   21,962.74
        500852838                           9/1/2026                       149.51                 11,850.00                   11,359.57
        500852859                           9/1/2026                       199.36                 19,000.00                   18,933.76
        500852862                           9/1/2036                        882.8                 92,700.00                   92,599.94
        500852900                           9/1/2021                       257.26                 20,600.00                   20,468.27
        500852922                           9/1/2026                        294.6                 24,400.00                   24,339.02
        500822756                           8/1/2021                       269.85                 30,750.00                   30,694.90
        500809235                           9/1/2021                       118.09                 12,400.00                   12,386.62
        500853050                           9/1/2036                     1,204.75                100,005.00                   99,891.87
        500853011                           9/1/2036                       473.83                 51,800.00                   51,259.74
        500849848                          10/1/2021                       765.63                 71,091.00                   71,055.43
        500853102                           9/1/2036                       546.15                 55,150.00                   55,096.60
        500849241                           9/1/2021                       692.02                 71,250.00                   70,874.35
        500852496                           9/1/2036                     1,172.57                106,000.00                  105,926.06
        500850722                          10/1/2021                       404.47                 39,300.00                   39,096.15
        500853173                           9/1/2021                       363.39                 35,000.00                   34,970.48
        500853179                           9/1/2036                       343.62                 29,000.00                   28,971.19
        500853215                          10/1/2021                       225.13                 19,998.00                   19,989.31
        500853241                           9/1/2036                     1,204.75                100,005.00                   99,891.87
        500853265                          10/1/2021                       314.95                 31,500.00                   31,480.32
        500851984                           9/1/2021                       335.33                 32,000.00                   31,973.75
        500853385                           9/1/2021                       480.87                 51,000.00                   50,943.45
        500853466                           9/1/2021                       376.36                 42,000.00                   41,919.31
        500853495                           9/1/2021                       309.41                 37,200.00                   37,143.21
        500853524                           9/1/2036                       285.59                 35,100.00                   35,028.52
        500853645                           9/1/2021                       307.59                 26,400.00                   26,384.55
        500848559                           9/1/2021                       568.67                 57,425.00                   57,369.43
        500853656                           9/1/2021                       169.11                 18,300.00                   18,107.97
        500848195                           9/1/2021                        385.5                 32,000.00                   31,983.30
        500853679                           9/1/2021                       334.11                 29,600.00                   29,400.62
        500852546                           9/1/2021                       662.58                 55,000.00                   54,971.30
        500851269                           9/1/2036                       454.23                 45,000.00                   44,958.79
        500834239                           9/1/2021                       645.19                 72,000.00                   71,908.65
        500853775                          10/1/2021                       403.61                 48,000.00                   47,952.59
        500853793                           9/1/2021                     1,569.22                160,000.00                  159,840.85
        500854044                           9/1/2021                       843.28                 70,000.00                   69,959.67
        500826636                           9/1/2021                       746.64                 70,600.00                   39,921.75
        500853664                           9/1/2036                       781.75                 76,000.00                   75,934.09
        500853789                          10/1/2036                       212.41                 23,460.00                   23,440.76
        500854283                           9/1/2021                     1,514.11                150,000.00                  146,693.19
        500794423                           8/1/2036                       542.35                 64,500.00                   64,371.59
        500854275                          10/1/2021                     1,857.31                184,000.00                  183,888.17
        500854335                           9/1/2021                        159.7                 20,300.00                   20,264.71
        500854346                           7/1/2021                       385.69                 40,500.00                   40,426.46
        500854349                           8/1/2036                       391.38                 50,900.00                   50,775.32
        500854352                           8/1/2021                       219.78                 29,600.00                   29,521.76
        500854355                           8/1/2021                       172.56                 16,620.00                   16,530.61
        500854361                           8/1/2021                     1,352.28                180,000.00                  179,536.13
        500854364                           8/1/2021                       327.48                 35,800.00                   35,742.33
        500854366                           8/1/2021                       239.85                 33,080.00                   32,988.06
        500854371                           9/1/2021                     1,489.04                130,000.00                  129,919.48
        500854372                           8/1/2021                       460.22                 53,000.00                   52,902.52
        500854377                           8/1/2021                       458.99                 54,000.00                   53,872.35
        500854380                           8/1/2021                       383.75                 48,780.00                   48,666.52
        500854382                           8/1/2036                       384.61                 42,920.00                   42,847.06
        500854387                           8/1/2021                       567.92                 76,488.00                   76,285.83
        500854388                           8/1/2021                       620.19                 67,800.00                   67,690.82
        500854390                           8/1/2021                       397.27                 42,990.00                   42,922.58
        500854391                           8/1/2021                       298.37                 34,000.00                   33,939.09
        500854392                           8/1/2021                       128.08                 17,250.00                   17,204.41
        500854398                           8/1/2036                       275.49                 39,400.00                   39,281.94
        500854402                           9/1/2021                       337.12                 35,400.00                   35,361.78
        500854409                           8/1/2021                       642.33                 85,500.00                   85,279.67
        500854410                           8/1/2021                       185.11                 23,800.00                   23,682.98
        500854413                           8/1/2021                       272.23                 35,000.00                   34,916.42
        500854416                           8/1/2036                       406.65                 45,380.00                   45,302.90
        500854417                           8/1/2036                        786.7                100,000.00                   99,753.75
        500854420                           8/1/2021                       692.21                 87,000.00                   86,802.74
        500854421                           8/1/2021                        451.8                 49,900.00                   49,817.44
        500854424                           8/1/2021                       419.86                 40,500.00                   40,081.31
        500854425                           9/1/2021                       255.22                 26,800.00                   26,725.89
        500854426                           8/1/2021                       577.82                 61,900.00                   61,805.54
        500854436                           8/1/2021                       230.67                 30,000.00                   29,926.54
        500854438                           9/1/2021                          547                 52,200.00                   51,854.11
        500854444                           9/1/2036                       230.74                 33,000.00                   32,926.07
        500854453                           8/1/2021                        332.7                 40,000.00                   39,918.24
        500854455                           9/1/2021                       406.53                 44,900.00                   44,834.00
        500854461                           9/1/2021                       658.19                 85,600.00                   84,699.37
        500854467                           8/1/2021                       278.06                 38,350.00                   38,243.40
        500854473                           8/1/2021                       273.25                 32,147.00                   32,084.64
        500854479                           9/1/2036                       514.71                 56,269.00                   56,201.34
        500854481                           9/1/2021                       174.36                 19,868.00                   19,841.40
        500854483                           9/1/2021                       174.75                 18,350.00                   18,330.20
        500854488                           9/1/2021                       281.38                 31,400.00                   31,360.15
        500854491                           9/1/2021                       371.15                 43,200.00                   43,139.06
        500854492                           9/1/2021                       457.21                 52,100.00                   52,030.29
        500854495                           9/1/2021                       421.59                 48,040.00                   47,975.70
        500854496                           9/1/2021                       238.08                 34,050.00                   33,973.72
        500854505                           9/1/2021                       336.27                 33,000.00                   32,970.59
        500854509                           9/1/2021                       283.47                 40,050.00                   39,962.48
        500854515                           9/1/2021                       368.56                 44,800.00                   44,729.77
        500854517                           9/1/2021                       751.88                 94,500.00                   94,339.90
        500854527                           9/1/2021                       816.67                 93,060.00                   92,935.46
        500854535                           9/1/2021                        369.8                 45,450.00                   45,376.88
        500854542                           9/1/2021                       521.01                 60,000.00                   59,905.47
        500854543                           9/1/2036                       398.38                 44,000.00                   43,945.64
        500854545                           9/1/2021                       262.94                 28,168.00                   28,135.91
        500854709                          10/1/2021                       529.82                 43,980.00                   43,964.79
        500854881                          10/1/2021                     1,030.87                 90,000.00                   89,963.05
        500855254                           9/1/2021                     1,645.78                160,000.00                  159,861.28
        500855276                          10/1/2021                        537.9                 48,200.00                   48,178.46
        500855320                           9/1/2021                       274.96                 28,035.00                   28,007.10
        500855336                          10/1/2021                       102.85                 10,800.00                   10,792.26
        500855351                           9/1/2021                       654.15                 73,000.00                   72,907.39
        500855366                          10/1/2021                       439.38                 44,800.00                   44,770.44
        500855406                           9/1/2021                       355.46                 30,000.00                   29,983.43
        500855414                           9/1/2021                     1,013.89                 95,000.00                   94,870.13
        500855461                           9/1/2021                       388.47                 41,200.00                   41,154.31
        500855458                           6/1/2021                          780                100,000.00                   99,641.58
        500855467                           9/1/2021                       232.89                 28,000.00                   27,957.25
        500855502                           9/1/2021                       754.93                 64,250.00                   64,213.46
        500855301                           9/1/2021                       728.03                 67,600.00                   67,549.00
        500855545                           9/1/2021                       740.24                 63,000.00                   62,223.94
        500855571                           9/1/2021                       944.52                 88,500.00                   88,431.36
        500779955                          10/1/2021                       781.99                 93,000.00                   92,908.16
        500855659                          10/1/2021                       350.88                 44,100.00                   44,044.28
        500824622                           9/1/2021                       906.45                 89,800.00                   89,717.73
        500855719                           9/1/2021                       450.02                 36,750.00                   36,731.91
        500855775                           9/1/2036                       783.19                 72,200.00                   72,146.73
        500855785                          10/1/2021                       487.35                 41,200.00                   41,184.83
        500816403                           3/1/2036                       804.62                100,000.00                   99,493.42
        500855944                           9/1/2036                     1,625.21                158,000.00                  157,863.01
        500845469                           9/1/2021                       764.96                 73,000.00                   72,940.14
        500856003                           9/1/2036                       282.13                 32,490.00                   32,309.04
        500856033                           9/1/2021                       998.74                 85,000.00                   84,951.66
        500856034                           9/1/2021                       301.55                 28,000.00                   27,978.87
        500856052                           9/1/2021                       843.28                 70,000.00                   69,963.48
        500856089                           9/1/2021                       853.27                 87,000.00                   86,909.97
        500850115                           9/1/2021                       169.25                 17,950.00                   17,930.08
        500856243                           9/1/2026                       523.83                 45,400.00                   45,247.59
        500856252                           9/1/2021                       270.27                 24,450.00                   24,279.52
        500856287                           9/1/2021                       781.64                 85,450.00                   85,347.25
        500856259                           9/1/2021                       610.76                 51,980.00                   51,950.44
        500807276                           8/1/2021                        356.2                 32,200.00                   32,169.22
        500855412                           9/1/2036                       804.71                 84,500.00                   84,408.79
        500856433                          10/1/2021                       378.11                 32,180.00                   32,167.87
        500784103                           7/1/2036                       416.83                 42,500.00                   42,428.83
        500856547                          10/1/2021                       560.51                 53,000.00                   52,971.96
        500856570                          10/1/2021                       594.03                 50,985.00                   50,965.23
        500809259                           9/1/2021                       120.95                 12,700.00                   12,686.28
        500856576                          10/1/2021                       524.13                 44,985.00                   44,967.54
        500856643                          10/1/2021                       974.35                 86,700.00                   86,662.11
        500856645                          10/1/2036                       412.23                 55,000.00                   54,753.12
        500856700                          10/1/2021                       548.76                 53,350.00                   53,319.33
        500856896                          10/1/2021                       121.08                 10,050.00                   10,046.50
        500856936                           9/1/2026                       268.15                 23,240.00                   22,715.94
        500856985                          10/1/2036                       602.34                 50,000.00                   49,982.72
        500856988                          10/1/2026                        242.3                 21,000.00                   20,884.18
        500856990                           9/1/2026                       311.53                 27,000.00                   26,923.83
        500857028                           9/1/2026                       214.05                 20,400.00                   20,330.96
        500856786                          10/1/2021                       293.41                 28,000.00                   27,984.77
        500857067                           9/1/2021                       368.65                 38,000.00                   37,580.89
        500835246                           9/1/2026                       345.48                 35,800.00                   35,657.37
        500857027                           9/1/2021                       881.24                 75,000.00                   74,956.59
        500857088                           9/1/2021                       955.72                 98,400.00                   98,299.40
        500857094                           9/1/2021                       376.31                 38,000.00                   37,963.22
        500857106                           9/1/2021                       523.23                 57,200.00                   57,131.21
        500857129                           9/1/2021                       625.21                 70,500.00                   70,408.13
        500857165                           9/1/2021                       610.72                 56,200.00                   56,158.22
        500857205                           9/1/2021                       738.16                 76,000.00                   75,922.30
        500856853                           9/1/2021                        970.6                 95,250.00                   94,184.90
        500854317                           9/1/2036                       548.11                 54,820.00                   54,705.20
        500857279                           9/1/2021                       336.36                 32,700.00                   32,671.64
        500857469                           9/1/2026                       310.14                 26,880.00                   26,805.60
        500857487                           9/1/2021                       419.16                 40,000.00                   39,967.18
        500857490                           9/1/2021                       417.11                 45,599.00                   45,544.16
        500857542                          10/1/2036                       838.55                 85,500.00                   85,180.59
        500857599                          10/1/2021                       120.47                 10,000.00                    9,996.54
        500857603                           9/1/2021                        824.7                 72,000.00                   71,853.14
        500857604                           7/1/2021                       392.25                 49,300.00                   49,159.76
        500857670                           7/1/2021                       594.99                 70,000.00                   69,829.63
        500816413                           8/1/2021                       465.83                 55,400.00                   55,289.71
        500816431                           8/1/2021                        264.9                 32,200.00                   32,132.46
        500857727                          10/1/2036                       399.89                 33,750.00                   33,637.54
        500818035                           9/1/2021                       348.54                 47,500.00                   47,403.74
        500826595                          10/1/2021                       104.79                 10,000.00                    9,994.56
        500858123                          10/1/2036                       525.01                 67,500.00                   67,269.47
        500858141                          10/1/2036                       745.91                 73,200.00                   73,152.67
        500818438                           8/1/2021                       333.73                 33,700.00                   33,656.30
        500816442                           8/1/2021                        796.4                 76,000.00                   75,916.46
        500858213                          10/1/2021                       764.25                 75,000.00                   74,955.66
        500858355                          10/1/2021                     1,205.28                118,281.00                  118,211.06
        500853602                          10/1/2021                       673.57                 73,635.00                   73,576.22
        500858387                           9/1/2036                       628.56                 79,000.00                   78,866.14
        500858397                          10/1/2036                     1,226.78                116,000.00                  115,938.63
        500858434                          10/1/2021                       383.58                 38,000.00                   37,976.89
        500851990                          10/1/2021                       257.39                 32,350.00                   32,313.60
        500858664                          10/1/2021                       258.36                 26,600.00                   26,581.95
        500807550                           8/1/2021                       990.69                102,000.00                  101,860.29
        500858690                          10/1/2036                       388.66                 36,750.00                   36,730.54
        500858681                           9/1/2036                       278.48                 35,000.00                   34,739.94
        500849553                          10/1/2021                     1,208.57                102,000.00                  101,962.64
        500858943                           9/1/2021                        179.3                 16,500.00                   16,464.57
        500852021                          10/1/2021                        786.7                100,000.00                   99,884.52
        500859139                          10/1/2021                       923.26                109,800.00                  109,691.55
        500859329                          10/1/2021                       179.99                 15,200.00                   15,117.18
        500859336                          10/1/2021                     1,644.66                150,000.00                  131,555.11
        500821411                           8/1/2036                       290.46                 30,500.00                   30,455.88
        500859483                          10/1/2021                       385.73                 37,500.00                   37,092.64
        500859519                           9/1/2021                        892.4                 75,950.00                   75,906.82
        500859497                          10/1/2036                       783.03                 64,999.00                   64,976.53
        500859563                           9/1/2021                       729.72                 69,000.00                   68,944.97
        500859603                           9/1/2021                       754.31                 80,000.00                   79,911.27
        500859628                          10/1/2021                       528.13                 48,600.00                   48,576.37
        500859849                          10/1/2021                       189.97                 21,200.00                   20,932.15
        500859933                           9/1/2021                       225.15                 20,000.00                   19,986.91
        500859938                          10/1/2021                       197.01                 17,500.00                   17,492.39
        500812053                           8/1/2021                       618.59                 72,000.00                   71,863.99
        500859971                          10/1/2021                       284.42                 29,000.00                   28,980.87
        500860014                           9/1/2021                       676.05                 80,400.00                   80,280.41
        500860177                          10/1/2021                       546.93                 45,400.00                   45,384.30
        500860242                          10/1/2021                       237.83                 26,000.00                   25,979.25
        500860291                          10/1/2021                          129                 14,700.00                   14,686.95
        500860295                          10/1/2021                       276.99                 28,800.00                   28,769.93
        500860342                          10/1/2021                       639.48                 60,800.00                   60,394.36
        500860430                          10/1/2036                       968.05                 95,000.00                   94,943.83
        500860505                          10/1/2021                       555.43                 57,750.00                   57,620.18
        500812274                           9/1/2021                       248.89                 22,500.00                   22,484.39
        500828560                           9/1/2021                     1,083.40                 97,939.00                   97,871.08
        500860581                          10/1/2021                        307.2                 25,500.00                   24,951.46
        500860658                          10/1/2021                       556.31                 59,000.00                   58,956.56
        500860875                          10/1/2021                       378.38                 45,000.00                   44,955.56
        500855194                          10/1/2021                       552.38                 79,000.00                   78,882.37
        500860894                           9/1/2036                       171.86                 16,400.00                   16,386.54
        500860937                           9/1/2021                          677                 77,964.00                   77,856.86
        500861059                          10/1/2021                       298.08                 30,100.00                   30,080.67
        500861062                          10/1/2021                       847.71                 94,600.00                   94,520.32
        500861285                          10/1/2036                       434.09                 42,600.00                   42,442.35
        500809471                           7/1/2021                       236.07                 26,900.00                   26,839.49
        500837121                          10/1/2021                       232.89                 28,000.00                   27,971.61
        500861504                           9/1/2036                       322.98                 31,400.00                   31,372.79
        500861778                          10/1/2021                       253.28                 29,480.00                   29,452.38
        500861835                          10/1/2026                       535.13                 48,600.00                   48,501.25
        500860613                           7/1/2036                       506.73                 53,000.00                   52,879.24
        500861968                           9/1/2021                       723.64                 69,698.00                   69,638.48
        500861972                           9/1/2021                       889.03                 73,798.00                   73,759.51
        500861979                           9/1/2021                       787.64                 73,800.00                   73,742.73
        500861982                           9/1/2021                       704.94                 69,180.00                   69,118.35
        500836560                           9/1/2021                       312.83                 26,850.00                   26,834.14
        500862374                          10/1/2021                       323.27                 27,300.00                   27,187.53
        500862608                          10/1/2021                       931.86                 94,100.00                   94,039.57
        500862636                          10/1/2021                       239.22                 26,152.00                   26,131.13
        500862646                           9/1/2021                       152.11                 16,800.00                   16,779.24
        500824212                           8/1/2036                       780.91                 82,000.00                   81,881.42
        500825028                           8/1/2021                     1,278.43                122,000.00                  121,865.92
        500860960                          10/1/2036                       153.78                 20,000.00                   19,975.69
        500858115                          10/1/2021                        239.7                 28,200.00                   28,152.19
        500862963                          10/1/2036                       457.37                 50,000.00                   49,960.09
        500821783                           9/1/2021                       342.37                 35,250.00                   35,213.96
        500857070                          10/1/2021                       522.86                 68,000.00                   67,917.32
        500863545                          10/1/2021                       210.54                 17,780.00                   17,706.76
        500863733                           9/1/2021                       217.57                 24,280.00                   24,249.20
        500863739                          10/1/2021                       495.15                 50,000.00                   49,942.90
        500863747                          10/1/2021                       569.92                 53,400.00                   53,372.52
        500863882                          10/1/2026                       235.63                 21,400.00                   21,356.52
        500826311                           8/1/2021                        414.1                 38,800.00                   38,759.64
        500863990                          10/1/2036                       529.61                 54,000.00                   53,964.37
        500864164                          10/1/2021                        153.6                 12,750.00                   12,745.59
        500864255                          10/1/2021                       491.85                 46,937.00                   46,911.47
        500864248                          10/1/2021                       382.44                 38,250.00                   38,226.10
        500864317                          10/1/2021                       389.94                 39,000.00                   38,975.62
        500864360                          10/1/2021                       484.52                 48,000.00                   47,970.82
        500864368                          10/1/2021                       464.93                 46,500.00                   46,470.94
        500849677                          10/1/2021                       388.12                 42,000.00                   41,967.37
        500864534                          10/1/2021                       244.86                 28,500.00                   28,473.29
        500802251                           7/1/2021                       405.28                 36,000.00                   35,960.23
        500848720                          10/1/2021                       619.04                 60,750.00                   60,714.09
        500864816                          10/1/2021                       325.27                 27,000.00                   26,989.19
        500862156                          10/1/2021                     1,168.55                 97,000.00                   96,966.46
        500864969                           9/1/2021                        327.6                 34,400.00                   34,360.44
        500864975                          10/1/2021                       517.15                 55,400.00                   55,358.09
        500864981                          10/1/2036                       336.17                 39,980.00                   39,611.57
        500864982                           9/1/2021                       738.59                 93,885.00                   93,721.78
        500864989                          10/1/2021                        208.4                 24,000.00                   23,978.11
        500865004                          10/1/2021                       379.17                 48,750.00                   48,692.23
        500865009                           9/1/2021                       459.04                 57,694.00                   57,596.26
        500865010                           9/1/2021                        821.2                 84,550.00                   84,463.57
        500865014                          10/1/2021                       438.14                 55,067.00                   55,005.03
        500865015                          10/1/2021                       185.82                 25,628.00                   25,492.88
        500865018                          10/1/2036                       627.27                 70,000.00                   69,941.05
        500865019                           9/1/2036                       247.15                 25,200.00                   25,174.95
        500865020                          10/1/2021                       420.01                 54,000.00                   53,735.29
        500865032                           9/1/2021                       337.12                 35,400.00                   35,361.79
        500856596                          10/1/2021                       843.54                 72,400.00                   72,371.46
        500865252                          10/1/2021                       363.19                 35,980.00                   35,958.12
        500865313                          10/1/2036                       339.82                 33,348.60                   33,328.89
        500865485                           9/1/2021                       785.26                 67,398.00                   67,358.58
        500865488                           9/1/2021                       709.01                 72,292.00                   72,220.10
        500855034                          10/1/2021                       273.25                 33,990.00                   33,925.89
        500827819                           8/1/2021                       381.33                 43,000.00                   42,924.99
        500868043                          10/1/2036                       427.61                 39,000.00                   38,981.56
        500868299                          10/1/2021                       177.36                 19,000.00                   18,984.35
        500825675                           9/1/2021                       289.12                 24,000.00                   23,987.48
        500842354                           9/1/2021                       754.49                 72,000.00                   71,939.90
        500848874                           7/1/2021                       670.66                 65,200.00                   65,080.07
        500831463                           9/1/2021                       410.42                 39,900.00                   39,865.40
        500816281                           8/1/2036                       313.63                 26,250.00                   26,231.08
        500871361                           9/1/2021                       835.48                 79,000.00                   78,936.98
        407338556                          11/1/2020                       286.56                 33,000.00                   32,795.11
        408417698                           3/1/2021                     1,148.58                146,000.00                  144,905.84
        408417699                           7/1/2021                     1,058.95                121,950.00                  121,668.39
        408417700                           4/1/2021                       583.34                 75,000.00                   74,636.74
        408417701                           4/1/2021                       421.69                 53,000.00                   52,733.26
        408417704                           4/1/2021                        447.2                 51,500.00                   51,307.33
        408417705                           6/1/2021                       413.74                 52,000.00                   51,810.15
        408417706                           4/1/2021                     1,082.08                136,000.00                  135,374.00
        408417711                           7/1/2021                       332.56                 37,500.00                   37,417.77
        408417713                           6/1/2021                       324.38                 39,000.00                   38,828.07
        408417714                           5/1/2021                       265.03                 38,850.00                   38,633.94
        408417724                           7/1/2021                     1,261.28                150,000.00                  149,625.22
        408417725                           6/1/2021                     1,024.28                115,500.00                  115,180.14
        408417728                           7/1/2021                       412.16                 50,100.00                   49,968.13
        408417731                           7/1/2021                        382.5                 45,000.00                   44,890.44
        408417732                           7/1/2021                       466.74                 50,000.00                   49,667.54
        408417735                           5/1/2021                     1,160.38                138,000.00                  137,513.40
        408417736                           7/1/2021                       262.44                 28,400.00                   26,236.51
        408417737                           7/1/2021                       471.08                 64,200.00                   63,977.05
        408417738                           6/1/2021                       647.46                 77,000.00                   76,768.19
        408417743                           7/1/2021                       235.72                 25,000.00                   24,953.38
        408417746                           7/1/2021                     1,330.23                150,000.00                  149,671.49
        408417748                           6/1/2021                     1,053.09                120,000.00                  119,659.63
        408417751                           7/1/2021                     1,119.62                102,000.00                  100,790.56
        408417753                           7/1/2021                       810.58                 91,403.00                   91,193.24
        408417757                           6/1/2021                       831.84                 93,800.00                   93,552.42
        408417758                           7/1/2021                       186.23                 21,000.00                   20,954.02
        408417759                           7/1/2021                       283.63                 35,250.00                   35,152.28
        408417760                           7/1/2021                       354.73                 40,000.00                   39,819.52
        408417761                           7/1/2021                       778.63                 87,800.00                   87,576.06
        408417765                           7/1/2021                       376.79                 45,800.00                   45,679.41
        408417766                           7/1/2021                       290.94                 34,600.00                   34,467.50
        408417767                           6/1/2021                       812.13                 87,000.00                   86,737.21
        408417768                           7/1/2021                     1,060.64                119,600.00                  119,338.04
        408417770                           7/1/2021                       589.24                 74,900.00                   74,681.38
        408417773                           7/1/2021                       271.52                 30,300.00                   30,235.35
        408417779                           7/1/2021                       824.75                 93,000.00                   92,796.28
        408417782                           6/1/2021                       877.95                 99,000.00                   98,738.71
        408417785                           6/1/2021                       198.22                 21,450.00                   21,399.09
        408417789                           6/1/2021                       691.72                 78,000.00                   77,794.14
        408417797                           7/1/2021                       236.68                 23,900.00                   23,861.06
        408417801                           7/1/2021                     1,330.23                150,000.00                  149,671.49
        408417805                           7/1/2021                     1,037.58                117,000.00                  116,680.45
        408417809                           7/1/2021                       673.99                 76,000.00                   75,833.51
        408417810                           7/1/2021                       497.11                 52,200.00                   52,105.23
        408417811                           6/1/2021                        558.7                 63,000.00                   62,547.50
        408417814                           7/1/2021                       183.44                 25,000.00                   24,742.68
        408417815                           7/1/2021                       310.39                 35,000.00                   34,923.34
        408417816                           6/1/2021                       755.45                 81,750.00                   81,556.02
        408417819                           7/1/2021                       912.09                120,000.00                  119,621.82
        408417822                           7/1/2021                       873.52                 98,500.00                   97,901.60
        408417824                           6/1/2021                     1,135.13                128,000.00                  127,662.16
        408417825                           7/1/2021                       850.17                 92,000.00                   91,818.89
        408417828                           7/1/2021                       993.24                112,000.00                  111,754.69
        408417830                           7/1/2021                       700.39                 82,400.00                   82,199.44
        408417833                           7/1/2021                     1,073.06                121,000.00                  120,734.96
        408417834                           7/1/2021                       273.57                 34,000.00                   33,905.75
        408417835                           7/1/2021                       860.14                 95,000.00                   94,802.69
        408417836                           7/1/2021                       346.85                 41,250.00                   15,748.84
        408417845                           7/1/2021                       742.43                 82,000.00                   81,829.73
        408417848                           7/1/2021                       399.07                 45,000.00                   44,901.43
        408417849                           7/1/2021                       963.87                111,000.00                  110,743.65
        408417850                           7/1/2021                       579.54                 65,350.00                   65,206.85
        408417852                           6/1/2021                       993.22                111,998.00                  111,702.40
        408417855                           7/1/2021                       570.41                 63,000.00                   62,869.15
        408417856                           6/1/2021                       689.95                 77,800.00                   77,584.24
        408417858                           7/1/2021                       602.89                 71,700.00                   71,520.86
        408417865                           6/1/2021                       287.94                 35,000.00                   34,815.31
        408417866                           7/1/2021                       301.52                 34,000.00                   33,925.53
        408417869                           7/1/2021                       531.49                 63,900.00                   63,188.69
        408417870                           7/1/2021                       916.97                103,400.00                  103,173.55
        408417872                           7/1/2021                       376.01                 42,400.00                   42,307.15
        408417873                           7/1/2021                       950.68                105,000.00                  104,781.92
        408417874                           7/1/2021                     1,063.74                119,950.00                  119,687.29
        408417875                           7/1/2021                       161.36                 19,400.00                   19,350.24
        408417879                           7/1/2021                       115.05                 12,450.00                   12,410.41
        408417880                           6/1/2021                       158.95                 18,700.00                   18,645.15
        408417882                           6/1/2021                       937.82                108,000.00                  107,699.46
        408417886                           7/1/2021                     1,442.67                150,000.00                  149,734.91
        408417890                           7/1/2021                       933.03                102,000.00                  101,791.83
        408417893                           6/1/2021                       981.23                113,000.00                  112,685.60
        408417894                           7/1/2021                       369.05                 34,100.00                   33,686.42
        408417895                           7/1/2021                       113.56                 10,000.00                    9,989.25
        408417899                           7/1/2021                       256.71                 27,500.00                   23,718.98
        408417900                           6/1/2021                       346.61                 42,600.00                   42,450.92
        408417901                           7/1/2021                       443.41                 50,000.00                   49,890.50
        408417905                           7/1/2021                       744.88                 79,000.00                   78,852.64
        408417909                           7/1/2021                        814.1                 91,800.00                   91,598.94
        408417910                           7/1/2021                       803.46                 90,600.00                   90,401.57
        408417911                           7/1/2021                       757.55                 94,150.00                   90,733.21
        408417912                           7/1/2021                       760.54                 84,000.00                   80,877.08
        408417916                           7/1/2021                       557.27                 67,000.00                   66,828.18
        408417917                           7/1/2021                       935.68                115,000.00                  114,689.30
        408417918                           7/1/2021                     1,275.57                140,884.00                  140,541.93
        408417921                           7/1/2021                       807.01                 91,000.00                   90,794.62
        408417922                           7/1/2021                     1,266.48                149,000.00                  148,637.34
        408417925                           7/1/2021                     1,099.66                124,000.00                  123,728.40
        408417929                           7/1/2021                       846.03                 95,400.00                   95,191.04
        408417933                           7/1/2021                     1,064.19                120,000.00                  119,737.14
        408417938                           6/1/2021                       754.66                 82,500.00                   82,298.95
        408417940                           7/1/2021                       776.24                 84,000.00                   83,834.64
        408417941                           7/1/2021                       434.54                 49,000.00                   48,841.85
        408417947                           7/1/2021                       235.01                 26,500.00                   26,441.94
        408417953                           7/1/2021                     1,033.66                113,000.00                  112,771.49
        408417955                           7/1/2021                       771.54                 87,000.00                   86,809.43
        408417959                           7/1/2021                       831.84                 93,800.00                   92,770.56
        408417962                           7/1/2021                        647.3                 66,000.00                   65,876.61
        408417963                           7/1/2021                       478.39                 58,150.00                   57,996.91
        408417973                           7/1/2021                       905.41                100,000.00                   99,792.30
        408417974                           7/1/2021                       927.14                102,400.00                   98,444.84
        408417977                           7/1/2021                        96.05                 10,500.00                   10,478.76
        408417979                           7/1/2021                       381.33                 43,000.00                   42,905.84
        408417980                           7/1/2021                       975.85                105,600.00                  105,392.10
        408417982                           7/1/2021                       328.71                 40,400.00                   40,268.90
        408417986                           7/1/2021                       344.97                 38,900.00                   38,814.82
        408417987                           6/1/2021                       879.74                103,500.00                  103,196.48
        408417990                           7/1/2021                     1,399.78                140,000.00                  139,778.09
        408417998                           7/1/2021                       140.87                 15,400.00                   10,784.55
        408418006                           7/1/2021                       886.82                100,000.00                   99,780.99
        408418011                           7/1/2021                       734.73                 82,850.00                   82,668.27
        408418014                           7/1/2021                       751.49                 83,000.00                   82,827.62
        408418016                           7/1/2021                       416.81                 47,000.00                   46,897.04
        408418017                           7/1/2021                        877.9                101,100.00                  100,866.54
        408418024                           7/1/2021                       447.56                 51,000.00                   48,979.61
        408418025                           7/1/2021                       731.63                 93,000.00                   92,691.43
        408418026                           7/1/2021                       304.95                 33,000.00                   32,346.43
        408418027                           7/1/2021                        686.4                 87,250.00                   86,592.38
        408418028                           7/1/2021                     1,099.66                124,000.00                  123,728.40
        408418030                           7/1/2021                       329.07                 40,000.00                   39,791.59
        408418033                           7/1/2021                       355.37                 39,250.00                   39,168.50
        408418039                           7/1/2021                       467.48                 49,580.00                   49,221.90
        408418041                           7/1/2021                       886.82                100,000.00                   99,780.99
        408418044                           7/1/2021                       907.04                114,000.00                  113,675.67
        408418045                           7/1/2021                       878.84                 99,100.00                   98,882.96
        408418046                           7/1/2021                     1,223.40                129,750.00                  129,507.95
        408418050                           7/1/2021                       833.61                 96,000.00                   95,777.93
        408418051                           7/1/2021                        769.6                 85,000.00                   84,823.46
        408418053                           7/1/2021                       158.69                 17,000.00                   16,884.07
        408418056                           7/1/2021                     1,285.68                142,000.00                  141,705.09
        408418060                           7/1/2021                     1,288.73                150,000.00                  149,644.10
        408418066                           7/1/2021                       221.43                 25,500.00                   25,106.58
        408418067                           7/1/2021                     1,414.34                150,000.00                  149,720.16
        408418068                           7/1/2021                       228.68                 25,000.00                   24,661.03
        408418071                           7/1/2021                       868.35                100,000.00                   99,769.07
        408418073                           7/1/2021                       195.38                 22,500.00                   22,448.04
        408418077                           7/1/2021                       904.56                102,000.00                  101,776.58
        408436615                           6/1/2021                       860.22                 97,000.00                   96,743.95
        408436616                           6/1/2021                       875.44                 92,000.00                   91,572.27
        408436618                           6/1/2021                        922.7                 95,000.00                   94,802.98
        408436619                           6/1/2021                       702.81                 73,800.00                   73,637.90
        408436625                           6/1/2021                       223.16                 20,925.00                   20,891.96
        408436627                           6/1/2021                       259.87                 23,100.00                   22,788.02
        408436631                           6/1/2021                     1,228.60                140,000.00                  139,620.58
        408436633                           6/1/2021                       334.81                 32,550.00                   32,492.73
        408436634                           6/1/2021                       914.46                101,000.00                  100,713.28
        408436635                           6/1/2021                       718.33                 81,000.00                   80,786.18
        408436637                           6/1/2021                     1,080.07                107,000.00                  105,700.49
        408436640                           6/1/2021                     1,201.20                119,000.00                  118,778.70
        408436647                           6/1/2021                        830.6                 80,000.00                   79,862.98
        408436650                           6/1/2021                        780.4                 88,000.00                   87,767.74
        408436652                           6/1/2021                       310.98                 27,866.00                   25,895.60
        408436654                           6/1/2021                       632.34                 73,600.00                   73,389.73
        408436655                           6/1/2021                       892.89                 86,000.00                   85,852.74
        408436658                           6/1/2021                       958.83                107,000.00                  106,641.42
        408436659                           6/1/2036                        422.5                 43,500.00                   43,409.78
        408436660                           6/1/2036                        422.5                 43,500.00                   43,409.78
        408436661                           6/1/2036                        422.5                 43,500.00                   43,409.78
        408436671                           6/1/2021                       675.16                 77,000.00                   76,756.56
        408436679                           6/1/2021                       403.25                 45,000.00                   44,884.31
        408436681                           6/1/2021                     1,314.21                138,000.00                  137,697.88
        408436682                           6/1/2021                     1,433.36                142,000.00                  141,735.95
        408436683                           6/1/2021                     1,261.76                125,000.00                  124,767.57
        408436688                           6/1/2021                       189.36                 22,520.00                   22,452.22
        408436690                           6/1/2021                       759.34                 86,600.00                   86,157.74
        408436693                           6/1/2021                       218.43                 25,977.00                   25,898.20
        408436697                           6/1/2021                     1,052.20                120,000.00                  119,674.09
        408436700                           6/1/2021                       995.12                 92,400.00                   92,258.35
        408436701                           6/1/2021                       293.56                 32,760.00                   32,675.82
        408436702                           6/1/2021                       415.34                 46,350.00                   46,230.87
        408436703                           6/1/2021                       381.46                 44,400.00                   44,273.18
        408436704                           6/1/2021                       586.83                 67,580.00                   67,391.94
        408436705                           6/1/2021                       958.83                107,000.00                  106,724.97
        408436706                           6/1/2021                       567.04                 66,000.00                   65,811.47
        408436707                           6/1/2021                       253.88                 24,700.00                   24,634.72
        408436709                           6/1/2021                     1,038.24                100,000.00                   99,828.79
        408436713                           6/1/2021                       311.12                 37,000.00                   36,888.59
        408436716                           6/1/2021                     1,433.19                152,000.00                  151,658.20
        408436720                           7/1/2021                        260.5                 30,000.00                   29,652.27
        408436721                           6/1/2021                     1,080.07                107,000.00                  106,801.01
        408436722                           6/1/2021                       772.61                 85,000.00                   84,134.07
        408436723                           6/1/2021                       580.19                 69,000.00                   68,792.29
        408436725                           6/1/2021                       445.65                 53,000.00                   52,840.48
        408436726                           7/1/2021                       961.21                 92,580.00                   92,448.53
        408436731                           6/1/2021                       407.24                 47,400.00                   47,264.59
        408436732                           6/1/2021                       847.13                 98,600.00                   98,318.30
        408436738                           6/1/2021                       524.48                 60,400.00                   60,231.95
        408436739                           6/1/2021                       605.42                 72,000.00                   71,142.51
        408436740                           6/1/2021                       816.14                 93,000.00                   91,982.99
        408436744                           6/1/2021                       616.53                 71,000.00                   70,802.43
        408436745                           6/1/2021                       449.02                 53,400.00                   53,237.26
        408436750                           6/1/2021                       712.24                 68,600.00                   68,445.98
        408436751                           6/1/2021                          939                107,000.00                  106,710.01
        408436754                           6/1/2021                       727.77                 83,000.00                   82,774.59
        408436764                           6/1/2021                       647.82                 62,980.00                   62,837.47
        408436765                           6/1/2021                        676.3                 67,000.00                   66,875.43
        408436769                           6/1/2021                       618.42                 71,980.00                   71,774.36
        408436771                           6/1/2021                     1,602.91                170,000.00                  169,617.73
        408436772                           6/1/2021                     1,527.48                162,000.00                  161,635.71
        408436788                           6/1/2021                       742.44                 85,500.00                   85,262.07
        408436789                           7/1/2021                       840.67                 97,848.00                   97,615.78
        408436794                           6/1/2021                       710.23                 81,000.00                   80,779.70
        408436796                           6/1/2021                     1,417.85                155,000.00                  154,622.23
        408436797                           6/1/2021                       728.45                 75,000.00                   74,844.46
        408436799                           6/1/2021                       687.32                 80,000.00                   78,863.17
        408436801                           6/1/2021                       651.26                 75,000.00                   73,285.61
        408436802                           6/1/2021                       404.48                 46,580.00                   46,354.29
        408436806                           6/1/2021                       423.79                 41,200.00                   41,127.46
        408436809                           6/1/2021                       699.71                 79,800.00                   79,583.28
        408436810                           7/1/2021                       799.01                 93,000.00                   92,775.48
        408436818                           6/1/2021                       618.87                 73,600.00                   73,245.87
        408436820                           6/1/2021                       483.03                 53,300.00                   53,300.00
        408436822                           6/1/2021                        859.3                 98,000.00                   95,086.72
        408436829                           7/1/2036                       427.98                 44,064.00                   43,988.19
        408436837                           6/1/2021                       542.39                 57,000.00                   56,874.99
        408436838                           6/1/2021                     1,425.81                146,800.00                  146,495.59
        408436839                           6/1/2021                     1,291.78                133,000.00                  132,723.16
        408436843                           6/1/2021                       200.87                 23,380.00                   23,156.37
        408436846                           6/1/2021                       789.15                 90,000.00                   89,755.56
        408436849                           6/1/2021                       875.08                 99,800.00                   99,528.95
        408436851                           7/1/2021                       982.88                112,000.00                  111,748.09
        408436852                           6/1/2021                       504.51                 60,000.00                   59,819.39
        408436857                           6/1/2021                       789.81                 90,000.00                   89,756.11
        408436858                           7/1/2021                     1,633.33                160,000.00                  160,000.00
        408436862                           6/1/2021                     1,154.77                108,200.00                  108,029.48
        408436863                           6/1/2021                     1,047.90                100,000.00                   99,833.40
        408436867                           6/1/2021                       420.43                 50,000.00                   49,849.46
        408436868                           7/1/2021                        236.4                 23,000.00                   22,966.38
        408436869                           7/1/2021                          719                 82,000.00                   81,815.19
        408436872                           6/1/2021                     1,030.52                115,000.00                  114,704.38
        408436873                           6/1/2021                       633.89                 73,000.00                   72,796.89
        408436874                           7/1/2021                       857.44                 99,800.00                   99,563.37
        408436878                           7/1/2021                     1,018.79                 99,800.00                   99,800.00
        408436880                           7/1/2021                       652.96                 76,000.00                   75,819.79
        408436882                           7/1/2021                        588.6                 70,000.00                   69,825.08
        408436889                           7/1/2021                       840.01                 95,800.00                   95,584.06
        408436900                           7/1/2021                        816.2                 95,000.00                   94,774.75
        408436901                           7/1/2021                       714.82                 83,200.00                   83,002.72
        408436910                           7/1/2021                     1,330.40                131,800.00                  131,596.77
        408436914                           7/1/2021                     1,238.02                116,000.00                  115,848.44
        408436920                           7/1/2021                       942.89                100,000.00                   99,755.30
        408436923                           7/1/2021                       833.38                 97,000.00                   96,770.03
        408436924                           7/1/2021                       756.06                 88,000.00                   87,791.34
        408436929                           7/1/2021                     1,089.66                121,600.00                  121,340.64
        408436930                           7/1/2021                       687.32                 80,000.00                   79,810.34
        408436933                           7/1/2021                       606.88                 59,000.00                   58,911.83
        408436934                           7/1/2021                       728.29                 69,500.00                   69,404.01
        408436940                           7/1/2021                        596.6                 58,000.00                   57,915.33
        408436948                           7/1/2021                       231.97                 27,000.00                   26,936.00
        408436950                           7/1/2021                       601.41                 70,000.00                   69,834.03
        408436951                           7/1/2021                       677.49                 77,200.00                   77,026.34
        408436954                           7/1/2021                     1,184.50                109,000.00                  108,865.30
        408436957                           7/1/2021                       369.98                 44,000.00                   43,890.04
        408436958                           7/1/2021                        193.4                 23,000.00                   22,942.50
        408436960                           7/1/2021                     1,173.63                108,000.00                  107,866.54
        408436967                           7/1/2021                        487.3                 54,380.00                   54,264.02
        408436968                           7/1/2021                       700.59                 79,000.00                   78,826.97
        408436971                           7/1/2021                       510.59                 58,800.00                   58,664.21
        408436974                           7/1/2021                        903.9                103,000.00                  102,768.33
        408436975                           7/1/2021                       721.69                 84,000.00                   83,800.84
        408436976                           7/1/2021                       789.02                 88,050.00                   87,862.19
        408436978                           7/1/2021                       496.73                 59,075.00                   58,927.43
        408436981                           7/1/2021                       823.27                 90,000.00                   89,817.99
        408436983                           7/1/2021                       429.58                 50,000.00                   49,881.44
        408436984                           7/1/2021                       267.39                 31,800.00                   31,689.87
        408436988                           7/1/2021                     1,036.42                118,200.00                  117,933.59
        408436990                           7/1/2021                       730.28                 85,000.00                   84,798.48
        408436991                           7/1/2021                     1,090.16                108,000.00                  107,833.47
        408436993                           7/1/2021                       793.46                 85,000.00                   84,837.10
        408436997                           7/1/2021                       982.88                112,000.00                  111,748.09
        408436999                           7/1/2021                       313.55                 34,990.00                   34,907.27
        408437002                           7/1/2021                       504.51                 60,000.00                   59,850.09
        408437003                           7/1/2021                       529.74                 63,000.00                   62,771.76
        408437004                           7/1/2021                       977.61                111,400.00                  111,149.47
        408437005                           7/1/2021                       613.82                 73,000.00                   72,643.21
        408437008                           7/1/2021                     1,370.26                144,000.00                  143,737.94
        408437014                           7/1/2021                       754.34                 87,800.00                   87,591.63
        408437015                           7/1/2021                        780.4                 88,000.00                   87,707.78
        408437016                           7/1/2021                       729.34                 69,600.00                   69,503.36
        408437017                           7/1/2021                       549.86                 64,000.00                   63,848.26
        408437019                           7/1/2021                       546.56                 65,000.00                   64,835.11
        408437020                           7/1/2021                     1,347.59                128,600.00                  128,422.43
        408437022                           7/1/2021                       790.42                 92,000.00                   91,781.89
        408437023                           7/1/2021                       651.26                 75,000.00                   74,826.81
        408437025                           7/1/2021                       676.15                 71,000.00                   70,871.07
        408437032                           7/1/2021                       366.44                 42,200.00                   42,064.24
        408437034                           7/1/2021                     1,659.87                158,400.00                  158,181.21
        408437035                           7/1/2021                       723.24                 84,180.00                   83,977.62
        408437038                           8/1/2021                       473.87                 37,500.00                   36,998.07
        408437043                           7/1/2021                       417.06                 49,600.00                   49,461.15
        408437044                           7/1/2021                       420.43                 50,000.00                   49,875.05
        408437045                           7/1/2021                       622.23                 74,000.00                   73,814.09
        408437046                           7/1/2021                     1,014.39                113,200.00                  112,958.54
        408437047                           7/1/2021                       431.77                 49,200.00                   49,089.33
        408437048                           8/1/2021                     1,237.38                141,000.00                  140,747.35
        408437051                           7/1/2021                       833.61                 94,000.00                   93,794.13
        408437054                           7/1/2021                       575.63                 67,000.00                   66,841.18
        408437055                           7/1/2021                     1,406.18                129,400.00                  129,240.12
        408437056                           7/1/2021                       429.58                 50,000.00                   49,879.31
        408437062                           7/1/2021                       500.17                 57,600.00                   57,466.98
        408437064                           7/1/2021                     1,167.17                133,000.00                  132,700.84
        408437069                           7/1/2021                       771.52                 89,800.00                   89,587.10
        408437070                           7/1/2021                     1,070.64                122,000.00                  120,217.28
        408509569                           7/1/2021                     1,106.20                100,000.00                   99,882.66
        408509570                           5/1/2021                       266.81                 25,000.00                   24,953.83
        408509574                           7/1/2021                       164.75                 17,300.00                   17,216.39
        408509575                           7/1/2021                       242.37                 25,450.00                   25,403.76
        408509577                           6/1/2021                       735.62                 72,000.00                   71,870.71
        408509579                           6/1/2021                        711.8                 69,200.00                   69,077.79
        408509582                           7/1/2021                       851.65                 86,000.00                   85,859.93
        408509591                           7/1/2021                       199.99                 21,000.00                   20,961.85
        408509593                           7/1/2036                       612.42                 54,400.00                   54,339.93
        408509595                           7/1/2021                       195.07                 19,890.00                   19,618.29
        408509596                           7/1/2021                       176.31                 15,799.00                   12,714.72
        408509597                           7/1/2021                       198.13                 20,600.00                   20,563.58
        408509599                           7/1/2021                     1,443.46                143,000.00                  142,492.86
        408509600                           7/1/2021                       732.82                 74,000.00                   73,879.45
        408509601                           7/1/2021                     1,232.99                121,000.00                  120,818.48
        408509604                           7/1/2021                       364.26                 38,250.00                   38,180.57
        408509605                           7/1/2036                       153.35                 14,500.00                   14,480.50
        408509608                           7/1/2021                        310.8                 32,000.00                   31,944.98
        408525599                           7/1/2021                       596.31                 65,189.00                   65,057.19
        408525605                           8/1/2021                       683.04                 64,000.00                   63,933.48
        408525610                           7/1/2036                     1,645.11                173,550.00                  173,550.00
        408560267                           5/1/2021                       443.65                 49,000.00                   48,856.29
        408560280                           7/1/2021                       558.35                 64,300.00                   64,149.83
        408560285                           7/1/2021                       361.88                 39,400.00                   39,321.19
        408581348                           4/1/2021                       298.75                 28,000.00                   27,437.33
        408581349                           4/1/2021                       665.12                 75,000.00                   74,733.78
        408581350                           4/1/2021                       295.74                 33,700.00                   33,577.20
        408581353                           4/1/2021                       472.59                 55,600.00                   55,360.89
        408581354                           5/1/2021                        156.4                 18,600.00                   18,534.41
        408581357                           5/1/2021                       600.71                 75,500.00                   75,146.58
        408581358                           5/1/2021                       327.24                 36,900.00                   36,785.86
        408581359                           6/1/2021                       596.04                 64,500.00                   64,346.97
        408581360                           5/1/2021                        494.4                 55,750.00                   55,577.62
        408581361                           5/1/2021                       258.49                 28,550.00                   28,451.51
        408581362                           5/1/2021                       729.42                 89,650.00                   89,308.35
        408581364                           8/1/2021                     1,325.54                142,000.00                  141,703.60
        408581366                           7/1/2021                     1,164.36                126,000.00                  125,693.07
        408581368                           7/1/2021                       734.73                 82,850.00                   82,668.56
        408581370                           7/1/2021                       435.04                 60,000.00                   58,271.01
        408581372                           7/1/2021                     1,051.95                115,000.00                  114,767.47
        408581373                           7/1/2021                       945.07                110,000.00                  109,739.19
        408581374                           7/1/2021                       965.52                102,400.00                  101,094.63
        408581376                           7/1/2021                       360.84                 42,000.00                   41,900.45
        408581377                           7/1/2021                       774.45                 96,250.00                   95,983.15
        408581378                           7/1/2021                     1,329.14                146,800.00                  146,495.12
        408581379                           7/1/2021                     1,061.10                116,000.00                  115,765.44
        408581380                           7/1/2021                       860.22                 97,000.00                   96,339.55
        408581381                           7/1/2021                     1,046.45                118,000.00                  117,741.56
        408581382                           7/1/2021                     1,511.73                190,000.00                  189,459.46
        408581384                           8/1/2021                       266.55                 31,700.00                   31,636.89
        408581385                           7/1/2021                       245.65                 27,700.00                   27,639.33
        408581386                           7/1/2021                       940.03                106,000.00                  105,767.84
        408581388                           8/1/2021                       724.14                 79,980.00                   79,845.98
        408581390                           7/1/2021                       254.24                 23,000.00                   22,525.07
        408581391                           7/1/2021                       857.56                 96,700.00                   96,485.74
        408581392                           7/1/2021                       371.15                 43,200.00                   43,067.82
        408581393                           8/1/2021                       893.52                104,000.00                  103,803.04
        408581396                           7/1/2021                     1,306.87                140,000.00                  139,731.72
        408581397                           7/1/2021                       771.54                 87,000.00                   86,809.43
        408581398                           7/1/2021                       792.23                 80,000.00                   79,869.70
        408581399                           7/1/2021                     1,046.45                118,000.00                  117,734.43
        408581400                           7/1/2021                       780.23                 87,980.00                   87,787.28
        408581401                           7/1/2021                       283.79                 33,750.00                   33,482.93
        408581402                           8/1/2021                       792.23                 87,500.00                   87,347.49
        408581403                           7/1/2021                        787.7                 87,000.00                   86,819.34
        408581404                           7/1/2021                       315.59                 34,500.00                   34,430.22
        408581405                           8/1/2021                       686.05                 75,000.00                   74,879.23
        408581406                           7/1/2021                     1,131.76                125,000.00                  124,740.39
        408581407                           7/1/2021                     1,073.06                121,000.00                  120,734.96
        408581409                           7/1/2021                       771.54                 87,000.00                   86,809.43
        408581410                           7/1/2021                       813.06                 89,800.00                   89,548.79
        408581413                           7/1/2021                     1,302.52                150,000.00                  149,653.62
        408581414                           7/1/2021                       865.02                104,000.00                  103,733.27
        408581415                           7/1/2021                       773.22                 85,400.00                   85,222.62
        408581416                           7/1/2021                        719.8                 79,500.00                   79,133.15
        408581417                           7/1/2021                       219.03                 23,000.00                   22,831.51
        408581418                           7/1/2021                       214.79                 25,000.00                   24,940.72
        408581420                           8/1/2021                       296.16                 36,000.00                   35,924.50
        408581421                           7/1/2021                       778.65                 86,000.00                   85,645.44
        408581422                           7/1/2021                       147.09                 15,600.00                   15,570.91
        408581423                           7/1/2021                     1,041.22                115,000.00                  114,723.35
        408581424                           7/1/2021                       490.08                 52,500.00                   52,399.38
        408581425                           7/1/2021                       248.73                 28,950.00                   28,881.34
        408581427                           7/1/2021                       276.65                 32,200.00                   32,123.65
        408581429                           7/1/2021                       286.96                 33,400.00                   33,320.80
        408581430                           7/1/2021                       564.91                 71,000.00                   70,740.89
        408581432                           8/1/2021                       826.01                 90,300.00                   90,005.94
        408581433                           7/1/2021                        382.5                 45,000.00                   44,884.56
        408581434                           8/1/2021                       842.78                 91,200.00                   91,056.11
        408581435                           7/1/2021                     1,042.38                112,800.00                  112,577.94
        408581436                           7/1/2021                       796.38                 81,200.00                   81,023.53
        408581437                           7/1/2021                       813.06                 89,800.00                   89,613.49
        408581439                           7/1/2021                       975.12                107,700.00                  107,476.36
        408581440                           8/1/2021                       907.22                100,200.00                  100,034.23
        408581441                           7/1/2021                     1,115.18                129,800.00                  129,315.32
        408581442                           7/1/2021                     1,197.21                135,000.00                  134,704.32
        408581445                           7/1/2021                       883.88                 91,900.00                   91,737.56
        408581447                           7/1/2021                     1,013.69                111,960.00                  111,727.18
        408581448                           8/1/2021                       731.79                 80,000.00                   79,852.95
        408581450                           7/1/2021                     1,305.91                152,000.00                  151,639.64
        408581451                           7/1/2021                     1,000.47                110,500.00                  110,270.52
        408581452                           8/1/2021                       867.38                 95,800.00                   95,641.52
        408581453                           7/1/2021                       903.08                104,000.00                  103,759.84
        408581454                           8/1/2021                       937.11                110,250.00                  110,036.20
        408581455                           8/1/2021                       455.35                 53,000.00                   52,899.89
        408581456                           8/1/2021                     1,213.53                130,000.00                  129,801.56
        408581457                           7/1/2021                     1,325.16                143,400.00                  143,117.69
        408581458                           7/1/2021                       697.16                 77,000.00                   76,837.05
        408581459                           8/1/2021                       666.84                 72,900.00                   72,782.62
        408581460                           7/1/2021                       287.47                 31,750.00                   31,684.05
        408581461                           7/1/2021                       985.54                108,850.00                  108,623.92
        408581464                           7/1/2021                        917.1                 90,000.00                   89,864.98
        408581465                           7/1/2021                       147.86                 16,000.00                   15,955.47
        408581469                           7/1/2021                       758.73                 83,800.00                   83,625.98
        408647999                          11/1/2017                       195.69                 25,450.00                   10,870.26
        408752090                           8/1/2021                     1,040.58                 97,500.00                   97,398.62
        408752091                           7/1/2021                     1,339.79                134,000.00                  133,787.60
        408752094                           8/1/2021                       593.33                 54,600.00                   54,538.91
        408752096                           8/1/2021                       392.24                 41,600.00                   41,538.19
        408752097                           8/1/2021                       536.28                 50,500.00                   50,473.26
        408752098                           8/1/2021                        785.4                 71,000.00                   70,933.98
        408752099                           8/1/2021                     1,041.47                101,250.00                  101,130.34
        408752100                           8/1/2021                       466.74                 50,000.00                   49,923.69
        408752101                           7/1/2021                     1,432.37                133,000.00                  132,830.99
        408752103                           8/1/2021                     1,194.92                110,300.00                  110,299.97
        408752104                           8/1/2021                     1,047.73                105,800.00                  105,662.79
        408752105                           8/1/2021                       576.54                 54,800.00                   54,800.00
        408752107                           8/1/2021                        259.1                 24,500.00                   24,473.81
        408752109                           8/1/2021                        493.2                 48,400.00                   48,342.19
        408752112                           8/1/2026                     1,811.94                177,000.00                  176,157.12
        408752113                           8/1/2021                     1,171.85                115,000.00                  114,862.66
        408752115                           8/1/2021                       765.08                 89,050.00                   88,881.76
        408752116                           8/1/2021                       681.13                 65,000.00                   64,928.55
        408752117                           8/1/2021                       638.22                 59,800.00                   59,737.82
        408752118                           8/1/2021                     1,028.30                 96,350.00                   96,249.82
        408752122                           8/1/2036                       185.46                 18,200.00                   17,649.08
        408752123                           8/1/2021                       697.19                 72,750.00                   72,750.00
        408752125                           8/1/2021                       411.16                 37,500.00                   37,464.14
        408752126                           8/1/2021                       859.41                 93,000.00                   92,854.19
        408770509                           8/1/2021                       281.62                 35,000.00                   34,908.37
        408770511                           5/1/2021                       835.31                 80,190.00                   80,190.00
        408770513                           5/1/2036                       715.06                 66,396.00                   66,276.64
        408770514                           8/1/2021                       958.34                121,818.00                  120,569.26
        408770515                           8/1/2021                     1,261.97                128,672.00                  128,500.51
        408770516                           8/1/2021                       499.88                 64,269.00                   64,115.57
        408770520                           8/1/2021                       859.42                 88,714.00                   88,712.83
        408770521                           8/1/2021                       741.16                 74,843.00                   74,745.96
        408770522                           4/1/2021                       798.56                 74,824.00                   74,434.89
        408770523                           6/1/2021                       742.03                 76,399.00                   76,240.59
        408770525                           8/1/2021                       649.99                 67,096.00                   67,096.00
        408770527                           6/1/2036                       638.51                 60,375.00                   60,268.00
        408770529                           6/1/2021                       665.42                 60,840.00                   60,838.40
        408770530                           8/1/2021                       905.64                 79,751.00                   79,682.88
        408770531                           8/1/2021                       696.81                 73,901.00                   73,791.18
        408770532                           8/1/2021                       243.09                 31,254.00                   31,179.40
        408770533                           8/1/2021                       681.42                 74,337.00                   74,337.00
        408770534                           6/1/2036                       925.84                 85,198.00                   85,042.53
        408770536                           8/1/2021                       628.24                 64,683.00                   64,250.12
        408770540                           6/1/2021                       356.65                 35,000.00                   34,907.83
        408770541                           6/1/2021                       469.56                 52,400.00                   52,264.83
        408770542                           7/1/2021                        354.3                 45,036.00                   44,904.54
        408770545                           8/1/2021                       407.94                 46,000.00                   45,919.74
        408770546                           8/1/2021                       749.82                 69,000.00                   68,932.16
        408770549                           7/1/2021                       762.74                 72,000.00                   71,096.74
        408770552                           8/1/2021                        393.3                 54,898.00                   54,714.43
        408770553                           8/1/2036                       844.06                 88,632.00                   88,503.85
        408770554                           8/1/2021                       415.73                 40,798.00                   40,749.28
        408770556                           8/1/2021                       728.72                 64,171.00                   64,116.17
        408770557                           8/1/2021                       726.97                 69,118.00                   68,419.30
        408771626                           8/1/2021                       633.62                 67,200.00                   67,069.62
        408771627                           8/1/2036                     1,502.28                169,400.00                  169,104.42
        408771628                           8/1/2021                       509.92                 51,000.00                   50,935.64
        408771629                           8/1/2021                       775.83                106,400.00                  106,400.00
        408771630                           8/1/2021                     1,053.17                125,250.00                  125,000.62
        408771631                           8/1/2036                       460.42                 65,000.00                   65,000.00
        408771632                           8/1/2021                        212.5                 25,000.00                   24,951.50
        408771633                           8/1/2021                       657.92                 79,950.00                   79,945.81
        408771635                           8/1/2021                     1,663.50                200,000.00                  199,591.24
        408771636                           8/1/2021                       966.34                119,000.00                  118,866.16
        408771637                           7/1/2026                       413.87                 46,000.00                   45,650.42
        408771638                           8/1/2036                       517.49                 56,000.00                   55,912.20
        408771640                           8/1/2021                     1,903.19                192,200.00                  191,950.70
        408771641                           7/1/2021                       276.12                 35,500.00                   35,393.67
        408771642                           8/1/2021                       195.31                 25,000.00                   24,999.99
        408771643                           8/1/2036                       745.81                 91,800.00                   91,771.72
        408771644                           8/1/2036                        560.6                 65,250.00                   65,116.74
        408771645                           8/1/2021                       267.56                 29,250.00                   29,202.89
        408771646                           8/1/2021                       638.08                 80,600.00                   80,600.00
        408771647                           8/1/2021                     1,322.23                131,000.00                  130,839.13
        408771648                           8/1/2021                       344.86                 43,000.00                   43,000.00
        408771650                           8/1/2021                        499.3                 62,250.00                   62,250.00
        408771651                           8/1/2021                        712.5                 90,000.00                   89,987.50
        408771652                           8/1/2036                          459                 58,350.00                   58,173.63
        408771653                           8/1/2036                       113.12                 13,600.00                   13,572.20
        408771654                           8/1/2026                        634.7                 60,000.00                   59,732.42
        408771657                           8/1/2021                       482.48                 59,300.00                   59,172.34
        408771658                           8/1/2021                       333.48                 38,000.00                   37,931.91
        408771659                           8/1/2036                       567.82                 59,625.00                   59,538.78
        408771661                           9/1/2036                       781.51                 90,000.00                   89,876.34
        408771662                           8/1/2021                       824.93                 95,000.00                   94,825.22
        408771663                           8/1/2021                     1,127.50                123,000.00                  123,000.00
        408771664                           8/1/2021                        937.5                100,000.00                  100,000.00
        408771666                           8/1/2021                       233.34                 29,000.00                   28,924.22
        408785807                           8/1/2021                       144.01                 14,000.00                   13,983.72
        408785808                           8/1/2021                       535.98                 58,000.00                   57,909.04
        408785809                           8/1/2021                     1,190.40                125,000.00                  124,813.26
        408785812                           8/1/2031                       276.23                 31,950.00                   31,950.00
        408785816                           8/1/2021                     1,016.51                110,000.00                  109,827.52
        408785818                           8/1/2021                       199.09                 22,450.00                   22,410.84
        408785819                           8/1/2021                       372.79                 34,000.00                   33,967.49
        408785820                           8/1/2021                       252.04                 29,025.00                   28,971.58
        408785821                           8/1/2021                       866.19                 79,000.00                   78,880.66
        408785822                           8/1/2021                     1,311.38                124,000.00                  121,224.08
        408785823                           8/1/2031                          315                 32,000.00                   31,746.67
        408785824                           8/1/2021                       409.08                 52,000.00                   51,879.04
        408785826                           8/1/2031                       600.89                 69,500.00                   69,499.89
        408785828                           8/1/2021                        93.82                 10,920.00                   10,899.37
        408785829                           8/1/2021                       212.04                 19,000.00                   18,982.81
        408785830                           8/1/2021                     1,364.26                129,000.00                  128,862.09
        408785831                           8/1/2021                       225.77                 26,000.00                   25,952.16
        408785833                           8/1/2031                       247.27                 28,600.00                   28,600.00
        408785835                           8/1/2021                       309.54                 39,798.00                   39,703.02
        408785836                           8/1/2021                       656.36                 60,400.00                   60,340.62
        408785837                           8/1/2021                       243.14                 28,000.00                   27,718.21
        408785839                           8/1/2031                       701.46                 74,000.00                   74,000.00
        408785842                           8/1/2021                       211.28                 19,978.00                   19,956.64
        408785843                           8/1/2021                     1,944.47                250,000.00                  249,235.44
        408785844                           8/1/2021                       566.62                 60,700.00                   60,607.37
        408785845                           8/1/2021                       146.39                 14,100.00                   14,084.08
        408785846                           8/1/2031                        539.5                 62,400.00                   62,400.00
        408785847                           8/1/2031                       227.54                 25,400.00                   25,400.00
        408785848                           8/1/2021                       286.56                 27,600.00                   27,282.24
        408785850                           8/1/2021                     1,576.68                143,800.00                  143,662.49
        408785851                           8/1/2031                       666.36                 65,950.00                   65,948.72
        408785852                           8/1/2021                       566.91                 64,600.00                   64,484.26
        408785853                           8/1/2031                       177.24                 20,500.00                   20,500.00
        408785854                           8/1/2021                       672.08                 75,000.00                   74,866.46
        408785855                           8/1/2021                       212.04                 19,000.00                   18,980.78
        408785856                           8/1/2021                       339.65                 38,300.00                   38,233.20
        408785857                           8/1/2021                       136.08                 12,750.00                   12,479.70
        408785858                           8/1/2021                       132.14                 14,900.00                   14,873.98
        408785859                           8/1/2021                       990.63                103,000.00                  102,855.06
        408785860                           8/1/2021                     1,045.36                 94,500.00                   94,412.15
        408785861                           8/1/2021                       187.82                 21,630.00                   21,590.22
        408785863                           8/1/2021                       369.94                 37,000.00                   36,953.32
        408785865                           8/1/2021                       202.57                 21,700.00                   21,666.86
        408785866                           8/1/2021                       202.64                 18,000.00                   17,984.18
        408785867                           8/1/2021                       345.76                 39,400.00                   39,309.33
        408785869                           8/1/2031                       473.96                 50,000.00                   50,000.00
        408785870                           8/1/2021                       114.21                 11,000.00                   10,987.55
        408785871                           8/1/2021                        133.7                 15,900.00                   15,735.20
        408785873                           8/1/2021                       842.47                 96,000.00                   95,827.99
        408785874                           8/1/2021                       370.05                 33,750.00                   33,717.72
        408785875                           8/1/2021                       314.82                 35,500.00                   35,437.88
        408785876                           8/1/2021                        76.01                 10,000.00                    9,801.88
        408785877                           8/1/2031                       400.78                 42,750.00                   42,750.00
        408785878                           8/1/2021                       319.61                 30,500.00                   30,466.46
        408785879                           8/1/2021                       192.36                 20,000.00                   19,955.19
        408785880                           8/1/2021                       756.54                 69,000.00                   68,716.73
        408785882                           8/1/2021                       784.09                 87,500.00                   87,351.34
        408785883                           8/1/2031                       394.83                 41,200.00                   41,200.00
        408785884                           8/1/2021                       136.08                 12,750.00                   12,479.70
        408785885                           8/1/2021                       251.42                 29,900.00                   29,840.45
        408785886                           8/1/2021                       357.63                 38,700.00                   38,639.30
        408785887                           8/1/2021                        258.4                 30,400.00                   30,341.03
        408785889                           8/1/2021                       189.82                 22,822.00                   22,727.99
        408785890                           8/1/2021                       325.63                 42,350.00                   42,246.30
        408785891                           8/1/2021                     1,751.32                183,900.00                  183,634.09
        408785893                           8/1/2021                       407.55                 44,102.00                   44,032.84
        408785894                           8/1/2021                           85                 10,000.00                    9,980.60
        408785897                           8/1/2021                     1,390.52                150,000.00                  148,170.86
        408785898                           8/1/2021                       151.09                 17,400.00                   17,368.00
        408785899                           8/1/2021                       430.43                 51,750.00                   51,643.67
        408785900                           8/1/2031                       515.38                 54,400.00                   54,310.09
        408785902                           8/1/2021                       433.63                 54,500.00                   54,376.41
        408785903                           8/1/2031                       596.76                 55,620.00                   55,620.00
        408785904                           8/1/2021                       262.94                 29,650.00                   29,598.28
        408785906                           8/1/2021                       136.08                 12,750.00                   12,479.70
        408785908                           8/1/2021                       599.84                 51,000.00                   50,570.21
        408785910                           8/1/2021                     1,269.55                132,000.00                  131,814.24
        408785911                           8/1/2021                       117.32                 11,300.00                   11,287.24
        408785912                           8/1/2021                       688.56                 62,800.00                   62,739.96
        408785913                           8/1/2021                       250.46                 25,050.00                   25,009.27
        408785914                           8/1/2021                       264.75                 25,500.00                   25,471.19
        408785915                           8/1/2021                       190.45                 22,650.00                   22,604.92
        408785917                           8/1/2021                       339.62                 38,700.00                   38,630.66
        408785919                           8/1/2021                        183.4                 18,700.00                   18,674.99
        408785921                           8/1/2021                     1,874.47                241,000.00                  239,997.55
        408785923                           8/1/2021                       361.98                 39,980.00                   39,913.87
        408785924                           8/1/2021                     1,014.66                109,800.00                  109,627.84
        408785925                           8/1/2021                       439.07                 47,513.00                   47,438.50
        408785928                           8/1/2031                       468.26                 60,000.00                   59,873.53
        408785929                           8/1/2021                       766.55                 83,800.00                   83,665.04
        408785930                           8/1/2021                       484.11                 59,500.00                   59,323.87
        408785934                           8/1/2031                       401.59                 54,300.00                   54,283.18
        408785935                           8/1/2021                       153.87                 14,820.00                   14,803.24
        408785936                           8/1/2021                     1,014.36                 97,700.00                   97,566.83
        408785937                           8/1/2021                       286.56                 33,000.00                   32,912.27
        408785938                           8/1/2021                       141.89                 16,000.00                   15,972.08
        408785940                           8/1/2021                     1,659.30                150,000.00                  149,860.55
        408785941                           8/1/2021                       384.62                 39,600.00                   39,442.93
        408785942                           8/1/2031                       748.62                 80,000.00                   79,802.94
        408785943                           8/1/2031                       387.92                 49,000.00                   49,000.00
        408785944                           8/1/2021                       840.85                100,000.00                   99,800.92
        408785945                           8/1/2031                       953.91                123,750.00                  123,750.00
        408785946                           8/1/2021                        202.2                 22,800.00                   22,760.20
        408785947                           8/1/2031                       708.33                 80,000.00                   79,997.98
        408785948                           8/1/2021                       174.64                 19,900.00                   19,864.33
        408785950                           8/1/2021                        130.9                 15,400.00                   15,370.12
        408785951                           8/1/2031                     1,146.67                128,000.00                  128,000.00
        408785952                           8/1/2021                       590.44                 62,000.00                   61,910.35
        408785953                           8/1/2021                       298.95                 38,000.00                   37,911.56
        408785954                           8/1/2021                       470.57                 47,980.00                   47,916.06
        408785955                           8/1/2021                       114.21                 11,000.00                   10,987.55
        408785959                           8/1/2021                       184.05                 17,250.00                   17,063.58
        408785960                           8/1/2021                     1,476.32                152,000.00                  151,791.81
        408785961                           8/1/2021                       446.76                 52,000.00                   51,901.76
        408785962                           8/1/2021                       367.79                 37,500.00                   37,450.00
        408785963                           8/1/2031                        263.4                 27,000.00                   26,850.10
        408785965                           8/1/2021                       188.18                 21,000.00                   20,964.33
        408785967                           8/1/2021                       259.61                 33,000.00                   32,923.24
        408785968                           8/1/2021                        337.3                 41,000.00                   40,913.98
        408785969                           8/1/2031                       688.21                 79,600.00                   79,600.00
        408785971                           8/1/2031                       729.17                100,000.00                  100,000.00
        408785972                           8/1/2021                     1,681.71                200,000.00                  199,601.79
        408785973                           8/1/2021                       118.29                 13,200.00                   13,177.55
        408785974                           8/1/2021                       446.33                 51,400.00                   51,305.44
        408785975                           8/1/2021                       664.69                 78,200.00                   78,048.35
        408785976                           8/1/2021                       278.37                 32,750.00                   32,642.71
        408785977                           8/1/2021                       575.15                 74,800.00                   74,616.79
        408785978                           8/1/2021                        90.51                 10,100.00                   10,082.82
        408785979                           8/1/2021                       239.96                 24,000.00                   23,960.04
        408785980                           8/1/2021                       518.37                 69,000.00                   68,713.29
        408785981                           8/1/2021                        78.67                 10,000.00                    9,976.40
        408785982                           8/1/2031                       232.38                 28,600.00                   28,600.00
        408785983                           8/1/2031                       301.24                 35,900.00                   35,502.91
        408785985                           8/1/2031                       902.54                100,750.00                  100,749.10
        408785986                           8/1/2021                       403.67                 51,900.00                   51,776.12
        408785987                           8/1/2021                       213.48                 25,950.00                   25,895.58
        408785988                           8/1/2021                        96.78                 10,800.00                   10,781.64
        408803655                           8/1/2021                       573.91                 69,000.00                   68,858.97
        408803656                           8/1/2021                       667.76                 73,000.00                   72,796.93
        408803657                           8/1/2021                       728.38                 83,000.00                   82,851.30
        408803660                           8/1/2021                     1,722.27                184,500.00                  184,218.41
        408803662                           8/1/2021                     1,441.59                156,000.00                  155,755.42
        408803665                           8/1/2021                     2,404.35                245,150.00                  244,823.26
        408803666                           8/1/2021                       477.59                 55,000.00                   54,898.81
        408803668                           8/1/2021                       613.63                 78,000.00                   77,818.50
        408803675                           8/1/2021                       548.06                 76,500.00                   76,281.90
        408803676                           8/1/2021                     2,050.00                240,000.00                  240,000.00
        408803679                           8/1/2021                     1,332.05                153,400.00                  153,117.75
        408803683                           8/1/2021                        292.3                 31,000.00                   30,953.93
        408803684                           8/1/2021                       387.58                 52,200.00                   52,062.04
        408803689                           8/1/2021                     1,680.27                180,000.00                  179,725.25
        408803690                           8/1/2021                       771.86                 92,800.00                   92,610.34
        408803691                           8/1/2021                     1,143.52                139,000.00                  138,196.76
        408803696                           8/1/2021                       633.89                 73,000.00                   70,730.24
        408835049                           5/1/2021                       292.72                 32,000.00                   31,908.59
        408835051                           7/1/2021                     1,866.96                200,000.00                  199,616.72
        408835052                           9/1/2021                     1,920.95                210,000.00                  209,747.45
        408835053                           8/1/2036                       184.34                 23,700.00                   23,643.40
        408835057                           4/1/2021                       411.26                 38,000.00                   37,253.15
        408835059                           6/1/2021                       426.45                 53,000.00                   52,734.50
        408835062                           7/1/2021                       186.33                 20,800.00                   20,800.00
        408835064                           7/1/2021                     2,132.50                243,000.00                  242,453.46
        408835065                           8/1/2021                       116.45                 15,500.00                   15,452.91
        408835067                           7/1/2021                     1,344.67                147,000.00                  146,702.74
        408835070                           6/1/2021                       404.56                 53,850.00                   53,640.37
        408835071                           7/1/2021                     1,773.65                200,000.00                  199,021.12
        408835072                           7/1/2021                       537.31                 75,000.00                   74,330.59
        408835074                           7/1/2036                       466.99                 45,400.00                   45,300.73
        408852858                           7/1/2021                       798.72                 73,500.00                   73,409.18
        408852862                           8/1/2021                       554.91                 55,500.00                   55,429.98
        408861325                           6/1/2021                       138.07                 15,250.00                   15,211.86
        408861328                           6/1/2021                       242.65                 25,500.00                   25,444.05
        408861330                           7/1/2021                       603.29                 63,400.00                   63,283.22
        408861333                           7/1/2021                       403.34                 46,000.00                   45,896.34
        408861336                           7/1/2021                     1,033.23                 98,600.00                   98,463.81
        408861338                           7/1/2021                       268.41                 24,700.00                   24,669.50
        408862727                           8/1/2021                       211.98                 21,000.00                   20,974.21
        408862730                           8/1/2021                     1,292.36                120,000.00                  118,562.09
        408862733                           8/1/2021                       660.02                 70,000.00                   69,896.02
        408862734                           8/1/2021                       703.89                 84,628.00                   84,419.04
        408862735                           8/1/2021                       604.07                 56,600.00                   56,510.62
        408862737                           8/1/2021                       243.68                 23,690.00                   23,662.46
        408862739                           8/1/2021                       188.52                 17,990.00                   17,970.22
        408862742                           8/1/2021                       915.06                 89,800.00                   89,692.76
        408862743                           8/1/2021                       516.23                 54,750.00                   54,668.67
        408862746                           8/1/2021                     1,367.19                145,000.00                  144,784.58
        408862751                           8/1/2021                       915.06                 89,800.00                   89,647.01
        408862755                           8/1/2021                       828.75                 90,600.00                   90,454.11
        408862763                           9/1/2021                       696.34                 71,000.00                   70,929.37
        408862764                           8/1/2021                       519.95                 55,700.00                   55,614.98
        408862765                           8/1/2021                       641.96                 70,180.00                   70,052.79
        408862767                           8/1/2021                     1,384.05                142,500.00                  142,288.73
        408862769                           8/1/2036                       830.71                 91,750.00                   91,513.71
        408862772                           8/1/2021                       730.97                 65,500.00                   65,440.79
        408862773                           8/1/2021                       839.27                 91,750.00                   91,305.91
        408862776                           8/1/2021                       289.27                 26,150.00                   26,125.70
        408862786                           8/1/2021                       817.74                 99,400.00                   99,191.48
        408862788                           8/1/2021                       423.03                 40,000.00                   39,957.22
        408862789                           8/1/2021                       813.06                 89,800.00                   89,651.44
        408862791                           8/1/2021                       788.53                 98,000.00                   97,783.46
        408862792                           8/1/2021                       420.53                 44,600.00                   44,533.74
        408862794                           8/1/2021                       876.32                 95,800.00                   95,645.71
        408862795                           8/1/2021                        434.5                 54,000.00                   53,880.67
        408862796                           8/1/2021                       472.34                 50,600.00                   50,522.78
        408862799                           9/1/2021                       929.33                 91,200.00                   91,118.71
        408869588                           6/1/2021                       694.68                 80,000.00                   79,777.37
        408869590                           6/1/2021                       403.25                 45,000.00                   44,867.41
        408869593                           8/1/2021                       401.25                 57,386.00                   55,816.57
        408869606                           8/1/2036                       313.64                 33,940.00                   33,886.78
        408869609                           8/1/2021                       311.46                 34,400.00                   34,343.10
        408869612                           8/1/2021                        473.3                 63,000.00                   62,837.64
        408869613                           8/1/2021                        402.6                 50,600.00                   50,485.26
        408869616                           8/1/2021                       547.25                 72,000.00                   71,819.12
        408869618                           8/1/2036                       207.03                 29,250.00                   28,360.73
        408869619                           8/1/2021                       372.32                 51,350.00                   51,207.25
        408869621                           8/1/2021                       396.84                 45,700.00                   45,601.63
        408869622                           8/1/2021                       398.55                 57,000.00                   56,829.21
        408869623                           8/1/2021                       612.56                 82,500.00                   79,696.26
        408869624                           8/1/2021                       977.99                147,000.00                  146,447.78
        408869625                           8/1/2021                       162.97                 23,025.00                   22,957.69
        408869629                           8/1/2021                       172.79                 23,000.00                   22,422.35
        408869632                           9/1/2021                       218.01                 26,500.00                   26,458.46
        408869633                           8/1/2021                        735.7                109,200.00                  108,847.58
        408869634                           8/1/2036                       623.85                 68,200.00                   66,948.46
        408869635                           8/1/2036                       296.03                 38,500.00                   38,393.70
        408869641                           8/1/2021                       140.61                 18,500.00                   18,453.52
        408869643                           8/1/2021                       151.39                 19,027.00                   18,983.84
        408869647                           8/1/2021                       618.36                 67,600.00                   67,491.14
        408869648                           8/1/2021                          259                 37,500.00                   37,384.82
        408869652                           8/1/2021                       605.42                 72,000.00                   71,856.63
        408869653                           8/1/2021                       340.75                 44,316.00                   44,207.21
        408869654                           8/1/2021                       333.71                 44,420.00                   44,305.54
        408869656                           8/1/2021                       489.55                 50,900.00                   50,828.36
        408869657                           8/1/2021                       120.14                 15,100.00                   15,065.77
        408869658                           8/1/2021                       398.38                 44,000.00                   43,927.21
        408869659                           8/1/2021                       287.54                 36,550.00                   36,464.96
        408869662                           8/1/2021                       538.15                 64,000.00                   63,872.57
        408869663                           9/1/2021                       564.97                 62,400.00                   62,322.93
        408869666                           8/1/2021                       488.69                 66,600.00                   66,419.44
        408869667                           8/1/2021                       374.59                 40,950.00                   40,884.03
        408869668                           8/1/2021                       615.66                 81,000.00                   80,796.49
        408869670                           8/1/2021                       614.47                 71,520.00                   71,354.65
        408869672                           8/1/2021                       314.65                 45,000.00                   44,531.47
        408869674                           8/1/2021                       681.57                 94,000.00                   93,738.66
        408869675                           8/1/2021                       309.99                 38,100.00                   38,017.98
        408869678                           8/1/2021                       904.12                101,950.00                  101,772.09
        408869680                           9/1/2021                       217.52                 30,000.00                   29,937.66
        408869681                           8/1/2021                     1,201.33                130,000.00                   70,476.88
        408869683                           8/1/2021                       587.01                 80,000.00                   79,783.14
        408869687                           8/1/2021                       584.37                 76,000.00                   75,813.89
        408869689                           9/1/2036                       355.59                 45,200.00                   45,121.40
        408869691                           8/1/2021                       538.15                 64,000.00                   63,872.57
        408869692                           8/1/2021                       499.98                 61,450.00                   61,317.69
        408869697                           8/1/2021                       412.02                 49,000.00                   48,902.44
        408869698                           8/1/2021                       417.51                 45,180.00                   44,704.70
        408869699                           9/1/2021                       109.25                 15,250.00                   15,217.51
        408871397                           4/1/2021                     1,424.78                141,150.00                  140,568.12
        408871398                           8/1/2021                       694.49                 74,398.00                   74,284.45
        408871399                           8/1/2021                       236.19                 25,000.00                   24,947.63
        408871400                           8/1/2021                       447.27                 43,000.00                   42,497.32
        408871401                           8/1/2021                          389                 42,010.00                   41,944.49
        408871402                           8/1/2021                       959.95                 95,100.00                   94,983.25
        408871403                           8/1/2021                       908.47                 90,000.00                   89,889.50
        408871405                           7/1/2021                       654.78                 71,000.00                   70,858.57
        408871406                           7/1/2021                       400.23                 39,500.00                   39,439.76
        408871408                           8/1/2021                       644.91                 62,000.00                   61,930.31
        408871409                           8/1/2021                          612                 62,400.00                   61,983.10
        408871410                           8/1/2021                       717.19                 71,050.00                   70,962.77
        408871411                           8/1/2021                       362.08                 45,000.00                   44,900.57
        408871412                           8/1/2021                       912.54                 87,730.00                   87,585.34
        408871414                           8/1/2021                     1,712.81                182,750.00                  182,474.07
        408871415                           8/1/2021                       944.49                102,000.00                  101,337.39
        408871417                           8/1/2021                     1,769.04                188,750.00                  188,465.03
        408877540                           8/1/2021                       497.79                 45,000.00                   44,958.17
        408896711                           8/1/2021                        449.8                 47,800.00                   47,728.60
        408904527                           8/1/2021                     1,138.84                115,000.00                  114,850.85
        408904532                           8/1/2021                       908.34                 99,300.00                   99,140.06
        408904537                           8/1/2021                        589.5                 58,400.00                   58,328.29
        408904539                           8/1/2021                       868.14                 93,000.00                   92,858.04
        408904541                           8/1/2021                       795.82                 87,000.00                   86,859.71
        408904544                           8/1/2021                       896.44                 98,000.00                   97,842.19
        408904545                           9/1/2021                       771.46                 75,000.00                   74,826.03
        408940757                           8/1/2021                       250.11                 30,739.00                   30,672.79
        408940758                           9/1/2021                       338.75                 35,998.00                   35,957.83
        408940759                           9/1/2021                       615.68                 68,000.00                   67,915.99
        408940760                           8/1/2036                       333.13                 39,000.00                   39,000.00
        408940762                           8/1/2021                       305.85                 32,180.00                   32,133.06
        408940763                           8/1/2021                       442.86                 51,000.00                   50,906.16
        408940764                           9/1/2021                       322.16                 30,800.00                   30,774.59
        408940765                           8/1/2021                       237.59                 23,098.00                   23,071.16
        408940766                           8/1/2021                       170.64                 21,690.00                   21,639.52
        408940769                           8/1/2021                       557.87                 51,800.00                   51,747.62
        408940770                           8/1/2036                       270.71                 29,000.00                   28,836.99
        408940774                           9/1/2021                       533.45                 51,000.00                   50,957.91
        408940775                           9/1/2021                       391.19                 35,998.00                   35,971.59
        408940776                           9/1/2021                       294.39                 37,000.00                   36,937.31
        408940777                           8/1/2021                       315.34                 34,900.00                   34,841.94
        408940779                           8/1/2021                        342.9                 34,035.00                   33,992.99
        408940782                           8/1/2021                       336.88                 31,000.00                   30,619.01
        408940783                           9/1/2021                       864.52                 85,000.00                   84,923.83
        408940784                           8/1/2021                       195.33                 26,000.00                   25,933.00
        408940785                           9/1/2021                       414.85                 42,298.00                   42,255.91
        408949239                           5/1/2021                       891.65                 88,000.00                   87,810.24
        408949242                           7/1/2026                       242.67                 24,600.00                   24,559.52
        408949244                           8/1/2026                       147.21                 17,800.00                   17,362.14
        408949245                           8/1/2026                       794.61                 78,720.00                   78,623.35
        408949246                           8/1/2026                       239.05                 22,480.00                   22,456.36
        408949247                           8/1/2026                       806.03                 86,000.00                   85,820.81
        408949248                           7/1/2026                       242.67                 24,600.00                   24,529.77
        408949249                           8/1/2026                       249.31                 26,600.00                   26,559.82
        408949250                           7/1/2026                       563.14                 57,980.00                   57,880.26
        408949252                           7/1/2026                       373.24                 42,000.00                   41,908.51
        408949253                           7/1/2026                       372.96                 38,250.00                   38,184.93
        408949254                           8/1/2026                       297.62                 27,000.00                   26,974.62
        408949256                           8/1/2026                       753.72                 77,000.00                   76,896.83
        408949257                           8/1/2021                       625.76                 52,000.00                   51,579.35
        408949258                           7/1/2026                        388.9                 41,000.00                   40,924.77
        408949259                           7/1/2026                       445.83                 44,000.00                   43,930.97
        408949260                           8/1/2026                     1,041.61                102,800.00                  102,674.81
        408949261                           8/1/2026                       903.54                100,000.00                   99,797.10
        408949262                           8/1/2026                       274.09                 24,200.00                   24,106.51
        408949263                           7/1/2026                       211.17                 21,000.00                   20,857.13
        408949264                           8/1/2026                          141                 16,000.00                   15,971.64
        408949265                           7/1/2026                       439.09                 44,000.00                   43,918.76
        408949267                           8/1/2026                     1,265.19                123,000.00                  122,857.11
        408949268                           8/1/2026                       800.99                 75,600.00                   75,519.61
        408949269                           8/1/2026                       925.75                 90,000.00                   88,906.33
        408949270                           8/1/2026                       420.97                 37,400.00                   37,252.61
        408949271                           8/1/2026                       746.33                 80,600.00                   78,487.85
        408949273                           8/1/2026                       651.62                 64,800.00                   64,716.14
        408949274                           7/1/2026                       279.57                 27,200.00                   27,160.24
        408949275                           7/1/2026                       302.65                 31,160.00                   31,106.39
        408949276                           8/1/2026                     1,250.21                118,000.00                  117,874.56
        408949277                           8/1/2026                       269.53                 26,500.00                   26,422.41
        408949279                           8/1/2026                       356.49                 32,000.00                   31,970.91
        408949280                           7/1/2026                       908.29                 82,400.00                   82,302.64
        408949281                           7/7/2026                       232.26                 25,600.00                   25,534.57
        408949285                           8/1/2026                       710.16                 62,000.00                   61,948.50
        408949286                           8/1/2026                       940.63                 86,250.00                   86,166.15
        408949288                           8/1/2026                       752.64                 74,000.00                   73,911.14
        408949289                           8/1/2026                       878.15                 96,000.00                   95,779.27
        408949291                           8/1/2026                       318.86                 33,750.00                   33,683.54
        408949292                           8/1/2026                       828.96                 78,816.00                   78,687.58
        408949294                           8/1/2026                       370.05                 38,400.00                   38,343.35
        408949295                           8/1/2026                       422.34                 42,000.00                   41,947.88
        408949296                           8/1/2026                       326.69                 32,000.00                   31,962.01
        408949297                           8/1/2026                       824.68                 73,000.00                   72,936.57
        408949298                           8/1/2026                       152.85                 17,200.00                   17,170.15
        408949299                           8/1/2026                     1,011.12                 93,380.00                   93,287.15
        408949300                           8/1/2026                       238.64                 23,200.00                   23,152.42
        408949301                           8/1/2026                       432.02                 42,000.00                   41,951.20
        408949302                           8/1/2026                       479.39                 46,780.00                   46,725.03
        408949303                           8/1/2026                     1,359.35                148,000.00                  147,764.19
        408949304                           9/1/2026                       965.52                 91,800.00                   91,724.55
        408949306                           8/1/2026                       521.03                 63,000.00                   62,869.47
        408949307                           8/1/2026                       687.94                 73,400.00                   73,289.16
        408949308                           8/1/2026                     1,243.39                106,000.00                  105,856.56
        408949309                           8/1/2026                       782.65                 73,600.00                   73,514.74
        408949310                           8/1/2026                       368.15                 34,000.00                   33,966.21
        408949311                           8/1/2026                       490.12                 46,600.00                   46,549.34
        408949312                           9/1/2026                       473.06                 40,740.00                   40,715.89
        408949317                           8/1/2026                       445.38                 45,500.00                   45,439.03
        408949318                           8/1/2026                       206.52                 21,600.00                   21,569.10
        408949319                           9/1/2026                       880.23                 84,000.00                   83,931.11
        408949320                           8/1/2026                       368.92                 36,000.00                   35,938.89
        408949321                           8/1/2026                       409.15                 41,000.00                   40,947.98
        408949323                           8/1/2026                       237.55                 26,400.00                   26,355.64
        408949324                           8/1/2026                       325.45                 30,605.00                   30,572.81
        408949326                           8/1/2026                       420.98                 40,174.00                   40,108.38
        408949327                           8/1/2026                       328.59                 35,200.00                   35,146.24
        408949329                           9/1/2026                          373                 33,600.00                   33,576.95
        408949330                           9/1/2026                       462.57                 43,980.00                   43,944.31
        408949332                           9/1/2026                       191.86                 19,600.00                   19,580.38
        408955338                           8/1/2036                     1,388.64                135,001.00                  134,844.14
        408955345                           8/1/2021                       366.88                 38,910.00                   38,852.18
        408955350                           8/1/2021                       473.16                 46,000.00                   45,918.86
        408955352                           8/1/2021                       441.67                 61,650.00                   61,474.26
        408955353                           8/1/2021                     1,098.46                112,000.00                  111,850.73
        408955355                           8/1/2021                       609.49                 64,000.00                   63,907.45
        408955357                           8/1/2021                       472.13                 45,900.00                   45,846.69
        408955358                           8/1/2021                     1,008.04                 98,000.00                   97,886.15
        408955359                           8/1/2021                       884.61                 86,000.00                   85,900.07
        408955360                           8/1/2021                       476.83                 51,600.00                   51,519.12
        408955362                           8/1/2021                       303.31                 33,500.00                   31,424.68
        408955363                           8/1/2021                       505.18                 58,800.00                   58,688.94
        408955364                           8/1/2021                       680.94                 66,200.00                   66,123.10
        408955365                           8/1/2021                     1,346.84                150,300.00                  150,044.63
        408955368                           8/1/2021                     1,216.34                120,500.00                  120,012.48
        408955369                           8/1/2036                       559.13                 63,900.00                   63,885.00
        408955370                           8/1/2021                       325.45                 40,000.00                   39,913.89
        408955371                           8/1/2021                       531.92                 52,200.00                   52,137.65
        408955372                           8/1/2021                       707.17                 75,000.00                   74,888.57
        408955373                           8/1/2021                       477.28                 46,400.00                   46,336.21
        408955375                           8/1/2036                       970.49                 98,000.00                   97,872.90
        408955376                           8/1/2021                       148.99                 16,800.00                   16,770.68
        408955378                           8/1/2021                       802.32                 78,000.00                   77,909.37
        408955379                           8/1/2021                       593.64                 70,600.00                   70,459.45
        408955382                           8/1/2021                       784.63                 77,000.00                   76,786.86
        408955383                           8/1/2021                       983.88                 92,600.00                   92,600.00
        408955384                           8/1/2036                       491.44                 56,000.00                   55,899.66
        408978568                          3/28/2021                       674.81                 56,990.00                   56,903.31
        408978580                           3/1/2021                       384.97                 32,492.00                   32,416.68
        408978581                           3/1/2021                       418.96                 37,900.00                   37,801.69
        408978582                           4/1/2021                       156.41                 19,440.00                   19,352.71
        408978584                          3/13/2021                       915.71                 85,800.00                   85,617.78
        408978591                           3/1/2021                       328.91                 32,000.00                   31,891.80
        408978595                           4/1/2021                       634.83                 72,400.00                   72,133.14
        408978599                           5/1/2021                        801.3                 82,500.00                   82,299.40
        408978600                           4/1/2021                       713.01                 72,000.00                   71,804.58
        408978605                           4/1/2021                       364.79                 33,000.00                   32,917.66
        408978615                           4/1/2021                       242.74                 20,500.00                   20,468.80
        408978617                           4/1/2021                     1,028.70                 94,500.00                   94,311.10
        408978618                           4/1/2021                       441.23                 54,885.00                   54,638.21
        408978619                           4/1/2021                       397.96                 36,000.00                   35,931.36
        408978623                           4/1/2021                       303.72                 25,650.00                   25,610.97
        408978624                           4/1/2021                     1,603.44                156,000.00                  155,629.31
        408978625                           4/1/2021                       411.83                 40,067.00                   39,971.61
        408978628                           4/1/2021                       337.81                 32,000.00                   31,929.49
        408978629                          3/17/2021                        907.9                 95,410.00                   95,128.27
        408978632                           4/1/2021                       273.41                 26,600.00                   26,536.78
        408978634                           4/1/2021                       530.61                 48,000.00                   47,898.07
        408978635                           5/1/2021                       405.37                 42,600.00                   42,485.39
        408978637                           4/1/2021                       514.96                 52,000.00                   51,862.41
        408978643                           5/1/2021                       185.14                 18,000.00                   17,961.09
        408978648                           4/1/2021                       295.51                 28,200.00                   28,136.70
        408978650                           5/1/2021                     1,131.96                134,620.00                  134,145.32
        408978651                           4/1/2021                       925.06                 90,000.00                   89,786.14
        408978652                           4/1/2021                       447.93                 42,000.00                   41,910.55
        408978653                           4/1/2021                       403.45                 38,500.00                   38,413.53
        408978657                           3/1/2021                       418.34                 40,700.00                   40,590.59
        408978666                           5/1/2021                       861.97                 91,600.00                   91,357.21
        408978669                           4/1/2021                       422.96                 48,200.00                   48,024.28
        408978670                           4/1/2021                       374.13                 44,980.00                   44,523.72
        408978672                           4/1/2021                       487.76                 55,000.00                   54,804.73
        408978680                           4/1/2021                     1,197.38                112,200.00                  111,961.67
        408978682                           4/1/2021                     1,173.90                131,000.00                  128,415.55
        408978683                           4/1/2021                       797.68                 96,620.00                   96,211.63
        408978690                           4/1/2021                       987.26                116,400.00                  115,938.74
        408978692                           4/1/2021                       607.76                 54,980.00                   54,875.27
        408978694                           5/1/2021                       483.42                 47,000.00                   46,901.31
        408978695                           4/1/2021                       760.92                 74,030.00                   73,813.65
        408978697                           4/1/2021                       698.72                 65,000.00                   64,864.92
        408978699                           4/1/2021                       666.79                 62,980.00                   62,842.97
        408978700                           4/1/2021                       471.02                 47,600.00                   47,473.84
        408978702                           5/1/2021                       712.07                 77,850.00                   77,538.73
        408978706                           4/1/2021                       293.13                 29,600.00                   29,521.70
        408978708                           4/1/2021                       458.93                 43,000.00                   42,908.62
        408978711                           4/1/2021                       447.24                 47,000.00                   46,856.19
        408978713                           4/1/2021                     1,025.79                 99,800.00                   99,562.86
        408978716                           4/1/2026                     1,032.13                100,000.00                   99,045.42
        408978718                           4/1/2021                       980.98                101,000.00                  100,718.03
        408978719                           7/1/2021                       822.28                 80,000.00                   79,003.41
        408978720                           4/1/2021                     1,022.37                 99,400.00                   99,164.27
        408978721                           4/1/2021                       647.56                 58,580.00                   58,463.02
        408978722                           4/1/2021                       596.93                 54,000.00                   53,897.04
        408978724                           4/1/2021                       701.47                 80,000.00                   79,707.83
        408978725                           4/1/2021                       544.25                 55,000.00                   54,854.19
        408978726                           4/1/2021                       793.56                 96,460.00                   96,048.93
        408978731                           4/1/2021                       461.95                 50,500.00                   50,334.39
        408978732                           4/1/2021                        418.6                 43,990.00                   43,860.10
        408978733                           4/1/2021                       433.92                 45,600.00                   45,460.29
        408978734                           4/1/2021                       375.05                 41,000.00                   40,846.29
        408978735                           5/1/2021                       323.78                 31,500.00                   31,327.98
        408978738                           4/1/2021                     1,563.40                155,000.00                  154,605.95
        408978739                           4/1/2021                     1,029.91                104,000.00                  103,724.96
        408978740                           4/1/2021                       246.74                 22,000.00                   21,591.43
        408978741                           4/1/2021                       504.11                 48,000.00                   47,879.51
        408978743                           4/1/2021                       360.02                 35,000.00                   34,891.49
        408978747                           4/1/2021                        766.8                 89,250.00                   88,906.60
        408978749                           4/1/2021                       405.69                 36,700.00                   36,630.10
        408978750                           4/1/2021                       613.79                 70,000.00                   69,482.01
        408978757                           4/1/2021                     1,006.22                110,000.00                  109,639.33
        408978758                           5/1/2021                     1,018.11                111,300.00                  110,977.08
        408978760                          3/20/2021                       148.01                 14,400.00                   14,365.79
        408978761                          3/20/2021                       312.63                 27,200.00                   27,154.24
        408978762                           4/1/2021                       678.53                 86,250.00                   85,842.73
        408978765                           4/1/2021                       736.24                 70,000.00                   69,844.59
        408978766                           4/1/2021                       997.01                 97,000.00                   96,769.50
        408978772                           4/1/2021                       348.01                 39,000.00                   38,841.51
        408978776                           5/1/2021                       808.84                 85,000.00                   84,776.35
        408978778                           5/1/2021                       984.68                 95,800.00                   95,601.79
        408978780                           4/1/2021                       282.66                 27,500.00                   27,399.34
        408978781                           4/1/2021                        493.7                 48,000.00                   47,886.14
        408978782                           4/1/2021                     1,234.17                140,634.00                  140,121.47
        408978783                           4/1/2021                       664.91                 71,000.00                   70,781.20
        408978784                           4/1/2021                       561.02                 47,380.00                   47,222.11
        408978785                           4/1/2021                     1,238.36                127,500.00                  127,078.01
        408978787                           4/1/2021                       565.24                 53,000.00                   52,877.07
        408978788                           5/1/2021                       286.31                 25,900.00                   25,815.21
        408978789                           4/1/2021                       462.53                 45,000.00                   44,893.08
        408978793                           4/1/2021                       172.06                 19,200.00                   19,133.56
        408978795                          4/27/2021                       917.85                 86,000.00                   85,749.18
        408978799                           4/5/2021                       572.61                 51,800.00                   51,708.93
        408978806                           4/1/2021                       226.26                 21,200.00                   21,154.97
        408978807                           4/1/2021                       643.69                 65,000.00                   64,723.27
        408978811                           4/1/2021                       503.65                 49,000.00                   48,883.53
        408978813                           5/1/2021                       543.64                 62,000.00                   61,802.70
        408978814                           4/1/2021                       585.67                 56,980.00                   56,528.21
        408978816                           4/1/2021                       569.43                 61,000.00                   60,809.63
        408978817                           4/5/2021                       599.49                 63,000.00                   62,832.99
        408978819                           5/1/2021                     1,130.63                110,000.00                  109,772.44
        408978820                           4/1/2021                       308.98                 31,200.00                   31,053.53
        408978822                           5/1/2021                       485.44                 49,980.00                   49,858.47
        408978826                           6/1/2021                     1,541.77                150,000.00                  149,321.20
        408978827                           4/1/2021                       942.79                 93,400.00                   93,166.12
        408978828                           4/1/2021                       462.53                 45,000.00                   44,882.99
        408978830                           5/1/2021                       732.29                 76,956.00                   76,758.13
        408978835                           4/1/2021                       336.19                 31,500.00                   31,423.63
        408978836                           4/1/2021                       563.26                 54,800.00                   54,669.79
        408978837                           4/1/2021                        548.5                 57,600.00                   57,430.24
        408978838                           4/1/2021                       563.63                 47,600.00                   47,527.55
        408978839                           4/1/2021                       551.91                 58,000.00                   57,828.72
        408978840                           4/1/2021                     1,190.31                125,000.00                  124,631.70
        408978842                           4/1/2021                       517.45                 43,700.00                   43,628.43
        408978845                          4/14/2021                       189.57                 16,000.00                   15,977.92
        408978846                           5/1/2021                        719.5                 70,000.00                   69,855.13
        408978847                           5/1/2021                       393.34                 43,000.00                   42,877.18
        408978849                           4/1/2021                       462.53                 45,000.00                   44,893.08
        408978852                           5/1/2021                       960.59                 97,000.00                   96,726.83
        408978853                           5/1/2021                        746.9                 85,109.00                   84,835.55
        408978854                           6/1/2021                     1,262.64                144,000.00                  142,435.30
        408978855                           4/1/2021                       692.22                 87,000.00                   86,599.50
        408978856                           4/1/2021                       496.77                 54,980.00                   54,793.90
        408978858                           4/1/2021                       619.33                 56,485.00                   56,374.58
        408978859                           4/1/2021                       798.15                 77,600.00                   77,410.93
        408978860                           4/1/2021                     1,186.06                117,500.00                  117,081.20
        408978864                           5/1/2021                        526.1                 60,000.00                   59,583.68
        408978869                           4/1/2021                       742.72                 75,000.00                   74,754.49
        408978870                           4/1/2021                       962.71                 93,600.00                   93,378.03
        408978871                           5/1/2021                       587.48                 67,000.00                   66,786.81
        408978874                           5/1/2021                       375.68                 36,550.00                   36,468.66
        408978877                           4/1/2021                        773.8                 70,000.00                   69,866.62
        408978878                           6/1/2021                       171.33                 17,300.00                   17,265.97
        408978879                           4/1/2021                       504.51                 49,980.00                   49,854.80
        408978892                           4/1/2021                     1,136.38                117,000.00                  116,668.34
        408978897                           4/1/2021                       247.41                 26,000.00                   25,904.36
        408978901                           5/1/2021                       403.46                 40,000.00                   39,912.56
        408978902                           5/1/2021                       417.63                 37,780.00                   37,717.13
        408978903                           4/1/2021                       377.36                 43,000.00                   42,839.25
        408978908                           5/1/2021                     1,227.57                140,000.00                  139,331.14
        408978909                           5/1/2021                       552.71                 50,000.00                   49,917.14
        408978910                           4/1/2021                       878.81                 85,500.00                   85,286.83
        408978912                           5/1/2021                       240.52                 23,400.00                   23,351.08
        408978913                           4/1/2021                       946.74                102,700.00                  102,359.98
        408978914                           5/1/2021                     1,565.08                133,200.00                  133,019.14
        408978915                           4/1/2021                       366.84                 41,400.00                   41,252.73
        408978916                           4/1/2021                       393.95                 41,400.00                   41,277.76
        408978919                           4/1/2021                       565.98                 51,200.00                   51,102.43
        408978920                           7/1/2021                        657.2                 81,750.00                   81,227.46
        408978922                           5/1/2021                       761.26                 80,000.00                   79,789.17
        408978924                           4/1/2026                       670.91                 55,600.00                   55,267.40
        408978925                           4/1/2021                        309.3                 27,980.00                   27,894.62
        408978926                           4/1/2021                     1,293.17                116,984.00                  116,751.03
        408978927                           4/1/2021                       524.86                 53,000.00                   52,859.82
        408978928                           4/1/2021                       577.73                 65,888.00                   65,610.95
        408978931                           5/1/2021                       595.01                 50,250.00                   50,183.46
        408978932                           4/1/2021                       850.96                 76,980.00                   76,833.32
        408978933                           5/1/2021                       364.68                 41,590.00                   41,144.12
        408978934                           4/1/2021                       344.63                 34,800.00                   34,707.92
        408978936                           4/1/2021                       465.87                 47,500.00                   47,370.89
        408978937                           5/1/2021                       493.17                 49,800.00                   49,685.30
        408978938                           8/1/2021                       273.68                 24,742.00                   24,690.47
        408978940                           5/1/2021                       287.16                 34,180.00                   34,059.19
        408978944                           5/1/2021                     1,469.82                143,000.00                  142,699.12
        408978947                           4/1/2021                       861.34                 83,800.00                   83,585.22
        408978948                           6/1/2021                     1,248.79                126,200.00                  125,941.48
        408978950                           5/1/2021                       657.82                 64,000.00                   63,454.07
        408978951                           4/1/2021                       608.99                 51,400.00                   51,319.87
        408978952                           5/1/2021                       752.33                 85,800.00                   85,526.27
        408978953                           5/1/2021                       561.18                 64,000.00                   63,791.27
        408978955                           6/1/2021                       673.35                 68,000.00                   67,866.39
        408978956                           5/1/2021                       554.22                 51,000.00                   50,910.79
        408978957                           5/1/2021                       279.27                 28,200.00                   28,134.56
        408978960                           5/1/2021                        360.6                 32,600.00                   32,545.74
        408978963                           5/1/2021                       176.87                 16,000.00                   15,973.47
        408978966                           5/1/2021                        596.6                 58,000.00                   57,880.26
        408978972                           5/1/2021                       894.23                 87,000.00                   86,809.89
        408978973                           5/1/2021                        641.7                 57,000.00                   56,873.32
        408978974                           5/1/2021                       337.14                 32,800.00                   32,732.10
        408978975                           5/1/2021                        564.2                 45,800.00                   45,133.31
        408978976                           6/1/2021                        650.4                 58,800.00                   58,712.04
        408978978                           6/1/2021                       243.38                 28,027.00                   27,918.72
        408978979                           5/1/2021                       871.46                 88,000.00                   87,797.36
        408978980                           6/1/2021                       925.06                 90,000.00                   89,734.28
        408978984                           5/1/2021                       422.27                 38,200.00                   37,679.04
        408978985                           5/1/2021                        764.1                 81,200.00                   80,984.81
        408978986                          5/17/2021                       648.86                 74,000.00                   73,798.99
        408978987                           5/1/2021                       397.73                 36,600.00                   36,511.39
        408978988                          4/12/2026                       409.81                 35,000.00                   34,754.69
        408978989                           5/1/2021                       668.53                 70,255.00                   70,074.33
        408978990                           5/1/2021                       687.59                 69,433.00                   69,273.14
        408978995                           5/1/2021                       552.31                 58,000.00                   57,851.11
        408978996                           5/1/2021                       910.87                 82,400.00                   82,263.41
        408978998                          4/14/2021                       211.57                 20,570.00                   20,311.38
        408978999                           5/1/2026                       396.15                 36,000.00                   35,737.08
        408979007                           5/4/2021                       913.51                 96,000.00                   95,789.38
        408979009                           6/1/2021                     1,182.02                115,000.00                  114,797.11
        408979011                           5/1/2021                        666.1                 70,000.00                   69,785.44
        408979012                           5/1/2026                       383.34                 40,000.00                   39,617.01
        408979013                           5/1/2021                     1,079.28                101,200.00                  100,885.96
        408979014                           5/1/2021                       523.74                 55,000.00                   54,856.95
        408979015                           6/1/2026                       274.21                 29,939.00                   29,632.51
        408979017                           5/1/2021                       375.91                 48,000.00                   47,795.29
        408979018                           5/1/2021                       555.45                 54,040.00                   53,928.16
        408979019                           5/1/2021                       419.16                 40,000.00                   39,916.79
        408979023                           5/1/2021                       387.32                 38,400.00                   38,316.10
        408979027                           5/1/2021                       900.99                106,000.00                  105,635.86
        408979029                           5/1/2021                     1,002.50                 94,000.00                   93,763.12
        408979031                           6/1/2021                     1,029.00                128,000.00                  127,571.65
        408979035                           5/1/2021                       342.68                 31,000.00                   30,948.61
        408979036                           6/1/2021                       451.58                 45,600.00                   45,486.94
        408979038                          4/28/2021                       435.81                 42,400.00                   42,312.27
        408979041                           5/1/2021                       842.53                 79,000.00                   78,810.13
        408979048                           5/1/2021                     1,541.77                150,000.00                  149,689.69
        408979051                           5/1/2021                     1,025.79                127,600.00                  127,099.90
        408979052                           5/1/2021                       570.95                 60,000.00                   59,845.66
        408979055                          4/14/2021                        193.5                 18,000.00                   17,967.38
        408979061                           5/1/2021                       305.07                 29,680.00                   29,618.56
        408979063                           5/1/2021                       823.54                 74,500.00                   74,376.50
        408979066                           5/1/2021                       535.13                 58,500.00                   58,332.89
        408979069                           5/1/2021                       217.87                 22,000.00                   21,949.31
        408979070                           5/1/2021                        666.1                 70,000.00                   69,799.43
        408979071                           6/1/2021                       512.31                 53,800.00                   53,682.21
        408979077                           5/1/2021                       470.24                 45,750.00                   45,654.31
        408979078                           5/1/2021                       732.82                 74,000.00                   73,829.59
        408979081                           5/1/2021                       164.63                 17,300.00                   17,181.03
        408979086                           5/1/2021                       426.91                 40,000.00                   39,899.60
        408979087                           5/1/2021                       789.39                 76,800.00                   76,641.10
        408979090                           6/1/2021                       290.05                 28,200.00                   28,145.28
        408979092                           6/1/2021                       123.51                 12,000.00                   11,804.14
        408979093                          4/28/2021                     1,208.50                127,000.00                  126,544.20
        408979095                           5/1/2021                       653.89                 62,400.00                   62,278.09
        408979096                           5/1/2021                       401.13                 39,000.00                   38,868.12
        408979097                           6/1/2021                       641.38                 62,400.00                   62,289.88
        408979098                           6/1/2021                     1,051.96                115,000.00                  114,709.59
        408979102                           6/1/2021                       398.33                 34,800.00                   34,756.06
        408979106                           5/1/2021                       951.57                100,000.00                   99,742.87
        408979107                           6/1/2021                       853.11                 83,000.00                   82,853.58
        408979108                           6/1/2021                       925.06                 90,000.00                   89,841.19
        408979109                           5/9/2021                     1,158.04                 97,800.00                   97,689.70
        408979112                           6/1/2021                       622.83                 52,600.00                   52,540.69
        408979113                           6/1/2021                       637.27                 62,000.00                   61,890.58
        408979116                           5/1/2021                     1,165.52                120,000.00                  119,708.26
        408979118                           6/1/2021                       736.87                 73,000.00                   72,826.69
        408979119                           5/1/2021                     1,105.20                 99,980.00                   99,814.27
        408979121                           6/1/2021                     1,257.68                127,000.00                  126,750.49
        408979122                           6/1/2021                       566.55                 55,120.00                   55,022.73
        408979127                           5/1/2021                       320.52                 33,000.00                   32,919.76
        408979131                           6/1/2021                       182.57                 16,800.00                   16,774.92
        408979132                           5/1/2021                       185.89                 21,200.00                   21,132.52
        408979135                           5/1/2021                       588.13                 53,204.00                   53,115.80
        408979136                           5/1/2021                       410.28                 39,916.00                   39,833.38
        408979137                           5/1/2021                       822.83                 80,000.00                   79,834.82
        408979138                           6/1/2021                       565.32                 55,000.00                   54,872.54
        408979139                           5/1/2021                        792.5                 90,382.00                   90,094.41
        408979141                          4/29/2021                       947.27                 80,000.00                   79,894.13
        408979145                           7/1/2021                     1,212.86                118,000.00                  117,827.37
        408979147                           8/1/2021                       369.79                 35,977.00                   35,903.86
        408979148                          5/15/2021                       190.37                 19,990.00                   19,946.24
        408979150                           6/1/2021                       403.35                 46,000.00                   45,875.03
        408979151                           6/1/2021                       847.63                 78,000.00                   77,650.08
        408979154                           6/1/2021                     1,114.08                112,500.00                  112,279.03
        408979164                           6/1/2021                       251.79                 26,460.00                   26,396.88
        408979166                          4/27/2021                       180.93                 19,000.00                   18,951.22
        408979170                           7/1/2021                        609.8                 59,328.00                   59,231.12
        408979172                           5/1/2021                       374.74                 33,900.00                   33,842.16
        408979173                           6/1/2021                       565.83                 55,050.00                   54,935.37
        408979176                           6/1/2021                       473.13                 46,000.00                   45,918.99
        408979177                           5/4/2021                     1,034.67                118,000.00                  117,679.48
        408979178                           6/1/2021                       452.35                 43,980.00                   43,902.56
        408979181                           6/1/2021                       676.04                 77,100.00                   76,890.59
        408979182                           5/1/2021                       554.98                 54,980.00                   54,704.12
        408979183                           5/1/2021                       499.58                 52,500.00                   52,364.97
        408979186                           6/1/2026                        284.7                 27,600.00                   27,340.78
        408979196                           6/1/2021                     1,152.64                108,000.00                  107,829.78
        408979197                           6/1/2021                     1,151.19                112,000.00                  111,802.38
        408979202                          5/17/2021                       862.07                 73,000.00                   72,916.96
        408979203                           5/1/2021                       657.82                 64,000.00                   63,867.61
        408979204                           6/1/2021                     1,148.45                108,000.00                  107,827.89
        408979205                           6/1/2021                       937.12                106,875.00                  106,584.70
        408979206                           6/1/2021                       657.54                 69,100.00                   68,948.37
        408979207                           6/1/2021                       318.64                 31,000.00                   30,940.20
        408979208                           5/1/2021                       379.25                 35,280.00                   35,216.14
        408979210                           5/1/2021                        583.4                 49,240.00                   49,174.95
        408979211                           6/1/2026                       979.94                 95,000.00                   94,325.02
        408979213                           5/1/2021                     1,262.33                143,855.00                  143,397.43
        408979214                          5/12/2021                       419.95                 37,990.00                   37,936.32
        408979215                           6/1/2021                       903.14                103,000.00                  102,720.24
        408979216                           6/1/2021                       275.62                 28,600.00                   28,438.76
        408979217                           6/1/2021                     1,100.54                107,000.00                  106,811.57
        408979219                           6/1/2021                     1,141.89                120,000.00                  119,736.70
        408979226                           6/1/2021                       827.87                 87,000.00                   86,809.09
        408979227                           6/1/2021                       442.48                 46,500.00                   46,397.99
        408979228                           6/1/2026                       527.58                 65,000.00                   64,293.09
        408979229                           7/1/2021                     1,126.75                134,000.00                  133,665.16
        408979232                           6/1/2021                       656.37                 61,500.00                   61,403.05
        408979236                           6/1/2021                     1,100.81                134,400.00                  133,969.37
        408979238                           6/1/2021                        595.1                 55,800.00                   55,706.79
        408979239                           6/1/2021                       644.97                 60,000.00                   59,907.47
        408979244                           6/1/2021                       647.98                 59,500.00                   59,411.85
        408979245                           6/1/2021                       379.24                 43,250.00                   43,132.48
        408979247                           6/1/2021                       884.34                 80,000.00                   79,886.94
        408979251                           6/1/2021                       498.44                 52,380.00                   52,255.46
        408979252                           6/1/2021                       753.66                 93,750.00                   93,436.27
        408979253                           6/1/2021                       475.92                 49,000.00                   48,898.38
        408979254                           7/1/2021                     1,138.59                103,000.00                  102,879.34
        408979255                           5/1/2021                     1,079.40                118,000.00                  117,349.02
        408979260                           6/1/2021                       906.56                104,400.00                  104,109.46
        408979261                          7/26/2021                     1,397.87                136,000.00                  135,841.64
        408979263                           6/1/2021                       319.49                 29,400.00                   29,356.17
        408979264                           6/1/2021                       633.16                 61,600.00                   61,491.28
        408979265                           5/5/2026                     1,122.40                102,000.00                  101,364.82
        408979267                           6/1/2021                       517.97                 59,072.00                   58,911.52
        408979268                           7/1/2021                       489.15                 44,250.00                   44,198.18
        408979269                           6/1/2021                       315.44                 26,700.00                   26,669.62
        408979270                           6/1/2021                       532.01                 60,000.00                   59,841.53
        408979271                          5/11/2021                       261.44                 26,400.00                   26,348.14
        408979272                           6/1/2021                       607.98                 55,000.00                   54,922.28
        408979274                           6/1/2021                     1,282.29                116,000.00                  115,836.08
        408979276                           6/1/2021                     1,596.26                171,000.00                  170,604.94
        408979285                           6/1/2021                        337.1                 35,400.00                   35,115.52
        408979291                           7/1/2021                     1,233.42                120,000.00                  119,798.76
        408979292                           6/1/2021                          524                 50,980.00                   50,890.03
        408979293                           6/1/2021                       981.17                 92,000.00                   91,854.64
        408979294                           6/1/2021                       261.98                 25,000.00                   24,958.33
        408979295                           6/1/2021                       921.52                 84,800.00                   84,546.17
        408979296                           6/1/2021                       974.55                 93,000.00                   92,744.02
        408979297                           6/1/2021                       427.36                 44,000.00                   43,908.72
        408979298                           6/1/2021                     1,572.60                153,000.00                  152,634.80
        408979299                           6/1/2021                       442.17                 40,000.00                   39,938.42
        408979300                           6/1/2021                       377.04                 43,000.00                   42,860.40
        408979301                           6/1/2021                       518.45                 46,900.00                   46,833.69
        408979304                           6/1/2021                       276.16                 29,000.00                   28,935.60
        408979306                           7/1/2021                       364.11                 35,400.00                   35,322.39
        408979307                           6/1/2021                       568.62                 64,800.00                   64,624.34
        408979309                           6/1/2021                       714.55                 67,000.00                   66,894.13
        408979315                           6/1/2021                       319.13                 32,250.00                   32,184.77
        408979316                           6/1/2021                       534.39                 49,000.00                   48,922.71
        408979317                           6/1/2021                       309.28                 29,000.00                   28,954.20
        408979320                           6/1/2021                       770.89                 75,000.00                   74,867.53
        408979321                           6/1/2021                       315.68                 29,600.00                   29,552.38
        408979323                           6/1/2021                       741.11                 67,000.00                   66,868.01
        408979325                           6/1/2021                       975.41                139,500.00                  138,869.01
        408979326                           6/1/2026                       212.87                 18,180.00                   17,875.45
        408979327                           6/1/2021                       905.12                 88,000.00                   87,845.00
        408979328                           6/1/2021                       278.34                 29,250.00                   29,163.33
        408979331                           6/1/2021                       397.57                 38,680.00                   38,604.33
        408979333                           7/1/2021                       502.06                 42,400.00                   42,350.23
        408979334                           6/1/2021                       851.18                 77,000.00                   76,891.16
        408979336                           6/1/2021                       750.17                 92,200.00                   91,899.95
        408979338                           6/1/2021                       639.32                 62,200.00                   62,090.25
        408979339                           6/1/2021                       328.91                 32,000.00                   31,943.55
        408979344                           6/1/2021                       651.62                 65,800.00                   65,637.64
        408979345                           6/1/2021                       939.19                 88,000.00                   87,861.30
        408979351                          5/23/2021                       841.75                 85,000.00                   84,833.04
        408979356                           6/1/2021                       829.07                 75,000.00                   74,894.00
        408979358                           6/1/2021                       462.85                 45,000.00                   44,920.71
        408979359                           6/1/2021                       714.73                 85,000.00                   84,744.12
        408979360                           6/1/2021                       319.71                 27,000.00                   26,969.51
        408979362                           6/1/2021                        861.4                 88,000.00                   87,817.72
        408979364                           6/1/2021                       458.49                 52,800.00                   52,648.02
        408979367                           6/1/2021                        846.9                 89,000.00                   88,804.53
        408979371                          6/19/2021                       745.19                 72,500.00                   72,387.42
        408979372                           6/1/2021                       597.31                 54,000.00                   53,923.84
        408979374                           7/1/2021                       919.54                106,800.00                  106,465.65
        408979375                           8/1/2021                       616.71                 60,000.00                   59,898.34
        408979376                           7/1/2021                       916.43                 89,160.00                   89,029.55
        408979378                           7/1/2021                     1,011.90                123,000.00                  122,671.13
        408979380                           7/1/2021                        907.8                 95,400.00                   95,226.37
        408979382                           7/1/2021                       210.71                 25,500.00                   25,433.55
        408979384                           6/1/2021                          812                 79,000.00                   78,855.42
        408979385                           7/1/2021                       969.94                 89,000.00                   88,890.95
        408979386                           6/1/2021                       787.67                 79,600.00                   79,443.30
        408979387                           6/1/2021                       729.58                 66,000.00                   65,901.67
        408979389                           6/1/2021                       390.79                 40,000.00                   39,918.35
        408979391                           7/1/2021                        473.3                 45,000.00                   44,938.51
        408979393                           6/1/2026                       359.92                 50,000.00                   48,537.91
        408979397                           7/1/2021                       323.54                 34,000.00                   33,918.68
        408979398                           6/1/2021                       299.42                 29,000.00                   28,949.48
        408979399                           7/1/2021                       250.71                 22,680.00                   22,653.43
        408979403                          5/30/2021                       959.11                 81,000.00                   80,908.65
        408979410                           6/1/2021                       704.17                 74,000.00                   73,837.59
        408979411                           6/1/2021                       959.11                 99,800.00                   99,581.38
        408979415                           8/1/2021                     1,275.11                134,000.00                  133,804.90
        408979418                           7/1/2021                        570.4                 51,600.00                   51,528.26
        408979420                           6/1/2021                       920.65                 96,750.00                   96,537.70
        408979421                           7/1/2021                        234.5                 21,200.00                   21,059.32
        408979423                           6/1/2021                     1,582.77                158,000.00                  157,699.67
        408979424                           8/1/2021                       785.33                 77,800.00                   77,694.36
        408979425                           6/1/2021                       576.29                 63,000.00                   62,846.44
        408979427                           6/1/2021                     1,153.96                104,324.00                  104,176.85
        408979428                           7/1/2021                          765                 78,000.00                   77,650.33
        408979429                           6/1/2021                       529.08                 55,600.00                   55,477.98
        408979431                           6/1/2021                     1,194.62                108,000.00                  107,847.66
        408979435                           6/1/2021                       875.45                 92,000.00                   91,798.13
        408979439                           7/1/2021                       417.38                 47,600.00                   47,487.32
        408979441                           7/1/2021                       450.99                 39,400.00                   39,358.72
        408979442                           6/1/2021                       780.39                 89,000.00                   88,758.23
        408979443                           6/1/2021                       625.48                 69,800.00                   69,620.59
        408979444                           8/1/2021                       378.51                 36,800.00                   36,757.20
        408979445                           7/1/2021                        312.5                 31,580.00                   31,528.41
        408979447                           6/1/2021                     1,089.33                110,000.00                  109,715.99
        408979448                           6/1/2021                        776.4                 72,800.00                   72,685.01
        408979450                           7/1/2021                     1,271.49                139,000.00                  138,718.93
        408979452                           6/1/2021                       358.88                 34,892.20                   34,758.42
        408979453                           8/1/2026                     1,018.10                 98,700.00                   98,237.00
        408979454                           6/1/2021                       331.84                 30,000.00                   29,957.69
        408979455                           7/1/2021                       597.59                 62,800.00                   62,685.69
        408979458                           7/1/2021                       534.48                 52,000.00                   51,923.94
        408979459                           7/1/2021                       514.35                 46,500.00                   46,445.64
        408979460                           6/1/2021                       822.28                 80,000.00                   79,858.82
        408979461                           7/1/2021                     1,435.93                145,000.00                  144,763.78
        408979462                           7/1/2021                       541.66                 49,000.00                   48,942.59
        408979463                           7/1/2021                       307.38                 28,800.00                   28,762.33
        408979464                           6/1/2021                        203.4                 18,400.00                   18,363.47
        408979467                           6/1/2021                       977.49                115,000.00                  114,662.74
        408979468                           6/1/2021                       377.01                 31,820.00                   31,784.15
        408979470                           8/1/2021                       868.07                 99,000.00                   98,817.18
        408979472                           7/1/2021                       349.85                 32,780.00                   32,737.15
        408979473                           6/7/2021                       610.02                 61,600.00                   61,499.65
        408979475                           6/1/2021                       859.28                 82,000.00                   81,861.20
        408979476                           7/1/2021                       179.74                 17,475.00                   17,428.77
        408979477                           7/1/2021                       275.47                 26,800.00                   26,655.83
        408979480                           7/1/2021                       336.28                 28,400.00                   28,373.48
        408979482                           6/1/2021                       361.86                 38,000.00                   37,916.77
        408979484                           6/1/2021                       371.38                 34,800.00                   34,726.50
        408979485                           7/1/2021                          303                 27,410.00                   27,363.53
        408979489                           8/1/2021                       624.57                 68,000.00                   67,891.63
        408979491                           7/1/2021                       639.97                 67,200.00                   67,077.90
        408979492                           7/1/2021                       986.73                 96,000.00                   95,849.57
        408979497                           6/1/2021                       521.76                 47,200.00                   47,050.74
        408979499                           6/1/2021                       339.96                 35,700.00                   35,621.80
        408979502                           7/1/2021                        786.3                 76,500.00                   76,388.09
        408979505                           6/8/2021                       829.07                 75,000.00                   74,912.15
        408979513                          6/12/2021                        520.9                 52,600.00                   52,514.29
        408979514                           7/1/2021                       483.09                 47,000.00                   46,931.23
        408979515                           7/1/2021                       516.94                 47,400.00                   47,342.08
        408979516                           7/1/2021                     1,031.37                124,000.00                  123,681.97
        408979518                           7/1/2021                     1,274.53                124,000.00                  123,813.54
        408979523                           8/1/2021                       720.82                 78,800.00                   78,672.93
        408979524                           7/1/2021                       838.05                 88,000.00                   87,840.19
        408979525                           6/1/2021                       397.96                 36,000.00                   35,949.08
        408979526                           8/1/2021                       366.17                 38,480.00                   38,424.21
        408979527                           7/1/2021                       277.71                 27,000.00                   26,960.55
        408979531                           7/1/2021                       789.78                 74,000.00                   73,903.28
        408979534                           8/1/2021                     1,244.05                136,000.00                  135,780.95
        408979539                           7/1/2021                       396.16                 36,080.00                   36,026.39
        408979540                           7/1/2021                       211.25                 22,200.00                   22,149.22
        408979543                          6/19/2021                       687.25                 60,000.00                   59,937.35
        408979544                           7/1/2021                     1,193.86                108,000.00                  107,791.31
        408979545                          6/22/2026                        399.2                 44,400.00                   44,062.12
        408979547                           8/1/2026                       328.05                 28,713.00                   28,604.09
        408979549                           7/1/2021                       298.38                 34,000.00                   33,919.15
        408979550                           7/1/2021                     1,337.20                130,000.00                  129,810.24
        408979552                           7/1/2021                     1,096.75                131,000.00                  130,669.21
        408979555                           7/1/2021                       721.12                 63,000.00                   62,934.07
        408979556                           7/1/2021                       267.24                 26,000.00                   25,961.96
        408979557                           7/1/2021                       288.54                 30,000.00                   29,946.94
        408979559                           8/1/2021                       641.36                 67,400.00                   67,302.31
        408979561                           8/1/2021                       814.84                 82,746.00                   81,821.35
        408979564                           7/1/2021                       317.87                 33,380.00                   33,314.29
        408979566                           8/1/2021                       631.55                 62,000.00                   61,925.84
        408979567                           8/1/2021                       304.68                 34,000.00                   33,942.21
        408979569                           8/1/2021                     1,479.05                133,800.00                  133,675.27
        408979571                           8/1/2021                       497.44                 45,000.00                   44,958.07
        408979572                           8/1/2021                       972.67                 86,400.00                   86,323.38
        408979573                           8/1/2021                       599.15                 56,180.00                   56,121.46
        408979576                           7/1/2021                     2,494.27                225,640.00                  225,375.76
        408979577                           8/1/2021                       500.59                 60,058.00                   59,935.83
        408979579                           8/1/2021                       265.31                 24,000.00                   23,977.60
        408979585                           7/1/2021                       995.95                110,000.00                  109,771.54
        408979586                           7/1/2021                        306.9                 35,000.00                   34,921.08
        408979590                           8/1/2021                       927.78                 97,500.00                   97,353.71
        408979591                          6/15/2021                     1,151.19                112,000.00                  111,836.14
        408979593                           8/1/2021                       457.94                 41,400.00                   41,361.48
        408979597                           8/1/2021                       189.69                 17,160.00                   17,138.95
        408979598                           8/1/2021                       370.15                 35,000.00                   34,952.48
        408979599                           8/1/2021                     1,125.49                109,500.00                  109,372.50
        408979601                          6/13/2021                       657.82                 64,000.00                   63,906.38
        408979602                           7/1/2021                       873.67                 85,000.00                   84,875.64
        408979604                           7/1/2021                       873.67                 85,000.00                   84,875.64
        408979605                           8/1/2021                       677.23                 70,000.00                   69,903.07
        408979607                           7/1/2021                       297.36                 26,900.00                   26,868.49
        408979608                           7/1/2021                       710.91                 65,000.00                   64,921.29
        408979609                           7/1/2026                       134.69                 14,200.00                   14,101.85
        408979610                           8/1/2021                     1,050.15                 95,000.00                   94,808.20
        408979612                           8/1/2021                       385.33                 43,000.00                   42,926.25
        408979613                           8/1/2021                     1,005.69                125,000.00                  124,723.74
        408979615                           7/1/2021                       241.56                 20,400.00                   20,379.16
        408979618                           7/3/2021                       705.26                 63,800.00                   63,740.54
        408979620                           7/1/2021                       247.41                 26,000.00                   25,952.62
        408979621                           7/1/2021                     1,270.17                158,000.00                  157,555.99
        408979623                           7/1/2021                     1,487.88                152,000.00                  151,744.14
        408979629                           8/1/2021                       335.12                 31,400.00                   31,365.54
        408979630                           8/1/2021                       442.17                 40,000.00                   39,962.72
        408979631                           8/1/2021                       317.24                 28,680.00                   28,653.32
        408979633                           7/1/2021                       641.15                 58,000.00                   57,932.04
        408979634                           8/1/2021                     1,402.05                147,340.00                  147,126.45
        408979636                           7/1/2021                     1,375.23                133,797.00                  133,601.25
        408979638                           8/1/2021                       482.26                 55,000.00                   54,901.24
        408979639                           7/1/2021                       339.39                 31,800.00                   31,758.45
        408979641                           7/1/2021                     1,225.76                134,000.00                  133,728.99
        408979643                           8/1/2026                     1,022.23                106,000.00                  105,433.86
        408979648                           8/1/2021                        338.9                 28,239.00                   27,994.69
        408979649                          7/26/2021                       733.59                 83,600.00                   83,445.17
        408979650                           8/1/2021                       401.13                 39,000.00                   38,954.68
        408979653                           8/1/2021                        237.9                 25,000.00                   24,963.74
        408979654                           8/1/2021                       757.06                 75,000.00                   74,907.92
        408979655                           8/1/2021                       864.86                121,599.00                  121,247.11
        408979659                           7/1/2021                       605.69                 57,800.00                   57,720.14
        408979660                           8/1/2021                        215.7                 19,500.00                   19,481.55
        408979661                           8/1/2026                       649.83                 55,500.00                   55,290.52
        408979663                           8/1/2021                       616.71                 60,000.00                   59,930.12
        408979665                           8/1/2026                       242.09                 22,000.00                   21,902.73
        408979667                           8/1/2021                       395.14                 50,000.00                   49,682.97
        408979668                           7/1/2021                     1,082.20                101,400.00                  101,267.52
        408979669                           8/1/2021                       397.71                 39,400.00                   39,249.15
        408979671                           8/1/2021                       911.61                 95,800.00                   95,659.56
        408979672                           8/1/2021                       808.84                 85,000.00                   84,876.80
        408979673                           8/1/2016                     1,498.41                102,000.00                  100,256.62
        408979674                           8/1/2021                       524.35                 59,800.00                   59,692.61
        408979682                           8/1/2021                       498.96                 68,000.00                   67,814.61
        408979683                           8/1/2021                       533.12                 60,800.00                   60,690.81
        408979684                           8/1/2021                     1,061.21                 96,000.00                   95,910.52
        408979685                           8/1/2021                       352.09                 37,000.00                   36,936.25
        408979686                           7/1/2021                     1,030.25                 93,200.00                   93,090.87
        408979687                           8/1/2021                       595.25                 81,820.00                   81,589.10
        408979688                           7/1/2021                       286.16                 25,000.00                   24,972.98
        408979691                           7/1/2021                     1,593.16                155,000.00                  154,773.25
        408979693                           7/1/2021                       493.37                 48,000.00                   47,929.75
        408979694                           7/1/2021                       799.67                 77,800.00                   77,686.16
        408979696                           7/1/2021                     1,299.40                124,000.00                  123,823.64
        408979697                           8/1/2021                       487.56                 53,300.00                   53,214.14
        408979699                           7/1/2021                       717.44                 69,800.00                   68,982.80
        408979701                           7/1/2021                     1,483.46                149,800.00                  149,550.92
        408979702                           8/1/2021                       451.21                 44,700.00                   44,641.91
        408979703                           8/1/2026                       838.24                 93,500.00                   92,785.84
        408979704                           8/1/2021                       960.57                 96,998.00                   96,872.18
        408979705                           7/1/2021                     1,237.28                141,000.00                  140,682.77
        408979706                           8/1/2021                       637.81                 62,053.00                   61,980.74
        408979709                           8/1/2021                       323.44                 31,800.00                   31,761.77
        408979710                           8/1/2021                       706.59                 70,000.00                   69,914.06
        408979714                           7/1/2021                     1,066.37                119,000.00                  118,643.56
        408979716                           7/1/2021                        990.3                100,000.00                   99,837.08
        408979722                           7/1/2021                       292.79                 28,485.00                   28,443.29
        408979724                           8/1/2021                       775.51                 72,716.00                   72,640.19
        408979725                           8/1/2021                       897.08                111,500.00                  111,253.56
        408979726                           8/1/2021                       913.32                 95,980.00                   95,840.90
        408979730                           7/1/2021                          540                 59,100.00                   58,980.10
        408979731                          7/28/2021                       853.11                 83,000.00                   82,896.47
        408979732                           8/1/2021                     1,251.98                157,000.00                  156,440.57
        408979737                           8/1/2021                     1,083.31                 98,000.00                   97,875.49
        408979738                           8/1/2021                       747.94                 78,600.00                   78,486.07
        408979739                           8/1/2021                       517.81                 56,607.00                   56,510.77
        408979741                           7/1/2021                       362.61                 34,000.00                   33,955.44
        408979743                           7/1/2021                       493.27                 47,990.00                   47,890.15
        408979745                           8/1/2026                       850.05                 72,600.00                   72,339.18
        408979746                           8/1/2021                     1,060.05                111,400.00                  111,228.51
        408979747                           7/1/2021                       563.77                 51,000.00                   50,301.98
        408979749                           7/1/2021                       451.53                 40,846.20                   40,798.33
        408979751                           8/1/2021                       718.53                 65,000.00                   64,934.35
        408979753                          7/20/2021                       544.47                 54,980.00                   54,908.66
        408979756                           7/1/2021                       378.39                 45,000.00                   44,868.01
        408979757                           7/1/2021                       523.18                 54,980.00                   54,852.36
        408979758                           8/1/2021                       333.25                 32,400.00                   32,362.33
        408979759                           8/1/2021                       806.15                 83,000.00                   82,886.32
        408979761                          7/12/2021                       378.39                 45,000.00                   44,910.38
        408979762                           8/1/2021                       424.76                 38,400.00                   38,364.26
        408979763                           8/1/2021                       408.32                 37,200.00                   37,164.52
        408979764                           8/1/2021                       501.25                 47,000.00                   46,950.23
        408979771                           7/1/2021                        277.7                 26,500.00                   26,463.36
        408979772                           8/1/2021                       284.65                 34,600.00                   34,527.40
        408979774                           8/1/2021                       534.95                 58,600.00                   58,505.08
        408979775                           7/1/2021                     1,525.48                138,000.00                  137,838.39
        408979776                           8/1/2021                       221.09                 20,000.00                   19,979.47
        408979777                           8/1/2021                       276.22                 28,972.00                   28,925.15
        408979784                           8/1/2021                       402.08                 37,000.00                   36,963.61
        408979785                           8/1/2021                     1,144.78                115,600.00                  115,450.07
        408979786                           8/1/2021                       657.63                 75,000.00                   74,865.32
        408979787                           7/1/2021                        252.2                 22,800.00                   22,772.70
        408979790                           7/1/2021                       532.88                 56,000.00                   55,661.72
        408979794                           8/1/2021                       840.72                 90,000.00                   88,914.34
        408979795                           8/1/2021                        964.8                 97,500.00                   97,373.24
        408979796                           8/1/2021                       336.44                 34,000.00                   33,955.81
        408979797                          7/12/2021                       386.89                 35,000.00                   34,668.17
        408979798                           8/1/2026                       383.43                 45,000.00                   44,700.72
        408979799                           8/1/2021                       773.58                 69,980.00                   69,914.76
        408979802                           8/1/2021                       512.66                 48,035.00                   47,985.05
        408979804                           8/1/2026                       863.68                 96,000.00                   95,418.46
        408979805                           8/1/2021                       928.13                 84,800.00                   84,708.34
        408979806                           8/1/2021                       532.88                 56,000.00                   55,918.84
        408979807                           8/1/2021                       328.93                 31,980.00                   31,942.82
        408979810                           8/1/2021                       523.37                 55,000.00                   54,915.23
        408979812                           8/1/2021                       493.16                 47,980.00                   47,924.12
        408979813                           7/1/2021                       543.47                 61,980.00                   61,840.25
        408979815                           8/1/2021                       536.83                 49,400.00                   49,351.42
        408979816                           8/1/2021                       457.65                 41,400.00                   41,350.79
        408979818                           8/1/2021                       698.84                 59,980.00                   59,932.92
        408979819                           7/1/2021                       493.74                 48,000.00                   47,897.98
        408979820                           7/1/2021                       333.05                 35,000.00                   34,936.30
        408979822                           8/1/2021                       295.77                 26,000.00                   25,960.69
        408979823                           8/1/2021                       608.21                 60,000.00                   59,357.99
        408979824                           8/1/2021                     1,103.21                 99,800.00                   99,706.22
        408979825                           7/1/2021                       175.29                 17,700.00                   17,671.12
        408979826                           8/1/2021                       479.92                 45,000.00                   44,953.08
        408979829                           8/1/2021                       510.49                 46,180.00                   46,120.58
        408979830                           8/1/2021                       754.44                 73,400.00                   73,314.53
        408979833                           8/1/2021                       333.03                 32,400.00                   32,362.24
        408979835                           8/1/2021                     1,370.39                123,970.00                  123,854.49
        408979836                           8/1/2021                       585.73                 66,800.00                   66,680.02
        408979839                           8/1/2021                       518.92                 52,400.00                   52,332.02
        408979840                           8/1/2021                       298.08                 29,000.00                   28,966.22
        408979842                          7/31/2021                     1,122.00                101,500.00                  101,349.33
        408979843                           8/1/2021                       585.05                 68,096.00                   67,967.36
        408979844                           8/1/2021                       706.32                 84,000.00                   83,686.97
        408979847                           8/1/2021                     1,200.48                123,600.00                  123,430.72
        408979850                           8/1/2021                       400.86                 39,000.00                   38,954.59
        408979851                           8/1/2021                       707.34                 67,500.00                   65,394.13
        408979852                           8/1/2021                       333.05                 35,000.00                   34,949.27
        408979855                           8/1/2021                       686.09                 66,750.00                   66,662.15
        408979862                           8/1/2021                     1,026.83                110,000.00                  109,779.85
        408979863                           8/1/2021                       562.86                 59,150.00                   59,052.68
        408979864                           8/1/2021                     1,499.39                171,000.00                  170,692.94
        408979865                          7/11/2021                       491.31                 47,800.00                   47,743.66
        408979866                           8/1/2021                     1,437.05                130,000.00                  129,878.85
        408979867                           8/1/2021                       427.99                 42,400.00                   42,258.61
        408979868                           8/1/2026                       549.11                 55,000.00                   54,724.98
        408979869                           8/1/2021                        385.3                 29,300.00                   29,098.29
        408979872                          7/28/2021                     1,275.11                134,000.00                  133,805.79
        408979873                           8/1/2021                       437.26                 41,000.00                   40,957.26
        408979874                           8/1/2021                       247.31                 24,500.00                   24,461.29
        408979876                          7/14/2021                       873.29                 79,000.00                   78,926.35
        408979877                           8/1/2021                       252.17                 26,500.00                   26,461.58
        408979879                           8/1/2021                        316.3                 25,000.00                   24,815.07
        408979880                           8/1/2021                       384.05                 39,000.00                   38,564.20
        408979881                           8/1/2021                       328.38                 30,000.00                   29,710.29
        408979883                           8/1/2021                       393.53                 35,600.00                   35,540.57
        408979887                           8/1/2021                       299.75                 31,500.00                   31,454.33
        408979888                           8/1/2021                       744.16                 72,400.00                   72,315.70
        408979892                           8/1/2021                       516.71                 54,300.00                   54,221.28
        408979893                           8/1/2021                       321.52                 33,000.00                   32,955.19
        408979894                           8/1/2021                       402.74                 33,000.00                   32,977.92
        408979896                           8/1/2021                     1,419.46                133,000.00                  132,861.68
        408979898                           8/1/2021                       546.09                 65,000.00                   64,870.28
        408979899                           8/1/2021                       399.95                 36,180.00                   36,146.16
        408979900                           8/1/2021                       549.04                 53,380.00                   53,317.94
        408979901                           8/1/2021                     1,634.64                168,300.00                  168,069.47
        408979902                           8/1/2021                       475.67                 52,000.00                   51,911.19
        408979904                           8/1/2026                       349.55                 39,200.00                   38,907.99
        408979909                           8/1/2021                       356.28                 35,980.00                   35,933.33
        408979910                           8/1/2021                       229.21                 22,300.00                   22,274.03
        408979912                           8/1/2021                       292.61                 30,750.00                   30,705.43
        408979913                           8/1/2021                     1,107.34                105,672.00                  105,555.81
        408979915                           8/1/2021                       659.21                 82,000.00                   81,818.40
        408979916                           8/1/2021                       479.65                 43,980.00                   43,937.20
        408979919                           8/1/2021                       452.26                 44,000.00                   43,948.73
        408979920                           8/1/2021                       671.72                 74,500.00                   73,555.59
        408979922                           8/1/2021                       231.98                 27,000.00                   26,948.97
        408979924                           8/1/2021                       543.56                 58,000.00                   57,912.39
        408979928                           8/1/2021                       704.72                 74,000.00                   73,892.99
        408979931                           8/1/2021                       589.75                 64,000.00                   63,839.89
        408979932                           8/1/2021                       794.07                 82,400.00                   82,127.32
        408979935                           8/1/2021                       464.69                 50,800.00                   50,718.18
        408979936                           8/1/2021                       561.43                 59,000.00                   58,913.31
        408979939                           8/1/2021                       443.28                 40,100.00                   40,049.01
        408979940                          7/26/2021                        424.4                 40,500.00                   40,455.26
        408979943                           8/1/2021                       341.52                 39,750.00                   39,674.89
        408979945                           8/1/2026                       594.68                 65,369.00                   64,980.39
        408979946                           8/1/2021                       561.43                 59,000.00                   58,914.48
        408979947                           8/1/2021                       221.23                 20,000.00                   19,949.76
        408979950                           8/1/2021                       359.75                 35,000.00                   34,959.23
        408979951                           8/1/2021                       395.74                 35,800.00                   35,727.40
        408979952                          7/28/2021                        799.7                 83,980.00                   83,858.54
        408979953                           8/1/2021                       574.15                 51,000.00                   50,918.92
        408979956                           8/1/2026                       458.62                 41,000.00                   40,837.21
        408979959                           8/1/2021                       630.02                 60,000.00                   59,391.88
        408979960                           8/1/2021                       629.69                 59,000.00                   58,918.32
        408979961                           8/1/2021                       285.85                 32,600.00                   32,420.39
        408979963                           8/1/2021                       519.74                 58,000.00                   57,901.46
        408979967                           8/1/2021                       171.28                 22,275.00                   22,211.71
        408979968                           8/1/2021                       849.49                 96,800.00                   96,626.56
        408979969                           8/1/2021                       402.08                 37,000.00                   36,959.78
        408979970                           8/1/2026                       390.38                 34,900.00                   34,761.46
        408979971                           8/1/2021                       757.76                 71,000.00                   70,926.14
        408979972                           8/1/2021                       395.74                 35,800.00                   35,766.65
        408979973                           8/1/2021                     1,271.24                115,000.00                  114,892.82
        408979974                           8/1/2021                       564.87                 51,980.00                   51,923.86
        408979975                           8/1/2021                       447.97                 52,100.00                   52,001.72
        408979976                           8/1/2021                       545.18                 53,400.00                   53,336.55
        408979978                           8/1/2021                        391.1                 35,380.00                   35,341.97
        408979979                           8/1/2021                       446.59                 40,400.00                   40,358.83
        408979980                           8/1/2021                       467.67                 45,500.00                   45,447.02
        408979982                          7/27/2021                       894.23                 87,000.00                   86,898.68
        408979983                           8/1/2021                       328.91                 32,000.00                   31,962.74
        408979985                           8/1/2021                       685.62                 72,000.00                   71,895.86
        408979986                           8/1/2021                       350.42                 34,092.00                   34,052.28
        408979988                           8/1/2021                        575.6                 56,000.00                   55,929.71
        408979989                           8/1/2021                     1,086.26                106,000.00                  105,865.35
        408979991                           8/1/2021                       329.14                 32,000.00                   31,962.78
        408979992                           8/1/2021                       453.41                 56,400.00                   56,173.59
        408979993                           8/1/2021                       584.28                 59,000.00                   58,923.46
        408979994                           8/1/2021                       879.82                 94,251.00                   94,107.12
        408979995                           8/1/2026                        510.2                 61,000.00                   59,907.65
        408979997                           8/1/2021                       737.47                 77,499.60                   77,387.26
        408979998                           8/1/2021                       409.69                 37,700.00                   37,662.91
        408980000                           8/1/2021                     1,369.64                128,800.00                  128,654.44
        408980002                           8/1/2021                       294.05                 26,600.00                   26,575.17
        408980003                           8/1/2021                       534.48                 52,000.00                   51,939.46
        408980004                           8/1/2021                       777.53                 85,000.00                   84,863.10
        408980006                           8/1/2021                       256.97                 25,000.00                   24,958.55
        408980007                           8/1/2021                       561.18                 64,000.00                   63,806.76
        408980009                           8/1/2021                       382.48                 34,600.00                   34,567.73
        408980016                           8/1/2021                       296.65                 28,050.00                   28,005.17
        408980019                           8/1/2021                        256.4                 25,400.00                   25,368.78
        408980020                           8/1/2021                     1,320.35                126,000.00                  125,861.49
        408980022                           8/1/2021                       414.54                 37,500.00                   37,465.03
        408980023                           8/1/2021                       357.51                 33,500.00                   33,465.14
        408980024                           8/1/2021                       570.85                 59,990.00                   58,970.58
        408980027                           8/1/2021                       438.42                 50,000.00                   49,910.21
        408980028                           8/1/2021                       710.88                 60,000.00                   59,940.44
        408980029                           8/1/2021                       373.55                 35,000.00                   34,963.57
        408980030                           8/1/2021                       432.02                 42,000.00                   41,951.20
        408980031                           8/1/2021                        307.4                 35,400.00                   35,334.85
        408980032                           8/1/2021                       211.88                 20,600.00                   20,565.94
        408980033                           8/1/2021                       398.21                 36,000.00                   35,966.50
        408980034                           8/1/2021                       663.26                 60,000.00                   59,944.06
        408980035                           8/1/2021                       260.88                 23,600.00                   23,538.03
        408980036                           8/1/2021                       332.78                 34,600.00                   34,551.29
        408980038                           8/1/2021                       505.05                 51,000.00                   50,933.86
        408980040                           8/1/2021                       751.69                 68,000.00                   67,936.62
        408980043                           8/1/2021                       557.22                 54,600.00                   54,535.04
        408980045                           8/1/2021                       212.97                 23,300.00                   23,262.36
        408980046                           8/1/2021                       364.06                 39,000.00                   38,940.46
        408980048                           8/1/2021                       513.93                 50,000.00                   49,941.75
        408980051                           8/1/2021                       553.07                 50,000.00                   49,953.48
        408980053                           8/1/2021                       359.75                 35,000.00                   34,959.23
        408980054                           8/1/2021                     1,373.20                133,600.00                  133,444.44
        408980055                           8/1/2021                       235.89                 22,950.00                   22,923.28
        408980056                           8/1/2021                       886.07                 90,520.00                   90,398.69
        408980057                           8/1/2021                        511.2                 58,300.00                   58,195.30
        408980058                           8/1/2021                       528.78                 53,400.00                   53,330.72
        408980060                           8/1/2021                       276.31                 32,860.00                   32,794.54
        408980061                           8/1/2021                        510.9                 51,000.00                   50,935.97
        408980062                           8/1/2021                       990.49                135,000.00                  134,633.95
        408980064                           8/1/2021                       703.05                 63,600.00                   63,540.72
        408980065                           8/1/2021                     1,083.84                113,900.00                  113,734.93
        408980066                           8/1/2021                       641.38                 62,400.00                   62,326.70
        408980067                           8/1/2021                       327.65                 30,700.00                   30,668.07
        408980068                           8/1/2021                       596.15                 58,000.00                   57,902.36
        408980069                           8/1/2021                       386.07                 36,200.00                   36,162.26
        408980070                          7/19/2026                       434.63                 37,100.00                   36,966.88
        408980071                           8/1/2021                        363.5                 38,200.00                   38,144.64
        408980072                           8/1/2021                        696.4                 62,998.00                   62,934.21
        408980073                           8/1/2021                        493.7                 48,000.00                   47,926.07
        408980075                           8/1/2021                       369.69                 32,000.00                   31,974.13
        408980076                           8/1/2026                        427.2                 38,800.00                   38,640.71
        408980077                           8/1/2021                       625.04                 71,980.00                   71,847.57
        408980079                          7/25/2021                     1,247.81                121,400.00                  121,258.61
        408980080                           8/1/2021                     1,065.76                112,000.00                  111,837.62
        408980081                          7/28/2021                     1,149.97                104,030.00                  103,933.06
        408980082                           8/1/2021                       311.02                 34,000.00                   33,945.20
        408980083                           8/1/2021                        575.6                 56,000.00                   55,924.66
        408980084                           8/1/2026                       511.98                 59,000.00                   58,616.45
        408980085                           8/1/2026                       451.91                 40,400.00                   40,239.59
        408980087                           8/1/2021                        454.4                 39,000.00                   38,967.54
        408980088                           8/1/2021                       840.66                 76,000.00                   75,929.30
        408980089                           8/1/2021                       455.18                 47,800.00                   47,720.75
        408980090                           8/1/2021                       719.01                 82,000.00                   81,852.73
        408980092                           8/1/2021                       227.77                 23,000.00                   22,970.17
        408980094                           8/1/2021                       705.63                 63,833.00                   63,773.48
        408980095                           8/1/2021                     1,387.72                122,000.00                  121,896.33
        408980096                           8/1/2026                       629.43                 57,200.00                   56,963.72
        408980097                           8/1/2021                       530.68                 51,980.00                   51,908.15
        408980098                           8/1/2021                     1,069.36                110,100.00                  109,945.96
        408980102                           8/1/2021                       852.61                 89,600.00                   89,470.14
        408980106                           8/1/2021                     1,310.16                132,300.00                  132,128.41
        408980107                           8/1/2026                        309.3                 35,000.00                   34,699.67
        408980108                           8/1/2021                       594.26                 60,008.00                   59,930.16
        408980110                           8/1/2021                       729.58                 66,000.00                   65,938.49
        408980111                           8/1/2021                       462.28                 48,580.00                   48,495.56
        408980112                           8/1/2021                        461.8                 39,000.00                   38,942.79
        408980114                           8/1/2021                       797.92                 91,000.00                   90,728.63
        408980116                           8/1/2021                        704.4                 66,000.00                   65,931.34
        408980117                           8/1/2021                       386.47                 37,600.00                   37,555.67
        408980120                           8/1/2021                        525.3                 61,800.00                   60,658.32
        408980121                           8/1/2021                       314.52                 30,600.00                   30,564.38
        408980122                           8/1/2021                     1,065.76                112,000.00                  111,837.68
        408980123                           8/1/2021                       761.07                 83,200.00                   83,065.97
        408980124                           8/1/2021                       660.95                 67,000.00                   66,912.12
        408980125                           8/1/2021                       767.16                 88,534.00                   88,370.22
        408980128                           8/1/2021                       300.97                 28,200.00                   28,170.66
        408980130                           8/1/2021                     1,569.70                142,000.00                  141,867.67
        408980131                           8/1/2021                     1,378.24                134,000.00                  133,844.28
        408980132                           8/1/2021                       295.67                 28,766.00                   28,732.50
        408980135                           8/1/2021                       427.36                 44,000.00                   43,939.72
        408980137                           8/1/2021                     1,185.26                111,137.00                  111,021.16
        408980139                           8/1/2021                       589.79                 61,980.00                   61,890.15
        408980140                           8/1/2021                       575.23                 52,000.00                   51,951.62
        408980141                           8/1/2026                       403.84                 35,000.00                   34,870.10
        408980143                           8/1/2021                          738                 71,800.00                   71,677.80
        408980144                           8/1/2021                       455.13                 44,250.00                   44,198.57
        408980145                           8/1/2021                       684.23                 74,800.00                   74,679.51
        408980146                           8/1/2021                       203.55                 21,390.00                   21,358.97
        408980147                           8/1/2021                       351.76                 34,200.00                   34,160.24
        408980148                           8/1/2021                       918.65                 83,104.00                   83,026.56
        408980149                           8/1/2021                       493.27                 51,800.00                   51,720.01
        408980150                           8/1/2021                     1,461.76                159,800.00                  159,542.60
        408980151                           8/1/2021                       751.27                100,000.00                   99,742.28
        408980152                           8/1/2021                       588.25                 61,819.00                   61,729.42
        408980154                           8/1/2021                       531.01                 66,000.00                   65,854.11
        408980156                           8/1/2021                       367.61                 47,808.00                   47,690.88
        408980157                           8/1/2021                       683.06                 77,900.00                   77,760.10
        408980160                           8/1/2021                       434.05                 42,200.00                   42,149.94
        408980163                           8/1/2021                       156.04                 18,100.00                   18,066.10
        408980165                           8/1/2021                       661.34                 69,500.00                   69,399.29
        408980166                           8/1/2021                       760.61                 74,000.00                   73,903.71
        408980167                           8/1/2021                       278.36                 29,252.00                   29,209.58
        408980168                           8/1/2021                       305.14                 34,800.00                   34,737.50
        408980169                           8/1/2021                       744.72                 73,000.00                   72,913.08
        408980170                           8/1/2021                       573.93                 58,000.00                   57,367.80
        408980171                           8/1/2021                       823.11                 86,500.00                   86,331.45
        408980173                           8/1/2021                       782.34                 79,000.00                   78,897.51
        408980174                           8/1/2021                       374.23                 35,090.00                   35,053.42
        408980176                           8/1/2021                       588.59                 60,600.00                   60,516.98
        408980177                           8/1/2021                       676.36                 74,000.00                   73,856.90
        408980180                           8/1/2021                       542.57                 55,000.00                   54,910.40
        408980181                           8/1/2021                       399.66                 42,000.00                   41,939.12
        408980185                           8/1/2021                          125                 13,500.00                   13,478.93
        408980186                           8/1/2021                       427.36                 44,000.00                   43,934.67
        408980187                           8/1/2026                       338.24                 28,872.00                   28,574.08
        408980188                           8/1/2021                       266.42                 22,500.00                   22,431.51
        408980192                           8/1/2021                        949.5                 97,000.00                   96,870.01
        408980194                           8/1/2021                       299.72                 36,240.00                   36,164.90
        408980196                           8/1/2021                       707.47                 64,000.00                   63,940.36
        408980197                           8/1/2021                       364.77                 43,380.00                   43,275.37
        408980199                           8/1/2021                       688.63                 70,900.00                   70,779.81
        408980200                           8/1/2021                       624.47                 65,625.00                   65,150.92
        408980201                           8/1/2021                       538.59                 52,400.00                   52,338.98
        408980202                           8/1/2016                       310.43                 23,500.00                   23,035.07
        408980204                           8/1/2021                       955.09                 86,400.00                   86,319.47
        408980205                           8/1/2021                       323.54                 34,000.00                   33,950.70
        408980206                           8/1/2021                       321.22                 37,790.00                   37,700.62
        408980207                          7/28/2021                       770.97                 69,700.00                   69,635.18
        408980208                           8/1/2021                       580.88                 61,000.00                   60,906.71
        408980209                           8/1/2021                       518.39                 55,000.00                   54,918.17
        408980211                           8/1/2021                       406.58                 36,780.00                   36,745.70
        408980215                           8/1/2021                       280.83                 28,000.00                   27,964.97
        408980217                           8/1/2021                       850.53                 97,000.00                   96,824.36
        408980219                           8/1/2021                       262.64                 27,600.00                   27,559.98
        408980220                           8/1/2021                       634.92                 57,400.00                   57,346.60
        408980221                           8/1/2021                       102.79                 10,000.00                    9,952.59
        408980222                           8/1/2021                       429.93                 41,800.00                   41,751.42
        408998344                           6/1/2021                       372.36                 46,800.00                   46,639.65
        408998346                           7/1/2036                       413.08                 46,580.00                   46,477.99
        408998348                           4/1/2021                       521.16                 61,980.00                   61,729.18
        408998364                           8/1/2021                        847.9                 84,000.00                   83,896.90
        408998373                           8/1/2021                       317.55                 38,600.00                   38,435.31
        408998376                           9/1/2036                       249.15                 29,000.00                   28,959.10
        409015840                           6/1/2021                       491.99                 61,200.00                   60,995.19
        409015912                          3/29/2026                     1,048.01                 90,000.00                   89,331.14
        409015913                          6/30/2026                     1,101.93                104,000.00                  102,426.33
        409015916                          7/12/2026                       966.02                104,000.00                  103,253.23
        409015917                          6/17/2026                       701.57                 61,750.00                   61,449.85
        409015919                          7/28/2026                       341.24                 35,000.00                   34,863.24
        409015924                          7/27/2026                       416.99                 40,134.00                   39,927.40
        409015925                          7/21/2026                       251.68                 27,000.00                   26,846.47
        409015926                          8/10/2026                     1,032.19                100,000.00                   99,650.25
        409015927                           8/1/2026                     1,173.76                112,600.00                  112,082.75
        409015928                           8/2/2026                       577.73                 54,000.00                   53,713.03
        409015929                          8/11/2026                       727.32                 66,900.00                   66,598.86
        409015930                           8/2/2026                       374.46                 35,000.00                   34,589.02
        409030015                           6/1/2036                     1,745.76                178,000.00                  177,640.76
        409030016                           6/1/2021                       703.36                 81,000.00                   80,774.62
        409030020                           7/1/2021                     1,105.91                113,000.00                  112,944.04
        409030022                           7/1/2036                       529.64                 49,400.00                   49,354.90
        409030030                           7/1/2021                       380.27                 42,000.00                   41,912.78
        409030033                           8/1/2036                       210.26                 22,300.00                   22,251.75
        409030035                           8/1/2021                       498.31                 58,000.00                   57,890.44
        409030036                           8/1/2021                     1,255.38                128,000.00                  127,829.40
        409030038                           9/1/2021                          896                102,100.00                  101,963.37
        409039395                           8/1/2036                       508.67                 65,400.00                   65,243.88
        409055782                           7/1/2026                       675.54                 73,550.00                   73,367.91
        409101756                           7/1/2021                       464.42                 60,400.00                   60,214.45
        409101757                           7/1/2021                       286.75                 32,000.00                   31,931.76
        409165843                           6/1/2036                       614.28                 62,633.00                   62,444.73
        409165846                           7/1/2036                       178.21                 14,553.00                   14,539.86
        409165847                           7/1/2036                       219.14                 28,500.00                   28,412.45
        409165848                           6/1/2021                       357.06                 38,250.00                   38,161.63
        409165849                           9/1/2021                     1,709.78                148,000.00                  147,910.91
        409165851                           9/1/2021                       750.87                 71,000.00                   70,943.37
        409165852                           8/1/2036                          282                 24,000.00                   23,981.69
        409165853                           7/1/2021                       323.01                 32,000.00                   31,624.40
        409165855                           9/1/2021                       470.23                 38,400.00                   38,381.08
        409165856                           9/1/2021                       666.77                 54,450.00                   52,233.69
        409165858                           9/1/2021                       673.26                 54,980.00                   54,952.91
        409165864                           9/1/2021                     1,037.81                 84,750.00                   84,708.26
        409165868                           9/1/2021                       204.11                 19,125.00                   19,110.18
        409165869                           9/1/2036                       855.63                 97,500.00                   97,369.53
        409165871                           9/1/2021                     1,294.32                113,000.00                  112,930.01
        409165873                           9/1/2036                       955.81                 88,750.00                   88,683.04
        409165879                           9/1/2036                       456.83                 44,000.00                   43,962.88
        409165880                           9/1/2021                          523                 47,700.00                   47,665.98
        409165882                           9/1/2021                       366.13                 45,000.00                   44,927.63
        409165884                           9/1/2036                     1,910.31                156,000.00                  155,923.14
        409165887                           9/1/2021                       494.75                 53,000.00                   52,939.58
        409165889                           9/1/2036                     1,959.29                160,000.00                  159,921.18
        409165891                           9/1/2036                       223.91                 18,285.00                   18,275.81
        409165892                           9/1/2036                       232.72                 23,500.00                   23,477.25
        409165893                           9/1/2036                       885.49                 76,000.00                   75,955.53
        409165895                           9/1/2036                       567.04                 66,000.00                   64,915.93
        409165897                           9/1/2036                       956.44                 81,400.00                   81,353.71
        409165899                           9/1/2021                       264.94                 26,000.00                   25,876.83
        409165900                           9/1/2021                       760.77                 72,600.00                   72,540.45
        409165901                           9/1/2021                       651.35                 62,158.00                   62,107.02
        409165902                           9/1/2021                     1,282.67                119,100.00                  119,010.14
        409165904                           9/1/2021                     1,234.34                120,000.00                  119,895.95
        409165905                           9/1/2021                       943.11                 90,000.00                   89,926.17
        409165907                           9/1/2021                        540.6                 58,500.00                   58,431.51
        409165908                           9/1/2036                       648.77                 52,980.00                   52,953.90
        409165909                           9/1/2021                     1,112.87                106,200.00                  106,112.88
        409165910                           9/1/2021                     1,609.52                145,500.00                  145,399.11
        409165912                           9/1/2021                       652.66                 59,000.00                   58,959.08
        409165913                           9/1/2036                       713.86                 67,500.00                   67,446.15
        409165915                           9/1/2036                       302.42                 35,200.00                   35,150.34
        409165916                           9/1/2021                     1,229.29                104,622.00                  103,321.69
        409165917                           9/1/2021                     2,446.66                199,800.00                  199,701.59
        409165919                           9/1/2021                       184.29                 21,000.00                   20,971.89
        409165920                           9/1/2036                       433.51                 46,440.00                   46,386.08
        409165921                           9/1/2036                       784.96                 83,250.00                   83,157.65
        409165925                           9/1/2021                     1,087.56                127,950.00                  127,764.64
        409165926                           9/1/2036                       737.89                 62,800.00                   62,764.30
        409165927                           9/1/2021                       539.78                 70,200.00                   70,071.51
        409165929                           9/1/2036                       267.74                 22,980.00                   22,966.56
        409165930                           9/1/2036                       507.63                 48,000.00                   47,961.72
        409165931                           9/1/2021                       341.52                 34,822.00                   34,787.37
        409165932                           9/1/2021                       663.71                 71,100.00                   71,018.97
        409192787                           8/1/2021                       317.69                 44,200.00                   44,200.00
        409217292                           7/1/2021                       270.71                 29,000.00                   28,944.43
        409217293                           7/1/2021                     1,444.58                190,500.00                  189,896.56
        409217295                           9/1/2021                       551.88                 62,940.00                   62,855.59
        409217297                           9/1/2021                       248.89                 22,500.00                   22,459.41
        409278089                           9/1/2021                       524.48                 60,400.00                   60,317.01
        409278090                           9/1/2036                     1,182.69                116,064.00                  114,717.71
        409278091                           9/1/2021                       627.18                 73,000.00                   72,897.01
        409331016                           8/1/2021                       634.92                 62,900.00                   62,822.76
        409331017                           8/1/2021                        405.2                 55,485.00                   55,333.06
        409331018                           8/1/2021                       455.43                 41,200.00                   41,161.62
        409331019                           8/1/2021                       840.33                 74,000.00                   73,936.80
        409331020                           8/1/2021                       355.34                 33,600.00                   33,561.40
        409331023                           8/1/2021                       497.94                 40,400.00                   40,086.72
        409331026                           9/1/2036                        297.5                 35,000.00                   34,949.28
        409331028                           9/1/2021                       209.68                 18,150.00                   18,138.75
        409331029                           9/1/2021                       789.85                100,400.00                  100,225.43
        409331032                           9/1/2021                       894.84                 78,800.00                   78,749.80
        409331033                          10/1/2026                       311.17                 34,000.00                   33,900.88
        409331035                           9/1/2021                        167.4                 15,000.00                   14,989.88
        409331038                           9/1/2021                       289.77                 27,400.00                   27,368.15
        409331039                           9/1/2021                     1,378.64                140,000.00                  138,830.85
        409331041                           9/1/2021                     1,449.06                157,520.00                  156,061.26
        409331043                           9/1/2021                       252.21                 22,600.00                   22,584.77
        409331045                          10/1/2021                       746.96                 74,000.00                   73,955.02
        409331049                           9/1/2026                       465.65                 38,000.00                   37,908.26
        409331050                           9/1/2021                       544.72                 47,968.00                   47,937.43
        409331052                           9/1/2021                     1,241.57                123,000.00                  122,887.32
        409331054                           9/1/2021                       147.31                 13,200.00                   13,191.10
        409331056                           9/1/2021                       794.91                 70,000.00                   69,939.96
        409331057                          10/1/2021                       356.95                 34,380.00                   34,360.76
        409829658                           5/1/2023                       356.12                 32,600.00                   30,729.09
        409829691                           6/1/2018                       472.82                 46,400.00                   45,693.29
        409829708                          6/10/2018                        358.6                 33,600.00                   33,141.11
        409829721                           7/1/2023                       359.46                 30,700.00                   29,275.60
        409829734                           7/1/2018                     1,140.81                103,128.00                  101,918.42
        409829765                           6/1/2018                       125.94                 18,011.00                   15,638.62
        409829776                           5/1/2018                       218.82                 24,675.00                   24,113.14
        409829780                           5/1/2018                        79.57                 10,000.00                    9,380.97
        409829781                           5/1/2018                       331.49                 26,200.00                   23,607.36
        409829793                           7/1/2018                       271.61                 24,400.00                   21,667.61
        409829795                           7/1/2018                       205.89                 20,600.00                   17,936.79
        409829803                           6/1/2018                       122.28                 12,000.00                   10,348.72
        409829813                           6/1/2018                       232.31                 21,000.00                   20,744.95
        409829814                           5/1/2018                       229.06                 29,450.00                   28,577.53
        409829817                           6/1/2018                       499.91                 48,600.00                   47,843.10
        409829823                           6/1/2018                       693.72                 65,000.00                   63,980.05
        409829833                           6/1/2018                       354.54                 32,050.00                   22,107.67
        409829840                           7/1/2018                       137.76                 19,000.00                   18,387.29
        409829842                           6/1/2018                        159.6                 14,438.00                   12,748.72
        409829849                           6/1/2018                       164.47                 15,000.00                    4,832.46
        409829851                           7/1/2018                       174.83                 18,000.00                   17,226.42
        409829865                           6/1/2018                       272.15                 25,500.00                   25,157.86
        409829867                           7/1/2018                       193.47                 21,150.00                   10,987.33
        409829870                           6/1/2018                       139.53                 11,100.00                   10,022.79
        409829881                           7/1/2033                       122.08                 11,650.00                   11,490.48
        409829886                           6/1/2018                       163.05                 16,000.00                   13,983.80
        409829890                           7/1/2018                       102.58                 13,815.00                   10,982.96
        409829898                           7/1/2018                     1,580.98                186,000.00                  180,367.91
        409829902                           7/1/2033                       472.98                 56,250.00                   54,853.99
        409829912                          5/12/2018                     1,208.22                100,000.00                   89,714.90
        409829913                           6/1/2023                       319.31                 29,000.00                   27,479.40
        409829915                           7/1/2018                        82.27                 10,000.00                    9,746.37
        409829920                           4/1/2018                       148.23                 13,400.00                   12,886.57
        409829924                           4/1/2018                       167.18                 13,300.00                   11,705.15
        409829926                           7/1/2018                       341.51                 39,750.00                   38,833.82
        409829935                           7/1/2023                       178.93                 21,000.00                   18,810.96
        409829964                           7/1/2018                       246.51                 20,000.00                   17,964.31
        409829966                           7/1/2018                       103.84                 13,200.00                   12,838.69
        409829967                           7/1/2018                       307.84                 34,000.00                   33,320.44
        409829970                           7/1/2018                       170.51                 24,995.00                   24,068.24
        409829995                           6/1/2018                       278.48                 35,000.00                   31,882.57
        409830001                           7/1/2033                       148.49                 17,100.00                   16,479.02
        409830005                           7/1/2018                        90.51                 10,100.00                    9,823.35
        409830025                           7/1/2023                        176.1                 15,500.00                   14,720.44
        409830038                           8/1/2033                       176.27                 20,300.00                   19,865.46
        409830046                           8/1/2018                       997.73                124,000.00                  118,813.51
        409830067                           8/1/2018                       274.42                 25,000.00                   21,739.69
        409830079                           8/1/2033                       416.81                 48,000.00                   46,971.84
        409830094                           9/1/2018                       200.36                 18,645.00                   16,581.96
        409830098                          10/1/2018                        91.93                 11,425.00                   11,151.69
        409830103                           9/1/2018                       336.27                 33,000.00                   32,540.71
        409830105                           9/1/2018                       187.84                 17,600.00                   17,384.53
        409830108                          10/1/2018                       226.18                 21,193.00                   20,941.90
        409830120                          10/1/2018                        131.4                 17,490.00                   16,991.65
        409830121                          10/1/2033                       187.18                 23,793.00                   23,196.04
        409830164                           4/1/2018                       175.09                 18,400.00                   17,046.13
        409830200                           5/1/2018                       147.71                 15,000.00                   12,924.19
        409830265                           4/1/2023                        245.5                 26,900.00                   24,752.07
        500858626                           9/1/2026                       195.73                 21,600.00                   21,503.48
        500858627                           9/1/2026                       179.27                 18,450.00                   18,375.28
        500858628                           9/1/2021                       266.28                 26,400.00                   26,375.76
        500858629                           9/1/2021                          249                 27,000.00                   26,968.22
        500858630                           9/1/2021                       295.94                 31,960.00                   31,922.80
        500858632                           9/1/2021                       355.09                 40,980.00                   40,923.40
        500858633                           9/1/2021                       579.15                 51,000.00                   50,967.51
        500858637                           9/1/2021                       240.64                 25,800.00                   25,767.33
        500858638                           9/1/2021                       381.39                 38,000.00                   37,963.38
        500858639                           9/1/2021                       389.68                 48,000.00                   47,922.38
        500858640                           9/1/2021                       464.61                 52,500.00                   52,231.22
        500858641                           9/1/2021                       424.22                 46,000.00                   45,945.87
        500858642                           9/1/2021                       593.54                 51,730.00                   51,698.14
        500858643                           9/1/2021                       250.67                 21,735.00                   21,721.83
        500858644                           9/1/2021                        274.8                 32,400.00                   32,347.54
        500858645                           9/1/2021                       597.76                 59,900.00                   59,843.27
        500858646                           9/1/2021                       864.68                 80,000.00                   79,940.33
        500858647                           9/1/2021                       374.97                 41,500.00                   41,448.46
        500858649                           9/1/2021                       592.07                 64,200.00                   64,124.43
        500858650                           9/1/2021                       254.28                 29,980.00                   29,936.33
        500858651                           9/1/2021                       286.68                 33,800.00                   33,750.77
        500858652                           9/1/2021                       396.52                 33,577.00                   33,552.76
        700299053                          10/1/2021                       261.12                 27,150.00                   27,131.08
        700318028                          10/1/2021                       250.17                 20,766.00                   20,758.81
        700326214                           9/1/2036                       749.82                 69,000.00                   68,949.39
        700327527                          10/1/2021                          300                 31,192.00                   31,170.26
        700339987                           9/1/2021                       182.95                 20,000.00                   19,975.94
        700343773                          10/1/2021                     1,085.88                 93,200.00                   93,163.87
        700344182                           9/1/2021                       277.26                 23,400.00                   23,387.07
        700351638                          10/1/2021                       260.81                 24,000.00                   23,988.32
        700352804                           9/1/2036                       344.91                 36,580.00                   36,539.42
        700354084                          10/1/2021                       507.98                 58,500.00                   58,446.60
        700354095                           9/1/2021                       663.65                 63,920.00                   63,865.38
        700355962                           9/1/2021                       353.87                 43,980.00                   43,783.56
        700356955                          10/1/2036                     1,048.08                 87,000.00                   86,966.05
        700358202                           9/1/2021                       658.42                 71,250.00                   71,166.59
        700358373                           9/1/2036                       534.56                 53,980.00                   53,927.75
        700359651                           9/1/2036                       652.96                 76,000.00                   75,892.75
        700361363                           9/1/2021                       538.57                 46,225.00                   46,197.97
        700362395                           9/1/2021                       395.91                 47,600.00                   47,527.34
        700364671                           9/1/2036                        96.18                 10,000.00                    9,989.49
        700364974                           9/1/2021                        205.7                 19,100.00                   19,085.60
        700365923                           9/1/2036                        86.83                 10,000.00                    9,986.27
        700367115                           9/1/2036                       163.92                 15,500.00                   15,487.64
        700367519                           9/1/2021                       669.48                 70,300.00                   70,222.56
        700369212                          10/1/2036                       554.01                 63,800.00                   63,741.78
        700369468                           9/1/2036                       163.83                 17,550.00                   17,529.99
        700370063                           9/1/2026                       384.45                 44,300.00                   44,086.52
        700370100                           9/1/2021                       193.11                 24,000.00                   23,758.12
        700370306                           9/1/2036                       850.71                 93,000.00                   92,888.15
        700370526                           9/1/2021                       592.47                 61,000.00                   60,936.04
        700371292                           9/1/2021                       307.84                 34,000.00                   33,958.00
        700371317                           9/1/2021                       706.18                 77,200.00                   77,107.15
        700371692                           9/1/2021                        137.3                 12,080.00                   11,999.56
        700371817                           9/1/2021                       150.18                 13,586.00                   13,491.27
        700372419                           9/1/2021                       765.45                 82,000.00                   81,906.57
        700372482                           9/1/2021                       272.59                 29,800.00                   29,764.17
        700374401                           9/1/2036                       149.65                 14,150.00                   14,138.69
        700374827                           9/1/2036                       445.63                 45,000.00                   44,956.44
        700374850                           9/1/2021                       915.22                112,485.00                  112,304.03
        700375603                           9/1/2021                       537.66                 60,000.00                   59,923.88
        700376684                           9/1/2021                       956.05                110,100.00                  109,948.60
        700376954                           9/1/2021                     1,042.02                120,000.00                  119,835.09
        700377268                           9/1/2021                     1,454.44                159,000.00                  158,808.77
        700377523                          10/1/2021                       419.88                 42,400.00                   42,372.77
        700377544                           9/1/2021                       461.47                 58,000.00                   57,900.14
        700378087                           9/1/2021                       653.44                 70,000.00                   69,920.22
        700378316                           9/1/2021                       305.66                 35,200.00                   35,151.63
        700378485                           9/1/2021                       184.59                 23,200.00                   23,160.69
        700378509                           9/1/2036                       513.64                 70,000.00                   69,857.78
        700379105                          10/1/2021                       403.61                 48,000.00                   47,952.59
        700379190                           9/1/2036                       466.74                 50,000.00                   49,943.03
        700379390                          10/1/2036                       604.61                 64,769.00                   64,720.00
        700379567                           8/1/2036                       302.03                 35,920.00                   35,848.51
        700379687                           9/1/2021                       573.13                 80,000.00                   79,521.92
        700379796                           8/1/2036                       279.35                 31,500.00                   31,445.03
        700379946                           9/1/2021                       155.82                 15,735.00                   15,705.54
        700380223                           9/1/2021                        867.1                104,250.00                  103,286.12
        700380602                           8/1/2021                       871.02                 78,740.00                   78,666.81
        700381296                           9/1/2036                       792.16                 86,600.00                   86,495.87
        700381522                           9/1/2036                       412.23                 53,000.00                   52,905.45
        700382045                          10/1/2036                       681.44                 73,000.00                   72,944.79
        700382200                           9/1/2036                       606.62                 67,000.00                   66,886.98
        700382404                          10/1/2021                          819                 86,000.00                   85,938.38
        700382576                           9/1/2021                       639.96                 67,200.00                   67,127.46
        700382616                           9/1/2021                        713.3                 70,000.00                   69,937.61
        700382765                           9/1/2021                       699.43                 77,250.00                   77,154.56
        700383200                           9/1/2021                       547.25                 72,000.00                   71,864.81
        700383211                           9/1/2021                        186.7                 20,000.00                   19,251.46
        700383472                          10/1/2021                       530.17                 44,175.00                   43,997.28
        700383489                           9/1/2021                          197                 18,800.00                   18,784.59
        700383502                           9/1/2036                       719.68                 71,980.00                   71,912.23
        700383893                          10/1/2021                       215.64                 17,900.00                   17,893.81
        700383977                           9/1/2021                       719.68                 71,980.00                   71,912.23
        700384101                           9/1/2021                       476.08                 51,000.00                   50,941.74
        700384298                           9/1/2021                       645.61                 72,800.00                   72,540.58
        700384750                           8/1/2026                       172.69                 17,895.00                   17,799.55
        700384803                           9/1/2021                       426.23                 54,800.00                   54,702.24
        700384836                          10/1/2021                       736.99                 84,873.00                   84,795.57
        700385273                           9/1/2021                       460.22                 58,500.00                   58,398.29
        700385390                           9/1/2021                       826.46                 85,091.00                   85,004.00
        700385455                           9/1/2021                       419.02                 51,500.00                   51,417.16
        700385462                          10/1/2021                       767.51                 70,000.00                   69,966.68
        700385725                           9/1/2021                       206.61                 19,536.00                   19,520.41
        700385741                           9/1/2021                       511.36                 65,000.00                   64,886.98
        700385929                           9/1/2021                       103.66                 12,600.00                   12,578.19
        700385934                           9/1/2021                        628.5                 62,860.00                   62,800.81
        700385937                           8/1/2021                       384.24                 44,250.00                   44,168.61
        700386120                           9/1/2021                     1,194.10                107,000.00                  106,917.63
        700386175                           9/1/2021                       161.44                 19,200.00                   19,171.46
        700386350                           9/1/2036                       609.62                 55,600.00                   55,560.34
        700386363                           9/1/2021                       243.74                 27,200.00                   27,165.49
        700386471                           9/1/2021                       935.66                 98,250.00                   98,143.93
        700386564                           9/1/2021                       697.74                 74,000.00                   73,917.92
        700386731                           9/1/2021                       465.11                 53,000.00                   52,929.08
        700386741                           9/1/2021                       800.44                 75,000.00                   74,941.83
        700386871                           9/1/2036                       941.53                 89,850.00                   89,776.32
        700386887                           8/1/2036                       182.77                 20,827.00                   20,789.69
        700387012                          10/1/2021                       759.45                 84,750.00                   84,678.61
        700387029                          10/1/2021                       363.82                 40,600.00                   40,565.80
        700387140                          10/1/2021                       396.13                 40,785.00                   40,757.33
        700387288                           9/1/2021                       706.22                 78,000.00                   77,903.63
        700387384                           9/1/2021                       415.79                 54,075.00                   53,469.82
        700387385                           9/1/2021                       186.32                 18,285.00                   18,268.72
        700387621                           9/1/2021                       460.24                 51,360.00                   51,294.83
        700387639                           9/1/2021                       164.73                 16,166.00                   16,151.60
        700387662                           8/1/2021                       540.02                 52,500.00                   52,439.01
        700387754                           9/1/2021                       479.33                 46,600.00                   46,559.61
        700387815                          10/1/2021                       944.23                 78,380.00                   78,352.90
        700388007                          10/1/2021                     1,609.28                155,000.00                  154,913.30
        700388060                           9/1/2021                       664.07                 76,475.00                   76,369.91
        700388083                           8/1/2036                       576.32                 54,000.00                   53,914.44
        700388207                          10/1/2021                       400.65                 41,250.00                   41,222.01
        700388371                           9/1/2026                     1,522.84                150,000.00                  149,457.91
        700388388                          10/1/2021                       351.55                 35,500.00                   35,477.21
        700388490                           9/1/2021                        753.8                 68,750.00                   68,700.97
        700388694                           9/1/2021                          724                 82,500.00                   82,389.59
        700388696                           9/1/2021                       652.93                 57,998.00                   57,959.98
        700388801                           9/1/2021                       127.53                 14,085.00                   14,067.60
        700388867                           9/1/2021                       543.99                 64,000.00                   63,904.23
        700388965                           9/1/2021                     2,059.81                193,000.00                  192,850.27
        700389006                           9/1/2021                        787.7                 87,000.00                   86,892.54
        700389039                           9/1/2021                       380.86                 40,800.00                   40,753.22
        700389042                           9/1/2021                       339.53                 37,500.00                   37,453.67
        700389137                           9/1/2021                       242.82                 25,000.00                   24,974.44
        700389290                           9/1/2036                       638.67                 73,550.00                   73,448.60
        700389316                           9/1/2021                       197.96                 23,800.00                   23,757.49
        700389320                           9/1/2021                       531.86                 61,250.00                   61,165.85
        700389346                           9/1/2021                     2,094.89                241,250.00                  240,918.48
        700389682                           9/1/2036                       930.66                 88,000.00                   87,929.80
        700389834                           9/1/2021                       841.85                 88,400.00                   88,304.57
        700389876                           9/1/2021                       606.11                 69,800.00                   69,704.07
        700389959                           9/1/2036                        457.3                 48,500.00                   48,446.21
        700389983                           9/1/2021                        273.7                 34,400.00                   34,341.72
        700390000                           9/1/2021                       214.79                 20,125.00                   20,109.38
        700390030                           9/1/2021                       736.87                 73,000.00                   72,933.12
        700390087                           9/1/2021                       754.04                 78,400.00                   78,317.62
        700390101                           9/1/2021                        192.7                 16,400.00                   16,348.44
        700390194                           9/1/2021                       600.39                 67,000.00                   66,914.98
        700390288                           9/1/2036                       459.02                 48,200.00                   48,125.02
        700390464                           9/1/2021                       197.45                 22,500.00                   22,469.90
        700390508                           9/1/2021                       124.98                 12,150.00                   12,139.46
        700390512                           9/1/2021                       249.13                 26,160.00                   26,131.75
        700390629                           9/1/2021                       563.32                 70,800.00                   70,680.03
        700390677                          10/1/2021                       620.58                 56,600.00                   56,572.82
        700390728                           9/1/2021                       273.63                 36,000.00                   35,932.39
        700391171                           8/1/2021                     1,316.38                119,000.00                  118,635.78
        700391266                           9/1/2021                       246.84                 25,920.00                   25,892.03
        700391295                           9/1/2021                       406.98                 57,500.00                   57,374.35
        700391346                           9/1/2036                       267.44                 28,650.00                   28,617.36
        700391406                           9/1/2021                     1,074.51                 98,000.00                   97,478.85
        700391433                           9/1/2021                          324                 29,550.00                   29,528.92
        700391435                           9/1/2036                       690.35                 83,000.00                   82,873.28
        700391512                           9/1/2021                       307.58                 31,980.00                   31,638.81
        700391523                           9/1/2021                       259.86                 23,700.00                   23,683.08
        700391602                           9/1/2021                       248.58                 26,900.00                   26,868.52
        700391617                           9/1/2021                       124.99                 11,400.00                   11,391.87
        700391754                          10/1/2021                       235.44                 28,000.00                   27,972.35
        700391960                           9/1/2036                        667.5                 61,425.00                   61,379.94
        700392015                           9/1/2021                     1,153.04                127,350.00                  127,192.67
        700392076                           8/1/2036                       369.08                 38,000.00                   37,846.22
        700392136                           9/1/2021                       305.77                 43,200.00                   43,105.59
        700392165                           9/1/2021                       756.54                 69,000.00                   68,950.79
        700392174                           9/1/2021                        314.5                 37,000.00                   36,946.39
        700392381                           9/1/2021                       184.49                 17,445.00                   17,431.09
        700392592                          10/1/2021                       501.28                 54,800.00                   54,756.25
        700392629                          10/1/2021                       492.51                 47,000.00                   46,974.43
        700392640                           9/1/2036                       230.88                 25,500.00                   25,479.09
        700392716                           9/1/2021                       434.36                 38,250.00                   38,225.64
        700392732                           9/1/2036                          357                 42,000.00                   41,939.13
        700392745                          10/1/2021                       186.09                 17,758.00                   17,748.33
        700392777                           8/1/2021                       392.93                 45,735.00                   45,648.62
        700392890                          10/1/2021                       312.83                 26,850.00                   26,679.07
        700392919                          10/1/2021                       789.77                 74,000.00                   73,961.93
        700392990                           9/1/2036                        594.9                 59,500.00                   59,423.59
        700393016                           9/1/2021                       242.21                 31,500.00                   31,442.33
        700393088                           9/1/2021                       965.15                 93,830.00                   93,748.64
        700393107                          10/1/2021                       504.51                 60,000.00                   59,940.75
        700393146                          10/1/2021                       672.33                 73,500.00                   73,441.34
        700393172                           9/1/2021                       750.29                 76,500.00                   76,273.34
        700393298                           9/1/2021                       735.79                 74,300.00                   74,227.85
        700393313                           9/1/2036                       581.11                 53,000.00                   52,885.59
        700393339                           9/1/2036                       375.95                 45,200.00                   45,131.00
        700393384                           9/1/2021                       344.19                 32,250.00                   32,224.98
        700393529                           9/1/2021                       243.96                 27,800.00                   27,762.81
        700393564                          10/1/2021                        614.3                 70,000.00                   69,937.81
        700393626                           9/1/2021                       739.28                 80,000.00                   79,906.33
        700393724                          10/1/2021                       511.08                 54,750.00                   54,708.59
        700394137                           9/1/2021                       604.64                 57,700.00                   57,652.66
        700394217                           9/1/2021                       244.09                 30,000.00                   29,951.74
        700394222                           9/1/2021                        265.4                 26,800.00                   26,774.05
        700394407                           9/1/2021                       797.36                 98,000.00                   97,842.35
        700394516                           9/1/2021                       397.82                 50,000.00                   49,913.08
        700394521                           9/1/2021                       305.67                 36,750.00                   36,693.88
        700394545                           9/1/2021                       293.77                 33,475.00                   33,430.19
        700394565                          11/1/2021                     1,520.92                126,250.00                  126,228.30
        700394628                          10/1/2021                       897.86                 89,800.00                   89,743.89
        700394710                           9/1/2021                       616.18                 74,900.00                   74,780.97
        700394738                           9/1/2021                       771.78                 97,000.00                   96,835.64
        700394919                          10/1/2036                       135.53                 11,250.00                   11,246.10
        700395093                           8/1/2021                       284.77                 35,000.00                   34,924.65
        700395180                           9/1/2036                       532.08                 57,000.00                   56,935.05
        700395245                          10/1/2021                     1,118.51                 96,000.00                   95,962.77
        700395421                           9/1/2021                       317.32                 39,000.00                   38,934.55
        700395494                          10/1/2021                       399.84                 52,000.00                   52,000.00
        700395526                          10/1/2021                       395.51                 42,800.00                   42,766.75
        700395533                           9/1/2021                       521.01                 60,000.00                   59,917.55
        700395746                          10/1/2021                     2,213.71                190,000.00                  189,926.32
        700395763                           9/1/2036                       521.01                 60,000.00                   59,917.55
        700395780                           9/1/2021                       792.03                 84,000.00                   83,488.99
        700395811                           9/1/2021                       599.33                 64,856.00                   64,780.08
        700395867                           9/1/2021                       265.69                 25,830.00                   25,807.61
        700395958                           9/1/2021                       424.74                 48,400.00                   48,335.24
        700395984                           9/1/2021                       376.36                 42,000.00                   41,946.72
        700396064                           9/1/2021                        418.2                 44,800.00                   44,748.94
        700396082                           9/1/2026                       772.22                 73,000.00                   72,756.99
        700396131                           9/1/2021                       716.68                 71,000.00                   70,692.59
        700396142                           9/1/2021                       880.22                 81,000.00                   80,940.60
        700396169                           9/1/2021                       347.34                 40,000.00                   39,763.54
        700396189                           9/1/2036                       445.63                 45,000.00                   44,956.44
        700396208                           8/1/2036                       762.67                 86,000.00                   85,849.94
        700396270                           9/1/2021                       325.63                 34,883.00                   34,843.18
        700396303                           9/1/2036                        256.9                 27,800.00                   27,767.45
        700396441                           9/1/2036                       201.22                 20,125.00                   20,106.04
        700396750                           9/1/2021                       489.77                 53,000.00                   52,937.96
        700396756                          10/1/2036                       197.79                 23,780.00                   23,755.89
        700396767                           9/1/2021                       301.58                 31,050.00                    1,598.45
        700396906                           9/1/2021                        285.7                 30,000.00                   29,967.60
        700397067                           9/1/2021                        519.9                 52,500.00                   52,449.18
        700397097                           9/1/2021                       153.35                 14,500.00                   14,488.42
        700397285                          10/1/2021                        788.3                 93,750.00                   93,657.41
        700397360                           9/1/2021                       234.36                 21,000.00                   20,985.83
        700397428                           9/1/2021                          322                 31,900.00                   31,870.77
        700397485                           9/1/2021                     1,406.72                162,000.00                  161,777.40
        700397566                          10/1/2021                     1,709.78                148,000.00                  147,940.94
        700397670                          10/1/2021                       916.72                101,250.00                  101,166.98
        700397701                           9/1/2021                       673.72                 81,000.00                   80,876.31
        700397745                           9/1/2036                       384.95                 36,400.00                   36,370.99
        700398256                           9/1/2021                       906.85                101,200.00                  101,071.31
        700398652                           9/1/2021                       519.44                 47,800.00                   47,764.94
        700398789                           9/1/2021                       492.51                 47,000.00                   46,961.45
        700398846                           9/1/2036                       537.45                 57,000.00                   56,936.76
        700399043                           9/1/2021                       728.12                 78,000.00                   77,870.89
        700399165                           9/1/2036                       424.93                 42,500.00                   42,459.98
        700399256                           9/1/2036                       827.46                 97,350.00                   97,208.98
        700399306                          10/1/2021                       286.56                 33,000.00                   32,969.88
        700399379                           9/1/2036                       336.34                 40,000.00                   39,940.51
        700399555                          10/1/2021                       640.21                 71,444.00                   71,383.82
        700399650                           9/1/2021                     1,047.90                100,000.00                   99,917.87
        700399678                           9/1/2036                       466.74                 50,000.00                   49,943.03
        700399777                          10/1/2021                       835.75                 69,375.00                   69,351.02
        700399863                           9/1/2021                       290.46                 33,450.00                   33,002.40
        700399899                           9/1/2021                        327.3                 36,150.00                   36,105.36
        700399982                           9/1/2021                       298.15                 31,000.00                   30,967.45
        700400425                          10/1/2021                       114.06                 11,300.00                   11,256.85
        700400556                          10/1/2036                       978.64                123,000.00                  122,459.75
        700400873                           9/1/2021                       649.65                 72,497.00                   72,405.01
        700400901                          10/1/2021                       239.36                 27,275.00                   27,250.76
        700400965                           9/1/2021                       156.42                 17,100.00                   17,079.45
        700401089                           9/1/2021                     1,734.41                164,000.00                  163,869.18
        700401200                          10/1/2021                       889.36                 79,000.00                   78,965.67
        700401222                           9/1/2036                       429.65                 54,000.00                   53,908.50
        700401302                           9/1/2021                     1,128.56                128,600.00                  128,427.89
        700401422                          10/1/2021                       662.77                 71,000.00                   70,946.30
        700401446                           9/1/2021                       866.15                 85,000.00                   84,904.05
        700401455                          10/1/2021                       590.48                 68,000.00                   67,937.95
        700401592                           9/1/2021                       262.45                 26,000.00                   25,975.60
        700401600                          10/1/2021                       485.41                 52,000.00                   51,960.67
        700401782                           9/1/2021                       650.59                 69,000.00                   68,923.47
        700401849                           9/1/2036                       308.05                 33,000.00                   32,962.38
        700401853                          10/1/2021                       296.95                 25,925.00                   25,914.36
        700401874                           9/1/2021                        423.9                 41,600.00                   41,562.94
        700401920                           9/1/2021                       398.23                 36,000.00                   35,975.04
        700401957                           9/1/2021                       318.23                 30,040.00                   29,783.96
        700401961                           9/1/2021                       579.98                 65,400.00                   65,314.78
        700402182                          10/1/2021                        953.9                 87,000.00                   86,958.86
        700402265                           9/1/2021                       697.39                 69,750.00                   69,684.30
        700402409                           9/1/2036                       221.46                 20,020.00                   20,006.11
        700402444                           9/1/2021                       280.46                 35,250.00                   35,190.29
        700402483                           9/1/2021                       217.52                 30,000.00                   29,937.66
        700402529                           9/1/2021                       159.29                 14,400.00                   14,390.02
        700402686                           9/1/2021                     2,409.37                200,000.00                  199,895.66
        700402712                           9/1/2021                       419.12                 40,746.00                   40,710.67
        700402779                          10/1/2021                        710.8                 66,000.00                   65,966.97
        700402786                           9/1/2021                       458.45                 51,160.00                   51,095.07
        700402991                           9/1/2021                       163.97                 19,500.00                   19,470.99
        700403083                          10/1/2021                       575.84                 47,800.00                   47,783.48
        700403136                           9/1/2021                       263.52                 26,610.00                   26,584.23
        700403174                          10/1/2021                     1,038.82                 97,335.00                   97,284.92
        700403175                          10/1/2021                       690.78                 74,000.00                   73,944.03
        700403225                          10/1/2021                       329.74                 34,625.00                   34,398.76
        700403227                          10/1/2021                       382.52                 35,200.00                   35,182.87
        700403354                           9/1/2021                       618.26                 59,000.00                   58,951.60
        700403413                           9/1/2021                       584.73                 55,800.00                   55,754.21
        700403488                          10/1/2021                       809.95                 85,050.00                   84,989.08
        700403558                          10/1/2021                       878.67                100,125.00                  100,013.36
        700403568                           9/1/2021                     1,222.85                140,825.00                  140,631.49
        700403587                           9/1/2021                     1,445.45                141,850.00                  141,723.57
        700403721                          10/1/2021                       597.66                 56,000.00                   55,971.19
        700403752                          10/1/2036                       288.25                 33,550.00                   33,518.56
        700403806                          10/1/2021                        195.8                 17,700.00                   17,691.86
        700403815                          10/1/2021                       141.55                 11,750.00                   11,745.94
        700403831                          10/1/2021                       163.23                 18,600.00                   18,583.47
        700403876                          10/1/2021                     1,110.75                125,250.00                  125,141.64
        700404027                          10/1/2021                       489.93                 42,050.00                   42,033.69
        700404102                          10/1/2021                       324.39                 36,200.00                   36,169.51
        700404318                           9/1/2036                        816.2                 79,350.00                   79,281.21
        700404352                           9/1/2021                       494.95                 56,400.00                   56,324.52
        700404607                           9/1/2021                       292.42                 27,650.00                   27,627.94
        700404641                          10/1/2021                     1,575.71                145,000.00                  144,929.46
        700404756                           9/1/2021                       163.24                 19,000.00                   18,973.19
        700404807                           9/1/2021                       468.91                 54,000.00                   53,925.79
        700404867                           9/1/2036                       427.98                 42,000.00                   41,962.56
        700404897                           9/1/2021                       224.45                 17,625.00                   17,528.93
        700404907                          10/1/2021                       755.36                 63,750.00                   63,726.64
        700405023                           9/1/2021                       321.69                 31,274.00                   31,246.88
        700405033                           9/1/2021                        585.3                 66,000.00                   65,914.01
        700405038                          10/1/2021                       640.89                 60,600.00                   60,567.93
        700405065                          10/1/2021                       928.15                 91,950.00                   91,890.07
        700405085                          10/1/2021                       220.69                 19,950.00                   19,940.82
        700405104                           9/1/2021                       554.56                 56,000.00                   55,945.81
        700405122                           9/1/2021                       323.01                 32,000.00                   31,970.68
        700405247                          10/1/2036                       506.54                 60,900.00                   60,838.24
        700405293                          10/1/2021                       633.67                 52,600.00                   52,581.81
        700405347                          10/1/2021                       542.11                 45,000.00                   44,984.44
        700405348                          10/1/2021                       419.94                 38,300.00                   38,281.88
        700405360                          10/1/2021                       336.05                 36,000.00                   35,972.78
        700405379                           9/1/2021                       657.86                 60,000.00                   59,957.22
        700405383                           9/1/2036                       337.27                 29,700.00                   29,681.07
        700405493                          10/1/2021                       346.32                 38,250.00                   38,218.63
        700405514                           9/1/2021                        591.8                 57,000.00                   56,951.94
        700405760                           9/1/2036                        329.5                 34,600.00                   34,562.66
        700405829                           9/1/2021                       969.27                 90,000.00                   89,932.10
        700405894                           9/1/2021                       263.27                 30,000.00                   29,959.86
        700405947                           9/1/2021                       130.25                 15,000.00                   14,979.39
        700406019                          10/1/2021                       612.88                 65,000.00                   64,952.15
        700406117                          10/1/2021                     1,240.69                 92,000.00                   91,701.86
        700406203                          10/1/2021                       236.96                 23,700.00                   23,685.19
        700406246                          10/1/2021                        264.3                 27,480.00                   27,460.83
        700406248                          10/1/2036                       449.93                 45,000.00                   44,971.88
        700406296                          10/1/2021                        545.4                 61,500.00                   61,446.79
        700406348                          10/1/2021                       418.58                 47,200.00                   47,159.17
        700406445                          10/1/2021                       412.46                 47,000.00                   46,958.24
        700406490                          10/1/2021                       655.69                 62,000.00                   61,967.21
        700406504                           9/1/2021                        493.2                 48,400.00                   48,356.86
        700406525                          10/1/2021                       721.85                 90,725.00                   90,494.38
        700406543                          10/1/2021                       861.57                 80,000.00                   79,959.99
        700406624                           9/1/2021                        663.5                 67,000.00                   66,935.13
        700406727                          10/1/2021                       342.17                 38,990.00                   38,955.35
        700406828                          10/1/2021                        161.1                 16,750.00                   16,738.32
        700406856                           9/1/2021                        327.2                 29,600.00                   29,393.60
        700407046                           9/1/2036                       208.25                 24,500.00                   24,464.50
        700407232                           9/1/2021                       869.51                118,500.00                  118,128.52
        700407380                           9/1/2021                       523.95                 50,000.00                   49,958.99
        700407416                          10/1/2021                       219.69                 20,965.00                   20,953.60
        700407453                          10/1/2021                       188.15                 21,900.00                   21,859.33
        700407664                          10/1/2021                       560.45                 55,000.00                   54,967.48
        700407679                          10/1/2021                       660.71                 60,800.00                   60,770.42
        700407943                          10/1/2021                       763.74                 81,000.00                   80,940.37
        700408006                           9/1/2021                       238.94                 21,600.00                   21,585.02
        700408016                           9/1/2021                       764.87                 78,750.00                   78,669.48
        700408050                           9/1/2021                       191.36                 20,500.00                   20,476.66
        700408177                          10/1/2036                       328.06                 32,500.00                   32,480.24
        700408189                          10/1/2036                        321.4                 34,780.00                   34,752.98
        700408211                          10/1/2036                       378.38                 45,000.00                   43,382.51
        700408269                          10/1/2021                       330.23                 34,000.00                   33,976.93
        700408287                          10/1/2021                       689.52                 65,800.00                   65,764.20
        700408399                          10/1/2036                          587                 52,600.00                   52,563.49
        700408415                          10/1/2021                       329.78                 27,375.00                   27,365.10
        700408473                           9/1/2021                       770.65                 86,000.00                   85,889.81
        700408509                          10/1/2021                       962.97                 82,650.00                   82,617.94
        700408606                           9/1/2021                       609.49                 64,000.00                   63,930.91
        700408620                           9/1/2021                        510.1                 55,200.00                   54,817.88
        700408643                           9/1/2021                        101.9                 10,000.00                    9,991.09
        700408722                           9/1/2021                        177.7                 21,840.00                   21,604.11
        700408735                          10/1/2036                       815.86                 84,000.00                   83,943.01
        700408826                           9/1/2021                        538.6                 56,000.00                   55,941.16
        700408876                           9/1/2021                       370.29                 38,500.00                   38,459.54
        700408926                          10/1/2021                       672.54                 66,000.00                   65,960.97
        700408960                          10/1/2021                       947.32                 86,400.00                   86,359.14
        700409139                          10/1/2021                       758.28                 71,700.00                   71,662.06
        700409161                           9/1/2021                       228.68                 25,000.00                   24,969.95
        700409179                           9/1/2021                       501.49                 59,000.00                   58,914.53
        700409187                           9/1/2021                       162.01                 15,750.00                   15,735.33
        700409219                           9/1/2021                       467.21                 45,000.00                   44,962.05
        700409223                          10/1/2021                       523.13                 54,392.00                   54,354.08
        700409375                          10/1/2021                       961.49                103,000.00                  102,922.09
        700409392                           9/1/2021                       766.49                 77,400.00                   77,325.06
        700409412                           9/1/2036                       685.28                 69,200.00                   69,133.02
        700409492                           9/1/2021                       343.64                 28,525.00                   28,510.11
        700409532                          10/1/2021                       414.82                 37,500.00                   37,482.77
        700409555                          10/1/2021                       807.72                 75,000.00                   74,962.49
        700409607                           9/1/2021                       845.73                 90,600.00                   89,747.26
        700409694                          10/1/2021                       783.05                 65,000.00                   64,977.52
        700409761                           9/1/2021                       217.86                 22,000.00                   21,729.93
        700409870                           9/1/2021                     1,274.80                127,500.00                  127,379.91
        700409878                           9/1/2036                       461.97                 46,650.00                   46,604.85
        700410021                          10/1/2021                       808.15                 82,400.00                   82,345.61
        700410056                          10/1/2021                     1,455.23                121,800.00                  121,756.66
        700410059                          10/1/2021                       240.97                 27,750.00                   27,684.45
        700410139                           9/1/2036                       392.17                 41,180.00                   41,135.53
        700410298                           9/1/2021                       448.05                 50,000.00                   49,936.55
        700410321                          10/1/2021                     1,433.00                136,750.00                  136,675.60
        700410366                          10/1/2021                       582.25                 50,400.00                   50,379.14
        700410436                          10/1/2036                       761.46                 82,400.00                   82,335.96
        700410446                           9/1/2021                       357.53                 33,500.00                   33,474.02
        700410472                          10/1/2021                       294.23                 30,000.00                   29,980.20
        700410481                          10/1/2021                       215.04                 17,850.00                   17,843.82
        700410485                          10/1/2021                       215.04                 17,850.00                   17,833.70
        700410519                          11/1/2021                       660.02                 70,000.00                   69,974.36
        700410578                          10/1/2021                     1,099.28                103,000.00                  102,947.00
        700410661                          10/1/2021                       401.37                 44,330.00                   44,293.64
        700410668                          10/1/2021                       265.49                 24,000.00                   22,998.21
        700410698                          10/1/2021                       325.55                 30,503.00                   30,487.30
        700410723                           9/1/2021                       867.38                 74,250.00                   73,778.05
        700410773                           9/1/2021                     1,228.60                140,000.00                  139,810.85
        700410860                           9/1/2036                        203.5                 21,800.00                   21,775.15
        700410867                          10/1/2021                       239.16                 30,400.00                   30,339.71
        700411014                          10/1/2036                       826.71                 75,400.00                   75,364.35
        700411409                           9/1/2021                       342.97                 37,880.00                   37,816.87
        700411422                          10/1/2021                       464.38                 41,250.00                   41,232.08
        700411435                          10/1/2021                       436.65                 45,400.00                   45,368.35
        700411536                           9/1/2036                          858                 85,000.00                   84,922.12
        700411689                          10/1/2021                        505.4                 56,400.00                   56,352.50
        700411727                          10/1/2021                       628.74                 60,000.00                   59,967.35
        700411796                          10/1/2036                       407.56                 49,000.00                   48,950.31
        700411801                           9/1/2021                       570.06                 54,400.00                   54,355.36
        700411809                          10/1/2021                       990.03                105,000.00                  104,922.71
        700411841                          10/1/2021                       995.58                 90,000.00                   89,958.62
        700411994                          10/1/2021                       413.66                 40,980.00                   40,955.08
        700412059                          10/1/2021                       505.53                 45,700.00                   45,678.99
        700412125                          10/1/2021                     1,821.21                159,000.00                  158,934.71
        700412206                          10/1/2021                     1,778.72                158,000.00                  157,931.35
        700412272                          10/1/2021                       245.02                 33,000.00                   32,956.69
        700412276                          10/1/2036                       369.97                 46,500.00                   46,447.68
        700412296                           9/1/2021                       993.79                 89,838.00                   89,775.69
        700412367                          10/1/2021                       243.95                 20,250.00                   20,242.90
        700412391                          10/1/2021                       607.73                 56,430.00                   56,401.77
        700412404                          10/1/2021                       321.72                 37,050.00                   37,016.20
        700412426                          10/1/2021                       793.29                 65,850.00                   65,827.22
        700412431                          10/1/2021                       284.07                 23,776.00                   23,767.53
        700412438                          10/1/2021                       626.44                 52,000.00                   51,982.01
        700412549                          10/1/2021                       921.92                 94,000.00                   93,937.95
        700412600                          10/1/2021                       604.75                 50,200.00                   50,182.65
        700412653                          10/1/2021                       333.23                 31,800.00                   31,779.14
        700412689                          10/1/2021                       203.29                 19,400.00                   19,389.45
        700412870                          10/1/2021                       672.08                 75,000.00                   74,936.83
        700412891                          10/1/2021                       228.68                 19,300.00                   19,292.94
        700412922                           9/1/2021                       571.78                 68,000.00                   67,898.86
        700413052                           9/1/2021                       556.37                 54,600.00                   54,551.34
        700413073                           9/1/2021                       892.49                 74,085.00                   74,046.36
        700413150                          10/1/2021                       481.87                 40,000.00                   39,986.18
        700413156                           9/1/2021                       658.02                 74,200.00                   74,102.31
        700413174                           9/1/2021                       272.33                 27,500.00                   27,473.38
        700413271                           9/1/2021                       163.34                 21,000.00                   20,799.19
        700413395                          10/1/2021                       275.55                 30,750.00                   30,724.11
        700413400                          10/1/2021                       528.06                 62,800.00                   62,737.97
        700413467                          10/1/2021                       454.01                 38,000.00                   37,986.48
        700413518                          10/1/2021                       851.69                 75,000.00                   74,968.32
        700413568                          10/1/2021                       679.44                 56,400.00                   56,380.50
        700413590                           9/1/2021                       752.91                 84,900.00                   84,789.37
        700413595                          10/1/2021                        111.7                 11,500.00                   11,492.19
        700413662                          10/1/2026                       370.34                 30,000.00                   29,952.80
        700413707                          10/1/2021                       316.95                 23,800.00                   23,720.98
        700413708                          10/1/2021                       250.87                 28,890.00                   28,863.63
        700413727                          10/1/2036                     1,505.86                125,000.00                  124,956.78
        700413793                          10/1/2021                     1,082.50                 97,000.00                   96,956.64
        700413833                          11/1/2021                       821.94                 83,000.00                   82,973.48
        700413880                          10/1/2021                       633.79                 64,000.00                   63,958.89
        700413927                          10/1/2021                       198.68                 21,500.00                   21,483.29
        700414021                          10/1/2021                       981.66                 73,250.00                   73,009.70
        700414064                          10/1/2036                       305.24                 38,800.00                   38,754.79
        700414172                          10/1/2021                       325.61                 24,450.00                   24,368.81
        700414448                          10/1/2036                       344.01                 33,760.00                   33,740.05
        700414468                          10/1/2021                       438.14                 42,200.00                   42,176.40
        700414569                          10/1/2021                       840.71                 76,000.00                   75,965.06
        700414608                          10/1/2021                       118.29                 11,500.00                   11,493.39
        700414621                          10/1/2021                       660.95                 73,000.00                   72,940.14
        700414631                           9/1/2021                       238.08                 25,000.00                   24,973.01
        700414654                          10/1/2021                     1,532.36                127,200.00                  127,156.02
        700414741                          10/1/2021                       305.06                 28,845.00                   28,829.73
        700414753                           9/1/2021                       277.16                 29,992.00                   29,956.87
        700414824                          10/1/2021                       488.92                 45,398.00                   45,373.11
        700414858                          10/1/2021                       428.13                 39,397.50                   39,378.34
        700414901                          10/1/2036                     1,386.15                150,000.00                  149,883.44
        700414909                          10/1/2021                       259.46                 23,250.00                   23,239.62
        700414910                          10/1/2021                       914.74                100,000.00                   99,920.17
        700414929                           9/1/2021                       365.37                 41,200.00                   41,146.32
        700414972                           9/1/2021                       621.32                 70,800.00                   70,705.26
        700415102                          10/1/2021                       921.92                 94,000.00                   93,937.95
        700415162                          10/1/2036                       228.14                 29,000.00                   28,966.52
        700415348                          10/1/2021                       579.93                 67,500.00                   67,436.76
        700415353                          10/1/2021                       865.71                101,850.00                  101,752.03
        700415419                          10/1/2036                       685.62                 61,980.00                   61,922.59
        700415434                          10/1/2021                       222.08                 27,600.00                   27,569.73
        700415456                          10/1/2021                       804.18                 79,668.00                   79,619.57
        700415469                          10/1/2036                       998.74                 85,000.00                   84,967.96
        700415495                          10/1/2021                       726.95                 67,500.00                   66,196.04
        700415559                          10/1/2021                       267.02                 30,750.00                   30,688.69
        700415602                          10/1/2021                       109.64                 10,000.00                    9,995.28
        700415631                          10/1/2021                       167.22                 22,000.00                   21,972.55
        700415632                          10/1/2021                     1,199.74                111,400.00                  111,344.22
        700415725                          10/1/2036                       578.25                 48,000.00                   47,983.40
        700415726                          10/1/2026                        404.8                 38,580.00                   38,493.37
        700415728                          10/1/2036                       614.39                 51,000.00                   50,982.37
        700415758                          10/1/2036                     1,792.20                200,000.00                  199,831.55
        700415782                          10/1/2021                       390.54                 48,000.00                   47,948.73
        700415874                          10/1/2021                          140                 15,150.00                   15,138.23
        700415935                          10/1/2036                        597.3                 57,000.00                   56,968.99
        700416023                          10/1/2021                       291.28                 25,000.00                   24,990.30
        700416036                          10/1/2021                       219.45                 20,750.00                   20,739.01
        700416047                           9/1/2021                       264.93                 25,999.00                   25,975.83
        700416115                          10/1/2021                       543.24                 60,000.00                   59,950.81
        700416191                           9/1/2021                       385.15                 40,000.00                   39,654.72
        700416201                          10/1/2021                        849.9                 74,200.00                   74,169.53
        700416273                          10/1/2021                       886.82                100,000.00                   99,913.50
        700416310                          10/1/2021                       404.03                 44,000.00                   43,965.23
        700416323                          10/1/2021                        573.5                 64,000.00                   63,879.04
        700416339                          10/1/2036                       176.02                 15,500.00                   15,493.44
        700416368                          10/1/2021                       175.73                 18,825.00                   18,810.76
        700416475                          10/1/2021                       106.73                 10,000.00                    9,994.85
        700416527                          10/1/2021                       293.15                 28,500.00                   28,483.62
        700416536                          10/1/2021                       332.17                 29,000.00                   28,988.09
        700416541                          10/1/2021                       338.62                 33,867.00                   33,845.83
        700416552                          10/1/2021                       433.53                 43,360.00                   43,332.91
        700416609                          10/1/2021                       442.29                 52,600.00                   52,548.05
        700416711                          10/1/2021                       251.99                 22,000.00                   21,990.97
        700416756                          10/1/2021                       255.44                 31,050.00                   31,017.68
        700416797                          10/1/2021                       287.66                 27,200.00                   27,185.61
        700416875                          10/1/2021                       175.11                 14,536.00                   14,530.99
        700416925                          10/1/2021                       864.97                 71,800.00                   71,775.17
        700417084                          10/1/2021                       120.47                 10,000.00                    9,996.54
        700417090                          10/1/2021                     1,589.29                146,250.00                  146,178.86
        700417118                          10/1/2036                       609.35                 68,000.00                   67,942.72
        700417153                          10/1/2021                       316.95                 36,500.00                   36,466.69
        700417260                          10/1/2021                       719.03                 62,775.00                   62,749.23
        700417343                          10/1/2021                       352.25                 41,000.00                   40,961.60
        700417435                          10/1/2021                     1,106.86                 95,000.00                   94,963.15
        700417463                          10/1/2021                        609.9                 61,000.00                   60,961.89
        700417511                          10/1/2021                       226.36                 19,428.00                   19,418.80
        700417515                          10/1/2021                       305.11                 37,500.00                   37,459.94
        700417521                          10/1/2021                       295.01                 37,500.00                   37,456.70
        700417537                          10/1/2021                        504.7                 50,000.00                   49,969.62
        700417542                          10/1/2021                       193.91                 17,685.00                   17,676.54
        700417548                          10/1/2036                       324.59                 30,975.00                   30,958.14
        700417555                          10/1/2036                       349.73                 34,000.00                   33,815.82
        700417613                          10/1/2036                       565.41                 52,500.00                   52,473.73
        700417683                          10/1/2036                       493.23                 59,300.00                   59,239.87
        700417701                          10/1/2021                       522.83                 43,400.00                   43,307.84
        700417712                          10/1/2036                       244.09                 30,000.00                   29,967.95
        700417737                           9/1/2021                       885.76                 87,750.00                   87,669.60
        700417759                          10/1/2021                       636.07                 73,250.00                   73,183.16
        700417793                          10/1/2021                       390.45                 41,000.00                   40,950.99
        700417842                          10/1/2021                     1,021.88                 93,200.00                   93,155.92
        700417854                          10/1/2021                       282.87                 30,000.00                   29,977.92
        700417863                          10/1/2021                     1,172.76                 97,350.00                   97,316.34
        700417870                          10/1/2021                       477.59                 55,000.00                   54,949.41
        700417951                           9/1/2036                       166.61                 14,800.00                   14,790.32
        700417960                           9/1/2036                       194.76                 17,300.00                   17,288.66
        700417961                          10/1/2036                       247.81                 31,500.00                   31,463.63
        700418028                          10/1/2021                       461.07                 44,000.00                   43,758.84
        700418223                          10/1/2021                       391.62                 32,850.00                   32,716.26
        700418277                          10/1/2021                       364.79                 30,600.00                   30,475.43
        700418280                          10/1/2021                       259.25                 30,500.00                   30,469.91
        700418286                          10/1/2021                       400.56                 33,600.00                   33,463.21
        700418369                          10/1/2021                       799.01                 93,000.00                   92,912.88
        700418381                          10/1/2021                       278.48                 35,000.00                   34,960.60
        700418467                          10/1/2021                     1,174.57                 97,500.00                   97,466.28
        700418711                          10/1/2021                       806.88                 77,000.00                   76,951.84
        700418772                           9/1/2036                       902.83                 88,600.00                   88,521.04
        700418773                          10/1/2021                       301.99                 27,300.00                   27,287.45
        700418959                          10/1/2021                       357.57                 38,694.00                   38,661.50
        700419067                          10/1/2021                       664.11                 57,000.00                   56,977.90
        700419177                          10/1/2036                       292.74                 24,300.00                   24,291.59
        700419240                          11/1/2021                       874.32                 85,000.00                   84,975.68
        700419290                           9/1/2021                       329.97                 38,000.00                   37,947.79
        700419308                          10/1/2021                       164.05                 14,700.00                   14,693.43
        700419320                          10/1/2021                       451.97                 40,500.00                   40,481.84
        700419368                          10/1/2021                       164.89                 14,775.00                   14,768.39
        700419390                          10/1/2021                        95.02                 11,300.00                   11,288.83
        700419406                          10/1/2036                       803.47                109,500.00                  109,351.51
        700419449                          10/1/2036                        257.4                 25,500.00                   25,010.30
        700419459                          10/1/2021                       399.66                 44,600.00                   44,562.44
        700419549                          10/1/2021                       124.36                 14,790.00                   14,775.40
        700419607                          10/1/2021                       442.84                 42,260.00                   42,122.10
        700419650                          10/1/2021                       137.33                 11,400.00                   11,396.07
        700419706                          10/1/2021                       572.23                 47,500.00                   47,483.57
        700419881                          10/1/2021                     1,024.35                 95,980.00                   95,930.63
        700419956                          10/1/2021                     1,017.15                 91,950.00                   91,907.72
        700419969                          10/1/2021                       568.61                 47,200.00                   47,171.96
        700420001                          10/1/2021                       282.93                 27,000.00                   26,985.31
        700420048                          10/1/2021                       319.16                 35,250.00                   35,218.57
        700420193                          10/1/2036                       349.65                 36,000.00                   35,975.59
        700420431                          10/1/2021                       306.57                 31,875.00                   31,852.78
        700420508                          10/1/2036                       594.21                 51,000.00                   50,980.21
        700420536                          10/1/2036                       565.51                 65,125.00                   65,065.58
        700420763                          10/1/2021                       668.92                 59,940.00                   59,146.32
        700420811                          10/1/2021                       787.24                 71,800.00                   71,733.25
        700420889                          10/1/2021                       421.67                 36,500.00                   36,485.43
        700420901                          10/1/2036                       201.98                 22,540.00                   22,521.02
        700420984                          10/1/2021                       355.14                 29,480.00                   29,468.95
        700420998                          10/1/2021                       843.53                 71,192.00                   71,165.93
        700421051                          10/1/2036                       108.24                 10,425.00                   10,419.17
        700421218                          10/1/2021                       696.29                 68,980.00                   68,938.07
        700421243                           9/1/2021                       557.99                 61,000.00                   60,926.64
        700421296                          10/1/2021                        413.3                 33,980.00                   33,846.48
        700421343                          10/1/2021                       403.61                 48,000.00                   47,952.59
        700421365                          10/1/2036                       397.36                 43,000.00                   42,966.59
        700421394                          10/1/2021                       761.44                 90,555.00                   90,465.55
        700421428                          10/1/2021                       285.21                 24,900.00                   24,889.78
        700421429                          10/1/2021                       120.47                 10,000.00                    9,996.54
        700421670                          10/1/2021                       891.47                 74,000.00                   73,974.41
        700421786                          10/1/2036                       366.13                 45,000.00                   44,951.94
        700421831                          10/1/2036                       947.22                110,250.00                  110,146.70
        700421898                          10/1/2021                     1,203.72                106,000.00                  105,955.23
        700421961                          10/1/2021                       447.69                 40,500.00                   40,312.56
        700422011                          10/1/2021                       872.81                 96,400.00                   96,320.96
        700422119                          10/1/2021                       489.02                 46,240.00                   46,215.53
        700422143                          10/1/2036                     1,345.23                127,200.00                  127,132.69
        700422200                          10/1/2021                       240.44                 25,500.00                   25,481.22
        700422221                          10/1/2021                        171.6                 17,000.00                   16,989.67
        700422224                           9/1/2021                       720.03                 70,000.00                   69,939.31
        700422227                          10/1/2021                       415.62                 34,500.00                   34,487.30
        700422284                          10/1/2036                       724.16                 90,000.00                   89,901.31
        700422294                          10/1/2036                       576.55                 53,535.00                   53,508.22
        700422394                          10/1/2021                       660.46                 68,000.00                   67,751.99
        700422503                          10/1/2036                       842.47                 96,000.00                   95,598.33
        700422664                          10/1/2021                       163.52                 16,200.00                   16,190.17
        700422673                          10/1/2036                       817.82                 71,400.00                   71,370.70
        700422693                          10/1/2021                       248.17                 20,600.00                   20,592.87
        700422694                          11/1/2036                       369.64                 40,000.00                   39,984.53
        700422714                          10/1/2026                       196.83                 15,600.00                   15,576.70
        700422718                          10/1/2021                       662.35                 65,000.00                   64,961.57
        700423148                          10/1/2021                       564.16                 51,000.00                   50,976.55
        700423215                          10/1/2021                        599.9                 60,000.00                   59,962.52
        700423252                          10/1/2021                     1,148.74                116,000.00                  115,925.50
        700423345                          10/1/2021                       813.16                 79,800.00                   79,752.83
        700423416                          10/1/2021                       340.21                 33,075.00                   33,055.99
        700423420                          10/1/2021                       304.73                 29,625.00                   29,607.96
        700423445                          10/1/2021                       340.52                 38,000.00                   37,967.99
        700423513                          10/1/2021                       259.96                 26,000.00                   25,983.76
        700423536                          10/1/2021                     1,099.87                104,000.00                  102,834.41
        700423549                          10/1/2021                       215.92                 22,900.00                   22,883.15
        700423740                          10/1/2021                        153.6                 12,750.00                   12,745.59
        700423758                          10/1/2021                       293.37                 29,625.00                   29,605.99
        700423836                          10/1/2021                     1,206.08                110,000.00                  109,947.98
        700423995                          10/1/2021                       237.93                 19,750.00                   19,743.16
        700424008                          10/1/2021                       708.57                 67,000.00                   66,964.56
        700424042                          10/1/2021                        118.3                 12,300.00                   12,291.42
        700424044                          10/1/2021                       688.31                 73,000.00                   72,946.26
        700424165                          10/1/2021                        447.2                 51,500.00                   51,453.01
        700424174                          10/1/2021                       232.79                 19,980.00                   19,972.25
        700424199                          10/1/2021                       416.85                 47,500.00                   47,457.79
        700424204                          10/1/2021                       836.75                 77,000.00                   76,962.56
        700424217                          10/1/2021                       378.29                 38,200.00                   38,175.47
        700424272                          10/1/2036                       429.93                 43,000.00                   42,972.99
        700424448                          10/1/2021                       357.59                 43,950.00                   43,903.05
        700424462                          10/1/2021                       741.15                 67,000.00                   66,969.20
        700424489                          10/1/2036                       560.31                 52,500.00                   52,473.00
        700424530                          10/1/2021                       288.01                 28,000.00                   27,983.90
        700424757                          10/1/2021                       248.74                 21,349.00                   21,340.72
        700424814                          10/1/2021                     1,009.41                100,000.00                   99,939.22
        700424847                          10/1/2021                       392.22                 36,750.00                   36,731.08
        700424964                          10/1/2036                       167.54                 19,500.00                   19,481.72
        700424968                          10/1/2021                     1,084.22                 90,000.00                   89,968.88
        700425183                          10/1/2021                       866.34                 93,750.00                   93,677.16
        700425202                          10/1/2021                       569.21                 47,250.00                   47,233.67
        700425211                          10/1/2021                       861.99                 88,750.00                   88,689.80
        700425212                          10/1/2021                        194.1                 19,600.00                   19,587.40
        700425228                          10/1/2021                       147.15                 17,500.00                   17,482.71
        700425259                          10/1/2021                       466.19                 43,287.00                   43,265.34
        700425398                          10/1/2021                       380.59                 37,000.00                   36,978.71
        700425442                          10/1/2021                       667.72                 62,000.00                   61,968.98
        700425444                          10/1/2021                       576.29                 63,000.00                   62,949.70
        700425556                          10/1/2021                       757.92                 73,000.00                   72,959.16
        700425578                          10/1/2021                     1,173.98                110,000.00                  109,943.41
        700425730                          10/1/2021                          343                 39,500.00                   39,463.95
        700425758                          10/1/2021                       303.97                 36,150.00                   36,114.30
        700425834                          10/1/2021                       861.55                 87,000.00                   86,944.13
        700425853                          10/1/2021                       747.08                 70,000.00                   69,762.95
        700425959                          10/1/2021                       623.77                 67,500.00                   67,447.55
        700426038                          10/1/2036                       693.01                 69,980.00                   69,935.05
        700426061                          10/1/2021                       282.93                 27,000.00                   26,985.31
        700426169                          10/1/2021                       484.81                 53,000.00                   52,957.70
        700426180                          10/1/2036                       835.48                 79,000.00                   78,957.68
        700426181                          10/1/2021                     1,021.56                114,000.00                  113,903.97
        700426227                          10/1/2021                       393.63                 36,550.00                   36,531.72
        700426316                          10/1/2021                       657.86                 60,000.00                   59,971.63
        700426326                          10/1/2021                       297.01                 31,500.00                   31,476.81
        700426462                          10/1/2021                       311.12                 40,000.00                   39,952.59
        700426583                          10/1/2021                       149.03                 14,625.00                   14,616.35
        700426618                          10/1/2021                       993.52                 86,000.00                   85,965.68
        700426725                          10/1/2036                       785.57                 68,000.00                   67,972.87
        700426803                          10/1/2036                       573.32                 53,235.00                   53,208.38
        700426860                          10/1/2021                       243.03                 22,980.00                   22,967.82
        700427003                          10/1/2021                       534.75                 55,600.00                   55,561.24
        700427083                          10/1/2036                       631.17                 69,000.00                   68,944.92
        700427103                          11/1/2021                     1,903.68                166,200.00                  166,166.07
        700427213                          10/1/2036                       560.09                 60,000.00                   59,914.35
        700427337                          10/1/2021                       877.99                 76,000.00                   75,969.69
        700427364                          10/1/2026                       300.37                 29,100.00                   29,005.07
        700427453                          10/1/2021                       607.92                 54,000.00                   53,976.53
        700427493                          10/1/2021                       607.39                 66,400.00                   66,346.99
        700427540                          10/1/2021                       351.16                 38,000.00                   37,970.47
        700427583                          10/1/2036                       770.76                 63,980.00                   63,957.87
        700427617                          10/1/2021                       266.74                 25,000.00                   24,827.48
        700427791                          10/1/2021                       581.35                 64,875.00                   64,820.35
        700427857                          10/1/2021                       226.98                 23,600.00                   23,583.55
        700427886                          10/1/2021                       438.64                 41,100.00                   41,067.39
        700427901                          10/1/2026                       728.74                 77,500.00                   77,284.89
        700427934                          10/1/2021                       279.68                 25,969.00                   25,956.01
        700427951                          10/1/2021                       195.27                 24,000.00                   23,974.36
        700427998                          10/1/2026                       355.85                 36,875.00                   36,777.48
        700428001                          10/1/2021                       269.57                 23,535.00                   23,525.34
        700428110                          10/1/2021                        702.9                 78,440.00                   78,373.94
        700428147                          10/1/2036                     1,260.05                117,000.00                  116,941.47
        700428162                          10/1/2021                       922.15                 97,800.00                   97,728.00
        700428425                          10/1/2021                       798.13                 85,500.00                   85,335.33
        700428483                          10/1/2021                       528.78                 50,000.00                   49,973.56
        700428544                          10/1/2021                        433.8                 40,280.00                   40,243.65
        700428579                          10/1/2036                     1,546.31                135,000.00                  134,944.57
        700428721                          10/1/2021                       360.01                 35,000.00                   34,979.88
        700428795                          10/1/2021                     1,015.72                 91,821.00                   91,778.79
        700428800                          10/1/2021                        788.3                 93,750.00                   93,633.92
        700428815                          10/1/2021                        514.8                 51,000.00                   50,969.00
        700428877                          10/1/2021                     1,029.90                104,000.00                  103,933.22
        700428897                          10/1/2021                       689.04                 80,200.00                   80,124.87
        700428951                          10/1/2036                       928.81                 99,500.00                   99,424.75
        700429032                          10/1/2021                        227.9                 21,549.00                   21,537.59
        700429107                          10/1/2021                       692.37                 73,000.00                   72,571.98
        700429318                          10/1/2021                     1,168.55                 97,000.00                   96,966.46
        700429399                          10/1/2036                       772.02                 73,000.00                   72,961.38
        700429410                          10/1/2021                        232.2                 19,275.00                   19,268.34
        700429515                          10/1/2036                       888.49                 83,250.00                   83,207.18
        700429608                          10/1/2021                        710.8                 66,000.00                   65,966.97
        700429657                          10/1/2021                       184.05                 18,950.00                   18,937.16
        700429661                          10/1/2021                     1,401.83                129,000.00                  128,937.26
        700429850                          10/1/2021                       448.84                 38,200.00                   38,183.28
        700429899                          10/1/2021                       373.21                 30,980.00                   30,969.29
        700429956                          10/1/2021                       373.45                 31,000.00                   30,989.29
        700429970                          10/1/2021                       987.84                 82,000.00                   81,971.65
        700430110                          10/1/2021                       235.38                 28,930.00                   28,899.10
        700430181                          10/1/2021                       624.13                 69,650.00                   69,591.35
        700430223                          10/1/2036                       152.88                 19,000.00                   18,979.16
        700430407                          10/1/2021                       362.76                 35,600.00                   35,578.96
        700430456                          10/1/2021                       415.44                 34,485.00                   34,473.07
        700430477                          10/1/2036                       483.69                 49,800.00                   49,766.22
        700430525                          10/1/2021                       248.74                 21,349.00                   21,340.72
        700430559                          10/1/2036                        549.7                 58,300.00                   58,257.09
        700430606                          10/1/2021                       671.32                 69,800.00                   69,751.34
        700430614                          10/1/2021                       409.59                 34,000.00                   33,968.01
        700430683                          10/1/2021                       665.57                 61,800.00                   61,769.08
        700430738                          10/1/2021                       250.57                 20,800.00                   20,792.82
        700430837                          10/1/2021                       755.97                 66,000.00                   65,972.91
        700430841                          10/1/2021                       766.12                 70,500.00                   70,465.70
        700430906                          10/1/2021                       619.45                 51,420.00                   51,402.22
        700430915                          10/1/2021                       413.51                 40,580.00                   40,556.00
        700431129                          10/1/2021                       578.66                 53,250.00                   53,224.10
        700431216                          10/1/2021                       315.55                 29,300.00                   29,285.34
        700431252                          10/1/2021                       301.31                 27,000.00                   26,939.25
        700431309                          10/1/2021                     1,004.71                 83,400.00                   83,371.16
        700431400                          10/1/2021                       781.53                 69,422.00                   69,391.84
        700431716                          10/1/2021                     1,395.96                124,000.00                  123,946.12
        700431754                          11/1/2021                       646.94                 56,000.00                   55,988.89
        700431888                          10/1/2036                       946.98                 97,500.00                   97,433.85
        700431914                          10/1/2036                       402.08                 46,800.00                   46,756.16
        700432029                          10/1/2021                       305.85                 31,800.00                   31,777.82
        700432093                          10/1/2021                        767.8                 64,800.00                   64,776.26
        700432358                          10/1/2021                       693.81                 79,900.00                   79,827.10
        700432436                          10/1/2021                       270.04                 26,500.00                   26,484.32
        700432618                          10/1/2036                     1,465.71                132,500.00                  132,439.09
        700432796                          10/1/2036                        677.6                 61,800.00                   61,770.77
        700432834                          10/1/2021                       714.47                 59,800.00                   59,778.73
        700432937                          10/1/2021                     1,257.45                123,400.00                  123,327.04
        700433131                          10/1/2036                       950.68                105,000.00                  104,913.89
        700433178                          10/1/2021                       289.12                 24,000.00                   23,991.71
        700433191                          11/1/2036                       228.68                 25,000.00                   24,988.75
        700433223                          10/1/2021                       289.12                 24,000.00                   23,991.71
        700433229                          11/1/2021                       590.84                 60,000.00                   59,825.00
        700433329                          10/1/2021                       654.01                 68,000.00                   67,952.60
        700433351                          10/1/2021                       731.79                 80,000.00                   79,936.14
        700433390                          10/1/2021                          365                 34,200.00                   34,182.41
        700433432                          10/1/2021                        318.1                 39,980.00                   39,935.01
        700433466                          10/1/2036                       194.24                 18,200.00                   18,190.63
        700433514                          10/1/2021                       786.47                 75,750.00                   75,707.63
        700433567                          10/1/2036                       141.89                 16,000.00                   15,986.16
        700433579                          10/1/2021                     1,086.69                100,000.00                   99,950.74
        700433742                          10/1/2021                        708.3                 64,600.00                   64,569.44
        700433769                          10/1/2021                     1,927.50                160,000.00                  159,944.67
        700434618                          10/1/2021                     1,103.26                 98,000.00                   97,957.41
        700434808                          10/1/2036                       517.89                 57,200.00                   57,053.10
        700434881                          10/1/2021                       469.99                 40,000.00                   39,984.93
        700434956                          10/1/2021                       660.17                 63,000.00                   62,965.73
        700435028                          10/1/2021                       241.02                 23,000.00                   22,987.48
        700435080                          10/1/2021                       287.65                 27,450.00                   27,435.06
        700435197                          10/1/2036                       329.07                 40,000.00                   39,958.36
        700435202                          10/1/2021                       459.07                 55,193.00                   55,137.04
        700435226                          10/1/2036                       274.55                 32,300.00                   32,268.92
        700435359                          10/1/2021                       527.65                 43,800.00                   43,784.87
        700435495                          10/1/2021                       883.11                 82,000.00                   81,958.98
        700435826                          10/1/2021                       267.34                 23,141.00                   23,131.76
        700436412                          10/1/2021                     1,381.68                119,600.00                  119,552.29
        700436922                          10/1/2036                       526.07                 47,980.00                   47,957.31
        700437064                          10/1/2021                     1,059.88                105,000.00                  104,936.18
        700437144                          10/1/2036                       319.95                 32,000.00                   31,980.00
        700437164                          10/1/2021                       406.06                 43,500.00                   43,372.33
        700437893                          10/1/2021                       385.26                 31,980.00                   31,968.94
        700438145                          10/1/2021                       700.82                 67,500.00                   67,462.05
        700438240                          10/1/2021                       499.45                 54,600.00                   54,525.13
        700439222                          10/1/2036                       543.14                 49,100.00                   49,074.96
        700439347                          10/1/2021                       399.21                 43,200.00                   43,166.43
        700439553                          11/1/2021                        355.4                 33,000.00                   32,991.79
        700439656                          10/1/2021                       861.59                 90,472.00                   90,407.18
        700440158                          10/1/2021                     1,077.22                 87,400.00                   87,064.66
        700440735                          10/1/2021                     1,529.95                127,000.00                  126,956.10
        700440907                          10/1/2021                       446.76                 52,000.00                   51,951.28
        700440908                          10/1/2021                        644.1                 69,000.00                   68,947.81
        700441427                          10/1/2021                     1,110.86                115,500.00                  115,419.47
        700442709                          11/1/2021                       251.45                 21,400.00                   21,395.99
        700442784                          10/1/2021                       554.16                 46,000.00                   45,983.24
        700443456                          10/1/2021                        492.3                 42,980.00                   42,962.36
        700443633                          10/1/2021                       752.71                 63,000.00                   62,977.57
        700445641                          10/1/2021                       605.36                 50,250.00                   50,232.62

                                                                                                                         241,431,473.62

         LOAN_NO           DEAL_PURPOSE_TYPE_DESC                   PREPAY_PENALTY               RATE_INDEX           MARGIN
-----------------------------------------------------------------------------------------------------------------------------
        500356453          Purchase                                       N                          FX                  0
        500761165          Purchase                                       N                          FX                  0
        500763132          Purchase                                       N                          FX                  0
        500767705          Refinance - Cash Out                           N                          FX                  0
        500771148          Purchase                                       N                          FX                  0
        500771558          Purchase                                       N                          FX                  0
        500771548          Purchase                                       N                          FX                  0
        500771542          Purchase                                       N                          FX                  0
        500780979          Purchase                                       Y                          FX                  0
        500783976          Purchase                                       N                          FX                  0
        500783999          Purchase                                       N                          FX                  0
        500784014          Purchase                                       N                          FX                  0
        500785434          Purchase                                       N                          FX                  0
        500785780          Refinance - Cash Out                           N                          FX                  0
        500791939          Purchase                                       N                          FX                  0
        500792328          Purchase                                       N                          FX                  0
        500792522          Purchase                                       N                          FX                  0
        500792469          Purchase                                       N                          FX                  0
        500792709          Purchase                                       N                          FX                  0
        500793545          Purchase                                       N                          FX                  0
        500787683          Purchase                                       N                          FX                  0
        500793699          Purchase                                       N                          FX                  0
        500793990          Purchase                                       N                          FX                  0
        500794668          Purchase                                       N                          FX                  0
        500794775          Purchase                                       Y                          FX                  0
        500794869          Purchase                                       Y                          FX                  0
        500796635          Purchase                                       N                          FX                  0
        500797342          Purchase                                       N                          FX                  0
        500794580          Purchase                                       Y                          FX                  0
        500797762          Purchase                                       N                          FX                  0
        500797483          Purchase                                       N                          FX                  0
        500798434          Refinance - Cash Out                           N                          FX                  0
        500798500          Purchase                                       N                          FX                  0
        500792147          Refinance - Cash Out                           N                          FX                  0
        500799473          Purchase                                       N                          FX                  0
        500800143          Purchase                                       N                          FX                  0
        500800135          Purchase                                       N                          FX                  0
        500800124          Purchase                                       N                          FX                  0
        500800177          Purchase                                       N                          FX                  0
        500800212          Purchase                                       N                          FX                  0
        500800737          Refinance - Cash Out                           N                          FX                  0
        500800855          Purchase                                       Y                          FX                  0
        500801223          Purchase                                       N                          FX                  0
        500801516          Refinance - Cash Out                           Y                          FX                  0
        500801519          Purchase                                       Y                          FX                  0
        500801618          Purchase                                       N                          FX                  0
        500803068          Purchase                                       N                          FX                  0
        500803192          Refinance - Cash Out                           Y                          FX                  0
        500803202          Purchase                                       N                          FX                  0
        500803355          Purchase                                       N                          FX                  0
        500804142          Purchase                                       N                          FX                  0
        500804255          Purchase                                       N                          FX                  0
        500804347          Purchase                                       N                          FX                  0
        500804983          Purchase                                       N                          FX                  0
        500805320          Purchase                                       N                          FX                  0
        500805520          Purchase                                       N                          FX                  0
        500805543          Purchase                                       N                          FX                  0
        500805647          Purchase                                       N                          FX                  0
        500806144          Purchase                                       N                          FX                  0
        500806147          Purchase                                       N                          FX                  0
        500806183          Purchase                                       N                          FX                  0
        500806213          Purchase                                       N                          FX                  0
        500806040          Purchase                                       N                          FX                  0
        500806202          Purchase                                       N                          FX                  0
        500806364          Purchase                                       N                          FX                  0
        500806367          Purchase                                       N                          FX                  0
        500806567          Purchase                                       N                          FX                  0
        500806594          Refinance - Cash Out                           Y                          FX                  0
        500806839          Purchase                                       N                          FX                  0
        500806743          Purchase                                       N                          FX                  0
        500806933          Purchase                                       N                          FX                  0
        500807462          Purchase                                       N                          FX                  0
        500807495          Purchase                                       N                          FX                  0
        500807533          Purchase                                       N                          FX                  0
        500807585          Refinance - Cash Out                           N                          FX                  0
        500807587          Purchase                                       N                          FX                  0
        500807895          Purchase                                       Y                          FX                  0
        500807900          Refinance - Cash Out                           Y                          FX                  0
        500807903          Purchase                                       Y                          FX                  0
        500808000          Purchase                                       N                          FX                  0
        500808013          Purchase                                       N                          FX                  0
        500808072          Purchase                                       N                          FX                  0
        500808077          Purchase                                       N                          FX                  0
        500808139          Purchase                                       N                          FX                  0
        500808800          Refinance - Cash Out                           N                          FX                  0
        500808128          Purchase                                       N                          FX                  0
        500809023          Purchase                                       N                          FX                  0
        500796652          Purchase                                       Y                          FX                  0
        500809166          Refinance - Rate/Term                          N                          FX                  0
        500809387          Purchase                                       Y                          FX                  0
        500809405          Purchase                                       Y                          FX                  0
        500809427          Purchase                                       N                          FX                  0
        500794432          Purchase                                       N                          FX                  0
        500810345          Purchase                                       N                          FX                  0
        500810379          Purchase                                       N                          FX                  0
        500809579          Purchase                                       N                          FX                  0
        500811401          Purchase                                       N                          FX                  0
        500810740          Refinance - Cash Out                           N                          FX                  0
        500811568          Purchase                                       N                          FX                  0
        500811806          Purchase                                       N                          FX                  0
        500812485          Purchase                                       N                          FX                  0
        500812533          Purchase                                       Y                          FX                  0
        500812707          Purchase                                       N                          FX                  0
        500812710          Purchase                                       Y                          FX                  0
        500812714          Purchase                                       Y                          FX                  0
        500812715          Purchase                                       Y                          FX                  0
        500812716          Refinance - Cash Out                           Y                          FX                  0
        500812720          Purchase                                       Y                          FX                  0
        500812742          Purchase                                       Y                          FX                  0
        500812839          Refinance - Cash Out                           N                          FX                  0
        500812992          Purchase                                       N                          FX                  0
        500802412          Purchase                                       Y                          FX                  0
        500813179          Purchase                                       N                          FX                  0
        500813186          Purchase                                       N                          FX                  0
        500813200          Purchase                                       N                          FX                  0
        500813431          Purchase                                       Y                          FX                  0
        500777840          Purchase                                       N                          FX                  0
        500772684          Purchase                                       N                          FX                  0
        500813496          Purchase                                       N                          FX                  0
        500813652          Purchase                                       N                          FX                  0
        500740344          Purchase                                       Y                          FX                  0
        500813690          Purchase                                       N                          FX                  0
        500813822          Purchase                                       N                          FX                  0
        500813885          Purchase                                       N                          FX                  0
        500813898          Purchase                                       N                          FX                  0
        500814038          Purchase                                       N                          FX                  0
        500814063          Refinance - Cash Out                           N                          FX                  0
        500814062          Refinance - Cash Out                           N                          FX                  0
        500814071          Purchase                                       N                          FX                  0
        500814124          Purchase                                       Y                          FX                  0
        500814175          Purchase                                       N                          FX                  0
        500814382          Refinance - Cash Out                           N                          FX                  0
        500814383          Purchase                                       N                          FX                  0
        500814430          Purchase                                       N                          FX                  0
        500814573          Purchase                                       Y                          FX                  0
        500814574          Purchase                                       Y                          FX                  0
        500814575          Purchase                                       Y                          FX                  0
        500814578          Refinance - Cash Out                           Y                          FX                  0
        500814579          Refinance - Cash Out                           Y                          FX                  0
        500814718          Refinance - Rate/Term                          N                          FX                  0
        500814771          Purchase                                       N                          FX                  0
        500814806          Purchase                                       N                          FX                  0
        500814762          Purchase                                       N                          FX                  0
        500814868          Refinance - Cash Out                           N                          FX                  0
        500814883          Purchase                                       Y                          FX                  0
        500814872          Refinance - Cash Out                           N                          FX                  0
        500814808          Purchase                                       N                          FX                  0
        500814224          Purchase                                       N                          FX                  0
        500814946          Purchase                                       N                          FX                  0
        500815299          Purchase                                       N                          FX                  0
        500815377          Purchase                                       N                          FX                  0
        500815323          Purchase                                       Y                          FX                  0
        500815395          Purchase                                       Y                          FX                  0
        500815433          Refinance - Cash Out                           N                          FX                  0
        500809240          Purchase                                       Y                          FX                  0
        500815484          Purchase                                       N                          FX                  0
        500815444          Purchase                                       N                          FX                  0
        500815747          Purchase                                       N                          FX                  0
        500815824          Purchase                                       N                          FX                  0
        500815857          Refinance - Cash Out                           N                          FX                  0
        500815863          Purchase                                       N                          FX                  0
        500815905          Purchase                                       N                          FX                  0
        500815938          Purchase                                       N                          FX                  0
        500815956          Refinance - Rate/Term                          N                          FX                  0
        500815984          Refinance - Cash Out                           N                          FX                  0
        500813699          Purchase                                       N                          FX                  0
        500816230          Purchase                                       N                          FX                  0
        500816243          Purchase                                       Y                          FX                  0
        500816247          Purchase                                       Y                          FX                  0
        500816258          Purchase                                       N                          FX                  0
        500816282          Purchase                                       N                          FX                  0
        500816389          Purchase                                       N                          FX                  0
        500816397          Purchase                                       N                          FX                  0
        500816459          Purchase                                       N                          FX                  0
        500816188          Purchase                                       N                          FX                  0
        500816578          Purchase                                       N                          FX                  0
        500816602          Purchase                                       N                          FX                  0
        500816606          Refinance - Cash Out                           Y                          FX                  0
        500816177          Purchase                                       N                          FX                  0
        500816723          Purchase                                       N                          FX                  0
        500816732          Purchase                                       Y                          FX                  0
        500817035          Refinance - Cash Out                           Y                          FX                  0
        500813920          Purchase                                       N                          FX                  0
        500817278          Purchase                                       N                          FX                  0
        500811389          Purchase                                       Y                          FX                  0
        500817450          Refinance - Cash Out                           N                          FX                  0
        500817456          Purchase                                       Y                          FX                  0
        500817457          Purchase                                       Y                          FX                  0
        500817460          Purchase                                       Y                          FX                  0
        500817461          Purchase                                       Y                          FX                  0
        500817463          Purchase                                       Y                          FX                  0
        500817465          Purchase                                       Y                          FX                  0
        500817467          Purchase                                       Y                          FX                  0
        500817515          Purchase                                       N                          FX                  0
        500817585          Purchase                                       N                          FX                  0
        500817615          Purchase                                       N                          FX                  0
        500817657          Purchase                                       Y                          FX                  0
        500817660          Purchase                                       N                          FX                  0
        500817731          Refinance - Cash Out                           Y                          FX                  0
        500817752          Purchase                                       Y                          FX                  0
        500817945          Purchase                                       N                          FX                  0
        500810652          Purchase                                       N                          FX                  0
        500817986          Purchase                                       Y                          FX                  0
        500812812          Refinance - Rate/Term                          N                          FX                  0
        500818122          Purchase                                       N                          FX                  0
        500818198          Purchase                                       N                          FX                  0
        500818071          Purchase                                       N                          FX                  0
        500768076          Purchase                                       N                          FX                  0
        500818488          Refinance - Cash Out                           N                          FX                  0
        500818616          Purchase                                       N                          FX                  0
        500818657          Purchase                                       Y                          FX                  0
        500818702          Refinance - Cash Out                           Y                          FX                  0
        500818767          Purchase                                       N                          FX                  0
        500818821          Refinance - Cash Out                           N                          FX                  0
        500793436          Purchase                                       N                          FX                  0
        500819040          Purchase                                       N                          FX                  0
        500819131          Purchase                                       Y                          FX                  0
        500819470          Purchase                                       N                          FX                  0
        500819422          Refinance - Cash Out                           N                          FX                  0
        500819518          Purchase                                       Y                          FX                  0
        500819407          Purchase                                       N                          FX                  0
        500819477          Purchase                                       N                          FX                  0
        500819374          Purchase                                       Y                          FX                  0
        500819623          Purchase                                       N                          FX                  0
        500819622          Purchase                                       N                          FX                  0
        500819661          Purchase                                       N                          FX                  0
        500819684          Purchase                                       N                          FX                  0
        500819695          Purchase                                       N                          FX                  0
        500819774          Refinance - Rate/Term                          N                          FX                  0
        500819504          Purchase                                       N                          FX                  0
        500819527          Purchase                                       N                          FX                  0
        500819580          Purchase                                       N                          FX                  0
        500819852          Purchase                                       N                          FX                  0
        500819891          Purchase                                       N                          FX                  0
        500819902          Purchase                                       N                          FX                  0
        500819907          Refinance - Cash Out                           N                          FX                  0
        500819917          Purchase                                       N                          FX                  0
        500820057          Purchase                                       N                          FX                  0
        500820088          Purchase                                       N                          FX                  0
        500820112          Purchase                                       Y                          FX                  0
        500820151          Purchase                                       Y                          FX                  0
        500820187          Purchase                                       Y                          FX                  0
        500819255          Purchase                                       Y                          FX                  0
        500820206          Purchase                                       Y                          FX                  0
        500820236          Refinance - Cash Out                           N                          FX                  0
        500820246          Purchase                                       N                          FX                  0
        500820248          Purchase                                       Y                          FX                  0
        500820306          Purchase                                       Y                          FX                  0
        500819317          Purchase                                       N                          FX                  0
        500820409          Purchase                                       N                          FX                  0
        500820460          Purchase                                       N                          FX                  0
        500820578          Purchase                                       N                          FX                  0
        500820661          Purchase                                       N                          FX                  0
        500820677          Purchase                                       N                          FX                  0
        500820683          Purchase                                       Y                          FX                  0
        500820293          Purchase                                       N                          FX                  0
        500820721          Purchase                                       N                          FX                  0
        500820723          Purchase                                       N                          FX                  0
        500820772          Purchase                                       N                          FX                  0
        500820415          Purchase                                       Y                          FX                  0
        500820770          Refinance - Cash Out                           Y                          FX                  0
        500820831          Purchase                                       N                          FX                  0
        500820833          Purchase                                       N                          FX                  0
        500821182          Purchase                                       N                          FX                  0
        500821234          Purchase                                       N                          FX                  0
        500821299          Purchase                                       Y                          FX                  0
        500821378          Purchase                                       N                          FX                  0
        500821627          Refinance - Cash Out                           N                          FX                  0
        500813749          Purchase                                       N                          FX                  0
        500813101          Purchase                                       N                          FX                  0
        500821654          Purchase                                       N                          FX                  0
        500821134          Purchase                                       Y                          FX                  0
        500812084          Purchase                                       N                          FX                  0
        500821738          Purchase                                       N                          FX                  0
        500821787          Purchase                                       N                          FX                  0
        500821789          Refinance - Cash Out                           N                          FX                  0
        500821800          Purchase                                       N                          FX                  0
        500821867          Purchase                                       Y                          FX                  0
        500821868          Purchase                                       Y                          FX                  0
        500821869          Purchase                                       Y                          FX                  0
        500821870          Purchase                                       N                          FX                  0
        500821872          Purchase                                       Y                          FX                  0
        500821873          Purchase                                       Y                          FX                  0
        500821874          Purchase                                       Y                          FX                  0
        500822063          Purchase                                       N                          FX                  0
        500822081          Purchase                                       N                          FX                  0
        500820769          Purchase                                       N                          FX                  0
        500822252          Purchase                                       N                          FX                  0
        500822323          Purchase                                       N                          FX                  0
        500822077          Refinance - Cash Out                           Y                          FX                  0
        500816116          Refinance - Cash Out                           Y                          FX                  0
        500822367          Purchase                                       Y                          FX                  0
        500822377          Purchase                                       N                          FX                  0
        500822386          Purchase                                       N                          FX                  0
        500822468          Purchase                                       Y                          FX                  0
        500822513          Purchase                                       N                          FX                  0
        500822517          Purchase                                       N                          FX                  0
        500822567          Purchase                                       N                          FX                  0
        500822687          Purchase                                       N                          FX                  0
        500822697          Purchase                                       Y                          FX                  0
        500761875          Purchase                                       N                          FX                  0
        500822729          Purchase                                       N                          FX                  0
        500822767          Purchase                                       N                          FX                  0
        500822778          Purchase                                       Y                          FX                  0
        500822801          Refinance - Rate/Term                          N                          FX                  0
        500822807          Purchase                                       Y                          FX                  0
        500823061          Purchase                                       N                          FX                  0
        500823088          Purchase                                       N                          FX                  0
        500823100          Purchase                                       Y                          FX                  0
        500822890          Refinance - Cash Out                           N                          FX                  0
        500823178          Purchase                                       N                          FX                  0
        500823180          Purchase                                       N                          FX                  0
        500823289          Purchase                                       N                          FX                  0
        500823287          Refinance - Cash Out                           Y                          FX                  0
        500823321          Purchase                                       N                          FX                  0
        500823358          Purchase                                       N                          FX                  0
        500777026          Refinance - Rate/Term                          N                          FX                  0
        500823376          Refinance - Cash Out                           N                          FX                  0
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        500823408          Refinance - Cash Out                           Y                          FX                  0
        500823457          Purchase                                       N                          FX                  0
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        500824184          Refinance - Cash Out                           N                          FX                  0
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        500824270          Purchase                                       Y                          FX                  0
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        500824351          Refinance - Cash Out                           N                          FX                  0
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        500824548          Refinance - Cash Out                           Y                          FX                  0
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        500803952          Refinance - Cash Out                           Y                          FX                  0
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        500824968          Refinance - Cash Out                           N                          FX                  0
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        500825609          Refinance - Cash Out                           N                          FX                  0
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        500825691          Purchase                                       N                          FX                  0
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        500825741          Refinance - Cash Out                           N                          FX                  0
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        500826482          Refinance - Cash Out                           Y                          FX                  0
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        500826496          Refinance - Cash Out                           Y                          FX                  0
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        500826532          Refinance - Cash Out                           Y                          FX                  0
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        500826614          Purchase                                       N                          FX                  0
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        500826616          Refinance - Cash Out                           N                          FX                  0
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        500797448          Refinance - Cash Out                           Y                          FX                  0
        500826753          Purchase                                       N                          FX                  0
        500817360          Purchase                                       Y                          FX                  0
        500826791          Refinance - Rate/Term                          N                          FX                  0
        500826799          Purchase                                       N                          FX                  0
        500826829          Purchase                                       N                          FX                  0
        500826856          Refinance - Cash Out                           N                          FX                  0
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        500826811          Refinance - Cash Out                           N                          FX                  0
        500826894          Purchase                                       N                          FX                  0
        500826913          Refinance - Cash Out                           N                          FX                  0
        500826777          Purchase                                       Y                          FX                  0
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        500827232          Purchase                                       N                          FX                  0
        500827212          Purchase                                       N                          FX                  0
        500827273          Purchase                                       N                          FX                  0
        500774322          Refinance - Cash Out                           N                          FX                  0
        500802249          Purchase                                       N                          FX                  0
        500797359          Purchase                                       N                          FX                  0
        500794074          Purchase                                       N                          FX                  0
        500827318          Purchase                                       N                          FX                  0
        500827137          Purchase                                       Y                          FX                  0
        500791970          Purchase                                       N                          FX                  0
        500824664          Purchase                                       Y                          FX                  0
        500827507          Purchase                                       N                          FX                  0
        500827510          Refinance - Cash Out                           Y                          FX                  0
        500827059          Purchase                                       N                          FX                  0
        500827840          Refinance - Cash Out                           N                          FX                  0
        500827886          Refinance - Cash Out                           Y                          FX                  0
        500827897          Purchase                                       N                          FX                  0
        500827906          Refinance - Cash Out                           N                          FX                  0
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        500827953          Refinance - Cash Out                           N                          FX                  0
        500827961          Purchase                                       N                          FX                  0
        500827985          Refinance - Cash Out                           N                          FX                  0
        500828091          Purchase                                       N                          FX                  0
        500828116          Refinance - Rate/Term                          N                          FX                  0
        500828092          Purchase                                       N                          FX                  0
        500828150          Refinance - Cash Out                           N                          FX                  0
        500827167          Refinance - Cash Out                           Y                          FX                  0
        500828334          Purchase                                       N                          FX                  0
        500828472          Purchase                                       N                          FX                  0
        500828475          Refinance - Cash Out                           N                          FX                  0
        500828478          Purchase                                       N                          FX                  0
        500828524          Purchase                                       Y                          FX                  0
        500828926          Purchase                                       N                          FX                  0
        500819717          Refinance - Cash Out                           Y                          FX                  0
        500828943          Refinance - Cash Out                           Y                          FX                  0
        500828964          Purchase                                       N                          FX                  0
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        500829210          Purchase                                       Y                          FX                  0
        500829255          Refinance - Cash Out                           Y                          FX                  0
        500829301          Refinance - Cash Out                           N                          FX                  0
        500829336          Refinance - Cash Out                           Y                          FX                  0
        500829338          Purchase                                       N                          FX                  0
        500829354          Refinance - Rate/Term                          Y                          FX                  0
        500829420          Purchase                                       N                          FX                  0
        500829472          Refinance - Cash Out                           N                          FX                  0
        500793380          Purchase                                       N                          FX                  0
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        500829622          Refinance - Cash Out                           N                          FX                  0
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        500829660          Refinance - Cash Out                           Y                          FX                  0
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        500829674          Purchase                                       N                          FX                  0
        500829678          Refinance - Cash Out                           N                          FX                  0
        500829713          Refinance - Cash Out                           N                          FX                  0
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        500829721          Refinance - Cash Out                           Y                          FX                  0
        500829733          Purchase                                       N                          FX                  0
        500829795          Purchase                                       Y                          FX                  0
        500829796          Purchase                                       Y                          FX                  0
        500829801          Purchase                                       Y                          FX                  0
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        500830070          Purchase                                       N                          FX                  0
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        500830898          Refinance - Cash Out                           N                          FX                  0
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        500830951          Purchase                                       N                          FX                  0
        500831043          Refinance - Rate/Term                          Y                          FX                  0
        500805710          Purchase                                       N                          FX                  0
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        500831381          Refinance - Cash Out                           N                          FX                  0
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        500831433          Refinance - Cash Out                           N                          FX                  0
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        500811315          Refinance - Cash Out                           N                          FX                  0
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        500831665          Refinance - Cash Out                           N                          FX                  0
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        500831946          Refinance - Cash Out                           Y                          FX                  0
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        500832226          Refinance - Cash Out                           N                          FX                  0
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        500832446          Purchase                                       N                          FX                  0
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        500832733          Refinance - Cash Out                           N                          FX                  0
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        500826047          Refinance - Cash Out                           Y                          FX                  0
        500832822          Refinance - Cash Out                           N                          FX                  0
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        500826003          Refinance - Cash Out                           N                          FX                  0
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        500833111          Refinance - Cash Out                           Y                          FX                  0
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        500822118          Refinance - Cash Out                           N                          FX                  0
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        500833404          Purchase                                       N                          FX                  0
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        500833922          Refinance - Cash Out                           Y                          FX                  0
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        500834278          Refinance - Cash Out                           N                          FX                  0
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        500834454          Refinance - Cash Out                           Y                          FX                  0
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        500834898          Refinance - Cash Out                           N                          FX                  0
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        500835164          Refinance - Cash Out                           N                          FX                  0
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        500835203          Purchase                                       N                          FX                  0
        500835276          Purchase                                       N                          FX                  0
        500835316          Refinance - Rate/Term                          Y                          FX                  0
        500784487          Purchase                                       Y                          FX                  0
        500835482          Purchase                                       N                          FX                  0
        500835516          Purchase                                       N                          FX                  0
        500835542          Purchase                                       N                          FX                  0
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        500835601          Refinance - Cash Out                           N                          FX                  0
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        500835635          Purchase                                       N                          FX                  0
        500835681          Refinance - Cash Out                           N                          FX                  0
        500835701          Purchase                                       Y                          FX                  0
        500835559          Purchase                                       N                          FX                  0
        500835642          Purchase                                       N                          FX                  0
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        500836069          Refinance - Cash Out                           N                          FX                  0
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        500836227          Refinance - Cash Out                           N                          FX                  0
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        500836332          Refinance - Cash Out                           N                          FX                  0
        500836537          Purchase                                       N                          FX                  0
        500836543          Purchase                                       N                          FX                  0
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        500825132          Refinance - Cash Out                           Y                          FX                  0
        500836846          Purchase                                       N                          FX                  0
        500836969          Purchase                                       N                          FX                  0
        500836999          Purchase                                       Y                          FX                  0
        500837022          Refinance - Rate/Term                          N                          FX                  0
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        500837056          Refinance - Cash Out                           Y                          FX                  0
        500837080          Refinance - Cash Out                           Y                          FX                  0
        500837099          Refinance - Cash Out                           N                          FX                  0
        500837152          Refinance - Cash Out                           N                          FX                  0
        500837180          Purchase                                       Y                          FX                  0
        500837193          Refinance - Cash Out                           Y                          FX                  0
        500837199          Purchase                                       Y                          FX                  0
        500837217          Refinance - Cash Out                           Y                          FX                  0
        500837282          Purchase                                       N                          FX                  0
        500837334          Purchase                                       N                          FX                  0
        500837341          Purchase                                       N                          FX                  0
        500836565          Purchase                                       N                          FX                  0
        500837351          Purchase                                       N                          FX                  0
        500837358          Purchase                                       N                          FX                  0
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        500837344          Refinance - Cash Out                           N                          FX                  0
        500837335          Purchase                                       Y                          FX                  0
        500836210          Purchase                                       Y                          FX                  0
        500837436          Purchase                                       N                          FX                  0
        500837533          Purchase                                       N                          FX                  0
        500837535          Refinance - Cash Out                           N                          FX                  0
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        500837585          Refinance - Cash Out                           N                          FX                  0
        500837598          Refinance - Rate/Term                          N                          FX                  0
        500837614          Purchase                                       N                          FX                  0
        500780444          Purchase                                       N                          FX                  0
        500837656          Purchase                                       N                          FX                  0
        500835555          Purchase                                       N                          FX                  0
        500837696          Purchase                                       Y                          FX                  0
        500837881          Purchase                                       N                          FX                  0
        500729341          Purchase                                       N                          FX                  0
        500837956          Purchase                                       N                          FX                  0
        500838076          Purchase                                       N                          FX                  0
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        500838250          Refinance - Rate/Term                          N                          FX                  0
        500838368          Purchase                                       N                          FX                  0
        500838370          Purchase                                       Y                          FX                  0
        500838473          Purchase                                       N                          FX                  0
        500838486          Purchase                                       N                          FX                  0
        500838498          Purchase                                       N                          FX                  0
        500838554          Purchase                                       N                          FX                  0
        500838594          Purchase                                       N                          FX                  0
        500838416          Purchase                                       Y                          FX                  0
        500838826          Refinance - Rate/Term                          N                          FX                  0
        500838858          Purchase                                       N                          FX                  0
        500838917          Refinance - Cash Out                           Y                          FX                  0
        500838922          Purchase                                       N                          FX                  0
        500838969          Purchase                                       N                          FX                  0
        500838994          Purchase                                       N                          FX                  0
        500833561          Purchase                                       N                          FX                  0
        500838660          Purchase                                       N                          FX                  0
        500839883          Purchase                                       N                          FX                  0
        500807086          Purchase                                       N                          FX                  0
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        500776059          Refinance - Rate/Term                          N                          FX                  0
        500841687          Refinance - Cash Out                           N                          FX                  0
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        500843206          Refinance - Cash Out                           N                          FX                  0
        500843208          Refinance - Rate/Term                          N                          FX                  0
        500843263          Purchase                                       N                          FX                  0
        500843321          Purchase                                       Y                          FX                  0
        500843644          Purchase                                       N                          FX                  0
        500844002          Refinance - Rate/Term                          N                          FX                  0
        500844335          Purchase                                       N                          FX                  0
        500844599          Purchase                                       N                          FX                  0
        500844609          Refinance - Cash Out                           N                          FX                  0
        500839911          Purchase                                       N                          FX                  0
        500844550          Purchase                                       N                          FX                  0
        500844771          Purchase                                       N                          FX                  0
        500844844          Purchase                                       N                          FX                  0
        500844998          Purchase                                       N                          FX                  0
        500845002          Refinance - Cash Out                           N                          FX                  0
        500845123          Purchase                                       N                          FX                  0
        500845119          Purchase                                       N                          FX                  0
        500845326          Purchase                                       N                          FX                  0
        500845595          Refinance - Cash Out                           Y                          FX                  0
        500838753          Purchase                                       N                          FX                  0
        500845641          Purchase                                       Y                          FX                  0
        500845593          Purchase                                       N                          FX                  0
        500845721          Purchase                                       N                          FX                  0
        500845746          Purchase                                       Y                          FX                  0
        500845758          Purchase                                       N                          FX                  0
        500839917          Purchase                                       N                          FX                  0
        500845810          Purchase                                       N                          FX                  0
        500845815          Purchase                                       Y                          FX                  0
        500845822          Purchase                                       Y                          FX                  0
        500845853          Purchase                                       Y                          FX                  0
        500835751          Purchase                                       N                          FX                  0
        500846256          Purchase                                       N                          FX                  0
        500847505          Purchase                                       N                          FX                  0
        500847437          Purchase                                       Y                          FX                  0
        500847513          Purchase                                       N                          FX                  0
        500818840          Purchase                                       N                          FX                  0
        500847614          Purchase                                       Y                          FX                  0
        500847660          Purchase                                       N                          FX                  0
        500847667          Purchase                                       N                          FX                  0
        500847733          Purchase                                       N                          FX                  0
        500847744          Purchase                                       N                          FX                  0
        500847758          Purchase                                       N                          FX                  0
        500847763          Refinance - Cash Out                           Y                          FX                  0
        500847827          Refinance - Rate/Term                          N                          FX                  0
        500847845          Purchase                                       N                          FX                  0
        500847855          Purchase                                       N                          FX                  0
        500847938          Purchase                                       N                          FX                  0
        500847978          Purchase                                       Y                          FX                  0
        500848053          Purchase                                       N                          FX                  0
        500848253          Purchase                                       N                          FX                  0
        500848264          Purchase                                       Y                          FX                  0
        500848289          Purchase                                       N                          FX                  0
        500811111          Purchase                                       N                          FX                  0
        500848302          Purchase                                       N                          FX                  0
        500848317          Refinance - Cash Out                           N                          FX                  0
        500848379          Purchase                                       N                          FX                  0
        500848404          Refinance - Cash Out                           N                          FX                  0
        500848450          Refinance - Rate/Term                          N                          FX                  0
        500848456          Refinance - Cash Out                           N                          FX                  0
        500848406          Purchase                                       N                          FX                  0
        500848480          Refinance - Cash Out                           N                          FX                  0
        500848713          Purchase                                       N                          FX                  0
        500848700          Refinance - Cash Out                           N                          FX                  0
        500838239          Purchase                                       N                          FX                  0
        500848853          Purchase                                       N                          FX                  0
        500848871          Purchase                                       Y                          FX                  0
        500848883          Refinance - Cash Out                           Y                          FX                  0
        500848900          Purchase                                       Y                          FX                  0
        500848927          Purchase                                       N                          FX                  0
        500849015          Purchase                                       N                          FX                  0
        500845943          Purchase                                       N                          FX                  0
        500849083          Purchase                                       N                          FX                  0
        500849114          Purchase                                       N                          FX                  0
        500849108          Purchase                                       N                          FX                  0
        500847433          Purchase                                       N                          FX                  0
        500849161          Purchase                                       N                          FX                  0
        500849182          Purchase                                       N                          FX                  0
        500849233          Purchase                                       N                          FX                  0
        500849255          Purchase                                       Y                          FX                  0
        500807263          Refinance - Cash Out                           N                          FX                  0
        500742299          Refinance - Rate/Term                          N                          FX                  0
        500849293          Purchase                                       N                          FX                  0
        500849367          Refinance - Cash Out                           Y                          FX                  0
        500821813          Refinance - Cash Out                           N                          FX                  0
        500805611          Purchase                                       N                          FX                  0
        500834996          Purchase                                       N                          FX                  0
        500849663          Purchase                                       N                          FX                  0
        500849672          Purchase                                       N                          FX                  0
        500849678          Purchase                                       Y                          FX                  0
        500849683          Purchase                                       N                          FX                  0
        500849708          Purchase                                       N                          FX                  0
        500849802          Purchase                                       N                          FX                  0
        500849806          Purchase                                       N                          FX                  0
        500849859          Refinance - Cash Out                           Y                          FX                  0
        500849774          Refinance - Cash Out                           Y                          FX                  0
        500849876          Refinance - Cash Out                           N                          FX                  0
        500849921          Purchase                                       N                          FX                  0
        500850055          Purchase                                       N                          FX                  0
        500850065          Purchase                                       N                          FX                  0
        500850080          Purchase                                       N                          FX                  0
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        500813861          Purchase                                       N                          FX                  0
        500850176          Purchase                                       N                          FX                  0
        500850198          Refinance - Rate/Term                          N                          FX                  0
        500850253          Purchase                                       N                          FX                  0
        500850281          Purchase                                       N                          FX                  0
        500850416          Purchase                                       N                          FX                  0
        500850468          Purchase                                       N                          FX                  0
        500850478          Refinance - Cash Out                           Y                          FX                  0
        500850526          Purchase                                       N                          FX                  0
        500850537          Refinance - Cash Out                           N                          FX                  0
        500850574          Purchase                                       N                          FX                  0
        500850603          Purchase                                       N                          FX                  0
        500850554          Purchase                                       N                          FX                  0
        500796864          Purchase                                       N                          FX                  0
        500850736          Purchase                                       N                          FX                  0
        500850777          Purchase                                       N                          FX                  0
        500850781          Purchase                                       N                          FX                  0
        500850790          Purchase                                       N                          FX                  0
        500850817          Purchase                                       Y                          FX                  0
        500850841          Purchase                                       Y                          FX                  0
        500850861          Purchase                                       Y                          FX                  0
        500850901          Purchase                                       N                          FX                  0
        500850134          Purchase                                       N                          FX                  0
        500851007          Purchase                                       N                          FX                  0
        500851016          Purchase                                       N                          FX                  0
        500851017          Refinance - Cash Out                           N                          FX                  0
        500851108          Purchase                                       N                          FX                  0
        500851142          Refinance - Cash Out                           N                          FX                  0
        500851145          Purchase                                       N                          FX                  0
        500851193          Purchase                                       N                          FX                  0
        500820768          Purchase                                       N                          FX                  0
        500837095          Refinance - Cash Out                           Y                          FX                  0
        500851302          Purchase                                       N                          FX                  0
        500802253          Purchase                                       N                          FX                  0
        500851318          Purchase                                       Y                          FX                  0
        500851458          Purchase                                       N                          FX                  0
        500851508          Purchase                                       Y                          FX                  0
        500851526          Purchase                                       N                          FX                  0
        500851563          Purchase                                       Y                          FX                  0
        500851541          Purchase                                       Y                          FX                  0
        500851300          Refinance - Cash Out                           N                          FX                  0
        500851611          Purchase                                       N                          FX                  0
        500851641          Purchase                                       N                          FX                  0
        500851663          Purchase                                       N                          FX                  0
        500851717          Refinance - Cash Out                           Y                          FX                  0
        500851722          Purchase                                       Y                          FX                  0
        500851731          Purchase                                       Y                          FX                  0
        500851740          Purchase                                       Y                          FX                  0
        500851753          Refinance - Cash Out                           Y                          FX                  0
        500851899          Purchase                                       N                          FX                  0
        500851918          Purchase                                       N                          FX                  0
        500837347          Purchase                                       Y                          FX                  0
        500814045          Purchase                                       N                          FX                  0
        500851964          Purchase                                       N                          FX                  0
        500852006          Purchase                                       N                          FX                  0
        500852002          Refinance - Rate/Term                          Y                          FX                  0
        500852034          Refinance - Cash Out                           N                          FX                  0
        500852047          Refinance - Cash Out                           Y                          FX                  0
        500852058          Purchase                                       N                          FX                  0
        500852108          Purchase                                       Y                          FX                  0
        500852114          Refinance - Cash Out                           N                          FX                  0
        500852118          Purchase                                       N                          FX                  0
        500852121          Purchase                                       N                          FX                  0
        500852206          Refinance - Cash Out                           N                          FX                  0
        500852217          Purchase                                       Y                          FX                  0
        500852249          Refinance - Cash Out                           N                          FX                  0
        500852273          Refinance - Cash Out                           N                          FX                  0
        500852286          Refinance - Cash Out                           Y                          FX                  0
        500852448          Purchase                                       N                          FX                  0
        500852470          Purchase                                       N                          FX                  0
        500852261          Purchase                                       N                          FX                  0
        500852500          Purchase                                       N                          FX                  0
        500850527          Purchase                                       N                          FX                  0
        500852742          Purchase                                       Y                          FX                  0
        500852790          Purchase                                       N                          FX                  0
        500852826          Purchase                                       N                          FX                  0
        500837455          Purchase                                       Y                          FX                  0
        500852838          Purchase                                       N                          FX                  0
        500852859          Purchase                                       N                          FX                  0
        500852862          Purchase                                       N                          FX                  0
        500852900          Purchase                                       N                          FX                  0
        500852922          Purchase                                       N                          FX                  0
        500822756          Refinance - Cash Out                           N                          FX                  0
        500809235          Purchase                                       N                          FX                  0
        500853050          Purchase                                       N                          FX                  0
        500853011          Purchase                                       N                          FX                  0
        500849848          Purchase                                       N                          FX                  0
        500853102          Purchase                                       N                          FX                  0
        500849241          Purchase                                       N                          FX                  0
        500852496          Purchase                                       N                          FX                  0
        500850722          Refinance - Cash Out                           Y                          FX                  0
        500853173          Purchase                                       N                          FX                  0
        500853179          Purchase                                       N                          FX                  0
        500853215          Purchase                                       N                          FX                  0
        500853241          Purchase                                       N                          FX                  0
        500853265          Purchase                                       N                          FX                  0
        500851984          Purchase                                       N                          FX                  0
        500853385          Purchase                                       Y                          FX                  0
        500853466          Refinance - Cash Out                           N                          FX                  0
        500853495          Purchase                                       N                          FX                  0
        500853524          Purchase                                       N                          FX                  0
        500853645          Refinance - Cash Out                           N                          FX                  0
        500848559          Purchase                                       N                          FX                  0
        500853656          Purchase                                       N                          FX                  0
        500848195          Purchase                                       N                          FX                  0
        500853679          Refinance - Rate/Term                          N                          FX                  0
        500852546          Purchase                                       N                          FX                  0
        500851269          Purchase                                       N                          FX                  0
        500834239          Purchase                                       Y                          FX                  0
        500853775          Refinance - Rate/Term                          N                          FX                  0
        500853793          Purchase                                       N                          FX                  0
        500854044          Purchase                                       Y                          FX                  0
        500826636          Purchase                                       N                          FX                  0
        500853664          Purchase                                       N                          FX                  0
        500853789          Refinance - Cash Out                           Y                          FX                  0
        500854283          Purchase                                       N                          FX                  0
        500794423          Purchase                                       N                          FX                  0
        500854275          Refinance - Cash Out                           Y                          FX                  0
        500854335          Purchase                                       N                          FX                  0
        500854346          Purchase                                       N                          FX                  0
        500854349          Purchase                                       N                          FX                  0
        500854352          Purchase                                       N                          FX                  0
        500854355          Purchase                                       N                          FX                  0
        500854361          Refinance - Cash Out                           Y                          FX                  0
        500854364          Purchase                                       N                          FX                  0
        500854366          Purchase                                       N                          FX                  0
        500854371          Refinance - Cash Out                           Y                          FX                  0
        500854372          Refinance - Cash Out                           N                          FX                  0
        500854377          Refinance - Rate/Term                          N                          FX                  0
        500854380          Purchase                                       N                          FX                  0
        500854382          Purchase                                       N                          FX                  0
        500854387          Purchase                                       Y                          FX                  0
        500854388          Purchase                                       N                          FX                  0
        500854390          Purchase                                       N                          FX                  0
        500854391          Purchase                                       N                          FX                  0
        500854392          Purchase                                       N                          FX                  0
        500854398          Purchase                                       N                          FX                  0
        500854402          Purchase                                       N                          FX                  0
        500854409          Purchase                                       N                          FX                  0
        500854410          Refinance - Rate/Term                          N                          FX                  0
        500854413          Refinance - Cash Out                           N                          FX                  0
        500854416          Purchase                                       N                          FX                  0
        500854417          Refinance - Cash Out                           N                          FX                  0
        500854420          Refinance - Rate/Term                          N                          FX                  0
        500854421          Purchase                                       N                          FX                  0
        500854424          Refinance - Cash Out                           N                          FX                  0
        500854425          Purchase                                       N                          FX                  0
        500854426          Purchase                                       N                          FX                  0
        500854436          Refinance - Cash Out                           N                          FX                  0
        500854438          Purchase                                       N                          FX                  0
        500854444          Refinance - Cash Out                           N                          FX                  0
        500854453          Refinance - Cash Out                           Y                          FX                  0
        500854455          Purchase                                       N                          FX                  0
        500854461          Purchase                                       N                          FX                  0
        500854467          Purchase                                       N                          FX                  0
        500854473          Purchase                                       N                          FX                  0
        500854479          Purchase                                       N                          FX                  0
        500854481          Purchase                                       N                          FX                  0
        500854483          Purchase                                       N                          FX                  0
        500854488          Refinance - Cash Out                           N                          FX                  0
        500854491          Purchase                                       N                          FX                  0
        500854492          Refinance - Cash Out                           N                          FX                  0
        500854495          Purchase                                       N                          FX                  0
        500854496          Purchase                                       Y                          FX                  0
        500854505          Purchase                                       N                          FX                  0
        500854509          Purchase                                       N                          FX                  0
        500854515          Purchase                                       N                          FX                  0
        500854517          Refinance - Rate/Term                          N                          FX                  0
        500854527          Purchase                                       N                          FX                  0
        500854535          Refinance - Rate/Term                          Y                          FX                  0
        500854542          Refinance - Cash Out                           N                          FX                  0
        500854543          Refinance - Cash Out                           N                          FX                  0
        500854545          Purchase                                       N                          FX                  0
        500854709          Purchase                                       N                          FX                  0
        500854881          Purchase                                       N                          FX                  0
        500855254          Purchase                                       N                          FX                  0
        500855276          Purchase                                       N                          FX                  0
        500855320          Purchase                                       N                          FX                  0
        500855336          Refinance - Cash Out                           N                          FX                  0
        500855351          Purchase                                       N                          FX                  0
        500855366          Purchase                                       N                          FX                  0
        500855406          Purchase                                       N                          FX                  0
        500855414          Purchase                                       Y                          FX                  0
        500855461          Purchase                                       Y                          FX                  0
        500855458          Purchase                                       N                          FX                  0
        500855467          Refinance - Cash Out                           Y                          FX                  0
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        500855301          Purchase                                       N                          FX                  0
        500855545          Purchase                                       Y                          FX                  0
        500855571          Purchase                                       N                          FX                  0
        500779955          Refinance - Cash Out                           Y                          FX                  0
        500855659          Purchase                                       N                          FX                  0
        500824622          Purchase                                       Y                          FX                  0
        500855719          Purchase                                       Y                          FX                  0
        500855775          Purchase                                       N                          FX                  0
        500855785          Purchase                                       Y                          FX                  0
        500816403          Refinance - Rate/Term                          N                          FX                  0
        500855944          Purchase                                       N                          FX                  0
        500845469          Purchase                                       N                          FX                  0
        500856003          Purchase                                       N                          FX                  0
        500856033          Purchase                                       Y                          FX                  0
        500856034          Purchase                                       N                          FX                  0
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        500856089          Refinance - Cash Out                           N                          FX                  0
        500850115          Purchase                                       Y                          FX                  0
        500856243          Purchase                                       N                          FX                  0
        500856252          Purchase                                       N                          FX                  0
        500856287          Purchase                                       Y                          FX                  0
        500856259          Purchase                                       N                          FX                  0
        500807276          Purchase                                       N                          FX                  0
        500855412          Purchase                                       N                          FX                  0
        500856433          Purchase                                       N                          FX                  0
        500784103          Refinance - Rate/Term                          N                          FX                  0
        500856547          Purchase                                       Y                          FX                  0
        500856570          Purchase                                       N                          FX                  0
        500809259          Purchase                                       N                          FX                  0
        500856576          Purchase                                       N                          FX                  0
        500856643          Refinance - Cash Out                           N                          FX                  0
        500856645          Purchase                                       Y                          FX                  0
        500856700          Purchase                                       N                          FX                  0
        500856896          Purchase                                       N                          FX                  0
        500856936          Purchase                                       N                          FX                  0
        500856985          Purchase                                       Y                          FX                  0
        500856988          Purchase                                       N                          FX                  0
        500856990          Purchase                                       N                          FX                  0
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        500856786          Purchase                                       N                          FX                  0
        500857067          Refinance - Cash Out                           N                          FX                  0
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        500857027          Purchase                                       Y                          FX                  0
        500857088          Purchase                                       Y                          FX                  0
        500857094          Purchase                                       N                          FX                  0
        500857106          Purchase                                       Y                          FX                  0
        500857129          Refinance - Rate/Term                          N                          FX                  0
        500857165          Purchase                                       N                          FX                  0
        500857205          Purchase                                       N                          FX                  0
        500856853          Purchase                                       N                          FX                  0
        500854317          Purchase                                       N                          FX                  0
        500857279          Purchase                                       N                          FX                  0
        500857469          Purchase                                       N                          FX                  0
        500857487          Purchase                                       Y                          FX                  0
        500857490          Purchase                                       N                          FX                  0
        500857542          Purchase                                       N                          FX                  0
        500857599          Purchase                                       N                          FX                  0
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        500857604          Purchase                                       N                          FX                  0
        500857670          Purchase                                       N                          FX                  0
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        500858123          Refinance - Cash Out                           N                          FX                  0
        500858141          Purchase                                       N                          FX                  0
        500818438          Purchase                                       N                          FX                  0
        500816442          Purchase                                       N                          FX                  0
        500858213          Refinance - Rate/Term                          N                          FX                  0
        500858355          Purchase                                       N                          FX                  0
        500853602          Purchase                                       Y                          FX                  0
        500858387          Refinance - Rate/Term                          N                          FX                  0
        500858397          Purchase                                       N                          FX                  0
        500858434          Purchase                                       N                          FX                  0
        500851990          Purchase                                       Y                          FX                  0
        500858664          Purchase                                       N                          FX                  0
        500807550          Purchase                                       N                          FX                  0
        500858690          Refinance - Cash Out                           N                          FX                  0
        500858681          Refinance - Cash Out                           N                          FX                  0
        500849553          Purchase                                       N                          FX                  0
        500858943          Purchase                                       N                          FX                  0
        500852021          Refinance - Cash Out                           Y                          FX                  0
        500859139          Purchase                                       N                          FX                  0
        500859329          Purchase                                       N                          FX                  0
        500859336          Purchase                                       N                          FX                  0
        500821411          Refinance - Cash Out                           N                          FX                  0
        500859483          Purchase                                       N                          FX                  0
        500859519          Purchase                                       Y                          FX                  0
        500859497          Refinance - Cash Out                           N                          FX                  0
        500859563          Purchase                                       Y                          FX                  0
        500859603          Purchase                                       Y                          FX                  0
        500859628          Purchase                                       Y                          FX                  0
        500859849          Refinance - Cash Out                           N                          FX                  0
        500859933          Purchase                                       N                          FX                  0
        500859938          Purchase                                       N                          FX                  0
        500812053          Refinance - Cash Out                           N                          FX                  0
        500859971          Purchase                                       N                          FX                  0
        500860014          Refinance - Cash Out                           N                          FX                  0
        500860177          Refinance - Cash Out                           Y                          FX                  0
        500860242          Refinance - Cash Out                           N                          FX                  0
        500860291          Refinance - Cash Out                           N                          FX                  0
        500860295          Refinance - Rate/Term                          N                          FX                  0
        500860342          Refinance - Cash Out                           N                          FX                  0
        500860430          Purchase                                       N                          FX                  0
        500860505          Purchase                                       N                          FX                  0
        500812274          Purchase                                       N                          FX                  0
        500828560          Purchase                                       N                          FX                  0
        500860581          Purchase                                       N                          FX                  0
        500860658          Purchase                                       Y                          FX                  0
        500860875          Refinance - Cash Out                           N                          FX                  0
        500855194          Refinance - Cash Out                           Y                          FX                  0
        500860894          Refinance - Cash Out                           Y                          FX                  0
        500860937          Purchase                                       N                          FX                  0
        500861059          Refinance - Cash Out                           N                          FX                  0
        500861062          Refinance - Cash Out                           Y                          FX                  0
        500861285          Purchase                                       N                          FX                  0
        500809471          Purchase                                       N                          FX                  0
        500837121          Refinance - Cash Out                           Y                          FX                  0
        500861504          Refinance - Cash Out                           N                          FX                  0
        500861778          Purchase                                       Y                          FX                  0
        500861835          Purchase                                       N                          FX                  0
        500860613          Purchase                                       Y                          FX                  0
        500861968          Purchase                                       Y                          FX                  0
        500861972          Purchase                                       N                          FX                  0
        500861979          Purchase                                       N                          FX                  0
        500861982          Purchase                                       Y                          FX                  0
        500836560          Purchase                                       N                          FX                  0
        500862374          Purchase                                       N                          FX                  0
        500862608          Purchase                                       N                          FX                  0
        500862636          Purchase                                       N                          FX                  0
        500862646          Refinance - Cash Out                           N                          FX                  0
        500824212          Refinance - Cash Out                           N                          FX                  0
        500825028          Purchase                                       N                          FX                  0
        500860960          Purchase                                       N                          FX                  0
        500858115          Refinance - Cash Out                           Y                          FX                  0
        500862963          Purchase                                       N                          FX                  0
        500821783          Purchase                                       N                          FX                  0
        500857070          Refinance - Rate/Term                          N                          FX                  0
        500863545          Purchase                                       N                          FX                  0
        500863733          Purchase                                       N                          FX                  0
        500863739          Refinance - Cash Out                           N                          FX                  0
        500863747          Purchase                                       N                          FX                  0
        500863882          Purchase                                       N                          FX                  0
        500826311          Purchase                                       N                          FX                  0
        500863990          Refinance - Rate/Term                          N                          FX                  0
        500864164          Purchase                                       N                          FX                  0
        500864255          Purchase                                       Y                          FX                  0
        500864248          Refinance - Rate/Term                          Y                          FX                  0
        500864317          Refinance - Rate/Term                          Y                          FX                  0
        500864360          Purchase                                       N                          FX                  0
        500864368          Refinance - Rate/Term                          Y                          FX                  0
        500849677          Purchase                                       Y                          FX                  0
        500864534          Refinance - Cash Out                           Y                          FX                  0
        500802251          Purchase                                       Y                          FX                  0
        500848720          Refinance - Cash Out                           N                          FX                  0
        500864816          Purchase                                       N                          FX                  0
        500862156          Refinance - Cash Out                           N                          FX                  0
        500864969          Purchase                                       N                          FX                  0
        500864975          Purchase                                       N                          FX                  0
        500864981          Purchase                                       N                          FX                  0
        500864982          Purchase                                       N                          FX                  0
        500864989          Refinance - Cash Out                           N                          FX                  0
        500865004          Refinance - Rate/Term                          N                          FX                  0
        500865009          Purchase                                       N                          FX                  0
        500865010          Purchase                                       N                          FX                  0
        500865014          Purchase                                       N                          FX                  0
        500865015          Refinance - Rate/Term                          N                          FX                  0
        500865018          Refinance - Cash Out                           N                          FX                  0
        500865019          Purchase                                       N                          FX                  0
        500865020          Refinance - Cash Out                           N                          FX                  0
        500865032          Purchase                                       N                          FX                  0
        500856596          Refinance - Cash Out                           N                          FX                  0
        500865252          Purchase                                       N                          FX                  0
        500865313          Purchase                                       N                          FX                  0
        500865485          Purchase                                       Y                          FX                  0
        500865488          Purchase                                       Y                          FX                  0
        500855034          Purchase                                       Y                          FX                  0
        500827819          Refinance - Rate/Term                          N                          FX                  0
        500868043          Refinance - Rate/Term                          N                          FX                  0
        500868299          Refinance - Cash Out                           N                          FX                  0
        500825675          Purchase                                       N                          FX                  0
        500842354          Refinance - Cash Out                           N                          FX                  0
        500848874          Purchase                                       N                          FX                  0
        500831463          Purchase                                       N                          FX                  0
        500816281          Purchase                                       N                          FX                  0
        500871361          Purchase                                       Y                          FX                  0
        407338556          Purchase                                       N                          FX                  0
        408417698          Refinance - Rate/Term                          N                          FX                  0
        408417699          Purchase                                       N                          FX                  0
        408417700          Purchase                                       N                          FX                  0
        408417701          Refinance - Cash Out                           N                          FX                  0
        408417704          Purchase                                       N                          FX                  0
        408417705          Refinance - Rate/Term                          N                          FX                  0
        408417706          Refinance - Cash Out                           N                          FX                  0
        408417711          Refinance - Cash Out                           N                          FX                  0
        408417713          Purchase                                       N                          FX                  0
        408417714          Purchase                                       N                          FX                  0
        408417724          Refinance - Cash Out                           N                          FX                  0
        408417725          Refinance - Cash Out                           N                          FX                  0
        408417728          Refinance - Cash Out                           N                          FX                  0
        408417731          Refinance - Cash Out                           N                          FX                  0
        408417732          Purchase                                       N                          FX                  0
        408417735          Purchase                                       N                          FX                  0
        408417736          Refinance - Cash Out                           N                          FX                  0
        408417737          Purchase                                       N                          FX                  0
        408417738          Refinance - Cash Out                           N                          FX                  0
        408417743          Refinance - Rate/Term                          N                          FX                  0
        408417746          Purchase                                       N                          FX                  0
        408417748          Purchase                                       N                          FX                  0
        408417751          Purchase                                       N                          FX                  0
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        408417760          Refinance - Cash Out                           N                          FX                  0
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        408417789          Refinance - Rate/Term                          N                          FX                  0
        408417797          Refinance - Cash Out                           N                          FX                  0
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        408417805          Purchase                                       N                          FX                  0
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        408417811          Purchase                                       N                          FX                  0
        408417814          Purchase                                       N                          FX                  0
        408417815          Refinance - Rate/Term                          N                          FX                  0
        408417816          Purchase                                       N                          FX                  0
        408417819          Refinance - Cash Out                           N                          FX                  0
        408417822          Purchase                                       N                          FX                  0
        408417824          Refinance - Cash Out                           N                          FX                  0
        408417825          Refinance - Cash Out                           N                          FX                  0
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        408417830          Purchase                                       N                          FX                  0
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        408417834          Refinance - Cash Out                           N                          FX                  0
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        408417845          Refinance - Cash Out                           N                          FX                  0
        408417848          Refinance - Cash Out                           N                          FX                  0
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        408417850          Purchase                                       N                          FX                  0
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        408417856          Purchase                                       N                          FX                  0
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        408417865          Refinance - Cash Out                           N                          FX                  0
        408417866          Refinance - Cash Out                           N                          FX                  0
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        408417870          Purchase                                       N                          FX                  0
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        408417873          Refinance - Cash Out                           N                          FX                  0
        408417874          Purchase                                       N                          FX                  0
        408417875          Refinance - Rate/Term                          N                          FX                  0
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        408417880          Purchase                                       N                          FX                  0
        408417882          Purchase                                       N                          FX                  0
        408417886          Refinance - Cash Out                           N                          FX                  0
        408417890          Refinance - Rate/Term                          N                          FX                  0
        408417893          Refinance - Rate/Term                          N                          FX                  0
        408417894          Refinance - Cash Out                           N                          FX                  0
        408417895          Refinance - Cash Out                           N                          FX                  0
        408417899          Purchase                                       N                          FX                  0
        408417900          Refinance - Cash Out                           N                          FX                  0
        408417901          Refinance - Cash Out                           N                          FX                  0
        408417905          Purchase                                       N                          FX                  0
        408417909          Refinance - Cash Out                           N                          FX                  0
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        408417918          Refinance - Cash Out                           N                          FX                  0
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        408417922          Refinance - Cash Out                           N                          FX                  0
        408417925          Purchase                                       N                          FX                  0
        408417929          Purchase                                       N                          FX                  0
        408417933          Purchase                                       N                          FX                  0
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        408417947          Refinance - Cash Out                           N                          FX                  0
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        408417955          Purchase                                       N                          FX                  0
        408417959          Purchase                                       N                          FX                  0
        408417962          Refinance - Rate/Term                          N                          FX                  0
        408417963          Purchase                                       N                          FX                  0
        408417973          Refinance - Rate/Term                          N                          FX                  0
        408417974          Purchase                                       N                          FX                  0
        408417977          Refinance - Cash Out                           N                          FX                  0
        408417979          Refinance - Cash Out                           N                          FX                  0
        408417980          Purchase                                       N                          FX                  0
        408417982          Refinance - Cash Out                           N                          FX                  0
        408417986          Purchase                                       N                          FX                  0
        408417987          Purchase                                       N                          FX                  0
        408417990          Refinance - Cash Out                           N                          FX                  0
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        408418006          Purchase                                       N                          FX                  0
        408418011          Purchase                                       N                          FX                  0
        408418014          Purchase                                       N                          FX                  0
        408418016          Refinance - Cash Out                           N                          FX                  0
        408418017          Refinance - Cash Out                           N                          FX                  0
        408418024          Purchase                                       N                          FX                  0
        408418025          Purchase                                       N                          FX                  0
        408418026          Purchase                                       N                          FX                  0
        408418027          Purchase                                       N                          FX                  0
        408418028          Purchase                                       N                          FX                  0
        408418030          Refinance - Cash Out                           N                          FX                  0
        408418033          Refinance - Cash Out                           N                          FX                  0
        408418039          Refinance - Rate/Term                          N                          FX                  0
        408418041          Purchase                                       N                          FX                  0
        408418044          Refinance - Rate/Term                          N                          FX                  0
        408418045          Purchase                                       N                          FX                  0
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        408418050          Purchase                                       N                          FX                  0
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        408418053          Refinance - Cash Out                           N                          FX                  0
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        408418060          Refinance - Cash Out                           N                          FX                  0
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        408418068          Refinance - Rate/Term                          N                          FX                  0
        408418071          Refinance - Cash Out                           N                          FX                  0
        408418073          Refinance - Cash Out                           N                          FX                  0
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        408436619          Refinance - Cash Out                           N                          FX                  0
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        408436650          Refinance - Cash Out                           N                          FX                  0
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        408436707          Refinance - Cash Out                           N                          FX                  0
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        408436722          Refinance - Cash Out                           N                          FX                  0
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        408581354          Refinance - Cash Out                           N                          FX                  0
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        408581382          Refinance - Rate/Term                          N                          FX                  0
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        408581385          Refinance - Cash Out                           N                          FX                  0
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        408581390          Refinance - Cash Out                           N                          FX                  0
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        408581392          Refinance - Rate/Term                          N                          FX                  0
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        408581398          Refinance - Cash Out                           N                          FX                  0
        408581399          Refinance - Cash Out                           N                          FX                  0
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        408581404          Refinance - Cash Out                           N                          FX                  0
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        408581413          Refinance - Cash Out                           N                          FX                  0
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        408581418          Refinance - Cash Out                           N                          FX                  0
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        408581424          Refinance - Cash Out                           N                          FX                  0
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        408581448          Refinance - Cash Out                           N                          FX                  0
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        408581457          Refinance - Cash Out                           N                          FX                  0
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        408581460          Refinance - Cash Out                           N                          FX                  0
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        408752097          Refinance - Cash Out                           Y                          FX                  0
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        408752122          Purchase                                       Y                          FX                  0
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        408752125          Purchase                                       N                          FX                  0
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        408770509          Purchase                                       N                          FX                  0
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        408771628          Refinance - Cash Out                           N                          FX                  0
        408771629          Refinance - Cash Out                           N                          FX                  0
        408771630          Refinance - Cash Out                           N                          FX                  0
        408771631          Purchase                                       N                          FX                  0
        408771632          Refinance - Cash Out                           N                          FX                  0
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        408771635          Refinance - Cash Out                           N                          FX                  0
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        408771637          Refinance - Rate/Term                          N                          FX                  0
        408771638          Purchase                                       N                          FX                  0
        408771640          Refinance - Cash Out                           N                          FX                  0
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        408771642          Refinance - Rate/Term                          N                          FX                  0
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        408771644          Refinance - Cash Out                           N                          FX                  0
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        408771647          Refinance - Cash Out                           N                          FX                  0
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        408771650          Purchase                                       N                          FX                  0
        408771651          Refinance - Cash Out                           N                          FX                  0
        408771652          Purchase                                       N                          FX                  0
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        408771654          Refinance - Cash Out                           N                          FX                  0
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        408771666          Refinance - Cash Out                           N                          FX                  0
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        408785808          Purchase                                       Y                          FX                  0
        408785809          Refinance - Cash Out                           Y                          FX                  0
        408785812          Purchase                                       N                          FX                  0
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        408785822          Purchase                                       N                          FX                  0
        408785823          Purchase                                       Y                          FX                  0
        408785824          Refinance - Cash Out                           N                          FX                  0
        408785826          Purchase                                       N                          FX                  0
        408785828          Purchase                                       Y                          FX                  0
        408785829          Purchase                                       N                          FX                  0
        408785830          Purchase                                       N                          FX                  0
        408785831          Refinance - Cash Out                           N                          FX                  0
        408785833          Purchase                                       N                          FX                  0
        408785835          Purchase                                       N                          FX                  0
        408785836          Purchase                                       N                          FX                  0
        408785837          Purchase                                       N                          FX                  0
        408785839          Purchase                                       Y                          FX                  0
        408785842          Purchase                                       N                          FX                  0
        408785843          Refinance - Cash Out                           Y                          FX                  0
        408785844          Refinance - Cash Out                           N                          FX                  0
        408785845          Purchase                                       N                          FX                  0
        408785846          Purchase                                       N                          FX                  0
        408785847          Refinance - Cash Out                           Y                          FX                  0
        408785848          Purchase                                       N                          FX                  0
        408785850          Purchase                                       N                          FX                  0
        408785851          Purchase                                       N                          FX                  0
        408785852          Purchase                                       N                          FX                  0
        408785853          Purchase                                       N                          FX                  0
        408785854          Refinance - Cash Out                           N                          FX                  0
        408785855          Purchase                                       Y                          FX                  0
        408785856          Purchase                                       N                          FX                  0
        408785857          Purchase                                       N                          FX                  0
        408785858          Purchase                                       N                          FX                  0
        408785859          Purchase                                       N                          FX                  0
        408785860          Refinance - Cash Out                           N                          FX                  0
        408785861          Purchase                                       N                          FX                  0
        408785863          Purchase                                       N                          FX                  0
        408785865          Purchase                                       N                          FX                  0
        408785866          Purchase                                       N                          FX                  0
        408785867          Purchase                                       N                          FX                  0
        408785869          Purchase                                       N                          FX                  0
        408785870          Purchase                                       N                          FX                  0
        408785871          Refinance - Cash Out                           N                          FX                  0
        408785873          Purchase                                       N                          FX                  0
        408785874          Purchase                                       Y                          FX                  0
        408785875          Purchase                                       N                          FX                  0
        408785876          Purchase                                       N                          FX                  0
        408785877          Purchase                                       N                          FX                  0
        408785878          Refinance - Cash Out                           N                          FX                  0
        408785879          Purchase                                       N                          FX                  0
        408785880          Purchase                                       N                          FX                  0
        408785882          Refinance - Cash Out                           N                          FX                  0
        408785883          Refinance - Cash Out                           Y                          FX                  0
        408785884          Purchase                                       N                          FX                  0
        408785885          Refinance - Cash Out                           N                          FX                  0
        408785886          Purchase                                       N                          FX                  0
        408785887          Purchase                                       N                          FX                  0
        408785889          Purchase                                       N                          FX                  0
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        408785894          Purchase                                       N                          FX                  0
        408785897          Refinance - Cash Out                           Y                          FX                  0
        408785898          Purchase                                       N                          FX                  0
        408785899          Purchase                                       Y                          FX                  0
        408785900          Purchase                                       N                          FX                  0
        408785902          Purchase                                       N                          FX                  0
        408785903          Purchase                                       N                          FX                  0
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        408785913          Purchase                                       N                          FX                  0
        408785914          Purchase                                       N                          FX                  0
        408785915          Refinance - Rate/Term                          N                          FX                  0
        408785917          Purchase                                       N                          FX                  0
        408785919          Purchase                                       N                          FX                  0
        408785921          Refinance - Cash Out                           N                          FX                  0
        408785923          Purchase                                       N                          FX                  0
        408785924          Purchase                                       N                          FX                  0
        408785925          Purchase                                       Y                          FX                  0
        408785928          Refinance - Cash Out                           Y                          FX                  0
        408785929          Purchase                                       N                          FX                  0
        408785930          Purchase                                       Y                          FX                  0
        408785934          Purchase                                       N                          FX                  0
        408785935          Purchase                                       N                          FX                  0
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        408785937          Purchase                                       N                          FX                  0
        408785938          Purchase                                       N                          FX                  0
        408785940          Refinance - Cash Out                           N                          FX                  0
        408785941          Refinance - Cash Out                           N                          FX                  0
        408785942          Purchase                                       Y                          FX                  0
        408785943          Purchase                                       N                          FX                  0
        408785944          Refinance - Cash Out                           N                          FX                  0
        408785945          Refinance - Cash Out                           Y                          FX                  0
        408785946          Refinance - Rate/Term                          N                          FX                  0
        408785947          Purchase                                       Y                          FX                  0
        408785948          Purchase                                       N                          FX                  0
        408785950          Purchase                                       N                          FX                  0
        408785951          Purchase                                       Y                          FX                  0
        408785952          Refinance - Cash Out                           N                          FX                  0
        408785953          Purchase                                       N                          FX                  0
        408785954          Purchase                                       Y                          FX                  0
        408785955          Purchase                                       N                          FX                  0
        408785959          Refinance - Rate/Term                          N                          FX                  0
        408785960          Refinance - Cash Out                           N                          FX                  0
        408785961          Refinance - Rate/Term                          N                          FX                  0
        408785962          Purchase                                       N                          FX                  0
        408785963          Refinance - Rate/Term                          N                          FX                  0
        408785965          Refinance - Rate/Term                          N                          FX                  0
        408785967          Purchase                                       Y                          FX                  0
        408785968          Refinance - Rate/Term                          N                          FX                  0
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        408785971          Refinance - Cash Out                           N                          FX                  0
        408785972          Refinance - Cash Out                           N                          FX                  0
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        408785974          Purchase                                       Y                          FX                  0
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        408785980          Refinance - Rate/Term                          N                          FX                  0
        408785981          Refinance - Cash Out                           N                          FX                  0
        408785982          Purchase                                       N                          FX                  0
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        408785985          Refinance - Cash Out                           N                          FX                  0
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        408785988          Purchase                                       N                          FX                  0
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        408803656          Refinance - Rate/Term                          N                          FX                  0
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        408803660          Refinance - Cash Out                           N                          FX                  0
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        408803668          Refinance - Rate/Term                          N                          FX                  0
        408803675          Refinance - Cash Out                           N                          FX                  0
        408803676          Purchase                                       N                          FX                  0
        408803679          Purchase                                       N                          FX                  0
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        408835051          Refinance - Cash Out                           N                          FX                  0
        408835052          Refinance - Rate/Term                          N                          FX                  0
        408835053          Refinance - Rate/Term                          Y                          FX                  0
        408835057          Refinance - Cash Out                           Y                          FX                  0
        408835059          Refinance - Cash Out                           Y                          FX                  0
        408835062          Purchase                                       N                          FX                  0
        408835064          Purchase                                       N                          FX                  0
        408835065          Purchase                                       Y                          FX                  0
        408835067          Purchase                                       N                          FX                  0
        408835070          Purchase                                       Y                          FX                  0
        408835071          Refinance - Cash Out                           Y                          FX                  0
        408835072          Refinance - Cash Out                           Y                          FX                  0
        408835074          Purchase                                       N                          FX                  0
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        408852862          Refinance - Cash Out                           N                          FX                  0
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        408861328          Refinance - Cash Out                           Y                          FX                  0
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        408861336          Refinance - Cash Out                           Y                          FX                  0
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        408862734          Purchase                                       N                          FX                  0
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        408862743          Refinance - Cash Out                           N                          FX                  0
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        408862751          Purchase                                       Y                          FX                  0
        408862755          Purchase                                       Y                          FX                  0
        408862763          Refinance - Cash Out                           N                          FX                  0
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        408862765          Refinance - Cash Out                           N                          FX                  0
        408862767          Refinance - Cash Out                           N                          FX                  0
        408862769          Purchase                                       Y                          FX                  0
        408862772          Purchase                                       Y                          FX                  0
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        408862789          Purchase                                       Y                          FX                  0
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        408862794          Purchase                                       N                          FX                  0
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        408862796          Purchase                                       Y                          FX                  0
        408862799          Refinance - Cash Out                           Y                          FX                  0
        408869588          Purchase                                       N                          FX                  0
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        408869612          Refinance - Cash Out                           N                          FX                  0
        408869613          Purchase                                       N                          FX                  0
        408869616          Purchase                                       N                          FX                  0
        408869618          Refinance - Cash Out                           N                          FX                  0
        408869619          Purchase                                       N                          FX                  0
        408869621          Purchase                                       Y                          FX                  0
        408869622          Refinance - Cash Out                           N                          FX                  0
        408869623          Purchase                                       N                          FX                  0
        408869624          Refinance - Cash Out                           Y                          FX                  0
        408869625          Purchase                                       N                          FX                  0
        408869629          Purchase                                       N                          FX                  0
        408869632          Purchase                                       N                          FX                  0
        408869633          Refinance - Rate/Term                          N                          FX                  0
        408869634          Purchase                                       N                          FX                  0
        408869635          Purchase                                       N                          FX                  0
        408869641          Purchase                                       N                          FX                  0
        408869643          Purchase                                       N                          FX                  0
        408869647          Purchase                                       N                          FX                  0
        408869648          Purchase                                       N                          FX                  0
        408869652          Purchase                                       Y                          FX                  0
        408869653          Purchase                                       N                          FX                  0
        408869654          Purchase                                       N                          FX                  0
        408869656          Purchase                                       N                          FX                  0
        408869657          Purchase                                       N                          FX                  0
        408869658          Purchase                                       N                          FX                  0
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        408869668          Purchase                                       N                          FX                  0
        408869670          Purchase                                       Y                          FX                  0
        408869672          Refinance - Cash Out                           N                          FX                  0
        408869674          Refinance - Cash Out                           N                          FX                  0
        408869675          Purchase                                       N                          FX                  0
        408869678          Purchase                                       N                          FX                  0
        408869680          Purchase                                       N                          FX                  0
        408869681          Refinance - Rate/Term                          N                          FX                  0
        408869683          Purchase                                       N                          FX                  0
        408869687          Refinance - Cash Out                           N                          FX                  0
        408869689          Purchase                                       Y                          FX                  0
        408869691          Purchase                                       N                          FX                  0
        408869692          Purchase                                       N                          FX                  0
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        408869698          Purchase                                       Y                          FX                  0
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        408871398          Purchase                                       Y                          FX                  0
        408871399          Purchase                                       N                          FX                  0
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        408871401          Purchase                                       N                          FX                  0
        408871402          Purchase                                       Y                          FX                  0
        408871403          Purchase                                       Y                          FX                  0
        408871405          Refinance - Rate/Term                          Y                          FX                  0
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        408871409          Purchase                                       Y                          FX                  0
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        408871411          Purchase                                       N                          FX                  0
        408871412          Purchase                                       Y                          FX                  0
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        408871415          Purchase                                       N                          FX                  0
        408871417          Purchase                                       N                          FX                  0
        408877540          Purchase                                       N                          FX                  0
        408896711          Purchase                                       Y                          FX                  0
        408904527          Purchase                                       Y                          FX                  0
        408904532          Purchase                                       Y                          FX                  0
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        408904544          Purchase                                       Y                          FX                  0
        408904545          Refinance - Cash Out                           Y                          FX                  0
        408940757          Purchase                                       N                          FX                  0
        408940758          Purchase                                       Y                          FX                  0
        408940759          Refinance - Cash Out                           Y                          FX                  0
        408940760          Purchase                                       N                          FX                  0
        408940762          Purchase                                       N                          FX                  0
        408940763          Refinance - Cash Out                           Y                          FX                  0
        408940764          Purchase                                       N                          FX                  0
        408940765          Purchase                                       N                          FX                  0
        408940766          Purchase                                       N                          FX                  0
        408940769          Purchase                                       N                          FX                  0
        408940770          Purchase                                       N                          FX                  0
        408940774          Purchase                                       Y                          FX                  0
        408940775          Purchase                                       Y                          FX                  0
        408940776          Purchase                                       N                          FX                  0
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        408940779          Purchase                                       N                          FX                  0
        408940782          Purchase                                       N                          FX                  0
        408940783          Purchase                                       N                          FX                  0
        408940784          Purchase                                       N                          FX                  0
        408940785          Purchase                                       N                          FX                  0
        408949239          Refinance - Cash Out                           Y                          FX                  0
        408949242          Refinance - Cash Out                           Y                          FX                  0
        408949244          Purchase                                       Y                          FX                  0
        408949245          Purchase                                       N                          FX                  0
        408949246          Purchase                                       Y                          FX                  0
        408949247          Purchase                                       N                          FX                  0
        408949248          Refinance - Cash Out                           Y                          FX                  0
        408949249          Purchase                                       Y                          FX                  0
        408949250          Purchase                                       Y                          FX                  0
        408949252          Refinance - Cash Out                           N                          FX                  0
        408949253          Refinance - Cash Out                           Y                          FX                  0
        408949254          Refinance - Cash Out                           Y                          FX                  0
        408949256          Refinance - Cash Out                           Y                          FX                  0
        408949257          Refinance - Cash Out                           N                          FX                  0
        408949258          Refinance - Cash Out                           Y                          FX                  0
        408949259          Refinance - Cash Out                           Y                          FX                  0
        408949260          Purchase                                       Y                          FX                  0
        408949261          Refinance - Cash Out                           N                          FX                  0
        408949262          Purchase                                       Y                          FX                  0
        408949263          Purchase                                       Y                          FX                  0
        408949264          Refinance - Cash Out                           Y                          FX                  0
        408949265          Refinance - Cash Out                           N                          FX                  0
        408949267          Purchase                                       N                          FX                  0
        408949268          Purchase                                       Y                          FX                  0
        408949269          Purchase                                       N                          FX                  0
        408949270          Refinance - Cash Out                           Y                          FX                  0
        408949271          Purchase                                       N                          FX                  0
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        408949274          Refinance - Cash Out                           N                          FX                  0
        408949275          Refinance - Cash Out                           Y                          FX                  0
        408949276          Purchase                                       N                          FX                  0
        408949277          Refinance - Cash Out                           Y                          FX                  0
        408949279          Refinance - Cash Out                           Y                          FX                  0
        408949280          Purchase                                       Y                          FX                  0
        408949281          Refinance - Cash Out                           N                          FX                  0
        408949285          Purchase                                       Y                          FX                  0
        408949286          Refinance - Cash Out                           N                          FX                  0
        408949288          Refinance - Cash Out                           Y                          FX                  0
        408949289          Refinance - Cash Out                           N                          FX                  0
        408949291          Refinance - Cash Out                           N                          FX                  0
        408949292          Purchase                                       N                          FX                  0
        408949294          Purchase                                       N                          FX                  0
        408949295          Refinance - Cash Out                           N                          FX                  0
        408949296          Refinance - Cash Out                           Y                          FX                  0
        408949297          Refinance - Cash Out                           N                          FX                  0
        408949298          Purchase                                       Y                          FX                  0
        408949299          Purchase                                       Y                          FX                  0
        408949300          Purchase                                       N                          FX                  0
        408949301          Purchase                                       N                          FX                  0
        408949302          Purchase                                       Y                          FX                  0
        408949303          Refinance - Cash Out                           Y                          FX                  0
        408949304          Refinance - Cash Out                           Y                          FX                  0
        408949306          Refinance - Cash Out                           Y                          FX                  0
        408949307          Purchase                                       Y                          FX                  0
        408949308          Purchase                                       Y                          FX                  0
        408949309          Refinance - Cash Out                           Y                          FX                  0
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        408949311          Refinance - Cash Out                           N                          FX                  0
        408949312          Refinance - Cash Out                           N                          FX                  0
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        408949319          Purchase                                       N                          FX                  0
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        408949321          Refinance - Cash Out                           Y                          FX                  0
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        408949326          Purchase                                       N                          FX                  0
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        408949329          Refinance - Cash Out                           N                          FX                  0
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        408949332          Refinance - Cash Out                           Y                          FX                  0
        408955338          Refinance - Cash Out                           Y                          FX                  0
        408955345          Purchase                                       Y                          FX                  0
        408955350          Purchase                                       N                          FX                  0
        408955352          Purchase                                       N                          FX                  0
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        408955355          Purchase                                       Y                          FX                  0
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        408955358          Refinance - Cash Out                           N                          FX                  0
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        408955363          Purchase                                       N                          FX                  0
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        408955368          Purchase                                       N                          FX                  0
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        408978617          Refinance - Cash Out                           N                          FX                  0
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        408978619          Refinance - Cash Out                           N                          FX                  0
        408978623          Refinance - Cash Out                           N                          FX                  0
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        408978625          Purchase                                       N                          FX                  0
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        408978632          Refinance - Cash Out                           N                          FX                  0
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        408978657          Purchase                                       N                          FX                  0
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        408978670          Purchase                                       N                          FX                  0
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        408978680          Purchase                                       Y                          FX                  0
        408978682          Purchase                                       Y                          FX                  0
        408978683          Refinance - Cash Out                           Y                          FX                  0
        408978690          Purchase                                       Y                          FX                  0
        408978692          Purchase                                       N                          FX                  0
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        408978697          Refinance - Cash Out                           Y                          FX                  0
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        408978700          Refinance - Cash Out                           N                          FX                  0
        408978702          Purchase                                       Y                          FX                  0
        408978706          Purchase                                       Y                          FX                  0
        408978708          Purchase                                       Y                          FX                  0
        408978711          Purchase                                       N                          FX                  0
        408978713          Purchase                                       Y                          FX                  0
        408978716          Refinance - Cash Out                           N                          FX                  0
        408978718          Refinance - Cash Out                           Y                          FX                  0
        408978719          Purchase                                       Y                          FX                  0
        408978720          Purchase                                       Y                          FX                  0
        408978721          Purchase                                       Y                          FX                  0
        408978722          Purchase                                       Y                          FX                  0
        408978724          Purchase                                       Y                          FX                  0
        408978725          Refinance - Cash Out                           N                          FX                  0
        408978726          Purchase                                       Y                          FX                  0
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        408978732          Purchase                                       N                          FX                  0
        408978733          Purchase                                       Y                          FX                  0
        408978734          Refinance - Cash Out                           N                          FX                  0
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        408978738          Refinance - Cash Out                           Y                          FX                  0
        408978739          Purchase                                       Y                          FX                  0
        408978740          Refinance - Cash Out                           Y                          FX                  0
        408978741          Refinance - Cash Out                           N                          FX                  0
        408978743          Refinance - Cash Out                           N                          FX                  0
        408978747          Purchase                                       Y                          FX                  0
        408978749          Purchase                                       N                          FX                  0
        408978750          Refinance - Cash Out                           N                          FX                  0
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        408978758          Purchase                                       Y                          FX                  0
        408978760          Refinance - Cash Out                           Y                          FX                  0
        408978761          Purchase                                       N                          FX                  0
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        408978765          Purchase                                       Y                          FX                  0
        408978766          Purchase                                       Y                          FX                  0
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        408978784          Purchase                                       Y                          FX                  0
        408978785          Refinance - Cash Out                           Y                          FX                  0
        408978787          Refinance - Cash Out                           N                          FX                  0
        408978788          Purchase                                       N                          FX                  0
        408978789          Purchase                                       N                          FX                  0
        408978793          Refinance - Cash Out                           Y                          FX                  0
        408978795          Purchase                                       N                          FX                  0
        408978799          Purchase                                       N                          FX                  0
        408978806          Purchase                                       Y                          FX                  0
        408978807          Refinance - Cash Out                           N                          FX                  0
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        408978813          Purchase                                       N                          FX                  0
        408978814          Purchase                                       Y                          FX                  0
        408978816          Purchase                                       Y                          FX                  0
        408978817          Purchase                                       N                          FX                  0
        408978819          Refinance - Cash Out                           N                          FX                  0
        408978820          Refinance - Cash Out                           N                          FX                  0
        408978822          Purchase                                       Y                          FX                  0
        408978826          Refinance - Cash Out                           Y                          FX                  0
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        408978835          Purchase                                       Y                          FX                  0
        408978836          Purchase                                       Y                          FX                  0
        408978837          Purchase                                       N                          FX                  0
        408978838          Purchase                                       N                          FX                  0
        408978839          Purchase                                       N                          FX                  0
        408978840          Purchase                                       N                          FX                  0
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        408978846          Purchase                                       Y                          FX                  0
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        408978849          Purchase                                       N                          FX                  0
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        408978858          Purchase                                       N                          FX                  0
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        408978878          Purchase                                       N                          FX                  0
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        408978892          Purchase                                       N                          FX                  0
        408978897          Refinance - Cash Out                           N                          FX                  0
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        408978914          Refinance - Cash Out                           N                          FX                  0
        408978915          Refinance - Cash Out                           Y                          FX                  0
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        408978919          Purchase                                       N                          FX                  0
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        408978924          Purchase                                       N                          FX                  0
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        408978931          Refinance - Cash Out                           Y                          FX                  0
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        408978933          Purchase                                       N                          FX                  0
        408978934          Purchase                                       Y                          FX                  0
        408978936          Purchase                                       N                          FX                  0
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        408978940          Purchase                                       N                          FX                  0
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        408978950          Purchase                                       N                          FX                  0
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        408978957          Purchase                                       N                          FX                  0
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        408978972          Purchase                                       N                          FX                  0
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        408978986          Purchase                                       N                          FX                  0
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        408978988          Refinance - Cash Out                           N                          FX                  0
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        408978999          Purchase                                       N                          FX                  0
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        408979029          Refinance - Cash Out                           N                          FX                  0
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        408979063          Refinance - Cash Out                           Y                          FX                  0
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        408979077          Refinance - Cash Out                           N                          FX                  0
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        408979097          Purchase                                       N                          FX                  0
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        408979102          Refinance - Cash Out                           N                          FX                  0
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        408979109          Purchase                                       N                          FX                  0
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        408979113          Refinance - Cash Out                           Y                          FX                  0
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        408979138          Refinance - Cash Out                           N                          FX                  0
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        408979145          Refinance - Cash Out                           Y                          FX                  0
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        408979148          Purchase                                       Y                          FX                  0
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        408979170          Purchase                                       N                          FX                  0
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        408979176          Refinance - Cash Out                           Y                          FX                  0
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        408979196          Purchase                                       Y                          FX                  0
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        408979202          Refinance - Cash Out                           N                          FX                  0
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        408979205          Purchase                                       Y                          FX                  0
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        408979207          Purchase                                       N                          FX                  0
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        408979216          Refinance - Cash Out                           Y                          FX                  0
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        408979227          Refinance - Cash Out                           N                          FX                  0
        408979228          Refinance - Cash Out                           Y                          FX                  0
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        408979232          Purchase                                       N                          FX                  0
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        408979238          Purchase                                       Y                          FX                  0
        408979239          Refinance - Cash Out                           Y                          FX                  0
        408979244          Refinance - Cash Out                           N                          FX                  0
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        408979269          Refinance - Cash Out                           Y                          FX                  0
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        408979276          Refinance - Cash Out                           Y                          FX                  0
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        408979294          Purchase                                       N                          FX                  0
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        408979298          Purchase                                       N                          FX                  0
        408979299          Refinance - Cash Out                           N                          FX                  0
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        408979306          Refinance - Cash Out                           N                          FX                  0
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        408979316          Refinance - Cash Out                           N                          FX                  0
        408979317          Refinance - Cash Out                           N                          FX                  0
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        408979325          Refinance - Cash Out                           N                          FX                  0
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        408979328          Refinance - Cash Out                           Y                          FX                  0
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        408979338          Refinance - Cash Out                           N                          FX                  0
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        408979344          Purchase                                       N                          FX                  0
        408979345          Purchase                                       N                          FX                  0
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        408979360          Refinance - Cash Out                           Y                          FX                  0
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        408979375          Refinance - Cash Out                           Y                          FX                  0
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        408979382          Refinance - Cash Out                           Y                          FX                  0
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        408979393          Refinance - Cash Out                           N                          FX                  0
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        408979410          Refinance - Cash Out                           N                          FX                  0
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        408979441          Refinance - Cash Out                           Y                          FX                  0
        408979442          Purchase                                       Y                          FX                  0
        408979443          Refinance - Cash Out                           Y                          FX                  0
        408979444          Purchase                                       Y                          FX                  0
        408979445          Purchase                                       Y                          FX                  0
        408979447          Purchase                                       Y                          FX                  0
        408979448          Purchase                                       N                          FX                  0
        408979450          Purchase                                       Y                          FX                  0
        408979452          Purchase                                       Y                          FX                  0
        408979453          Refinance - Cash Out                           Y                          FX                  0
        408979454          Refinance - Cash Out                           Y                          FX                  0
        408979455          Purchase                                       Y                          FX                  0
        408979458          Purchase                                       N                          FX                  0
        408979459          Purchase                                       N                          FX                  0
        408979460          Purchase                                       Y                          FX                  0
        408979461          Refinance - Cash Out                           Y                          FX                  0
        408979462          Purchase                                       N                          FX                  0
        408979463          Purchase                                       N                          FX                  0
        408979464          Refinance - Cash Out                           Y                          FX                  0
        408979467          Purchase                                       Y                          FX                  0
        408979468          Purchase                                       Y                          FX                  0
        408979470          Purchase                                       Y                          FX                  0
        408979472          Purchase                                       N                          FX                  0
        408979473          Purchase                                       N                          FX                  0
        408979475          Purchase                                       N                          FX                  0
        408979476          Purchase                                       N                          FX                  0
        408979477          Purchase                                       N                          FX                  0
        408979480          Purchase                                       N                          FX                  0
        408979482          Purchase                                       Y                          FX                  0
        408979484          Purchase                                       N                          FX                  0
        408979485          Purchase                                       N                          FX                  0
        408979489          Purchase                                       N                          FX                  0
        408979491          Purchase                                       Y                          FX                  0
        408979492          Purchase                                       Y                          FX                  0
        408979497          Purchase                                       N                          FX                  0
        408979499          Purchase                                       N                          FX                  0
        408979502          Refinance - Cash Out                           Y                          FX                  0
        408979505          Purchase                                       N                          FX                  0
        408979513          Refinance - Cash Out                           N                          FX                  0
        408979514          Purchase                                       Y                          FX                  0
        408979515          Purchase                                       N                          FX                  0
        408979516          Purchase                                       Y                          FX                  0
        408979518          Purchase                                       Y                          FX                  0
        408979523          Refinance - Cash Out                           N                          FX                  0
        408979524          Purchase                                       Y                          FX                  0
        408979525          Purchase                                       Y                          FX                  0
        408979526          Purchase                                       Y                          FX                  0
        408979527          Refinance - Cash Out                           Y                          FX                  0
        408979531          Refinance - Cash Out                           Y                          FX                  0
        408979534          Purchase                                       Y                          FX                  0
        408979539          Purchase                                       Y                          FX                  0
        408979540          Purchase                                       N                          FX                  0
        408979543          Purchase                                       N                          FX                  0
        408979544          Purchase                                       Y                          FX                  0
        408979545          Purchase                                       N                          FX                  0
        408979547          Refinance - Cash Out                           Y                          FX                  0
        408979549          Purchase                                       N                          FX                  0
        408979550          Purchase                                       N                          FX                  0
        408979552          Purchase                                       Y                          FX                  0
        408979555          Refinance - Cash Out                           Y                          FX                  0
        408979556          Purchase                                       N                          FX                  0
        408979557          Purchase                                       Y                          FX                  0
        408979559          Purchase                                       Y                          FX                  0
        408979561          Refinance - Cash Out                           N                          FX                  0
        408979564          Purchase                                       N                          FX                  0
        408979566          Refinance - Cash Out                           Y                          FX                  0
        408979567          Purchase                                       Y                          FX                  0
        408979569          Purchase                                       Y                          FX                  0
        408979571          Purchase                                       N                          FX                  0
        408979572          Refinance - Cash Out                           Y                          FX                  0
        408979573          Purchase                                       Y                          FX                  0
        408979576          Refinance - Rate/Term                          N                          FX                  0
        408979577          Refinance - Cash Out                           Y                          FX                  0
        408979579          Purchase                                       Y                          FX                  0
        408979585          Purchase                                       Y                          FX                  0
        408979586          Purchase                                       N                          FX                  0
        408979590          Refinance - Cash Out                           Y                          FX                  0
        408979591          Purchase                                       N                          FX                  0
        408979593          Purchase                                       N                          FX                  0
        408979597          Purchase                                       Y                          FX                  0
        408979598          Purchase                                       Y                          FX                  0
        408979599          Refinance - Cash Out                           Y                          FX                  0
        408979601          Purchase                                       N                          FX                  0
        408979602          Refinance - Cash Out                           Y                          FX                  0
        408979604          Purchase                                       N                          FX                  0
        408979605          Refinance - Cash Out                           Y                          FX                  0
        408979607          Purchase                                       N                          FX                  0
        408979608          Purchase                                       N                          FX                  0
        408979609          Refinance - Cash Out                           Y                          FX                  0
        408979610          Purchase                                       Y                          FX                  0
        408979612          Refinance - Cash Out                           Y                          FX                  0
        408979613          Refinance - Cash Out                           Y                          FX                  0
        408979615          Purchase                                       Y                          FX                  0
        408979618          Purchase                                       N                          FX                  0
        408979620          Purchase                                       N                          FX                  0
        408979621          Purchase                                       Y                          FX                  0
        408979623          Purchase                                       Y                          FX                  0
        408979629          Purchase                                       N                          FX                  0
        408979630          Refinance - Cash Out                           Y                          FX                  0
        408979631          Purchase                                       N                          FX                  0
        408979633          Purchase                                       Y                          FX                  0
        408979634          Purchase                                       Y                          FX                  0
        408979636          Purchase                                       Y                          FX                  0
        408979638          Refinance - Cash Out                           Y                          FX                  0
        408979639          Refinance - Cash Out                           N                          FX                  0
        408979641          Purchase                                       Y                          FX                  0
        408979643          Purchase                                       N                          FX                  0
        408979648          Refinance - Cash Out                           N                          FX                  0
        408979649          Refinance - Cash Out                           N                          FX                  0
        408979650          Purchase                                       N                          FX                  0
        408979653          Refinance - Cash Out                           Y                          FX                  0
        408979654          Refinance - Cash Out                           N                          FX                  0
        408979655          Refinance - Cash Out                           Y                          FX                  0
        408979659          Purchase                                       N                          FX                  0
        408979660          Refinance - Cash Out                           Y                          FX                  0
        408979661          Refinance - Cash Out                           N                          FX                  0
        408979663          Refinance - Cash Out                           N                          FX                  0
        408979665          Purchase                                       N                          FX                  0
        408979667          Refinance - Cash Out                           N                          FX                  0
        408979668          Purchase                                       N                          FX                  0
        408979669          Purchase                                       Y                          FX                  0
        408979671          Purchase                                       Y                          FX                  0
        408979672          Refinance - Rate/Term                          Y                          FX                  0
        408979673          Refinance - Cash Out                           N                          FX                  0
        408979674          Purchase                                       Y                          FX                  0
        408979682          Refinance - Cash Out                           Y                          FX                  0
        408979683          Purchase                                       Y                          FX                  0
        408979684          Purchase                                       Y                          FX                  0
        408979685          Purchase                                       Y                          FX                  0
        408979686          Refinance - Cash Out                           N                          FX                  0
        408979687          Refinance - Cash Out                           Y                          FX                  0
        408979688          Purchase                                       N                          FX                  0
        408979691          Purchase                                       Y                          FX                  0
        408979693          Purchase                                       N                          FX                  0
        408979694          Purchase                                       N                          FX                  0
        408979696          Purchase                                       Y                          FX                  0
        408979697          Purchase                                       N                          FX                  0
        408979699          Purchase                                       Y                          FX                  0
        408979701          Purchase                                       Y                          FX                  0
        408979702          Refinance - Cash Out                           N                          FX                  0
        408979703          Refinance - Cash Out                           Y                          FX                  0
        408979704          Purchase                                       N                          FX                  0
        408979705          Refinance - Cash Out                           Y                          FX                  0
        408979706          Purchase                                       N                          FX                  0
        408979709          Purchase                                       Y                          FX                  0
        408979710          Refinance - Cash Out                           N                          FX                  0
        408979714          Refinance - Rate/Term                          Y                          FX                  0
        408979716          Refinance - Cash Out                           Y                          FX                  0
        408979722          Purchase                                       Y                          FX                  0
        408979724          Purchase                                       Y                          FX                  0
        408979725          Refinance - Cash Out                           Y                          FX                  0
        408979726          Purchase                                       N                          FX                  0
        408979730          Purchase                                       Y                          FX                  0
        408979731          Purchase                                       N                          FX                  0
        408979732          Refinance - Cash Out                           Y                          FX                  0
        408979737          Purchase                                       N                          FX                  0
        408979738          Purchase                                       N                          FX                  0
        408979739          Purchase                                       Y                          FX                  0
        408979741          Purchase                                       Y                          FX                  0
        408979743          Purchase                                       N                          FX                  0
        408979745          Refinance - Cash Out                           Y                          FX                  0
        408979746          Purchase                                       N                          FX                  0
        408979747          Purchase                                       Y                          FX                  0
        408979749          Purchase                                       Y                          FX                  0
        408979751          Refinance - Cash Out                           N                          FX                  0
        408979753          Purchase                                       N                          FX                  0
        408979756          Purchase                                       Y                          FX                  0
        408979757          Purchase                                       Y                          FX                  0
        408979758          Purchase                                       Y                          FX                  0
        408979759          Purchase                                       N                          FX                  0
        408979761          Refinance - Cash Out                           Y                          FX                  0
        408979762          Purchase                                       Y                          FX                  0
        408979763          Purchase                                       N                          FX                  0
        408979764          Purchase                                       N                          FX                  0
        408979771          Refinance - Cash Out                           Y                          FX                  0
        408979772          Refinance - Cash Out                           Y                          FX                  0
        408979774          Purchase                                       Y                          FX                  0
        408979775          Refinance - Cash Out                           N                          FX                  0
        408979776          Refinance - Cash Out                           Y                          FX                  0
        408979777          Purchase                                       Y                          FX                  0
        408979784          Refinance - Cash Out                           Y                          FX                  0
        408979785          Purchase                                       Y                          FX                  0
        408979786          Purchase                                       Y                          FX                  0
        408979787          Refinance - Rate/Term                          Y                          FX                  0
        408979790          Purchase                                       N                          FX                  0
        408979794          Refinance - Cash Out                           Y                          FX                  0
        408979795          Purchase                                       Y                          FX                  0
        408979796          Purchase                                       Y                          FX                  0
        408979797          Refinance - Cash Out                           N                          FX                  0
        408979798          Refinance - Cash Out                           Y                          FX                  0
        408979799          Purchase                                       N                          FX                  0
        408979802          Purchase                                       Y                          FX                  0
        408979804          Refinance - Cash Out                           Y                          FX                  0
        408979805          Purchase                                       N                          FX                  0
        408979806          Purchase                                       Y                          FX                  0
        408979807          Purchase                                       N                          FX                  0
        408979810          Purchase                                       N                          FX                  0
        408979812          Purchase                                       N                          FX                  0
        408979813          Purchase                                       Y                          FX                  0
        408979815          Purchase                                       N                          FX                  0
        408979816          Purchase                                       Y                          FX                  0
        408979818          Purchase                                       N                          FX                  0
        408979819          Purchase                                       N                          FX                  0
        408979820          Purchase                                       N                          FX                  0
        408979822          Refinance - Cash Out                           N                          FX                  0
        408979823          Refinance - Cash Out                           N                          FX                  0
        408979824          Purchase                                       N                          FX                  0
        408979825          Purchase                                       Y                          FX                  0
        408979826          Purchase                                       N                          FX                  0
        408979829          Purchase                                       N                          FX                  0
        408979830          Purchase                                       Y                          FX                  0
        408979833          Purchase                                       N                          FX                  0
        408979835          Purchase                                       N                          FX                  0
        408979836          Purchase                                       Y                          FX                  0
        408979839          Purchase                                       N                          FX                  0
        408979840          Purchase                                       Y                          FX                  0
        408979842          Purchase                                       N                          FX                  0
        408979843          Purchase                                       Y                          FX                  0
        408979844          Refinance - Cash Out                           Y                          FX                  0
        408979847          Purchase                                       Y                          FX                  0
        408979850          Purchase                                       N                          FX                  0
        408979851          Refinance - Cash Out                           N                          FX                  0
        408979852          Refinance - Cash Out                           Y                          FX                  0
        408979855          Refinance - Cash Out                           N                          FX                  0
        408979862          Purchase                                       Y                          FX                  0
        408979863          Purchase                                       N                          FX                  0
        408979864          Refinance - Cash Out                           N                          FX                  0
        408979865          Purchase                                       N                          FX                  0
        408979866          Refinance - Rate/Term                          Y                          FX                  0
        408979867          Purchase                                       Y                          FX                  0
        408979868          Refinance - Cash Out                           Y                          FX                  0
        408979869          Refinance - Cash Out                           Y                          FX                  0
        408979872          Purchase                                       N                          FX                  0
        408979873          Purchase                                       N                          FX                  0
        408979874          Refinance - Cash Out                           Y                          FX                  0
        408979876          Purchase                                       N                          FX                  0
        408979877          Purchase                                       Y                          FX                  0
        408979879          Refinance - Cash Out                           Y                          FX                  0
        408979880          Refinance - Cash Out                           Y                          FX                  0
        408979881          Refinance - Cash Out                           Y                          FX                  0
        408979883          Purchase                                       N                          FX                  0
        408979887          Purchase                                       Y                          FX                  0
        408979888          Refinance - Cash Out                           N                          FX                  0
        408979892          Purchase                                       N                          FX                  0
        408979893          Refinance - Cash Out                           Y                          FX                  0
        408979894          Refinance - Cash Out                           Y                          FX                  0
        408979896          Purchase                                       Y                          FX                  0
        408979898          Purchase                                       Y                          FX                  0
        408979899          Purchase                                       N                          FX                  0
        408979900          Purchase                                       Y                          FX                  0
        408979901          Refinance - Cash Out                           N                          FX                  0
        408979902          Refinance - Cash Out                           Y                          FX                  0
        408979904          Refinance - Cash Out                           Y                          FX                  0
        408979909          Purchase                                       N                          FX                  0
        408979910          Purchase                                       N                          FX                  0
        408979912          Refinance - Cash Out                           N                          FX                  0
        408979913          Refinance - Cash Out                           Y                          FX                  0
        408979915          Refinance - Cash Out                           Y                          FX                  0
        408979916          Purchase                                       N                          FX                  0
        408979919          Purchase                                       Y                          FX                  0
        408979920          Refinance - Cash Out                           Y                          FX                  0
        408979922          Purchase                                       N                          FX                  0
        408979924          Purchase                                       Y                          FX                  0
        408979928          Purchase                                       Y                          FX                  0
        408979931          Purchase                                       N                          FX                  0
        408979932          Purchase                                       Y                          FX                  0
        408979935          Purchase                                       Y                          FX                  0
        408979936          Purchase                                       N                          FX                  0
        408979939          Purchase                                       N                          FX                  0
        408979940          Purchase                                       N                          FX                  0
        408979943          Refinance - Cash Out                           N                          FX                  0
        408979945          Refinance - Cash Out                           Y                          FX                  0
        408979946          Purchase                                       N                          FX                  0
        408979947          Refinance - Cash Out                           Y                          FX                  0
        408979950          Purchase                                       N                          FX                  0
        408979951          Purchase                                       N                          FX                  0
        408979952          Purchase                                       N                          FX                  0
        408979953          Purchase                                       N                          FX                  0
        408979956          Purchase                                       N                          FX                  0
        408979959          Refinance - Cash Out                           Y                          FX                  0
        408979960          Purchase                                       Y                          FX                  0
        408979961          Purchase                                       N                          FX                  0
        408979963          Refinance - Cash Out                           N                          FX                  0
        408979967          Refinance - Cash Out                           N                          FX                  0
        408979968          Purchase                                       Y                          FX                  0
        408979969          Purchase                                       N                          FX                  0
        408979970          Refinance - Cash Out                           N                          FX                  0
        408979971          Purchase                                       Y                          FX                  0
        408979972          Purchase                                       Y                          FX                  0
        408979973          Refinance - Cash Out                           Y                          FX                  0
        408979974          Purchase                                       Y                          FX                  0
        408979975          Refinance - Cash Out                           N                          FX                  0
        408979976          Refinance - Cash Out                           Y                          FX                  0
        408979978          Purchase                                       N                          FX                  0
        408979979          Purchase                                       N                          FX                  0
        408979980          Purchase                                       N                          FX                  0
        408979982          Purchase                                       N                          FX                  0
        408979983          Refinance - Cash Out                           N                          FX                  0
        408979985          Purchase                                       Y                          FX                  0
        408979986          Purchase                                       N                          FX                  0
        408979988          Purchase                                       Y                          FX                  0
        408979989          Purchase                                       Y                          FX                  0
        408979991          Refinance - Cash Out                           N                          FX                  0
        408979992          Purchase                                       N                          FX                  0
        408979993          Purchase                                       Y                          FX                  0
        408979994          Purchase                                       Y                          FX                  0
        408979995          Refinance - Cash Out                           Y                          FX                  0
        408979997          Purchase                                       N                          FX                  0
        408979998          Purchase                                       N                          FX                  0
        408980000          Purchase                                       Y                          FX                  0
        408980002          Purchase                                       Y                          FX                  0
        408980003          Purchase                                       Y                          FX                  0
        408980004          Purchase                                       Y                          FX                  0
        408980006          Refinance - Cash Out                           Y                          FX                  0
        408980007          Refinance - Cash Out                           N                          FX                  0
        408980009          Refinance - Cash Out                           N                          FX                  0
        408980016          Refinance - Cash Out                           N                          FX                  0
        408980019          Purchase                                       Y                          FX                  0
        408980020          Refinance - Cash Out                           Y                          FX                  0
        408980022          Purchase                                       Y                          FX                  0
        408980023          Refinance - Cash Out                           N                          FX                  0
        408980024          Purchase                                       N                          FX                  0
        408980027          Purchase                                       Y                          FX                  0
        408980028          Refinance - Cash Out                           Y                          FX                  0
        408980029          Purchase                                       N                          FX                  0
        408980030          Purchase                                       Y                          FX                  0
        408980031          Purchase                                       N                          FX                  0
        408980032          Purchase                                       N                          FX                  0
        408980033          Refinance - Cash Out                           Y                          FX                  0
        408980034          Refinance - Cash Out                           Y                          FX                  0
        408980035          Purchase                                       N                          FX                  0
        408980036          Purchase                                       N                          FX                  0
        408980038          Purchase                                       N                          FX                  0
        408980040          Purchase                                       Y                          FX                  0
        408980043          Purchase                                       Y                          FX                  0
        408980045          Purchase                                       N                          FX                  0
        408980046          Purchase                                       Y                          FX                  0
        408980048          Purchase                                       N                          FX                  0
        408980051          Refinance - Cash Out                           Y                          FX                  0
        408980053          Purchase                                       N                          FX                  0
        408980054          Purchase                                       Y                          FX                  0
        408980055          Refinance - Cash Out                           N                          FX                  0
        408980056          Purchase                                       N                          FX                  0
        408980057          Purchase                                       Y                          FX                  0
        408980058          Purchase                                       N                          FX                  0
        408980060          Purchase                                       Y                          FX                  0
        408980061          Purchase                                       Y                          FX                  0
        408980062          Refinance - Cash Out                           Y                          FX                  0
        408980064          Purchase                                       Y                          FX                  0
        408980065          Purchase                                       N                          FX                  0
        408980066          Purchase                                       Y                          FX                  0
        408980067          Purchase                                       N                          FX                  0
        408980068          Purchase                                       Y                          FX                  0
        408980069          Refinance - Cash Out                           N                          FX                  0
        408980070          Refinance - Cash Out                           Y                          FX                  0
        408980071          Purchase                                       Y                          FX                  0
        408980072          Purchase                                       N                          FX                  0
        408980073          Purchase                                       Y                          FX                  0
        408980075          Purchase                                       N                          FX                  0
        408980076          Purchase                                       N                          FX                  0
        408980077          Purchase                                       N                          FX                  0
        408980079          Purchase                                       N                          FX                  0
        408980080          Purchase                                       Y                          FX                  0
        408980081          Purchase                                       N                          FX                  0
        408980082          Purchase                                       Y                          FX                  0
        408980083          Purchase                                       N                          FX                  0
        408980084          Refinance - Cash Out                           Y                          FX                  0
        408980085          Purchase                                       Y                          FX                  0
        408980087          Refinance - Cash Out                           Y                          FX                  0
        408980088          Refinance - Cash Out                           Y                          FX                  0
        408980089          Purchase                                       Y                          FX                  0
        408980090          Purchase                                       Y                          FX                  0
        408980092          Purchase                                       N                          FX                  0
        408980094          Purchase                                       Y                          FX                  0
        408980095          Refinance - Cash Out                           Y                          FX                  0
        408980096          Purchase                                       N                          FX                  0
        408980097          Purchase                                       N                          FX                  0
        408980098          Purchase                                       Y                          FX                  0
        408980102          Purchase                                       Y                          FX                  0
        408980106          Purchase                                       Y                          FX                  0
        408980107          Refinance - Cash Out                           Y                          FX                  0
        408980108          Purchase                                       Y                          FX                  0
        408980110          Purchase                                       N                          FX                  0
        408980111          Purchase                                       N                          FX                  0
        408980112          Refinance - Cash Out                           N                          FX                  0
        408980114          Purchase                                       Y                          FX                  0
        408980116          Purchase                                       Y                          FX                  0
        408980117          Refinance - Cash Out                           N                          FX                  0
        408980120          Purchase                                       Y                          FX                  0
        408980121          Purchase                                       N                          FX                  0
        408980122          Refinance - Cash Out                           N                          FX                  0
        408980123          Purchase                                       Y                          FX                  0
        408980124          Purchase                                       N                          FX                  0
        408980125          Refinance - Cash Out                           Y                          FX                  0
        408980128          Refinance - Cash Out                           N                          FX                  0
        408980130          Refinance - Cash Out                           Y                          FX                  0
        408980131          Purchase                                       Y                          FX                  0
        408980132          Purchase                                       N                          FX                  0
        408980135          Refinance - Cash Out                           Y                          FX                  0
        408980137          Purchase                                       N                          FX                  0
        408980139          Purchase                                       Y                          FX                  0
        408980140          Refinance - Cash Out                           Y                          FX                  0
        408980141          Purchase                                       N                          FX                  0
        408980143          Purchase                                       N                          FX                  0
        408980144          Refinance - Cash Out                           N                          FX                  0
        408980145          Purchase                                       Y                          FX                  0
        408980146          Purchase                                       N                          FX                  0
        408980147          Purchase                                       N                          FX                  0
        408980148          Purchase                                       Y                          FX                  0
        408980149          Purchase                                       Y                          FX                  0
        408980150          Purchase                                       Y                          FX                  0
        408980151          Refinance - Cash Out                           Y                          FX                  0
        408980152          Purchase                                       N                          FX                  0
        408980154          Refinance - Cash Out                           Y                          FX                  0
        408980156          Purchase                                       N                          FX                  0
        408980157          Purchase                                       N                          FX                  0
        408980160          Refinance - Cash Out                           N                          FX                  0
        408980163          Refinance - Cash Out                           Y                          FX                  0
        408980165          Purchase                                       N                          FX                  0
        408980166          Purchase                                       Y                          FX                  0
        408980167          Purchase                                       Y                          FX                  0
        408980168          Purchase                                       Y                          FX                  0
        408980169          Purchase                                       Y                          FX                  0
        408980170          Purchase                                       N                          FX                  0
        408980171          Refinance - Cash Out                           Y                          FX                  0
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        408980174          Purchase                                       N                          FX                  0
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        408980177          Refinance - Cash Out                           Y                          FX                  0
        408980180          Purchase                                       N                          FX                  0
        408980181          Refinance - Cash Out                           N                          FX                  0
        408980185          Purchase                                       Y                          FX                  0
        408980186          Purchase                                       Y                          FX                  0
        408980187          Purchase                                       N                          FX                  0
        408980188          Purchase                                       N                          FX                  0
        408980192          Purchase                                       Y                          FX                  0
        408980194          Purchase                                       Y                          FX                  0
        408980196          Refinance - Cash Out                           N                          FX                  0
        408980197          Purchase                                       N                          FX                  0
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        408980207          Purchase                                       N                          FX                  0
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        408980209          Refinance - Cash Out                           Y                          FX                  0
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        408980220          Purchase                                       N                          FX                  0
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        408980222          Purchase                                       Y                          FX                  0
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        409015912          Refinance - Cash Out                           N                          FX                  0
        409015913          Refinance - Cash Out                           Y                          FX                  0
        409015916          Refinance - Cash Out                           Y                          FX                  0
        409015917          Refinance - Cash Out                           N                          FX                  0
        409015919          Refinance - Cash Out                           Y                          FX                  0
        409015924          Refinance - Cash Out                           Y                          FX                  0
        409015925          Refinance - Cash Out                           N                          FX                  0
        409015926          Refinance - Cash Out                           N                          FX                  0
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        409015928          Refinance - Cash Out                           N                          FX                  0
        409015929          Refinance - Cash Out                           Y                          FX                  0
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        409030030          Refinance - Cash Out                           N                          FX                  0
        409030033          Refinance - Cash Out                           N                          FX                  0
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        409055782          Purchase                                       Y                          FX                  0
        409101756          Refinance - Rate/Term                          Y                          FX                  0
        409101757          Purchase                                       N                          FX                  0
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        409165871          Refinance - Rate/Term                          N                          FX                  0
        409165873          Refinance - Cash Out                           Y                          FX                  0
        409165879          Purchase                                       N                          FX                  0
        409165880          Refinance - Rate/Term                          N                          FX                  0
        409165882          Refinance - Cash Out                           Y                          FX                  0
        409165884          Refinance - Cash Out                           N                          FX                  0
        409165887          Purchase                                       N                          FX                  0
        409165889          Purchase                                       N                          FX                  0
        409165891          Purchase                                       N                          FX                  0
        409165892          Refinance - Rate/Term                          Y                          FX                  0
        409165893          Refinance - Cash Out                           N                          FX                  0
        409165895          Refinance - Cash Out                           N                          FX                  0
        409165897          Purchase                                       N                          FX                  0
        409165899          Purchase                                       N                          FX                  0
        409165900          Purchase                                       N                          FX                  0
        409165901          Refinance - Rate/Term                          N                          FX                  0
        409165902          Purchase                                       Y                          FX                  0
        409165904          Purchase                                       N                          FX                  0
        409165905          Refinance - Cash Out                           Y                          FX                  0
        409165907          Refinance - Rate/Term                          Y                          FX                  0
        409165908          Purchase                                       N                          FX                  0
        409165909          Purchase                                       N                          FX                  0
        409165910          Purchase                                       N                          FX                  0
        409165912          Purchase                                       N                          FX                  0
        409165913          Purchase                                       N                          FX                  0
        409165915          Purchase                                       Y                          FX                  0
        409165916          Purchase                                       N                          FX                  0
        409165917          Purchase                                       N                          FX                  0
        409165919          Purchase                                       Y                          FX                  0
        409165920          Purchase                                       Y                          FX                  0
        409165921          Refinance - Rate/Term                          Y                          FX                  0
        409165925          Refinance - Cash Out                           N                          FX                  0
        409165926          Purchase                                       N                          FX                  0
        409165927          Purchase                                       Y                          FX                  0
        409165929          Purchase                                       Y                          FX                  0
        409165930          Refinance - Cash Out                           N                          FX                  0
        409165931          Purchase                                       Y                          FX                  0
        409165932          Purchase                                       Y                          FX                  0
        409192787          Purchase                                       N                          FX                  0
        409217292          Purchase                                       Y                          FX                  0
        409217293          Purchase                                       N                          FX                  0
        409217295          Purchase                                       N                          FX                  0
        409217297          Refinance - Rate/Term                          N                          FX                  0
        409278089          Purchase                                       N                          FX                  0
        409278090          Purchase                                       N                          FX                  0
        409278091          Purchase                                       Y                          FX                  0
        409331016          Purchase                                       Y                          FX                  0
        409331017          Purchase                                       N                          FX                  0
        409331018          Purchase                                       Y                          FX                  0
        409331019          Refinance - Rate/Term                          N                          FX                  0
        409331020          Purchase                                       N                          FX                  0
        409331023          Refinance - Rate/Term                          N                          FX                  0
        409331026          Refinance - Rate/Term                          Y                          FX                  0
        409331028          Purchase                                       Y                          FX                  0
        409331029          Refinance - Cash Out                           N                          FX                  0
        409331032          Refinance - Cash Out                           N                          FX                  0
        409331033          Refinance - Rate/Term                          N                          FX                  0
        409331035          Purchase                                       N                          FX                  0
        409331038          Purchase                                       Y                          FX                  0
        409331039          Refinance - Cash Out                           N                          FX                  0
        409331041          Refinance - Cash Out                           N                          FX                  0
        409331043          Refinance - Cash Out                           Y                          FX                  0
        409331045          Refinance - Cash Out                           Y                          FX                  0
        409331049          Refinance - Cash Out                           Y                          FX                  0
        409331050          Purchase                                       Y                          FX                  0
        409331052          Refinance - Cash Out                           N                          FX                  0
        409331054          Purchase                                       N                          FX                  0
        409331056          Refinance - Rate/Term                          Y                          FX                  0
        409331057          Purchase                                       Y                          FX                  0
        409829658          Refinance - Cash Out                           N                          FX                  0
        409829691          Purchase                                       Y                          FX                  0
        409829708          Purchase                                       N                          FX                  0
        409829721          Purchase                                       N                          FX                  0
        409829734          Purchase                                       N                          FX                  0
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        409829814          Purchase                                       N                          FX                  0
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        409829823          Refinance - Cash Out                           N                          FX                  0
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        409829849          Purchase                                       N                          FX                  0
        409829851          Refinance - Cash Out                           N                          FX                  0
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        409829867          Purchase                                       Y                          FX                  0
        409829870          Purchase                                       Y                          FX                  0
        409829881          Purchase                                       N                          FX                  0
        409829886          Purchase                                       N                          FX                  0
        409829890          Purchase                                       N                          FX                  0
        409829898          Refinance - Rate/Term                          N                          FX                  0
        409829902          Purchase                                       Y                          FX                  0
        409829912          Refinance - Cash Out                           Y                          FX                  0
        409829913          Refinance - Cash Out                           N                          FX                  0
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        409829920          Refinance - Cash Out                           N                          FX                  0
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        409829926          Purchase                                       N                          FX                  0
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        409829995          Refinance - Cash Out                           N                          FX                  0
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        409830005          Purchase                                       Y                          FX                  0
        409830025          Purchase                                       N                          FX                  0
        409830038          Purchase                                       N                          FX                  0
        409830046          Refinance - Cash Out                           N                          FX                  0
        409830067          Purchase                                       Y                          FX                  0
        409830079          Purchase                                       N                          FX                  0
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        409830098          Purchase                                       Y                          FX                  0
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        409830105          Purchase                                       N                          FX                  0
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        500858627          Refinance - Rate/Term                          N                          FX                  0
        500858628          Refinance - Cash Out                           N                          FX                  0
        500858629          Purchase                                       N                          FX                  0
        500858630          Purchase                                       N                          FX                  0
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        500858633          Purchase                                       N                          FX                  0
        500858637          Purchase                                       N                          FX                  0
        500858638          Refinance - Rate/Term                          N                          FX                  0
        500858639          Purchase                                       Y                          FX                  0
        500858640          Purchase                                       N                          FX                  0
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        500858652          Purchase                                       N                          FX                  0
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        700351638          Purchase                                       N                          FX                  0
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        700362395          Refinance - Cash Out                           N                          FX                  0
        700364671          Purchase                                       N                          FX                  0
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        700365923          Purchase                                       Y                          FX                  0
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        700370526          Refinance - Cash Out                           N                          FX                  0
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        700371317          Purchase                                       N                          FX                  0
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        700374827          Refinance - Cash Out                           N                          FX                  0
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        700376684          Purchase                                       N                          FX                  0
        700376954          Refinance - Cash Out                           N                          FX                  0
        700377268          Refinance - Cash Out                           N                          FX                  0
        700377523          Refinance - Cash Out                           N                          FX                  0
        700377544          Purchase                                       N                          FX                  0
        700378087          Purchase                                       N                          FX                  0
        700378316          Purchase                                       N                          FX                  0
        700378485          Refinance - Cash Out                           N                          FX                  0
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        700379190          Purchase                                       N                          FX                  0
        700379390          Purchase                                       N                          FX                  0
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        700379687          Refinance - Cash Out                           N                          FX                  0
        700379796          Purchase                                       Y                          FX                  0
        700379946          Purchase                                       N                          FX                  0
        700380223          Purchase                                       N                          FX                  0
        700380602          Purchase                                       Y                          FX                  0
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        700381522          Refinance - Cash Out                           Y                          FX                  0
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        700382200          Purchase                                       N                          FX                  0
        700382404          Purchase                                       N                          FX                  0
        700382576          Purchase                                       N                          FX                  0
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        700382765          Refinance - Cash Out                           N                          FX                  0
        700383200          Refinance - Cash Out                           N                          FX                  0
        700383211          Refinance - Cash Out                           N                          FX                  0
        700383472          Purchase                                       N                          FX                  0
        700383489          Purchase                                       N                          FX                  0
        700383502          Purchase                                       N                          FX                  0
        700383893          Purchase                                       N                          FX                  0
        700383977          Purchase                                       N                          FX                  0
        700384101          Refinance - Cash Out                           N                          FX                  0
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        700384750          Purchase                                       N                          FX                  0
        700384803          Purchase                                       N                          FX                  0
        700384836          Purchase                                       N                          FX                  0
        700385273          Refinance - Cash Out                           Y                          FX                  0
        700385390          Purchase                                       N                          FX                  0
        700385455          Purchase                                       N                          FX                  0
        700385462          Purchase                                       N                          FX                  0
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        700385741          Refinance - Cash Out                           N                          FX                  0
        700385929          Refinance - Cash Out                           Y                          FX                  0
        700385934          Purchase                                       N                          FX                  0
        700385937          Purchase                                       N                          FX                  0
        700386120          Refinance - Cash Out                           N                          FX                  0
        700386175          Refinance - Rate/Term                          N                          FX                  0
        700386350          Purchase                                       N                          FX                  0
        700386363          Refinance - Rate/Term                          Y                          FX                  0
        700386471          Purchase                                       N                          FX                  0
        700386564          Refinance - Cash Out                           N                          FX                  0
        700386731          Refinance - Rate/Term                          Y                          FX                  0
        700386741          Purchase                                       Y                          FX                  0
        700386871          Purchase                                       N                          FX                  0
        700386887          Purchase                                       N                          FX                  0
        700387012          Purchase                                       N                          FX                  0
        700387029          Purchase                                       N                          FX                  0
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        700387288          Refinance - Cash Out                           N                          FX                  0
        700387384          Purchase                                       N                          FX                  0
        700387385          Purchase                                       N                          FX                  0
        700387621          Refinance - Cash Out                           N                          FX                  0
        700387639          Purchase                                       N                          FX                  0
        700387662          Purchase                                       N                          FX                  0
        700387754          Purchase                                       N                          FX                  0
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        700388007          Refinance - Cash Out                           N                          FX                  0
        700388060          Refinance - Cash Out                           N                          FX                  0
        700388083          Purchase                                       N                          FX                  0
        700388207          Refinance - Cash Out                           N                          FX                  0
        700388371          Refinance - Cash Out                           N                          FX                  0
        700388388          Refinance - Cash Out                           Y                          FX                  0
        700388490          Purchase                                       N                          FX                  0
        700388694          Refinance - Cash Out                           N                          FX                  0
        700388696          Purchase                                       N                          FX                  0
        700388801          Purchase                                       N                          FX                  0
        700388867          Refinance - Cash Out                           N                          FX                  0
        700388965          Purchase                                       N                          FX                  0
        700389006          Refinance - Cash Out                           N                          FX                  0
        700389039          Refinance - Cash Out                           N                          FX                  0
        700389042          Refinance - Rate/Term                          N                          FX                  0
        700389137          Refinance - Cash Out                           N                          FX                  0
        700389290          Refinance - Cash Out                           N                          FX                  0
        700389316          Purchase                                       N                          FX                  0
        700389320          Purchase                                       N                          FX                  0
        700389346          Purchase                                       N                          FX                  0
        700389682          Purchase                                       N                          FX                  0
        700389834          Purchase                                       N                          FX                  0
        700389876          Purchase                                       N                          FX                  0
        700389959          Refinance - Cash Out                           N                          FX                  0
        700389983          Refinance - Cash Out                           N                          FX                  0
        700390000          Purchase                                       N                          FX                  0
        700390030          Purchase                                       N                          FX                  0
        700390087          Purchase                                       N                          FX                  0
        700390101          Refinance - Cash Out                           N                          FX                  0
        700390194          Purchase                                       N                          FX                  0
        700390288          Purchase                                       N                          FX                  0
        700390464          Refinance - Cash Out                           N                          FX                  0
        700390508          Purchase                                       N                          FX                  0
        700390512          Purchase                                       N                          FX                  0
        700390629          Refinance - Cash Out                           N                          FX                  0
        700390677          Purchase                                       N                          FX                  0
        700390728          Refinance - Cash Out                           N                          FX                  0
        700391171          Purchase                                       N                          FX                  0
        700391266          Purchase                                       N                          FX                  0
        700391295          Refinance - Cash Out                           N                          FX                  0
        700391346          Purchase                                       N                          FX                  0
        700391406          Refinance - Cash Out                           N                          FX                  0
        700391433          Purchase                                       N                          FX                  0
        700391435          Purchase                                       N                          FX                  0
        700391512          Purchase                                       N                          FX                  0
        700391523          Purchase                                       N                          FX                  0
        700391602          Purchase                                       N                          FX                  0
        700391617          Purchase                                       N                          FX                  0
        700391754          Refinance - Rate/Term                          N                          FX                  0
        700391960          Purchase                                       N                          FX                  0
        700392015          Purchase                                       N                          FX                  0
        700392076          Purchase                                       N                          FX                  0
        700392136          Refinance - Cash Out                           Y                          FX                  0
        700392165          Purchase                                       Y                          FX                  0
        700392174          Refinance - Cash Out                           N                          FX                  0
        700392381          Purchase                                       N                          FX                  0
        700392592          Refinance - Cash Out                           N                          FX                  0
        700392629          Purchase                                       N                          FX                  0
        700392640          Refinance - Cash Out                           N                          FX                  0
        700392716          Purchase                                       Y                          FX                  0
        700392732          Refinance - Cash Out                           Y                          FX                  0
        700392745          Purchase                                       N                          FX                  0
        700392777          Purchase                                       Y                          FX                  0
        700392890          Purchase                                       N                          FX                  0
        700392919          Purchase                                       Y                          FX                  0
        700392990          Purchase                                       Y                          FX                  0
        700393016          Refinance - Cash Out                           N                          FX                  0
        700393088          Purchase                                       N                          FX                  0
        700393107          Purchase                                       N                          FX                  0
        700393146          Refinance - Cash Out                           N                          FX                  0
        700393172          Purchase                                       N                          FX                  0
        700393298          Purchase                                       N                          FX                  0
        700393313          Purchase                                       N                          FX                  0
        700393339          Purchase                                       N                          FX                  0
        700393384          Purchase                                       N                          FX                  0
        700393529          Purchase                                       N                          FX                  0
        700393564          Purchase                                       N                          FX                  0
        700393626          Purchase                                       N                          FX                  0
        700393724          Refinance - Cash Out                           N                          FX                  0
        700394137          Refinance - Cash Out                           N                          FX                  0
        700394217          Refinance - Cash Out                           N                          FX                  0
        700394222          Purchase                                       N                          FX                  0
        700394407          Refinance - Cash Out                           N                          FX                  0
        700394516          Refinance - Cash Out                           Y                          FX                  0
        700394521          Refinance - Cash Out                           N                          FX                  0
        700394545          Purchase                                       N                          FX                  0
        700394565          Purchase                                       N                          FX                  0
        700394628          Purchase                                       N                          FX                  0
        700394710          Purchase                                       N                          FX                  0
        700394738          Refinance - Cash Out                           Y                          FX                  0
        700394919          Refinance - Rate/Term                          N                          FX                  0
        700395093          Refinance - Cash Out                           N                          FX                  0
        700395180          Purchase                                       N                          FX                  0
        700395245          Purchase                                       N                          FX                  0
        700395421          Refinance - Rate/Term                          N                          FX                  0
        700395494          Purchase                                       N                          FX                  0
        700395526          Refinance - Rate/Term                          Y                          FX                  0
        700395533          Refinance - Rate/Term                          N                          FX                  0
        700395746          Refinance - Cash Out                           N                          FX                  0
        700395763          Purchase                                       Y                          FX                  0
        700395780          Purchase                                       N                          FX                  0
        700395811          Purchase                                       N                          FX                  0
        700395867          Refinance - Cash Out                           Y                          FX                  0
        700395958          Refinance - Cash Out                           N                          FX                  0
        700395984          Purchase                                       N                          FX                  0
        700396064          Purchase                                       N                          FX                  0
        700396082          Refinance - Cash Out                           N                          FX                  0
        700396131          Purchase                                       N                          FX                  0
        700396142          Purchase                                       N                          FX                  0
        700396169          Refinance - Cash Out                           N                          FX                  0
        700396189          Refinance - Cash Out                           N                          FX                  0
        700396208          Purchase                                       N                          FX                  0
        700396270          Purchase                                       N                          FX                  0
        700396303          Purchase                                       N                          FX                  0
        700396441          Purchase                                       N                          FX                  0
        700396750          Refinance - Cash Out                           N                          FX                  0
        700396756          Purchase                                       N                          FX                  0
        700396767          Purchase                                       N                          FX                  0
        700396906          Purchase                                       N                          FX                  0
        700397067          Purchase                                       N                          FX                  0
        700397097          Purchase                                       Y                          FX                  0
        700397285          Purchase                                       N                          FX                  0
        700397360          Purchase                                       N                          FX                  0
        700397428          Purchase                                       Y                          FX                  0
        700397485          Purchase                                       N                          FX                  0
        700397566          Purchase                                       N                          FX                  0
        700397670          Purchase                                       N                          FX                  0
        700397701          Refinance - Cash Out                           N                          FX                  0
        700397745          Purchase                                       N                          FX                  0
        700398256          Purchase                                       Y                          FX                  0
        700398652          Purchase                                       N                          FX                  0
        700398789          Refinance - Cash Out                           N                          FX                  0
        700398846          Purchase                                       N                          FX                  0
        700399043          Purchase                                       Y                          FX                  0
        700399165          Refinance - Cash Out                           N                          FX                  0
        700399256          Purchase                                       N                          FX                  0
        700399306          Refinance - Cash Out                           N                          FX                  0
        700399379          Purchase                                       N                          FX                  0
        700399555          Purchase                                       N                          FX                  0
        700399650          Purchase                                       N                          FX                  0
        700399678          Refinance - Cash Out                           Y                          FX                  0
        700399777          Purchase                                       N                          FX                  0
        700399863          Purchase                                       N                          FX                  0
        700399899          Purchase                                       N                          FX                  0
        700399982          Purchase                                       N                          FX                  0
        700400425          Refinance - Rate/Term                          N                          FX                  0
        700400556          Refinance - Cash Out                           Y                          FX                  0
        700400873          Purchase                                       N                          FX                  0
        700400901          Refinance - Cash Out                           N                          FX                  0
        700400965          Purchase                                       Y                          FX                  0
        700401089          Purchase                                       N                          FX                  0
        700401200          Purchase                                       N                          FX                  0
        700401222          Refinance - Cash Out                           N                          FX                  0
        700401302          Purchase                                       N                          FX                  0
        700401422          Purchase                                       N                          FX                  0
        700401446          Refinance - Cash Out                           N                          FX                  0
        700401455          Refinance - Cash Out                           N                          FX                  0
        700401592          Purchase                                       N                          FX                  0
        700401600          Purchase                                       N                          FX                  0
        700401782          Purchase                                       N                          FX                  0
        700401849          Purchase                                       Y                          FX                  0
        700401853          Purchase                                       N                          FX                  0
        700401874          Purchase                                       N                          FX                  0
        700401920          Purchase                                       N                          FX                  0
        700401957          Purchase                                       N                          FX                  0
        700401961          Purchase                                       N                          FX                  0
        700402182          Refinance - Cash Out                           N                          FX                  0
        700402265          Refinance - Rate/Term                          N                          FX                  0
        700402409          Purchase                                       N                          FX                  0
        700402444          Refinance - Cash Out                           N                          FX                  0
        700402483          Purchase                                       N                          FX                  0
        700402529          Purchase                                       N                          FX                  0
        700402686          Purchase                                       N                          FX                  0
        700402712          Purchase                                       Y                          FX                  0
        700402779          Refinance - Rate/Term                          N                          FX                  0
        700402786          Purchase                                       N                          FX                  0
        700402991          Refinance - Cash Out                           Y                          FX                  0
        700403083          Purchase                                       Y                          FX                  0
        700403136          Purchase                                       N                          FX                  0
        700403174          Purchase                                       N                          FX                  0
        700403175          Purchase                                       N                          FX                  0
        700403225          Refinance - Cash Out                           N                          FX                  0
        700403227          Refinance - Rate/Term                          N                          FX                  0
        700403354          Purchase                                       N                          FX                  0
        700403413          Purchase                                       Y                          FX                  0
        700403488          Purchase                                       N                          FX                  0
        700403558          Refinance - Cash Out                           N                          FX                  0
        700403568          Refinance - Cash Out                           Y                          FX                  0
        700403587          Refinance - Cash Out                           N                          FX                  0
        700403721          Purchase                                       N                          FX                  0
        700403752          Purchase                                       N                          FX                  0
        700403806          Purchase                                       N                          FX                  0
        700403815          Refinance - Rate/Term                          N                          FX                  0
        700403831          Purchase                                       N                          FX                  0
        700403876          Refinance - Cash Out                           N                          FX                  0
        700404027          Purchase                                       N                          FX                  0
        700404102          Refinance - Rate/Term                          Y                          FX                  0
        700404318          Purchase                                       N                          FX                  0
        700404352          Purchase                                       N                          FX                  0
        700404607          Refinance - Rate/Term                          N                          FX                  0
        700404641          Refinance - Cash Out                           N                          FX                  0
        700404756          Refinance - Cash Out                           N                          FX                  0
        700404807          Purchase                                       N                          FX                  0
        700404867          Purchase                                       N                          FX                  0
        700404897          Purchase                                       N                          FX                  0
        700404907          Refinance - Cash Out                           Y                          FX                  0
        700405023          Purchase                                       N                          FX                  0
        700405033          Purchase                                       Y                          FX                  0
        700405038          Purchase                                       N                          FX                  0
        700405065          Refinance - Cash Out                           N                          FX                  0
        700405085          Purchase                                       N                          FX                  0
        700405104          Purchase                                       N                          FX                  0
        700405122          Refinance - Rate/Term                          N                          FX                  0
        700405247          Refinance - Cash Out                           N                          FX                  0
        700405293          Refinance - Rate/Term                          N                          FX                  0
        700405347          Purchase                                       N                          FX                  0
        700405348          Purchase                                       N                          FX                  0
        700405360          Refinance - Cash Out                           N                          FX                  0
        700405379          Purchase                                       N                          FX                  0
        700405383          Purchase                                       Y                          FX                  0
        700405493          Refinance - Cash Out                           N                          FX                  0
        700405514          Refinance - Cash Out                           N                          FX                  0
        700405760          Purchase                                       N                          FX                  0
        700405829          Purchase                                       N                          FX                  0
        700405894          Refinance - Cash Out                           N                          FX                  0
        700405947          Purchase                                       N                          FX                  0
        700406019          Refinance - Cash Out                           N                          FX                  0
        700406117          Purchase                                       N                          FX                  0
        700406203          Purchase                                       N                          FX                  0
        700406246          Purchase                                       Y                          FX                  0
        700406248          Purchase                                       N                          FX                  0
        700406296          Purchase                                       Y                          FX                  0
        700406348          Purchase                                       N                          FX                  0
        700406445          Refinance - Cash Out                           N                          FX                  0
        700406490          Purchase                                       N                          FX                  0
        700406504          Purchase                                       Y                          FX                  0
        700406525          Purchase                                       N                          FX                  0
        700406543          Purchase                                       N                          FX                  0
        700406624          Purchase                                       N                          FX                  0
        700406727          Purchase                                       N                          FX                  0
        700406828          Purchase                                       N                          FX                  0
        700406856          Purchase                                       N                          FX                  0
        700407046          Purchase                                       N                          FX                  0
        700407232          Refinance - Cash Out                           N                          FX                  0
        700407380          Purchase                                       N                          FX                  0
        700407416          Purchase                                       N                          FX                  0
        700407453          Refinance - Rate/Term                          Y                          FX                  0
        700407664          Refinance - Cash Out                           N                          FX                  0
        700407679          Purchase                                       N                          FX                  0
        700407943          Purchase                                       N                          FX                  0
        700408006          Purchase                                       N                          FX                  0
        700408016          Purchase                                       N                          FX                  0
        700408050          Refinance - Rate/Term                          N                          FX                  0
        700408177          Refinance - Cash Out                           N                          FX                  0
        700408189          Purchase                                       Y                          FX                  0
        700408211          Refinance - Cash Out                           N                          FX                  0
        700408269          Purchase                                       Y                          FX                  0
        700408287          Purchase                                       N                          FX                  0
        700408399          Purchase                                       N                          FX                  0
        700408415          Purchase                                       N                          FX                  0
        700408473          Refinance - Cash Out                           N                          FX                  0
        700408509          Refinance - Cash Out                           N                          FX                  0
        700408606          Purchase                                       N                          FX                  0
        700408620          Refinance - Cash Out                           N                          FX                  0
        700408643          Purchase                                       N                          FX                  0
        700408722          Refinance - Rate/Term                          N                          FX                  0
        700408735          Purchase                                       N                          FX                  0
        700408826          Purchase                                       N                          FX                  0
        700408876          Purchase                                       N                          FX                  0
        700408926          Purchase                                       N                          FX                  0
        700408960          Purchase                                       N                          FX                  0
        700409139          Purchase                                       N                          FX                  0
        700409161          Purchase                                       N                          FX                  0
        700409179          Purchase                                       N                          FX                  0
        700409187          Purchase                                       N                          FX                  0
        700409219          Purchase                                       N                          FX                  0
        700409223          Purchase                                       N                          FX                  0
        700409375          Purchase                                       N                          FX                  0
        700409392          Purchase                                       N                          FX                  0
        700409412          Purchase                                       N                          FX                  0
        700409492          Purchase                                       N                          FX                  0
        700409532          Refinance - Cash Out                           N                          FX                  0
        700409555          Purchase                                       N                          FX                  0
        700409607          Purchase                                       N                          FX                  0
        700409694          Refinance - Cash Out                           N                          FX                  0
        700409761          Purchase                                       N                          FX                  0
        700409870          Refinance - Rate/Term                          N                          FX                  0
        700409878          Purchase                                       N                          FX                  0
        700410021          Purchase                                       N                          FX                  0
        700410056          Purchase                                       N                          FX                  0
        700410059          Refinance - Cash Out                           Y                          FX                  0
        700410139          Purchase                                       N                          FX                  0
        700410298          Purchase                                       N                          FX                  0
        700410321          Purchase                                       N                          FX                  0
        700410366          Purchase                                       N                          FX                  0
        700410436          Purchase                                       Y                          FX                  0
        700410446          Purchase                                       N                          FX                  0
        700410472          Purchase                                       Y                          FX                  0
        700410481          Purchase                                       N                          FX                  0
        700410485          Purchase                                       N                          FX                  0
        700410519          Refinance - Cash Out                           N                          FX                  0
        700410578          Purchase                                       N                          FX                  0
        700410661          Refinance - Cash Out                           N                          FX                  0
        700410668          Purchase                                       N                          FX                  0
        700410698          Purchase                                       Y                          FX                  0
        700410723          Purchase                                       N                          FX                  0
        700410773          Purchase                                       Y                          FX                  0
        700410860          Purchase                                       Y                          FX                  0
        700410867          Purchase                                       Y                          FX                  0
        700411014          Purchase                                       Y                          FX                  0
        700411409          Purchase                                       N                          FX                  0
        700411422          Purchase                                       N                          FX                  0
        700411435          Purchase                                       N                          FX                  0
        700411536          Purchase                                       N                          FX                  0
        700411689          Refinance - Cash Out                           N                          FX                  0
        700411727          Purchase                                       N                          FX                  0
        700411796          Refinance - Cash Out                           N                          FX                  0
        700411801          Purchase                                       N                          FX                  0
        700411809          Purchase                                       N                          FX                  0
        700411841          Purchase                                       N                          FX                  0
        700411994          Purchase                                       N                          FX                  0
        700412059          Purchase                                       N                          FX                  0
        700412125          Purchase                                       N                          FX                  0
        700412206          Purchase                                       N                          FX                  0
        700412272          Refinance - Cash Out                           N                          FX                  0
        700412276          Refinance - Cash Out                           N                          FX                  0
        700412296          Purchase                                       N                          FX                  0
        700412367          Purchase                                       N                          FX                  0
        700412391          Purchase                                       Y                          FX                  0
        700412404          Refinance - Cash Out                           N                          FX                  0
        700412426          Purchase                                       N                          FX                  0
        700412431          Purchase                                       N                          FX                  0
        700412438          Purchase                                       N                          FX                  0
        700412549          Purchase                                       N                          FX                  0
        700412600          Purchase                                       N                          FX                  0
        700412653          Purchase                                       N                          FX                  0
        700412689          Purchase                                       N                          FX                  0
        700412870          Refinance - Cash Out                           N                          FX                  0
        700412891          Refinance - Cash Out                           N                          FX                  0
        700412922          Purchase                                       N                          FX                  0
        700413052          Purchase                                       N                          FX                  0
        700413073          Purchase                                       Y                          FX                  0
        700413150          Purchase                                       N                          FX                  0
        700413156          Purchase                                       N                          FX                  0
        700413174          Purchase                                       N                          FX                  0
        700413271          Purchase                                       Y                          FX                  0
        700413395          Refinance - Cash Out                           N                          FX                  0
        700413400          Purchase                                       N                          FX                  0
        700413467          Purchase                                       N                          FX                  0
        700413518          Refinance - Cash Out                           N                          FX                  0
        700413568          Purchase                                       N                          FX                  0
        700413590          Purchase                                       N                          FX                  0
        700413595          Refinance - Rate/Term                          Y                          FX                  0
        700413662          Purchase                                       N                          FX                  0
        700413707          Refinance - Rate/Term                          N                          FX                  0
        700413708          Purchase                                       N                          FX                  0
        700413727          Purchase                                       N                          FX                  0
        700413793          Refinance - Cash Out                           N                          FX                  0
        700413833          Purchase                                       Y                          FX                  0
        700413880          Purchase                                       N                          FX                  0
        700413927          Purchase                                       Y                          FX                  0
        700414021          Purchase                                       N                          FX                  0
        700414064          Purchase                                       Y                          FX                  0
        700414172          Refinance - Rate/Term                          N                          FX                  0
        700414448          Purchase                                       Y                          FX                  0
        700414468          Purchase                                       N                          FX                  0
        700414569          Refinance - Cash Out                           N                          FX                  0
        700414608          Purchase                                       N                          FX                  0
        700414621          Refinance - Cash Out                           N                          FX                  0
        700414631          Purchase                                       Y                          FX                  0
        700414654          Purchase                                       N                          FX                  0
        700414741          Purchase                                       N                          FX                  0
        700414753          Purchase                                       N                          FX                  0
        700414824          Purchase                                       N                          FX                  0
        700414858          Purchase                                       N                          FX                  0
        700414901          Purchase                                       N                          FX                  0
        700414909          Purchase                                       N                          FX                  0
        700414910          Refinance - Cash Out                           N                          FX                  0
        700414929          Purchase                                       N                          FX                  0
        700414972          Purchase                                       N                          FX                  0
        700415102          Refinance - Cash Out                           N                          FX                  0
        700415162          Refinance - Cash Out                           Y                          FX                  0
        700415348          Refinance - Cash Out                           N                          FX                  0
        700415353          Purchase                                       N                          FX                  0
        700415419          Purchase                                       N                          FX                  0
        700415434          Refinance - Cash Out                           N                          FX                  0
        700415456          Purchase                                       N                          FX                  0
        700415469          Purchase                                       N                          FX                  0
        700415495          Purchase                                       N                          FX                  0
        700415559          Refinance - Cash Out                           N                          FX                  0
        700415602          Purchase                                       N                          FX                  0
        700415631          Purchase                                       Y                          FX                  0
        700415632          Purchase                                       N                          FX                  0
        700415725          Purchase                                       N                          FX                  0
        700415726          Purchase                                       N                          FX                  0
        700415728          Purchase                                       N                          FX                  0
        700415758          Refinance - Cash Out                           N                          FX                  0
        700415782          Purchase                                       N                          FX                  0
        700415874          Purchase                                       N                          FX                  0
        700415935          Purchase                                       N                          FX                  0
        700416023          Refinance - Cash Out                           Y                          FX                  0
        700416036          Purchase                                       N                          FX                  0
        700416047          Purchase                                       Y                          FX                  0
        700416115          Purchase                                       N                          FX                  0
        700416191          Refinance - Cash Out                           Y                          FX                  0
        700416201          Purchase                                       N                          FX                  0
        700416273          Refinance - Cash Out                           N                          FX                  0
        700416310          Refinance - Cash Out                           N                          FX                  0
        700416323          Purchase                                       N                          FX                  0
        700416339          Purchase                                       N                          FX                  0
        700416368          Purchase                                       N                          FX                  0
        700416475          Purchase                                       N                          FX                  0
        700416527          Refinance - Rate/Term                          N                          FX                  0
        700416536          Purchase                                       N                          FX                  0
        700416541          Purchase                                       N                          FX                  0
        700416552          Purchase                                       N                          FX                  0
        700416609          Purchase                                       N                          FX                  0
        700416711          Purchase                                       Y                          FX                  0
        700416756          Purchase                                       N                          FX                  0
        700416797          Purchase                                       N                          FX                  0
        700416875          Purchase                                       N                          FX                  0
        700416925          Purchase                                       N                          FX                  0
        700417084          Purchase                                       N                          FX                  0
        700417090          Purchase                                       Y                          FX                  0
        700417118          Purchase                                       N                          FX                  0
        700417153          Purchase                                       N                          FX                  0
        700417260          Refinance - Cash Out                           N                          FX                  0
        700417343          Purchase                                       N                          FX                  0
        700417435          Purchase                                       N                          FX                  0
        700417463          Purchase                                       N                          FX                  0
        700417511          Purchase                                       N                          FX                  0
        700417515          Refinance - Rate/Term                          N                          FX                  0
        700417521          Refinance - Cash Out                           N                          FX                  0
        700417537          Refinance - Cash Out                           N                          FX                  0
        700417542          Purchase                                       N                          FX                  0
        700417548          Purchase                                       N                          FX                  0
        700417555          Refinance - Cash Out                           N                          FX                  0
        700417613          Purchase                                       N                          FX                  0
        700417683          Refinance - Cash Out                           N                          FX                  0
        700417701          Purchase                                       Y                          FX                  0
        700417712          Purchase                                       N                          FX                  0
        700417737          Purchase                                       N                          FX                  0
        700417759          Refinance - Cash Out                           N                          FX                  0
        700417793          Refinance - Cash Out                           N                          FX                  0
        700417842          Purchase                                       N                          FX                  0
        700417854          Purchase                                       N                          FX                  0
        700417863          Purchase                                       N                          FX                  0
        700417870          Refinance - Cash Out                           N                          FX                  0
        700417951          Purchase                                       N                          FX                  0
        700417960          Purchase                                       N                          FX                  0
        700417961          Refinance - Cash Out                           Y                          FX                  0
        700418028          Purchase                                       N                          FX                  0
        700418223          Purchase                                       N                          FX                  0
        700418277          Purchase                                       N                          FX                  0
        700418280          Refinance - Cash Out                           N                          FX                  0
        700418286          Purchase                                       N                          FX                  0
        700418369          Refinance - Cash Out                           N                          FX                  0
        700418381          Refinance - Cash Out                           N                          FX                  0
        700418467          Refinance - Cash Out                           N                          FX                  0
        700418711          Refinance - Cash Out                           Y                          FX                  0
        700418772          Purchase                                       N                          FX                  0
        700418773          Refinance - Cash Out                           N                          FX                  0
        700418959          Purchase                                       N                          FX                  0
        700419067          Purchase                                       N                          FX                  0
        700419177          Purchase                                       N                          FX                  0
        700419240          Purchase                                       N                          FX                  0
        700419290          Purchase                                       N                          FX                  0
        700419308          Purchase                                       N                          FX                  0
        700419320          Purchase                                       N                          FX                  0
        700419368          Purchase                                       N                          FX                  0
        700419390          Refinance - Cash Out                           N                          FX                  0
        700419406          Refinance - Rate/Term                          N                          FX                  0
        700419449          Purchase                                       N                          FX                  0
        700419459          Purchase                                       N                          FX                  0
        700419549          Purchase                                       N                          FX                  0
        700419607          Purchase                                       N                          FX                  0
        700419650          Purchase                                       N                          FX                  0
        700419706          Purchase                                       N                          FX                  0
        700419881          Purchase                                       N                          FX                  0
        700419956          Purchase                                       N                          FX                  0
        700419969          Purchase                                       N                          FX                  0
        700420001          Refinance - Rate/Term                          N                          FX                  0
        700420048          Refinance - Cash Out                           N                          FX                  0
        700420193          Purchase                                       N                          FX                  0
        700420431          Purchase                                       N                          FX                  0
        700420508          Purchase                                       Y                          FX                  0
        700420536          Purchase                                       N                          FX                  0
        700420763          Refinance - Cash Out                           N                          FX                  0
        700420811          Purchase                                       N                          FX                  0
        700420889          Purchase                                       Y                          FX                  0
        700420901          Purchase                                       N                          FX                  0
        700420984          Purchase                                       N                          FX                  0
        700420998          Purchase                                       N                          FX                  0
        700421051          Purchase                                       Y                          FX                  0
        700421218          Purchase                                       N                          FX                  0
        700421243          Purchase                                       N                          FX                  0
        700421296          Purchase                                       N                          FX                  0
        700421343          Purchase                                       N                          FX                  0
        700421365          Purchase                                       N                          FX                  0
        700421394          Refinance - Cash Out                           Y                          FX                  0
        700421428          Refinance - Cash Out                           N                          FX                  0
        700421429          Purchase                                       N                          FX                  0
        700421670          Purchase                                       N                          FX                  0
        700421786          Purchase                                       N                          FX                  0
        700421831          Refinance - Cash Out                           Y                          FX                  0
        700421898          Purchase                                       N                          FX                  0
        700421961          Refinance - Cash Out                           N                          FX                  0
        700422011          Purchase                                       N                          FX                  0
        700422119          Refinance - Cash Out                           N                          FX                  0
        700422143          Purchase                                       N                          FX                  0
        700422200          Refinance - Cash Out                           N                          FX                  0
        700422221          Purchase                                       N                          FX                  0
        700422224          Purchase                                       N                          FX                  0
        700422227          Purchase                                       Y                          FX                  0
        700422284          Refinance - Cash Out                           Y                          FX                  0
        700422294          Purchase                                       N                          FX                  0
        700422394          Refinance - Cash Out                           N                          FX                  0
        700422503          Purchase                                       N                          FX                  0
        700422664          Purchase                                       Y                          FX                  0
        700422673          Purchase                                       N                          FX                  0
        700422693          Purchase                                       N                          FX                  0
        700422694          Refinance - Cash Out                           N                          FX                  0
        700422714          Purchase                                       N                          FX                  0
        700422718          Refinance - Rate/Term                          Y                          FX                  0
        700423148          Purchase                                       N                          FX                  0
        700423215          Purchase                                       N                          FX                  0
        700423252          Purchase                                       N                          FX                  0
        700423345          Refinance - Cash Out                           N                          FX                  0
        700423416          Purchase                                       N                          FX                  0
        700423420          Purchase                                       N                          FX                  0
        700423445          Purchase                                       N                          FX                  0
        700423513          Refinance - Rate/Term                          N                          FX                  0
        700423536          Purchase                                       N                          FX                  0
        700423549          Purchase                                       N                          FX                  0
        700423740          Purchase                                       N                          FX                  0
        700423758          Purchase                                       N                          FX                  0
        700423836          Purchase                                       Y                          FX                  0
        700423995          Purchase                                       N                          FX                  0
        700424008          Purchase                                       N                          FX                  0
        700424042          Purchase                                       Y                          FX                  0
        700424044          Refinance - Cash Out                           N                          FX                  0
        700424165          Refinance - Rate/Term                          N                          FX                  0
        700424174          Purchase                                       Y                          FX                  0
        700424199          Refinance - Cash Out                           Y                          FX                  0
        700424204          Purchase                                       N                          FX                  0
        700424217          Purchase                                       N                          FX                  0
        700424272          Refinance - Cash Out                           N                          FX                  0
        700424448          Refinance - Rate/Term                          N                          FX                  0
        700424462          Refinance - Rate/Term                          N                          FX                  0
        700424489          Purchase                                       N                          FX                  0
        700424530          Purchase                                       Y                          FX                  0
        700424757          Purchase                                       N                          FX                  0
        700424814          Purchase                                       Y                          FX                  0
        700424847          Refinance - Cash Out                           N                          FX                  0
        700424964          Refinance - Cash Out                           N                          FX                  0
        700424968          Purchase                                       N                          FX                  0
        700425183          Refinance - Cash Out                           Y                          FX                  0
        700425202          Purchase                                       N                          FX                  0
        700425211          Purchase                                       N                          FX                  0
        700425212          Purchase                                       Y                          FX                  0
        700425228          Purchase                                       N                          FX                  0
        700425259          Purchase                                       N                          FX                  0
        700425398          Purchase                                       Y                          FX                  0
        700425442          Purchase                                       N                          FX                  0
        700425444          Purchase                                       N                          FX                  0
        700425556          Purchase                                       Y                          FX                  0
        700425578          Purchase                                       N                          FX                  0
        700425730          Purchase                                       N                          FX                  0
        700425758          Refinance - Cash Out                           N                          FX                  0
        700425834          Purchase                                       N                          FX                  0
        700425853          Purchase                                       Y                          FX                  0
        700425959          Refinance - Cash Out                           N                          FX                  0
        700426038          Purchase                                       N                          FX                  0
        700426061          Purchase                                       N                          FX                  0
        700426169          Purchase                                       Y                          FX                  0
        700426180          Purchase                                       N                          FX                  0
        700426181          Refinance - Cash Out                           N                          FX                  0
        700426227          Purchase                                       N                          FX                  0
        700426316          Purchase                                       N                          FX                  0
        700426326          Refinance - Cash Out                           N                          FX                  0
        700426462          Refinance - Cash Out                           Y                          FX                  0
        700426583          Purchase                                       Y                          FX                  0
        700426618          Purchase                                       N                          FX                  0
        700426725          Purchase                                       N                          FX                  0
        700426803          Purchase                                       N                          FX                  0
        700426860          Purchase                                       N                          FX                  0
        700427003          Purchase                                       N                          FX                  0
        700427083          Purchase                                       N                          FX                  0
        700427103          Purchase                                       N                          FX                  0
        700427213          Purchase                                       N                          FX                  0
        700427337          Refinance - Cash Out                           N                          FX                  0
        700427364          Refinance - Rate/Term                          N                          FX                  0
        700427453          Purchase                                       N                          FX                  0
        700427493          Refinance - Cash Out                           N                          FX                  0
        700427540          Refinance - Cash Out                           N                          FX                  0
        700427583          Purchase                                       N                          FX                  0
        700427617          Refinance - Rate/Term                          N                          FX                  0
        700427791          Purchase                                       Y                          FX                  0
        700427857          Purchase                                       N                          FX                  0
        700427886          Purchase                                       N                          FX                  0
        700427901          Refinance - Cash Out                           N                          FX                  0
        700427934          Purchase                                       Y                          FX                  0
        700427951          Refinance - Rate/Term                          N                          FX                  0
        700427998          Purchase                                       N                          FX                  0
        700428001          Purchase                                       N                          FX                  0
        700428110          Purchase                                       N                          FX                  0
        700428147          Purchase                                       N                          FX                  0
        700428162          Purchase                                       N                          FX                  0
        700428425          Purchase                                       N                          FX                  0
        700428483          Refinance - Cash Out                           N                          FX                  0
        700428544          Purchase                                       N                          FX                  0
        700428579          Purchase                                       N                          FX                  0
        700428721          Refinance - Cash Out                           N                          FX                  0
        700428795          Purchase                                       N                          FX                  0
        700428800          Refinance - Cash Out                           N                          FX                  0
        700428815          Purchase                                       Y                          FX                  0
        700428877          Purchase                                       N                          FX                  0
        700428897          Purchase                                       N                          FX                  0
        700428951          Purchase                                       N                          FX                  0
        700429032          Purchase                                       N                          FX                  0
        700429107          Refinance - Cash Out                           Y                          FX                  0
        700429318          Purchase                                       N                          FX                  0
        700429399          Purchase                                       N                          FX                  0
        700429410          Purchase                                       N                          FX                  0
        700429515          Purchase                                       Y                          FX                  0
        700429608          Refinance - Rate/Term                          N                          FX                  0
        700429657          Purchase                                       N                          FX                  0
        700429661          Purchase                                       N                          FX                  0
        700429850          Purchase                                       N                          FX                  0
        700429899          Purchase                                       N                          FX                  0
        700429956          Refinance - Cash Out                           N                          FX                  0
        700429970          Purchase                                       N                          FX                  0
        700430110          Purchase                                       N                          FX                  0
        700430181          Purchase                                       N                          FX                  0
        700430223          Purchase                                       N                          FX                  0
        700430407          Purchase                                       Y                          FX                  0
        700430456          Purchase                                       Y                          FX                  0
        700430477          Purchase                                       N                          FX                  0
        700430525          Purchase                                       N                          FX                  0
        700430559          Purchase                                       N                          FX                  0
        700430606          Purchase                                       N                          FX                  0
        700430614          Purchase                                       N                          FX                  0
        700430683          Purchase                                       Y                          FX                  0
        700430738          Purchase                                       N                          FX                  0
        700430837          Purchase                                       N                          FX                  0
        700430841          Purchase                                       Y                          FX                  0
        700430906          Purchase                                       N                          FX                  0
        700430915          Purchase                                       Y                          FX                  0
        700431129          Refinance - Cash Out                           N                          FX                  0
        700431216          Purchase                                       N                          FX                  0
        700431252          Purchase                                       N                          FX                  0
        700431309          Purchase                                       N                          FX                  0
        700431400          Purchase                                       N                          FX                  0
        700431716          Purchase                                       N                          FX                  0
        700431754          Purchase                                       N                          FX                  0
        700431888          Refinance - Cash Out                           N                          FX                  0
        700431914          Purchase                                       N                          FX                  0
        700432029          Purchase                                       N                          FX                  0
        700432093          Purchase                                       N                          FX                  0
        700432358          Purchase                                       N                          FX                  0
        700432436          Refinance - Rate/Term                          N                          FX                  0
        700432618          Refinance - Cash Out                           N                          FX                  0
        700432796          Purchase                                       N                          FX                  0
        700432834          Purchase                                       N                          FX                  0
        700432937          Purchase                                       N                          FX                  0
        700433131          Purchase                                       N                          FX                  0
        700433178          Purchase                                       N                          FX                  0
        700433191          Refinance - Cash Out                           N                          FX                  0
        700433223          Purchase                                       N                          FX                  0
        700433229          Refinance - Cash Out                           N                          FX                  0
        700433329          Refinance - Cash Out                           N                          FX                  0
        700433351          Refinance - Cash Out                           N                          FX                  0
        700433390          Purchase                                       N                          FX                  0
        700433432          Purchase                                       Y                          FX                  0
        700433466          Purchase                                       N                          FX                  0
        700433514          Refinance - Cash Out                           N                          FX                  0
        700433567          Purchase                                       N                          FX                  0
        700433579          Refinance - Cash Out                           Y                          FX                  0
        700433742          Purchase                                       N                          FX                  0
        700433769          Purchase                                       N                          FX                  0
        700434618          Purchase                                       N                          FX                  0
        700434808          Refinance - Rate/Term                          N                          FX                  0
        700434881          Purchase                                       N                          FX                  0
        700434956          Refinance - Cash Out                           N                          FX                  0
        700435028          Purchase                                       Y                          FX                  0
        700435080          Purchase                                       N                          FX                  0
        700435197          Refinance - Cash Out                           N                          FX                  0
        700435202          Purchase                                       N                          FX                  0
        700435226          Refinance - Cash Out                           Y                          FX                  0
        700435359          Purchase                                       N                          FX                  0
        700435495          Purchase                                       N                          FX                  0
        700435826          Purchase                                       N                          FX                  0
        700436412          Purchase                                       N                          FX                  0
        700436922          Purchase                                       N                          FX                  0
        700437064          Purchase                                       N                          FX                  0
        700437144          Purchase                                       N                          FX                  0
        700437164          Refinance - Rate/Term                          N                          FX                  0
        700437893          Purchase                                       N                          FX                  0
        700438145          Purchase                                       N                          FX                  0
        700438240          Purchase                                       N                          FX                  0
        700439222          Purchase                                       N                          FX                  0
        700439347          Purchase                                       Y                          FX                  0
        700439553          Purchase                                       N                          FX                  0
        700439656          Purchase                                       N                          FX                  0
        700440158          Purchase                                       N                          FX                  0
        700440735          Purchase                                       N                          FX                  0
        700440907          Refinance - Cash Out                           N                          FX                  0
        700440908          Purchase                                       N                          FX                  0
        700441427          Purchase                                       N                          FX                  0
        700442709          Purchase                                       N                          FX                  0
        700442784          Purchase                                       N                          FX                  0
        700443456          Purchase                                       N                          FX                  0
        700443633          Purchase                                       N                          FX                  0
        700445641          Purchase                                       N                          FX                  0

         LOAN_NO             PERIODIC_RATE_CAP_UP         LIFE_MIN_RATE            LIFE_MAX_RATE           SERVICE_FEE          EXPENSE_FEE
-------------------------------------------------------------------------------------------------------------------------------------------
        500356453                      0                        0                        0                     0.5                  0.03
        500761165                      0                        0                        0                     0.5                  0.03
        500763132                      0                        0                        0                     0.5                  0.03
        500767705                      0                        0                        0                     0.5                  0.03
        500771148                      0                        0                        0                     0.5                  0.03
        500771558                      0                        0                        0                     0.5                  0.03
        500771548                      0                        0                        0                     0.5                  0.03
        500771542                      0                        0                        0                     0.5                  0.03
        500780979                      0                        0                        0                     0.5                  0.03
        500783976                      0                        0                        0                     0.5                  0.03
        500783999                      0                        0                        0                     0.5                  0.03
        500784014                      0                        0                        0                     0.5                  0.03
        500785434                      0                        0                        0                     0.5                  0.03
        500785780                      0                        0                        0                     0.5                  0.03
        500791939                      0                        0                        0                     0.5                  0.03
        500792328                      0                        0                        0                     0.5                  0.03
        500792522                      0                        0                        0                     0.5                  0.03
        500792469                      0                        0                        0                     0.5                  0.03
        500792709                      0                        0                        0                     0.5                  0.03
        500793545                      0                        0                        0                     0.5                  0.03
        500787683                      0                        0                        0                     0.5                  0.03
        500793699                      0                        0                        0                     0.5                  0.03
        500793990                      0                        0                        0                     0.5                  0.03
        500794668                      0                        0                        0                     0.5                  0.03
        500794775                      0                        0                        0                     0.5                  0.03
        500794869                      0                        0                        0                     0.5                  0.03
        500796635                      0                        0                        0                     0.5                  0.03
        500797342                      0                        0                        0                     0.5                  0.03
        500794580                      0                        0                        0                     0.5                  0.03
        500797762                      0                        0                        0                     0.5                  0.03
        500797483                      0                        0                        0                     0.5                  0.03
        500798434                      0                        0                        0                     0.5                  0.03
        500798500                      0                        0                        0                     0.5                  0.03
        500792147                      0                        0                        0                     0.5                  0.03
        500799473                      0                        0                        0                     0.5                  0.03
        500800143                      0                        0                        0                     0.5                  0.03
        500800135                      0                        0                        0                     0.5                  0.03
        500800124                      0                        0                        0                     0.5                  0.03
        500800177                      0                        0                        0                     0.5                  0.03
        500800212                      0                        0                        0                     0.5                  0.03
        500800737                      0                        0                        0                     0.5                  0.03
        500800855                      0                        0                        0                     0.5                  0.03
        500801223                      0                        0                        0                     0.5                  0.03
        500801516                      0                        0                        0                     0.5                  0.03
        500801519                      0                        0                        0                     0.5                  0.03
        500801618                      0                        0                        0                     0.5                  0.03
        500803068                      0                        0                        0                     0.5                  0.03
        500803192                      0                        0                        0                     0.5                  0.03
        500803202                      0                        0                        0                     0.5                  0.03
        500803355                      0                        0                        0                     0.5                  0.03
        500804142                      0                        0                        0                     0.5                  0.03
        500804255                      0                        0                        0                     0.5                  0.03
        500804347                      0                        0                        0                     0.5                  0.03
        500804983                      0                        0                        0                     0.5                  0.03
        500805320                      0                        0                        0                     0.5                  0.03
        500805520                      0                        0                        0                     0.5                  0.03
        500805543                      0                        0                        0                     0.5                  0.03
        500805647                      0                        0                        0                     0.5                  0.03
        500806144                      0                        0                        0                     0.5                  0.03
        500806147                      0                        0                        0                     0.5                  0.03
        500806183                      0                        0                        0                     0.5                  0.03
        500806213                      0                        0                        0                     0.5                  0.03
        500806040                      0                        0                        0                     0.5                  0.03
        500806202                      0                        0                        0                     0.5                  0.03
        500806364                      0                        0                        0                     0.5                  0.03
        500806367                      0                        0                        0                     0.5                  0.03
        500806567                      0                        0                        0                     0.5                  0.03
        500806594                      0                        0                        0                     0.5                  0.03
        500806839                      0                        0                        0                     0.5                  0.03
        500806743                      0                        0                        0                     0.5                  0.03
        500806933                      0                        0                        0                     0.5                  0.03
        500807462                      0                        0                        0                     0.5                  0.03
        500807495                      0                        0                        0                     0.5                  0.03
        500807533                      0                        0                        0                     0.5                  0.03
        500807585                      0                        0                        0                     0.5                  0.03
        500807587                      0                        0                        0                     0.5                  0.03
        500807895                      0                        0                        0                     0.5                  0.03
        500807900                      0                        0                        0                     0.5                  0.03
        500807903                      0                        0                        0                     0.5                  0.03
        500808000                      0                        0                        0                     0.5                  0.03
        500808013                      0                        0                        0                     0.5                  0.03
        500808072                      0                        0                        0                     0.5                  0.03
        500808077                      0                        0                        0                     0.5                  0.03
        500808139                      0                        0                        0                     0.5                  0.03
        500808800                      0                        0                        0                     0.5                  0.03
        500808128                      0                        0                        0                     0.5                  0.03
        500809023                      0                        0                        0                     0.5                  0.03
        500796652                      0                        0                        0                     0.5                  0.03
        500809166                      0                        0                        0                     0.5                  0.03
        500809387                      0                        0                        0                     0.5                  0.03
        500809405                      0                        0                        0                     0.5                  0.03
        500809427                      0                        0                        0                     0.5                  0.03
        500794432                      0                        0                        0                     0.5                  0.03
        500810345                      0                        0                        0                     0.5                  0.03
        500810379                      0                        0                        0                     0.5                  0.03
        500809579                      0                        0                        0                     0.5                  0.03
        500811401                      0                        0                        0                     0.5                  0.03
        500810740                      0                        0                        0                     0.5                  0.03
        500811568                      0                        0                        0                     0.5                  0.03
        500811806                      0                        0                        0                     0.5                  0.03
        500812485                      0                        0                        0                     0.5                  0.03
        500812533                      0                        0                        0                     0.5                  0.03
        500812707                      0                        0                        0                     0.5                  0.03
        500812710                      0                        0                        0                     0.5                  0.03
        500812714                      0                        0                        0                     0.5                  0.03
        500812715                      0                        0                        0                     0.5                  0.03
        500812716                      0                        0                        0                     0.5                  0.03
        500812720                      0                        0                        0                     0.5                  0.03
        500812742                      0                        0                        0                     0.5                  0.03
        500812839                      0                        0                        0                     0.5                  0.03
        500812992                      0                        0                        0                     0.5                  0.03
        500802412                      0                        0                        0                     0.5                  0.03
        500813179                      0                        0                        0                     0.5                  0.03
        500813186                      0                        0                        0                     0.5                  0.03
        500813200                      0                        0                        0                     0.5                  0.03
        500813431                      0                        0                        0                     0.5                  0.03
        500777840                      0                        0                        0                     0.5                  0.03
        500772684                      0                        0                        0                     0.5                  0.03
        500813496                      0                        0                        0                     0.5                  0.03
        500813652                      0                        0                        0                     0.5                  0.03
        500740344                      0                        0                        0                     0.5                  0.03
        500813690                      0                        0                        0                     0.5                  0.03
        500813822                      0                        0                        0                     0.5                  0.03
        500813885                      0                        0                        0                     0.5                  0.03
        500813898                      0                        0                        0                     0.5                  0.03
        500814038                      0                        0                        0                     0.5                  0.03
        500814063                      0                        0                        0                     0.5                  0.03
        500814062                      0                        0                        0                     0.5                  0.03
        500814071                      0                        0                        0                     0.5                  0.03
        500814124                      0                        0                        0                     0.5                  0.03
        500814175                      0                        0                        0                     0.5                  0.03
        500814382                      0                        0                        0                     0.5                  0.03
        500814383                      0                        0                        0                     0.5                  0.03
        500814430                      0                        0                        0                     0.5                  0.03
        500814573                      0                        0                        0                     0.5                  0.03
        500814574                      0                        0                        0                     0.5                  0.03
        500814575                      0                        0                        0                     0.5                  0.03
        500814578                      0                        0                        0                     0.5                  0.03
        500814579                      0                        0                        0                     0.5                  0.03
        500814718                      0                        0                        0                     0.5                  0.03
        500814771                      0                        0                        0                     0.5                  0.03
        500814806                      0                        0                        0                     0.5                  0.03
        500814762                      0                        0                        0                     0.5                  0.03
        500814868                      0                        0                        0                     0.5                  0.03
        500814883                      0                        0                        0                     0.5                  0.03
        500814872                      0                        0                        0                     0.5                  0.03
        500814808                      0                        0                        0                     0.5                  0.03
        500814224                      0                        0                        0                     0.5                  0.03
        500814946                      0                        0                        0                     0.5                  0.03
        500815299                      0                        0                        0                     0.5                  0.03
        500815377                      0                        0                        0                     0.5                  0.03
        500815323                      0                        0                        0                     0.5                  0.03
        500815395                      0                        0                        0                     0.5                  0.03
        500815433                      0                        0                        0                     0.5                  0.03
        500809240                      0                        0                        0                     0.5                  0.03
        500815484                      0                        0                        0                     0.5                  0.03
        500815444                      0                        0                        0                     0.5                  0.03
        500815747                      0                        0                        0                     0.5                  0.03
        500815824                      0                        0                        0                     0.5                  0.03
        500815857                      0                        0                        0                     0.5                  0.03
        500815863                      0                        0                        0                     0.5                  0.03
        500815905                      0                        0                        0                     0.5                  0.03
        500815938                      0                        0                        0                     0.5                  0.03
        500815956                      0                        0                        0                     0.5                  0.03
        500815984                      0                        0                        0                     0.5                  0.03
        500813699                      0                        0                        0                     0.5                  0.03
        500816230                      0                        0                        0                     0.5                  0.03
        500816243                      0                        0                        0                     0.5                  0.03
        500816247                      0                        0                        0                     0.5                  0.03
        500816258                      0                        0                        0                     0.5                  0.03
        500816282                      0                        0                        0                     0.5                  0.03
        500816389                      0                        0                        0                     0.5                  0.03
        500816397                      0                        0                        0                     0.5                  0.03
        500816459                      0                        0                        0                     0.5                  0.03
        500816188                      0                        0                        0                     0.5                  0.03
        500816578                      0                        0                        0                     0.5                  0.03
        500816602                      0                        0                        0                     0.5                  0.03
        500816606                      0                        0                        0                     0.5                  0.03
        500816177                      0                        0                        0                     0.5                  0.03
        500816723                      0                        0                        0                     0.5                  0.03
        500816732                      0                        0                        0                     0.5                  0.03
        500817035                      0                        0                        0                     0.5                  0.03
        500813920                      0                        0                        0                     0.5                  0.03
        500817278                      0                        0                        0                     0.5                  0.03
        500811389                      0                        0                        0                     0.5                  0.03
        500817450                      0                        0                        0                     0.5                  0.03
        500817456                      0                        0                        0                     0.5                  0.03
        500817457                      0                        0                        0                     0.5                  0.03
        500817460                      0                        0                        0                     0.5                  0.03
        500817461                      0                        0                        0                     0.5                  0.03
        500817463                      0                        0                        0                     0.5                  0.03
        500817465                      0                        0                        0                     0.5                  0.03
        500817467                      0                        0                        0                     0.5                  0.03
        500817515                      0                        0                        0                     0.5                  0.03
        500817585                      0                        0                        0                     0.5                  0.03
        500817615                      0                        0                        0                     0.5                  0.03
        500817657                      0                        0                        0                     0.5                  0.03
        500817660                      0                        0                        0                     0.5                  0.03
        500817731                      0                        0                        0                     0.5                  0.03
        500817752                      0                        0                        0                     0.5                  0.03
        500817945                      0                        0                        0                     0.5                  0.03
        500810652                      0                        0                        0                     0.5                  0.03
        500817986                      0                        0                        0                     0.5                  0.03
        500812812                      0                        0                        0                     0.5                  0.03
        500818122                      0                        0                        0                     0.5                  0.03
        500818198                      0                        0                        0                     0.5                  0.03
        500818071                      0                        0                        0                     0.5                  0.03
        500768076                      0                        0                        0                     0.5                  0.03
        500818488                      0                        0                        0                     0.5                  0.03
        500818616                      0                        0                        0                     0.5                  0.03
        500818657                      0                        0                        0                     0.5                  0.03
        500818702                      0                        0                        0                     0.5                  0.03
        500818767                      0                        0                        0                     0.5                  0.03
        500818821                      0                        0                        0                     0.5                  0.03
        500793436                      0                        0                        0                     0.5                  0.03
        500819040                      0                        0                        0                     0.5                  0.03
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        700421296                      0                        0                        0                     0.5                  0.03
        700421343                      0                        0                        0                     0.5                  0.03
        700421365                      0                        0                        0                     0.5                  0.03
        700421394                      0                        0                        0                     0.5                  0.03
        700421428                      0                        0                        0                     0.5                  0.03
        700421429                      0                        0                        0                     0.5                  0.03
        700421670                      0                        0                        0                     0.5                  0.03
        700421786                      0                        0                        0                     0.5                  0.03
        700421831                      0                        0                        0                     0.5                  0.03
        700421898                      0                        0                        0                     0.5                  0.03
        700421961                      0                        0                        0                     0.5                  0.03
        700422011                      0                        0                        0                     0.5                  0.03
        700422119                      0                        0                        0                     0.5                  0.03
        700422143                      0                        0                        0                     0.5                  0.03
        700422200                      0                        0                        0                     0.5                  0.03
        700422221                      0                        0                        0                     0.5                  0.03
        700422224                      0                        0                        0                     0.5                  0.03
        700422227                      0                        0                        0                     0.5                  0.03
        700422284                      0                        0                        0                     0.5                  0.03
        700422294                      0                        0                        0                     0.5                  0.03
        700422394                      0                        0                        0                     0.5                  0.03
        700422503                      0                        0                        0                     0.5                  0.03
        700422664                      0                        0                        0                     0.5                  0.03
        700422673                      0                        0                        0                     0.5                  0.03
        700422693                      0                        0                        0                     0.5                  0.03
        700422694                      0                        0                        0                     0.5                  0.03
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        700422718                      0                        0                        0                     0.5                  0.03
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        700423215                      0                        0                        0                     0.5                  0.03
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        700423995                      0                        0                        0                     0.5                  0.03
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        700425202                      0                        0                        0                     0.5                  0.03
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        700425959                      0                        0                        0                     0.5                  0.03
        700426038                      0                        0                        0                     0.5                  0.03
        700426061                      0                        0                        0                     0.5                  0.03
        700426169                      0                        0                        0                     0.5                  0.03
        700426180                      0                        0                        0                     0.5                  0.03
        700426181                      0                        0                        0                     0.5                  0.03
        700426227                      0                        0                        0                     0.5                  0.03
        700426316                      0                        0                        0                     0.5                  0.03
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        700426462                      0                        0                        0                     0.5                  0.03
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        700427213                      0                        0                        0                     0.5                  0.03
        700427337                      0                        0                        0                     0.5                  0.03
        700427364                      0                        0                        0                     0.5                  0.03
        700427453                      0                        0                        0                     0.5                  0.03
        700427493                      0                        0                        0                     0.5                  0.03
        700427540                      0                        0                        0                     0.5                  0.03
        700427583                      0                        0                        0                     0.5                  0.03
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        700427791                      0                        0                        0                     0.5                  0.03
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        700428162                      0                        0                        0                     0.5                  0.03
        700428425                      0                        0                        0                     0.5                  0.03
        700428483                      0                        0                        0                     0.5                  0.03
        700428544                      0                        0                        0                     0.5                  0.03
        700428579                      0                        0                        0                     0.5                  0.03
        700428721                      0                        0                        0                     0.5                  0.03
        700428795                      0                        0                        0                     0.5                  0.03
        700428800                      0                        0                        0                     0.5                  0.03
        700428815                      0                        0                        0                     0.5                  0.03
        700428877                      0                        0                        0                     0.5                  0.03
        700428897                      0                        0                        0                     0.5                  0.03
        700428951                      0                        0                        0                     0.5                  0.03
        700429032                      0                        0                        0                     0.5                  0.03
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        700429318                      0                        0                        0                     0.5                  0.03
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        700429515                      0                        0                        0                     0.5                  0.03
        700429608                      0                        0                        0                     0.5                  0.03
        700429657                      0                        0                        0                     0.5                  0.03
        700429661                      0                        0                        0                     0.5                  0.03
        700429850                      0                        0                        0                     0.5                  0.03
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        700429956                      0                        0                        0                     0.5                  0.03
        700429970                      0                        0                        0                     0.5                  0.03
        700430110                      0                        0                        0                     0.5                  0.03
        700430181                      0                        0                        0                     0.5                  0.03
        700430223                      0                        0                        0                     0.5                  0.03
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        700430837                      0                        0                        0                     0.5                  0.03
        700430841                      0                        0                        0                     0.5                  0.03
        700430906                      0                        0                        0                     0.5                  0.03
        700430915                      0                        0                        0                     0.5                  0.03
        700431129                      0                        0                        0                     0.5                  0.03
        700431216                      0                        0                        0                     0.5                  0.03
        700431252                      0                        0                        0                     0.5                  0.03
        700431309                      0                        0                        0                     0.5                  0.03
        700431400                      0                        0                        0                     0.5                  0.03
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        700433223                      0                        0                        0                     0.5                  0.03
        700433229                      0                        0                        0                     0.5                  0.03
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        700433351                      0                        0                        0                     0.5                  0.03
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        700434618                      0                        0                        0                     0.5                  0.03
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        700434956                      0                        0                        0                     0.5                  0.03
        700435028                      0                        0                        0                     0.5                  0.03
        700435080                      0                        0                        0                     0.5                  0.03
        700435197                      0                        0                        0                     0.5                  0.03
        700435202                      0                        0                        0                     0.5                  0.03
        700435226                      0                        0                        0                     0.5                  0.03
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        700436412                      0                        0                        0                     0.5                  0.03
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        700437144                      0                        0                        0                     0.5                  0.03
        700437164                      0                        0                        0                     0.5                  0.03
        700437893                      0                        0                        0                     0.5                  0.03
        700438145                      0                        0                        0                     0.5                  0.03
        700438240                      0                        0                        0                     0.5                  0.03
        700439222                      0                        0                        0                     0.5                  0.03
        700439347                      0                        0                        0                     0.5                  0.03
        700439553                      0                        0                        0                     0.5                  0.03
        700439656                      0                        0                        0                     0.5                  0.03
        700440158                      0                        0                        0                     0.5                  0.03
        700440735                      0                        0                        0                     0.5                  0.03
        700440907                      0                        0                        0                     0.5                  0.03
        700440908                      0                        0                        0                     0.5                  0.03
        700441427                      0                        0                        0                     0.5                  0.03
        700442709                      0                        0                        0                     0.5                  0.03
        700442784                      0                        0                        0                     0.5                  0.03
        700443456                      0                        0                        0                     0.5                  0.03
        700443633                      0                        0                        0                     0.5                  0.03
        700445641                      0                        0                        0                     0.5                  0.03

         LOAN_NO                  MERS            BALLOON            DEAL_GROUP_NO                 SCHED_PAID_THRU_DATE
-----------------------------------------------------------------------------------------------------------------------
        500356453               1.00E+17             Y                     2                            12/1/2006
        500761165               1.00E+17             Y                     2                            12/1/2006
        500763132               1.00E+17             Y                     2                            12/1/2006
        500767705               1.00E+17             Y                     1                            12/1/2006
        500771148               1.00E+17             Y                     2                            12/1/2006
        500771558               1.00E+17             N                     2                            12/1/2006
        500771548               1.00E+17             N                     2                            12/1/2006
        500771542               1.00E+17             N                     2                            12/1/2006
        500780979               1.00E+17             Y                     2                            12/1/2006
        500783976               1.00E+17             Y                     2                            12/1/2006
        500783999               1.00E+17             Y                     2                            12/1/2006
        500784014               1.00E+17             Y                     2                            12/1/2006
        500785434               1.00E+17             Y                     2                            12/1/2006
        500785780               1.00E+17             Y                     1                            12/1/2006
        500791939               1.00E+17             Y                     2                            12/1/2006
        500792328               1.00E+17             Y                     2                            12/1/2006
        500792522               1.00E+17             N                     2                            12/1/2006
        500792469               1.00E+17             Y                     2                            12/1/2006
        500792709               1.00E+17             N                     2                            12/1/2006
        500793545               1.00E+17             N                     2                            12/1/2006
        500787683               1.00E+17             N                     2                            12/1/2006
        500793699               1.00E+17             Y                     2                            12/1/2006
        500793990               1.00E+17             N                     2                            12/1/2006
        500794668               1.00E+17             N                     2                            12/1/2006
        500794775               1.00E+17             Y                     2                            12/1/2006
        500794869               1.00E+17             Y                     2                            12/1/2006
        500796635               1.00E+17             N                     2                            12/1/2006
        500797342               1.00E+17             Y                     2                            12/1/2006
        500794580               1.00E+17             Y                     2                            12/1/2006
        500797762               1.00E+17             Y                     2                            12/1/2006
        500797483               1.00E+17             N                     2                            12/1/2006
        500798434               1.00E+17             Y                     2                            12/1/2006
        500798500               1.00E+17             Y                     2                            12/1/2006
        500792147               1.00E+17             Y                     1                            12/1/2006
        500799473               1.00E+17             Y                     2                            12/1/2006
        500800143               1.00E+17             Y                     2                            12/1/2006
        500800135               1.00E+17             Y                     2                            12/1/2006
        500800124               1.00E+17             Y                     2                            12/1/2006
        500800177               1.00E+17             Y                     2                            12/1/2006
        500800212               1.00E+17             Y                     2                            12/1/2006
        500800737               1.00E+17             N                     1                            12/1/2006
        500800855               1.00E+17             N                     2                            12/1/2006
        500801223               1.00E+17             Y                     2                            12/1/2006
        500801516               1.00E+17             Y                     1                            12/1/2006
        500801519               1.00E+17             Y                     2                            12/1/2006
        500801618               1.00E+17             Y                     2                            12/1/2006
        500803068               1.00E+17             N                     2                            12/1/2006
        500803192               1.00E+17             Y                     1                            12/1/2006
        500803202               1.00E+17             Y                     2                            12/1/2006
        500803355               1.00E+17             N                     2                            12/1/2006
        500804142               1.00E+17             Y                     2                            12/1/2006
        500804255               1.00E+17             Y                     2                            12/1/2006
        500804347               1.00E+17             Y                     2                            12/1/2006
        500804983               1.00E+17             Y                     2                            12/1/2006
        500805320               1.00E+17             Y                     2                            12/1/2006
        500805520               1.00E+17             Y                     2                            12/1/2006
        500805543               1.00E+17             Y                     2                            12/1/2006
        500805647               1.00E+17             Y                     2                            12/1/2006
        500806144               1.00E+17             N                     2                            12/1/2006
        500806147               1.00E+17             Y                     2                            12/1/2006
        500806183               1.00E+17             Y                     2                            12/1/2006
        500806213               1.00E+17             N                     2                            12/1/2006
        500806040               1.00E+17             N                     2                            12/1/2006
        500806202               1.00E+17             Y                     2                            12/1/2006
        500806364               1.00E+17             Y                     2                            12/1/2006
        500806367               1.00E+17             N                     2                            12/1/2006
        500806567               1.00E+17             Y                     2                            12/1/2006
        500806594               1.00E+17             Y                     1                            12/1/2006
        500806839               1.00E+17             Y                     2                            12/1/2006
        500806743               1.00E+17             N                     2                            12/1/2006
        500806933               1.00E+17             Y                     2                            12/1/2006
        500807462               1.00E+17             Y                     2                            12/1/2006
        500807495               1.00E+17             Y                     2                            12/1/2006
        500807533               1.00E+17             Y                     2                            12/1/2006
        500807585               1.00E+17             Y                     1                            12/1/2006
        500807587               1.00E+17             Y                     2                            12/1/2006
        500807895               1.00E+17             Y                     2                            12/1/2006
        500807900               1.00E+17             Y                     1                            12/1/2006
        500807903               1.00E+17             N                     2                            12/1/2006
        500808000               1.00E+17             N                     2                            12/1/2006
        500808013               1.00E+17             Y                     2                            12/1/2006
        500808072               1.00E+17             N                     2                            12/1/2006
        500808077               1.00E+17             Y                     2                            12/1/2006
        500808139               1.00E+17             Y                     2                            12/1/2006
        500808800               1.00E+17             Y                     1                            12/1/2006
        500808128               1.00E+17             Y                     2                            12/1/2006
        500809023               1.00E+17             Y                     2                            12/1/2006
        500796652               1.00E+17             Y                     2                            12/1/2006
        500809166               1.00E+17             N                     1                            12/1/2006
        500809387               1.00E+17             Y                     2                            12/1/2006
        500809405               1.00E+17             Y                     2                            12/1/2006
        500809427               1.00E+17             N                     2                            12/1/2006
        500794432               1.00E+17             Y                     2                            12/1/2006
        500810345               1.00E+17             Y                     1                            12/1/2006
        500810379               1.00E+17             N                     2                            12/1/2006
        500809579               1.00E+17             Y                     2                            12/1/2006
        500811401               1.00E+17             N                     2                            12/1/2006
        500810740               1.00E+17             N                     1                            12/1/2006
        500811568               1.00E+17             Y                     2                            12/1/2006
        500811806               1.00E+17             N                     2                            12/1/2006
        500812485               1.00E+17             Y                     2                            12/1/2006
        500812533               1.00E+17             Y                     2                            12/1/2006
        500812707               1.00E+17             Y                     2                            12/1/2006
        500812710               1.00E+17             Y                     2                            12/1/2006
        500812714               1.00E+17             N                     2                            12/1/2006
        500812715               1.00E+17             Y                     2                            12/1/2006
        500812716               1.00E+17             N                     1                            12/1/2006
        500812720               1.00E+17             Y                     2                            12/1/2006
        500812742               1.00E+17             N                     2                            12/1/2006
        500812839               1.00E+17             N                     1                            12/1/2006
        500812992               1.00E+17             Y                     2                            12/1/2006
        500802412               1.00E+17             Y                     1                            12/1/2006
        500813179               1.00E+17             Y                     2                            12/1/2006
        500813186               1.00E+17             Y                     2                            12/1/2006
        500813200               1.00E+17             Y                     2                            12/1/2006
        500813431               1.00E+17             Y                     2                            12/1/2006
        500777840               1.00E+17             Y                     2                            12/1/2006
        500772684               1.00E+17             Y                     2                            12/1/2006
        500813496               1.00E+17             Y                     2                            12/1/2006
        500813652               1.00E+17             Y                     2                            12/1/2006
        500740344               1.00E+17             Y                     2                            12/1/2006
        500813690               1.00E+17             Y                     2                            12/1/2006
        500813822               1.00E+17             Y                     2                            12/1/2006
        500813885               1.00E+17             Y                     2                            12/1/2006
        500813898               1.00E+17             Y                     2                            12/1/2006
        500814038               1.00E+17             Y                     2                            12/1/2006
        500814063               1.00E+17             Y                     1                            12/1/2006
        500814062               1.00E+17             Y                     1                            12/1/2006
        500814071               1.00E+17             Y                     2                            12/1/2006
        500814124               1.00E+17             Y                     2                            12/1/2006
        500814175               1.00E+17             Y                     2                            12/1/2006
        500814382               1.00E+17             Y                     2                            12/1/2006
        500814383               1.00E+17             N                     2                            12/1/2006
        500814430               1.00E+17             Y                     2                            12/1/2006
        500814573               1.00E+17             Y                     2                            12/1/2006
        500814574               1.00E+17             N                     2                            12/1/2006
        500814575               1.00E+17             N                     2                            12/1/2006
        500814578               1.00E+17             Y                     1                            12/1/2006
        500814579               1.00E+17             Y                     2                            12/1/2006
        500814718               1.00E+17             N                     2                            12/1/2006
        500814771               1.00E+17             N                     2                            12/1/2006
        500814806               1.00E+17             Y                     2                            12/1/2006
        500814762               1.00E+17             N                     2                            12/1/2006
        500814868               1.00E+17             Y                     2                            12/1/2006
        500814883               1.00E+17             Y                     2                            12/1/2006
        500814872               1.00E+17             N                     1                            12/1/2006
        500814808               1.00E+17             Y                     2                            12/1/2006
        500814224               1.00E+17             Y                     2                            12/1/2006
        500814946               1.00E+17             Y                     2                            12/1/2006
        500815299               1.00E+17             Y                     2                            12/1/2006
        500815377               1.00E+17             Y                     2                            12/1/2006
        500815323               1.00E+17             Y                     2                            12/1/2006
        500815395               1.00E+17             Y                     2                            12/1/2006
        500815433               1.00E+17             N                     1                            12/1/2006
        500809240               1.00E+17             Y                     1                            12/1/2006
        500815484               1.00E+17             Y                     2                            12/1/2006
        500815444               1.00E+17             Y                     2                            12/1/2006
        500815747               1.00E+17             N                     2                            12/1/2006
        500815824               1.00E+17             Y                     2                            12/1/2006
        500815857               1.00E+17             Y                     1                            12/1/2006
        500815863               1.00E+17             Y                     2                            12/1/2006
        500815905               1.00E+17             Y                     2                            12/1/2006
        500815938               1.00E+17             Y                     2                            12/1/2006
        500815956               1.00E+17             N                     1                            12/1/2006
        500815984               1.00E+17             Y                     1                            12/1/2006
        500813699               1.00E+17             Y                     2                            12/1/2006
        500816230               1.00E+17             Y                     2                            12/1/2006
        500816243               1.00E+17             Y                     2                            12/1/2006
        500816247               1.00E+17             Y                     2                            12/1/2006
        500816258               1.00E+17             N                     2                            12/1/2006
        500816282               1.00E+17             N                     1                            12/1/2006
        500816389               1.00E+17             Y                     2                            12/1/2006
        500816397               1.00E+17             Y                     2                            12/1/2006
        500816459               1.00E+17             Y                     2                            12/1/2006
        500816188               1.00E+17             N                     2                            12/1/2006
        500816578               1.00E+17             Y                     2                            12/1/2006
        500816602               1.00E+17             Y                     2                            12/1/2006
        500816606               1.00E+17             N                     1                            12/1/2006
        500816177               1.00E+17             N                     2                            12/1/2006
        500816723               1.00E+17             Y                     2                            12/1/2006
        500816732               1.00E+17             Y                     2                            12/1/2006
        500817035               1.00E+17             Y                     1                            12/1/2006
        500813920               1.00E+17             Y                     1                            12/1/2006
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        500817450               1.00E+17             Y                     1                            12/1/2006
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        500817460               1.00E+17             Y                     2                            12/1/2006
        500817461               1.00E+17             Y                     2                            12/1/2006
        500817463               1.00E+17             Y                     2                            12/1/2006
        500817465               1.00E+17             Y                     2                            12/1/2006
        500817467               1.00E+17             Y                     2                            12/1/2006
        500817515               1.00E+17             Y                     2                            12/1/2006
        500817585               1.00E+17             Y                     1                            12/1/2006
        500817615               1.00E+17             Y                     2                            12/1/2006
        500817657               1.00E+17             Y                     2                            12/1/2006
        500817660               1.00E+17             Y                     2                            12/1/2006
        500817731               1.00E+17             Y                     2                            12/1/2006
        500817752               1.00E+17             Y                     2                            12/1/2006
        500817945               1.00E+17             Y                     2                            12/1/2006
        500810652               1.00E+17             N                     2                            12/1/2006
        500817986               1.00E+17             N                     2                            12/1/2006
        500812812               1.00E+17             Y                     1                            12/1/2006
        500818122               1.00E+17             Y                     2                            12/1/2006
        500818198               1.00E+17             N                     2                            12/1/2006
        500818071               1.00E+17             Y                     2                            12/1/2006
        500768076               1.00E+17             Y                     2                            12/1/2006
        500818488               1.00E+17             Y                     1                            12/1/2006
        500818616               1.00E+17             N                     2                            12/1/2006
        500818657               1.00E+17             N                     1                            12/1/2006
        500818702               1.00E+17             Y                     1                            12/1/2006
        500818767               1.00E+17             Y                     2                            12/1/2006
        500818821               1.00E+17             Y                     1                            12/1/2006
        500793436               1.00E+17             Y                     2                            12/1/2006
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        500819470               1.00E+17             Y                     2                            12/1/2006
        500819422               1.00E+17             Y                     1                            12/1/2006
        500819518               1.00E+17             N                     2                            12/1/2006
        500819407               1.00E+17             Y                     1                            12/1/2006
        500819477               1.00E+17             N                     2                            12/1/2006
        500819374               1.00E+17             Y                     2                            12/1/2006
        500819623               1.00E+17             Y                     2                            12/1/2006
        500819622               1.00E+17             Y                     2                            12/1/2006
        500819661               1.00E+17             N                     2                            12/1/2006
        500819684               1.00E+17             Y                     2                            12/1/2006
        500819695               1.00E+17             Y                     2                            12/1/2006
        500819774               1.00E+17             Y                     1                            12/1/2006
        500819504               1.00E+17             Y                     2                            12/1/2006
        500819527               1.00E+17             Y                     2                            12/1/2006
        500819580               1.00E+17             N                     2                            12/1/2006
        500819852               1.00E+17             Y                     2                            12/1/2006
        500819891               1.00E+17             Y                     2                            12/1/2006
        500819902               1.00E+17             Y                     2                            12/1/2006
        500819907               1.00E+17             Y                     1                            12/1/2006
        500819917               1.00E+17             Y                     1                            12/1/2006
        500820057               1.00E+17             Y                     2                            12/1/2006
        500820088               1.00E+17             Y                     2                            12/1/2006
        500820112               1.00E+17             Y                     2                            12/1/2006
        500820151               1.00E+17             Y                     2                            12/1/2006
        500820187               1.00E+17             Y                     2                            12/1/2006
        500819255               1.00E+17             Y                     2                            12/1/2006
        500820206               1.00E+17             Y                     2                            12/1/2006
        500820236               1.00E+17             Y                     2                            12/1/2006
        500820246               1.00E+17             Y                     2                            12/1/2006
        500820248               1.00E+17             Y                     2                            12/1/2006
        500820306               1.00E+17             Y                     2                            12/1/2006
        500819317               1.00E+17             N                     2                            12/1/2006
        500820409               1.00E+17             Y                     2                            12/1/2006
        500820460               1.00E+17             Y                     2                            12/1/2006
        500820578               1.00E+17             Y                     2                            12/1/2006
        500820661               1.00E+17             N                     2                            12/1/2006
        500820677               1.00E+17             Y                     2                            12/1/2006
        500820683               1.00E+17             Y                     1                            12/1/2006
        500820293               1.00E+17             Y                     2                            12/1/2006
        500820721               1.00E+17             Y                     2                            12/1/2006
        500820723               1.00E+17             N                     2                            12/1/2006
        500820772               1.00E+17             Y                     2                            12/1/2006
        500820415               1.00E+17             Y                     2                            12/1/2006
        500820770               1.00E+17             Y                     2                            12/1/2006
        500820831               1.00E+17             Y                     2                            12/1/2006
        500820833               1.00E+17             N                     2                            12/1/2006
        500821182               1.00E+17             Y                     2                            12/1/2006
        500821234               1.00E+17             Y                     1                            12/1/2006
        500821299               1.00E+17             Y                     2                            12/1/2006
        500821378               1.00E+17             N                     1                            12/1/2006
        500821627               1.00E+17             N                     1                            12/1/2006
        500813749               1.00E+17             Y                     2                            12/1/2006
        500813101               1.00E+17             N                     2                            12/1/2006
        500821654               1.00E+17             Y                     2                            12/1/2006
        500821134               1.00E+17             Y                     2                            12/1/2006
        500812084               1.00E+17             N                     2                            12/1/2006
        500821738               1.00E+17             Y                     2                            12/1/2006
        500821787               1.00E+17             Y                     2                            12/1/2006
        500821789               1.00E+17             Y                     1                            12/1/2006
        500821800               1.00E+17             Y                     2                            12/1/2006
        500821867               1.00E+17             N                     2                            12/1/2006
        500821868               1.00E+17             N                     2                            12/1/2006
        500821869               1.00E+17             N                     2                            12/1/2006
        500821870               1.00E+17             Y                     2                            12/1/2006
        500821872               1.00E+17             Y                     2                            12/1/2006
        500821873               1.00E+17             Y                     2                            12/1/2006
        500821874               1.00E+17             N                     2                            12/1/2006
        500822063               1.00E+17             Y                     2                            12/1/2006
        500822081               1.00E+17             N                     2                            12/1/2006
        500820769               1.00E+17             N                     2                            12/1/2006
        500822252               1.00E+17             N                     1                            12/1/2006
        500822323               1.00E+17             Y                     2                            12/1/2006
        500822077               1.00E+17             N                     1                            12/1/2006
        500816116               1.00E+17             Y                     1                            12/1/2006
        500822367               1.00E+17             Y                     2                            12/1/2006
        500822377               1.00E+17             Y                     2                            12/1/2006
        500822386               1.00E+17             Y                     2                            12/1/2006
        500822468               1.00E+17             Y                     2                            12/1/2006
        500822513               1.00E+17             N                     2                            12/1/2006
        500822517               1.00E+17             Y                     2                            12/1/2006
        500822567               1.00E+17             Y                     2                            12/1/2006
        500822687               1.00E+17             Y                     2                            12/1/2006
        500822697               1.00E+17             Y                     2                            12/1/2006
        500761875               1.00E+17             Y                     2                            12/1/2006
        500822729               1.00E+17             Y                     2                            12/1/2006
        500822767               1.00E+17             N                     2                            12/1/2006
        500822778               1.00E+17             Y                     2                            12/1/2006
        500822801               1.00E+17             Y                     1                            12/1/2006
        500822807               1.00E+17             Y                     2                            12/1/2006
        500823061               1.00E+17             Y                     2                            12/1/2006
        500823088               1.00E+17             Y                     1                            12/1/2006
        500823100               1.00E+17             N                     2                            12/1/2006
        500822890               1.00E+17             Y                     2                            12/1/2006
        500823178               1.00E+17             Y                     2                            12/1/2006
        500823180               1.00E+17             Y                     2                            12/1/2006
        500823289               1.00E+17             Y                     2                            12/1/2006
        500823287               1.00E+17             Y                     1                            12/1/2006
        500823321               1.00E+17             Y                     2                            12/1/2006
        500823358               1.00E+17             Y                     2                            12/1/2006
        500777026               1.00E+17             Y                     1                            12/1/2006
        500823376               1.00E+17             N                     1                            12/1/2006
        500823401               1.00E+17             Y                     2                            12/1/2006
        500823408               1.00E+17             N                     1                            12/1/2006
        500823457               1.00E+17             Y                     1                            12/1/2006
        500823179               1.00E+17             Y                     2                            12/1/2006
        500823535               1.00E+17             Y                     2                            12/1/2006
        500823590               1.00E+17             N                     2                            12/1/2006
        500823613               1.00E+17             Y                     2                            12/1/2006
        500823744               1.00E+17             Y                     2                            12/1/2006
        500823747               1.00E+17             Y                     2                            12/1/2006
        500823732               1.00E+17             Y                     2                            12/1/2006
        500823788               1.00E+17             N                     2                            12/1/2006
        500823800               1.00E+17             N                     2                            12/1/2006
        500823905               1.00E+17             Y                     2                            12/1/2006
        500824184               1.00E+17             Y                     1                            12/1/2006
        500824126               1.00E+17             N                     2                            12/1/2006
        500824256               1.00E+17             Y                     2                            12/1/2006
        500824270               1.00E+17             Y                     2                            12/1/2006
        500823687               1.00E+17             Y                     2                            12/1/2006
        500824351               1.00E+17             N                     1                            12/1/2006
        500816997               1.00E+17             Y                     2                            12/1/2006
        500824433               1.00E+17             Y                     1                            12/1/2006
        500824438               1.00E+17             Y                     2                            12/1/2006
        500824474               1.00E+17             Y                     2                            12/1/2006
        500824497               1.00E+17             Y                     2                            12/1/2006
        500824542               1.00E+17             Y                     2                            12/1/2006
        500824548               1.00E+17             Y                     1                            12/1/2006
        500824617               1.00E+17             Y                     2                            12/1/2006
        500824614               1.00E+17             N                     2                            12/1/2006
        500824775               1.00E+17             N                     1                            12/1/2006
        500803952               1.00E+17             Y                     1                            12/1/2006
        500775864               1.00E+17             N                     1                            12/1/2006
        500824968               1.00E+17             Y                     2                            12/1/2006
        500824972               1.00E+17             Y                     2                            12/1/2006
        500825030               1.00E+17             Y                     2                            12/1/2006
        500825090               1.00E+17             Y                     2                            12/1/2006
        500825101               1.00E+17             N                     2                            12/1/2006
        500825165               1.00E+17             N                     2                            12/1/2006
        500825194               1.00E+17             Y                     2                            12/1/2006
        500825290               1.00E+17             Y                     2                            12/1/2006
        500825456               1.00E+17             Y                     2                            12/1/2006
        500825507               1.00E+17             Y                     2                            12/1/2006
        500825512               1.00E+17             N                     2                            12/1/2006
        500825609               1.00E+17             N                     1                            12/1/2006
        500825620               1.00E+17             Y                     2                            12/1/2006
        500816484               1.00E+17             Y                     2                            12/1/2006
        500825691               1.00E+17             N                     2                            12/1/2006
        500825858               1.00E+17             N                     2                            12/1/2006
        500794236               1.00E+17             Y                     2                            12/1/2006
        500814632               1.00E+17             Y                     2                            12/1/2006
        500825741               1.00E+17             N                     1                            12/1/2006
        500825934               1.00E+17             Y                     2                            12/1/2006
        500825939               1.00E+17             N                     2                            12/1/2006
        500825973               1.00E+17             N                     2                            12/1/2006
        500825977               1.00E+17             N                     2                            12/1/2006
        500826000               1.00E+17             Y                     2                            12/1/2006
        500826011               1.00E+17             Y                     2                            12/1/2006
        500826039               1.00E+17             N                     2                            12/1/2006
        500826051               1.00E+17             N                     2                            12/1/2006
        500826064               1.00E+17             Y                     2                            12/1/2006
        500826097               1.00E+17             Y                     2                            12/1/2006
        500826057               1.00E+17             Y                     2                            12/1/2006
        500826172               1.00E+17             Y                     2                            12/1/2006
        500826222               1.00E+17             N                     2                            12/1/2006
        500826249               1.00E+17             Y                     2                            12/1/2006
        500826266               1.00E+17             Y                     2                            12/1/2006
        500826270               1.00E+17             Y                     2                            12/1/2006
        500824643               1.00E+17             Y                     2                            12/1/2006
        500826424               1.00E+17             Y                     2                            12/1/2006
        500826482               1.00E+17             N                     1                            12/1/2006
        500826483               1.00E+17             Y                     2                            12/1/2006
        500826484               1.00E+17             N                     2                            12/1/2006
        500826485               1.00E+17             N                     2                            12/1/2006
        500826486               1.00E+17             Y                     2                            12/1/2006
        500826489               1.00E+17             Y                     2                            12/1/2006
        500826491               1.00E+17             N                     2                            12/1/2006
        500826493               1.00E+17             Y                     2                            12/1/2006
        500826496               1.00E+17             Y                     1                            12/1/2006
        500826498               1.00E+17             N                     2                            12/1/2006
        500826531               1.00E+17             Y                     2                            12/1/2006
        500826532               1.00E+17             N                     2                            12/1/2006
        500826551               1.00E+17             Y                     1                            12/1/2006
        500826560               1.00E+17             N                     2                            12/1/2006
        500826609               1.00E+17             Y                     2                            12/1/2006
        500826613               1.00E+17             Y                     1                            12/1/2006
        500826614               1.00E+17             Y                     2                            12/1/2006
        500826618               1.00E+17             Y                     2                            12/1/2006
        500826616               1.00E+17             Y                     2                            12/1/2006
        500826625               1.00E+17             N                     2                            12/1/2006
        500797448               1.00E+17             Y                     2                            12/1/2006
        500826753               1.00E+17             Y                     2                            12/1/2006
        500817360               1.00E+17             Y                     2                            12/1/2006
        500826791               1.00E+17             N                     1                            12/1/2006
        500826799               1.00E+17             Y                     2                            12/1/2006
        500826829               1.00E+17             N                     2                            12/1/2006
        500826856               1.00E+17             N                     2                            12/1/2006
        500826858               1.00E+17             Y                     2                            12/1/2006
        500826811               1.00E+17             Y                     2                            12/1/2006
        500826894               1.00E+17             Y                     2                            12/1/2006
        500826913               1.00E+17             Y                     1                            12/1/2006
        500826777               1.00E+17             Y                     2                            12/1/2006
        500819217               1.00E+17             Y                     2                            12/1/2006
        500827232               1.00E+17             N                     2                            12/1/2006
        500827212               1.00E+17             Y                     2                            12/1/2006
        500827273               1.00E+17             Y                     2                            12/1/2006
        500774322               1.00E+17             N                     1                            12/1/2006
        500802249               1.00E+17             Y                     1                            12/1/2006
        500797359               1.00E+17             N                     2                            12/1/2006
        500794074               1.00E+17             Y                     2                            12/1/2006
        500827318               1.00E+17             Y                     2                            12/1/2006
        500827137               1.00E+17             Y                     2                            12/1/2006
        500791970               1.00E+17             Y                     2                            12/1/2006
        500824664               1.00E+17             N                     1                            12/1/2006
        500827507               1.00E+17             Y                     2                            12/1/2006
        500827510               1.00E+17             Y                     1                            12/1/2006
        500827059               1.00E+17             Y                     2                            12/1/2006
        500827840               1.00E+17             Y                     2                            12/1/2006
        500827886               1.00E+17             Y                     1                            12/1/2006
        500827897               1.00E+17             Y                     2                            12/1/2006
        500827906               1.00E+17             N                     1                            12/1/2006
        500827931               1.00E+17             Y                     1                            12/1/2006
        500827953               1.00E+17             N                     1                            12/1/2006
        500827961               1.00E+17             Y                     2                            12/1/2006
        500827985               1.00E+17             N                     1                            12/1/2006
        500828091               1.00E+17             N                     2                            12/1/2006
        500828116               1.00E+17             N                     1                            12/1/2006
        500828092               1.00E+17             Y                     2                            12/1/2006
        500828150               1.00E+17             Y                     1                            12/1/2006
        500827167               1.00E+17             Y                     1                            12/1/2006
        500828334               1.00E+17             Y                     2                            12/1/2006
        500828472               1.00E+17             Y                     2                            12/1/2006
        500828475               1.00E+17             N                     1                            12/1/2006
        500828478               1.00E+17             Y                     2                            12/1/2006
        500828524               1.00E+17             Y                     2                            12/1/2006
        500828926               1.00E+17             Y                     2                            12/1/2006
        500819717               1.00E+17             Y                     1                            12/1/2006
        500828943               1.00E+17             Y                     1                            12/1/2006
        500828964               1.00E+17             N                     1                            12/1/2006
        500829132               1.00E+17             N                     2                            12/1/2006
        500829210               1.00E+17             Y                     2                            12/1/2006
        500829255               1.00E+17             N                     1                            12/1/2006
        500829301               1.00E+17             N                     1                            12/1/2006
        500829336               1.00E+17             N                     1                            12/1/2006
        500829338               1.00E+17             Y                     2                            12/1/2006
        500829354               1.00E+17             Y                     1                            12/1/2006
        500829420               1.00E+17             Y                     2                            12/1/2006
        500829472               1.00E+17             Y                     2                            12/1/2006
        500793380               1.00E+17             N                     1                            12/1/2006
        500829564               1.00E+17             Y                     1                            12/1/2006
        500829622               1.00E+17             Y                     1                            12/1/2006
        500829643               1.00E+17             Y                     2                            12/1/2006
        500829650               1.00E+17             N                     2                            12/1/2006
        500829660               1.00E+17             Y                     2                            12/1/2006
        500829676               1.00E+17             N                     1                            12/1/2006
        500829674               1.00E+17             N                     2                            12/1/2006
        500829678               1.00E+17             N                     1                            12/1/2006
        500829713               1.00E+17             Y                     2                            12/1/2006
        500829719               1.00E+17             Y                     2                            12/1/2006
        500829720               1.00E+17             Y                     2                            12/1/2006
        500829721               1.00E+17             Y                     1                            12/1/2006
        500829733               1.00E+17             Y                     2                            12/1/2006
        500829795               1.00E+17             N                     2                            12/1/2006
        500829796               1.00E+17             N                     2                            12/1/2006
        500829801               1.00E+17             Y                     2                            12/1/2006
        500829802               1.00E+17             Y                     2                            12/1/2006
        500830070               1.00E+17             N                     2                            12/1/2006
        500830085               1.00E+17             N                     2                            12/1/2006
        500830233               1.00E+17             Y                     2                            12/1/2006
        500830296               1.00E+17             Y                     2                            12/1/2006
        500830308               1.00E+17             Y                     1                            12/1/2006
        500830325               1.00E+17             Y                     2                            12/1/2006
        500830330               1.00E+17             Y                     2                            12/1/2006
        500830547               1.00E+17             N                     2                            12/1/2006
        500830575               1.00E+17             Y                     2                            12/1/2006
        500830613               1.00E+17             Y                     2                            12/1/2006
        500830616               1.00E+17             N                     2                            12/1/2006
        500830648               1.00E+17             N                     2                            12/1/2006
        500830904               1.00E+17             Y                     2                            12/1/2006
        500830898               1.00E+17             N                     1                            12/1/2006
        500830948               1.00E+17             Y                     2                            12/1/2006
        500830951               1.00E+17             Y                     2                            12/1/2006
        500831043               1.00E+17             Y                     2                            12/1/2006
        500805710               1.00E+17             N                     2                            12/1/2006
        500831115               1.00E+17             Y                     2                            12/1/2006
        500831120               1.00E+17             Y                     2                            12/1/2006
        500831257               1.00E+17             N                     2                            12/1/2006
        500831298               1.00E+17             Y                     2                            12/1/2006
        500831381               1.00E+17             Y                     1                            12/1/2006
        500831410               1.00E+17             Y                     2                            12/1/2006
        500831433               1.00E+17             Y                     1                            12/1/2006
        500792851               1.00E+17             N                     2                            12/1/2006
        500831486               1.00E+17             Y                     2                            12/1/2006
        500811315               1.00E+17             Y                     2                            12/1/2006
        500826002               1.00E+17             Y                     2                            12/1/2006
        500831665               1.00E+17             N                     2                            12/1/2006
        500831699               1.00E+17             Y                     2                            12/1/2006
        500831726               1.00E+17             Y                     2                            12/1/2006
        500803625               1.00E+17             Y                     2                            12/1/2006
        500831851               1.00E+17             N                     2                            12/1/2006
        500831865               1.00E+17             N                     1                            12/1/2006
        500831870               1.00E+17             Y                     2                            12/1/2006
        500831894               1.00E+17             Y                     2                            12/1/2006
        500831902               1.00E+17             Y                     2                            12/1/2006
        500831907               1.00E+17             Y                     2                            12/1/2006
        500831908               1.00E+17             Y                     2                            12/1/2006
        500831909               1.00E+17             N                     2                            12/1/2006
        500831946               1.00E+17             Y                     2                            12/1/2006
        500832076               1.00E+17             Y                     2                            12/1/2006
        500832226               1.00E+17             N                     2                            12/1/2006
        500832227               1.00E+17             N                     2                            12/1/2006
        500832244               1.00E+17             Y                     2                            12/1/2006
        500832446               1.00E+17             Y                     2                            12/1/2006
        500832644               1.00E+17             N                     2                            12/1/2006
        500832661               1.00E+17             Y                     2                            12/1/2006
        500832672               1.00E+17             N                     2                            12/1/2006
        500832696               1.00E+17             N                     2                            12/1/2006
        500832733               1.00E+17             N                     1                            12/1/2006
        500832760               1.00E+17             N                     1                            12/1/2006
        500826047               1.00E+17             Y                     1                            12/1/2006
        500832822               1.00E+17             Y                     1                            12/1/2006
        500832825               1.00E+17             Y                     2                            12/1/2006
        500826003               1.00E+17             Y                     1                            12/1/2006
        500816387               1.00E+17             Y                     2                            12/1/2006
        500833111               1.00E+17             Y                     2                            12/1/2006
        500797406               1.00E+17             Y                     2                            12/1/2006
        500833140               1.00E+17             Y                     2                            12/1/2006
        500833175               1.00E+17             Y                     2                            12/1/2006
        500833199               1.00E+17             Y                     2                            12/1/2006
        500833254               1.00E+17             Y                     2                            12/1/2006
        500822118               1.00E+17             Y                     2                            12/1/2006
        500833386               1.00E+17             Y                     2                            12/1/2006
        500833404               1.00E+17             Y                     2                            12/1/2006
        500833415               1.00E+17             Y                     2                            12/1/2006
        500833374               1.00E+17             Y                     2                            12/1/2006
        500831467               1.00E+17             Y                     2                            12/1/2006
        500833043               1.00E+17             N                     2                            12/1/2006
        500833463               1.00E+17             Y                     2                            12/1/2006
        500833479               1.00E+17             N                     2                            12/1/2006
        500833618               1.00E+17             Y                     2                            12/1/2006
        500833623               1.00E+17             Y                     2                            12/1/2006
        500833730               1.00E+17             Y                     2                            12/1/2006
        500833791               1.00E+17             Y                     2                            12/1/2006
        500833820               1.00E+17             N                     1                            12/1/2006
        500833863               1.00E+17             Y                     2                            12/1/2006
        500833861               1.00E+17             Y                     2                            12/1/2006
        500833865               1.00E+17             Y                     2                            12/1/2006
        500833918               1.00E+17             Y                     2                            12/1/2006
        500833922               1.00E+17             Y                     2                            12/1/2006
        500834083               1.00E+17             Y                     2                            12/1/2006
        500834168               1.00E+17             Y                     2                            12/1/2006
        500834171               1.00E+17             Y                     2                            12/1/2006
        500806344               1.00E+17             Y                     2                            12/1/2006
        500833902               1.00E+17             Y                     2                            12/1/2006
        500834278               1.00E+17             N                     1                            12/1/2006
        500834271               1.00E+17             Y                     2                            12/1/2006
        500834310               1.00E+17             N                     2                            12/1/2006
        500834329               1.00E+17             Y                     2                            12/1/2006
        500834454               1.00E+17             Y                     1                            12/1/2006
        500834459               1.00E+17             Y                     2                            12/1/2006
        500834637               1.00E+17             Y                     2                            12/1/2006
        500834522               1.00E+17             Y                     2                            12/1/2006
        500834674               1.00E+17             Y                     2                            12/1/2006
        500834864               1.00E+17             Y                     2                            12/1/2006
        500834898               1.00E+17             Y                     1                            12/1/2006
        500834900               1.00E+17             Y                     2                            12/1/2006
        500834919               1.00E+17             Y                     2                            12/1/2006
        500835105               1.00E+17             Y                     2                            12/1/2006
        500801997               1.00E+17             Y                     2                            12/1/2006
        500835164               1.00E+17             Y                     1                            12/1/2006
        500835198               1.00E+17             Y                     2                            12/1/2006
        500835203               1.00E+17             Y                     2                            12/1/2006
        500835276               1.00E+17             Y                     2                            12/1/2006
        500835316               1.00E+17             Y                     2                            12/1/2006
        500784487               1.00E+17             N                     2                            12/1/2006
        500835482               1.00E+17             Y                     2                            12/1/2006
        500835516               1.00E+17             Y                     2                            12/1/2006
        500835542               1.00E+17             Y                     2                            12/1/2006
        500835598               1.00E+17             Y                     2                            12/1/2006
        500835601               1.00E+17             N                     1                            12/1/2006
        500835609               1.00E+17             N                     1                            12/1/2006
        500835635               1.00E+17             Y                     2                            12/1/2006
        500835681               1.00E+17             Y                     1                            12/1/2006
        500835701               1.00E+17             Y                     2                            12/1/2006
        500835559               1.00E+17             N                     2                            12/1/2006
        500835642               1.00E+17             Y                     2                            12/1/2006
        500835787               1.00E+17             Y                     2                            12/1/2006
        500835860               1.00E+17             Y                     2                            12/1/2006
        500835901               1.00E+17             Y                     2                            12/1/2006
        500834547               1.00E+17             Y                     2                            12/1/2006
        500836069               1.00E+17             N                     1                            12/1/2006
        500836099               1.00E+17             N                     2                            12/1/2006
        500836197               1.00E+17             Y                     2                            12/1/2006
        500836227               1.00E+17             Y                     1                            12/1/2006
        500799257               1.00E+17             Y                     2                            12/1/2006
        500836307               1.00E+17             Y                     2                            12/1/2006
        500836332               1.00E+17             Y                     2                            12/1/2006
        500836537               1.00E+17             Y                     2                            12/1/2006
        500836543               1.00E+17             Y                     2                            12/1/2006
        500836631               1.00E+17             N                     2                            12/1/2006
        500825132               1.00E+17             N                     1                            12/1/2006
        500836846               1.00E+17             Y                     2                            12/1/2006
        500836969               1.00E+17             Y                     2                            12/1/2006
        500836999               1.00E+17             Y                     2                            12/1/2006
        500837022               1.00E+17             Y                     2                            12/1/2006
        500834730               1.00E+17             Y                     2                            12/1/2006
        500837056               1.00E+17             Y                     2                            12/1/2006
        500837080               1.00E+17             Y                     1                            12/1/2006
        500837099               1.00E+17             Y                     1                            12/1/2006
        500837152               1.00E+17             N                     1                            12/1/2006
        500837180               1.00E+17             Y                     2                            12/1/2006
        500837193               1.00E+17             N                     1                            12/1/2006
        500837199               1.00E+17             Y                     2                            12/1/2006
        500837217               1.00E+17             N                     1                            12/1/2006
        500837282               1.00E+17             Y                     2                            12/1/2006
        500837334               1.00E+17             Y                     2                            12/1/2006
        500837341               1.00E+17             Y                     2                            12/1/2006
        500836565               1.00E+17             Y                     2                            12/1/2006
        500837351               1.00E+17             Y                     2                            12/1/2006
        500837358               1.00E+17             N                     1                            12/1/2006
        500836718               1.00E+17             Y                     2                            12/1/2006
        500837344               1.00E+17             Y                     1                            12/1/2006
        500837335               1.00E+17             Y                     2                            12/1/2006
        500836210               1.00E+17             Y                     2                            12/1/2006
        500837436               1.00E+17             N                     2                            12/1/2006
        500837533               1.00E+17             Y                     2                            12/1/2006
        500837535               1.00E+17             N                     2                            12/1/2006
        500837536               1.00E+17             Y                     2                            12/1/2006
        500837585               1.00E+17             N                     1                            12/1/2006
        500837598               1.00E+17             N                     2                            12/1/2006
        500837614               1.00E+17             Y                     2                            12/1/2006
        500780444               1.00E+17             Y                     2                            12/1/2006
        500837656               1.00E+17             N                     2                            12/1/2006
        500835555               1.00E+17             Y                     2                            12/1/2006
        500837696               1.00E+17             Y                     2                            12/1/2006
        500837881               1.00E+17             Y                     2                            12/1/2006
        500729341               1.00E+17             N                     2                            12/1/2006
        500837956               1.00E+17             Y                     2                            12/1/2006
        500838076               1.00E+17             Y                     2                            12/1/2006
        500838132               1.00E+17             N                     2                            12/1/2006
        500838155               1.00E+17             N                     2                            12/1/2006
        500838195               1.00E+17             N                     2                            12/1/2006
        500838223               1.00E+17             Y                     2                            12/1/2006
        500838244               1.00E+17             Y                     2                            12/1/2006
        500838250               1.00E+17             Y                     1                            12/1/2006
        500838368               1.00E+17             Y                     2                            12/1/2006
        500838370               1.00E+17             N                     2                            12/1/2006
        500838473               1.00E+17             Y                     2                            12/1/2006
        500838486               1.00E+17             Y                     1                            12/1/2006
        500838498               1.00E+17             N                     2                            12/1/2006
        500838554               1.00E+17             N                     2                            12/1/2006
        500838594               1.00E+17             Y                     2                            12/1/2006
        500838416               1.00E+17             Y                     2                            12/1/2006
        500838826               1.00E+17             N                     2                            12/1/2006
        500838858               1.00E+17             Y                     2                            12/1/2006
        500838917               1.00E+17             Y                     1                            12/1/2006
        500838922               1.00E+17             Y                     2                            12/1/2006
        500838969               1.00E+17             Y                     2                            12/1/2006
        500838994               1.00E+17             N                     2                            12/1/2006
        500833561               1.00E+17             N                     2                            12/1/2006
        500838660               1.00E+17             Y                     2                            12/1/2006
        500839883               1.00E+17             N                     2                            12/1/2006
        500807086               1.00E+17             Y                     2                            12/1/2006
        500812080               1.00E+17             Y                     2                            12/1/2006
        500839929               1.00E+17             Y                     2                            12/1/2006
        500776059               1.00E+17             N                     1                            12/1/2006
        500841687               1.00E+17             Y                     2                            12/1/2006
        500842800               1.00E+17             Y                     2                            12/1/2006
        500843206               1.00E+17             Y                     1                            12/1/2006
        500843208               1.00E+17             Y                     1                            12/1/2006
        500843263               1.00E+17             Y                     2                            12/1/2006
        500843321               1.00E+17             Y                     2                            12/1/2006
        500843644               1.00E+17             Y                     2                            12/1/2006
        500844002               1.00E+17             N                     1                            12/1/2006
        500844335               1.00E+17             Y                     2                            12/1/2006
        500844599               1.00E+17             Y                     2                            12/1/2006
        500844609               1.00E+17             Y                     1                            12/1/2006
        500839911               1.00E+17             Y                     2                            12/1/2006
        500844550               1.00E+17             Y                     1                            12/1/2006
        500844771               1.00E+17             Y                     2                            12/1/2006
        500844844               1.00E+17             Y                     2                            12/1/2006
        500844998               1.00E+17             Y                     2                            12/1/2006
        500845002               1.00E+17             Y                     2                            12/1/2006
        500845123               1.00E+17             Y                     2                            12/1/2006
        500845119               1.00E+17             Y                     2                            12/1/2006
        500845326               1.00E+17             N                     2                            12/1/2006
        500845595               1.00E+17             Y                     1                            12/1/2006
        500838753               1.00E+17             Y                     2                            12/1/2006
        500845641               1.00E+17             N                     2                            12/1/2006
        500845593               1.00E+17             Y                     2                            12/1/2006
        500845721               1.00E+17             Y                     2                            12/1/2006
        500845746               1.00E+17             Y                     2                            12/1/2006
        500845758               1.00E+17             Y                     2                            12/1/2006
        500839917               1.00E+17             Y                     2                            12/1/2006
        500845810               1.00E+17             Y                     2                            12/1/2006
        500845815               1.00E+17             Y                     2                            12/1/2006
        500845822               1.00E+17             Y                     2                            12/1/2006
        500845853               1.00E+17             Y                     2                            12/1/2006
        500835751               1.00E+17             Y                     2                            12/1/2006
        500846256               1.00E+17             Y                     2                            12/1/2006
        500847505               1.00E+17             N                     2                            12/1/2006
        500847437               1.00E+17             Y                     2                            12/1/2006
        500847513               1.00E+17             N                     2                            12/1/2006
        500818840               1.00E+17             N                     1                            12/1/2006
        500847614               1.00E+17             N                     2                            12/1/2006
        500847660               1.00E+17             Y                     2                            12/1/2006
        500847667               1.00E+17             Y                     2                            12/1/2006
        500847733               1.00E+17             Y                     2                            12/1/2006
        500847744               1.00E+17             N                     2                            12/1/2006
        500847758               1.00E+17             N                     2                            12/1/2006
        500847763               1.00E+17             Y                     1                            12/1/2006
        500847827               1.00E+17             Y                     1                            12/1/2006
        500847845               1.00E+17             N                     2                            12/1/2006
        500847855               1.00E+17             Y                     2                            12/1/2006
        500847938               1.00E+17             Y                     2                            12/1/2006
        500847978               1.00E+17             Y                     2                            12/1/2006
        500848053               1.00E+17             Y                     2                            12/1/2006
        500848253               1.00E+17             Y                     2                            12/1/2006
        500848264               1.00E+17             N                     1                            12/1/2006
        500848289               1.00E+17             N                     2                            12/1/2006
        500811111               1.00E+17             N                     2                            12/1/2006
        500848302               1.00E+17             Y                     2                            12/1/2006
        500848317               1.00E+17             Y                     1                            12/1/2006
        500848379               1.00E+17             Y                     2                            12/1/2006
        500848404               1.00E+17             N                     2                            12/1/2006
        500848450               1.00E+17             N                     1                            12/1/2006
        500848456               1.00E+17             N                     2                            12/1/2006
        500848406               1.00E+17             Y                     2                            12/1/2006
        500848480               1.00E+17             Y                     2                            12/1/2006
        500848713               1.00E+17             N                     2                            12/1/2006
        500848700               1.00E+17             N                     1                            12/1/2006
        500838239               1.00E+17             Y                     2                            12/1/2006
        500848853               1.00E+17             Y                     2                            12/1/2006
        500848871               1.00E+17             Y                     2                            12/1/2006
        500848883               1.00E+17             Y                     1                            12/1/2006
        500848900               1.00E+17             Y                     2                            12/1/2006
        500848927               1.00E+17             Y                     2                            12/1/2006
        500849015               1.00E+17             Y                     2                            12/1/2006
        500845943               1.00E+17             Y                     2                            12/1/2006
        500849083               1.00E+17             N                     2                            12/1/2006
        500849114               1.00E+17             Y                     2                            12/1/2006
        500849108               1.00E+17             Y                     2                            12/1/2006
        500847433               1.00E+17             Y                     2                            12/1/2006
        500849161               1.00E+17             Y                     2                            12/1/2006
        500849182               1.00E+17             N                     2                            12/1/2006
        500849233               1.00E+17             Y                     2                            12/1/2006
        500849255               1.00E+17             Y                     2                            12/1/2006
        500807263               1.00E+17             Y                     1                            12/1/2006
        500742299               1.00E+17             Y                     1                            12/1/2006
        500849293               1.00E+17             Y                     2                            12/1/2006
        500849367               1.00E+17             Y                     1                            12/1/2006
        500821813               1.00E+17             Y                     2                            12/1/2006
        500805611               1.00E+17             Y                     1                            12/1/2006
        500834996               1.00E+17             Y                     2                            12/1/2006
        500849663               1.00E+17             Y                     2                            12/1/2006
        500849672               1.00E+17             Y                     2                            12/1/2006
        500849678               1.00E+17             Y                     2                            12/1/2006
        500849683               1.00E+17             Y                     2                            12/1/2006
        500849708               1.00E+17             Y                     2                            12/1/2006
        500849802               1.00E+17             Y                     2                            12/1/2006
        500849806               1.00E+17             N                     2                            12/1/2006
        500849859               1.00E+17             Y                     1                            12/1/2006
        500849774               1.00E+17             Y                     1                            12/1/2006
        500849876               1.00E+17             N                     1                            12/1/2006
        500849921               1.00E+17             Y                     2                            12/1/2006
        500850055               1.00E+17             N                     2                            12/1/2006
        500850065               1.00E+17             Y                     2                            12/1/2006
        500850080               1.00E+17             Y                     2                            12/1/2006
        500828557               1.00E+17             N                     2                            12/1/2006
        500850122               1.00E+17             Y                     2                            12/1/2006
        500818202               1.00E+17             N                     2                            12/1/2006
        500850121               1.00E+17             Y                     2                            12/1/2006
        500813861               1.00E+17             Y                     2                            12/1/2006
        500850176               1.00E+17             Y                     2                            12/1/2006
        500850198               1.00E+17             Y                     2                            12/1/2006
        500850253               1.00E+17             Y                     2                            12/1/2006
        500850281               1.00E+17             N                     2                            12/1/2006
        500850416               1.00E+17             N                     2                            12/1/2006
        500850468               1.00E+17             Y                     2                            12/1/2006
        500850478               1.00E+17             Y                     1                            12/1/2006
        500850526               1.00E+17             Y                     2                            12/1/2006
        500850537               1.00E+17             N                     2                            12/1/2006
        500850574               1.00E+17             Y                     2                            12/1/2006
        500850603               1.00E+17             Y                     2                            12/1/2006
        500850554               1.00E+17             Y                     2                            12/1/2006
        500796864               1.00E+17             Y                     2                            12/1/2006
        500850736               1.00E+17             N                     2                            12/1/2006
        500850777               1.00E+17             Y                     2                            12/1/2006
        500850781               1.00E+17             Y                     2                            12/1/2006
        500850790               1.00E+17             Y                     2                            12/1/2006
        500850817               1.00E+17             Y                     2                            12/1/2006
        500850841               1.00E+17             Y                     2                            12/1/2006
        500850861               1.00E+17             Y                     2                            12/1/2006
        500850901               1.00E+17             Y                     2                            12/1/2006
        500850134               1.00E+17             N                     2                            12/1/2006
        500851007               1.00E+17             Y                     2                            12/1/2006
        500851016               1.00E+17             N                     2                            12/1/2006
        500851017               1.00E+17             Y                     1                            12/1/2006
        500851108               1.00E+17             Y                     2                            12/1/2006
        500851142               1.00E+17             Y                     2                            12/1/2006
        500851145               1.00E+17             N                     2                            12/1/2006
        500851193               1.00E+17             N                     2                            12/1/2006
        500820768               1.00E+17             Y                     2                            12/1/2006
        500837095               1.00E+17             Y                     2                            12/1/2006
        500851302               1.00E+17             Y                     2                            12/1/2006
        500802253               1.00E+17             Y                     2                            12/1/2006
        500851318               1.00E+17             Y                     2                            12/1/2006
        500851458               1.00E+17             Y                     2                            12/1/2006
        500851508               1.00E+17             Y                     2                            12/1/2006
        500851526               1.00E+17             N                     2                            12/1/2006
        500851563               1.00E+17             Y                     2                            12/1/2006
        500851541               1.00E+17             Y                     2                            12/1/2006
        500851300               1.00E+17             N                     1                            12/1/2006
        500851611               1.00E+17             Y                     2                            12/1/2006
        500851641               1.00E+17             Y                     2                            12/1/2006
        500851663               1.00E+17             Y                     2                            12/1/2006
        500851717               1.00E+17             Y                     1                            12/1/2006
        500851722               1.00E+17             Y                     2                            12/1/2006
        500851731               1.00E+17             Y                     2                            12/1/2006
        500851740               1.00E+17             Y                     2                            12/1/2006
        500851753               1.00E+17             Y                     1                            12/1/2006
        500851899               1.00E+17             Y                     2                            12/1/2006
        500851918               1.00E+17             Y                     2                            12/1/2006
        500837347               1.00E+17             Y                     2                            12/1/2006
        500814045               1.00E+17             Y                     2                            12/1/2006
        500851964               1.00E+17             N                     2                            12/1/2006
        500852006               1.00E+17             N                     2                            12/1/2006
        500852002               1.00E+17             Y                     1                            12/1/2006
        500852034               1.00E+17             Y                     1                            12/1/2006
        500852047               1.00E+17             Y                     1                            12/1/2006
        500852058               1.00E+17             N                     2                            12/1/2006
        500852108               1.00E+17             Y                     2                            12/1/2006
        500852114               1.00E+17             Y                     2                            12/1/2006
        500852118               1.00E+17             Y                     2                            12/1/2006
        500852121               1.00E+17             Y                     2                            12/1/2006
        500852206               1.00E+17             N                     1                            12/1/2006
        500852217               1.00E+17             Y                     2                            12/1/2006
        500852249               1.00E+17             Y                     2                            12/1/2006
        500852273               1.00E+17             Y                     2                            12/1/2006
        500852286               1.00E+17             Y                     2                            12/1/2006
        500852448               1.00E+17             Y                     2                            12/1/2006
        500852470               1.00E+17             Y                     2                            12/1/2006
        500852261               1.00E+17             N                     2                            12/1/2006
        500852500               1.00E+17             Y                     2                            12/1/2006
        500850527               1.00E+17             Y                     2                            12/1/2006
        500852742               1.00E+17             Y                     2                            12/1/2006
        500852790               1.00E+17             N                     2                            12/1/2006
        500852826               1.00E+17             Y                     2                            12/1/2006
        500837455               1.00E+17             Y                     2                            12/1/2006
        500852838               1.00E+17             N                     2                            12/1/2006
        500852859               1.00E+17             N                     2                            12/1/2006
        500852862               1.00E+17             N                     2                            12/1/2006
        500852900               1.00E+17             N                     2                            12/1/2006
        500852922               1.00E+17             N                     2                            12/1/2006
        500822756               1.00E+17             Y                     1                            12/1/2006
        500809235               1.00E+17             Y                     2                            12/1/2006
        500853050               1.00E+17             N                     2                            12/1/2006
        500853011               1.00E+17             N                     2                            12/1/2006
        500849848               1.00E+17             Y                     2                            12/1/2006
        500853102               1.00E+17             N                     2                            12/1/2006
        500849241               1.00E+17             Y                     2                            12/1/2006
        500852496               1.00E+17             N                     2                            12/1/2006
        500850722               1.00E+17             N                     1                            12/1/2006
        500853173               1.00E+17             Y                     2                            12/1/2006
        500853179               1.00E+17             N                     2                            12/1/2006
        500853215               1.00E+17             Y                     2                            12/1/2006
        500853241               1.00E+17             N                     2                            12/1/2006
        500853265               1.00E+17             Y                     2                            12/1/2006
        500851984               1.00E+17             Y                     2                            12/1/2006
        500853385               1.00E+17             Y                     2                            12/1/2006
        500853466               1.00E+17             Y                     1                            12/1/2006
        500853495               1.00E+17             Y                     2                            12/1/2006
        500853524               1.00E+17             N                     2                            12/1/2006
        500853645               1.00E+17             Y                     2                            12/1/2006
        500848559               1.00E+17             Y                     1                            12/1/2006
        500853656               1.00E+17             Y                     1                            12/1/2006
        500848195               1.00E+17             Y                     2                            12/1/2006
        500853679               1.00E+17             N                     1                            12/1/2006
        500852546               1.00E+17             Y                     2                            12/1/2006
        500851269               1.00E+17             N                     2                            12/1/2006
        500834239               1.00E+17             Y                     2                            12/1/2006
        500853775               1.00E+17             Y                     1                            12/1/2006
        500853793               1.00E+17             Y                     2                            12/1/2006
        500854044               1.00E+17             Y                     2                            12/1/2006
        500826636               1.00E+17             Y                     2                            12/1/2006
        500853664               1.00E+17             N                     2                            12/1/2006
        500853789               1.00E+17             N                     1                            12/1/2006
        500854283               1.00E+17             Y                     2                            12/1/2006
        500794423               1.00E+17             N                     2                            12/1/2006
        500854275               1.00E+17             Y                     2                            12/1/2006
        500854335               1.00E+17             Y                     2                            12/1/2006
        500854346               1.00E+17             Y                     2                            12/1/2006
        500854349               1.00E+17             N                     2                            12/1/2006
        500854352               1.00E+17             Y                     2                            12/1/2006
        500854355               1.00E+17             Y                     2                            12/1/2006
        500854361               1.00E+17             Y                     2                            12/1/2006
        500854364               1.00E+17             Y                     2                            12/1/2006
        500854366               1.00E+17             Y                     2                            12/1/2006
        500854371               1.00E+17             Y                     2                            12/1/2006
        500854372               1.00E+17             Y                     1                            12/1/2006
        500854377               1.00E+17             Y                     1                            12/1/2006
        500854380               1.00E+17             Y                     2                            12/1/2006
        500854382               1.00E+17             N                     2                            12/1/2006
        500854387               1.00E+17             Y                     2                            12/1/2006
        500854388               1.00E+17             Y                     2                            12/1/2006
        500854390               1.00E+17             Y                     2                            12/1/2006
        500854391               1.00E+17             Y                     1                            12/1/2006
        500854392               1.00E+17             Y                     2                            12/1/2006
        500854398               1.00E+17             N                     2                            12/1/2006
        500854402               1.00E+17             Y                     1                            12/1/2006
        500854409               1.00E+17             Y                     2                            12/1/2006
        500854410               1.00E+17             Y                     1                            12/1/2006
        500854413               1.00E+17             Y                     1                            12/1/2006
        500854416               1.00E+17             N                     2                            12/1/2006
        500854417               1.00E+17             N                     1                            12/1/2006
        500854420               1.00E+17             Y                     2                            12/1/2006
        500854421               1.00E+17             Y                     2                            12/1/2006
        500854424               1.00E+17             N                     1                            12/1/2006
        500854425               1.00E+17             Y                     2                            12/1/2006
        500854426               1.00E+17             Y                     2                            12/1/2006
        500854436               1.00E+17             Y                     1                            12/1/2006
        500854438               1.00E+17             Y                     2                            12/1/2006
        500854444               1.00E+17             N                     1                            12/1/2006
        500854453               1.00E+17             Y                     1                            12/1/2006
        500854455               1.00E+17             Y                     2                            12/1/2006
        500854461               1.00E+17             Y                     2                            12/1/2006
        500854467               1.00E+17             Y                     1                            12/1/2006
        500854473               1.00E+17             Y                     2                            12/1/2006
        500854479               1.00E+17             N                     2                            12/1/2006
        500854481               1.00E+17             Y                     2                            12/1/2006
        500854483               1.00E+17             Y                     2                            12/1/2006
        500854488               1.00E+17             Y                     1                            12/1/2006
        500854491               1.00E+17             Y                     2                            12/1/2006
        500854492               1.00E+17             Y                     1                            12/1/2006
        500854495               1.00E+17             Y                     2                            12/1/2006
        500854496               1.00E+17             Y                     2                            12/1/2006
        500854505               1.00E+17             Y                     2                            12/1/2006
        500854509               1.00E+17             Y                     2                            12/1/2006
        500854515               1.00E+17             Y                     2                            12/1/2006
        500854517               1.00E+17             Y                     2                            12/1/2006
        500854527               1.00E+17             Y                     2                            12/1/2006
        500854535               1.00E+17             Y                     1                            12/1/2006
        500854542               1.00E+17             Y                     2                            12/1/2006
        500854543               1.00E+17             N                     2                            12/1/2006
        500854545               1.00E+17             Y                     2                            12/1/2006
        500854709               1.00E+17             Y                     2                            12/1/2006
        500854881               1.00E+17             Y                     2                            12/1/2006
        500855254               1.00E+17             Y                     2                            12/1/2006
        500855276               1.00E+17             Y                     2                            12/1/2006
        500855320               1.00E+17             Y                     2                            12/1/2006
        500855336               1.00E+17             Y                     1                            12/1/2006
        500855351               1.00E+17             Y                     2                            12/1/2006
        500855366               1.00E+17             Y                     2                            12/1/2006
        500855406               1.00E+17             Y                     2                            12/1/2006
        500855414               1.00E+17             Y                     2                            12/1/2006
        500855461               1.00E+17             Y                     2                            12/1/2006
        500855458               1.00E+17             Y                     2                            12/1/2006
        500855467               1.00E+17             Y                     1                            12/1/2006
        500855502               1.00E+17             Y                     2                            12/1/2006
        500855301               1.00E+17             Y                     2                            12/1/2006
        500855545               1.00E+17             Y                     2                            12/1/2006
        500855571               1.00E+17             Y                     2                            12/1/2006
        500779955               1.00E+17             Y                     1                            12/1/2006
        500855659               1.00E+17             Y                     1                            12/1/2006
        500824622               1.00E+17             Y                     2                            12/1/2006
        500855719               1.00E+17             Y                     2                            12/1/2006
        500855775               1.00E+17             N                     2                            12/1/2006
        500855785               1.00E+17             Y                     2                            12/1/2006
        500816403               1.00E+17             N                     2                            12/1/2006
        500855944               1.00E+17             N                     2                            12/1/2006
        500845469               1.00E+17             Y                     2                            12/1/2006
        500856003               1.00E+17             N                     2                            12/1/2006
        500856033               1.00E+17             Y                     2                            12/1/2006
        500856034               1.00E+17             Y                     2                            12/1/2006
        500856052               1.00E+17             Y                     2                            12/1/2006
        500856089               1.00E+17             Y                     2                            12/1/2006
        500850115               1.00E+17             Y                     2                            12/1/2006
        500856243               1.00E+17             N                     2                            12/1/2006
        500856252               1.00E+17             N                     2                            12/1/2006
        500856287               1.00E+17             Y                     2                            12/1/2006
        500856259               1.00E+17             Y                     2                            12/1/2006
        500807276               1.00E+17             Y                     2                            12/1/2006
        500855412               1.00E+17             N                     2                            12/1/2006
        500856433               1.00E+17             Y                     1                            12/1/2006
        500784103               1.00E+17             N                     1                            12/1/2006
        500856547               1.00E+17             Y                     2                            12/1/2006
        500856570               1.00E+17             Y                     2                            12/1/2006
        500809259               1.00E+17             Y                     2                            12/1/2006
        500856576               1.00E+17             Y                     2                            12/1/2006
        500856643               1.00E+17             Y                     2                            12/1/2006
        500856645               1.00E+17             N                     2                            12/1/2006
        500856700               1.00E+17             Y                     2                            12/1/2006
        500856896               1.00E+17             Y                     2                            12/1/2006
        500856936               1.00E+17             N                     2                            12/1/2006
        500856985               1.00E+17             N                     2                            12/1/2006
        500856988               1.00E+17             N                     2                            12/1/2006
        500856990               1.00E+17             N                     2                            12/1/2006
        500857028               1.00E+17             N                     2                            12/1/2006
        500856786               1.00E+17             Y                     2                            12/1/2006
        500857067               1.00E+17             N                     1                            12/1/2006
        500835246               1.00E+17             N                     2                            12/1/2006
        500857027               1.00E+17             Y                     1                            12/1/2006
        500857088               1.00E+17             Y                     2                            12/1/2006
        500857094               1.00E+17             Y                     2                            12/1/2006
        500857106               1.00E+17             Y                     2                            12/1/2006
        500857129               1.00E+17             Y                     2                            12/1/2006
        500857165               1.00E+17             Y                     2                            12/1/2006
        500857205               1.00E+17             Y                     2                            12/1/2006
        500856853               1.00E+17             Y                     2                            12/1/2006
        500854317               1.00E+17             N                     2                            12/1/2006
        500857279               1.00E+17             Y                     2                            12/1/2006
        500857469               1.00E+17             N                     2                            12/1/2006
        500857487               1.00E+17             Y                     2                            12/1/2006
        500857490               1.00E+17             Y                     2                            12/1/2006
        500857542               1.00E+17             N                     2                            12/1/2006
        500857599               1.00E+17             Y                     2                            12/1/2006
        500857603               1.00E+17             Y                     2                            12/1/2006
        500857604               1.00E+17             Y                     2                            12/1/2006
        500857670               1.00E+17             Y                     2                            12/1/2006
        500816413               1.00E+17             Y                     2                            12/1/2006
        500816431               1.00E+17             Y                     2                            12/1/2006
        500857727               1.00E+17             N                     2                            12/1/2006
        500818035               1.00E+17             Y                     2                            12/1/2006
        500826595               1.00E+17             Y                     2                            12/1/2006
        500858123               1.00E+17             N                     2                            12/1/2006
        500858141               1.00E+17             N                     1                            12/1/2006
        500818438               1.00E+17             Y                     2                            12/1/2006
        500816442               1.00E+17             Y                     2                            12/1/2006
        500858213               1.00E+17             Y                     1                            12/1/2006
        500858355               1.00E+17             Y                     2                            12/1/2006
        500853602               1.00E+17             Y                     2                            12/1/2006
        500858387               1.00E+17             N                     1                            12/1/2006
        500858397               1.00E+17             N                     2                            12/1/2006
        500858434               1.00E+17             Y                     2                            12/1/2006
        500851990               1.00E+17             Y                     2                            12/1/2006
        500858664               1.00E+17             Y                     2                            12/1/2006
        500807550               1.00E+17             Y                     2                            12/1/2006
        500858690               1.00E+17             N                     1                            12/1/2006
        500858681               1.00E+17             N                     1                            12/1/2006
        500849553               1.00E+17             Y                     2                            12/1/2006
        500858943               1.00E+17             Y                     2                            12/1/2006
        500852021               1.00E+17             Y                     2                            12/1/2006
        500859139               1.00E+17             Y                     2                            12/1/2006
        500859329               1.00E+17             N                     1                            12/1/2006
        500859336               1.00E+17             Y                     2                            12/1/2006
        500821411               1.00E+17             N                     1                            12/1/2006
        500859483               1.00E+17             Y                     2                            12/1/2006
        500859519               1.00E+17             Y                     2                            12/1/2006
        500859497               1.00E+17             N                     1                            12/1/2006
        500859563               1.00E+17             Y                     2                            12/1/2006
        500859603               1.00E+17             Y                     2                            12/1/2006
        500859628               1.00E+17             Y                     2                            12/1/2006
        500859849               1.00E+17             Y                     1                            12/1/2006
        500859933               1.00E+17             Y                     2                            12/1/2006
        500859938               1.00E+17             Y                     2                            12/1/2006
        500812053               1.00E+17             Y                     1                            12/1/2006
        500859971               1.00E+17             Y                     2                            12/1/2006
        500860014               1.00E+17             Y                     1                            12/1/2006
        500860177               1.00E+17             Y                     1                            12/1/2006
        500860242               1.00E+17             Y                     1                            12/1/2006
        500860291               1.00E+17             Y                     1                            12/1/2006
        500860295               1.00E+17             Y                     1                            12/1/2006
        500860342               1.00E+17             N                     1                            12/1/2006
        500860430               1.00E+17             N                     2                            12/1/2006
        500860505               1.00E+17             Y                     2                            12/1/2006
        500812274               1.00E+17             Y                     2                            12/1/2006
        500828560               1.00E+17             Y                     2                            12/1/2006
        500860581               1.00E+17             Y                     2                            12/1/2006
        500860658               1.00E+17             Y                     2                            12/1/2006
        500860875          1000790-0000001677-8      Y                     1                            12/1/2006
        500855194               1.00E+17             Y                     1                            12/1/2006
        500860894               1.00E+17             N                     1                            12/1/2006
        500860937               1.00E+17             Y                     2                            12/1/2006
        500861059               1.00E+17             Y                     1                            12/1/2006
        500861062               1.00E+17             Y                     2                            12/1/2006
        500861285               1.00E+17             N                     2                            12/1/2006
        500809471               1.00E+17             Y                     2                            12/1/2006
        500837121               1.00E+17             Y                     1                            12/1/2006
        500861504               1.00E+17             N                     1                            12/1/2006
        500861778               1.00E+17             Y                     2                            12/1/2006
        500861835               1.00E+17             N                     2                            12/1/2006
        500860613               1.00E+17             N                     2                            12/1/2006
        500861968               1.00E+17             Y                     2                            12/1/2006
        500861972               1.00E+17             Y                     2                            12/1/2006
        500861979               1.00E+17             Y                     2                            12/1/2006
        500861982               1.00E+17             Y                     2                            12/1/2006
        500836560               1.00E+17             Y                     2                            12/1/2006
        500862374               1.00E+17             N                     2                            12/1/2006
        500862608               1.00E+17             Y                     2                            12/1/2006
        500862636               1.00E+17             Y                     2                            12/1/2006
        500862646               1.00E+17             Y                     1                            12/1/2006
        500824212               1.00E+17             N                     1                            12/1/2006
        500825028               1.00E+17             Y                     2                            12/1/2006
        500860960               1.00E+17             N                     2                            12/1/2006
        500858115               1.00E+17             Y                     1                            12/1/2006
        500862963               1.00E+17             N                     2                            12/1/2006
        500821783               1.00E+17             Y                     1                            12/1/2006
        500857070               1.00E+17             Y                     2                            12/1/2006
        500863545               1.00E+17             N                     2                            12/1/2006
        500863733               1.00E+17             Y                     2                            12/1/2006
        500863739               1.00E+17             Y                     2                            12/1/2006
        500863747               1.00E+17             Y                     2                            12/1/2006
        500863882               1.00E+17             N                     2                            12/1/2006
        500826311               1.00E+17             Y                     2                            12/1/2006
        500863990               1.00E+17             N                     1                            12/1/2006
        500864164               1.00E+17             Y                     2                            12/1/2006
        500864255               1.00E+17             Y                     2                            12/1/2006
        500864248               1.00E+17             Y                     2                            12/1/2006
        500864317               1.00E+17             Y                     2                            12/1/2006
        500864360               1.00E+17             Y                     2                            12/1/2006
        500864368               1.00E+17             Y                     2                            12/1/2006
        500849677               1.00E+17             Y                     1                            12/1/2006
        500864534               1.00E+17             Y                     1                            12/1/2006
        500802251               1.00E+17             Y                     2                            12/1/2006
        500848720               1.00E+17             Y                     1                            12/1/2006
        500864816               1.00E+17             Y                     2                            12/1/2006
        500862156               1.00E+17             Y                     2                            12/1/2006
        500864969               1.00E+17             Y                     1                            12/1/2006
        500864975               1.00E+17             Y                     2                            12/1/2006
        500864981               1.00E+17             N                     2                            12/1/2006
        500864982               1.00E+17             Y                     2                            12/1/2006
        500864989               1.00E+17             Y                     1                            12/1/2006
        500865004               1.00E+17             Y                     1                            12/1/2006
        500865009               1.00E+17             Y                     2                            12/1/2006
        500865010               1.00E+17             Y                     2                            12/1/2006
        500865014               1.00E+17             Y                     2                            12/1/2006
        500865015               1.00E+17             Y                     1                            12/1/2006
        500865018               1.00E+17             N                     2                            12/1/2006
        500865019               1.00E+17             N                     2                            12/1/2006
        500865020               1.00E+17             Y                     1                            12/1/2006
        500865032               1.00E+17             Y                     2                            12/1/2006
        500856596               1.00E+17             Y                     1                            12/1/2006
        500865252               1.00E+17             Y                     2                            12/1/2006
        500865313               1.00E+17             N                     2                            12/1/2006
        500865485               1.00E+17             Y                     2                            12/1/2006
        500865488               1.00E+17             Y                     2                            12/1/2006
        500855034               1.00E+17             Y                     1                            12/1/2006
        500827819               1.00E+17             Y                     1                            12/1/2006
        500868043               1.00E+17             N                     1                            12/1/2006
        500868299               1.00E+17             Y                     1                            12/1/2006
        500825675               1.00E+17             Y                     2                            12/1/2006
        500842354               1.00E+17             Y                     2                            12/1/2006
        500848874               1.00E+17             Y                     2                            12/1/2006
        500831463               1.00E+17             Y                     2                            12/1/2006
        500816281               1.00E+17             N                     2                            12/1/2006
        500871361               1.00E+17             Y                     2                            12/1/2006
        407338556                  0                 Y                     2                            12/1/2006
        408417698          # 100112065716888587      Y                     2                            12/1/2006
        408417699          # 100112065717470823      Y                     2                            12/1/2006
        408417700          # 100299300000601080      Y                     2                            12/1/2006
        408417701          # 100112065717762930      Y                     1                            12/1/2006
        408417704          # 100112065717858720      Y                     1                            12/1/2006
        408417705          # 100129010000048606      Y                     1                            12/1/2006
        408417706          # 100184620160214004      Y                     2                            12/1/2006
        408417711          # 100112065718380682      Y                     2                            12/1/2006
        408417713          # 100129010000050636      Y                     2                            12/1/2006
        408417714          # 100112065718687623      Y                     2                            12/1/2006
        408417724          # 100112065719169688      Y                     2                            12/1/2006
        408417725          # 100112065719250652      Y                     2                            12/1/2006
        408417728          # 100112065719466589      Y                     2                            12/1/2006
        408417731          # 100112065719489953      Y                     1                            12/1/2006
        408417732          # 100112065719494490      Y                     2                            12/1/2006
        408417735          # 100404400000039893      Y                     2                            12/1/2006
        408417736          # 100112065719577666      Y                     1                            12/1/2006
        408417737          # 100112065719582559      Y                     2                            12/1/2006
        408417738          # 100112065719591675      Y                     1                            12/1/2006
        408417743          # 100112065724892902      Y                     2                            12/1/2006
        408417746          # 100112065724979931      Y                     2                            12/1/2006
        408417748          # 100194801000103759      Y                     2                            12/1/2006
        408417751          # 100112065724987793      N                     2                            12/1/2006
        408417753          # 100112065724992652      Y                     2                            12/1/2006
        408417757          # 100112065725051524      Y                     2                            12/1/2006
        408417758          # 100112065725052787      Y                     2                            12/1/2006
        408417759          # 100112065725070672      Y                     2                            12/1/2006
        408417760          # 100112065725071662      Y                     1                            12/1/2006
        408417761          # 100112065725073544      Y                     2                            12/1/2006
        408417765          # 100112065725076927      Y                     2                            12/1/2006
        408417766          # 100112065725078717      Y                     2                            12/1/2006
        408417767          # 100194801000105523      Y                     2                            12/1/2006
        408417768          # 100112065725082842      Y                     2                            12/1/2006
        408417770          # 100112065725089730      Y                     2                            12/1/2006
        408417773          # 100112065725157909      Y                     2                            12/1/2006
        408417779          # 100112065725165530      Y                     2                            12/1/2006
        408417782          # 100112065725179846      Y                     2                            12/1/2006
        408417785          # 100112065725185876      Y                     2                            12/1/2006
        408417789          # 100112065725194803      Y                     2                            12/1/2006
        408417797          # 100112065725257881      Y                     1                            12/1/2006
        408417801          # 100112065725264606      Y                     2                            12/1/2006
        408417805          # 100112065725273771      Y                     2                            12/1/2006
        408417809          # 100112065725279810      Y                     2                            12/1/2006
        408417810          # 100112065725284752      Y                     2                            12/1/2006
        408417811          # 100112065725284877      Y                     2                            12/1/2006
        408417814          # 100112065725290783      Y                     2                            12/1/2006
        408417815          # 100112065725292680      Y                     1                            12/1/2006
        408417816          # 100112065725293621      Y                     2                            12/1/2006
        408417819          # 100112065725355792      Y                     2                            12/1/2006
        408417822          # 100112065725360867      Y                     2                            12/1/2006
        408417824          # 100112065725365684      Y                     2                            12/1/2006
        408417825          # 100112065725366492      Y                     2                            12/1/2006
        408417828          # 100112065725369777      Y                     2                            12/1/2006
        408417830          # 100112065725371773      Y                     2                            12/1/2006
        408417833          # 100112065725375519      Y                     2                            12/1/2006
        408417834          # 100112065725376608      Y                     1                            12/1/2006
        408417835          # 100112065725376947      Y                     2                            12/1/2006
        408417836          # 100112065725377804      Y                     2                            12/1/2006
        408417845          # 100112065725452714      Y                     1                            12/1/2006
        408417848          # 100112065725457754      Y                     2                            12/1/2006
        408417849          # 100112065725460527      Y                     2                            12/1/2006
        408417850          # 100112065725461897      Y                     2                            12/1/2006
        408417852          # 100112065725462887      Y                     2                            12/1/2006
        408417855          # 100112065725468553      Y                     2                            12/1/2006
        408417856          # 100112065725469809      Y                     2                            12/1/2006
        408417858          # 100112065725474767      Y                     2                            12/1/2006
        408417865          # 100112065725490789      Y                     1                            12/1/2006
        408417866          # 100112065725490821      Y                     2                            12/1/2006
        408417869          # 100112065725494823      Y                     2                            12/1/2006
        408417870          # 100112065725495648      Y                     2                            12/1/2006
        408417872          # 100112065725551838      Y                     2                            12/1/2006
        408417873          # 100112065725552828      Y                     1                            12/1/2006
        408417874          # 100112065725553560      Y                     2                            12/1/2006
        408417875          # 100112065725553727      Y                     1                            12/1/2006
        408417879          # 100112065725562785      Y                     2                            12/1/2006
        408417880          # 100112065725563817      Y                     2                            12/1/2006
        408417882          # 100112065725564682      Y                     2                            12/1/2006
        408417886          # 100112065725568725      Y                     2                            12/1/2006
        408417890          # 100112065725576751      Y                     2                            12/1/2006
        408417893          # 100183102000169897      Y                     2                            12/1/2006
        408417894          # 100112065725585893      N                     1                            12/1/2006
        408417895          # 100112065725588798      Y                     2                            12/1/2006
        408417899          # 100112065725594796      Y                     2                            12/1/2006
        408417900          # 100112065725595652      Y                     1                            12/1/2006
        408417901          # 100112065725595900      Y                     2                            12/1/2006
        408417905          # 100112065725654863      Y                     2                            12/1/2006
        408417909          # 100112065725658716      Y                     1                            12/1/2006
        408417910          # 100112065725658914      Y                     2                            12/1/2006
        408417911          # 100112065725659706      Y                     2                            12/1/2006
        408417912          # 100112065725660522      Y                     2                            12/1/2006
        408417916          # 100112065725670554      Y                     1                            12/1/2006
        408417917          # 100112065725671537      Y                     2                            12/1/2006
        408417918          # 100112065725671495      Y                     2                            12/1/2006
        408417921          # 100112065725673871      Y                     2                            12/1/2006
        408417922          # 100112065725675603      Y                     2                            12/1/2006
        408417925          # 100112065725678524      Y                     2                            12/1/2006
        408417929          # 100112065725679662      Y                     2                            12/1/2006
        408417933          # 100112065725681593      Y                     2                            12/1/2006
        408417938          # 100103210000138684      Y                     2                            12/1/2006
        408417940          # 100112065725690610      Y                     2                            12/1/2006
        408417941          # 100112065725691576      Y                     2                            12/1/2006
        408417947          # 100112065725695767      Y                     1                            12/1/2006
        408417953          # 100112065725752600      Y                     2                            12/1/2006
        408417955          # 100112065725752873      Y                     2                            12/1/2006
        408417959          # 100112065725758763      Y                     2                            12/1/2006
        408417962          # 100112065725762781      Y                     1                            12/1/2006
        408417963          # 100112065725762799      Y                     2                            12/1/2006
        408417973          # 100112065725770776      Y                     2                            12/1/2006
        408417974          # 100112065725770925      Y                     2                            12/1/2006
        408417977          # 100112065725772707      Y                     1                            12/1/2006
        408417979          # 100112065725775783      Y                     1                            12/1/2006
        408417980          # 100112065725778621      Y                     2                            12/1/2006
        408417982          # 100112065725781872      Y                     1                            12/1/2006
        408417986          # 100112065725784868      Y                     2                            12/1/2006
        408417987          # 100112065725785576      Y                     2                            12/1/2006
        408417990          # 100112065725786582      Y                     2                            12/1/2006
        408417998          # 100112065725850693      Y                     2                            12/1/2006
        408418006          # 100112065725871723      Y                     2                            12/1/2006
        408418011          # 100112065725880773      Y                     2                            12/1/2006
        408418014          # 100112065725887745      Y                     2                            12/1/2006
        408418016          # 100112065725889485      Y                     2                            12/1/2006
        408418017          # 100112065725889766      Y                     1                            12/1/2006
        408418024          # 100112065725951590      Y                     2                            12/1/2006
        408418025          # 100112065725952648      Y                     2                            12/1/2006
        408418026          # 100112065725954834      Y                     2                            12/1/2006
        408418027          # 100112065725957605      Y                     2                            12/1/2006
        408418028          # 100112065725958587      Y                     2                            12/1/2006
        408418030          # 100112065725961805      Y                     1                            12/1/2006
        408418033          # 100112065725964833      Y                     2                            12/1/2006
        408418039          # 100112065725979898      Y                     1                            12/1/2006
        408418041          # 100112065725985655      Y                     2                            12/1/2006
        408418044          # 100112065726049634      Y                     2                            12/1/2006
        408418045          # 100112065726049808      Y                     2                            12/1/2006
        408418046          # 100112065726052620      Y                     2                            12/1/2006
        408418050          # 100112065726067545      Y                     2                            12/1/2006
        408418051          # 100112065726068527      Y                     2                            12/1/2006
        408418053          # 100112065726069673      Y                     1                            12/1/2006
        408418056          # 100112065726077650      Y                     2                            12/1/2006
        408418060          # 100112065726086586      Y                     2                            12/1/2006
        408418066          # 100112065726173723      Y                     2                            12/1/2006
        408418067          # 100112065726175751      Y                     2                            12/1/2006
        408418068          # 100112065726181619      Y                     1                            12/1/2006
        408418071          # 100112065726195551      Y                     1                            12/1/2006
        408418073          # 100112065726258748      Y                     1                            12/1/2006
        408418077          # 100112065726381912      Y                     2                            12/1/2006
        408436615               1.00E+17             Y                     2                            12/1/2006
        408436616               1.00E+17             Y                     2                            12/1/2006
        408436618               1.00E+17             Y                     2                            12/1/2006
        408436619               1.00E+17             Y                     2                            12/1/2006
        408436625               1.00E+17             Y                     2                            12/1/2006
        408436627               1.00E+17             Y                     2                            12/1/2006
        408436631               1.00E+17             Y                     2                            12/1/2006
        408436633               1.00E+17             Y                     2                            12/1/2006
        408436634               1.00E+17             Y                     2                            12/1/2006
        408436635               1.00E+17             Y                     2                            12/1/2006
        408436637               1.00E+17             Y                     2                            12/1/2006
        408436640               1.00E+17             Y                     2                            12/1/2006
        408436647               1.00E+17             Y                     2                            12/1/2006
        408436650               1.00E+17             Y                     2                            12/1/2006
        408436652               1.00E+17             Y                     2                            12/1/2006
        408436654               1.00E+17             Y                     2                            12/1/2006
        408436655               1.00E+17             Y                     2                            12/1/2006
        408436658               1.00E+17             Y                     2                            12/1/2006
        408436659               1.00E+17             N                     2                            12/1/2006
        408436660               1.00E+17             N                     2                            12/1/2006
        408436661               1.00E+17             N                     2                            12/1/2006
        408436671               1.00E+17             Y                     2                            12/1/2006
        408436679               1.00E+17             Y                     1                            12/1/2006
        408436681               1.00E+17             Y                     2                            12/1/2006
        408436682               1.00E+17             Y                     2                            12/1/2006
        408436683               1.00E+17             Y                     2                            12/1/2006
        408436688               1.00E+17             Y                     2                            12/1/2006
        408436690               1.00E+17             Y                     2                            12/1/2006
        408436693               1.00E+17             Y                     2                            12/1/2006
        408436697               1.00E+17             Y                     2                            12/1/2006
        408436700               1.00E+17             Y                     2                            12/1/2006
        408436701               1.00E+17             Y                     2                            12/1/2006
        408436702               1.00E+17             Y                     2                            12/1/2006
        408436703               1.00E+17             Y                     2                            12/1/2006
        408436704               1.00E+17             Y                     2                            12/1/2006
        408436705               1.00E+17             Y                     2                            12/1/2006
        408436706               1.00E+17             Y                     2                            12/1/2006
        408436707               1.00E+17             Y                     2                            12/1/2006
        408436709               1.00E+17             Y                     2                            12/1/2006
        408436713               1.00E+17             Y                     2                            12/1/2006
        408436716               1.00E+17             Y                     2                            12/1/2006
        408436720               1.00E+17             Y                     1                            12/1/2006
        408436721               1.00E+17             Y                     2                            12/1/2006
        408436722               1.00E+17             N                     2                            12/1/2006
        408436723               1.00E+17             Y                     2                            12/1/2006
        408436725               1.00E+17             Y                     2                            12/1/2006
        408436726               1.00E+17             Y                     2                            12/1/2006
        408436731               1.00E+17             Y                     2                            12/1/2006
        408436732               1.00E+17             Y                     2                            12/1/2006
        408436738               1.00E+17             Y                     2                            12/1/2006
        408436739               1.00E+17             Y                     1                            12/1/2006
        408436740               1.00E+17             Y                     2                            12/1/2006
        408436744               1.00E+17             Y                     2                            12/1/2006
        408436745               1.00E+17             Y                     2                            12/1/2006
        408436750               1.00E+17             Y                     2                            12/1/2006
        408436751               1.00E+17             Y                     2                            12/1/2006
        408436754               1.00E+17             Y                     2                            12/1/2006
        408436764               1.00E+17             Y                     2                            12/1/2006
        408436765               1.00E+17             Y                     2                            12/1/2006
        408436769               1.00E+17             Y                     2                            12/1/2006
        408436771               1.00E+17             Y                     2                            12/1/2006
        408436772               1.00E+17             Y                     2                            12/1/2006
        408436788               1.00E+17             Y                     2                            12/1/2006
        408436789               1.00E+17             Y                     2                            12/1/2006
        408436794               1.00E+17             Y                     2                            12/1/2006
        408436796               1.00E+17             Y                     2                            12/1/2006
        408436797               1.00E+17             Y                     2                            12/1/2006
        408436799               1.00E+17             Y                     2                            12/1/2006
        408436801               1.00E+17             Y                     2                            12/1/2006
        408436802               1.00E+17             Y                     2                            12/1/2006
        408436806               1.00E+17             Y                     2                            12/1/2006
        408436809               1.00E+17             Y                     2                            12/1/2006
        408436810               1.00E+17             Y                     2                            12/1/2006
        408436818               1.00E+17             Y                     2                            12/1/2006
        408436820               1.00E+17             N                     2                            12/1/2006
        408436822               1.00E+17             Y                     2                            12/1/2006
        408436829               1.00E+17             N                     2                            12/1/2006
        408436837               1.00E+17             Y                     2                            12/1/2006
        408436838               1.00E+17             Y                     2                            12/1/2006
        408436839               1.00E+17             Y                     2                            12/1/2006
        408436843               1.00E+17             Y                     2                            12/1/2006
        408436846               1.00E+17             Y                     2                            12/1/2006
        408436849               1.00E+17             Y                     2                            12/1/2006
        408436851               1.00E+17             Y                     2                            12/1/2006
        408436852               1.00E+17             Y                     1                            12/1/2006
        408436857               1.00E+17             Y                     2                            12/1/2006
        408436858               1.00E+17             N                     2                            12/1/2006
        408436862               1.00E+17             Y                     2                            12/1/2006
        408436863               1.00E+17             Y                     2                            12/1/2006
        408436867               1.00E+17             Y                     2                            12/1/2006
        408436868               1.00E+17             Y                     2                            12/1/2006
        408436869               1.00E+17             Y                     2                            12/1/2006
        408436872               1.00E+17             Y                     2                            12/1/2006
        408436873               1.00E+17             Y                     1                            12/1/2006
        408436874               1.00E+17             Y                     2                            12/1/2006
        408436878               1.00E+17             N                     2                            12/1/2006
        408436880               1.00E+17             Y                     2                            12/1/2006
        408436882               1.00E+17             Y                     2                            12/1/2006
        408436889               1.00E+17             Y                     2                            12/1/2006
        408436900               1.00E+17             Y                     2                            12/1/2006
        408436901               1.00E+17             Y                     2                            12/1/2006
        408436910               1.00E+17             Y                     2                            12/1/2006
        408436914               1.00E+17             Y                     2                            12/1/2006
        408436920               1.00E+17             Y                     2                            12/1/2006
        408436923               1.00E+17             Y                     2                            12/1/2006
        408436924               1.00E+17             Y                     2                            12/1/2006
        408436929               1.00E+17             Y                     2                            12/1/2006
        408436930               1.00E+17             Y                     1                            12/1/2006
        408436933               1.00E+17             Y                     2                            12/1/2006
        408436934               1.00E+17             Y                     2                            12/1/2006
        408436940               1.00E+17             Y                     2                            12/1/2006
        408436948               1.00E+17             Y                     2                            12/1/2006
        408436950               1.00E+17             Y                     2                            12/1/2006
        408436951               1.00E+17             Y                     2                            12/1/2006
        408436954               1.00E+17             Y                     2                            12/1/2006
        408436957               1.00E+17             Y                     2                            12/1/2006
        408436958               1.00E+17             Y                     1                            12/1/2006
        408436960               1.00E+17             Y                     2                            12/1/2006
        408436967               1.00E+17             Y                     2                            12/1/2006
        408436968               1.00E+17             Y                     1                            12/1/2006
        408436971               1.00E+17             Y                     2                            12/1/2006
        408436974               1.00E+17             Y                     2                            12/1/2006
        408436975               1.00E+17             Y                     2                            12/1/2006
        408436976               1.00E+17             Y                     2                            12/1/2006
        408436978               1.00E+17             Y                     2                            12/1/2006
        408436981               1.00E+17             Y                     2                            12/1/2006
        408436983               1.00E+17             Y                     2                            12/1/2006
        408436984               1.00E+17             Y                     2                            12/1/2006
        408436988               1.00E+17             Y                     2                            12/1/2006
        408436990               1.00E+17             Y                     2                            12/1/2006
        408436991               1.00E+17             Y                     2                            12/1/2006
        408436993               1.00E+17             Y                     2                            12/1/2006
        408436997               1.00E+17             Y                     2                            12/1/2006
        408436999               1.00E+17             Y                     2                            12/1/2006
        408437002               1.00E+17             Y                     2                            12/1/2006
        408437003               1.00E+17             Y                     2                            12/1/2006
        408437004               1.00E+17             Y                     2                            12/1/2006
        408437005               1.00E+17             Y                     1                            12/1/2006
        408437008               1.00E+17             Y                     2                            12/1/2006
        408437014               1.00E+17             Y                     2                            12/1/2006
        408437015               1.00E+17             Y                     2                            12/1/2006
        408437016               1.00E+17             Y                     2                            12/1/2006
        408437017               1.00E+17             Y                     2                            12/1/2006
        408437019               1.00E+17             Y                     1                            12/1/2006
        408437020               1.00E+17             Y                     2                            12/1/2006
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        408437045               1.00E+17             Y                     2                            12/1/2006
        408437046               1.00E+17             Y                     2                            12/1/2006
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        408437069               1.00E+17             Y                     2                            12/1/2006
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        408509569               1.00E+17             Y                     2                            12/1/2006
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        408509591               1.00E+17             Y                     2                            12/1/2006
        408509593               1.00E+17             N                     1                            12/1/2006
        408509595               1.00E+17             Y                     2                            12/1/2006
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        408525599                  0                 Y                     2                            12/1/2006
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        408647999          1000327-0000290280-2      Y                     2                            12/1/2006
        408752090               1.00E+17             Y                     2                            12/1/2006
        408752091               1.00E+17             Y                     2                            12/1/2006
        408752094               1.00E+17             Y                     2                            12/1/2006
        408752096               1.00E+17             Y                     2                            12/1/2006
        408752097               1.00E+17             Y                     2                            12/1/2006
        408752098               1.00E+17             Y                     2                            12/1/2006
        408752099               1.00E+17             Y                     2                            12/1/2006
        408752100               1.00E+17             Y                     2                            12/1/2006
        408752101               1.00E+17             Y                     2                            12/1/2006
        408752103               1.00E+17             Y                     2                            12/1/2006
        408752104               1.00E+17             Y                     2                            12/1/2006
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        408752107               1.00E+17             Y                     2                            12/1/2006
        408752109               1.00E+17             Y                     2                            12/1/2006
        408752112               1.00E+17             N                     2                            12/1/2006
        408752113               1.00E+17             Y                     2                            12/1/2006
        408752115               1.00E+17             Y                     2                            12/1/2006
        408752116               1.00E+17             Y                     2                            12/1/2006
        408752117               1.00E+17             Y                     2                            12/1/2006
        408752118               1.00E+17             Y                     2                            12/1/2006
        408752122               1.00E+17             N                     2                            12/1/2006
        408752123               1.00E+17             Y                     2                            12/1/2006
        408752125               1.00E+17             Y                     2                            12/1/2006
        408752126               1.00E+17             Y                     2                            12/1/2006
        408770509               1.00E+17             Y                     2                            12/1/2006
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        408770514               1.00E+17             Y                     2                            12/1/2006
        408770515               1.00E+17             Y                     2                            12/1/2006
        408770516               1.00E+17             Y                     2                            12/1/2006
        408770520               1.00E+17             Y                     2                            12/1/2006
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        408770522               1.00E+17             Y                     2                            12/1/2006
        408770523               1.00E+17             Y                     2                            12/1/2006
        408770525               1.00E+17             Y                     2                            12/1/2006
        408770527               1.00E+17             N                     2                            12/1/2006
        408770529               1.00E+17             Y                     2                            12/1/2006
        408770530               1.00E+17             Y                     2                            12/1/2006
        408770531               1.00E+17             Y                     2                            12/1/2006
        408770532               1.00E+17             Y                     2                            12/1/2006
        408770533               1.00E+17             Y                     2                            12/1/2006
        408770534               1.00E+17             N                     2                            12/1/2006
        408770536               1.00E+17             Y                     2                            12/1/2006
        408770540               1.00E+17             Y                     1                            12/1/2006
        408770541               1.00E+17             Y                     2                            12/1/2006
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        408770546               1.00E+17             Y                     2                            12/1/2006
        408770549               1.00E+17             N                     2                            12/1/2006
        408770552               1.00E+17             Y                     2                            12/1/2006
        408770553               1.00E+17             N                     2                            12/1/2006
        408770554               1.00E+17             Y                     2                            12/1/2006
        408770556               1.00E+17             Y                     2                            12/1/2006
        408770557               1.00E+17             N                     2                            12/1/2006
        408771626               1.00E+17             Y                     2                            12/1/2006
        408771627               1.00E+17             N                     2                            12/1/2006
        408771628               1.00E+17             Y                     1                            12/1/2006
        408771629               1.00E+17             Y                     2                            12/1/2006
        408771630               1.00E+17             Y                     2                            12/1/2006
        408771631               1.00E+17             N                     2                            12/1/2006
        408771632               1.00E+17             Y                     1                            12/1/2006
        408771633               1.00E+17             Y                     2                            12/1/2006
        408771635               1.00E+17             Y                     2                            12/1/2006
        408771636               1.00E+17             Y                     2                            12/1/2006
        408771637               1.00E+17             N                     1                            12/1/2006
        408771638               1.00E+17             N                     2                            12/1/2006
        408771640               1.00E+17             Y                     2                            12/1/2006
        408771641               1.00E+17             Y                     2                            12/1/2006
        408771642               1.00E+17             Y                     2                            12/1/2006
        408771643               1.00E+17             N                     2                            12/1/2006
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        408771645               1.00E+17             Y                     2                            12/1/2006
        408771646               1.00E+17             Y                     2                            12/1/2006
        408771647               1.00E+17             Y                     2                            12/1/2006
        408771648               1.00E+17             Y                     1                            12/1/2006
        408771650               1.00E+17             Y                     2                            12/1/2006
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        408771652               1.00E+17             N                     2                            12/1/2006
        408771653               1.00E+17             N                     2                            12/1/2006
        408771654               1.00E+17             N                     1                            12/1/2006
        408771657               1.00E+17             Y                     2                            12/1/2006
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        408771659               1.00E+17             N                     2                            12/1/2006
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        408771662               1.00E+17             Y                     2                            12/1/2006
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        408785818               1.00E+17             Y                     2                            12/1/2006
        408785819               1.00E+17             Y                     2                            12/1/2006
        408785820               1.00E+17             Y                     2                            12/1/2006
        408785821               1.00E+17             Y                     2                            12/1/2006
        408785822               1.00E+17             Y                     2                            12/1/2006
        408785823               1.00E+17             N                     2                            12/1/2006
        408785824               1.00E+17             Y                     1                            12/1/2006
        408785826               1.00E+17             N                     2                            12/1/2006
        408785828               1.00E+17             Y                     2                            12/1/2006
        408785829               1.00E+17             Y                     2                            12/1/2006
        408785830               1.00E+17             Y                     2                            12/1/2006
        408785831               1.00E+17             Y                     1                            12/1/2006
        408785833               1.00E+17             N                     2                            12/1/2006
        408785835               1.00E+17             Y                     2                            12/1/2006
        408785836               1.00E+17             Y                     2                            12/1/2006
        408785837               1.00E+17             Y                     2                            12/1/2006
        408785839               1.00E+17             N                     2                            12/1/2006
        408785842               1.00E+17             Y                     2                            12/1/2006
        408785843               1.00E+17             Y                     2                            12/1/2006
        408785844               1.00E+17             Y                     1                            12/1/2006
        408785845               1.00E+17             Y                     2                            12/1/2006
        408785846               1.00E+17             N                     2                            12/1/2006
        408785847               1.00E+17             N                     2                            12/1/2006
        408785848               1.00E+17             Y                     2                            12/1/2006
        408785850               1.00E+17             Y                     2                            12/1/2006
        408785851               1.00E+17             N                     2                            12/1/2006
        408785852               1.00E+17             Y                     2                            12/1/2006
        408785853               1.00E+17             N                     2                            12/1/2006
        408785854               1.00E+17             Y                     1                            12/1/2006
        408785855               1.00E+17             Y                     2                            12/1/2006
        408785856               1.00E+17             Y                     2                            12/1/2006
        408785857               1.00E+17             Y                     2                            12/1/2006
        408785858               1.00E+17             Y                     2                            12/1/2006
        408785859               1.00E+17             Y                     2                            12/1/2006
        408785860               1.00E+17             Y                     1                            12/1/2006
        408785861               1.00E+17             Y                     2                            12/1/2006
        408785863               1.00E+17             Y                     2                            12/1/2006
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        408785866               1.00E+17             Y                     2                            12/1/2006
        408785867               1.00E+17             Y                     2                            12/1/2006
        408785869               1.00E+17             N                     2                            12/1/2006
        408785870               1.00E+17             Y                     2                            12/1/2006
        408785871               1.00E+17             Y                     1                            12/1/2006
        408785873               1.00E+17             Y                     2                            12/1/2006
        408785874               1.00E+17             Y                     2                            12/1/2006
        408785875               1.00E+17             Y                     2                            12/1/2006
        408785876               1.00E+17             Y                     2                            12/1/2006
        408785877               1.00E+17             N                     2                            12/1/2006
        408785878               1.00E+17             Y                     1                            12/1/2006
        408785879               1.00E+17             Y                     2                            12/1/2006
        408785880               1.00E+17             Y                     2                            12/1/2006
        408785882               1.00E+17             Y                     1                            12/1/2006
        408785883               1.00E+17             N                     1                            12/1/2006
        408785884               1.00E+17             Y                     2                            12/1/2006
        408785885               1.00E+17             Y                     2                            12/1/2006
        408785886               1.00E+17             Y                     2                            12/1/2006
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        408785889               1.00E+17             Y                     2                            12/1/2006
        408785890               1.00E+17             Y                     2                            12/1/2006
        408785891               1.00E+17             Y                     2                            12/1/2006
        408785893               1.00E+17             Y                     2                            12/1/2006
        408785894               1.00E+17             Y                     2                            12/1/2006
        408785897               1.00E+17             N                     1                            12/1/2006
        408785898               1.00E+17             Y                     2                            12/1/2006
        408785899               1.00E+17             Y                     2                            12/1/2006
        408785900               1.00E+17             N                     2                            12/1/2006
        408785902               1.00E+17             Y                     1                            12/1/2006
        408785903               1.00E+17             N                     2                            12/1/2006
        408785904               1.00E+17             Y                     2                            12/1/2006
        408785906               1.00E+17             Y                     2                            12/1/2006
        408785908               1.00E+17             N                     2                            12/1/2006
        408785910               1.00E+17             Y                     2                            12/1/2006
        408785911               1.00E+17             Y                     2                            12/1/2006
        408785912               1.00E+17             Y                     2                            12/1/2006
        408785913               1.00E+17             Y                     2                            12/1/2006
        408785914               1.00E+17             Y                     2                            12/1/2006
        408785915               1.00E+17             Y                     1                            12/1/2006
        408785917               1.00E+17             Y                     1                            12/1/2006
        408785919               1.00E+17             Y                     2                            12/1/2006
        408785921               1.00E+17             Y                     2                            12/1/2006
        408785923               1.00E+17             Y                     2                            12/1/2006
        408785924               1.00E+17             Y                     2                            12/1/2006
        408785925               1.00E+17             Y                     1                            12/1/2006
        408785928               1.00E+17             N                     1                            12/1/2006
        408785929               1.00E+17             Y                     2                            12/1/2006
        408785930               1.00E+17             Y                     2                            12/1/2006
        408785934               1.00E+17             N                     2                            12/1/2006
        408785935               1.00E+17             Y                     2                            12/1/2006
        408785936               1.00E+17             Y                     2                            12/1/2006
        408785937               1.00E+17             Y                     2                            12/1/2006
        408785938               1.00E+17             Y                     2                            12/1/2006
        408785940               1.00E+17             Y                     2                            12/1/2006
        408785941               1.00E+17             Y                     1                            12/1/2006
        408785942               1.00E+17             N                     2                            12/1/2006
        408785943               1.00E+17             N                     2                            12/1/2006
        408785944               1.00E+17             Y                     2                            12/1/2006
        408785945               1.00E+17             N                     2                            12/1/2006
        408785946               1.00E+17             Y                     1                            12/1/2006
        408785947               1.00E+17             N                     2                            12/1/2006
        408785948               1.00E+17             Y                     2                            12/1/2006
        408785950               1.00E+17             Y                     2                            12/1/2006
        408785951               1.00E+17             N                     2                            12/1/2006
        408785952               1.00E+17             Y                     2                            12/1/2006
        408785953               1.00E+17             Y                     2                            12/1/2006
        408785954               1.00E+17             Y                     2                            12/1/2006
        408785955               1.00E+17             Y                     2                            12/1/2006
        408785959               1.00E+17             N                     1                            12/1/2006
        408785960               1.00E+17             Y                     2                            12/1/2006
        408785961               1.00E+17             Y                     2                            12/1/2006
        408785962               1.00E+17             Y                     2                            12/1/2006
        408785963               1.00E+17             N                     1                            12/1/2006
        408785965               1.00E+17             Y                     1                            12/1/2006
        408785967               1.00E+17             Y                     2                            12/1/2006
        408785968               1.00E+17             Y                     1                            12/1/2006
        408785969               1.00E+17             N                     2                            12/1/2006
        408785971               1.00E+17             N                     1                            12/1/2006
        408785972               1.00E+17             Y                     2                            12/1/2006
        408785973               1.00E+17             Y                     2                            12/1/2006
        408785974               1.00E+17             Y                     2                            12/1/2006
        408785975               1.00E+17             Y                     2                            12/1/2006
        408785976               1.00E+17             Y                     2                            12/1/2006
        408785977               1.00E+17             Y                     2                            12/1/2006
        408785978               1.00E+17             Y                     2                            12/1/2006
        408785979               1.00E+17             Y                     2                            12/1/2006
        408785980               1.00E+17             Y                     1                            12/1/2006
        408785981               1.00E+17             Y                     1                            12/1/2006
        408785982               1.00E+17             N                     1                            12/1/2006
        408785983               1.00E+17             N                     2                            12/1/2006
        408785985               1.00E+17             N                     1                            12/1/2006
        408785986               1.00E+17             Y                     2                            12/1/2006
        408785987               1.00E+17             Y                     2                            12/1/2006
        408785988               1.00E+17             Y                     2                            12/1/2006
        408803655                  0                 Y                     2                            12/1/2006
        408803656                  0                 Y                     2                            12/1/2006
        408803657                  0                 Y                     1                            12/1/2006
        408803660                  0                 Y                     2                            12/1/2006
        408803662                  0                 Y                     2                            12/1/2006
        408803665                  0                 Y                     2                            12/1/2006
        408803666                  0                 Y                     2                            12/1/2006
        408803668                  0                 Y                     2                            12/1/2006
        408803675                  0                 Y                     2                            12/1/2006
        408803676                  0                 N                     2                            12/1/2006
        408803679                  0                 Y                     2                            12/1/2006
        408803683                  0                 Y                     2                            12/1/2006
        408803684                  0                 Y                     2                            12/1/2006
        408803689                  0                 Y                     2                            12/1/2006
        408803690                  0                 Y                     2                            12/1/2006
        408803691                  0                 Y                     2                            12/1/2006
        408803696                  0                 Y                     2                            12/1/2006
        408835049               1.00E+17             Y                     2                            12/1/2006
        408835051               1.00E+17             Y                     2                            12/1/2006
        408835052               1.00E+17             Y                     2                            12/1/2006
        408835053               1.00E+17             N                     1                            12/1/2006
        408835057               1.00E+17             N                     1                            12/1/2006
        408835059               1.00E+17             Y                     1                            12/1/2006
        408835062               1.00E+17             Y                     2                            12/1/2006
        408835064               1.00E+17             Y                     2                            12/1/2006
        408835065               1.00E+17             Y                     2                            12/1/2006
        408835067               1.00E+17             Y                     2                            12/1/2006
        408835070               1.00E+17             Y                     2                            12/1/2006
        408835071               1.00E+17             Y                     2                            12/1/2006
        408835072               1.00E+17             Y                     2                            12/1/2006
        408835074               1.00E+17             N                     2                            12/1/2006
        408852858                  0                 Y                     2                            12/1/2006
        408852862                  0                 Y                     1                            12/1/2006
        408861325               1.00E+17             Y                     2                            12/1/2006
        408861328               1.00E+17             Y                     1                            12/1/2006
        408861330               1.00E+17             Y                     2                            12/1/2006
        408861333               1.00E+17             Y                     1                            12/1/2006
        408861336               1.00E+17             Y                     2                            12/1/2006
        408861338               1.00E+17             Y                     2                            12/1/2006
        408862727               1.00E+17             Y                     2                            12/1/2006
        408862730               1.00E+17             Y                     2                            12/1/2006
        408862733               1.00E+17             Y                     2                            12/1/2006
        408862734               1.00E+17             Y                     2                            12/1/2006
        408862735               1.00E+17             Y                     2                            12/1/2006
        408862737               1.00E+17             Y                     1                            12/1/2006
        408862739               1.00E+17             Y                     2                            12/1/2006
        408862742               1.00E+17             Y                     2                            12/1/2006
        408862743               1.00E+17             Y                     1                            12/1/2006
        408862746               1.00E+17             Y                     2                            12/1/2006
        408862751               1.00E+17             Y                     2                            12/1/2006
        408862755               1.00E+17             Y                     2                            12/1/2006
        408862763               1.00E+17             Y                     1                            12/1/2006
        408862764               1.00E+17             Y                     2                            12/1/2006
        408862765               1.00E+17             Y                     2                            12/1/2006
        408862767               1.00E+17             Y                     2                            12/1/2006
        408862769               1.00E+17             N                     2                            12/1/2006
        408862772               1.00E+17             Y                     2                            12/1/2006
        408862773               1.00E+17             Y                     2                            12/1/2006
        408862776               1.00E+17             Y                     2                            12/1/2006
        408862786               1.00E+17             Y                     2                            12/1/2006
        408862788               1.00E+17             Y                     2                            12/1/2006
        408862789               1.00E+17             Y                     2                            12/1/2006
        408862791               1.00E+17             Y                     2                            12/1/2006
        408862792               1.00E+17             Y                     2                            12/1/2006
        408862794               1.00E+17             Y                     2                            12/1/2006
        408862795               1.00E+17             Y                     2                            12/1/2006
        408862796               1.00E+17             Y                     2                            12/1/2006
        408862799               1.00E+17             Y                     2                            12/1/2006
        408869588               1.00E+17             Y                     2                            12/1/2006
        408869590               1.00E+17             Y                     2                            12/1/2006
        408869593               1.00E+17             Y                     2                            12/1/2006
        408869606               1.00E+17             N                     2                            12/1/2006
        408869609               1.00E+17             Y                     2                            12/1/2006
        408869612               1.00E+17             Y                     1                            12/1/2006
        408869613               1.00E+17             Y                     2                            12/1/2006
        408869616               1.00E+17             Y                     2                            12/1/2006
        408869618               1.00E+17             N                     1                            12/1/2006
        408869619               1.00E+17             Y                     2                            12/1/2006
        408869621               1.00E+17             Y                     2                            12/1/2006
        408869622               1.00E+17             Y                     1                            12/1/2006
        408869623               1.00E+17             Y                     2                            12/1/2006
        408869624               1.00E+17             Y                     2                            12/1/2006
        408869625               1.00E+17             Y                     2                            12/1/2006
        408869629               1.00E+17             Y                     2                            12/1/2006
        408869632               1.00E+17             Y                     2                            12/1/2006
        408869633               1.00E+17             Y                     2                            12/1/2006
        408869634               1.00E+17             N                     2                            12/1/2006
        408869635               1.00E+17             N                     2                            12/1/2006
        408869641               1.00E+17             Y                     2                            12/1/2006
        408869643               1.00E+17             Y                     1                            12/1/2006
        408869647               1.00E+17             Y                     2                            12/1/2006
        408869648               1.00E+17             Y                     2                            12/1/2006
        408869652               1.00E+17             Y                     2                            12/1/2006
        408869653               1.00E+17             Y                     2                            12/1/2006
        408869654               1.00E+17             Y                     2                            12/1/2006
        408869656               1.00E+17             Y                     2                            12/1/2006
        408869657               1.00E+17             Y                     2                            12/1/2006
        408869658               1.00E+17             Y                     2                            12/1/2006
        408869659               1.00E+17             Y                     2                            12/1/2006
        408869662               1.00E+17             Y                     2                            12/1/2006
        408869663               1.00E+17             Y                     2                            12/1/2006
        408869666               1.00E+17             Y                     2                            12/1/2006
        408869667               1.00E+17             Y                     2                            12/1/2006
        408869668               1.00E+17             Y                     2                            12/1/2006
        408869670               1.00E+17             Y                     2                            12/1/2006
        408869672               1.00E+17             Y                     2                            12/1/2006
        408869674               1.00E+17             Y                     2                            12/1/2006
        408869675               1.00E+17             Y                     2                            12/1/2006
        408869678               1.00E+17             Y                     2                            12/1/2006
        408869680               1.00E+17             Y                     2                            12/1/2006
        408869681               1.00E+17             Y                     2                            12/1/2006
        408869683               1.00E+17             Y                     2                            12/1/2006
        408869687               1.00E+17             Y                     2                            12/1/2006
        408869689               1.00E+17             N                     2                            12/1/2006
        408869691               1.00E+17             Y                     2                            12/1/2006
        408869692               1.00E+17             Y                     2                            12/1/2006
        408869697               1.00E+17             Y                     2                            12/1/2006
        408869698               1.00E+17             Y                     2                            12/1/2006
        408869699               1.00E+17             Y                     2                            12/1/2006
        408871397               1.00E+17             Y                     2                            12/1/2006
        408871398               1.00E+17             Y                     2                            12/1/2006
        408871399               1.00E+17             Y                     1                            12/1/2006
        408871400               1.00E+17             Y                     2                            12/1/2006
        408871401               1.00E+17             Y                     2                            12/1/2006
        408871402               1.00E+17             Y                     2                            12/1/2006
        408871403               1.00E+17             Y                     2                            12/1/2006
        408871405               1.00E+17             Y                     1                            12/1/2006
        408871406               1.00E+17             Y                     2                            12/1/2006
        408871408               1.00E+17             Y                     2                            12/1/2006
        408871409               1.00E+17             Y                     2                            12/1/2006
        408871410               1.00E+17             Y                     2                            12/1/2006
        408871411               1.00E+17             Y                     2                            12/1/2006
        408871412               1.00E+17             Y                     2                            12/1/2006
        408871414               1.00E+17             Y                     2                            12/1/2006
        408871415               1.00E+17             Y                     2                            12/1/2006
        408871417               1.00E+17             Y                     2                            12/1/2006
        408877540               1.00E+17             Y                     2                            12/1/2006
        408896711               1.00E+17             Y                     2                            12/1/2006
        408904527               1.00E+17             Y                     2                            12/1/2006
        408904532               1.00E+17             Y                     2                            12/1/2006
        408904537               1.00E+17             Y                     2                            12/1/2006
        408904539               1.00E+17             Y                     2                            12/1/2006
        408904541               1.00E+17             Y                     2                            12/1/2006
        408904544               1.00E+17             Y                     2                            12/1/2006
        408904545               1.00E+17             Y                     2                            12/1/2006
        408940757               1.00E+17             Y                     2                            12/1/2006
        408940758               1.00E+17             Y                     2                            12/1/2006
        408940759               1.00E+17             Y                     1                            12/1/2006
        408940760               1.00E+17             N                     2                            12/1/2006
        408940762               1.00E+17             Y                     2                            12/1/2006
        408940763               1.00E+17             Y                     1                            12/1/2006
        408940764               1.00E+17             Y                     2                            12/1/2006
        408940765                  0                 Y                     2                            12/1/2006
        408940766               1.00E+17             Y                     1                            12/1/2006
        408940769               1.00E+17             Y                     1                            12/1/2006
        408940770               1.00E+17             N                     2                            12/1/2006
        408940774               1.00E+17             Y                     2                            12/1/2006
        408940775               1.00E+17             Y                     2                            12/1/2006
        408940776               1.00E+17             Y                     2                            12/1/2006
        408940777               1.00E+17             Y                     2                            12/1/2006
        408940779               1.00E+17             Y                     2                            12/1/2006
        408940782               1.00E+17             Y                     2                            12/1/2006
        408940783               1.00E+17             Y                     2                            12/1/2006
        408940784               1.00E+17             Y                     2                            12/1/2006
        408940785               1.00E+17             Y                     2                            12/1/2006
        408949239                  0                 Y                     2                            12/1/2006
        408949242                  0                 Y                     1                            12/1/2006
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        408949245                  0                 Y                     2                            12/1/2006
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        408949248                  0                 Y                     1                            12/1/2006
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        408949250                  0                 Y                     2                            12/1/2006
        408949252                  0                 Y                     2                            12/1/2006
        408949253                  0                 Y                     1                            12/1/2006
        408949254                  0                 Y                     1                            12/1/2006
        408949256                  0                 Y                     1                            12/1/2006
        408949257                  0                 N                     1                            12/1/2006
        408949258                  0                 Y                     1                            12/1/2006
        408949259                  0                 Y                     1                            12/1/2006
        408949260                  0                 Y                     2                            12/1/2006
        408949261                  0                 Y                     2                            12/1/2006
        408949262                  0                 N                     2                            12/1/2006
        408949263                  0                 Y                     1                            12/1/2006
        408949264                  0                 Y                     1                            12/1/2006
        408949265                  0                 Y                     1                            12/1/2006
        408949267                  0                 Y                     2                            12/1/2006
        408949268                  0                 Y                     2                            12/1/2006
        408949269                  0                 Y                     2                            12/1/2006
        408949270                  0                 N                     1                            12/1/2006
        408949271                  0                 Y                     2                            12/1/2006
        408949273                  0                 Y                     2                            12/1/2006
        408949274                  0                 Y                     1                            12/1/2006
        408949275                  0                 Y                     1                            12/1/2006
        408949276                  0                 Y                     2                            12/1/2006
        408949277                  0                 Y                     1                            12/1/2006
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        408949280                  0                 Y                     2                            12/1/2006
        408949281                  0                 Y                     1                            12/1/2006
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        408949286                  0                 Y                     2                            12/1/2006
        408949288                  0                 Y                     1                            12/1/2006
        408949289                  0                 Y                     2                            12/1/2006
        408949291                  0                 Y                     1                            12/1/2006
        408949292                  0                 Y                     2                            12/1/2006
        408949294                  0                 Y                     2                            12/1/2006
        408949295                  0                 Y                     1                            12/1/2006
        408949296                  0                 Y                     1                            12/1/2006
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        408949298                  0                 Y                     2                            12/1/2006
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        408949300                  0                 Y                     2                            12/1/2006
        408949301                  0                 Y                     2                            12/1/2006
        408949302                  0                 Y                     2                            12/1/2006
        408949303                  0                 Y                     2                            12/1/2006
        408949304                  0                 Y                     2                            12/1/2006
        408949306                  0                 Y                     1                            12/1/2006
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        408949308                  0                 Y                     2                            12/1/2006
        408949309                  0                 Y                     1                            12/1/2006
        408949310                  0                 Y                     1                            12/1/2006
        408949311                  0                 Y                     1                            12/1/2006
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        408949317                  0                 Y                     2                            12/1/2006
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        408949320                  0                 Y                     2                            12/1/2006
        408949321                  0                 Y                     1                            12/1/2006
        408949323                  0                 Y                     2                            12/1/2006
        408949324                  0                 Y                     1                            12/1/2006
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        408949327                  0                 Y                     2                            12/1/2006
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        408949330                  0                 Y                     2                            12/1/2006
        408949332                  0                 Y                     1                            12/1/2006
        408955338               1.00E+17             N                     2                            12/1/2006
        408955345               1.00E+17             Y                     2                            12/1/2006
        408955350               1.00E+17             Y                     2                            12/1/2006
        408955352               1.00E+17             Y                     2                            12/1/2006
        408955353               1.00E+17             Y                     2                            12/1/2006
        408955355               1.00E+17             Y                     2                            12/1/2006
        408955357               1.00E+17             Y                     2                            12/1/2006
        408955358               1.00E+17             Y                     2                            12/1/2006
        408955359               1.00E+17             Y                     2                            12/1/2006
        408955360               1.00E+17             Y                     2                            12/1/2006
        408955362               1.00E+17             Y                     2                            12/1/2006
        408955363               1.00E+17             Y                     2                            12/1/2006
        408955364               1.00E+17             Y                     2                            12/1/2006
        408955365               1.00E+17             Y                     2                            12/1/2006
        408955368               1.00E+17             Y                     2                            12/1/2006
        408955369               1.00E+17             N                     2                            12/1/2006
        408955370               1.00E+17             Y                     2                            12/1/2006
        408955371               1.00E+17             Y                     2                            12/1/2006
        408955372               1.00E+17             Y                     2                            12/1/2006
        408955373               1.00E+17             Y                     2                            12/1/2006
        408955375               1.00E+17             N                     2                            12/1/2006
        408955376               1.00E+17             Y                     2                            12/1/2006
        408955378               1.00E+17             Y                     2                            12/1/2006
        408955379               1.00E+17             Y                     2                            12/1/2006
        408955382               1.00E+17             Y                     2                            12/1/2006
        408955383               1.00E+17             Y                     2                            12/1/2006
        408955384               1.00E+17             N                     1                            12/1/2006
        408978568               1.00E+17             Y                     2                            12/1/2006
        408978580               1.00E+17             Y                     2                            12/1/2006
        408978581               1.00E+17             Y                     2                            12/1/2006
        408978582               1.00E+17             Y                     1                            12/1/2006
        408978584               1.00E+17             Y                     2                            12/1/2006
        408978591               1.00E+17             Y                     2                            12/1/2006
        408978595               1.00E+17             Y                     2                            12/1/2006
        408978599               1.00E+17             Y                     2                            12/1/2006
        408978600               1.00E+17             Y                     2                            12/1/2006
        408978605               1.00E+17             Y                     2                            12/1/2006
        408978615               1.00E+17             Y                     2                            12/1/2006
        408978617               1.00E+17             Y                     2                            12/1/2006
        408978618               1.00E+17             Y                     2                            12/1/2006
        408978619               1.00E+17             Y                     1                            12/1/2006
        408978623               1.00E+17             Y                     1                            12/1/2006
        408978624               1.00E+17             Y                     2                            12/1/2006
        408978625               1.00E+17             Y                     2                            12/1/2006
        408978628               1.00E+17             Y                     2                            12/1/2006
        408978629               1.00E+17             Y                     2                            12/1/2006
        408978632               1.00E+17             Y                     1                            12/1/2006
        408978634               1.00E+17             Y                     2                            12/1/2006
        408978635               1.00E+17             Y                     1                            12/1/2006
        408978637               1.00E+17             Y                     2                            12/1/2006
        408978643               1.00E+17             Y                     2                            12/1/2006
        408978648               1.00E+17             Y                     2                            12/1/2006
        408978650               1.00E+17             Y                     2                            12/1/2006
        408978651               1.00E+17             Y                     2                            12/1/2006
        408978652               1.00E+17             Y                     2                            12/1/2006
        408978653               1.00E+17             Y                     2                            12/1/2006
        408978657               1.00E+17             Y                     2                            12/1/2006
        408978666               1.00E+17             Y                     2                            12/1/2006
        408978669               1.00E+17             Y                     2                            12/1/2006
        408978670               1.00E+17             Y                     2                            12/1/2006
        408978672               1.00E+17             Y                     2                            12/1/2006
        408978680               1.00E+17             Y                     2                            12/1/2006
        408978682               1.00E+17             Y                     2                            12/1/2006
        408978683               1.00E+17             Y                     2                            12/1/2006
        408978690               1.00E+17             Y                     2                            12/1/2006
        408978692               1.00E+17             Y                     2                            12/1/2006
        408978694               1.00E+17             Y                     2                            12/1/2006
        408978695               1.00E+17             Y                     2                            12/1/2006
        408978697               1.00E+17             Y                     2                            12/1/2006
        408978699               1.00E+17             Y                     2                            12/1/2006
        408978700               1.00E+17             Y                     1                            12/1/2006
        408978702               1.00E+17             Y                     2                            12/1/2006
        408978706               1.00E+17             Y                     1                            12/1/2006
        408978708               1.00E+17             Y                     2                            12/1/2006
        408978711               1.00E+17             Y                     2                            12/1/2006
        408978713               1.00E+17             Y                     2                            12/1/2006
        408978716               1.00E+17             N                     2                            12/1/2006
        408978718               1.00E+17             Y                     1                            12/1/2006
        408978719               1.00E+17             Y                     2                            12/1/2006
        408978720               1.00E+17             Y                     2                            12/1/2006
        408978721               1.00E+17             Y                     2                            12/1/2006
        408978722               1.00E+17             Y                     2                            12/1/2006
        408978724               1.00E+17             Y                     2                            12/1/2006
        408978725               1.00E+17             Y                     1                            12/1/2006
        408978726               1.00E+17             Y                     2                            12/1/2006
        408978731               1.00E+17             Y                     2                            12/1/2006
        408978732               1.00E+17             Y                     2                            12/1/2006
        408978733               1.00E+17             Y                     2                            12/1/2006
        408978734               1.00E+17             Y                     1                            12/1/2006
        408978735               1.00E+17             Y                     2                            12/1/2006
        408978738               1.00E+17             Y                     2                            12/1/2006
        408978739               1.00E+17             Y                     2                            12/1/2006
        408978740               1.00E+17             N                     1                            12/1/2006
        408978741               1.00E+17             Y                     1                            12/1/2006
        408978743               1.00E+17             Y                     1                            12/1/2006
        408978747               1.00E+17             Y                     2                            12/1/2006
        408978749               1.00E+17             Y                     2                            12/1/2006
        408978750               1.00E+17             Y                     1                            12/1/2006
        408978757               1.00E+17             Y                     2                            12/1/2006
        408978758               1.00E+17             Y                     2                            12/1/2006
        408978760               1.00E+17             Y                     2                            12/1/2006
        408978761               1.00E+17             Y                     2                            12/1/2006
        408978762               1.00E+17             Y                     2                            12/1/2006
        408978765               1.00E+17             Y                     2                            12/1/2006
        408978766               1.00E+17             Y                     2                            12/1/2006
        408978772               1.00E+17             Y                     2                            12/1/2006
        408978776               1.00E+17             Y                     2                            12/1/2006
        408978778               1.00E+17             Y                     2                            12/1/2006
        408978780               1.00E+17             Y                     2                            12/1/2006
        408978781               1.00E+17             Y                     2                            12/1/2006
        408978782               1.00E+17             Y                     2                            12/1/2006
        408978783               1.00E+17             Y                     2                            12/1/2006
        408978784               1.00E+17             Y                     2                            12/1/2006
        408978785               1.00E+17             Y                     2                            12/1/2006
        408978787               1.00E+17             Y                     1                            12/1/2006
        408978788               1.00E+17             Y                     1                            12/1/2006
        408978789               1.00E+17             Y                     2                            12/1/2006
        408978793               1.00E+17             Y                     1                            12/1/2006
        408978795               1.00E+17             Y                     2                            12/1/2006
        408978799               1.00E+17             Y                     2                            12/1/2006
        408978806               1.00E+17             Y                     2                            12/1/2006
        408978807               1.00E+17             Y                     1                            12/1/2006
        408978811               1.00E+17             Y                     2                            12/1/2006
        408978813               1.00E+17             Y                     2                            12/1/2006
        408978814               1.00E+17             Y                     2                            12/1/2006
        408978816               1.00E+17             Y                     2                            12/1/2006
        408978817               1.00E+17             Y                     2                            12/1/2006
        408978819               1.00E+17             Y                     2                            12/1/2006
        408978820               1.00E+17             Y                     1                            12/1/2006
        408978822               1.00E+17             Y                     2                            12/1/2006
        408978826               1.00E+17             Y                     2                            12/1/2006
        408978827               1.00E+17             Y                     2                            12/1/2006
        408978828               1.00E+17             Y                     2                            12/1/2006
        408978830               1.00E+17             Y                     2                            12/1/2006
        408978835               1.00E+17             Y                     2                            12/1/2006
        408978836               1.00E+17             Y                     2                            12/1/2006
        408978837               1.00E+17             Y                     2                            12/1/2006
        408978838               1.00E+17             Y                     2                            12/1/2006
        408978839               1.00E+17             Y                     2                            12/1/2006
        408978840               1.00E+17             Y                     2                            12/1/2006
        408978842               1.00E+17             Y                     2                            12/1/2006
        408978845               1.00E+17             Y                     2                            12/1/2006
        408978846               1.00E+17             Y                     2                            12/1/2006
        408978847               1.00E+17             Y                     1                            12/1/2006
        408978849               1.00E+17             Y                     2                            12/1/2006
        408978852               1.00E+17             Y                     2                            12/1/2006
        408978853               1.00E+17             Y                     2                            12/1/2006
        408978854               1.00E+17             Y                     2                            12/1/2006
        408978855               1.00E+17             Y                     2                            12/1/2006
        408978856               1.00E+17             Y                     2                            12/1/2006
        408978858               1.00E+17             Y                     2                            12/1/2006
        408978859               1.00E+17             Y                     2                            12/1/2006
        408978860               1.00E+17             Y                     2                            12/1/2006
        408978864               1.00E+17             Y                     2                            12/1/2006
        408978869               1.00E+17             Y                     2                            12/1/2006
        408978870               1.00E+17             Y                     2                            12/1/2006
        408978871               1.00E+17             Y                     2                            12/1/2006
        408978874               1.00E+17             Y                     2                            12/1/2006
        408978877               1.00E+17             Y                     2                            12/1/2006
        408978878               1.00E+17             Y                     2                            12/1/2006
        408978879               1.00E+17             Y                     2                            12/1/2006
        408978892               1.00E+17             Y                     2                            12/1/2006
        408978897               1.00E+17             Y                     1                            12/1/2006
        408978901               1.00E+17             Y                     2                            12/1/2006
        408978902               1.00E+17             Y                     2                            12/1/2006
        408978903               1.00E+17             Y                     2                            12/1/2006
        408978908               1.00E+17             Y                     2                            12/1/2006
        408978909               1.00E+17             Y                     1                            12/1/2006
        408978910               1.00E+17             Y                     2                            12/1/2006
        408978912               1.00E+17             Y                     1                            12/1/2006
        408978913               1.00E+17             Y                     2                            12/1/2006
        408978914               1.00E+17             Y                     2                            12/1/2006
        408978915               1.00E+17             Y                     1                            12/1/2006
        408978916               1.00E+17             Y                     2                            12/1/2006
        408978919               1.00E+17             Y                     2                            12/1/2006
        408978920               1.00E+17             Y                     2                            12/1/2006
        408978922               1.00E+17             Y                     2                            12/1/2006
        408978924               1.00E+17             N                     2                            12/1/2006
        408978925               1.00E+17             Y                     2                            12/1/2006
        408978926               1.00E+17             Y                     2                            12/1/2006
        408978927               1.00E+17             Y                     2                            12/1/2006
        408978928               1.00E+17             Y                     2                            12/1/2006
        408978931               1.00E+17             Y                     1                            12/1/2006
        408978932               1.00E+17             Y                     2                            12/1/2006
        408978933               1.00E+17             Y                     2                            12/1/2006
        408978934               1.00E+17             Y                     2                            12/1/2006
        408978936               1.00E+17             Y                     2                            12/1/2006
        408978937               1.00E+17             Y                     2                            12/1/2006
        408978938               1.00E+17             Y                     1                            12/1/2006
        408978940               1.00E+17             Y                     1                            12/1/2006
        408978944               1.00E+17             Y                     2                            12/1/2006
        408978947               1.00E+17             Y                     2                            12/1/2006
        408978948               1.00E+17             Y                     2                            12/1/2006
        408978950               1.00E+17             Y                     2                            12/1/2006
        408978951               1.00E+17             Y                     2                            12/1/2006
        408978952               1.00E+17             Y                     2                            12/1/2006
        408978953               1.00E+17             Y                     2                            12/1/2006
        408978955               1.00E+17             Y                     2                            12/1/2006
        408978956               1.00E+17             Y                     2                            12/1/2006
        408978957               1.00E+17             Y                     1                            12/1/2006
        408978960               1.00E+17             Y                     2                            12/1/2006
        408978963               1.00E+17             Y                     1                            12/1/2006
        408978966               1.00E+17             Y                     2                            12/1/2006
        408978972               1.00E+17             Y                     2                            12/1/2006
        408978973               1.00E+17             Y                     2                            12/1/2006
        408978974               1.00E+17             Y                     2                            12/1/2006
        408978975               1.00E+17             N                     2                            12/1/2006
        408978976               1.00E+17             Y                     2                            12/1/2006
        408978978               1.00E+17             Y                     2                            12/1/2006
        408978979               1.00E+17             Y                     2                            12/1/2006
        408978980               1.00E+17             Y                     2                            12/1/2006
        408978984               1.00E+17             Y                     2                            12/1/2006
        408978985               1.00E+17             Y                     2                            12/1/2006
        408978986               1.00E+17             Y                     2                            12/1/2006
        408978987               1.00E+17             Y                     2                            12/1/2006
        408978988               1.00E+17             N                     1                            12/1/2006
        408978989               1.00E+17             Y                     2                            12/1/2006
        408978990               1.00E+17             Y                     2                            12/1/2006
        408978995               1.00E+17             Y                     2                            12/1/2006
        408978996               1.00E+17             Y                     2                            12/1/2006
        408978998               1.00E+17             Y                     2                            12/1/2006
        408978999               1.00E+17             N                     2                            12/1/2006
        408979007               1.00E+17             Y                     2                            12/1/2006
        408979009               1.00E+17             Y                     2                            12/1/2006
        408979011               1.00E+17             Y                     2                            12/1/2006
        408979012               1.00E+17             N                     2                            12/1/2006
        408979013               1.00E+17             Y                     2                            12/1/2006
        408979014               1.00E+17             Y                     2                            12/1/2006
        408979015               1.00E+17             N                     2                            12/1/2006
        408979017               1.00E+17             Y                     2                            12/1/2006
        408979018               1.00E+17             Y                     2                            12/1/2006
        408979019               1.00E+17             Y                     2                            12/1/2006
        408979023               1.00E+17             Y                     2                            12/1/2006
        408979027               1.00E+17             Y                     2                            12/1/2006
        408979029               1.00E+17             Y                     1                            12/1/2006
        408979031               1.00E+17             Y                     2                            12/1/2006
        408979035               1.00E+17             Y                     2                            12/1/2006
        408979036               1.00E+17             Y                     1                            12/1/2006
        408979038               1.00E+17             Y                     2                            12/1/2006
        408979041               1.00E+17             Y                     2                            12/1/2006
        408979048               1.00E+17             Y                     2                            12/1/2006
        408979051               1.00E+17             Y                     2                            12/1/2006
        408979052               1.00E+17             Y                     2                            12/1/2006
        408979055               1.00E+17             Y                     2                            12/1/2006
        408979061               1.00E+17             Y                     2                            12/1/2006
        408979063               1.00E+17             Y                     2                            12/1/2006
        408979066               1.00E+17             Y                     1                            12/1/2006
        408979069               1.00E+17             Y                     2                            12/1/2006
        408979070               1.00E+17             Y                     2                            12/1/2006
        408979071               1.00E+17             Y                     2                            12/1/2006
        408979077               1.00E+17             Y                     1                            12/1/2006
        408979078               1.00E+17             Y                     1                            12/1/2006
        408979081               1.00E+17             Y                     1                            12/1/2006
        408979086               1.00E+17             Y                     2                            12/1/2006
        408979087               1.00E+17             Y                     2                            12/1/2006
        408979090               1.00E+17             Y                     2                            12/1/2006
        408979092               1.00E+17             N                     1                            12/1/2006
        408979093               1.00E+17             Y                     2                            12/1/2006
        408979095               1.00E+17             Y                     1                            12/1/2006
        408979096               1.00E+17             Y                     1                            12/1/2006
        408979097               1.00E+17             Y                     2                            12/1/2006
        408979098               1.00E+17             Y                     2                            12/1/2006
        408979102               1.00E+17             Y                     1                            12/1/2006
        408979106               1.00E+17             Y                     2                            12/1/2006
        408979107               1.00E+17             Y                     2                            12/1/2006
        408979108               1.00E+17             Y                     2                            12/1/2006
        408979109               1.00E+17             Y                     2                            12/1/2006
        408979112               1.00E+17             Y                     2                            12/1/2006
        408979113               1.00E+17             Y                     1                            12/1/2006
        408979116               1.00E+17             Y                     2                            12/1/2006
        408979118               1.00E+17             Y                     2                            12/1/2006
        408979119               1.00E+17             Y                     2                            12/1/2006
        408979121               1.00E+17             Y                     2                            12/1/2006
        408979122               1.00E+17             Y                     2                            12/1/2006
        408979127               1.00E+17             Y                     2                            12/1/2006
        408979131               1.00E+17             Y                     1                            12/1/2006
        408979132               1.00E+17             Y                     1                            12/1/2006
        408979135               1.00E+17             Y                     2                            12/1/2006
        408979136               1.00E+17             Y                     2                            12/1/2006
        408979137               1.00E+17             Y                     2                            12/1/2006
        408979138               1.00E+17             Y                     1                            12/1/2006
        408979139               1.00E+17             Y                     2                            12/1/2006
        408979141               1.00E+17             Y                     1                            12/1/2006
        408979145               1.00E+17             Y                     1                            12/1/2006
        408979147               1.00E+17             Y                     2                            12/1/2006
        408979148               1.00E+17             Y                     2                            12/1/2006
        408979150               1.00E+17             Y                     2                            12/1/2006
        408979151               1.00E+17             Y                     2                            12/1/2006
        408979154               1.00E+17             Y                     2                            12/1/2006
        408979164               1.00E+17             Y                     2                            12/1/2006
        408979166               1.00E+17             Y                     2                            12/1/2006
        408979170               1.00E+17             Y                     2                            12/1/2006
        408979172               1.00E+17             Y                     2                            12/1/2006
        408979173               1.00E+17             Y                     2                            12/1/2006
        408979176               1.00E+17             Y                     2                            12/1/2006
        408979177               1.00E+17             Y                     2                            12/1/2006
        408979178               1.00E+17             Y                     2                            12/1/2006
        408979181               1.00E+17             Y                     2                            12/1/2006
        408979182               1.00E+17             Y                     2                            12/1/2006
        408979183               1.00E+17             Y                     2                            12/1/2006
        408979186               1.00E+17             N                     2                            12/1/2006
        408979196               1.00E+17             Y                     2                            12/1/2006
        408979197               1.00E+17             Y                     2                            12/1/2006
        408979202               1.00E+17             Y                     1                            12/1/2006
        408979203               1.00E+17             Y                     2                            12/1/2006
        408979204               1.00E+17             Y                     2                            12/1/2006
        408979205               1.00E+17             Y                     2                            12/1/2006
        408979206               1.00E+17             Y                     1                            12/1/2006
        408979207               1.00E+17             Y                     2                            12/1/2006
        408979208               1.00E+17             Y                     2                            12/1/2006
        408979210               1.00E+17             Y                     2                            12/1/2006
        408979211               1.00E+17             N                     2                            12/1/2006
        408979213               1.00E+17             Y                     2                            12/1/2006
        408979214               1.00E+17             Y                     2                            12/1/2006
        408979215               1.00E+17             Y                     2                            12/1/2006
        408979216               1.00E+17             Y                     2                            12/1/2006
        408979217               1.00E+17             Y                     2                            12/1/2006
        408979219               1.00E+17             Y                     2                            12/1/2006
        408979226               1.00E+17             Y                     2                            12/1/2006
        408979227               1.00E+17             Y                     1                            12/1/2006
        408979228               1.00E+17             N                     1                            12/1/2006
        408979229               1.00E+17             Y                     2                            12/1/2006
        408979232               1.00E+17             Y                     2                            12/1/2006
        408979236               1.00E+17             Y                     2                            12/1/2006
        408979238               1.00E+17             Y                     2                            12/1/2006
        408979239               1.00E+17             Y                     1                            12/1/2006
        408979244               1.00E+17             Y                     1                            12/1/2006
        408979245               1.00E+17             Y                     2                            12/1/2006
        408979247               1.00E+17             Y                     2                            12/1/2006
        408979251               1.00E+17             Y                     2                            12/1/2006
        408979252               1.00E+17             Y                     2                            12/1/2006
        408979253               1.00E+17             Y                     2                            12/1/2006
        408979254               1.00E+17             Y                     2                            12/1/2006
        408979255               1.00E+17             Y                     2                            12/1/2006
        408979260               1.00E+17             Y                     2                            12/1/2006
        408979261               1.00E+17             Y                     2                            12/1/2006
        408979263               1.00E+17             Y                     1                            12/1/2006
        408979264               1.00E+17             Y                     2                            12/1/2006
        408979265               1.00E+17             N                     2                            12/1/2006
        408979267               1.00E+17             Y                     2                            12/1/2006
        408979268               1.00E+17             Y                     2                            12/1/2006
        408979269               1.00E+17             Y                     1                            12/1/2006
        408979270               1.00E+17             Y                     1                            12/1/2006
        408979271               1.00E+17             Y                     2                            12/1/2006
        408979272               1.00E+17             Y                     2                            12/1/2006
        408979274               1.00E+17             Y                     2                            12/1/2006
        408979276               1.00E+17             Y                     2                            12/1/2006
        408979285               1.00E+17             Y                     2                            12/1/2006
        408979291               1.00E+17             Y                     2                            12/1/2006
        408979292               1.00E+17             Y                     2                            12/1/2006
        408979293               1.00E+17             Y                     2                            12/1/2006
        408979294               1.00E+17             Y                     2                            12/1/2006
        408979295               1.00E+17             Y                     2                            12/1/2006
        408979296               1.00E+17             Y                     2                            12/1/2006
        408979297               1.00E+17             Y                     2                            12/1/2006
        408979298               1.00E+17             Y                     2                            12/1/2006
        408979299               1.00E+17             Y                     2                            12/1/2006
        408979300               1.00E+17             Y                     2                            12/1/2006
        408979301               1.00E+17             Y                     2                            12/1/2006
        408979304               1.00E+17             Y                     1                            12/1/2006
        408979306               1.00E+17             Y                     1                            12/1/2006
        408979307               1.00E+17             Y                     2                            12/1/2006
        408979309               1.00E+17             Y                     2                            12/1/2006
        408979315               1.00E+17             Y                     2                            12/1/2006
        408979316               1.00E+17             Y                     1                            12/1/2006
        408979317               1.00E+17             Y                     1                            12/1/2006
        408979320               1.00E+17             Y                     2                            12/1/2006
        408979321               1.00E+17             Y                     2                            12/1/2006
        408979323               1.00E+17             Y                     2                            12/1/2006
        408979325               1.00E+17             Y                     2                            12/1/2006
        408979326               1.00E+17             N                     2                            12/1/2006
        408979327               1.00E+17             Y                     2                            12/1/2006
        408979328               1.00E+17             Y                     1                            12/1/2006
        408979331               1.00E+17             Y                     2                            12/1/2006
        408979333               1.00E+17             Y                     2                            12/1/2006
        408979334               1.00E+17             Y                     2                            12/1/2006
        408979336               1.00E+17             Y                     2                            12/1/2006
        408979338               1.00E+17             Y                     1                            12/1/2006
        408979339               1.00E+17             Y                     1                            12/1/2006
        408979344               1.00E+17             Y                     2                            12/1/2006
        408979345               1.00E+17             Y                     2                            12/1/2006
        408979351               1.00E+17             Y                     2                            12/1/2006
        408979356               1.00E+17             Y                     2                            12/1/2006
        408979358               1.00E+17             Y                     2                            12/1/2006
        408979359               1.00E+17             Y                     2                            12/1/2006
        408979360               1.00E+17             Y                     1                            12/1/2006
        408979362               1.00E+17             Y                     2                            12/1/2006
        408979364               1.00E+17             Y                     2                            12/1/2006
        408979367               1.00E+17             Y                     2                            12/1/2006
        408979371               1.00E+17             Y                     2                            12/1/2006
        408979372               1.00E+17             Y                     2                            12/1/2006
        408979374               1.00E+17             Y                     2                            12/1/2006
        408979375               1.00E+17             Y                     1                            12/1/2006
        408979376               1.00E+17             Y                     2                            12/1/2006
        408979378               1.00E+17             Y                     2                            12/1/2006
        408979380               1.00E+17             Y                     2                            12/1/2006
        408979382               1.00E+17             Y                     1                            12/1/2006
        408979384               1.00E+17             Y                     2                            12/1/2006
        408979385               1.00E+17             Y                     2                            12/1/2006
        408979386               1.00E+17             Y                     1                            12/1/2006
        408979387               1.00E+17             Y                     2                            12/1/2006
        408979389               1.00E+17             Y                     2                            12/1/2006
        408979391               1.00E+17             Y                     2                            12/1/2006
        408979393               1.00E+17             N                     2                            12/1/2006
        408979397               1.00E+17             Y                     2                            12/1/2006
        408979398               1.00E+17             Y                     1                            12/1/2006
        408979399               1.00E+17             Y                     2                            12/1/2006
        408979403               1.00E+17             Y                     2                            12/1/2006
        408979410               1.00E+17             Y                     1                            12/1/2006
        408979411               1.00E+17             Y                     2                            12/1/2006
        408979415               1.00E+17             Y                     2                            12/1/2006
        408979418               1.00E+17             Y                     2                            12/1/2006
        408979420               1.00E+17             Y                     2                            12/1/2006
        408979421               1.00E+17             Y                     1                            12/1/2006
        408979423               1.00E+17             Y                     2                            12/1/2006
        408979424               1.00E+17             Y                     2                            12/1/2006
        408979425               1.00E+17             Y                     2                            12/1/2006
        408979427               1.00E+17             Y                     2                            12/1/2006
        408979428               1.00E+17             Y                     2                            12/1/2006
        408979429               1.00E+17             Y                     2                            12/1/2006
        408979431               1.00E+17             Y                     2                            12/1/2006
        408979435               1.00E+17             Y                     2                            12/1/2006
        408979439               1.00E+17             Y                     2                            12/1/2006
        408979441               1.00E+17             Y                     1                            12/1/2006
        408979442               1.00E+17             Y                     2                            12/1/2006
        408979443               1.00E+17             Y                     2                            12/1/2006
        408979444               1.00E+17             Y                     2                            12/1/2006
        408979445               1.00E+17             Y                     2                            12/1/2006
        408979447               1.00E+17             Y                     2                            12/1/2006
        408979448               1.00E+17             Y                     2                            12/1/2006
        408979450               1.00E+17             Y                     2                            12/1/2006
        408979452               1.00E+17             Y                     2                            12/1/2006
        408979453               1.00E+17             N                     2                            12/1/2006
        408979454               1.00E+17             Y                     1                            12/1/2006
        408979455               1.00E+17             Y                     2                            12/1/2006
        408979458               1.00E+17             Y                     2                            12/1/2006
        408979459               1.00E+17             Y                     2                            12/1/2006
        408979460               1.00E+17             Y                     2                            12/1/2006
        408979461               1.00E+17             Y                     2                            12/1/2006
        408979462               1.00E+17             Y                     2                            12/1/2006
        408979463               1.00E+17             Y                     2                            12/1/2006
        408979464               1.00E+17             Y                     1                            12/1/2006
        408979467               1.00E+17             Y                     2                            12/1/2006
        408979468               1.00E+17             Y                     2                            12/1/2006
        408979470               1.00E+17             Y                     2                            12/1/2006
        408979472               1.00E+17             Y                     2                            12/1/2006
        408979473               1.00E+17             Y                     2                            12/1/2006
        408979475               1.00E+17             Y                     2                            12/1/2006
        408979476               1.00E+17             Y                     1                            12/1/2006
        408979477               1.00E+17             Y                     1                            12/1/2006
        408979480               1.00E+17             Y                     2                            12/1/2006
        408979482               1.00E+17             Y                     2                            12/1/2006
        408979484               1.00E+17             Y                     2                            12/1/2006
        408979485               1.00E+17             Y                     2                            12/1/2006
        408979489               1.00E+17             Y                     2                            12/1/2006
        408979491               1.00E+17             Y                     2                            12/1/2006
        408979492               1.00E+17             Y                     2                            12/1/2006
        408979497               1.00E+17             Y                     2                            12/1/2006
        408979499               1.00E+17             Y                     1                            12/1/2006
        408979502               1.00E+17             Y                     2                            12/1/2006
        408979505               1.00E+17             Y                     2                            12/1/2006
        408979513               1.00E+17             Y                     1                            12/1/2006
        408979514               1.00E+17             Y                     2                            12/1/2006
        408979515               1.00E+17             Y                     2                            12/1/2006
        408979516               1.00E+17             Y                     2                            12/1/2006
        408979518               1.00E+17             Y                     2                            12/1/2006
        408979523               1.00E+17             Y                     1                            12/1/2006
        408979524               1.00E+17             Y                     2                            12/1/2006
        408979525               1.00E+17             Y                     2                            12/1/2006
        408979526               1.00E+17             Y                     1                            12/1/2006
        408979527               1.00E+17             Y                     1                            12/1/2006
        408979531               1.00E+17             Y                     1                            12/1/2006
        408979534               1.00E+17             Y                     2                            12/1/2006
        408979539               1.00E+17             Y                     2                            12/1/2006
        408979540               1.00E+17             Y                     2                            12/1/2006
        408979543               1.00E+17             Y                     2                            12/1/2006
        408979544               1.00E+17             Y                     2                            12/1/2006
        408979545               1.00E+17             N                     2                            12/1/2006
        408979547               1.00E+17             N                     1                            12/1/2006
        408979549               1.00E+17             Y                     2                            12/1/2006
        408979550               1.00E+17             Y                     2                            12/1/2006
        408979552               1.00E+17             Y                     2                            12/1/2006
        408979555               1.00E+17             Y                     1                            12/1/2006
        408979556               1.00E+17             Y                     1                            12/1/2006
        408979557               1.00E+17             Y                     2                            12/1/2006
        408979559               1.00E+17             Y                     2                            12/1/2006
        408979561               1.00E+17             N                     1                            12/1/2006
        408979564               1.00E+17             Y                     2                            12/1/2006
        408979566               1.00E+17             Y                     1                            12/1/2006
        408979567               1.00E+17             Y                     2                            12/1/2006
        408979569               1.00E+17             Y                     2                            12/1/2006
        408979571               1.00E+17             Y                     1                            12/1/2006
        408979572               1.00E+17             Y                     1                            12/1/2006
        408979573               1.00E+17             Y                     2                            12/1/2006
        408979576               1.00E+17             Y                     2                            12/1/2006
        408979577               1.00E+17             Y                     1                            12/1/2006
        408979579               1.00E+17             Y                     2                            12/1/2006
        408979585               1.00E+17             Y                     2                            12/1/2006
        408979586               1.00E+17             Y                     2                            12/1/2006
        408979590               1.00E+17             Y                     2                            12/1/2006
        408979591               1.00E+17             Y                     2                            12/1/2006
        408979593               1.00E+17             Y                     2                            12/1/2006
        408979597               1.00E+17             Y                     2                            12/1/2006
        408979598               1.00E+17             Y                     2                            12/1/2006
        408979599               1.00E+17             Y                     2                            12/1/2006
        408979601               1.00E+17             Y                     2                            12/1/2006
        408979602               1.00E+17             Y                     2                            12/1/2006
        408979604               1.00E+17             Y                     2                            12/1/2006
        408979605               1.00E+17             Y                     2                            12/1/2006
        408979607               1.00E+17             Y                     2                            12/1/2006
        408979608               1.00E+17             Y                     2                            12/1/2006
        408979609               1.00E+17             N                     2                            12/1/2006
        408979610               1.00E+17             Y                     2                            12/1/2006
        408979612               1.00E+17             Y                     1                            12/1/2006
        408979613               1.00E+17             Y                     2                            12/1/2006
        408979615               1.00E+17             Y                     1                            12/1/2006
        408979618               1.00E+17             Y                     2                            12/1/2006
        408979620               1.00E+17             Y                     1                            12/1/2006
        408979621               1.00E+17             Y                     2                            12/1/2006
        408979623               1.00E+17             Y                     2                            12/1/2006
        408979629               1.00E+17             Y                     1                            12/1/2006
        408979630               1.00E+17             Y                     1                            12/1/2006
        408979631               1.00E+17             Y                     1                            12/1/2006
        408979633               1.00E+17             Y                     2                            12/1/2006
        408979634               1.00E+17             Y                     2                            12/1/2006
        408979636               1.00E+17             Y                     2                            12/1/2006
        408979638               1.00E+17             Y                     2                            12/1/2006
        408979639               1.00E+17             Y                     1                            12/1/2006
        408979641               1.00E+17             Y                     2                            12/1/2006
        408979643               1.00E+17             N                     2                            12/1/2006
        408979648               1.00E+17             N                     1                            12/1/2006
        408979649               1.00E+17             Y                     2                            12/1/2006
        408979650               1.00E+17             Y                     2                            12/1/2006
        408979653               1.00E+17             Y                     2                            12/1/2006
        408979654               1.00E+17             Y                     1                            12/1/2006
        408979655               1.00E+17             Y                     2                            12/1/2006
        408979659               1.00E+17             Y                     2                            12/1/2006
        408979660               1.00E+17             Y                     1                            12/1/2006
        408979661               1.00E+17             N                     1                            12/1/2006
        408979663               1.00E+17             Y                     1                            12/1/2006
        408979665               1.00E+17             N                     1                            12/1/2006
        408979667               1.00E+17             Y                     1                            12/1/2006
        408979668               1.00E+17             Y                     2                            12/1/2006
        408979669               1.00E+17             Y                     2                            12/1/2006
        408979671               1.00E+17             Y                     2                            12/1/2006
        408979672               1.00E+17             Y                     2                            12/1/2006
        408979673               1.00E+17             N                     2                            12/1/2006
        408979674               1.00E+17             Y                     2                            12/1/2006
        408979682               1.00E+17             Y                     2                            12/1/2006
        408979683               1.00E+17             Y                     2                            12/1/2006
        408979684               1.00E+17             Y                     2                            12/1/2006
        408979685               1.00E+17             Y                     2                            12/1/2006
        408979686               1.00E+17             Y                     2                            12/1/2006
        408979687               1.00E+17             Y                     1                            12/1/2006
        408979688               1.00E+17             Y                     2                            12/1/2006
        408979691               1.00E+17             Y                     2                            12/1/2006
        408979693               1.00E+17             Y                     2                            12/1/2006
        408979694               1.00E+17             Y                     2                            12/1/2006
        408979696               1.00E+17             Y                     2                            12/1/2006
        408979697               1.00E+17             Y                     1                            12/1/2006
        408979699               1.00E+17             Y                     2                            12/1/2006
        408979701               1.00E+17             Y                     2                            12/1/2006
        408979702               1.00E+17             Y                     1                            12/1/2006
        408979703               1.00E+17             N                     2                            12/1/2006
        408979704               1.00E+17             Y                     2                            12/1/2006
        408979705               1.00E+17             Y                     2                            12/1/2006
        408979706               1.00E+17             Y                     2                            12/1/2006
        408979709               1.00E+17             Y                     2                            12/1/2006
        408979710               1.00E+17             Y                     2                            12/1/2006
        408979714               1.00E+17             Y                     2                            12/1/2006
        408979716               1.00E+17             Y                     2                            12/1/2006
        408979722               1.00E+17             Y                     2                            12/1/2006
        408979724               1.00E+17             Y                     2                            12/1/2006
        408979725               1.00E+17             Y                     2                            12/1/2006
        408979726               1.00E+17             Y                     2                            12/1/2006
        408979730               1.00E+17             Y                     2                            12/1/2006
        408979731               1.00E+17             Y                     2                            12/1/2006
        408979732               1.00E+17             Y                     1                            12/1/2006
        408979737               1.00E+17             Y                     2                            12/1/2006
        408979738               1.00E+17             Y                     2                            12/1/2006
        408979739               1.00E+17             Y                     2                            12/1/2006
        408979741               1.00E+17             Y                     2                            12/1/2006
        408979743               1.00E+17             Y                     2                            12/1/2006
        408979745               1.00E+17             N                     1                            12/1/2006
        408979746               1.00E+17             Y                     2                            12/1/2006
        408979747               1.00E+17             Y                     2                            12/1/2006
        408979749               1.00E+17             Y                     1                            12/1/2006
        408979751               1.00E+17             Y                     1                            12/1/2006
        408979753               1.00E+17             Y                     2                            12/1/2006
        408979756               1.00E+17             Y                     2                            12/1/2006
        408979757               1.00E+17             Y                     2                            12/1/2006
        408979758               1.00E+17             Y                     2                            12/1/2006
        408979759               1.00E+17             Y                     2                            12/1/2006
        408979761               1.00E+17             Y                     2                            12/1/2006
        408979762               1.00E+17             Y                     2                            12/1/2006
        408979763               1.00E+17             Y                     2                            12/1/2006
        408979764               1.00E+17             Y                     2                            12/1/2006
        408979771               1.00E+17             Y                     2                            12/1/2006
        408979772               1.00E+17             Y                     1                            12/1/2006
        408979774               1.00E+17             Y                     2                            12/1/2006
        408979775               1.00E+17             Y                     2                            12/1/2006
        408979776               1.00E+17             Y                     1                            12/1/2006
        408979777               1.00E+17             Y                     2                            12/1/2006
        408979784               1.00E+17             Y                     1                            12/1/2006
        408979785               1.00E+17             Y                     2                            12/1/2006
        408979786               1.00E+17             Y                     2                            12/1/2006
        408979787               1.00E+17             Y                     1                            12/1/2006
        408979790               1.00E+17             Y                     2                            12/1/2006
        408979794               1.00E+17             N                     1                            12/1/2006
        408979795               1.00E+17             Y                     2                            12/1/2006
        408979796               1.00E+17             Y                     2                            12/1/2006
        408979797               1.00E+17             N                     1                            12/1/2006
        408979798               1.00E+17             N                     2                            12/1/2006
        408979799               1.00E+17             Y                     2                            12/1/2006
        408979802               1.00E+17             Y                     2                            12/1/2006
        408979804               1.00E+17             N                     1                            12/1/2006
        408979805               1.00E+17             Y                     2                            12/1/2006
        408979806               1.00E+17             Y                     2                            12/1/2006
        408979807               1.00E+17             Y                     2                            12/1/2006
        408979810               1.00E+17             Y                     2                            12/1/2006
        408979812               1.00E+17             Y                     2                            12/1/2006
        408979813               1.00E+17             Y                     2                            12/1/2006
        408979815               1.00E+17             Y                     2                            12/1/2006
        408979816               1.00E+17             Y                     2                            12/1/2006
        408979818               1.00E+17             Y                     2                            12/1/2006
        408979819               1.00E+17             Y                     2                            12/1/2006
        408979820               1.00E+17             Y                     2                            12/1/2006
        408979822               1.00E+17             Y                     1                            12/1/2006
        408979823               1.00E+17             N                     2                            12/1/2006
        408979824               1.00E+17             Y                     2                            12/1/2006
        408979825               1.00E+17             Y                     1                            12/1/2006
        408979826               1.00E+17             Y                     2                            12/1/2006
        408979829               1.00E+17             Y                     2                            12/1/2006
        408979830               1.00E+17             Y                     1                            12/1/2006
        408979833               1.00E+17             Y                     2                            12/1/2006
        408979835               1.00E+17             Y                     2                            12/1/2006
        408979836               1.00E+17             Y                     2                            12/1/2006
        408979839               1.00E+17             Y                     2                            12/1/2006
        408979840               1.00E+17             Y                     2                            12/1/2006
        408979842               1.00E+17             Y                     2                            12/1/2006
        408979843               1.00E+17             Y                     2                            12/1/2006
        408979844               1.00E+17             Y                     2                            12/1/2006
        408979847               1.00E+17             Y                     2                            12/1/2006
        408979850               1.00E+17             Y                     2                            12/1/2006
        408979851               1.00E+17             Y                     1                            12/1/2006
        408979852               1.00E+17             Y                     2                            12/1/2006
        408979855               1.00E+17             Y                     2                            12/1/2006
        408979862               1.00E+17             Y                     2                            12/1/2006
        408979863               1.00E+17             Y                     2                            12/1/2006
        408979864               1.00E+17             Y                     2                            12/1/2006
        408979865               1.00E+17             Y                     2                            12/1/2006
        408979866               1.00E+17             Y                     2                            12/1/2006
        408979867               1.00E+17             Y                     1                            12/1/2006
        408979868               1.00E+17             N                     2                            12/1/2006
        408979869               1.00E+17             N                     2                            12/1/2006
        408979872               1.00E+17             Y                     2                            12/1/2006
        408979873               1.00E+17             Y                     1                            12/1/2006
        408979874               1.00E+17             Y                     1                            12/1/2006
        408979876               1.00E+17             Y                     2                            12/1/2006
        408979877               1.00E+17             Y                     2                            12/1/2006
        408979879               1.00E+17             N                     2                            12/1/2006
        408979880               1.00E+17             N                     2                            12/1/2006
        408979881               1.00E+17             N                     2                            12/1/2006
        408979883               1.00E+17             Y                     1                            12/1/2006
        408979887               1.00E+17             Y                     1                            12/1/2006
        408979888               1.00E+17             Y                     1                            12/1/2006
        408979892               1.00E+17             Y                     2                            12/1/2006
        408979893               1.00E+17             Y                     2                            12/1/2006
        408979894               1.00E+17             Y                     1                            12/1/2006
        408979896               1.00E+17             Y                     2                            12/1/2006
        408979898               1.00E+17             Y                     2                            12/1/2006
        408979899               1.00E+17             Y                     2                            12/1/2006
        408979900               1.00E+17             Y                     2                            12/1/2006
        408979901               1.00E+17             Y                     2                            12/1/2006
        408979902               1.00E+17             Y                     1                            12/1/2006
        408979904               1.00E+17             N                     2                            12/1/2006
        408979909               1.00E+17             Y                     2                            12/1/2006
        408979910               1.00E+17             Y                     2                            12/1/2006
        408979912               1.00E+17             Y                     1                            12/1/2006
        408979913               1.00E+17             Y                     1                            12/1/2006
        408979915               1.00E+17             Y                     1                            12/1/2006
        408979916               1.00E+17             Y                     2                            12/1/2006
        408979919               1.00E+17             Y                     2                            12/1/2006
        408979920               1.00E+17             N                     1                            12/1/2006
        408979922               1.00E+17             Y                     1                            12/1/2006
        408979924               1.00E+17             Y                     2                            12/1/2006
        408979928               1.00E+17             Y                     2                            12/1/2006
        408979931               1.00E+17             Y                     2                            12/1/2006
        408979932               1.00E+17             Y                     2                            12/1/2006
        408979935               1.00E+17             Y                     2                            12/1/2006
        408979936               1.00E+17             Y                     2                            12/1/2006
        408979939               1.00E+17             Y                     2                            12/1/2006
        408979940               1.00E+17             Y                     1                            12/1/2006
        408979943               1.00E+17             Y                     1                            12/1/2006
        408979945               1.00E+17             N                     2                            12/1/2006
        408979946               1.00E+17             Y                     2                            12/1/2006
        408979947               1.00E+17             Y                     1                            12/1/2006
        408979950               1.00E+17             Y                     2                            12/1/2006
        408979951               1.00E+17             Y                     2                            12/1/2006
        408979952               1.00E+17             Y                     2                            12/1/2006
        408979953               1.00E+17             Y                     2                            12/1/2006
        408979956               1.00E+17             N                     2                            12/1/2006
        408979959               1.00E+17             N                     2                            12/1/2006
        408979960               1.00E+17             Y                     2                            12/1/2006
        408979961               1.00E+17             Y                     2                            12/1/2006
        408979963               1.00E+17             Y                     1                            12/1/2006
        408979967               1.00E+17             Y                     1                            12/1/2006
        408979968               1.00E+17             Y                     2                            12/1/2006
        408979969               1.00E+17             Y                     2                            12/1/2006
        408979970               1.00E+17             N                     1                            12/1/2006
        408979971               1.00E+17             Y                     2                            12/1/2006
        408979972               1.00E+17             Y                     1                            12/1/2006
        408979973               1.00E+17             Y                     2                            12/1/2006
        408979974               1.00E+17             Y                     2                            12/1/2006
        408979975               1.00E+17             Y                     1                            12/1/2006
        408979976               1.00E+17             Y                     1                            12/1/2006
        408979978               1.00E+17             Y                     2                            12/1/2006
        408979979               1.00E+17             Y                     2                            12/1/2006
        408979980               1.00E+17             Y                     2                            12/1/2006
        408979982               1.00E+17             Y                     2                            12/1/2006
        408979983               1.00E+17             Y                     1                            12/1/2006
        408979985               1.00E+17             Y                     2                            12/1/2006
        408979986               1.00E+17             Y                     2                            12/1/2006
        408979988               1.00E+17             Y                     2                            12/1/2006
        408979989               1.00E+17             Y                     2                            12/1/2006
        408979991               1.00E+17             Y                     1                            12/1/2006
        408979992               1.00E+17             Y                     2                            12/1/2006
        408979993               1.00E+17             Y                     2                            12/1/2006
        408979994               1.00E+17             Y                     2                            12/1/2006
        408979995               1.00E+17             N                     2                            12/1/2006
        408979997               1.00E+17             Y                     2                            12/1/2006
        408979998               1.00E+17             Y                     2                            12/1/2006
        408980000               1.00E+17             Y                     2                            12/1/2006
        408980002               1.00E+17             Y                     2                            12/1/2006
        408980003               1.00E+17             Y                     2                            12/1/2006
        408980004               1.00E+17             Y                     2                            12/1/2006
        408980006               1.00E+17             Y                     2                            12/1/2006
        408980007               1.00E+17             Y                     1                            12/1/2006
        408980009               1.00E+17             Y                     1                            12/1/2006
        408980016               1.00E+17             Y                     1                            12/1/2006
        408980019               1.00E+17             Y                     1                            12/1/2006
        408980020               1.00E+17             Y                     2                            12/1/2006
        408980022               1.00E+17             Y                     1                            12/1/2006
        408980023               1.00E+17             Y                     2                            12/1/2006
        408980024               1.00E+17             Y                     2                            12/1/2006
        408980027               1.00E+17             Y                     2                            12/1/2006
        408980028               1.00E+17             Y                     2                            12/1/2006
        408980029               1.00E+17             Y                     1                            12/1/2006
        408980030               1.00E+17             Y                     2                            12/1/2006
        408980031               1.00E+17             Y                     2                            12/1/2006
        408980032               1.00E+17             Y                     2                            12/1/2006
        408980033               1.00E+17             Y                     1                            12/1/2006
        408980034               1.00E+17             Y                     2                            12/1/2006
        408980035               1.00E+17             Y                     2                            12/1/2006
        408980036               1.00E+17             Y                     2                            12/1/2006
        408980038               1.00E+17             Y                     2                            12/1/2006
        408980040               1.00E+17             Y                     2                            12/1/2006
        408980043               1.00E+17             Y                     2                            12/1/2006
        408980045               1.00E+17             Y                     2                            12/1/2006
        408980046               1.00E+17             Y                     2                            12/1/2006
        408980048               1.00E+17             Y                     2                            12/1/2006
        408980051               1.00E+17             Y                     2                            12/1/2006
        408980053               1.00E+17             Y                     2                            12/1/2006
        408980054               1.00E+17             Y                     2                            12/1/2006
        408980055               1.00E+17             Y                     1                            12/1/2006
        408980056               1.00E+17             Y                     2                            12/1/2006
        408980057               1.00E+17             Y                     2                            12/1/2006
        408980058               1.00E+17             Y                     2                            12/1/2006
        408980060               1.00E+17             Y                     2                            12/1/2006
        408980061               1.00E+17             Y                     2                            12/1/2006
        408980062               1.00E+17             Y                     2                            12/1/2006
        408980064               1.00E+17             Y                     2                            12/1/2006
        408980065               1.00E+17             Y                     2                            12/1/2006
        408980066               1.00E+17             Y                     2                            12/1/2006
        408980067               1.00E+17             Y                     2                            12/1/2006
        408980068               1.00E+17             Y                     1                            12/1/2006
        408980069               1.00E+17             Y                     1                            12/1/2006
        408980070               1.00E+17             N                     2                            12/1/2006
        408980071               1.00E+17             Y                     2                            12/1/2006
        408980072               1.00E+17             Y                     2                            12/1/2006
        408980073               1.00E+17             Y                     2                            12/1/2006
        408980075               1.00E+17             Y                     2                            12/1/2006
        408980076               1.00E+17             N                     2                            12/1/2006
        408980077               1.00E+17             Y                     2                            12/1/2006
        408980079               1.00E+17             Y                     2                            12/1/2006
        408980080               1.00E+17             Y                     2                            12/1/2006
        408980081               1.00E+17             Y                     2                            12/1/2006
        408980082               1.00E+17             Y                     2                            12/1/2006
        408980083               1.00E+17             Y                     2                            12/1/2006
        408980084               1.00E+17             N                     2                            12/1/2006
        408980085               1.00E+17             N                     2                            12/1/2006
        408980087               1.00E+17             Y                     2                            12/1/2006
        408980088               1.00E+17             Y                     1                            12/1/2006
        408980089               1.00E+17             Y                     2                            12/1/2006
        408980090               1.00E+17             Y                     2                            12/1/2006
        408980092               1.00E+17             Y                     2                            12/1/2006
        408980094               1.00E+17             Y                     2                            12/1/2006
        408980095               1.00E+17             Y                     2                            12/1/2006
        408980096               1.00E+17             N                     2                            12/1/2006
        408980097               1.00E+17             Y                     2                            12/1/2006
        408980098               1.00E+17             Y                     2                            12/1/2006
        408980102               1.00E+17             Y                     2                            12/1/2006
        408980106               1.00E+17             Y                     2                            12/1/2006
        408980107               1.00E+17             N                     2                            12/1/2006
        408980108               1.00E+17             Y                     2                            12/1/2006
        408980110               1.00E+17             Y                     2                            12/1/2006
        408980111               1.00E+17             Y                     2                            12/1/2006
        408980112               1.00E+17             Y                     1                            12/1/2006
        408980114               1.00E+17             Y                     2                            12/1/2006
        408980116               1.00E+17             Y                     2                            12/1/2006
        408980117               1.00E+17             Y                     1                            12/1/2006
        408980120               1.00E+17             Y                     2                            12/1/2006
        408980121               1.00E+17             Y                     1                            12/1/2006
        408980122               1.00E+17             Y                     2                            12/1/2006
        408980123               1.00E+17             Y                     2                            12/1/2006
        408980124               1.00E+17             Y                     2                            12/1/2006
        408980125               1.00E+17             Y                     2                            12/1/2006
        408980128               1.00E+17             Y                     1                            12/1/2006
        408980130               1.00E+17             Y                     2                            12/1/2006
        408980131               1.00E+17             Y                     2                            12/1/2006
        408980132               1.00E+17             Y                     2                            12/1/2006
        408980135               1.00E+17             Y                     1                            12/1/2006
        408980137               1.00E+17             Y                     2                            12/1/2006
        408980139               1.00E+17             Y                     1                            12/1/2006
        408980140               1.00E+17             Y                     1                            12/1/2006
        408980141               1.00E+17             N                     1                            12/1/2006
        408980143               1.00E+17             Y                     2                            12/1/2006
        408980144               1.00E+17             Y                     1                            12/1/2006
        408980145               1.00E+17             Y                     2                            12/1/2006
        408980146               1.00E+17             Y                     2                            12/1/2006
        408980147               1.00E+17             Y                     2                            12/1/2006
        408980148               1.00E+17             Y                     2                            12/1/2006
        408980149               1.00E+17             Y                     2                            12/1/2006
        408980150               1.00E+17             Y                     2                            12/1/2006
        408980151               1.00E+17             Y                     2                            12/1/2006
        408980152               1.00E+17             Y                     2                            12/1/2006
        408980154               1.00E+17             Y                     1                            12/1/2006
        408980156               1.00E+17             Y                     2                            12/1/2006
        408980157               1.00E+17             Y                     2                            12/1/2006
        408980160               1.00E+17             Y                     2                            12/1/2006
        408980163               1.00E+17             Y                     2                            12/1/2006
        408980165               1.00E+17             Y                     2                            12/1/2006
        408980166               1.00E+17             Y                     2                            12/1/2006
        408980167               1.00E+17             Y                     1                            12/1/2006
        408980168               1.00E+17             Y                     2                            12/1/2006
        408980169               1.00E+17             Y                     2                            12/1/2006
        408980170               1.00E+17             Y                     2                            12/1/2006
        408980171               1.00E+17             Y                     2                            12/1/2006
        408980173               1.00E+17             Y                     2                            12/1/2006
        408980174               1.00E+17             Y                     2                            12/1/2006
        408980176               1.00E+17             Y                     2                            12/1/2006
        408980177               1.00E+17             Y                     1                            12/1/2006
        408980180               1.00E+17             Y                     2                            12/1/2006
        408980181               1.00E+17             Y                     1                            12/1/2006
        408980185               1.00E+17             Y                     1                            12/1/2006
        408980186               1.00E+17             Y                     2                            12/1/2006
        408980187               1.00E+17             N                     2                            12/1/2006
        408980188               1.00E+17             Y                     2                            12/1/2006
        408980192               1.00E+17             Y                     2                            12/1/2006
        408980194               1.00E+17             Y                     1                            12/1/2006
        408980196               1.00E+17             Y                     1                            12/1/2006
        408980197               1.00E+17             Y                     2                            12/1/2006
        408980199               1.00E+17             Y                     2                            12/1/2006
        408980200               1.00E+17             Y                     2                            12/1/2006
        408980201               1.00E+17             Y                     2                            12/1/2006
        408980202               1.00E+17             N                     2                            12/1/2006
        408980204               1.00E+17             Y                     2                            12/1/2006
        408980205               1.00E+17             Y                     2                            12/1/2006
        408980206               1.00E+17             Y                     2                            12/1/2006
        408980207               1.00E+17             Y                     2                            12/1/2006
        408980208               1.00E+17             Y                     2                            12/1/2006
        408980209               1.00E+17             Y                     1                            12/1/2006
        408980211               1.00E+17             Y                     2                            12/1/2006
        408980215               1.00E+17             Y                     2                            12/1/2006
        408980217               1.00E+17             Y                     2                            12/1/2006
        408980219               1.00E+17             Y                     2                            12/1/2006
        408980220               1.00E+17             Y                     2                            12/1/2006
        408980221               1.00E+17             Y                     1                            12/1/2006
        408980222               1.00E+17             Y                     1                            12/1/2006
        408998344               1.00E+17             Y                     2                            12/1/2006
        408998346               1.00E+17             N                     1                            12/1/2006
        408998348               1.00E+17             Y                     2                            12/1/2006
        408998364               1.00E+17             Y                     2                            12/1/2006
        408998373               1.00E+17             Y                     2                            12/1/2006
        408998376               1.00E+17             N                     2                            12/1/2006
        409015840               1.00E+17             Y                     2                            12/1/2006
        409015912               1.00E+17             N                     1                            12/1/2006
        409015913               1.00E+17             N                     1                            12/1/2006
        409015916               1.00E+17             N                     1                            12/1/2006
        409015917               1.00E+17             N                     1                            12/1/2006
        409015919               1.00E+17             N                     1                            12/1/2006
        409015924               1.00E+17             N                     1                            12/1/2006
        409015925               1.00E+17             N                     1                            12/1/2006
        409015926               1.00E+17             N                     1                            12/1/2006
        409015927               1.00E+17             N                     2                            12/1/2006
        409015928               1.00E+17             N                     2                            12/1/2006
        409015929               1.00E+17             N                     1                            12/1/2006
        409015930               1.00E+17             N                     2                            12/1/2006
        409030015               1.00E+17             N                     2                            12/1/2006
        409030016               1.00E+17             Y                     2                            12/1/2006
        409030020               1.00E+17             Y                     2                            12/1/2006
        409030022               1.00E+17             N                     2                            12/1/2006
        409030030               1.00E+17             Y                     1                            12/1/2006
        409030033               1.00E+17             N                     1                            12/1/2006
        409030035               1.00E+17             Y                     2                            12/1/2006
        409030036               1.00E+17             Y                     2                            12/1/2006
        409030038               1.00E+17             Y                     2                            12/1/2006
        409039395               1.00E+17             N                     2                            12/1/2006
        409055782                  0                 Y                     2                            12/1/2006
        409101756               1.00E+17             Y                     2                            12/1/2006
        409101757               1.00E+17             Y                     2                            12/1/2006
        409165843               1.00E+17             N                     2                            12/1/2006
        409165846               1.00E+17             N                     2                            12/1/2006
        409165847               1.00E+17             N                     2                            12/1/2006
        409165848               1.00E+17             Y                     2                            12/1/2006
        409165849               1.00E+17             Y                     2                            12/1/2006
        409165851               1.00E+17             Y                     2                            12/1/2006
        409165852               1.00E+17             N                     2                            12/1/2006
        409165853               1.00E+17             Y                     2                            12/1/2006
        409165855               1.00E+17             Y                     2                            12/1/2006
        409165856               1.00E+17             Y                     2                            12/1/2006
        409165858               1.00E+17             Y                     2                            12/1/2006
        409165864               1.00E+17             Y                     2                            12/1/2006
        409165868               1.00E+17             Y                     2                            12/1/2006
        409165869               1.00E+17             N                     2                            12/1/2006
        409165871               1.00E+17             Y                     2                            12/1/2006
        409165873               1.00E+17             N                     1                            12/1/2006
        409165879               1.00E+17             N                     2                            12/1/2006
        409165880               1.00E+17             Y                     2                            12/1/2006
        409165882               1.00E+17             Y                     1                            12/1/2006
        409165884               1.00E+17             N                     2                            12/1/2006
        409165887               1.00E+17             Y                     2                            12/1/2006
        409165889               1.00E+17             N                     2                            12/1/2006
        409165891               1.00E+17             N                     2                            12/1/2006
        409165892               1.00E+17             N                     1                            12/1/2006
        409165893               1.00E+17             N                     1                            12/1/2006
        409165895               1.00E+17             N                     2                            12/1/2006
        409165897               1.00E+17             N                     2                            12/1/2006
        409165899               1.00E+17             Y                     1                            12/1/2006
        409165900               1.00E+17             Y                     2                            12/1/2006
        409165901               1.00E+17             Y                     1                            12/1/2006
        409165902               1.00E+17             Y                     2                            12/1/2006
        409165904               1.00E+17             Y                     2                            12/1/2006
        409165905               1.00E+17             Y                     2                            12/1/2006
        409165907               1.00E+17             Y                     1                            12/1/2006
        409165908               1.00E+17             N                     2                            12/1/2006
        409165909               1.00E+17             Y                     2                            12/1/2006
        409165910               1.00E+16             Y                     2                            12/1/2006
        409165912               1.00E+17             Y                     2                            12/1/2006
        409165913               1.00E+17             N                     2                            12/1/2006
        409165915               1.00E+17             N                     2                            12/1/2006
        409165916               1.00E+17             Y                     2                            12/1/2006
        409165917               1.00E+17             Y                     2                            12/1/2006
        409165919               1.00E+17             Y                     2                            12/1/2006
        409165920               1.00E+17             N                     2                            12/1/2006
        409165921               1.00E+17             N                     1                            12/1/2006
        409165925               1.00E+17             Y                     2                            12/1/2006
        409165926               1.00E+17             N                     2                            12/1/2006
        409165927               1.00E+17             Y                     2                            12/1/2006
        409165929               1.00E+17             N                     2                            12/1/2006
        409165930               1.00E+17             N                     1                            12/1/2006
        409165931               1.00E+17             Y                     2                            12/1/2006
        409165932               1.00E+17             Y                     2                            12/1/2006
        409192787               1.00E+17             Y                     2                            12/1/2006
        409217292               1.00E+17             Y                     1                            12/1/2006
        409217293               1.00E+17             Y                     2                            12/1/2006
        409217295               1.00E+17             Y                     2                            12/1/2006
        409217297               1.00E+17             Y                     1                            12/1/2006
        409278089               1.00E+17             Y                     2                            12/1/2006
        409278090               1.00E+17             N                     2                            12/1/2006
        409278091               1.00E+17             Y                     2                            12/1/2006
        409331016               1.00E+17             Y                     2                            12/1/2006
        409331017               1.00E+17             Y                     2                            12/1/2006
        409331018               1.00E+17             Y                     2                            12/1/2006
        409331019               1.00E+17             Y                     1                            12/1/2006
        409331020               1.00E+17             Y                     2                            12/1/2006
        409331023               1.00E+17             N                     1                            12/1/2006
        409331026               1.00E+17             N                     2                            12/1/2006
        409331028               1.00E+17             Y                     2                            12/1/2006
        409331029               1.00E+17             Y                     2                            12/1/2006
        409331032               1.00E+17             Y                     2                            12/1/2006
        409331033               1.00E+17             N                     1                            12/1/2006
        409331035               1.00E+17             Y                     2                            12/1/2006
        409331038               1.00E+17             Y                     2                            12/1/2006
        409331039               1.00E+17             N                     2                            12/1/2006
        409331041               1.00E+17             N                     2                            12/1/2006
        409331043               1.00E+17             Y                     1                            12/1/2006
        409331045               1.00E+17             Y                     2                            12/1/2006
        409331049               1.00E+17             N                     1                            12/1/2006
        409331050               1.00E+17             Y                     2                            12/1/2006
        409331052               1.00E+17             Y                     2                            12/1/2006
        409331054               1.00E+17             Y                     2                            12/1/2006
        409331056               1.00E+17             Y                     1                            12/1/2006
        409331057               1.00E+17             Y                     2                            12/1/2006
        409829658                  0                 N                     1                            12/1/2006
        409829691                  0                 Y                     2                            12/1/2006
        409829708                  0                 Y                     2                            12/1/2006
        409829721                  0                 N                     2                            12/1/2006
        409829734                  0                 Y                     2                            12/1/2006
        409829765          1000703-0000133924-8      Y                     2                            12/1/2006
        409829776               1.00E+17             Y                     2                            12/1/2006
        409829780          1000764-0000084269-9      Y                     2                            12/1/2006
        409829781                  0                 N                     2                            12/1/2006
        409829793                  0                 N                     2                            12/1/2006
        409829795               1.00E+17             N                     2                            12/1/2006
        409829803          1000796-0065030144-4      Y                     2                            12/1/2006
        409829813               1.00E+17             Y                     2                            12/1/2006
        409829814               1.00E+17             Y                     2                            12/1/2006
        409829817                  0                 Y                     2                            12/1/2006
        409829823               1.00E+17             Y                     1                            12/1/2006
        409829833          1001147-6200001089-8      Y                     2                            12/1/2006
        409829840          1001142-0100013897-9      Y                     2                            12/1/2006
        409829842                  0                 N                     2                            12/1/2006
        409829849                  0                 Y                     2                            12/1/2006
        409829851          1001142-0100012800-4      Y                     2                            12/1/2006
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        409829881          1000439-0002116112-8      N                     2                            12/1/2006
        409829886                  0                 Y                     2                            12/1/2006
        409829890                  0                 Y                     2                            12/1/2006
        409829898          10020230009280802-9       Y                     2                            12/1/2006
        409829902          1001928-2003002127-0      N                     2                            12/1/2006
        409829912                  0                 N                     1                            12/1/2006
        409829913                  0                 N                     2                            12/1/2006
        409829915                  0                 Y                     2                            12/1/2006
        409829920                  0                 Y                     2                            12/1/2006
        409829924                  0                 N                     2                            12/1/2006
        409829926          1000439-1000105067-0      Y                     2                            12/1/2006
        409829935          1000555-0000032546-5      N                     2                            12/1/2006
        409829964               1.00E+17             N                     2                            12/1/2006
        409829966          1001013-0090306598-5      Y                     2                            12/1/2006
        409829967               1.00E+17             Y                     2                            12/1/2006
        409829970          1000704-0013514014-8      Y                     2                            12/1/2006
        409829995               1.00E+17             Y                     2                            12/1/2006
        409830001               1.00E+17             N                     2                            12/1/2006
        409830005               1.00E+17             Y                     2                            12/1/2006
        409830025          1000912-0001306157-1      N                     2                            12/1/2006
        409830038               1.00E+17             N                     2                            12/1/2006
        409830046          1000916-2002000629-5      Y                     2                            12/1/2006
        409830067                  0                 N                     2                            12/1/2006
        409830079                  0                 N                     2                            12/1/2006
        409830094               1.00E+17             N                     2                            12/1/2006
        409830098          100101-30090305394-0      Y                     2                            12/1/2006
        409830103          1001147-6200001390-0      Y                     2                            12/1/2006
        409830105          1001147-6200001336-3      Y                     2                            12/1/2006
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        409830120          1002560-1000275203-6      Y                     2                            12/1/2006
        409830121          1001631-1000005733-9      N                     2                            12/1/2006
        409830164                 N/Av               Y                     1                            12/1/2006
        409830200          1000703-0000158263-1      N                     2                            12/1/2006
        409830265               1.00E+17             N                     2                            12/1/2006
        500858626               1.00E+17             N                     2                            12/1/2006
        500858627               1.00E+17             N                     1                            12/1/2006
        500858628               1.00E+17             Y                     1                            12/1/2006
        500858629               1.00E+17             Y                     2                            12/1/2006
        500858630               1.00E+17             Y                     2                            12/1/2006
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        500858637               1.00E+17             Y                     2                            12/1/2006
        500858638               1.00E+17             Y                     1                            12/1/2006
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        700354095               1.00E+17             Y                     2                            12/1/2006
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        700372419               1.00E+17             Y                     2                            12/1/2006
        700372482               1.00E+17             Y                     2                            12/1/2006
        700374401               1.00E+17             N                     2                            12/1/2006
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        700374850               1.00E+17             Y                     2                            12/1/2006
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        700382404               1.00E+17             Y                     2                            12/1/2006
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        700384836               1.00E+17             Y                     2                            12/1/2006
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        700393088               1.00E+17             Y                     2                            12/1/2006
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        700393313               1.00E+17             N                     2                            12/1/2006
        700393339               1.00E+17             N                     2                            12/1/2006
        700393384               1.00E+17             Y                     2                            12/1/2006
        700393529               1.00E+17             Y                     2                            12/1/2006
        700393564               1.00E+17             Y                     2                            12/1/2006
        700393626               1.00E+17             Y                     2                            12/1/2006
        700393724               1.00E+17             Y                     1                            12/1/2006
        700394137               1.00E+17             Y                     1                            12/1/2006
        700394217               1.00E+17             Y                     1                            12/1/2006
        700394222               1.00E+17             Y                     2                            12/1/2006
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        700394516               1.00E+17             Y                     1                            12/1/2006
        700394521               1.00E+17             Y                     1                            12/1/2006
        700394545               1.00E+17             Y                     2                            12/1/2006
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        700394628               1.00E+17             Y                     2                            12/1/2006
        700394710               1.00E+17             Y                     2                            12/1/2006
        700394738               1.00E+17             Y                     2                            12/1/2006
        700394919               1.00E+17             N                     2                            12/1/2006
        700395093               1.00E+17             Y                     1                            12/1/2006
        700395180               1.00E+17             N                     2                            12/1/2006
        700395245               1.00E+17             Y                     2                            12/1/2006
        700395421               1.00E+17             Y                     1                            12/1/2006
        700395494               1.00E+17             Y                     2                            12/1/2006
        700395526               1.00E+17             Y                     1                            12/1/2006
        700395533               1.00E+17             Y                     2                            12/1/2006
        700395746               1.00E+17             Y                     2                            12/1/2006
        700395763               1.00E+17             N                     2                            12/1/2006
        700395780               1.00E+17             Y                     2                            12/1/2006
        700395811               1.00E+17             Y                     2                            12/1/2006
        700395867               1.00E+17             Y                     1                            12/1/2006
        700395958               1.00E+17             Y                     1                            12/1/2006
        700395984               1.00E+17             Y                     2                            12/1/2006
        700396064               1.00E+17             Y                     2                            12/1/2006
        700396082               1.00E+17             N                     1                            12/1/2006
        700396131               1.00E+17             Y                     2                            12/1/2006
        700396142               1.00E+17             Y                     2                            12/1/2006
        700396169               1.00E+17             Y                     1                            12/1/2006
        700396189               1.00E+17             N                     1                            12/1/2006
        700396208               1.00E+17             N                     2                            12/1/2006
        700396270               1.00E+17             Y                     2                            12/1/2006
        700396303               1.00E+17             N                     1                            12/1/2006
        700396441               1.00E+17             N                     2                            12/1/2006
        700396750               1.00E+17             Y                     2                            12/1/2006
        700396756               1.00E+17             N                     2                            12/1/2006
        700396767               1.00E+17             Y                     2                            12/1/2006
        700396906               1.00E+17             Y                     2                            12/1/2006
        700397067               1.00E+17             Y                     2                            12/1/2006
        700397097               1.00E+17             Y                     2                            12/1/2006
        700397285               1.00E+17             Y                     2                            12/1/2006
        700397360               1.00E+17             Y                     2                            12/1/2006
        700397428               1.00E+17             Y                     2                            12/1/2006
        700397485               1.00E+17             Y                     2                            12/1/2006
        700397566               1.00E+17             Y                     2                            12/1/2006
        700397670               1.00E+17             Y                     2                            12/1/2006
        700397701               1.00E+17             Y                     1                            12/1/2006
        700397745               1.00E+17             N                     2                            12/1/2006
        700398256               1.00E+17             Y                     2                            12/1/2006
        700398652               1.00E+17             Y                     2                            12/1/2006
        700398789               1.00E+17             Y                     1                            12/1/2006
        700398846               1.00E+17             N                     2                            12/1/2006
        700399043               1.00E+17             Y                     2                            12/1/2006
        700399165               1.00E+17             N                     1                            12/1/2006
        700399256               1.00E+17             N                     2                            12/1/2006
        700399306               1.00E+17             Y                     2                            12/1/2006
        700399379               1.00E+17             N                     2                            12/1/2006
        700399555               1.00E+17             Y                     2                            12/1/2006
        700399650               1.00E+17             Y                     2                            12/1/2006
        700399678               1.00E+17             N                     1                            12/1/2006
        700399777               1.00E+17             Y                     2                            12/1/2006
        700399863               1.00E+17             Y                     2                            12/1/2006
        700399899               1.00E+17             Y                     2                            12/1/2006
        700399982               1.00E+17             Y                     2                            12/1/2006
        700400425               1.00E+17             Y                     2                            12/1/2006
        700400556               1.00E+17             N                     2                            12/1/2006
        700400873               1.00E+17             Y                     2                            12/1/2006
        700400901               1.00E+17             Y                     2                            12/1/2006
        700400965               1.00E+17             Y                     2                            12/1/2006
        700401089               1.00E+17             Y                     2                            12/1/2006
        700401200               1.00E+17             Y                     2                            12/1/2006
        700401222               1.00E+17             N                     1                            12/1/2006
        700401302               1.00E+17             Y                     2                            12/1/2006
        700401422               1.00E+17             Y                     2                            12/1/2006
        700401446               1.00E+17             Y                     1                            12/1/2006
        700401455               1.00E+17             Y                     2                            12/1/2006
        700401592               1.00E+17             Y                     1                            12/1/2006
        700401600               1.00E+17             Y                     2                            12/1/2006
        700401782               1.00E+17             Y                     2                            12/1/2006
        700401849               1.00E+17             N                     2                            12/1/2006
        700401853               1.00E+17             Y                     2                            12/1/2006
        700401874               1.00E+17             Y                     2                            12/1/2006
        700401920               1.00E+17             Y                     2                            12/1/2006
        700401957               1.00E+17             N                     2                            12/1/2006
        700401961               1.00E+17             Y                     2                            12/1/2006
        700402182               1.00E+17             Y                     2                            12/1/2006
        700402265               1.00E+17             Y                     2                            12/1/2006
        700402409               1.00E+17             N                     2                            12/1/2006
        700402444               1.00E+17             Y                     1                            12/1/2006
        700402483               1.00E+17             Y                     2                            12/1/2006
        700402529               1.00E+17             Y                     2                            12/1/2006
        700402686               1.00E+17             Y                     2                            12/1/2006
        700402712               1.00E+17             Y                     2                            12/1/2006
        700402779               1.00E+17             Y                     1                            12/1/2006
        700402786               1.00E+17             Y                     2                            12/1/2006
        700402991               1.00E+17             Y                     1                            12/1/2006
        700403083               1.00E+17             Y                     2                            12/1/2006
        700403136               1.00E+17             Y                     2                            12/1/2006
        700403174               1.00E+17             Y                     2                            12/1/2006
        700403175               1.00E+17             Y                     2                            12/1/2006
        700403225               1.00E+17             Y                     1                            12/1/2006
        700403227               1.00E+17             Y                     1                            12/1/2006
        700403354               1.00E+17             Y                     2                            12/1/2006
        700403413               1.00E+17             Y                     2                            12/1/2006
        700403488               1.00E+17             Y                     2                            12/1/2006
        700403558               1.00E+17             Y                     2                            12/1/2006
        700403568               1.00E+17             Y                     2                            12/1/2006
        700403587               1.00E+17             Y                     2                            12/1/2006
        700403721               1.00E+17             Y                     2                            12/1/2006
        700403752               1.00E+17             N                     2                            12/1/2006
        700403806               1.00E+17             Y                     2                            12/1/2006
        700403815               1.00E+17             Y                     2                            12/1/2006
        700403831               1.00E+17             Y                     2                            12/1/2006
        700403876               1.00E+17             Y                     2                            12/1/2006
        700404027               1.00E+17             Y                     2                            12/1/2006
        700404102               1.00E+17             Y                     2                            12/1/2006
        700404318               1.00E+17             N                     2                            12/1/2006
        700404352               1.00E+17             Y                     2                            12/1/2006
        700404607               1.00E+17             Y                     2                            12/1/2006
        700404641               1.00E+17             Y                     2                            12/1/2006
        700404756               1.00E+17             Y                     1                            12/1/2006
        700404807               1.00E+17             Y                     2                            12/1/2006
        700404867               1.00E+17             N                     2                            12/1/2006
        700404897               1.00E+17             N                     2                            12/1/2006
        700404907               1.00E+17             Y                     2                            12/1/2006
        700405023               1.00E+17             Y                     2                            12/1/2006
        700405033               1.00E+17             Y                     2                            12/1/2006
        700405038               1.00E+17             Y                     1                            12/1/2006
        700405065               1.00E+17             Y                     1                            12/1/2006
        700405085               1.00E+17             Y                     2                            12/1/2006
        700405104               1.00E+17             Y                     2                            12/1/2006
        700405122               1.00E+17             Y                     2                            12/1/2006
        700405247               1.00E+17             N                     1                            12/1/2006
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        700405347               1.00E+17             Y                     2                            12/1/2006
        700405348               1.00E+17             Y                     2                            12/1/2006
        700405360               1.00E+17             Y                     1                            12/1/2006
        700405379               1.00E+17             Y                     2                            12/1/2006
        700405383               1.00E+17             N                     2                            12/1/2006
        700405493               1.00E+17             Y                     1                            12/1/2006
        700405514               1.00E+17             Y                     1                            12/1/2006
        700405760               1.00E+17             N                     2                            12/1/2006
        700405829               1.00E+17             Y                     2                            12/1/2006
        700405894               1.00E+17             Y                     1                            12/1/2006
        700405947               1.00E+17             Y                     2                            12/1/2006
        700406019               1.00E+17             Y                     2                            12/1/2006
        700406117               1.00E+17             N                     2                            12/1/2006
        700406203               1.00E+17             Y                     2                            12/1/2006
        700406246               1.00E+17             Y                     2                            12/1/2006
        700406248               1.00E+17             N                     2                            12/1/2006
        700406296               1.00E+17             Y                     2                            12/1/2006
        700406348               1.00E+17             Y                     2                            12/1/2006
        700406445               1.00E+17             Y                     1                            12/1/2006
        700406490               1.00E+17             Y                     2                            12/1/2006
        700406504               1.00E+17             Y                     1                            12/1/2006
        700406525               1.00E+17             Y                     2                            12/1/2006
        700406543               1.00E+17             Y                     2                            12/1/2006
        700406624               1.00E+17             Y                     2                            12/1/2006
        700406727               1.00E+17             Y                     2                            12/1/2006
        700406828               1.00E+17             Y                     2                            12/1/2006
        700406856               1.00E+17             N                     2                            12/1/2006
        700407046               1.00E+17             N                     2                            12/1/2006
        700407232               1.00E+17             Y                     2                            12/1/2006
        700407380               1.00E+17             Y                     2                            12/1/2006
        700407416               1.00E+17             Y                     2                            12/1/2006
        700407453               1.00E+17             Y                     1                            12/1/2006
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        700408016               1.00E+17             Y                     2                            12/1/2006
        700408050               1.00E+17             Y                     1                            12/1/2006
        700408177               1.00E+17             N                     1                            12/1/2006
        700408189               1.00E+17             N                     2                            12/1/2006
        700408211               1.00E+17             N                     1                            12/1/2006
        700408269               1.00E+17             Y                     2                            12/1/2006
        700408287               1.00E+17             Y                     2                            12/1/2006
        700408399               1.00E+17             N                     2                            12/1/2006
        700408415               1.00E+17             Y                     2                            12/1/2006
        700408473               1.00E+17             Y                     1                            12/1/2006
        700408509               1.00E+17             Y                     1                            12/1/2006
        700408606               1.00E+17             Y                     2                            12/1/2006
        700408620               1.00E+17             Y                     1                            12/1/2006
        700408643               1.00E+17             Y                     2                            12/1/2006
        700408722               1.00E+17             Y                     1                            12/1/2006
        700408735               1.00E+17             N                     2                            12/1/2006
        700408826               1.00E+17             Y                     1                            12/1/2006
        700408876               1.00E+17             Y                     2                            12/1/2006
        700408926               1.00E+17             Y                     2                            12/1/2006
        700408960               1.00E+17             Y                     2                            12/1/2006
        700409139               1.00E+17             Y                     2                            12/1/2006
        700409161               1.00E+17             Y                     1                            12/1/2006
        700409179               1.00E+17             Y                     2                            12/1/2006
        700409187               1.00E+17             Y                     2                            12/1/2006
        700409219               1.00E+17             Y                     2                            12/1/2006
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        700409375               1.00E+17             Y                     2                            12/1/2006
        700409392               1.00E+17             Y                     2                            12/1/2006
        700409412               1.00E+17             N                     2                            12/1/2006
        700409492               1.00E+17             Y                     2                            12/1/2006
        700409532               1.00E+17             Y                     1                            12/1/2006
        700409555               1.00E+17             Y                     2                            12/1/2006
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        700409694               1.00E+17             Y                     1                            12/1/2006
        700409761               1.00E+17             Y                     2                            12/1/2006
        700409870               1.00E+17             Y                     2                            12/1/2006
        700409878               1.00E+17             N                     2                            12/1/2006
        700410021               1.00E+17             Y                     2                            12/1/2006
        700410056               1.00E+17             Y                     2                            12/1/2006
        700410059               1.00E+17             Y                     1                            12/1/2006
        700410139               1.00E+17             N                     2                            12/1/2006
        700410298               1.00E+17             Y                     2                            12/1/2006
        700410321               1.00E+17             Y                     2                            12/1/2006
        700410366               1.00E+17             Y                     2                            12/1/2006
        700410436               1.00E+17             N                     2                            12/1/2006
        700410446               1.00E+17             Y                     2                            12/1/2006
        700410472               1.00E+17             Y                     2                            12/1/2006
        700410481               1.00E+17             Y                     2                            12/1/2006
        700410485               1.00E+17             Y                     2                            12/1/2006
        700410519               1.00E+17             Y                     1                            12/1/2006
        700410578               1.00E+17             Y                     2                            12/1/2006
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        700410668               1.00E+17             Y                     2                            12/1/2006
        700410698               1.00E+17             Y                     2                            12/1/2006
        700410723               1.00E+17             N                     2                            12/1/2006
        700410773               1.00E+17             Y                     2                            12/1/2006
        700410860               1.00E+17             N                     1                            12/1/2006
        700410867               1.00E+17             Y                     2                            12/1/2006
        700411014               1.00E+17             N                     2                            12/1/2006
        700411409               1.00E+17             Y                     2                            12/1/2006
        700411422               1.00E+17             Y                     2                            12/1/2006
        700411435               1.00E+17             Y                     2                            12/1/2006
        700411536               1.00E+17             N                     2                            12/1/2006
        700411689               1.00E+17             Y                     1                            12/1/2006
        700411727               1.00E+17             Y                     2                            12/1/2006
        700411796               1.00E+17             N                     2                            12/1/2006
        700411801               1.00E+17             Y                     2                            12/1/2006
        700411809               1.00E+17             Y                     2                            12/1/2006
        700411841               1.00E+17             Y                     2                            12/1/2006
        700411994               1.00E+17             Y                     2                            12/1/2006
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        700412206               1.00E+17             Y                     2                            12/1/2006
        700412272               1.00E+17             Y                     1                            12/1/2006
        700412276               1.00E+17             N                     1                            12/1/2006
        700412296               1.00E+17             Y                     2                            12/1/2006
        700412367               1.00E+17             Y                     2                            12/1/2006
        700412391               1.00E+17             Y                     2                            12/1/2006
        700412404               1.00E+17             Y                     1                            12/1/2006
        700412426               1.00E+17             Y                     2                            12/1/2006
        700412431               1.00E+17             Y                     2                            12/1/2006
        700412438               1.00E+17             Y                     2                            12/1/2006
        700412549               1.00E+17             Y                     2                            12/1/2006
        700412600               1.00E+17             Y                     2                            12/1/2006
        700412653               1.00E+17             Y                     2                            12/1/2006
        700412689               1.00E+17             Y                     2                            12/1/2006
        700412870               1.00E+17             Y                     1                            12/1/2006
        700412891               1.00E+17             Y                     1                            12/1/2006
        700412922               1.00E+17             Y                     2                            12/1/2006
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        700413150               1.00E+17             Y                     2                            12/1/2006
        700413156               1.00E+17             Y                     2                            12/1/2006
        700413174               1.00E+17             Y                     2                            12/1/2006
        700413271               1.00E+17             Y                     2                            12/1/2006
        700413395               1.00E+17             Y                     1                            12/1/2006
        700413400               1.00E+17             Y                     2                            12/1/2006
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        700413568               1.00E+17             Y                     2                            12/1/2006
        700413590               1.00E+17             Y                     2                            12/1/2006
        700413595               1.00E+17             Y                     2                            12/1/2006
        700413662               1.00E+17             N                     2                            12/1/2006
        700413707               1.00E+17             N                     2                            12/1/2006
        700413708               1.00E+17             Y                     2                            12/1/2006
        700413727               1.00E+17             N                     2                            12/1/2006
        700413793               1.00E+17             Y                     1                            12/1/2006
        700413833               1.00E+17             Y                     2                            12/1/2006
        700413880               1.00E+17             Y                     2                            12/1/2006
        700413927               1.00E+17             Y                     2                            12/1/2006
        700414021               1.00E+17             N                     2                            12/1/2006
        700414064               1.00E+17             N                     2                            12/1/2006
        700414172               1.00E+17             N                     2                            12/1/2006
        700414448               1.00E+17             N                     2                            12/1/2006
        700414468               1.00E+17             Y                     2                            12/1/2006
        700414569               1.00E+17             Y                     1                            12/1/2006
        700414608               1.00E+17             Y                     2                            12/1/2006
        700414621               1.00E+17             Y                     1                            12/1/2006
        700414631               1.00E+17             Y                     2                            12/1/2006
        700414654               1.00E+17             Y                     2                            12/1/2006
        700414741               1.00E+17             Y                     2                            12/1/2006
        700414753               1.00E+17             Y                     2                            12/1/2006
        700414824               1.00E+17             Y                     2                            12/1/2006
        700414858               1.00E+17             Y                     2                            12/1/2006
        700414901               1.00E+17             N                     2                            12/1/2006
        700414909               1.00E+17             Y                     2                            12/1/2006
        700414910               1.00E+17             Y                     2                            12/1/2006
        700414929               1.00E+17             Y                     2                            12/1/2006
        700414972               1.00E+17             Y                     2                            12/1/2006
        700415102               1.00E+17             Y                     2                            12/1/2006
        700415162               1.00E+17             N                     1                            12/1/2006
        700415348               1.00E+17             Y                     2                            12/1/2006
        700415353               1.00E+17             Y                     2                            12/1/2006
        700415419               1.00E+17             N                     2                            12/1/2006
        700415434               1.00E+17             Y                     1                            12/1/2006
        700415456               1.00E+17             Y                     2                            12/1/2006
        700415469               1.00E+17             N                     2                            12/1/2006
        700415495               1.00E+17             Y                     2                            12/1/2006
        700415559               1.00E+17             Y                     1                            12/1/2006
        700415602               1.00E+17             Y                     2                            12/1/2006
        700415631               1.00E+17             Y                     1                            12/1/2006
        700415632               1.00E+17             Y                     2                            12/1/2006
        700415725               1.00E+17             N                     2                            12/1/2006
        700415726               1.00E+17             N                     2                            12/1/2006
        700415728               1.00E+17             N                     2                            12/1/2006
        700415758               1.00E+17             N                     2                            12/1/2006
        700415782               1.00E+17             Y                     2                            12/1/2006
        700415874               1.00E+17             Y                     2                            12/1/2006
        700415935               1.00E+17             N                     2                            12/1/2006
        700416023               1.00E+17             Y                     1                            12/1/2006
        700416036               1.00E+17             Y                     2                            12/1/2006
        700416047               1.00E+17             Y                     2                            12/1/2006
        700416115               1.00E+17             Y                     2                            12/1/2006
        700416191               1.00E+17             N                     1                            12/1/2006
        700416201               1.00E+17             Y                     2                            12/1/2006
        700416273               1.00E+17             Y                     2                            12/1/2006
        700416310               1.00E+17             Y                     1                            12/1/2006
        700416323               1.00E+17             Y                     2                            12/1/2006
        700416339               1.00E+17             N                     2                            12/1/2006
        700416368               1.00E+17             Y                     2                            12/1/2006
        700416475               1.00E+17             Y                     2                            12/1/2006
        700416527               1.00E+17             Y                     2                            12/1/2006
        700416536               1.00E+17             Y                     2                            12/1/2006
        700416541               1.00E+17             Y                     2                            12/1/2006
        700416552               1.00E+17             Y                     2                            12/1/2006
        700416609               1.00E+17             Y                     2                            12/1/2006
        700416711               1.00E+17             Y                     2                            12/1/2006
        700416756               1.00E+17             Y                     2                            12/1/2006
        700416797               1.00E+17             Y                     2                            12/1/2006
        700416875               1.00E+17             Y                     2                            12/1/2006
        700416925               1.00E+17             Y                     2                            12/1/2006
        700417084               1.00E+17             Y                     2                            12/1/2006
        700417090               1.00E+17             Y                     2                            12/1/2006
        700417118               1.00E+17             N                     2                            12/1/2006
        700417153               1.00E+17             Y                     2                            12/1/2006
        700417260               1.00E+17             Y                     2                            12/1/2006
        700417343               1.00E+17             Y                     2                            12/1/2006
        700417435               1.00E+17             Y                     2                            12/1/2006
        700417463               1.00E+17             Y                     2                            12/1/2006
        700417511               1.00E+17             Y                     2                            12/1/2006
        700417515               1.00E+17             Y                     1                            12/1/2006
        700417521               1.00E+17             Y                     1                            12/1/2006
        700417537               1.00E+17             Y                     1                            12/1/2006
        700417542               1.00E+17             Y                     2                            12/1/2006
        700417548               1.00E+17             N                     2                            12/1/2006
        700417555               1.00E+17             N                     1                            12/1/2006
        700417613               1.00E+17             N                     2                            12/1/2006
        700417683               1.00E+17             N                     1                            12/1/2006
        700417701               1.00E+17             Y                     2                            12/1/2006
        700417712               1.00E+17             N                     2                            12/1/2006
        700417737               1.00E+17             Y                     2                            12/1/2006
        700417759               1.00E+17             Y                     1                            12/1/2006
        700417793               1.00E+17             Y                     1                            12/1/2006
        700417842               1.00E+17             Y                     2                            12/1/2006
        700417854               1.00E+17             Y                     1                            12/1/2006
        700417863               1.00E+17             Y                     2                            12/1/2006
        700417870               1.00E+17             Y                     2                            12/1/2006
        700417951               1.00E+17             N                     2                            12/1/2006
        700417960               1.00E+17             N                     2                            12/1/2006
        700417961               1.00E+17             N                     1                            12/1/2006
        700418028               1.00E+17             Y                     2                            12/1/2006
        700418223               1.00E+17             N                     2                            12/1/2006
        700418277               1.00E+17             N                     2                            12/1/2006
        700418280               1.00E+17             Y                     1                            12/1/2006
        700418286               1.00E+17             N                     2                            12/1/2006
        700418369               1.00E+17             Y                     1                            12/1/2006
        700418381               1.00E+17             Y                     1                            12/1/2006
        700418467               1.00E+17             Y                     2                            12/1/2006
        700418711               1.00E+17             Y                     1                            12/1/2006
        700418772               1.00E+17             N                     2                            12/1/2006
        700418773               1.00E+17             Y                     1                            12/1/2006
        700418959               1.00E+17             Y                     2                            12/1/2006
        700419067               1.00E+17             Y                     2                            12/1/2006
        700419177               1.00E+17             N                     2                            12/1/2006
        700419240               1.00E+17             Y                     2                            12/1/2006
        700419290               1.00E+17             Y                     2                            12/1/2006
        700419308               1.00E+17             Y                     2                            12/1/2006
        700419320               1.00E+17             Y                     2                            12/1/2006
        700419368               1.00E+17             Y                     2                            12/1/2006
        700419390               1.00E+17             Y                     1                            12/1/2006
        700419406               1.00E+17             N                     2                            12/1/2006
        700419449               1.00E+17             N                     2                            12/1/2006
        700419459               1.00E+17             Y                     2                            12/1/2006
        700419549               1.00E+17             Y                     1                            12/1/2006
        700419607               1.00E+17             Y                     2                            12/1/2006
        700419650               1.00E+17             Y                     2                            12/1/2006
        700419706               1.00E+17             Y                     2                            12/1/2006
        700419881               1.00E+17             Y                     2                            12/1/2006
        700419956               1.00E+17             Y                     2                            12/1/2006
        700419969               1.00E+17             Y                     2                            12/1/2006
        700420001               1.00E+17             Y                     2                            12/1/2006
        700420048               1.00E+17             Y                     1                            12/1/2006
        700420193               1.00E+17             N                     2                            12/1/2006
        700420431               1.00E+17             Y                     2                            12/1/2006
        700420508               1.00E+17             N                     2                            12/1/2006
        700420536               1.00E+17             N                     2                            12/1/2006
        700420763               1.00E+17             Y                     2                            12/1/2006
        700420811               1.00E+17             Y                     2                            12/1/2006
        700420889               1.00E+17             Y                     2                            12/1/2006
        700420901               1.00E+17             N                     2                            12/1/2006
        700420984               1.00E+17             Y                     2                            12/1/2006
        700420998               1.00E+17             Y                     2                            12/1/2006
        700421051               1.00E+17             N                     2                            12/1/2006
        700421218               1.00E+17             Y                     2                            12/1/2006
        700421243               1.00E+17             Y                     2                            12/1/2006
        700421296               1.00E+17             N                     2                            12/1/2006
        700421343               1.00E+17             Y                     2                            12/1/2006
        700421365               1.00E+17             N                     2                            12/1/2006
        700421394               1.00E+17             Y                     2                            12/1/2006
        700421428               1.00E+17             Y                     1                            12/1/2006
        700421429               1.00E+17             Y                     2                            12/1/2006
        700421670               1.00E+17             Y                     2                            12/1/2006
        700421786               1.00E+17             N                     2                            12/1/2006
        700421831               1.00E+17             N                     2                            12/1/2006
        700421898               1.00E+17             Y                     2                            12/1/2006
        700421961               1.00E+17             N                     1                            12/1/2006
        700422011               1.00E+17             Y                     2                            12/1/2006
        700422119               1.00E+17             Y                     1                            12/1/2006
        700422143               1.00E+17             N                     2                            12/1/2006
        700422200               1.00E+17             Y                     1                            12/1/2006
        700422221               1.00E+17             Y                     2                            12/1/2006
        700422224               1.00E+17             Y                     2                            12/1/2006
        700422227               1.00E+17             Y                     2                            12/1/2006
        700422284               1.00E+17             N                     2                            12/1/2006
        700422294               1.00E+17             N                     2                            12/1/2006
        700422394               1.00E+17             Y                     1                            12/1/2006
        700422503               1.00E+17             N                     2                            12/1/2006
        700422664               1.00E+17             Y                     2                            12/1/2006
        700422673               1.00E+17             N                     2                            12/1/2006
        700422693               1.00E+17             Y                     2                            12/1/2006
        700422694               1.00E+17             N                     1                            12/1/2006
        700422714               1.00E+17             N                     2                            12/1/2006
        700422718               1.00E+17             Y                     1                            12/1/2006
        700423148               1.00E+17             Y                     2                            12/1/2006
        700423215               1.00E+17             Y                     2                            12/1/2006
        700423252               1.00E+17             Y                     2                            12/1/2006
        700423345               1.00E+17             Y                     2                            12/1/2006
        700423416               1.00E+17             Y                     2                            12/1/2006
        700423420               1.00E+17             Y                     2                            12/1/2006
        700423445               1.00E+17             Y                     2                            12/1/2006
        700423513               1.00E+17             Y                     2                            12/1/2006
        700423536               1.00E+17             Y                     2                            12/1/2006
        700423549               1.00E+17             Y                     2                            12/1/2006
        700423740               1.00E+17             Y                     2                            12/1/2006
        700423758               1.00E+17             Y                     2                            12/1/2006
        700423836               1.00E+17             Y                     2                            12/1/2006
        700423995               1.00E+17             Y                     2                            12/1/2006
        700424008               1.00E+17             Y                     2                            12/1/2006
        700424042               1.00E+17             Y                     2                            12/1/2006
        700424044               1.00E+17             Y                     1                            12/1/2006
        700424165               1.00E+17             Y                     1                            12/1/2006
        700424174               1.00E+17             Y                     2                            12/1/2006
        700424199               1.00E+17             Y                     1                            12/1/2006
        700424204               1.00E+17             Y                     2                            12/1/2006
        700424217               1.00E+17             Y                     1                            12/1/2006
        700424272               1.00E+17             N                     2                            12/1/2006
        700424448               1.00E+17             Y                     1                            12/1/2006
        700424462               1.00E+17             Y                     2                            12/1/2006
        700424489               1.00E+17             N                     2                            12/1/2006
        700424530               1.00E+17             Y                     1                            12/1/2006
        700424757               1.00E+17             Y                     2                            12/1/2006
        700424814               1.00E+17             Y                     2                            12/1/2006
        700424847               1.00E+17             Y                     1                            12/1/2006
        700424964               1.00E+17             N                     2                            12/1/2006
        700424968               1.00E+17             Y                     2                            12/1/2006
        700425183               1.00E+17             Y                     1                            12/1/2006
        700425202               1.00E+17             Y                     2                            12/1/2006
        700425211               1.00E+17             Y                     2                            12/1/2006
        700425212               1.00E+17             Y                     2                            12/1/2006
        700425228               1.00E+17             Y                     2                            12/1/2006
        700425259               1.00E+17             Y                     2                            12/1/2006
        700425398               1.00E+17             Y                     2                            12/1/2006
        700425442               1.00E+17             Y                     2                            12/1/2006
        700425444               1.00E+17             Y                     2                            12/1/2006
        700425556               1.00E+17             Y                     2                            12/1/2006
        700425578               1.00E+17             Y                     2                            12/1/2006
        700425730               1.00E+17             Y                     2                            12/1/2006
        700425758               1.00E+17             Y                     1                            12/1/2006
        700425834               1.00E+17             Y                     2                            12/1/2006
        700425853               1.00E+17             Y                     2                            12/1/2006
        700425959               1.00E+17             Y                     2                            12/1/2006
        700426038               1.00E+17             N                     2                            12/1/2006
        700426061               1.00E+17             Y                     1                            12/1/2006
        700426169               1.00E+17             Y                     2                            12/1/2006
        700426180               1.00E+17             N                     2                            12/1/2006
        700426181               1.00E+17             Y                     2                            12/1/2006
        700426227               1.00E+17             Y                     2                            12/1/2006
        700426316               1.00E+17             Y                     2                            12/1/2006
        700426326               1.00E+17             Y                     1                            12/1/2006
        700426462               1.00E+17             Y                     1                            12/1/2006
        700426583               1.00E+17             Y                     2                            12/1/2006
        700426618               1.00E+17             Y                     2                            12/1/2006
        700426725               1.00E+17             N                     2                            12/1/2006
        700426803               1.00E+17             N                     2                            12/1/2006
        700426860               1.00E+17             Y                     2                            12/1/2006
        700427003               1.00E+17             Y                     2                            12/1/2006
        700427083               1.00E+17             N                     2                            12/1/2006
        700427103               1.00E+17             Y                     2                            12/1/2006
        700427213               1.00E+17             N                     2                            12/1/2006
        700427337               1.00E+17             Y                     1                            12/1/2006
        700427364               1.00E+17             N                     1                            12/1/2006
        700427453               1.00E+17             Y                     2                            12/1/2006
        700427493               1.00E+17             Y                     2                            12/1/2006
        700427540               1.00E+17             Y                     1                            12/1/2006
        700427583               1.00E+17             N                     2                            12/1/2006
        700427617               1.00E+17             N                     1                            12/1/2006
        700427791               1.00E+17             Y                     2                            12/1/2006
        700427857               1.00E+17             Y                     2                            12/1/2006
        700427886               1.00E+17             Y                     2                            12/1/2006
        700427901               1.00E+17             N                     1                            12/1/2006
        700427934               1.00E+17             Y                     2                            12/1/2006
        700427951               1.00E+17             Y                     1                            12/1/2006
        700427998               1.00E+17             N                     2                            12/1/2006
        700428001               1.00E+17             Y                     2                            12/1/2006
        700428110               1.00E+17             Y                     2                            12/1/2006
        700428147               1.00E+17             N                     2                            12/1/2006
        700428162               1.00E+17             Y                     2                            12/1/2006
        700428425               1.00E+17             Y                     2                            12/1/2006
        700428483               1.00E+17             Y                     1                            12/1/2006
        700428544               1.00E+17             Y                     2                            12/1/2006
        700428579               1.00E+17             N                     2                            12/1/2006
        700428721               1.00E+17             Y                     1                            12/1/2006
        700428795               1.00E+17             Y                     2                            12/1/2006
        700428800               1.00E+17             Y                     2                            12/1/2006
        700428815               1.00E+17             Y                     2                            12/1/2006
        700428877               1.00E+17             Y                     2                            12/1/2006
        700428897               1.00E+17             Y                     1                            12/1/2006
        700428951               1.00E+17             N                     2                            12/1/2006
        700429032               1.00E+17             Y                     2                            12/1/2006
        700429107               1.00E+17             N                     1                            12/1/2006
        700429318               1.00E+17             Y                     2                            12/1/2006
        700429399               1.00E+17             N                     2                            12/1/2006
        700429410               1.00E+17             Y                     2                            12/1/2006
        700429515               1.00E+17             N                     2                            12/1/2006
        700429608               1.00E+17             Y                     1                            12/1/2006
        700429657               1.00E+17             Y                     2                            12/1/2006
        700429661               1.00E+17             Y                     2                            12/1/2006
        700429850               1.00E+17             Y                     2                            12/1/2006
        700429899               1.00E+17             Y                     2                            12/1/2006
        700429956               1.00E+17             Y                     1                            12/1/2006
        700429970               1.00E+17             Y                     2                            12/1/2006
        700430110               1.00E+17             Y                     2                            12/1/2006
        700430181               1.00E+17             Y                     1                            12/1/2006
        700430223               1.00E+17             N                     2                            12/1/2006
        700430407               1.00E+17             Y                     2                            12/1/2006
        700430456               1.00E+17             Y                     2                            12/1/2006
        700430477               1.00E+17             N                     2                            12/1/2006
        700430525               1.00E+17             Y                     2                            12/1/2006
        700430559               1.00E+17             N                     2                            12/1/2006
        700430606               1.00E+17             Y                     2                            12/1/2006
        700430614               1.00E+17             Y                     2                            12/1/2006
        700430683               1.00E+17             Y                     2                            12/1/2006
        700430738               1.00E+17             Y                     2                            12/1/2006
        700430837               1.00E+17             Y                     2                            12/1/2006
        700430841               1.00E+17             Y                     2                            12/1/2006
        700430906               1.00E+17             Y                     2                            12/1/2006
        700430915               1.00E+17             Y                     1                            12/1/2006
        700431129               1.00E+17             Y                     1                            12/1/2006
        700431216               1.00E+17             Y                     2                            12/1/2006
        700431252               1.00E+17             Y                     2                            12/1/2006
        700431309               1.00E+17             Y                     2                            12/1/2006
        700431400               1.00E+17             Y                     2                            12/1/2006
        700431716               1.00E+17             Y                     2                            12/1/2006
        700431754               1.00E+17             Y                     2                            12/1/2006
        700431888               1.00E+17             N                     1                            12/1/2006
        700431914               1.00E+17             N                     2                            12/1/2006
        700432029               1.00E+17             Y                     2                            12/1/2006
        700432093               1.00E+17             Y                     2                            12/1/2006
        700432358               1.00E+17             Y                     2                            12/1/2006
        700432436               1.00E+17             Y                     2                            12/1/2006
        700432618               1.00E+17             N                     2                            12/1/2006
        700432796               1.00E+17             N                     2                            12/1/2006
        700432834               1.00E+17             Y                     2                            12/1/2006
        700432937               1.00E+17             Y                     2                            12/1/2006
        700433131               1.00E+17             N                     2                            12/1/2006
        700433178               1.00E+17             Y                     2                            12/1/2006
        700433191               1.00E+17             N                     1                            12/1/2006
        700433223               1.00E+17             Y                     2                            12/1/2006
        700433229               1.00E+17             N                     1                            12/1/2006
        700433329               1.00E+17             Y                     1                            12/1/2006
        700433351               1.00E+17             Y                     1                            12/1/2006
        700433390               1.00E+17             Y                     2                            12/1/2006
        700433432               1.00E+17             Y                     2                            12/1/2006
        700433466               1.00E+17             N                     1                            12/1/2006
        700433514               1.00E+17             Y                     2                            12/1/2006
        700433567               1.00E+17             N                     2                            12/1/2006
        700433579               1.00E+17             Y                     2                            12/1/2006
        700433742               1.00E+17             Y                     2                            12/1/2006
        700433769               1.00E+17             Y                     2                            12/1/2006
        700434618               1.00E+17             Y                     2                            12/1/2006
        700434808               1.00E+17             N                     1                            12/1/2006
        700434881               1.00E+17             Y                     2                            12/1/2006
        700434956               1.00E+17             Y                     2                            12/1/2006
        700435028               1.00E+17             Y                     2                            12/1/2006
        700435080               1.00E+17             Y                     2                            12/1/2006
        700435197               1.00E+17             N                     1                            12/1/2006
        700435202               1.00E+17             Y                     2                            12/1/2006
        700435226               1.00E+17             N                     1                            12/1/2006
        700435359               1.00E+17             Y                     2                            12/1/2006
        700435495               1.00E+17             Y                     2                            12/1/2006
        700435826               1.00E+17             Y                     2                            12/1/2006
        700436412               1.00E+17             Y                     2                            12/1/2006
        700436922               1.00E+17             N                     2                            12/1/2006
        700437064               1.00E+17             Y                     2                            12/1/2006
        700437144               1.00E+17             N                     2                            12/1/2006
        700437164               1.00E+17             Y                     1                            12/1/2006
        700437893               1.00E+17             Y                     2                            12/1/2006
        700438145               1.00E+17             Y                     2                            12/1/2006
        700438240               1.00E+17             Y                     2                            12/1/2006
        700439222               1.00E+17             N                     2                            12/1/2006
        700439347               1.00E+17             Y                     2                            12/1/2006
        700439553               1.00E+17             Y                     2                            12/1/2006
        700439656               1.00E+17             Y                     2                            12/1/2006
        700440158               1.00E+17             N                     2                            12/1/2006
        700440735               1.00E+17             Y                     2                            12/1/2006
        700440907               1.00E+17             Y                     1                            12/1/2006
        700440908               1.00E+17             Y                     2                            12/1/2006
        700441427               1.00E+17             Y                     2                            12/1/2006
        700442709               1.00E+17             Y                     1                            12/1/2006
        700442784               1.00E+17             Y                     2                            12/1/2006
        700443456               1.00E+17             Y                     2                            12/1/2006
        700443633               1.00E+17             Y                     2                            12/1/2006
        700445641               1.00E+17             Y                     2                            12/1/2006

      
        
          
          

        

        
          
          

          
            

          

        

        
          
          

        

      

      SCHEDULE
        II

       

      SELLER'S
        REPRESENTATIONS AND WARRANTIES

       

      (i) The
        Seller is a corporation duly organized, validly existing and in good standing
        under the laws of the state of its incorporation;

       

      (ii) the
        Seller has full corporate power to own its property, to carry on its business
        as
        presently conducted and to enter into and perform its obligations under this
        Agreement;

       

      (iii) the
        execution and delivery by the Seller of this Agreement have been duly authorized
        by all necessary corporate action on the part of the Seller; and neither
        the
        execution and delivery of this Agreement, nor the consummation of the
        transactions herein contemplated hereby, nor compliance with the provisions
        hereof, will conflict with or result in a breach of, or constitute a default
        under, any of the provisions of any law, governmental rule, regulation,
        judgment, decree or order binding on the Seller or its properties or the
        certificate of incorporation or by-laws of the Seller, except those conflicts,
        breaches or defaults which would not reasonably be expected to have a material
        adverse effect on the Seller's ability to enter into this Agreement and to
        consummate the transactions contemplated hereby;

       

      (iv) the
        execution, delivery and performance by the Seller of this Agreement and the
        consummation of the transactions contemplated hereby do not require the consent
        or approval of, the giving of notice to, the registration with, or the taking
        of
        any other action in respect of, any state, federal or other governmental
        authority or agency, except those consents, approvals, notices, registrations
        or
        other actions as have already been obtained, given or made and, in connection
        with the recordation of the Mortgages, powers of attorney or assignments
        of
        Mortgages not yet completed;

       

      (v) this
        Agreement has been duly executed and delivered by the Seller and, assuming
        due
        authorization, execution and delivery by the Trustee, the Servicer and the
        Depositor, constitutes a valid and binding obligation of the Seller enforce
        able
        against it in accordance with its terms (subject to applicable bankruptcy
        and
        insolvency laws and other similar laws affecting the enforcement of the rights
        of creditors generally); and

       

      (vi) there
        are
        no actions, litigation, suits or proceedings pending or to the knowledge
        of the
        Seller, threatened against the Seller before or by any court, administrative
        agency, arbitrator or governmental body (i) with respect to any of the
        transactions contemplated by this Agreement or (ii) with respect to any other
        matter which in the judgment of the Seller if determined adversely to the
        Seller
        would reasonably be expected to materially and adversely affect the Seller's
        ability to perform its obligations under this Agreement; and the Seller is
        not
        in default with respect to any order of any court, administrative agency,
        arbitrator or governmental body so as to materially and adversely affect
        the
        transactions contemplated by this Agreement.

       

      

       

      
        
          
          

        

        
          
          

          
            

          

        

        
          
          

        

      

      SCHEDULE
        III A

       

      REPRESENTATIONS
        AND WARRANTIES of SELECT PORTFOLIO SERVICING, INC.

       

      SPS,
        in
        its capacity as Servicer, hereby makes the representations and warranties
        set
        forth in this Schedule III D to the Depositor and the Trustee, as of the
        Closing
        Date, or if so specified herein, as of the Cut-off Date or such other date
        as
        may be specified.

      

      (i) SPS
        is a
        corporation duly formed, validly existing and in good standing under the
        laws of
        the jurisdiction of its incorporation and is qualified under the laws of
        each
        state where required by applicable law or is otherwise exempt under applicable
        law from such qualification.

       

      (ii) SPS
        has
        all requisite corporate power, authority and capacity to enter into the
        Agreement and to perform the obligations required of it thereunder. The
        Agreement (assuming the due authorization and execution of the Agreement
        by the
        other parties thereto) constitutes a valid and legally binding agreement
        of SPS
        enforceable in accordance with its terms, except as such enforceability may
        be
        limited by bankruptcy, insolvency, moratorium, reorganization and similar
        laws,
        and by equitable principles affecting the enforceability of the rights of
        creditors.

       

      (iii) None
        of
        the execution and delivery of the Agreement, the consummation of any other
        transaction contemplated therein, or the fulfillment of or compliance with
        the
        terms of the Agreement, will result in the breach of, or constitute a default
        under, any term or provision of the organizational documents of SPS or conflict
        with, result in a material breach, violation or acceleration of or constitute
        a
        material default under, the terms of any indenture or other agreement or
        instrument to which SPS is a party or by which it is bound, or any statute,
        order, judgment, or regulation applicable to SPS of any court, regulatory
        body,
        administrative agency or governmental body having jurisdiction over
        SPS.

       

      (iv) There
        is
        no action, suit, proceeding or investigation pending, or to SPS ’s knowledge
        threatened, against SPS before any court, administrative agency or other
        tribunal (a) asserting the invalidity of the Agreement, (b) seeking to prevent
        the consummation of any of the transactions contemplated thereby or (c) which
        might reasonably be expected to materially and adversely affect the performance
        by SPS of its obligations under, or the validity or enforceability of, the
        Agreement.

       

      (v) No
        consent, approval, authorization or order of any court, regulatory body or
        governmental agency or court is required, under state or federal law prior
        to
        the execution, delivery and performance by SPS of the Agreement or the
        consummation of the transactions contemplated by the Agreement.

       

      

       

      
        
          
          

        

        
          
          

          
            

          

        

        
          
          

        

      

      SCHEDULE
        IV

       

      REPRESENTATIONS
        AND WARRANTIES RELATING TO THE MORTGAGE LOANS

       

      DLJMC,
        in
        its capacity as Seller, hereby makes the representations and warranties set
        forth in this Schedule IV to the Depositor and the Trustee, as of the Closing
        Date, or the date specified herein, with respect to the Mortgage Loans
        identified on Schedule I hereto.

       

      (i) The
        Seller or its affiliate is the sole owner of record and holder of the Mortgage
        Loan and the indebtedness evidenced by the Mortgage Note. Immediately prior
        to
        the transfer and assignment to the Depositor on the Closing Date, the Mortgage
        Loan, including the Mortgage Note and the Mortgage, were not subject to an
        assignment or pledge, and the Seller had good and marketable title to and
        was
        the sole owner thereof and had full right to transfer and sell the Mortgage
        Loan
        to the Depositor free and clear of any encumbrance, equity, lien, pledge,
        charge, claim or security interest and has the full right and authority subject
        to no interest or participation of, or agreement with, any other party, to
        sell
        and assign the Mortgage Loan and following the sale of the Mortgage Loan,
        the
        Depositor will own such Mortgage Loan free and clear of any encumbrance,
        equity,
        participation interest, lien, pledge, charge, claim or security
        interest.

       

      (ii) Any
        and
        all requirements of any federal, state or local law including, without
        limitation, usury, truth-in-lending, real estate settlement procedures, consumer
        credit protection, equal credit opportunity or disclosure laws applicable
        to the
        Mortgage Loan have been complied with in all material respects.

       

      (iii) The
        terms
        of the Mortgage Note and the Mortgage have not been impaired, waived, altered
        or
        modified in any respect, except by written instruments which have been recorded
        to the extent any such recordation is required by law, or, necessary to protect
        the interest of the Depositor. No instrument of waiver, alteration or
        modification has been executed, and no Mortgagor has been released, in whole
        or
        in part, from the terms thereof except in connection with an assumption
        agreement and which assumption agreement is part of the Mortgage File and
        the
        terms of which are reflected in the Mortgage Loan Schedule; the substance
        of any
        such waiver, alteration or modification has been approved by the issuer of
        any
        related Primary Insurance Policy and title insurance policy, to the extent
        required by the related policies.

       

      (iv) The
        Mortgage Loan complies with all the terms, conditions and requirements of
        the
        originator's underwriting standards in effect at the time of origination
        of such
        Mortgage Loan.

       

      (v) The
        information set forth in the Mortgage Loan Schedule, attached to the Agreement
        as Schedule I, is complete, true and correct in all material respects as
        of the
        Cut-off Date.

       

      (vi) With
        respect to any first lien Mortgage Loan, the related Mortgage is a valid,
        subsisting, enforceable and perfected first lien on the Mortgaged Property
        and,
        with respect to any second lien Mortgage Loan, the related Mortgage is a
        valid,
        subsisting, enforceable and perfected second lien on the Mortgaged Property,
        and
        all buildings on the Mortgaged Property and all installations and mechanical,
        electrical, plumbing, heating and air conditioning systems affixed to such
        buildings, and all additions, alterations and replacements made at any time
        with
        respect to the foregoing securing the Mortgage Note's original principal
        balance. The Mortgage and the Mortgage Note do not contain any evidence of
        any
        security interest or other interest or right thereto. Such lien is free and
        clear of all adverse claims, liens and encumbrances having priority over
        the
        first or second lien, as applicable, of the Mortgage subject only to (1)
        with
        respect to any Second Mortgage Loan, the related First Mortgage Loan, (2)
        the
        lien of non-delinquent current real property taxes and assessments not yet
        due
        and payable, (3) covenants, conditions and restrictions, rights of way,
        easements and other matters of the public record as of the date of recording
        which are acceptable to mortgage lending institutions generally and either
        (A)
        which are referred to or otherwise considered in the appraisal made for the
        originator of the Mortgage Loan, or (B) which do not adversely affect the
        appraised value of the Mortgaged Property as set forth in such appraisal,
        and
        (4) other matters to which like properties are commonly subject which do
        not
        materially interfere with the benefits of the security intended to be provided
        by the Mortgage or the use, enjoyment, value or marketability of the related
        Mortgaged Property. Any security agreement, chattel mortgage or equivalent
        document related to and delivered in connection with the Mortgage Loan
        establishes and creates (1) with respect to any First Mortgage Loan, a valid,
        subsisting, enforceable and perfected first lien and first priority security
        interest and (2) with respect to any second lien Mortgage Loan, a valid,
        subsisting, enforceable and perfected second lien and second priority security
        interest, in each case, on the property described therein, and the Seller
        has
        the full right to sell and assign the same to the Depositor.

       

      (vii) There
        are
        no mechanics' or similar liens or claims which have been filed for work,
        labor
        or material (and no rights are outstanding that under law could give rise
        to
        such liens) affecting the related Mortgaged Property which are or may be
        liens
        prior to or equal to the lien of the related Mortgage.

       

      (viii) All
        taxes, governmental assessments, insurance premiums, water, sewer and municipal
        charges, leasehold payments or ground rents which previously became due and
        owing have been paid, or escrow funds have been established in an amount
        sufficient to pay for every such escrowed item which remains unpaid and which
        has been assessed but is not yet due and payable.

       

      (ix) The
        Mortgage Note and the Mortgage are not subject to any right of rescission,
        set-off, counterclaim or defense, including, without limitation, the defense
        of
        usury, nor will the operation of any of the terms of the Mortgage Note or
        the
        Mortgage, or the exercise of any right thereunder, render the Mortgage Note
        or
        Mortgage unenforceable, in whole or in part, or subject to any right of
        rescission, set-off, counterclaim or defense, including the defense of usury,
        and no such right of rescission, set-off, counterclaim or defense has been
        asserted with respect thereto.

       

      (x) The
        Mortgaged Property is not subject to any material damage by waste, fire,
        earthquake, windstorm, flood or other casualty. At origination of the Mortgage
        Loan there was, and there currently is, no proceeding pending for the total
        or
        partial condemnation of the Mortgaged Property.

       

      (xi) All
        improvements subject to the Mortgage which were considered in determining
        the
        appraised value of the Mortgaged Property lie wholly within the boundaries
        and
        building restriction lines of the Mortgaged Property (and wholly within the
        project with respect to a condominium unit) and no improvements on adjoining
        properties encroach upon the Mortgaged Property except those which are insured
        against by a title insurance policy and all improvements on the property
        comply
        with all applicable zoning and subdivision laws and ordinances.

       

      (xii) Seller
        has delivered or caused to be delivered to the Trustee or the Custodian on
        behalf of the Trustee the original Mortgage bearing evidence that such
        instruments have been recorded in the appropriate jurisdiction where the
        Mortgaged Property is located as determined by the Seller (or, in lieu of
        the
        original of the Mortgage or the assignment thereof, a duplicate or conformed
        copy of the Mortgage or the instrument of assignment, if any, together with
        a
        certificate of receipt from the Seller or the settlement agent who handled
        the
        closing of the Mortgage Loan, certifying that such copy or copies represent
        true
        and correct copy(ies) of the original(s) and that such original(s) have been
        or
        are currently submitted to be recorded in the appropriate governmental recording
        office of the jurisdiction where the Mortgaged Property is located) or a
        certification or receipt of the recording authority evidencing the
        same.

       

      (xiii) The
        Mortgage File contains each of the documents specified in Section 2.01(b)
        of the
        Agreement.

       

      (xiv) As
        of the
        Closing Date, each Mortgage Loan shall be serviced in all material respects
        in
        accordance with the terms of the Agreement.

       

      (xv) All
        buildings or other customarily insured improvements upon the Mortgaged Property
        are insured by an insurer acceptable under the FNMA Guides, against loss
        by
        fire, hazards of extended coverage and such other hazards as are provided
        for in
        the FNMA Guides or by FHLMC, as well as all additional requirements set forth
        in
        this Agreement. All such standard hazard policies are in full force and effect
        and on the date of origination contained a standard mortgagee clause naming
        the
        Seller and its successors in interest and assigns as loss payee and such
        clause
        is still in effect and all premiums due thereon have been paid. If at the
        time
        of origination, the Mortgage Loan was required to have flood insurance coverage
        in accordance with the Flood Disaster Protection Act of 1973, as amended,
        such
        Mortgage Loan is covered by a flood insurance policy meeting the requirements
        of
        the current guidelines of the Federal Insurance Administration which policy
        conforms to FNMA and FHLMC requirements, as well as all additional requirements
        set forth in this Agreement. Such policy was issued by an insurer acceptable
        under FNMA or FHLMC guidelines. The Mortgage obligates the Mortgagor thereunder
        to maintain all such insurance at the Mortgagor's cost and expense, and upon
        the
        Mortgagor's failure to do so, authorizes the holder of the Mortgage to maintain
        such insurance at the Mortgagor's cost and expense and to seek reimbursement
        therefor from the Mortgagor.

       

      (xvi) With
        respect to each Mortgage Loan that has a Prepayment Penalty feature, each
        such
        Prepayment Penalty is enforceable and, at the time such Mortgage Loan was
        originated, each Prepayment Penalty complied with applicable federal, state
        and
        local law, subject to federal preemption where applicable.

       

      (xvii) As
        of the
        Closing Date, no more than 1.0% of the Initial Mortgage Loans are 30 to 59
        days
        contractually delinquent in payment, no more than 0.5% of the Initial Mortgage
        Loans are 60 to 89 days contractually delinquent in payment (in each case
        based
        on the Aggregate Collateral Balance as of the Cut-off Date), and none of
        the
        Initial Mortgage Loans are 90 days or more contractually delinquent in
        payment.

       

      (xviii) The
        Mortgage Note and the related Mortgage are original and genuine and each
        is the
        legal, valid and binding obligation of the maker thereof, enforceable in
        all
        respects in accordance with its terms subject to bankruptcy, insolvency,
        moratorium, reorganization and other laws of general application affecting
        the
        rights of creditors and by general equitable principles.

       

      (xix) To
        the
        knowledge of the Seller: 

       

      (a)
        No
        refinance or purchase money mortgage loan included in the Trust Fund as a
        Group
        1 Loan has an APR or total points and fees that exceed the thresholds set
        by
        Home
        Ownership and Equity Protection Act of 1994 (“HOEPA”)
        and its
        implementing regulations, including 12 CFR § 226.32(a)(1)(i) and
        (ii);

       

      (b)
        No
        proceeds from any Mortgage Loan were used to finance single-premium credit
        insurance policies; 

       

      (c)
        No
        Mortgage Loan originated prior to October 1, 2002 will impose a Prepayment
        Penalty for a term in excess of five years and no Mortgage Loan originated
        on or
        after October 1, 2002 will impose a Prepayment Penalty for a term in excess
        of
        three years; 

       

      (d)
        The
        Servicer of each Mortgage Loan has fully furnished and will fully furnish,
        in
        accordance with the Fair Credit Reporting Act and its implementing regulations,
        accurate and complete information on its borrower credit files to Equifax,
        Experian and Trans Union Credit Information on a monthly basis;

       

      (e)
        The
        original principal balance of each Mortgage Loan in Loan Group 1 is within
        Freddie Mac's dollar amount for conforming one- to four-family mortgage loans.
        No Mortgage Loan secured by a Mortgaged Property located in the State of
        Georgia
        was originated on or after October 1, 2002 and before March 7, 2003 and no
        Mortgage Loan secured by Mortgaged Property located in the State of Georgia
        that
        was originated on or after March 7, 2003 is a “high cost home loan” as defined
        in the Georgia Fair Lending Act (HB 1361), as amended;

       

      (f)
        With
        respect to any Group 1 Mortgage Loan that provides for a Prepayment
        Charge:

      

      (A)
        such
        Mortgage Loan provides some benefit to the Mortgagor (e.g., a rate or fee
        reduction) in exchange for accepting such Prepayment Charge;

      

      (B)
        prior
        to such Mortgage Loan’s origination, the Mortgagor was offered the option of
        obtaining a mortgage loan that did not require the payment of such a Prepayment
        Charge;

      

      (C)
        the
        applicable Prepayment Charge was adequately disclosed to the Mortgagor pursuant
        to applicable state and federal law; and

      

      (D)
        such
        Prepayment Charge shall not be imposed in any instance where the related
        Mortgage Loan is accelerated or paid off in connection with the workout of
        a
        delinquent mortgage or due to the Mortgagor’s default, notwithstanding that the
        terms of the Mortgage Loan or state or federal law might permit the imposition
        of such Prepayment Charge.

      

      (g)
        None
        of the Group I Loans are secured by manufactured housing units;

      

      (h)
        Each
        Group 1 Loan is a lien on a one- to four-family residence that is (or will
        be)
        the principal residence of the borrower upon origination of such Group 1
        Loan;

       

      (i)
        With
        respect to each Group 1 Loan, the Mortgagor was not encouraged or required
        to
        select a mortgage loan product offered by the Mortgage Loan’s Originator which
        is a higher cost product designed for less creditworthy borrowers, taking
        into
        account such facts as, without limitation, the mortgage loan’s requirements and
        the borrower’s credit history, income, assets and liabilities;

      

      (j)
        With
        respect to any Group 1 Loan, the methodology used in underwriting the extension
        of credit for each such Mortgage Loan did not rely solely on the extent of
        the
        Mortgagor’s equity in the collateral as the principal determining factor in
        approving such extension of credit but instead employed objective criteria
        such
        as the Mortgagor’s income, assets and liabilities, to the proposed mortgage
        payment and, based on such methodology, the Mortgage Loan’s Originator made a
        reasonable determination that at the time of origination the Mortgagor had
        the
        ability to make timely payments on the Mortgage Loan;

      

      (k)
        No
        Mortgagor under a Group 1 Loan was charged “points and fees” in an amount
        greater than (a) $1,000 or (b) 5% of the original Stated Principal Balance
        of
        such Mortgage Loan, whichever is greater; provided, that for purposes of
        this
        representation, “points and fees” (x) include origination, underwriting, broker
        and finder’s fees and charges that the lender imposed as a condition of making
        the mortgage loan, whether they are paid to the lender or a third party;
        and (y)
        exclude bona fide discount points, fees paid for actual services rendered
        in
        connection with the origination of the mortgage (such as attorneys’ fees,
        notaries fees and fees paid for property appraisals, credit reports, surveys,
        title examinations and extracts, flood and tax certifications, and home
        inspections); the cost of mortgage insurance or credit-risk price adjustments;
        the costs of title, hazard, and flood insurance policies; state and local
        transfer taxes or fees; escrow deposits for the future payment of taxes and
        insurance premiums; and other miscellaneous fees and charges, which
        miscellaneous fee and charges, in total, do not exceed 0.25% of the loan
        amount;

      

      (l)
        No
        Group 1 Loan has an original Stated Principal Balance that exceeds one-half
        of
        the one-unit limitation for first lien mortgage loans, without regard to
        the
        number of units;

      

      (m)
        With
        respect to any Group 1 Loan, the original Stated Principal Balance of the
        first
        lien mortgage loan plus the original Stated Principal Balance of any subordinate
        lien mortgage loans relating to the same Mortgaged Property does not exceed
        the
        applicable Freddie Mac loan limit for first lien mortgage loans for that
        property type;

      

      (n)
        The
        Seller currently operates or actively participates in an on-going and active
        program or business (A) to originate mortgages, and/or (B) to make periodic
        purchases of mortgage loans from originators or other sellers, and/or (C)
        to
        issue and/or purchase securities or bonds supported by the mortgages, with
        a
        portion of the proceeds generated by such program or business being used
        to
        purchase or originate mortgages made to borrowers who are:

       

      (A)
        low-income families (families with incomes of 80% or less of area median
        income)
        living in low-income areas (a census tract or block numbering area in which
        the
        median income does not exceed 80 percent of the area median income)
        and/or

      

      (B)
        very
        low-income families (families with incomes of 60% or less of area median
        income); and

      

      The
        Seller further agrees that Freddie Mac for a period of two (2) years following
        the date of this Agreement may contact the Seller to confirm that it continues
        to operate or actively participate in the mortgage program or business and
        to
        obtain other nonproprietary information about the Seller’s activities that may
        assist Freddie Mac in completing its regulatory reporting requirements. The
        Seller will make reasonable efforts to provide such information to Freddie
        Mac.

      

      (xx) Each
        Mortgage Loan at the time it was made complied in all material respects with
        applicable local, state and federal laws, including, but not limited to,
        all
        applicable predatory and abusive lending laws.

       

      (xxi) No
        Mortgage Loan is classified as (a) a “high cost mortgage loan” under the Home
        Ownership and Equity Protection Act of 1994 or (b) a “high cost home,”
“covered,” “high cost,” “high risk home” or “predatory” loan under any other
        applicable state, federal or local law (or a similarly classified loan using
        different terminology under a law imposing heightened regulatory scrutiny
        or
        additional legal liability for residential mortgage loans having high interest
        rates, points and/or fees).

       

      (xxii) No
        Mortgage Loan is a High Cost Loan or Covered Loan as such terms are defined
        in
        the then current Version 5.7 Revised; Appendix E of the Standard & Poor's
        LEVELS® Glossary.

       

      (xxiii) With
        respect to any Mortgage Loan originated on or after August 1, 2004, either
        (a)
        the related Mortgage and the related Mortgage Note does not contain a mandatory
        arbitration clause (that is, a clause that requires the related Mortgagor
        to
        submit to arbitration to resolve any dispute arising out of or relating in
        any
        way to the Mortgage Loan) or (b) the related Mortgage and the related Mortgage
        Note contained a mandatory arbitration clause as of the related origination
        date
        and such clause has or will be waived by the originator or an entity designated
        by the Seller in writing no later than sixty (60) days after the related
        Closing
        Date which notice included or will include the following language: “WE ARE
        HEREBY NOTIFYING YOU THAT THE MANDATORY ARBITRATION CLAUSE OF YOUR LOAN,
        REQUIRING THAT YOU SUBMIT TO ARBITRATION TO RESOLVE ANY DISPUTE ARISING OUT
        OF
        OR RELATING IN ANY WAY TO YOUR MORTGAGE LOAN, IS IMMEDIATELY NULL AND VOID.
        YOU
        ARE FREE TO CHOOSE TO EXERCISE ANY OF YOUR RIGHTS OR ENFORCE ANY REMEDIES
        UNDER
        YOUR MORTGAGE LOAN THROUGH THE COURT SYSTEM.” A copy of the written notice
        referred to in the immediately preceding sentence, if applicable, shall be
        retained in the related Mortgage File.

       

      (xxiv) No
        Mortgage Loan had a combined loan-to-value ratio at the time of origination
        of
        more than 100%.

       

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

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