Document:

EXHIBIT 10.3

 

EXECUTION COPY

 

 

ASSIGNMENT, ASSUMPTION AND RECOGNITION
AGREEMENT

 

This is an Assignment,
Assumption and Recognition Agreement (the “Agreement”) made as of the 29th day of March, 2012, among Redwood
Residential Acquisition Corporation, a Delaware corporation (“Assignor”), Sequoia Residential Funding, Inc., a Delaware
corporation (“Depositor”), U.S. Bank National Association, a national banking association, not in its individual capacity
but solely as trustee (in such capacity, the “Trustee” and as referred to herein, the “Assignee”) under
a Pooling and Servicing Agreement dated as of March 1, 2012 (the “Pooling and Servicing Agreement”), and PHH Mortgage
Corporation, a New Jersey corporation (“PHH”).

 

In consideration of
the mutual promises contained herein, the parties hereto agree that the mortgage loans (the “Mortgage Loans”) listed
on Attachment 1 (the “Mortgage Loan Schedule”) now serviced by PHH (together with its successors and assigns, the “Servicer”)
for Assignor and its successors and assigns pursuant to the Mortgage Loan Flow Purchase, Sale and Servicing Agreement dated as
of July 21, 2010, between Assignor and PHH (the “Purchase and Servicing Agreement”) and the servicing thereof shall
be subject to the terms of the Purchase and Servicing Agreement as modified or supplemented by this Agreement. Unless otherwise
specified herein, capitalized terms used herein but not defined shall have the meanings ascribed to them in the Purchase and Servicing
Agreement. Assignor will sell the Mortgage Loans to Depositor pursuant to a Mortgage Loan Purchase and Sale Agreement dated the
date hereof, and Depositor will sell the Mortgage Loans to Assignee pursuant to the Pooling and Servicing Agreement.

 

Assignment and Assumption

 

1.Assignor hereby
grants, transfers and assigns to Depositor all of its right, title and interest in, to and under the Purchase and Servicing Agreement
to the extent relating to the Mortgage Loans, together with its obligations as “Purchaser” (as such term is defined
in the Purchase and Servicing Agreement) to the extent relating to the Mortgage Loans, and Depositor hereby accepts such assignment
from Assignor and assumes such obligations.

 

2.[Reserved].

 

3.Depositor hereby
grants, transfers and assigns to Assignee all of its right, title and interest in, to and under the Purchase and Servicing Agreement
to the extent relating to the Mortgage Loans, together with its obligations as “Purchaser” (as such term is defined
in the Purchase and Servicing Agreement) to the extent relating to the Mortgage Loans, Depositor is released from all obligations
under the Purchase and Servicing Agreement, and Assignee hereby accepts such assignment from Depositor and assumes such obligations.

 

4.[Reserved].

    	 

    	 

    

5.Assignee agrees
to be bound, as “Purchaser” (as such term is defined in the Purchase and Servicing Agreement), by all of the terms,
covenants and conditions of the Purchase and Servicing Agreement relating to the Mortgage Loans, and from and after the date hereof,
Assignee assumes for the benefit of each of Assignor, Depositor and PHH all of Assignor's obligations as Purchaser thereunder in
respect of the Mortgage Loans, and Assignor is released from such obligations.

 

6.[Reserved].

 

7. PHH hereby acknowledges
the foregoing assignments and assumptions and agrees that Assignee shall be the “Purchaser” under the Purchase and
Servicing Agreement with respect to the Mortgage Loans.

 

Representations and Warranties

 

8.Assignor warrants
and represents to, and covenants with, Depositor, Assignee and PHH as of the date hereof that:

 

(a)Attached hereto
as Attachment 2 is a true and accurate copy of the Purchase and Servicing Agreement, which agreement is in full force and effect
as of the date hereof and the provisions of which have not been waived, amended or modified in any respect, nor has any notice
of termination been given thereunder;

 

(b)Assignor is the
lawful owner of its interests, rights and obligations under the Purchase and Servicing Agreement to the extent of the Mortgage
Loans, free and clear from any and all claims and encumbrances whatsoever, and upon the transfer of such interests, rights and
obligations to Assignee as contemplated herein, Assignee shall have good title to all of Assignee's interests, rights and obligations
under the Purchase and Servicing Agreement to the extent of the Mortgage Loans, free and clear of all liens, claims and encumbrances;

 

(c)There are no offsets,
counterclaims or other defenses available to PHH with respect to the Mortgage Loans under the Purchase and Servicing Agreement;

 

(d)Assignor is duly
organized, validly existing and in good standing under the laws of the jurisdiction of its incorporation, and has all requisite
power and authority to enter into and perform its obligations under the Purchase and Servicing Agreement;

 

(e)Assignor has full
corporate power and authority to execute, deliver and perform its obligations under this Agreement, and to consummate the transactions
set forth herein. The consummation of the transactions contemplated by this Agreement is in the ordinary course of Assignor’s
business and will not conflict with, or result in a breach of, any of the terms, conditions or provisions of Assignor’s charter
or by-laws or any legal restriction, or any material agreement or instrument to which Assignor is now a party or by which it is
bound, or result in the violation of any law, rule, regulation, order, judgment or decree to which Assignor or its property is
subject. The execution, delivery and performance by Assignor of this Agreement and the consummation by it of the transactions contemplated
hereby, have been duly authorized by all necessary corporate action on the part of Assignor. This Agreement has been duly executed
and delivered by Assignor and, upon the due authorization, execution and delivery by the other parties hereto, will constitute
the valid and legally binding obligation of Assignor enforceable against Assignor in accordance with its terms except as enforceability
may be limited by bankruptcy, reorganization, insolvency, moratorium or other similar laws now or hereafter in effect relating
to creditors’ rights generally, and by general principles of equity regardless of whether enforceability is considered in
a proceeding in equity or at law; and

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(f)No consent, approval,
order or authorization of, or declaration, filing or registration with, any governmental entity is required to be obtained or made
by Assignor in connection with the execution, delivery or performance by Assignor of this Agreement, or the consummation by it
of the transactions contemplated hereby.

 

9.Depositor warrants
and represents to, and covenants with, Assignor, Assignee and PHH that as of the date hereof:

 

(a)Depositor is a
Delaware corporation duly organized, validly existing and in good standing under the laws of the jurisdiction of its incorporation;

 

(b)Depositor has
full corporate power and authority to execute, deliver and perform its obligations under this Agreement, and to consummate the
transactions set forth herein. The consummation of the transactions contemplated by this Agreement is in the ordinary course of
Depositor’s business and will not conflict with, or result in a breach of, any of the terms, conditions or provisions of
Depositor’s charter or by-laws or any legal restriction, or any material agreement or instrument to which Depositor is now
a party or by which it is bound, or result in the violation of any law, rule, regulation, order, judgment or decree to which Depositor
or its property is subject. The execution, delivery and performance by Depositor of this Agreement and the consummation by it of
the transactions contemplated hereby, have been duly authorized by all necessary corporate action on part of Depositor. This Agreement
has been duly executed and delivered by Depositor and, upon the due authorization, execution and delivery by the other parties
hereto, will constitute the valid and legally binding obligation of Depositor enforceable against Depositor in accordance with
its terms except as enforceability may be limited by bankruptcy, reorganization, insolvency, moratorium or other similar laws now
or hereafter in effect relating to creditors’ rights generally, and by general principles of equity regardless of whether
enforceability is considered in a proceeding in equity or at law; and

 

(c)No consent, approval,
order or authorization of, or declaration, filing or registration with, any governmental entity is required to be obtained or made
by Depositor in connection with the execution, delivery or performance by Depositor of this Agreement, or the consummation by it
of the transactions contemplated hereby other than any that have been obtained or made.

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10.Assignee warrants
and represents to, and covenants with, Assignor, Depositor and PHH that as of the date hereof:

 

(a)Assignee is a
national banking association duly organized, validly existing and in good standing under the laws of the jurisdiction of its organization;
and

 

(b)Assignee has been
directed to enter into this Agreement pursuant to the provisions of the Pooling and Servicing Agreement. The execution, delivery
and performance by Assignee of this Agreement and the consummation by it of the transactions contemplated hereby, have been duly
authorized by all necessary action on part of Assignee. This Agreement has been duly executed and delivered by Assignee and, upon
the due authorization, execution and delivery by Assignor, will constitute the valid and legally binding obligation of Assignee
enforceable against Assignee in accordance with its terms except as enforceability may be limited by bankruptcy, reorganization,
insolvency, moratorium or other similar laws now or hereafter in effect relating to creditors’ rights generally, and by general
principles of equity regardless of whether enforceability is considered in a proceeding in equity or at law.

 

11.PHH warrants
and represents to, and covenants with, Assignor, Depositor and Assignee as of the date hereof that:

 

(a)Attached hereto
as Attachment 2 is a true and accurate copy of the Purchase and Servicing Agreement, which agreement is in full force and effect
as of the date hereof and, except to the extent modified by this Agreement, the provisions of which have not been waived, amended
or modified in any respect, nor has any notice of termination been given thereunder;

 

(b)PHH is duly organized,
validly existing and in good standing under the laws of the jurisdiction of its incorporation, and has all requisite power and
authority to service the Mortgage Loans pursuant to the Purchase and Servicing Agreement and otherwise to perform its obligations
under the Purchase and Servicing Agreement;

 

(c)PHH has full corporate
power and authority to execute, deliver and perform its obligations under this Agreement, and to consummate the transactions set
forth herein. The consummation of the transactions contemplated by this Agreement is in the ordinary course of PHH’s business
and will not conflict with, or result in a breach of, any of the terms, conditions or provisions of PHH’s charter or by-laws
or any legal restriction, or any material agreement or instrument to which PHH is now a party or by which it is bound, or result
in the violation of any law, rule, regulation, order, judgment or decree to which PHH or its property is subject. The execution,
delivery and performance by PHH of this Agreement and the consummation by it of the transactions contemplated hereby, have been
duly authorized by all necessary corporate action on part of PHH. This Agreement has been duly executed and delivered by PHH and,
upon the due authorization, execution and delivery by Assignor and Assignee, will constitute the valid and legally binding obligation
of PHH enforceable against PHH in accordance with its terms except as enforceability may be limited by bankruptcy, reorganization,
insolvency, moratorium or other similar laws now or hereafter in effect relating to creditors’ rights generally, and by general
principles of equity regardless of whether enforceability is considered in a proceeding in equity or at law; and

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(d)No consent, approval,
order or authorization of, or declaration, filing or registration with, any governmental entity is required to be obtained or made
by PHH in connection with the execution, delivery or performance by PHH of this Agreement, or the consummation by it of the transactions
contemplated hereby.

 

 

Restated PHH Representations and Warranties

 

12.(i)[Reserved].

 

(ii)Pursuant to Section
3.07 of the Purchase and Servicing Agreement, PHH hereby restates to Depositor and Assignee (a) the representations and warranties
set forth in Sections 3.01 and 3.02 of the Purchase and Servicing Agreement as of the date hereof and (b) the representations and
warranties set forth in Section 3.03 of the Purchase and Servicing Agreement with respect to each Mortgage Loan as of the respective
Funding Date, as if such representations and warranties were set forth herein in full. In the event of a breach of any representations
and warranties set forth in Sections 3.01, 3.02 or 3.03 of the Purchase and Servicing Agreement as of the Funding Date or the date
hereof, as the case may be, Depositor and Assignee shall be entitled to all of the remedies set forth in the Purchase and Servicing
Agreement.

 

Repurchase Upon Breach of Representations
and Warranties

 

13.(a)Assignor
hereby covenants and agrees that, if a breach of any representation and warranty set forth in Section 3.03 of the Purchase and
Servicing Agreement exists on the date hereof that materially and adversely affects the value of any Mortgage Loan or the interest
of Assignee in any Mortgage Loan and such breach did not exist as of the Funding Date of that Mortgage Loan, Assignor shall have
a period of 60 days from the earlier of either discovery or receipt of written notice from Assignee to Assignor of such breach
within which to correct or cure such breach. Each determination as to whether there has been such a breach shall be conducted on
a Mortgage Loan-by-Mortgage Loan basis. A breach of representations and warranties in the first sentence of Section 3.03(21) and
Sections 3.03(41) and (52) of the Purchase and Servicing Agreement shall be deemed to materially and adversely affect the value
of the related Mortgage Loan and the interest of the Assignee therein. Assignor hereby covenants and agrees that if any breach
cannot be corrected or cured within such 60 day period, then Assignor shall, at its option, (i) substitute a mortgage loan for
the Defective Mortgage Loan in accordance with the Purchase and Servicing Agreement, (ii) repurchase the related Mortgage Loan
at the Repurchase Price or (iii) except for a breach of a representation and warranty in Section 3.03(52) of the Purchase and Sale
Agreement, make an indemnification payment in an amount equal to the reduction in value of such Mortgage Loan as a result of such
breach not later than 90 days after its discovery or receipt of notice of such breach and in the case of clauses (ii) and (iii)
above, by wire transfer of immediately available funds to such account as Assignee shall specify to Assignor.

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(b)Assignor and Assignee
agree that the resolution of any controversy or claim arising out of or relating to an obligation or alleged obligation of Assignor
to repurchase a Mortgage Loan or Mortgage Loans pursuant to Section 13(a) above shall be by Arbitration administered by the American
Arbitration Association. If any such controversy or claim has not been resolved to the satisfaction of both Assignor and Assignee,
either party may commence Arbitration to resolve the dispute; provided that a party may commence Arbitration with respect to one
or more unresolved allegations only during the months of January, April, July and October, and all matters with respect to which
Arbitration has been commenced in any such month shall be heard in a single Arbitration in the immediately following month or as
soon as practicable thereafter.

 

(c)To commence Arbitration,
the moving party shall deliver written notice to the other party that it has elected to pursue Arbitration in accordance with this
Section 13, provided that if Assignor has not responded to Assignee's notification of a breach of a representation and warranty,
Assignee shall not commence Arbitration with respect to that breach before 60 days following such notification in order to provide
Assignor with an opportunity to respond to such notification. Within 10 Business Days after a party has provided notice that it
has elected to pursue Arbitration, each party may submit the names of one or more proposed Arbitrators to the other party in writing.
If the parties have not agreed on the selection of an Arbitrator within five Business Days after the first such submission, then
the party commencing Arbitration shall, within the next 5 Business Days, notify the American Arbitration Association in New York,
New York and request that it appoint a single Arbitrator with experience in arbitrating disputes arising in the financial services
industry.

 

(d)It is the intention
of the parties that Arbitration shall be conducted in as efficient and cost-effective a manner as is reasonably practicable, without
the burden of discovery. Accordingly, the Arbitrator will resolve the dispute on the basis of a review of the written correspondence
between the parties (including any supporting materials attached to such correspondence) conveyed by the parties to each other
in connection with the dispute prior to the delivery of notice to commence Arbitration; however, upon a showing of good cause,
a party may request the Arbitrator to direct the production of such additional information, evidence and/or documentation from
the parties that the Arbitrator deems appropriate. If requested by the Arbitrator or any party, any hearing with respect to an
Arbitration shall be conducted by video conference or teleconference except upon the agreement of both parties or the request of
the Arbitrator.

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(e)The finding of
the Arbitrator shall be final and binding upon the parties. Judgment upon any arbitration award rendered may be entered and enforced
in any court of competent jurisdiction. The costs of the Arbitrator shall be shared equally between both parties. Each party, however,
shall bear its own attorneys fees and costs in connection with the Arbitration.

 

Recognition of Assignee

 

14.(a)From
and after the date hereof, subject to Sections 16 and 17 below, PHH shall recognize Assignee as owner of the Mortgage Loans and
will service the Mortgage Loans and perform its obligations hereunder and under the Purchase and Servicing Agreement for the benefit
of the Assignee in accordance with this Agreement and the Purchase and Servicing Agreement, each as modified hereby and as may
be amended from time to time, as if Assignee and PHH had entered into a separate purchase and servicing agreement for the purchase
and servicing of the Mortgage Loans.

 

(b)[Reserved].

 

(c)It is the intention
of Assignor, Depositor, PHH and Assignee that this Agreement shall constitute a separate and distinct servicing agreement, and
the entire servicing agreement, between PHH and Assignee to the extent of the Mortgage Loans and shall be binding upon and for
the benefit of the respective successors and assigns of the parties hereto.

 

15.The Mortgage
Loans shall be serviced by PHH for Assignee in accordance with all applicable state, federal and local laws as well as in conformity
with the provisions of the applicable Mortgages and Mortgage Notes, and pursuant to the terms and conditions of this Agreement.

 

Continuing Rights and Responsibilities

 

16.(a)Controlling
Holder Rights. PHH agrees and acknowledges that Sequoia Mortgage Funding Corporation, an Affiliate of the Depositor, in its
capacity as the initial Controlling Holder pursuant to the Pooling and Servicing Agreement, and for so long as it is the Controlling
Holder, will assume all of Assignee's rights and all related responsibilities of the Assignee under each of the following sections
of the Purchase and Servicing Agreement:

 

 

Purchase
and Servicing Agreement:

 

	Section	Matter
	 	 
	3.04	
        Repurchase and Substitution

         

	7.06	Purchaser's Right to Examine Servicer Records; Reports

 

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(b)Notwithstanding
Sections 1, 2 and 14 above, Assignor reserves its rights under, and does not assign to Assignee or Depositor, the ongoing rights
to take action and the responsibilities of the Purchaser under the sections of the Purchase and Servicing Agreement listed below:

 

 

Purchase
and Servicing Agreement:

 

	Section	Matter
	3.06	
        Purchase Price Protection

         

	Article XIII	Compliance with Regulation AB

 

 

(c)In addition, PHH
agrees to furnish to Assignor and to Wells Fargo Bank, N.A., as master servicer or securities administrator under the Pooling and
Servicing Agreement (the “Master Servicer”), copies of reports, notices, statements and other communications required
to be delivered to the Assignee by PHH pursuant to any of the sections of the Purchase and Servicing Agreement referred to above
and under the following sections, at the times therein specified:

 

 

Purchase and Servicing
Agreement:

 

	Section	 
	 	 
	5.09	Transfer of Accounts
	 	 
	6.02	Reporting
	 	 
	Section 13.04	Servicer Compliance Statement
	 	 
	
        Section 13.05

         
	Report on Assessment of Compliance and Attestation
	 	 

 

(d)If there is no
Controlling Holder under the Pooling and Servicing Agreement, then all rights and responsibilities assumed by the Controlling Holder
pursuant to Section 16(a) shall terminate and revert to Assignee.

 

Assignor will provide thirty (30) days
notice to PHH, the Master Servicer and the Trustee of any such termination of which Assignor has knowledge.

 

Amendments to Purchase and Servicing
Agreement

 

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17.[Reserved].

 

18.The parties
agree that the Purchase and Servicing Agreement shall be amended, solely with respect to the Mortgage Loans, as follows:

 

		(a)	Definitions.

 

(i)The
definitions of “Arbitration,” “Business Day,” “Designated Guidelines,” “Eligible Account,”
“Opinion of Counsel,” “Permitted Investment,” “Repurchase Price,” “Servicing Fee”
and “Servicing Fee Rate” set forth in Section 1.01 of the Purchase and Servicing Agreement shall be deleted and replaced
in their entirety as follows, and the definition of “Stated Principal Balance” as set forth below shall be added to
Section 1.01 following the definition of “Proprietary Lease” (capitalized terms not defined in the Purchase and Servicing
Agreement but listed on Attachment 3 shall be defined as specified on Attachment 3):

 

Arbitration:
Arbitration in accordance with the then governing Commercial Arbitration Rules of the American Arbitration Association and administered
by the American Arbitration Association, which shall be conducted in New York, New York or other place mutually acceptable to the
parties to the arbitration.

 

Business
Day: Any day other than (i) a Saturday or a Sunday, (ii) a legal holiday in the State of New York, or the State of New Jersey,
or the State of California, or the State of Maryland or the State of Minnesota, or (iii) a day on which banks in the State of New
York, or the State of New Jersey, or the State of California, or the State of Maryland or the State of Minnesota are authorized
or obligated by law or executive order to be closed.

 

Designated
Guidelines: As to each Mortgage Loan, the applicable set of underwriting guidelines in effect as of the origination date of
such Mortgage Loan, in the form provided by the Seller to the Purchaser, as may be updated and provided to the Purchaser from time
to time.

 

Eligible
Account: Any account or accounts maintained with a federal or state chartered depository institution or trust company the short-term
and long-term unsecured debt obligations of which are rated in the highest rating category of the Rating Agency with respect to
short-term unsecured debt obligations and in one of the two highest rating categories of Fitch, Inc. (the “Rating Agency”)
with respect to long-term unsecured debt obligations at the time any amounts are held on deposit therein. Eligible Accounts may
bear interest. If the rating of the short-term or long-term unsecured debt obligations of the depository institution or trust company
that maintains the account or accounts is no longer in the highest rating category of the Rating Agency with respect to short-term
unsecured debt obligations or in one of the two highest rating categories of the Rating Agency with respect to long-term unsecured
debt obligations, the funds on deposit therewith in connection with this transaction shall be transferred to an Eligible Account
within 30 days of such downgrade.

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Opinion
of Counsel: A written opinion of counsel, who may be salaried counsel for the Person on behalf of whom the opinion is being
given, reasonably acceptable to each Person to whom such opinion is addressed, and which must be Independent outside counsel with
respect to any such opinion of counsel concerning the taxation or the federal income tax status of each REMIC.

 

Permitted
Investments: At any time, any one or more of the following obligations and securities:

 

(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;

 

(ii)(a) demand or time deposits,
federal funds or bankers’ acceptances issued by any depository institution or trust company incorporated 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,
provided that the commercial paper and/or the short-term deposit rating and/or the long-term unsecured debt obligations or deposits
of such depository institution or trust company at the time of such investment or contractual commitment providing for such investment
are rated in the highest rating category by the Rating Agency for long-term unsecured debt with a maturity of more than one year
or in the highest rating category with respect to short-term obligations and (b) any other demand or time deposit or certificate
of deposit that is fully insured by the FDIC;

 

(iii)repurchase obligations
with a term not to exceed thirty (30) days and with respect to any security described in clause (i) above and entered into with
a depository institution or trust company (acting as principal) described in clause (ii)(a) above;

 

(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
that are rated in the highest rating category by the Rating Agency for long-term unsecured debt with a maturity of more than one
year or in the highest rating category with respect to short-term obligations, in each case at the time of such investment or contractual
commitment providing for such investment; provided, however, that securities issued by any particular corporation will not be Permitted
Investments to the extent that investments therein will cause the then outstanding principal amount of securities issued by such
corporation and held as Permitted Investments to exceed 10% of the aggregate outstanding principal balances of all of the Mortgage
Loans and Permitted Investments;

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(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 one year after the date of issuance thereof) that is rated in the highest rating category by the Rating Agency at the time
of such investment; and

 

(vi)any money market funds
rated in one of the two highest rating categories by the Rating Agency for long-term unsecured debt with a maturity of more than
one year or in the highest rating category with respect to short-term obligations, including any such fund managed or advised by
the Trustee or any of its Affiliates;

 

provided, however, that no instrument
or security shall be a Permitted Investment if such instrument or security evidences a right to receive only interest payments
with respect to the obligations underlying such instrument or if such security provides for payment of both principal and interest
with a yield to maturity in excess of 120% of the yield to maturity at par or if such instrument or security is purchased at a
price greater than par.

 

Repurchase
Price: With respect to any Mortgage Loan, a price equal to (i) the Unpaid Principal Balance of such Mortgage Loan plus (ii) interest
on such Unpaid Principal Balance at the Note Rate from and including the last Due Date through which interest has been paid by
or on behalf of the Mortgagor up to the Due Date following the date of repurchase, minus (iii) amounts received in respect of such
repurchased Mortgage Loan which are being held in the Collection Account for distribution in connection with such Mortgage Loan
and, if the Servicer is also the Seller, minus (iv) any unreimbursed Monthly Advances (including Non-recoverable Advances) and
any unpaid Servicing Fees made by or owing to the Servicer and allocable to such repurchased Mortgage Loan, which amounts shall
be deposited in the Collection Account for withdrawal by the Servicer in accordance with Section 5.05; provided, however,
that Servicer shall only be entitled to reimburse itself for Monthly Advances pursuant to Section 5.05(3) and any unpaid Servicing
Fees pursuant to Section 5.05(4) from Repurchase Price proceeds to the extent that such Monthly Advances and unpaid Servicing Fees
have not been subtracted in accordance with this definition; and provided, further, that, notwithstanding the provisions
of Section 5.05 to the contrary, if Servicer as Seller or Servicer is required to repurchase a Mortgage Loan pursuant to Section
3.04, Servicer’s right to reimburse itself pursuant to Section 5.05(4) shall be subsequent to the payment to Purchaser of
the Repurchase Price pursuant to Section 3.04, and all other amounts required to be paid to the Purchaser with respect to the Mortgage
Loan.

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Servicing
Fee: With respect to each Mortgage Loan and any calendar month (or portion thereof) an amount equal to 1/12 of the product
of (i) the Stated Principal Balance of such Mortgage Loan and (ii) the Servicing Fee Rate applicable to such Mortgage Loan.

 

Servicing
Fee Rate: A per annum rate equal to 0.25%.

 

Stated Principal
Balance: As to any Mortgage Loan and date of determination, the unpaid principal balance of such Mortgage Loan as of the most
recent Due Date as determined by the amortization schedule for the Mortgage Loan 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
Servicing Modification, Principal Prepayments and related Liquidation Proceeds allocable to principal and to the payment of principal
due on such Due Date (but not unscheduled Principal Prepayments received on such Due Date) and irrespective of any delinquency
in payment by the related Mortgagor.

 

(b)Servicing Standard.
In servicing the Mortgage Loans in accordance with the Purchase and Servicing Agreement and Customary Servicing Procedures, the
Servicer shall service the Mortgage Loans with a view to the best interests of all holders of the Sequoia Mortgage Trust 2012-2
Mortgage Pass-Through Certificates as a single class.

 

(c)Collection
of Mortgage Loan Payments and Segregated Collection Account.

 

(i)The following
paragraph shall be added to Section 5.02:

 

Mortgage Loan
payments received by the Servicer will be deposited within one Business Day of receipt into a clearing account that is an Eligible
Account. The Mortgage Loan payments may be commingled with payments of other mortgagors and investors for up to two Business Days
prior to the Servicer depositing the Mortgage Loan payments in the 2012-2 Collection Account. Such clearing account shall not be
used for operational or corporate purposes of the Servicer.

 

(ii)The
Servicer shall establish a Collection Account pursuant to Section 5.04 of the Purchase and Servicing Agreement which shall be titled
“PHH Mortgage Corporation, as trustee and/or bailee for U.S. Bank National Association, as trustee of the Sequoia Mortgage
Trust 2012-2” (the “2012-2 Collection Account”), which shall be the Collection Account under this Agreement for
all purposes. If the 2012-2 Collection Account is no longer an Eligible Account, the Servicer shall transfer the 2012-2 Collection
Account to an account that is an Eligible Account.

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(d)Section 3.04
Repurchase and Substitution.

 

(i)The
second paragraph of Section 3.04 shall be amended and replaced, to read in its entirety as follows:

 

Upon discovery
by the Seller, the Servicer or the Purchaser of a breach of any of the representations and warranties contained in Sections 3.01,
3.02 or 3.03 that materially and adversely affects the value of the Mortgage Loans or the interest of the Purchaser in the Mortgage
Loans (or that materially and adversely affects the value of the related Mortgage Loan or the interests of the Purchaser in the
related Mortgage Loan, in the case of a representation or warranty relating to a particular Mortgage Loan), the party discovering
such breach shall give prompt written notice to the other. Each determination as to whether there has been such a breach shall
be conducted on a Mortgage Loan-by-Mortgage Loan basis. A breach of representations and warranties in the first sentence of Section
3.03(21) and Sections 3.03(41) and (52) hereof, shall be deemed to materially and adversely affect the value of the related Mortgage
Loan and the interest of the Purchaser therein. With respect to the representations and warranties contained in Section 3.03 that
are made to the Seller’s knowledge, if it is discovered by either the Seller or the Purchaser that the substance of such
representation and warranty is inaccurate and such inaccuracy materially and adversely affects the value of the related Mortgage
Loan or the interests of the Purchaser therein, the Purchaser shall be entitled to all the remedies to which it would be entitled
for a breach of such representation or warranty, including, without limitation, the repurchase requirements contained herein, notwithstanding
Seller’s lack of knowledge with respect to the inaccuracy at the time the representation or warranty was made.

 

(ii)Clause
(ii) of the second sentence of the third paragraph of Section 3.04 shall be amended and replaced, to read in its entirety as follows:

 

(ii) except
for a breach of the representation and warranty in Section 3.03(52) hereof, make an indemnification payment to Purchaser in an
amount equal to the reduction in value of such Mortgage Loan as a result of such breach.

    	13

    	 

    

(iii)The
last sentence of the third paragraph of Section 3.04 shall be amended and replaced, to read in its entirety as follows:

 

If the breach
of representation and warranty that gave rise to the obligation to repurchase or substitute a Mortgage Loan pursuant to this Section
3.04 was the representation and warranty set forth in clause (9) or (41) of Section 3.03 hereof, then the Seller shall pay to the
Purchaser, concurrently with and in addition to the remedies provided in this Section 3.04, an amount equal to any liability, penalty
or expense that was actually incurred and paid out of or on behalf of the Purchaser, and that directly resulted from such breach,
or if incurred and paid by or on behalf of the Purchaser thereafter, concurrently with such payment.

 

(e) Section 5.01
Servicing Standards; Additional Documents; Consent of Purchaser.

 

(i) The first sentence
of Section 5.01(3)(c) shall be amended and replaced, to read in its entirety as follows:

 

(c)consistent
with the terms of this Agreement, and subject to the REMIC Provisions if the Mortgage Loans have been transferred to a REMIC, the
Servicer may waive, modify or vary any term of any Mortgage Loan or consent to the postponement of strict compliance with any such
term or in any manner grant indulgence to any Mortgagor; provided, however, that (unless the Mortgagor is in default with
respect to the Mortgage Loan, or such default is, in the judgment of the Servicer, imminent,
and the Servicer has received the express written consent of the Purchaser) the Servicer shall not enter into any payment plan
or agreement to modify payments with a Mortgagor lasting more than twelve (12) months or permit any modification with respect to
any Mortgage Loan that would change the Mortgage Interest Rate, the Maximum Rate (if applicable), the Initial Rate Cap (if
applicable), the Periodic Rate Cap (if applicable) or the Gross Margin (if applicable), agree to the
capitalization of arrearages, including interest, fees or expenses owed under the Mortgage Loan, make any future advances or extend
the final maturity date with respect to such Mortgage Loan, or accept substitute or additional collateral or release any collateral
for such Mortgage Loan. 

 

(ii) The first three
sentences of Section 5.01(3)(h) shall be amended and replaced, to read in their entirety as follows:

 

(h)notwithstanding anything
to the contrary contained herein, 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 Purchaser otherwise requests an Environmental Assessment or review of such Mortgaged Property, such Environmental Assessment
or review shall be conducted at the Purchaser’s expense or shall be reimbursable as a Servicing Advance. Upon completion
of the Environmental Assessment, the Servicer shall promptly provide the Purchaser with a written report of the Environmental Assessment.
In the event (a) the Environmental Assessment report indicates that the Mortgaged Property is contaminated by hazardous or toxic
substances or wastes and (b) the Purchaser provides written approval for the Servicer to proceed with foreclosure or acceptance
of a deed in lieu of foreclosure, 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 5.05 hereof; provided, however, that if the costs
associated with the environmental clean up are projected to exceed $10,000, the Servicer shall notify the Purchaser and shall have
no obligation to proceed with foreclosure or acceptance of a deed in lieu of foreclosure, or otherwise remediate or incur any such
clean up costs.

    	14

    	 

    

(f)Section 5.08
Payment of Taxes, Insurance and Other Charges; Maintenance of Primary Insurance Policies; Collections Thereunder.

 

(i)The
first sentence of the second paragraph of Section 5.08 shall be amended and replaced, to read in its entirety as follows:

 

With respect
to each Mortgage Loan with a Loan-to-Value Ratio in excess of 80%, the Servicer shall promptly, without any cost to the Purchaser,
maintain in full force and effect a Primary Insurance Policy, conforming in all respects to the description set forth in Section
3.03(30) hereof, issued by an insurer described in that Section, with respect to each Mortgage Loan for which such coverage is
required.

 

(ii)The fourth sentence
of the second paragraph of Section 5.08 shall be amended and replaced, to read in its entirety as follows:

 

The Servicer
shall not cancel or refuse to renew any Primary Insurance Policy in effect on the Funding Date that is required to be kept in force
under this Agreement unless a replacement Primary Insurance Policy for such canceled or nonrenewed policy is obtained from and
maintained with an insurer that satisfies the standards set forth in Section 3.03(30) hereof.

 

    	15

    	 

    

(g)Section 5.13
Realization Upon Specially Serviced Mortgage Loans and REO Properties. The second sentence of the first paragraph of Section
5.13 shall be amended and replaced, to read in its entirety as follows:

 

In the
event that any payment due under any Mortgage Loan remains delinquent for a period of 45 days, the Servicer shall order an inspection
of the related Mortgaged Property and, except with respect to any Mortgage Loan for which the Servicer is in the process of modifying
or has modified the terms of such Mortgage Loan, if the Mortgage Loan remains delinquent for a period of 90 days or more, the Servicer
shall commence foreclosure proceedings in accordance with Customary Servicing Procedures and the guidelines set forth by Fannie
Mae, Freddie Mac, or FHFA, and FHA or VA, as applicable.

 

(h)Section 8.02
Purchaser Financial Statements. Section 8.02 shall be amended and replaced, to read in its entirety as follows:

 

Section 8.02
[Reserved].

 

(i)Section 11.01
Term and Termination. Clause (2) of Section 11.01 shall be amended and replaced, to read in its entirety as follows:

 

(2)In any case
other than as provided under clause (1) hereof, the obligations and responsibilities of the Servicer hereunder shall terminate
upon: the later of (a)(I) the final payment or other liquidation (or any advance with respect thereto) of the last Mortgage Loan
and (II) the disposition of all REO Property and the remittance of all funds due hereunder and (b) the exercise of a party of its
Clean-up Call (as such term is defined in the Pooling and Servicing Agreement).

 

(j)REMIC Provisions.

 

(i)The following definition
of “REMIC Provisions” is hereby added to Section 1.01 of the Purchase and Servicing Agreement (capitalized terms not
defined in the Purchase and Servicing Agreement to be as defined in the Pooling and Servicing Agreement):

 

REMIC Provisions:Sections
860A through 860G of the Internal Revenue Code; such other provisions of the Code as relate to an entity created thereunder; the
regulations promulgated pursuant such sections and provisions of the Code; and published guidance issued by the Internal Revenue
Service relating to such Code sections and regulations.

 

(ii)The
following additional provisions shall be added after Section 7.07, to read in its entirety as follows:

 

Section
7.08Compliance with REMIC Provisions

 

If a REMIC
election has been made with respect to the arrangement under which the Mortgage Loans and REO Property are held, the Servicer shall
not take any action, cause the REMIC 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 the REMIC as a REMIC or (ii) result
in the imposition of a tax upon the REMIC (including but not limited to the tax on “prohibited transactions” as defined
in Section 860F(a)(2) of the Code and the tax on “contributions” to a REMIC set forth in Section 860G(d) of the Code)
unless the Servicer has received an Opinion of Counsel (at the expense of the party seeking to take such action) to the effect
that the contemplated action will not endanger such REMIC status or result in the imposition of any such tax.

    	16

    	 

    

(iii)The
following paragraph shall be added to the end of Section 11.13, to read in its entirety as follows:

 

If a Mortgage
Loan is held by a REMIC, the Servicer shall not acquire any real property (or personal property incident to such real property)
in respect of such Mortgage Loan except in connection with a default or imminent default of such Mortgage Loan. In the event that
a REMIC acquires any real property (or personal property incident to such real property) in connection with a default or imminent
default of a Mortgage Loan, such property shall be disposed of by the Servicer as soon as practicable in a manner that, consistent
with prudent mortgage loan servicing practices, maximizes the net present value of the recovery to the Trust, but in any event
within three years after its acquisition by such REMIC unless the Servicer provides to the Purchaser and the Trustee and the Securities
Administrator under the Pooling and Servicing Agreement an Opinion of Counsel to the effect that the holding by such REMIC of such
Mortgaged Property subsequent to three years after its acquisition will not result in the imposition of taxes on “prohibited
transactions” on such REMIC as defined in Section 860F of the Code or under the law of any state in which real property securing
a Mortgage Loan owned by such REMIC is located or cause such REMIC to fail to qualify as a REMIC for federal income tax purposes
or for state tax purposes under the laws of any state in which real property securing a Mortgage Loan owned by such REMIC is located
at any time that any mortgage pass-through certificates representing interests in such REMIC are outstanding. The Servicer shall
conserve, protect and operate each such property for such REMIC solely for the purpose of its prompt disposition and sale in a
manner which does not cause such property to fail to qualify as “foreclosure property” within the meaning of Section
860G(a)(8) or result in the receipt by such 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. Pursuant to its efforts to sell such property, the Servicer shall either itself or through an agent selected by the
Servicer protect and conserve such property in the same manner and to such extent as is customary in the locality where such property
is located and may, incident to its conservation and protection of the assets of the Trust, rent the same, or any part thereof,
as the Servicer deems to be in the best interest of the Trust for the period prior to the sale of such property. Additionally,
the Servicer shall perform the tax withholding and shall file information returns with respect to the receipt of mortgage interests
received in a trade or business, the reports of foreclosures and abandonments of any Mortgaged Property and the information returns
relating to cancellation of indebtedness income with respect to any Mortgaged Property required by Sections 6050H, 6050J and 6050P,
respectively, of the Code, and deliver to the Purchaser and the Trustee and the Securities Administrator under the Pooling and
Servicing Agreement an Officers’ Certificate on or before March 31 of each year stating that such reports have been filed.
Such reports shall be in form and substance sufficient to meet the reporting requirements imposed by Sections 6050H, 6050J and
6050P of the Code.

    	17

    	 

    

(k)Form of Monthly
Report.The Servicer shall provide monthly accounting reports to the Purchaser and Master Servicer, pursuant to Section
6.02 of the Purchase and Servicing Agreement, with the information included in the ASF RMBS Reporting Package issued by the American
Securitization Forum on July 15, 2009, as revised from time to time, to the extent available.

 

(l)Avoidance of
Consolidation.

 

(i)An additional
“Event of Default” shall be listed in Section 10.01, to be inserted after clause (10), to read in its entirety as follows:

 

or (11) the
purchase or holding of any securities issued in a Securitization Transaction by any Servicer that is an insured depository institution,
as such term is defined in the Federal Deposit Insurance Act (an “insured depository institution”) (any Servicer that
is an insured depository institution, an “IDI Servicer”) such that the IDI Servicer is required to consolidate any
of the Mortgage Loans on its financial statements under U.S. generally accepted accounting principles;

 

(ii)The
following Section 9.05 shall be inserted after Section 9.04, to read in its entirety as follows:

 

Section 9.05Avoidance
of Consolidation.

 

(a)Each
IDI Servicer hereby covenants and agrees that it shall not hold or purchase any certificate (a “Certificate”) issued
by the trust created by the Pooling and Servicing Agreement referred to herein (the “Trust”) as part of the initial
offering of Certificates or if its holding or purchase of such Certificate (or interest therein) would cause such IDI Servicer
to be required to consolidate any assets of the issuing entity on its financial statements under U.S. generally accepted accounting
principles (“Consolidate” or “Consolidation”). Any IDI Servicer shall be deemed to have represented by
virtue of its purchase or holding of such Certificate (or interest therein) that its holding or purchase of such Certificate (or
interest therein) will not cause such IDI Servicer to be required to Consolidate any assets of the issuing entity on its financial
statements.

    	18

    	 

    

If an IDI
Servicer's holding or purchase of a Certificate (or interest therein) does in fact cause such Consolidation, then the last preceding
transferee that is not required to Consolidate shall be restored, to the extent permitted by law, to all rights and obligations
as owner of such Certificate retroactive to the date of such transfer of such Certificate. If an IDI Servicer holds or purchases
a Certificate (or interest therein) in violation of the restrictions in this Section 9.05 and to the extent that the retroactive
restoration of the rights of the owner of such Certificate as described in the immediately preceding sentence shall be invalid,
illegal or unenforceable, then the Securities Administrator shall have the right, without notice to the owner or any prior owner
of such Certificate, to sell such Certificate to a purchaser selected by the Securities Administrator on such terms as the Securities
Administrator may choose. The IDI Servicer shall promptly endorse and deliver such Certificate in accordance with the instructions
of the Securities Administrator. The proceeds of such sale, net of the commissions (which may include commissions payable to the
Securities Administrator or its affiliates), expenses and taxes due, if any, shall be remitted by the Securities Administrator
to the IDI Servicer. The terms and conditions of any sale under this Section 9.05 shall be determined in the sole discretion of
the Securities Administrator, and the Securities Administrator shall not be liable to any owner of a Certificate as a result of
its exercise of such discretion. The IDI Servicer shall indemnify and hold harmless the Depositor and the Trust from and against
any and all losses, liabilities, claims, costs or expenses incurred by such parties as a result of such holding or purchase resulting
in a Consolidation.

 

(b)The
Servicer covenants and agrees that it shall not transfer its servicing rights and duties under this Agreement to an insured depository
institution (an insured depository institution in such capacity, a “servicer transferee”) unless the Servicer shall
have received a representation from the servicer transferee that the acquisition of such servicing rights and duties will not cause
the servicer transferee to be required to Consolidate any assets of the Trust on its financial statements. Any servicer transferee
shall be deemed to have represented by virtue of its acquisition of such servicing rights and duties that such acquisition will
not cause Consolidation. Any servicer transferee whose acquisition of such servicing rights and duties was effected in violation
of the restrictions in this Section 9.05 shall indemnify and hold harmless the Servicer, the Depositor and the Trust from and against
any and all losses, liabilities, claims, costs or expenses incurred by such parties as a result of such acquisition.

 

(m)The Designated
Guidelines attached as Exhibit 1.01 are hereby removed from the Purchase and Servicing Agreement and the reference to Designated
Guidelines in the Table of Contents shall be replaced with “[Reserved.]”

    	19

    	 

    

(n)The first sentence
of Section 5.14 is hereby deleted and replaced in its entirety with the following:

 

If title to
any Mortgaged Property is acquired in foreclosure or by deed in lieu of foreclosure (each, an “REO Property”), the
deed or certificate of sale shall be taken in the name of the Trust, where permitted by applicable law or regulation, and where
not so permitted, in the name of the trustee of the Trust or its nominee.

 

(o)Servicer Reports.
The Servicer shall provide monthly reports to the Purchaser pursuant to Section 6.02 in the formats attached hereto as Exhibits
13 and 14, or in such other format as the Servicer, the Purchaser and the Depositor shall agree in writing.

 

(p)Indemnification
Expenses. The second sentence of Section 9.01 is hereby deleted and replaced in its entirety with the following:

 

The Seller
or Servicer, as the case may be, shall immediately (i) notify the Purchaser if a claim is made by a third party with respect to
this Agreement, any Mortgage Loan and/or any REO Property (ii) assume the defense of any such claim and pay all expenses in connection
therewith, including attorneys’ fees, and (iii) promptly pay, discharge and satisfy any judgment, award, or decree that may
be entered against it or the Purchaser in respect of such claim.

 

19.The rights under
the Purchase and Servicing Agreement assigned to the Depositor and the Assignee pursuant to this Agreement shall be under the Purchase
and Servicing Agreement as amended by this Agreement.

 

 

Miscellaneous

 

20.All demands,
notices and communications related to the Mortgage Loans, the Purchase and Servicing Agreement and this Agreement shall be in writing
and shall be deemed to have been duly given if personally delivered at or mailed by registered mail, postage prepaid, as follows:

 

		(a)	In the case of PHH,

 

PHH Mortgage Corporation

One Mortgage Way

Mount Laurel, New Jersey
08054

Attention: Vice President
Servicing

 

with a copy to

 

PHH Mortgage Corporation

One Mortgage Way

Mount Laurel, New Jersey
08054

Attention: Fred Kinkler,
Assistant General Counsel

    	20

    	 

    

		(b)	In the case of Assignee,

 

U.S. Bank National Association

60 Livingston Avenue

EP-MN-WS3D

St. Paul, Minnesota,
55107

Attention: Structured
Finance – Sequoia Mortgage Loan Trust 2012-2

 

		(c)	In the case of Depositor,

 

Sequoia Residential Funding,
Inc.

One Belvedere Place,
Suite 360

Mill Valley, California
94941

Attention: William Moliski

 

with a copy to

 

General Counsel at the
same address

 

		(d)	In the case of Assignor,

 

Redwood Residential Acquisition
Corporation

One Belvedere Place,
Suite 360

Mill Valley, California
94941

Attention: William Moliski

 

with a copy to

 

General Counsel at the
same address

 

		(e)	In the case of the Master Servicer,

 

Wells Fargo Bank, N.A.

9062 Old Annapolis Road

Columbia, Maryland 21045

 

Telephone number: (410) 884-2000

Facsimile number: (410) 715-2380

Attention: Client Manager -- Sequoia
Mortgage Trust 2012-2

 

    	21

    	 

    

		(f)	In the case of the Controlling Holder,

 

Sequoia Mortgage Funding
Corporation

One Belvedere Place,
Suite 360

Mill Valley, California
94941

Attention: William Moliski

 

with a copy to

 

General Counsel at the
same address

 

21.This Agreement
shall be construed in accordance with the laws of the State of New York, except to the extent preempted by Federal law, and the
obligations, rights and remedies of the parties hereunder shall be determined in accordance with such laws, without regard to the
conflicts of laws provisions of the State of New York or any other jurisdiction.

 

22.No term or provision
of this Agreement may be waived or modified unless such waiver or modification is in writing and signed by the party against whom
such waiver or modification is sought to be enforced.

 

23.This Agreement
shall inure to the benefit of the successors and assigns of the parties hereto. Any entity into which Assignor, Depositor, Assignee
or PHH may be merged or consolidated shall, without the requirement for any further writing, be deemed Assignor, Depositor, Assignee
or PHH, respectively, hereunder.

 

24.This Agreement
shall survive the conveyance of the Mortgage Loans, the assignment the Purchase and Servicing Agreement by Assignor to Assignee,
and the termination of the Purchase and Servicing Agreement.

 

25.This Agreement
may be executed simultaneously in any number of counterparts. Each counterpart shall be deemed to be an original, and all such
counterparts shall constitute one and the same instrument.

 

26. The Controlling
Holder under the Pooling and Servicing Agreement is an express third party beneficiary of this Agreement, and shall have the same
power and ability to exercise and enforce the rights stated to be provided to it hereunder as if it were a signatory hereto. PHH
hereby consents to such exercise and enforcement.

 

27.It is expressly
understood and agreed by the parties hereto that insofar as this Agreement is executed by the Trustee as the Assignee (i) this
Agreement is executed and delivered by U.S. Bank National Association (“U.S. Bank”) not in its individual capacity
but solely as Trustee on behalf of the trust created by the Pooling and Servicing Agreement referred to herein (the “Trust”)
in the exercise of the powers and authority conferred upon and vested in it, and as directed in the Pooling and Servicing Agreement,
(ii) each of the undertakings and agreements herein made on behalf of the Trust is made and intended not as a personal undertaking
or agreement of or by U.S. Bank but is made and intended for purposes of binding only the Trust, (iii) nothing herein contained
shall be construed as creating any liability on the part of U.S. Bank, individually or personally, to perform any covenant either
express or implied in this Agreement, 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 U.S. Bank in its individual capacity or
in its capacity as Trustee be personally liable for the payment of any indebtedness, amounts or expenses owed by the Purchaser
under the Servicing Agreement (such indebtedness, expenses and other amounts being payable solely from and to the extent of funds
of the Trust) or be personally liable for the breach or failure of any obligation, representation, warranty or covenant made under
this Agreement or any other related documents.

    	22

    	 

    

28.Master Servicer.
PHH hereby acknowledges that the Assignee has appointed Wells Fargo Bank, N.A. to act as master servicer and securities administrator
under the Pooling and Servicing Agreement and hereby agrees to treat all inquiries, demands, instructions, authorizations and other
communications from the Master Servicer as if the same had been received from the Assignee. The Master Servicer, acting on behalf
of the Assignee, shall have the rights of the Assignee hereunder and the rights of the Assignee as the Purchaser under the Purchase
and Servicing Agreement, including, without limitation, the right to enforce the obligations of the Seller and Servicer hereunder
and thereunder and the right to exercise the remedies of the Purchaser hereunder and thereunder, except to the extent such rights
have been retained by the Assignor under Section 16 hereof.

 

29.PHH shall make
all remittances due by it to the Purchaser with respect to the Mortgage Loans to the following account by wire transfer of immediately
available funds:

 

Wells Fargo Bank, N.A.

San Francisco, California

ABA# 121-000-248

Account #3970771416

Account Name: SAS Clearing

FFC: Account #6188200, Sequoia
Mortgage Trust 2012-2 Distribution Account

 

30.PHH acknowledges
that the custodian will be Wells Fargo Bank, N.A. acting pursuant to the Custodial Agreement. Requests for Mortgage Loan Documents
under Section 2.04 of the Purchase and Servicing Agreement shall be directed to Wells Fargo Bank, N.A., as custodian, using the
form of Request for Release in the form of Exhibit F hereto. PHH shall provide the Custodian with the specimen signatures of PHH's
authorized servicing representatives using the form in Exhibit D-3 hereto. Notwithstanding Section 2.04 of the Purchase and Servicing
Agreement, PHH shall pay shipping expenses for any Mortgage Loan Documents if there has been a breach of any representation or
warranty made with respect to the related Mortgage Loan in Section 3.03 of the Purchase and Servicing Agreement.

    	23

    	 

    

31.Assignor hereby
requests that PHH furnish each Mortgagor with the notice described in Section 2.07 of the Purchase and Servicing Agreement, in
accordance with the terms of Section 2.07 therein, and PHH hereby covenants that it shall furnish each Mortgagor with such notice
as provided therein.

 

32. PHH hereby
agrees that it shall provide information with respect to the Mortgage Loans or the origination or servicing thereof to any Rating
Agency or nationally recognized statistical rating organization (“NRSRO”) via electronic mail at rmbs17g5informationprovider@wellsfargo.com,
with a subject reference of “SEMT 2012-2” and an identification of the type of information being provided in the body
of such electronic mail. The Securities Administrator, as the initial Rule 17g-5 Information Provider (the “Rule 17g-5 Information
Provider”) shall notify PHH in writing of any change in the identity or contact information of the Rule 17g-5 Information
Provider. PHH shall have no liability for (i) the Rule 17g-5 Information Provider’s failure to post information provided
by it in accordance with the terms of this Agreement or (ii) any malfunction or disabling of the website maintained by the Rule
17g-5 Information Provider. None of the foregoing restrictions in this Section 31 prohibit or restrict oral or written communications,
or providing information, between PHH, on the one hand, and any Rating Agency or NRSRO, on the other hand, with regard to (i) such
Rating Agency’s or NRSRO’s review of the ratings it assigns to PHH, (ii) such Rating Agency’s or NRSRO’s
approval of PHH as a residential mortgage master, special or primary servicer, or (iii) such Rating Agency’s or NRSRO’s
evaluation of PHH’s origination or servicing operations in general; provided, however, that PHH shall not provide any information
relating to the Mortgage Loans to such Rating Agency or NRSRO in connection with such review and evaluation by such Rating Agency
or NRSRO unless: (x) borrower, property or deal specific identifiers are redacted; or (y) such information has already been provided
to the Rule 17g-5 Information Provider.

 

[REMAINDER OF THIS PAGE INTENTIONALLY LEFT
BLANK]

    	24

    	 

    

 

IN WITNESS WHEREOF,
the parties hereto have executed this Agreement the day and year first above written.

 

 

 

 

REDWOOD RESIDENTIAL ACQUISITION 

CORPORATION

Assignor

 

By:/s/ William Moliski            

Name:
William Moliski            

Title: Authorized
Officer              

 

 

SEQUOIA RESIDENTIAL FUNDING, INC.

Depositor

 

By: /s/ William Moliski          

Name:
William Moliski           

Title: Authorized Officer              

 

 

U.S. BANK NATIONAL ASSOCIATION, not in its 

individual
capacity but solely as Trustee,

Assignee

 

By: /s/ John L. Linssen              

Name: John L. Linssen               

Title: Vice
President                    

 

 

PHH Mortgage
Corporation

 

By: /s/ Allyn
Brown                     

Name: Allyn Brown                      

Title: Vice President                     

 

Accepted and agreed to by:

 

WELLS FARGO BANK, N.A.

Master Servicer

 

By: /s/ Graham M. Oglesby                                                                

Name: Graham M. Oglesby                                                           

Title: Vice
President                                                             

 

    	25

    	 

    

ATTACHMENT 1

 

MORTGAGE LOAN SCHEDULE

 

    	1

    	 

    

 

	KEY	Primary Servicer	Servicing Fee %	Servicing Fee—Flatdollar	Servicing Advance Methodology	Originator	Loan Group	Loan Number	Servicer Loan Number	Amortization Type	Lien Position	HELOC Indicator	Loan Purpose
	1	1000200	0.0025	 	 	1000200	1	2000001906	7123158854	1	1	0	7
	2	1000200	0.0025	 	 	1000200	1	2000001698	7122801413	1	1	0	9
	3	1000200	0.0025	 	 	1000200	1	2000001298	7122450732	1	1	0	9
	4	1000200	0.0025	 	 	1000200	1	2000001749	7121249382	1	1	0	7
	5	1000200	0.0025	 	 	1000200	1	2000001865	7123069945	1	1	0	9
	6	1000200	0.0025	 	 	1000200	1	2000001782	7122968667	1	1	0	7
	7	1000200	0.0025	 	 	1000200	1	2000001921	7122879120	1	1	0	7
	8	1000200	0.0025	 	 	1000200	1	2000001653	7122781219	1	1	0	7
	9	1000200	0.0025	 	 	1000200	1	2000001640	7114685766	1	1	0	9
	10	1000200	0.0025	 	 	1000200	1	2000001676	5050458610	1	1	0	7
	11	1000200	0.0025	 	 	1000200	1	2000002138	7123161031	1	1	0	7
	12	1000200	0.0025	 	 	1000200	1	2000002058	7123224946	1	1	0	7
	13	1000200	0.0025	 	 	1000200	1	2000002255	7123318243	1	1	0	7
	14	1000200	0.0025	 	 	1000200	1	2000001218	7122338366	1	1	0	9
	15	1000200	0.0025	 	 	1000200	1	2000001354	7122589844	1	1	0	9
	16	1000200	0.0025	 	 	1000200	1	2000001435	7122625549	1	1	0	3
	17	1000200	0.0025	 	 	1000200	1	2000001619	5040449679	1	1	0	9
	18	1000200	0.0025	 	 	1000200	1	2000001775	7122964005	1	1	0	9
	19	1000200	0.0025	 	 	1000200	1	2000001893	7123149051	1	1	0	7
	20	1000200	0.0025	 	 	1000200	1	2000001764	5040459397	1	1	0	9
	21	1000200	0.0025	 	 	1000200	1	2000001945	7123155892	1	1	0	7
	22	1000200	0.0025	 	 	1000200	1	2000002043	7115169695	1	1	0	7
	23	1000200	0.0025	 	 	1000200	1	2000002082	7123236262	1	1	0	7
	24	1000200	0.0025	 	 	1000200	1	2000002071	7123233004	1	1	0	7
	25	1000200	0.0025	 	 	1000200	1	2000002087	7123245396	1	1	0	7
	26	1000200	0.0025	 	 	1000200	1	2000002120	7123182383	1	1	0	7
	27	1000200	0.0025	 	 	1000200	1	2000002122	5040540303	1	1	0	9
	28	1000200	0.0025	 	 	1000200	1	2000002226	7123287430	1	1	0	7
	29	1000200	0.0025	 	 	1000200	1	2000002065	7123231768	1	1	0	7
	30	1000200	0.0025	 	 	1000200	1	2000001350	5040434879	1	1	0	9
	31	1000200	0.0025	 	 	1000200	1	2000002141	7115342870	1	1	0	7
	32	1000200	0.0025	 	 	1000200	1	2000001191	7122333359	1	1	0	9
	33	1000200	0.0025	 	 	1000200	1	2000001713	7122354785	1	1	0	9
	34	1000200	0.0025	 	 	1000200	1	2000001811	7122522597	1	1	0	9
	35	1000200	0.0025	 	 	1000200	1	2000001569	7122628782	1	1	0	9
	36	1000200	0.0025	 	 	1000200	1	2000001730	7122878973	1	1	0	9
	37	1000200	0.0025	 	 	1000200	1	2000001761	7122881274	1	1	0	3
	38	1000200	0.0025	 	 	1000200	1	2000001904	7123066891	1	1	0	9
	39	1000200	0.0025	 	 	1000200	1	2000001900	7123150612	1	1	0	6
	40	1000200	0.0025	 	 	1000200	1	2000001932	7123154903	1	1	0	9
	41	1000200	0.0025	 	 	1000200	1	2000002042	7123224110	1	1	0	9
	42	1000200	0.0025	 	 	1000200	1	2000002055	7123225117	1	1	0	9
	43	1000200	0.0025	 	 	1000200	1	2000002217	7123289030	1	1	0	9
	44	1000200	0.0025	 	 	1000200	1	2000002410	7123332632	1	1	0	9
	45	1000200	0.0025	 	 	1000200	1	2000002400	7123372497	1	1	0	7
	46	1000200	0.0025	 	 	1000200	1	2000002530	7123492568	1	1	0	7
	47	1000200	0.0025	 	 	1000200	1	2000002277	5040546151	1	1	0	9
	48	1000200	0.0025	 	 	1000200	1	2000002284	7122969798	1	1	0	3
	49	1000200	0.0025	 	 	1000200	1	2000002124	7123200136	1	1	0	7
	50	1000200	0.0025	 	 	1000200	1	2000002401	7123373024	1	1	0	7

 

	KEY	Cash Out Amount	Total Origination and Discount Points	Covered/High Cost Loan Indicator	Relocation Loan Indicator	Broker Indicator	Channel	Escrow Indicator	Senior Loan
 Amount(s)	Loan Type of Most
 Senior Lien	Hybrid Period of
 Most Senior Lien (in
 months)
	1	 	 	 	 	 	1	4	0	 	 
	2	 	 	 	 	 	1	4	0	 	 
	3	 	 	 	 	 	1	0	0	 	 
	4	 	 	 	 	 	1	0	0	 	 
	5	 	 	 	 	 	1	4	0	 	 
	6	 	 	 	 	 	1	0	0	 	 
	7	 	 	 	 	 	1	4	0	 	 
	8	 	 	 	 	 	1	4	0	 	 
	9	 	 	 	 	 	1	0	0	 	 
	10	 	 	 	 	 	1	0	0	 	 
	11	 	 	 	 	 	1	4	0	 	 
	12	 	 	 	 	 	1	4	0	 	 
	13	 	 	 	 	 	1	4	0	 	 
	14	 	 	 	 	 	1	0	0	 	 
	15	 	 	 	 	 	1	4	0	 	 
	16	 	 	 	 	 	1	0	0	 	 
	17	 	 	 	 	 	1	0	0	 	 
	18	 	 	 	 	 	1	0	0	 	 
	19	 	 	 	 	 	1	0	0	 	 
	20	 	 	 	 	 	1	4	0	 	 
	21	 	 	 	 	 	1	4	0	 	 
	22	 	 	 	 	 	1	4	0	 	 
	23	 	 	 	 	 	1	0	0	 	 
	24	 	 	 	 	 	1	0	0	 	 
	25	 	 	 	 	 	1	4	0	 	 
	26	 	 	 	 	 	1	0	0	 	 
	27	 	 	 	 	 	1	4	0	 	 
	28	 	 	 	 	 	1	0	0	 	 
	29	 	 	 	 	 	1	0	0	 	 
	30	 	 	 	 	 	1	4	0	 	 
	31	 	 	 	 	 	1	0	0	 	 
	32	 	 	 	 	 	1	4	0	 	 
	33	 	 	 	 	 	1	0	0	 	 
	34	 	 	 	 	 	1	0	0	 	 
	35	 	 	 	 	 	1	0	0	 	 
	36	 	 	 	 	 	1	4	0	 	 
	37	 	 	 	 	 	1	0	0	 	 
	38	 	 	 	 	 	1	0	0	 	 
	39	 	 	 	 	 	1	4	0	 	 
	40	 	 	 	 	 	1	0	0	 	 
	41	 	 	 	 	 	1	4	0	 	 
	42	 	 	 	 	 	1	0	0	 	 
	43	 	 	 	 	 	1	4	0	 	 
	44	 	 	 	 	 	1	0	0	 	 
	45	 	 	 	 	 	1	4	0	 	 
	46	 	 	 	 	 	1	4	0	 	 
	47	 	 	 	 	 	1	4	0	 	 
	48	 	 	 	 	 	1	4	0	 	 
	49	 	 	 	 	 	1	4	0	 	 
	50	 	 	 	 	 	1	4	0	 	 

 

	KEY	Neg Am Limit of
 Most Senior Lien	Junior Mortgage
 Balance	Origination Date of
 Most Senior Lien	Origination Date	Original Loan
 Amount	Original Interest
 Rate	Original
 Amortization Term	Original Term to
 Maturity	First Payment Date
 of Loan	Interest Type
 Indicator	Original Interest
 Only Term	Buy Down Period	HELOC Draw Period
	1	 	0.00	 	20111114	609,200.00	0.0475	360	360	20120101	1	0	0	 
	2	 	0.00	 	20111110	841,230.00	0.0475	360	360	20120101	1	0	0	 
	3	 	0.00	 	20111111	1,326,420.00	0.0475	360	360	20120101	1	0	0	 
	4	 	0.00	 	20111117	810,000.00	0.0463	360	360	20120101	1	0	0	 
	5	 	0.00	 	20111124	472,000.00	0.0500	360	360	20120101	1	0	0	 
	6	 	0.00	 	20111123	620,000.00	0.0488	360	360	20120101	1	0	0	 
	7	 	0.00	 	20111117	999,999.00	0.0500	360	360	20120101	1	0	0	 
	8	 	0.00	 	20111114	999,999.00	0.0488	360	360	20120101	1	0	0	 
	9	 	0.00	 	20111101	1,080,000.00	0.0500	360	360	20120101	1	0	0	 
	10	 	0.00	 	20110929	800,000.00	0.0463	360	360	20111101	1	0	0	 
	11	 	0.00	 	20111213	999,900.00	0.0475	360	360	20120201	1	0	0	 
	12	 	0.00	 	20111223	639,600.00	0.0450	360	360	20120201	1	0	0	 
	13	 	0.00	 	20120106	562,500.00	0.0488	360	360	20120301	1	0	0	 
	14	 	350,000.00	 	20111114	998,353.70	0.0475	360	360	20120101	1	0	0	 
	15	 	0.00	 	20111118	939,656.00	0.0488	360	360	20120101	1	0	0	 
	16	 	406,500.00	 	20111118	608,285.00	0.0463	360	360	20120101	1	0	0	 
	17	 	0.00	 	20111130	1,367,240.00	0.0450	360	360	20120101	1	0	0	 
	18	 	0.00	 	20111128	770,000.00	0.0463	360	360	20120101	1	0	0	 
	19	 	0.00	 	20111208	583,200.00	0.0513	360	360	20120201	1	0	0	 
	20	 	0.00	 	20111223	892,500.00	0.0475	360	360	20120201	1	0	0	 
	21	 	0.00	 	20111201	825,000.00	0.0488	360	360	20120101	1	0	0	 
	22	 	0.00	 	20111121	2,000,000.00	0.0475	360	360	20120101	1	0	0	 
	23	 	0.00	 	20111209	600,000.00	0.0463	360	360	20120201	1	0	0	 
	24	 	0.00	 	20111208	580,000.00	0.0463	360	360	20120201	1	0	0	 
	25	 	0.00	 	20111130	542,500.00	0.0425	360	360	20120101	1	0	0	 
	26	 	0.00	 	20111202	838,035.00	0.0438	360	360	20120201	1	0	0	 
	27	 	152,500.00	 	20111230	562,250.00	0.0463	360	360	20120201	1	0	0	 
	28	 	0.00	 	20111228	437,500.00	0.0463	360	360	20120201	1	0	0	 
	29	 	0.00	 	20111227	520,000.00	0.0463	360	360	20120201	1	0	0	 
	30	 	57,000.00	 	20111215	633,000.00	0.0475	360	360	20120201	1	0	0	 
	31	 	0.00	 	20111212	1,240,000.00	0.0475	360	360	20120201	1	0	0	 
	32	 	97,916.82	 	20111209	895,683.18	0.0488	360	360	20120201	1	0	0	 
	33	 	0.00	 	20120120	544,462.21	0.0438	360	360	20120301	1	0	0	 
	34	 	225,000.00	 	20120106	525,800.00	0.0475	360	360	20120301	1	0	0	 
	35	 	115,000.00	 	20111230	918,500.00	0.0475	360	360	20120201	1	0	0	 
	36	 	0.00	 	20111121	686,120.00	0.0450	360	360	20120101	1	0	0	 
	37	 	340,000.00	 	20111212	580,056.00	0.0463	360	360	20120201	1	0	0	 
	38	 	0.00	 	20120104	1,000,000.00	0.0500	360	360	20120301	1	0	0	 
	39	 	0.00	 	20111209	456,000.00	0.0475	360	360	20120201	1	0	0	 
	40	 	0.00	 	20111223	968,616.00	0.0500	360	360	20120201	1	0	0	 
	41	 	0.00	 	20120120	744,000.00	0.0463	360	360	20120301	1	0	0	 
	42	 	0.00	 	20111230	634,500.00	0.0463	360	360	20120201	1	0	0	 
	43	 	0.00	 	20120123	804,532.00	0.0463	360	360	20120301	1	0	0	 
	44	 	0.00	 	20120207	475,000.00	0.0488	360	360	20120401	1	0	0	 
	45	 	0.00	 	20120103	708,000.00	0.0475	360	360	20120301	1	0	0	 
	46	 	0.00	 	20120130	640,000.00	0.0450	360	360	20120301	1	0	0	 
	47	 	0.00	 	20120207	854,200.00	0.0463	360	360	20120401	1	0	0	 
	48	 	0.00	 	20120125	349,600.00	0.0475	360	360	20120301	1	0	0	 
	49	 	0.00	 	20111201	940,000.00	0.0513	360	360	20120201	1	0	0	 
	50	 	0.00	 	20120213	1,304,250.00	0.0463	360	360	20120401	1	0	0	 

 

	KEY	Current Loan
 Amount	Current Interest
 Rate	Current Payment
 Amount Due	Interest Paid
 Through Date	Current Payment
 Status	Index Type	ARM Look-back
 Days	Gross Margin	ARM Round Flag	ARM Round Factor	Initial Fixed Rate
 Period	Initial Interest Rate
 Cap (Change Up)	Initial Interest Rate
 Cap (Change Down)
	1	606,891.50	0.0475	3,177.88	20120301	0	0	 	 	 	 	 	 	 
	2	838,042.24	0.0475	4,388.26	20120301	0	0	 	 	 	 	 	 	 
	3	1,321,393.67	0.0475	6,919.24	20120301	0	0	 	 	 	 	 	 	 
	4	806,859.93	0.0463	4,164.54	20120301	0	0	 	 	 	 	 	 	 
	5	468,764.38	0.0500	2,533.80	20120301	0	0	 	 	 	 	 	 	 
	6	617,703.64	0.0488	3,281.10	20120301	0	0	 	 	 	 	 	 	 
	7	996,379.29	0.0500	5,368.22	20120301	0	0	 	 	 	 	 	 	 
	8	996,295.25	0.0488	5,292.08	20120301	0	0	 	 	 	 	 	 	 
	9	1,076,090.74	0.0500	5,797.67	20120301	0	0	 	 	 	 	 	 	 
	10	794,811.22	0.0463	4,113.12	20120301	0	0	 	 	 	 	 	 	 
	11	997,378.98	0.0475	5,215.96	20120301	0	0	 	 	 	 	 	 	 
	12	637,912.32	0.0450	3,240.76	20120301	0	0	 	 	 	 	 	 	 
	13	561,808.36	0.0488	2,976.80	20120301	0	0	 	 	 	 	 	 	 
	14	993,982.85	0.0475	5,207.89	20120301	0	0	 	 	 	 	 	 	 
	15	936,175.74	0.0488	4,972.74	20120301	0	0	 	 	 	 	 	 	 
	16	605,926.90	0.0463	3,127.44	20120301	0	0	 	 	 	 	 	 	 
	17	1,361,818.34	0.0450	6,927.61	20120301	0	0	 	 	 	 	 	 	 
	18	767,015.01	0.0463	3,958.88	20120301	0	0	 	 	 	 	 	 	 
	19	581,827.68	0.0513	3,175.45	20120301	0	0	 	 	 	 	 	 	 
	20	888,245.80	0.0475	4,655.71	20120301	0	0	 	 	 	 	 	 	 
	21	821,944.39	0.0488	4,365.97	20120301	0	0	 	 	 	 	 	 	 
	22	1,992,421.24	0.0475	10,432.95	20120301	0	0	 	 	 	 	 	 	 
	23	598,452.34	0.0463	3,084.84	20120301	0	0	 	 	 	 	 	 	 
	24	578,503.94	0.0463	2,982.01	20120301	0	0	 	 	 	 	 	 	 
	25	540,249.77	0.0425	2,668.78	20120301	0	0	 	 	 	 	 	 	 
	26	835,773.18	0.0438	4,184.19	20120301	0	0	 	 	 	 	 	 	 
	27	560,799.73	0.0463	2,890.75	20120301	0	0	 	 	 	 	 	 	 
	28	435,995.86	0.0463	2,249.37	20120301	0	0	 	 	 	 	 	 	 
	29	518,658.70	0.0463	2,673.53	20120301	0	0	 	 	 	 	 	 	 
	30	630,400.07	0.0475	3,302.03	20120301	0	0	 	 	 	 	 	 	 
	31	1,236,371.65	0.0475	6,468.43	20120301	0	0	 	 	 	 	 	 	 
	32	893,476.07	0.0488	4,740.03	20120301	0	0	 	 	 	 	 	 	 
	33	543,728.81	0.0438	2,718.42	20120301	0	0	 	 	 	 	 	 	 
	34	525,138.46	0.0475	2,742.83	20120301	0	0	 	 	 	 	 	 	 
	35	915,266.06	0.0475	4,791.34	20120301	0	0	 	 	 	 	 	 	 
	36	683,399.26	0.0450	3,476.47	20120301	0	0	 	 	 	 	 	 	 
	37	578,559.78	0.0463	2,982.30	20120301	0	0	 	 	 	 	 	 	 
	38	998,798.45	0.0500	5,368.22	20120301	0	0	 	 	 	 	 	 	 
	39	454,850.29	0.0475	2,378.72	20120301	0	0	 	 	 	 	 	 	 
	40	966,283.45	0.0500	5,199.75	20120301	0	0	 	 	 	 	 	 	 
	41	743,042.30	0.0463	3,825.20	20120301	0	0	 	 	 	 	 	 	 
	42	632,863.35	0.0463	3,262.22	20120301	0	0	 	 	 	 	 	 	 
	43	803,496.38	0.0463	4,136.42	20120301	0	0	 	 	 	 	 	 	 
	44	475,000.00	0.0488	2,513.74	20120301	0	0	 	 	 	 	 	 	 
	45	707,109.23	0.0475	3,693.27	20120301	0	0	 	 	 	 	 	 	 
	46	639,157.21	0.0450	3,242.79	20120301	0	0	 	 	 	 	 	 	 
	47	854,200.00	0.0463	4,391.78	20120301	0	0	 	 	 	 	 	 	 
	48	349,160.15	0.0475	1,823.68	20120301	0	0	 	 	 	 	 	 	 
	49	937,788.09	0.0513	5,118.18	20120301	0	0	 	 	 	 	 	 	 
	50	1,304,250.00	0.0463	6,705.67	20120301	0	0	 	 	 	 	 	 	 

 

	KEY	Subsequent Interest
 Rate Reset Period	Subsequent Interest
 Rate Cap (Change Down)	Subsequent Interest
 Rate Cap (Change
 Up)	Lifetime Maximum
 Rate (Ceiling)	Lifetime Minimum
 Rate (Floor)	Negative
 Amortization Limit	Initial Negative
 Amortization Recast
 Period	Subsequent
 Negative
 Amortization Recast
 Period	Initial Fixed
 Payment Period	Subsequent
 Payment Reset
 Period	Initial Periodic
 Payment Cap
	1	 	 	 	 	 	 	 	 	 	 	 
	2	 	 	 	 	 	 	 	 	 	 	 
	3	 	 	 	 	 	 	 	 	 	 	 
	4	 	 	 	 	 	 	 	 	 	 	 
	5	 	 	 	 	 	 	 	 	 	 	 
	6	 	 	 	 	 	 	 	 	 	 	 
	7	 	 	 	 	 	 	 	 	 	 	 
	8	 	 	 	 	 	 	 	 	 	 	 
	9	 	 	 	 	 	 	 	 	 	 	 
	10	 	 	 	 	 	 	 	 	 	 	 
	11	 	 	 	 	 	 	 	 	 	 	 
	12	 	 	 	 	 	 	 	 	 	 	 
	13	 	 	 	 	 	 	 	 	 	 	 
	14	 	 	 	 	 	 	 	 	 	 	 
	15	 	 	 	 	 	 	 	 	 	 	 
	16	 	 	 	 	 	 	 	 	 	 	 
	17	 	 	 	 	 	 	 	 	 	 	 
	18	 	 	 	 	 	 	 	 	 	 	 
	19	 	 	 	 	 	 	 	 	 	 	 
	20	 	 	 	 	 	 	 	 	 	 	 
	21	 	 	 	 	 	 	 	 	 	 	 
	22	 	 	 	 	 	 	 	 	 	 	 
	23	 	 	 	 	 	 	 	 	 	 	 
	24	 	 	 	 	 	 	 	 	 	 	 
	25	 	 	 	 	 	 	 	 	 	 	 
	26	 	 	 	 	 	 	 	 	 	 	 
	27	 	 	 	 	 	 	 	 	 	 	 
	28	 	 	 	 	 	 	 	 	 	 	 
	29	 	 	 	 	 	 	 	 	 	 	 
	30	 	 	 	 	 	 	 	 	 	 	 
	31	 	 	 	 	 	 	 	 	 	 	 
	32	 	 	 	 	 	 	 	 	 	 	 
	33	 	 	 	 	 	 	 	 	 	 	 
	34	 	 	 	 	 	 	 	 	 	 	 
	35	 	 	 	 	 	 	 	 	 	 	 
	36	 	 	 	 	 	 	 	 	 	 	 
	37	 	 	 	 	 	 	 	 	 	 	 
	38	 	 	 	 	 	 	 	 	 	 	 
	39	 	 	 	 	 	 	 	 	 	 	 
	40	 	 	 	 	 	 	 	 	 	 	 
	41	 	 	 	 	 	 	 	 	 	 	 
	42	 	 	 	 	 	 	 	 	 	 	 
	43	 	 	 	 	 	 	 	 	 	 	 
	44	 	 	 	 	 	 	 	 	 	 	 
	45	 	 	 	 	 	 	 	 	 	 	 
	46	 	 	 	 	 	 	 	 	 	 	 
	47	 	 	 	 	 	 	 	 	 	 	 
	48	 	 	 	 	 	 	 	 	 	 	 
	49	 	 	 	 	 	 	 	 	 	 	 
	50	 	 	 	 	 	 	 	 	 	 	 

 

	KEY	Subsequent
 Periodic Payment
 Cap	Initial Minimum
 Payment Reset
 Period	Subsequent
 Minimum Payment
 Reset Period	Option ARM
 Indicator	Options at Recast	Initial Minimum
 Payment	Current Minimum
 Payment	Prepayment Penalty
 Calculation	Prepayment Penalty
 Type	Prepayment Penalty
 Total Term	Prepayment Penalty
 Hard Term	Primary Borrower ID
	1	 	 	 	 	 	 	 	 	 	0	 	232
	2	 	 	 	 	 	 	 	 	 	0	 	139
	3	 	 	 	 	 	 	 	 	 	0	 	74
	4	 	 	 	 	 	 	 	 	 	0	 	295
	5	 	 	 	 	 	 	 	 	 	0	 	6
	6	 	 	 	 	 	 	 	 	 	0	 	203
	7	 	 	 	 	 	 	 	 	 	0	 	218
	8	 	 	 	 	 	 	 	 	 	0	 	170
	9	 	 	 	 	 	 	 	 	 	0	 	292
	10	 	 	 	 	 	 	 	 	 	0	 	66
	11	 	 	 	 	 	 	 	 	 	0	 	16
	12	 	 	 	 	 	 	 	 	 	0	 	151
	13	 	 	 	 	 	 	 	 	 	0	 	198
	14	 	 	 	 	 	 	 	 	 	0	 	78
	15	 	 	 	 	 	 	 	 	 	0	 	150
	16	 	 	 	 	 	 	 	 	 	0	 	104
	17	 	 	 	 	 	 	 	 	 	0	 	224
	18	 	 	 	 	 	 	 	 	 	0	 	51
	19	 	 	 	 	 	 	 	 	 	0	 	153
	20	 	 	 	 	 	 	 	 	 	0	 	251
	21	 	 	 	 	 	 	 	 	 	0	 	62
	22	 	 	 	 	 	 	 	 	 	0	 	325
	23	 	 	 	 	 	 	 	 	 	0	 	263
	24	 	 	 	 	 	 	 	 	 	0	 	309
	25	 	 	 	 	 	 	 	 	 	0	 	163
	26	 	 	 	 	 	 	 	 	 	0	 	130
	27	 	 	 	 	 	 	 	 	 	0	 	212
	28	 	 	 	 	 	 	 	 	 	0	 	252
	29	 	 	 	 	 	 	 	 	 	0	 	187
	30	 	 	 	 	 	 	 	 	 	0	 	194
	31	 	 	 	 	 	 	 	 	 	0	 	27
	32	 	 	 	 	 	 	 	 	 	0	 	58
	33	 	 	 	 	 	 	 	 	 	0	 	137
	34	 	 	 	 	 	 	 	 	 	0	 	157
	35	 	 	 	 	 	 	 	 	 	0	 	226
	36	 	 	 	 	 	 	 	 	 	0	 	25
	37	 	 	 	 	 	 	 	 	 	0	 	154
	38	 	 	 	 	 	 	 	 	 	0	 	238
	39	 	 	 	 	 	 	 	 	 	0	 	120
	40	 	 	 	 	 	 	 	 	 	0	 	209
	41	 	 	 	 	 	 	 	 	 	0	 	57
	42	 	 	 	 	 	 	 	 	 	0	 	190
	43	 	 	 	 	 	 	 	 	 	0	 	133
	44	 	 	 	 	 	 	 	 	 	0	 	158
	45	 	 	 	 	 	 	 	 	 	0	 	109
	46	 	 	 	 	 	 	 	 	 	0	 	222
	47	 	 	 	 	 	 	 	 	 	0	 	89
	48	 	 	 	 	 	 	 	 	 	0	 	246
	49	 	 	 	 	 	 	 	 	 	0	 	214
	50	 	 	 	 	 	 	 	 	 	0	 	167

 

	KEY	Number of
 Mortgaged
 Properties	Total Number of
 Borrowers	Self-employment
 Flag	Current ‘Other’
 Monthly Payment	Length of
 Employment:
 Borrower	Length of
 Employment: Co-
 Borrower	Years in Home	FICO Model Used	Most Recent FICO
 Date	Primary Wage
 Earner Original
 FICO: Equifax	Primary Wage
 Earner Original
 FICO: Experian	Primary Wage
 Earner Original
 FICO: TransUnion	Secondary Wage
 Earner Original
 FICO: Equifax
	1	2	 	0	 	18.32	 	0.00	1	 	 	 	 	 
	2	2	 	0	 	13.08	 	1.00	1	 	 	 	 	 
	3	1	 	0	 	5.18	 	3.58	1	 	 	 	 	 
	4	1	 	0	 	1.18	 	0.00	1	 	 	 	 	 
	5	1	 	0	 	3.80	4.00	3.50	1	 	 	 	 	 
	6	2	 	0	 	11.84	 	0.00	1	 	 	 	 	 
	7	3	 	1	 	2.75	 	0.00	1	 	 	 	 	 
	8	1	 	0	 	25.00	 	0.00	1	 	 	 	 	 
	9	1	 	1	 	12.00	 	12.00	1	 	 	 	 	 
	10	1	 	1	 	2.00	 	0.00	1	20120227	 	 	 	 
	11	2	 	1	 	24.09	0.00	0.00	1	 	 	 	 	 
	12	2	 	1	 	3.00	 	0.00	1	 	 	 	 	 
	13	2	 	0	 	0.76	1.00	0.00	1	 	 	 	 	 
	14	1	 	0	 	11.82	9.00	7.00	1	 	 	 	 	 
	15	1	 	0	 	33.00	 	4.33	1	 	 	 	 	 
	16	1	 	1	 	20.00	 	2.00	1	 	 	 	 	 
	17	1	 	1	 	15.00	4.00	4.50	1	 	 	 	 	 
	18	1	 	0	 	0.00	0.00	6.00	1	 	 	 	 	 
	19	2	 	1	 	10.00	7.40	0.00	1	 	 	 	 	 
	20	2	 	1	 	3.00	3.00	8.00	1	 	 	 	 	 
	21	2	 	0	 	7.60	0.00	0.00	1	 	 	 	 	 
	22	2	 	0	 	5.60	 	0.00	1	 	 	 	 	 
	23	2	 	1	 	3.92	 	0.00	1	 	 	 	 	 
	24	2	 	0	 	15.50	5.00	0.00	1	 	 	 	 	 
	25	2	 	0	 	13.92	0.00	0.00	1	 	 	 	 	 
	26	2	 	0	 	7.80	0.00	0.00	1	 	 	 	 	 
	27	1	 	0	 	16.00	 	8.50	1	 	 	 	 	 
	28	3	 	1	 	8.67	10.50	0.00	1	 	 	 	 	 
	29	1	 	0	 	3.50	0.00	0.00	1	 	 	 	 	 
	30	1	 	0	 	14.50	 	8.50	1	 	 	 	 	 
	31	2	 	1	 	23.00	 	0.00	1	 	 	 	 	 
	32	2	 	0	 	1.23	0.33	3.50	1	 	 	 	 	 
	33	1	 	0	 	20.86	 	6.83	1	 	 	 	 	 
	34	1	 	0	 	0.00	 	33.00	1	 	 	 	 	 
	35	2	 	1	 	32.01	 	11.17	1	 	 	 	 	 
	36	1	 	0	 	1.45	 	2.25	1	 	 	 	 	 
	37	1	 	0	 	0.00	 	16.67	1	 	 	 	 	 
	38	1	 	0	 	3.75	 	10.00	1	 	 	 	 	 
	39	1	 	1	 	0.92	 	0.00	1	 	 	 	 	 
	40	1	 	0	 	7.75	 	2.50	1	 	 	 	 	 
	41	1	 	0	 	15.37	 	4.08	1	 	 	 	 	 
	42	1	 	0	 	2.00	 	13.83	1	 	 	 	 	 
	43	1	 	0	 	5.38	 	13.92	1	 	 	 	 	 
	44	3	 	0	 	11.70	 	11.92	1	 	 	 	 	 
	45	1	 	0	 	9.52	 	0.00	1	 	 	 	 	 
	46	2	 	0	 	22.25	 	0.00	1	 	 	 	 	 
	47	1	 	1	 	8.07	 	5.33	1	 	 	 	 	 
	48	1	 	0	 	3.82	4.74	4.67	1	 	 	 	 	 
	49	4	 	1	 	11.92	11.92	0.00	1	 	 	 	 	 
	50	1	 	0	 	10.03	0.24	0.00	1	 	 	 	 	 

 

	KEY	Secondary Wage
 Earner Original
 FICO: Experian	Secondary Wage
 Earner Original
 FICO: TransUnion	Original
 Primary Borrower
 FICO	Most Recent
 Primary Borrower
 FICO	Most Recent Co-
 Borrower FICO	Most Recent FICO
 Method	VantageScore:
 Primary Borrower	VantageScore: Co-
 Borrower	Most Recent
 VantageScore
 Method	VantageScore Date	Credit Report:
 Longest Trade Line
	1	 	 	748	 	 	 	 	 	 	 	 
	2	 	 	789	 	 	 	 	 	 	 	 
	3	 	 	804	 	 	 	 	 	 	 	 
	4	 	 	759	 	 	 	 	 	 	 	 
	5	 	 	788	 	 	 	 	 	 	 	 
	6	 	 	794	 	 	 	 	 	 	 	 
	7	 	 	798	 	 	 	 	 	 	 	 
	8	 	 	735	 	 	 	 	 	 	 	 
	9	 	 	732	 	 	 	 	 	 	 	 
	10	 	 	760	777	 	 	 	 	 	 	 
	11	 	 	744	 	 	 	 	 	 	 	 
	12	 	 	729	 	 	 	 	 	 	 	 
	13	 	 	785	 	 	 	 	 	 	 	 
	14	 	 	780	 	 	 	 	 	 	 	 
	15	 	 	752	 	 	 	 	 	 	 	 
	16	 	 	797	 	 	 	 	 	 	 	 
	17	 	 	801	 	 	 	 	 	 	 	 
	18	 	 	760	 	 	 	 	 	 	 	 
	19	 	 	781	 	 	 	 	 	 	 	 
	20	 	 	783	 	 	 	 	 	 	 	 
	21	 	 	763	 	 	 	 	 	 	 	 
	22	 	 	811	 	 	 	 	 	 	 	 
	23	 	 	748	 	 	 	 	 	 	 	 
	24	 	 	770	 	 	 	 	 	 	 	 
	25	 	 	759	 	 	 	 	 	 	 	 
	26	 	 	773	 	 	 	 	 	 	 	 
	27	 	 	733	 	 	 	 	 	 	 	 
	28	 	 	792	 	 	 	 	 	 	 	 
	29	 	 	773	 	 	 	 	 	 	 	 
	30	 	 	783	 	 	 	 	 	 	 	 
	31	 	 	790	 	 	 	 	 	 	 	 
	32	 	 	781	 	 	 	 	 	 	 	 
	33	 	 	774	 	 	 	 	 	 	 	 
	34	 	 	786	 	 	 	 	 	 	 	 
	35	 	 	776	 	 	 	 	 	 	 	 
	36	 	 	735	 	 	 	 	 	 	 	 
	37	 	 	804	 	 	 	 	 	 	 	 
	38	 	 	787	 	 	 	 	 	 	 	 
	39	 	 	796	 	 	 	 	 	 	 	 
	40	 	 	809	 	 	 	 	 	 	 	 
	41	 	 	784	 	 	 	 	 	 	 	 
	42	 	 	747	 	 	 	 	 	 	 	 
	43	 	 	764	 	 	 	 	 	 	 	 
	44	 	 	739	 	 	 	 	 	 	 	 
	45	 	 	758	 	 	 	 	 	 	 	 
	46	 	 	780	 	 	 	 	 	 	 	 
	47	 	 	800	 	 	 	 	 	 	 	 
	48	 	 	755	 	 	 	 	 	 	 	 
	49	 	 	716	 	 	 	 	 	 	 	 
	50	 	 	754	 	 	 	 	 	 	 	 

 

	KEY	Credit Report:
 Maximum Trade
 Line	Credit Report:
 Number of Trade
 Lines	Credit Line Usage
 Ratio	Most Recent 12-
 month Pay History	Months Bankruptcy	Months Foreclosure	Primary Borrower
 Wage Income	Co-Borrower Wage
 Income	Primary Borrower
 Other Income	Co-Borrower Other
 Income
	1	 	 	 	000000000000	 	 	12,666.68	0.00	4,964.75	0.00
	2	 	 	 	000000000000	 	 	22,916.67	 	3,911.75	 
	3	 	 	 	000000000000	 	 	25,000.00	 	33,680.56	 
	4	 	 	 	000000000000	 	 	15,386.80	0.00	0.00	0.00
	5	 	 	 	000000000000	 	 	12,303.20	13,584.81	0.00	0.00
	6	 	 	 	000000000000	 	 	21,666.66	 	0.00	 
	7	 	 	 	000000000000	 	 	0.00	73,694.62	0.00	0.00
	8	 	 	 	000000000000	 	 	25,000.00	0.00	0.00	0.00
	9	 	 	 	000000000000	 	 	35,887.75	0.00	-13,165.92	0.00
	10	 	 	 	000000000000	 	 	34,705.08	0.00	-348.00	0.00
	11	 	 	 	000000000000	 	 	42,743.42	0.00	0.00	0.00
	12	 	 	 	000000000000	 	 	14,083.00	 	0.00	 
	13	 	 	 	000000000000	 	 	14,000.00	0.00	0.00	0.00
	14	 	 	 	000000000000	 	 	17,174.95	11,250.00	4,347.22	3,437.50
	15	 	 	 	000000000000	 	 	39,312.50	 	0.00	 
	16	 	 	 	000000000000	 	 	23,543.00	 	1,492.92	 
	17	 	 	 	000000000000	 	 	19,035.00	4,167.00	-253.00	2,154.00
	18	 	 	 	000000000000	 	 	0.00	0.00	1,480.00	16,287.80
	19	 	 	 	000000000000	 	 	20,733.09	5,523.92	0.00	0.00
	20	 	 	 	000000000000	 	 	24,256.00	28,459.00	0.00	0.00
	21	 	 	 	000000000000	 	 	25,000.00	0.00	15,384.33	0.00
	22	 	 	 	000000000000	 	 	29,183.33	 	17,291.67	 
	23	 	 	 	000000000000	 	 	20,727.73	 	6,602.68	 
	24	 	 	 	000000000000	 	 	17,693.51	5,782.45	0.00	0.00
	25	 	 	 	000000000000	 	 	14,166.66	0.00	0.00	0.00
	26	 	 	 	000000000000	 	 	28,300.00	0.00	0.00	0.00
	27	 	 	 	000000000000	 	 	23,844.41	 	0.00	 
	28	 	 	 	000000000000	 	 	9,476.00	16,768.44	0.00	-55.00
	29	 	 	 	000000000000	 	 	27,638.18	0.00	0.00	0.00
	30	 	 	 	000000000000	 	 	20,000.00	0.00	0.00	0.00
	31	 	 	 	000000000000	 	 	27,083.00	0.00	2,276.00	0.00
	32	 	 	 	000000000000	 	 	11,780.00	10,416.67	0.00	0.00
	33	 	 	 	000000000000	 	 	22,100.00	0.00	0.00	0.00
	34	 	 	 	000000000000	 	 	0.00	0.00	13,244.37	1,038.00
	35	 	 	 	000000000000	 	 	35,952.63	 	386.84	 
	36	 	 	 	000000000000	 	 	20,833.34	0.00	0.00	0.00
	37	 	 	 	000000000000	 	 	0.00	0.00	16,709.90	675.00
	38	 	 	 	000000000000	 	 	18,778.00	0.00	0.00	0.00
	39	 	 	 	000000000000	 	 	10,833.36	0.00	0.00	0.00
	40	 	 	 	000000000000	 	 	9,843.76	 	9,834.00	 
	41	 	 	 	000000000000	 	 	18,483.32	0.00	0.00	0.00
	42	 	 	 	000000000000	 	 	11,609.87	 	0.00	 
	43	 	 	 	000000000000	 	 	23,370.68	 	0.00	 
	44	 	 	 	000000000000	 	 	13,333.32	0.00	0.00	0.00
	45	 	 	 	000000000000	 	 	38,110.03	0.00	0.00	0.00
	46	 	 	 	000000000000	 	 	22,251.67	0.00	6,783.67	0.00
	47	 	 	 	000000000000	 	 	23,415.00	 	0.00	 
	48	 	 	 	000000000000	 	 	5,008.33	2,166.67	-54.08	0.00
	49	 	 	 	000000000000	 	 	5,047.00	45,422.00	598.00	0.00
	50	 	 	 	000000000000	 	 	51,236.00	16,666.66	0.00	-2,107.34

 

	KEY	All Borrower Wage
 Income	All Borrower Total
 Income	4506-T Indicator	Borrower Income
 Verification Level	Co-Borrower
 Income Verification	Borrower
 Employment
 Verification	Co-Borrower
 Employment
 Verification	Borrower Asset
 Verification	Co-Borrower Asset
 Verification	Liquid / Cash
 Reserves	Monthly Debt All
 Borrowers	Originator DTI
	1	12,666.68	17,631.43	0	5	 	3	 	4	 	343,008.19	7,386.48	0.4189
	2	22,916.67	26,828.42	0	5	 	3	 	4	 	351,867.85	8,288.13	0.3089
	3	25,000.00	58,680.56	0	5	 	3	 	4	 	546,525.92	18,606.73	0.3171
	4	15,386.80	15,386.80	0	5	 	3	 	4	 	626,528.53	5,426.79	0.3527
	5	25,888.01	25,888.01	0	5	 	3	 	4	 	480,303.92	4,450.15	0.1719
	6	21,666.66	21,666.66	0	5	 	3	 	4	 	653,138.96	7,166.27	0.3308
	7	73,694.62	73,694.62	0	5	 	3	 	4	 	1,472,025.99	8,072.07	0.1095
	8	25,000.00	25,000.00	0	5	 	3	 	4	 	199,757.89	9,172.50	0.3669
	9	35,887.75	22,721.83	1	5	 	3	 	4	 	142,776.38	7,918.83	0.3485
	10	34,705.08	34,357.08	1	5	 	3	 	4	 	233,954.54	6,308.23	0.1836
	11	42,743.42	42,743.42	0	4	 	3	 	4	 	261,492.52	7,971.65	0.1865
	12	14,083.00	14,083.00	1	5	 	3	 	4	 	152,682.32	5,844.45	0.4150
	13	14,000.00	14,000.00	0	5	 	3	 	4	 	418,245.58	5,203.80	0.3717
	14	28,424.95	36,209.67	0	5	 	3	 	4	 	104,295.32	11,601.58	0.3204
	15	39,312.50	39,312.50	0	5	 	3	 	4	 	309,365.07	9,348.51	0.2378
	16	23,543.00	25,035.92	0	4	 	3	 	4	 	212,343.90	6,016.13	0.2403
	17	23,202.00	25,103.00	0	5	 	3	 	4	 	465,299.35	8,893.99	0.3543
	18	0.00	17,767.80	0	5	 	3	 	4	 	1,477,215.64	5,586.20	0.3144
	19	26,257.01	26,257.01	0	5	 	3	 	4	 	105,627.99	7,661.80	0.2918
	20	52,715.00	52,715.00	0	4	 	3	 	4	 	314,745.94	12,134.99	0.2302
	21	25,000.00	40,384.33	1	5	 	3	 	4	 	130,245.13	14,663.55	0.3631
	22	29,183.33	46,475.00	1	5	 	3	 	4	 	713,368.42	17,832.46	0.3837
	23	20,727.73	27,330.41	0	4	 	3	 	4	 	5,203,761.44	11,517.03	0.4214
	24	23,475.96	23,475.96	0	5	 	3	 	4	 	291,189.81	5,249.22	0.2236
	25	14,166.66	14,166.66	0	5	 	3	 	4	 	113,867.33	3,322.08	0.2345
	26	28,300.00	28,300.00	0	5	 	3	 	4	 	316,954.15	6,022.24	0.2128
	27	23,844.41	23,844.41	0	5	 	3	 	4	 	145,991.87	6,490.45	0.2722
	28	26,244.44	26,189.44	0	5	 	3	 	4	 	445,205.22	7,982.54	0.3048
	29	27,638.18	27,638.18	1	5	 	3	 	4	 	242,662.24	3,435.43	0.1243
	30	20,000.00	20,000.00	0	5	 	3	 	4	 	61,212.58	5,736.00	0.2868
	31	27,083.00	29,359.00	1	5	 	3	 	4	 	327,703.10	11,960.86	0.4074
	32	22,196.67	22,196.67	0	5	 	3	 	4	 	313,563.66	6,896.51	0.3107
	33	22,100.00	22,100.00	0	5	 	3	 	4	 	98,124.65	5,951.53	0.2693
	34	0.00	14,282.37	0	5	 	3	 	4	 	1,048,267.38	4,760.31	0.3333
	35	35,952.63	36,339.47	0	5	 	3	 	4	 	187,027.78	11,010.86	0.3030
	36	20,833.34	20,833.34	0	5	 	3	 	4	 	87,023.91	6,239.59	0.2995
	37	0.00	17,384.90	0	5	 	3	 	4	 	781,053.21	4,580.92	0.2635
	38	18,778.00	18,778.00	0	5	 	3	 	4	 	154,292.72	6,579.81	0.3504
	39	10,833.36	10,833.36	1	5	 	3	 	4	 	50,190.11	3,836.09	0.3541
	40	9,843.76	19,677.76	0	5	 	3	 	4	 	59,120.67	7,044.64	0.3580
	41	18,483.32	18,483.32	0	5	 	3	 	4	 	57,033.09	6,628.12	0.3586
	42	11,609.87	11,609.87	0	5	 	3	 	4	 	31,204.14	4,124.99	0.3553
	43	23,370.68	23,370.68	0	5	 	3	 	4	 	1,324,198.47	5,653.37	0.2419
	44	13,333.32	13,333.32	0	5	 	3	 	4	 	1,846,519.46	5,283.99	0.3963
	45	38,110.03	38,110.03	0	5	 	3	 	4	 	54,561.37	6,417.73	0.1684
	46	22,251.67	29,035.34	0	5	 	3	 	4	 	178,863.05	7,630.49	0.2628
	47	23,415.00	23,415.00	0	4	 	3	 	4	 	423,906.89	7,499.82	0.3203
	48	7,175.00	7,120.92	1	5	 	3	 	4	 	17,085.69	2,896.79	0.4068
	49	50,469.00	51,067.00	1	5	 	3	 	4	 	198,302.83	8,742.67	0.1712
	50	67,902.66	65,795.32	1	5	 	3	 	4	 	242,907.55	11,000.98	0.1672

 

	KEY	Fully Indexed Rate	Qualification
 Method	Percentage of Down
 Payment from
 Borrower Own
 Funds	City	State	Postal Code	Property Type	Occupancy	Sales Price	Original Appraised
 Property Value	Original Property
 Valuation Type	Original Property
 Valuation Date
	1	 	 	100.00	FRISCO	TX	75034	7	1	761,500.00	890,000.00	3	20111026
	2	 	 	 	DENVER	CO	80206	1	1	 	1,780,000.00	3	20111005
	3	 	 	 	NEW YORK	NY	10023	2	1	 	2,335,000.00	3	20110825
	4	 	 	100.00	SAN DIEGO	CA	92130	7	1	1,080,000.00	1,080,000.00	3	20111003
	5	 	 	 	LEAWOOD	KS	66224	7	1	 	630,000.00	3	20111012
	6	 	 	100.00	SAINT LOUIS	MO	63108	4	1	775,000.00	775,000.00	3	20111006
	7	 	 	100.00	SCOTTSDALE	AZ	85255	7	2	1,378,400.00	1,400,000.00	3	20111006
	8	 	 	100.00	GREENWOOD VILLAGE	CO	80121	7	1	1,300,000.00	1,330,000.00	3	20110928
	9	 	 	 	LOS GATOS	CA	95032	1	1	 	1,660,000.00	3	20110924
	10	 	 	100.00	LOOKOUT MOUNTAIN	TN	37350	1	1	1,192,500.00	1,200,000.00	3	20110815
	11	 	 	100.00	CHATHAM TWP	NJ	07928	1	1	1,265,000.00	1,265,000.00	3	20111109
	12	 	 	100.00	MACON	GA	31220	1	1	799,500.00	850,000.00	3	20111123
	13	 	 	100.00	SCOTTSDALE	AZ	85260	7	1	750,000.00	750,000.00	3	20111215
	14	 	 	 	MANHATTAN BEACH	CA	90266	1	1	 	1,900,000.00	3	20110816
	15	 	 	 	DALLAS	TX	75220	1	1	 	1,350,000.00	3	20110902
	16	 	 	 	WILMINGTON	NC	28409	1	1	 	2,000,000.00	3	20110916
	17	 	 	 	PORTLAND	OR	97201	1	1	 	1,825,000.00	3	20110929
	18	 	 	 	SOMIS	CA	93066	7	1	 	1,100,000.00	3	20111007
	19	 	 	100.00	MILFORD	MI	48380	7	1	729,000.00	730,000.00	3	20111017
	20	 	 	 	FRIDAY HARBOR	WA	98250	1	2	 	1,275,000.00	3	20111027
	21	 	 	100.00	BERKELEY HEIGHTS	NJ	07922	1	1	1,100,000.00	1,100,000.00	3	20111027
	22	 	 	100.00	RANCHO PALOS VERDES	CA	90275	7	2	3,850,000.00	3,850,000.00	3	20111103
	23	 	 	100.00	LA QUINTA	CA	92253	7	2	1,100,000.00	1,100,000.00	3	20111108
	24	 	 	100.00	HOUSTON	TX	77009	1	1	780,000.00	790,000.00	3	20111109
	25	 	 	100.00	BRENTWOOD	TN	37027	1	1	775,000.00	790,000.00	3	20111111
	26	 	 	100.00	HOUSTON	TX	77024	1	1	1,117,380.00	1,153,000.00	3	20111115
	27	 	 	 	DENVER	CO	80210	1	1	 	1,100,000.00	3	20111123
	28	 	 	100.00	VACAVILLE	CA	95688	1	1	625,000.00	630,000.00	3	20111205
	29	 	 	100.00	KATY	TX	77494	7	1	745,213.00	755,000.00	3	20111209
	30	 	 	 	OGDEN	UT	84414	1	1	 	900,000.00	3	20110831
	31	 	 	100.00	LOS ANGELES	CA	90034	1	1	1,550,000.00	1,600,000.00	3	20111123
	32	 	 	 	VIENNA	VA	22181	1	1	 	1,242,000.00	3	20110823
	33	 	 	 	NAPERVILLE	IL	60563	1	1	 	855,000.00	3	20111006
	34	 	 	 	WALLOON LAKE	MI	49796	1	1	 	1,260,000.00	3	20111017
	35	 	 	 	ANAHEIM	CA	92808	1	1	 	1,395,000.00	3	20110915
	36	 	 	 	DARIEN	CT	06820	1	1	 	950,000.00	3	20111011
	37	 	 	 	ONAWAY	MI	49765	1	1	 	1,150,000.00	3	20111005
	38	 	 	 	PALOS VERDES ESTATES	CA	90274	1	1	 	1,410,000.00	3	20111028
	39	 	 	100.00	LITTLE ELM	TX	75068	7	1	570,000.00	600,000.00	3	20111020
	40	 	 	 	MANHATTAN BEACH	CA	90266	3	1	 	1,650,000.00	3	20111022
	41	 	 	 	WESTWOOD	MA	02090	1	1	 	1,200,000.00	3	20111110
	42	 	 	 	SAN DIEGO	CA	92130	1	1	 	1,075,000.00	3	20111110
	43	 	 	 	SAN MATEO	CA	94402	1	1	 	1,480,000.00	3	20111205
	44	 	 	 	HANSVILLE	WA	98340	1	2	 	730,000.00	3	20111228
	45	 	 	100.00	MASON	OH	45040	7	1	885,000.00	885,000.00	3	20111219
	46	 	 	100.00	CAMAS	WA	98607	7	1	800,000.00	800,000.00	3	20120112
	47	 	 	 	PARK CITY	UT	84098	7	1	 	1,500,000.00	3	20111206
	48	 	 	 	VALLEYFORD	WA	99036	1	1	 	561,000.00	3	20111017
	49	 	 	100.00	TUCSON	AZ	85750	7	1	1,175,000.00	1,175,000.00	3	20111031
	50	 	 	100.00	SAN ANTONIO	TX	78258	7	1	1,739,000.00	1,835,000.00	3	20111220

 

	KEY	Original Automated
 Valuation Model
 (AVM) Model Name	Original AVM
 Confidence Score	Most Recent
 Property Value2	Most Recent
 Property Valuation
 Type	Most Recent
 Property Valuation
 Date	Most Recent AVM
 Model Name	Most Recent AVM
 Confidence Score	Original CLTV	Original LTV	Original Pledged
 Assets	Mortgage Insurance
 Company Name	Mortgage Insurance
 Percent
	1	 	 	 	 	 	 	 	0.8000	0.8000	0	0	0
	2	 	 	 	 	 	 	 	0.4726	0.4726	0	0	0
	3	 	 	 	 	 	 	 	0.5681	0.5681	0	0	0
	4	 	 	 	 	 	 	 	0.7500	0.7500	0	0	0
	5	 	 	 	 	 	 	 	0.7492	0.7492	0	0	0
	6	 	 	 	 	 	 	 	0.8000	0.8000	0	0	0
	7	 	 	 	 	 	 	 	0.7255	0.7255	0	0	0
	8	 	 	 	 	 	 	 	0.7692	0.7692	0	0	0
	9	 	 	 	 	 	 	 	0.6506	0.6506	0	0	0
	10	 	 	 	 	 	 	 	0.6709	0.6709	0	0	0
	11	 	 	 	 	 	 	 	0.7904	0.7904	0	0	0
	12	 	 	 	 	 	 	 	0.8000	0.8000	0	0	0
	13	 	 	 	 	 	 	 	0.7500	0.7500	0	0	0
	14	 	 	 	 	 	 	 	0.7097	0.5255	0	0	0
	15	 	 	 	 	 	 	 	0.6960	0.6960	0	0	0
	16	 	 	 	 	 	 	 	0.5074	0.3041	0	0	0
	17	 	 	 	 	 	 	 	0.7492	0.7492	0	0	0
	18	 	 	 	 	 	 	 	0.7000	0.7000	0	0	0
	19	 	 	 	 	 	 	 	0.8000	0.8000	0	0	0
	20	 	 	 	 	 	 	 	0.7000	0.7000	0	0	0
	21	 	 	 	 	 	 	 	0.7500	0.7500	0	0	0
	22	 	 	 	 	 	 	 	0.5195	0.5195	0	0	0
	23	 	 	 	 	 	 	 	0.5455	0.5455	0	0	0
	24	 	 	 	 	 	 	 	0.7436	0.7436	0	0	0
	25	 	 	 	 	 	 	 	0.7000	0.7000	0	0	0
	26	 	 	 	 	 	 	 	0.7500	0.7500	0	0	0
	27	 	 	 	 	 	 	 	0.6498	0.5111	0	0	0
	28	 	 	 	 	 	 	 	0.7000	0.7000	0	0	0
	29	 	 	 	 	 	 	 	0.6978	0.6978	0	0	0
	30	 	 	 	 	 	 	 	0.7667	0.7033	0	0	0
	31	 	 	 	 	 	 	 	0.8000	0.8000	0	0	0
	32	 	 	 	 	 	 	 	0.8000	0.7212	0	0	0
	33	 	 	 	 	 	 	 	0.6368	0.6368	0	0	0
	34	 	 	 	 	 	 	 	0.5959	0.4173	0	0	0
	35	 	 	 	 	 	 	 	0.7409	0.6584	0	0	0
	36	 	 	 	 	 	 	 	0.7222	0.7222	0	0	0
	37	 	 	 	 	 	 	 	0.8000	0.5044	0	0	0
	38	 	 	 	 	 	 	 	0.7092	0.7092	0	0	0
	39	 	 	 	 	 	 	 	0.8000	0.8000	0	0	0
	40	 	 	 	 	 	 	 	0.5870	0.5870	0	0	0
	41	 	 	 	 	 	 	 	0.6200	0.6200	0	0	0
	42	 	 	 	 	 	 	 	0.5902	0.5902	0	0	0
	43	 	 	 	 	 	 	 	0.5436	0.5436	0	0	0
	44	 	 	 	 	 	 	 	0.6507	0.6507	0	0	0
	45	 	 	 	 	 	 	 	0.8000	0.8000	0	0	0
	46	 	 	 	 	 	 	 	0.8000	0.8000	0	0	0
	47	 	 	 	 	 	 	 	0.5695	0.5695	0	0	0
	48	 	 	 	 	 	 	 	0.6232	0.6232	0	0	0
	49	 	 	 	 	 	 	 	0.8000	0.8000	0	0	0
	50	 	 	 	 	 	 	 	0.7500	0.7500	0	0	0

 

	KEY	MI: Lender or
 Borrower Paid?	Pool Insurance Co.
 Name	Pool Insurance Stop
 Loss %	MI Certificate
 Number	Updated DTI
 (Front-end)	Updated DTI
 (Back-end)	Modification
 Effective Payment
 Date	Total Capitalized
 Amount	Total Deferred
 Amount	Pre-Modification
 Interest (Note) Rate	Pre-Modification P&I
 Payment	Pre-Modification
 Initial Interest Rate
 Change Downward
 Cap
	1	 	 	 	 	 	 	 	 	 	 	 	 
	2	 	 	 	 	 	 	 	 	 	 	 	 
	3	 	 	 	 	 	 	 	 	 	 	 	 
	4	 	 	 	 	 	 	 	 	 	 	 	 
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	11	 	 	 	 	 	 	 	 	 	 	 	 
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	14	 	 	 	 	 	 	 	 	 	 	 	 
	15	 	 	 	 	 	 	 	 	 	 	 	 
	16	 	 	 	 	 	 	 	 	 	 	 	 
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	18	 	 	 	 	 	 	 	 	 	 	 	 
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	27	 	 	 	 	 	 	 	 	 	 	 	 
	28	 	 	 	 	 	 	 	 	 	 	 	 
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	30	 	 	 	 	 	 	 	 	 	 	 	 
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	48	 	 	 	 	 	 	 	 	 	 	 	 
	49	 	 	 	 	 	 	 	 	 	 	 	 
	50	 	 	 	 	 	 	 	 	 	 	 	 

 

	KEY	Pre-Modification
 Subsequent Interest
 Rate Cap	Pre-Modification
 Next Interest Rate
 Change Date	Pre-Modification I/O
 Term	Forgiven Principal
 Amount	Forgiven Interest
 Amount
	1	 	 	 	 	 
	2	 	 	 	 	 
	3	 	 	 	 	 
	4	 	 	 	 	 
	5	 	 	 	 	 
	6	 	 	 	 	 
	7	 	 	 	 	 
	8	 	 	 	 	 
	9	 	 	 	 	 
	10	 	 	 	 	 
	11	 	 	 	 	 
	12	 	 	 	 	 
	13	 	 	 	 	 
	14	 	 	 	 	 
	15	 	 	 	 	 
	16	 	 	 	 	 
	17	 	 	 	 	 
	18	 	 	 	 	 
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	20	 	 	 	 	 
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	22	 	 	 	 	 
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	27	 	 	 	 	 
	28	 	 	 	 	 
	29	 	 	 	 	 
	30	 	 	 	 	 
	31	 	 	 	 	 
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	34	 	 	 	 	 
	35	 	 	 	 	 
	36	 	 	 	 	 
	37	 	 	 	 	 
	38	 	 	 	 	 
	39	 	 	 	 	 
	40	 	 	 	 	 
	41	 	 	 	 	 
	42	 	 	 	 	 
	43	 	 	 	 	 
	44	 	 	 	 	 
	45	 	 	 	 	 
	46	 	 	 	 	 
	47	 	 	 	 	 
	48	 	 	 	 	 
	49	 	 	 	 	 
	50	 	 	 	 	 

 

	KEY	Number of
 Modifications	Cash To/From Brrw at Closing	Brrw - Yrs at in Industry	CoBrrw - Yrs at in Industry	Junior Mortgage Drawn Amount	Maturity Date	Primary Borrower Wage Income (Salary)	Primary Borrower Wage Income (Bonus)	Primary Borrower Wage Income (Commission)
	1	 	 	18.32	 	0.00	20411201	12,667.00	4,965.00	0.00
	2	 	 	17.00	 	0.00	20411201	22,917.00	0.00	0.00
	3	 	 	5.20	 	0.00	20411201	25,000.00	33,681.00	0.00
	4	 	 	10.00	 	0.00	20411201	15,387.00	0.00	0.00
	5	 	 	3.80	3.80	0.00	20411201	12,303.20	0.00	0.00
	6	 	 	11.84	 	0.00	20411201	21,666.66	0.00	0.00
	7	 	 	0.00	2.50	0.00	20411201	0.00	0.00	0.00
	8	 	 	25.00	 	0.00	20411201	25,000.00	0.00	0.00
	9	 	 	20.00	 	0.00	20411201	35,887.75	0.00	0.00
	10	 	 	20.00	 	0.00	20411001	34,705.08	0.00	0.00
	11	 	 	24.09	0.00	0.00	20420101	42,743.42	0.00	0.00
	12	 	 	3.00	 	0.00	20420101	14,083.00	0.00	0.00
	13	 	 	16.00	31.00	0.00	20420201	14,000.00	0.00	0.00
	14	 	 	15.00	16.00	350,000.00	20411201	17,174.95	4,347.22	0.00
	15	 	 	36.00	 	0.00	20411201	39,312.50	0.00	0.00
	16	 	 	20.00	 	406,500.00	20411201	23,543.00	0.00	0.00
	17	 	 	16.00	10.00	0.00	20411201	19,035.00	0.00	0.00
	18	 	 	0.00	0.00	0.00	20411201	0.00	0.00	0.00
	19	 	 	10.00	7.40	0.00	20420101	20,733.09	0.00	0.00
	20	 	 	3.00	3.00	0.00	20420101	24,256.00	0.00	0.00
	21	 	 	7.60	0.00	0.00	20411201	25,000.00	15,833.33	0.00
	22	 	 	5.60	 	0.00	20411201	29,183.33	17,291.67	0.00
	23	 	 	3.92	 	0.00	20420101	20,727.73	3,759.92	0.00
	24	 	 	15.50	5.27	0.00	20420101	17,693.51	0.00	0.00
	25	 	 	13.92	0.00	0.00	20411201	14,166.66	0.00	0.00
	26	 	 	8.00	0.00	0.00	20420101	28,300.00	0.00	0.00
	27	 	 	18.00	 	152,500.00	20420101	23,844.41	0.00	0.00
	28	 	 	13.00	10.50	0.00	20420101	9,476.00	0.00	0.00
	29	 	 	11.00	0.00	0.00	20420101	27,638.18	0.00	0.00
	30	 	 	20.00	 	57,000.00	20420101	20,000.00	0.00	0.00
	31	 	 	23.00	 	0.00	20420101	27,083.00	0.00	0.00
	32	 	 	14.00	12.00	97,916.82	20420101	11,780.00	0.00	0.00
	33	 	 	25.00	 	0.00	20420201	22,100.00	0.00	0.00
	34	 	 	1.00	 	225,000.00	20420201	0.00	0.00	0.00
	35	 	 	32.01	 	115,000.00	20420101	35,952.63	0.00	0.00
	36	 	 	7.00	 	0.00	20411201	20,833.34	0.00	0.00
	37	 	 	1.00	 	340,000.00	20420101	0.00	0.00	0.00
	38	 	 	3.75	 	0.00	20420201	18,778.00	0.00	0.00
	39	 	 	0.92	 	0.00	20420101	10,833.36	0.00	0.00
	40	 	 	7.75	 	0.00	20420101	9,843.76	0.00	9,834.00
	41	 	 	15.37	 	0.00	20420201	18,483.32	0.00	0.00
	42	 	 	2.00	 	0.00	20420101	11,609.87	0.00	0.00
	43	 	 	5.38	 	0.00	20420201	23,370.68	0.00	0.00
	44	 	 	35.00	 	0.00	20420301	13,333.32	0.00	0.00
	45	 	 	9.52	 	0.00	20420201	38,110.03	0.00	0.00
	46	 	 	27.00	 	0.00	20420201	22,251.67	6,783.67	0.00
	47	 	 	20.00	 	0.00	20420301	23,415.00	0.00	0.00
	48	 	 	12.00	6.00	0.00	20420201	5,008.33	0.00	0.00
	49	 	 	11.92	18.00	0.00	20420101	5,047.00	0.00	0.00
	50	 	 	10.03	10.00	0.00	20420301	51,236.00	0.00	0.00

 

	KEY	Co-Borrower Wage Income (Salary)	Co-Borrower Wage Income (Bonus)	Co-Borrower Wage Income (Commission)	Originator Doc Code	RWT Income Verification	RWT Asset Verification
	1	0.00	0.00	0.00	Full	2 years	2 Months
	2	 	 	 	Full	2 years	2 Months
	3	 	 	 	Full	2 years	2 Months
	4	0.00	0.00	0.00	Full	2 years	2 Months
	5	13,584.81	0.00	0.00	Full	2 years	2 Months
	6	 	 	 	Full	2 years	2 Months
	7	73,694.62	0.00	0.00	Full	2 years	2 Months
	8	0.00	0.00	0.00	Full	2 years	2 Months
	9	0.00	0.00	0.00	Full	2 years	2 Months
	10	0.00	0.00	0.00	Full	2 years	2 Months
	11	0.00	0.00	0.00	Full	2 years	2 Months
	12	 	 	 	Full	2 years	2 Months
	13	0.00	0.00	0.00	Full	2 years	2 Months
	14	11,250.00	3,437.50	0.00	Full	2 years	2 Months
	15	 	 	 	Full	2 years	2 Months
	16	 	 	 	Full	2 years	2 Months
	17	4,167.00	0.00	0.00	Full	2 years	2 Months
	18	0.00	0.00	0.00	Full	2 years	2 Months
	19	5,523.92	0.00	0.00	Full	2 years	2 Months
	20	28,459.00	0.00	0.00	Full	2 years	2 Months
	21	0.00	0.00	0.00	Full	2 years	2 Months
	22	 	 	 	Full	2 years	2 Months
	23	 	 	 	Full	2 years	2 Months
	24	5,782.45	0.00	0.00	Full	2 years	2 Months
	25	0.00	0.00	0.00	Full	2 years	2 Months
	26	0.00	0.00	0.00	Full	2 years	2 Months
	27	 	 	 	Full	2 years	2 Months
	28	16,768.44	0.00	0.00	Full	2 years	2 Months
	29	0.00	0.00	0.00	Full	2 years	2 Months
	30	0.00	0.00	0.00	Full	2 years	2 Months
	31	0.00	0.00	0.00	Full	2 years	2 Months
	32	10,416.67	0.00	0.00	Full	2 years	2 Months
	33	0.00	0.00	0.00	Full	2 years	2 Months
	34	0.00	0.00	0.00	Full	2 years	2 Months
	35	 	 	 	Full	2 years	2 Months
	36	0.00	0.00	0.00	Full	2 years	2 Months
	37	0.00	0.00	0.00	Full	2 years	2 Months
	38	0.00	0.00	0.00	Full	2 years	2 Months
	39	0.00	0.00	0.00	Full	2 years	2 Months
	40	 	 	 	Full	2 years	2 Months
	41	0.00	0.00	0.00	Full	2 years	2 Months
	42	 	 	 	Full	2 years	2 Months
	43	 	 	 	Full	2 years	2 Months
	44	0.00	0.00	0.00	Full	2 years	2 Months
	45	0.00	0.00	0.00	Full	2 years	2 Months
	46	0.00	0.00	0.00	Full	2 years	2 Months
	47	 	 	 	Full	2 years	2 Months
	48	2,166.67	0.00	0.00	Full	2 years	2 Months
	49	45,422.00	0.00	0.00	Full	2 years	2 Months
	50	16,666.66	0.00	0.00	Full	2 years	2 Months

 

    	 

    	 

    
 

ASF RMBS DISCLOSURE PACKAGE

	
Field

Number

	
Field Name

	
Field Description

	
Type of

Field

	
Data Type

	
Sample Data

	
Format

	
When

Applicable?

	
Valid Values

	
Proposed

Unique

Coding

	
Notes

	
1

	
Primary Servicer

	
The MERS Organization ID of the company that has or will have the right to service the loan.

	
General Information

	
Numeric – Integer

	
2351805

	
9(7)

	
Always

	
”9999999” if Unknown

	  	  
	
2

	
Servicing Fee—Percentage

	
Aggregate monthly fee paid to all servicers, stated in decimal form.

	
General Information

	
Numeric - Decimal

	
0.0025

	
9.999999

	
Loans without flat-dollar servicing fees

	
>= 0 and < 1

	  	
Must be populated if Field 3 is Null

	
3

	
Servicing Fee—Flat-dollar

	
Aggregate monthly fee paid to all servicers, stated as a dollar amount.

	
General Information

	
Numeric – Decimal

	
7.5

	
9(3).99

	
Loans with flat-dollar servicing fees

	
>= 0 and

<= 999

	  	
Must be populated if 2 is Null

	
4

	
Servicing Advance Methodology

	
The manner in which principal and/or interest are to be advanced by the servicer.

	
General Information

	
Numeric – Integer

	
2

	
99

	
Always

	
See Coding

	
1 = Scheduled Interest, Scheduled Principal

2 = Actual Interest, Actual Principal

3 = Scheduled Interest, Actual Principal

99 = Unknown

	  
	
5

	
Originator

	
The MERS Organization ID of the entity that lends funds to the borrower and, in return, places a lien on the mortgage property as collateral.

	
General Information

	
Numeric – Integer

	
5938671

	
9(7)

	
Always

	
”9999999” if Unknown

	  	  
	
6

	
Loan Group

	
Indicates the collateral group number in which the loan falls (for structures with multiple collateral groups). Use “1” if there is only one loan group.

	
General Information

	
Text

	
1A

	
XXXX

	
Always

	
“UNK” if Unknown

	  	  
	
7

	
Loan Number

	
Unique National Mortgage Loan ID Number (Vendor TBD).

	
General Information

	
Numeric – Integer

	
TBD

	
TBD

	
Always

	
TBD

	  	
Details to be provided by Vendor

	
8

	
Amortization Type

	
Indicates whether the loan’s interest rate is fixed or adjustable (Hybrid ARMs are adjustable).

	
Loan Type

	
Numeric – Integer

	
2

	
99

	
Always

	
See Coding

	
1 = Fixed

2 = Adjustable

99 = Unknown

	  
	
9

	
Lien Position

	
A number indicating the loan’s lien position (1 = first lien, etc.).

	
Loan Type

	
Numeric – Integer

	
1

	
99

	
Always

	
>0

	
99 = Unknown

	  
	
10

	
HELOC Indicator

	
Indicates whether the loan is a home equity line of credit.

	
Loan Type

	
Numeric – Integer

	
1

	
99

	
Always

	
See Coding

	
0 = No

1 = Yes

99 = Unknown

	  
	
11

	
Loan Purpose

	
Indicates the purpose of the loan.

	
Loan Type

	
Numeric – Integer

	
9

	
99

	
Always

	
See Coding

	
See Appendix A

	  
	
12

	
Cash Out Amount

	
For “Cash-out” loans (see Glossary):

 

[NEW LOAN AMOUNT] – [PAID-OFF FIRST MORTGAGE LOAN AMOUNT] – [PAID-OFF SECOND MORTGAGE LOAN AMOUNT (if Second was used to purchase the property)] – [CLOSING COSTS].

	
Loan Type

	
Numeric – Decimal

	
72476.5

	
9(10).99

	
Always

	
>= 0

	  	  
	
13

	
Total Origination and Discount Points (in dollars)

	
Amount paid to the lender to increase the lender’s effective yield and, in the case of discount points, to reduce the interest rate paid by the borrower.

	
Loan Type

	
Numeric – Decimal

	
5250

	
9(10).99

	
Always

	
>= 0

	  	
Typically Lines 801 and 802 of HUD Settlement Statement

	
14

	
Covered/High Cost Loan Indicator

	
Indicates whether the loan is categorized as “high cost” or “covered” according to state or federal statutes or regulations.

	
Loan Type

	
Numeric – Integer

	
1

	
99

	
Always

	
See Coding

	
0 = No

1 = Yes

99 = Unknown

	  
	
15

	
Relocation Loan Indicator

	
Indicates whether the loan is part of a corporate relocation program.

	
Loan Type

	
Numeric – Integer

	
1

	
99

	
Always

	
See Coding

	
0 = No

1 = Yes

99 = Unknown

	  
	
16

	
Broker Indicator

	
Indicates whether a broker took the application.

	
Loan Type

	
Numeric – Integer

	
1

	
99

	
Always

	
See Coding

	
0 = No

1 = Yes

99 = Unknown

	  
	
17

	
Channel

	
Code indicating the source (channel) from which the Issuer obtained the mortgage loan.

	
Loan Type

	
Numeric – Integer

	
2

	
99

	
Always

	
See Coding

	
1 = Retail

2 = Broker

3 = Correspondent Bulk

4 = Correspondent Flow with delegated underwriting

5 = Correspondent Flow without delegated underwriting

99 = Unknown

	  
	
18

	
Escrow Indicator

	
Indicates whether various homeownership expenses are paid by the borrower directly or through an escrow account (as of securitization cut-off date).

	
Loan Type

	
Numeric – Integer

	
3

	
99

	
Always

	
See Coding

	
0 = No Escrows

1 = Taxes

2 = Insurance

3 = HOA dues

4 = Taxes and Insurance

5 = All

99 =Unknown

	  
	
19

	
Senior Loan Amount(s)

	
For non-first mortgages, the sum of the balances of all associated senior mortgages at the time of origination of the subordinate lien.

	
Mortgage Lien Info

	
Numeric – Decimal

	
611004.25

	
9(10).99

	
If Lien Position > 1

	
>= 0

	  	  
	
20

	
Loan Type of Most Senior Lien

	
For non-first mortgages, indicates whether the associated first mortgage is a Fixed, ARM, Hybrid, or negative amortization loan.

	
Mortgage Lien Info

	
Numeric – Integer

	
2

	
99

	
If Lien Position > 1

	
See Coding

	
1 = Fixed Rate

2 = ARM

3 = Hybrid

4 = Neg Am

99 = Unknown

	  
	
21

	
Hybrid Period of Most Senior Lien (in months)

	
For non-first mortgages where the associated first mortgage is a hybrid ARM, the number of months remaining in the initial fixed interest rate period for the hybrid first mortgage.

	
Mortgage Lien Info

	
Numeric – Integer

	
23

	
999

	
If Lien Position > 1

AND the most senior lien is a hybrid ARM (see Field 20)

	
>= 0

	  	  
	
22

	
Neg Am Limit of Most Senior Lien

	
For non-first mortgages where the associated first mortgage features negative amortization, the maximum percentage by which the negatively amortizing balance may increase (expressed as a proportion of the senior lien’s original balance).

	
Mortgage Lien Info

	
Numeric – Decimal

	
1.25

	
9.999999

	
If Lien Position > 1

AND the senior lien is Neg Am (see Field 20)

	
>= 1 and <= 2

	  	  
	
23

	
Junior Mortgage Balance

	
For first mortgages with subordinate liens at the time of origination, the combined balance of the subordinate liens (if known).

	
Mortgage Lien Info

	
Numeric – Decimal

	
51775.12

	
9(10).99

	
If Lien Position = 1 and there is a 2nd lien on the subject property

	
>= 0

	  	
Subject to Regulatory Confirmation

	
24

	
Origination Date of Most Senior Lien

	
For non-first mortgages, the origination date of the associated first mortgage.

	
Mortgage Lien Info

	
Date

	
20090914

	
YYYYMMDD

	
If Lien Position > 1 and there is a 2nd lien on the subject property

	
“19010101” if unknown

	  	  
	
25

	
Origination Date

	
The date of the Mortgage Note and Mortgage/Deed of Trust

	
Loan Term and Amortization Type

	
Date

	
20090914

	
YYYYMMDD

	
Always

	
“19010101” if unknown

	  	  
	
26

	
Original Loan Amount

	
The dollar amount of the mortgage loan, as specified on the mortgage note at the time of the loan’s origination. For HELOCs, the maximum available line of credit.

	
Loan Term and Amortization Type

	
Numeric – Decimal

	
150000

	
9(10).99

	
Always

	
>0

	  	  
	
27

	
Original Interest Rate

	
The original note rate as indicated on the mortgage note.

	
Loan Term and Amortization Type

	
Numeric – Decimal

	
0.0475

	
9.999999

	
Always

	
> 0 and <= 1

	  	  
	
28

	
Original Amortization Term

	
The number of months in which the loan would be retired if the amortizing principal and interest payment were to be paid each month.

	
Loan Term and Amortization Type

	
Numeric – Integer

	
360

	
999

	
Always

	
>= 60

	  	  
	
29

	
Original Term to Maturity

	
The initial number of months between loan origination and the loan maturity date, as specified on the mortgage note.

	
Loan Term and Amortization Type

	
Numeric – Integer

	
60

	
999

	
Always

	
>0

	
N/A

	  
	
30

	
First Payment Date of Loan

	
The date of the first scheduled mortgage payment to be made by the borrower as specified on the mortgage note.

	
Loan Term and Amortization Type

	
Date

	
20090914

	
YYYYMMDD

	
Always

	
“19010101” if unknown

	
N/A

	  
	
31

	
Interest Type Indicator

	
Indicates whether the interest rate calculation method is simple or actuarial.

	
Loan Term and Amortization Type

	
Numeric – Integer

	
2

	
99

	
Always

	
See Coding

	
1= Simple

2 = Actuarial

99 = Unknown

	  
	
32

	
Original Interest Only Term

	
Original interest-only term for a loan in months (including NegAm Loans).

	
Loan Term and Amortization Type

	
Numeric – Integer

	
60

	
999

	
Always

	
>= 0 and <= 240

Unknown = Blank;

No Interest Only Term = 0

	  	  
	
33

	
Buy Down Period

	
The total number of months during which any buy down is in effect, representing the accumulation of all buy down periods.

	
Loan Term and Amortization Type

	
Numeric – Integer

	
65

	
999

	
Always

	
>= 0 and <= 100

Unknown = Blank;

No Buy Down = 0

	  	  
	
34

	
HELOC Draw Period

	
The original number of months during which the borrower may draw funds against the HELOC account.

	
Loan Term and Amortization Type

	
Numeric – Integer

	
24

	
999

	
HELOCs Only

	
>= 12 and <= 120

	  	  
	
35

	
Scheduled Loan Amount

	
Mortgage loan scheduled principal balance as of cut-off date. For HELOCs, the current drawn amount.

	
Loan Term and Amortization Type

	
Numeric – Decimal

	
248951.19

	
9(10).99

	
Always

	
>= 0

	  	  
	
36

	
Current Interest Rate

	
The interest rate used to calculate the current P&I or I/O payment.

	
Loan Term and Amortization Type

	
Numeric – Decimal

	
0.05875

	
9.999999

	
Always

	
> 0 and <= 1

	  	  
	
37

	
Current Payment Amount Due

	
Next Total Payment due to be collected (including principal, interest or both—but Exclude Escrow Amounts).

	
Loan Term and Amortization Type

	
Numeric – Decimal

	
1250.15

	
9(10).99

	
Always

	
> 0

	  	  
	
38

	
Scheduled Interest Paid

Through Date

	  	
Loan Term and Amortization Type

	
Date

	
20090429

	
YYYYMMDD

	
Always

	
“19010101” if unknown

	  	  
	
39

	
Current Payment Status

	
Number of payments the borrower is past due as of the securitization cut-off date.

	
Loan Term and Amortization Type

	
Numeric – Integer

	
3

	
99

	
Always

	
>= 0

	  	  
	
40

	
Index Type

	
Specifies the type of index to be used to determine the interest rate at each adjustment.

	
Adjustable Rate Mortgages (ARMs)

	
Numeric – Integer

	
18

	
99

	
ARMs Only

	
See Coding

	
See Appendix B

	  
	
41

	
ARM Look-back Days

	
The number of days prior to the interest rate adjustment date to retrieve the index value.

	
Adjustable Rate Mortgages (ARMs)

	
Numeric – Integer

	
45

	
99

	
ARMs Only

	
>= 0 to <=99

	  	  
	
42

	
Gross Margin

	
The percentage stated on the mortgage note representing the spread between the ARM Index value and the mortgage interest rate. The gross mortgage margin is added to the index value to establish a new gross interest rate in the manner prescribed on the mortgage note.

	
Adjustable Rate Mortgages (ARMs)

	
Numeric – Decimal

	
0.03

	
9.999999

	
ARMs Only

	
>0 and <= 1

	  	  
	
43

	
ARM Round Flag

	
An indicator of whether an adjusted interest rate is rounded to the next higher ARM round factor, to the next lower round factor, or to the nearest round factor.

	
Adjustable Rate Mortgages (ARMs)

	
Numeric – Integer

	
3

	
9

	
ARMs Only

	
See Coding

	
0 = No Rounding

1 = Up

2 = Down

3 = Nearest

99=Unknown

	  
	
44

	
ARM Round Factor

	
The percentage to which an adjusted interest rate is to be rounded.

	
Adjustable Rate Mortgages (ARMs)

	
Numeric – Decimal

	
0.0025 or 0.00125

	
9.999999

	
ARMs Only

Where ARM Round Flag = 1, 2, or 3

	
>= 0 and < 1

	  	  
	
45

	
Initial Fixed Rate Period

	
For hybrid ARMs, the period between the first payment date of the mortgage and the first interest rate adjustment date.

	
Adjustable Rate Mortgages (ARMs)

	
Numeric – Integer

	
60

	
999

	
Hybrid ARMs Only

	
>= 1 to <=240

	  	  
	
46

	
Initial Interest Rate Cap (Change Up)

	
The maximum percentage by which the mortgage note rate may increase at the first interest rate adjustment date.

	
Adjustable Rate Mortgages (ARMs)

	
Numeric – Decimal

	
0.02

	
9.999999

	
ARMs Only

	
>= 0 and <= 1

	
99=no cap

	  
	
47

	
Initial Interest Rate  Cap (Change Down)

	
The maximum percentage by which the mortgage note rate may decrease at the first interest rate adjustment date.

	
Adjustable Rate Mortgages (ARMs)

	
Numeric – Decimal

	
0.02

	
9.999999

	
ARMs Only

	
>= 0 and <= 1

	
99=no cap

	  
	
48

	
Subsequent Interest Rate Reset Period

	
The number of months between subsequent rate adjustments.

	
Adjustable Rate Mortgages (ARMs)

	
Numeric – Integer

	
60

	
999

	
ARMs Only

	
>=0 and <= 120

	  	
0 = Loan does not adjust after initial reset

	
49

	
Subsequent Interest Rate (Change Down)

	
The maximum percentage by which the interest rate may decrease at each rate adjustment date after the initial adjustment.

	
Adjustable Rate Mortgages (ARMs)

	
Numeric – Decimal

	
0.02

	
9.999999

	
ARMs Only

	
>= 0 and <= 1

	
99=no cap

	  
	
50

	
Subsequent Interest Rate Cap (Change Up)

	
The maximum percentage by which the interest rate may increase at each rate adjustment date after the initial adjustment.

	
Adjustable Rate Mortgages (ARMs)

	
Numeric – Decimal

	
0.02

	
9.999999

	
ARMs Only

	
>= 0 and <= 1

	
99=no cap

	  
	
51

	
Lifetime Maximum Rate (Ceiling)

	
The maximum interest rate that can be in effect during the life of the loan.

	
Adjustable Rate Mortgages (ARMs)

	
Numeric – Decimal

	
0.125

	
9.999999

	
ARMs Only

	
>= 0 and <= 1

	  	
=1 if no ceiling specified

	 
	 
	
52

	
Lifetime Minimum Rate (Floor)

	
The minimum interest rate that can be in effect during the life of the loan.

	
Adjustable Rate Mortgages (ARMs)

	
Numeric – Decimal

	
0.015

	
9.999999

	
ARMs Only

	
>= 0 and <= 1

	  	
If no floor is specified enter the greater of the margin or 0.

	
53

	
Negative Amortization Limit

	
The maximum amount of negative amortization allowed before recast is required. (Expressed as a percentage of the original unpaid principal balance.)

	
Negative Amortization

	
Numeric – Decimal

	
1.25

	
9.999999

	
Negatively Amortizing ARMs Only

	
>=0, and <2

	  	  
	
54

	
Initial Negative Amortization Recast Period

	
The number of months in which the payment is required to recast if the loan does not reach the prescribed maximum balance earlier.

	
Negative Amortization

	
Numeric – Integer

	
60

	
999

	
Negatively Amortizing ARMs Only

	
>=0

	  	  
	
55

	
Subsequent Negative Amortization Recast Period

	
The number of months after which the payment is required to recast AFTER the first recast period.

	
Negative Amortization

	
Numeric – Integer

	
48

	
999

	
Negatively Amortizing ARMs Only

	
>=0

	  	  
	
56

	
Initial Fixed Payment Period

	
Number of months after origination during which the payment is fixed.

	
Negative Amortization

	
Numeric – Integer

	
60

	
999

	
Negatively Amortizing Hybrid ARMs Only

	
>= 0 to <=120

	  	  
	
57

	
Subsequent Payment Reset Period

	
Number of months between payment adjustments after first payment reset.

	
Negative Amortization

	
Numeric – Integer

	
12

	
999

	
Negatively Amortizing ARMs Only

	
>= 0 to <=120

	  	  
	
58

	
Initial Periodic Payment Cap

	
The maximum percentage by which a payment can change (increase or decrease) in the first period.

	
Negative Amortization

	
Numeric – Decimal

	
0.075

	
9.999999

	
Negatively Amortizing ARMs Only

	
>= 0 and < 1

	  	  
	
59

	
Subsequent Periodic Payment Cap

	
The maximum percentage by which a payment can change (increase or decrease) in one period after the initial cap.

	
Negative Amortization

	
Numeric – Decimal

	
0.075

	
9.999999

	
Negatively Amortizing ARMs Only

	
>= 0 and < 1

	  	  
	
60

	
Initial Minimum Payment Reset Period

	
The maximum number of months a borrower can initially pay the minimum payment before a new minimum payment is determined.

	
Negative Amortization

	
Numeric – Integer

	
12

	
999

	
Negatively Amortizing ARMs Only

	
>= 0 to <=120

	  	  
	
61

	
Subsequent Minimum Payment Reset Period

	
The maximum number of months (after the initial period) a borrower can pay the minimum payment before a new minimum payment is determined after the initial period.

	
Negative Amortization

	
Numeric – Integer

	
12

	
999

	
Negatively Amortizing ARMs Only

	
>= 0 to <=120

	  	  
	
62

	
Option ARM Indicator

	
An indicator of whether the loan is an Option ARM.

	
Negative Amortization

	
Numeric – Integer

	
1

	
99

	
ARMs Only

	
See Coding

	
0 = No

1 = Yes

99 = Unknown

	  
	
63

	
Options at Recast

	
The means of computing the lowest monthly payment available to the borrower after recast.

	
Option ARM

	
Numeric – Integer

	
2

	
99

	
Option ARMs Only

	
N/A

	
1= Fully amortizing 30 year

2= Fully amortizing 15 year

3=Fully amortizing 40 year

4 = Interest-Only

5 = Minimum Payment

99= Unknown

	  
	
64

	
Initial Minimum Payment

	
The initial minimum payment the borrower is permitted to make.

	
Option ARM

	
Numeric – Decimal

	
879.52

	
99

	
Option ARMs Only

	
>=0

	  	  
	
65

	
Current Minimum Payment

	
Current Minimum Payment (in dollars).

	
Negative Amortization

	
Numeric – Decimal

	
250

	
9(10).99

	
Option ARMs Only

	
>= 0

	  	  
	
66

	
Prepayment Penalty Calculation

	
A description of how the prepayment penalty would be calculated during each phase of the prepayment penalty term.

	
Prepayment Penalties

	
Numeric – Integer

	
12

	
99

	
Always

	
See Coding

	
See Appendix C

	  
	
67

	
Prepayment Penalty Type

	
• Hard: The prepayment penalty is incurred regardless of the reason the loan is prepaid in full.

• Hybrid: The prepayment penalty can be characterized as hard for a certain amount of time and as soft during another period.

 

	
Prepayment Penalties

	
Numeric – Integer

	
1

	
99

	
All loans with Prepayment Penalties (i.e., loans for which Field 66 = something other than “0”)

	
See Coding

	
1 = Hard

2 = Soft

3 = Hybrid

99 = Unknown

	  
	
68

	
Prepayment Penalty Total Term

	
The total number of months that the prepayment penalty may be in effect.

	
Prepayment Penalties

	
Numeric – Integer

	
60

	
999

	
All loans with Prepayment Penalties (i.e., loans for which Field 66 = something other than “0”)

	
>0 to <=120

	  	  
	
69

	
Prepayment Penalty Hard Term

	
For hybrid prepayment penalties, the number of months during which a “hard” prepayment penalty applies.

	
Prepayment Penalties

	
Numeric – Integer

	
12

	
999

	
Loans with Hybrid Prepayment Penalties (i.e., loans for which Field 67 = “3”)

	
>= 0 to <=120

	  	  
	
70

	
Primary Borrower ID

	
A lender-generated ID number for the primary borrower on the mortgage

	
Borrower

	
Numeric—Integer

	
123456789

	
999999999

	
Always

	
>0

	  	
Used to identify the number of times a single borrower appears in a given deal.

	
71

	
Number of Mortgaged Properties

	
The number of residential properties owned by the borrower that currently secure mortgage loans.

	
Borrower

	
Numeric – Integer

	
1

	
99

	
Always

	
> 0

	  	  
	
72

	
Total Number of Borrowers

	
The number of Borrowers who are obligated to repay the mortgage note.

	
Borrower

	
Numeric – Integers

	
2

	
99

	
Always

	
> 0

	  	  
	
73

	
Self-employment Flag

	
An indicator of whether the primary borrower is self-employed.

	
Borrower

	
Numeric – Integer

	
1

	
99

	
Always

	
See Coding

	
0 = No

1 = Yes

99 = Unknown

	  
	
74

	
Current ‘Other’ Monthly Payment

	
The aggregate of all payments pertaining to the subject property other than principal and interest (includes common charges, condo fees, T&I, HOA, etc.), whether escrowed or not.

	
Loan Term and Amortization Type

	
Numeric – Decimal

	
1789.25

	
9(10).99

	
Always

	
> 0

	  	  
	
75

	
Length of Employment: Borrower

	
The number of years of service with the borrower’s current employer as of the date of the loan.

	
Borrower Qualification

	
Numeric – Decimal

	
3.5

	
99.99

	
Always

	
>=0

	
99 = Retired, None employment income soure (social security, trust income, dividends, etc.)

	  
	
76

	
Length of Employment: Co-Borrower

	
The number of years of service with the co-borrower’s current employer as of the date of the loan.

	
Borrower Qualification

	
Numeric – Decimal

	
3.5

	
99.99

	
If “Total Number of Borrowers” > 1

	
>= 0

	
99 = Retired, None employment income soure (social security, trust income, dividends, etc.)

	  
	
77

	
Years in Home

	
Length of time that the borrower has been at current address.

	
Borrower Qualification

	
Numeric – Decimal

	
14.5

	
99.99

	
Refinances of Primary Residences Only (Loan Purpose = 1, 2, 3, 4, 8 or 9)

	
> 0

	  	  
	
78

	
FICO Model Used

	
Indicates whether the FICO score was calculated using the Classic, Classic 08, or Next Generation model.

	
Borrower Qualification

	
Numeric – Integer

	
1

	
99

	
If a FICO score was obtained

	
See Coding

	
1 = Classic

2 = Classic 08

3 = Next Generation

99 = Unknown

	  
	
79

	
Most Recent FICO Date

	
Specifies the date on which the most recent FICO score was obtained

	
Borrower Qualification

	
Date

	
20090914

	
YYYYMMDD

	
If a FICO score was obtained

	
“19010101” if unknown

	  	
Issuers unable to Provide may Rep and Warrant that the FICO score used for underwriting was not more than 4 months old at the date of issuance.

	
80

	
Primary Wage Earner Original FICO:  Equifax

	
Equifax FICO score for primary borrower (if applicable).

	
Borrower Qualification

	
Numeric – Integer

	
720

	
9999

	
If a FICO score was obtained

	
>= 350 and <= 850

	  	  
	
81

	
Primary Wage Earner Original FICO:  Experian

	
Experian FICO score for primary borrower (if applicable).

	
Borrower Qualification

	
Numeric – Integer

	
720

	
9999

	
If a FICO score was obtained

	
>= 350 and <= 850

	  	  
	
82

	
Primary Wage Earner Original FICO:  TransUnion

	
TransUnion FICO score for primary borrower (if applicable).

	
Borrower Qualification

	
Numeric – Integer

	
720

	
9999

	
If a FICO score was obtained

	
>= 350 and <= 850

	  	  
	
83

	
Secondary Wage Earner Original FICO:  Equifax

	
Equifax FICO score for Co-borrower (if applicable).

	
Borrower Qualification

	
Numeric – Integer

	
720

	
9999

	
If “Total Number of Borrowers” > 1

	
>= 350 and <= 850

	  	  
	
84

	
Secondary Wage Earner Original FICO:  Experian

	
Experian FICO score for Co-borrower (if applicable).

	
Borrower Qualification

	
Numeric – Integer

	
720

	
9999

	
If “Total Number of Borrowers” > 1

	
>= 350 and <= 850

	  	  
	
85

	
Secondary Wage Earner Original FICO: TransUnion

	
TransUnion FICO score for Co-borrower (if applicable).

	
Borrower Qualification

	
Numeric – Integer

	
720

	
9999

	
If “Total Number of Borrowers” > 1

	
>= 350 and <= 850

	  	  
	
86

	
Most Recent Primary Borrower FICO

	
Most Recent Primary Borrower FICO score used by the lender to approve the loan.

	
Borrower Qualification

	
Numeric – Integer

	
720

	
9999

	
If a FICO score was obtained

	
>= 350 and <= 850

	  	  
	
87

	
Most Recent Co-Borrower FICO

	
Most Recent Co-Borrower FICO score used by the lender to approve the loan.

	
Borrower Qualification

	
Numeric – Integer

	
720

	
9999

	
If “Total Number of Borrowers” > 1

	
>= 350 and <= 850

	  	  
	
88

	
Most Recent FICO Method

	
Number of credit repositories used to update the FICO Score.

	
Borrower Qualification

	
Numeric – Integer

	
2

	
9

	
If a FICO score was obtained

	
>0

	  	  
	
89

	
VantageScore: Primary Borrower

	
Credit Score for the Primary Borrower used to approve the loan and obtained using the Vantage credit evaluation model.

	
Borrower Qualification

	
Numeric – Integer

	
720

	
9999

	
If a Vantage Credit Score was obtained

	
>= 501 and <= 990

	  	  
	
90

	
VantageScore: Co-Borrower

	
Credit Score for the Co-borrower used to approve the loan and obtained using the Vantage credit evaluation model.

	
Borrower Qualification

	
Numeric – Integer

	
720

	
9999

	
If a VantageScore was obtained AND “Total Number of Borrowers” > 1

	
>= 501 and <= 990

	  	  
	
91

	
Most Recent VantageScore Method

	
Number of credit repositories used to update the Vantage Score.

	
Borrower Qualification

	
Numeric – Integer

	
2

	
9

	
If a Vantage Credit Score was obtained

	
>0

	  	  
	
92

	
VantageScore Date

	
Date Vantage Credit Score was obtained.

	
Borrower Qualification

	
Date

	
20090914

	
YYYYMMDD

	
If a Vantage Credit Score was obtained

	
“19010101” if unknown

	  	  
	
93

	
Credit Report: Longest Trade Line

	
The length of time in months that the oldest active trade line, installment or revolving, has been outstanding. For a loan with more than one borrower, populate field based on status for the primary borrower.

	
Borrower Qualification

	
Numeric – Integer

	
999

	
999

	
Always

	
> =0

	  	
Subject to Regulatory Confirmation

	
94

	
Credit Report: Maximum Trade Line

	
The dollar amount for the trade line, installment or revolving, with the largest unpaid balance. For revolving lines of credit, e.g. credit card, the dollar amount reported should reflect the maximum amount of credit available under the credit line whether used or not. For a loan with more than one borrower, populate field based on status for the primary borrower.

	
Borrower Qualification

	
Numeric – Decimal

	
339420.19

	
9(10).99

	
Always

	
>=0

	  	
Subject to Regulatory Confirmation

	
95

	
Credit Report: Number of Trade Lines

	
A count of non-derogatory, currently open and active, consumer trade lines (installment or revolving) for the borrower. For a loan with more than one borrower, populate field based on status for the primary borrower.

	
Borrower Qualification

	
Numeric – Integer

	
57

	
999

	
Always

	
>=0

	  	
Subject to Regulatory Confirmation

	
96

	
Credit Line Usage Ratio

	
Sum of credit balances divided by sum of total open credit available.

	
Borrower Qualification

	
Numeric – Decimal

	
0.27

	
9.999999

	
Always

	
>= 0 and <= 1

	  	
Subject to Regulatory Confirmation

	
97

	
Most Recent 12-month Pay History

	
String indicating the payment status per month listed from oldest to most recent.

	
Borrower Qualification

	
Text

	
77X123200001

	
X(12)

	
Always

	
See Coding

	
0 = Current

1 = 30-59 days delinquent

2 = 60-89 days delinquent

3 = 90-119 days delinquent

4 = 120+ days delinquent

5 = Foreclosure

6 = REO

7 = Loan did not exist in period

X = Unavailable

	  
	
98

	
Months Bankruptcy

	
Number of months since any borrower was discharged from bankruptcy. (Issuers unable to provide this information may rep and warrant that at least x years—as specified in the loan program—have passed since most recent discharge from bankruptcy.)

	
Borrower Qualification

	
Numeric – Integer

	
12

	
999

	
If Borrower has ever been in Bankruptcy

	
>= 0

	  	
Blank = Borrower is not known to have been in bankruptcy

	
99

	
Months Foreclosure

	
Number of months since foreclosure sale date. (Issuers unable to provide this information may rep and warrant that at least x years—as specified in the loan program— have passed since most recent foreclosure.)

	
Borrower Qualification

	
Numeric – Integer

	
12

	
999

	
If Borrower has ever been in Foreclosure

	
>= 0

	  	
Blank = Borrower is not known to have been in foreclosure

	
100

	
Primary Borrower Wage Income

	
Monthly base wage income for primary borrower.

	
Borrower Qualification

	
Numeric – Decimal

	
9000

	
9(9).99

	
Always

	
>= 0

	  	  
	
101

	
Co-Borrower Wage Income

	
Monthly base wage income for all other borrowers.

	
Borrower Qualification

	
Numeric – Decimal

	
9000

	
9(9).99

	
If “Total Number of Borrowers” > 1

	
>= 0

	  	  
	
102

	
Primary Borrower Other Income

	
Monthly Other (non-wage) income for primary borrower. (This figure should include net rental income and be reduced by any net rental loss.)

	
Borrower Qualification

	
Numeric – Decimal

	
9000

	
9(9).99

	
Always

	
>= 0

	  	  
	
103

	
Co-Borrower Other Income

	
Monthly Other (non-wage) income for all other borrowers. (This figure should include net rental income and be reduced by any net rental loss.)

	
Borrower Qualification

	
Numeric – Decimal

	
9000

	
9(9).99

	
If “Total Number of Borrowers” > 1

	
>= 0

	  	  
	
104

	
All Borrower Wage Income

	
Monthly income of all borrowers derived from base salary only.

	
Borrower Qualification

	
Numeric – Decimal

	
9000

	
9(9).99

	
Always

	
>= 0

	  	  
	
105

	
All Borrower Total Income

	
Monthly income of all borrowers derived from base salary, commission, tips and gratuities, overtime and bonuses, part-time or second-job earnings, alimony, child support, interest and dividend income, notes receivable, trust income, net rental income, retirement income, social security, veterans income, military income, foster care income, and self-employed income.

	
Borrower Qualification

	
Numeric – Decimal

	
9000

	
9(9).99

	
Always

	
>= 0

	  	  
	
106

	
4506-T Indicator

	
A yes/no indicator of whether a Transcript of Tax Return (received pursuant to the filing of IRS Form 4506-T) was obtained and considered.

	
Borrower Qualification

	
Numeric – Integer

	
1

	
99

	
Always

	
See Coding

	
0 = No

1 = Yes

99 = Unknown

	  
	
107

	
Borrower Income Verification Level

	
A code indicating the extent to which the borrower’s income has been verified:

Level 4 Income Verification = [W-2 (Prev. Yr.) OR TAX RETURNS* (Prev. Yr.)] AND PAY STUBS (YTD (at least one month)–if salaried)

Level 5 Income Verification = 24 months income verification (W-2s, pay stubs, bank statements and/or tax returns**)

*For self-employed borrowers:  Level 4 Income Verification:

• 2 Years Tax Returns

• Self-prepared tax returns (regardless of 4506 and tax transcripts)

 

** For self-employed borrowers: Level 5 Income Verification:

• 2 Years tax returns

• Tax returns prepared and not executed by a CPA, with

          o CPA name & phone number shown on the Preparer section of the tax return

          o Executed 4506 and tax transcripts (matching returns in file)

• Tax returns prepared and executed by a CPA  (regardless of 4506 and tax transcripts)

	
Borrower Qualification

	
Numeric – Integer

	
1

	
9

	
Always

	
See Coding

	
1 = Not Stated, Not Verified

2 = Stated, Not Verified

3 = Stated, “Partially” Verified

4 = Stated, “Level 4” Verified  (as defined)

5 = Stated, “Level 5” Verified  (as defined)

 

	  
	
108

	
Co-Borrower Income Verification

	
A code indicating the extent to which the co-borrower’s income has been verified:

 

Level 4 Income Verification = [W-2 (Prev. Yr.) OR TAX RETURNS* (Prev. Yr.)] AND PAY STUBS (YTD (at least one month)–if salaried)

 

Level 5 Income Verification = 24 months income verification (W-2s, pay stubs, bank statements and/or tax returns**)

*For self-employed borrowers:  Level 4 Income Verification:

• 2 Years Tax Returns

• Self-prepared tax returns (regardless of 4506 and tax transcripts)

 

** For self-employed borrowers: Level 5 Income Verification:

• 2 Years tax returns

• Tax returns prepared and not executed by a CPA, with

          o CPA name & phone number shown on the Preparer section of the tax return

          o Executed 4506 and tax transcripts (matching returns in file)

• Tax returns prepared and executed by a CPA  (regardless of 4506 and tax transcripts)

	
Borrower Qualification

	
Numeric – Integer

	
2

	
9

	
If “Total Number of Borrowers” > 1

	
See Coding

	
1 = Not Stated, Not Verified

2 = Stated, Not Verified

3 = Stated, “Partially” Verified

4 = Stated, “Level 4” Verified  (as defined)

5 = Stated, “Level 5” Verified  (as defined)

 

	  
	
109

	
Borrower Employment Verification

	
A code indicating the extent to which the primary borrower’s employment has been verified:

 

Level 3 Verified = Direct Independent Verification with a third party of the borrower’s current employment.

	
Borrower Qualification

	
Numeric – Integer

	
2

	
9

	
Always

	
See Coding

	
1 = Not Stated, Not Verified

2 = Stated, Not Verified

3 = Stated, Level 3 Verified (as defined)

	  
	
110

	
Co-Borrower Employment Verification

	
A code indicating the extent to which the co-borrower’s employment has been verified:

 

Level 3 Verified = Direct Independent Verification with a third party of the co-borrower’s current employment.

	
Borrower Qualification

	
Numeric – Integer

	
1

	
9

	
If “Total Number of Borrowers” > 1

	
See Coding

	
1 = Not Stated, Not Verified

2 = Stated, Not Verified

3 = Stated, Level 3 Verified (as defined)

	  
	
111

	
Borrower Asset Verification

	
A code indicating the extent to which the primary borrower’s assets used to qualify the loan have been verified:

 

Level 4 Verified = 2 months of bank statements/balance documentation (written or electronic) for liquid assets (or gift letter).

 

	
Borrower Qualification

	
Numeric – Integer

	
3

	
9

	
Always

	
See Coding

	
1 = Not Stated, Not Verified

2 = Stated, Not Verified

3 = Stated, “Partially” Verified

4 = Stated, Level 4 Verified  (as defined)

	  
	
112

	
Co-Borrower Asset Verification

	
A code indicating the extent to which the co-borrower’s assets used to qualify the loan have been verified:

 

Level 4 = 2 months of bank statements/balance documentation (written or electronic) for liquid assets (or gift letter).

 

	
Borrower Qualification

	
Numeric – Integer

	
2

	
9

	
If “Total Number of Borrowers” > 1

	
See Coding

	
1 = Not Stated, Not Verified

2 = Stated, Not Verified

3 = Stated, “Partially” Verified

4 = Stated, Level 4 Verified  (as defined)

	  
	
113

	
Liquid / Cash Reserves

	
The actual dollar amount of remaining verified liquid assets after settlement. (This should not include cash out amount of subject loan.)

	
Borrower Qualification

	
Numeric – Decimal

	
3242.76

	
9(9).99

	
Always

	
>= 0

	  	  
	
114

	
Monthly Debt All Borrowers

	
The aggregate monthly payment due on other debt (excluding only installment loans with fewer than 10 payments remaining and other real estate loans used to compute net rental income— which is added/subtracted in the income fields).

	
Borrower Qualification

	
Numeric – Decimal

	
3472.43

	
9(9).99

	
Always

	
>= 0

	  	  
	
115

	
Originator DTI

	
Total Debt to income ratio used by the originator to qualify the loan.

	
Borrower Qualification

	
Numeric – Decimal

	
0.35

	
9.999999

	
Always

	
>= 0 and >= 1

	  	  
	
116

	
Fully Indexed Rate

	
The fully indexed interest rate as of securitization cut-off.

	
Borrower Qualification

	
Numeric – Decimal

	
0.0975

	
9.999999

	
ARMs Only

	
>= 0 and >= 1

	  	  
	
117

	
Qualification Method

	
Type of mortgage payment used to qualify the borrower for the loan.

	
Borrower Qualification

	
Numeric – Integer

	
3

	
99

	
Always

	
See Coding

	
1 = Start Rate

2 = First Year Cap Rate

3 = I/O Amount

4 = Fully Indexed

5 = Min Payment

98 = Other

99 = Unknown

	  
	
118

	
Percentage of Down Payment from Borrower Own Funds

	
Include only borrower funds, do not include any gift or borrowed funds. (Issuers may provide the actual percentage for each loan, or the guideline percentage and note departure concentration on the transaction summary.)

	
Borrower Qualification

	
Numeric – Decimal

	
0.5

	
9.999999

	
Purchase Loans Only

	
>= 0 and >= 1

	  	  
	
119

	
City

	
The name of the city.

	
Subject Property

	
Text

	
New York

	
X(45)

	
Always

	
Unk=Unknown

	  	  
	
120

	
State

	
The name of the state as a 2-digit Abbreviation.

	
Subject Property

	
Text

	
NY

	
XX

	
Always

	
See Coding

	
See Appendix H

	  
	
121

	
Postal Code

	
The postal code (zip code in the US) where the subject property is located.

	
Subject Property

	
Text

	
10022

	
X(5)

	
Always

	
Unk=Unknown

	  	  
	
122

	
Property Type

	
Specifies the type of property being used to secure the loan.

	
Subject Property

	
Numeric – Integer

	
11

	
99

	
Always

	
See Coding

	
See Appendix D

	  
	
123

	
Occupancy

	
Specifies the property occupancy status (e.g., owner-occupied, investment property, second home, etc.).

	
Subject Property

	
Numeric – Integer

	
4

	
9

	
Always

	
See Coding

	
See Appendix E

	  
	
124

	
Sales Price

	
The negotiated price of a given property between the buyer and seller.

	
Subject Property

	
Numeric – Decimal

	
450000.23

	
9(10).99

	
Purchase Loans Only

	
> 0

	  	  
	
125

	
Original Appraised Property Value

	
The appraised value of the property used to approve the loan.

	
Subject Property

	
Numeric – Decimal

	
550000.23

	
9(10).99

	
Always

	
> 0

	  	  
	
126

	
Original Property Valuation Type

	
Specifies the method by which the property value (at the time of underwriting) was reported.

	
Subject Property

	
Numeric – Integer

	
8

	
99

	
Always

	
See Coding

	
See Appendix F

	  
	
127

	
Original Property Valuation Date

	
Specifies the date on which the original property value (at the time of underwriting) was reported. (Issuers unable to provide may Rep and Warrant that the appraisal used for underwriting was not more than x days old at time of loan closing.)

	
Subject Property

	
Date

	
20090914

	
YYYYMMDD

	
Always

	
“19010101” if unknown

	  	  
	
128

	
Original Automated Valuation Model (AVM) Model Name

	
The name of the AVM Vendor if an AVM was used to determine the original property valuation.

	
Subject Property

	
Numeric – Integer

	
1

	
99

	
Always

	
See Appendix I

	
See Appendix I

	  
	
129

	
Original AVM Confidence Score

	
The confidence range presented on the AVM report.

	
Subject Property

	
Numeric – Decimal

	
0.74

	
9.999999

	
If AVM Model Name (Field 127) > 0

	
>= 0 to <= 1

	  	  
	
130

	
Most Recent Property Value[1]

	
If a valuation was obtained subsequent to the valuation used to calculate LTV, the most recent property value.

	
Subject Property

	
Numeric – Decimal

	
500000

	
9(10).99

	
If updated value was obtained subsequent to loan approval

	
> 0

	  	  
	
131

	
Most Recent Property Valuation Type

	
If an additional property valuation was obtained after the valuation used for underwriting purposes, the method by which the property value was reported.

	
Subject Property

	
Numeric – Integer

	
6

	
9

	
If updated value was obtained subsequent to loan approval

	
See Coding

	
See Appendix F

	  
	
132

	
Most Recent Property Valuation Date

	
Specifies the date on which the updated property value was reported.

	
Subject Property

	
Date

	
20090914

	
YYYYMMDD

	
If updated value was obtained subsequent to loan approval

	
“19010101” if unknown

	  	  
	
133

	
Most Recent AVM Model Name

	
The name of the AVM Vendor if an AVM was used to determine the updated property valuation.

	
Subject Property

	
Numeric – Integer

	
19

	
99

	
If updated value was obtained subsequent to loan approval

	
See Coding

	
See Appendix I

	  
	
134

	
Most Recent AVM Confidence Score

	
If AVM used to determine the updated property valuation, the confidence range presented on the AVM report.

	
Subject Property

	
Numeric – Decimal

	
0.85

	
9.999999

	
If “Most Recent AVM Model Name” > 0

	
>= 0 to <= 1

	  	  
	
135

	
Original CLTV

	
The ratio obtained by dividing the amount of all known outstanding mortgage liens on a property at origination by the lesser of the appraised value or the sales price.

	
Loan-to-Value (LTV)

	
Numeric – Decimal

	
0.96

	
9.999999

	
Always

	
>= 0 and <= 1.5

	  	  
	
136

	
Original LTV

	
The ratio obtained by dividing the original mortgage loan amount on the note date by the lesser of the mortgaged property’s appraised value on the note date or its purchase price.

	
Loan-to-Value (LTV)

	
Numeric – Decimal

	
0.8

	
9.999999

	
Always

	
>= 0 and <= 1.25

	  	  
	
137

	
Original Pledged Assets

	
The total value of assets pledged as collateral for the loan at the time of origination. Pledged assets may include cash or marketable securities.

	
Loan-to-Value (LTV)

	
Numeric – Decimal

	
75000

	
9(10).99

	
Always

	
>=0

	  	  
	
138

	
Mortgage Insurance Company Name

	
The name of the entity providing mortgage insurance for a loan.

	
Mortgage Insurance

	
Numeric – Integer

	
3

	
99

	
Always

	
See Coding

	
See Appendix G

	  
	
139

	
Mortgage Insurance Percent

	
Mortgage Insurance coverage percentage.

	
Mortgage Insurance

	
Numeric – Decimal

	
0.25

	
9.999999

	
“Mortgage Insurance Company Name” > 0

	
>= 0 to <= 1

	  	  
	
140

	
MI: Lender or Borrower Paid?

	
An indicator of whether mortgage insurance is paid by the borrower or the lender.

	
Mortgage Insurance

	
Numeric – Integer

	
1

	
99

	
“Mortgage Insurance Company Name” > 0

	
See Coding

	
1 = Borrower-Paid

2 = Lender- Paid

99 = Unknown

	  
	
141

	
Pool Insurance Co. Name

	
Name of pool insurance provider.

	
Mortgage Insurance

	
Numeric – Integer

	
8

	
99

	
Always

	
See Coding

	
See Appendix G

	  
	
142

	
Pool Insurance Stop Loss %

	
The aggregate amount that a pool insurer will pay, calculated as a percentage of the pool balance.

	
Mortgage Insurance

	
Numeric – Decimal

	
0.25

	
9.999999

	
Pool MI Company > 0

	
>= 0 to <= 1

	  	  
	
143

	
MI Certificate Number

	
The unique number assigned to each individual loan insured under an MI policy.

	
Mortgage Insurance

	
Text

	
123456789G

	
X(20)

	
MI Company

> 0

	
UNK = Unknown

	  	  
	
144

	
Updated DTI

(Front-end)

	
Updated front-end DTI ratio (total monthly housing expense divided by total monthly income) used to qualify the loan modification.

	
Loan Modifications (Pertains only to loans modified for loss mitigation purposes)

	
Numeric – Decimal

	
0.35

	
9.999999

	
Modified Loans Only

	
>= 0 and >= 1

	  	  
	
145

	
Updated DTI

(Back-end)

	
Updated back-end DTI ratio (total monthly debt expense divided by total monthly income) used to qualify the loan modification.

	
Loan Modifications (Pertains only to loans modified for loss mitigation purposes)

	
Numeric – Decimal

	
0.35

	
9.999999

	
Modified Loans Only

	
>= 0 and >= 1

	  	  
	
146

	
Modification Effective Payment Date

	
Date of first payment due post modification.

	
Loan Modifications (Pertains only to loans modified for loss mitigation purposes)

	
Date

	
20090914

	
YYYYMMDD

	
Modified Loans Only

	
“19010101” if unknown

	  	  
	
147

	
Total Capitalized Amount

	
Amount added to the principal balance of a loan due to the modification.

	
Loan Modifications (Pertains only to loans modified for loss mitigation purposes)

	
Numeric – Decimal

	
12000

	
9(10).99

	
Modified Loans Only

	
>= 0

	  	  
	
148

	
Total Deferred Amount

	
Any non-interest-bearing deferred amount (e.g., principal, interest and fees).

	
Loan Modifications (Pertains only to loans modified for loss mitigation purposes)

	
Numeric – Decimal

	
12000

	
9(10).99

	
Modified Loans Only

	
>= 0

	  	  
	
149

	
Pre-Modification Interest (Note) Rate

	
Scheduled Interest Rate Of The Loan Immediately Preceding The Modification Effective Payment Date.

	
Loan Modifications (Pertains only to loans modified for loss mitigation purposes)

	
Numeric – Decimal

	
0.075

	
9.999999

	
Modified Loans Only

	
>= 0 to <= 1

	  	  
	
150

	
Pre-Modification P&I Payment

	
Scheduled Total Principal And Interest Payment Amount Preceding The Modification Effective Payment Date – or if servicer is no longer advancing P&I, the payment that would be in effect if the loan were current.

	
Loan Modifications (Pertains only to loans modified for loss mitigation purposes)

	
Numeric – Decimal

	
2310.57

	
9(10).99

	
Modified Loans Only

	
> 0

	  	  
	
151

	
Pre-Modification Initial Interest Rate Change Downward Cap

	
Maximum amount the rate can adjust downward on the first interest rate adjustment date (prior to modification) – Only provide if the rate floor is modified.

	
Loan Modifications (Pertains only to loans modified for loss mitigation purposes)

	
Numeric – Decimal

	
0.015

	
9.999999

	
Modified Loans Only

	
>= 0 to <= 1

	  	  
	
152

	
Pre-Modification Subsequent Interest Rate Cap

	
Maximum increment the rate can adjust upward AFTER the initial rate adjustment (prior to modification) – Only provide if the Cap is modified.

	
Loan Modifications (Pertains only to loans modified for loss mitigation purposes)

	
Numeric – Decimal

	
0.015

	
9.999999

	
Modified Loans Only

	
>= 0 to <= 1

	  	  
	
153

	
Pre-Modification Next Interest Rate Change Date

	
Next Interest Reset Date Under The Original Terms Of The Loan (one month prior to new payment due date).

	
Loan Modifications (Pertains only to loans modified for loss mitigation purposes)

	
Date

	
20090914

	
YYYYMMDD

	
Modified Loans Only

	
“19010101” if unknown

	  	  
	
154

	
Pre-Modification I/O Term

	
Interest Only Term (in months) preceding The Modification Effective Payment Date.

	
Loan Modifications (Pertains only to loans modified for loss mitigation purposes)

	
Numeric – Integer

	
36

	
999

	
Modified Loans Only

	
>= 0 to <= 120

	  	  
	
155

	
Forgiven Principal Amount

	
The sum total of all principal balance reductions (as a result of loan modification) over the life of the loan.

	
Loan Modifications (Pertains only to loans modified for loss mitigation purposes)

	
Numeric – Decimal

	
12000

	
9(10).99

	
Modified Loans Only

	
>= 0

	  	  
	
156

	
Forgiven Interest Amount

	
The sum total of all interest incurred and forgiven (as a result of loan modification) over the life of the loan.

	
Loan Modifications (Pertains only to loans modified for loss mitigation purposes)

	
Numeric – Decimal

	
12000

	
9(10).99

	
Modified Loans Only

	
>= 0

	  	  
	
157

	
Number of Modifications

	
The number of times the loan has been modified.

	
Loan Modifications (Pertains only to loans modified for loss mitigation purposes)

	
Numeric – Integer

	
1

	
9

	
Modified Loans Only

	
>= 0

	  	  
	
MH-1

	
Real Estate Interest

	
Indicates whether the property on which the manufactured home is situated is owned outright or subject to the terms of a short- or long-term lease. (A long-term lease is defined as a lease whose term is greater than or equal to the loan term.)

	
Manufactured Housing

	
Numeric – Integer

	
2

	
99

	
Manufactured Housing Loans Only

	
See Coding

	
1 = Owned

2 = Short-term lease

3 = Long-term lease

99 = Unavailable

	  
	
MH-2

	
Community Ownership Structure

	
If the manufactured home is situated in a community, a means of classifying ownership of the community.

	
Manufactured Housing

	
Numeric – Integer

	
2

	
99

	
Manufactured Housing Loans Only

	
See Coding

	
1 = Public Institutional

2 = Public Non-Institutional

3 = Private Institutional

4 = Private Non-Institutional

5 = HOA-Owned

6 = Non-Community

99 = Unavailable

	  
	
MH-3

	
Year of Manufacture

	
The year in which the home was manufactured (Model Year — YYYY Format). Required only in cases where a full appraisal is not provided.

	
Manufactured Housing

	
Numeric – Integer

	
2006

	
YYYY

	
Manufactured Housing Loans Only

	
1901 = Unavailable

	  	  
	
MH-4

	
HUD Code Compliance  Indicator (Y/N)

	
Indicates whether the home was constructed in accordance with the 1976 HUD code. In general, homes manufactured after 1976 comply with this code.

	
Manufactured Housing

	
Numeric – Integer

	
1

	
9

	
Manufactured Housing Loans Only

	
See Codes

	
0 = No

1 = Yes

99 = Unavailable

	  
	
MH-5

	
Gross Manufacturer’s Invoice Price

	
The total amount that appears on the manufacturer’s invoice (typically includes intangible costs such as transportation, association, on-site setup, service and warranty costs, taxes, dealer incentives, and other fees).

	
Manufactured Housing

	
Numeric – Decimal

	
72570.62

	
9(10).99

	
Manufactured Housing Loans Only

	
>= 0

	  	  
	
MH-6

	
LTI (Loan-to-Invoice) Gross

	
The ratio of the loan amount divided by the Gross Manufacturer’s Invoice Price (Field MH-5).

	
Manufactured Housing

	
Numeric – Decimal

	
0.75

	
9.999999

	
Manufactured Housing Loans Only

	
>= 0 to <= 1

	  	  
	
MH-7

	
Net Manufacturer’s Invoice Price

	
The Gross Manufacturer’s Invoice Price (Field MH-5) minus intangible costs, including: transportation, association, on-site setup, service, and warranty costs, taxes, dealer incentives, and other fees.

	
Manufactured Housing

	
Numeric – Decimal

	
61570.62

	
9(10).99

	
Manufactured Housing Loans Only

	
>= 0

	  	  
	
MH-8

	
LTI (Net)

	
The ratio of the loan amount divided by the Net Manufacturer’s Invoice Price (Field MH-7).

	
Manufactured Housing

	
Numeric – Decimal

	
0.62

	
9.999999

	
Manufactured Housing Loans Only

	
>= 0 to <= 1

	  	  
	
MH-9

	
Manufacturer Name

	
The manufacturer of the subject property. (To be applied only in cases where no appraised value/other type of property valuation is available.)

	
Manufactured Housing

	
Text

	
“XYZ Corp”

	
Char (100)

	
Manufactured Housing Loans Only (where no appraised value is provided)

	
MH Manufacturer name in double quotation marks

	  	  
	
MH-10

	
Model Name

	
The model name of the subject property. (To be applied only in cases where no appraised value/other type of property valuation is available.)

	
Manufactured Housing

	
Text

	
“DX5-916-X”

	
Char (100)

	
Manufactured Housing Loans Only (where no appraised value is provided)

	
MH Model name in double quotation marks

	  	  
	
MH-11

	
Down Payment Source

	
An indicator of the source of the down payment used by the borrower to acquire the property and qualify for the mortgage.

	
Manufactured Housing

	
Numeric – Integer

	
2

	
99

	
Manufactured Housing Loans Only

	
See Codes

	
1 = Cash

2 = Proceeds from trade in

3 = Land in Lieu

4 = Other

99 = Unavailable

	  
	
MH-12

	
Community/Related Party Lender (Y/N)

	
An indicator of whether the loan was made by the community owner, an affiliate of the community owner or the owner of the real estate upon which the collateral is located.

	
Manufactured Housing

	
Numeric – Integer

	
1

	
99

	
Manufactured Housing Loans Only

	
See Codes

	
0 = No

1 = Yes

99 = Unavailable

	  
	
MH-13

	
Defined Underwriting Criteria (Y/N)

	
An indicator of whether the loan was made in accordance with a defined and/or standardized set of underwriting criteria.

	
Manufactured Housing

	
Numeric – Integer

	
1

	
99

	
Manufactured Housing Loans Only

	
See Codes

	
0 = No

1 = Yes

99 = Unavailable

	  
	
MH-14

	
Chattel Indicator

	
An Indicator of whether the secured property is classified as chattel or Real Estate.

	
Manufactured Housing

	
Numeric – Integer

	
1

	
99

	
Manufactured Housing Loans Only

	
See Codes

	
0 = Real Estate

1 = Chattel

99 = Unavailable

	  

    	 

    	 

    

 

ATTACHMENT 2

 

PURCHASE AND SERVICING AGREEMENT

 

Refer to Exhibit 10.6

 

 

 

    	2

    	 

    

ATTACHMENT 3

 

ADDITIONAL DEFINED TERMS FROM POOLING
AND SERVICING AGREEMENT

 

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.

 

Independent: When used with respect
to any other Person, a Person who (a) is in fact independent of another specified Person and any Affiliate of such other Person,
(b) does not have any material direct financial interest in such other Person or any Affiliate of such other Person, and (c) is
not connected with such other Person or any Affiliate of such other Person as an officer, employee, promoter, underwriter, trustee,
partner, director or Person performing similar functions.

 

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

 

Principal Forbearance Amount: With
respect to a Mortgage Loan that was the subject of a Servicing Modification, the amount of principal of the Mortgage Loan that
has been deferred and that does not accrue interest.

 

Servicing Modification:
Any reduction of the Note Rate on or the outstanding principal balance of a Mortgage Loan, any extension of the final maturity
date of a Mortgage Loan, any increase to the outstanding principal balance of a Mortgage Loan by adding to the Stated Principal
Balance unpaid principal and interest and other amounts owing under the Mortgage Loan, any Principal Forbearance Amount and any
other modification, in each case pursuant to a modification of a Mortgage Loan that is in default or for which, in the judgment
of the Servicer, default is reasonably foreseeable in accordance with the Purchase and Servicing Agreement.

    	3

    	 

    

EXHIBIT D-3

 

 

INITIAL AUTHORIZED REPRESENTATIVES
OF THE SERVICER

 

 

 

 

	Name	 	Title	 	Specimen Signature
	 	 	 	 	 
	 	 	 	 	 
	 	 	 	 	 
	 	 	 	 	 
	 	 	 	 	 
	 	 	 	 	 
	 	 	 	 	 
	 	 	 	 	 
	 	 	 	 	 
	 	 	 	 	 
	 	 	 	 	 
	 	 	 	 	 
	 	 	 	 	 
	 	 	 	 	 
	 	 	 	 	 

 

 

 

    	D-3

    	 

    

EXHIBIT F

 

REQUEST FOR RELEASE OF DOCUMENTS

 

	To:	Wells Fargo Bank, N.A.	Date:  _______________
	 	751 Kasota Avenue	 
	 	Minneapolis, MN  55414	 
	 	Attn:  WFDC Release Department.	 

 

		Re:	Custodial Agreement, dated as of March 1, 2012, among U.S. Bank National Association, as Trustee, Wells Fargo Bank, N.A., as
Custodian, Sequoia Residential Funding, Inc., as Depositor, and Redwood Residential Acquisition Corporation, as Seller

 

In connection with the administration
of the Mortgage Loans held by you as Custodian for the Trustee pursuant to the above-captioned Custodial Agreement, we request
the release of the Custodian’s Mortgage File for the Mortgage Loan described below, for the reason indicated.

 

 

	Mortgage Loan Number: ___________________	Investor Number: _________________
	 	 
	Mortgagor Name, Address & Zip Code:                 	Pool Number:____________________

 

Reason for Requesting Documents (check one):

 

_______ 1. Mortgage Paid in Full

 

_______ 2. Foreclosure

 

_______ 3. Substitution

 

_______ 4. Other Liquidation

 

	_______ 5. Non-liquidation	Reason:__________________
	 	 
	 	For CMI Use Only:_____________

 

 

By:____________________________________________

 (Authorized Signature)

 

Printed Name ___________________________________

 

Servicer Name:           PHH
Mortgage Corporation                    

 

Ship To Address:      One Mortgage Way                                  

    
 Mount Laurel, NJ 08054                           

 

Phone:______________________

    	F-1

    	 

    

 

 

Custodian

 

Please acknowledge the execution of the above request by
your signature and date below:

 

	________________________________________    	Date                               

Signature

 

Documents returned to Custodian:

 

	________________________________________    	Date                               

Custodian

 

 

 

    	F-2

    	 

    

EXHIBIT 13

 

FORM OF MONTHLY LOSS REPORT

 

	Exhibit : Calculation of Realized Loss/Gain Form 332– Instruction Sheet

NOTE: Do not net or combine items. Show all expenses
individually and all credits as separate line items. Claim packages are due on the remittance report date. Late submissions may
result in claims not being passed until the following month. The Servicer is responsible to remit all funds pending loss approval
and /or resolution of any disputed items. 

 

 

The numbers on the 332 form correspond
with the numbers listed below.

 

Liquidation and Acquisition Expenses:

		1.	The Actual Unpaid Principal Balance of the Mortgage Loan. For documentation, an Amortization Schedule from date of default
through liquidation breaking out the net interest and servicing fees advanced is required.

  

		2.	The Total Interest Due less the aggregate amount of servicing fee that would have been earned if
all delinquent payments had been made as agreed. For documentation, an Amortization Schedule from date of default through liquidation
breaking out the net interest and servicing fees advanced is required.

		3.	Accrued Servicing Fees based upon the Scheduled Principal Balance of the Mortgage Loan as calculated
on a monthly basis. For documentation, an Amortization Schedule from date of default through liquidation breaking out the net interest
and servicing fees advanced is required.

		4-12.	Complete as applicable. Required documentation:

* For taxes
and insurance advances – see page 2 of 332 form - breakdown required showing period

of coverage,
base tax, interest, penalty. Advances prior to default require evidence of servicer efforts to recover advances.

* For escrow
advances - complete payment history

(to calculate
advances from last positive escrow balance forward)

* Other expenses
-  copies of corporate advance history showing all payments

* REO repairs
> $1500 require explanation

* REO repairs
>$3000 require evidence of at least 2 bids.

* Short Sale
or Charge Off require P&L supporting the decision and WFB’s approved Officer Certificate

* Unusual
or extraordinary items may require further documentation.

		13.	The total of lines 1 through 12.

Credits:

 

		14-21.	Complete as applicable. Required documentation:

* Copy of
the HUD 1 from the REO sale. If a 3rd Party Sale, bid instructions and Escrow Agent / Attorney

Letter of
Proceeds Breakdown.

* Copy of
EOB for any MI or gov't guarantee

* All other
credits need to be clearly defined on the 332 form            

    	 

    	 

    

		22.	The total of lines 14 through 21.

 

			

 

		PleaseNote:	For HUD/VA loans, use line (18a) for Part A/Initial proceeds and line (18b) for Part B/Supplemental proceeds.

  

Total Realized Loss (or Amount
of Any Gain)

		23.	The total derived from subtracting line 22 from 13. If the amount
represents a realized gain, show the amount in parenthesis ( ).

    	 

    	 

    

 

	Exhibit 3A: Calculation of Realized Loss/Gain Form 332

  

Prepared by: __________________           Date:
_______________

 

Phone: ______________________ Email Address:_____________________

 

	
        Servicer Loan No.

         

         

         
	 	
        Servicer Name

         

         

         
	 	
        Servicer Address

         

         

         

         

         

 

WELLS FARGO BANK, N.A. Loan No._____________________________

 

Borrower's Name: _________________________________________________________

 

Property Address: _________________________________________________________

 

Liquidation Type: REO Sale       
3rd Party Sale        Short Sale        Charge
Off

 

Was this loan granted a Bankruptcy deficiency or
cramdown         Yes           No

 

If “Yes”, provide deficiency
or cramdown amount _______________________________

 

Liquidation and Acquisition Expenses:

 

	(1)	Actual Unpaid Principal Balance of Mortgage Loan	$ ______________	(1)
	(2)	Interest accrued at Net Rate	________________	(2)
	(3)	Accrued Servicing Fees	________________	(3)
	(4)	Attorney's Fees	________________	(4)
	(5)	Taxes (see page 2)	________________	(5)
	(6)	Property Maintenance	________________	(6)
	(7)	MI/Hazard Insurance Premiums (see page 2)	________________	(7)
	(8)	Utility Expenses	________________	(8)
	(9)	Appraisal/BPO	________________	(9)
	(10)	Property Inspections	________________	(10)
	(11)	FC Costs/Other Legal Expenses	________________	(11)
	(12)	Other (itemize)	________________	(12)
	 	Cash for Keys__________________________	________________	(12)
	 	HOA/Condo Fees_______________________	________________	(12)
	 	______________________________________	________________	(12)
	 	 	 	 
	 	Total Expenses	$ _______________	(13)
	Credits:	 	 
	(14)	Escrow Balance	$ _______________	(14)
	(15)	HIP Refund	________________	(15)
	(16)	Rental Receipts	________________	(16)
	(17)	Hazard Loss Proceeds	________________	(17)
	(18)	Primary Mortgage Insurance / Gov’t Insurance	________________	(18a) HUD Part A
	 	 	________________	(18b) HUD Part B
	(19)	Pool Insurance Proceeds	________________	(19)
	(20)	Proceeds from Sale of Acquired Property	________________	(20)
	(21)	Other (itemize)	________________	(21)
	 	_________________________________________	________________	(21)
	 	 	 	 
	 	Total Credits	$________________	(22)
	Total Realized Loss (or Amount of Gain)	$________________	(23)

    	 

    	 

    

Escrow Disbursement Detail

 

 

	
        Type

        (Tax /Ins.)
	
        Date 

        Paid
	
        Period of 

        Coverage
	
        Total 

        Paid
	
        Base 

        Amount
	Penalties	Interest
	 	 	 	 	 	 	 
	 	 	 	 	 	 	 
	 	 	 	 	 	 	 
	 	 	 	 	 	 	 
	 	 	 	 	 	 	 
	 	 	 	 	 	 	 
	 	 	 	 	 	 	 
	 	 	 	 	 	 	 

 

 

    	 

    	 

    

EXHIBIT 14

 

FORM OF DELINQUENCY REPORTING

 

 

	Exhibit   : Standard File Layout – Delinquency Reporting

 

*The column/header names in bold
are the minimum fields Wells Fargo must receive from every Servicer

	COLUMN/HEADER NAME	DESCRIPTION	DECIMAL	FORMAT COMMENT
	SERVICER_LOAN_NBR	A unique number assigned to a loan by the Servicer.  This may be different than the LOAN_NBR	 	 
	LOAN_NBR	A unique identifier assigned to each loan by the originator.	 	 
	CLIENT_NBR	Servicer Client Number	 	 
	SERV_INVESTOR_NBR	Contains a unique number as assigned by an external servicer to identify a group of loans in their system.	 	 
	BORROWER_FIRST_NAME	First Name of the Borrower.	 	 
	BORROWER_LAST_NAME	Last name of the borrower.	 	 
	PROP_ADDRESS	Street Name and Number of Property	 	 
	PROP_STATE	The state where the  property located.	 	 
	PROP_ZIP	Zip code where the property is located.	 	 
	BORR_NEXT_PAY_DUE_DATE	The date that the borrower's next payment is due to the servicer at the end of processing cycle, as reported by Servicer.	 	MM/DD/YYYY
	LOAN_TYPE	Loan Type (i.e. FHA, VA, Conv)	 	 
	BANKRUPTCY_FILED_DATE	The date a particular bankruptcy claim was filed.	 	MM/DD/YYYY
	BANKRUPTCY_CHAPTER_CODE	The chapter under which the bankruptcy was filed.	 	 
	BANKRUPTCY_CASE_NBR	The case number assigned by the court to the bankruptcy filing.	 	 
	POST_PETITION_DUE_DATE	The payment due date once the bankruptcy has been approved by the courts	 	MM/DD/YYYY
	BANKRUPTCY_DCHRG_DISM_DATE	The Date The Loan Is Removed From Bankruptcy. Either by Dismissal, Discharged and/or a Motion For Relief Was Granted.	 	MM/DD/YYYY
	LOSS_MIT_APPR_DATE	The Date The Loss Mitigation Was Approved By The Servicer	 	MM/DD/YYYY
	LOSS_MIT_TYPE	The Type Of Loss Mitigation Approved For A Loan Such As;	 	 

 

    	 

    	 

    

 

	COLUMN/HEADER NAME	DESCRIPTION	DECIMAL	FORMAT COMMENT
	LOSS_MIT_EST_COMP_DATE	The Date The Loss Mitigation /Plan Is Scheduled To End/Close	 	MM/DD/YYYY
	LOSS_MIT_ACT_COMP_DATE	The Date The Loss Mitigation Is Actually Completed	 	MM/DD/YYYY
	FRCLSR_APPROVED_DATE	The date DA Admin sends a letter to the servicer with instructions to begin foreclosure proceedings.	 	MM/DD/YYYY
	ATTORNEY_REFERRAL_DATE	Date File Was Referred To Attorney to Pursue Foreclosure	 	MM/DD/YYYY
	FIRST_LEGAL_DATE	Notice of 1st legal filed by an Attorney in a Foreclosure Action	 	MM/DD/YYYY
	FRCLSR_SALE_EXPECTED_DATE	The date by which a foreclosure sale is expected to occur.	 	MM/DD/YYYY
	FRCLSR_SALE_DATE	The actual date of the foreclosure sale.	 	MM/DD/YYYY
	FRCLSR_SALE_AMT	The amount a property sold for at the foreclosure sale.	2	No commas(,) or dollar signs ($)
	EVICTION_START_DATE	The date the servicer initiates eviction of the borrower.	 	MM/DD/YYYY
	EVICTION_COMPLETED_DATE	The date the court revokes legal possession of the property from the borrower.	 	MM/DD/YYYY
	LIST_PRICE	The price at which an REO property is marketed.	2	No commas(,) or dollar signs ($)
	LIST_DATE	The date an REO property is listed at a particular price.	 	MM/DD/YYYY
	OFFER_AMT	The dollar value of an offer for an REO property.	2	No commas(,) or dollar signs ($)
	OFFER_DATE_TIME	The date an offer is received by DA Admin or by the Servicer.	 	MM/DD/YYYY
	REO_CLOSING_DATE	The date the REO sale of the property is scheduled to close.	 	MM/DD/YYYY
	REO_ACTUAL_CLOSING_DATE	Actual Date Of REO Sale	 	MM/DD/YYYY
	OCCUPANT_CODE	Classification of how the property is occupied.	 	 
	PROP_CONDITION_CODE	A code that indicates the condition of the property.	 	 
	PROP_INSPECTION_DATE	The date a  property inspection is performed.	 	MM/DD/YYYY
	APPRAISAL_DATE	The date the appraisal was done.	 	MM/DD/YYYY

 

    	 

    	 

    

 

	COLUMN/HEADER NAME	DESCRIPTION	DECIMAL	FORMAT COMMENT
	CURR_PROP_VAL	 The current "as is" value of the property based on brokers price opinion or appraisal.	2	 
	REPAIRED_PROP_VAL	The amount the property would be worth if repairs are completed pursuant to a broker's price opinion or appraisal.	2	 
	If applicable:	 	 	 
	DELINQ_STATUS_CODE	FNMA Code Describing Status of Loan	 	 
	DELINQ_REASON_CODE	The circumstances which caused a borrower to stop paying on a loan.   Code indicates the reason why the loan is in default for this cycle.	 	 
	MI_CLAIM_FILED_DATE	Date Mortgage Insurance Claim Was Filed With Mortgage Insurance Company.	 	MM/DD/YYYY
	MI_CLAIM_AMT	Amount of Mortgage Insurance Claim Filed	 	No commas(,) or dollar signs ($)
	MI_CLAIM_PAID_DATE	Date Mortgage Insurance Company Disbursed Claim Payment	 	MM/DD/YYYY
	MI_CLAIM_AMT_PAID	Amount Mortgage Insurance Company Paid On Claim	2	No commas(,) or dollar signs ($)
	POOL_CLAIM_FILED_DATE	Date Claim Was Filed With Pool Insurance Company	 	MM/DD/YYYY
	POOL_CLAIM_AMT	Amount of Claim Filed With Pool Insurance Company	2	No commas(,) or dollar signs ($)
	POOL_CLAIM_PAID_DATE	Date Claim Was Settled and The Check Was Issued By The Pool Insurer	 	MM/DD/YYYY
	POOL_CLAIM_AMT_PAID	Amount Paid On Claim By Pool Insurance Company	2	No commas(,) or dollar signs ($)
	FHA_PART_A_CLAIM_FILED_DATE	 Date FHA Part A Claim Was Filed With HUD	 	MM/DD/YYYY
	FHA_PART_A_CLAIM_AMT	 Amount of FHA Part A Claim Filed	2	No commas(,) or dollar signs ($)
	FHA_PART_A_CLAIM_PAID_DATE	 Date HUD Disbursed Part A Claim Payment	 	MM/DD/YYYY
	FHA_PART_A_CLAIM_PAID_AMT	 Amount HUD Paid on Part A Claim	2	No commas(,) or dollar signs ($)
	FHA_PART_B_CLAIM_FILED_DATE	  Date FHA Part B Claim Was Filed With HUD	 	MM/DD/YYYY
	FHA_PART_B_CLAIM_AMT	  Amount of FHA Part B Claim Filed	2	No commas(,) or dollar signs ($)

 

    	 

    	 

    

 

	COLUMN/HEADER NAME	DESCRIPTION	DECIMAL	FORMAT COMMENT
	FHA_PART_B_CLAIM_PAID_DATE	   Date HUD Disbursed Part B Claim Payment	 	MM/DD/YYYY
	FHA_PART_B_CLAIM_PAID_AMT	 Amount HUD Paid on Part B Claim	2	No commas(,) or dollar signs ($)
	VA_CLAIM_FILED_DATE	 Date VA Claim Was Filed With the Veterans Admin	 	MM/DD/YYYY
	VA_CLAIM_PAID_DATE	 Date Veterans Admin. Disbursed VA Claim Payment	 	MM/DD/YYYY
	VA_CLAIM_PAID_AMT	 Amount Veterans Admin. Paid on VA Claim	2	No commas(,) or dollar signs ($)
	MOTION_FOR_RELIEF_DATE	The date the Motion for Relief was filed	10	MM/DD/YYYY
	FRCLSR_BID_AMT	The foreclosure sale bid amount	11	No commas(,) or dollar signs ($)
	FRCLSR_SALE_TYPE	The foreclosure sales results: REO, Third Party, Conveyance to HUD/VA	 	 
	REO_PROCEEDS	The net proceeds from the sale of the REO property. 	 	No commas(,) or dollar signs ($)
	BPO_DATE	The date the BPO was done.	 	 
	CURRENT_FICO	The current FICO score	 	 
	HAZARD_CLAIM_FILED_DATE	The date the Hazard Claim was filed with the Hazard Insurance Company.	10	MM/DD/YYYY
	HAZARD_CLAIM_AMT	The amount of the Hazard Insurance Claim filed.	11	No commas(,) or dollar signs ($)
	HAZARD_CLAIM_PAID_DATE	The date the Hazard Insurance Company disbursed the claim payment.	10	MM/DD/YYYY
	HAZARD_CLAIM_PAID_AMT	The amount the Hazard Insurance Company paid on the claim.	11	No commas(,) or dollar signs ($)
	ACTION_CODE	Indicates loan status	 	Number
	NOD_DATE	 	 	MM/DD/YYYY
	NOI_DATE	 	 	MM/DD/YYYY
	ACTUAL_PAYMENT_PLAN_START_DATE	 	 	MM/DD/YYYY
	ACTUAL_PAYMENT_ PLAN_END_DATE	 	 	 
	ACTUAL_REO_START_DATE	 	 	MM/DD/YYYY
	REO_SALES_PRICE	 	 	Number
	REALIZED_LOSS/GAIN	As defined in the Servicing Agreement	 	Number

 

    	 

    	 

    

 

	Exhibit 2: Standard File Codes – Delinquency Reporting

 

The Loss Mit Type field should show the approved
Loss Mitigation Code as follows: 

	 	·	ASUM-  	Approved Assumption
	 	·	BAP-	Borrower Assistance Program
	 	·	CO-	Charge Off
	 	·	DIL-	Deed-in-Lieu
	 	·	FFA-	Formal Forbearance Agreement
	 	·	MOD-	Loan Modification
	 	·	PRE-	Pre-Sale
	 	·	SS-	Short Sale
	 	·	MISC-	Anything else approved by the PMI or Pool Insurer

 

NOTE: Wells Fargo Bank will accept alternative
Loss Mitigation Types to those above, provided that they are consistent with industry standards. If Loss Mitigation Types other
than those above are used, the Servicer must supply Wells Fargo Bank with a description of each of the Loss Mitigation Types prior
to sending the file.

 

The Occupant Code field should show the current
status of the property code as follows:

		·	Mortgagor

		·	Tenant

		·	Unknown 

		·	Vacant

 

The Property Condition field should show the last
reported condition of the property as follows:

		·	Damaged

		·	Excellent

		·	Fair

		·	Gone

		·	Good

		·	Poor

		·	Special Hazard

		·	Unknown

    	 

    	 

    

 

	Exhibit 2: Standard File Codes – Delinquency Reporting, Continued

 

The FNMA Delinquent Reason Code field should show
the Reason for Delinquency as follows:

 

	Delinquency 
 Code	Delinquency Description
	001	FNMA-Death of principal mortgagor
	002	FNMA-Illness of principal mortgagor
	003	FNMA-Illness of mortgagor’s family member
	004	FNMA-Death of mortgagor’s family member
	005	FNMA-Marital difficulties
	006	FNMA-Curtailment of income
	007	FNMA-Excessive Obligation
	008	FNMA-Abandonment of property
	009	FNMA-Distant employee transfer
	011	FNMA-Property problem
	012	FNMA-Inability to sell property
	013	FNMA-Inability to rent property
	014	FNMA-Military Service
	015	FNMA-Other
	016	FNMA-Unemployment
	017	FNMA-Business failure
	019	FNMA-Casualty loss
	022	FNMA-Energy environment costs
	023	FNMA-Servicing problems
	026	FNMA-Payment adjustment
	027	FNMA-Payment dispute
	029	FNMA-Transfer of ownership pending
	030	FNMA-Fraud
	031	FNMA-Unable to contact borrower
	INC	FNMA-Incarceration

 

    	 

    	 

    

 

	Exhibit 2: Standard File Codes – Delinquency Reporting, Continued

 

The FNMA Delinquent Status Code field should show
the Status of Default as follows:

 

	Status Code	Status Description
	09	Forbearance
	17	Pre-foreclosure Sale Closing Plan Accepted
	24	Government Seizure
	26	Refinance
	27	Assumption
	28	Modification
	29	Charge-Off
	30	Third Party Sale
	31	Probate
	32	Military Indulgence
	43	Foreclosure Started
	44	Deed-in-Lieu Started
	49	Assignment Completed
	61	Second Lien Considerations
	62	Veteran’s Affairs-No Bid
	63	Veteran’s Affairs-Refund
	64	Veteran’s Affairs-Buydown
	65	Chapter 7 Bankruptcy
	66	Chapter 11 Bankruptcy
	67	Chapter 13 BankruptcyEXHIBIT 10.4

 

EXECUTION COPY

 

ASSIGNMENT, ASSUMPTION AND RECOGNITION
AGREEMENT

 

THIS
ASSIGNMENT, ASSUMPTION AND RECOGNITION AGREEMENT, dated as of March 29, 2012 (the “Assignment”), is entered into by
and among Redwood Residential Acquisition Corporation (the “Assignor” and, solely in its capacity as servicing administrator
described herein, the “Servicing Administrator”), Sequoia Residential Funding, Inc. (the “Depositor”),
Cenlar FSB, as the servicer (the “Servicer”), and U.S. Bank National Association, a national banking association, not
in its individual capacity but solely as trustee (in such capacity, the “Trustee” and as referred to herein, the “Assignee”)
under a Pooling and Servicing Agreement dated as of March 1, 2012 (the “Pooling and Servicing Agreement”) among the
Depositor, the Assignee and Wells Fargo Bank, N.A., as master servicer and securities administrator.

 

RECITALS

 

WHEREAS, the Assignor
and the Servicer have entered into a certain Flow Mortgage Loan Servicing Agreement, dated as of August 1, 2011, as amended by
the Amendment No. 1 to Flow Mortgage Loan Servicing Agreement dated November 3, 2011, and hereby (the “Flow Servicing Agreement”),
and the Servicer is currently servicing certain mortgage loans (the “Mortgage Loans”) under the Flow Servicing Agreement;
and

 

WHEREAS, the Assignor
will sell the Mortgage Loans (the “Specified Mortgage Loans”) that are listed on the mortgage loan schedule attached
as Exhibit I hereto (the “Specified Mortgage Loan Schedule”) and its rights under the Flow Servicing Agreement
with respect to the Specified Mortgage Loans to the Depositor; and

 

WHEREAS, the Depositor
will sell to the Assignee all of its right, title and interest in the Specified Mortgage Loans and its rights under the Flow Servicing
Agreement with respect to the Specified Mortgage Loans; and

 

WHEREAS, the parties
hereto have agreed that the Specified Mortgage Loans shall be subject to the terms of this Assignment.

 

NOW, THEREFORE, in
consideration of the mutual promises contained herein and other good and valuable consideration (the receipt and sufficiency of
which are hereby acknowledged), the parties agree as follows:

 

		1.	Assignment and Assumption.

 

(a)Effective
on and as of the date hereof, the Assignor hereby sells, assigns, conveys and transfers to the Depositor all of its right, title
and interest in, to and under the Flow Servicing Agreement to the extent relating to the Specified Mortgage Loans, together with
its obligations as “Owner” (as such term is defined in the Flow Servicing Agreement) to the extent relating to the
Specified Mortgage Loans, and the Depositor hereby accepts such assignment from the Assignor and assumes such obligations.

 

    	 

    	 

    

 

(b)Effective
on and as of the date hereof, the Depositor hereby sells, assigns, conveys and transfers to the Assignee all of its right, title
and interest in, to and under the Flow Servicing Agreement to the extent relating to the Specified Mortgage Loans, together with
its obligations as “Owner” (as such term is defined in the Flow Servicing Agreement) to the extent relating to the
Specified Mortgage Loans, the Depositor is released from all obligations under the Flow Servicing Agreement, and the Assignee hereby
accepts such assignment from the Depositor.

 

(c)Assignee
agrees to be bound, as “Owner” (as such term is defined in the Flow Servicing Agreement), by all of the terms, covenants
and conditions of the Flow Servicing Agreement relating to the Specified Mortgage Loans, and from and after the date hereof, Assignee
assumes for the benefit of each of Assignor, Depositor and Servicer all of Assignor’s obligations as Owner thereunder in
respect of the Specified Mortgage Loans, and Assignor is released from such obligations.

 

		2.	Recognition of the Assignee.

 

From and after the
date hereof, subject to Section 3 below, the Servicer shall recognize the Assignee as the holder of the rights and benefits of
the Owner with respect to the Specified Mortgage Loans and the Servicer will service the Specified Mortgage Loans for the Assignee
as if the Assignee and the Servicer had entered into a separate servicing agreement for the servicing of the Specified Mortgage
Loans in the form of the Flow Servicing Agreement with the Assignee as the Owner thereunder, the terms of which Flow Servicing
Agreement are incorporated herein by reference and amended hereby. It is the intention of the parties hereto that this Assignment
will be a separate and distinct agreement, and the entire agreement, between the parties hereto to the extent of the Specified
Mortgage Loans and shall be binding upon and for the benefit of the respective successors and assigns of the parties hereto.

 

		3.	Continuing Rights and Responsibilities.

 

(a) Controlling
Holder Rights. The parties hereto agree and acknowledge that Sequoia Mortgage Funding Corporation, an Affiliate of the Depositor,
in its capacity as the initial Controlling Holder pursuant to the Pooling and Servicing Agreement, and for so long as it is the
Controlling Holder, will assume all of Assignee’s rights and all related responsibilities as Owner under the section of the
Flow Servicing Agreement listed below:

 

			Flow Servicing Agreement:

 

	Section	Matter
	 	 
	11.20	
        Servicer Shall Provide Access
        and Information as

        Reasonably Required.

 

(b)Notwithstanding
Sections 1 and 2 above, Assignor reserves its rights under, and does not assign to Assignee or Depositor, the ongoing rights to
take action and the responsibilities of the Owner under the Sections of the Flow Servicing Agreement listed below:

 

    	2

    	 

    

 

			Flow Servicing Agreement:

 

	Section	Matter
	 	 
	Addendum I	Regulation AB Compliance Addendum

 

(c)In addition,
the Servicer agrees to furnish to the Assignor as well as to the Master Servicer copies of reports, notices, statements and other
communications required to be delivered by the Servicer pursuant to any of the sections of the Flow Servicing Agreement referred
to above and under the following sections, at the times therein specified:

 

			Flow Servicing Agreement:

 

	Section	 
	 	 
	11.09	Transfer of Accounts.
	 	 
	11.16	Statements to the Owner.
	 	 
	
        Subsection 2.04

        of Addendum I
	Servicer Compliance Statement.
	 	 
	
        Subsection 2.05

        of Addendum I
	Report on Assessment of Compliance and Attestation.

 

(d)If
there is no Controlling Holder under the Pooling and Servicing Agreement, then all rights and responsibilities assumed by the Controlling
Holder pursuant to Section 3(a) shall terminate and revert to Assignee. Assignor will provide thirty (30) days notice to the Servicer
of any such termination or a change in the identity of the Controlling Holder of which Assignor has knowledge.

 

(e)Redwood
Residential Acquisition Corporation, in its capacity as Servicing Administrator under this Assignment, hereby assumes the obligations
of the Owner, as assigned to the Assignee, and the obligations of the Servicing Administrator, under the Sections of the Flow Servicing
Agreement, as amended by this Assignment, listed below:

 

			Flow Servicing Agreement:

 

	Section	
        Matter 

	 	 
	
        Clause (i) of the
last paragraph of

 Section 11.13 
	Payment by Servicing Administrator for Opinion of Counsel
	 	 
	Last sentence of 11.14, with respect to Servicing Advances only	Payment of Servicing Advances to Servicer

 

    	3

    	 

    

 

	
        11.17
	
        P&I Advances

        

	 	 
	
        11.25(b)

         

        

        
	
        Funding of P&
I Advances, including without limitation funding of Prepayment Interest Shortfalls pursuant to the second paragraph of Section
11.15

        

	 	 
	11.25(c)	Funding of Servicing Advances
	 	 
	14.03	Payment of termination fees to Servicer

 

As compensation for
such assumption of obligations, the Servicing Administrator shall be entitled to receive from payments on the Specified Mortgage
Loans the difference, if any, between the Servicing Fee and the servicing compensation otherwise payable to the Servicer under
the Flow Servicing Agreement. In addition, the Servicing Administrator shall have all the benefits provided to the Servicing Administrator
by Subsection 11.05 of the Flow Servicing Agreement. Any failure of the Servicing Administrator to perform its obligations under
this Section 3(e) shall be an additional Event of Default under the Flow Servicing Agreement, entitling the Assignee to terminate
both the Servicing Administrator and the Servicer in accordance with the terms of the Flow Servicing Agreement.

 

(f)The Servicing
Administrator may, with the consent of the Master Servicer, exercise the rights of the Owner set forth in Section 13.01 of the
Flow Servicing Agreement to terminate the Servicer following the occurrence of an Event of Default with respect to the Servicer.

 

(g)The Servicing
Administrator may, with the consent of the Master Servicer, exercise the rights of the Owner set forth in Section 14.03 of the
Flow Servicing Agreement to terminate the Servicer without cause and transfer servicing.

 

(h)If the Servicing
Administrator exercises its right to terminate the Servicer pursuant to the foregoing paragraphs (f) or (g), no termination of
the Servicer shall be effective unless the Servicing Administrator shall have appointed a successor Servicer under the Flow Servicing
Agreement approved by the Master Servicer.

 

(i)No later than
March 1 of each year when any Certificates are outstanding, commencing in March 2013, the Servicing Administrator shall provide
to the Master Servicer its report on assessment of compliance with applicable servicing criteria specified under Item 1122(d)((2)(iii)
of Regulation AB and its compliance statement required under Item 1123 of Regulation AB.

 

		4.	Amendment to the Flow Servicing Agreement.

 

The Flow Servicing
Agreement is hereby amended as set forth in Appendix A hereto with respect to the Specified Mortgage Loans. The rights and
obligations under the Flow Servicing 

 

    	4

    	 

    

 

Agreement assigned to the Depositor and the Assignee pursuant to this Agreement shall be under
the Flow Servicing Agreement
as amended as set forth in Appendix A.

 

		5.	Representations and Warranties.

 

(a)Each
of the parties hereto represents and warrants that it is duly and legally authorized to enter into this Assignment.

 

(b)Each
of the parties hereto represents and warrants that this Assignment has been duly authorized, executed and delivered by it and
(assuming due authorization, execution and delivery thereof by each of the other parties hereto) constitutes its legal, valid
and binding obligation, enforceable against it in accordance with its terms, except as such enforcement may be limited by bankruptcy,
insolvency, reorganization or other similar laws affecting the enforcement of creditors’ rights generally and by general
equitable principles (regardless of whether such enforcement is considered in a proceeding in equity or at law).

 

		6.	Continuing Effect.

 

Except as contemplated
hereby, the Flow Servicing Agreement shall remain in full force and effect in accordance with their terms. This Assignment constitutes
a Reconstitution Agreement as contemplated in Section 32 of the Flow Servicing Agreement and the Reconstitution Date shall be the
date hereof with respect to the Specified Mortgage Loans listed on Exhibit I on the date hereof.

 

		7.	Governing Law.

 

This Assignment and
the rights and obligations hereunder shall be governed by and construed in accordance with the internal laws of the State of New
York.

 

		8.	Notices.

 

Any notices or other
communications permitted or required under the Flow Servicing Agreement to be made to the Assignor and Assignee shall be made in
accordance with the terms of the Flow Servicing Agreement and shall be sent to the Assignor and Assignee as follows:

 

Assignor: Redwood
Residential Acquisition Corporation

One Belvedere
Place, Suite 360

Mill Valley, CA
94941

Attention: William
Moliski

 

Assignee: U.S.
Bank National Association

60 Livingston Avenue

EP-MN-WS3D

St. Paul, Minnesota, 55107

Attention: Structured
Finance – Sequoia Mortgage Loan Trust 2012-2

 

    	5

    	 

    

 

or to such other address
as may hereafter be furnished by the Assignor or Assignee to the other parties in accordance with the provisions of the Flow Servicing
Agreement.

 

		9.	Counterparts.

 

This Assignment may
be executed in counterparts, each of which when so executed shall be deemed to be an original and all of which when taken together
shall constitute one and the same instrument.

 

		10.	Definitions.

 

Any capitalized term
used but not defined in this Assignment has the same meaning as in the Flow Servicing Agreement.

 

		11.	Master Servicer.

 

The Servicer hereby
acknowledges that Wells Fargo Bank, N.A. (the “Master Servicer”) will act as master servicer and securities administrator
under the Pooling and Servicing Agreement and hereby agrees to treat all inquiries, instructions, authorizations and other communications
from the Master Servicer as if the same had been received from the Assignee. The Master Servicer, acting on behalf of the Assignee,
shall have the rights of the Assignee as the Owner under the Flow Servicing Agreement, including, without limitation, the right
to enforce the obligations of the Servicer and the Servicing Administrator thereunder. Any notices or other communications permitted
or required under the Flow Servicing Agreement to be made to the Assignee shall be made in accordance with the terms of the Flow
Servicing Agreement and shall be sent to the Master Servicer at the following address:

 

Wells Fargo Bank, N. A.

P.O. Box 98

Columbia, Maryland 21046

(or, for overnight deliveries, 9062 Old
Annapolis Road, Columbia, Maryland 21045)

Attention: Sequoia Mortgage Trust 2012-2

 

or to such other address
as may hereafter be furnished by the Master Servicer to Servicer. Any such notices or other communications permitted or required
under the Flow Servicing Agreement may be delivered in electronic format unless manual signature is required in which case a hard
copy of such report or communication shall be required.

 

The Servicer shall
make all distributions under the Flow Servicing Agreement, as they relate to the Specified Mortgage Loans, to the Master Servicer
by wire transfer of immediately funds to:

 

Wells Fargo Bank, N.A.

San Francisco, California

ABA# 121-000-248

Account #3970771416

Account Name: SAS Clearing

FFC: Account #6188200, Sequoia Mortgage Trust
2012-2 

Distribution Account

 

    	6

    	 

    

 

		12.	Rule 17g-5 Compliance.

 

The Servicer hereby
agrees that it shall provide information with respect to the servicing of the Mortgage Loans by the Servicer requested by any Rating
Agency or nationally recognized statistical rating organization (“NRSRO”) to the Securities Administrator, as the initial
Rule 17g-5 Information Provider (the “Rule 17g-5 Information Provider”), via electronic mail at rmbs17g5informationprovider@wellsfargo.com,
with a subject reference of “SEMT 2012-2” and an identification of the type of information being provided in the body
of such electronic mail. The Rule 17g-5 Information Provider shall notify the Servicer in writing of any change in the identity
or contact information of the Rule 17g-5 Information Provider. The Servicer shall have no liability for (i) the Rule 17g-5 Information
Provider’s failure to post information provided by it in accordance with the terms of this Assignment or (ii) any malfunction
or disabling of the website maintained by the Rule 17g-5 Information Provider. None of the foregoing restrictions in this Section
12 prohibit or restrict oral or written communications, or providing information, between the Servicer, on the one hand, and any
Rating Agency or NRSRO, on the other hand, with regard to (i) such Rating Agency’s or NRSRO’s review of the ratings
it assigns to the Servicer, (ii) such Rating Agency’s or NRSRO’s approval of the Servicer as a residential mortgage
master, special or primary servicer, or (iii) such Rating Agency’s or NRSRO’s evaluation of the Servicer’s servicing
operations in general; provided, however, that the Servicer shall not provide any information relating to the Mortgage Loans
to such Rating Agency or NRSRO in connection with such review and evaluation by such Rating Agency or NRSRO unless: (x) borrower,
property or deal specific identifiers are redacted; or (y) such information has already been provided to the Rule 17g-5 Information
Provider.

 

		13.	Successors and Assigns.

  

Upon a transfer of
the Specified Mortgage Loans by the Assignee (other than in respect of repurchases by a seller pursuant to the related purchase
agreement) to a buyer (“buyer”), such transfer shall constitute a Reconstitution subject to the terms of Section 32
of the Flow Servicing Agreement. Upon the closing of such transfer, the rights and obligations of Owner held by the Assignor pursuant
to this Assignment shall automatically terminate and the buyer shall possess all of the rights and obligations of Owner under the
Flow Servicing Agreement, provided, however, that the Assignor shall remain liable for any obligations held by it as Owner
arising from or attributable to the period from the date hereof to the closing date of such transfer.

 

 

[remainder of
page intentionally left blank]

 

    	7

    	 

    

 

IN WITNESS WHEREOF, the parties hereto have
executed this Assignment the day and year first above written.

 

 

 

ASSIGNOR:

REDWOOD RESIDENTIAL ACQUISITION 

CORPORATION

 

By:/s/ William Moliski                    

Name: William Moliski                    

Title: Authorized
Officer                      

 

 

DEPOSITOR:

SEQUOIA RESIDENTIAL FUNDING, INC.

 

By: /s/ William Moliski                     

Name:
William Moliski                     

Title: Authorized Officer                        

 

 

ASSIGNEE:

U.S. BANK NATIONAL ASSOCIATION, not in its 

individual
capacity but solely as Trustee,

 

By: /s/ John L. Linssen                           

Name: John L. Linssen                           

Title: Vice President                                

 

 

SERVICER:

CENLAR FSB

 

By: /s/ Gregory S. Tornquist                   

Name: Gregory S. Tornquist                   

Title: CEO /
President                               

 

 

    	8

    	 

    

 

 

 

ASSIGNOR:

REDWOOD RESIDENTIAL ACQUISITION 

CORPORATION

 

By:/s/ William Moliski                     

Name: William Moliski                     

Title: Authorized Officer                          

 

 

 

Accepted and agreed to by:

 

MASTER SERVICER:

WELLS FARGO BANK, N.A.

 

By: /s/ Graham M. Oglesby                                                                

Name: Graham M. Oglesby                                                           

Title: Vice
President                                                             

 

 

    	9

    	 

    

 

EXHIBIT I

 

    	I-1

    	 

    

 

	KEY	Primary Servicer	Servicing Fee %	Servicing Fee—Flatdollar	Servicing Advance Methodology	Originator	Loan Group	Loan Number	Servicer Loan Number	Cenlar Loan Number	Amortization Type	Lien Position
	1	1000383	0.0025	 	 	1000324	1	1030002488	1611451573	0036709772	1	1
	2	1000383	0.0025	 	 	1000324	1	1030002313	1351118506	0036709426	1	1
	3	1000383	0.0025	 	 	1000324	1	1030002379	1611451632	0036709434	1	1
	4	1000383	0.0025	 	 	1000324	1	1030002433	1351119067	0036709996	1	1
	5	1000383	0.0025	 	 	1000324	1	1030002544	1351200452	0036709780	1	1
	6	1000383	0.0025	 	 	1000324	1	1030002479	1311122189	0036710283	1	1
	7	1000383	0.0025	 	 	1001863	1	1000001421	232279	0036708592	1	1
	8	1000383	0.0025	 	 	1001863	1	1000001886	227753	0036708899	1	1
	9	1000383	0.0025	 	 	1001863	1	1000001245	226933	0036708584	1	1
	10	1000383	0.0025	 	 	1001863	1	1000002088	237292	0036709152	1	1
	11	1000383	0.0025	 	 	1001863	1	1000001587	233664	0036709145	1	1
	12	1000383	0.0025	 	 	1001863	1	1000002318	239762	0036709566	1	1
	13	1000383	0.0025	 	 	1000312	1	1300001674	001084473	0036708576	1	1
	14	1000383	0.0025	 	 	1000312	1	1300002028	001082322	0036708774	1	1
	15	1000383	0.0025	 	 	1000312	1	1300002009	001090231	0036709095	1	1
	16	1000383	0.0025	 	 	1000312	1	1300002025	001087591	0036709509	1	1
	17	1000383	0.0025	 	 	1000312	1	1300002034	001081869	0036709442	1	1
	18	1000383	0.0025	 	 	1000312	1	1300002148	001088405	0036709517	1	1
	19	1000383	0.0025	 	 	1000312	1	1300002184	001089152	0036709525	1	1
	20	1000383	0.0025	 	 	1000312	1	1300002199	001091165	0036709459	1	1
	21	1000383	0.0025	 	 	1000312	1	1300001922	001080300	0036710077	1	1
	22	1000383	0.0025	 	 	1000312	1	1300002261	001093643	0036710291	1	1
	23	1000383	0.0025	 	 	1000312	1	1300002279	001093553	0036710473	1	1
	24	1000383	0.0025	 	 	1002793	1	1010002436	000039361	0036709657	1	1
	25	1000383	0.0025	 	 	1002793	1	1010002491	000039856	0036709665	1	1
	26	1000383	0.0025	 	 	1006318	1	1450002527	1110035236	0036709707	1	1
	27	1000383	0.0025	 	 	1006324	1	1950001996	70110507	0036708246	1	1
	28	1000383	0.0025	 	 	1006324	1	1950002102	91110031	0036709863	1	1
	29	1000383	0.0025	 	 	1006324	1	1950002275	70110582	0036709715	1	1
	30	1000383	0.0025	 	 	1008808	1	1650001969	6012494	0036709871	1	1
	31	1000383	0.0025	 	 	1008808	1	1650002006	1007966	0036709293	1	1
	32	1000383	0.0025	 	 	1008808	1	1650002074	1007925	0036709723	1	1
	33	1000383	0.0025	 	 	1008808	1	1650002204	6013620	0036710093	1	1
	34	1000383	0.0025	 	 	1008808	1	1650002273	6013897	0036710234	1	1
	35	1000383	0.0025	 	 	1008808	1	1650002405	6014544	0036710259	1	1
	36	1000383	0.0025	 	 	1008808	1	1650002411	6014673	0036710267	1	1
	37	1000383	0.0025	 	 	1008808	1	1650002211	6013502	0036710341	1	1
	38	1000383	0.0025	 	 	1008808	1	1650002427	6014781	0036710366	1	1
	39	1000383	0.0025	 	 	1000522	1	1700001422	1301369272	0036707453	1	1
	40	1000383	0.0025	 	 	1003970	1	1400002190	2011001860	0036708782	1	1
	41	1000383	0.0025	 	 	1003970	1	1400002220	2011002119	0036709467	1	1
	42	1000383	0.0025	 	 	1003970	1	1400002230	2011002010	0036710085	1	1
	43	1000383	0.0025	 	 	1008498	1	1150002123	503362479	0036708832	1	1
	44	1000383	0.0025	 	 	1008498	1	1150002114	503362194	0036708659	1	1
	45	1000383	0.0025	 	 	1008498	1	1150001936	503345118	0036708642	1	1
	46	1000383	0.0025	 	 	1008498	1	1150001928	503344292	0036708915	1	1
	47	1000383	0.0025	 	 	1008498	1	1150002241	503343753	0036708840	1	1
	48	1000383	0.0025	 	 	1008498	1	1150001732	503322717	0036708808	1	1
	49	1000383	0.0025	 	 	1008498	1	1150001682	503319315	0036708493	1	1
	50	1000383	0.0025	 	 	1008498	1	1150001562	503307796	0036708634	1	1
	51	1000383	0.0025	 	 	1008498	1	1150001852	503305584	0036708816	1	1
	52	1000383	0.0025	 	 	1008498	1	1150001494	503292935	0036708626	1	1
	53	1000383	0.0025	 	 	1008498	1	1150001492	503292699	0036708907	1	1
	54	1000383	0.0025	 	 	1008498	1	1150002001	503254335	0036708824	1	1
	55	1000383	0.0025	 	 	1008498	1	1150002224	503371725	0036709137	1	1
	56	1000383	0.0025	 	 	1008498	1	1150002132	503362677	0036708980	1	1
	57	1000383	0.0025	 	 	1008498	1	1150001952	503346885	0036708972	1	1
	58	1000383	0.0025	 	 	1008498	1	1150001924	503343785	0036708964	1	1
	59	1000383	0.0025	 	 	1008498	1	1150001851	503336585	0036709129	1	1
	60	1000383	0.0025	 	 	1008498	1	1150002150	503327587	0036708998	1	1
	61	1000383	0.0025	 	 	1008498	1	1150001483	503302123	0036708956	1	1
	62	1000383	0.0025	 	 	1008498	1	1150001523	503291083	0036709111	1	1
	63	1000383	0.0025	 	 	1008498	1	1150001563	503307941	0036709475	1	1
	64	1000383	0.0025	 	 	1008498	1	1150001926	503344106	0036709491	1	1
	65	1000383	0.0025	 	 	1008498	1	1150001863	503336896	0036709269	1	1
	66	1000383	0.0025	 	 	1008498	1	1150002252	503342050	0036709822	1	1
	67	1000383	0.0025	 	 	1008498	1	1150001844	503332529	0036709681	1	1
	68	1000383	0.0025	 	 	1008498	1	1150002283	503377740	0036709285	1	1
	69	1000383	0.0025	 	 	1008498	1	1150002353	503384952	0036709848	1	1
	70	1000383	0.0025	 	 	1008498	1	1150002336	503382633	0036709699	1	1
	71	1000383	0.0025	 	 	1008498	1	1150001743	503323811	0036709483	1	1
	72	1000383	0.0025	 	 	1008498	1	1150002342	503383762	0036709830	1	1
	73	1000383	0.0025	 	 	1008498	1	1150002699	503369060	0036710069	1	1
	74	1000383	0.0025	 	 	1008498	1	1150002269	503375379	0036710036	1	1
	75	1000383	0.0025	 	 	1008498	1	1150002325	503381961	0036710218	1	1
	76	1000383	0.0025	 	 	1008498	1	1150002496	503401658	0036710044	1	1
	77	1000383	0.0025	 	 	1008498	1	1150002580	503410735	0036710051	1	1
	78	1000383	0.0025	 	 	1000536	1	1050001983	6016600345	0036708436	1	1
	79	1000383	0.0025	 	 	1000536	1	1050001576	3727600141	0036707990	1	1
	80	1000383	0.0025	 	 	1000536	1	1050001442	3726600151	0036707982	1	1
	81	1000383	0.0025	 	 	1000536	1	1050001206	3706601408	0036707529	1	1
	82	1000383	0.0025	 	 	1000536	1	1050001365	2278600044	0036708147	1	1
	83	1000383	0.0025	 	 	1000536	1	1050001564	2198600423	0036708329	1	1
	84	1000383	0.0025	 	 	1000536	1	1050001285	2168600373	0036707628	1	1
	85	1000383	0.0025	 	 	1000536	1	1050001739	2154601255	0036708402	1	1
	86	1000383	0.0025	 	 	1000536	1	1050001224	2154601171	0036707602	1	1
	87	1000383	0.0025	 	 	1000536	1	1050001175	2126600745	0036707784	1	1
	88	1000383	0.0025	 	 	1000536	1	1050001210	2119700942	0036707594	1	1
	89	1000383	0.0025	 	 	1000536	1	1050001219	2117601343	0036707537	1	1
	90	1000383	0.0025	 	 	1000536	1	1050001575	2109701736	0036707818	1	1
	91	1000383	0.0025	 	 	1000536	1	1050001297	2108600298	0036707909	1	1
	92	1000383	0.0025	 	 	1000536	1	1050001664	2105600368	0036707651	1	1
	93	1000383	0.0025	 	 	1000536	1	1050001414	20831100168	0036708048	1	1
	94	1000383	0.0025	 	 	1000536	1	1050001909	2071603885	0036708220	1	1
	95	1000383	0.0025	 	 	1000536	1	1050001306	2071603646	0036707883	1	1
	96	1000383	0.0025	 	 	1000536	1	1050001149	20631100461	0036708295	1	1
	97	1000383	0.0025	 	 	1000536	1	1050001792	2054603302	0036707875	1	1
	98	1000383	0.0025	 	 	1000536	1	1050001320	2003602409	0036708212	1	1
	99	1000383	0.0025	 	 	1000536	1	1050001333	2001708797	0036707776	1	1
	100	1000383	0.0025	 	 	1000536	1	1050001083	7102600399	0036708667	1	1
	101	1000383	0.0025	 	 	1000536	1	1050001049	3725600020	0036708923	1	1
	102	1000383	0.0025	 	 	1000536	1	1050001360	3657600991	0036708683	1	1
	103	1000383	0.0025	 	 	1000536	1	1050001913	3612601245	0036708758	1	1
	104	1000383	0.0025	 	 	1000536	1	1050001188	3602601428	0036708675	1	1
	105	1000383	0.0025	 	 	1000536	1	1050001763	2249600153	0036708733	1	1
	106	1000383	0.0025	 	 	1000536	1	1050001848	2155600775	0036708741	1	1
	107	1000383	0.0025	 	 	1000536	1	1050001453	2138601811	0036708501	1	1
	108	1000383	0.0025	 	 	1000536	1	1050001858	2128601182	0036708535	1	1
	109	1000383	0.0025	 	 	1000536	1	1050002067	2071603649	0036708766	1	1
	110	1000383	0.0025	 	 	1000536	1	1050001814	2045701091	0036708527	1	1
	111	1000383	0.0025	 	 	1000536	1	1050001836	2003602466	0036708428	1	1
	112	1000383	0.0025	 	 	1000536	1	1050001323	2003602370	0036708857	1	1
	113	1000383	0.0025	 	 	1000536	1	1050002326	6026600025	0036709236	1	1
	114	1000383	0.0025	 	 	1000536	1	1050002201	6014600647	0036709038	1	1
	115	1000383	0.0025	 	 	1000536	1	1050002301	3726600435	0036709079	1	1
	116	1000383	0.0025	 	 	1000536	1	1050001051	3726600127	0036709004	1	1
	117	1000383	0.0025	 	 	1000536	1	1050002357	37221100144	0036709244	1	1
	118	1000383	0.0025	 	 	1000536	1	1050002249	3602601517	0036709228	1	1
	119	1000383	0.0025	 	 	1000536	1	1050001753	21491100150	0036709160	1	1
	120	1000383	0.0025	 	 	1000536	1	1050002216	2073604170	0036709210	1	1
	121	1000383	0.0025	 	 	1000536	1	1050002146	20631100660	0036709202	1	1
	122	1000383	0.0025	 	 	1000536	1	1050002207	2045701157	0036709053	1	1
	123	1000383	0.0025	 	 	1000536	1	1050002229	2044602338	0036709061	1	1
	124	1000383	0.0025	 	 	1000536	1	1050001594	2032602330	0036709020	1	1
	125	1000383	0.0025	 	 	1000536	1	1050002017	20031100019	0036709186	1	1
	126	1000383	0.0025	 	 	1000536	1	1050002215	3627601329	0036709368	1	1
	127	1000383	0.0025	 	 	1000536	1	1050002149	20031100003	0036709632	1	1
	128	1000383	0.0025	 	 	1000536	1	1050002429	7102600293	0036709954	1	1
	129	1000383	0.0025	 	 	1000536	1	1050002130	22891100097	0036709327	1	1
	130	1000383	0.0025	 	 	1000536	1	1050002502	30521100215	0036709970	1	1
	131	1000383	0.0025	 	 	1000536	1	1050002181	21981100106	0036709335	1	1
	132	1000383	0.0025	 	 	1000536	1	1050002307	2117601361	0036709640	1	1
	133	1000383	0.0025	 	 	1000536	1	1050002426	2123700740	0036709756	1	1
	134	1000383	0.0025	 	 	1000536	1	1050002246	2083601246	0036709384	1	1
	135	1000383	0.0025	 	 	1000536	1	1050002172	21491100173	0036709897	1	1
	136	1000383	0.0025	 	 	1000536	1	1050002235	2139600105	0036709905	1	1
	137	1000383	0.0025	 	 	1000536	1	1050002505	2244701531	0036709764	1	1
	138	1000383	0.0025	 	 	1000536	1	1050002303	3612601309	0036709418	1	1
	139	1000383	0.0025	 	 	1000536	1	1050002247	2278600192	0036709392	1	1
	140	1000383	0.0025	 	 	1000536	1	1050002374	2244701508	0036709921	1	1
	141	1000383	0.0025	 	 	1000536	1	1050002265	22821100077	0036709400	1	1
	142	1000383	0.0025	 	 	1000536	1	1050002192	22831100066	0036709343	1	1
	143	1000383	0.0025	 	 	1000536	1	1050002395	2047601344	0036709939	1	1
	144	1000383	0.0025	 	 	1000536	1	1050002398	3731600189	0036709947	1	1
	145	1000383	0.0025	 	 	1000536	1	1050002443	3731600118	0036709962	1	1
	146	1000383	0.0025	 	 	1000536	1	1050001020	3650602104	0036709574	1	1
	147	1000383	0.0025	 	 	1000536	1	1050001300	2108600299	0036709889	1	1
	148	1000383	0.0025	 	 	1000536	1	1050001404	20631100582	0036709590	1	1
	149	1000383	0.0025	 	 	1000536	1	1050002090	3706601797	0036709319	1	1
	150	1000383	0.0025	 	 	1000536	1	1050002193	3735600107	0036709350	1	1
	151	1000383	0.0025	 	 	1000536	1	1050002327	23041100085	0036709913	1	1
	152	1000383	0.0025	 	 	1000536	1	1050002396	20011100295	0036710135	1	1
	153	1000383	0.0025	 	 	1000536	1	1050002612	2017605256	0036710192	1	1
	154	1000383	0.0025	 	 	1000536	1	1050002453	2138602702	0036710028	1	1
	155	1000383	0.0025	 	 	1000536	1	1050001462	22051100051	0036710101	1	1
	156	1000383	0.0025	 	 	1000536	1	1050002477	22051100324	0036710150	1	1
	157	1000383	0.0025	 	 	1000536	1	1050002549	23041100132	0036710176	1	1
	158	1000383	0.0025	 	 	1000536	1	1050002484	3612601262	0036710168	1	1
	159	1000383	0.0025	 	 	1000536	1	1050002646	2003602082	0036710390	1	1
	160	1000383	0.0025	 	 	1000536	1	1050002196	2238600298	0036710382	1	1
	161	1000383	0.0025	 	 	1000536	1	1050001751	20631100666	0036708725	1	1

 

	KEY	HELOC Indicator	Loan Purpose	Cash Out Amount	Total Origination and Discount Points	Covered/High Cost Loan Indicator	Relocation Loan Indicator	Broker Indicator	Channel	Escrow Indicator	Senior Loan
 Amount(s)
	1	0	9	 	 	 	 	 	1	4	0
	2	0	9	 	 	 	 	 	2	4	0
	3	0	9	 	 	 	 	 	1	4	0
	4	0	9	 	 	 	 	 	2	4	0
	5	0	9	 	 	 	 	 	2	4	0
	6	0	9	 	 	 	 	 	1	4	0
	7	0	9	 	 	 	 	 	1	4	0
	8	0	7	 	 	 	 	 	1	4	0
	9	0	9	 	 	 	 	 	1	4	0
	10	0	7	 	 	 	 	 	1	4	0
	11	0	9	 	 	 	 	 	1	4	0
	12	0	7	 	 	 	 	 	1	4	0
	13	0	9	 	 	 	 	 	1	4	0
	14	0	7	 	 	 	 	 	1	4	0
	15	0	7	 	 	 	 	 	1	0	0
	16	0	9	 	 	 	 	 	1	4	0
	17	0	9	 	 	 	 	 	1	4	0
	18	0	9	 	 	 	 	 	1	4	0
	19	0	9	 	 	 	 	 	1	0	0
	20	0	9	 	 	 	 	 	1	0	0
	21	0	9	 	 	 	 	 	1	0	0
	22	0	9	 	 	 	 	 	1	0	0
	23	0	9	 	 	 	 	 	1	4	0
	24	0	9	 	 	 	 	 	1	4	0
	25	0	6	 	 	 	 	 	1	4	0
	26	0	7	 	 	 	 	 	1	4	0
	27	0	7	 	 	 	 	 	1	4	0
	28	0	3	 	 	 	 	 	1	4	0
	29	0	9	 	 	 	 	 	1	0	0
	30	0	9	 	 	 	 	 	2	0	0
	31	0	9	 	 	 	 	 	1	4	0
	32	0	9	 	 	 	 	 	1	0	0
	33	0	9	 	 	 	 	 	2	0	0
	34	0	9	 	 	 	 	 	2	0	0
	35	0	9	 	 	 	 	 	2	0	0
	36	0	9	 	 	 	 	 	2	0	0
	37	0	7	 	 	 	 	 	2	0	0
	38	0	9	 	 	 	 	 	2	0	0
	39	0	7	 	 	 	 	 	1	4	0
	40	0	9	 	 	 	 	 	1	4	0
	41	0	9	 	 	 	 	 	1	4	0
	42	0	9	 	 	 	 	 	1	0	0
	43	0	7	 	 	 	 	 	2	4	0
	44	0	7	 	 	 	 	 	2	4	0
	45	0	9	 	 	 	 	 	4	4	0
	46	0	9	 	 	 	 	 	4	0	0
	47	0	3	 	 	 	 	 	4	0	0
	48	0	9	 	 	 	 	 	4	0	0
	49	0	9	 	 	 	 	 	2	0	0
	50	0	9	 	 	 	 	 	4	0	0
	51	0	9	 	 	 	 	 	4	0	0
	52	0	9	 	 	 	 	 	4	0	0
	53	0	3	 	 	 	 	 	2	0	0
	54	0	7	 	 	 	 	 	4	4	0
	55	0	7	 	 	 	 	 	4	0	0
	56	0	7	 	 	 	 	 	4	0	0
	57	0	9	 	 	 	 	 	2	0	0
	58	0	9	 	 	 	 	 	4	0	0
	59	0	7	 	 	 	 	 	2	4	0
	60	0	9	 	 	 	 	 	2	4	0
	61	0	7	 	 	 	 	 	2	4	0
	62	0	3	 	 	 	 	 	1	4	0
	63	0	9	 	 	 	 	 	2	4	0
	64	0	9	 	 	 	 	 	4	4	0
	65	0	7	 	 	 	 	 	2	4	0
	66	0	9	 	 	 	 	 	4	4	0
	67	0	3	 	 	 	 	 	4	4	0
	68	0	7	 	 	 	 	 	2	0	0
	69	0	9	 	 	 	 	 	4	4	0
	70	0	7	 	 	 	 	 	2	4	0
	71	0	9	 	 	 	 	 	2	0	0
	72	0	9	 	 	 	 	 	4	0	0
	73	0	3	 	 	 	 	 	4	4	0
	74	0	3	 	 	 	 	 	4	4	0
	75	0	7	 	 	 	 	 	4	4	0
	76	0	9	 	 	 	 	 	4	0	0
	77	0	3	 	 	 	 	 	4	0	0
	78	0	7	 	 	 	 	 	1	0	0
	79	0	7	 	 	 	 	 	1	0	0
	80	0	9	 	 	 	 	 	1	0	0
	81	0	9	 	 	 	 	 	1	0	0
	82	0	9	 	 	 	 	 	1	0	0
	83	0	7	 	 	 	 	 	1	0	0
	84	0	9	 	 	 	 	 	1	4	0
	85	0	9	 	 	 	 	 	1	4	0
	86	0	3	 	 	 	 	 	1	4	0
	87	0	7	 	 	 	 	 	1	0	0
	88	0	9	 	 	 	 	 	1	4	0
	89	0	9	 	 	 	 	 	1	4	0
	90	0	9	 	 	 	 	 	1	4	0
	91	0	9	 	 	 	 	 	1	4	0
	92	0	7	 	 	 	 	 	1	0	0
	93	0	7	 	 	 	 	 	1	4	0
	94	0	7	 	 	 	 	 	1	0	0
	95	0	7	 	 	 	 	 	1	4	0
	96	0	9	 	 	 	 	 	1	4	0
	97	0	7	 	 	 	 	 	1	4	0
	98	0	9	 	 	 	 	 	1	0	0
	99	0	9	 	 	 	 	 	1	0	0
	100	0	7	 	 	 	 	 	1	0	0
	101	0	6	 	 	 	 	 	1	4	0
	102	0	9	 	 	 	 	 	1	4	0
	103	0	9	 	 	 	 	 	1	0	0
	104	0	3	 	 	 	 	 	1	0	0
	105	0	3	 	 	 	 	 	1	0	0
	106	0	6	 	 	 	 	 	1	4	0
	107	0	3	 	 	 	 	 	1	4	0
	108	0	7	 	 	 	 	 	1	4	0
	109	0	7	 	 	 	 	 	1	4	0
	110	0	7	 	 	 	 	 	1	0	0
	111	0	6	 	 	 	 	 	1	0	0
	112	0	9	 	 	 	 	 	1	0	0
	113	0	7	 	 	 	 	 	1	0	0
	114	0	9	 	 	 	 	 	1	0	0
	115	0	9	 	 	 	 	 	1	4	0
	116	0	9	 	 	 	 	 	1	4	0
	117	0	9	 	 	 	 	 	1	0	0
	118	0	9	 	 	 	 	 	1	0	0
	119	0	9	 	 	 	 	 	1	4	0
	120	0	3	 	 	 	 	 	1	0	0
	121	0	9	 	 	 	 	 	1	0	0
	122	0	7	 	 	 	 	 	1	0	0
	123	0	9	 	 	 	 	 	1	4	0
	124	0	9	 	 	 	 	 	1	0	0
	125	0	9	 	 	 	 	 	1	0	0
	126	0	9	 	 	 	 	 	1	0	0
	127	0	9	 	 	 	 	 	1	0	0
	128	0	7	 	 	 	 	 	1	4	0
	129	0	7	 	 	 	 	 	1	0	0
	130	0	9	 	 	 	 	 	1	0	0
	131	0	9	 	 	 	 	 	1	0	0
	132	0	9	 	 	 	 	 	1	0	0
	133	0	9	 	 	 	 	 	1	4	0
	134	0	7	 	 	 	 	 	1	0	0
	135	0	9	 	 	 	 	 	1	0	0
	136	0	9	 	 	 	 	 	1	4	0
	137	0	7	 	 	 	 	 	1	4	0
	138	0	7	 	 	 	 	 	1	0	0
	139	0	7	 	 	 	 	 	1	4	0
	140	0	7	 	 	 	 	 	1	4	0
	141	0	9	 	 	 	 	 	1	4	0
	142	0	9	 	 	 	 	 	1	0	0
	143	0	7	 	 	 	 	 	1	0	0
	144	0	9	 	 	 	 	 	1	0	0
	145	0	9	 	 	 	 	 	1	0	0
	146	0	9	 	 	 	 	 	1	0	0
	147	0	9	 	 	 	 	 	1	4	0
	148	0	9	 	 	 	 	 	1	0	0
	149	0	9	 	 	 	 	 	1	4	0
	150	0	6	 	 	 	 	 	1	4	0
	151	0	7	 	 	 	 	 	1	4	0
	152	0	9	 	 	 	 	 	1	4	0
	153	0	9	 	 	 	 	 	1	4	0
	154	0	9	 	 	 	 	 	1	0	0
	155	0	9	 	 	 	 	 	1	4	0
	156	0	7	 	 	 	 	 	1	4	0
	157	0	7	 	 	 	 	 	1	4	0
	158	0	9	 	 	 	 	 	1	0	0
	159	0	9	 	 	 	 	 	1	0	0
	160	0	9	 	 	 	 	 	1	4	0
	161	0	9	 	 	 	 	 	1	0	0

 

	KEY	Loan Type of Most
 Senior Lien	Hybrid Period of
 Most Senior Lien (in
 months)	Neg Am Limit of
 Most Senior Lien	Junior Mortgage
 Balance	Origination Date of
 Most Senior Lien	Origination Date	Original Loan
 Amount	Original Interest
 Rate	Original
 Amortization Term	Original Term to
 Maturity
	1	 	 	 	300,000.00	 	20120124	731,000.00	0.0488	360	360
	2	 	 	 	0.00	 	20120105	698,000.00	0.0450	360	360
	3	 	 	 	0.00	 	20120107	560,000.00	0.0500	360	360
	4	 	 	 	0.00	 	20120126	875,000.00	0.0475	360	360
	5	 	 	 	0.00	 	20120131	810,000.00	0.0488	360	360
	6	 	 	 	0.00	 	20120211	640,000.00	0.0450	360	360
	7	 	 	 	0.00	 	20111108	472,000.00	0.0488	360	360
	8	 	 	 	0.00	 	20111118	1,000,000.00	0.0488	360	360
	9	 	 	 	0.00	 	20111020	1,350,000.00	0.0488	360	360
	10	 	 	 	0.00	 	20111208	592,000.00	0.0450	360	360
	11	 	 	 	61,800.00	 	20111115	680,000.00	0.0488	360	360
	12	 	 	 	0.00	 	20111227	975,000.00	0.0450	360	360
	13	 	 	 	0.00	 	20111110	543,750.00	0.0475	360	360
	14	 	 	 	0.00	 	20111118	975,000.00	0.0463	360	360
	15	 	 	 	0.00	 	20111202	562,500.00	0.0500	360	360
	16	 	 	 	0.00	 	20111213	487,500.00	0.0475	360	360
	17	 	 	 	0.00	 	20111122	941,250.00	0.0488	360	360
	18	 	 	 	35,000.00	 	20111222	525,000.00	0.0488	360	360
	19	 	 	 	0.00	 	20111223	708,500.00	0.0450	360	360
	20	 	 	 	0.00	 	20111221	751,000.00	0.0500	360	360
	21	 	 	 	0.00	 	20111117	1,275,000.00	0.0500	360	360
	22	 	 	 	0.00	 	20120120	550,000.00	0.0488	360	360
	23	 	 	 	0.00	 	20120125	562,500.00	0.0475	360	360
	24	 	 	 	0.00	 	20120113	467,500.00	0.0450	360	360
	25	 	 	 	0.00	 	20120111	572,000.00	0.0463	360	360
	26	 	 	 	0.00	 	20120123	888,000.00	0.0413	360	360
	27	 	 	 	0.00	 	20111109	525,600.00	0.0513	360	360
	28	 	 	 	0.00	 	20120124	1,500,000.00	0.0450	360	360
	29	 	 	 	0.00	 	20120117	736,500.00	0.0475	360	360
	30	 	 	 	0.00	 	20111227	1,250,000.00	0.0525	360	360
	31	 	 	 	0.00	 	20111222	1,330,000.00	0.0488	360	360
	32	 	 	 	0.00	 	20111229	487,500.00	0.0488	360	360
	33	 	 	 	22,239.00	 	20111228	650,000.00	0.0488	360	360
	34	 	 	 	0.00	 	20111227	982,700.00	0.0463	360	360
	35	 	 	 	0.00	 	20120130	982,000.00	0.0475	360	360
	36	 	 	 	0.00	 	20120125	712,500.00	0.0463	360	360
	37	 	 	 	0.00	 	20111215	823,250.00	0.0488	360	360
	38	 	 	 	0.00	 	20120208	825,000.00	0.0463	360	360
	39	 	 	 	0.00	 	20110922	476,000.00	0.0463	360	360
	40	 	 	 	0.00	 	20111202	995,899.00	0.0450	360	360
	41	 	 	 	0.00	 	20120109	716,000.00	0.0438	360	360
	42	 	 	 	0.00	 	20120213	661,000.00	0.0450	360	360
	43	 	 	 	0.00	 	20111206	788,000.00	0.0500	360	360
	44	 	 	 	0.00	 	20111209	600,000.00	0.0500	360	360
	45	 	 	 	0.00	 	20111130	650,000.00	0.0488	360	360
	46	 	 	 	0.00	 	20111215	737,500.00	0.0488	360	360
	47	 	 	 	0.00	 	20111209	783,000.00	0.0488	360	360
	48	 	 	 	0.00	 	20111123	762,700.00	0.0475	360	360
	49	 	 	 	0.00	 	20111114	1,012,500.00	0.0488	360	360
	50	 	 	 	0.00	 	20111117	952,000.00	0.0488	360	360
	51	 	 	 	0.00	 	20111128	600,000.00	0.0525	360	360
	52	 	 	 	0.00	 	20111122	1,880,000.00	0.0500	360	360
	53	 	 	 	0.00	 	20111206	1,400,000.00	0.0500	360	360
	54	 	 	 	0.00	 	20111116	910,000.00	0.0538	360	360
	55	 	 	 	0.00	 	20111227	1,000,000.00	0.0438	360	360
	56	 	 	 	0.00	 	20111216	788,000.00	0.0475	360	360
	57	 	 	 	0.00	 	20111217	839,000.00	0.0475	360	360
	58	 	 	 	0.00	 	20111222	722,000.00	0.0463	360	360
	59	 	 	 	0.00	 	20111229	540,000.00	0.0488	360	360
	60	 	 	 	0.00	 	20111201	980,000.00	0.0475	360	360
	61	 	 	 	0.00	 	20111207	680,000.00	0.0475	360	360
	62	 	 	 	0.00	 	20111209	585,000.00	0.0450	360	360
	63	 	 	 	0.00	 	20120113	916,000.00	0.0450	360	360
	64	 	 	 	0.00	 	20120114	918,500.00	0.0475	360	360
	65	 	 	 	0.00	 	20120117	443,910.00	0.0488	360	360
	66	 	 	 	0.00	 	20120120	960,000.00	0.0475	360	360
	67	 	 	 	0.00	 	20111230	700,000.00	0.0475	360	360
	68	 	 	 	0.00	 	20120113	637,500.00	0.0463	360	360
	69	 	 	 	495,000.00	 	20120111	855,000.00	0.0450	360	360
	70	 	 	 	0.00	 	20120123	1,236,000.00	0.0475	360	360
	71	 	 	 	0.00	 	20120117	1,160,000.00	0.0438	360	360
	72	 	 	 	0.00	 	20120124	559,800.00	0.0488	360	360
	73	 	 	 	0.00	 	20120201	456,000.00	0.0475	360	360
	74	 	 	 	0.00	 	20120208	500,000.00	0.0463	360	360
	75	 	 	 	0.00	 	20120209	490,000.00	0.0475	360	360
	76	 	 	 	0.00	 	20120207	1,200,000.00	0.0438	360	360
	77	 	 	 	0.00	 	20120131	830,000.00	0.0475	360	360
	78	 	 	 	0.00	 	20111111	567,300.00	0.0438	360	360
	79	 	 	 	0.00	 	20110929	1,125,000.00	0.0488	360	360
	80	 	 	 	0.00	 	20110926	886,800.00	0.0488	360	360
	81	 	 	 	0.00	 	20110919	898,000.00	0.0475	360	360
	82	 	 	 	0.00	 	20111012	1,290,000.00	0.0463	360	360
	83	 	 	 	0.00	 	20110919	470,000.00	0.0488	360	360
	84	 	 	 	0.00	 	20111003	440,000.00	0.0463	360	360
	85	 	 	 	0.00	 	20111101	1,075,000.00	0.0475	360	360
	86	 	 	 	0.00	 	20110923	979,000.00	0.0463	360	360
	87	 	 	 	0.00	 	20110920	448,000.00	0.0513	360	360
	88	 	 	 	0.00	 	20110926	999,950.00	0.0463	360	360
	89	 	 	 	200,000.00	 	20110923	990,000.00	0.0463	360	360
	90	 	 	 	0.00	 	20111006	680,000.00	0.0488	360	360
	91	 	 	 	0.00	 	20111017	900,000.00	0.0463	360	360
	92	 	 	 	0.00	 	20110930	650,000.00	0.0475	360	360
	93	 	 	 	0.00	 	20110930	832,800.00	0.0450	360	360
	94	 	 	 	0.00	 	20111026	611,250.00	0.0538	360	360
	95	 	 	 	0.00	 	20111011	588,450.00	0.0463	360	360
	96	 	 	 	0.00	 	20111005	572,000.00	0.0513	360	360
	97	 	 	 	0.00	 	20111018	560,000.00	0.0475	360	360
	98	 	 	 	0.00	 	20110926	985,000.00	0.0463	360	360
	99	 	 	 	0.00	 	20110928	989,050.00	0.0488	360	360
	100	 	 	 	0.00	 	20110824	556,850.00	0.0525	360	360
	101	 	 	 	0.00	 	20111107	798,000.00	0.0488	360	360
	102	 	 	 	0.00	 	20111024	862,000.00	0.0500	360	360
	103	 	 	 	0.00	 	20111111	757,000.00	0.0475	360	360
	104	 	 	 	0.00	 	20111028	1,085,000.00	0.0463	360	360
	105	 	 	 	0.00	 	20111031	445,000.00	0.0488	360	360
	106	 	 	 	0.00	 	20111102	1,020,000.00	0.0500	360	360
	107	 	 	 	0.00	 	20111024	740,000.00	0.0450	360	360
	108	 	 	 	0.00	 	20111104	748,700.00	0.0488	360	360
	109	 	 	 	0.00	 	20111114	536,000.00	0.0500	360	360
	110	 	 	 	0.00	 	20111101	772,000.00	0.0500	360	360
	111	 	 	 	0.00	 	20111014	527,200.00	0.0488	360	360
	112	 	 	 	0.00	 	20111108	688,000.00	0.0488	360	360
	113	 	 	 	0.00	 	20111228	796,000.00	0.0475	360	360
	114	 	 	 	0.00	 	20111123	921,500.00	0.0450	360	360
	115	 	 	 	0.00	 	20111215	640,000.00	0.0463	360	360
	116	 	 	 	0.00	 	20111026	1,998,600.00	0.0475	360	360
	117	 	 	 	0.00	 	20111230	615,000.00	0.0463	360	360
	118	 	 	 	0.00	 	20111228	485,000.00	0.0475	360	360
	119	 	 	 	0.00	 	20111117	999,999.00	0.0475	360	360
	120	 	 	 	0.00	 	20111221	650,000.00	0.0438	360	360
	121	 	 	 	0.00	 	20111201	620,250.00	0.0438	360	360
	122	 	 	 	0.00	 	20111209	689,850.00	0.0488	360	360
	123	 	 	 	0.00	 	20111222	716,500.00	0.0450	360	360
	124	 	 	 	0.00	 	20111217	494,400.00	0.0475	360	360
	125	 	 	 	0.00	 	20111222	868,400.00	0.0475	360	360
	126	 	 	 	0.00	 	20120106	1,160,000.00	0.0500	360	360
	127	 	 	 	0.00	 	20111223	880,000.00	0.0475	360	360
	128	 	 	 	0.00	 	20111014	610,000.00	0.0475	360	360
	129	 	 	 	0.00	 	20120103	1,590,000.00	0.0450	360	360
	130	 	 	 	0.00	 	20120117	850,000.00	0.0463	360	360
	131	 	 	 	0.00	 	20111229	807,000.00	0.0463	360	360
	132	 	 	 	0.00	 	20120109	810,000.00	0.0475	360	360
	133	 	 	 	0.00	 	20120118	575,000.00	0.0463	360	360
	134	 	 	 	0.00	 	20111223	480,000.00	0.0475	360	360
	135	 	 	 	125,000.00	 	20120120	913,000.00	0.0463	360	360
	136	 	 	 	0.00	 	20120123	944,000.00	0.0450	360	360
	137	 	 	 	0.00	 	20120125	775,000.00	0.0463	360	360
	138	 	 	 	0.00	 	20111227	559,950.00	0.0463	360	360
	139	 	 	 	0.00	 	20111228	600,000.00	0.0513	360	360
	140	 	 	 	0.00	 	20120130	725,000.00	0.0450	360	360
	141	 	 	 	0.00	 	20120104	480,000.00	0.0450	360	360
	142	 	 	 	0.00	 	20120106	713,000.00	0.0450	360	360
	143	 	 	 	0.00	 	20120131	699,900.00	0.0463	360	360
	144	 	 	 	250,000.00	 	20120125	603,350.00	0.0438	360	360
	145	 	 	 	0.00	 	20120126	720,000.00	0.0463	360	360
	146	 	 	 	0.00	 	20111026	999,950.00	0.0475	360	360
	147	 	 	 	0.00	 	20111026	944,000.00	0.0463	360	360
	148	 	 	 	0.00	 	20111201	527,200.00	0.0475	360	360
	149	 	 	 	0.00	 	20111130	499,000.00	0.0488	360	360
	150	 	 	 	0.00	 	20111216	550,000.00	0.0438	360	360
	151	 	 	 	0.00	 	20111216	792,000.00	0.0488	360	360
	152	 	 	 	0.00	 	20120120	452,600.00	0.0463	360	360
	153	 	 	 	0.00	 	20120209	585,000.00	0.0425	360	360
	154	 	 	 	0.00	 	20120120	696,000.00	0.0463	360	360
	155	 	 	 	0.00	 	20120113	614,700.00	0.0450	360	360
	156	 	 	 	0.00	 	20111230	520,000.00	0.0450	360	360
	157	 	 	 	0.00	 	20120203	536,250.00	0.0500	360	360
	158	 	 	 	0.00	 	20120123	880,000.00	0.0488	360	360
	159	 	 	 	0.00	 	20120210	999,950.00	0.0463	360	360
	160	 	 	 	0.00	 	20120127	1,345,100.00	0.0475	360	360
	161	 	 	 	0.00	 	20111110	1,095,000.00	0.0488	360	360

 

	KEY	First Payment Date
 of Loan	Interest Type
 Indicator	Original Interest
 Only Term	Buy Down Period	HELOC Draw Period	Current Loan
 Amount	Current Interest
 Rate	Current Payment
 Amount Due	Interest Paid
 Through Date	Current Payment
 Status	Index Type
	1	20120301	1	0	0	 	730,101.17	0.0488	3,868.52	20120301	0	0
	2	20120301	1	0	0	 	697,080.83	0.0450	3,536.67	20120301	0	0
	3	20120301	1	0	0	 	559,327.12	0.0500	3,006.21	20120301	0	0
	4	20120301	1	0	0	 	873,899.12	0.0475	4,564.42	20120301	0	0
	5	20120301	1	0	0	 	808,514.86	0.0488	4,286.59	20120301	0	0
	6	20120401	1	0	0	 	640,000.00	0.0450	3,242.79	20120301	0	0
	7	20120101	1	0	0	 	465,723.25	0.0488	2,497.86	20120301	0	0
	8	20120101	1	0	0	 	996,296.25	0.0488	5,292.08	20120301	0	0
	9	20111201	1	0	0	 	1,343,319.69	0.0488	7,144.31	20120301	0	0
	10	20120201	1	0	0	 	590,437.92	0.0450	2,999.58	20120301	0	0
	11	20120101	1	0	0	 	677,481.43	0.0488	3,598.62	20120301	0	0
	12	20120201	1	0	0	 	972,422.50	0.0450	4,940.18	20120301	0	0
	13	20120101	1	0	0	 	540,371.76	0.0475	2,836.46	20120301	0	0
	14	20120101	1	0	0	 	971,220.33	0.0463	5,012.86	20120301	0	0
	15	20120101	1	0	0	 	560,463.93	0.0500	3,019.62	20120301	0	0
	16	20120201	1	0	0	 	486,270.89	0.0475	2,543.03	20120301	0	0
	17	20120101	1	0	0	 	937,763.86	0.0488	4,981.17	20120301	0	0
	18	20120201	1	0	0	 	523,706.32	0.0488	2,778.34	20120301	0	0
	19	20120201	1	0	0	 	706,630.52	0.0450	3,589.87	20120301	0	0
	20	20120201	1	0	0	 	749,191.52	0.0500	4,031.53	20120301	0	0
	21	20120101	1	0	0	 	1,270,384.89	0.0500	6,844.48	20120301	0	0
	22	20120301	1	0	0	 	549,323.73	0.0488	2,910.65	20120301	0	0
	23	20120301	1	0	0	 	561,645.58	0.0475	2,934.27	20120301	0	0
	24	20120301	1	0	0	 	466,884.38	0.0450	2,368.75	20120301	0	0
	25	20120301	1	0	0	 	571,263.70	0.0463	2,940.88	20120301	0	0
	26	20120301	1	0	0	 	886,748.81	0.0413	4,303.69	20120301	0	0
	27	20120101	1	0	0	 	523,740.87	0.0513	2,861.82	20120301	0	0
	28	20120301	1	0	0	 	1,498,024.72	0.0450	7,600.28	20120301	0	0
	29	20120301	1	0	0	 	735,573.38	0.0475	3,841.93	20120301	0	0
	30	20120201	1	0	0	 	1,247,126.13	0.0525	6,902.55	20120301	0	0
	31	20120201	1	0	0	 	1,326,722.67	0.0488	7,038.47	20120301	0	0
	32	20120201	1	0	0	 	486,298.72	0.0488	2,579.89	20120301	0	0
	33	20120201	1	0	0	 	648,398.31	0.0488	3,439.85	20120301	0	0
	34	20120201	1	0	0	 	980,165.20	0.0463	5,052.45	20120301	0	0
	35	20120401	1	0	0	 	982,000.00	0.0475	5,122.58	20120301	0	0
	36	20120301	1	0	0	 	711,582.85	0.0463	3,663.24	20120301	0	0
	37	20120201	1	0	0	 	821,221.37	0.0488	4,356.71	20120301	0	0
	38	20120401	1	0	0	 	825,000.00	0.0463	4,241.65	20120301	0	0
	39	20111101	1	0	0	 	472,912.70	0.0463	2,447.30	20120301	0	0
	40	20120201	1	0	0	 	993,261.11	0.0450	5,046.07	20120301	0	0
	41	20120301	1	0	0	 	715,035.54	0.0438	3,574.88	20120301	0	0
	42	20120401	1	0	0	 	661,000.00	0.0450	3,349.19	20120301	0	0
	43	20120201	1	0	0	 	785,901.98	0.0500	4,230.16	20120301	0	0
	44	20120201	1	0	0	 	598,555.14	0.0500	3,220.93	20120301	0	0
	45	20120201	1	0	0	 	647,581.69	0.0488	3,439.85	20120301	0	0
	46	20120201	1	0	0	 	735,682.68	0.0488	3,902.91	20120301	0	0
	47	20120201	1	0	0	 	781,070.57	0.0488	4,143.70	20120301	0	0
	48	20120101	1	0	0	 	759,809.85	0.0475	3,978.60	20120301	0	0
	49	20120101	1	0	0	 	1,008,749.96	0.0488	5,358.23	20120301	0	0
	50	20120101	1	0	0	 	948,474.03	0.0488	5,038.06	20120301	0	0
	51	20120101	1	0	0	 	597,926.29	0.0525	3,313.22	20120301	0	0
	52	20120101	1	0	0	 	1,873,194.97	0.0500	10,092.25	20120301	0	0
	53	20120201	1	0	0	 	1,396,628.65	0.0500	7,515.50	20120301	0	0
	54	20120101	1	0	0	 	906,927.18	0.0538	5,095.74	20120301	0	0
	55	20120201	1	0	0	 	997,301.05	0.0438	4,992.85	20120301	0	0
	56	20120201	1	0	0	 	786,012.83	0.0475	4,110.58	20120301	0	0
	57	20120201	1	0	0	 	834,633.46	0.0475	4,376.62	20120301	0	0
	58	20120201	1	0	0	 	720,137.66	0.0463	3,712.09	20120301	0	0
	59	20120201	1	0	0	 	538,669.36	0.0488	2,857.72	20120301	0	0
	60	20120201	1	0	0	 	977,272.55	0.0475	5,112.14	20120301	0	0
	61	20120201	1	0	0	 	678,285.55	0.0475	3,547.20	20120301	0	0
	62	20120201	1	0	0	 	580,521.75	0.0450	2,964.11	20120301	0	0
	63	20120301	1	0	0	 	914,459.15	0.0450	4,641.24	20120301	0	0
	64	20120301	1	0	0	 	917,344.40	0.0475	4,791.33	20120301	0	0
	65	20120301	1	0	0	 	443,364.17	0.0488	2,349.21	20120301	0	0
	66	20120301	1	0	0	 	958,792.19	0.0475	5,007.81	20120301	0	0
	67	20120301	1	0	0	 	699,119.30	0.0475	3,651.53	20120301	0	0
	68	20120301	1	0	0	 	636,679.39	0.0463	3,277.64	20120301	0	0
	69	20120301	1	0	0	 	853,874.09	0.0450	4,332.16	20120301	0	0
	70	20120301	1	0	0	 	1,234,444.94	0.0475	6,447.56	20120301	0	0
	71	20120301	1	0	0	 	1,158,437.46	0.0438	5,791.71	20120301	0	0
	72	20120301	1	0	0	 	559,111.68	0.0488	2,962.51	20120301	0	0
	73	20120401	1	0	0	 	456,000.00	0.0475	2,378.71	20120301	0	0
	74	20120401	1	0	0	 	500,000.00	0.0463	2,570.70	20120301	0	0
	75	20120401	1	0	0	 	490,000.00	0.0475	2,556.07	20120301	0	0
	76	20120401	1	0	0	 	1,200,000.00	0.0438	5,991.42	20120301	0	0
	77	20120401	1	0	0	 	830,000.00	0.0475	4,329.67	20120301	0	0
	78	20120101	1	0	0	 	561,993.66	0.0438	2,832.45	20120301	0	0
	79	20111101	1	0	0	 	1,118,027.19	0.0488	5,953.59	20120301	0	0
	80	20111101	1	0	0	 	881,303.56	0.0488	4,693.02	20120301	0	0
	81	20111101	1	0	0	 	887,226.42	0.0475	4,684.39	20120301	0	0
	82	20111201	1	0	0	 	1,282,579.95	0.0463	6,632.40	20120301	0	0
	83	20111101	1	0	0	 	467,086.91	0.0488	2,487.28	20120301	0	0
	84	20111201	1	0	0	 	437,721.36	0.0463	2,262.21	20120301	0	0
	85	20120101	1	0	0	 	1,070,926.41	0.0475	5,607.71	20120301	0	0
	86	20111101	1	0	0	 	972,650.24	0.0463	5,033.43	20120301	0	0
	87	20111101	1	0	0	 	445,064.30	0.0513	2,439.30	20120301	0	0
	88	20111101	1	0	0	 	992,003.33	0.0463	5,141.14	20120301	0	0
	89	20111101	1	0	0	 	983,578.91	0.0463	5,089.98	20120301	0	0
	90	20111201	1	0	0	 	676,635.08	0.0488	3,598.62	20120301	0	0
	91	20111201	1	0	0	 	895,105.96	0.0463	4,627.26	20120301	0	0
	92	20111101	1	0	0	 	645,878.54	0.0475	3,390.71	20120301	0	0
	93	20111101	1	0	0	 	827,275.33	0.0450	4,219.68	20120301	0	0
	94	20111201	1	0	0	 	608,491.82	0.0538	3,422.82	20120301	0	0
	95	20111201	1	0	0	 	585,402.57	0.0463	3,025.45	20120301	0	0
	96	20111201	1	0	0	 	569,296.54	0.0513	3,114.47	20120301	0	0
	97	20111201	1	0	0	 	557,164.98	0.0475	2,921.23	20120301	0	0
	98	20111101	1	0	0	 	978,611.36	0.0463	5,064.27	20120301	0	0
	99	20111101	1	0	0	 	979,859.82	0.0488	5,234.13	20120301	0	0
	100	20111001	1	0	0	 	552,975.45	0.0525	3,074.95	20120301	0	0
	101	20120101	1	0	0	 	795,044.42	0.0488	4,223.08	20120301	0	0
	102	20111201	1	0	0	 	857,831.11	0.0500	4,627.40	20120301	0	0
	103	20120101	1	0	0	 	752,956.79	0.0475	3,948.87	20120301	0	0
	104	20111201	1	0	0	 	1,079,381.06	0.0463	5,578.41	20120301	0	0
	105	20111201	1	0	0	 	442,797.96	0.0488	2,354.98	20120301	0	0
	106	20111201	1	0	0	 	1,015,066.96	0.0500	5,475.58	20120301	0	0
	107	20111201	1	0	0	 	736,080.15	0.0450	3,749.47	20120301	0	0
	108	20120101	1	0	0	 	745,926.79	0.0488	3,962.18	20120301	0	0
	109	20120101	1	0	0	 	534,059.86	0.0500	2,877.36	20120301	0	0
	110	20120101	1	0	0	 	769,205.61	0.0500	4,144.26	20120301	0	0
	111	20111201	1	0	0	 	524,591.20	0.0488	2,789.99	20120301	0	0
	112	20120101	1	0	0	 	685,451.82	0.0488	3,640.95	20120301	0	0
	113	20120201	1	0	0	 	793,993.08	0.0475	4,152.31	20120301	0	0
	114	20120101	1	0	0	 	916,236.87	0.0450	4,669.11	20120301	0	0
	115	20120201	1	0	0	 	638,349.18	0.0463	3,290.49	20120301	0	0
	116	20111201	1	0	0	 	1,988,482.06	0.0475	10,425.64	20120301	0	0
	117	20120201	1	0	0	 	613,413.65	0.0463	3,161.96	20120301	0	0
	118	20120201	1	0	0	 	483,706.90	0.0475	2,529.99	20120301	0	0
	119	20120101	1	0	0	 	996,209.62	0.0475	5,216.47	20120301	0	0
	120	20120201	1	0	0	 	648,245.69	0.0438	3,245.35	20120301	0	0
	121	20120201	1	0	0	 	618,575.98	0.0438	3,096.81	20120301	0	0
	122	20120201	1	0	0	 	688,150.11	0.0488	3,650.74	20120301	0	0
	123	20120201	1	0	0	 	714,609.42	0.0450	3,630.40	20120301	0	0
	124	20120201	1	0	0	 	493,153.50	0.0475	2,579.02	20120301	0	0
	125	20120201	1	0	0	 	866,210.53	0.0475	4,529.99	20120301	0	0
	126	20120301	1	0	0	 	1,158,606.20	0.0500	6,227.13	20120301	0	0
	127	20120201	1	0	0	 	877,781.28	0.0475	4,590.50	20120301	0	0
	128	20111201	1	0	0	 	606,911.86	0.0475	3,182.05	20120301	0	0
	129	20120301	1	0	0	 	1,587,906.20	0.0450	8,056.30	20120301	0	0
	130	20120301	1	0	0	 	848,905.85	0.0463	4,370.19	20120301	0	0
	131	20120201	1	0	0	 	804,918.40	0.0463	4,149.11	20120301	0	0
	132	20120301	1	0	0	 	808,980.91	0.0475	4,225.34	20120301	0	0
	133	20120301	1	0	0	 	574,259.85	0.0463	2,956.30	20120301	0	0
	134	20120201	1	0	0	 	478,789.79	0.0475	2,503.91	20120301	0	0
	135	20120301	1	0	0	 	911,824.76	0.0463	4,694.09	20120301	0	0
	136	20120301	1	0	0	 	942,756.89	0.0450	4,783.11	20120301	0	0
	137	20120301	1	0	0	 	774,002.40	0.0463	3,984.58	20120301	0	0
	138	20120201	1	0	0	 	558,505.66	0.0463	2,878.92	20120301	0	0
	139	20120201	1	0	0	 	598,588.15	0.0513	3,266.92	20120301	0	0
	140	20120301	1	0	0	 	724,045.28	0.0450	3,673.47	20120301	0	0
	141	20120301	1	0	0	 	479,367.91	0.0450	2,432.09	20120301	0	0
	142	20120301	1	0	0	 	712,061.08	0.0450	3,612.67	20120301	0	0
	143	20120301	1	0	0	 	698,999.07	0.0463	3,598.46	20120301	0	0
	144	20120301	1	0	0	 	602,537.27	0.0438	3,012.44	20120301	0	0
	145	20120301	1	0	0	 	719,073.20	0.0463	3,701.80	20120301	0	0
	146	20111201	1	0	0	 	994,887.76	0.0475	5,216.21	20120301	0	0
	147	20111201	1	0	0	 	939,111.24	0.0463	4,853.48	20120301	0	0
	148	20120101	1	0	0	 	525,202.25	0.0475	2,750.12	20120301	0	0
	149	20120101	1	0	0	 	497,151.82	0.0488	2,640.75	20120301	0	0
	150	20120201	1	0	0	 	548,485.40	0.0438	2,746.07	20120301	0	0
	151	20120201	1	0	0	 	790,048.38	0.0488	4,191.33	20120301	0	0
	152	20120301	1	0	0	 	452,017.40	0.0463	2,327.00	20120301	0	0
	153	20120401	1	0	0	 	585,000.00	0.0425	2,877.85	20120301	0	0
	154	20120301	1	0	0	 	695,104.09	0.0463	3,578.41	20120301	0	0
	155	20120301	1	0	0	 	613,890.54	0.0450	3,114.59	20120301	0	0
	156	20120201	1	0	0	 	518,627.91	0.0450	2,634.76	20120301	0	0
	157	20120301	1	0	0	 	535,605.67	0.0500	2,878.71	20120301	0	0
	158	20120301	1	0	0	 	878,917.97	0.0488	4,657.03	20120301	0	0
	159	20120401	1	0	0	 	999,950.00	0.0463	5,141.14	20120301	0	0
	160	20120301	1	0	0	 	1,343,407.67	0.0475	7,016.68	20120301	0	0
	161	20120101	1	0	0	 	1,090,944.40	0.0488	5,794.83	20120301	0	0

 

	KEY	ARM Look-back
 Days	Gross Margin	ARM Round Flag	ARM Round Factor	Initial Fixed Rate
 Period	Initial Interest Rate
 Cap (Change Up)	Initial Interest Rate
 Cap (Change Down)	Subsequent Interest
 Rate Reset Period	Subsequent Interest
 Rate Cap (Change Down)	Subsequent Interest
 Rate Cap (Change
 Up)	Lifetime Maximum
 Rate (Ceiling)
	1	 	 	 	 	 	 	 	 	 	 	 
	2	 	 	 	 	 	 	 	 	 	 	 
	3	 	 	 	 	 	 	 	 	 	 	 
	4	 	 	 	 	 	 	 	 	 	 	 
	5	 	 	 	 	 	 	 	 	 	 	 
	6	 	 	 	 	 	 	 	 	 	 	 
	7	 	 	 	 	 	 	 	 	 	 	 
	8	 	 	 	 	 	 	 	 	 	 	 
	9	 	 	 	 	 	 	 	 	 	 	 
	10	 	 	 	 	 	 	 	 	 	 	 
	11	 	 	 	 	 	 	 	 	 	 	 
	12	 	 	 	 	 	 	 	 	 	 	 
	13	 	 	 	 	 	 	 	 	 	 	 
	14	 	 	 	 	 	 	 	 	 	 	 
	15	 	 	 	 	 	 	 	 	 	 	 
	16	 	 	 	 	 	 	 	 	 	 	 
	17	 	 	 	 	 	 	 	 	 	 	 
	18	 	 	 	 	 	 	 	 	 	 	 
	19	 	 	 	 	 	 	 	 	 	 	 
	20	 	 	 	 	 	 	 	 	 	 	 
	21	 	 	 	 	 	 	 	 	 	 	 
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	110	 	 	 	 	 	 	 	 	 	 	 
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	116	 	 	 	 	 	 	 	 	 	 	 
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	123	 	 	 	 	 	 	 	 	 	 	 
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	134	 	 	 	 	 	 	 	 	 	 	 
	135	 	 	 	 	 	 	 	 	 	 	 
	136	 	 	 	 	 	 	 	 	 	 	 
	137	 	 	 	 	 	 	 	 	 	 	 
	138	 	 	 	 	 	 	 	 	 	 	 
	139	 	 	 	 	 	 	 	 	 	 	 
	140	 	 	 	 	 	 	 	 	 	 	 
	141	 	 	 	 	 	 	 	 	 	 	 
	142	 	 	 	 	 	 	 	 	 	 	 
	143	 	 	 	 	 	 	 	 	 	 	 
	144	 	 	 	 	 	 	 	 	 	 	 
	145	 	 	 	 	 	 	 	 	 	 	 
	146	 	 	 	 	 	 	 	 	 	 	 
	147	 	 	 	 	 	 	 	 	 	 	 
	148	 	 	 	 	 	 	 	 	 	 	 
	149	 	 	 	 	 	 	 	 	 	 	 
	150	 	 	 	 	 	 	 	 	 	 	 
	151	 	 	 	 	 	 	 	 	 	 	 
	152	 	 	 	 	 	 	 	 	 	 	 
	153	 	 	 	 	 	 	 	 	 	 	 
	154	 	 	 	 	 	 	 	 	 	 	 
	155	 	 	 	 	 	 	 	 	 	 	 
	156	 	 	 	 	 	 	 	 	 	 	 
	157	 	 	 	 	 	 	 	 	 	 	 
	158	 	 	 	 	 	 	 	 	 	 	 
	159	 	 	 	 	 	 	 	 	 	 	 
	160	 	 	 	 	 	 	 	 	 	 	 
	161	 	 	 	 	 	 	 	 	 	 	 

 

	KEY	Lifetime Minimum
 Rate (Floor)	Negative
 Amortization Limit	Initial Negative
 Amortization Recast
 Period	Subsequent
 Negative
 Amortization Recast
 Period	Initial Fixed
 Payment Period	Subsequent
 Payment Reset
 Period	Initial Periodic
 Payment Cap	Subsequent
 Periodic Payment
 Cap	Initial Minimum
 Payment Reset
 Period	Subsequent
 Minimum Payment
 Reset Period	Option ARM
 Indicator	Options at Recast
	1	 	 	 	 	 	 	 	 	 	 	 	 
	2	 	 	 	 	 	 	 	 	 	 	 	 
	3	 	 	 	 	 	 	 	 	 	 	 	 
	4	 	 	 	 	 	 	 	 	 	 	 	 
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	6	 	 	 	 	 	 	 	 	 	 	 	 
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	48	 	 	 	 	 	 	 	 	 	 	 	 
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	55	 	 	 	 	 	 	 	 	 	 	 	 
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	75	 	 	 	 	 	 	 	 	 	 	 	 
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	80	 	 	 	 	 	 	 	 	 	 	 	 
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	103	 	 	 	 	 	 	 	 	 	 	 	 
	104	 	 	 	 	 	 	 	 	 	 	 	 
	105	 	 	 	 	 	 	 	 	 	 	 	 
	106	 	 	 	 	 	 	 	 	 	 	 	 
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	110	 	 	 	 	 	 	 	 	 	 	 	 
	111	 	 	 	 	 	 	 	 	 	 	 	 
	112	 	 	 	 	 	 	 	 	 	 	 	 
	113	 	 	 	 	 	 	 	 	 	 	 	 
	114	 	 	 	 	 	 	 	 	 	 	 	 
	115	 	 	 	 	 	 	 	 	 	 	 	 
	116	 	 	 	 	 	 	 	 	 	 	 	 
	117	 	 	 	 	 	 	 	 	 	 	 	 
	118	 	 	 	 	 	 	 	 	 	 	 	 
	119	 	 	 	 	 	 	 	 	 	 	 	 
	120	 	 	 	 	 	 	 	 	 	 	 	 
	121	 	 	 	 	 	 	 	 	 	 	 	 
	122	 	 	 	 	 	 	 	 	 	 	 	 
	123	 	 	 	 	 	 	 	 	 	 	 	 
	124	 	 	 	 	 	 	 	 	 	 	 	 
	125	 	 	 	 	 	 	 	 	 	 	 	 
	126	 	 	 	 	 	 	 	 	 	 	 	 
	127	 	 	 	 	 	 	 	 	 	 	 	 
	128	 	 	 	 	 	 	 	 	 	 	 	 
	129	 	 	 	 	 	 	 	 	 	 	 	 
	130	 	 	 	 	 	 	 	 	 	 	 	 
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	132	 	 	 	 	 	 	 	 	 	 	 	 
	133	 	 	 	 	 	 	 	 	 	 	 	 
	134	 	 	 	 	 	 	 	 	 	 	 	 
	135	 	 	 	 	 	 	 	 	 	 	 	 
	136	 	 	 	 	 	 	 	 	 	 	 	 
	137	 	 	 	 	 	 	 	 	 	 	 	 
	138	 	 	 	 	 	 	 	 	 	 	 	 
	139	 	 	 	 	 	 	 	 	 	 	 	 
	140	 	 	 	 	 	 	 	 	 	 	 	 
	141	 	 	 	 	 	 	 	 	 	 	 	 
	142	 	 	 	 	 	 	 	 	 	 	 	 
	143	 	 	 	 	 	 	 	 	 	 	 	 
	144	 	 	 	 	 	 	 	 	 	 	 	 
	145	 	 	 	 	 	 	 	 	 	 	 	 
	146	 	 	 	 	 	 	 	 	 	 	 	 
	147	 	 	 	 	 	 	 	 	 	 	 	 
	148	 	 	 	 	 	 	 	 	 	 	 	 
	149	 	 	 	 	 	 	 	 	 	 	 	 
	150	 	 	 	 	 	 	 	 	 	 	 	 
	151	 	 	 	 	 	 	 	 	 	 	 	 
	152	 	 	 	 	 	 	 	 	 	 	 	 
	153	 	 	 	 	 	 	 	 	 	 	 	 
	154	 	 	 	 	 	 	 	 	 	 	 	 
	155	 	 	 	 	 	 	 	 	 	 	 	 
	156	 	 	 	 	 	 	 	 	 	 	 	 
	157	 	 	 	 	 	 	 	 	 	 	 	 
	158	 	 	 	 	 	 	 	 	 	 	 	 
	159	 	 	 	 	 	 	 	 	 	 	 	 
	160	 	 	 	 	 	 	 	 	 	 	 	 
	161	 	 	 	 	 	 	 	 	 	 	 	 

 

	KEY	Initial Minimum
 Payment	Current Minimum
 Payment	Prepayment Penalty
 Calculation	Prepayment Penalty
 Type	Prepayment Penalty
 Total Term	Prepayment Penalty
 Hard Term	Primary Borrower ID	Number of
 Mortgaged
 Properties	Total Number of
 Borrowers	Self-employment
 Flag	Current ‘Other’
 Monthly Payment
	1	 	 	 	 	0	 	152	1	 	0	 
	2	 	 	 	 	0	 	293	1	 	0	 
	3	 	 	 	 	0	 	143	1	 	0	 
	4	 	 	 	 	0	 	11	2	 	0	 
	5	 	 	 	 	0	 	248	2	 	1	 
	6	 	 	 	 	0	 	118	1	 	0	 
	7	 	 	 	 	0	 	146	2	 	1	 
	8	 	 	 	 	0	 	69	1	 	0	 
	9	 	 	 	 	0	 	264	1	 	1	 
	10	 	 	 	 	0	 	217	2	 	0	 
	11	 	 	 	 	0	 	220	1	 	1	 
	12	 	 	 	 	0	 	122	2	 	1	 
	13	 	 	 	 	0	 	131	1	 	0	 
	14	 	 	 	 	0	 	116	1	 	0	 
	15	 	 	 	 	0	 	121	2	 	0	 
	16	 	 	 	 	0	 	126	1	 	0	 
	17	 	 	 	 	0	 	149	2	 	0	 
	18	 	 	 	 	0	 	132	1	 	0	 
	19	 	 	 	 	0	 	123	1	 	0	 
	20	 	 	 	 	0	 	112	1	 	0	 
	21	 	 	 	 	0	 	117	1	 	0	 
	22	 	 	 	 	0	 	155	2	 	1	 
	23	 	 	 	 	0	 	168	1	 	0	 
	24	 	 	 	 	0	 	223	1	 	0	 
	25	 	 	 	 	0	 	73	1	 	0	 
	26	 	 	 	 	0	 	156	3	 	1	 
	27	 	 	 	 	0	 	174	1	 	1	 
	28	 	 	 	 	0	 	211	4	 	1	 
	29	 	 	 	 	0	 	197	1	 	1	 
	30	 	 	 	 	0	 	283	1	 	1	 
	31	 	 	 	 	0	 	127	1	 	1	 
	32	 	 	 	 	0	 	256	2	 	0	 
	33	 	 	 	 	0	 	277	1	 	0	 
	34	 	 	 	 	0	 	270	1	 	0	 
	35	 	 	 	 	0	 	281	2	 	0	 
	36	 	 	 	 	0	 	192	1	 	0	 
	37	 	 	 	 	0	 	267	2	 	1	 
	38	 	 	 	 	0	 	260	1	 	1	 
	39	 	 	 	 	0	 	160	1	 	0	 
	40	 	 	 	 	0	 	36	1	 	1	 
	41	 	 	 	 	0	 	32	1	 	0	 
	42	 	 	 	 	0	 	37	1	 	0	 
	43	 	 	 	 	0	 	102	3	 	1	 
	44	 	 	 	 	0	 	313	2	 	0	 
	45	 	 	 	 	0	 	97	1	 	0	 
	46	 	 	 	 	0	 	253	1	 	0	 
	47	 	 	 	 	0	 	135	3	 	1	 
	48	 	 	 	 	0	 	26	1	 	0	 
	49	 	 	 	 	0	 	7	1	 	0	 
	50	 	 	 	 	0	 	81	1	 	0	 
	51	 	 	 	 	0	 	100	2	 	0	 
	52	 	 	 	 	0	 	178	1	 	1	 
	53	 	 	 	 	0	 	10	1	 	1	 
	54	 	 	 	 	0	 	56	3	 	0	 
	55	 	 	 	 	0	 	229	2	 	1	 
	56	 	 	 	 	0	 	239	2	 	1	 
	57	 	 	 	 	0	 	301	1	 	0	 
	58	 	 	 	 	0	 	231	3	 	0	 
	59	 	 	 	 	0	 	113	2	 	1	 
	60	 	 	 	 	0	 	23	3	 	1	 
	61	 	 	 	 	0	 	308	2	 	1	 
	62	 	 	 	 	0	 	98	3	 	0	 
	63	 	 	 	 	0	 	76	2	 	0	 
	64	 	 	 	 	0	 	138	1	 	0	 
	65	 	 	 	 	0	 	103	1	 	0	 
	66	 	 	 	 	0	 	101	1	 	0	 
	67	 	 	 	 	0	 	215	1	 	0	 
	68	 	 	 	 	0	 	94	1	 	0	 
	69	 	 	 	 	0	 	268	3	 	1	 
	70	 	 	 	 	0	 	290	1	 	1	 
	71	 	 	 	 	0	 	99	2	 	1	 
	72	 	 	 	 	0	 	244	1	 	0	 
	73	 	 	 	 	0	 	91	1	 	0	 
	74	 	 	 	 	0	 	31	4	 	1	 
	75	 	 	 	 	0	 	15	2	 	1	 
	76	 	 	 	 	0	 	266	3	 	1	 
	77	 	 	 	 	0	 	88	1	 	0	 
	78	 	 	 	 	0	 	106	1	 	0	 
	79	 	 	 	 	0	 	302	4	 	1	 
	80	 	 	 	 	0	 	85	2	 	1	 
	81	 	 	 	 	0	 	199	1	 	0	 
	82	 	 	 	 	0	 	310	1	 	0	 
	83	 	 	 	 	0	 	142	2	 	0	 
	84	 	 	 	 	0	 	202	1	 	0	 
	85	 	 	 	 	0	 	82	2	 	0	 
	86	 	 	 	 	0	 	279	1	 	0	 
	87	 	 	 	 	0	 	314	2	 	1	 
	88	 	 	 	 	0	 	175	1	 	0	 
	89	 	 	 	 	0	 	59	2	 	1	 
	90	 	 	 	 	0	 	87	1	 	0	 
	91	 	 	 	 	0	 	289	1	 	0	 
	92	 	 	 	 	0	 	193	2	 	1	 
	93	 	 	 	 	0	 	182	2	 	1	 
	94	 	 	 	 	0	 	148	3	 	1	 
	95	 	 	 	 	0	 	204	2	 	0	 
	96	 	 	 	 	0	 	28	1	 	1	 
	97	 	 	 	 	0	 	165	2	 	0	 
	98	 	 	 	 	0	 	95	1	 	1	 
	99	 	 	 	 	0	 	61	2	 	1	 
	100	 	 	 	 	0	 	65	1	 	0	 
	101	 	 	 	 	0	 	29	1	 	0	 
	102	 	 	 	 	0	 	185	3	 	1	 
	103	 	 	 	 	0	 	38	1	 	1	 
	104	 	 	 	 	0	 	159	1	 	0	 
	105	 	 	 	 	0	 	257	1	 	0	 
	106	 	 	 	 	0	 	206	1	 	0	 
	107	 	 	 	 	0	 	12	1	 	1	 
	108	 	 	 	 	0	 	216	3	 	0	 
	109	 	 	 	 	0	 	191	1	 	0	 
	110	 	 	 	 	0	 	189	2	 	1	 
	111	 	 	 	 	0	 	171	2	 	1	 
	112	 	 	 	 	0	 	177	1	 	1	 
	113	 	 	 	 	0	 	162	2	 	0	 
	114	 	 	 	 	0	 	172	1	 	0	 
	115	 	 	 	 	0	 	173	1	 	0	 
	116	 	 	 	 	0	 	141	2	 	0	 
	117	 	 	 	 	0	 	5	1	 	0	 
	118	 	 	 	 	0	 	108	2	 	1	 
	119	 	 	 	 	0	 	327	1	 	0	 
	120	 	 	 	 	0	 	145	1	 	1	 
	121	 	 	 	 	0	 	183	1	 	0	 
	122	 	 	 	 	0	 	180	2	 	0	 
	123	 	 	 	 	0	 	243	1	 	1	 
	124	 	 	 	 	0	 	125	1	 	1	 
	125	 	 	 	 	0	 	359	1	 	1	 
	126	 	 	 	 	0	 	195	2	 	1	 
	127	 	 	 	 	0	 	188	2	 	0	 
	128	 	 	 	 	0	 	22	2	 	0	 
	129	 	 	 	 	0	 	230	4	 	1	 
	130	 	 	 	 	0	 	196	1	 	1	 
	131	 	 	 	 	0	 	186	1	 	1	 
	132	 	 	 	 	0	 	84	1	 	0	 
	133	 	 	 	 	0	 	83	1	 	0	 
	134	 	 	 	 	0	 	144	2	 	0	 
	135	 	 	 	 	0	 	124	2	 	1	 
	136	 	 	 	 	0	 	14	1	 	1	 
	137	 	 	 	 	0	 	30	1	 	1	 
	138	 	 	 	 	0	 	45	2	 	0	 
	139	 	 	 	 	0	 	323	2	 	1	 
	140	 	 	 	 	0	 	93	2	 	1	 
	141	 	 	 	 	0	 	184	1	 	0	 
	142	 	 	 	 	0	 	49	1	 	0	 
	143	 	 	 	 	0	 	286	2	 	0	 
	144	 	 	 	 	0	 	208	1	 	0	 
	145	 	 	 	 	0	 	119	4	 	0	 
	146	 	 	 	 	0	 	228	1	 	1	 
	147	 	 	 	 	0	 	272	1	 	0	 
	148	 	 	 	 	0	 	176	1	 	1	 
	149	 	 	 	 	0	 	241	2	 	0	 
	150	 	 	 	 	0	 	79	2	 	0	 
	151	 	 	 	 	0	 	9	2	 	0	 
	152	 	 	 	 	0	 	236	2	 	0	 
	153	 	 	 	 	0	 	179	1	 	0	 
	154	 	 	 	 	0	 	210	2	 	1	 
	155	 	 	 	 	0	 	161	1	 	0	 
	156	 	 	 	 	0	 	92	1	 	0	 
	157	 	 	 	 	0	 	20	2	 	0	 
	158	 	 	 	 	0	 	42	1	 	1	 
	159	 	 	 	 	0	 	77	2	 	1	 
	160	 	 	 	 	0	 	200	3	 	1	 
	161	 	 	 	 	0	 	111	1	 	0	 

 

	KEY	Length of
 Employment:
 Borrower	Length of
 Employment: Co-
 Borrower	Years in Home	FICO Model Used	Most Recent FICO
 Date	Primary Wage
 Earner Original
 FICO: Equifax	Primary Wage
 Earner Original
 FICO: Experian	Primary Wage
 Earner Original
 FICO: TransUnion	Secondary Wage
 Earner Original
 FICO: Equifax	Secondary Wage
 Earner Original
 FICO: Experian	Secondary Wage
 Earner Original
 FICO: TransUnion	Original
 Primary Borrower
 FICO
	1	0.00	 	14.00	1	 	 	 	 	 	 	 	786
	2	5.00	0.00	1.00	1	 	 	 	 	 	 	 	745
	3	21.00	 	13.00	1	 	 	 	 	 	 	 	777
	4	10.00	15.00	10.00	1	 	 	 	 	 	 	 	722
	5	5.00	3.00	1.00	1	 	 	 	 	 	 	 	800
	6	18.67	18.00	7.00	1	 	 	 	 	 	 	 	792
	7	13.10	 	15.40	1	 	 	 	 	 	 	 	787
	8	0.30	 	0.00	1	 	 	 	 	 	 	 	762
	9	15.00	 	0.01	1	 	 	 	 	 	 	 	768
	10	3.30	4.00	0.00	1	 	 	 	 	 	 	 	782
	11	27.00	 	43.00	1	 	 	 	 	 	 	 	783
	12	6.90	6.80	0.00	1	 	 	 	 	 	 	 	776
	13	1.00	 	12.00	1	 	 	 	 	 	 	 	749
	14	6.00	 	0.00	1	 	 	 	 	 	 	 	777
	15	9.00	4.00	0.00	1	 	 	 	 	 	 	 	710
	16	14.00	21.00	23.00	1	 	 	 	 	 	 	 	767
	17	17.00	18.00	4.00	1	 	 	 	 	 	 	 	760
	18	0.50	0.00	6.00	1	 	 	 	 	 	 	 	703
	19	6.00	 	15.00	1	 	 	 	 	 	 	 	800
	20	8.00	0.00	1.00	1	 	 	 	 	 	 	 	778
	21	4.00	 	0.50	1	 	 	 	 	 	 	 	785
	22	9.00	 	12.00	1	 	 	 	 	 	 	 	751
	23	9.00	10.00	4.00	1	 	 	 	 	 	 	 	773
	24	15.00	18.00	7.00	1	 	 	 	 	 	 	 	807
	25	2.00	 	0.00	1	 	 	 	 	 	 	 	810
	26	6.00	 	0.00	1	 	 	 	 	 	 	 	797
	27	14.00	 	0.00	1	 	 	 	 	 	 	 	798
	28	20.00	 	16.00	1	 	 	 	 	 	 	 	774
	29	9.00	0.00	2.00	1	 	 	 	 	 	 	 	745
	30	18.00	0.00	11.00	1	 	 	 	 	 	 	 	750
	31	3.00	0.00	6.00	1	 	 	 	 	 	 	 	771
	32	7.60	 	5.30	1	 	 	 	 	 	 	 	794
	33	29.80	 	4.00	1	 	 	 	 	 	 	 	798
	34	3.00	 	14.00	1	 	 	 	 	 	 	 	791
	35	0.83	 	3.00	1	 	 	 	 	 	 	 	776
	36	12.00	 	4.00	1	 	 	 	 	 	 	 	748
	37	2.40	 	0.00	1	 	 	 	 	 	 	 	759
	38	5.92	 	3.00	1	 	 	 	 	 	 	 	795
	39	0.00	 	0.00	1	20120227	 	 	 	 	 	 	758
	40	12.00	 	2.00	1	 	 	 	 	 	 	 	748
	41	13.00	 	10.00	1	 	 	 	 	 	 	 	737
	42	7.00	 	0.50	1	 	 	 	 	 	 	 	766
	43	4.00	 	0.00	1	 	 	 	 	 	 	 	768
	44	6.00	 	0.00	1	 	 	 	 	 	 	 	768
	45	14.00	 	8.00	1	 	 	 	 	 	 	 	756
	46	0.00	 	1.00	1	 	 	 	 	 	 	 	807
	47	37.00	 	8.00	1	 	 	 	 	 	 	 	723
	48	0.00	 	9.00	1	 	 	 	 	 	 	 	801
	49	9.00	9.00	3.00	1	 	 	 	 	 	 	 	792
	50	3.00	29.00	10.00	1	 	 	 	 	 	 	 	782
	51	3.00	 	4.00	1	 	 	 	 	 	 	 	757
	52	7.00	 	4.00	1	 	 	 	 	 	 	 	794
	53	16.00	 	16.00	1	 	 	 	 	 	 	 	773
	54	1.00	 	0.00	1	 	 	 	 	 	 	 	754
	55	24.00	 	0.00	1	 	 	 	 	 	 	 	749
	56	10.00	 	0.00	1	 	 	 	 	 	 	 	751
	57	0.00	 	5.00	1	 	 	 	 	 	 	 	801
	58	20.00	20.00	0.66	1	 	 	 	 	 	 	 	772
	59	7.00	 	0.00	1	 	 	 	 	 	 	 	778
	60	16.00	3.00	6.00	1	 	 	 	 	 	 	 	756
	61	1.00	 	0.00	1	 	 	 	 	 	 	 	776
	62	17.00	17.00	3.00	1	 	 	 	 	 	 	 	781
	63	4.00	5.00	3.00	1	 	 	 	 	 	 	 	759
	64	6.00	0.00	4.00	1	 	 	 	 	 	 	 	757
	65	11.00	 	0.00	1	 	 	 	 	 	 	 	769
	66	3.00	0.00	3.00	1	 	 	 	 	 	 	 	777
	67	0.00	 	35.00	1	 	 	 	 	 	 	 	718
	68	10.00	15.00	0.00	1	 	 	 	 	 	 	 	812
	69	16.00	0.00	12.00	1	 	 	 	 	 	 	 	771
	70	20.00	0.00	0.00	1	 	 	 	 	 	 	 	762
	71	10.00	0.00	2.00	1	 	 	 	 	 	 	 	784
	72	20.00	0.00	10.00	1	 	 	 	 	 	 	 	780
	73	20.00	 	2.00	1	 	 	 	 	 	 	 	702
	74	32.00	 	26.00	1	 	 	 	 	 	 	 	703
	75	9.00	 	0.00	1	 	 	 	 	 	 	 	728
	76	17.00	0.00	1.00	1	 	 	 	 	 	 	 	771
	77	1.00	0.00	3.00	1	 	 	 	 	 	 	 	765
	78	31.30	 	0.00	1	 	 	 	 	 	 	 	790
	79	9.92	12.00	0.00	1	20120227	 	 	 	 	 	 	759
	80	1.83	4.00	2.50	1	20120227	 	 	 	 	 	 	695
	81	2.00	 	2.50	1	20120227	 	 	 	 	 	 	768
	82	7.10	 	14.00	1	 	 	 	 	 	 	 	791
	83	4.00	 	0.00	1	20120227	 	 	 	 	 	 	792
	84	37.80	 	9.00	1	 	 	 	 	 	 	 	783
	85	3.00	3.00	3.25	1	 	 	 	 	 	 	 	797
	86	22.00	 	17.00	1	20120227	 	 	 	 	 	 	704
	87	5.00	10.00	0.00	1	20120227	 	 	 	 	 	 	784
	88	12.00	 	1.50	1	20120227	 	 	 	 	 	 	780
	89	2.50	 	1.00	1	20120227	 	 	 	 	 	 	778
	90	14.00	3.00	10.00	1	 	 	 	 	 	 	 	762
	91	1.70	 	2.00	1	 	 	 	 	 	 	 	756
	92	10.00	 	0.00	1	20120227	 	 	 	 	 	 	774
	93	31.00	 	0.00	1	20120227	 	 	 	 	 	 	793
	94	12.00	 	0.00	1	 	 	 	 	 	 	 	722
	95	1.30	5.00	0.00	1	 	 	 	 	 	 	 	762
	96	12.00	 	11.00	1	 	 	 	 	 	 	 	792
	97	11.00	 	0.00	1	 	 	 	 	 	 	 	772
	98	18.00	 	2.00	1	20120227	 	 	 	 	 	 	805
	99	12.00	7.00	2.50	1	20120227	 	 	 	 	 	 	728
	100	0.20	 	0.00	1	20120227	 	 	 	 	 	 	773
	101	1.50	1.00	0.00	1	 	 	 	 	 	 	 	772
	102	6.00	9.00	1.08	1	 	 	 	 	 	 	 	736
	103	0.67	 	0.33	1	 	 	 	 	 	 	 	721
	104	18.00	 	10.00	1	 	 	 	 	 	 	 	706
	105	4.10	 	13.00	1	 	 	 	 	 	 	 	788
	106	4.17	 	0.00	1	 	 	 	 	 	 	 	791
	107	35.00	 	6.00	1	20120227	 	 	 	 	 	 	737
	108	2.90	 	0.00	1	 	 	 	 	 	 	 	783
	109	13.00	 	0.00	1	 	 	 	 	 	 	 	775
	110	21.00	10.00	0.00	1	 	 	 	 	 	 	 	801
	111	11.00	2.00	0.00	1	 	 	 	 	 	 	 	779
	112	15.00	 	14.00	1	 	 	 	 	 	 	 	763
	113	4.00	 	0.00	1	 	 	 	 	 	 	 	801
	114	3.75	 	0.75	1	 	 	 	 	 	 	 	779
	115	2.50	 	6.50	1	 	 	 	 	 	 	 	779
	116	8.00	 	1.00	1	 	 	 	 	 	 	 	770
	117	9.00	5.00	5.00	1	 	 	 	 	 	 	 	795
	118	31.00	11.00	7.00	1	 	 	 	 	 	 	 	797
	119	2.00	 	0.17	1	 	 	 	 	 	 	 	771
	120	21.00	 	19.00	1	 	 	 	 	 	 	 	774
	121	7.00	 	0.67	1	 	 	 	 	 	 	 	760
	122	12.90	 	0.00	1	 	 	 	 	 	 	 	780
	123	22.00	22.00	16.00	1	 	 	 	 	 	 	 	754
	124	11.60	12.00	2.00	1	 	 	 	 	 	 	 	771
	125	20.00	 	12.00	1	 	 	 	 	 	 	 	793
	126	25.00	 	3.00	1	 	 	 	 	 	 	 	775
	127	15.00	 	11.00	1	 	 	 	 	 	 	 	783
	128	10.00	 	0.00	1	 	 	 	 	 	 	 	753
	129	29.00	0.00	0.00	1	 	 	 	 	 	 	 	766
	130	7.00	7.00	3.00	1	 	 	 	 	 	 	 	723
	131	20.00	2.00	10.00	1	 	 	 	 	 	 	 	765
	132	8.00	0.00	11.00	1	 	 	 	 	 	 	 	706
	133	1.00	1.00	11.00	1	 	 	 	 	 	 	 	745
	134	4.00	 	0.00	1	 	 	 	 	 	 	 	790
	135	25.00	25.00	19.00	1	 	 	 	 	 	 	 	769
	136	30.00	30.00	24.00	1	 	 	 	 	 	 	 	767
	137	24.00	24.00	0.00	1	 	 	 	 	 	 	 	787
	138	11.00	0.00	0.00	1	 	 	 	 	 	 	 	780
	139	9.00	7.00	0.00	1	 	 	 	 	 	 	 	809
	140	16.00	0.00	0.00	1	 	 	 	 	 	 	 	748
	141	0.00	28.00	2.00	1	 	 	 	 	 	 	 	786
	142	0.00	0.00	15.00	1	 	 	 	 	 	 	 	771
	143	16.00	 	0.00	1	 	 	 	 	 	 	 	764
	144	3.00	4.00	7.00	1	 	 	 	 	 	 	 	813
	145	0.00	0.00	5.00	1	 	 	 	 	 	 	 	792
	146	7.00	 	4.60	1	 	 	 	 	 	 	 	782
	147	3.10	0.00	3.00	1	 	 	 	 	 	 	 	772
	148	4.00	2.00	4.67	1	 	 	 	 	 	 	 	766
	149	0.00	0.00	22.00	1	 	 	 	 	 	 	 	797
	150	0.30	0.00	0.00	1	 	 	 	 	 	 	 	752
	151	6.50	7.00	0.00	1	 	 	 	 	 	 	 	792
	152	2.00	 	3.00	1	 	 	 	 	 	 	 	814
	153	7.00	0.00	4.00	1	 	 	 	 	 	 	 	773
	154	7.00	15.00	5.00	1	 	 	 	 	 	 	 	779
	155	6.00	 	6.00	1	 	 	 	 	 	 	 	801
	156	8.00	 	0.00	1	 	 	 	 	 	 	 	796
	157	3.00	0.00	0.00	1	 	 	 	 	 	 	 	788
	158	8.00	0.00	0.25	1	 	 	 	 	 	 	 	769
	159	7.00	0.00	2.00	1	 	 	 	 	 	 	 	770
	160	25.00	10.00	7.00	1	 	 	 	 	 	 	 	734
	161	9.00	2.59	3.00	1	 	 	 	 	 	 	 	746

 

	KEY	Most Recent
 Primary Borrower
 FICO	Most Recent Co-
 Borrower FICO	Most Recent FICO
 Method	VantageScore:
 Primary Borrower	VantageScore: Co-
 Borrower	Most Recent
 VantageScore
 Method	VantageScore Date	Credit Report:
 Longest Trade Line	Credit Report:
 Maximum Trade
 Line	Credit Report:
 Number of Trade
 Lines	Credit Line Usage
 Ratio
	1	 	 	 	 	 	 	 	 	 	 	 
	2	 	 	 	 	 	 	 	 	 	 	 
	3	 	 	 	 	 	 	 	 	 	 	 
	4	 	 	 	 	 	 	 	 	 	 	 
	5	 	 	 	 	 	 	 	 	 	 	 
	6	 	 	 	 	 	 	 	 	 	 	 
	7	 	 	 	 	 	 	 	 	 	 	 
	8	 	 	 	 	 	 	 	 	 	 	 
	9	 	 	 	 	 	 	 	 	 	 	 
	10	 	 	 	 	 	 	 	 	 	 	 
	11	 	 	 	 	 	 	 	 	 	 	 
	12	 	 	 	 	 	 	 	 	 	 	 
	13	 	 	 	 	 	 	 	 	 	 	 
	14	 	 	 	 	 	 	 	 	 	 	 
	15	 	 	 	 	 	 	 	 	 	 	 
	16	 	 	 	 	 	 	 	 	 	 	 
	17	 	 	 	 	 	 	 	 	 	 	 
	18	 	 	 	 	 	 	 	 	 	 	 
	19	 	 	 	 	 	 	 	 	 	 	 
	20	 	 	 	 	 	 	 	 	 	 	 
	21	 	 	 	 	 	 	 	 	 	 	 
	22	 	 	 	 	 	 	 	 	 	 	 
	23	 	 	 	 	 	 	 	 	 	 	 
	24	 	 	 	 	 	 	 	 	 	 	 
	25	 	 	 	 	 	 	 	 	 	 	 
	26	 	 	 	 	 	 	 	 	 	 	 
	27	 	 	 	 	 	 	 	 	 	 	 
	28	 	 	 	 	 	 	 	 	 	 	 
	29	 	 	 	 	 	 	 	 	 	 	 
	30	 	 	 	 	 	 	 	 	 	 	 
	31	 	 	 	 	 	 	 	 	 	 	 
	32	 	 	 	 	 	 	 	 	 	 	 
	33	 	 	 	 	 	 	 	 	 	 	 
	34	 	 	 	 	 	 	 	 	 	 	 
	35	 	 	 	 	 	 	 	 	 	 	 
	36	 	 	 	 	 	 	 	 	 	 	 
	37	 	 	 	 	 	 	 	 	 	 	 
	38	 	 	 	 	 	 	 	 	 	 	 
	39	763	 	 	 	 	 	 	 	 	 	 
	40	 	 	 	 	 	 	 	 	 	 	 
	41	 	 	 	 	 	 	 	 	 	 	 
	42	 	 	 	 	 	 	 	 	 	 	 
	43	 	 	 	 	 	 	 	 	 	 	 
	44	 	 	 	 	 	 	 	 	 	 	 
	45	 	 	 	 	 	 	 	 	 	 	 
	46	 	 	 	 	 	 	 	 	 	 	 
	47	 	 	 	 	 	 	 	 	 	 	 
	48	 	 	 	 	 	 	 	 	 	 	 
	49	 	 	 	 	 	 	 	 	 	 	 
	50	 	 	 	 	 	 	 	 	 	 	 
	51	 	 	 	 	 	 	 	 	 	 	 
	52	 	 	 	 	 	 	 	 	 	 	 
	53	 	 	 	 	 	 	 	 	 	 	 
	54	 	 	 	 	 	 	 	 	 	 	 
	55	 	 	 	 	 	 	 	 	 	 	 
	56	 	 	 	 	 	 	 	 	 	 	 
	57	 	 	 	 	 	 	 	 	 	 	 
	58	 	 	 	 	 	 	 	 	 	 	 
	59	 	 	 	 	 	 	 	 	 	 	 
	60	 	 	 	 	 	 	 	 	 	 	 
	61	 	 	 	 	 	 	 	 	 	 	 
	62	 	 	 	 	 	 	 	 	 	 	 
	63	 	 	 	 	 	 	 	 	 	 	 
	64	 	 	 	 	 	 	 	 	 	 	 
	65	 	 	 	 	 	 	 	 	 	 	 
	66	 	 	 	 	 	 	 	 	 	 	 
	67	 	 	 	 	 	 	 	 	 	 	 
	68	 	 	 	 	 	 	 	 	 	 	 
	69	 	 	 	 	 	 	 	 	 	 	 
	70	 	 	 	 	 	 	 	 	 	 	 
	71	 	 	 	 	 	 	 	 	 	 	 
	72	 	 	 	 	 	 	 	 	 	 	 
	73	 	 	 	 	 	 	 	 	 	 	 
	74	 	 	 	 	 	 	 	 	 	 	 
	75	 	 	 	 	 	 	 	 	 	 	 
	76	 	 	 	 	 	 	 	 	 	 	 
	77	 	 	 	 	 	 	 	 	 	 	 
	78	 	 	 	 	 	 	 	 	 	 	 
	79	771	 	 	 	 	 	 	 	 	 	 
	80	713	 	 	 	 	 	 	 	 	 	 
	81	760	 	 	 	 	 	 	 	 	 	 
	82	 	 	 	 	 	 	 	 	 	 	 
	83	801	 	 	 	 	 	 	 	 	 	 
	84	 	 	 	 	 	 	 	 	 	 	 
	85	 	 	 	 	 	 	 	 	 	 	 
	86	750	 	 	 	 	 	 	 	 	 	 
	87	781	 	 	 	 	 	 	 	 	 	 
	88	791	 	 	 	 	 	 	 	 	 	 
	89	773	 	 	 	 	 	 	 	 	 	 
	90	 	 	 	 	 	 	 	 	 	 	 
	91	 	 	 	 	 	 	 	 	 	 	 
	92	769	 	 	 	 	 	 	 	 	 	 
	93	786	 	 	 	 	 	 	 	 	 	 
	94	 	 	 	 	 	 	 	 	 	 	 
	95	 	 	 	 	 	 	 	 	 	 	 
	96	 	 	 	 	 	 	 	 	 	 	 
	97	 	 	 	 	 	 	 	 	 	 	 
	98	802	 	 	 	 	 	 	 	 	 	 
	99	751	 	 	 	 	 	 	 	 	 	 
	100	773	 	 	 	 	 	 	 	 	 	 
	101	 	 	 	 	 	 	 	 	 	 	 
	102	 	 	 	 	 	 	 	 	 	 	 
	103	 	 	 	 	 	 	 	 	 	 	 
	104	 	 	 	 	 	 	 	 	 	 	 
	105	 	 	 	 	 	 	 	 	 	 	 
	106	 	 	 	 	 	 	 	 	 	 	 
	107	743	 	 	 	 	 	 	 	 	 	 
	108	 	 	 	 	 	 	 	 	 	 	 
	109	 	 	 	 	 	 	 	 	 	 	 
	110	 	 	 	 	 	 	 	 	 	 	 
	111	 	 	 	 	 	 	 	 	 	 	 
	112	 	 	 	 	 	 	 	 	 	 	 
	113	 	 	 	 	 	 	 	 	 	 	 
	114	 	 	 	 	 	 	 	 	 	 	 
	115	 	 	 	 	 	 	 	 	 	 	 
	116	 	 	 	 	 	 	 	 	 	 	 
	117	 	 	 	 	 	 	 	 	 	 	 
	118	 	 	 	 	 	 	 	 	 	 	 
	119	 	 	 	 	 	 	 	 	 	 	 
	120	 	 	 	 	 	 	 	 	 	 	 
	121	 	 	 	 	 	 	 	 	 	 	 
	122	 	 	 	 	 	 	 	 	 	 	 
	123	 	 	 	 	 	 	 	 	 	 	 
	124	 	 	 	 	 	 	 	 	 	 	 
	125	 	 	 	 	 	 	 	 	 	 	 
	126	 	 	 	 	 	 	 	 	 	 	 
	127	 	 	 	 	 	 	 	 	 	 	 
	128	 	 	 	 	 	 	 	 	 	 	 
	129	 	 	 	 	 	 	 	 	 	 	 
	130	 	 	 	 	 	 	 	 	 	 	 
	131	 	 	 	 	 	 	 	 	 	 	 
	132	 	 	 	 	 	 	 	 	 	 	 
	133	 	 	 	 	 	 	 	 	 	 	 
	134	 	 	 	 	 	 	 	 	 	 	 
	135	 	 	 	 	 	 	 	 	 	 	 
	136	 	 	 	 	 	 	 	 	 	 	 
	137	 	 	 	 	 	 	 	 	 	 	 
	138	 	 	 	 	 	 	 	 	 	 	 
	139	 	 	 	 	 	 	 	 	 	 	 
	140	 	 	 	 	 	 	 	 	 	 	 
	141	 	 	 	 	 	 	 	 	 	 	 
	142	 	 	 	 	 	 	 	 	 	 	 
	143	 	 	 	 	 	 	 	 	 	 	 
	144	 	 	 	 	 	 	 	 	 	 	 
	145	 	 	 	 	 	 	 	 	 	 	 
	146	 	 	 	 	 	 	 	 	 	 	 
	147	 	 	 	 	 	 	 	 	 	 	 
	148	 	 	 	 	 	 	 	 	 	 	 
	149	 	 	 	 	 	 	 	 	 	 	 
	150	 	 	 	 	 	 	 	 	 	 	 
	151	 	 	 	 	 	 	 	 	 	 	 
	152	 	 	 	 	 	 	 	 	 	 	 
	153	 	 	 	 	 	 	 	 	 	 	 
	154	 	 	 	 	 	 	 	 	 	 	 
	155	 	 	 	 	 	 	 	 	 	 	 
	156	 	 	 	 	 	 	 	 	 	 	 
	157	 	 	 	 	 	 	 	 	 	 	 
	158	 	 	 	 	 	 	 	 	 	 	 
	159	 	 	 	 	 	 	 	 	 	 	 
	160	 	 	 	 	 	 	 	 	 	 	 
	161	 	 	 	 	 	 	 	 	 	 	 

 

	KEY	Most Recent 12-
 month Pay History	Months Bankruptcy	Months Foreclosure	Primary Borrower
 Wage Income	Co-Borrower Wage
 Income	Primary Borrower
 Other Income	Co-Borrower Other
 Income	All Borrower Wage
 Income	All Borrower Total
 Income
	1	000000000000	 	 	2,259.80	957.00	17,418.93	0.00	3,216.80	20,635.73
	2	000000000000	 	 	20,433.87	0.00	-1,432.93	0.00	20,433.87	19,000.94
	3	000000000000	 	 	17,774.62	 	0.00	 	17,774.62	17,774.62
	4	000000000000	 	 	9,033.19	4,051.66	4,218.16	0.00	13,084.85	17,303.01
	5	000000000000	 	 	25,669.00	8,025.00	-1,161.00	0.00	33,694.00	32,533.00
	6	000000000000	 	 	0.00	14,043.67	0.00	3,293.67	14,043.67	17,337.34
	7	000000000000	 	 	40,368.50	 	0.00	 	40,368.50	40,368.50
	8	000000000000	 	 	20,000.00	0.00	0.00	-178.00	20,000.00	19,822.04
	9	000000000000	 	 	31,438.46	0.00	3,616.00	0.00	31,438.46	35,054.46
	10	000000000000	 	 	15,000.00	6,500.00	0.00	0.00	21,500.00	21,500.00
	11	000000000000	 	 	15,082.00	0.00	3,024.17	1,151.08	15,082.00	19,257.25
	12	000000000000	 	 	34,488.00	-471.00	5,722.00	0.00	34,017.00	39,739.00
	13	000000000000	 	 	13,333.34	3,968.00	0.00	0.00	17,301.34	17,301.01
	14	000000000000	 	 	22,083.34	0.00	5,918.95	0.00	22,083.34	28,002.29
	15	000000000000	 	 	8,756.00	9,358.33	108.33	1,475.38	18,114.33	19,698.04
	16	000000000000	 	 	12,072.92	8,333.33	0.00	0.00	20,406.25	20,406.25
	17	000000000000	 	 	14,737.19	12,916.67	0.00	0.00	27,653.86	27,653.86
	18	000000000000	 	 	13,749.99	0.00	0.00	0.00	13,749.99	13,749.99
	19	000000000000	 	 	20,950.00	 	-1,149.25	 	20,950.00	19,800.75
	20	000000000000	 	 	10,583.34	0.00	16,514.74	0.00	10,583.34	27,098.08
	21	000000000000	 	 	31,041.67	0.00	0.00	0.00	31,041.67	31,041.67
	22	000000000000	 	 	80,047.96	0.00	0.00	0.00	80,047.96	80,047.96
	23	000000000000	 	 	15,130.96	-3,908.75	-1,056.29	0.00	11,222.21	10,165.92
	24	000000000000	 	 	3,201.25	0.00	5,488.54	0.00	3,201.25	8,689.79
	25	000000000000	 	 	18,750.00	 	0.00	 	18,750.00	18,750.00
	26	000000000000	 	 	13,344.49	 	456.00	 	13,344.49	13,800.49
	27	000000000000	 	 	19,048.00	 	119,187.00	 	19,048.00	138,235.00
	28	000000000000	 	 	48,879.00	 	-9,204.00	 	48,879.00	39,675.00
	29	000000000000	 	 	16,666.66	0.00	32,125.00	0.00	16,666.66	48,791.66
	30	000000000000	 	 	26,830.00	0.00	0.00	0.00	26,830.00	26,830.00
	31	000000000000	 	 	23,177.00	0.00	12,174.42	0.00	23,177.00	35,351.42
	32	000000000000	 	 	18,454.15	 	-477.33	 	18,454.15	17,976.82
	33	000000000000	 	 	25,908.34	0.00	0.00	0.00	25,908.34	25,908.34
	34	000000000000	 	 	37,429.05	0.00	0.00	0.00	37,429.05	37,429.05
	35	000000000000	 	 	25,000.02	0.00	0.00	0.00	25,000.02	25,000.02
	36	000000000000	 	 	19,750.00	0.00	0.00	0.00	19,750.00	19,750.00
	37	000000000000	 	 	20,826.17	 	1,146.77	 	20,826.17	21,972.94
	38	000000000000	 	 	22,278.17	 	0.00	 	22,278.17	22,278.17
	39	000000000000	 	 	14,923.00	0.00	0.00	0.00	14,923.00	14,923.00
	40	000000000000	 	 	157,825.08	0.00	0.00	0.00	157,825.08	157,825.08
	41	000000000000	 	 	18,692.30	 	0.00	 	18,692.30	18,692.30
	42	000000000000	 	 	20,416.33	 	0.00	 	20,416.33	20,416.33
	43	000000000000	 	 	8,204.75	0.00	24,790.25	0.00	8,204.75	32,995.00
	44	000000000000	 	 	20,264.70	 	9,515.74	 	20,264.70	29,780.44
	45	000000000000	 	 	27,468.90	 	3,131.25	 	27,468.90	30,600.15
	46	000000000000	 	 	7,234.00	5,342.00	618.00	0.00	12,576.00	13,194.00
	47	000000000000	 	 	42,833.00	0.00	614.00	0.00	42,833.00	43,447.00
	48	000000000000	 	 	11,253.00	 	6,303.00	 	11,253.00	17,556.00
	49	000000000000	 	 	9,666.66	23,124.00	0.00	0.00	32,790.66	32,790.66
	50	000000000000	 	 	9,281.40	10,616.93	0.00	0.00	19,898.33	19,898.33
	51	000000000000	 	 	8,813.87	0.00	644.45	0.00	8,813.87	9,458.32
	52	000000000000	 	 	49,301.00	0.00	0.00	0.00	49,301.00	49,301.00
	53	000000000000	 	 	33,678.00	0.00	-1,386.97	0.00	33,678.00	32,291.03
	54	000000000000	 	 	47,208.33	 	-4,155.79	 	47,208.33	43,052.54
	55	000000000000	 	 	83,944.00	 	-9,222.00	 	83,944.00	74,722.00
	56	000000000000	 	 	15,335.00	0.00	0.00	0.00	15,335.00	15,335.00
	57	000000000000	 	 	10,247.00	0.00	2,623.00	0.00	10,247.00	12,870.00
	58	000000000000	 	 	8,663.30	10,207.60	-2,509.00	0.00	18,870.90	16,361.90
	59	000000000000	 	 	19,754.89	 	-2,455.68	 	19,754.89	17,299.21
	60	000000000000	 	 	17,217.00	2,500.00	-2,375.23	0.00	19,717.00	17,341.77
	61	000000000000	 	 	19,166.67	0.00	0.00	0.00	19,166.67	19,166.67
	62	000000000000	 	 	4,851.00	5,401.38	-295.00	0.00	10,252.38	9,957.38
	63	000000000000	 	 	14,961.00	15,582.00	-1,235.00	0.00	30,543.00	29,308.00
	64	000000000000	 	 	5,364.67	0.00	27,428.90	0.00	5,364.67	32,793.57
	65	000000000000	 	 	11,499.31	 	0.00	 	11,499.31	11,499.31
	66	000000000000	 	 	41,350.00	0.00	0.00	0.00	41,350.00	41,350.00
	67	000000000000	 	 	10,729.67	 	0.00	 	10,729.67	10,729.67
	68	000000000000	 	 	0.00	1,230.83	12,819.98	0.00	1,230.83	14,050.81
	69	000000000000	 	 	20,683.81	0.00	0.00	0.00	20,683.81	20,683.81
	70	000000000000	 	 	35,332.44	0.00	0.00	0.00	35,332.44	35,332.44
	71	000000000000	 	 	33,650.00	0.00	3,418.00	0.00	33,650.00	37,068.00
	72	000000000000	 	 	12,691.31	0.00	0.00	0.00	12,691.31	12,691.31
	73	000000000000	 	 	8,161.33	 	0.00	 	8,161.33	8,161.33
	74	000000000000	 	 	16,740.00	 	1,699.00	 	16,740.00	18,439.00
	75	000000000000	 	 	26,038.93	 	0.00	 	26,038.93	26,038.93
	76	000000000000	 	 	123,062.77	0.00	-5,362.00	0.00	123,062.77	117,700.77
	77	000000000000	 	 	16,666.66	0.00	0.00	0.00	16,666.66	16,666.66
	78	000000000000	 	 	21,333.33	0.00	0.00	0.00	21,333.33	21,333.33
	79	000000000000	 	 	38,912.00	4,333.00	-788.00	973.00	43,245.00	43,430.75
	80	000000000000	 	 	23,493.00	16,675.00	2,608.00	0.00	40,168.00	42,776.00
	81	000000000000	 	 	29,083.34	 	0.00	 	29,083.34	29,083.34
	82	000000000000	 	 	20,356.12	0.00	7,006.29	0.00	20,356.12	27,362.41
	83	000000000000	 	 	13,025.00	0.00	0.00	0.00	13,025.00	13,025.00
	84	000000000000	 	 	18,400.81	0.00	0.00	0.00	18,400.81	18,400.81
	85	000000000000	 	 	23,192.34	31,550.00	0.00	-241.00	54,742.34	54,501.09
	86	000000000000	 	 	19,166.68	0.00	-1,306.33	0.00	19,166.68	17,860.35
	87	000000000000	 	 	17,657.00	11,407.00	0.00	0.00	29,064.00	29,064.00
	88	000000000000	 	 	12,859.40	0.00	83,195.71	0.00	12,859.40	96,055.11
	89	000000000000	 	 	36,863.00	 	359.00	 	36,863.00	37,222.00
	90	000000000000	 	 	14,600.00	12,833.00	0.00	0.00	27,433.00	27,433.00
	91	000000000000	 	 	49,334.13	 	0.00	 	49,334.13	49,334.13
	92	000000000000	 	 	104,862.00	 	0.00	 	104,862.00	104,862.00
	93	000000000000	 	 	36,791.00	 	13,916.34	 	36,791.00	50,707.34
	94	000000000000	 	 	43,548.46	 	0.00	 	43,548.46	43,548.46
	95	000000000000	 	 	6,000.00	12,750.00	16.83	-292.00	18,750.00	18,475.26
	96	000000000000	 	 	6,125.00	 	9,712.00	 	6,125.00	15,837.00
	97	000000000000	 	 	18,333.34	0.00	15,591.30	-453.00	18,333.34	33,471.64
	98	000000000000	 	 	0.00	 	59,182.00	 	0.00	59,182.00
	99	000000000000	 	 	35,000.00	10,000.00	0.00	0.00	45,000.00	45,000.00
	100	000000000000	 	 	11,666.67	0.00	0.00	0.00	11,666.67	11,666.67
	101	000000000000	 	 	29,054.91	7,500.00	-1,399.38	0.00	36,554.91	35,155.53
	102	000000000000	 	 	57,141.00	5,661.00	0.00	0.00	62,802.00	62,802.00
	103	000000000000	 	 	12,916.66	 	0.00	 	12,916.66	12,916.66
	104	000000000000	 	 	26,084.63	 	0.00	 	26,084.63	26,084.63
	105	000000000000	 	 	17,614.13	 	0.00	 	17,614.13	17,614.13
	106	000000000000	 	 	15,416.67	 	1,474.58	 	15,416.67	16,891.25
	107	000000000000	 	 	12,408.34	0.00	4,684.29	0.00	12,408.34	17,092.63
	108	000000000000	 	 	10,499.99	 	19,807.49	 	10,499.99	30,307.48
	109	000000000000	 	 	17,333.34	 	15,595.63	 	17,333.34	32,928.97
	110	000000000000	 	 	18,297.00	6,240.00	-146.00	-28.00	24,537.00	24,363.25
	111	000000000000	 	 	16,665.00	10,000.00	0.00	-443.00	26,665.00	26,222.21
	112	000000000000	 	 	14,924.57	 	2,327.00	 	14,924.57	17,251.57
	113	000000000000	 	 	26,000.00	 	0.00	 	26,000.00	26,000.00
	114	000000000000	 	 	18,750.00	 	1,666.67	 	18,750.00	20,416.67
	115	000000000000	 	 	21,326.52	0.00	-6.50	0.00	21,326.52	21,320.02
	116	000000000000	 	 	25,604.00	 	35,148.00	 	25,604.00	60,752.00
	117	000000000000	 	 	0.00	16,022.50	8,722.96	0.00	16,022.50	24,745.46
	118	000000000000	 	 	0.00	0.00	8,367.00	3,302.00	0.00	11,669.00
	119	000000000000	 	 	0.00	0.00	-550.50	46,931.33	0.00	46,380.83
	120	000000000000	 	 	3,412.00	 	7,086.00	 	3,412.00	10,498.00
	121	000000000000	 	 	0.00	 	32,552.00	 	0.00	32,552.00
	122	000000000000	 	 	14,397.17	0.00	5,364.35	0.00	14,397.17	19,761.52
	123	000000000000	 	 	12,135.04	4,164.36	0.00	0.00	16,299.40	16,299.40
	124	000000000000	 	 	11,574.00	2,484.00	2,484.00	0.00	14,058.00	16,542.00
	125	000000000000	 	 	17,014.00	 	0.00	 	17,014.00	17,014.00
	126	000000000000	 	 	35,166.00	 	-700.00	 	35,166.00	34,466.00
	127	000000000000	 	 	14,916.67	 	4,419.81	 	14,916.67	19,336.48
	128	000000000000	 	 	22,112.28	 	0.00	 	22,112.28	22,112.28
	129	000000000000	 	 	73,646.21	0.00	16,788.00	0.00	73,646.21	90,434.21
	130	000000000000	 	 	12,659.56	12,723.68	-645.35	0.00	25,383.24	24,737.89
	131	000000000000	 	 	14,831.00	648.00	0.00	0.00	15,479.00	15,479.00
	132	000000000000	 	 	18,750.00	0.00	0.00	0.00	18,750.00	18,750.00
	133	000000000000	 	 	16,293.41	5,416.66	0.00	0.00	21,710.07	21,710.07
	134	000000000000	 	 	10,877.75	 	16,255.65	 	10,877.75	27,133.40
	135	000000000000	 	 	17,698.00	10,189.00	-2,661.00	1,143.00	27,887.00	26,369.00
	136	000000000000	 	 	5,583.67	5,583.67	4,233.00	0.00	11,167.34	15,400.34
	137	000000000000	 	 	10,208.69	9,130.43	0.00	0.00	19,339.12	19,339.12
	138	000000000000	 	 	33,800.00	0.00	-3,107.07	0.00	33,800.00	30,692.93
	139	000000000000	 	 	6,642.50	0.00	-1,568.00	14,077.00	6,642.50	19,151.50
	140	000000000000	 	 	44,173.14	0.00	0.00	0.00	44,173.14	44,173.14
	141	000000000000	 	 	5,045.46	22,416.00	-3,476.09	0.00	27,461.46	23,985.37
	142	000000000000	 	 	6,802.24	0.00	6,707.83	0.00	6,802.24	13,510.07
	143	000000000000	 	 	16,878.73	2,740.96	0.00	0.00	19,619.69	19,619.69
	144	000000000000	 	 	0.00	0.00	6,209.08	7,103.12	0.00	13,312.20
	145	000000000000	 	 	0.00	0.00	15,764.14	0.00	0.00	15,764.14
	146	000000000000	 	 	14,396.00	 	0.00	 	14,396.00	14,396.00
	147	000000000000	 	 	24,583.33	0.00	-462.67	0.00	24,583.33	24,120.66
	148	000000000000	 	 	34,483.25	-57.33	-134.35	0.00	34,425.92	34,291.57
	149	000000000000	 	 	0.00	0.00	6,138.80	1,334.38	0.00	7,473.18
	150	000000000000	 	 	17,916.67	0.00	0.00	0.00	17,916.67	17,916.67
	151	000000000000	 	 	15,773.34	16,778.08	0.00	0.00	32,551.42	32,551.42
	152	000000000000	 	 	21,923.08	 	-2,528.54	 	21,923.08	19,394.54
	153	000000000000	 	 	10,157.83	0.00	5,412.85	0.00	10,157.83	15,570.68
	154	000000000000	 	 	1,970.00	16,723.17	-690.99	0.00	18,693.17	18,002.18
	155	000000000000	 	 	0.00	 	10,861.50	 	0.00	10,861.50
	156	000000000000	 	 	12,500.02	 	0.00	 	12,500.02	12,500.02
	157	000000000000	 	 	17,136.95	7,399.58	-3,425.28	0.00	24,536.53	21,111.25
	158	000000000000	 	 	41,666.67	0.00	0.00	0.00	41,666.67	41,666.67
	159	000000000000	 	 	48,413.49	0.00	0.00	0.00	48,413.49	48,413.49
	160	000000000000	 	 	33,797.29	1,015.72	-4,354.00	0.00	34,813.01	30,459.01
	161	000000000000	 	 	10,000.00	15,134.00	0.00	0.00	25,134.00	25,134.00

 

	KEY	4506-T Indicator	Borrower Income
 Verification Level	Co-Borrower
 Income Verification	Borrower
 Employment
 Verification	Co-Borrower
 Employment
 Verification	Borrower Asset
 Verification	Co-Borrower Asset
 Verification	Liquid / Cash
 Reserves	Monthly Debt All
 Borrowers	Originator DTI	Fully Indexed Rate	Qualification
 Method	Percentage of Down
 Payment from
 Borrower Own
 Funds
	1	1	5	 	3	 	4	 	4,474,985.07	8,317.79	0.4031	 	 	 
	2	1	5	 	3	 	4	 	262,782.92	6,523.44	0.3433	 	 	 
	3	1	5	 	3	 	3	 	95,703.82	7,188.31	0.4044	 	 	 
	4	1	5	 	3	 	4	 	328,513.08	7,679.66	0.4438	 	 	 
	5	1	5	 	3	 	4	 	118,896.00	6,858.54	0.2108	 	 	 
	6	1	5	 	3	 	4	 	125,324.73	4,880.24	0.2815	 	 	 
	7	1	5	 	3	 	4	 	60,342.44	6,597.22	0.1634	 	 	 
	8	1	5	 	3	 	4	 	135,565.45	6,463.55	0.3261	 	 	100.00
	9	1	5	 	3	 	4	 	299,708.43	8,349.27	0.2382	 	 	 
	10	1	5	 	3	 	4	 	117,327.17	7,095.00	0.3300	 	 	100.00
	11	1	5	 	3	 	4	 	123,604.18	4,926.00	0.2558	 	 	 
	12	1	5	 	3	 	4	 	373,223.65	10,272.53	0.2585	 	 	100.00
	13	1	5	 	3	 	3	 	48,903.32	6,225.54	0.3598	 	 	 
	14	1	5	 	3	 	4	 	314,156.86	9,144.51	0.3266	 	 	67.62
	15	1	5	 	3	 	4	 	206,131.85	7,940.28	0.4031	 	 	100.00
	16	1	5	 	3	 	4	 	79,838.53	5,019.94	0.2460	 	 	 
	17	1	5	 	3	 	4	 	377,463.22	6,907.93	0.2498	 	 	 
	18	1	5	 	3	 	4	 	220,501.78	4,310.62	0.3135	 	 	 
	19	1	5	 	3	 	4	 	387,228.93	6,068.93	0.3065	 	 	 
	20	1	5	 	3	 	4	 	188,230.60	9,113.08	0.3363	 	 	 
	21	1	5	 	3	 	4	 	382,416.43	11,134.65	0.3587	 	 	 
	22	1	5	 	3	 	4	 	68,587.37	6,700.01	0.0837	 	 	 
	23	1	5	 	3	 	4	 	167,636.83	4,443.52	0.4371	 	 	 
	24	1	5	 	3	 	3	 	70,387.49	3,368.29	0.3876	 	 	 
	25	1	5	 	3	 	4	 	85,617.93	4,492.59	0.2396	 	 	100.00
	26	1	5	 	3	 	4	 	134,811.83	5,840.68	0.4232	 	 	100.00
	27	1	5	 	3	 	4	 	403,264.01	5,413.42	0.0392	 	 	100.00
	28	1	5	 	3	 	4	 	199,468.41	16,251.04	0.4096	 	 	 
	29	1	5	 	3	 	4	 	298,805.51	19,977.99	0.4095	 	 	 
	30	1	5	 	3	 	3	 	157,552.17	8,599.02	0.3205	 	 	 
	31	1	4	 	2	 	3	 	3,927,103.63	12,012.41	0.3398	 	 	 
	32	1	5	 	3	 	4	 	136,622.45	6,293.68	0.3501	 	 	 
	33	1	5	 	3	 	4	 	61,586.79	6,946.03	0.2681	 	 	 
	34	1	5	 	3	 	4	 	664,231.87	6,138.36	0.1640	 	 	 
	35	1	5	 	3	 	4	 	77,435.30	9,542.51	0.3817	 	 	 
	36	1	5	 	3	 	4	 	551,538.47	6,904.60	0.3496	 	 	 
	37	1	5	 	3	 	3	 	398,574.74	7,534.52	0.3429	 	 	100.00
	38	1	5	 	3	 	4	 	102,990.21	5,308.89	0.2383	 	 	 
	39	1	5	 	3	 	4	 	29,159.96	4,849.05	0.3249	 	 	100.00
	40	1	5	 	3	 	4	 	1,848,392.86	9,307.42	0.0590	 	 	 
	41	1	5	 	3	 	4	 	997,355.82	6,630.20	0.3547	 	 	 
	42	1	5	 	3	 	4	 	194,291.58	6,329.18	0.3100	 	 	 
	43	1	5	 	3	 	4	 	76,889.55	11,734.21	0.3556	 	 	100.00
	44	1	5	 	3	 	4	 	41,713.14	6,986.13	0.2346	 	 	100.00
	45	1	5	 	3	 	4	 	226,316.04	5,062.06	0.1654	 	 	 
	46	1	5	 	3	 	4	 	218,608.00	5,895.69	0.4468	 	 	 
	47	1	5	 	3	 	4	 	98,723.31	15,541.56	0.3577	 	 	 
	48	1	5	 	3	 	4	 	3,162,829.97	6,071.27	0.3458	 	 	 
	49	1	5	 	3	 	4	 	65,915.53	7,516.18	0.2292	 	 	 
	50	1	5	 	3	 	4	 	528,786.51	7,098.91	0.3568	 	 	 
	51	1	5	 	3	 	4	 	206,869.27	4,837.68	0.5115	 	 	 
	52	1	5	 	3	 	4	 	396,691.77	15,776.02	0.3200	 	 	 
	53	1	5	 	3	 	4	 	598,974.41	12,522.53	0.3878	 	 	 
	54	1	5	 	3	 	4	 	525,078.50	10,320.17	0.2397	 	 	100.00
	55	1	5	 	3	 	4	 	8,697,722.52	15,526.04	0.2078	 	 	100.00
	56	1	5	 	3	 	4	 	252,391.00	6,823.52	0.4450	 	 	100.00
	57	1	5	 	3	 	4	 	2,596,544.13	5,738.41	0.4459	 	 	 
	58	1	5	 	3	 	4	 	110,758.21	6,578.15	0.4020	 	 	 
	59	1	5	 	3	 	4	 	126,869.54	7,444.91	0.4304	 	 	100.00
	60	1	5	 	3	 	4	 	200,782.92	7,609.05	0.4388	 	 	 
	61	1	4	 	3	 	4	 	288,476.00	4,813.82	0.2512	 	 	100.00
	62	1	5	 	3	 	4	 	71,678.00	4,066.07	0.4083	 	 	 
	63	1	5	 	3	 	4	 	192,751.00	7,412.08	0.2529	 	 	 
	64	1	5	 	3	 	4	 	212,636.37	7,911.97	0.2413	 	 	 
	65	1	5	 	3	 	4	 	50,811.00	4,109.49	0.3574	 	 	87.38
	66	1	5	 	3	 	4	 	78,750.65	6,786.16	0.1641	 	 	 
	67	1	5	 	3	 	4	 	35,439.01	5,066.22	0.4722	 	 	 
	68	1	5	 	3	 	4	 	169,896.41	4,968.76	0.3536	 	 	100.00
	69	1	5	 	3	 	4	 	657,021.47	6,552.20	0.3168	 	 	 
	70	1	5	 	3	 	4	 	130,404.31	11,824.28	0.3347	 	 	100.00
	71	1	5	 	3	 	4	 	2,497,614.57	9,938.23	0.2681	 	 	 
	72	1	5	 	3	 	4	 	131,361.02	4,597.93	0.3623	 	 	 
	73	1	5	 	3	 	4	 	18,850.79	3,666.92	0.4493	 	 	 
	74	1	5	 	3	 	4	 	345,940.63	6,253.62	0.3392	 	 	 
	75	1	5	 	3	 	4	 	54,694.89	7,698.23	0.2956	 	 	100.00
	76	1	5	 	3	 	4	 	480,701.28	14,498.38	0.1232	 	 	 
	77	1	5	 	3	 	4	 	60,698.00	6,064.01	0.3638	 	 	 
	78	1	5	 	3	 	4	 	111,601.22	6,111.04	0.2865	 	 	100.00
	79	1	5	 	3	 	4	 	279,884.78	9,014.83	0.2076	 	 	100.00
	80	1	5	 	3	 	4	 	1,004,521.62	7,361.49	0.1721	 	 	 
	81	1	5	 	3	 	4	 	203,076.44	6,353.37	0.2185	 	 	 
	82	1	5	 	3	 	4	 	355,195.03	8,840.79	0.3231	 	 	 
	83	1	5	 	3	 	3	 	119,289.46	3,664.56	0.2813	 	 	100.00
	84	1	5	 	3	 	4	 	37,088.68	3,948.67	0.2146	 	 	 
	85	1	5	 	3	 	4	 	252,889.05	11,142.86	0.2045	 	 	 
	86	1	5	 	3	 	4	 	270,136.43	7,752.98	0.4341	 	 	 
	87	1	5	 	3	 	4	 	60,232.22	7,020.26	0.2415	 	 	100.00
	88	1	5	 	3	 	4	 	223,202.19	6,983.40	0.0727	 	 	 
	89	1	5	 	3	 	4	 	102,644.87	9,187.39	0.2468	 	 	 
	90	1	5	 	3	 	4	 	46,796.58	6,845.25	0.2495	 	 	 
	91	1	5	 	3	 	4	 	165,835.62	9,218.23	0.1869	 	 	 
	92	1	5	 	3	 	4	 	296,829.31	8,279.48	0.0790	 	 	100.00
	93	1	5	 	3	 	4	 	1,250,175.45	14,557.32	0.2871	 	 	100.00
	94	1	5	 	3	 	4	 	495,337.93	8,236.80	0.1891	 	 	100.00
	95	1	5	 	3	 	4	 	92,901.94	5,222.96	0.2827	 	 	100.00
	96	1	5	 	3	 	4	 	27,100.76	5,590.60	0.3530	 	 	 
	97	1	5	 	3	 	4	 	1,154,856.94	9,735.80	0.2909	 	 	100.00
	98	1	5	 	3	 	4	 	171,003.20	10,790.18	0.1823	 	 	 
	99	1	5	 	3	 	4	 	311,841.66	14,703.48	0.3267	 	 	 
	100	1	5	 	3	 	4	 	112,257.19	5,141.12	0.4407	 	 	100.00
	101	1	5	 	3	 	4	 	161,874.51	8,085.91	0.2300	 	 	100.00
	102	1	5	 	3	 	4	 	150,659.29	16,631.04	0.2648	 	 	 
	103	1	5	 	3	 	4	 	130,332.66	6,310.31	0.4885	 	 	 
	104	1	5	 	3	 	4	 	731,450.00	11,808.46	0.4527	 	 	 
	105	1	5	 	3	 	4	 	271,307.75	3,497.51	0.1986	 	 	 
	106	1	5	 	3	 	4	 	132,627.07	7,161.74	0.4240	 	 	100.00
	107	1	5	 	3	 	4	 	37,829.16	6,940.33	0.4060	 	 	 
	108	1	5	 	3	 	4	 	127,352.59	10,629.89	0.3507	 	 	100.00
	109	1	5	 	3	 	4	 	49,416.98	11,418.71	0.3468	 	 	24.34
	110	1	5	 	3	 	4	 	1,301,717.58	8,784.10	0.3605	 	 	100.00
	111	1	5	 	3	 	4	 	222,890.49	7,619.52	0.2906	 	 	100.00
	112	1	5	 	3	 	4	 	138,040.63	7,380.45	0.4278	 	 	 
	113	1	5	 	3	 	4	 	113,256.01	10,448.98	0.4019	 	 	100.00
	114	1	5	 	3	 	4	 	101,684.84	9,152.79	0.4483	 	 	 
	115	1	5	 	3	 	4	 	355,350.36	6,174.28	0.2896	 	 	 
	116	1	5	 	3	 	4	 	341,223.28	25,442.94	0.4188	 	 	 
	117	1	5	 	3	 	4	 	597,688.86	5,146.24	0.2080	 	 	 
	118	1	5	 	3	 	4	 	198,599.91	4,073.86	0.3491	 	 	 
	119	1	5	 	3	 	4	 	3,109,687.56	7,402.38	0.1596	 	 	 
	120	1	5	 	3	 	4	 	543,900.17	4,620.09	0.4401	 	 	 
	121	1	5	 	3	 	4	 	75,803.25	6,162.91	0.1893	 	 	 
	122	1	5	 	3	 	4	 	187,561.55	9,102.16	0.4606	 	 	67.00
	123	1	5	 	3	 	4	 	82,657.47	6,804.05	0.4174	 	 	 
	124	1	5	 	3	 	4	 	1,787,153.97	4,904.70	0.2965	 	 	 
	125	1	5	 	3	 	4	 	208,052.21	9,761.90	0.5738	 	 	 
	126	1	5	 	3	 	4	 	260,955.78	10,751.53	0.3119	 	 	 
	127	1	5	 	3	 	4	 	509,554.27	7,237.01	0.3743	 	 	 
	128	1	5	 	3	 	4	 	77,307.85	8,408.31	0.3803	 	 	93.66
	129	1	5	 	3	 	4	 	1,877,850.30	12,362.99	0.1367	 	 	100.00
	130	1	5	 	3	 	4	 	145,047.52	7,075.26	0.2860	 	 	 
	131	1	5	 	3	 	4	 	98,869.00	6,671.53	0.4310	 	 	 
	132	1	5	 	3	 	4	 	1,064,210.79	5,411.51	0.2886	 	 	 
	133	1	5	 	3	 	4	 	192,864.28	4,711.17	0.2170	 	 	 
	134	1	5	 	3	 	4	 	72,809.40	6,195.31	0.2283	 	 	100.00
	135	1	5	 	3	 	4	 	429,854.10	12,630.88	0.4790	 	 	 
	136	1	5	 	3	 	4	 	231,475.56	6,597.63	0.4284	 	 	 
	137	1	5	 	3	 	4	 	189,741.37	6,406.16	0.3313	 	 	100.00
	138	1	5	 	3	 	4	 	229,694.51	7,116.95	0.2319	 	 	100.00
	139	1	5	 	3	 	4	 	65,298.80	5,416.29	0.2828	 	 	100.00
	140	1	5	 	3	 	4	 	304,400.09	6,893.04	0.1560	 	 	100.00
	141	1	5	 	3	 	4	 	152,239.66	7,190.14	0.2998	 	 	 
	142	1	5	 	3	 	4	 	4,710,053.12	5,591.66	0.4139	 	 	 
	143	1	5	 	3	 	4	 	324,982.32	8,710.22	0.4440	 	 	100.00
	144	1	5	 	3	 	4	 	251,465.89	5,981.42	0.4493	 	 	 
	145	1	5	 	3	 	4	 	1,247,587.99	7,025.19	0.4456	 	 	 
	146	1	5	 	3	 	4	 	48,660.52	6,586.17	0.4575	 	 	 
	147	1	5	 	3	 	4	 	58,520.60	6,963.63	0.2887	 	 	 
	148	1	4	 	3	 	4	 	535,021.57	5,630.68	0.1642	 	 	 
	149	1	5	 	3	 	4	 	165,723.72	3,073.72	0.4113	 	 	 
	150	1	5	 	3	 	4	 	1,340,944.94	5,047.13	0.2817	 	 	100.00
	151	1	5	 	3	 	4	 	169,934.33	8,215.98	0.2524	 	 	100.00
	152	1	5	 	3	 	4	 	61,740.33	5,504.81	0.2838	 	 	 
	153	1	5	 	3	 	4	 	166,600.00	6,886.74	0.4423	 	 	 
	154	1	4	 	3	 	4	 	169,581.72	5,991.00	0.3328	 	 	 
	155	1	5	 	3	 	4	 	75,463.00	3,525.16	0.3246	 	 	 
	156	1	5	 	3	 	4	 	304,438.49	3,190.93	0.2553	 	 	100.00
	157	1	5	 	3	 	4	 	108,724.59	7,174.78	0.3399	 	 	100.00
	158	1	5	 	3	 	4	 	125,787.64	7,526.92	0.1806	 	 	 
	159	1	5	 	3	 	4	 	181,393.86	11,013.05	0.2275	 	 	 
	160	1	5	 	3	 	4	 	212,541.83	13,662.33	0.4485	 	 	 
	161	1	5	 	3	 	4	 	249,198.97	9,204.07	0.3662	 	 	 

 

	KEY	City	State	Postal Code	Property Type	Occupancy	Sales Price	Original Appraised
 Property Value	Original Property
 Valuation Type	Original Property
 Valuation Date
	1	BLOOMFIELD HILLS	MI	48302	1	1	 	1,400,000.00	3	20111214
	2	Castle Rock	CO	80108	7	1	 	1,500,000.00	3	20111219
	3	Bloomfield Hills	MI	48302	7	1	 	1,000,000.00	3	20111219
	4	Lynnfield	MA	01940	1	1	 	1,250,000.00	3	20120103
	5	Anaheim	CA	92808	1	1	 	1,100,000.00	3	20120114
	6	Waxhaw	NC	28173	7	1	 	800,000.00	3	20120108
	7	Damascus	OR	97089	1	1	 	595,000.00	3	20110920
	8	Bellevue	WA	98004	1	1	1,250,000.00	1,250,000.00	3	20111021
	9	Mercer Island	WA	98040	1	1	 	1,800,000.00	3	20111003
	10	Sammamish	WA	98075	7	1	740,000.00	740,000.00	3	20111113
	11	Olympia	WA	98506	1	1	 	999,000.00	3	20110926
	12	Ashland	OR	97520	1	1	1,300,000.00	1,350,000.00	3	20111212
	13	ELMHURST	IL	60126	1	1	 	725,000.00	3	20110913
	14	WINNETKA	IL	60093	1	1	1,301,717.00	1,300,000.00	3	20111026
	15	GLENVIEW	IL	60025	1	1	750,000.00	750,000.00	3	20111104
	16	Naperville	IL	60564	1	1	 	650,000.00	3	20110906
	17	EVANSTON	IL	60202	1	1	 	1,255,000.00	3	20110912
	18	GLENVIEW	IL	60025	1	1	 	800,000.00	3	20111027
	19	Northfield	IL	60093	1	1	 	1,450,000.00	3	20111112
	20	NAPERVILLE	IL	60540	1	1	 	1,000,000.00	3	20111129
	21	GLEN ELLYN	IL	60137	1	1	 	1,930,000.00	3	20110818
	22	RIVERSIDE	IL	60546	1	1	 	820,000.00	3	20111209
	23	WAYNESVILLE	MO	65583	1	1	 	810,000.00	3	20111226
	24	Portland	OR	97219	1	1	 	650,000.00	3	20111209
	25	Portland	OR	97211	1	1	715,000.00	725,000.00	3	20111214
	26	Castle Rock	CO	80108	6	1	1,110,000.00	1,350,000.00	3	20120112
	27	THE WOODLANDS	TX	77382	1	1	657,000.00	660,000.00	3	20111020
	28	PAWLEYS ISLAND	SC	29585	1	1	 	2,500,000.00	3	20111114
	29	HOUSTON	TX	77005	1	1	 	1,450,000.00	3	20111202
	30	Laguna Beach	CA	92651	7	1	 	1,950,000.00	3	20111115
	31	Highland Park	IL	60035	1	1	 	1,900,000.00	3	20111118
	32	Brentwood	TN	37027	7	1	 	650,000.00	3	20111209
	33	San Jose	CA	95125	1	1	 	900,000.00	3	20111008
	34	La Canada Flintridge	CA	91011	1	1	 	1,490,000.00	3	20111205
	35	Pleasanton	CA	94566	7	1	 	1,825,000.00	3	20120114
	36	Houston	TX	77055	1	1	 	950,000.00	3	20111219
	37	Corona	CA	92881	7	1	1,099,000.00	1,100,000.00	3	20111130
	38	Sierra Madre	CA	91024	1	1	 	1,240,000.00	3	20120108
	39	Franklin	TN	37067	1	1	595,000.00	595,000.00	3	20110919
	40	New York	NY	10128	1	1	 	4,150,000.00	3	20111102
	41	Manhasset	NY	11030	1	1	 	1,400,000.00	3	20111125
	42	New York	NY	10023	2	1	 	1,500,000.00	3	20111201
	43	BOYNTON BEACH	FL	33472	6	1	985,000.00	990,000.00	3	20111117
	44	FORT LAUDERDALE	FL	33301	1	1	750,000.00	785,000.00	3	20111110
	45	BATON ROUGE	LA	70808	7	1	 	1,050,000.00	3	20111027
	46	PORTLAND	OR	97239	4	1	 	1,075,000.00	3	20111129
	47	EL SEGUNDO	CA	90245	1	1	 	1,305,000.00	3	20111026
	48	CALABASAS	CA	91302	7	1	 	1,470,000.00	3	20110927
	49	MANHATTAN BEACH	CA	90266	1	1	 	1,350,000.00	3	20111004
	50	SAN CLEMENTE	CA	92672	7	1	 	1,390,000.00	3	20110915
	51	SAN DIEGO	CA	92121	6	1	 	750,000.00	3	20110919
	52	HOUSTON	TX	77005	1	1	 	2,800,000.00	3	20111006
	53	EAST HAMPTON	NY	11937	1	1	 	2,850,000.00	3	20110923
	54	AVON BY THE SEA	NJ	07717	1	2	1,300,000.00	1,220,000.00	3	20111101
	55	LAGUNA BEACH	CA	92651	1	1	1,800,000.00	2,100,000.00	3	20111204
	56	WESTLAKE VILLAGE	CA	91362	7	1	985,000.00	1,225,000.00	3	20111114
	57	CARLSBAD	CA	92009	7	1	 	1,100,000.00	3	20111026
	58	LA CANADA FLINTRIDGE	CA	91011	1	1	 	970,000.00	3	20111105
	59	BOCA RATON	FL	33486	7	1	675,000.00	675,000.00	3	20111129
	60	EL CAJON	CA	92019	1	1	 	1,225,000.00	3	20111022
	61	POWAY	CA	92064	1	1	850,000.00	850,000.00	3	20111119
	62	SIMPSONVILLE	SC	29681	7	1	 	995,000.00	3	20110923
	63	PHILADELPHIA	PA	19107	1	1	 	1,300,000.00	3	20110928
	64	WILMETTE	IL	60091	1	1	 	1,225,000.00	3	20111014
	65	MIAMI	FL	33179	1	1	554,888.00	556,000.00	3	20111020
	66	VILLA PARK	CA	92861	1	1	 	1,200,000.00	3	20111130
	67	LOS ALTOS	CA	94024	1	1	 	1,720,000.00	3	20111208
	68	MIAMI	FL	33156	1	1	850,000.00	850,000.00	3	20111209
	69	SOLANA BEACH	CA	92075	1	1	 	1,800,000.00	3	20111215
	70	HUNTINGTON BEACH	CA	92648	7	1	1,648,000.00	1,650,000.00	3	20111221
	71	PALO ALTO	CA	94306	1	1	 	2,000,000.00	3	20111224
	72	CHINO HILLS	CA	91709	7	1	 	715,000.00	3	20120106
	73	ANNANDALE	VA	22003	1	1	 	730,000.00	3	20111121
	74	GLEN HEAD	NY	11545	1	1	 	1,950,000.00	3	20111215
	75	MARSHFIELD	MA	02050	1	1	732,000.00	735,000.00	3	20120106
	76	NEWPORT BEACH	CA	92660	7	1	 	2,250,000.00	3	20120112
	77	MOUNTAIN VIEW	CA	94040	1	1	 	1,750,000.00	3	20120105
	78	THE WOODLANDS	TX	77389	7	1	709,132.00	735,000.00	3	20111021
	79	CHULA VISTA	CA	91914	7	1	1,500,000.00	1,500,000.00	3	20110913
	80	WASHINGTON	DC	20016	1	1	 	1,390,000.00	3	20110810
	81	SAN DIEGO	CA	92103	1	1	 	1,225,000.00	3	20110818
	82	LOS ALTOS	CA	94024	1	1	 	2,400,000.00	3	20110908
	83	EDEN PRAIRIE	MN	55347	7	1	587,500.00	625,000.00	3	20110824
	84	LILYDALE	MN	55118	7	1	 	640,000.00	3	20110826
	85	SAN MARINO	CA	91108	1	1	 	1,565,000.00	3	20110928
	86	MANHATTAN BEACH	CA	90266	1	1	 	1,650,000.00	3	20110817
	87	PENSACOLA	FL	32501	1	1	560,000.00	560,000.00	3	20110811
	88	RICHMOND	VA	23221	7	1	 	1,497,500.00	3	20110909
	89	ARNOLD	MD	21012	7	1	 	1,500,000.00	3	20110825
	90	CLARKSVILLE	MD	21029	7	1	 	850,000.00	3	20110823
	91	GULF BREEZE	FL	32561	1	1	 	1,200,000.00	3	20110826
	92	MOUNT PLEASANT	SC	29464	1	1	965,000.00	1,000,000.00	3	20110907
	93	GRAFORD	TX	76449	1	2	1,041,048.00	1,045,000.00	3	20110919
	94	DALLAS	TX	75201	4	1	815,000.00	900,000.00	3	20111012
	95	DALLAS	TX	75205	1	1	938,475.00	1,075,000.00	3	20110826
	96	DAVIDSON	NC	28036	7	1	 	720,000.00	3	20110811
	97	FLEMING ISLAND	FL	32003	7	1	860,000.00	878,000.00	3	20110926
	98	UNIVERSITY PARK	TX	75225	7	1	 	1,310,000.00	3	20110829
	99	DALLAS	TX	75229	1	1	 	1,325,000.00	3	20110908
	100	THE WOODLANDS	TX	77389	7	1	701,716.00	700,000.00	3	20110801
	101	ENGLEWOOD	NJ	07631	1	1	997,500.00	1,025,000.00	3	20111020
	102	PEORIA	AZ	85383	7	1	 	1,250,000.00	3	20110810
	103	AUSTIN	TX	78746	1	1	 	1,100,000.00	3	20111006
	104	UNIVERSITY PARK	TX	75205	1	1	 	1,550,000.00	3	20110515
	105	SAN JOSE	CA	95124	1	1	 	685,000.00	3	20110920
	106	PACIFIC PALISADES	CA	90272	1	1	1,275,000.00	1,275,000.00	3	20110914
	107	LEAWOOD	KS	66224	7	1	 	1,200,000.00	3	20110818
	108	HENDERSON	NV	89052	7	1	935,913.00	1,000,000.00	3	20111013
	109	DALLAS	TX	75230	1	1	670,000.00	805,000.00	3	20111020
	110	AUSTIN	TX	78731	1	1	965,000.00	970,000.00	3	20110927
	111	UNIVERSITY PARK	TX	75205	1	1	659,000.00	680,000.00	3	20110928
	112	FORT WORTH	TX	76107	1	1	 	1,175,000.00	3	20110822
	113	DALLAS	TX	75225	1	1	995,000.00	995,000.00	3	20111212
	114	DALLAS	TX	75225	1	1	 	1,295,850.00	3	20111027
	115	PLANO	TX	75093	7	1	 	800,000.00	3	20111019
	116	DALLAS	TX	75225	1	1	 	2,664,800.00	3	20110816
	117	FORT WORTH	TX	76107	7	1	 	1,000,000.00	3	20111216
	118	BUDA	TX	78610	7	1	 	630,000.00	3	20111205
	119	DELAFIELD	WI	53018	1	1	 	1,620,000.00	3	20110815
	120	WESTPORT	CT	06880	1	1	 	1,170,000.00	3	20111116
	121	DALLAS	TX	75214	1	1	 	827,000.00	3	20111006
	122	AUSTIN	TX	78746	7	1	945,000.00	1,000,000.00	3	20111109
	123	GREENWOOD VILLAGE	CO	80121	7	1	 	1,350,000.00	3	20111204
	124	HOUSTON	TX	77024	7	1	 	1,000,000.00	3	20111003
	125	Highland Park	TX	75205	1	1	 	3,400,000.00	3	20111122
	126	PLANO	TX	75024	7	1	 	1,450,000.00	3	20110916
	127	DALLAS	TX	75230	1	1	 	1,300,000.00	3	20111007
	128	SOUTHLAKE	TX	76092	7	1	819,089.00	885,000.00	3	20111007
	129	COTO DE CAZA	CA	92679	7	1	2,650,000.00	2,650,000.00	3	20111121
	130	AUSTIN	TX	78703	1	1	 	1,200,000.00	3	20111121
	131	UNIVERSITY PARK	TX	75225	1	1	 	1,015,000.00	3	20111123
	132	UPPERCO	MD	21155	1	1	 	1,300,000.00	3	20111128
	133	COCKEYSVILLE	MD	21030	1	1	 	875,000.00	3	20111202
	134	DALLAS	TX	75214	1	1	730,000.00	730,000.00	3	20111206
	135	GREEN LAKE	WI	53946	1	2	 	2,550,000.00	3	20111207
	136	STUART	FL	34996	1	1	 	1,750,000.00	3	20111208
	137	TROUTMAN	NC	28166	7	1	1,075,000.00	1,150,000.00	3	20111209
	138	AUSTIN	TX	78732	7	1	699,999.00	700,000.00	3	20111210
	139	SACRAMENTO	CA	95816	1	1	855,000.00	855,000.00	3	20111216
	140	CARY	NC	27513	7	1	1,225,000.00	1,250,000.00	3	20111221
	141	Hot Springs Village	AR	71909	7	2	 	660,000.00	3	20111221
	142	DEVON	PA	19333	1	1	 	1,535,000.00	3	20120103
	143	RALEIGH	NC	27613	7	1	999,900.00	1,000,000.00	3	20120105
	144	DALLAS	TX	75209	1	1	 	1,350,000.00	3	20120105
	145	CELINA	TX	75009	1	1	 	900,000.00	3	20120106
	146	SOLANA BEACH	CA	92075	7	1	 	1,300,000.00	3	20110715
	147	HOUSTON	TX	77005	1	1	 	1,205,000.00	3	20110827
	148	HOUSTON	TX	77055	1	1	 	1,020,000.00	3	20111109
	149	BASS LAKE	CA	93604	1	1	 	650,000.00	3	20111110
	150	ALPHARETTA	GA	30004	7	1	950,000.00	950,000.00	3	20111123
	151	DOWNERS GROVE	IL	60515	1	1	990,000.00	990,000.00	3	20111129
	152	FLOWER MOUND	TX	75022	7	1	 	610,000.00	3	20120106
	153	SAN ANTONIO	TX	78232	1	1	 	1,200,000.00	3	20120116
	154	KANSAS CITY	MO	64110	7	1	 	1,000,000.00	3	20111229
	155	TOWNSEND	TN	37882	1	1	 	825,000.00	3	20111122
	156	KNOXVILLE	TN	37922	1	1	650,000.00	652,000.00	3	20111212
	157	DESTIN	FL	32541	7	2	715,000.00	725,000.00	3	20120112
	158	SOUTHLAKE	TX	76092	7	1	 	1,100,000.00	3	20111116
	159	DALLAS	TX	75229	1	1	 	2,400,000.00	3	20120113
	160	NISSWA	MN	56468	1	2	 	2,150,000.00	3	20111209
	161	UNIVERSITY PARK	TX	75205	1	1	 	1,600,000.00	3	20111013

 

	KEY	Original Automated
 Valuation Model
 (AVM) Model Name	Original AVM
 Confidence Score	Most Recent
 Property Value2	Most Recent
 Property Valuation
 Type	Most Recent
 Property Valuation
 Date	Most Recent AVM
 Model Name	Most Recent AVM
 Confidence Score	Original CLTV	Original LTV	Original Pledged
 Assets
	1	 	 	 	 	 	 	 	0.7364	0.5221	0
	2	 	 	 	 	 	 	 	0.4653	0.4653	0
	3	 	 	 	 	 	 	 	0.5600	0.5600	0
	4	 	 	 	 	 	 	 	0.7000	0.7000	0
	5	 	 	 	 	 	 	 	0.7364	0.7364	0
	6	 	 	 	 	 	 	 	0.8000	0.8000	0
	7	 	 	 	 	 	 	 	0.7933	0.7933	0
	8	 	 	 	 	 	 	 	0.8000	0.8000	0
	9	 	 	 	 	 	 	 	0.7500	0.7500	0
	10	 	 	 	 	 	 	 	0.8000	0.8000	0
	11	 	 	 	 	 	 	 	0.7425	0.6807	0
	12	 	 	 	 	 	 	 	0.7500	0.7500	0
	13	 	 	 	 	 	 	 	0.7500	0.7500	0
	14	 	 	 	 	 	 	 	0.7500	0.7500	0
	15	 	 	 	 	 	 	 	0.7500	0.7500	0
	16	 	 	 	 	 	 	 	0.7500	0.7500	0
	17	 	 	 	 	 	 	 	0.7500	0.7500	0
	18	 	 	 	 	 	 	 	0.7000	0.6563	0
	19	 	 	 	 	 	 	 	0.4886	0.4886	0
	20	 	 	 	 	 	 	 	0.7510	0.7510	0
	21	 	 	 	 	 	 	 	0.6606	0.6606	0
	22	 	 	 	 	 	 	 	0.6707	0.6707	0
	23	 	 	 	 	 	 	 	0.6944	0.6944	0
	24	 	 	 	 	 	 	 	0.7192	0.7192	0
	25	 	 	 	 	 	 	 	0.8000	0.8000	0
	26	 	 	 	 	 	 	 	0.8000	0.8000	0
	27	 	 	 	 	 	 	 	0.8000	0.8000	0
	28	 	 	 	 	 	 	 	0.6000	0.6000	0
	29	 	 	 	 	 	 	 	0.5079	0.5079	0
	30	 	 	 	 	 	 	 	0.6410	0.6410	0
	31	 	 	 	 	 	 	 	0.7000	0.7000	0
	32	 	 	 	 	 	 	 	0.7500	0.7500	0
	33	 	 	 	 	 	 	 	0.7469	0.7222	0
	34	 	 	 	 	 	 	 	0.6595	0.6595	0
	35	 	 	 	 	 	 	 	0.5381	0.5381	0
	36	 	 	 	 	 	 	 	0.7500	0.7500	0
	37	 	 	 	 	 	 	 	0.7491	0.7491	0
	38	 	 	 	 	 	 	 	0.6653	0.6653	0
	39	 	 	 	 	 	 	 	0.8000	0.8000	0
	40	 	 	 	 	 	 	 	0.2400	0.2400	0
	41	 	 	 	 	 	 	 	0.5114	0.5114	0
	42	 	 	 	 	 	 	 	0.4407	0.4407	0
	43	 	 	 	 	 	 	 	0.8000	0.8000	0
	44	 	 	 	 	 	 	 	0.8000	0.8000	0
	45	 	 	 	 	 	 	 	0.6191	0.6191	0
	46	 	 	 	 	 	 	 	0.6861	0.6861	0
	47	 	 	 	 	 	 	 	0.6000	0.6000	0
	48	 	 	 	 	 	 	 	0.5188	0.5188	0
	49	 	 	 	 	 	 	 	0.7500	0.7500	0
	50	 	 	 	 	 	 	 	0.6849	0.6849	0
	51	 	 	 	 	 	 	 	0.8000	0.8000	0
	52	 	 	 	 	 	 	 	0.6714	0.6714	0
	53	 	 	 	 	 	 	 	0.4912	0.4912	0
	54	 	 	 	 	 	 	 	0.7459	0.7459	0
	55	 	 	 	 	 	 	 	0.5556	0.5556	0
	56	 	 	 	 	 	 	 	0.8000	0.8000	0
	57	 	 	 	 	 	 	 	0.7627	0.7627	0
	58	 	 	 	 	 	 	 	0.7443	0.7443	0
	59	 	 	 	 	 	 	 	0.8000	0.8000	0
	60	 	 	 	 	 	 	 	0.8000	0.8000	0
	61	 	 	 	 	 	 	 	0.8000	0.8000	0
	62	 	 	 	 	 	 	 	0.5879	0.5879	0
	63	 	 	 	 	 	 	 	0.7046	0.7046	0
	64	 	 	 	 	 	 	 	0.7498	0.7498	0
	65	 	 	 	 	 	 	 	0.8000	0.8000	0
	66	 	 	 	 	 	 	 	0.8000	0.8000	0
	67	 	 	 	 	 	 	 	0.4070	0.4070	0
	68	 	 	 	 	 	 	 	0.7500	0.7500	0
	69	 	 	 	 	 	 	 	0.7500	0.4750	0
	70	 	 	 	 	 	 	 	0.7500	0.7500	0
	71	 	 	 	 	 	 	 	0.5800	0.5800	0
	72	 	 	 	 	 	 	 	0.7829	0.7829	0
	73	 	 	 	 	 	 	 	0.6247	0.6247	0
	74	 	 	 	 	 	 	 	0.2564	0.2564	0
	75	 	 	 	 	 	 	 	0.6694	0.6694	0
	76	 	 	 	 	 	 	 	0.5333	0.5333	0
	77	 	 	 	 	 	 	 	0.4743	0.4743	0
	78	 	 	 	 	 	 	 	0.8000	0.8000	0
	79	 	 	 	 	 	 	 	0.7500	0.7500	0
	80	 	 	 	 	 	 	 	0.6380	0.6380	0
	81	 	 	 	 	 	 	 	0.7331	0.7331	0
	82	 	 	 	 	 	 	 	0.5375	0.5375	0
	83	 	 	 	 	 	 	 	0.8000	0.8000	0
	84	 	 	 	 	 	 	 	0.6875	0.6875	0
	85	 	 	 	 	 	 	 	0.6869	0.6869	0
	86	 	 	 	 	 	 	 	0.5933	0.5933	0
	87	 	 	 	 	 	 	 	0.8000	0.8000	0
	88	 	 	 	 	 	 	 	0.6678	0.6678	0
	89	 	 	 	 	 	 	 	0.7933	0.6600	0
	90	 	 	 	 	 	 	 	0.8000	0.8000	0
	91	 	 	 	 	 	 	 	0.7500	0.7500	0
	92	 	 	 	 	 	 	 	0.6736	0.6736	0
	93	 	 	 	 	 	 	 	0.8000	0.8000	0
	94	 	 	 	 	 	 	 	0.7500	0.7500	0
	95	 	 	 	 	 	 	 	0.6270	0.6270	0
	96	 	 	 	 	 	 	 	0.7944	0.7944	0
	97	 	 	 	 	 	 	 	0.6512	0.6512	0
	98	 	 	 	 	 	 	 	0.7519	0.7519	0
	99	 	 	 	 	 	 	 	0.7465	0.7465	0
	100	 	 	 	 	 	 	 	0.7955	0.7955	0
	101	 	 	 	 	 	 	 	0.8000	0.8000	0
	102	 	 	 	 	 	 	 	0.6896	0.6896	0
	103	 	 	 	 	 	 	 	0.6882	0.6882	0
	104	 	 	 	 	 	 	 	0.7000	0.7000	0
	105	 	 	 	 	 	 	 	0.6496	0.6496	0
	106	 	 	 	 	 	 	 	0.8000	0.8000	0
	107	 	 	 	 	 	 	 	0.6167	0.6167	0
	108	 	 	 	 	 	 	 	0.8000	0.8000	0
	109	 	 	 	 	 	 	 	0.8000	0.8000	0
	110	 	 	 	 	 	 	 	0.8000	0.8000	0
	111	 	 	 	 	 	 	 	0.8000	0.8000	0
	112	 	 	 	 	 	 	 	0.5855	0.5855	0
	113	 	 	 	 	 	 	 	0.8000	0.8000	0
	114	 	 	 	 	 	 	 	0.7111	0.7111	0
	115	 	 	 	 	 	 	 	0.8000	0.8000	0
	116	 	 	 	 	 	 	 	0.7500	0.7500	0
	117	 	 	 	 	 	 	 	0.6150	0.6150	0
	118	 	 	 	 	 	 	 	0.7698	0.7698	0
	119	 	 	 	 	 	 	 	0.6173	0.6173	0
	120	 	 	 	 	 	 	 	0.5556	0.5556	0
	121	 	 	 	 	 	 	 	0.7500	0.7500	0
	122	 	 	 	 	 	 	 	0.7300	0.7300	0
	123	 	 	 	 	 	 	 	0.5307	0.5307	0
	124	 	 	 	 	 	 	 	0.4944	0.4944	0
	125	 	 	 	 	 	 	 	0.2554	0.2554	0
	126	 	 	 	 	 	 	 	0.8000	0.8000	0
	127	 	 	 	 	 	 	 	0.6769	0.6769	0
	128	 	 	 	 	 	 	 	0.7447	0.7447	0
	129	 	 	 	 	 	 	 	0.6000	0.6000	0
	130	 	 	 	 	 	 	 	0.7083	0.7083	0
	131	 	 	 	 	 	 	 	0.7951	0.7951	0
	132	 	 	 	 	 	 	 	0.6231	0.6231	0
	133	 	 	 	 	 	 	 	0.6571	0.6571	0
	134	 	 	 	 	 	 	 	0.6575	0.6575	0
	135	 	 	 	 	 	 	 	0.4071	0.3580	0
	136	 	 	 	 	 	 	 	0.5394	0.5394	0
	137	 	 	 	 	 	 	 	0.7209	0.7209	0
	138	 	 	 	 	 	 	 	0.7999	0.7999	0
	139	 	 	 	 	 	 	 	0.7018	0.7018	0
	140	 	 	 	 	 	 	 	0.5918	0.5918	0
	141	 	 	 	 	 	 	 	0.7273	0.7273	0
	142	 	 	 	 	 	 	 	0.4645	0.4645	0
	143	 	 	 	 	 	 	 	0.7000	0.7000	0
	144	 	 	 	 	 	 	 	0.6321	0.4469	0
	145	 	 	 	 	 	 	 	0.8000	0.8000	0
	146	 	 	 	 	 	 	 	0.7692	0.7692	0
	147	 	 	 	 	 	 	 	0.7834	0.7834	0
	148	 	 	 	 	 	 	 	0.5169	0.5169	0
	149	 	 	 	 	 	 	 	0.7677	0.7677	0
	150	 	 	 	 	 	 	 	0.5790	0.5790	0
	151	 	 	 	 	 	 	 	0.8000	0.8000	0
	152	 	 	 	 	 	 	 	0.7420	0.7420	0
	153	 	 	 	 	 	 	 	0.4875	0.4875	0
	154	 	 	 	 	 	 	 	0.6960	0.6960	0
	155	 	 	 	 	 	 	 	0.7451	0.7451	0
	156	 	 	 	 	 	 	 	0.8000	0.8000	0
	157	 	 	 	 	 	 	 	0.7500	0.7500	0
	158	 	 	 	 	 	 	 	0.8000	0.8000	0
	159	 	 	 	 	 	 	 	0.4167	0.4167	0
	160	 	 	 	 	 	 	 	0.6256	0.6256	0
	161	 	 	 	 	 	 	 	0.6844	0.6844	0

 

	KEY	Mortgage Insurance
 Company Name	Mortgage Insurance
 Percent	MI: Lender or
 Borrower Paid?	Pool Insurance Co.
 Name	Pool Insurance Stop
 Loss %	MI Certificate
 Number	Updated DTI
 (Front-end)	Updated DTI
 (Back-end)	Modification
 Effective Payment
 Date	Total Capitalized
 Amount	Total Deferred
 Amount	Pre-Modification
 Interest (Note) Rate
	1	0	0	 	 	 	 	 	 	 	 	 	 
	2	0	0	 	 	 	 	 	 	 	 	 	 
	3	0	0	 	 	 	 	 	 	 	 	 	 
	4	0	0	 	 	 	 	 	 	 	 	 	 
	5	0	0	 	 	 	 	 	 	 	 	 	 
	6	0	0	 	 	 	 	 	 	 	 	 	 
	7	0	0	 	 	 	 	 	 	 	 	 	 
	8	0	0	 	 	 	 	 	 	 	 	 	 
	9	0	0	 	 	 	 	 	 	 	 	 	 
	10	0	0	 	 	 	 	 	 	 	 	 	 
	11	0	0	 	 	 	 	 	 	 	 	 	 
	12	0	0	 	 	 	 	 	 	 	 	 	 
	13	0	0	 	 	 	 	 	 	 	 	 	 
	14	0	0	 	 	 	 	 	 	 	 	 	 
	15	0	0	 	 	 	 	 	 	 	 	 	 
	16	0	0	 	 	 	 	 	 	 	 	 	 
	17	0	0	 	 	 	 	 	 	 	 	 	 
	18	0	0	 	 	 	 	 	 	 	 	 	 
	19	0	0	 	 	 	 	 	 	 	 	 	 
	20	0	0	 	 	 	 	 	 	 	 	 	 
	21	0	0	 	 	 	 	 	 	 	 	 	 
	22	0	0	 	 	 	 	 	 	 	 	 	 
	23	0	0	 	 	 	 	 	 	 	 	 	 
	24	0	0	 	 	 	 	 	 	 	 	 	 
	25	0	0	 	 	 	 	 	 	 	 	 	 
	26	0	0	 	 	 	 	 	 	 	 	 	 
	27	0	0	 	 	 	 	 	 	 	 	 	 
	28	0	0	 	 	 	 	 	 	 	 	 	 
	29	0	0	 	 	 	 	 	 	 	 	 	 
	30	0	0	 	 	 	 	 	 	 	 	 	 
	31	0	0	 	 	 	 	 	 	 	 	 	 
	32	0	0	 	 	 	 	 	 	 	 	 	 
	33	0	0	 	 	 	 	 	 	 	 	 	 
	34	0	0	 	 	 	 	 	 	 	 	 	 
	35	0	0	 	 	 	 	 	 	 	 	 	 
	36	0	0	 	 	 	 	 	 	 	 	 	 
	37	0	0	 	 	 	 	 	 	 	 	 	 
	38	0	0	 	 	 	 	 	 	 	 	 	 
	39	0	0	 	 	 	 	 	 	 	 	 	 
	40	0	0	 	 	 	 	 	 	 	 	 	 
	41	0	0	 	 	 	 	 	 	 	 	 	 
	42	0	0	 	 	 	 	 	 	 	 	 	 
	43	0	0	 	 	 	 	 	 	 	 	 	 
	44	0	0	 	 	 	 	 	 	 	 	 	 
	45	0	0	 	 	 	 	 	 	 	 	 	 
	46	0	0	 	 	 	 	 	 	 	 	 	 
	47	0	0	 	 	 	 	 	 	 	 	 	 
	48	0	0	 	 	 	 	 	 	 	 	 	 
	49	0	0	 	 	 	 	 	 	 	 	 	 
	50	0	0	 	 	 	 	 	 	 	 	 	 
	51	0	0	 	 	 	 	 	 	 	 	 	 
	52	0	0	 	 	 	 	 	 	 	 	 	 
	53	0	0	 	 	 	 	 	 	 	 	 	 
	54	0	0	 	 	 	 	 	 	 	 	 	 
	55	0	0	 	 	 	 	 	 	 	 	 	 
	56	0	0	 	 	 	 	 	 	 	 	 	 
	57	0	0	 	 	 	 	 	 	 	 	 	 
	58	0	0	 	 	 	 	 	 	 	 	 	 
	59	0	0	 	 	 	 	 	 	 	 	 	 
	60	0	0	 	 	 	 	 	 	 	 	 	 
	61	0	0	 	 	 	 	 	 	 	 	 	 
	62	0	0	 	 	 	 	 	 	 	 	 	 
	63	0	0	 	 	 	 	 	 	 	 	 	 
	64	0	0	 	 	 	 	 	 	 	 	 	 
	65	0	0	 	 	 	 	 	 	 	 	 	 
	66	0	0	 	 	 	 	 	 	 	 	 	 
	67	0	0	 	 	 	 	 	 	 	 	 	 
	68	0	0	 	 	 	 	 	 	 	 	 	 
	69	0	0	 	 	 	 	 	 	 	 	 	 
	70	0	0	 	 	 	 	 	 	 	 	 	 
	71	0	0	 	 	 	 	 	 	 	 	 	 
	72	0	0	 	 	 	 	 	 	 	 	 	 
	73	0	0	 	 	 	 	 	 	 	 	 	 
	74	0	0	 	 	 	 	 	 	 	 	 	 
	75	0	0	 	 	 	 	 	 	 	 	 	 
	76	0	0	 	 	 	 	 	 	 	 	 	 
	77	0	0	 	 	 	 	 	 	 	 	 	 
	78	0	0	 	 	 	 	 	 	 	 	 	 
	79	0	0	 	 	 	 	 	 	 	 	 	 
	80	0	0	 	 	 	 	 	 	 	 	 	 
	81	0	0	 	 	 	 	 	 	 	 	 	 
	82	0	0	 	 	 	 	 	 	 	 	 	 
	83	0	0	 	 	 	 	 	 	 	 	 	 
	84	0	0	 	 	 	 	 	 	 	 	 	 
	85	0	0	 	 	 	 	 	 	 	 	 	 
	86	0	0	 	 	 	 	 	 	 	 	 	 
	87	0	0	 	 	 	 	 	 	 	 	 	 
	88	0	0	 	 	 	 	 	 	 	 	 	 
	89	0	0	 	 	 	 	 	 	 	 	 	 
	90	0	0	 	 	 	 	 	 	 	 	 	 
	91	0	0	 	 	 	 	 	 	 	 	 	 
	92	0	0	 	 	 	 	 	 	 	 	 	 
	93	0	0	 	 	 	 	 	 	 	 	 	 
	94	0	0	 	 	 	 	 	 	 	 	 	 
	95	0	0	 	 	 	 	 	 	 	 	 	 
	96	0	0	 	 	 	 	 	 	 	 	 	 
	97	0	0	 	 	 	 	 	 	 	 	 	 
	98	0	0	 	 	 	 	 	 	 	 	 	 
	99	0	0	 	 	 	 	 	 	 	 	 	 
	100	0	0	 	 	 	 	 	 	 	 	 	 
	101	0	0	 	 	 	 	 	 	 	 	 	 
	102	0	0	 	 	 	 	 	 	 	 	 	 
	103	0	0	 	 	 	 	 	 	 	 	 	 
	104	0	0	 	 	 	 	 	 	 	 	 	 
	105	0	0	 	 	 	 	 	 	 	 	 	 
	106	0	0	 	 	 	 	 	 	 	 	 	 
	107	0	0	 	 	 	 	 	 	 	 	 	 
	108	0	0	 	 	 	 	 	 	 	 	 	 
	109	0	0	 	 	 	 	 	 	 	 	 	 
	110	0	0	 	 	 	 	 	 	 	 	 	 
	111	0	0	 	 	 	 	 	 	 	 	 	 
	112	0	0	 	 	 	 	 	 	 	 	 	 
	113	0	0	 	 	 	 	 	 	 	 	 	 
	114	0	0	 	 	 	 	 	 	 	 	 	 
	115	0	0	 	 	 	 	 	 	 	 	 	 
	116	0	0	 	 	 	 	 	 	 	 	 	 
	117	0	0	 	 	 	 	 	 	 	 	 	 
	118	0	0	 	 	 	 	 	 	 	 	 	 
	119	0	0	 	 	 	 	 	 	 	 	 	 
	120	0	0	 	 	 	 	 	 	 	 	 	 
	121	0	0	 	 	 	 	 	 	 	 	 	 
	122	0	0	 	 	 	 	 	 	 	 	 	 
	123	0	0	 	 	 	 	 	 	 	 	 	 
	124	0	0	 	 	 	 	 	 	 	 	 	 
	125	0	0	 	 	 	 	 	 	 	 	 	 
	126	0	0	 	 	 	 	 	 	 	 	 	 
	127	0	0	 	 	 	 	 	 	 	 	 	 
	128	0	0	 	 	 	 	 	 	 	 	 	 
	129	0	0	 	 	 	 	 	 	 	 	 	 
	130	0	0	 	 	 	 	 	 	 	 	 	 
	131	0	0	 	 	 	 	 	 	 	 	 	 
	132	0	0	 	 	 	 	 	 	 	 	 	 
	133	0	0	 	 	 	 	 	 	 	 	 	 
	134	0	0	 	 	 	 	 	 	 	 	 	 
	135	0	0	 	 	 	 	 	 	 	 	 	 
	136	0	0	 	 	 	 	 	 	 	 	 	 
	137	0	0	 	 	 	 	 	 	 	 	 	 
	138	0	0	 	 	 	 	 	 	 	 	 	 
	139	0	0	 	 	 	 	 	 	 	 	 	 
	140	0	0	 	 	 	 	 	 	 	 	 	 
	141	0	0	 	 	 	 	 	 	 	 	 	 
	142	0	0	 	 	 	 	 	 	 	 	 	 
	143	0	0	 	 	 	 	 	 	 	 	 	 
	144	0	0	 	 	 	 	 	 	 	 	 	 
	145	0	0	 	 	 	 	 	 	 	 	 	 
	146	0	0	 	 	 	 	 	 	 	 	 	 
	147	0	0	 	 	 	 	 	 	 	 	 	 
	148	0	0	 	 	 	 	 	 	 	 	 	 
	149	0	0	 	 	 	 	 	 	 	 	 	 
	150	0	0	 	 	 	 	 	 	 	 	 	 
	151	0	0	 	 	 	 	 	 	 	 	 	 
	152	0	0	 	 	 	 	 	 	 	 	 	 
	153	0	0	 	 	 	 	 	 	 	 	 	 
	154	0	0	 	 	 	 	 	 	 	 	 	 
	155	0	0	 	 	 	 	 	 	 	 	 	 
	156	0	0	 	 	 	 	 	 	 	 	 	 
	157	0	0	 	 	 	 	 	 	 	 	 	 
	158	0	0	 	 	 	 	 	 	 	 	 	 
	159	0	0	 	 	 	 	 	 	 	 	 	 
	160	0	0	 	 	 	 	 	 	 	 	 	 
	161	0	0	 	 	 	 	 	 	 	 	 	 

 

	KEY	Pre-Modification P&I
 Payment	Pre-Modification
 Initial Interest Rate
 Change Downward
 Cap	Pre-Modification
 Subsequent Interest
 Rate Cap	Pre-Modification
 Next Interest Rate
 Change Date	Pre-Modification I/O
 Term	Forgiven Principal
 Amount	Forgiven Interest
 Amount
	1	 	 	 	 	 	 	 
	2	 	 	 	 	 	 	 
	3	 	 	 	 	 	 	 
	4	 	 	 	 	 	 	 
	5	 	 	 	 	 	 	 
	6	 	 	 	 	 	 	 
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	44	 	 	 	 	 	 	 
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	48	 	 	 	 	 	 	 
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	51	 	 	 	 	 	 	 
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	55	 	 	 	 	 	 	 
	56	 	 	 	 	 	 	 
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	59	 	 	 	 	 	 	 
	60	 	 	 	 	 	 	 
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	62	 	 	 	 	 	 	 
	63	 	 	 	 	 	 	 
	64	 	 	 	 	 	 	 
	65	 	 	 	 	 	 	 
	66	 	 	 	 	 	 	 
	67	 	 	 	 	 	 	 
	68	 	 	 	 	 	 	 
	69	 	 	 	 	 	 	 
	70	 	 	 	 	 	 	 
	71	 	 	 	 	 	 	 
	72	 	 	 	 	 	 	 
	73	 	 	 	 	 	 	 
	74	 	 	 	 	 	 	 
	75	 	 	 	 	 	 	 
	76	 	 	 	 	 	 	 
	77	 	 	 	 	 	 	 
	78	 	 	 	 	 	 	 
	79	 	 	 	 	 	 	 
	80	 	 	 	 	 	 	 
	81	 	 	 	 	 	 	 
	82	 	 	 	 	 	 	 
	83	 	 	 	 	 	 	 
	84	 	 	 	 	 	 	 
	85	 	 	 	 	 	 	 
	86	 	 	 	 	 	 	 
	87	 	 	 	 	 	 	 
	88	 	 	 	 	 	 	 
	89	 	 	 	 	 	 	 
	90	 	 	 	 	 	 	 
	91	 	 	 	 	 	 	 
	92	 	 	 	 	 	 	 
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	95	 	 	 	 	 	 	 
	96	 	 	 	 	 	 	 
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	98	 	 	 	 	 	 	 
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	100	 	 	 	 	 	 	 
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	102	 	 	 	 	 	 	 
	103	 	 	 	 	 	 	 
	104	 	 	 	 	 	 	 
	105	 	 	 	 	 	 	 
	106	 	 	 	 	 	 	 
	107	 	 	 	 	 	 	 
	108	 	 	 	 	 	 	 
	109	 	 	 	 	 	 	 
	110	 	 	 	 	 	 	 
	111	 	 	 	 	 	 	 
	112	 	 	 	 	 	 	 
	113	 	 	 	 	 	 	 
	114	 	 	 	 	 	 	 
	115	 	 	 	 	 	 	 
	116	 	 	 	 	 	 	 
	117	 	 	 	 	 	 	 
	118	 	 	 	 	 	 	 
	119	 	 	 	 	 	 	 
	120	 	 	 	 	 	 	 
	121	 	 	 	 	 	 	 
	122	 	 	 	 	 	 	 
	123	 	 	 	 	 	 	 
	124	 	 	 	 	 	 	 
	125	 	 	 	 	 	 	 
	126	 	 	 	 	 	 	 
	127	 	 	 	 	 	 	 
	128	 	 	 	 	 	 	 
	129	 	 	 	 	 	 	 
	130	 	 	 	 	 	 	 
	131	 	 	 	 	 	 	 
	132	 	 	 	 	 	 	 
	133	 	 	 	 	 	 	 
	134	 	 	 	 	 	 	 
	135	 	 	 	 	 	 	 
	136	 	 	 	 	 	 	 
	137	 	 	 	 	 	 	 
	138	 	 	 	 	 	 	 
	139	 	 	 	 	 	 	 
	140	 	 	 	 	 	 	 
	141	 	 	 	 	 	 	 
	142	 	 	 	 	 	 	 
	143	 	 	 	 	 	 	 
	144	 	 	 	 	 	 	 
	145	 	 	 	 	 	 	 
	146	 	 	 	 	 	 	 
	147	 	 	 	 	 	 	 
	148	 	 	 	 	 	 	 
	149	 	 	 	 	 	 	 
	150	 	 	 	 	 	 	 
	151	 	 	 	 	 	 	 
	152	 	 	 	 	 	 	 
	153	 	 	 	 	 	 	 
	154	 	 	 	 	 	 	 
	155	 	 	 	 	 	 	 
	156	 	 	 	 	 	 	 
	157	 	 	 	 	 	 	 
	158	 	 	 	 	 	 	 
	159	 	 	 	 	 	 	 
	160	 	 	 	 	 	 	 
	161	 	 	 	 	 	 	 

 

	KEY	Number of
 Modifications	Cash To/From Brrw at Closing	Brrw - Yrs at in Industry	CoBrrw - Yrs at in Industry	Junior Mortgage Drawn Amount	Maturity Date	Primary Borrower Wage Income (Salary)	Primary Borrower Wage Income (Bonus)
	1	 	 	0.00	 	300,000.00	20420201	2,259.80	0.00
	2	 	 	10.00	0.00	0.00	20420201	20,433.87	0.00
	3	 	 	28.00	 	0.00	20420201	17,774.62	0.00
	4	 	 	11.00	15.00	0.00	20420201	9,033.19	3,077.16
	5	 	 	10.00	 	0.00	20420201	25,669.00	0.00
	6	 	 	1.00	18.00	0.00	20420301	0.00	0.00
	7	 	 	13.10	 	0.00	20411201	40,368.00	0.00
	8	 	 	7.70	 	0.00	20411201	20,000.00	0.00
	9	 	 	18.00	 	0.00	20411101	31,438.00	0.00
	10	 	 	3.30	3.70	0.00	20420101	15,000.00	0.00
	11	 	 	27.00	 	61,596.00	20411201	15,082.00	0.00
	12	 	 	6.90	6.80	0.00	20420101	34,488.00	0.00
	13	 	 	11.00	7.50	0.00	20411201	13,333.00	0.00
	14	 	 	6.00	 	0.00	20411201	22,083.00	5,968.00
	15	 	 	9.00	5.00	0.00	20411201	8,756.00	0.00
	16	 	 	14.00	21.00	0.00	20420101	12,072.92	0.00
	17	 	 	17.00	18.00	0.00	20411201	14,737.19	0.00
	18	 	 	17.00	0.00	35,000.00	20420101	13,749.99	0.00
	19	 	 	20.00	 	0.00	20420101	20,950.00	0.00
	20	 	 	20.00	0.00	0.00	20420101	10,583.34	8,333.33
	21	 	 	20.00	 	0.00	20411201	31,041.67	0.00
	22	 	 	28.00	 	0.00	20420201	80,047.96	0.00
	23	 	 	9.00	10.00	0.00	20420201	15,130.96	0.00
	24	 	 	15.00	18.00	0.00	20420201	3,201.25	0.00
	25	 	 	5.00	 	0.00	20420201	18,750.00	0.00
	26	 	 	20.00	 	0.00	20420201	13,344.49	0.00
	27	 	 	14.00	 	0.00	20411201	19,048.00	0.00
	28	 	 	20.00	 	0.00	20420201	48,879.00	0.00
	29	 	 	9.00	0.00	0.00	20420201	16,666.66	32,125.00
	30	 	 	18.00	0.00	0.00	20420101	26,830.00	0.00
	31	 	 	3.00	0.00	0.00	20420101	23,177.00	0.00
	32	 	 	8.00	 	0.00	20420101	18,454.15	0.00
	33	 	 	29.80	 	22,239.00	20420101	25,908.34	0.00
	34	 	 	3.00	 	0.00	20420101	37,429.05	0.00
	35	 	 	13.00	 	0.00	20420301	25,000.02	0.00
	36	 	 	15.00	 	0.00	20420201	19,750.00	0.00
	37	 	 	8.00	 	0.00	20420101	20,826.17	0.00
	38	 	 	5.92	 	0.00	20420301	22,278.17	0.00
	39	 	 	2.00	 	0.00	20411001	14,923.00	0.00
	40	 	 	20.00	 	0.00	20420101	157,825.08	0.00
	41	 	 	17.00	 	0.00	20420201	18,692.30	0.00
	42	 	 	26.00	 	0.00	20420301	20,416.33	0.00
	43	 	 	20.00	 	0.00	20420101	8,204.75	0.00
	44	 	 	10.00	 	0.00	20420101	20,264.70	10,127.00
	45	 	 	14.00	 	0.00	20420101	27,468.90	0.00
	46	 	 	0.00	 	0.00	20420101	7,234.00	0.00
	47	 	 	37.00	 	0.00	20420101	42,833.00	0.00
	48	 	 	0.00	 	0.00	20411201	11,253.00	0.00
	49	 	 	9.00	13.00	0.00	20411201	9,666.66	0.00
	50	 	 	32.00	29.00	0.00	20411201	9,281.40	0.00
	51	 	 	10.00	 	0.00	20411201	8,813.87	1,126.08
	52	 	 	23.00	 	0.00	20411201	49,301.00	0.00
	53	 	 	16.00	 	0.00	20420101	33,678.00	0.00
	54	 	 	25.00	 	0.00	20411201	47,208.33	0.00
	55	 	 	27.00	 	0.00	20420101	83,944.00	0.00
	56	 	 	10.00	 	0.00	20420101	15,335.00	0.00
	57	 	 	0.00	 	0.00	20420101	10,247.00	0.00
	58	 	 	20.00	20.00	0.00	20420101	8,663.30	0.00
	59	 	 	10.00	 	0.00	20420101	19,754.89	0.00
	60	 	 	16.00	3.00	0.00	20420101	17,217.00	0.00
	61	 	 	18.00	 	0.00	20420101	19,166.67	0.00
	62	 	 	17.00	17.00	0.00	20420101	4,851.00	0.00
	63	 	 	8.00	10.00	0.00	20420201	14,961.00	0.00
	64	 	 	12.00	0.00	0.00	20420201	5,364.67	3,368.96
	65	 	 	13.00	 	0.00	20420201	11,499.31	0.00
	66	 	 	9.00	0.00	0.00	20420201	41,350.00	0.00
	67	 	 	0.00	 	0.00	20420201	10,729.67	0.00
	68	 	 	10.00	15.00	0.00	20420201	0.00	0.00
	69	 	 	26.00	0.00	495,000.00	20420201	20,683.81	0.00
	70	 	 	20.00	0.00	0.00	20420201	35,332.44	0.00
	71	 	 	19.00	0.00	0.00	20420201	33,650.00	0.00
	72	 	 	20.00	0.00	0.00	20420201	12,691.31	0.00
	73	 	 	20.00	 	0.00	20420301	8,161.33	0.00
	74	 	 	32.00	 	0.00	20420301	16,740.00	0.00
	75	 	 	9.00	 	0.00	20420301	26,038.93	0.00
	76	 	 	17.00	0.00	0.00	20420301	123,062.77	0.00
	77	 	 	10.00	0.00	0.00	20420301	16,666.66	0.00
	78	 	 	32.00	 	0.00	20411201	21,333.00	0.00
	79	 	 	3.00	23.00	0.00	20411001	38,912.00	0.00
	80	 	 	10.00	10.00	0.00	20411001	23,493.00	0.00
	81	 	 	18.00	 	0.00	20411001	29,083.00	0.00
	82	 	 	25.00	 	0.00	20411101	20,356.00	10,061.00
	83	 	 	37.00	 	0.00	20411001	13,025.00	0.00
	84	 	 	38.00	 	0.00	20411101	18,401.00	0.00
	85	 	 	11.00	11.00	0.00	20411201	23,192.00	0.00
	86	 	 	22.00	 	0.00	20411001	19,167.00	0.00
	87	 	 	11.00	10.00	0.00	20411001	17,657.00	0.00
	88	 	 	12.00	 	0.00	20411001	12,859.00	82,917.00
	89	 	 	15.00	 	200,000.00	20411001	36,863.00	0.00
	90	 	 	14.00	20.00	0.00	20411101	14,600.00	0.00
	91	 	 	13.00	 	0.00	20411101	49,334.00	0.00
	92	 	 	25.00	 	0.00	20411001	104,862.00	0.00
	93	 	 	31.00	 	0.00	20411001	36,791.00	0.00
	94	 	 	20.00	 	0.00	20411101	43,548.00	0.00
	95	 	 	10.00	6.00	0.00	20411101	6,000.00	0.00
	96	 	 	13.00	 	0.00	20411101	6,125.00	0.00
	97	 	 	11.00	 	0.00	20411101	18,333.00	9,959.00
	98	 	 	18.00	 	0.00	20411001	0.00	0.00
	99	 	 	12.00	7.00	0.00	20411001	35,000.00	0.00
	100	 	 	16.00	 	0.00	20410901	11,667.00	0.00
	101	 	 	3.00	3.00	0.00	20411201	29,055.00	0.00
	102	 	 	5.00	10.00	0.00	20411101	57,141.00	0.00
	103	 	 	11.00	 	0.00	20411201	12,917.00	0.00
	104	 	 	18.00	 	0.00	20411101	26,085.00	0.00
	105	 	 	30.00	 	0.00	20411101	17,614.00	0.00
	106	 	 	8.00	 	0.00	20411101	15,417.00	1,668.00
	107	 	 	19.00	 	0.00	20411101	12,408.00	0.00
	108	 	 	20.00	 	0.00	20411201	10,500.00	19,807.00
	109	 	 	31.00	 	0.00	20411201	17,333.00	0.00
	110	 	 	34.00	33.00	0.00	20411201	18,297.00	0.00
	111	 	 	11.00	19.00	0.00	20411101	16,665.00	0.00
	112	 	 	15.00	 	0.00	20411201	14,925.00	0.00
	113	 	 	12.00	 	0.00	20420101	26,000.00	0.00
	114	 	 	30.00	 	0.00	20411201	18,750.00	1,666.67
	115	 	 	16.00	 	0.00	20420101	21,326.52	0.00
	116	 	 	14.00	 	0.00	20411101	25,604.00	44,204.00
	117	 	 	41.00	29.00	0.00	20420101	0.00	0.00
	118	 	 	36.00	11.00	0.00	20420101	0.00	0.00
	119	 	 	2.00	 	0.00	20411201	0.00	0.00
	120	 	 	21.00	 	0.00	20420101	3,412.00	0.00
	121	 	 	20.00	 	0.00	20420101	0.00	0.00
	122	 	 	13.00	 	0.00	20420101	14,397.17	5,364.35
	123	 	 	22.00	31.00	0.00	20420101	12,135.04	0.00
	124	 	 	11.60	11.60	0.00	20420101	11,574.00	0.00
	125	 	 	20.00	 	0.00	20420101	17,014.00	0.00
	126	 	 	25.00	 	0.00	20420201	35,166.00	0.00
	127	 	 	24.00	 	0.00	20420101	14,916.67	6,712.50
	128	 	 	13.00	 	0.00	20411101	22,112.28	0.00
	129	 	 	30.00	0.00	0.00	20420201	73,646.21	0.00
	130	 	 	8.00	8.00	0.00	20420201	12,659.56	0.00
	131	 	 	20.00	3.00	0.00	20420101	14,831.00	0.00
	132	 	 	8.00	0.00	0.00	20420201	18,750.00	0.00
	133	 	 	20.00	1.00	0.00	20420201	16,293.41	0.00
	134	 	 	6.00	 	0.00	20420101	10,877.75	17,554.65
	135	 	 	25.00	25.00	0.00	20420201	17,698.00	0.00
	136	 	 	30.00	30.00	0.00	20420201	5,583.67	0.00
	137	 	 	24.00	24.00	0.00	20420201	10,208.69	0.00
	138	 	 	31.00	0.00	0.00	20420101	33,800.00	0.00
	139	 	 	9.00	11.00	0.00	20420101	6,642.50	0.00
	140	 	 	21.00	0.00	0.00	20420201	44,173.14	0.00
	141	 	 	0.00	28.00	0.00	20420201	5,045.46	0.00
	142	 	 	0.00	0.00	0.00	20420201	6,802.24	0.00
	143	 	 	30.00	 	0.00	20420201	16,878.73	0.00
	144	 	 	10.00	16.00	250,943.00	20420201	0.00	0.00
	145	 	 	0.00	0.00	0.00	20420201	0.00	0.00
	146	 	 	10.00	 	0.00	20411101	14,396.00	0.00
	147	 	 	15.00	0.00	0.00	20411101	24,583.33	0.00
	148	 	 	12.00	2.00	0.00	20411201	34,483.25	0.00
	149	 	 	0.00	0.00	0.00	20411201	0.00	0.00
	150	 	 	8.00	0.00	0.00	20420101	17,916.67	0.00
	151	 	 	15.00	15.00	0.00	20420101	15,773.34	0.00
	152	 	 	17.00	 	0.00	20420201	21,923.08	0.00
	153	 	 	15.00	0.00	0.00	20420301	10,157.83	5,412.85
	154	 	 	7.00	16.00	0.00	20420201	1,970.00	0.00
	155	 	 	15.00	 	0.00	20420201	0.00	0.00
	156	 	 	8.00	 	0.00	20420101	12,500.02	0.00
	157	 	 	10.00	10.00	0.00	20420201	17,136.95	0.00
	158	 	 	11.00	0.00	0.00	20420201	41,666.67	0.00
	159	 	 	7.00	0.00	0.00	20420301	48,413.49	0.00
	160	 	 	25.00	10.00	0.00	20420201	33,797.29	0.00
	161	 	 	15.00	17.00	0.00	20411201	10,000.00	0.00

 

	KEY	Primary Borrower Wage Income (Commission)	Co-Borrower Wage Income (Salary)	Co-Borrower Wage Income (Bonus)	Co-Borrower Wage Income (Commission)	Originator Doc Code	RWT Income Verification	RWT Asset Verification
	1	0.00	957.00	0.00	0.00	Full	2 years	2 Months
	2	0.00	0.00	0.00	0.00	Full	2 years	2 Months
	3	0.00	 	 	 	Full	2 years	1 Month
	4	0.00	4,051.66	0.00	0.00	Full	2 years	2 Months
	5	0.00	8,025.00	0.00	0.00	Full	2 years	2 Months
	6	0.00	14,043.67	3,293.67	0.00	Full	2 years	2 Months
	7	0.00	 	 	 	Full	2 years	2 Months
	8	0.00	0.00	0.00	0.00	Full	2 years	2 Months
	9	0.00	0.00	0.00	0.00	Full	2 years	2 Months
	10	0.00	6,500.00	0.00	0.00	Full	2 years	2 Months
	11	0.00	0.00	0.00	0.00	Full	2 years	2 Months
	12	0.00	-471.00	0.00	0.00	Full	2 years	2 Months
	13	0.00	3,968.00	0.00	0.00	Full	2 years	1 Month
	14	0.00	0.00	0.00	0.00	Full	2 years	2 Months
	15	0.00	9,358.33	1,475.38	0.00	Full	2 years	2 Months
	16	0.00	8,333.33	0.00	0.00	Full	2 years	2 Months
	17	0.00	12,916.67	0.00	0.00	Full	2 years	2 Months
	18	0.00	0.00	0.00	0.00	Full	2 years	2 Months
	19	0.00	 	 	 	Full	2 years	2 Months
	20	0.00	0.00	0.00	0.00	Full	2 years	2 Months
	21	0.00	0.00	0.00	0.00	Full	2 years	2 Months
	22	0.00	0.00	0.00	0.00	Full	2 years	2 Months
	23	0.00	-3,908.75	0.00	0.00	Full	2 years	2 Months
	24	5,488.54	0.00	0.00	0.00	Full	2 years	1 Month
	25	0.00	 	 	 	Full	2 years	2 Months
	26	0.00	 	 	 	Full	2 years	2 Months
	27	0.00	 	 	 	Full	2 years	2 Months
	28	0.00	 	 	 	Full	2 years	2 Months
	29	0.00	0.00	0.00	0.00	Full	2 years	2 Months
	30	0.00	0.00	0.00	0.00	Full	2 years	1 Month
	31	0.00	0.00	0.00	0.00	Full	2 years	1 Month
	32	0.00	 	 	 	Full	2 years	2 Months
	33	0.00	0.00	0.00	0.00	Full	2 years	2 Months
	34	0.00	0.00	0.00	0.00	Full	2 years	2 Months
	35	0.00	0.00	0.00	0.00	Full	2 years	2 Months
	36	0.00	0.00	0.00	0.00	Full	2 years	2 Months
	37	0.00	 	 	 	Full	2 years	1 Month
	38	0.00	 	 	 	Full	2 years	2 Months
	39	0.00	0.00	0.00	0.00	Full	2 years	2 Months
	40	0.00	0.00	0.00	0.00	Full	2 years	2 Months
	41	0.00	 	 	 	Full	2 years	2 Months
	42	0.00	 	 	 	Full	2 years	2 Months
	43	0.00	0.00	0.00	0.00	Full	2 years	2 Months
	44	0.00	 	 	 	Full	2 years	2 Months
	45	0.00	 	 	 	Full	2 years	2 Months
	46	0.00	5,342.00	0.00	0.00	Full	2 years	2 Months
	47	0.00	0.00	0.00	0.00	Full	2 years	2 Months
	48	0.00	 	 	 	Full	2 years	2 Months
	49	0.00	23,124.00	0.00	0.00	Full	2 years	2 Months
	50	0.00	10,616.93	0.00	0.00	Full	2 years	2 Months
	51	0.00	0.00	0.00	0.00	Full	2 years	2 Months
	52	0.00	0.00	0.00	0.00	Full	2 years	2 Months
	53	0.00	0.00	0.00	0.00	Full	2 years	2 Months
	54	0.00	 	 	 	Full	2 years	2 Months
	55	0.00	 	 	 	Full	2 years	2 Months
	56	0.00	0.00	0.00	0.00	Full	2 years	2 Months
	57	0.00	0.00	0.00	0.00	Full	2 years	2 Months
	58	0.00	10,207.60	0.00	0.00	Full	2 years	2 Months
	59	0.00	 	 	 	Full	2 years	2 Months
	60	0.00	2,500.00	0.00	0.00	Full	2 years	2 Months
	61	0.00	0.00	0.00	0.00	Full	2 years	2 Months
	62	0.00	5,401.38	0.00	0.00	Full	2 years	2 Months
	63	0.00	15,582.00	0.00	0.00	Full	2 years	2 Months
	64	24,059.94	0.00	0.00	0.00	Full	2 years	2 Months
	65	0.00	 	 	 	Full	2 years	2 Months
	66	0.00	0.00	0.00	0.00	Full	2 years	2 Months
	67	0.00	 	 	 	Full	2 years	2 Months
	68	0.00	1,230.83	0.00	0.00	Full	2 years	2 Months
	69	0.00	0.00	0.00	0.00	Full	2 years	2 Months
	70	0.00	0.00	0.00	0.00	Full	2 years	2 Months
	71	0.00	0.00	0.00	0.00	Full	2 years	2 Months
	72	0.00	0.00	0.00	0.00	Full	2 years	2 Months
	73	0.00	 	 	 	Full	2 years	2 Months
	74	0.00	 	 	 	Full	2 years	2 Months
	75	0.00	 	 	 	Full	2 years	2 Months
	76	0.00	0.00	0.00	0.00	Full	2 years	2 Months
	77	0.00	0.00	0.00	0.00	Full	2 years	2 Months
	78	0.00	0.00	0.00	0.00	Full	2 years	2 Months
	79	0.00	4,333.00	0.00	0.00	Full	2 years	2 Months
	80	0.00	16,675.00	0.00	0.00	Full	2 years	2 Months
	81	0.00	 	 	 	Full	2 years	2 Months
	82	0.00	0.00	0.00	0.00	Full	2 years	2 Months
	83	0.00	0.00	0.00	0.00	Full	2 years	1 Month
	84	0.00	0.00	0.00	0.00	Full	2 years	2 Months
	85	0.00	31,550.00	0.00	0.00	Full	2 years	2 Months
	86	0.00	0.00	0.00	0.00	Full	2 years	2 Months
	87	0.00	11,407.00	0.00	0.00	Full	2 years	2 Months
	88	0.00	0.00	0.00	0.00	Full	2 years	2 Months
	89	0.00	 	 	 	Full	2 years	2 Months
	90	0.00	12,833.00	0.00	0.00	Full	2 years	2 Months
	91	0.00	 	 	 	Full	2 years	2 Months
	92	0.00	 	 	 	Full	2 years	2 Months
	93	0.00	 	 	 	Full	2 years	2 Months
	94	0.00	 	 	 	Full	2 years	2 Months
	95	0.00	12,750.00	0.00	0.00	Full	2 years	2 Months
	96	0.00	 	 	 	Full	2 years	2 Months
	97	5,632.00	0.00	0.00	0.00	Full	2 years	2 Months
	98	0.00	 	 	 	Full	2 years	2 Months
	99	0.00	10,000.00	0.00	0.00	Full	2 years	2 Months
	100	0.00	0.00	0.00	0.00	Full	2 years	2 Months
	101	0.00	7,500.00	0.00	0.00	Full	2 years	2 Months
	102	0.00	5,661.00	0.00	0.00	Full	2 years	2 Months
	103	0.00	 	 	 	Full	2 years	2 Months
	104	0.00	 	 	 	Full	2 years	2 Months
	105	0.00	 	 	 	Full	2 years	2 Months
	106	0.00	 	 	 	Full	2 years	2 Months
	107	0.00	0.00	0.00	0.00	Full	2 years	2 Months
	108	0.00	 	 	 	Full	2 years	2 Months
	109	0.00	 	 	 	Full	2 years	2 Months
	110	0.00	6,240.00	0.00	0.00	Full	2 years	2 Months
	111	0.00	10,000.00	0.00	0.00	Full	2 years	2 Months
	112	0.00	 	 	 	Full	2 years	2 Months
	113	0.00	 	 	 	Full	2 years	2 Months
	114	0.00	 	 	 	Full	2 years	2 Months
	115	0.00	0.00	0.00	0.00	Full	2 years	2 Months
	116	0.00	 	 	 	Full	2 years	2 Months
	117	0.00	16,022.50	0.00	0.00	Full	2 years	2 Months
	118	0.00	0.00	0.00	0.00	Full	2 years	2 Months
	119	0.00	0.00	0.00	0.00	Full	2 years	2 Months
	120	0.00	 	 	 	Full	2 years	2 Months
	121	0.00	 	 	 	Full	2 years	2 Months
	122	0.00	0.00	0.00	0.00	Full	2 years	2 Months
	123	0.00	4,164.36	0.00	0.00	Full	2 years	2 Months
	124	0.00	2,484.00	0.00	0.00	Full	2 years	2 Months
	125	0.00	 	 	 	Full	2 years	2 Months
	126	0.00	 	 	 	Full	2 years	2 Months
	127	0.00	 	 	 	Full	2 years	2 Months
	128	0.00	 	 	 	Full	2 years	2 Months
	129	0.00	0.00	0.00	0.00	Full	2 years	2 Months
	130	0.00	12,723.68	0.00	0.00	Full	2 years	2 Months
	131	0.00	648.00	0.00	0.00	Full	2 years	2 Months
	132	0.00	0.00	0.00	0.00	Full	2 years	2 Months
	133	0.00	5,416.66	0.00	0.00	Full	2 years	2 Months
	134	0.00	 	 	 	Full	2 years	2 Months
	135	0.00	10,189.00	0.00	0.00	Full	2 years	2 Months
	136	0.00	5,583.67	0.00	0.00	Full	2 years	2 Months
	137	0.00	9,130.43	0.00	0.00	Full	2 years	2 Months
	138	0.00	0.00	0.00	0.00	Full	2 years	2 Months
	139	0.00	0.00	0.00	0.00	Full	2 years	2 Months
	140	0.00	0.00	0.00	0.00	Full	2 years	2 Months
	141	0.00	22,416.00	0.00	0.00	Full	2 years	2 Months
	142	0.00	0.00	0.00	0.00	Full	2 years	2 Months
	143	0.00	2,740.96	0.00	0.00	Full	2 years	2 Months
	144	0.00	0.00	0.00	0.00	Full	2 years	2 Months
	145	0.00	0.00	0.00	0.00	Full	2 years	2 Months
	146	0.00	 	 	 	Full	2 years	2 Months
	147	0.00	0.00	0.00	0.00	Full	2 years	2 Months
	148	0.00	-57.33	0.00	0.00	Full	2 years	2 Months
	149	0.00	0.00	0.00	0.00	Full	2 years	2 Months
	150	0.00	0.00	0.00	0.00	Full	2 years	2 Months
	151	0.00	16,778.08	0.00	0.00	Full	2 years	2 Months
	152	0.00	 	 	 	Full	2 years	2 Months
	153	0.00	0.00	0.00	0.00	Full	2 years	2 Months
	154	0.00	16,723.17	0.00	0.00	Full	2 years	2 Months
	155	0.00	 	 	 	Full	2 years	2 Months
	156	0.00	 	 	 	Full	2 years	2 Months
	157	0.00	7,399.58	0.00	0.00	Full	2 years	2 Months
	158	0.00	0.00	0.00	0.00	Full	2 years	2 Months
	159	0.00	0.00	0.00	0.00	Full	2 years	2 Months
	160	0.00	1,015.72	0.00	0.00	Full	2 years	2 Months
	161	0.00	15,134.00	 	 	Full	2 years	2 Months

 

    	 

    	 

    

ASF RMBS DISCLOSURE PACKAGE

	
Field

Number

	
Field Name

	
Field Description

	
Type of

Field

	
Data Type

	
Sample Data

	
Format

	
When

Applicable?

	
Valid Values

	
Proposed

Unique

Coding

	
Notes

	
1

	
Primary Servicer

	
The MERS Organization ID of the company that has or will have the right to service the loan.

	
General Information

	
Numeric – Integer

	
2351805

	
9(7)

	
Always

	
”9999999” if Unknown

	  	  
	
2

	
Servicing Fee—Percentage

	
Aggregate monthly fee paid to all servicers, stated in decimal form.

	
General Information

	
Numeric - Decimal

	
0.0025

	
9.999999

	
Loans without flat-dollar servicing fees

	
>= 0 and < 1

	  	
Must be populated if Field 3 is Null

	
3

	
Servicing Fee—Flat-dollar

	
Aggregate monthly fee paid to all servicers, stated as a dollar amount.

	
General Information

	
Numeric – Decimal

	
7.5

	
9(3).99

	
Loans with flat-dollar servicing fees

	
>= 0 and

<= 999

	  	
Must be populated if 2 is Null

	
4

	
Servicing Advance Methodology

	
The manner in which principal and/or interest are to be advanced by the servicer.

	
General Information

	
Numeric – Integer

	
2

	
99

	
Always

	
See Coding

	
1 = Scheduled Interest, Scheduled Principal

2 = Actual Interest, Actual Principal

3 = Scheduled Interest, Actual Principal

99 = Unknown

	  
	
5

	
Originator

	
The MERS Organization ID of the entity that lends funds to the borrower and, in return, places a lien on the mortgage property as collateral.

	
General Information

	
Numeric – Integer

	
5938671

	
9(7)

	
Always

	
”9999999” if Unknown

	  	  
	
6

	
Loan Group

	
Indicates the collateral group number in which the loan falls (for structures with multiple collateral groups). Use “1” if there is only one loan group.

	
General Information

	
Text

	
1A

	
XXXX

	
Always

	
“UNK” if Unknown

	  	  
	
7

	
Loan Number

	
Unique National Mortgage Loan ID Number (Vendor TBD).

	
General Information

	
Numeric – Integer

	
TBD

	
TBD

	
Always

	
TBD

	  	
Details to be provided by Vendor

	
8

	
Amortization Type

	
Indicates whether the loan’s interest rate is fixed or adjustable (Hybrid ARMs are adjustable).

	
Loan Type

	
Numeric – Integer

	
2

	
99

	
Always

	
See Coding

	
1 = Fixed

2 = Adjustable

99 = Unknown

	  
	
9

	
Lien Position

	
A number indicating the loan’s lien position (1 = first lien, etc.).

	
Loan Type

	
Numeric – Integer

	
1

	
99

	
Always

	
>0

	
99 = Unknown

	  
	
10

	
HELOC Indicator

	
Indicates whether the loan is a home equity line of credit.

	
Loan Type

	
Numeric – Integer

	
1

	
99

	
Always

	
See Coding

	
0 = No

1 = Yes

99 = Unknown

	  
	
11

	
Loan Purpose

	
Indicates the purpose of the loan.

	
Loan Type

	
Numeric – Integer

	
9

	
99

	
Always

	
See Coding

	
See Appendix A

	  
	
12

	
Cash Out Amount

	
For “Cash-out” loans (see Glossary):

 

[NEW LOAN AMOUNT] – [PAID-OFF FIRST MORTGAGE LOAN AMOUNT] – [PAID-OFF SECOND MORTGAGE LOAN AMOUNT (if Second was used to purchase the property)] – [CLOSING COSTS].

	
Loan Type

	
Numeric – Decimal

	
72476.5

	
9(10).99

	
Always

	
>= 0

	  	  
	
13

	
Total Origination and Discount Points (in dollars)

	
Amount paid to the lender to increase the lender’s effective yield and, in the case of discount points, to reduce the interest rate paid by the borrower.

	
Loan Type

	
Numeric – Decimal

	
5250

	
9(10).99

	
Always

	
>= 0

	  	
Typically Lines 801 and 802 of HUD Settlement Statement

	
14

	
Covered/High Cost Loan Indicator

	
Indicates whether the loan is categorized as “high cost” or “covered” according to state or federal statutes or regulations.

	
Loan Type

	
Numeric – Integer

	
1

	
99

	
Always

	
See Coding

	
0 = No

1 = Yes

99 = Unknown

	  
	
15

	
Relocation Loan Indicator

	
Indicates whether the loan is part of a corporate relocation program.

	
Loan Type

	
Numeric – Integer

	
1

	
99

	
Always

	
See Coding

	
0 = No

1 = Yes

99 = Unknown

	  
	
16

	
Broker Indicator

	
Indicates whether a broker took the application.

	
Loan Type

	
Numeric – Integer

	
1

	
99

	
Always

	
See Coding

	
0 = No

1 = Yes

99 = Unknown

	  
	
17

	
Channel

	
Code indicating the source (channel) from which the Issuer obtained the mortgage loan.

	
Loan Type

	
Numeric – Integer

	
2

	
99

	
Always

	
See Coding

	
1 = Retail

2 = Broker

3 = Correspondent Bulk

4 = Correspondent Flow with delegated underwriting

5 = Correspondent Flow without delegated underwriting

99 = Unknown

	  
	
18

	
Escrow Indicator

	
Indicates whether various homeownership expenses are paid by the borrower directly or through an escrow account (as of securitization cut-off date).

	
Loan Type

	
Numeric – Integer

	
3

	
99

	
Always

	
See Coding

	
0 = No Escrows

1 = Taxes

2 = Insurance

3 = HOA dues

4 = Taxes and Insurance

5 = All

99 =Unknown

	  
	
19

	
Senior Loan Amount(s)

	
For non-first mortgages, the sum of the balances of all associated senior mortgages at the time of origination of the subordinate lien.

	
Mortgage Lien Info

	
Numeric – Decimal

	
611004.25

	
9(10).99

	
If Lien Position > 1

	
>= 0

	  	  
	
20

	
Loan Type of Most Senior Lien

	
For non-first mortgages, indicates whether the associated first mortgage is a Fixed, ARM, Hybrid, or negative amortization loan.

	
Mortgage Lien Info

	
Numeric – Integer

	
2

	
99

	
If Lien Position > 1

	
See Coding

	
1 = Fixed Rate

2 = ARM

3 = Hybrid

4 = Neg Am

99 = Unknown

	  
	
21

	
Hybrid Period of Most Senior Lien (in months)

	
For non-first mortgages where the associated first mortgage is a hybrid ARM, the number of months remaining in the initial fixed interest rate period for the hybrid first mortgage.

	
Mortgage Lien Info

	
Numeric – Integer

	
23

	
999

	
If Lien Position > 1

AND the most senior lien is a hybrid ARM (see Field 20)

	
>= 0

	  	  
	
22

	
Neg Am Limit of Most Senior Lien

	
For non-first mortgages where the associated first mortgage features negative amortization, the maximum percentage by which the negatively amortizing balance may increase (expressed as a proportion of the senior lien’s original balance).

	
Mortgage Lien Info

	
Numeric – Decimal

	
1.25

	
9.999999

	
If Lien Position > 1

AND the senior lien is Neg Am (see Field 20)

	
>= 1 and <= 2

	  	  
	
23

	
Junior Mortgage Balance

	
For first mortgages with subordinate liens at the time of origination, the combined balance of the subordinate liens (if known).

	
Mortgage Lien Info

	
Numeric – Decimal

	
51775.12

	
9(10).99

	
If Lien Position = 1 and there is a 2nd lien on the subject property

	
>= 0

	  	
Subject to Regulatory Confirmation

	
24

	
Origination Date of Most Senior Lien

	
For non-first mortgages, the origination date of the associated first mortgage.

	
Mortgage Lien Info

	
Date

	
20090914

	
YYYYMMDD

	
If Lien Position > 1 and there is a 2nd lien on the subject property

	
“19010101” if unknown

	  	  
	
25

	
Origination Date

	
The date of the Mortgage Note and Mortgage/Deed of Trust

	
Loan Term and Amortization Type

	
Date

	
20090914

	
YYYYMMDD

	
Always

	
“19010101” if unknown

	  	  
	
26

	
Original Loan Amount

	
The dollar amount of the mortgage loan, as specified on the mortgage note at the time of the loan’s origination. For HELOCs, the maximum available line of credit.

	
Loan Term and Amortization Type

	
Numeric – Decimal

	
150000

	
9(10).99

	
Always

	
>0

	  	  
	
27

	
Original Interest Rate

	
The original note rate as indicated on the mortgage note.

	
Loan Term and Amortization Type

	
Numeric – Decimal

	
0.0475

	
9.999999

	
Always

	
> 0 and <= 1

	  	  
	
28

	
Original Amortization Term

	
The number of months in which the loan would be retired if the amortizing principal and interest payment were to be paid each month.

	
Loan Term and Amortization Type

	
Numeric – Integer

	
360

	
999

	
Always

	
>= 60

	  	  
	
29

	
Original Term to Maturity

	
The initial number of months between loan origination and the loan maturity date, as specified on the mortgage note.

	
Loan Term and Amortization Type

	
Numeric – Integer

	
60

	
999

	
Always

	
>0

	
N/A

	  
	
30

	
First Payment Date of Loan

	
The date of the first scheduled mortgage payment to be made by the borrower as specified on the mortgage note.

	
Loan Term and Amortization Type

	
Date

	
20090914

	
YYYYMMDD

	
Always

	
“19010101” if unknown

	
N/A

	  
	
31

	
Interest Type Indicator

	
Indicates whether the interest rate calculation method is simple or actuarial.

	
Loan Term and Amortization Type

	
Numeric – Integer

	
2

	
99

	
Always

	
See Coding

	
1= Simple

2 = Actuarial

99 = Unknown

	  
	
32

	
Original Interest Only Term

	
Original interest-only term for a loan in months (including NegAm Loans).

	
Loan Term and Amortization Type

	
Numeric – Integer

	
60

	
999

	
Always

	
>= 0 and <= 240

Unknown = Blank;

No Interest Only Term = 0

	  	  
	
33

	
Buy Down Period

	
The total number of months during which any buy down is in effect, representing the accumulation of all buy down periods.

	
Loan Term and Amortization Type

	
Numeric – Integer

	
65

	
999

	
Always

	
>= 0 and <= 100

Unknown = Blank;

No Buy Down = 0

	  	  
	
34

	
HELOC Draw Period

	
The original number of months during which the borrower may draw funds against the HELOC account.

	
Loan Term and Amortization Type

	
Numeric – Integer

	
24

	
999

	
HELOCs Only

	
>= 12 and <= 120

	  	  
	
35

	
Scheduled Loan Amount

	
Mortgage loan scheduled principal balance as of cut-off date. For HELOCs, the current drawn amount.

	
Loan Term and Amortization Type

	
Numeric – Decimal

	
248951.19

	
9(10).99

	
Always

	
>= 0

	  	  
	
36

	
Current Interest Rate

	
The interest rate used to calculate the current P&I or I/O payment.

	
Loan Term and Amortization Type

	
Numeric – Decimal

	
0.05875

	
9.999999

	
Always

	
> 0 and <= 1

	  	  
	
37

	
Current Payment Amount Due

	
Next Total Payment due to be collected (including principal, interest or both—but Exclude Escrow Amounts).

	
Loan Term and Amortization Type

	
Numeric – Decimal

	
1250.15

	
9(10).99

	
Always

	
> 0

	  	  
	
38

	
Scheduled Interest Paid

Through Date

	  	
Loan Term and Amortization Type

	
Date

	
20090429

	
YYYYMMDD

	
Always

	
“19010101” if unknown

	  	  
	
39

	
Current Payment Status

	
Number of payments the borrower is past due as of the securitization cut-off date.

	
Loan Term and Amortization Type

	
Numeric – Integer

	
3

	
99

	
Always

	
>= 0

	  	  
	
40

	
Index Type

	
Specifies the type of index to be used to determine the interest rate at each adjustment.

	
Adjustable Rate Mortgages (ARMs)

	
Numeric – Integer

	
18

	
99

	
ARMs Only

	
See Coding

	
See Appendix B

	  
	
41

	
ARM Look-back Days

	
The number of days prior to the interest rate adjustment date to retrieve the index value.

	
Adjustable Rate Mortgages (ARMs)

	
Numeric – Integer

	
45

	
99

	
ARMs Only

	
>= 0 to <=99

	  	  
	
42

	
Gross Margin

	
The percentage stated on the mortgage note representing the spread between the ARM Index value and the mortgage interest rate. The gross mortgage margin is added to the index value to establish a new gross interest rate in the manner prescribed on the mortgage note.

	
Adjustable Rate Mortgages (ARMs)

	
Numeric – Decimal

	
0.03

	
9.999999

	
ARMs Only

	
>0 and <= 1

	  	  
	
43

	
ARM Round Flag

	
An indicator of whether an adjusted interest rate is rounded to the next higher ARM round factor, to the next lower round factor, or to the nearest round factor.

	
Adjustable Rate Mortgages (ARMs)

	
Numeric – Integer

	
3

	
9

	
ARMs Only

	
See Coding

	
0 = No Rounding

1 = Up

2 = Down

3 = Nearest

99=Unknown

	  
	
44

	
ARM Round Factor

	
The percentage to which an adjusted interest rate is to be rounded.

	
Adjustable Rate Mortgages (ARMs)

	
Numeric – Decimal

	
0.0025 or 0.00125

	
9.999999

	
ARMs Only

Where ARM Round Flag = 1, 2, or 3

	
>= 0 and < 1

	  	  
	
45

	
Initial Fixed Rate Period

	
For hybrid ARMs, the period between the first payment date of the mortgage and the first interest rate adjustment date.

	
Adjustable Rate Mortgages (ARMs)

	
Numeric – Integer

	
60

	
999

	
Hybrid ARMs Only

	
>= 1 to <=240

	  	  
	
46

	
Initial Interest Rate Cap (Change Up)

	
The maximum percentage by which the mortgage note rate may increase at the first interest rate adjustment date.

	
Adjustable Rate Mortgages (ARMs)

	
Numeric – Decimal

	
0.02

	
9.999999

	
ARMs Only

	
>= 0 and <= 1

	
99=no cap

	  
	
47

	
Initial Interest Rate  Cap (Change Down)

	
The maximum percentage by which the mortgage note rate may decrease at the first interest rate adjustment date.

	
Adjustable Rate Mortgages (ARMs)

	
Numeric – Decimal

	
0.02

	
9.999999

	
ARMs Only

	
>= 0 and <= 1

	
99=no cap

	  
	
48

	
Subsequent Interest Rate Reset Period

	
The number of months between subsequent rate adjustments.

	
Adjustable Rate Mortgages (ARMs)

	
Numeric – Integer

	
60

	
999

	
ARMs Only

	
>=0 and <= 120

	  	
0 = Loan does not adjust after initial reset

	
49

	
Subsequent Interest Rate (Change Down)

	
The maximum percentage by which the interest rate may decrease at each rate adjustment date after the initial adjustment.

	
Adjustable Rate Mortgages (ARMs)

	
Numeric – Decimal

	
0.02

	
9.999999

	
ARMs Only

	
>= 0 and <= 1

	
99=no cap

	  
	
50

	
Subsequent Interest Rate Cap (Change Up)

	
The maximum percentage by which the interest rate may increase at each rate adjustment date after the initial adjustment.

	
Adjustable Rate Mortgages (ARMs)

	
Numeric – Decimal

	
0.02

	
9.999999

	
ARMs Only

	
>= 0 and <= 1

	
99=no cap

	  
	
51

	
Lifetime Maximum Rate (Ceiling)

	
The maximum interest rate that can be in effect during the life of the loan.

	
Adjustable Rate Mortgages (ARMs)

	
Numeric – Decimal

	
0.125

	
9.999999

	
ARMs Only

	
>= 0 and <= 1

	  	
=1 if no ceiling specified

	 
	 
	
52

	
Lifetime Minimum Rate (Floor)

	
The minimum interest rate that can be in effect during the life of the loan.

	
Adjustable Rate Mortgages (ARMs)

	
Numeric – Decimal

	
0.015

	
9.999999

	
ARMs Only

	
>= 0 and <= 1

	  	
If no floor is specified enter the greater of the margin or 0.

	
53

	
Negative Amortization Limit

	
The maximum amount of negative amortization allowed before recast is required. (Expressed as a percentage of the original unpaid principal balance.)

	
Negative Amortization

	
Numeric – Decimal

	
1.25

	
9.999999

	
Negatively Amortizing ARMs Only

	
>=0, and <2

	  	  
	
54

	
Initial Negative Amortization Recast Period

	
The number of months in which the payment is required to recast if the loan does not reach the prescribed maximum balance earlier.

	
Negative Amortization

	
Numeric – Integer

	
60

	
999

	
Negatively Amortizing ARMs Only

	
>=0

	  	  
	
55

	
Subsequent Negative Amortization Recast Period

	
The number of months after which the payment is required to recast AFTER the first recast period.

	
Negative Amortization

	
Numeric – Integer

	
48

	
999

	
Negatively Amortizing ARMs Only

	
>=0

	  	  
	
56

	
Initial Fixed Payment Period

	
Number of months after origination during which the payment is fixed.

	
Negative Amortization

	
Numeric – Integer

	
60

	
999

	
Negatively Amortizing Hybrid ARMs Only

	
>= 0 to <=120

	  	  
	
57

	
Subsequent Payment Reset Period

	
Number of months between payment adjustments after first payment reset.

	
Negative Amortization

	
Numeric – Integer

	
12

	
999

	
Negatively Amortizing ARMs Only

	
>= 0 to <=120

	  	  
	
58

	
Initial Periodic Payment Cap

	
The maximum percentage by which a payment can change (increase or decrease) in the first period.

	
Negative Amortization

	
Numeric – Decimal

	
0.075

	
9.999999

	
Negatively Amortizing ARMs Only

	
>= 0 and < 1

	  	  
	
59

	
Subsequent Periodic Payment Cap

	
The maximum percentage by which a payment can change (increase or decrease) in one period after the initial cap.

	
Negative Amortization

	
Numeric – Decimal

	
0.075

	
9.999999

	
Negatively Amortizing ARMs Only

	
>= 0 and < 1

	  	  
	
60

	
Initial Minimum Payment Reset Period

	
The maximum number of months a borrower can initially pay the minimum payment before a new minimum payment is determined.

	
Negative Amortization

	
Numeric – Integer

	
12

	
999

	
Negatively Amortizing ARMs Only

	
>= 0 to <=120

	  	  
	
61

	
Subsequent Minimum Payment Reset Period

	
The maximum number of months (after the initial period) a borrower can pay the minimum payment before a new minimum payment is determined after the initial period.

	
Negative Amortization

	
Numeric – Integer

	
12

	
999

	
Negatively Amortizing ARMs Only

	
>= 0 to <=120

	  	  
	
62

	
Option ARM Indicator

	
An indicator of whether the loan is an Option ARM.

	
Negative Amortization

	
Numeric – Integer

	
1

	
99

	
ARMs Only

	
See Coding

	
0 = No

1 = Yes

99 = Unknown

	  
	
63

	
Options at Recast

	
The means of computing the lowest monthly payment available to the borrower after recast.

	
Option ARM

	
Numeric – Integer

	
2

	
99

	
Option ARMs Only

	
N/A

	
1= Fully amortizing 30 year

2= Fully amortizing 15 year

3=Fully amortizing 40 year

4 = Interest-Only

5 = Minimum Payment

99= Unknown

	  
	
64

	
Initial Minimum Payment

	
The initial minimum payment the borrower is permitted to make.

	
Option ARM

	
Numeric – Decimal

	
879.52

	
99

	
Option ARMs Only

	
>=0

	  	  
	
65

	
Current Minimum Payment

	
Current Minimum Payment (in dollars).

	
Negative Amortization

	
Numeric – Decimal

	
250

	
9(10).99

	
Option ARMs Only

	
>= 0

	  	  
	
66

	
Prepayment Penalty Calculation

	
A description of how the prepayment penalty would be calculated during each phase of the prepayment penalty term.

	
Prepayment Penalties

	
Numeric – Integer

	
12

	
99

	
Always

	
See Coding

	
See Appendix C

	  
	
67

	
Prepayment Penalty Type

	
• Hard: The prepayment penalty is incurred regardless of the reason the loan is prepaid in full.

• Hybrid: The prepayment penalty can be characterized as hard for a certain amount of time and as soft during another period.

 

	
Prepayment Penalties

	
Numeric – Integer

	
1

	
99

	
All loans with Prepayment Penalties (i.e., loans for which Field 66 = something other than “0”)

	
See Coding

	
1 = Hard

2 = Soft

3 = Hybrid

99 = Unknown

	  
	
68

	
Prepayment Penalty Total Term

	
The total number of months that the prepayment penalty may be in effect.

	
Prepayment Penalties

	
Numeric – Integer

	
60

	
999

	
All loans with Prepayment Penalties (i.e., loans for which Field 66 = something other than “0”)

	
>0 to <=120

	  	  
	
69

	
Prepayment Penalty Hard Term

	
For hybrid prepayment penalties, the number of months during which a “hard” prepayment penalty applies.

	
Prepayment Penalties

	
Numeric – Integer

	
12

	
999

	
Loans with Hybrid Prepayment Penalties (i.e., loans for which Field 67 = “3”)

	
>= 0 to <=120

	  	  
	
70

	
Primary Borrower ID

	
A lender-generated ID number for the primary borrower on the mortgage

	
Borrower

	
Numeric—Integer

	
123456789

	
999999999

	
Always

	
>0

	  	
Used to identify the number of times a single borrower appears in a given deal.

	
71

	
Number of Mortgaged Properties

	
The number of residential properties owned by the borrower that currently secure mortgage loans.

	
Borrower

	
Numeric – Integer

	
1

	
99

	
Always

	
> 0

	  	  
	
72

	
Total Number of Borrowers

	
The number of Borrowers who are obligated to repay the mortgage note.

	
Borrower

	
Numeric – Integers

	
2

	
99

	
Always

	
> 0

	  	  
	
73

	
Self-employment Flag

	
An indicator of whether the primary borrower is self-employed.

	
Borrower

	
Numeric – Integer

	
1

	
99

	
Always

	
See Coding

	
0 = No

1 = Yes

99 = Unknown

	  
	
74

	
Current ‘Other’ Monthly Payment

	
The aggregate of all payments pertaining to the subject property other than principal and interest (includes common charges, condo fees, T&I, HOA, etc.), whether escrowed or not.

	
Loan Term and Amortization Type

	
Numeric – Decimal

	
1789.25

	
9(10).99

	
Always

	
> 0

	  	  
	
75

	
Length of Employment: Borrower

	
The number of years of service with the borrower’s current employer as of the date of the loan.

	
Borrower Qualification

	
Numeric – Decimal

	
3.5

	
99.99

	
Always

	
>=0

	
99 = Retired, None employment income soure (social security, trust income, dividends, etc.)

	  
	
76

	
Length of Employment: Co-Borrower

	
The number of years of service with the co-borrower’s current employer as of the date of the loan.

	
Borrower Qualification

	
Numeric – Decimal

	
3.5

	
99.99

	
If “Total Number of Borrowers” > 1

	
>= 0

	
99 = Retired, None employment income soure (social security, trust income, dividends, etc.)

	  
	
77

	
Years in Home

	
Length of time that the borrower has been at current address.

	
Borrower Qualification

	
Numeric – Decimal

	
14.5

	
99.99

	
Refinances of Primary Residences Only (Loan Purpose = 1, 2, 3, 4, 8 or 9)

	
> 0

	  	  
	
78

	
FICO Model Used

	
Indicates whether the FICO score was calculated using the Classic, Classic 08, or Next Generation model.

	
Borrower Qualification

	
Numeric – Integer

	
1

	
99

	
If a FICO score was obtained

	
See Coding

	
1 = Classic

2 = Classic 08

3 = Next Generation

99 = Unknown

	  
	
79

	
Most Recent FICO Date

	
Specifies the date on which the most recent FICO score was obtained

	
Borrower Qualification

	
Date

	
20090914

	
YYYYMMDD

	
If a FICO score was obtained

	
“19010101” if unknown

	  	
Issuers unable to Provide may Rep and Warrant that the FICO score used for underwriting was not more than 4 months old at the date of issuance.

	
80

	
Primary Wage Earner Original FICO:  Equifax

	
Equifax FICO score for primary borrower (if applicable).

	
Borrower Qualification

	
Numeric – Integer

	
720

	
9999

	
If a FICO score was obtained

	
>= 350 and <= 850

	  	  
	
81

	
Primary Wage Earner Original FICO:  Experian

	
Experian FICO score for primary borrower (if applicable).

	
Borrower Qualification

	
Numeric – Integer

	
720

	
9999

	
If a FICO score was obtained

	
>= 350 and <= 850

	  	  
	
82

	
Primary Wage Earner Original FICO:  TransUnion

	
TransUnion FICO score for primary borrower (if applicable).

	
Borrower Qualification

	
Numeric – Integer

	
720

	
9999

	
If a FICO score was obtained

	
>= 350 and <= 850

	  	  
	
83

	
Secondary Wage Earner Original FICO:  Equifax

	
Equifax FICO score for Co-borrower (if applicable).

	
Borrower Qualification

	
Numeric – Integer

	
720

	
9999

	
If “Total Number of Borrowers” > 1

	
>= 350 and <= 850

	  	  
	
84

	
Secondary Wage Earner Original FICO:  Experian

	
Experian FICO score for Co-borrower (if applicable).

	
Borrower Qualification

	
Numeric – Integer

	
720

	
9999

	
If “Total Number of Borrowers” > 1

	
>= 350 and <= 850

	  	  
	
85

	
Secondary Wage Earner Original FICO: TransUnion

	
TransUnion FICO score for Co-borrower (if applicable).

	
Borrower Qualification

	
Numeric – Integer

	
720

	
9999

	
If “Total Number of Borrowers” > 1

	
>= 350 and <= 850

	  	  
	
86

	
Most Recent Primary Borrower FICO

	
Most Recent Primary Borrower FICO score used by the lender to approve the loan.

	
Borrower Qualification

	
Numeric – Integer

	
720

	
9999

	
If a FICO score was obtained

	
>= 350 and <= 850

	  	  
	
87

	
Most Recent Co-Borrower FICO

	
Most Recent Co-Borrower FICO score used by the lender to approve the loan.

	
Borrower Qualification

	
Numeric – Integer

	
720

	
9999

	
If “Total Number of Borrowers” > 1

	
>= 350 and <= 850

	  	  
	
88

	
Most Recent FICO Method

	
Number of credit repositories used to update the FICO Score.

	
Borrower Qualification

	
Numeric – Integer

	
2

	
9

	
If a FICO score was obtained

	
>0

	  	  
	
89

	
VantageScore: Primary Borrower

	
Credit Score for the Primary Borrower used to approve the loan and obtained using the Vantage credit evaluation model.

	
Borrower Qualification

	
Numeric – Integer

	
720

	
9999

	
If a Vantage Credit Score was obtained

	
>= 501 and <= 990

	  	  
	
90

	
VantageScore: Co-Borrower

	
Credit Score for the Co-borrower used to approve the loan and obtained using the Vantage credit evaluation model.

	
Borrower Qualification

	
Numeric – Integer

	
720

	
9999

	
If a VantageScore was obtained AND “Total Number of Borrowers” > 1

	
>= 501 and <= 990

	  	  
	
91

	
Most Recent VantageScore Method

	
Number of credit repositories used to update the Vantage Score.

	
Borrower Qualification

	
Numeric – Integer

	
2

	
9

	
If a Vantage Credit Score was obtained

	
>0

	  	  
	
92

	
VantageScore Date

	
Date Vantage Credit Score was obtained.

	
Borrower Qualification

	
Date

	
20090914

	
YYYYMMDD

	
If a Vantage Credit Score was obtained

	
“19010101” if unknown

	  	  
	
93

	
Credit Report: Longest Trade Line

	
The length of time in months that the oldest active trade line, installment or revolving, has been outstanding. For a loan with more than one borrower, populate field based on status for the primary borrower.

	
Borrower Qualification

	
Numeric – Integer

	
999

	
999

	
Always

	
> =0

	  	
Subject to Regulatory Confirmation

	
94

	
Credit Report: Maximum Trade Line

	
The dollar amount for the trade line, installment or revolving, with the largest unpaid balance. For revolving lines of credit, e.g. credit card, the dollar amount reported should reflect the maximum amount of credit available under the credit line whether used or not. For a loan with more than one borrower, populate field based on status for the primary borrower.

	
Borrower Qualification

	
Numeric – Decimal

	
339420.19

	
9(10).99

	
Always

	
>=0

	  	
Subject to Regulatory Confirmation

	
95

	
Credit Report: Number of Trade Lines

	
A count of non-derogatory, currently open and active, consumer trade lines (installment or revolving) for the borrower. For a loan with more than one borrower, populate field based on status for the primary borrower.

	
Borrower Qualification

	
Numeric – Integer

	
57

	
999

	
Always

	
>=0

	  	
Subject to Regulatory Confirmation

	
96

	
Credit Line Usage Ratio

	
Sum of credit balances divided by sum of total open credit available.

	
Borrower Qualification

	
Numeric – Decimal

	
0.27

	
9.999999

	
Always

	
>= 0 and <= 1

	  	
Subject to Regulatory Confirmation

	
97

	
Most Recent 12-month Pay History

	
String indicating the payment status per month listed from oldest to most recent.

	
Borrower Qualification

	
Text

	
77X123200001

	
X(12)

	
Always

	
See Coding

	
0 = Current

1 = 30-59 days delinquent

2 = 60-89 days delinquent

3 = 90-119 days delinquent

4 = 120+ days delinquent

5 = Foreclosure

6 = REO

7 = Loan did not exist in period

X = Unavailable

	  
	
98

	
Months Bankruptcy

	
Number of months since any borrower was discharged from bankruptcy. (Issuers unable to provide this information may rep and warrant that at least x years—as specified in the loan program—have passed since most recent discharge from bankruptcy.)

	
Borrower Qualification

	
Numeric – Integer

	
12

	
999

	
If Borrower has ever been in Bankruptcy

	
>= 0

	  	
Blank = Borrower is not known to have been in bankruptcy

	
99

	
Months Foreclosure

	
Number of months since foreclosure sale date. (Issuers unable to provide this information may rep and warrant that at least x years—as specified in the loan program— have passed since most recent foreclosure.)

	
Borrower Qualification

	
Numeric – Integer

	
12

	
999

	
If Borrower has ever been in Foreclosure

	
>= 0

	  	
Blank = Borrower is not known to have been in foreclosure

	
100

	
Primary Borrower Wage Income

	
Monthly base wage income for primary borrower.

	
Borrower Qualification

	
Numeric – Decimal

	
9000

	
9(9).99

	
Always

	
>= 0

	  	  
	
101

	
Co-Borrower Wage Income

	
Monthly base wage income for all other borrowers.

	
Borrower Qualification

	
Numeric – Decimal

	
9000

	
9(9).99

	
If “Total Number of Borrowers” > 1

	
>= 0

	  	  
	
102

	
Primary Borrower Other Income

	
Monthly Other (non-wage) income for primary borrower. (This figure should include net rental income and be reduced by any net rental loss.)

	
Borrower Qualification

	
Numeric – Decimal

	
9000

	
9(9).99

	
Always

	
>= 0

	  	  
	
103

	
Co-Borrower Other Income

	
Monthly Other (non-wage) income for all other borrowers. (This figure should include net rental income and be reduced by any net rental loss.)

	
Borrower Qualification

	
Numeric – Decimal

	
9000

	
9(9).99

	
If “Total Number of Borrowers” > 1

	
>= 0

	  	  
	
104

	
All Borrower Wage Income

	
Monthly income of all borrowers derived from base salary only.

	
Borrower Qualification

	
Numeric – Decimal

	
9000

	
9(9).99

	
Always

	
>= 0

	  	  
	
105

	
All Borrower Total Income

	
Monthly income of all borrowers derived from base salary, commission, tips and gratuities, overtime and bonuses, part-time or second-job earnings, alimony, child support, interest and dividend income, notes receivable, trust income, net rental income, retirement income, social security, veterans income, military income, foster care income, and self-employed income.

	
Borrower Qualification

	
Numeric – Decimal

	
9000

	
9(9).99

	
Always

	
>= 0

	  	  
	
106

	
4506-T Indicator

	
A yes/no indicator of whether a Transcript of Tax Return (received pursuant to the filing of IRS Form 4506-T) was obtained and considered.

	
Borrower Qualification

	
Numeric – Integer

	
1

	
99

	
Always

	
See Coding

	
0 = No

1 = Yes

99 = Unknown

	  
	
107

	
Borrower Income Verification Level

	
A code indicating the extent to which the borrower’s income has been verified:

Level 4 Income Verification = [W-2 (Prev. Yr.) OR TAX RETURNS* (Prev. Yr.)] AND PAY STUBS (YTD (at least one month)–if salaried)

Level 5 Income Verification = 24 months income verification (W-2s, pay stubs, bank statements and/or tax returns**)

*For self-employed borrowers:  Level 4 Income Verification:

• 2 Years Tax Returns

• Self-prepared tax returns (regardless of 4506 and tax transcripts)

 

** For self-employed borrowers: Level 5 Income Verification:

• 2 Years tax returns

• Tax returns prepared and not executed by a CPA, with

          o CPA name & phone number shown on the Preparer section of the tax return

          o Executed 4506 and tax transcripts (matching returns in file)

• Tax returns prepared and executed by a CPA  (regardless of 4506 and tax transcripts)

	
Borrower Qualification

	
Numeric – Integer

	
1

	
9

	
Always

	
See Coding

	
1 = Not Stated, Not Verified

2 = Stated, Not Verified

3 = Stated, “Partially” Verified

4 = Stated, “Level 4” Verified  (as defined)

5 = Stated, “Level 5” Verified  (as defined)

 

	  
	
108

	
Co-Borrower Income Verification

	
A code indicating the extent to which the co-borrower’s income has been verified:

 

Level 4 Income Verification = [W-2 (Prev. Yr.) OR TAX RETURNS* (Prev. Yr.)] AND PAY STUBS (YTD (at least one month)–if salaried)

 

Level 5 Income Verification = 24 months income verification (W-2s, pay stubs, bank statements and/or tax returns**)

*For self-employed borrowers:  Level 4 Income Verification:

• 2 Years Tax Returns

• Self-prepared tax returns (regardless of 4506 and tax transcripts)

 

** For self-employed borrowers: Level 5 Income Verification:

• 2 Years tax returns

• Tax returns prepared and not executed by a CPA, with

          o CPA name & phone number shown on the Preparer section of the tax return

          o Executed 4506 and tax transcripts (matching returns in file)

• Tax returns prepared and executed by a CPA  (regardless of 4506 and tax transcripts)

	
Borrower Qualification

	
Numeric – Integer

	
2

	
9

	
If “Total Number of Borrowers” > 1

	
See Coding

	
1 = Not Stated, Not Verified

2 = Stated, Not Verified

3 = Stated, “Partially” Verified

4 = Stated, “Level 4” Verified  (as defined)

5 = Stated, “Level 5” Verified  (as defined)

 

	  
	
109

	
Borrower Employment Verification

	
A code indicating the extent to which the primary borrower’s employment has been verified:

 

Level 3 Verified = Direct Independent Verification with a third party of the borrower’s current employment.

	
Borrower Qualification

	
Numeric – Integer

	
2

	
9

	
Always

	
See Coding

	
1 = Not Stated, Not Verified

2 = Stated, Not Verified

3 = Stated, Level 3 Verified (as defined)

	  
	
110

	
Co-Borrower Employment Verification

	
A code indicating the extent to which the co-borrower’s employment has been verified:

 

Level 3 Verified = Direct Independent Verification with a third party of the co-borrower’s current employment.

	
Borrower Qualification

	
Numeric – Integer

	
1

	
9

	
If “Total Number of Borrowers” > 1

	
See Coding

	
1 = Not Stated, Not Verified

2 = Stated, Not Verified

3 = Stated, Level 3 Verified (as defined)

	  
	
111

	
Borrower Asset Verification

	
A code indicating the extent to which the primary borrower’s assets used to qualify the loan have been verified:

 

Level 4 Verified = 2 months of bank statements/balance documentation (written or electronic) for liquid assets (or gift letter).

 

	
Borrower Qualification

	
Numeric – Integer

	
3

	
9

	
Always

	
See Coding

	
1 = Not Stated, Not Verified

2 = Stated, Not Verified

3 = Stated, “Partially” Verified

4 = Stated, Level 4 Verified  (as defined)

	  
	
112

	
Co-Borrower Asset Verification

	
A code indicating the extent to which the co-borrower’s assets used to qualify the loan have been verified:

 

Level 4 = 2 months of bank statements/balance documentation (written or electronic) for liquid assets (or gift letter).

 

	
Borrower Qualification

	
Numeric – Integer

	
2

	
9

	
If “Total Number of Borrowers” > 1

	
See Coding

	
1 = Not Stated, Not Verified

2 = Stated, Not Verified

3 = Stated, “Partially” Verified

4 = Stated, Level 4 Verified  (as defined)

	  
	
113

	
Liquid / Cash Reserves

	
The actual dollar amount of remaining verified liquid assets after settlement. (This should not include cash out amount of subject loan.)

	
Borrower Qualification

	
Numeric – Decimal

	
3242.76

	
9(9).99

	
Always

	
>= 0

	  	  
	
114

	
Monthly Debt All Borrowers

	
The aggregate monthly payment due on other debt (excluding only installment loans with fewer than 10 payments remaining and other real estate loans used to compute net rental income— which is added/subtracted in the income fields).

	
Borrower Qualification

	
Numeric – Decimal

	
3472.43

	
9(9).99

	
Always

	
>= 0

	  	  
	
115

	
Originator DTI

	
Total Debt to income ratio used by the originator to qualify the loan.

	
Borrower Qualification

	
Numeric – Decimal

	
0.35

	
9.999999

	
Always

	
>= 0 and >= 1

	  	  
	
116

	
Fully Indexed Rate

	
The fully indexed interest rate as of securitization cut-off.

	
Borrower Qualification

	
Numeric – Decimal

	
0.0975

	
9.999999

	
ARMs Only

	
>= 0 and >= 1

	  	  
	
117

	
Qualification Method

	
Type of mortgage payment used to qualify the borrower for the loan.

	
Borrower Qualification

	
Numeric – Integer

	
3

	
99

	
Always

	
See Coding

	
1 = Start Rate

2 = First Year Cap Rate

3 = I/O Amount

4 = Fully Indexed

5 = Min Payment

98 = Other

99 = Unknown

	  
	
118

	
Percentage of Down Payment from Borrower Own Funds

	
Include only borrower funds, do not include any gift or borrowed funds. (Issuers may provide the actual percentage for each loan, or the guideline percentage and note departure concentration on the transaction summary.)

	
Borrower Qualification

	
Numeric – Decimal

	
0.5

	
9.999999

	
Purchase Loans Only

	
>= 0 and >= 1

	  	  
	
119

	
City

	
The name of the city.

	
Subject Property

	
Text

	
New York

	
X(45)

	
Always

	
Unk=Unknown

	  	  
	
120

	
State

	
The name of the state as a 2-digit Abbreviation.

	
Subject Property

	
Text

	
NY

	
XX

	
Always

	
See Coding

	
See Appendix H

	  
	
121

	
Postal Code

	
The postal code (zip code in the US) where the subject property is located.

	
Subject Property

	
Text

	
10022

	
X(5)

	
Always

	
Unk=Unknown

	  	  
	
122

	
Property Type

	
Specifies the type of property being used to secure the loan.

	
Subject Property

	
Numeric – Integer

	
11

	
99

	
Always

	
See Coding

	
See Appendix D

	  
	
123

	
Occupancy

	
Specifies the property occupancy status (e.g., owner-occupied, investment property, second home, etc.).

	
Subject Property

	
Numeric – Integer

	
4

	
9

	
Always

	
See Coding

	
See Appendix E

	  
	
124

	
Sales Price

	
The negotiated price of a given property between the buyer and seller.

	
Subject Property

	
Numeric – Decimal

	
450000.23

	
9(10).99

	
Purchase Loans Only

	
> 0

	  	  
	
125

	
Original Appraised Property Value

	
The appraised value of the property used to approve the loan.

	
Subject Property

	
Numeric – Decimal

	
550000.23

	
9(10).99

	
Always

	
> 0

	  	  
	
126

	
Original Property Valuation Type

	
Specifies the method by which the property value (at the time of underwriting) was reported.

	
Subject Property

	
Numeric – Integer

	
8

	
99

	
Always

	
See Coding

	
See Appendix F

	  
	
127

	
Original Property Valuation Date

	
Specifies the date on which the original property value (at the time of underwriting) was reported. (Issuers unable to provide may Rep and Warrant that the appraisal used for underwriting was not more than x days old at time of loan closing.)

	
Subject Property

	
Date

	
20090914

	
YYYYMMDD

	
Always

	
“19010101” if unknown

	  	  
	
128

	
Original Automated Valuation Model (AVM) Model Name

	
The name of the AVM Vendor if an AVM was used to determine the original property valuation.

	
Subject Property

	
Numeric – Integer

	
1

	
99

	
Always

	
See Appendix I

	
See Appendix I

	  
	
129

	
Original AVM Confidence Score

	
The confidence range presented on the AVM report.

	
Subject Property

	
Numeric – Decimal

	
0.74

	
9.999999

	
If AVM Model Name (Field 127) > 0

	
>= 0 to <= 1

	  	  
	
130

	
Most Recent Property Value[1]

	
If a valuation was obtained subsequent to the valuation used to calculate LTV, the most recent property value.

	
Subject Property

	
Numeric – Decimal

	
500000

	
9(10).99

	
If updated value was obtained subsequent to loan approval

	
> 0

	  	  
	
131

	
Most Recent Property Valuation Type

	
If an additional property valuation was obtained after the valuation used for underwriting purposes, the method by which the property value was reported.

	
Subject Property

	
Numeric – Integer

	
6

	
9

	
If updated value was obtained subsequent to loan approval

	
See Coding

	
See Appendix F

	  
	
132

	
Most Recent Property Valuation Date

	
Specifies the date on which the updated property value was reported.

	
Subject Property

	
Date

	
20090914

	
YYYYMMDD

	
If updated value was obtained subsequent to loan approval

	
“19010101” if unknown

	  	  
	
133

	
Most Recent AVM Model Name

	
The name of the AVM Vendor if an AVM was used to determine the updated property valuation.

	
Subject Property

	
Numeric – Integer

	
19

	
99

	
If updated value was obtained subsequent to loan approval

	
See Coding

	
See Appendix I

	  
	
134

	
Most Recent AVM Confidence Score

	
If AVM used to determine the updated property valuation, the confidence range presented on the AVM report.

	
Subject Property

	
Numeric – Decimal

	
0.85

	
9.999999

	
If “Most Recent AVM Model Name” > 0

	
>= 0 to <= 1

	  	  
	
135

	
Original CLTV

	
The ratio obtained by dividing the amount of all known outstanding mortgage liens on a property at origination by the lesser of the appraised value or the sales price.

	
Loan-to-Value (LTV)

	
Numeric – Decimal

	
0.96

	
9.999999

	
Always

	
>= 0 and <= 1.5

	  	  
	
136

	
Original LTV

	
The ratio obtained by dividing the original mortgage loan amount on the note date by the lesser of the mortgaged property’s appraised value on the note date or its purchase price.

	
Loan-to-Value (LTV)

	
Numeric – Decimal

	
0.8

	
9.999999

	
Always

	
>= 0 and <= 1.25

	  	  
	
137

	
Original Pledged Assets

	
The total value of assets pledged as collateral for the loan at the time of origination. Pledged assets may include cash or marketable securities.

	
Loan-to-Value (LTV)

	
Numeric – Decimal

	
75000

	
9(10).99

	
Always

	
>=0

	  	  
	
138

	
Mortgage Insurance Company Name

	
The name of the entity providing mortgage insurance for a loan.

	
Mortgage Insurance

	
Numeric – Integer

	
3

	
99

	
Always

	
See Coding

	
See Appendix G

	  
	
139

	
Mortgage Insurance Percent

	
Mortgage Insurance coverage percentage.

	
Mortgage Insurance

	
Numeric – Decimal

	
0.25

	
9.999999

	
“Mortgage Insurance Company Name” > 0

	
>= 0 to <= 1

	  	  
	
140

	
MI: Lender or Borrower Paid?

	
An indicator of whether mortgage insurance is paid by the borrower or the lender.

	
Mortgage Insurance

	
Numeric – Integer

	
1

	
99

	
“Mortgage Insurance Company Name” > 0

	
See Coding

	
1 = Borrower-Paid

2 = Lender- Paid

99 = Unknown

	  
	
141

	
Pool Insurance Co. Name

	
Name of pool insurance provider.

	
Mortgage Insurance

	
Numeric – Integer

	
8

	
99

	
Always

	
See Coding

	
See Appendix G

	  
	
142

	
Pool Insurance Stop Loss %

	
The aggregate amount that a pool insurer will pay, calculated as a percentage of the pool balance.

	
Mortgage Insurance

	
Numeric – Decimal

	
0.25

	
9.999999

	
Pool MI Company > 0

	
>= 0 to <= 1

	  	  
	
143

	
MI Certificate Number

	
The unique number assigned to each individual loan insured under an MI policy.

	
Mortgage Insurance

	
Text

	
123456789G

	
X(20)

	
MI Company

> 0

	
UNK = Unknown

	  	  
	
144

	
Updated DTI

(Front-end)

	
Updated front-end DTI ratio (total monthly housing expense divided by total monthly income) used to qualify the loan modification.

	
Loan Modifications (Pertains only to loans modified for loss mitigation purposes)

	
Numeric – Decimal

	
0.35

	
9.999999

	
Modified Loans Only

	
>= 0 and >= 1

	  	  
	
145

	
Updated DTI

(Back-end)

	
Updated back-end DTI ratio (total monthly debt expense divided by total monthly income) used to qualify the loan modification.

	
Loan Modifications (Pertains only to loans modified for loss mitigation purposes)

	
Numeric – Decimal

	
0.35

	
9.999999

	
Modified Loans Only

	
>= 0 and >= 1

	  	  
	
146

	
Modification Effective Payment Date

	
Date of first payment due post modification.

	
Loan Modifications (Pertains only to loans modified for loss mitigation purposes)

	
Date

	
20090914

	
YYYYMMDD

	
Modified Loans Only

	
“19010101” if unknown

	  	  
	
147

	
Total Capitalized Amount

	
Amount added to the principal balance of a loan due to the modification.

	
Loan Modifications (Pertains only to loans modified for loss mitigation purposes)

	
Numeric – Decimal

	
12000

	
9(10).99

	
Modified Loans Only

	
>= 0

	  	  
	
148

	
Total Deferred Amount

	
Any non-interest-bearing deferred amount (e.g., principal, interest and fees).

	
Loan Modifications (Pertains only to loans modified for loss mitigation purposes)

	
Numeric – Decimal

	
12000

	
9(10).99

	
Modified Loans Only

	
>= 0

	  	  
	
149

	
Pre-Modification Interest (Note) Rate

	
Scheduled Interest Rate Of The Loan Immediately Preceding The Modification Effective Payment Date.

	
Loan Modifications (Pertains only to loans modified for loss mitigation purposes)

	
Numeric – Decimal

	
0.075

	
9.999999

	
Modified Loans Only

	
>= 0 to <= 1

	  	  
	
150

	
Pre-Modification P&I Payment

	
Scheduled Total Principal And Interest Payment Amount Preceding The Modification Effective Payment Date – or if servicer is no longer advancing P&I, the payment that would be in effect if the loan were current.

	
Loan Modifications (Pertains only to loans modified for loss mitigation purposes)

	
Numeric – Decimal

	
2310.57

	
9(10).99

	
Modified Loans Only

	
> 0

	  	  
	
151

	
Pre-Modification Initial Interest Rate Change Downward Cap

	
Maximum amount the rate can adjust downward on the first interest rate adjustment date (prior to modification) – Only provide if the rate floor is modified.

	
Loan Modifications (Pertains only to loans modified for loss mitigation purposes)

	
Numeric – Decimal

	
0.015

	
9.999999

	
Modified Loans Only

	
>= 0 to <= 1

	  	  
	
152

	
Pre-Modification Subsequent Interest Rate Cap

	
Maximum increment the rate can adjust upward AFTER the initial rate adjustment (prior to modification) – Only provide if the Cap is modified.

	
Loan Modifications (Pertains only to loans modified for loss mitigation purposes)

	
Numeric – Decimal

	
0.015

	
9.999999

	
Modified Loans Only

	
>= 0 to <= 1

	  	  
	
153

	
Pre-Modification Next Interest Rate Change Date

	
Next Interest Reset Date Under The Original Terms Of The Loan (one month prior to new payment due date).

	
Loan Modifications (Pertains only to loans modified for loss mitigation purposes)

	
Date

	
20090914

	
YYYYMMDD

	
Modified Loans Only

	
“19010101” if unknown

	  	  
	
154

	
Pre-Modification I/O Term

	
Interest Only Term (in months) preceding The Modification Effective Payment Date.

	
Loan Modifications (Pertains only to loans modified for loss mitigation purposes)

	
Numeric – Integer

	
36

	
999

	
Modified Loans Only

	
>= 0 to <= 120

	  	  
	
155

	
Forgiven Principal Amount

	
The sum total of all principal balance reductions (as a result of loan modification) over the life of the loan.

	
Loan Modifications (Pertains only to loans modified for loss mitigation purposes)

	
Numeric – Decimal

	
12000

	
9(10).99

	
Modified Loans Only

	
>= 0

	  	  
	
156

	
Forgiven Interest Amount

	
The sum total of all interest incurred and forgiven (as a result of loan modification) over the life of the loan.

	
Loan Modifications (Pertains only to loans modified for loss mitigation purposes)

	
Numeric – Decimal

	
12000

	
9(10).99

	
Modified Loans Only

	
>= 0

	  	  
	
157

	
Number of Modifications

	
The number of times the loan has been modified.

	
Loan Modifications (Pertains only to loans modified for loss mitigation purposes)

	
Numeric – Integer

	
1

	
9

	
Modified Loans Only

	
>= 0

	  	  
	
MH-1

	
Real Estate Interest

	
Indicates whether the property on which the manufactured home is situated is owned outright or subject to the terms of a short- or long-term lease. (A long-term lease is defined as a lease whose term is greater than or equal to the loan term.)

	
Manufactured Housing

	
Numeric – Integer

	
2

	
99

	
Manufactured Housing Loans Only

	
See Coding

	
1 = Owned

2 = Short-term lease

3 = Long-term lease

99 = Unavailable

	  
	
MH-2

	
Community Ownership Structure

	
If the manufactured home is situated in a community, a means of classifying ownership of the community.

	
Manufactured Housing

	
Numeric – Integer

	
2

	
99

	
Manufactured Housing Loans Only

	
See Coding

	
1 = Public Institutional

2 = Public Non-Institutional

3 = Private Institutional

4 = Private Non-Institutional

5 = HOA-Owned

6 = Non-Community

99 = Unavailable

	  
	
MH-3

	
Year of Manufacture

	
The year in which the home was manufactured (Model Year — YYYY Format). Required only in cases where a full appraisal is not provided.

	
Manufactured Housing

	
Numeric – Integer

	
2006

	
YYYY

	
Manufactured Housing Loans Only

	
1901 = Unavailable

	  	  
	
MH-4

	
HUD Code Compliance  Indicator (Y/N)

	
Indicates whether the home was constructed in accordance with the 1976 HUD code. In general, homes manufactured after 1976 comply with this code.

	
Manufactured Housing

	
Numeric – Integer

	
1

	
9

	
Manufactured Housing Loans Only

	
See Codes

	
0 = No

1 = Yes

99 = Unavailable

	  
	
MH-5

	
Gross Manufacturer’s Invoice Price

	
The total amount that appears on the manufacturer’s invoice (typically includes intangible costs such as transportation, association, on-site setup, service and warranty costs, taxes, dealer incentives, and other fees).

	
Manufactured Housing

	
Numeric – Decimal

	
72570.62

	
9(10).99

	
Manufactured Housing Loans Only

	
>= 0

	  	  
	
MH-6

	
LTI (Loan-to-Invoice) Gross

	
The ratio of the loan amount divided by the Gross Manufacturer’s Invoice Price (Field MH-5).

	
Manufactured Housing

	
Numeric – Decimal

	
0.75

	
9.999999

	
Manufactured Housing Loans Only

	
>= 0 to <= 1

	  	  
	
MH-7

	
Net Manufacturer’s Invoice Price

	
The Gross Manufacturer’s Invoice Price (Field MH-5) minus intangible costs, including: transportation, association, on-site setup, service, and warranty costs, taxes, dealer incentives, and other fees.

	
Manufactured Housing

	
Numeric – Decimal

	
61570.62

	
9(10).99

	
Manufactured Housing Loans Only

	
>= 0

	  	  
	
MH-8

	
LTI (Net)

	
The ratio of the loan amount divided by the Net Manufacturer’s Invoice Price (Field MH-7).

	
Manufactured Housing

	
Numeric – Decimal

	
0.62

	
9.999999

	
Manufactured Housing Loans Only

	
>= 0 to <= 1

	  	  
	
MH-9

	
Manufacturer Name

	
The manufacturer of the subject property. (To be applied only in cases where no appraised value/other type of property valuation is available.)

	
Manufactured Housing

	
Text

	
“XYZ Corp”

	
Char (100)

	
Manufactured Housing Loans Only (where no appraised value is provided)

	
MH Manufacturer name in double quotation marks

	  	  
	
MH-10

	
Model Name

	
The model name of the subject property. (To be applied only in cases where no appraised value/other type of property valuation is available.)

	
Manufactured Housing

	
Text

	
“DX5-916-X”

	
Char (100)

	
Manufactured Housing Loans Only (where no appraised value is provided)

	
MH Model name in double quotation marks

	  	  
	
MH-11

	
Down Payment Source

	
An indicator of the source of the down payment used by the borrower to acquire the property and qualify for the mortgage.

	
Manufactured Housing

	
Numeric – Integer

	
2

	
99

	
Manufactured Housing Loans Only

	
See Codes

	
1 = Cash

2 = Proceeds from trade in

3 = Land in Lieu

4 = Other

99 = Unavailable

	  
	
MH-12

	
Community/Related Party Lender (Y/N)

	
An indicator of whether the loan was made by the community owner, an affiliate of the community owner or the owner of the real estate upon which the collateral is located.

	
Manufactured Housing

	
Numeric – Integer

	
1

	
99

	
Manufactured Housing Loans Only

	
See Codes

	
0 = No

1 = Yes

99 = Unavailable

	  
	
MH-13

	
Defined Underwriting Criteria (Y/N)

	
An indicator of whether the loan was made in accordance with a defined and/or standardized set of underwriting criteria.

	
Manufactured Housing

	
Numeric – Integer

	
1

	
99

	
Manufactured Housing Loans Only

	
See Codes

	
0 = No

1 = Yes

99 = Unavailable

	  
	
MH-14

	
Chattel Indicator

	
An Indicator of whether the secured property is classified as chattel or Real Estate.

	
Manufactured Housing

	
Numeric – Integer

	
1

	
99

	
Manufactured Housing Loans Only

	
See Codes

	
0 = Real Estate

1 = Chattel

99 = Unavailable

	  

    	 

    	 

    

 

APPENDIX A

 

MODIFICATIONS TO THE
FLOW SERVICING AGREEMENT

  

1.The definition
of “Assumed Principal Balance” in Section 1 is revised to read in its entirety as follows:

 

“Assumed
Principal Balance: As to each Mortgage Loan as of any date of determination, (i) the principal balance of the Mortgage
Loan outstanding as of the Cut-off Date after application of payments due on or before the Cut-off Date, whether or not received,
minus (ii) all amounts previously distributed to the Owner with respect to the Mortgage Loan pursuant to Subsection 11.15 and representing
(a) payments or other recoveries of principal or (b) advances of scheduled principal payments made pursuant to Subsection 11.17.”

 

2. The
definition of “Business Day” in Section 1 is revised to read in its entirety as follows:

 

“Business Day: Any
day other than (i) a Saturday or a Sunday, or (ii) a legal holiday in the State of New York, the State of New Jersey, the State
of California, or the State of Maryland or the State of Minnesota, or (iii) a day on which banks in the State of New York, the
State of New Jersey, the State of California, or the State of Maryland or the State of Minnesota are authorized or obligated by
law or executive order to be closed.”

 

3. The
definition of “Closing Date” in Section 1 is revised to read in its entirety as follows:

 

“Closing
Date: March 29, 2012, except with respect to Section 3 and the Servicer Acknowledgement(s).”

 

4. The
definition of “Cut-off Date” in Section 1 is revised to read in its entirety as follows:

 

“Cut-off
Date: March 1, 2012, except with respect to the Servicer Acknowledgement(s).”

 

5. The
definition of “First Remittance Date” in Section 1 is revised to read in its entirety as follows:

 

    	A-1

    	 

    

 

			“First Remittance Date: April 25, 2012.”

 

6. A new definition
of “Servicing Administrator” is hereby added to Section 1, to be inserted alphabetically and to read in its entirety
as follows:

 

“Servicing
Administrator: Redwood Residential Acquisition Corporation or its successor in interest.”

 

7.
Owner Representation Correction

 

			In the first sentence of Subsection 7.02(a), the phrase “federal savings bank” is replaced
by the phrase “Delaware corporation” and the term “United States” is replaced by the term “Delaware”.

 

8.
Loan Modifications and Environmental Issues

 

(a)Subsection
11.01, fifth paragraph is revised to read in its entirety as follows:

 

“Consistent
with the terms of this Agreement, and subject to the REMIC Provisions if the Mortgage Loans have been transferred to a REMIC, the
Servicer may waive, modify or vary any term of any Mortgage Loan or consent to the postponement of strict compliance with any such
term or in any manner grant indulgence to any Mortgagor; provided, however, that (unless the Mortgagor is in default with
respect to the Mortgage Loan, or such default is, in the judgment of the Servicer, imminent, and the modification is in accordance
with the previously agreed-upon customary procedures of the Servicer, which may change from time to time, or industry-accepted
programs, and the Servicer has previously notified the Owner of such modification) the Servicer shall not enter into any payment
plan or agreement to modify payments with a Mortgagor lasting more than twelve (12) months or permit any modification with respect
to any Mortgage Loan that would change the Mortgage Interest Rate, the Lifetime Rate Cap (if applicable), the Initial Rate
Cap (if applicable), the Periodic Rate Cap (if applicable) or the Gross Margin (if applicable), agree
to the capitalization of arrearages, including interest, fees or expenses owed under the Mortgage Loan, make any future advances
or extend the final maturity date with respect to such Mortgage Loan, or accept substitute or additional collateral or release
any collateral for such Mortgage Loan. Additionally, the Servicer shall not accept any deed-in-lieu of, short pay-off, or sell
any property, in which the sale proceeds are less than the unpaid principal balance of the related Mortgage Loan without previously
notifying the Owner and providing the Owner with justification for such action. Further, unless the related Mortgage Loan is in
default or such

 

    	A-2

    	 

    

 

default
is, in the judgment of the Servicer, imminent, the Servicer shall not defer or forgive the payment of any principal or interest
or change the outstanding principal amount (except to reflect actual payments of principal) without previously notifying the Owner
and providing the Owner with justification for such action. Any capitalization of arrearages of interest, fees and expenses in
excess of 10% of the outstanding unpaid principal balance of the related Mortgage Loan immediately prior to the capitalization
shall be made only after the Servicer has notified the Owner and provided the Owner with justification for the capitalization.
Without limiting the generality of the foregoing, the Servicer in its own name or acting through subservicers or agents is hereby
authorized and empowered by the Owner when the Servicer believes it appropriate and reasonable in its best judgment, to execute
and deliver, on behalf of itself or the Owner, all instruments of satisfaction or cancellation, or of partial or full release
and 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 Owner pursuant to the provisions of Subsection 11.13. Notwithstanding
anything to the contrary in the this Agreement, the Servicer shall not make or permit any modification, waiver or amendment of
any term of a Mortgage Loan that could cause any REMIC holding such Mortgage Loan to fail to qualify as a REMIC or result in the
imposition of any tax under Section 860F(a) or 860G(d) of the Code on any REMIC holding such Mortgage Loan.”

 

(b)Subsection
11.01, eighth paragraph is revised to read in its entirety as follows:

 

Notwithstanding
anything to the contrary contained herein, in connection with a foreclosure or acceptance of a deed in lieu of foreclosure, in
the event the Servicer believes that a Mortgaged Property is contaminated by hazardous or toxic substances or wastes, or if the
Owner otherwise requests an environmental inspection or review of such Mortgaged Property, such an inspection or review is to be
conducted by a qualified inspector at the Owner’s expense. Upon completion of the inspection, the Servicer shall promptly
provide the Owner with a written report of the environmental inspection. In the event (i) the environmental inspection report indicates
that the Mortgaged Property is contaminated by hazardous or toxic substances or wastes and (ii) the Owner provides written
approval for the Servicer to proceed with foreclosure or acceptance of a deed in lieu of foreclosure, 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 fully to
reimburse the Servicer, the Servicer shall be entitled to

 

    	A-3

    	 

    

 

be
reimbursed from amounts in the Custodial Account pursuant to Subsection 11.05 hereof. In the event the Owner directs the Servicer
not to proceed with foreclosure or acceptance of a deed in lieu of foreclosure, the Servicer shall be reimbursed for all Servicing
Advances made with respect to the related Mortgaged Property from the Custodial Account pursuant to Subsection 11.05 hereof.

 

9.
Subsection 11.04, first sentence of the first paragraph is revised to read in its entirety as follows:

  

“The
Servicer shall segregate and hold all funds collected and received pursuant to each Mortgage Loan separate and apart from any of
its own funds and general assets and shall establish and maintain one or more Custodial Accounts (collectively, the “Custodial
Account”), titled “U.S. Bank National Association, in trust for the holders of Sequoia Mortgage Trust 2012-2 Mortgage
Pass-Through Certificates.”

 

10.
Subsection 11.04, subclause (f) of the second paragraph is revised to read in its entirety as follows:

 

“(f)any amount
required to be deposited in the Custodial Account pursuant to Subsections 11.15, 11.17, 11.19 and 11.25.”

 

11.
Notwithstanding anything to the contrary in the Flow Servicing Agreement, any Custodial Accounts established by the Servicer
pursuant to Subsection 11.04 of the Flow Servicing Agreement shall qualify as Eligible Accounts as defined in the Pooling and
Servicing Agreement.

 

12.
Paragraphs (b), (c), (d) and (f) of Subsection 11.05 are revised to read in their entirety as follows:

 

(b)to
reimburse the Servicing Administrator for P&I Advances, the Servicing Administrator’s right to reimbursement pursuant
to this subclause (b) with respect to any Mortgage Loan being limited to related Liquidation Proceeds, Condemnation Proceeds,
Insurance Proceeds and such other amounts as may be collected by the Servicer from the related Mortgagor or otherwise relating
to the Mortgage Loan, it being understood that, in the case of any such reimbursement, the Servicing Administrator’s right
thereto shall be prior to the rights of the Owner with respect to such Mortgage Loan;

 

(c)to
reimburse itself or the Servicing Administrator for any unpaid portion of any Servicing Fees and for unreimbursed Servicing Advances
made by

 

    	A-4

    	 

    

 

the Servicer or the Servicing Administrator, the Servicer’s right to reimburse itself or the Servicing Administrator
pursuant to this subclause (c) with respect to any Mortgage Loan being limited to related Liquidation Proceeds, Condemnation Proceeds,
Insurance Proceeds and such other amounts as may be collected by the Servicer from the related Mortgagor or otherwise relating
to the Mortgage Loan, it being understood that, in the case of any such reimbursement, the rights of the Servicer and Servicing
Administrator thereto shall be prior to the rights of the Owner unless the Servicing Administrator is required to pay the Prepayment
Interest Shortfall pursuant to Subsection 11.15, in which case the Servicing Administrator’s right to such reimbursement
shall be subsequent to the payment to the Owner of such shortfall;

 

(d)to
reimburse itself or the Servicing Administrator for unreimbursed Servicing Advances, to the extent that such amounts are nonrecoverable
(as certified by the Servicer or the Servicing Administrator, as applicable, to the Owner in an Officer’s Certificate) by
the Servicer or the Servicing Administrator, as applicable, pursuant to subclause (c) above;

 

. . .

 

(f)to
reimburse the Servicing Administrator for unreimbursed P&I Advances, to the extent that such amounts are nonrecoverable (as
certified by the Servicing Administrator to the Owner in an Officer’s Certificate) by the Servicing Administrator pursuant
to subclause (b) above;

 

13. Amendments to
Subsection 11.13

 

(a)Subsection 11.13 is revised
by deleting the first sentence and replacing it in its entirety with the following:

 

“Subject to Subsection
11.02, in the event that title to the Mortgaged Property is acquired in foreclosure or by deed in lieu of foreclosure, the deed
or certificate of sale shall be taken in the name of the trust created by the Pooling and Servicing Agreement, where permitted
by applicable law or regulation and consistent with Customary Servicing Procedures, and otherwise, in the name of the trustee of
the Trust or its nominee.”

 

(b)Subsection 11.13 is further revised
to add the following paragraphs at the end of the section:

 

“The
REO Property must be sold within three years following the end of the calendar year of the date of acquisition if a REMIC election
has been made with respect to the arrangement under which the Mortgage Loans and REO Property are held, unless (i) the Owner shall
have been supplied with an Opinion of Counsel (at the expense of the Servicing Administrator) to the effect that the holding by
the related trust of such Mortgaged Property subsequent to such three-year period (and specifying the period

 

    	A-5

    	 

    

 

beyond such three-year
period for which the Mortgaged Property may be held) will not result in the imposition of taxes on “prohibited transactions”
of the related trust as defined in Section 860F of the Code, or cause the related REMIC to fail to qualify as a REMIC, in which
case the related trust may continue to hold such Mortgaged Property (subject to any conditions contained in such Opinion of Counsel),
or (ii) the Owner (at the Servicer’s expense) or the 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 period. If a period longer than three years is permitted under the foregoing sentence
and is necessary to sell any REO Property, the Servicer shall report monthly to the Owner as to progress being made in selling
such REO Property.

 

Notwithstanding
any other provision of this Agreement, if a REMIC election has been made, no Mortgaged Property held by a REMIC shall be rented
(or allowed to continue to be rented) or otherwise used for the production of income by or on behalf of the related trust or sold
in such a manner or pursuant to any terms that would (i) cause such Mortgaged Property to fail to qualify at any time as “foreclosure
property” within the meaning of Section 860G(a)(8) of the Code, (ii) subject the related trust to the imposition of any federal
or state income taxes on “net income from foreclosure property” with respect to such Mortgaged Property within the
meaning of Section 860G(c) of the Code, or (iii) cause the sale of such Mortgaged Property to result in the receipt by the related
trust of any income from non-permitted assets as described in Section 860F(a) (2)(B) of the Code, unless the Servicer has agreed
to indemnify and hold harmless the related trust with respect to the imposition of any such taxes.”

 

14. Servicer Reports. The
Servicer shall provide monthly reports to the Purchaser pursuant to Subsection 11.16 in the formats attached hereto as
Exhibits 4 and 5, or in such other format as the Servicer, the Purchaser and the Depositor shall agree in writing.

 

15. Subsection 11.17 is
revised to read in its entirety as follows:

 

“Subsection 11.17Advances
by the Servicer or Servicing Administrator.

 

No later
than two Business Days immediately preceding each related Remittance Date, the Servicer shall either (a) deposit in the Custodial
Account from funds provided by the Servicing Administrator pursuant to Subsection 11.25 an amount equal to the aggregate amount
of all Monthly Payments (with interest adjusted to the Mortgage Loan Remittance Rate) which were due on the Mortgage Loans during
the applicable Due Period and which were delinquent at the close of business on the immediately preceding Determination Date, (b) cause
to be made an appropriate entry in the records of the Custodial Account that amounts held for future distribution have been, as
permitted by this Subsection 11.17, used by the Servicer in discharge of any such P&I Advance or (c) make P&I
Advances in the form of any combination of (a) or (b) aggregating the total amount of

 

    	A-6

    	 

    

 

advances to be made, subject to Subsection
11.25. Any amounts held for future distribution and so used shall be replaced by the Servicing Administrator by deposit in the
Custodial Account on or before any future Remittance Date if funds in the Custodial Account on such Remittance Date shall be less
than payments to the Owner required to be made on such Remittance Date. The Servicing Administrator’s obligation to make
P&I Advances as to any Mortgage Loan will continue through the last Monthly Payment due prior to the payment in full of a Mortgage
Loan, or through the last related Remittance Date prior to the Remittance Date for the distribution of all other payments or recoveries
(including proceeds under any title, hazard or other insurance policy, or condemnation awards) with respect to a Mortgage Loan;
provided, however, that such obligation shall cease if the Servicing Administrator, in its good faith judgment, determines
that such P&I Advances would not be recoverable pursuant to Subsection 11.05(b). The determination by the Servicing Administrator
that a P&I Advance, if made, would be nonrecoverable, shall be evidenced by an Officer’s Certificate of the Servicing
Administrator delivered to the Owner, which details the reasons for such determination. Neither the Servicing Administrator nor
the Servicer shall have any obligation to advance amounts in respect of shortfalls relating to the Servicemembers Civil Relief
Act and similar state and local laws.

 

16. The
first sentence of Subsection 11.18 is revised to read in its entirety as follows:

 

“The Servicer will use its
best efforts to enforce any “due-on-sale” provision contained in any Mortgage or Mortgage Note; provided that, subject
to the Owner’s prior approval for the release of liability from the original borrower, the Servicer shall permit such assumption
if so required in accordance with the terms of the Mortgage or the Mortgage Note.”

 

17. The
Flow Servicing Agreement is modified by adding a new Subsection 11.26 which reads in its entirety as follows:

 

“Subsection 11.26 Compliance
with REMIC Provisions.

 

If a REMIC
election has been made with respect to the arrangement under which the Mortgage Loans and REO Property are held, the Servicer shall
not take any action, cause the REMIC 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 the REMIC as a REMIC or (ii) result
in the imposition of a tax upon the REMIC (including but not limited to the tax on “prohibited transactions” as defined
in Section 860F(a)(2) of the Code and the tax on “contribution” to a REMIC set forth in Section 860G(d) of the Code
unless the Servicer has received an Opinion of Counsel (at the expense of the party seeking to take such actions) to the effect
that the

 

    	A-7

    	 

    

 

contemplated action will not endanger such REMIC status or result in the imposition of any such tax.”

 

18. The first sentence of
Subsection 12.01(b) is revised to read in its entirety as follows:

 

The Servicer
shall promptly notify the Owner if a claim is made by a third party with respect to this Agreement or the Mortgage Loans, and the
Servicer shall assume the defense of any such claim and pay all expenses in connection therewith, including counsel fees.

 

19. Subsection 12.04 is
revised to read in its entirety as follows:

 

“Subsection 12.04Servicer
Not to Resign.

 

The Servicer
shall not assign this Agreement or resign from the obligations and duties hereby imposed on it except by mutual consent of the
Servicer and the Owner or upon the determination that the Servicer’s duties hereunder are no longer permissible under applicable
law and such incapacity cannot be cured by the Servicer. No such resignation of or assignment by the Servicer shall become effective
until a successor has assumed the Servicer’s responsibilities and obligations hereunder in accordance with Subsection 14.02.”

 

    	A-8

    	 

    

 

EXHIBIT 4

 

FORM OF MONTHLY LOSS REPORT

 

Exhibit
: Calculation of Realized Loss/Gain Form 332–Instruction Sheet

NOTE: Do not net or combine items. Show all expenses
individually and all credits as separate line items. Claim packages are due on the remittance report date. Late submissions may
result in claims not being passed until the following month. The Servicer is responsible to remit all funds pending loss approval
and /or resolution of any disputed items. 

(a)

 

(b)The
numbers on the 332 form correspond with the numbers listed below.

 

Liquidation and Acquisition Expenses: 

		1.	The Actual Unpaid Principal Balance of the Mortgage Loan. For documentation, an Amortization Schedule from date of default
through liquidation breaking out the net interest and servicing fees advanced is required.

 

		2.	The Total Interest Due less the aggregate amount of servicing fee that would have been earned if
all delinquent payments had been made as agreed. For documentation, an Amortization Schedule from date of default through liquidation
breaking out the net interest and servicing fees advanced is required.

 

		3.	Accrued Servicing Fees based upon the Scheduled Principal Balance of the Mortgage Loan as calculated
on a monthly basis. For documentation, an Amortization Schedule from date of default through liquidation breaking out the net interest
and servicing fees advanced is required.

 

		4-12.	Complete as applicable. Required documentation:

 

		*	For taxes and insurance advances – see page 2 of
332 form - breakdown required showing period of coverage, base tax, interest, penalty. Advances prior to default require evidence
of servicer efforts to recover advances.

 

		*	For escrow advances - complete payment history (to calculate
advances from last positive escrow balance forward)

 

		*	Other expenses -  copies of corporate advance history
showing all payments

 

		*	REO repairs > $1500 require explanation

 

		*	REO repairs >$3000 require evidence of at least 2
bids.

 

		*	Short Sale or Charge Off require P&L supporting the
decision and WFB’s approved Officer Certificate

 

		*	Unusual or extraordinary items may require further documentation.

 

		13.	The total of lines 1 through 12.

 

		(c)	Credits:

 

		14-21.	Complete as applicable. Required documentation:

 

		*	Copy of the HUD 1 from the REO sale. If a 3rd
Party Sale, bid instructions and Escrow Agent /

 

    	 

    	 

    

 

Attorney

 

Letter of Proceeds Breakdown.

 

		*	Copy of EOB for any MI or gov't guarantee

 

		*	All other credits need to be clearly defined on the 332
form

 

		22.	The total of lines 14 through 21.

 

Please
Note:For HUD/VA loans, use line (18a) for Part A/Initial proceeds and line (18b) for Part B/Supplemental proceeds.

 

Total Realized Loss (or Amount
of Any Gain)

 

		23.	The total derived from subtracting line
22 from 13. If the amount represents a realized gain, show the amount in parenthesis ( ).

 

    	 

    	 

    
  

Exhibit
3A: Calculation of Realized Loss/Gain Form 332

  

	Prepared by: 	 	 	Date: 	 

 

	Phone:	 	 	Email Address:	

 

 

	
        Servicer Loan No.

         

         

         
	 	
        Servicer Name

         

         

         
	 	
        Servicer Address

         

         

         

         

         

 

	WELLS FARGO BANK, N.A. Loan No.		 

 

 

	Borrower's Name:		 
	Property Address:		 

 

 

	Liquidation Type: REO Sale	3rd Party Sale	Short Sale	Charge Off

 

Was this loan granted a Bankruptcy deficiency or
cramdown     Yes     No

	If “Yes”, provide deficiency or cramdown amount 	

 

Liquidation and Acquisition Expenses:

 

	(1)	Actual Unpaid Principal Balance of Mortgage Loan	 	$	 	(1)
	(2)	Interest accrued at Net Rate	 	 	 	(2)
	(3)	Accrued Servicing Fees	 	 	 	(3)
	(4)	Attorney's Fees	 	 	 	(4)
	(5)	Taxes (see page 2) 	 	 	 	(5)
	(6)	Property Maintenance	 	 	 	(6)
	(7)	MI/Hazard Insurance Premiums (see page 2) 	 	 	 	(7)
	(8)	Utility Expenses	 	 	 	(8)
	(9)	Appraisal/BPO	 	 	 	(9)
	(10)	Property Inspections	 	 	 	(10)
	(11)	FC Costs/Other Legal Expenses	 	 	 	(11)
	(12)	Other (itemize) 	 	 	 	(12)

	 	Cash for Keys	 	 	 	 	(12)
	 	HOA/Condo Fees	 	 	 	 	(12)
	 	 	 	 	 	 	(12)

 

	Total Expenses	 	$		(13)
	Credits:	 	 	 	 
	(14)	Escrow Balance	 	$		(14)
	(15)	HIP Refund	 	 	 	(15)
	(16)	Rental Receipts	 	 	 	(16)
	(17)	Hazard Loss Proceeds	 	 	 	(17)
	(18)	Primary Mortgage Insurance / Gov’t Insurance 	 	 	 	(18a) 
	 	HUD Part A	 	 	 	 
	 	 	 	 	 	(18b)
	 	HUD Part B	 	 	 	 
	(19)	Pool Insurance Proceeds	 	 	 	(19)
	(20)	Proceeds from Sale of Acquired Property	 	 	 	(20)
	(21)	Other (itemize) 	 	 	 	(21)

	 	 	 	 	 	(21)

 

    	 

    	 

    

 

	 	 	 	 	 	 
	 	Total Credits	 	$	 	(22)
	Total Realized Loss (or Amount of Gain)	 	$	 	(23)

 

    	 

    	 

    

 

Escrow Disbursement Detail

 

 

	
        Type

        (Tax /Ins.)
	Date Paid	Period of Coverage	Total Paid	Base Amount	Penalties	Interest
	 	 	 	 	 	 	 
	 	 	 	 	 	 	 
	 	 	 	 	 	 	 
	 	 	 	 	 	 	 
	 	 	 	 	 	 	 
	 	 	 	 	 	 	 
	 	 	 	 	 	 	 
	 	 	 	 	 	 	 

 

    	 

    	 

    

 

EXHIBIT 5

 

FORM OF DELINQUENCY REPORTING

 

Exhibit
: Standard File Layout – Delinquency Reporting

 

*The
column/header names in bold are the minimum fields Wells Fargo must receive from every Servicer

	Column/Header Name	Description	Decimal	Format Comment
	SERVICER_LOAN_NBR	A unique number assigned to a loan by the Servicer.  This may be different than the LOAN_NBR	 	 
	LOAN_NBR	A unique identifier assigned to each loan by the originator.	 	 
	CLIENT_NBR	Servicer Client Number	 	 
	SERV_INVESTOR_NBR	Contains a unique number as assigned by an external servicer to identify a group of loans in their system.	 	 
	BORROWER_FIRST_NAME	First Name of the Borrower.	 	 
	BORROWER_LAST_NAME	Last name of the borrower.	 	 
	PROP_ADDRESS	Street Name and Number of Property	 	 
	PROP_STATE	The state where the  property located.	 	 
	PROP_ZIP	Zip code where the property is located.	 	 
	BORR_NEXT_PAY_DUE_DATE	The date that the borrower's next payment is due to the servicer at the end of processing cycle, as reported by Servicer.	 	MM/DD/YYYY
	LOAN_TYPE	Loan Type (i.e. FHA, VA, Conv)	 	 
	BANKRUPTCY_FILED_DATE	The date a particular bankruptcy claim was filed.	 	MM/DD/YYYY
	BANKRUPTCY_CHAPTER_CODE	The chapter under which the bankruptcy was filed.	 	 
	BANKRUPTCY_CASE_NBR	The case number assigned by the court to the bankruptcy filing.	 	 
	POST_PETITION_DUE_DATE	The payment due date once the bankruptcy has been approved by the courts	 	MM/DD/YYYY
	BANKRUPTCY_DCHRG_DISM_DATE	The Date The Loan Is Removed From Bankruptcy. Either by Dismissal, Discharged and/or a Motion For Relief Was Granted.	 	MM/DD/YYYY
	LOSS_MIT_APPR_DATE	The Date The Loss Mitigation Was Approved By The Servicer	 	MM/DD/YYYY
	LOSS_MIT_TYPE	The Type Of Loss Mitigation Approved For A Loan Such As;	 	 

 

    	 

    	 

    
 

	Column/Header Name	Description	Decimal	Format Comment
	LOSS_MIT_EST_COMP_DATE	The Date The Loss Mitigation /Plan Is Scheduled To End/Close	 	MM/DD/YYYY
	LOSS_MIT_ACT_COMP_DATE	The Date The Loss Mitigation Is Actually Completed	 	MM/DD/YYYY
	FRCLSR_APPROVED_DATE	The date DA Admin sends a letter to the servicer with instructions to begin foreclosure proceedings.	 	MM/DD/YYYY
	ATTORNEY_REFERRAL_DATE	Date File Was Referred To Attorney to Pursue Foreclosure	 	MM/DD/YYYY
	FIRST_LEGAL_DATE	Notice of 1st legal filed by an Attorney in a Foreclosure Action	 	MM/DD/YYYY
	FRCLSR_SALE_EXPECTED_DATE	The date by which a foreclosure sale is expected to occur.	 	MM/DD/YYYY
	FRCLSR_SALE_DATE	The actual date of the foreclosure sale.	 	MM/DD/YYYY
	FRCLSR_SALE_AMT	The amount a property sold for at the foreclosure sale.	2	No commas(,) or dollar signs ($)
	EVICTION_START_DATE	The date the servicer initiates eviction of the borrower.	 	MM/DD/YYYY
	EVICTION_COMPLETED_DATE	The date the court revokes legal possession of the property from the borrower.	 	MM/DD/YYYY
	LIST_PRICE	The price at which an REO property is marketed.	2	No commas(,) or dollar signs ($)
	LIST_DATE	The date an REO property is listed at a particular price.	 	MM/DD/YYYY
	OFFER_AMT	The dollar value of an offer for an REO property.	2	No commas(,) or dollar signs ($)
	OFFER_DATE_TIME	The date an offer is received by DA Admin or by the Servicer.	 	MM/DD/YYYY
	REO_CLOSING_DATE	The date the REO sale of the property is scheduled to close.	 	MM/DD/YYYY
	REO_ACTUAL_CLOSING_DATE	Actual Date Of REO Sale	 	MM/DD/YYYY
	OCCUPANT_CODE	Classification of how the property is occupied.	 	 
	PROP_CONDITION_CODE	A code that indicates the condition of the property.	 	 
	PROP_INSPECTION_DATE	The date a  property inspection is performed.	 	MM/DD/YYYY
	APPRAISAL_DATE	The date the appraisal was done.	 	MM/DD/YYYY

 

    	 

    	 

    
 

	Column/Header Name	Description	Decimal	Format Comment
	CURR_PROP_VAL	 The current "as is" value of the property based on brokers price opinion or appraisal.	2	 
	REPAIRED_PROP_VAL	The amount the property would be worth if repairs are completed pursuant to a broker's price opinion or appraisal.	2	 
	If applicable:	 	 	 
	DELINQ_STATUS_CODE	FNMA Code Describing Status of Loan	 	 
	DELINQ_REASON_CODE	The circumstances which caused a borrower to stop paying on a loan.   Code indicates the reason why the loan is in default for this cycle.	 	 
	MI_CLAIM_FILED_DATE	Date Mortgage Insurance Claim Was Filed With Mortgage Insurance Company.	 	MM/DD/YYYY
	MI_CLAIM_AMT	Amount of Mortgage Insurance Claim Filed	 	No commas(,) or dollar signs ($)
	MI_CLAIM_PAID_DATE	Date Mortgage Insurance Company Disbursed Claim Payment	 	MM/DD/YYYY
	MI_CLAIM_AMT_PAID	Amount Mortgage Insurance Company Paid On Claim	2	No commas(,) or dollar signs ($)
	POOL_CLAIM_FILED_DATE	Date Claim Was Filed With Pool Insurance Company	 	MM/DD/YYYY
	POOL_CLAIM_AMT	Amount of Claim Filed With Pool Insurance Company	2	No commas(,) or dollar signs ($)
	POOL_CLAIM_PAID_DATE	Date Claim Was Settled and The Check Was Issued By The Pool Insurer	 	MM/DD/YYYY
	POOL_CLAIM_AMT_PAID	Amount Paid On Claim By Pool Insurance Company	2	No commas(,) or dollar signs ($)
	FHA_PART_A_CLAIM_FILED_DATE	 Date FHA Part A Claim Was Filed With HUD	 	MM/DD/YYYY
	FHA_PART_A_CLAIM_AMT	 Amount of FHA Part A Claim Filed	2	No commas(,) or dollar signs ($)
	FHA_PART_A_CLAIM_PAID_DATE	 Date HUD Disbursed Part A Claim Payment	 	MM/DD/YYYY
	FHA_PART_A_CLAIM_PAID_AMT	 Amount HUD Paid on Part A Claim	2	No commas(,) or dollar signs ($)
	FHA_PART_B_CLAIM_FILED_DATE	  Date FHA Part B Claim Was Filed With HUD	 	MM/DD/YYYY
	FHA_PART_B_CLAIM_AMT	  Amount of FHA Part B Claim Filed	2	No commas(,) or dollar signs ($)

 

    	 

    	 

    

 

	Column/Header Name	Description	Decimal	Format Comment
	FHA_PART_B_CLAIM_PAID_DATE	   Date HUD Disbursed Part B Claim Payment	 	MM/DD/YYYY
	FHA_PART_B_CLAIM_PAID_AMT	 Amount HUD Paid on Part B Claim	2	No commas(,) or dollar signs ($)
	VA_CLAIM_FILED_DATE	 Date VA Claim Was Filed With the Veterans Admin	 	MM/DD/YYYY
	VA_CLAIM_PAID_DATE	 Date Veterans Admin. Disbursed VA Claim Payment	 	MM/DD/YYYY
	VA_CLAIM_PAID_AMT	 Amount Veterans Admin. Paid on VA Claim	2	No commas(,) or dollar signs ($)
	MOTION_FOR_RELIEF_DATE	The date the Motion for Relief was filed	10	MM/DD/YYYY
	FRCLSR_BID_AMT	The foreclosure sale bid amount	11	No commas(,) or dollar signs ($)
	FRCLSR_SALE_TYPE	The foreclosure sales results: REO, Third Party, Conveyance to HUD/VA	 	 
	REO_PROCEEDS	The net proceeds from the sale of the REO property. 	 	No commas(,) or dollar signs ($)
	BPO_DATE	The date the BPO was done.	 	 
	CURRENT_FICO	The current FICO score	 	 
	HAZARD_CLAIM_FILED_DATE	The date the Hazard Claim was filed with the Hazard Insurance Company.	10	MM/DD/YYYY
	HAZARD_CLAIM_AMT	The amount of the Hazard Insurance Claim filed.	11	No commas(,) or dollar signs ($)
	HAZARD_CLAIM_PAID_DATE	The date the Hazard Insurance Company disbursed the claim payment.	10	MM/DD/YYYY
	HAZARD_CLAIM_PAID_AMT	The amount the Hazard Insurance Company paid on the claim.	11	No commas(,) or dollar signs ($)
	ACTION_CODE	Indicates loan status	 	Number
	NOD_DATE	 	 	MM/DD/YYYY
	NOI_DATE	 	 	MM/DD/YYYY
	ACTUAL_PAYMENT_PLAN_START_DATE	 	 	MM/DD/YYYY
	ACTUAL_PAYMENT_ PLAN_END_DATE	 	 	 
	ACTUAL_REO_START_DATE	 	 	MM/DD/YYYY
	REO_SALES_PRICE	 	 	Number
	REALIZED_LOSS/GAIN	As defined in the Servicing Agreement	 	Number

 

    	 

    	 

    

 

Exhibit
2: Standard File Codes – Delinquency Reporting

 

The Loss Mit Type field should show the approved
Loss Mitigation Code as follows:

	 	·	ASUM-	Approved Assumption
	 	·	BAP-	Borrower Assistance Program
	 	·	CO-	Charge Off
	 	·	DIL-	Deed-in-Lieu
	 	·	FFA-	Formal Forbearance Agreement
	 	·	MOD-	Loan Modification
	 	·	PRE-	Pre-Sale
	 	·	SS-	Short Sale
	 	·	MISC-	Anything else approved by the PMI or Pool Insurer

 

NOTE: Wells Fargo Bank will accept alternative
Loss Mitigation Types to those above, provided that they are consistent with industry standards. If Loss Mitigation Types other
than those above are used, the Servicer must supply Wells Fargo Bank with a description of each of the Loss Mitigation Types prior
to sending the file.

 

The Occupant Code field should show the current
status of the property code as follows:

		·	Mortgagor

		·	Tenant

		·	Unknown

		·	Vacant

 

The Property Condition field should show the last
reported condition of the property as follows:

		·	Damaged

		·	Excellent

		·	Fair

		·	Gone

		·	Good

		·	Poor

		·	Special Hazard

		·	Unknown

 

    	 

    	 

    

 

Exhibit
2: Standard File Codes – Delinquency Reporting, Continued

 

The FNMA Delinquent Reason Code field should show
the Reason for Delinquency as follows:

 

	Delinquency Code	Delinquency Description
	001	FNMA-Death of principal mortgagor
	002	FNMA-Illness of principal mortgagor
	003	FNMA-Illness of mortgagor’s family member
	004	FNMA-Death of mortgagor’s family member
	005	FNMA-Marital difficulties
	006	FNMA-Curtailment of income
	007	FNMA-Excessive Obligation
	008	FNMA-Abandonment of property
	009	FNMA-Distant employee transfer
	011	FNMA-Property problem
	012	FNMA-Inability to sell property
	013	FNMA-Inability to rent property
	014	FNMA-Military Service
	015	FNMA-Other
	016	FNMA-Unemployment
	017	FNMA-Business failure
	019	FNMA-Casualty loss
	022	FNMA-Energy environment costs
	023	FNMA-Servicing problems
	026	FNMA-Payment adjustment
	027	FNMA-Payment dispute
	029	FNMA-Transfer of ownership pending
	030	FNMA-Fraud
	031	FNMA-Unable to contact borrower
	INC	FNMA-Incarceration

 

    	 

    	 

    

 

Exhibit
2: Standard File Codes – Delinquency Reporting, Continued

 

The FNMA Delinquent Status Code field should show
the Status of Default as follows:

 

	Status Code	Status Description
	09	Forbearance
	17	Pre-foreclosure Sale Closing Plan Accepted
	24	Government Seizure
	26	Refinance
	27	Assumption
	28	Modification
	29	Charge-Off
	30	Third Party Sale
	31	Probate
	32	Military Indulgence
	43	Foreclosure Started
	44	Deed-in-Lieu Started
	49	Assignment Completed
	61	Second Lien Considerations
	62	Veteran’s Affairs-No Bid
	63	Veteran’s Affairs-Refund
	64	Veteran’s Affairs-Buydown
	65	Chapter 7 Bankruptcy
	66	Chapter 11 Bankruptcy
	67	Chapter 13 Bankruptcy

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